01 · Foundation
Design system, accessible web shell, localisation boundaries, privacy architecture, identity and audit requirements.
PRODUCT ROADMAP · SPECIFICATION 1.6
A complete platform, built in phases.
Nepal-first personal finance SaaS with international-ready locale, currency and tenancy boundaries. This implementation starts with a public experience and product foundation. Financial features must be user-entered unless a separately reviewed integration is added; AARTHIK never moves money.
02 · Core finance
Cards, reminders, cash flow, budgets and recurring commitments with user-controlled records.
03 · Subscription operations
Seven-day trial, free/paid tiers, manual bank transfer or bank-issued dynamic QR evidence and independent human verification. No payment execution.
04 · Personal finance
Net worth, savings goals, health check, vault, reports, anomaly alerts, and family sharing with explicit consent.
05 · Nepal intelligence
NPR, Nepali and English, BS/AD calendar, festival planning, tax estimates marked advisory, Nepal financial calendar.
06 · Intelligence & growth
AI assistant with consent and data minimization, challenges, rewards, Academy, referral and affiliate controls.
07 · Plans & organisations
Student, gift, annual and family plans; corporate wellness with no employer visibility into individual finances.
08 · Expansion
Locale-driven currencies, date formats, tax rules and content for additional markets after jurisdiction review.
Launch requirements
WCAG 2.2 AA target; mobile-first layouts; semantic navigation and keyboard support; reduced motion; page metadata and social previews; fast-loading local assets; cross-browser checks; security and privacy review before storing real financial data. Subscription payment proof must be access-controlled and retained only as long as needed for verification and audit.