Domain Map

Purpose

The Domain Map defines the business capabilities of the Bluu Personal Finance Platform and organizes them into logical domains and subdomains according to the principles of Domain-Driven Design (DDD).

It serves as the conceptual foundation for the system — describing what the platform does before deciding how it does it.

Each domain represents a cohesive area of responsibility, while subdomains specify the distinct functionalities within that area.

Domains are grouped into three categories: Core, Supporting, and Generic.

Any question related to the documentation might probably be answered here:

Q&A — Redundancies & Boundaries

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Domain Classification

Domain Type	Description
Core Domains	Contain the business logic that defines the product's unique value proposition — where innovation and differentiation happen.
Supporting Domains	Provide essential features that enable the core domains to function, but are not differentiating by themselves.
Generic Domains	Contain shared technical or infrastructural capabilities that are common across most systems.

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Core Domains

1. Ledger & Cashflow Management

Purpose: The foundation of all financial logic — it acts as the single source of truth for user transactions, balances, and financial movement.

Subdomains:

• Accounts: Represents user financial containers (bank accounts, cards, wallets, loans).
• Transactions: Immutable records of income, expenses, and transfers.
• Transfers: Two-legged entries ensuring balance between accounts.
• Balances: Aggregated state per account and currency.
• Reconciliation: Detects discrepancies and ensures data integrity.

Outcome: Provides a trustworthy record of financial activity and current balance per user.

2. Categorization & Merchant Intelligence

Purpose: Converts raw transaction data into meaningful context by enriching and classifying financial activity.

Subdomains:

• Rules Engine: Assigns categories automatically based on merchant, amount, or description.
• Merchant Profiles: Centralizes metadata about known merchants.
• Category Taxonomy: Hierarchical structure of spending categories.
• AI Classification: Learns from user corrections to improve accuracy.
• Feedback Learning: Continuous Model Improvement.

Outcome: Enables spend analysis, budgeting, and forecasting through accurate categorization.

3. Budgeting & Planning

Purpose: Empowers users to plan, allocate, and track their spending against predefined budgets.

Subdomains:

• Budgets: Define spending targets per period (e.g., monthly).
• Envelopes / Allocations: Assign funds to categories or purposes.
• Variance Tracking: Measures budget vs actual spending.
• Rollover Rules: Moves unused funds forward automatically.
• Alerts: Threshold and overspend detection

Outcome: Allows users to maintain financial control and visibility of overspending or savings opportunities.

4. Goals & Savings

Purpose: Helps users define and reach savings targets by linking them to automated funding plans.

Subdomains:

• Lifecycle Management: Active, Achieved, Archived.
• Goal Definition: Sets target amount, purpose, and deadline.
• Funding Plans: Schedules periodic contributions.
• Progress Tracking: Monitors completion percentage and milestones.
• Motivational Insights: Generates feedback when progress accelerates or slows.

Outcome: Encourages long-term saving behavior through clear targets and automated tracking.

5. Debt & Credit Management

Purpose: Tracks liabilities and provides optimized repayment strategies.

Subdomains:

• Liability Accounts: Represents loans, credit cards, or lines of credit.
• Interest Calculation: Computes outstanding principal and accrued interest.
• Paydown Strategies: Simulates debt repayment (snowball, avalanche).
• Credit Monitoring: Provides insights into utilization, risk and health.
• Forecasts: Projected payoff timelines.

Outcome: Enables users to understand and manage debt intelligently.

6. Forecasting & Financial Advice

Purpose: Predicts future balances and generates personalized financial insights.

Subdomains:

• Cashflow Forecasting: Projects upcoming inflows/outflows.
• Scenario Simulation: Evaluates “what-if” financial plans.
• AI Advice Engine: Suggests budget adjustments or savings recommendations.
• Explainability: Ensures all advice is traceable and justifiable.
• Risk Detection: Early warning and shortfalls.

Outcome: Provides proactive, data-driven recommendations that improve financial decision-making.

7. Conversational Financial Assistant (New Core Domain)

Purpose: Enables natural-language interaction through chat interfaces (WhatsApp, ChatGPT Apps, or in-app chat) powered by LLMs.

Subdomains:

• Intent Understanding & Orchestration (LLM + rules for command mapping)
• Conversation Memory & Context (User preferences, session continuity)
• Action Execution Layer (safe calls to ledger, Goals, Budgets, etc.)
• Knowledge Retrieval (RAG: FAQ, product policies, insights)
• Guardrails & Compliance (PII redaction, consent enforcement)
• Channel Adapters (Whatsapp, Chatgpt apps, Webchat.)
• Explainability & Audit (Traceable reasoning and logs)

Outcome: Improved Human-like experience to intereact with all the platform services.

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🧰 Supporting Domains

8. Data Ingestion & Normalization

Purpose: Integrates external financial data sources into the system safely and consistently.

Subdomains:

• Bank Connections (Open Banking / Plaid / Teller): Establishes secure data access.
• Statement Parsing: Transforms raw financial feeds into normalized formats.
• Duplicate Detection and Reconciliation: Prevents redundant entries.
• Error Handling & Retry: Ensures resilient ingestion.

Outcome: Supplies the Ledger with clean, standardized financial data.

8. Investments & Net Worth

Purpose: Extends financial visibility beyond cashflow into assets and portfolios.

