Personal Finance Software

Nestfolio

Clarity and Confidence, Instantly Unlocked

Nestfolio unifies stocks, crypto, and ETFs into a single visual dashboard for young professionals juggling micro-investments. It eliminates manual tracking and cluttered spreadsheets, auto-syncing accounts and delivering daily snapshots with clear insights on growth and risk—empowering confident, smarter investing in under a minute, no finance expertise required.

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Nestfolio

Product Details

Explore this AI-generated product idea in detail. Each aspect has been thoughtfully created to inspire your next venture.

Vision & Mission

Vision
To empower everyday investors worldwide to effortlessly achieve clarity, confidence, and control over their financial future.
Long Term Goal
By 2028, enable 500,000 young micro-investors to reduce portfolio errors by 35% and achieve complete investment clarity in under 60 seconds, empowering smarter, stress-free wealth building worldwide.
Impact
Reduces portfolio tracking time for young micro-investors by 90%, lowers allocation errors by 35%, and delivers instant risk and growth insights—transforming scattered investments into one clear daily view to empower smarter decisions and increase user confidence without manual tracking or financial expertise.

Problem & Solution

Problem Statement
Young professionals managing micro-investments across multiple platforms lack a simple, unified tool to track true portfolio performance; existing apps overwhelm with complexity or ignore small-scale investors, leaving them confused, frustrated, and prone to costly allocation mistakes.
Solution Overview
Nestfolio automatically syncs all your investment accounts—stocks, crypto, and ETFs—into a single, intuitive dashboard, replacing scattered spreadsheets with clear visual analytics and daily portfolio snapshots, so you instantly see your true performance and risk without any manual tracking or financial expertise.

Details & Audience

Description
Nestfolio is a streamlined dashboard that unites every investment—stocks, crypto, and ETFs—into a single clear view. Designed for everyday micro-investors, it replaces cluttered spreadsheets with instant, actionable insights. Users track growth, risk, and trends at a glance while the auto-snapshot feature captures daily portfolio changes, making smart decision-making effortless—no manual data entry or finance expertise needed.
Target Audience
Young professionals (22-40) juggling multiple micro-investments who crave instant clarity and hate manual tracking.
Inspiration
One evening, I watched a friend hunch over three investment apps and a messy Excel sheet, squinting to figure out if her small crypto and stock buys were actually adding up. The confusion and frustration on her face made it clear—everyday investors deserved the instant clarity and confidence usually reserved for the wealthy. That’s when the idea for Nestfolio took root.

User Personas

Detailed profiles of the target users who would benefit most from this product.

I

Income-Investor Ian

• 42-year-old mid-level finance manager in Seattle suburb • Bachelor’s degree in finance from state university • Annual income ~$95,000 with disposable investment budget • Married with two school-age children • Portfolio mainly dividend-paying stocks and ETFs

Background

Raised in a family valuing frugality, Ian began dividend investing to secure passive cash. A market slump prompted him to focus on yield-generating assets for stability.

Needs & Pain Points

Needs

1. Accurate dividend payout tracking and calendar reminders 2. Clear visualization of yield percentages across assets 3. Consolidated dashboard showing expected monthly cash flows

Pain Points

1. Missing dividend payment dates due to scattered accounts 2. Confusing yield calculations across different assets 3. Uncertain forecast of future cash flows

Psychographics

• Prefers reliable income over speculative gains • Honors disciplined, long-term financial planning • Feels security from steady dividend streams • Enjoys researching company fundamentals

Channels

1. Nestfolio mobile app – daily check-ins 2. Email – weekly dividend alerts 3. Bloomberg news app – market headlines 4. LinkedIn groups – finance discussions 5. Twitter – quick market insights

T

Trend-Tracker Tina

• 28-year-old software engineer in Manhattan, NY • Master’s in computer science • Income ~$120,000, allocates 20% to day trading • Lives alone in a high-rise apartment • Regularly trades both crypto and tech stocks

Background

After dabbling in university algorithmic trading clubs, Tina developed a passion for real-time market movements. Early wins in crypto fueled her appetite for swift momentum plays.

Needs & Pain Points

Needs

1. Instant push notifications on rapid price changes 2. Customizable technical indicator overlays on charts 3. Low-latency account synchronization for real-time accuracy

Pain Points

1. Delayed data causing missed trading opportunities 2. Overcrowded UI hampering quick decision 3. Lack of custom indicator flexibility

Psychographics

• Thrives on quick, high-stakes market action • Values cutting-edge tech and instant data • Driven by challenge and adrenaline spikes

Channels

1. Mobile push notifications – immediate alerts 2. Web app – advanced charting 3. Telegram – real-time trading chat 4. Discord – crypto community channels 5. Twitter – trending asset threads

P

Privacy-Paladin Pete

• 35-year-old cybersecurity specialist in San Francisco • Bachelor’s in computer engineering • Income ~$130,000, invests $500 monthly • Lives in co-living apartment near tech hub • Single, DevOps and open-source contributor

Background

Several high-profile breaches at past employers instilled in Pete a strict data privacy ethos. He switched to Nestfolio seeking a blend of security and investment insight.

Needs & Pain Points

Needs

1. End-to-end encryption for all account data 2. Transparent privacy policy with minimal data retention 3. Two-factor authentication with hardware key support

Pain Points

1. Fear of unauthorized access to linked financial accounts 2. Frustration with apps requiring excessive personal data 3. Anxiety over potential data-sharing with third parties

Psychographics

• Demands airtight data protection and privacy • Distrustful of platforms over-collecting personal information • Values transparency in security policies • Enjoys open-source security tooling

Channels

1. Reddit cybersecurity forums – in-depth discussions 2. GitHub – open-source security projects 3. Twitter infosec – breaking security news 4. Tech newsletters – weekly security briefings 5. Nestfolio web portal – secure interface

C

Community-Curator Sophia

• 30-year-old social media manager in Chicago • Bachelor’s in communications from state university • Income ~$70,000, invests $300 monthly • Lives in downtown apartment, enjoys city culture • Hosts local investor meetups on weekends

Background

After starting a personal investing blog, Sophia found value in peer feedback and co-created spreadsheets with friends. She joined Nestfolio to centralize data and fuel community discussions.

Needs & Pain Points

Needs

1. Easy sharing of portfolio snapshots on social platforms 2. Discussion threads within Nestfolio app 3. Leaderboard showing community performance comparisons

Pain Points

1. Difficulty exporting shareable investment charts 2. Lack of in-app discussion features 3. No real-time community performance updates

Psychographics

• Believes collective wisdom beats solo decisions • Motivated by social validation and community feedback • Enjoys teaching others investment basics

Channels

1. Instagram – investment story shares 2. TikTok – short strategy videos 3. Reddit r/investing – forum discussions 4. Twitter – market commentary threads 5. Nestfolio in-app chat – community hub

D

Data-Digger Derek

• 27-year-old data analyst in Boston • Master’s in statistics • Income ~$85,000, allocates 30% to investments • Rents a loft near financial district • Weekend hackathon and data science competitor

Background

Started coding custom tracking dashboards in college, Derek refined his analytical prowess through data science competitions. He adopted Nestfolio to replace custom scripts with robust, shareable analytics.

Needs & Pain Points

Needs

1. Detailed correlation matrices between assets 2. Exportable CSV reports for offline analysis 3. Customizable multi-variable charting options

Pain Points

1. Limited data export capabilities stifle analysis 2. Inflexible chart customizations hamper deep dives 3. Slow load times on large datasets

Psychographics

• Obsessively analyzes historical trends and correlations • Seeks quantifiable evidence before investing • Thrives on exploring large datasets

Channels

1. Kaggle – data science discussions 2. GitHub – analytics tool repositories 3. Slack analyst channels – peer brainstorming 4. LinkedIn – professional data groups 5. Nestfolio API – direct data access

Product Features

Key capabilities that make this product valuable to its target users.

Risk Spike Alerts

Immediately notifies you when an asset’s volatility breaches your predefined threshold, enabling swift review and action to mitigate losses before market swings intensify.

Requirements

Custom Volatility Threshold Setting
"As an investor, I want to set specific volatility thresholds for each asset so that I only receive alerts when an asset’s risk level exceeds my personal tolerance."
Description

Allow users to define specific volatility thresholds for each tracked asset, selecting a percentage threshold that, when exceeded, triggers an alert. This functionality integrates into the settings UI, persisting user-defined values in their profile, and ensuring that the monitoring engine references these thresholds in real time. It provides flexibility for users to tailor alerts to their individual risk tolerance and portfolio composition, enhancing relevance and reducing alert fatigue.

Acceptance Criteria
Defining Volatility Threshold for Asset
Given a user is on the Custom Volatility Threshold settings for a tracked asset, when they enter a valid percentage between 0.1% and 100% and click Save, then the system persists the threshold to their profile and displays a confirmation message.
Modifying Existing Volatility Threshold
Given a user has an existing volatility threshold set, when they update the percentage value to a new valid number and save, then the system replaces the old threshold with the new one and confirms the update via the UI.
Handling Invalid Threshold Inputs
Given a user inputs a percentage below 0.1%, above 100%, or a non-numeric value, when they attempt to save, then the system displays an inline validation error message and prevents saving until corrected.
Threshold Persistence Across Sessions
Given a user has previously saved a volatility threshold for an asset, when they log out and log back in or refresh the application, then the saved threshold value is correctly displayed in the settings UI.
Real-Time Alert Triggering
Given an asset’s real-time volatility breaches the user-defined threshold, when the breach is detected by the monitoring engine, then the system sends a notification to the user within one minute with the asset name, threshold value, and current volatility.
Continuous Volatility Analysis Engine
"As a risk-aware user, I want the system to continuously analyze asset volatility in real time so that I am quickly notified of significant risk spikes."
Description

Implement a background service that calculates asset volatility in real time by ingesting market data feeds, applying statistical measures over sliding time windows, and comparing results against user-defined thresholds. This engine must handle high-frequency data updates, scale efficiently across multiple asset classes, and expose an API for querying current volatility metrics. It ensures timely detection of risk spikes and supports the alerting subsystem with accurate, up-to-date information.

Acceptance Criteria
Real-Time Volatility Calculation for Single Asset
Given the engine receives tick-level market data for Asset X, When it processes data over a 1-minute sliding window, Then it calculates and updates the standard deviation of returns with accuracy within 0.01% of the reference model within 5 seconds of data receipt.
High-Frequency Data Handling and Scalability
Given the engine ingests 1000 updates per second across 100 assets, When running on the designated infrastructure, Then it maintains processing latency below 500 milliseconds per update and no data loss occurs.
API Query for Current Volatility Metrics
Given a user issues a GET request to /volatility/{asset}, When the asset exists and has recent data, Then the API responds within 200 milliseconds with the current volatility metric in JSON format including timestamp and threshold values.
Threshold Breach Detection for Risk Spike Alerts
Given user-defined volatility thresholds for Asset Y are stored, When the calculated volatility exceeds the threshold, Then the engine emits an event to the alerting subsystem within 1 second of breach detection with asset identifier, timestamp, and volatility value.
Cross-Asset Volatility Analysis
Given the engine processes market data for multiple asset classes (stocks, crypto, ETFs), When volatility metrics are computed over a 5-minute sliding window, Then the engine outputs a consolidated report grouping metrics by asset class with less than 2% variance compared to individual calculations.
Multi-channel Alert Dispatch
"As a busy professional, I want to receive risk spike alerts via my preferred channels (push, email, SMS) so that I can stay informed wherever I am."
Description

Enable the system to send immediate notifications through various channels, including in-app push notifications, email, and SMS, based on user preferences. The notification module should format alert messages with asset details, current volatility level, threshold breached, and timestamp. It integrates with third-party messaging services, respects user channel selections, handles delivery retries, and ensures secure transmission of alert data.

Acceptance Criteria
Push Notification Delivery
Given a user has enabled push notifications and the volatility threshold is breached, when the system processes the alert, then a push notification is sent to the user's device within 5 seconds.
Email Notification Delivery
Given a user has enabled email notifications and the volatility threshold is breached, when the system triggers the alert, then an email containing the asset details, current volatility level, threshold breached, and timestamp is sent to the user's registered email address within 1 minute.
SMS Notification Delivery
Given a user has enabled SMS notifications and the volatility threshold is breached, when the system triggers the alert, then an SMS containing the asset details, current volatility level, threshold breached, and timestamp is sent to the user's registered phone number within 1 minute.
Alert Message Formatting
Given an alert is sent via any channel, when the message is generated, then it includes the asset name, current volatility level, breached threshold, and timestamp in the predefined format.
Delivery Retry Mechanism
Given a notification attempt fails, when the first delivery attempt fails, then the system retries sending the notification up to three times at 30-second intervals before logging the failure.
Secure Alert Transmission
Given an alert message is transmitted through third-party services, when data is sent, then all alert data is encrypted in transit using TLS 1.2 or higher.
Alert Dashboard & History
"As an analyst, I want to review a history of all risk spike alerts with detailed context so that I can analyze past volatility events and adjust my strategy accordingly."
Description

Develop an in-app dashboard section that logs all past risk spike alerts, displaying key information such as asset name, breach threshold, volatility value at the time, date, and user action (acknowledged or snoozed). The dashboard should allow filtering, sorting, and exporting of alert records, providing users with historical insight into their portfolio’s risk events and helping them identify patterns over time.

Acceptance Criteria
Viewing the Alert Dashboard
Given the user is on the Alert Dashboard, when the data loads, then the dashboard displays a list of all past risk spike alerts sorted by date in descending order with columns for asset name, breach threshold, volatility value at the time, alert date, and user action.
Filtering Alerts by Asset and Date Range
Given the user has opened the filter panel, when the user selects an asset and a date range then applies the filter, then the dashboard shows only alerts matching the selected asset and date range.
Sorting Alerts
Given the user clicks on any column header (asset name, threshold, volatility, or date), when the user selects ascending or descending order, then the dashboard reorders the alerts accordingly.
Exporting Alert Records
Given the user clicks the Export button, when the export format is selected as CSV, then a CSV file downloads containing all currently displayed alerts with correct column headers and data values.
Viewing Alert Details
Given the user selects an individual alert from the dashboard, when the user clicks on the alert row, then a detail modal displays full information including historical volatility graph and action timestamp.
Alert Snooze and Acknowledgement Controls
"As a user, I want to acknowledge or temporarily snooze alerts so that I can manage my notifications and avoid repeated alerts during short market fluctuations."
Description

Provide users with the ability to acknowledge or snooze risk spike alerts directly from the notification or dashboard, with configurable snooze durations. Acknowledgement should mark the alert as reviewed, while snoozing should suppress further alerts for the same asset until the snooze period ends. All user actions must be logged in the alert history and reflected in the UI, improving user control over alert frequency.

Acceptance Criteria
Acknowledge Alert from Notification
Given a risk spike alert notification appears, when the user taps “Acknowledge” on the notification, then the alert status is updated to “Reviewed” in the system and the notification is dismissed.
Snooze Alert with Configurable Duration
Given a risk spike alert notification is displayed, when the user selects “Snooze,” chooses a predefined duration (e.g., 1 hour, 4 hours, 24 hours), and confirms, then the system suppresses further alerts for that asset for exactly the selected duration.
Suppress Alerts during Snooze Period
Given an active snooze period for an asset, when the asset’s volatility breaches the threshold again, then no new risk spike alert is sent or displayed until the snooze period expires.
Log User Actions in Alert History
Given the user acknowledges or snoozes an alert, when the action is completed, then an entry is created in the alert history log with the action type, asset identifier, timestamp, and snooze duration if applicable.
Reflect User Actions in UI
Given the dashboard is open, when the user acknowledges or snoozes an alert, then the alert entry updates in real time to display the new status (“Reviewed” or “Snoozed until [time]”) and is visually distinct from unhandled alerts.

Volatility Timeline

Presents an interactive historical volatility chart for each holding, helping you compare current fluctuations against past trends to better anticipate future risk patterns.

Requirements

Volatility Data Aggregation
"As an investor tracking my portfolio, I want all historical price data aggregated and normalized in one place so that the volatility timeline chart reflects accurate, up-to-date information across my holdings."
Description

Collect and consolidate historical price data for each user’s holdings across all supported asset classes (stocks, crypto, ETFs) at configurable time intervals. Ensure data is normalized, time-stamped, and stored in a time-series database to support fast retrieval. Integrate with existing account sync APIs to update data daily, handle missing data gracefully, and maintain high accuracy for volatility calculations.

Acceptance Criteria
Initial Data Fetch at Configured Interval
Given a user configures a time interval (e.g., hourly, daily), when the system initiates data aggregation, then price data for every holding across stocks, crypto, and ETFs must be retrieved for each interval window without omissions.
Data Normalization and Time-Stamping
All fetched price data must be converted to a common currency and format, with each data point including an ISO 8601 UTC timestamp, asset identifier, and normalized price value.
Time-Series Database Ingestion
When normalized data is ready, entries must be written to the time-series database indexed by asset and timestamp, with retrieval queries for 30-day ranges returning results within 1 second.
Daily Account Sync Integration
The system must call each linked account sync API once every 24 hours; if a call fails, it should retry up to three times with exponential backoff and log the outcome.
Missing Data Handling
If price data is missing for any timestamp, the system must interpolate the missing values linearly between the nearest available points, flag these entries as interpolated, and proceed without errors.
Accuracy Verification for Volatility Calculations
Volatility metrics computed from the aggregated data must match benchmark calculations within a 0.5% margin of error for a sample set of assets over a 30-day period.
Historical Volatility Chart Rendering
"As a young professional monitoring risk, I want a smooth, interactive chart showing past volatility trends so that I can quickly understand how volatility has changed over time."
Description

Render an interactive line chart that visualizes calculated volatility values over a user-selectable period. Support zooming, panning, and tooltips showing exact volatility percentage on hover. Leverage a performant charting library with canvas/SVG rendering to handle large datasets smoothly on both desktop and mobile browsers. Apply consistent styling aligned with the product’s design system.

Acceptance Criteria
Desktop Chart Rendering
Given the user navigates to the Volatility Timeline on a desktop browser, When the page loads, Then an interactive line chart is rendered displaying historical volatility values over the default period with correctly labeled axes and data points visible.
Mobile Chart Rendering
Given the user accesses the Volatility Timeline on a mobile browser, When the chart initializes, Then the line chart adapts to the mobile viewport, maintaining readability and touch responsiveness.
Time Period Selection
Given the user selects a different time period from the period selector, When the selection is confirmed, Then the chart updates to show volatility values for the newly selected timeframe without full page reload.
Zoom and Pan Interactions
Given the volatility chart is displayed, When the user performs pinch-zoom or mouse-wheel zoom and drags horizontally or vertically, Then the chart zooms and pans smoothly, maintaining accurate data scaling and axis labels.
Tooltip Display
Given the user hovers or taps on a data point in the chart, When the tooltip appears, Then it displays the exact date and calculated volatility percentage for that point.
Chart Performance with Large Datasets
Given the volatility history exceeds 10,000 data points, When the chart renders and the user interacts, Then interactions (zoom, pan, hover) complete within 200ms without UI lag.
Styling Compliance with Design System
Given the design system specifications, When the chart is rendered, Then it applies the specified colors, typography, line weights, and spacing exactly as defined in the product style guide.
Interactive Time Navigation
"As a user analyzing risk patterns, I want to adjust the time range dynamically so that I can focus on specific market periods and identify volatility spikes."
Description

Provide controls to adjust the chart’s time window (e.g., 1M, 3M, 6M, 1Y, all) and a draggable time slider to refine start and end dates. Ensure that changing the time window triggers real-time updates to the chart and volatility statistics. Include keyboard and touch support for accessibility and mobile usability.

Acceptance Criteria
Selecting Predefined Time Window Buttons
Given the volatility timeline is displayed, when the user clicks any predefined time window button (1M, 3M, 6M, 1Y, All), then the chart updates to the selected date range within 300ms and recalculates volatility statistics accurately.
Adjusting Time Range with Draggable Slider
Given the time slider is visible, when the user drags either the start or end handle to a new date and releases it, then the chart refreshes in real-time to the new date range and updates volatility metrics within 200ms.
Navigating Time Controls Using Keyboard
Given focus is on the time controls, when the user tabs to a predefined time button or slider handle and uses Enter or arrow keys to change the range, then the chart and statistics update accordingly and the control’s focus state is clearly indicated.
Using Touch Gestures for Time Selection on Mobile
Given the app is accessed on a touchscreen device, when the user taps a time button or uses a touch-drag gesture on slider handles, then the chart and volatility statistics update in real-time with smooth gesture response (minimum 15px movement recognition).
Immediate Chart Update upon Time Range Change
Given any change to the time range via buttons, keyboard, or slider, when the change is applied, then the chart and all volatility metrics refresh within 500ms without visible blanking or flicker.
Comparative Benchmark Overlay
"As an investor wanting context, I want to compare my portfolio’s volatility against market benchmarks so that I can understand relative risk."
Description

Allow users to overlay benchmark volatility (e.g., S&P 500, Bitcoin index) against their portfolio’s volatility timeline. Fetch benchmark data from public APIs, compute comparable volatility metrics, and display both lines on the same chart with a legend. Offer toggles to enable or disable each benchmark for side-by-side analysis.

Acceptance Criteria
Overlay a Single Benchmark
Given the user has a portfolio open When they select the S&P 500 benchmark from the overlay menu Then the chart displays the S&P 500 volatility line alongside the portfolio volatility line.
Toggle Benchmark Visibility
Given one or more benchmarks overlaid When the user toggles off the Bitcoin index benchmark Then the Bitcoin volatility line is removed from the chart, and the axis scales adjust accordingly.
Multiple Benchmarks Overlay Comparison
Given the user selects both S&P 500 and Bitcoin benchmarks When both overlays are enabled Then both benchmark volatility lines appear with distinct colors and the legend shows both items.
Benchmark Data Accuracy
Given the benchmark data API returns volatility metrics When the system computes comparable volatility using the same timeframe and calculation method Then the displayed benchmark volatility values match the computed metrics within a 0.1% tolerance of API results.
API Error Handling for Benchmarks
Given the benchmark data API fails or returns invalid data When the user attempts to overlay that benchmark Then an error message is shown, the overlay is not added, and the system logs the error for diagnostics.
Volatility Change Alerts
"As a risk-averse user, I want to receive alerts when my holdings become unusually volatile so that I can take timely action."
Description

Implement a rule-based alert system that notifies users when volatility crosses user-defined thresholds or deviates significantly from historical averages. Allow configuration of threshold values per holding or for the entire portfolio. Deliver notifications via in-app banners and push notifications on mobile devices.

Acceptance Criteria
Custom Threshold Exceeded for Single Holding
Given a user-defined volatility threshold for a specific holding; When the real-time volatility surpasses the threshold; Then the system triggers an immediate alert for that holding.
Portfolio-Level Threshold Breach
Given a user-defined portfolio-wide volatility threshold; When the aggregated portfolio volatility crosses the threshold; Then the system sends a portfolio-level alert notification.
Significant Deviation from Historical Average
Given a historical average volatility calculated over the past 30 days; When current volatility deviates by more than 20% from the average; Then the system notifies the user specifying the deviation percentage.
In-App Banner Notification Delivery
Given an alert is triggered while the user is active in-app; When the alert conditions are met; Then a banner appears at the top of the dashboard displaying the holding name, threshold value, current volatility, and timestamp.
Push Notification on Mobile Devices
Given an alert is triggered when the user is not active in-app but has the mobile app installed; When the alert conditions are met; Then a push notification is sent to the mobile device with the alert details including holding name and current volatility value.
Responsive UI Adaptation
"As a mobile-first user, I want the volatility timeline to work seamlessly on my phone so that I can check portfolio risk anytime, anywhere."
Description

Ensure the volatility timeline feature is fully responsive, adjusting layout, chart scaling, and controls for various screen sizes. Implement breakpoints for mobile, tablet, and desktop views, and test across common devices and browsers to guarantee usability and performance consistency.

Acceptance Criteria
Mobile Portrait View
Given the user is on a mobile device in portrait orientation, when they access the Volatility Timeline, then the chart auto-fits the screen width without horizontal scrolling, data points remain legible, and all interactive controls (zoom, pan, tooltip) are fully functional via touch gestures.
Tablet Landscape View
Given the user is on a tablet device in landscape orientation, when they view the Volatility Timeline, then the chart layout adjusts to display additional data labels, controls are repositioned for ergonomic access, and the touch targets meet minimum size guidelines.
Desktop Window Resize
Given the user resizes their desktop browser window (between 800px and 1920px width), when the viewport width crosses defined breakpoints, then the Volatility Timeline layout reflows smoothly, chart scales update without distortion, and no UI elements overlap or become cut off.
Cross-Browser Consistency
Given the user opens the Volatility Timeline in Chrome, Firefox, and Safari browsers on desktop and mobile, when they interact with the chart, then rendering, controls, and animations appear consistent, and performance metrics (render time) remain within 200ms.
Performance Under Load
Given the user has a portfolio with up to 100 data points per holding, when the Volatility Timeline loads and re-renders on any device size, then initial rendering completes within 300ms and subsequent interactions (zoom/pan) within 150ms without frame drops.

Stress-Test Simulator

Lets you model extreme market scenarios—such as sudden 10% swings or multi-asset shocks—to project potential portfolio impacts and prepare proactive response strategies.

Requirements

Scenario Configuration
"As a micro-investor, I want to configure custom stress scenarios so that I can simulate portfolio performance under specific market extremes relevant to my holdings."
Description

Enable users to define and customize diverse market scenarios, including sudden percentage swings, sector-specific shocks, and correlated multi-asset events. Users can adjust parameters such as magnitude, duration, and probability distributions to tailor stress tests to their unique portfolios. This requirement ensures flexibility in modeling extreme conditions and integrates seamlessly with existing account data feeds to provide realistic, actionable insights.

Acceptance Criteria
Creating a Custom Market Swing Scenario
Given a user is on the scenario configuration page, when they enter a percentage swing magnitude, duration in days, and a probability distribution type, then the scenario preview updates in real time and the “Save Scenario” button becomes enabled.
Adjusting Sector-Specific Shock Parameters
Given a user selects a sector-specific shock template, when they adjust the percentage impact and shock duration for that sector, then the simulator displays the sector’s projected performance curve and validates input ranges.
Defining Multi-Asset Correlation Events
Given a user configures a multi-asset event, when they assign correlation coefficients between asset pairs and specify individual shock magnitudes, then the system computes and displays a combined portfolio impact estimate.
Importing User Portfolio Data for Scenario Simulation
Given a user has connected brokerage or crypto exchange accounts, when they click “Import Portfolio,” then the system fetches current positions and populates scenario inputs with up-to-date asset allocations.
Persisting and Managing Saved Scenarios
Given a user has saved multiple scenarios, when they navigate to the scenario dashboard, then all saved scenarios appear in a list with names, last-modified timestamps, and options to edit, duplicate, run, or delete each scenario.
Multi-Asset Impact Modeling
"As an investor holding stocks, ETFs, and crypto, I want the simulator to model impacts across all my asset classes so that I get a complete view of potential losses and correlations."
Description

Implement a calculation engine that applies scenario parameters across different asset classes—stocks, ETFs, and cryptocurrencies—taking into account historical correlations and volatility profiles. The model must accurately project asset-level and aggregated portfolio value changes under stress, delivering precise impact metrics and risk exposure breakdowns.

Acceptance Criteria
Single Asset Shock Modeling
Given a user selects a 10% negative shock for a single stock asset, when the simulation is run, then the engine calculates the asset-level loss equal to 10% of its current market value within ±0.01% accuracy.
Multi-Asset Correlated Stress Scenario
Given multiple assets with historical correlation data loaded, when a user applies a multi-asset shock scenario (e.g., 10% equity drop and 20% crypto drop), then the engine adjusts each asset’s impact using the correlation matrix and outputs a net portfolio change consistent with correlated behavior within ±0.1%.
Portfolio Aggregated Impact Report Accuracy
Given a portfolio with defined asset weights, when the stress test executes, then the aggregated portfolio loss equals the sum of individual asset losses and the risk exposure breakdown by asset class adds up to 100%.
Volatility-Adjusted Shock Application
Given each asset’s volatility profile is available, when a stress scenario is simulated, then the engine scales the shock magnitude by the asset’s volatility ratio and applies the adjusted shock correctly to each asset.
Impact Metrics Delivery and Integrity
Given the simulation completes successfully, when results are delivered, then the output includes asset-level loss, percentage change, and risk exposure per asset class, with all numeric fields populated, formatted correctly, and matching calculated values.
Real-Time Result Visualization
"As a user, I want to see instant graphical results of stress tests so that I can quickly interpret potential risks and make informed decisions."
Description

Provide an interactive dashboard that visualizes stress-test outcomes in real time using charts, heat maps, and risk meters. Users can toggle between scenarios and time horizons, drill down to asset-level impacts, and compare baseline versus stressed portfolio values. This feature integrates with the Nestfolio UI to maintain consistent design and accessibility standards.

