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RoadmapDesign Structure Matrix

Design Structure Matrix (DSM)

The Design Structure Matrix provides a comprehensive view of technology dependencies and system interactions within the Earna AI Financial Platform architecture.

Architecture Overview

The Earna AI platform consists of multiple interconnected layers, each serving specific functions while maintaining clear dependency relationships. This matrix helps visualize and manage the complexity of our financial technology stack.

Interactive Dependency Visualization

Interactive Technology Dependency Matrix

Hover over cells to highlight dependencies. Click green cells for details.

TigerBeetle
Accounting
Transactions
Audit Trail
Plaid API
Aggregation
Sync
Reconciliation
Hyperswitch
Stripe
ACH
Wire Transfer
FedNow
Bill Pay
P2P
International
GPT-4o
Claude 3
Gemini
ML Pipeline
Categorization
Insights
Predictions
NLP
Supabase
PostgreSQL
Redis
ClickHouse
Kafka
BigQuery
Elasticsearch
S3
Auth
JWT
OAuth
MFA
Encryption
PCI DSS
SOC 2
HSM
REST
GraphQL
WebSockets
Webhooks
Gateway
Rate Limiting
CDN
Load Balancer
Console
Mobile
PWA
Admin
Merchant
SDK
Credit Engine
Bureau APIs
Score Optimizer
Investment
Robo-Advisor
Portfolio
Risk Analysis
Tax-Loss
Tax Engine
1099
Tax Filing
Estimated Taxes
Deductions
Tax Planning
Business Banking
Invoicing
Payroll
Expenses
Accounting Sync
Reports
TigerBeetle
Accounting
Transactions
Audit Trail
Plaid API
Aggregation
Sync
Reconciliation
Hyperswitch
Stripe
ACH
Wire Transfer
FedNow
Bill Pay
P2P
International
GPT-4o
Claude 3
Gemini
ML Pipeline
Categorization
Insights
Predictions
NLP
Supabase
PostgreSQL
Redis
ClickHouse
Kafka
BigQuery
Elasticsearch
S3
Auth
JWT
OAuth
MFA
Encryption
PCI DSS
SOC 2
HSM
REST
GraphQL
WebSockets
Webhooks
Gateway
Rate Limiting
CDN
Load Balancer
Console
Mobile
PWA
Admin
Merchant
SDK
Credit Engine
Bureau APIs
Score Optimizer
Investment
Robo-Advisor
Portfolio
Risk Analysis
Tax-Loss
Tax Engine
1099
Tax Filing
Estimated Taxes
Deductions
Tax Planning
Business Banking
Invoicing
Payroll
Expenses
Accounting Sync
Reports
Financial Core
Banking
AI/ML
Payments
Data Platform
Security
API Layer
Frontend
Monitoring

Technology Components Visualization

Explore our technology stack through an interactive 3D sphere of 70+ interconnected components with smooth rotation.

70+ Technology Components
70+ technology components in a continuously rotating 3D sphere
🖱️ Use mouse wheel to zoom in/out
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Technology Stack Layers

Core System Components

LayerComponentsPurpose
Financial CoreTigerBeetle, Ledger System, Double-Entry AccountingImmutable financial record keeping
Banking IntegrationPlaid API, Account Aggregation, Transaction SyncReal-time banking data access
AI/ML ServicesGPT-4o, Claude 3, Gemini Pro, ML PipelinesIntelligent insights and automation
Data PlatformSupabase, PostgreSQL, Redis, ClickHouseData persistence and analytics
Payment ProcessingStripe, ACH, Hyperswitch, Payment GatewayTransaction processing
Identity & AuthSupabase Auth, JWT, OAuth 2.0, MFASecurity and access control
API GatewayREST API, GraphQL, Webhooks, WebSocketsService communication
Frontend AppsNext.js Console, React Native Mobile, Admin PortalUser interfaces

Dependency Matrix

Primary Dependencies

The following matrix shows the primary dependencies between system components. Each row depends on the columns marked with ✓.

