VaultPay

Full-stack digital banking platform & double-entry ledger

28+

App Pages

44+

API Routes

Mongoose Models

TOTP 2FA

Auth Flow

A complete banking application built with Next.js and MongoDB that handles account creation, transfers, loans, KYC verification, and card issuance. Uses ACID transactions across replica sets so ledger balances stay reliable under concurrent operations.

Data flow simulation● OK

AUTH // 2FA● RBAC OKJWT SIGNED

➔

LEDGER TXACID SESSIONZOD VALIDATED

➔

SETTLED+$2,450.00AUDIT LOGGED

Next.jsReactTypeScriptTailwindCSSMongooseMongoDBZodSpeakeasy (2FA)Three.js

Engineering notes

// 01Used MongoDB multi-document transactions for double-entry ledger updates so money doesn't vanish or duplicate during transfers.

// 02Implemented TOTP two-factor authentication with Speakeasy and QR code generation, bcrypt password hashing, and JWT cookies.

// 03Wrote 44+ API routes backed by 17 dedicated Mongoose models and runtime Zod validation for accounts, loans, and audit trails.

// 04Rendered an interactive 3D credit card preview in the browser using Three.js and WebGL.

Next: The Unspoken Project