Acceptance Criteria
Dynamic Chart Rendering
Given a stress-test run is completed, when the result data is available, then the line chart, heat map, and risk meter update within 500ms without requiring a full page reload.
Scenario Selection and Time Horizon Toggle
Given multiple predefined market scenarios and time horizons, when the user selects a scenario or adjusts the time horizon toggle, then the dashboard refreshes to display the corresponding stress-test outcomes within 300ms and the selected state is visually highlighted.
Asset-Level Drill-down View
Given the portfolio summary visualization is displayed, when the user clicks on an individual asset segment (e.g., a bar or heat map cell), then a detailed panel appears showing that asset’s stress-test impact, historical performance graph, and key risk metrics.
Baseline vs Stressed Value Comparison
Given baseline and stressed portfolio values are computed, when the user enables the comparison mode, then both baseline and stressed values are displayed side-by-side in chart and tabular form, including calculated absolute and percentage differences.
UI Consistency and Accessibility Compliance
Given adherence to Nestfolio design standards and WCAG 2.1 guidelines, when the stress-test simulator is interacted with, then all components use the correct design tokens, support keyboard navigation, and maintain a minimum 4.5:1 color contrast ratio.
Customizable Alert Thresholds
"As a busy professional, I want to receive alerts when my projected losses cross my comfort level so that I can take action before market conditions worsen."
Description

Allow users to set personalized alerts for stress-test results when projected losses or risk metrics exceed defined thresholds. Notifications can be delivered via in-app messages, emails, or push notifications. This requirement enhances proactive risk management by prompting timely reviews and strategy adjustments.

Acceptance Criteria
High Loss Projection Alert Setup
Given a user accesses the stress-test settings and selects “Custom Alert Thresholds,” When they input a numeric value for projected loss percentage (between 1% and 100%) and choose at least one notification channel, Then the system saves the threshold, displays a confirmation message, and lists the new alert in the user’s alert dashboard.
Threshold Exceeding Stress Test Notification
Given a saved alert threshold of X% projected loss, When a stress-test simulation projects a loss equal to or greater than X%, Then the system sends notifications via all selected channels within 5 minutes and logs each delivery in the notification history.
Multiple Notification Channels Configuration
Given a user configures an alert threshold, When they select multiple notification channels (in-app, email, push), Then the system must enable each channel toggle independently and verify channel availability before saving, and prevent saving if any selected channel is unreachable.
Threshold Edit and Validation
Given an existing alert threshold, When a user edits the threshold to a new value, Then the system validates the input as a numeric value between 1% and 100%, displays an inline error for invalid entries, and updates the threshold upon valid input with an audit record of the change.
Threshold Deletion and Notification Suspension
Given one or more configured alert thresholds, When a user deletes an alert, Then the system removes it from the alert dashboard, prevents further notifications for that threshold, and prompts the user for confirmation before final deletion.
Report Export and Sharing
"As a user, I want to download and share my stress-test reports so that I can discuss potential strategies with my advisor and maintain documentation."
Description

Offer functionality to export stress-test reports in PDF and CSV formats, complete with scenario details, visual summaries, and key risk metrics. Users can share reports directly with financial advisors or peers via email links. This feature supports collaborative decision-making and record-keeping.

Acceptance Criteria
PDF Report Export Scenario
Given a user has completed a stress-test simulation and clicks the export button When the user selects 'Export as PDF' Then the system generates and downloads a PDF containing scenario details, visual summary charts, and key risk metrics within 5 seconds
CSV Report Export Scenario
Given a user has completed a stress-test simulation and clicks the export button When the user selects 'Export as CSV' Then the system generates and downloads a CSV file with raw data for scenario details, asset values, and calculated risk metrics within 5 seconds
Email Sharing with Financial Advisor Scenario
Given a user has exported a report When the user opts to share via email and enters a valid advisor email address Then the system sends an email with a secure link to the report and displays a success confirmation message
Peer Sharing via Link Scenario
Given a user has generated a report When the user selects 'Copy Shareable Link' Then the system provides a unique URL that grants view-only access to the report and copies it to the clipboard
Generated File Integrity Verification Scenario
Given a user downloads an exported report When the user opens the file Then all included scenario details, charts, and risk metrics display correctly without data truncation or formatting errors

Correlation Map

Visualizes how each asset’s volatility moves in relation to others, spotlighting synchronized spikes or natural hedges to optimize diversification and reduce overall portfolio risk.

Requirements

Interactive Correlation Heatmap
"As a young professional investor, I want an interactive heatmap of asset correlations so that I can visually identify which assets move together and optimize my diversification at a glance."
Description

Display a dynamic, color-coded matrix showing correlation coefficients between all assets in the user’s portfolio. The heatmap should support zoom, pan, and responsive rendering across devices. It integrates seamlessly with the main dashboard, auto-refreshing when portfolio holdings change. The feature highlights strong positive correlations in warm colors and negative correlations in cool colors, enabling quick visual identification of synchronized spikes and natural hedges. Expected outcomes include improved diversification decisions and reduced portfolio risk through intuitive visualization.

Acceptance Criteria
Initial Heatmap Rendering
Given a user with a portfolio containing multiple assets When the user opens the dashboard Then a color‐coded matrix displays correlation coefficients between every asset pair with warm colors for positive correlations and cool colors for negative correlations
Auto-Refresh on Portfolio Change
Given a user adds, removes, or updates an asset in their portfolio When the portfolio data changes Then the heatmap automatically refreshes within 5 seconds to reflect updated correlation values
Zoom and Pan Functionality
Given a user interacts with the heatmap When the user performs zoom or pan gestures (mouse wheel, pinch, drag) Then the heatmap responds smoothly with clear axes labels and no pixelation
Responsive Rendering Across Devices
Given a user views the heatmap on desktop, tablet, or mobile When the screen size or orientation changes Then the heatmap layout adjusts to fit the viewport maintaining readability and without requiring horizontal scrolling
Threshold-Based Highlighting
Given a user sets a correlation threshold filter When the threshold is applied Then all correlation cells meeting or exceeding the positive or negative threshold are visually highlighted with a distinct border or outline
Real-Time Correlation Calculation
"As an investor, I want real-time correlation calculations so that I can react promptly to shifting asset relationships and manage risk effectively."
Description

Implement a backend service that fetches auto-synced volatility data for stocks, crypto, and ETFs and calculates correlation coefficients in near real-time. The service should handle data updates multiple times per day, ensuring the correlation map reflects the most recent market movements. It must integrate with existing data pipelines and support batching for performance. This functionality ensures users always see up-to-date relationships, empowering timely portfolio adjustments.

Acceptance Criteria
Auto-Synced Volatility Data Retrieval
Given the backend service is triggered automatically When market trading hours are active Then the service fetches volatility data for all linked user accounts within 5 minutes of availability
Correlation Coefficient Calculation Accuracy
Given fetched volatility data sets When calculation is performed Then the Pearson correlation coefficient for each asset pair is computed with less than 0.01 error margin compared to offline benchmark
Real-Time Update Frequency
Given market data updates occur multiple times per day When a new data batch is available Then the correlation map is updated and persisted within 10 minutes of receipt of data
Batch Processing Performance
Given up to 1000 asset volatility records in a batch When processing on standard infrastructure Then the service processes the batch and returns correlation results within 2 minutes
Integration with Existing Data Pipelines
Given the existing data pipeline endpoints When the correlation service publishes results Then they appear in the downstream analytics database with correct timestamps and asset identifiers
Error Handling on Data Failure
Given a data fetch failure for an asset When retry attempts exceed 3 Then the service logs the failure and skips the asset without impacting remaining correlation calculations
Historical Time Range Selection
"As a user, I want to choose historical time ranges for correlation analysis so that I can study how asset relationships have evolved and make more informed investment decisions."
Description

Allow users to select custom date ranges (e.g., 1 month, 3 months, 1 year) or define arbitrary start and end dates to recalculate correlations based on historical data. The component should drive both the heatmap and the underlying correlation calculations, with smooth transitions between views. This enables users to analyze correlation behavior under different market conditions and informs strategic timing of trades.

Acceptance Criteria
Selecting a Predefined Time Range
Given the user has loaded the Correlation Map component, When they choose one of the preset ranges (e.g., 1 month, 3 months, 1 year), Then the heatmap and correlation calculations update to reflect data solely within that range.
Defining a Custom Date Range
Given the user enters a valid start date and end date, When they confirm the selection, Then the system recalculates correlations and updates the heatmap to display the specified period.
Validating Date Input
Given the user enters dates in the custom range fields, When the start date is after the end date or outside available data bounds, Then an inline error message appears and no recalculation occurs.
Ensuring Smooth Transitions Between Views
Given the user switches between any two time ranges (preset or custom), When the new range is applied, Then the heatmap transitions within 1 second without flicker or data overlap artifacts.
Handling No Data Scenarios
Given the selected time range contains no asset data, When the heatmap is rendered, Then the component displays a “No Data Available” message and disables correlation cells.
Tooltips and Detailed Insights
"As an investor, I want detailed tooltips on each correlation cell so that I can instantly access deeper insights and volatility metrics for any two assets."
Description

Integrate interactive tooltips that appear on hover or click of any heatmap cell, displaying the precise correlation value, asset pair names, individual volatility metrics, and a mini line chart showing joint price movement over the selected period. The tooltip should be context-aware, aggregating relevant metadata and linking to deeper analytics pages. This feature provides quick, actionable insights without navigating away from the map.

Acceptance Criteria
Tooltip Display on Hover
Given a user hovers over any heatmap cell When the tooltip appears within 200ms Then it displays the precise correlation value, the two asset names, their individual volatility metrics, and a mini line chart showing joint price movement for the selected period
Tooltip Display on Click
Given a mobile or touch user taps on a heatmap cell When the tooltip opens Then it presents the same detailed insights (correlation value, asset names, volatility metrics, mini line chart) without requiring a hover action
Context-Aware Metadata Aggregation
Given the tooltip is displayed When the assets or date range change Then the tooltip dynamically updates to reflect the correct metadata (date range, sampling frequency) and ensures displayed metrics match the selected context
Mini Line Chart Accuracy
Given the tooltip’s mini line chart When rendered Then it accurately plots the joint price movement over the selected period with a maximum data point deviation of less than 1% compared to the full-size correlation map data
Deep Analytics Link Navigation
Given a user clicks the “View Detailed Analytics” link in the tooltip When clicked Then the system navigates to the analytics page filtered to the corresponding asset pair and date range within 2 seconds
Export and Share Correlation Map
"As a user, I want to export and share my correlation map so that I can collaborate with advisors and document my analysis for future reference."
Description

Enable users to export the correlation map as high-resolution PNG or PDF files, and generate secure, shareable links that colleagues or financial advisors can view without additional login. The export should preserve color scales, labels, and tooltips metadata. Integration with email and social sharing APIs is required for seamless distribution. This empowers collaborative analysis and record-keeping.

Acceptance Criteria
Export Correlation Map as High-Resolution PNG
Given the user is viewing the correlation map, When they select “Export PNG,” Then the system generates a downloadable PNG file at 300 DPI or higher that preserves color scales, axis labels, legends, and embeds tooltip metadata.
Export Correlation Map as PDF
Given the user is viewing the correlation map, When they select “Export PDF,” Then the system generates a vector-based PDF file that accurately preserves color scales, axis labels, legends, and includes embedded tooltip metadata, and is under 5 MB.
Generate Secure Shareable Link
Given the user is viewing the correlation map, When they select “Generate Shareable Link,” Then the system creates a unique, tokenized URL valid for 7 days that displays the map with full resolution and metadata without requiring login.
Email Integration for Sharing
Given the user has generated a shareable link, When they choose “Share via Email,” Then the system opens the default email client with the link and a customizable message prefilled and logs the send action.
Social Media Sharing Integration
Given the user has generated a shareable link, When they choose a social media option, Then the system connects to the selected API, posts the link with a preview thumbnail of the correlation map, and confirms successful share.

Custom Risk Profiles

Allows you to set personalized volatility thresholds and alert rules per asset or portfolio segment, ensuring the heatmap and notifications align precisely with your unique risk tolerance.

Requirements

Volatility Threshold Configuration
"As a young professional investor, I want to set specific volatility thresholds for each asset or portfolio segment so that I receive insights and warnings aligned with my personal risk tolerance."
Description

Provides an interface for users to define asset-specific or portfolio-segment-specific volatility thresholds, enabling dynamic risk settings and seamless integration with the heatmap for real-time visualization of risk alignment.

Acceptance Criteria
Single Asset Threshold Setup
Given the user navigates to an individual asset’s settings; When the user inputs a numeric volatility threshold value between 0% and 100%; Then the system validates the input, saves the threshold, and displays a confirmation message indicating successful configuration.
Portfolio Segment Threshold Configuration
Given the user selects a portfolio segment (e.g., tech, healthcare); When the user defines a volatility threshold for that segment; Then the system applies and saves this threshold to all assets within the segment and updates the segment listing to show the configured threshold.
Heatmap Real-Time Risk Visualization Integration
Given one or more thresholds are configured; When the dashboard heatmap loads or thresholds change; Then asset tiles are colored appropriately—green for below threshold, yellow for near threshold (+/- 5%), red for above threshold—and the heatmap updates within 1 second of change.
Threshold Breach Alert Generation
Given an asset’s volatility exceeds its configured threshold; When the threshold is breached; Then the system sends an in-app notification and optional email alert within 5 minutes, including asset name, current volatility percentage, and threshold value.
Threshold Persistence Across Sessions
Given the user has configured one or more volatility thresholds; When the user logs out and logs back in or accesses the platform from a new device; Then all configured thresholds persist and display correctly in the settings interface.
Custom Alert Rule Builder
"As a Nestfolio user, I want to create custom alert rules combining multiple risk triggers so that I am notified exactly when conditions important to me are met."
Description

Develops a flexible rule builder allowing users to define complex alert criteria based on price movements, volatility breaches, or combined conditions, with support for multiple notification channels like push, email, and SMS.

Acceptance Criteria
Defining a Simple Price Movement Alert
Given a user is in the Custom Alert Rule Builder and selects 'Price Movement' as the criterion; When the user sets a target price percentage change and chooses 'Save'; Then the system creates a new alert rule that triggers when the asset’s price moves by the specified percentage.
Setting a Volatility Breach Notification
Given a user chooses 'Volatility Breach' in the rule builder; When the user inputs a standard deviation threshold and confirms the rule; Then the system activates an alert that fires if the asset’s volatility exceeds the threshold over the chosen time period.
Combining Multiple Conditions
Given a user adds both a price movement condition and a volatility breach condition within the same rule; When both conditions are defined and the rule is saved; Then the system triggers notifications only when both conditions are met simultaneously.
Selecting Multiple Notification Channels
Given a user configures an alert rule; When the user selects two or more notification channels (push, email, SMS) before saving; Then each chosen channel receives the alert when the rule conditions are satisfied.
Editing and Deleting an Alert Rule
Given an existing alert rule is listed in the dashboard; When the user chooses to edit the rule, updates the criteria or channels, and saves; Then the system applies the new settings to future alerts. And when the user deletes the rule, it is removed from the dashboard and no longer triggers notifications.
Dynamic Risk Heatmap Integration
"As a portfolio manager, I want the heatmap to dynamically adjust colors based on my custom risk settings so that I can quickly assess my portfolio’s risk profile at a glance."
Description

Enhances the dashboard’s heatmap to reflect user-defined thresholds and alert rules in real time, color-coding assets based on individual risk settings and updating automatically with live market data.

Acceptance Criteria
User Applies Custom Risk Thresholds
Given a user has set a custom volatility threshold for an asset When the market data updates Then the heatmap color for that asset reflects the threshold within one minute
Live Market Data Update
Given the system receives live market data When an asset’s risk metric crosses a user-defined threshold Then the corresponding heatmap cell updates its color in real time without manual refresh
Color-Coding Accuracy
Given predefined risk levels When the heatmap displays assets Then each asset’s color matches the correct risk band according to the user’s individual thresholds
Notification on Threshold Breach
Given an asset breaches a user’s volatility threshold When the heatmap updates Then the system triggers an in-app notification within 30 seconds
Threshold Persistence Across Sessions
Given a user sets or updates a risk threshold When the user logs out and logs back in Then the customized thresholds persist and are applied to the heatmap immediately
Risk Profile Templates
"As a new user, I want to choose from predefined risk profile templates so that I can quickly start monitoring risk without configuring everything from scratch."
Description

Offers pre-configured risk profile templates (e.g., Conservative, Balanced, Aggressive) that users can apply and tweak, accelerating setup and providing benchmark settings aligned with typical risk tolerances.

Acceptance Criteria
User Applies a Conservative Risk Profile Template
Given the user is on the Risk Profile Templates page When they select the Conservative template and click “Apply” Then the system sets the volatility thresholds and alert rules to the Conservative defaults And the dashboard heatmap updates to reflect those settings
User Customizes a Pre-Configured Template
Given a template is applied When the user modifies the volatility threshold for an asset or segment and saves Then the system persists the new threshold And subsequent heatmaps and alerts use the customized value
System Persists Template Settings Across Sessions
Given the user has applied or customized a template When the user logs out and logs back in Then the previously applied or customized template settings are loaded And the dashboard displays the correct thresholds and alert rules
System Validates Template Threshold Values
Given the user inputs a volatility threshold value when customizing a template When the value is outside the allowed range (e.g., negative or above maximum) Then the system prevents saving And displays a clear error message specifying the valid range
User Reverts to Default Template Settings
Given the user has customized a template When they click “Revert to Default” on the applied template Then all custom thresholds and alert rules reset to the template’s original defaults And the dashboard reflects those default settings
Multi-Asset Alert Consolidation
"As an active investor, I want all my alerts across stocks, crypto, and ETFs consolidated and summarized so that I can review important risk events without sifting through many individual notifications."
Description

Aggregates alerts across different asset classes into a unified notification feed, grouping related alerts and providing summary insights to prevent notification overload and ensure clarity.

Acceptance Criteria
High Volatility Alert Aggregation
Given the user has enabled volatility alerts for multiple asset classes, when several assets breach their set thresholds within a five-minute interval, then the system consolidates these into a single notification that lists each asset and its breach value.
End-of-Day Consolidated Summary
Given the user receives multiple alerts throughout the trading day, when the daily snapshot is generated at 6:00 PM, then the system sends one consolidated notification summarizing the total number of alerts, grouped by asset class, with links to detailed views.
Custom Threshold Breach Grouping
Given the user has set personalized thresholds per asset, when multiple assets within the same class exceed their thresholds, then the notification feed groups these breaches under the corresponding asset class heading with individual breach details.
Cross-Asset Risk Spike Notification
Given the user's overall portfolio risk tolerance is defined, when combined volatility across asset classes surpasses the portfolio threshold, then the system issues a single unified risk spike alert summarizing collective impact and affected assets.
Unified Notification Feed Navigation
Given the user opens the notification feed, when consolidated alerts are present, then alerts display grouped by date and asset class, include summary insights, and offer actionable links to drill down into specific alert details.

Smart Gain-Loss Analyzer

Automatically categorizes realized and unrealized gains and losses for each holding, highlights wash-sale events, and provides actionable insights to help minimize your overall tax liability with no manual calculations.

Requirements

Gain/Loss Categorization Engine
"As an investor, I want the system to automatically categorize my realized and unrealized gains and losses for each holding so that I can easily understand my portfolio’s performance without manually tracking transactions."
Description

Automatically analyze each holding to categorize realized and unrealized gains and losses, integrating seamlessly with existing portfolio data. This engine provides clear segmentation of profit/loss by asset, time frame, and transaction type, enabling users to quickly understand their performance without manual calculations. It updates daily and supports drill-down details for in-depth review.

Acceptance Criteria
Daily Gain and Loss Summary Generation
Given the user’s portfolio data from the previous trading day is synced, when the daily update job runs, then the engine categorizes and displays total realized and unrealized gains and losses for each holding in the dashboard summary.
Segmented Reporting by Time Frame
Given the user selects a custom time range (e.g., last week, last month, year-to-date), when the Gain/Loss report is generated, then the engine accurately segments and presents gains and losses by asset and transaction type for the selected period.
Wash-Sale Event Detection
Given a set of transactions that meet wash-sale criteria, when processing the transactions, then the engine identifies and flags wash-sale events, grouping those losses under a dedicated wash-sale section with appropriate dates and asset references.
Drill-Down Detail View Access
Given a summary view of an individual asset’s gain/loss, when the user clicks to drill down, then the system displays a detailed transaction-level breakdown including dates, buy/sell prices, quantities, and calculated gain or loss per transaction.
Seamless Integration with Portfolio Data
Given portfolio holdings and transaction feeds from connected accounts, when the engine ingests the data, then it processes 100% of transactions without errors, and no records are dropped or duplicated, ensuring data integrity.
Wash-Sale Detection Module
"As a tax-conscious investor, I want the tool to detect wash-sale events so that I can avoid disallowed loss claims and manage my trades accordingly."
Description

Identify and flag potential wash-sale events by tracking sales and repurchases of the same security within IRS-defined windows. The module highlights disallowed losses, explains the impact on tax calculations, and logs historical wash-sale occurrences. It integrates with trade history and alerts users to avoid costly tax penalties.

Acceptance Criteria
Simple Wash-Sale Detection
Given a completed sale of a security at a loss, when a repurchase of the same security occurs within 30 days before or after, then the system flags the sale as a potential wash-sale. When flagging a wash-sale, calculate and display the disallowed loss amount next to the flagged trade. When the user hovers over the wash-sale flag icon, display a tooltip explaining the IRS-defined window and calculation method.
Multi-Account Trade History Sync
Given the user has connected multiple brokerage accounts, when the system imports trade histories, then consolidate trades by security across all accounts. When a sale and repurchase occur in different accounts within the 30-day window, then detect and flag it as a wash-sale. Display all consolidated wash-sale flags in the unified transaction timeline view.
User Alert for Imminent Wash-Sale Risk
Given a user attempts to execute a buy order within 30 days following a sale at a loss, when the trade request is initiated, then display an in-app alert warning of a potential wash-sale. The alert includes the security symbol, sale date, loss amount, and days remaining in the wash-sale window. Provide options in the alert dialog to proceed with or cancel the trade.
Historical Wash-Sale Log Retrieval
Given a user navigates to the Wash-Sale History page, when the page loads, then list all past wash-sale events with date, security symbol, disallowed loss amount, and deferred basis adjustment. When the user applies a date range or security filter, then dynamically update the list to show matching events. Allow the user to export the currently filtered list as a CSV file including all displayed fields.
Wash-Sale Impact Explanation
Given a flagged wash-sale event appears in the Tax Summary report, when the user clicks the 'Impact Explanation' link, then open a modal dialog explaining how the disallowed loss affects cost basis and holding period. Include a step-by-step breakdown of the recalculated cost basis and any deferred loss amounts. Ensure the modal references IRS Publication 550 guidelines and relevant section numbers.
Real-Time Data Sync
"As a user, I want my account data to sync in real time so that the gain-loss analysis always reflects my most current positions and transactions."
Description

Continuously sync portfolio data, transactions, and market prices from all linked brokerage and exchange accounts. Ensures up-to-date input for gain-loss calculations and tax analyses. Employs secure API connections, handles rate limits, and falls back to incremental updates to maintain accuracy and performance.

Acceptance Criteria
Initial Account Connection Synchronization
Given a user links a new brokerage or exchange account, when the user grants the required API permissions, then the system fetches and displays the full portfolio data and the last 12 months of transaction history within 2 minutes without errors.
Continuous Market Price Update
Given the user is viewing their dashboard, when market prices change, then the application updates all displayed prices for linked assets at least once every minute with a maximum delay of 5 seconds and no price mismatches.
Incremental Transaction Update After Rate Limit
Given the API rate limit has been reached, when new transactions occur during the cooldown period, then the system queues those changes and synchronizes them within 1 minute after the rate limit resets.
Fallback to Incremental Sync on API Failure
Given a full data sync attempt fails due to an API error, when the error is detected, then the system automatically switches to incremental synchronization, updates only changed data, retries full sync every 5 minutes, and ensures no data loss.
Secure API Connection Handling
Given the user’s authentication credentials, when establishing or refreshing API connections, then all calls use TLS 1.2 or higher, OAuth tokens are auto-refreshed before expiration, and failed authentication attempts are logged and reported to the user.
Tax Liability Insights Dashboard
"As an informed investor, I want a dashboard showing my projected tax liability and harvesting opportunities so that I can make decisions to reduce my taxes before year-end."
Description

Provide a consolidated dashboard that projects short- and long-term tax liabilities based on current holdings and realized events. Includes scenario modeling for tax-loss harvesting, displays potential savings, and offers actionable recommendations to minimize overall tax burden in upcoming filing periods.

Acceptance Criteria
Annual Tax Liability Projection
Given the user has linked investment accounts When the dashboard loads Then the system displays projected short-term and long-term tax liabilities segmented by asset class using current tax rate settings
Tax-Loss Harvesting Scenario Modeling
Given the user opens the scenario modeling tool When they adjust sale amounts for underperforming assets Then the dashboard recalculates potential tax-loss harvesting savings and updates projected tax liability accordingly
Wash-Sale Event Highlighting
Given the user has realized losses on a security repurchased within 30 days When viewing realized events Then the dashboard flags wash-sale events with explanatory tooltips and excludes disallowed losses from tax liability calculations
Personalized Tax Minimization Recommendations
Given current projected tax liabilities and user-defined risk preferences When the dashboard is generated Then the system provides at least three actionable recommendations to minimize tax burden, prioritized by estimated savings
Realized vs Unrealized Gain Categorization
Given current holdings and transaction history When the dashboard processes gains and losses Then it categorizes each as realized or unrealized and displays totals for each category
Alert & Recommendation System
"As a busy professional, I want to receive alerts and actionable recommendations about my portfolio’s tax events so that I can act promptly without constantly monitoring the app."
Description

Generate timely notifications and personalized recommendations related to gain/loss thresholds, wash-sale risks, and tax-optimization strategies. Supports email, in-app, and push notifications. Tailors alerts based on user-defined preferences and portfolio behavior to drive proactive decision-making.

Acceptance Criteria
Gain Threshold Alert Notification
1. Notification is sent within 5 minutes of a holding’s gain exceeding the user-defined threshold 2. Notification includes holding name, current gain/loss value, percentage change, and timestamp 3. User receives notification via all enabled channels (email, in-app, push) per their preferences 4. System logs the alert event and status for auditing
Wash-Sale Risk Alert
1. System identifies potential wash-sale events based on user’s buy/sell history within 30 days 2. Alert is generated immediately after a risky transaction is detected 3. Alert message explains the wash-sale rule and affected transactions 4. User can acknowledge or dismiss the alert in-app, and the choice is recorded
Tax Optimization Recommendation Delivery
1. System analyzes portfolio at end of day and generates at least one actionable tax-saving recommendation 2. Recommendation includes projected tax impact, required trades, and risk considerations 3. Recommendation is delivered via email summary and in-app notification 4. User can view detailed recommendation report and mark it as implemented
User Preference Update Confirmation
1. When a user updates notification preferences, system sends a confirmation message via chosen channel 2. Confirmation message lists the updated settings accurately 3. Changes take effect immediately and are reflected in subsequent alerts 4. Activity log records the preference change event with timestamp
Multi-Channel Notification Consistency
1. For a single alert event, all enabled channels receive the same content within a 2-minute window 2. Content formatting is consistent across email, push, and in-app notifications 3. Delivery status for each channel is tracked and retriable on failure 4. User dashboard displays a unified view of sent and delivered notifications

Tax Scenario Simulator

Runs customizable ‘what-if’ simulations to project your tax impact based on different selling strategies and timelines, empowering you to optimize trade timing and asset allocation before you file.

Requirements

Tax Profile Configuration
"As an investor, I want to configure my personal tax profile so that the simulator applies accurate tax rates and deductions to my scenarios."
Description

Allow users to input and save their personal tax information, including federal and state tax brackets, filing status, and any relevant deductions or credits. This ensures simulations use accurate tax rates and personal circumstances for realistic projections. The configuration integrates with existing account settings, providing an intuitive interface to update tax profiles as needed and validating inputs to prevent errors.