ComponentTigerBeetlePlaidSupabaseAI/MLStripeRedisAPI Gateway
Credit Engine✓✓✓✓-✓✓
Transaction Sync✓✓✓--✓✓
Payment Processing✓-✓-✓✓✓
Financial Analytics✓✓✓✓-✓✓
Budget Management✓✓✓✓--✓
Investment Tracking-✓✓✓-✓✓
Tax Intelligence✓✓✓✓--✓
Console Frontend--✓---✓

Service Interconnections

Component Categories

By Technology Domain

CategoryComponentsPrimary DependenciesExternal Services
Financial LedgerTigerBeetle, Double-Entry SystemInfrastructure, DatabaseNone
Banking DataPlaid Integration, Account SyncAPI Gateway, SecurityPlaid API
AI/ML PlatformOpenAI, Anthropic, Google AIAPI Gateway, Data PlatformOpenAI, Claude, Gemini
Payment RailsACH, Stripe, Wire TransfersLedger, SecurityStripe, Banking Networks
Data StoragePostgreSQL, Redis, ClickHouseInfrastructureSupabase
Security LayerAuth, Encryption, ComplianceAll ComponentsSupabase Auth
MonitoringPrometheus, Grafana, SentryAll ServicesOpen Source Stack

Dependency Strength Analysis

Critical Dependencies (High Impact)

DependencyImpact ScoreRisk LevelMitigation Strategy
TigerBeetle → Infrastructure10/10CriticalMulti-region deployment, failover
Plaid → Banking Data10/10CriticalCache strategy, manual entry fallback
Supabase → User Data9/10HighBackup strategy, read replicas
API Gateway → All Services9/10HighRate limiting, circuit breakers
Redis → Performance7/10MediumGraceful degradation, memory limits
AI Services → Features6/10MediumMultiple providers, fallback logic

Dependency Layers

System Interfaces

API Dependency Matrix

ServiceConsumesProvidesProtocolSLA
Credit EnginePlaid, TigerBeetle, AICredit Scores, ReportsREST/GraphQL99.9%
Payment ServiceStripe, TigerBeetlePayment ProcessingREST99.99%
Analytics EngineTigerBeetle, SupabaseFinancial InsightsGraphQL99.5%
AI ServiceOpenAI, Claude, GeminiRecommendationsREST99.0%
Auth ServiceSupabase AuthJWT TokensREST99.9%
Notification ServiceTwilio, SendGridAlerts, MessagesWebhooks99.5%

Technology Coupling Analysis

Tight Coupling (Synchronous)

  • Console → API Gateway
  • API Gateway → Auth Service
  • Payment Service → TigerBeetle
  • Credit Engine → Plaid API

Loose Coupling (Asynchronous)

  • Analytics → AI Services
  • Notifications → External Services
  • Batch Processing → Data Warehouse
  • Report Generation → Storage

Risk Mitigation Strategies

Single Points of Failure

ComponentRisk LevelMitigationRecovery Time
TigerBeetle ClusterHighMulti-region replication< 1 minute
Plaid ConnectionHighCached data, manual entry< 5 minutes
Supabase DatabaseMediumRead replicas, backups< 10 minutes
Redis CacheLowGraceful degradationImmediate
AI ServicesLowMultiple providers< 30 seconds

Evolution Strategy

Phase-Based Dependencies

PhaseNew ComponentsDependencies AddedDependencies Removed
Phase 1-2Core PlatformTigerBeetle, Plaid, SupabaseNone
Phase 3-4Credit & PaymentsStripe, Credit BureausNone
Phase 5-6Investment & TaxMarket Data APIs, Tax APIsNone
Phase 7-8Business & AIAdvanced ML, Business ToolsLegacy Systems

Monitoring & Observability

Dependency Health Metrics

MetricComponentThresholdAlert Level
LatencyTigerBeetle< 1msCritical if > 5ms
AvailabilityPlaid API> 99.9%High if < 99.5%
Error RateAPI Gateway< 0.1%Medium if > 1%
Queue DepthBullMQ< 1000High if > 5000
Cache Hit RateRedis> 90%Low if < 80%
Response TimePrometheus< 100msMedium if > 500ms
Error TrackingSentry< 10/minHigh if > 100/min

Best Practices

Minimize Dependencies

Reduce unnecessary dependencies between components to improve maintainability and reduce complexity.

Use Circuit Breakers

Implement circuit breaker patterns for all external service dependencies to prevent cascade failures.

Version Management

Maintain strict version control for all dependencies with automated compatibility testing.

Documentation

Keep dependency documentation up-to-date with automated dependency graph generation.

Regular Audits

Perform quarterly dependency audits to identify and remove obsolete or redundant dependencies.

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