LAYERS — FIP Finance

Brief

Build a financial analytics platform for retail investors. Mobile app, web dashboard, and data backend — processing thousands of stocks in real time with AI-powered analysis.

Imagine Yahoo Finance, but with TikTok-style discovery, Monte Carlo simulations, and AI assistance. A complete full-stack product from zero to production.

Challenge

Retail investors don't have the tools institutional players have.

Bloomberg Terminal costs $24,000 a year. Yahoo Finance is outdated. TradingView is for technical analysis, not fundamental. The average investor has no access to DCF valuations, Monte Carlo simulations, or AI-powered moat analysis.

And the mobile experience? Almost nonexistent. Financial data is locked in desktop spreadsheets and terminals from the 90s.

Solution

Institutional analytics in your pocket. AI as your analyst.

FIP Finance is a mobile-first platform where users swipe through stocks like on TikTok, but behind every card lies deep analysis: DCF valuation, Monte Carlo simulation with 10,000 scenarios, moat scoring, and AI-generated investment theses.

Data from SEC EDGAR, NASDAQ, Yahoo Finance and sentiment sources — processed, analyzed, and served with sub-second response times thanks to aggressive caching architecture.

Key modules

TikTok-style Discovery

Swipe-based feed for stock discovery. Freemium model with swipe limits. Each card = complete ticker overview with real-time price and AI summary.

Monte Carlo DCF

10,000 fair value simulations with fan chart visualization. Sensitivity matrix for WACC and growth rate. Live WACC calculation from market data.

Moat Analysis

AI-powered competitive advantage scoring. Analysis of switching costs, network effects, brand value, cost advantages. Visual radar chart.

SEC EDGAR Integration

Complete financial statements (10-K, 10-Q) directly from SEC. Income statement, balance sheet, cash flow — parsed and visualized.

Portfolio Tracker

Broker sync via SnapTrade API. Performance charts, allocation, dividends. Real-time P&L tracking with historical data.

Sentiment Engine

Aggregated sentiment from news, social media, and analyst sources. AI-powered summary of key catalysts for each ticker.

Web Dashboard

Full-featured web version with programmatic SEO for 8,000+ stock pages. TradingView-inspired dark design. Schema.org structured data.

Subscription & Paywall

RevenueCat integration for iOS/Android. Stripe for web. Freemium → Premium flow with A/B tested paywalling.

Data pipeline

Ingest

8,000+ tickers from NASDAQ FTP. Yahoo Finance API with semaphore throttling (5 workers, random jitter). SEC EDGAR parser.

→

Process

Monte Carlo simulations, DCF calculations, WACC derivation from market data. Sentiment aggregation. AI analysis via LLM pipeline.

→

Cache

Redis (Upstash) for hot data. PostgreSQL for persistent storage. Aggressive caching — sub-second response times.

→

Serve

Flask REST API with multiple blueprints. React Native mobile app. Next.js web with SSR. Stripe + RevenueCat billing.

Tech Stack

Mobile

React Native + Expo

iOS & Android from a single codebase. Push notifications, Amplitude analytics, RevenueCat subscriptions.

Backend

Flask + FastAPI

Multi-blueprint API architecture. Stock analysis, portfolio, financial statements, sentiment, subscriptions.

Database

PostgreSQL + Redis

PostgreSQL for persistent data (Flask-Migrate). Redis (Upstash) for caching layer. Sub-second response times.

AI / ML

LLM Pipeline

AI-powered analysis, moat scoring, sentiment summary. Investment theses generated for every ticker.

Data

SEC · NASDAQ · Yahoo

SEC EDGAR filings parser. NASDAQ FTP for ticker list. Yahoo Finance with rate-limit management.

Infrastructure

Railway

Backend + web deploy. CI/CD from GitHub. Environment management. Worker processes for background jobs.

FIPFinance

Retail investors don't have the tools institutional players have.

Institutional analytics in your pocket. AI as your analyst.

Veritas Protocol

FIP
Finance