Acceptance Criteria
Access Tax Profile Configuration Page
Given the user is logged in and on the dashboard, when they navigate to Settings > Tax Profile, then the Tax Profile Configuration page displays fields for federal tax bracket, state tax bracket, filing status, deductions, and credits.
Save Valid Tax Profile
Given the user has entered valid federal and state tax brackets, filing status, and relevant deductions or credits, when they click Save, then the system stores the tax profile and displays a success confirmation within 3 seconds.
Handle Invalid Tax Bracket Input
Given the user enters an invalid federal or state tax bracket (e.g., outside the range of 0–50%), when they attempt to save, then the system shows an inline error message for the invalid field and prevents saving until corrected.
Pre-Populate Existing Tax Profile
Given the user has a previously saved tax profile, when they revisit the Tax Profile Configuration page, then all saved tax profile values are pre-populated in their corresponding fields.
Integrate Tax Profile with Simulator
Given the user runs a tax scenario simulation, when the simulation executes, then it applies the user’s saved federal and state rates, filing status, deductions, and credits to project accurate tax impacts.
Sell Scenario Builder
"As an investor, I want to build custom sell scenarios with asset selection, sale percentages, and timelines so that I can explore different trading strategies."
Description

Provide an interactive interface for users to create customizable sell scenarios by selecting specific assets, percentages to sell, and timeframes. The builder should support multiple timeline options (e.g., immediate sale, staged selling over months) and allow saving scenarios for future comparison. It integrates seamlessly with the portfolio view, enabling users to drag-and-drop or select assets directly from their holdings.

Acceptance Criteria
Dragging Asset into Scenario Builder
Given a user views their portfolio, when they drag an asset from the portfolio list into the Sell Scenario Builder, then the builder displays the asset’s ticker, current holdings quantity, and a percentage input field defaulted to 0% without error.
Selecting Sell Percentage and Timeframe
Given an asset is in the Sell Scenario Builder, when the user inputs a sell percentage (1–100%) and selects a timeframe option (Immediate, Specific Date, Date Range), then the builder validates the inputs, updates the estimated proceeds in real time within 1% of market price, and enables the Next button.
Configuring Staged Sell Timeline
Given the builder is open, when the user chooses ‘Staged Selling’ and adds multiple sell stages, then they can specify at least two stages with individual percentages whose sum equals 100%, receive real-time validation feedback, and view the updated timeline chart reflecting each stage.
Saving a Sell Scenario
Given a fully configured scenario, when the user clicks Save, then a prompt appears to name the scenario, and upon confirmation the scenario is stored in Saved Scenarios with all parameters intact, visible in the list and accessible for editing.
Comparing Multiple Saved Scenarios
Given there are at least two saved scenarios, when the user selects scenarios to compare, then the system displays a side-by-side comparison of estimated net proceeds, tax impacts, and timelines, with data loading within 2 seconds and no visual overlap.
Tax Impact Visualization
"As an investor, I want to see visual representations of projected tax outcomes so that I can quickly grasp the financial impact of different strategies."
Description

Display the projected tax impact of each simulation through dynamic charts and graphs, including realized gain/loss, effective tax rate, and net proceeds. Visualizations should be interactive, allowing users to hover for detailed breakdowns and toggle between different views (e.g., bar charts, line graphs). This feature enhances understanding by translating complex calculations into clear, visual insights.

Acceptance Criteria
Viewing Tax Impact in Bar Chart Mode
Given a user selects the bar chart view for a saved tax simulation, when the chart loads, then it displays realized gain/loss, effective tax rate, and net proceeds for each asset with correct numerical values and labels.
Inspecting Detailed Breakdown via Hover
Given a user hovers over any data point on the visualization, when the hover event triggers, then a tooltip appears showing a detailed breakdown of projected tax impact metrics (realized gain/loss, effective tax rate, net proceeds) with precise values.
Switching Between Bar and Line Graphs
Given a user toggles the chart type control, when the selection changes, then the visualization updates to the chosen chart type (bar or line) within two seconds, retaining the current simulation data and axis scales.
Auto-Updating Visualization After Simulation Run
Given a user runs or modifies a tax simulation, when the simulation completes, then the chart automatically refreshes to reflect new projections within three seconds, without requiring a manual page reload.
Handling Empty or Incomplete Data Sets
Given a tax simulation returns no data or incomplete results, when the visualization attempts to render, then a user-friendly message is displayed stating "No data available to display" and no blank or broken chart elements appear.
Scenario Comparison Dashboard
"As an investor, I want to compare multiple tax scenarios side by side so that I can identify the most advantageous selling strategy."
Description

Enable side-by-side comparison of multiple saved tax scenarios, highlighting key metrics such as tax owed, net proceeds, and time to breakeven. The dashboard organizes scenarios in a tabular and graphical format, making it easy to evaluate and select optimal strategies. It integrates filtering and sorting options to focus on specific metrics or scenarios.

Acceptance Criteria
Multiple Scenarios Side-by-Side View
Given the user has at least two saved tax scenarios, when they navigate to the Scenario Comparison Dashboard, then the dashboard displays these scenarios in a tabular format showing columns for tax owed, net proceeds, and time to breakeven for each scenario.
Sorting Scenarios by Key Metric
Given the Scenario Comparison Dashboard is displaying multiple scenarios, when the user selects to sort by tax owed ascending, then the scenarios reorder correctly with the lowest tax owed first and the table updates within 200ms.
Filtering Scenarios for Specific Asset
Given the user has scenarios that include different asset types, when they apply a filter for a specific asset, then only scenarios involving that asset are displayed in both the table and graph, and the filter pill is visibly active.
Graphical Comparison Chart Rendering
Given the user has at least two scenarios selected, when they switch to the graphical view, then a comparative chart renders lines or bars representing each scenario's net proceeds over time with a legend distinguishing each scenario.
Export Scenario Comparison
Given the user has selected scenarios to compare, when they click the export button, then the dashboard generates and downloads a CSV file containing columns for scenario name, tax owed, net proceeds, and time to breakeven as presented, with the filename including the current date.
Exportable Simulation Report
"As an investor, I want to export my simulation results so that I can keep records or share them with my advisor."
Description

Allow users to export detailed simulation results into PDF or CSV formats for record-keeping or sharing with financial advisors. The report includes all input parameters, projections, visual charts, and a summary analysis. Export functionality should be accessible from the simulation overview page and support custom templates for branding or personalized notes.

Acceptance Criteria
Exporting Simulation Report as PDF with Default Template
Given a completed tax simulation, when the user selects the export button and chooses PDF with the default template, then the system generates a downloadable PDF containing all input parameters, projections, visual charts, and summary analysis, preserving default branding and formatting.
Exporting Simulation Report as CSV with Custom Template
Given a completed tax simulation, when the user selects the export button and chooses CSV with a custom template, then the system generates a CSV file including all input parameters and projection data formatted according to the user’s selected template and prompts the user to download the file.
Accessing Export Functionality on Simulation Overview Page
Given the user is viewing the simulation overview page, when the page loads, then an export dropdown menu with options for PDF and CSV and template selection is visible, clearly labeled, and accessible without additional navigation.
Including Visual Charts in Exported Reports
Given the user initiates export for either PDF or CSV, when the export process completes, then embedded visual charts appear in the PDF at high resolution and are referenced via accessible links or inline images in the CSV, matching the projection data accurately.
Applying Custom Templates with Branding and Notes
Given the user has created or uploaded a custom template with personalized notes and branding, when the user selects this template during export, then the exported report incorporates the user-defined layout, notes, and branding elements exactly as configured.

Crypto Cost Basis Converter

Transforms your crypto trades into preferred cost-basis methods (FIFO, LIFO, Specific ID) with one click, ensuring precise tax calculations and eliminating the need for manual spreadsheet adjustments.

Requirements

Transaction Data Import
"As an investor, I want to automatically import all my crypto transactions so that I don’t have to manually enter trades and risk errors."
Description

Enable seamless import of crypto transaction histories from major exchanges and wallets, ensuring accurate and comprehensive data retrieval without manual entry. The feature integrates API connections and CSV uploads, normalizing timestamps and transaction types for consistent processing within Nestfolio’s dashboard.

Acceptance Criteria
Import Transactions via API from a Supported Exchange
Given a user with valid API credentials for Exchange X, When the user initiates a transaction import, Then all available crypto transaction history for the past 90 days is retrieved, normalized, and listed in the dashboard without missing fields.
Import Transactions via CSV Upload
Given a user uploads a CSV file following the provided template, When the file is processed, Then all transactions are parsed, timestamps normalized to UTC, transaction types standardized, and previewed for confirmation.
Normalize Timestamps Across Time Zones
Given imported transactions with varied time zones, When the import completes, Then all timestamps are converted to UTC and displayed consistently in the dashboard.
Prevent Duplicate Transaction Entries
Given a user has previously imported transactions, When a new import is run, Then the system identifies duplicates by transaction ID and timestamp and prevents them from being re-imported.
Handle Invalid API Credentials
Given a user enters incorrect API credentials, When the import is attempted, Then the system displays a clear error message indicating invalid credentials and no data is imported.
Cost Basis Method Selection
"As a trader, I want to select my preferred cost-basis method so that my tax calculations reflect my chosen strategy."
Description

Provide a one-click interface for users to choose their preferred cost-basis method (FIFO, LIFO, Specific Identification), persisting the selection across sessions and ensuring calculations use the correct methodology for tax reporting.

Acceptance Criteria
First-time Cost Basis Method Selection
Given a user accesses the Cost Basis Method Selection interface for the first time When they view the available methods Then FIFO is pre-selected as the default option and highlighted visually
Persisting User Selection Across Sessions
Given a user selects LIFO as their cost basis method and logs out When they log back in Then LIFO remains selected and all subsequent calculations use LIFO
Switching to Specific Identification
Given a user switches to Specific Identification When they choose specific crypto trades from their transaction list Then the selected trades are recorded and used for cost basis calculations
Cost Basis Calculations Reflect Selection
Given a user has chosen a cost basis method When they generate a tax report Then the displayed gains and losses match calculations based on the selected method
Handling Unsupported Method Selection
Given a deprecated cost basis method is no longer available When a user attempts to select it Then the option is disabled and an informative error message is shown
Automated Gain/Loss Calculation
"As a portfolio manager, I want the app to compute my gains and losses automatically so that I can see my tax liability without manual spreadsheets."
Description

Automatically calculate realized gains and losses based on imported transactions and the selected cost-basis method, flagging short-term versus long-term gains and integrating results into the user’s tax summary dashboard.

Acceptance Criteria
Single Trade FIFO Calculation
Given a user has imported a single crypto purchase and subsequent sale and selects the FIFO cost-basis method When the system calculates realized gains Then it applies FIFO ordering, computes the correct gain/loss, and displays the result in the tax summary dashboard.
Multiple Trades LIFO Calculation
Given a user has imported multiple buy and sell transactions spanning several dates and selects the LIFO cost-basis method When the system processes the transaction history Then it applies LIFO ordering, calculates realized gains/losses for each sale, flags each as short-term or long-term, and updates the tax summary dashboard accordingly.
Specific ID Cost Method
Given a user has tagged specific purchase lots for identification When the user selects the Specific ID cost-basis method and sells matching lots Then the system uses the specified lot costs to calculate realized gains/losses and reflects them accurately in the dashboard.
Short-Term vs Long-Term Flagging
Given imported transactions with holding periods above and below 365 days When the system calculates realized gains and losses Then it classifies each gain as short-term or long-term based on the one-year threshold and displays the classification alongside each transaction.
Summary Dashboard Integration
Given multiple calculated realized gains/losses using the selected cost-basis method When the system aggregates results Then the tax summary dashboard shows total realized gain/loss, breaks down amounts by short-term and long-term, and indicates the cost-basis method used.
Export Tax Reports
"As a filer, I want to export a formatted tax report so that I can submit accurate documents to the IRS or my accountant."
Description

Generate downloadable, IRS-compliant tax report files (e.g., Form 8949 and summary CSV) reflecting the calculated cost basis, gains, and losses. Ensure reports include all necessary fields and formatting for direct submission or accountant review.

Acceptance Criteria
Export Form 8949 for IRS submission
Given a user with crypto trades selected and cost basis calculated, when exporting IRS report, then the system generates a Form 8949 PDF with all required fields (Part I and Part II transactions, cost basis, proceeds, gain/loss) correctly populated and formatted according to IRS specifications.
Export summary CSV for accountant review
Given a user requests a CSV summary, when exporting, then the system outputs a CSV file containing columns: date acquired, date sold, quantity, cost basis, proceeds, gain/loss, cost-basis method, matching the data in the dashboard.
Handle large data sets export performance
Given a user has over 10,000 transactions, when exporting Form 8949 or CSV, then the export completes within 30 seconds without errors and file integrity is maintained.
Error handling for missing data
Given a user's account has incomplete transaction data, when exporting, then the system displays an error indicating missing required fields and prevents report generation until data is complete.
Ensure export compatibility with major tax software
Given a user imports the generated CSV into popular tax software (e.g., TurboTax, TaxAct), when imported, then all transactions are recognized correctly without formatting errors.
Manual Override of Cost Basis Entries
"As a user, I want to override a transaction’s cost basis so that I can correct imports or account for off-platform fees."
Description

Allow users to manually adjust specific cost-basis entries for any transaction, capturing notes and reasons for audit compliance. Overrides should update calculations and reflect in all related reports in real time.

Acceptance Criteria
Adjusting Cost Basis for a Specific Crypto Transaction
1. Given a user viewing a transaction, when the user clicks 'Override Cost Basis' and enters a new cost value and reason, then the system saves the override and updates the transaction’s cost basis accordingly. 2. When an override is saved, the original cost basis, new value, and reason appear in the transaction history log. 3. The override form accepts valid numeric values only; any non-numeric entry triggers an inline error message.
Ensuring Override Auditing Information is Captured
1. Given an override action, when the user submits the override, then the system records timestamp, user ID, reason, and original vs. overridden values in the audit log. 2. When viewing transaction details, then the audit trail displays all override entries in chronological order.
Reflecting Manual Overrides in Portfolio Reports
1. Given a manual override exists, when the user generates a daily snapshot or tax report, then the overridden cost basis is used in all calculations. 2. When comparing reports before and after the override, then the system highlights changes due to the override.
Restricting Manual Override Access to Authorized Users
1. Given a standard user role, when accessing the override function, then the 'Override Cost Basis' option is visible only if the user has override permissions. 2. When an unauthorized user attempts to submit an override, then the system displays an access denied message and logs the attempt.
Maintaining Integrity During Multiple Overrides
1. Given multiple sequential overrides on the same transaction, when each override is saved, then the system preserves each entry in the audit log without data loss. 2. When rolling back to a previous override, then the user can select any earlier override entry and restore its cost basis value.
Change History and Audit Trail
"As an auditor, I want to view the history of cost-basis changes so that I can verify the accuracy and compliance of my tax reports."
Description

Maintain a detailed audit trail of all cost-basis selections, calculations, and manual overrides with timestamps and user IDs. Provide a history view so users and auditors can trace changes and validate data integrity.

Acceptance Criteria
Cost-Basis Selection Change Logged
Given a user changes the cost-basis method for a trade, when the change is submitted, then the system must record the user ID, timestamp, original method, and new method in the audit trail.
Manual Override Recorded
Given a user applies a manual override to a cost-basis calculation, when the override is saved, then the system must capture the override reason, user ID, timestamp, and affected trade details.
Audit Trail Accessible in History View
Given a user navigates to the Cost Basis History page, when the page loads, then it must display a chronological list of all changes and overrides with associated user IDs and timestamps.
Immutable Historical Entries
Given an existing audit entry, when any user attempts to edit or delete the entry, then the system must prevent modification and display an authorization error.
Export Audit History
Given a user requests an export of the audit trail, when the export is generated, then the system must produce a CSV file containing all audit entries with timestamps, user IDs, and change details.

Multi-Jurisdiction Mapper

Automatically adapts your reports to comply with US federal, state, and international tax regulations, delivering region-specific forms and calculations so you remain compliant no matter where you invest.

Requirements

Jurisdiction Detection
"As a global investor, I want the system to detect all relevant tax jurisdictions for my portfolio so that I don’t have to manually track where I owe taxes."
Description

Automatically identify the tax jurisdictions applicable to each user’s investment portfolio based on account location, asset type, and transaction history, ensuring accurate compliance scope without manual input.

Acceptance Criteria
Initial Jurisdiction Identification Upon Account Linking
Given a user links a new investment account, When the system retrieves account metadata (location, asset type), Then the system assigns the correct federal and state (or international) jurisdictions to that account.
Automatic Update of Jurisdictions on New Transactions
Given a user’s portfolio already mapped to jurisdictions, When a new transaction is synced, Then the system re-evaluates the transaction’s location and asset type and updates the jurisdiction list within 60 seconds.
Handling Multiple Jurisdictions Across Asset Types
Given a portfolio containing assets in different regions, When jurisdictions are detected, Then the system lists each applicable jurisdiction exactly once with no omissions.
User Override and Persistence of Detected Jurisdictions
Given the system has auto-detected jurisdictions, When the user manually adds or removes a jurisdiction, Then the system preserves the user’s changes across subsequent data syncs.
Fallback Workflow for Undetermined Regions
Given the system cannot determine an account’s jurisdiction, When jurisdiction detection fails, Then the system prompts the user to manually select the jurisdiction before generating reports.
Tax Rule Engine
"As a user, I want the platform to apply the correct tax rules automatically so that my tax calculations are always accurate and compliant."
Description

Implement a dynamic engine that applies up-to-date tax regulations for federal, state, and international jurisdictions to calculate liabilities, withholding requirements, and reporting thresholds.

Acceptance Criteria
Federal Tax Calculation Scenario
Given a user's investment transactions for a fiscal year in the US, when the engine runs, then the correct federal income tax liability is calculated using the most recent IRS tax brackets within a tolerance of $0.01 and a summary report is generated.
State Tax Calculation Scenario
Given a user's residency and investment activity in a specific US state, when the engine evaluates transactions, then state-level tax liability is computed according to the latest state tax codes and reflected in the summary.
International Tax Calculation Scenario
Given a user's investments in foreign exchanges subject to international tax treaties, when the engine processes transactions, then withholding rates and credits are applied accurately based on the user's country of residence and relevant treaties.
Withholding Requirements Scenario
Given a user's dividend or interest distributions, when the engine evaluates international payments, then the required withholding amounts are calculated per jurisdiction rules and itemized per transaction in the report.
Compliance Reporting Scenario
Given calculated tax liabilities and withholding data, when the user requests an export, then the engine generates region-specific tax forms (e.g., IRS Form 1040, state forms, international filings) with correctly populated fields.
Regional Form Generator
"As a user, I want ready-to-submit tax forms tailored to my jurisdiction so that I can file taxes without preparing forms manually."
Description

Generate and pre-fill region-specific tax forms (e.g., IRS 1099, state forms, international tax certificates) with calculated values and user data, ready for review and submission.

Acceptance Criteria
IRS 1099 Form Generation
Given the user has linked US brokerage accounts with investment transactions for the tax year When the Regional Form Generator is triggered for federal tax reporting Then a pre-filled IRS 1099 form is produced containing correct earnings, tax withheld, and user personal data, and is available for review in PDF format
California State Tax Form Generation
Given the user’s residence is set to California and state-level transactions are recorded When the Regional Form Generator processes state tax data Then a pre-filled California state tax form (e.g., Form 540) is generated with accurate income, deductions, and user details
UK Self-Assessment Tax Certificate Generation
Given the user has investments in UK markets and valid tax residency information When the Regional Form Generator is asked to produce international tax documents Then a pre-filled UK Self-Assessment Tax Certificate is generated with correct earnings converted to GBP, allowances applied, and user information populated
User Data Change Propagation
Given the user updates personal information (address, SSN/Passport number, or residency status) When the Regional Form Generator runs subsequent form generation Then all generated tax forms reflect the updated user data without requiring manual corrections
Form Export and Download Ready
Given the forms have been generated and reviewed by the user When the user selects export Then the system provides options to download each form in PDF and CSV formats, and confirms successful download through a notification
Currency Conversion Support
"As an investor with assets in multiple currencies, I want accurate currency conversions so that my tax reports reflect correct values in my home currency."
Description

Integrate real-time and historical exchange rate data to convert asset values and transaction amounts into the user’s primary currency for consistent reporting across jurisdictions.

Acceptance Criteria
Real-time Conversion Accuracy
Given a user’s portfolio containing assets priced in various currencies When the dashboard is loaded Then each asset value is converted to the user’s primary currency using the latest exchange rate received within the last 60 seconds And the converted values match calculations performed independently
Historical Rate Application
Given a transaction dated on a past business day When the user views historical performance reports Then the asset values and transaction amounts are converted using the exchange rate effective on the transaction date And the applied rate matches the official historical rate from the data provider
Unavailable Rate Fallback Handling
Given an asset denominated in a minor currency without a direct exchange rate available When the system attempts conversion Then the system falls back to a defined intermediary currency conversion path Or displays a clear warning message if no fallback path exists
Bulk Transaction Conversion Performance
Given a batch of 1,000+ transactions in mixed currencies When the user requests a portfolio summary Then all transactions are converted accurately to the primary currency within 2 seconds And total converted portfolio value equals the sum of individual converted transactions
Currency Precision Consistency
Given multiple converted asset values When displaying totals and aggregates in the dashboard Then all values are rounded consistently to two decimal places And the sum of rounded individual values equals the displayed total without discrepancy
Data Validation & Audit Trail
"As a compliance officer, I want a complete audit trail of all tax computations and form outputs so that I can verify accuracy and defend against audits."
Description

Implement validation checks and maintain an immutable audit log of jurisdiction mappings, tax calculations, and form generations to ensure traceability and support audits.

Acceptance Criteria
Jurisdiction Mapping Validation
Given a user submits a new jurisdiction mapping with country, state/province, and tax code When the system validates the input Then it accepts mappings with valid ISO codes and rejects entries with invalid or missing fields and returns an appropriate error message
Tax Calculation Validation
Given a completed jurisdiction mapping and investment data When the system performs tax calculations Then it applies the correct regional rules and rounding conventions and flags any mismatches against predefined calculation rules
Form Generation Audit Logging
Given a user requests a tax form generation for a specific jurisdiction When the form is generated Then the system creates an immutable log entry recording user ID, timestamp, form type, and jurisdiction details
Audit Log Integrity
Given an existing audit log entry When any user or process attempts to modify or delete the entry Then the system denies the action and records a tamper-attempt event with details in a separate immutable log
Audit Trail Export
Given an administrator requests an export of audit logs for a defined date range When the export is initiated Then the system provides a downloadable, read-only report containing all log entries with unalterable checksums

Deduction Receipt Vault

Securely stores digital copies of transaction receipts, staking fees, and other supporting documents directly alongside your tax reports, simplifying audit trails and maximizing deductible claims.

Requirements

Receipt Upload Interface
"As an investor, I want to easily upload my transaction receipts and tax documents so that I can maintain a complete record without manual tracking."
Description

Implement a user-friendly interface within the Deduction Receipt Vault that allows users to upload digital copies of transaction receipts, staking fees, and supporting tax documents directly from their device or connected accounts. The interface should support drag-and-drop and manual selection workflows, provide upload progress indicators, and integrate seamlessly with Nestfolio’s existing dashboard. This feature ensures fast, intuitive submission of documents, reduces manual effort, and keeps all tax-related files organized in one centralized location.

Acceptance Criteria
Drag-and-Drop Receipt Upload
Given the user is on the Deduction Receipt Vault page, When the user drags and drops a valid receipt file (JPEG, PNG, PDF) into the upload area, Then the system should accept the file, display it in the upload queue with filename and size, and show a success message.
Manual File Selection Upload
Given the user is on the Deduction Receipt Vault page, When the user clicks the 'Upload' button and selects one or more valid receipt files via the file picker, Then the selected files should appear in the upload queue with filenames, sizes, and a 'Ready to Upload' indicator.
Upload Progress Feedback
Given one or more files are queued for upload, When the upload process begins, Then the interface should display an upload progress bar with real-time percentage for each file and update to 'Upload Complete' upon successful upload.
Seamless Dashboard Integration
Given a receipt is successfully uploaded, When the user navigates to the Tax Reports section or refreshes the dashboard, Then the uploaded receipt should be automatically linked and visible under the corresponding transaction entry without additional manual actions.
Error Handling for Invalid Files
Given the user attempts to upload an unsupported file type (e.g., .exe, .zip) or a file larger than 10MB, When the file is dropped or selected for upload, Then the system should reject the file, display a clear error message specifying the reason for rejection, and prevent the file from entering the upload queue.
Automated Document Tagging
"As a user, I want my uploaded receipts to be auto-tagged and categorized so that I don’t have to manually organize them before filing taxes."
Description

Develop an OCR- and machine-learning–driven tagging system that automatically extracts key metadata from uploaded receipts (e.g., date, amount, transaction type, and merchant) and categorizes them into relevant tax deduction buckets. The system should learn from user corrections over time and improve accuracy. This requirement streamlines data entry, minimizes errors, and accelerates the preparation of audit-ready records.

Acceptance Criteria
Receipt Upload and Auto-Extraction
Given a user uploads a clear digital receipt image When the upload completes Then the OCR engine extracts date, amount, merchant, and transaction type with at least 95% accuracy and displays editable tags
User Correction Learning Feedback
Given a user corrects any auto-extracted tags When corrections are submitted Then the system updates its ML model and achieves a 20% reduction in similar tagging errors over the next 100 uploads
Categorization into Tax Deduction Buckets
Given extracted receipt metadata When the classification engine processes the data Then each receipt is assigned to the appropriate tax deduction category with at least 90% accuracy
Bulk Receipt Processing
Given a batch of 50 or more receipt uploads When bulk processing is initiated Then all receipts are OCR-scanned, tagged, and categorized within two minutes with zero processing errors
Audit Report Export
Given stored and tagged receipts When the user exports the audit report Then the generated report includes all receipt metadata and categories formatted according to IRS guidelines
Secure Data Encryption
"As a user, I want my financial documents to be encrypted so that my sensitive information remains secure against unauthorized access."
Description

Ensure all stored receipts and supporting documents are encrypted at rest and in transit using industry-standard encryption protocols (e.g., AES-256 for data at rest and TLS 1.2+ for data in transit). Integrate key management practices and role-based access controls to protect sensitive financial information. This requirement guarantees user privacy, complies with regulatory standards, and builds trust in Nestfolio’s security measures.

Acceptance Criteria
Uploading Receipts with Encryption at Rest
Given a user uploads a receipt document, When the system stores the document, Then the document must be encrypted using AES-256 at rest and stored ciphertext must be unreadable without the decryption key.
Retrieving Documents with Decryption
Given a user requests access to a stored receipt, When the system retrieves the document, Then the document must be decrypted on-the-fly using secure key retrieval and delivered over a TLS 1.2+ connection.
Key Rotation Management
Given encryption keys are nearing expiration, When the key rotation process is initiated, Then new keys must be generated, applied to all active data, and old keys revoked without data loss or access disruption.
Role-Based Access Control Enforcement
Given a user with non-admin role requests a document not owned by them, When the access request is processed, Then the system must deny decryption, return an access denied error, and log the attempt.
Encryption Protocol Compliance Verification
Given a compliance audit is performed, When checking data transport channels, Then all in-transit data must be secured with TLS 1.2+ and any non-compliant endpoints must be identified and remediated.
Audit Trail Generation
"As a tax preparer, I want a complete audit trail of all receipt actions so that I can demonstrate authenticity and integrity during audits."
Description

Create an immutable audit trail that logs each action performed on every document within the Deduction Receipt Vault (e.g., upload, edit, delete, and export). Each log entry should include a timestamp, user ID, and action details. Provide a dedicated audit log view that can be exported in CSV or PDF formats. This feature supports compliance and simplifies external and internal audits by offering clear traceability of document handling.

Acceptance Criteria
Uploading a New Receipt
Given a user uploads a receipt to the Deduction Receipt Vault When the upload is complete Then an audit log entry is created containing the timestamp, user ID, action type “upload”, and document ID
Editing an Existing Document
Given a user edits metadata or content of an existing receipt When the save action is performed Then an audit log entry is created with the timestamp, user ID, action type “edit”, document ID, and details of fields changed
Deleting a Document
Given a user deletes a document from the vault When the delete action is confirmed Then an immutable audit log entry is recorded with timestamp, user ID, action type “delete”, document ID, and reason if provided
Exporting the Audit Log
Given a user requests an audit log export When the user selects CSV or PDF format Then the system generates a downloadable file containing all log entries with correct headers and data matching the audit log view
Concurrent User Actions
Given multiple users perform actions on documents at the same time When their operations complete Then the audit trail maintains correct chronological order and logs user-specific timestamped entries without data loss or overlap
Multi-Format File Support
"As a user, I want to upload receipts in the format I already have (e.g., PDF or JPG) so that I don’t need to convert files before uploading."
Description

Enable the Deduction Receipt Vault to accept and process multiple file formats, including PDF, JPEG, PNG, and TIFF. Implement client-side validation to ensure only supported formats are uploaded, and integrate server-side converters to standardize files when necessary. This ensures maximum flexibility for users submitting documents in different formats without pre-conversion steps.