Subdomains:

• Portfolio Management: Tracks holdings and their valuations.
• Asset Classes: Stocks, ETFs, crypto, real estate.
• Asset Valuation: Real-time or periodic.
• Price Feeds: Real-time updates from brokers or markets.
• Net Worth Statements: Aggregates all assets and liabilities.
• Performance Analitics: Gains and losses.

Outcome: Delivers a holistic picture of the user’s financial position.

9. Bills & Subscriptions

Purpose: Detects and manages recurring charges to improve planning and prevent missed payments.

Subdomains:

• Bill Detection: Identifies recurring patterns in transactions.
• Subscription Tracking: Maintains active recurring expenses.
• Due Date and Renewal Prediction: Forecasts next charge dates and due date estimation.
• Reminder System: Notifies users before due payments.

Outcome: Reduces surprise expenses and improves cashflow predictability.

10. Reporting & Tax

Purpose: Provides data aggregation, visualization, and compliance-ready reports.

Subdomains:

• Spending Reports: Trends by category or timeframe.
• Income Summaries: Consolidated inflow overview.
• Tax Categorization: Assigns tax-relevant labels.

• Yearly Exports: Generates downloadable CSV/PDF statements.

  Outcome: Delivers transparency and compliance for end users or accountants.

11. Household & Shared Finances

Purpose: Enables multi-user collaboration within shared financial contexts (families, couples, roommates).

Subdomains:

• Household Memberships: Defines users in a shared context.
• Expense Splitting: Automates fair cost distribution.
• Roles & Permissions: Controls access and visibility (Owner, Partner, Viewer).

• Shared Goals & Budgets: Collaborative financial planning.

  Outcome: Supports real-world financial cooperation between multiple users.

Generic Domains

12. Identity & Access Management (IAM)

Purpose: Authenticates users and enforces access control across the ecosystem.

Subdomains:

• Authentication: Email/password, OAuth2, passkeys.
• Authorization: Role-based or policy-based access.
• Session Management: Token lifecycle and refresh, device tracking.
• Multi-tenant access control.
• Account Linking (mobile/web)
• Household Linking: Ties users to shared financial spaces.

Outcome: Guarantees secure access to data while supporting multi-user environments.

13. Consent & Privacy

Purpose: Manages user permissions for data access, processing, and sharing. Enforces user consent, data protection, and auditability.

Subdomains:

• Consent Grants: Tracks user authorization scopes.
• Data Retention Policies: Defines how long data is stored.
• Right to Erasure / Export: Complies with data privacy regulations (GDPR, Habeas Data, CCPA).
• Audit Trail: Logs all consent-related actions.

Outcome: Builds trust through transparent, compliant data handling.

14. Notifications & Communication

Purpose: Delivers user-facing messages and alerts across multiple channels.

Subdomains:

• Alert System: Real-time events (bill due, goal reached).
• Delivery Channels: Email, SMS, Push, In-app, Whatsapp.
• Templates & Localization: Personalized, multi-language messaging.
• Delivery Tracking: Ensures reliability of notifications.
• User Preferences (Opt-in/out)

Outcome: Keeps users informed and engaged with timely, relevant communications.

15. Document Management

Purpose: Manages the storage and processing of user financial documents.

Subdomains:

• Receipt Upload: User uploads or email forwarding.
• OCR & Metadata Extraction: Reads and classifies document contents.
• Attachment Linking: Associates documents with transactions or budgets.
• Cloud Storage: Secure file persistence.
• Secure retrieval (Signed URLs)

Outcome: Centralizes all financial documents for easy access and audit.

16. Integration Platform & APIs

Purpose: Provides controlled external access to Bluu’s capabilities and enables internal service communication.

Subdomains:

• Public APIs: Exposes selected endpoints for partners.
• Webhook Subscriptions: Event-based external integrations.
• API Tokens & Rate Limits: Secure external usage.
• Internal API Gateway: Routes between microservices.
• Rate Limiting and monitoring.

Outcome: Enables safe extension and interoperability with third-party systems.

17. Analytics & Insights

Purpose: Collects platform-wide metrics for behavior analysis and product improvement.

Subdomains:

• Event Tracking: Monitors user actions and engagement.
• Data Warehouse: Aggregates usage metrics.
• Machine Learning Models: Powers AI classification and forecasting improvements.
• Experimentation Framework: Supports A/B testing and feature evaluation.

Outcome: Provides feedback loops that drive continuous optimization of the platform.

Summary of Domain Relationships

Type	Domain	Core Function
Core	Ledger & Cashflow	Transaction and balance management
	Categorization & Merchant Intelligence	Transaction enrichment and AI classification
	Budgeting & Planning	Spending allocation and control
	Goals & Savings	Personal savings and progress tracking
	Debt & Credit	Liability management and repayment modeling
	Forecasting & Advice	Predictive modeling and recommendations
	Conversational Assistant	Natural-language interaction with all domains
Supporting	Data Ingestion	External financial data synchronization
	Investments & Net Worth	Asset and portfolio management
	Bills & Subscriptions	Recurring payment management
	Reporting & Tax	Compliance and analytics exports
	Household & Shared Finances	Multi-user financial collaboration
Generic	IAM	Authentication and authorization
	Consent & Privacy	Compliance and user permissions
	Notifications	Messaging and alerts
	Document Management	File storage and OCR
	Integration Platform	APIs and Webhooks
	Analytics & Insights	Data tracking and AI feedback