OkeiloCrowdfundingPlatform
Devehope designed and built Okeilo’s crowdfunding and investment platform, which operates under a Czech National Bank licence. We also provided external technical leadership, covering architecture, infrastructure and the technical implementation of DORA requirements.
Technology
Identity,moneyandcomplianceinoneplatform
Before an investor can invest, Okeilo must verify their identity, check their eligibility and record their acceptance of the relevant terms and documents. These checks need to work together throughout registration and investing.
Bank transactions must match the platform’s records of payments, investments and balances. Okeilo also needed tools for reviewing projects, managing funding and repayments, and recording decisions and changes.
- 1
Investor experience
Onboarding, projects, wallet, investing and portfolio.
- 2
Operations
Project approval, KYC, payments, documents and reporting.
- 3
Core platform
Identity, permissions, investment engine, transactions and audit.
- 4
Infrastructure and integrations
BankID, Raiffeisen, Cloudflare R2, PostgreSQL and monitoring.
Investor accounts and internal administration use the same underlying records.
Verificationbuiltintoregistrationandinvesting
We built the required checks into registration and investment workflows. Identity verification, bank details, questionnaires and eligibility checks determine whether an investor can proceed.
The platform also reacts to identity-data changes reported through BankID and can require renewed verification before further investment activity.
- Identity verification through BankID or a manual path
- Bank account and phone verification
- Investor questionnaire and loss-capacity assessment
- 2FA for sensitive actions
- Eligibility checks before an investment can proceed
The platform checks the required conditions before allowing an investment to proceed.
Matchingpaymentswithbanktransactions
The architecture separates an expected payment from the bank transaction that eventually fulfils it. Payments carry their own type, direction, due date, investment relationship and expected banking details. Transactions are imported separately through the Raiffeisen API and reconciled against them.
Payments are matched using the Czech payment reference (variable symbol), account numbers and counterparty identity. Clear matches can be processed automatically; uncertain matches are left for staff to review. The same system manages wallets, funding, repayments, withdrawals, refunds and outgoing payment exports.
- 01
Bank transaction
- 02
Variable symbol, account and counterparty
- 03
Match confidence
- 04
Automatic reconciliation or manual review
- 05
Payment completed
- 06
Wallet, investment and financial state updated
Reconciliation keeps the internal ledger aligned with the bank.
Contractsgenerated,signedandstoredasoneworkflow
The platform generates investment documents from templates and data about investors, projects and transactions, then produces PDFs for review and signing. Signing sensitive documents requires two-factor authentication and is linked to the verified user.
Public project images and private documents are stored separately in Cloudflare R2. Access to private files uses temporary authorised links. Sensitive identity documents are encrypted before storage.
Investment terms → contract generation → review → 2FA signature → final document → protected storage
Managingprojectsfromreviewtorepayment
Projects move through initial review, preliminary approval, due diligence, investment committee review, documentation, funding, repayment and completion. Staff permissions, report versions and recorded committee decisions support each stage.
Administrators manage KYC, investments, bank transactions, payment schedules and documents from the same system. Payload CMS handles editorial content, while regulated business data stays in the core application model.
- Investor platform
- Project-owner workspace
- Partner portal
- Internal operations system
- Public website and CMS
Engagementbuiltintothefinancialmodel
Investor tiers can affect fees and access to projects. Referral commission terms are recorded when the referral relationship is created, then used in payment schedules and wallet calculations.
Rewards therefore connect to the same payment records as investments and repayments.
- XP earned through investment activity
- Tiers with fee benefits and earlier project access
- Achievements and badges based on investor behaviour
- Personal investment goals and partner offers
- A referral network with XP and financial commissions
Productionoperationsforaregulatedenvironment
Responsibility continued past application development. The platform uses separated development, beta, build and production environments. Applications run in Docker with rolling releases. Network access is restricted through firewall rules and SSH keys, and databases communicate on an internal container network.
Prometheus, Loki, Grafana and Grafana Alloy collect server metrics, container telemetry and application logs. Audit logs separately record important changes to users, projects, investments, payments and documents.
Devehope also led the technical implementation of DORA requirements: ICT risk controls, access management, monitoring, operational resilience, infrastructure documentation and management of technology dependencies.
Wheretheworksat
We provided technical leadership across the investor application, internal tools, payments and infrastructure.
Technical direction
Product and system design, technology selection and external technical leadership.
Financial systems engineering
Wallets, expected payments, bank import and reconciliation, repayments and outgoing payment export.
Rules in the domain model
Identity verification, eligibility checks, two-factor authentication and responses to changes in identity data.
Infrastructure and DORA
Separate environments, monitoring, audit records and technical measures for operational resilience.
Investingandadministrationinonesystem
Okeilo brings investor registration, project review, investments, banking and contracts into one platform. Staff use shared records to manage the work behind each investment.
Our role covered the application and its operation: software architecture, financial workflows, integrations, infrastructure and ongoing technical leadership.
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