Acceptance Criteria
Supported PDF File Upload
Given a user selects a PDF file within the 10MB limit, when the user uploads it, then the system accepts the file without error, attaches it to the Deduction Receipt Vault entry, and displays a success notification.
Supported Image File Upload
Given a user selects a JPEG or PNG file, when the user uploads it, then the system accepts the file, displays a thumbnail preview, and attaches it to the corresponding tax report.
TIFF File Conversion
Given a user uploads a TIFF file, when the file is received server‐side, then the system automatically converts it to PDF, stores the converted file, and notifies the user that the file has been standardized.
Unsupported File Format Rejection
Given a user attempts to upload an unsupported file format (e.g., .docx, .gif), when the upload is initiated, then the system rejects the file client‐side, blocks the upload, and displays an error message specifying supported formats.
Batch Upload Mixed Formats
Given a user selects multiple files of supported formats (PDF, JPEG, PNG, TIFF), when the user uploads them in a batch, then the system validates each file, converts TIFF files as needed, attaches all successfully processed files, and presents a summary of upload results.
Deduction Claim Summary
"As a user, I want to see a consolidated summary of deductible amounts so that I can verify my claims before submitting my tax return."
Description

Develop a dashboard widget that aggregates all tagged receipts and calculates total deductible amounts by category (e.g., trading fees, staking fees, professional services). Include filters for date ranges and tax years, and allow users to export the summary as CSV or PDF for inclusion in annual tax reports. This feature offers clear visibility into potential deductions and assists in finalizing accurate tax filings.

Acceptance Criteria
Calculate Total Deductions by Category
Given the user has multiple tagged receipts across categories, when they open the Deduction Claim Summary widget, then the dashboard displays the sum of deductible amounts for each category reflecting all tagged receipts.
Filter Deductions by Date Range
Given the user selects a start and end date in the date range filter, when the filter is applied, then only receipts within the specified date range are included in the category totals and displayed in the summary.
Filter Deductions by Tax Year
Given the user selects a tax year from the dropdown filter, when the filter is applied, then only receipts with transaction dates in the selected tax year are displayed and summed in the Deduction Claim Summary.
Export Summary as CSV
Given the user clicks the ‘Export CSV’ button, when the export process completes, then a CSV file with columns for date, category, description, and deductible amount—matching the current filters—is downloaded.
Export Summary as PDF
Given the user clicks the ‘Export PDF’ button, when the PDF is generated, then a PDF file containing the summary table with category totals and detailed receipt entries—matching the current filters—is downloaded.

Instant Export & E-File

Generates fully formatted tax forms (e.g., IRS Form 8949, Schedule D) and provides secure e-filing or accountant-ready exports in minutes, streamlining submission and reducing filing errors.

Requirements

Form Template Generation
"As an individual investor, I want the platform to produce completed IRS tax forms based on my transaction history so that I can avoid manual form preparation and ensure compliance."
Description

Automatically generate fully formatted IRS tax forms (such as Form 8949 and Schedule D) using user investment data. The system must apply the correct layout, fonts, headers, and footers, handling multiple holdings and transactions seamlessly. This generates ready-to-use PDF forms that comply with IRS guidelines, reducing manual formatting work and minimizing errors in taxpayer submissions.

Acceptance Criteria
Single Transaction Form Generation
Given a user portfolio with one investment transaction, when the user initiates Instant Export, then the system must generate a PDF containing correctly formatted IRS Form 8949 and Schedule D showing that transaction, using the approved IRS layout, fonts, headers, and footers.
Multiple Holdings Consolidation
Given a user with multiple asset types and transactions, when exporting tax forms, then the system shall consolidate all transactions into the proper sections of Form 8949 and Schedule D, sort entries by short-term and long-term categories, and produce a compliant PDF without missing or duplicate entries.
High Volume Export Performance
Given a portfolio containing over 500 transactions, when requesting an export, then the system generates the complete PDF forms in under 2 minutes, maintains correct formatting for all entries, and completes without errors or performance degradation.
IRS Compliance Layout Check
Given any generated tax form PDF, then the document’s page size must be 8.5×11 inches, use Times New Roman 12pt, place fields within ±2mm of IRS specification positions, and include official header and footer text exactly as defined by IRS guidelines.
Secure E-File Submission
Given a user opts for e-filing, when submitting the generated forms, then the system must encrypt the transmission with TLS 1.2 or higher, receive a valid IRS acceptance receipt within 60 seconds, and record the submission status and receipt code in the user’s filing history.
Transaction Data Aggregation
"As a busy professional, I want my investment transactions to be aggregated and categorized automatically so that I have accurate data for my tax forms without manual data entry."
Description

Consolidate and normalize transaction records from linked brokerage, crypto, and ETF accounts into a unified dataset for tax reporting. The system must correctly classify trades, calculate cost basis, gains/losses, and apply wash sale rules. This ensures accurate input for tax forms and builds the foundation for reliable export and e-filing.

Acceptance Criteria
Multi-Account Transaction Aggregation
Given a user has linked stock, crypto, and ETF accounts When the system initiates transaction data aggregation Then all transactions from each account are retrieved, normalized, and stored in the unified dataset within 5 minutes
Cost Basis Calculation Accuracy
Given a set of trade records including buys and sells When the system calculates cost basis using the FIFO method Then the computed cost basis for each lot matches expected values within a $0.01 tolerance
Wash Sale Identification
Given transactions with purchases and sales on overlapping dates When the system applies IRS wash sale rules Then all disallowed losses are identified, flagged, and cost basis adjusted correctly
Gains and Losses Summarization
Given a complete normalized dataset When the system aggregates realized gains and losses Then it provides separate totals for short-term and long-term gains matching manually validated figures
Data Export Readiness
Given a fully processed dataset When the user requests export Then the system outputs a CSV or JSON file conforming to the schema required for IRS Form 8949 and Schedule D with all mandatory fields present
Secure Document Encryption
"As a security-conscious user, I want my tax documents to be encrypted and protected so that my personal financial information remains confidential."
Description

Encrypt generated PDF and export files using industry-standard encryption (AES-256) and secure key management. Users must authenticate before downloading decrypted versions. This protects sensitive financial data during storage and transit, ensuring compliance with security regulations and building user trust.

Acceptance Criteria
AES-256 Encryption at Rest Validation
Given a generated PDF file is stored, When the file is accessed directly from storage, Then the file’s contents must be encrypted using AES-256 and unreadable without proper decryption.
Secure Key Management Workflow
Given the encryption key is stored in the secure key management system, When a decryption request is initiated by the application, Then the key must be retrieved securely without being exposed in system logs or to unauthorized components.
Authentication before Decryption
Given a user requests to download an encrypted export file, When the user successfully authenticates and has download permissions, Then the system decrypts the file and allows the download; otherwise, it denies access.
Data Transfer Encryption Check
Given an encrypted file is transmitted to the user, When the file is sent over the network, Then the transfer must use TLS 1.2 or higher to maintain end-to-end encryption.
Error Handling on Decryption Failures
Given an invalid or corrupted encryption key is used, When a decryption attempt fails, Then the system returns a clear error message to the user and logs the incident securely without exposing sensitive data.
E-File Integration
"As a user who wants a hassle-free tax season, I want to e-file my investment tax forms directly through the platform so that I can complete filing in minutes and receive immediate confirmation."
Description

Integrate with IRS e-file API (or authorized e-file service providers) to submit tax forms directly from the platform. The system must handle authentication, error handling, acknowledgments, and status tracking. This streamlines the filing process, provides real-time submission feedback, and reduces the likelihood of filing errors or delays.

Acceptance Criteria
User Authentication with E-File Service
Given valid platform credentials and API key When the user initiates authentication with the IRS e-file API Then the system securely exchanges credentials, retrieves an authentication token, and stores it encrypted at rest
Successful Tax Form Submission
Given completed IRS Form 8949 data prepared by the user When the user clicks 'Submit to IRS' Then the system sends the form to the e-file API, receives a 200 OK response with a submission ID, and displays a confirmation including the reference ID
Tax Form Submission Error Handling
Given the user submits tax forms to the e-file API When the API returns validation or server errors Then the system displays clear, specific error messages, logs the error details, and offers the user the ability to correct and retry the submission
Acknowledgement Receipt and Status Tracking
Given a valid submission ID returned from the e-file API When the system polls the API for submission status updates Then it updates the filing status to 'Accepted' or 'Rejected' on the dashboard, logs the timestamp, and notifies the user via email and in-app notification
Batch Processing of Multiple Tax Forms
Given the user has multiple tax forms across different accounts When the user initiates batch e-filing Then the system submits all forms in a single batch request, tracks each form’s individual status, and generates a consolidated summary report of results
Accountant-Ready Export
"As a user working with a tax advisor, I want to export my investment tax data in formats my accountant prefers so that they can review and file on my behalf without extra conversion steps."
Description

Provide export options in CSV, Excel, and XML formats tailored for accountant review or third-party tax software. Include mapping metadata, summary sheets, and detailed transaction logs. This ensures professionals can import data seamlessly and perform additional analysis or adjustments as needed.

Acceptance Criteria
CSV Export with Mapping Metadata
Given a user is on the export page and selects CSV format, When the export is executed, Then the system generates and downloads a CSV file within 5 seconds containing a header row with mapping metadata fields matching the accountant’s template and each transaction row includes the corresponding mapping code.
Excel Export with Summary Sheets
Given a user selects Excel format, When the export runs, Then the system creates an XLSX file with separate sheets: one summary sheet showing total gains, losses, and counts, and one detailed transactions sheet formatted with correct currency and date formats, and the summary sheet reconciles with the detailed sheet values.
XML Export for Third-Party Tax Software
Given a user selects XML format, When the export is triggered, Then the system produces an XML file conforming to the defined XSD schema including all required fields (transaction date, type, amount, cost basis) and the file passes schema validation without errors.
Detailed Transaction Logs Included
Given the user selects any export format, When the export completes, Then the output file includes a detailed log of all transactions for the selected tax year listing date, asset type, transaction type, amount, fees, and cost basis with no missing or duplicate records.
Secure Export Access and Logging
Given a user requests an export, When the request is processed, Then the system ensures the user is authenticated, uses HTTPS for the download, and records an audit entry with timestamp, user ID, and export format.

Medal Vault

A dedicated hub showcasing all earned medals in one place. Users can filter by goal type, date achieved, or medal level, providing a quick visual reference of milestones. This feature enhances motivation by allowing users to revisit past achievements and track their long-term progress easily.

Requirements

Medal Vault Home Screen
"As a user, I want to access a consolidated view of all my earned medals so that I can quickly review my achievements and track my progress."
Description

Design and implement the main Medal Vault dashboard within Nestfolio, featuring a responsive grid layout that displays all earned medals at a glance. The screen should auto-sync with user investment actions, ensure fast loading times, and provide clear visual cues for medal levels. Integrate seamlessly with the existing Nestfolio UI, allowing users to navigate back to their portfolio or other sections with minimal friction. This central hub empowers users to quickly assess their accomplishments without manual data compilation.

Acceptance Criteria
Responsive Grid Layout on Multiple Devices
Given the user accesses the Medal Vault on desktop, tablet, or mobile When the screen loads Then all earned medals are displayed in a responsive grid without overlap or truncation
Automatic Medal Sync After Investment
Given a user completes an investment action in their portfolio When the system processes the transaction Then the new medal (if earned) appears in the Medal Vault within 5 seconds
Performance Under 2-Second Load Time
Given the Medal Vault Home Screen is accessed When the user opens the screen Then the full dashboard loads within 2 seconds 95% of the time
Clear Visual Differentiation of Medal Levels
Given the Medal Vault displays earned medals When medals of different levels are shown Then each level has a distinct color, icon, or badge and a legend explains the level meanings
Intuitive Navigation Back to Portfolio
Given the user is viewing the Medal Vault When the user taps or clicks the “Back to Portfolio” button Then the app navigates to the portfolio screen within 1 second without losing any state
Filter Medals by Goal Type
"As a user, I want to filter my medals by goal type so that I can focus on the specific achievements most relevant to my current objectives."
Description

Implement dynamic filtering controls that allow users to narrow down their medal view based on predefined goal categories (e.g., savings milestones, portfolio growth, risk management). Filters should update results in real time, support multi-select, and remember user preferences between sessions. Ensure filters integrate with the existing state management to maintain performance and consistency across the app.

Acceptance Criteria
Single Goal Type Filter Application
Given the user is on the Medal Vault page When the user selects a single goal type filter (e.g., “Portfolio Growth”) Then only medals matching that goal type are displayed And the displayed medal count reflects only that selection
Multi-Select Goal Type Filtering
Given the user has multiple goal type filters available When the user selects two or more goal types simultaneously Then medals from all selected goal types are displayed And the medal list updates in real time to reflect combined results
Filter Preference Persistence
Given the user has applied one or more goal type filters When the user closes and reopens the app or refreshes the page Then the previously selected filters are automatically reapplied And the user sees the same filtered medal view without reconfiguration
Real-Time Filter Performance
Given the user applies or clears filters When the filter selection changes Then the medal list updates within 200 milliseconds And no noticeable lag or UI freezing occurs during the update
Consistent State Across Navigation
Given the user navigates away from the Medal Vault and returns later in the same session When the user revisits the Medal Vault page Then the active goal type filters remain applied And the medal list displays results consistent with the active filters
Sort Medals by Date and Level
"As a user, I want to sort my medals by date achieved or level so that I can easily see my most recent accomplishments or identify my highest-level awards."
Description

Provide sorting options enabling users to reorder their medals chronologically (newest to oldest, oldest to newest) and by medal level (bronze, silver, gold, platinum). Sorting controls should be intuitive, placed prominently on the Medal Vault interface, and instantly reflect changes without page reloads. This enhances discoverability and helps users contextualize their progress over time.

Acceptance Criteria
Sort medals by newest to oldest date
Given the user is on the Medal Vault, when the user selects the "Newest to Oldest" sort option, then the medals are reordered from most recent to oldest date instantly without a page reload.
Sort medals by oldest to newest date
Given the user is on the Medal Vault, when the user selects the "Oldest to Newest" sort option, then the medals are reordered from oldest to most recent date instantly without a page reload.
Sort medals by level from bronze to platinum
Given the user is on the Medal Vault, when the user selects the "Bronze to Platinum" level sort option, then the medals are reordered in ascending order of level (bronze, silver, gold, platinum) instantly without a page reload.
Sort medals by level from platinum to bronze
Given the user is on the Medal Vault, when the user selects the "Platinum to Bronze" level sort option, then the medals are reordered in descending order of level (platinum, gold, silver, bronze) instantly without a page reload.
Visible and accessible sorting controls
Given the user is viewing the Medal Vault, then the sort controls for date and level are prominently displayed at the top of the interface, clearly labeled, and are clickable within two seconds of page load.
Medal Detail View
"As a user, I want to view detailed information for each medal so that I understand how I earned it and what I can do to achieve the next level."
Description

Create a detailed view that appears when a user selects a medal, displaying metadata such as achievement date, criteria met, associated investment actions, and personalized tips for future milestones. The view should include a back navigation link to the main vault and maintain visual consistency with the Nestfolio design system. This feature deepens user engagement by providing context and actionable insights behind each medal.

Acceptance Criteria
Medal Selection Navigation
Given the user is viewing the Medal Vault When the user taps on a medal Then the Medal Detail View opens displaying details for the selected medal
Display of Medal Metadata
Given the Medal Detail View is open When the view loads Then it shows the achievement date, criteria met, and associated investment actions for the medal
Presentation of Personalized Tips
Given the Medal Detail View is open and metadata is displayed When the user scrolls to the tips section Then at least two personalized tips for future milestones are visible and relevant to the medal context
Back Navigation Functionality
Given the Medal Detail View is open When the user taps the back navigation link Then the app returns to the Medal Vault with the vault state preserved
Visual Consistency with Design System
Given the Medal Detail View is open When any UI element renders Then it adheres to Nestfolio’s design tokens for typography, color, spacing, and iconography
Achievement Summary and Milestone Tracker
"As a user, I want to see a summary of my total achievements and my progress toward upcoming milestones so that I stay motivated and informed about my goals."
Description

Introduce a summary panel at the top of the Medal Vault displaying total medals earned, medal-level breakdown, and progress bars toward upcoming milestones. This panel should update dynamically as users earn new medals and integrate with Nestfolio’s notification system to highlight nearing goals. By offering a high-level overview, users gain motivation and clarity on their long-term progress.

Acceptance Criteria
New Medal Earned Updates Panel
Given a user earns a new medal, when the Medal Vault loads, then the total medals count increases by one, the medal-level breakdown updates correctly, and progress bars adjust to reflect the new totals.
Medal-Level Breakdown Display
Given a user has medals across multiple levels, when viewing the summary panel, then each medal level shows the correct count and percentage of total medals.
Progress Bar Toward Next Milestone
Given the user’s current medal count and the next milestone threshold, when the summary panel renders, then the progress bar shows the correct percentage of completion and includes a tooltip displaying the count versus threshold.
Notification Integration for Upcoming Milestones
Given the user is within 10% of achieving a milestone, when the summary panel displays, then a notification badge appears on the panel and tapping it shows details of the upcoming milestone.
Dynamic Refresh on Medal Vault Load
Given the user navigates to the Medal Vault, when the page loads, then the summary panel fetches and displays updated medal data within two seconds.
Medal Sharing and Export
"As a user, I want to share my medal achievements with others or export them to a document so that I can celebrate my progress and keep a personal record."
Description

Enable users to share individual medals or their entire medal collection via social media, email, or messaging apps, as well as export a PDF summary to download. Implement shareable links and leverage native OS sharing APIs for a seamless experience. Ensure exported content maintains brand styling and includes medal visuals, dates, and descriptions to showcase achievements externally.

Acceptance Criteria
Share Individual Medal via Social Media
Given a logged-in user on the Medal Vault screen When they tap the share icon on an individual medal Then the OS native share sheet displays with pre-populated medal image, name, date, and description And the share sheet supports all installed social media and messaging apps And selecting an option successfully sends a shareable link or image
Share Full Medal Collection via Email
Given a logged-in user on the Medal Vault screen When they select "Share Collection" and choose Email Then the default mail client opens with a new email draft And the draft includes a branded header, medal visuals grid, medal names, dates, and descriptions in the email body And a shareable link to the full collection is appended And the user can send the email successfully
Export Full Medal Collection to PDF
Given a logged-in user on the Medal Vault screen When they select "Export to PDF" Then the app generates a PDF file matching brand styling guidelines And the PDF includes medal images, names, dates, descriptions, and collection summary on a cover page And the PDF is downloaded to the device's default download folder And the user receives a confirmation notification
Preview Medal Share Card Before Sharing
Given a logged-in user selects a medal and taps "Preview" When the preview loads Then a modal displays the share card with accurate medal image, name, date, and custom background And the design matches brand styling And the user can close the preview or proceed to share
Access Shared Medal Collection via Link (No Authentication)
Given a recipient taps a shared link in a browser without logging in When the link loads Then the recipient sees a public view of the medal collection And the view includes medal visuals, names, dates, and descriptions And no user data or editable options are accessible And the share link remains valid for at least 30 days

StoryShare

Automatically generates elegant, social-ready story cards for each new medal. Users can customize captions and backgrounds before sharing on platforms like Instagram or LinkedIn. This feature simplifies social bragging, amplifies community engagement, and encourages users to celebrate wins with their networks.

Requirements

Automatic Medal Detection
"As a Nestfolio user, I want the system to automatically generate a story card whenever I earn a new medal so that I can instantly share my achievement without taking extra steps."
Description

Implement a background listener that automatically detects when a user earns a new medal and triggers the story card generation process, ensuring no manual input is required to initiate card creation.

Acceptance Criteria
New Medal Earned During App Usage
Given the user is actively using Nestfolio, When the user meets the criteria for earning a new medal, Then the background listener must detect the new medal and trigger the story card generation process within 5 seconds without manual input.
New Medal Earned While App in Background
Given the app is running in the background, When the user fulfills a medal condition, Then the background listener should detect and queue the medal event and automatically generate the story card immediately upon detection, with a system notification confirming initiation.
Initial App Launch with Pending Medal
Given the user launches Nestfolio after being offline or having pending medal events, When the app initializes, Then the listener must query and detect any medals earned during downtime and automatically generate corresponding story cards without user action.
Network Connectivity Loss During Medal Detection
Given the user meets a medal criterion but the device is offline, When the network connection is lost, Then the listener must persist the detection event locally and, upon reconnection, process the event and generate the story card automatically.
Multiple Medals Earned in Quick Succession
Given the user earns multiple medals within a 10-second window, When the listener detects these medals, Then it must generate separate story cards for each medal in the order earned without duplication or delay.
Story Card Template Library
"As a user, I want to choose from a variety of stylish templates so that my story cards look professional and reflective of my brand."
Description

Provide a curated library of pre-designed, brand-consistent story card templates, covering various medal types and themes, allowing users to quickly select a layout that matches their personal style and the achievement context.

Acceptance Criteria
Selecting a Pre-Designed Template
Given the user opens the Story Card Template Library, when the user filters for a specific medal type and theme, then at least three matching templates appear sorted by relevance.
Previewing a Template
Given the user selects a template thumbnail, when the user clicks ‘Preview’, then a full-screen preview displays the template with placeholder medal, caption, and background.
Customizing Template Style
Given the user is viewing the template preview, when the user updates caption text, font style, or background color, then all changes reflect instantly and the user can reset to defaults.
Saving a Customized Template
Given the user has customized a template, when the user clicks ‘Save as Favorite’, then the template is added to the ‘Favorites’ section and persists across sessions.
Accessing Templates Under Load
When 500 users concurrently access the Template Library, then the library loads in under 2 seconds for 95% of requests and no errors occur.
Caption Customization Interface
"As a user, I want to customize the caption of my story card so that I can add my personal voice and relevant hashtags to engage my audience."
Description

Offer an intuitive caption editor within the story card creation flow, enabling users to write, format, and preview personalized messages or hashtags before sharing, enhancing the storytelling aspect of their posts.

Acceptance Criteria
Custom Caption Input
Given the user is on the caption editor, when they type text into the caption field, then the text appears in the editor and is retained for the story card.
Text Formatting Options
Given the user has entered a caption, when they apply bold, italic, or underline formatting to selected text, then the styling updates in the editor and persists in the preview.
Caption Preview Display
Given the user has written and formatted the caption, when they view the story card preview, then the caption is displayed accurately with applied formatting and stays within the card boundaries.
Hashtag Suggestions and Insertion
Given the user types a hashtag symbol (#) in the caption field, when they continue typing, then relevant hashtag suggestions appear and can be selected to autocomplete the hashtag.
Caption Reset to Default
Given the user has modified the caption, when they click the 'Reset to Default' button, then the caption reverts to the system-generated default text.
Background Customization Options
"As a user, I want to customize the background of my story card so that it matches my personal aesthetic or campaign theme."
Description

Allow users to upload their own background images or choose from a set of branded backgrounds, with real-time preview and alignment tools, ensuring each story card can be uniquely tailored.

Acceptance Criteria
Uploading a Custom Background Image
Given the user is on the background customization screen and selects the "Upload Background" option When the user uploads a valid image file (JPEG or PNG, max 5MB) Then the image is displayed in the preview area at correct aspect ratio without distortion
Selecting a Branded Background
Given the user is on the background customization screen and selects a branded background from the library When the user clicks on a branded thumbnail Then the selected background is applied instantly in the preview with no visual artifacts
Using Real-Time Alignment and Scaling Tools
Given the user has a background displayed in the preview When the user drags, zooms, or rotates the background using alignment tools Then the preview updates within 200ms reflecting the exact position, scale, and rotation changes
Handling Unsupported File Types and Oversized Uploads
Given the user attempts to upload an image with an unsupported format or exceeding 5MB When the user selects the file Then an inline error message is displayed explaining the issue and the upload is prevented
Saving and Applying Customized Background to Story Card
Given the user is satisfied with the previewed background customization When the user clicks the "Save Background" button Then the background settings are saved to the story card and persist when returning to the StoryShare editor
One-Click Social Sharing
"As a busy professional, I want to share my new medal story card directly to my social media with one click so that I can celebrate my achievements without switching between apps."
Description

Integrate with major social platforms (Instagram, LinkedIn, Twitter) via APIs to enable direct, one-click sharing of completed story cards, handling authentication and post formats automatically for a seamless experience.

Acceptance Criteria
Share to Instagram Story
Given a valid Instagram account is connected When the user taps 'Share to Instagram' Then the app uploads the generated story card image via the Instagram API and opens the native Instagram story share interface
Platform Authentication Flow
Given the user has not authenticated with a selected platform When the user initiates sharing Then the app prompts for platform credentials, completes OAuth authentication, and stores the access token securely
Custom Caption and Background Application
Given the user customizes the caption and selects a background When the user taps 'Share' Then the shared story card reflects the chosen caption text and background image exactly as previewed
Failed Share Retry
Given a network or API error occurs During the share process When the error is detected Then the app displays an error message with 'Retry' option and logs the failure for diagnostics
LinkedIn Post Format Compliance
Given the user shares a story card to LinkedIn When the share completes Then the LinkedIn post includes the image at 1200x627 resolution and displays the default or user-customized caption without truncation

Progress Pulse

Real-time visual progress bars and push notifications alert users when they reach 75%, 90%, and 99% of a goal. By spotlighting near-complete milestones, it nudges micro-investors to take timely actions and maintains engagement, driving them across the finish line and boosting confidence in their investment journey.

Requirements

Threshold Tracking Engine
"As an active micro-investor, I want the system to automatically detect when I've reached 75%, 90%, and 99% of my investment goal so that I receive timely prompts to take action."
Description

Develop a backend service that continuously monitors each user’s progress toward their defined investment goals in real time, identifies when they reach or surpass the 75%, 90%, and 99% milestones, and emits standardized events for downstream components to consume.

Acceptance Criteria
75% Milestone Detection
Given a user’s progress toward a defined investment goal reaches at least 75% of the target amount; When the Threshold Tracking Engine processes the user’s account updates; Then it must emit a standardized event with type "goal.milestone.reached", payload including user_id, goal_id, milestone:75, and timestamp within 1 second of detection
90% Milestone Detection
Given a user’s progress toward a defined investment goal reaches at least 90% of the target amount; When the Threshold Tracking Engine processes the user’s account updates; Then it must emit a standardized event with type "goal.milestone.reached", payload including user_id, goal_id, milestone:90, and timestamp within 1 second of detection
99% Milestone Detection
Given a user’s progress toward a defined investment goal reaches at least 99% of the target amount; When the Threshold Tracking Engine processes the user’s account updates; Then it must emit a standardized event with type "goal.milestone.reached", payload including user_id, goal_id, milestone:99, and timestamp within 1 second of detection
No False Positives Below Threshold
Given a user’s progress is below 75% of the defined investment goal; When the Threshold Tracking Engine processes the user’s account updates; Then it must not emit any milestone reached event for 75%, 90%, or 99%
Event Schema Conformance
Given any milestone reached event is emitted by the Threshold Tracking Engine; When the event is validated against the standardized JSON schema; Then all required fields (user_id, goal_id, milestone, timestamp) and data types must conform to the schema definition
Real-Time Processing Under Load
Given 1,000 concurrent user goal updates are streamed to the Threshold Tracking Engine; When the engine processes these updates; Then 95% of emitted milestone events must be published to the event stream within 2 seconds of receiving the update
Visual Progress Bar Component
"As a user, I want to see a clear, color-coded progress bar showing my journey toward my investment goals so that I can quickly understand how close I am to completion."
Description

Implement a dynamic, color-coded progress bar UI component that reflects the user’s current goal completion percentage with distinct segments highlighting near-milestone ranges, updating instantly as new account data syncs.

