Fintech app PRD template

Fintech products fail at the spec stage more than the code stage — not because the code is hard, but because nobody wrote down how money actually moves before the first ticket got picked up. Which entity owns the ledger? What happens on a failed transfer? What KYC tier unlocks what limit? Skip these and your AI coding tool invents its own answers — and in fintech, invented answers are the ones that get you in trouble.

Draftlytic asks the questions that surface these decisions early — account and KYC model, transaction states, compliance constraints, external providers — then turns your answers into a structured, editable spec you can hand straight to Claude Code, Cursor, or any AI coding tool. Not prose. A typed data model, a navigation map, and an explicit non-goals list that keeps scope tight around what you've actually decided to build.

A generic PRD template treats a payment as a button. A real fintech build needs the ledger and transaction model defined before anything else: is this custodial or non-custodial, single-currency or multi-currency, and what states can a transaction move through (pending, settled, failed, reversed)? Draftlytic's typed data model captures Account, Transaction, and Ledger entries as first-class entities with real relationships, not a generic 'Payment' table that can't represent a reversal.

The spec also surfaces KYC and compliance decisions directly: what verification tier is required before a user can transact, which limits apply at each tier, and which external providers (identity verification, card issuing, banking-as-a-service) the app depends on. Those land as explicit constraints and external services in your spec — not assumptions your AI coding tool makes on its own.

Describe your fintech idea in a sentence — what kind of money movement, who the users are, whether you're building on top of a banking-as-a-service or card-issuing provider. Draftlytic asks targeted follow-up questions and generates a full spec: prioritized features (must-have through future), auth methods appropriate for a financial app, a navigation map with the API endpoints behind each screen, and a NON-GOALS list — critical here, since 'don't build your own custody layer' or 'no multi-currency in v1' are exactly the kind of guardrails an eager AI coding tool needs.

Run an AI Scan before you export to catch gaps like an unhandled transaction state or a compliance requirement mentioned in your answers but missing from the constraints section. Export as Markdown, PDF, or Word doc, or push straight to a connected GitHub repo.