Nivo

A production-grade neobank platform demonstrating fintech architecture with Go microservices.

Overview

Nivo is a portfolio project implementing a complete digital banking system. It demonstrates microservices architecture, double-entry accounting, and fintech domain patterns in a working, deployable application.

What it includes:

• 9 Go microservices with domain-driven boundaries
• Double-entry ledger with balanced journal entries
• JWT authentication with role-based access control
• React frontends for users and admins
• Full observability stack (Prometheus, Grafana)

Live Demo

Try it at nivomoney.com:

Email	Password	Balance
raj.kumar@gmail.com	raj123	₹50,000
priya.electronics@business.com	priya123	₹1,50,000

Admin access: Run make seed locally to generate admin credentials (see .secrets/credentials.txt).

All data is synthetic. No real money.

Architecture

services/
├── identity/       # Auth, users, KYC
├── ledger/         # Double-entry accounting
├── wallet/         # Balance management
├── transaction/    # Transfers, payments
├── rbac/           # Roles & permissions
├── risk/           # Fraud detection
├── notification/   # Alerts, messaging
├── simulation/     # Test data generation
└── seed/           # Database seeding

gateway/            # API Gateway with SSE
frontend/
├── user-app/       # Customer React app
└── admin-app/      # Admin dashboard

Quick Start

Prerequisites

• Go 1.24+
• Docker & Docker Compose
• Node.js 18+

Setup

git clone https://github.com/1mb-dev/nivomoney.git
cd nivomoney
cp .env.example .env

# Start all services (postgres, redis, microservices, gateway)
make dev

# Seed database with demo data
make seed

# Start frontend (separate terminal)
cd frontend/user-app && npm install && npm run dev

Open http://localhost:5173 and login with demo credentials.

Tech Stack

Component	Technology
Services	Go 1.24, standard library net/http
Database	PostgreSQL 15
Cache	Redis
Auth	JWT, bcrypt
Frontend	React 19, TypeScript, Vite, TailwindCSS 4
Infrastructure	Docker Compose
Monitoring	Prometheus, Grafana

Key Patterns

• Double-entry ledger - Every transaction creates balanced debit/credit entries
• Idempotency keys - Safe retry handling for financial operations
• RBAC - Granular permissions with role hierarchies
• Circuit breakers - Fault isolation between services
• Event-driven - Async processing with durable queues

Documentation

Full documentation: docs.nivomoney.com

• Quick Start
• Architecture
• API Flows
• ADRs

Project Scope

Category	Count
Microservices	9
API Endpoints	77+
Frontend Pages	17
Database Migrations	23

This is a portfolio demonstration, not a production bank. It shows how a neobank would be built.

Contributing

See CONTRIBUTING.md for development setup and guidelines.

License

MIT - see LICENSE