Acceptance Criteria
Initial Load of Progress Bar
Given the user has at least one active investment goal and synced account data When the user navigates to the Goals dashboard Then the progress bar renders with the correct completion percentage and corresponding color-coded segments
Real-Time Progress Update
Given new account data is synced While the user views the dashboard Then the progress bar updates instantly to reflect the new completion percentage without requiring a page refresh
Near-Milestone Segment Highlight
Given the user's goal completion reaches or exceeds 75%, 90%, or 99% When the progress percentage enters these ranges Then the corresponding segment of the progress bar changes to a distinct highlight color
Dynamic Segment Boundaries
Given the progress bar displays multiple segments When the goal completion percentage changes Then segment boundaries adjust dynamically so that each segment accurately spans its defined percentage range
Responsive and Accessible Display
Given the user views the dashboard on desktop and mobile devices When the screen size or orientation changes Then the progress bar scales appropriately and meets WCAG AA color contrast requirements
Milestone Push Notifications
"As a busy professional, I want real-time push notifications when I near my investment goal milestones so that I can stay informed without constantly checking the app."
Description

Integrate with platform-specific push notification services (iOS, Android, Web) to deliver real-time alerts when users hit 75%, 90%, and 99% of their goals, including contextual information and a direct link back to the dashboard.

Acceptance Criteria
User Reaches 75% Milestone
Given a user has an active investment goal, when their portfolio value equals or exceeds 75% of the goal target, then the system must send a push notification within 10 seconds containing the goal name, the achieved percentage (75%), current value, and a deep link to the corresponding dashboard view.
User Reaches 90% Milestone
Given a user has an active investment goal, when their portfolio value equals or exceeds 90% of the goal target, then the system must send a push notification within 10 seconds containing the goal name, the achieved percentage (90%), current value, and a deep link to the corresponding dashboard view.
User Reaches 99% Milestone
Given a user has an active investment goal, when their portfolio value equals or exceeds 99% of the goal target, then the system must send a push notification within 10 seconds containing the goal name, the achieved percentage (99%), current value, and a deep link to the corresponding dashboard view.
Notification Click Navigates to Dashboard
Given a user receives a milestone push notification, when they tap the notification, then the mobile app or web app must open and navigate directly to the detailed dashboard view of the specific investment goal within 5 seconds.
Platform-Specific Notification Delivery
Given a milestone event occurs, when dispatching the notification, then the system must use APNs for iOS devices, FCM for Android devices, and Web Push for browsers, and log the delivery status (success/failure) in the notification audit within 30 seconds.
User Customizable Milestones
"As a savvy investor, I want to set my own milestone thresholds and choose how I'm notified so that the alerts match my personal preferences."
Description

Provide settings in the user profile allowing customization of milestone thresholds (e.g., 80%, 85%) and notification preferences (e.g., email, SMS, push) to tailor alerts to individual investor strategies.

Acceptance Criteria
Custom Milestone Threshold Configuration
Given the user navigates to the Milestones section in Profile Settings When the user enters a custom threshold percentage between 50% and 100% and clicks Save Then the system persists the custom threshold and displays it in the list of milestones
Invalid Threshold Input Handling
Given the user enters a custom threshold percentage less than 50%, greater than 100%, or a non-numeric value When the user clicks Save Then the system displays a validation error message "Threshold must be a number between 50 and 100" and does not save the threshold
Notification Preferences Selection
Given the user is on the Notification Preferences page in Profile Settings When the user selects one or more notification channels (email, SMS, push) and clicks Save Then the system persists the selected channels and displays a confirmation message "Notification preferences updated successfully"
Custom Notification Triggering
Given the user has set a custom milestone threshold at 85% and enabled push notifications When the user's portfolio value reaches 85% of the goal Then the system sends a push notification to the user's device within 60 seconds
Milestone Display in Dashboard
Given the user has configured one or more custom milestone thresholds When the user views the Progress Pulse dashboard Then the dashboard displays progress bars segmented at each custom threshold and highlights the segment corresponding to the current progress
Cross-Device State Synchronization
"As a multi-device user, I want my progress and milestone notifications to sync across all my devices so that I have a consistent experience no matter where I access the app."
Description

Ensure that the user’s milestone progress and notification read status are consistently synchronized across multiple devices in real time using a centralized state store and WebSocket updates.

Acceptance Criteria
Real-Time Milestone Update Across Devices
Given a user completes a milestone on Device A, When Device A sends the updated progress via WebSocket, Then Device B updates the displayed progress bar within 2 seconds to reflect the new milestone state.
Notification Read Status Sync
Given a user reads a milestone notification on Device B, When Device B marks the notification as read in the state store, Then Device A marks the same notification as read within 2 seconds and removes any unread badge.
Offline Update Queuing and Sync
Given a user updates milestone progress while offline on any device, When the device reconnects to the network, Then all queued updates are synchronized to the centralized store and propagated to other connected devices without data loss.
Initial State Load for New Device
Given a user logs into the application on a new device, When the application establishes a WebSocket connection, Then the device receives the full current milestone progress and notification read status from the centralized store within 5 seconds of connection.
Concurrent Update Conflict Resolution
Given two devices simultaneously update the same milestone progress, When both updates are received by the centralized store, Then the system applies updates in chronological order based on server timestamps and ensures all devices reflect the final resolved state consistently.

Streak Rewards

Awards special badges for maintaining consistent investing habits—such as daily portfolio checks or weekly contributions. The longer the streak, the rarer the badge. This gamified feature cultivates disciplined investing behaviors, turning routine tracking into an engaging, habit-forming experience.

Requirements

Daily Check-In Streak Tracking
"As a daily investor, I want my consecutive daily portfolio views to be tracked so that I can build and maintain a consistent investment habit."
Description

Automatically record and maintain a count of consecutive days a user logs into Nestfolio and views their portfolio summary. This requirement ensures each daily login is captured accurately, resets appropriately upon a missed day, and integrates with existing user session data to update streak counts in real time. It provides foundational data for the gamified streak rewards feature and supports analytics on user engagement patterns.

Acceptance Criteria
Successful Daily Login and Portfolio View
Given a registered user with an active streak count When the user logs into Nestfolio and views their portfolio summary within the same calendar day Then the system increments the consecutive-day streak count by 1 and displays the updated streak on the dashboard
Streak Reset After Missed Day
Given a user with an existing streak count When the user does not log in or view their portfolio summary for one full calendar day Then the system resets the streak count to zero and notifies the user of the reset on their next login
Multiple Logins in a Single Day
Given a user who has already logged in and viewed their portfolio summary today When the user logs in again later that same day and views the portfolio summary Then the system does not increment the streak count again and maintains the count as recorded earlier
Timezone Transition Handling
Given a user traveling across time zones When the user logs in and views their portfolio summary within their local calendar day Then the system evaluates the local date to increment or reset the streak accurately without unintended resets
Real-Time Streak Update on Login
Given a user session initialized on login When the user’s session data is authenticated Then the system retrieves and updates the current streak count in real time, ensuring the dashboard reflects the correct streak before rendering the portfolio summary
Weekly Contribution Streak Tracking
"As a regular contributor, I want my weekly investments to be recognized so that I stay motivated to add funds consistently."
Description

Detect and record weekly investment contributions made by users, maintaining a count of consecutive weeks with at least one deposit to any linked investment account. This involves integrating with transaction syncing modules to verify deposits, updating streak counts at weekly intervals, and handling edge cases such as differing time zones and account sync delays. This data drives the habit-forming gamification mechanism and supports badge eligibility verification.

Acceptance Criteria
Initial Weekly Contribution Detection
Given a user has no existing weekly deposits recorded When the user makes a deposit to any linked account within the current weekly interval Then the system records the contribution and sets the weekly streak count to 1
Weekly Streak Continuation on Consecutive Deposits
Given a user has an active streak of N consecutive weeks When the user makes at least one deposit to any linked account during the next weekly interval Then the system increments the streak count to N+1
Streak Reset After Missed Weekly Deposit
Given a user has an active streak of N weeks When no deposit is detected in any linked account during a weekly interval Then the system resets the weekly streak count to 0
Time Zone Boundary Handling
Given a user with a designated local time zone close to the weekly interval boundary When the user makes a deposit near the transition between two weeks Then the system uses the user’s local time to determine week membership and correctly assigns the deposit to the intended week
Delayed Transaction Sync Inclusion
Given a deposit transaction occurs before the weekly cutoff but syncs after the weekly evaluation When the delayed transaction syncs within 24 hours after the cutoff Then the system retroactively includes the deposit in the correct week and updates the streak count accordingly
Multiple Linked Accounts Consolidation
Given a user has multiple linked investment accounts When the user makes deposits in multiple accounts within the same weekly interval Then the system counts only one contribution for streak purposes and increments the weekly streak count by one
Badge Generation and Assignment
"As an engaged user, I want to earn badges when I hit streak milestones so that I feel rewarded for my disciplined behavior."
Description

Implement a badge engine that evaluates users' streak data against predefined thresholds to generate and assign badges of varying rarity. The engine should support customizable badge tiers (e.g., bronze, silver, gold), assign badges when users reach milestones (e.g., 7-day streak, 30-day streak), and log badge assignments in the user profile. It must interface with the streak tracking modules and badge catalog, ensuring consistent management of badge metadata such as name, icon, and rarity level.

Acceptance Criteria
First 7-Day Streak Achievement
Given a user has performed portfolio checks for six consecutive days, when they perform a portfolio check on the seventh day, then the engine assigns the ‘7-Day Streak’ Bronze badge to the user’s profile within five seconds and logs the assignment event.
Gold Tier Badge Assignment for 30-Day Streak
Given a user has completed portfolio checks for thirty consecutive days, when the daily streak evaluation runs, then the engine assigns the ‘30-Day Streak’ Gold badge, updates the user’s badge catalog, and displays the correct rarity indicator.
Badge Metadata Integration with User Profile
When any badge is assigned to a user, then the badge’s name, icon URL, and rarity level are persisted in the user profile and rendered accurately in the dashboard’s badge section.
Custom Badge Tier Application
Given an administrator updates badge thresholds in the badge catalog, when the badge engine retrieves the catalog, then the engine applies the new thresholds dynamically and generates badges according to the updated tiers without code changes.
Prevent Duplicate Badge Assignments
Given a user already possesses a specific badge, when the engine processes current streak milestones, then it does not assign the same badge again and logs that the badge was skipped due to existing assignment.
Badge Showcase Dashboard
"As a user, I want to see all my badges in one place with progress indicators so that I can track my achievements and upcoming goals."
Description

Add a dedicated section within the Nestfolio dashboard where users can view earned badges, track upcoming badge milestones, and see progress bars toward next rewards. This section must present badges in a visually appealing format, display badge details such as name, date earned, and streak length, and provide contextual tips to encourage continued engagement. The dashboard component should integrate with user profile data and adhere to established UI/UX guidelines for consistency.

Acceptance Criteria
Earned Badges Display
Given a user with one or more earned badges, when they open the Badge Showcase Dashboard, then all earned badges must be displayed in a grid layout showing each badge’s icon, name, date earned, and streak length.
Upcoming Badge Milestones
Given a user’s current investing streak, when they view the Badge Showcase Dashboard, then the next three upcoming badge milestones must be listed with required streak lengths and progress indicators.
Progress Bar Visualization
Given the user’s progress toward the next badge, when they view the progress bar, then it must accurately reflect the percentage of streak days completed and update in real time after each qualifying investment action.
Badge Detail Tooltips
Given a user hovers or taps on a badge, when the tooltip is triggered, then it must display the badge’s description, criteria for earning, and a contextual tip to maintain streaks.
UI/UX Consistency
Given the Badge Showcase Dashboard is rendered within the Nestfolio app, when compared to existing UI guidelines, then all fonts, colors, spacing, and interactive elements must match the established design system.
Streak Notification System
"As a user, I want timely reminders to maintain my streaks and notifications when I earn a badge so that I stay informed and motivated."
Description

Develop a notification service to proactively remind users to maintain their streaks and celebrate milestone achievements. This service should send push notifications, emails, or in-app messages based on user preferences, trigger reminders for pending daily check-ins or weekly contributions, and announce new badge awards. It must integrate with the existing notification infrastructure, support scheduling rules (e.g., send reminders at 6 PM local time), and allow users to customize notification frequency.

Acceptance Criteria
Daily Check-In Reminder at 6 PM
Given a user has enabled daily check-in reminders and has not performed a portfolio check by 6 PM local time, When the local time reaches 6 PM, Then the system sends a single reminder notification via the user's preferred channel with a clear call-to-action to perform the daily check-in, and no reminder is sent if the user has already checked in.
Weekly Contribution Reminder Trigger
Given a user has enabled weekly contribution reminders and has not made a portfolio contribution by Sunday at 6 PM local time, When the local time reaches Sunday at 6 PM, Then the system sends a weekly contribution reminder via the user's preferred channel, and no duplicate reminders are sent if the contribution requirement is met.
Milestone Badge Achievement Notification
When a user achieves a streak milestone (e.g., 7 consecutive days of portfolio checks or 4 weekly contributions), Then the system sends a badge award notification within 5 minutes of the milestone being reached via the user's preferred channel, including the badge name, milestone description, and congratulations message.
Notification Channel Preference Enforcement
Given a user has selected specific notification channels (push, email, in-app) in their preferences, When the system issues any reminder or badge notification, Then notifications are sent only via the channels enabled in the user's settings and suppressed on all others.
Custom Notification Schedule Application
Given a user updates their notification schedule (time or frequency) in settings, When the user saves their preferences, Then the system updates the scheduling rules and triggers future reminders at the newly specified times without requiring a restart or additional configuration.

Crest Customizer

Allows users to personalize medal designs by choosing colors, icons, and names. Once customized, medals reflect personal style and can be proudly displayed in the Medal Vault or social shares. This customization deepens emotional attachment to achievements and makes each milestone uniquely memorable.

Requirements

Color Palette Selection
"As a user, I want to select specific colors for my medal design so that it matches my personal style and stands out."
Description

Enable users to choose medal colors using a predefined palette and a custom color picker. This requirement integrates with the design engine to apply selected colors in real time, ensures accessible contrast ratios, and saves users’ preferences to their profiles for future use.

Acceptance Criteria
Predefined Palette Selection
Given the user views the predefined color palette, when the user selects a color swatch, then the medal preview updates instantly to reflect the chosen color.
Custom Color Picker Usage
Given the user opens the custom color picker, when the user enters a hex code or adjusts the picker controls, then the medal preview updates in real time to the selected custom color.
Accessibility Contrast Verification
Given a color is selected (predefined or custom), then the selected color combination with the medal background must meet WCAG 2.1 AA contrast ratio standards of at least 4.5:1.
Preference Persistence Across Sessions
Given a user selects and saves a color, when they log out and log back in, then their previously selected color is applied to the medal by default in the Crest Customizer.
Invalid Color Input Handling
Given the user inputs an invalid hex code in the custom picker, then the system displays a validation error message and prevents the invalid color from being applied.
Icon Library Integration
"As a user, I want to choose an icon from a library so that my medal reflects the achievement it represents."
Description

Allow users to browse, search, and select icons from a curated library for the medal centerpiece. This requirement connects to the asset management system, supports SVG and PNG formats, optimizes loading performance, and ensures all icons comply with licensing requirements.

Acceptance Criteria
Icon Library Browsing Experience
Given a user opens the Icon Library page When the library loads Then icons are displayed in a responsive grid with at least 20 icons per page and lazy loading for additional icons
Icon Search Functionality
Given a user enters a search term in the icon search bar When the user submits the search Then matching icons are returned sorted by relevance within 2 seconds and keywords in icon metadata are highlighted
Icon Selection and Preview
Given a user clicks on an icon in the library When the icon is selected Then a preview modal displays the icon at 2× and 4× scale with format toggle options (SVG/PNG)
Format Support Handling
Given an icon is available in both SVG and PNG When the user downloads or applies the icon Then the selected format (SVG or PNG) is exported without loss of quality or color data
Licensing Compliance Validation
Given a user selects an icon for use When the icon is applied to a medal design Then the system verifies and logs the icon’s license compliance status and prevents use if the license is invalid
Performance and Loading Time
Given a user interacts with browsing, searching, or selecting icons When actions are performed Then all interactions respond within 2 seconds under a simulated library size of 1,000 icons
Custom Text Input
"As a user, I want to add custom text to my medal so that it conveys the specific accomplishment I achieved."
Description

Provide input fields for users to enter a medal name and optional tagline, enforce character limits, and offer a selection of fonts and text styles. Text inputs should render instantly in the preview and store entered values for editing and reuse.

Acceptance Criteria
Entering valid medal name and optional tagline
Given the user enters a medal name of up to 20 characters and an optional tagline of up to 40 characters, When the user confirms the input, Then the system accepts all characters and displays the correct name and tagline in the preview.
Exceeded character limit on text fields
Given the user attempts to type beyond the 20-character limit for the name or 40-character limit for the tagline, When additional input is entered, Then the system prevents further characters and shows a clear validation message.
Selecting font and style options
Given the user chooses a font or text style from the available selections, When the choice is made, Then the preview updates immediately to reflect the selected font and style.
Real-time preview update
Given the user modifies text content or style options, When a change is made, Then the preview pane updates within 200 milliseconds to reflect the new text or styling.
Persistent storage and reuse of text inputs
Given the user closes and later reopens the Customizer, When the user accesses the name and tagline fields, Then the previously entered text and selected styles are pre-populated for editing or reuse.
Live Preview
"As a user, I want to see a live preview of my medal design so that I can make adjustments before finalizing."
Description

Render a real-time visual preview of the customized medal reflecting changes to colors, icons, and text. This requirement ensures the preview updates instantly with every modification, maintains design proportions, and supports zoom and rotation controls.

Acceptance Criteria
Real-Time Color Update Preview
Given the user selects a new color option for the medal base, when the color is chosen, then the live preview must update within 200ms reflecting the new color while maintaining the original design proportions.
Icon Selection Reflection
Given the user picks an icon from the icon library, when the user confirms the selection, then the preview must instantly replace the previous icon with the chosen one at the correct position and scale.
Text Customization Update
Given the user edits the medal text field, when the user types or modifies the text and applies changes, then the preview must display the updated text in the selected font and style without distortion.
Zoom Control Functionality
Given the user activates the zoom control, when the user clicks zoom in or zoom out, then the preview must smoothly scale the medal graphic between 50% and 200% without losing image quality.
Rotation Control Functionality
Given the user uses the rotation slider, when the user rotates the medal, then the preview must rotate the design in real time up to 360 degrees while preserving design proportions.
Save and Edit Presets
"As a user, I want to save my custom designs as presets so that I can quickly reuse or tweak them later."
Description

Enable users to save their custom medal designs as reusable presets. Users can name, retrieve, modify, or delete saved presets from their account. This requirement integrates with user storage services and provides versioning support for edits.

Acceptance Criteria
Creating a New Preset
Given a user has customized a medal design and enters a unique preset name, when they click “Save Preset,” then the system stores the preset with all design attributes and displays a success notification.
Retrieving an Existing Preset
Given a user is on the Presets library, when they select a saved preset by name, then the system loads the associated design attributes into the customizer for further editing or use.
Modifying a Saved Preset
Given a user has loaded an existing preset into the customizer, when they change design attributes and click “Save Preset,” then the system creates a new version entry and updates the version history without overwriting the original preset.
Deleting an Existing Preset
Given a user views their list of saved presets, when they choose to delete a preset and confirm the action, then the system removes the preset from their account, updates the list, and displays a deletion confirmation.
Versioning Support for Edited Presets
Given a user has multiple versions of a preset, when they view version history, then the system lists all versions with timestamps and allows users to restore any previous version into the customizer.
Social Share Export
"As a user, I want to export and share my medal design on social media so that I can showcase my achievements."
Description

Allow users to export their customized medals as high-resolution image files and shareable links for social media. This requirement generates optimized PNG or JPEG assets, embeds metadata, and provides one-click share buttons for popular platforms.

Acceptance Criteria
Export High-Resolution Medal Image
Given a user has customized a medal, when they click the export button, then the system generates a PNG or JPEG image with a minimum resolution of 1080x1080 pixels without any pixelation or aspect ratio distortion.
Generate Shareable Link
Given a user completes an export, when the image file is generated, then the system provides a unique, publicly accessible URL link that opens the image in a web browser without requiring authentication.
Embed Metadata in Image Files
Given a user exports a medal image, when the image file is downloaded, then the file’s metadata includes the medal name, user ID, export date, and platform source in standard EXIF or XMP fields.
One-Click Social Media Sharing
Given a user views the export options, when they click the Facebook, Twitter, or Instagram share button, then a new post draft opens on the selected platform with the image attached and default caption text populated.
Download Confirmation and Integrity Check
Given a user initiates an export, when the download completes, then the system displays a confirmation message and verifies via checksum that the downloaded file matches the generated asset.
Medal Vault Display
"As a user, I want to view and organize all my custom medals in a vault so that I can easily find and revisit my achievements."
Description

Display all customized medals in the user’s Medal Vault dashboard, including thumbnail view, metadata (date created, name, tags), and filtering/sorting options. This requirement interfaces with the vault database, ensures quick loading, and supports pagination.

Acceptance Criteria
Viewing Medal Vault Overview
All customized medals appear as thumbnail cards in the Medal Vault, each displaying the medal image, name, creation date, and associated tags, loaded within 2 seconds of vault access.
Filtering Medals by Creation Date
When the user selects a date range filter, only medals with creation dates within the specified range are displayed, and the filter operation completes within 1 second.
Sorting Medals by Name Alphabetically
Upon choosing sort by name, medals are ordered alphabetically (A-Z or Z-A) correctly according to their names, and the sorted list refreshes within 1 second.
Paginating Medal Thumbnails
The Medal Vault displays a maximum of 20 medals per page, with Next and Previous controls enabling navigation between pages without reloading the entire page, and page transitions occur within 1 second.
Loading Medal Metadata on Demand
When a user hovers over or clicks a medal thumbnail, detailed metadata (full description, creation date, tags) loads dynamically in an overlay or tooltip within 500 milliseconds.

TrendPulse Gauge

Displays a dynamic meter for each asset’s community sentiment score, updating in real time to help users quickly gauge market mood and decide which positions to research or adjust.

Requirements

Sentiment Data Aggregation
"As an investor, I want to access aggregated community sentiment data across sources so that I can quickly assess market mood without manually searching multiple platforms."
Description

Integrate with multiple social media platforms, news outlets, and sentiment analysis services via APIs to collect community sentiment data for each asset in real time. The system normalizes incoming data streams, handles rate limits, and ensures data reliability and completeness to power the TrendPulse Gauge.

Acceptance Criteria
API Integration Stability
Given valid API credentials for each configured sentiment source, when the aggregation service runs continuously over a 24-hour period, then it must successfully retrieve sentiment data for at least 95% of API calls without errors or timeouts.
Data Normalization Consistency
When raw sentiment values arrive from multiple providers with varying scales, then the system must normalize each value into a unified -1 to +1 scale and store it correctly in the sentiment database with no discrepancies.
Rate Limit Handling
Given a configured API rate limit for a source, when the number of requests approaches the limit, then the system must exponentially back off new requests, queue pending calls, and resume fetching data immediately after the limit window resets, ensuring no data is lost.
Data Completeness Verification
Every 15 minutes, when the aggregation job runs, then for each tracked asset the system must confirm receipt of sentiment data from 100% of active sources or generate an automated missing-data alert within 5 minutes of detection.
Real-Time Update Performance
When new sentiment data is ingested, then from ingestion to TrendPulse Gauge update, the end-to-end latency must not exceed 60 seconds for at least 90% of asset updates during peak load.
Sentiment Score Normalization
"As a user, I want sentiment scores to be normalized across different sources so that I can trust the gauge's accuracy regardless of the data origin."
Description

Implement a normalization engine that standardizes sentiment scores from diverse sources into a unified scale. The engine applies weightings based on source credibility, filters out noise, and calibrates scores to ensure consistency and comparability across assets.

Acceptance Criteria
Raw Data Ingestion Validation
Given raw sentiment scores from multiple JSON and XML sources, when the normalization engine ingests the data, then all source records are stored with original timestamp and source identifier with 100% completeness and no data loss.
Source Credibility Weight Application
Given each source’s credibility rating, when the engine normalizes incoming sentiment scores, then it applies the correct weight multiplier for each source and logs the applied weight per record.
Noise Filtering Process
Given incoming sentiment data containing outliers beyond three standard deviations, when the noise filter module runs, then all outlier scores are flagged, excluded from further processing, and recorded in the filter audit log.
Scale Calibration Consistency
Given the set of weighted and filtered sentiment scores, when the calibration module executes, then it scales all scores into the unified 0–100 range with no values outside these bounds and preserves the relative ranking of asset sentiment.
Real-Time Update Accuracy
Given new sentiment updates arriving every minute, when the normalization completes, then the TrendPulse Gauge displays the refreshed scores within five seconds and ensures no displayed score is older than two minutes.
Real-time Gauge Visualization
"As a micro-investor, I want to see a live updating sentiment meter for each asset so that I can instantly gauge market mood at a glance."
Description

Develop a dynamic gauge component in the dashboard UI that updates in real time to reflect the current sentiment score for each asset. The gauge uses color gradients and animations to convey sentiment intensity and refreshes smoothly as new data arrives.

Acceptance Criteria
Initial Gauge Load Scenario
Given the dashboard UI is opened with sentiment data available When the real-time gauge component initializes Then the gauge displays the correct initial sentiment score with the appropriate needle position and color gradient
Continuous Data Update Scenario
Given the sentiment score updates every second When new data arrives Then the gauge needle animates smoothly to the new position within 500ms without visual flicker
Color Gradient Accuracy Scenario
Given defined sentiment intensity thresholds When the sentiment score crosses a threshold Then the gauge’s background gradient updates to the corresponding color range accurately
Asset Switch Scenario
Given the user selects a different asset from the list When the gauge component reloads Then it resets and animates to the selected asset’s current sentiment score within one second
Data Staleness Indicator Scenario
Given the sentiment data feed fails or no new data is received for over five seconds When data is stale Then the gauge displays a gray overlay indicator and logs an error state for user awareness
Custom Alert Thresholds
"As a proactive investor, I want to set alerts for sentiment spikes or drops so that I can timely research or adjust my positions."
Description

Allow users to define custom sentiment score thresholds to trigger alerts. When an asset’s sentiment crosses a user-set boundary, the system sends notifications via in-app alerts, push notifications, or email, empowering users to react promptly to significant mood shifts.

Acceptance Criteria
Defining In-App Alert Threshold
Given the user is on the asset’s alert settings page and sets a sentiment threshold at 0.7 for in-app alerts, when the asset’s community sentiment score crosses below 0.7, then an in-app notification is displayed to the user within one minute.
Configuring Push Notification Threshold
Given the user has enabled push notifications and specifies an upper sentiment threshold of 0.85, when the asset’s community sentiment score rises above 0.85, then a push notification is delivered to the user’s device within two minutes.
Configuring Email Alert Threshold
Given the user has opted into email alerts and sets a lower sentiment threshold at 0.4, when the asset’s community sentiment score falls below 0.4, then an automated email is sent to the user’s registered address within five minutes.
Editing Existing Alert Thresholds
Given the user navigates to existing thresholds for an asset and updates the sentiment value, when the user saves the changes, then the system replaces the previous threshold and subsequent alerts are based on the new value.
Disabling Alert Notifications
Given the user toggles off all alert notifications for a specific asset, when the change is confirmed, then no in-app, push, or email alerts are sent for that asset even if its sentiment crosses any previous thresholds.
Historical Sentiment Trend Chart
"As a strategic investor, I want to view past sentiment trends so that I can identify patterns and make informed decisions based on historical market mood."
Description

Provide an interactive chart displaying historical sentiment trends over selectable time ranges. Users can visualize sentiment fluctuations, zoom into specific periods, and compare trends across assets to inform long-term investment decisions.

Acceptance Criteria
Initial Load of Sentiment Chart
Given the user navigates to the Historical Sentiment Trend Chart page When the chart loads with default settings (last 30 days, single asset selected) Then the chart displays a line graph of sentiment scores over the last 30 days And the axes are correctly labeled (Time on X-axis, Sentiment Score on Y-axis) And a loading indicator is shown until data is fully rendered And an error message appears if data cannot be loaded successfully.
Custom Time Range Selection
Given the user selects a custom start and end date in the time-range picker When the user applies the selection Then the chart updates to show sentiment data only within the specified range And the X-axis rescales to the selected dates And the selected start and end dates are displayed above the chart.
Zoom Into Specific Period
Given the user clicks and drags to select a portion of the chart area When the user releases the mouse or touch gesture Then the chart zooms into the selected timeframe And the user can pan horizontally within the zoomed view And a “Reset Zoom” control appears to return to the full default range.
Compare Multiple Assets
Given the user selects two or more assets from the asset selection dropdown When the selection is confirmed Then the chart overlays each asset’s sentiment trend in distinct colors And a legend lists each asset with its corresponding color And clicking an asset in the legend toggles its visibility on the chart.
View Data Point Details
Given the user hovers over or taps on any data point in the chart When the tooltip is triggered Then the tooltip displays the date, sentiment score, and asset name And includes any available context such as discussion volume And remains visible until the pointer moves away or the tap is cleared.
Responsive Chart Rendering
Given the user resizes the browser window or views the chart on a mobile device When the chart container dimensions change Then the chart dynamically adjusts its width and height to fit without distortion And axis labels, legends, and tooltips remain legible and functional And interactive features like zoom and tooltip continue to work correctly.

HeatTrend Map

Overlays a color-coded heatmap of your dashboard, highlighting the most talked-about assets among peers so you can instantly spot trending investment opportunities at a glance.

Requirements

Peer Trending Aggregator
"As an investor, I want the platform to aggregate peer discussion data so that I can see which assets are trending among my peers quickly."
Description

Collect and aggregate discussion volume data from multiple peer networks, social media, and platform forums to identify which assets are most talked about. Integrate with existing account sync APIs to fetch relevant metadata, normalize message frequencies, and compute a trending score. Feed the output data into the HeatTrend Map component to enable seamless display of peer-driven market sentiment within the dashboard.

Acceptance Criteria
Data Aggregation from Peer Networks
Given the user has linked at least two peer network accounts, when the Peer Trending Aggregator runs, then it fetches discussion volume data from all linked networks within 60 seconds and stores aggregated counts with no missing entries.
Trending Score Calculation
Given normalized message frequencies for each asset, when the trending algorithm executes, then it computes a trending score between 0 and 100 for each asset and ranks them in descending order without errors.
HeatTrend Map Rendering
Given a list of assets with trending scores, when the HeatTrend Map component loads, then it displays color-coded overlays for the top five trending assets, matching the score color scale legend.
Account Metadata Normalization
Given account sync API responses, when metadata is fetched for each asset, then the system normalizes and validates fields (ticker, name, exchange) against the asset schema with zero schema violations.
Real-time Update Scheduling
Given the dashboard is active, when one hour has elapsed since the last update, then the Peer Trending Aggregator automatically fetches new data and refreshes the HeatTrend Map without manual reload.
Color-Coded Heatmap Overlay
"As a user, I want a color-coded overlay highlighting trending assets so that I can instantly spot investment opportunities at a glance."
Description

Implement an interactive heatmap overlay on the main dashboard where each asset tile or chart region is color-coded based on its trending score, using a gradient scale to indicate low through high interest. Support hover interactions to display exact trending metrics. Ensure seamless integration with existing UI frameworks for consistent styling and optimal performance.

Acceptance Criteria
Heatmap Overlay Display
Given the user opens the dashboard, When the heatmap overlay is enabled, Then each asset tile is color-coded on a continuous gradient scale reflecting its trending score from low (blue) to high (red) without visual overlap or distortion.
Hover to View Trending Metrics
Given the user hovers over an asset tile within the heatmap, When the hover interaction is detected, Then a tooltip displays the exact trending score, percentage change, and peer ranking for that asset.
Gradient Scale Accuracy
Given the trending score data for assets, When the overlay renders, Then the mapping between score values and gradient colors matches the defined thresholds (0–20: blue, 21–40: green, 41–60: yellow, 61–80: orange, 81–100: red) with no discrepancies.
Performance Under Data Load
Given up to 200 asset tiles loaded on the dashboard, When the heatmap overlay is applied, Then the rendering and hover interactions complete within 100ms and do not degrade overall UI responsiveness.
UI Style Consistency
Given the existing dashboard UI framework, When the heatmap overlay is integrated, Then all heatmap elements (colors, tooltips, typography) adhere to the global style guide and component library specifications.
Real-Time Trend Update Scheduler
"As an active trader, I want the HeatTrend Map to update in real time so that I receive the latest trending information without manual refreshes."
Description

Define a background service that recalculates trending scores at configurable intervals, enabling real-time or near real-time updates. Utilize scalable scheduling infrastructure to trigger data ingestion, analytics processing, and HeatTrend Map refreshes every set period. Implement error handling and retry mechanisms to maintain data consistency without impacting dashboard responsiveness.

Acceptance Criteria
Scheduler Interval Configuration
Given the administrator sets the update interval to every 15 minutes, when the configuration is saved, then the background service triggers data ingestion and trending score recalculation every 15 minutes within a 5-second margin.
Trending Score Recalculation
Given new market data is available, when the scheduler job runs, then trending scores for all assets are recalculated and stored in the cache without errors.
HeatTrend Map Refresh
Given updated trending scores, when the user opens or refreshes the dashboard, then the HeatTrend Map displays the latest scores within 10 seconds without requiring a full page reload.
Error Handling and Retry Mechanism
Given a data ingestion or processing failure, when the scheduler job encounters an error, then it retries the operation up to 3 times with exponential backoff and logs each retry attempt.
Scalability Under Load
Given the platform processes 1000 assets and supports 1000 concurrent users, when the scheduler runs, then the system maintains dashboard data refresh latency under 200ms and completes updates within the configured interval without failures.
Filterable Trend Parameters
"As a power user, I want to filter trending assets by time frame and asset type so that I can focus on the most relevant opportunities for my strategy."
Description

Allow users to customize the HeatTrend Map by selecting filters such as asset class (stocks, ETFs, crypto), time window (24h, 7d, 30d), and peer group segments. Provide multi-select controls that dynamically adjust data queries driving the heatmap. Ensure immediate visualization updates based on selected filters to deliver tailored trend insights.

Acceptance Criteria
Asset Class Filter Selection
Given the user is viewing the HeatTrend Map, when the user selects or deselects one or more asset classes (stocks, ETFs, crypto) in the asset class filter, then the heatmap updates within 2 seconds to only display assets matching the selected classes.
Time Window Adjustment
Given the user is viewing the HeatTrend Map, when the user selects a time window option (24h, 7d, or 30d), then the heatmap recalculates trend data and updates the visualization within 2 seconds to reflect trends over the chosen period.
Peer Group Segmentation Filter
Given the user is viewing the HeatTrend Map, when the user selects a peer group segment (e.g., age group, portfolio size) in the peer group filter, then the heatmap updates within 2 seconds to show trend intensities based on the selected peer group data.
Combined Multi-Filter Application
Given the user is viewing the HeatTrend Map, when the user applies multiple filters across asset class, time window, and peer group simultaneously, then the heatmap updates within 3 seconds to accurately reflect the combined filter criteria without performance degradation.
Empty or No Matching Data Handling
Given the user applies filter combinations that yield no matching trending assets, then the system displays an informative message "No trending assets match your filters" and retains filter selections without errors.
Responsive HeatTrend UI
"As a mobile investor, I want the HeatTrend Map to be responsive and accessible so that I can analyze trending assets on any device."
Description

Ensure the HeatTrend Map is fully responsive and accessible across desktop and mobile devices. Adapt layout, touch interactions, and rendering resolution to maintain usability on varying screen sizes. Comply with accessibility standards, including color contrast guidelines and ARIA labels for screen readers, to serve all users.

Acceptance Criteria
Desktop HeatTrend Map Rendering
Given the user is on a desktop browser with viewport width ≥ 1200px, when the HeatTrend Map loads, then all map regions are fully visible without horizontal scrolling and maintain high-resolution rendering.
Mobile Portrait Responsiveness
Given the user accesses the HeatTrend Map on a mobile device in portrait orientation, when the screen width is ≤ 480px, then the map layout adjusts to a single-column view and all key elements remain legible and interactive.
Mobile Touch Interaction
Given the user touches any region of the HeatTrend Map on a touch-enabled device, when tapping or swiping, then the map responds with no delay, triggering tooltips on tap and allowing smooth swipe panning and zooming.
Accessibility Color Contrast Compliance
Given the HeatTrend Map is displayed, when evaluated against WCAG 2.1 AA, then all color-coded overlays meet a minimum contrast ratio of 4.5:1 for normal text and map elements.
Screen Reader ARIA Support
Given a user is navigating with a screen reader, when focusing on HeatTrend Map regions, then each region announces its asset name, trend intensity, and value change via ARIA labels.

Sentiment Alerts

Sends customizable push and email notifications when an asset’s community sentiment crosses your defined thresholds, ensuring you never miss early signals of shifting market enthusiasm.

Requirements

Threshold Configuration Interface
"As an investor, I want to set custom sentiment threshold values for my assets so that I only receive alerts that match my risk tolerance and investment strategy."
Description

Provide a user-friendly interface within the settings panel that allows users to define custom sentiment thresholds for each tracked asset. The interface should support both community sentiment metrics and time-based conditions, enabling users to set upper and lower bounds. Changes should be saved instantly and persist across sessions. Integration with existing settings modules is required to maintain consistency in UX and data storage.

Acceptance Criteria
Initial Threshold Setup for New Asset
Given a user selects an asset not previously configured, when they enter upper and lower sentiment thresholds and click Save, then the thresholds are stored successfully without validation errors and the interface displays the new values.
Editing Existing Sentiment Threshold
Given a user views an asset with existing thresholds, when they modify the upper or lower bounds and click Save, then the new values replace the old ones instantly and no residual data remains.
Persistence Across User Sessions
Given a user has configured thresholds for multiple assets, when they log out and log back in, then all previously set thresholds are loaded correctly in the settings interface.
Preventing Invalid Threshold Values
Given a user enters a lower bound that exceeds the upper bound or values outside 0–100%, when they attempt to save, then the system prevents the save, highlights the error fields, and displays a clear validation message.
Triggering Notifications Based on Thresholds
Given an asset’s community sentiment crosses a user-defined threshold, when the monitoring service detects the change, then a push and email notification are sent within one minute to the user with asset name, threshold type, and current sentiment value.
Real-time Sentiment Monitoring
"As a system, I want to monitor asset sentiment in real time so that users receive timely alerts when sentiment crosses important thresholds."
Description

Continuously fetch and analyze sentiment data for all user-tracked assets from integrated third-party APIs. Implement a polling mechanism or a websocket connection to receive updates at configurable intervals (e.g., every 5 minutes). Ensure data freshness and handle API rate limits and failures gracefully, with retry logic and fallbacks.

Acceptance Criteria
Polling Interval Configuration
Given a user sets the sentiment fetch interval to 5 minutes When the system polls the third-party API Then new sentiment data is retrieved every 5 minutes within a ±30 second tolerance
Websocket Connection Establishment
Given the API supports websockets When the user enables real-time mode Then a persistent connection is established and maintained with less than 5 reconnect attempts per hour
Sentiment Data Freshness
Given sentiment data is fetched or received When displayed in the dashboard Then the timestamp is no older than the configured interval of 5 minutes
API Failure and Retry Handling
Given a sentiment data request fails Then the system retries up to 3 times with exponential backoff and logs each failure; if all retries fail an email alert is sent
Rate Limit Handling and Fallback
Given the API rate limit is reached When further requests are blocked Then the system switches to a cached data fallback until limits reset and notifies the user of degraded freshness
Notification Dispatch Service
"As the application, I want to evaluate sentiment updates and dispatch notifications automatically so that users are alerted immediately when conditions are met."
Description

Develop a backend service responsible for evaluating incoming sentiment data against user-defined thresholds and queuing notification events. The service must support scheduling, deduplication, and prioritization of alerts. It should integrate with push notification gateways and email providers, formatting messages with asset details, current sentiment value, and threshold information.

Acceptance Criteria
Threshold Breach Push Notification
Given a user-defined sentiment threshold for an asset, when incoming sentiment data crosses this threshold, then the service queues a push notification event containing the asset name, current sentiment value, threshold breached, and timestamp.
Duplicate Alert Suppression
Given multiple sentiment data updates crossing the same threshold within a 15-minute window, when processing these updates, then the service sends only one notification and suppresses duplicates until the window expires.
Email Fallback on Push Failure
Given a push notification gateway returns a delivery failure, when the service detects the failure, then it automatically queues an email notification with identical content and marks the push event as retried.
Priority Handling of Critical Alerts
Given multiple alerts are queued simultaneously, when one alert’s severity is marked as 'critical', then the service processes and dispatches the critical alert before any non-critical alerts in the queue.
Scheduled Daily Summary Notification
Given the daily summary schedule, when 6:00 AM UTC is reached, then the service compiles all sentiment alerts from the previous 24 hours into a single email and queues it for dispatch to each user subscribed to daily summaries.
Multi-channel Notification Support
"As a user, I want to receive sentiment alerts through my preferred channels (push or email) so that I can stay informed on the go or via my inbox."
Description

Implement support for delivering alerts via multiple channels including iOS push, Android push, and email. Provide templating for each channel to ensure consistent formatting and branding. Enable users to opt in or out of each channel independently. Ensure reliable delivery with monitoring and retry mechanisms for failed notifications.

Acceptance Criteria
Email Opt-In Notification Delivery
Given a user has enabled email notifications for sentiment alerts and set a threshold for a specific asset, when the asset’s sentiment crosses the threshold, then an email is sent to the user’s registered address within 2 minutes, containing the asset name, current sentiment score, timestamp, and consistent Nestfolio branding.
Android Push Opt-Out Behavior
Given a user has disabled Android push notifications for sentiment alerts, when an asset’s sentiment crosses the user-defined threshold, then no push notification is delivered to the user’s Android device, while notifications continue for any other channels the user remains opted into.
Cross-Channel Template Consistency
For each sentiment alert event, the notification templates for iOS push, Android push, and email must include identical placeholders for asset name, sentiment value, date/time, and Nestfolio logo, and when rendered, must match the approved design mockups for font, color palette, and logo placement.
Monitoring and Retry Mechanism
When a notification fails to send (due to network error, service timeout, or invalid endpoint), the system logs the failure, retries delivery up to three times with exponential backoff intervals (1min, 2min, 4min), and updates the monitoring dashboard with the final delivery status.
iOS Push Notification Delivery
Given a user has enabled iOS push notifications and granted permissions, when an asset’s community sentiment crosses the user’s threshold, then a push notification is delivered to their iOS device within 1 minute, displays the correct title, body text, and deep link to the asset details in the Nestfolio app.
Sentiment Alert History
"As an investor, I want to review my past sentiment alerts so that I can track how my thresholds and market sentiment have evolved over time."
Description

Maintain a log of all sentiment alerts triggered for each user, including timestamp, asset, sentiment value, threshold level, and delivery channel. Expose this log in a dedicated section of the dashboard where users can review past alerts, filter by asset or date, and mark entries as read or dismissed.

Acceptance Criteria
Accessing Sentiment Alert History
Given the user has triggered multiple sentiment alerts When the user navigates to the Sentiment Alert History section Then the system displays a list of all past alerts including timestamp, asset, sentiment value, threshold level, and delivery channel
Filtering Alert History by Asset
Given the user is on the Sentiment Alert History page When the user selects an asset filter for "[Asset Name]" Then only alerts for the selected asset are displayed in the history list
Filtering Alert History by Date Range
Given the user is on the Sentiment Alert History page When the user applies a start date and end date filter Then only alerts within the specified date range are shown
Marking Alerts as Read or Dismissed
Given the user views unread alerts in the history list When the user marks an alert as "read" or "dismissed" Then the alert status updates accordingly and persists after page reload
Sorting Sentiment Alerts
Given the user is on the Sentiment Alert History page When the user sorts alerts by timestamp in ascending or descending order Then the list reorders the alerts accordingly

Peer Benchmark

Allows you to compare your portfolio allocations and performance against aggregated micro-investor benchmarks, revealing where you stand on popular assets and uncovering diversification gaps or overweights.

Requirements

Peer Data Aggregation
"As a micro-investor, I want my portfolio data aggregated with peers so that I can see how my investments compare to a broader group."
Description

Collect and aggregate anonymized portfolio data from micro-investors in real time, normalize various account formats, and store aggregated metrics for benchmark calculations, ensuring up-to-date, accurate peer benchmarks while maintaining user privacy and compliance.

Acceptance Criteria
Real-Time Data Ingestion
Given a linked micro-investor account is updated with new transactions When the system receives the update Then the data is ingested and persisted in the raw data store within 1 minute
Data Format Normalization
Given raw portfolio data in various account-specific formats When the normalization pipeline processes the data Then all fields map correctly to the unified portfolio schema with 100% accuracy
User Privacy and Anonymization
Given individual portfolio records containing personal identifiers When data is stored or transmitted Then all PII is removed or masked and data is encrypted in transit and at rest
Aggregated Metrics Storage
Given normalized data streams For each asset class When daily aggregation runs Then median, 25th percentile, 75th percentile, and total counts are computed and stored in the benchmark metrics table
Error and Recovery Handling
Given an API timeout or ingestion failure When the system encounters an error Then it retries up to three times, logs detailed error information, and raises an alert if all retries fail
Allocation Comparison Dashboard
"As a user, I want to compare my portfolio allocation against peer benchmarks so that I can identify diversification gaps or concentration risks."
Description

Develop a dashboard that compares a user’s portfolio allocation by asset class, sector, and individual holdings against peer benchmarks, highlighting overweights, underweights, and alignment with popular allocations, and integrating seamlessly into the main Nestfolio interface.

Acceptance Criteria
Asset Class Allocation Comparison Scenario
Given the user selects 'Asset Class' on the Allocation Comparison Dashboard, when the data loads, then the user’s allocation by asset class displays side-by-side with the peer benchmark percentages, and any allocation difference exceeding ±5% is highlighted in red or green.
Sector Allocation Analysis Scenario
Given the user drills down into 'Sector Allocation', when the sector breakdown is rendered, then each sector’s user allocation is shown next to peer average with tooltips explaining overweights (user > peer +3%) and underweights (user < peer -3%).
Individual Holding Benchmark Scenario
Given the user views the 'Individual Holdings' section, when the list populates, then each holding shows the user’s percentage, peer group percentage, and a visual indicator (arrow up/down) for positions outside a ±2% alignment threshold.
Real-Time Data Synchronization Scenario
Given the user’s portfolio is updated externally, when the dashboard refreshes, then the latest allocation comparisons reflect the new data within 30 seconds without requiring a page reload.
UI Integration with Main Dashboard Scenario
Given the user is on the main Nestfolio interface, when the Allocation Comparison feature is accessed, then the new dashboard embeds seamlessly within the existing layout with consistent styling, responsive behavior, and no visual regressions.
Performance Benchmark Visualization
"As an investor, I want to see visual performance comparisons with peers over time so that I can understand how well my portfolio is performing relative to others."
Description

Create interactive visualizations (charts, graphs) showing user portfolio performance versus peer average returns over selectable timeframes, with tooltips and annotations for context, enabling users to quickly grasp relative performance trends.

Acceptance Criteria
Timeframe Selection and Peer Benchmark Comparison
Given a user selects a timeframe option (1M, 3M, 6M, 1Y, YTD) from the controls, when the selection is confirmed, then the chart updates within 2 seconds to display the user’s portfolio performance and the peer average returns for that timeframe with correctly labeled axes and legend.
Interactive Tooltip Display on Hover
Given the user hovers over a data point on the performance chart, when the hover event is detected, then a tooltip appears within 200ms showing the date, user return percentage, peer average return percentage, and any relevant annotations.
Portfolio Performance vs Peer Chart Rendering
Given the performance benchmark page loads, when the default timeframe (1M) is applied, then the system renders both the user’s performance line and the peer average line on the chart with distinct colors, accurate data points, and a labeled legend.
Annotation Accuracy and Context Display
Given significant portfolio events (highs, lows, milestones) exist within the selected timeframe, when the chart is rendered, then annotation markers appear at the correct dates and, on hover, display contextual descriptions matching the event data.
Responsive Interaction on Mobile Devices
Given a viewport width under 768px, when the user views the performance chart, then the chart layout adjusts to a single column, touch events on data points trigger the same tooltip details as hover on desktop, and all elements remain legible without horizontal scrolling.
Diversification Gap Alerts
"As a busy investor, I want alerts when my portfolio’s diversification differs greatly from peers so that I can take corrective action without constantly monitoring manually."
Description

Implement an alert system that notifies users when their portfolio deviates significantly from peer diversification benchmarks, specifying assets or sectors where the deviation occurs and recommending rebalancing actions.

Acceptance Criteria
Equity Allocation Deviation Alert
Given the user’s equity allocation deviates by more than 5% from the peer benchmark, When the daily portfolio scan runs, Then the system sends an alert detailing the deviation percentage and recommending specific equity rebalancing actions.
Sector Overweight Notification
Given the user’s investment in a single sector exceeds the peer benchmark by over 7%, When the system evaluates portfolio composition, Then the user receives a notification identifying the overweight sector and suggestions to diversify.
Underweight Asset Class Warning
Given the user’s allocation to an asset class falls below the peer benchmark by more than 4%, When the portfolio analysis completes, Then the system issues a warning specifying the underweight asset class and potential allocation increases.
Threshold Configuration Validation
Given a user configures custom deviation thresholds for alerts, When thresholds are saved, Then the system applies the user-defined thresholds during subsequent portfolio scans and triggers alerts accordingly.
Alert Delivery Verification
Given the system generates a diversification gap alert, When the alert is dispatched, Then it is received in the user’s preferred channel (email, push notification, or in-app) within five minutes, and includes clear instructions for rebalancing.
Benchmark Filters and Segmentation
"As a user, I want to filter peer benchmarks by investment size and risk level so that I compare my portfolio against similar investors."
Description

Allow users to filter and segment peer benchmarks by criteria such as investment size, risk profile, geographic region, and asset preference, ensuring that comparisons are relevant and tailored to the user’s investment context.

Acceptance Criteria
Filter by Investment Size
Given a user selects an investment size range filter, when the filter is applied, then the benchmark dataset updates to include only peers within the specified range, and the results load within 2 seconds.
Segment by Risk Profile
Given a user chooses one or more risk profile segments, when the segments are applied, then the benchmark performance charts group data by selected risk categories and display accurate aggregated metrics for each category.
Filter by Geographic Region
Given a user selects a geographic region filter, when the region is applied, then the benchmark list and visualizations refresh to show only peers headquartered or primarily invested in the chosen region, with region labels correctly displayed.
Segment by Asset Preference
Given a user applies an asset preference filter (e.g., crypto, stocks, ETFs), when the filter is applied, then benchmarks only include peers with the same asset mix and the asset allocation percentages in the peer data match the aggregated underlying holdings.
Combined Multi-Criteria Filtering
Given a user applies multiple filters simultaneously (investment size, risk profile, region, asset preference), when the filters are combined, then the system returns the intersection of all selected criteria, displays the accurate count of matching peers, and indicates active filters without performance degradation.

Asset Chat Hub

Integrates a dedicated live discussion feed for each trending asset, letting you view and contribute to peer insights, ask questions, and share strategies without leaving your Nestfolio dashboard.

Requirements

Real-time Chat Feed
"As an investor tracking an asset, I want to discuss price movements with peers in real time so that I can make timely, informed decisions."
Description

Each asset page features a live-updating chat feed powered by WebSockets, allowing users to post and view messages instantly. The feed integrates seamlessly with the asset’s chart and summary panel, ensuring that investors can see community insights alongside price data without leaving the dashboard. This functionality fosters timely discussions, increases user engagement, and empowers users to react swiftly to market movements.

Acceptance Criteria
Live Message Stream Visibility
Given a user is on an asset page When any user posts a message Then the chat feed displays the new message in under 1 second without a page refresh
Instant Message Posting
Given a user enters text and clicks send When the WebSocket connection is active Then the message appears in the chat feed for all connected users within 1 second
Message Order Consistency
Given multiple users send messages concurrently When messages are received by the client Then they appear in strict chronological order based on server timestamp
Asset Context Switching
Given a user switches from one asset to another When the new asset page loads Then the chat feed displays only messages relevant to the selected asset within 1 second
Connection Resilience
Given the WebSocket connection drops and reconnects When connection is restored Then the client fetches and displays any missed messages in correct order without duplicates
Asset-specific Threaded Conversations
"As a user, I want to start and follow topic-specific threads about an asset so that I can find relevant insights quickly."
Description

Within each asset’s chat hub, users can start and follow threaded conversations on specific topics (e.g., technical analysis, news events). Threads can be collapsed or expanded, sorted by activity or recency, and filtered by tags. This structure organizes discussions, making it easier for participants to locate and contribute to relevant conversations without sifting through unrelated messages.

Acceptance Criteria
Starting a New Thread in Asset Chat
Given a user is viewing an asset’s chat hub When the user selects “Start Thread” and enters a title and message Then a new threaded conversation appears under that asset with the correct title, message, timestamp, and author attribution
Collapsing and Expanding Threads
Given multiple threads are visible in an asset’s chat hub When the user clicks the collapse icon on a thread Then all child messages are hidden and the thread header remains visible And when the user clicks the expand icon Then the child messages reappear in correct chronological order
Sorting Threads by Activity and Recency
Given an asset chat hub with multiple threads When the user selects sort by activity Then threads reorder based on the timestamp of the latest child message And when the user selects sort by recency Then threads reorder based on their creation timestamps
Filtering Threads by Tags
Given tagged threads exist in an asset chat hub When the user selects one or more tags from the filter menu Then only threads containing the selected tags remain visible And all other threads are hidden
Viewing Threaded Conversation Hierarchy
Given a user opens an existing thread in an asset’s chat hub When the user views the thread Then parent and child messages display in nested indentation with clear visual connectors and timestamps
Notification System for Chat Activity
"As a user, I want to receive notifications when I'm mentioned or someone replies to my chat so that I stay engaged and don’t miss important conversations."
Description

Implement a configurable notification system that alerts users to mentions, replies, and trending discussions within their subscribed asset chats. Notifications will be delivered via in-app banners, email, and push notifications on mobile. Users can customize which events trigger alerts to stay informed about key interactions without receiving unnecessary noise.

Acceptance Criteria
Asset Chat Mention Notification
Given a user is subscribed to an asset chat and has enabled mention alerts, when another user mentions them (@username) in a chat message, then an in-app banner, email, and push notification should be sent to the user within 60 seconds.
Reply to User Comment Alert
Given a user has posted a comment in an asset chat and has enabled reply notifications, when another user replies to their comment, then the user should receive notifications via their chosen delivery channels within one minute, including a link to the replied message.
Trending Discussion Alert
Given a discussion in a subscribed asset chat surpasses 50 new messages or 100 unique views within 30 minutes, when this threshold is met, then a trending discussion notification should be sent to the user’s enabled channels with a summary of the discussion.
Notification Preference Configuration
Given a user accesses the notification settings page, when they select or deselect event types (mentions, replies, trending) and delivery channels (in-app, email, push), then their changes should be saved immediately and reflected in subsequent notifications.
Multi-Channel Delivery Assurance
Given a user has multiple notification channels enabled, when a qualified event occurs, then notifications must be delivered successfully to all enabled channels, and failures in one channel should not block delivery to others.
Moderation and Reporting Tools
"As a user, I want to report inappropriate messages so that the community remains safe, constructive, and respectful."
Description

Provide users with the ability to report inappropriate or spam messages directly within the chat interface. Administrators and community moderators will have an admin dashboard to review flagged content, take action (remove messages, mute users), and maintain community guidelines. Automated spam detection algorithms will assist moderators by highlighting potentially problematic messages.

Acceptance Criteria
User Reports Inappropriate Message
Given a user identifies an inappropriate or spam message in the asset chat, When they click the 'Report' button and confirm their action, Then the message is flagged in the system and the user receives a confirmation notification.
Moderator Reviews Flagged Messages
Given the moderator accesses the admin dashboard, When they navigate to the 'Flagged Messages' section, Then all reported messages are displayed in a sortable list showing the reporter, timestamp, and reason for flagging.
Moderator Takes Action on Report
Given a moderator selects a flagged message, When they choose 'Remove Message' or 'Mute User' and confirm, Then the message is removed from the chat feed and the user is muted for the configured duration, and the action is logged in the moderation history.
Automated Spam Detection Highlights Messages
Given new messages are posted in the chat, When the automated spam detection algorithm identifies a message matching spam patterns, Then the message is automatically flagged and highlighted in the admin dashboard for moderator review.
User Feedback After Reporting
Given a user has reported a message, When the report is successfully submitted, Then the user can view the status of their report in a 'My Reports' section, showing 'Pending', 'Action Taken', or 'Rejected'.
Rich Media Embedding
"As a user, I want to share charts and other media in chat so that my insights are more informative and visually clear."
Description

Enable users to embed charts, images, tweets, and external links within chat messages. Embedded media will render securely inline, allowing participants to share detailed visuals and resources without leaving the conversation. All external content will be sanitized and previewed to ensure platform security and a seamless user experience.

Acceptance Criteria
Embed a chart within a chat message
Given the user is in an asset chat When the user selects the chart embed option and provides a valid chart URL Then the system renders a secure, inline chart preview before the message is sent And the message is delivered with the embedded chart visible to all participants
Embed an image in a chat thread
Given the user has an image file or URL When the user drags the image into the message composer or pastes the URL Then the system sanitizes the content and displays an inline image preview And the final message includes the embedded image viewable by all users
Embed a tweet with preview
Given the user is viewing an asset discussion When the user pastes a tweet URL into the chat input Then the system fetches the tweet metadata and displays a sanitized, inline tweet preview And the message is sent containing the preview of the original tweet
Embed an external link with sanitized preview
Given the user wants to share an external resource When the user pastes a web link into the message composer Then the system generates a sanitized link preview including title, description, and thumbnail And the message with the inline preview is successfully posted
Handle unsupported media types gracefully
Given the user attempts to embed an unsupported file or media type When the user adds the unsupported content to the message Then the system blocks the embed and shows a clear error message explaining supported formats And the original message is not sent until valid media is provided

OneTap Swap

Execute crypto-to-cash or crypto-to-stock swaps with a single tap—no multi-step forms or confirmations. This ultra-simplified workflow lets you capitalize on opportunities in seconds, saving time and reducing friction in your trading experience.

Requirements

Instant Swap Execution
"As an investor, I want to execute a crypto-to-cash or crypto-to-stock swap with one tap so that I can capitalize on market opportunities instantly without navigating complex forms."
Description

Enable users to execute crypto-to-cash or crypto-to-stock swaps with a single tap, bypassing multi-step forms and confirmations. The system should handle order placement, routing, and confirmation in the background, providing immediate execution feedback. This requirement ensures minimal friction, rapid trade completion during volatile market conditions, and a seamless user experience that aligns with the feature’s promise of ultra-simplified workflow.

Acceptance Criteria
Crypto-to-Cash OneTap Swap
Given a user holds sufficient crypto balance in their connected wallet When the user taps the 'Swap to Cash' button for a specific crypto asset Then the system sends the order to the liquidity provider within 200ms and returns a confirmation message including the exact cash amount received within 1 second
Crypto-to-Stock OneTap Swap
Given a user holds sufficient crypto balance for the selected swap pair When the user taps the 'Swap to Stock' button and selects a target stock Then the system executes the crypto sale, converts proceeds, and purchases the target stock automatically And displays the stock quantity and trade details in the portfolio within 1 second
Insufficient Balance Handling
Given a user has insufficient crypto balance for the intended swap When the user taps the swap button Then the system blocks the swap, displays an 'Insufficient Balance' error message, and prompts the user to deposit or adjust the amount
Immediate Execution Feedback
Given any swap request is initiated When the user performs the single tap Then the system shows a loading indicator immediately and replaces it with a 'Swap Completed' message including transaction ID and timestamp within 2 seconds
High-Volatility Performance
Given the market volatility exceeds a predefined threshold When a swap request is tapped Then the system executes the trade within 500ms and logs slippage data not exceeding 0.5% in the backend And notifies the user of the actual execution price if it deviates from the displayed quote by more than 0.5%
Real-Time Price Feed Integration
"As a user, I want to see real-time exchange rates for my swap so that I know I’m getting the best available price when I tap to execute."
Description

Integrate a reliable, low-latency market data feed to provide up-to-the-second pricing for supported crypto and stock assets. Ensure price accuracy by implementing fallback sources and periodic sanity checks. This requirement underpins the trustworthiness of swap rates and guarantees users receive fair market prices in the one-tap flow.

Acceptance Criteria
Live Price Retrieval on Swap Initiation
Given the user taps the OneTap Swap button When the swap screen loads Then the price feed for the selected asset is displayed within 500ms and reflects the current market rate
Automatic Fallback to Secondary Data Source
Given the primary price feed fails or latency exceeds threshold When a price request is made Then the system automatically switches to a secondary data source within 1 second and displays the fallback price without user interruption
Sanity Check on Price Deviations
Given a newly received price When the price deviates by more than 2% from the previous value Then the system flags the anomaly, logs an alert, and prevents it from displaying until verified against a tertiary source
Minimum Price Update Frequency Compliance
Given an active swap session When the user views the price Then the price feed must refresh at least once every second with no stale values older than 2 seconds
Daily Price Consistency Verification
Given the end of a trading day When comparing aggregated feed prices Then the system’s recorded prices must match within 0.5% of official exchange closing rates for all supported assets
Transparent Fee Display
"As a user, I want to see all fees associated with my swap before I confirm so that I understand the total cost of my transaction."
Description

Display a clear breakdown of all fees (exchange fees, network fees, service fees) upfront within the one-tap interface. The requirement mandates fetching current fee structures, calculating total cost in real time, and presenting it in a concise format. This transparency builds user trust and helps them make informed decisions before executing trades.

Acceptance Criteria
Real-Time Fee Calculation Before Swap
Given a user selects crypto-to-cash or crypto-to-stock swap When the user inputs an amount and taps the swap button Then the system fetches the latest exchange, network, and service fees in real time And displays each fee type and a summed total cost within 1 second of the tap
Fee Breakdown in Both Absolute and Percentage Formats
Given fee data is retrieved for a selected swap When the fee breakdown is rendered in the one-tap interface Then each fee type is shown as an absolute value in the user’s currency and as a percentage of the swap amount
Error Handling When Fee Data Fetch Fails
Given a network or API error occurs while retrieving fee data When the fee calculation request returns an error Then the system displays an informative error message in place of the fee breakdown And provides an option to retry fetching fee data
UI Responsiveness on Poor Network Conditions
Given the user is on a slow or unstable network When the fee breakdown is being fetched and rendered Then the UI displays a loading indicator and maintains responsiveness And updates to show the fee breakdown once data arrives without freezing
Dynamic Fee Structure Across Multiple Exchanges
Given the user’s selected swap can route through different exchanges When calculating fees for that swap Then the system selects the lowest-fee route automatically And displays the fee breakdown for the chosen route clearly in the interface
Robust Error Handling and Rollback
"As a user, I want to be informed immediately if my swap fails and have my funds returned automatically so that I can trust the platform with my assets."
Description

Implement comprehensive error detection, user notifications, and automatic rollback for failed or partially executed swaps. Capture and classify errors (network issues, insufficient liquidity, API failures), notify users with clear messages, and ensure no funds are lost by reverting incomplete transactions. This requirement is critical for reliability and user confidence.

Acceptance Criteria
Network Error During Swap
Given the user taps OneTap Swap and the network connection is lost mid-transaction, When the system detects a network timeout beyond 5 seconds, Then it must display an error message informing the user of the network issue and automatically rollback any partial changes, ensuring the user’s balances remain exactly as before within 2 seconds of detection.
Insufficient Liquidity Error
Given the user initiates a crypto-to-stock swap and the market lacks sufficient liquidity, When the external trading API returns an insufficient liquidity error, Then the system must abort the swap without deducting any funds and notify the user with a clear message indicating insufficient liquidity.
External API Failure Handling
Given the OneTap Swap feature calls an external exchange API and receives an HTTP 5xx response or times out after 5 seconds, When this failure occurs, Then the system must automatically retry the API call up to two times, and if it still fails, display a 'Service Unavailable' notification and ensure any reserved funds are fully released back to the user’s account.
Partial Execution Detection and Reversal
Given a swap order is partially filled by the exchange, When the executed amount differs from the requested amount, Then the system must detect the discrepancy, revert the executed portion back to the original asset, confirm the rollback was successful, and inform the user of the partial execution and full reversal.
Automatic Retry Notification
Given the system encounters a recoverable error (e.g., transient network glitch) during a swap, When it performs an automatic retry, Then it must show a non-blocking notification stating 'Retrying swap due to network issue' and, if retries exceed the limit, follow with the final error message and rollback.
Instant Transaction Confirmation UI
"As a user, I want visible confirmation of my swap status so that I know whether my transaction succeeded or if I need to retry."
Description

Provide immediate visual feedback upon swap initiation and completion, using lightweight UI components (e.g., toasts or snack bars). The interface should show transaction status—pending, executed, or failed—and update seamlessly without page reloads. This requirement ensures users are clearly informed of the outcome of their one-tap action.

Acceptance Criteria
Pending Transaction Toast Display
Given the user taps the OneTap Swap button, When the swap request is sent to the server, Then a non-blocking toast message labeled "Transaction Pending" must appear within 1 second and remain visible until the transaction status changes.
Successful Transaction Snack Bar
Given a swap transaction is successfully executed, When the confirmation is received from the server, Then a success snack bar with the message "Swap Completed" and the transaction ID must display within 2 seconds, and it must auto-dismiss after 5 seconds.
Failed Transaction Alert
Given a swap transaction fails due to network or server error, When the failure response is received, Then an error UI component must display the message "Swap Failed" with a retry button and remain onscreen until the user dismisses it or retries.
Seamless Status Update Without Reload
Given the user is on any dashboard screen during an ongoing swap, When the transaction status changes from pending to executed or failed, Then the UI status indicator must update in real-time without a full page reload or visual flicker.
Concurrent Transaction Feedback Handling
Given the user initiates multiple swaps in quick succession, When each swap request is processed, Then each transaction must trigger its own distinct toast or snack bar with the correct transaction ID, and messages must queue or stack without overlap.

RateLock Protection

Automatically lock in the prevailing mid-market rate for a short window during each swap to guard against slippage. Enjoy peace of mind knowing the price you see is the price you get, eliminating unexpected rate shifts during execution.

Requirements

Configurable Lock Window
"As a product manager, I want to configure the rate lock duration so that the system can adapt to market volatility and optimize execution consistency."
Description

The system shall allow administrators to set the duration of the rate lock window for asset swaps, enabling flexibility to adjust for varying market conditions. This requirement ensures that the prevailing mid-market rate is held for the configured time interval (e.g., default 10 seconds), after which the lock expires and an updated rate is fetched. It integrates with the swap execution workflow to guarantee that users receive the displayed price within the specified timeframe, reducing unexpected slippage and increasing confidence in trade outcomes.

Acceptance Criteria
Default Lock Window Application
Given the system default lock window is set to 10 seconds and no custom value is configured, When a user initiates an asset swap, Then the mid-market rate must be held and applied to the swap for exactly 10 seconds from the moment the rate is displayed.
Custom Lock Window Configuration
Given an administrator inputs a valid custom lock window duration (e.g., 15 seconds) in the configuration panel, When the settings are saved, Then all subsequent swap requests must use the newly configured lock window duration.
Lock Expiry Triggers Rate Refresh
Given a swap request remains unconfirmed after the configured lock window expires, When the lock window duration elapses before swap execution, Then the system must automatically fetch and display the updated mid-market rate.
Swap Execution Within Lock Window
Given a user confirms the swap within the configured lock window, When the swap execution is processed, Then the executed rate must exactly match the initially displayed locked-in mid-market rate.
Invalid Lock Window Value Handling
Given an administrator enters an invalid lock window value (e.g., zero, negative, or exceeding the maximum allowed duration), When attempting to save the configuration, Then the system must reject the input and display a validation error message.
Mid-Market Rate Aggregation
"As a user, I want the app to source accurate mid-market rates from top liquidity sources so that I trust the locked price is fair and up-to-date."
Description

The system shall fetch real-time mid-market rates for supported trading pairs from multiple liquidity providers (exchanges and aggregators) and compute a consolidated mid-market rate. This requirement ensures accurate and reliable pricing by normalizing and weighting data from various sources at defined intervals and upon swap initiation. The aggregated rate feeds directly into the rate lock mechanism, minimizing exposure to stale or skewed quotes.

Acceptance Criteria
Aggregation Upon Swap Initiation
Given the user initiates a swap request, when the system retrieves rates from all supported liquidity providers, then the system must compute and display a consolidated mid-market rate within 500ms of initiation.
Periodic Mid-Market Rate Refresh
Given the system is idle, when 60 seconds have elapsed since the last rate retrieval, then the system must fetch and aggregate mid-market rates from all providers and update the dashboard without errors.
Normalization of Source Rates
Given the system receives mid-market rates in varying formats, when the data is ingested, then the system must normalize all rates to a uniform decimal format with four decimal places before aggregation.
Weighted Average Calculation
Given the normalized rates and associated liquidity volumes from each provider, when calculating the aggregated mid-market rate, then the system must apply predefined weights and compute the weighted average with a tolerance of ±0.0001.
Error Handling for Unavailable Providers
Given one or more liquidity providers fail to respond, when the timeout threshold of 2 seconds is reached, then the system must exclude the unresponsive provider, log a warning event, and compute the aggregated rate using the remaining providers.
Rate Lock Confirmation UI
"As an investor, I want to see the locked rate and time remaining so that I can confirm I’m getting the price I expect before executing the swap."
Description

The application shall display a confirmation dialog before executing a swap that shows the locked rate, lock expiration countdown, and options to proceed or cancel. This requirement enhances transparency by clearly presenting the guaranteed rate and remaining lock time, helping users make informed decisions. The UI must integrate seamlessly with the swap interface, updating dynamically as the lock timer counts down.

Acceptance Criteria
Displaying Rate Lock Confirmation Dialog
Given a user initiates a swap with RateLock Protection enabled When the confirmation dialog appears Then it displays the locked mid-market rate, a countdown timer, and Proceed/Cancel buttons
Updating Lock Expiration Countdown in Real Time
Given the confirmation dialog is visible When one second passes Then the countdown timer updates accurately without page reloads until expiration
Confirming Swap with Locked Rate
Given the confirmation dialog shows the locked rate and timer When the user clicks Proceed before expiration Then the swap executes at the displayed rate and the dialog closes
Cancelling Swap during Lock Period
Given the confirmation dialog is visible When the user clicks Cancel before expiration Then the dialog closes without executing the swap and no lock is consumed
Handling Rate Lock Expiry Before Confirmation
Given the confirmation dialog timer reaches zero When expiration occurs Then the dialog updates to indicate lock expiry and disables the Proceed button
Automatic Rate Lock Refresh
"As a frequent trader, I want the rate lock to refresh automatically if I exceed the initial lock window so that I don’t have to restart my swap in volatile conditions."
Description

The system shall automatically refresh the rate lock if a user’s swap initiation exceeds the initial lock window, provided market volatility stays within defined thresholds. When the lock expires, a new mid-market rate is fetched, and the lock timer resets seamlessly. This requirement maintains workflow continuity, reducing manual intervention and improving user experience in fast-moving markets.

Acceptance Criteria
Seamless Rate Refresh Within Volatility Threshold
Given a user’s swap initiation exceeds the initial lock window and real-time volatility stays within defined thresholds, when the lock expires then the system fetches a new mid-market rate and resets the lock timer automatically without user intervention.
Prevention of Refresh When Volatility Exceeds Threshold
Given a user’s swap initiation and measured market volatility exceeds defined thresholds at lock expiry, when the lock window ends then the system does not refresh the rate lock and instead prompts the user with a volatility warning.
Accurate Reset of Rate Lock Timer Display
Given the rate lock is refreshed, when the new mid-market rate is fetched then the on-screen countdown timer resets to the full lock duration within 200ms of refresh.
Enforcement of Maximum Refresh Attempts
Given repeated rate lock expirations, when the system reaches a configurable maximum number of automatic refresh attempts in a single swap session then it stops further refreshes and notifies the user.
Audit Logging of Each Rate Refresh Event
Given each automatic rate lock refresh, when a new rate is fetched then the system logs the timestamp, old rate, new rate, and volatility metrics to the audit database.
Execution of Swap at Latest Locked Rate
Given a user submits a swap after one or more automatic lock refreshes, when the swap executes then it uses the most recently locked mid-market rate and the executed rate matches that locked rate.
Rate Lock Failure Handling
"As a user, I want the app to handle rate lock failures gracefully with clear options so that I’m protected from unexpected trades and can retry or cancel safely."
Description

The system shall detect and handle rate lock failures—such as API timeouts, expired locks, or unacceptable slippage—by automatically canceling the pending swap and notifying the user. The notification should offer clear next steps (retry lock, adjust slippage settings, or cancel). This requirement ensures robust error management, preventing unintended trades at unfavorable rates and maintaining user trust.

Acceptance Criteria
API Timeout During Rate Lock
Given a swap is initiated and the rate lock API request times out, the system cancels the pending swap and sends the user a notification with options to retry lock, adjust slippage settings, or cancel.
Expired Lock Before Execution
Given a rate lock is confirmed but expires before swap execution, the system cancels the pending swap and notifies the user with options to retry lock, adjust slippage settings, or cancel.
Slippage Exceeds Threshold
Given a rate lock is held but the market rate shifts beyond the user’s slippage tolerance before execution, the system cancels the swap and notifies the user with next steps.
User Retries Rate Lock After Failure
Given a previous rate lock failure, when the user selects 'Retry Lock', the system attempts a new rate lock and displays a success or failure notification within five seconds.
User Adjusts Slippage Settings After Failure
Given a rate lock failure due to slippage, when the user updates their slippage tolerance and retries the lock, the system applies the new tolerance and notifies the user of the rate lock outcome within five seconds.

SmartRoute Optimizer

Leverage an intelligent routing engine that scours multiple liquidity pools and exchanges in real time to find the best path for your swap. This ensures maximal execution efficiency, minimizing fees and delivering optimal rates every time.

Requirements

Real-Time Liquidity Aggregation
"As a retail investor, I want the optimizer to fetch live liquidity data from all sources so that I can execute my swap at the best available rate."
Description

Continuously collect, normalize, and cache order book snapshots, swap pools reserves, and trade histories from supported centralized exchanges and decentralized liquidity pools. Ensure data is updated within milliseconds to provide the optimizer with a complete, accurate view of available liquidity across all venues. Integrate with existing market data feeds and implement automated normalization and deduplication to maintain consistency and reliability for route calculations.

Acceptance Criteria
Initial Data Ingestion from Exchanges and Pools
Given the SmartRoute Optimizer is initialized and connected to supported centralized exchanges and decentralized pools, when the first batch of order book snapshots and reserves is requested, then data from at least 95% of configured venues must be ingested and cached within 300 milliseconds.
Real-Time Data Refresh Rate
Given the liquidity aggregator is operational, when new updates arrive from any venue, then the cached data for that venue must reflect the latest state within 50 milliseconds of receipt.
Normalization and Deduplication of Incoming Data
Given raw order book entries and swap pool reserves may contain duplicates or inconsistent field names, when the normalization process runs, then all entries must be transformed to the standardized schema and duplicate records removed, yielding a unique, consistent dataset.
Cache Integrity under High Load
Given a sustained influx of 10,000+ data updates per second over one hour, when ingestion and normalization pipelines run continuously, then the cache hit rate must remain above 99% and zero data loss or corruption events occur.
Market Data Feed Failover
Given the primary market data feed becomes unavailable, when the automated failover mechanism triggers, then the system must switch to the backup feed within 100 milliseconds and continue updating cached liquidity data without missing scheduled refresh intervals.
Multi-Exchange Connector
"As a user, I want SmartRoute Optimizer to connect seamlessly to all major exchanges and liquidity pools so that I benefit from the broadest range of trading venues."
Description

Develop a robust connector layer that securely interfaces with the APIs of major centralized exchanges and smart contracts of leading decentralized protocols. Handle authentication, rate limiting, retries, and error handling to ensure uninterrupted data flow and transaction execution. Provide a unified abstraction so the optimizer can query and trade across venues without needing venue-specific logic.

Acceptance Criteria
Data Synchronization Across Multiple Exchanges
Given valid API credentials, When the connector requests account balances, Then it returns a consolidated data structure with normalized balances from all connected venues within 5 seconds; And the returned data adheres to the predefined schema.
API Authentication and Error Handling
Given expired or invalid API tokens, When the connector attempts authentication, Then it retries up to 3 times with exponential backoff; If still unsuccessful, it returns a standardized error without crashing the system.
Rate Limit Exceeded Retry Mechanism
Given the connector receives an HTTP 429 response with a Retry-After header, When handling the rate limit, Then it waits the specified duration and retries the request up to 3 times; All retries must respect the delay and succeed or return a distinct rate-limit error.
Unified Trade Execution Abstract Interface
Given a trade order in the unified format, When the connector executes the order, Then it routes to the correct venue endpoint, returns an order confirmation matching the unified schema, and logs venue-specific identifiers for auditing.
Smart Contract Interaction Verification
Given a valid swap transaction request, When the connector invokes the smart contract, Then it listens for the transaction receipt, validates that event logs match expected swap parameters, and returns a success confirmation within 30 seconds.
Dynamic Route Optimization Engine
"As an active trader, I want the optimizer to calculate the best route for my swap instantly so that I get the highest return with minimal cost."
Description

Design and implement an algorithmic engine that evaluates multiple swap paths in real time, considering factors like liquidity depth, price impact, gas costs, and slippage thresholds. The engine should compute the optimal split across venues and pools to minimize cost and maximize output for each requested swap. Incorporate heuristic pruning and memoization to deliver results within strict latency requirements.

Acceptance Criteria
Optimal Path Calculation for High Liquidity Swap
Given a request to swap 1000 units of Token A for Token B across multiple high-liquidity venues, when the engine evaluates available pools and exchanges, then it selects the route with the lowest aggregated cost and returns the execution plan within 200ms.
Split Execution Across Multiple Pools
Given a swap amount that exceeds a single pool’s depth, when the engine computes liquidity distribution, then it splits the swap across at least two pools in proportion to their available liquidity and achieves an actual output within 0.05% of the estimated amount.
Latency Compliance Under High Load
Given 500 concurrent swap requests per second, when the engine processes each request, then at least 95% of route computations complete within 250ms and none exceed 300ms.
Slippage Protection Enforcement
Given a user-defined slippage threshold of 0.3%, when the engine generates swap routes, then it only returns options where estimated slippage is below 0.3% or else raises a SlippageThresholdExceeded error.
Gas Cost Minimization in Low Volume Markets
Given a swap in a low-volume market, when the engine factors in gas fees, then it selects the route that reduces total transaction cost (swap fees plus gas) by at least 5% compared to the cheapest single-pool alternative.
Fee Impact Assessment Module
"As a cost-conscious user, I want to see estimated fees for each swap path so that I can trust the optimizer is selecting the most cost-effective option."
Description

Integrate a fee calculation component that models both on-chain gas fees and off-chain trading fees for each potential swap route. Provide real-time fee estimates that factor into the route optimization logic and support user transparency. Ensure the module is updatable to reflect dynamic fee structures and network conditions.

Acceptance Criteria
Accurate On-chain Gas Fee Estimation
System estimates on-chain gas fees within ±5% of actual gas used on mainnet and returns the estimate within 200ms of route request.
Real-time Off-chain Trading Fee Calculation
System calculates off-chain trading fees for each route within ±2% of actual exchange fees and provides the estimate within 200ms of route request.
Dynamic Fee Data Update Handling
Module automatically fetches and applies updated fee structures from external APIs every 60 seconds without requiring manual intervention.
Fee-Integrated Route Selection
Route optimization engine factors in total fee estimates and selects the route with the lowest combined fee estimate in 100% of controlled test scenarios.
Transparent Fee Breakdown Display
User interface displays a detailed breakdown of gas and trading fees per route in under 1 second after route calculation.
Secure Swap Execution Handler
"As a trader, I want my swaps executed securely with slippage and failure safeguards so that I avoid unexpected losses."
Description

Implement a transaction execution layer that submits optimized swap transactions to the blockchain or exchange API with built-in slippage protection, transaction batching, nonce management, and rollback on failure. Ensure all transactions are signed securely and validated against the optimized route to prevent tampering or misrouting.

Acceptance Criteria
Successful Swap Submission with Slippage Protection
Given an optimized route with price and fee details and user-defined slippage tolerance, When the transaction is signed and submitted, Then the swap executes only if the on-chain price is within tolerance and returns executed price and fee data in the confirmation.
Transaction Batching Efficiency
Given multiple swap requests are initiated within a short interval, When batching is enabled, Then the handler groups up to the configured max batch size into a single request, submits them atomically, and returns individual transaction hashes for each swap.
Nonce Management and Duplication Prevention
Given consecutive swap requests from the same wallet, When transactions are constructed, Then each transaction nonce increments sequentially from the last known on-chain nonce and any duplicate nonce is rejected before submission.
Rollback on Transaction Failure
Given a swap transaction submission fails due to network or blockchain errors, When the handler detects a failure response or timeout, Then it reverts any local state changes related to that transaction and logs the error for user notification.
Signature and Tamper Validation
Given a prepared swap transaction matching the optimized route, When the transaction is signed via the secure key manager, Then the signature is verified against the route hash before submission and any mismatch causes rejection with an error report.
Performance Metrics Dashboard
"As a power user, I want to view real-time performance metrics of my swaps so that I can monitor execution efficiency and cost savings."
Description

Create a dashboard component within Nestfolio that tracks and visualizes key metrics of the SmartRoute Optimizer, including average execution time, cost savings compared to single-venue swaps, success/failure rates, and liquidity usage. Provide filtering by date, asset pair, and exchange to help users analyze optimizer performance over time.

Acceptance Criteria
Average Execution Time Display Scenario
Given the user selects an asset pair 'BTC/USD' and a date range, when they open the Performance Metrics Dashboard, then the dashboard calculates and displays the average execution time for SmartRoute Optimizer swaps within that period and pair with a precision of 0.1 seconds.
Cost Savings Comparison Scenario
Given the user filters metrics by exchange and date range, when the dashboard computes cost savings, then it displays both percentage and absolute savings compared to single-venue swaps with an accuracy within 0.5%.
Success and Failure Rates Analysis Scenario
Given the user selects an asset pair and date range, when viewing the success/failure chart, then the dashboard shows total swaps, counts of successful and failed swaps, and failure rate percentage that matches backend transaction logs.
Liquidity Usage Filtering Scenario
Given the user applies exchange and date filters, when viewing liquidity usage, then the dashboard displays total liquidity consumed by SmartRoute Optimizer trades for the selected criteria with data updated within 10 seconds.
Custom Filter Persistence Scenario
Given the user configures filters for date, asset pair, and exchange, when they navigate away from and return to the dashboard, then the previously selected filters are automatically reapplied and reflected in the displayed metrics.

Swap Scheduler

Schedule one-tap swaps in advance—either at a specific time or when an asset hits your target price. Automate your strategy to execute trades without manual intervention, so you never miss a market window even when you’re offline.

Requirements

Swap Execution Engine
"As an investor, I want my scheduled swaps to execute reliably at the specified time or price trigger so that I can automate my strategy without worrying about market windows."
Description

Develop a robust backend engine to manage and execute scheduled asset swaps according to predefined time-based or price-based triggers. The engine must handle queueing, order submission, and error handling, integrating seamlessly with the trading APIs and ensuring high reliability and low latency execution. It should support retries for transient failures, log execution details for auditability, and scale horizontally to accommodate increasing user demand.

Acceptance Criteria
Time-Based Swap Execution
Given a user schedules a swap at a specific UTC timestamp, When the system clock reaches that timestamp, Then the engine submits the order to the trading API within 1 second.
Price-Based Swap Trigger
Given a user sets a target price for an asset swap, When the market price meets or exceeds the target price, Then the engine executes the swap order within 5 seconds of the price trigger.
Transient Failure Retry Handling
Given a transient API failure occurs during order submission, When the engine detects the failure, Then it retries the order up to 3 times with exponential backoff and logs each attempt.
Audit Logging of Swap Executions
Given any swap order is executed or fails, When the engine completes handling, Then it logs the timestamp, user ID, asset pair, quantity, execution result, and any error codes to the audit log.
Horizontal Scalability Under Load
Given a simulated load of 1,000 scheduled swaps per minute, When the load is applied, Then the engine processes at least 95% of swaps within 10 seconds without errors.
Schedule Timing Interface
"As a young professional, I want to schedule a swap for a future date and time so that I can set up my investment strategy in advance."
Description

Implement a user-friendly interface allowing users to schedule one-tap swaps at specific dates and times. The UI should include a date picker, time selector, optional recurring schedule settings, and validation to prevent scheduling in the past. It must integrate with the main dashboard workflow, ensuring consistency in design and accessibility on both mobile and web clients.

Acceptance Criteria
Scheduling a One-Time Swap
Given the user selects a valid future date and time and specifies the asset pair and amount, When they confirm the schedule, Then the system saves the swap with the correct details and displays it in the scheduled swaps list.
Scheduling a Recurring Swap
Given the user enables the recurring option and selects a frequency (daily, weekly, monthly), When they save the schedule, Then the system persists the recurring swap pattern, calculates the next run date, and displays the recurring schedule details.
Preventing Past Date Scheduling
Given the user attempts to select a date or time in the past, When they try to save the schedule, Then the UI prevents the selection, disables past dates/times in the picker, and shows an error message indicating scheduling in the past is not allowed.
Integration with Main Dashboard Workflow
Given the user schedules a swap from the dashboard, When the schedule is successfully created, Then the dashboard’s scheduled swaps widget updates immediately to reflect the new entry with accurate date/time and asset information.
Accessibility Compliance for Schedule Interface
Given the user navigates the scheduling interface, When using keyboard navigation and screen reader, Then all interactive elements have appropriate ARIA labels, focus order is logical, and color contrast meets WCAG 2.1 AA standards.
Price Target Trigger
"As a crypto investor, I want my swap to execute when Bitcoin hits my target price so that I capitalize on my market strategy without constantly monitoring prices."
Description

Enable users to set price-based triggers that automatically execute swaps when an asset reaches a target price. Integrate real-time price feeds and configurable thresholds, ensuring minimal latency between trigger detection and order placement. Include validation for sensible target ranges and display real-time asset pricing trends to assist users in setting their targets.

Acceptance Criteria
Valid Target Price Entry
Given a user inputs a target price for an asset When the price is within the configured min and max thresholds Then the system accepts the input and enables scheduling Without displaying any validation errors
Automatic Swap Execution on Price Hit
Given a real-time price feed is active And a price target trigger is set When the asset’s market price equals or crosses the target Then the system places a swap order within 500 milliseconds
Real-Time Price Feed Accuracy
Given the system is connected to external market data When displaying asset prices Then updates occur every 2 seconds or less And the displayed price matches the external feed
Trigger Cancellation Functionality
Given a scheduled price trigger exists When the user cancels the trigger before execution Then the system prevents order placement And displays a confirmation message
User Notification on Trigger Activation
Given a price trigger fires and a swap executes When the order is successfully placed Then the user receives an in-app notification within 5 seconds Containing trade details and status
Account Permission and Security Checks
"As a security-conscious user, I want the system to verify my credentials and available balance before executing a swap so that my account remains secure and compliant."
Description

Implement comprehensive permission and security checks before executing scheduled swaps. This includes verifying API keys, user authentication status, 2FA verification, and available balances. The system should enforce rate limits and risk parameters to prevent unauthorized or excessive trades, ensuring compliance with regulatory and platform policies.

Acceptance Criteria
API Key Validation Before Scheduled Swap
Given a user schedules a swap, when the swap execution is initiated, then the system checks that the API key is valid, not revoked, has required scopes, and returns an error if invalid.
User Authentication and 2FA Verification
Given a scheduled swap is due to execute, when the user session is evaluated, then the system confirms the user is authenticated and has completed 2FA within the last 5 minutes, rejecting the swap if not.
Available Balance Check
Given a scheduled swap is about to run, when the system assesses the user's account, then it verifies the user’s balance meets or exceeds the swap amount plus fees, and cancels the swap with an insufficient funds notification if not.
Rate Limit Enforcement on Swap Executions
Given multiple swaps are scheduled, when executions are planned within the same timeframe, then the system enforces platform rate limits by queuing or rejecting swaps exceeding the limit, providing a clear error message.
Risk Parameter Compliance Check
Given a swap meets all other criteria, when risk parameters are evaluated, then the system ensures the trade sizes and asset volatility comply with predefined risk thresholds and blocks swaps exceeding these limits.
Notification and Alerts
"As a user, I want to receive notifications when my scheduled swap executes or fails so that I stay informed and can take action if needed."
Description

Create a notification system to inform users about the status of their scheduled swaps. Notifications should cover schedule creation, successful execution, execution failure, and cancellations. Support configurable channels such as in-app notifications, email, and push notifications, with clear messaging that includes swap details and next steps for failures.

Acceptance Criteria
Swap Schedule Creation Confirmation
Given a user schedules a swap, When the schedule is successfully created, Then the system sends a notification via all selected channels containing the swap details (assets, amount, schedule time/price trigger)
Successful Scheduled Swap Execution
Given a scheduled swap reaches its execution time or target price, When the swap executes without errors, Then the system sends a success notification via all selected channels including executed swap details
Scheduled Swap Execution Failure Alert
Given a scheduled swap fails due to insufficient funds or network errors, When the execution attempt occurs, Then the system sends a failure notification via all selected channels with error details and suggested next steps
Scheduled Swap Cancellation Notice
Given a user cancels an existing scheduled swap, When the cancellation is confirmed, Then the system sends a cancellation notification via all selected channels specifying the cancelled swap details
In-App Notification Display
Given any swap-related notification event occurs, When the user opens the app’s notification center, Then the notification is listed with a timestamp, type (creation, execution success, execution failure, cancellation), and relevant swap details
Swap History and Audit Trail
"As an advanced trader, I want to review my swap history and export it so that I can audit my strategies and track performance over time."
Description

Provide a comprehensive history view of all scheduled and executed swaps. The history should display timestamps, asset pairs, executed prices, order status, and error messages if any. Include filtering, sorting, and export functionality to CSV for audit purposes, and ensure data integrity by logging all relevant events with unique identifiers.

Acceptance Criteria
Viewing Complete Swap History
Given the user navigates to the Swap History page, when the page loads, then a chronological list of all scheduled and executed swaps is displayed, each showing its unique identifier, timestamp, asset pair, executed price, and current status including any error message.
Filtering and Sorting Swap History
Given the user applies filters by date range, asset pair, or status, then the list updates to show only matching entries; and when the user selects a sort option by date, asset pair, or price, then the list orders entries accordingly.
Exporting Swap History to CSV
Given the user clicks the 'Export to CSV' button, then a CSV file is generated and downloaded containing all currently displayed swap history entries with columns for unique identifier, timestamp, asset pair, executed price, status, and error message.
Data Integrity and Unique Identifiers
Given any swap event is scheduled, executed, or fails, then the system logs the event with a globally unique identifier, and the history display and exports reflect the exact logged values for each field without discrepancy.
Error Logging for Failed Swaps
Given a swap fails to execute, then the history entry for that swap includes the error code, descriptive error message, timestamp, and is marked with a 'Failed' status.

Transparent Fees

View a clear, itemized breakdown of all fees, network costs, and potential slippage before confirming your swap. This feature empowers you with full visibility into transaction costs, building trust and preventing surprises post-trade.

Requirements

Itemized Fee Breakdown
"As a user, I want to see a detailed breakdown of each fee component before confirming my trade so that I can understand the total cost and avoid surprises."
Description

Provide a detailed breakdown of all fees associated with a transaction, including platform fees, network fees, liquidity provider fees, and potential slippage. This breakdown will be displayed in real-time within the transaction flow, ensuring users can see each cost component before proceeding. Integration with the fee calculation engine and blockchain data sources will calculate costs accurately, enhancing transparency and fostering user trust.

Acceptance Criteria
Transaction Fee Itemization Display
Given a user enters swap details and selects the tokens, when the fee calculation engine retrieves costs, then the UI displays platform fee, network fee, liquidity provider fee, and estimated slippage with numeric values and currency indicators before transaction confirmation.
Real-Time Fee Update on Network Condition Change
Given a user is on the confirmation screen, when the blockchain gas price changes by more than 10%, then the fee breakdown updates automatically within two seconds and a notification indicates that the fees have been updated.
Fee Calculation Error Handling
Given the fee calculation engine fails or data sources are unreachable, when a user attempts to view fees, then an error message 'Unable to calculate fees at this time. Please retry.' is displayed and the Confirm button is disabled.
Slippage Range Warning Display
Given potential slippage exceeds the preset threshold of 1%, when the fee breakdown is displayed, then the slippage amount is highlighted in red and a warning 'High slippage detected' appears above the breakdown.
Final Cost Confirmation Before Execution
Given a user reviews the itemized fee breakdown, when the user clicks 'Confirm,' then the system locks in the displayed fees and proceeds with the transaction using those exact costs, ensuring no additional fee changes post-confirmation.
Real-time Slippage Estimation
"As a trader, I want to know the estimated slippage in real-time so that I can decide whether to proceed with or adjust my trade parameters."
Description

Implement a slippage estimation module that calculates potential price impact based on current market depth and liquidity. This estimation updates dynamically as market conditions change, allowing users to adjust trade parameters or cancel transactions if slippage exceeds their tolerance threshold.

Acceptance Criteria
User Views Estimated Slippage Before Swap
Given a user is on the swap confirmation screen When market depth and liquidity data are loaded Then the system displays a real-time slippage percentage estimation before the swap is confirmed
Slippage Tolerance Warning Prompt
Given a user has set a slippage tolerance threshold When the estimated slippage exceeds the user’s threshold Then the system displays a warning message indicating potential slippage risk and requires explicit confirmation to proceed
Dynamic Update on Market Depth Changes
Given the market conditions are changing rapidly When new liquidity and order book updates arrive Then the slippage estimation module recalculates and displays the updated slippage impact within 2 seconds
Cancel Trade on High Slippage
Given the estimated slippage exceeds the user’s maximum tolerance When the user clicks the cancel button Then the pending transaction is aborted and no swap is executed
User Adjusts Trade Parameters to Reduce Slippage
Given the user views an estimated slippage above their tolerance When the user modifies trade parameters (e.g., trade amount, slippage tolerance) Then the system recalculates and displays the new slippage estimation in real-time
Network Fee Forecast
"As an investor, I want to see forecasted network fees for my transaction so that I can schedule trades when fees are lower and save on costs."
Description

Develop a network fee forecasting tool that predicts transaction fees for different blockchains based on current network congestion and recent fee trends. It will present users with low, average, and high fee estimates, enabling them to choose an optimal time or preferred fee level for cost-efficiency.

Acceptance Criteria
Fee Estimate Display
Given a user selects a blockchain network and prepares a swap transaction, When the network fee forecast is generated, Then the tool displays low, average, and high fee estimates in the user’s preferred currency with time validity noted.
Cross-Chain Fee Comparison
Given a user chooses multiple supported blockchains for a possible swap, When fee forecasts are requested, Then the tool presents a side-by-side comparison of low, average, and high fee estimates for each network.
High Congestion Alert
Given the network fee forecast predicts fees above the user’s configured threshold, When the forecast is displayed, Then the system highlights a congestion alert and recommends delaying the transaction.
Optimal Timing Recommendation
Given fee forecasts for different time windows within the next 24 hours, When the user views options, Then the system flags the time slot with the lowest predicted fee and labels it as 'Recommended'.
Forecast Accuracy Validation
Given a user completes a transaction after viewing fee forecasts, When actual fees post on-chain, Then the system logs the actual fee, compares it against the forecast, and reports the accuracy percentage within the dashboard.
Fee Comparison Chart
"As a user, I want to compare the total fees of different trade routes so that I can choose the cheapest and most efficient path for my transaction."
Description

Create an interactive visualization comparing fees across different trading routes or protocols (e.g., direct swap vs. multi-hop). The chart will highlight cost differences, routing paths, and associated slippage, helping users select the most cost-effective option.

Acceptance Criteria
Direct vs. Multi-Hop Swap Comparison
Given the user selects ETH to USDC swap of 1 ETH When the Fee Comparison Chart loads Then it displays at least two routes (direct and multi-hop) with their fees and slippage clearly labeled
Lowest Fee Route Highlighting
Given multiple swap routes are available When the chart renders Then the route with the lowest total fee is visually highlighted and listed at the top
Slippage Visibility per Route
Given the Fee Comparison Chart is displayed When the user reviews each route Then the chart shows the estimated slippage percentage alongside the fee for every route
Dynamic Trade Size Update
Given the user changes the trade amount from 1 ETH to 2 ETH When the chart refreshes Then the fees and slippage values update dynamically to reflect the new trade size
Mobile Responsive Chart Rendering
Given the user accesses the chart on a mobile device When the chart is displayed Then all fee comparison elements remain visible, legible, and scrollable without horizontal overflow
Pre-Trade Fee Confirmation Modal
"As a user, I want to confirm that I understand all fees and slippage estimates before my trade executes so that I avoid unexpected deductions."
Description

Introduce a confirmation modal that summarizes all estimated fees, potential slippage, and the final total cost before executing a trade. Users must explicitly acknowledge this breakdown by checking a confirmation box, ensuring informed consent and reducing post-trade disputes.

Acceptance Criteria
Modal displays detailed fee breakdown
Given a user initiates a crypto swap, when the Pre-Trade Fee Confirmation Modal is displayed, then the modal must list estimated network fees, platform fees, and potential slippage with individual amounts and the aggregated total cost.
User acknowledges fee breakdown
Given the fee breakdown is displayed, when the user views the modal, then a checkbox labeled 'I understand and accept the fees' must be present, remain disabled until the user scrolls through all fee details, and the 'Confirm Trade' button must remain disabled until this checkbox is checked.
Total cost updates on fee selection changes
Given dynamic fee calculation, when the user modifies slippage tolerance or trade amount before confirming, then the modal must automatically recalculate and update the total cost and individual fee components in real time.
Error handling for fee retrieval failures
Given the system fails to fetch fee estimates, when the modal is triggered, then an error message 'Unable to load fee details. Retry?' must be displayed with a retry option, and the trade cannot proceed until successful retrieval.
Accessibility support for confirmation modal
Given a user with a screen reader or keyboard navigation, when the modal appears, then all fee details and controls must be properly labeled, focusable via keyboard, and announced by assistive technologies, ensuring the checkbox and confirm button are accessible.

Rebalance Assistant

Maintain your ideal portfolio allocation effortlessly by automating periodic or threshold-based swaps. The assistant analyzes your holdings in real time and suggests (or automatically executes) precise swaps to keep your investments aligned with your goals.

Requirements

Threshold-based Rebalancing
"As an investor, I want to set upper and lower allocation thresholds for my assets so that the system can detect when my portfolio drifts and suggest or execute rebalancing to maintain my target allocation."
Description

Enable users to define allocation thresholds for individual assets or asset classes, with automatic detection of threshold breaches. When an asset deviates beyond its predefined allocation range, the system flags it for rebalancing and generates precise trade suggestions or triggers automated swaps, ensuring portfolio allocations remain in line with user goals and minimizing manual monitoring effort.

Acceptance Criteria
Detecting Threshold Breach for a Single Asset
Given a user has set an allocation threshold for Asset X between 10% and 15%, When the real-time allocation of Asset X falls below 10% or rises above 15%, Then the system flags Asset X for rebalancing and logs the breach with timestamp.
Generating Precise Trade Suggestions Upon Breach
Given a threshold breach is detected for Asset X, When the system analyzes current holdings and live market prices, Then it calculates the exact quantity of Asset X to buy or sell to return allocation to the midpoint of the target range and displays the suggestion within 2 seconds.
Executing Automated Swaps When Auto-Execution Enabled
Given the user has enabled automatic execution, When a threshold breach and corresponding trade suggestion are generated, Then the system automatically places market orders via connected brokerage APIs and confirms execution success on the dashboard within 5 seconds.
User Configures Multiple Asset Class Thresholds
Given a user defines thresholds for Stocks, Crypto, and ETFs, When the user saves configurations, Then the system validates each threshold, ensures no overlapping rules, persists the configurations, and displays a confirmation message listing all thresholds.
Notification Delivery Upon Threshold Breach
Given a threshold breach occurs, When the system flags the breach, Then the user receives a push notification and an email within 1 minute detailing the asset, breach percentage, and suggested action.
Scheduled Rebalancing
"As a busy professional, I want to schedule periodic rebalancing so that my portfolio stays aligned with my target allocation without requiring manual intervention."
Description

Allow users to schedule automated rebalancing at regular intervals (e.g., monthly, quarterly, annually). The assistant executes or proposes the necessary trades on the specified dates, providing a hands-free way to maintain target allocations over time, streamline portfolio management, and reduce timing bias.

Acceptance Criteria
Monthly Rebalancing Execution
Given a user has a monthly rebalance schedule set for the 1st of each month and the portfolio’s allocation deviates by more than 1% from targets, when the scheduled date arrives, then the system automatically executes the necessary trades to restore target allocations, and the user receives a confirmation notification within 5 minutes.
Quarterly Rebalancing Proposal Notification
Given a user has a quarterly rebalance schedule configured and the end of the quarter is reached, when the portfolio’s allocation deviation threshold of 2% is met or exceeded, then the system generates a proposed trade list, sends an in-app and email notification including estimated costs, and awaits user approval.
Custom Interval Accuracy
Given a user selects a custom rebalance interval of N days (e.g., 45 days) and saves the setting, when the schedule is activated, then the system calculates and displays the next rebalance date accurately N days ahead on the dashboard and triggers execution or proposals on that exact date.
Local Time Zone Execution
Given a user resides in a non-UTC time zone and schedules a monthly rebalance, when the scheduled date arrives at 00:00 local time, then the system executes or proposes the rebalance at the correct local time, regardless of server time zone.
Insufficient Funds Error Handling
Given the portfolio lacks sufficient cash or share quantities to execute all required trades at the scheduled rebalance, when the system processes the rebalance, then it identifies and executes only feasible trades, flags failed trades, and notifies the user with clear instructions for resolving shortages.
Auto-execution Mode
"As an active investor, I want the assistant to automatically execute rebalancing trades based on my rules so that my portfolio adjustments happen quickly and without my daily involvement."
Description

Provide an optional mode to automatically execute rebalancing trades without prior approval. Once enabled, the assistant places buy and sell orders directly with connected brokerage accounts based on predefined rules, reducing friction and ensuring timely alignment with user-defined allocations.

Acceptance Criteria
Enabling Auto-execution Mode
Given the user has connected a brokerage account and defined target allocations, when the user toggles auto-execution mode on, then the system persists the setting, enables automated trade scheduling, and confirms activation to the user.
Automatic Rebalancing on Threshold Breach
Given auto-execution is enabled and any asset allocation deviates by more than the user-defined threshold, when the deviation is detected, then the system places the appropriate buy and sell orders within 5 minutes, executes trades at market price, and logs all transactions.
Automatic Rebalancing on Scheduled Interval
Given auto-execution is enabled with a monthly schedule, when the scheduled rebalance date arrives, then the system automatically executes the required trades without user approval and provides a summary report.
Handling Insufficient Funds Error
Given auto-execution attempts to purchase assets but the brokerage cash balance is insufficient, when the trade order is placed, then the system skips the purchase for that asset, logs the error, and sends a notification to the user.
Disabling Auto-execution Mode
Given auto-execution is currently active, when the user toggles auto-execution mode off, then the system cancels any pending trades, disables further automated executions, and confirms deactivation to the user.
Rebalance Preview & Approval
"As a cautious investor, I want to review a clear breakdown of proposed trades before rebalancing so that I understand the costs and outcomes before confirming execution."
Description

Display a detailed preview of proposed rebalancing trades, including asset quantities, estimated costs, fees, and post-rebalance allocation percentages. Users can review, modify, or approve each trade before execution, ensuring transparency, control, and confidence in the rebalancing process.

Acceptance Criteria
Threshold-Based Rebalance Preview
Given the portfolio’s asset allocations have deviated beyond the user-defined threshold When the Rebalance Assistant generates a preview Then the UI displays a table listing each proposed trade with asset name, trade quantity, estimated total cost, fee breakdown, and projected post-rebalance allocation percentages
Manual Modification of Proposed Trades
Given a detailed preview of proposed trades When the user adjusts trade quantities or removes specific trades Then the system recalculates and updates estimated costs, fees, and resulting allocation percentages in real time
Approval and Confirmation Workflow
Given the user has reviewed and is satisfied with the proposed trades When the user clicks “Approve Trades” Then a confirmation dialog appears summarizing all trade details and requires explicit confirmation before execution
Fee and Cost Estimation Accuracy
Given current market prices and fee structures When the preview is generated Then the displayed estimated fees must be within 0.5% of the fees incurred during a test execution in the sandbox environment
Post-Rebalance Allocation Verification
Given the approved trades have been executed When the system fetches updated portfolio data Then the actual post-rebalance allocation percentages match the target allocations within a 0.1% variance and are correctly reflected in the dashboard
Risk Impact Analysis
"As a risk-aware investor, I want to see how rebalancing will affect my portfolio's risk metrics so that I can assess whether the changes fit my risk tolerance."
Description

Generate real-time risk metrics such as portfolio volatility, Value at Risk (VaR), and sector exposure before and after the proposed rebalance. Present visual comparisons to help users understand how rebalancing impacts their risk profile and make informed decisions aligned with their risk tolerance.

Acceptance Criteria
Pre-Rebalance Risk Overview
Given a user views the Risk Impact Analysis panel for their current portfolio When the dashboard loads Then real-time metrics for volatility, Value at Risk (VaR), and sector exposure are displayed numerically and graphically within two seconds
Post-Rebalance Risk Comparison
Given the user applies a rebalance suggestion When the system simulates the resulting allocation Then side-by-side visual comparisons of pre- and post-rebalance volatility, VaR, and sector exposures are presented accurately
Risk Tolerance Threshold Alert
Given the user has set a maximum allowable VaR increase When a proposed rebalance exceeds this threshold Then the system flags the exceeded threshold with a red warning and blocks automatic execution
Sector Exposure Limit Validation
Given the user-defined sector exposure limits When a proposed swap would breach any sector limit Then the system highlights the problematic sector, displays an explanatory message, and disables the rebalance action
Visual Change Highlighting
Given pre- and post-rebalance risk metrics When rendering the comparison charts Then any metric change exceeding ±5% is marked with a colored badge and tooltip describing the percentage change
Notifications & Alerts
"As a user, I want to receive timely alerts when my portfolio needs rebalancing so that I can review or approve adjustments before they become overdue."
Description

Send configurable notifications and alerts via in-app messages, email, or push notifications when rebalancing is due based on thresholds or schedules. Alerts include key details and direct links to the rebalance assistant interface, ensuring users stay informed and can take prompt action.

Acceptance Criteria
Scheduled Rebalance Alert Delivery
Given a user has enabled scheduled rebalance alerts for their portfolio When the scheduled rebalance time arrives Then the system sends a notification via each channel the user has selected (in-app, email, push) within 60 seconds And the notification includes the portfolio name, rebalance date, and a direct link to the Rebalance Assistant interface
Threshold-Based Rebalance Alert
Given a user has set drift thresholds for their asset allocation When the portfolio drift exceeds the configured threshold Then the system immediately sends a notification via the user’s chosen channels And the notification details the specific asset(s) out of balance, the current vs. target allocation, and a link to initiate rebalancing
Email Notification Content Accuracy
Given a user receives an email alert for a rebalance event When the user opens the email Then the subject line clearly states “Rebalance Alert for [Portfolio Name]” And the body includes the trigger reason (schedule or threshold), key allocation figures, and a working hyperlink to the Rebalance Assistant
In-App Notification Display and Navigation
Given a user is logged into the Nestfolio app When a rebalance alert is triggered Then a banner or modal appears in the notifications center within 5 seconds And tapping the notification navigates the user directly to the Rebalance Assistant for that portfolio
User Configurable Notification Preferences
Given a user visits the notification settings page When they select or deselect channels (in-app, email, push) or adjust alert schedules and thresholds Then the system saves these preferences immediately And subsequent alerts respect the updated preferences without error

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New York, NY – 2025-07-03 – Nestfolio, the leading micro-investment management platform for young professionals, today announced the launch of its highly anticipated unified visual dashboard. This comprehensive new feature consolidates stocks, crypto, and ETFs in a single interface, eliminating the need for manual spreadsheets and multiple account logins. With real-time account syncing and intuitive daily snapshots, Nestfolio empowers users to gain clear insights into portfolio growth and risk in under a minute, regardless of their finance expertise. Understanding the growing complexity that accompanies today’s micro-investment strategies, Nestfolio’s CEO, Jane Thompson, emphasized the importance of simplicity and clarity. “We built Nestfolio to empower the next generation of investors,” said Thompson. “Young professionals are increasingly diversifying across asset classes, but they shouldn’t have to spend hours reconciling spreadsheets to track performance. Our all-in-one dashboard gives them the confidence to invest smarter and faster.” Key highlights of the new dashboard include: auto-syncing across multiple brokerages and exchanges; a consolidated performance overview that displays total portfolio value, day-to-day growth, and asset-level breakdowns; a dynamic risk meter that measures volatility at both individual holding and aggregate levels; and customizable alerts to notify users of significant movements. Micro-Investor Mike, a beta user and early adopter, shared his experience: “Before Nestfolio, I juggled three different apps and a spreadsheet to keep up with my micro-investments. Now, I open a single screen each morning, see my total position, and know where to focus. It’s a game-changer for busy professionals like me.” In addition to streamlining portfolio tracking, the dashboard integrates educational insights. Each snapshot includes AI-driven commentary on recent performance drivers, top- and bottom-performing assets, and growth forecasts. This narrative context helps both experienced traders and newcomers understand market shifts and make informed decisions. The new dashboard also supports customizable segmentation. Users can group assets by theme—such as “growth tech,” “yield-generating,” or “crypto holdings”—and monitor performance by bucket. This feature addresses the needs of Goal-Oriented Gina, who sets thematic targets for each segment and tracks progress visually. Security remains a top priority. Nestfolio employs bank-grade encryption and read-only API connections, ensuring user data is protected without risking unauthorized transactions. Privacy-Paladin Pete, a security engineer and early tester, commented, “Nestfolio’s security architecture gives me peace of mind. I get a complete view of my investments without ever compromising my credentials or permitting write access.” To coincide with today’s launch, Nestfolio is kicking off a series of virtual workshops and live Q&A sessions. Prospective users can attend tutorials on onboarding, customizing dashboards, and leveraging advanced analytics to optimize portfolios. All sessions are free and open to the public. About Nestfolio Nestfolio is a micro-investment management platform designed for busy professionals who invest across stocks, cryptocurrencies, and ETFs. By consolidating all accounts in one user-friendly dashboard, Nestfolio provides real-time insights, risk analysis, and personalized recommendations in under a minute. Founded in 2024 and headquartered in New York City, Nestfolio’s mission is to make confident, smarter investing accessible to everyone, regardless of financial background. For media inquiries or to schedule an interview, please contact: Sarah Delgado Director of Communications, Nestfolio Email: sarah.delgado@nestfolio.com Phone: +1 (212) 555-0187 Website: www.nestfolio.com

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Nestfolio Introduces Volatility Vantage Live Heatmap to Empower Investors with Real-Time Risk Insights

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New York, NY – 2025-07-03 – Nestfolio, the innovative investment dashboard for micro-investors, today unveiled Volatility Vantage, a groundbreaking feature that delivers live heatmaps of portfolio volatility. Designed for users who prioritize risk awareness, Volatility Vantage visually highlights real-time and historical spikes in asset volatility, enabling investors to act proactively and protect gains in rapidly changing markets. As market conditions become increasingly volatile, young professionals and part-time traders seek tools that clearly display risk without requiring advanced analytics skills. Nestfolio Co-Founder and Chief Product Officer, Marcus Lee, explained the motivation behind Volatility Vantage: “Our community told us they needed an at-a-glance view of risk dynamics. Volatility Vantage does just that—mapping fluctuations with intuitive color coding so users immediately see where risk is rising and can respond accordingly.” Volatility Vantage integrates seamlessly into the existing Nestfolio dashboard, offering: a real-time volatility heatmap across holdings; historical volatility timelines for each asset; customizable threshold settings that trigger in-app and email alerts; and correlation overlays that reveal assets moving in sync during market stress. By combining these elements in one visual, investors like Risk-Analyzer Rachel can compare current volatility to past trends and adjust their allocation strategies. Key Features of Volatility Vantage: • Live Heatmap Display: Color-coded volatility scores update every minute, spotlighting the most turbulent holdings. • Historical Timeline Insights: Users can scroll through past volatility patterns to identify recurring risk events and seasonality effects. • Correlation Map Integration: Visual cues indicate which assets are exacerbating portfolio swings and which are providing natural hedges. • Custom Risk Profiles: Set personalized volatility thresholds per asset or portfolio segment to fine-tune alert conditions. Trailing beta tester and spreadsheet migrator Sam shared his feedback: “I used to export data into Excel and build my own volatility charts. Volatility Vantage saves me hours each week and gives me live insights I simply couldn’t replicate manually. It’s the tool I’ve been waiting for.” To celebrate the release, Nestfolio is hosting a global webinar series beginning next week. Participants will receive live demonstrations of Volatility Vantage, risk-management best practices, and direct access to the product team for Q&A. Attendees will also be eligible for exclusive early-access credits and referral rewards. Industry analysts have already taken note of Nestfolio’s rapid innovation pace. TechFinance Today observed, “Nestfolio’s Volatility Vantage stands out in an overcrowded marketplace by translating complex risk metrics into an accessible, actionable format. It’s a major step forward for democratizing sophisticated portfolio analytics.” About Nestfolio Headquartered in New York City, Nestfolio is a next-generation investment platform that unifies stocks, crypto, and ETFs into a single visual dashboard. Founded by fintech veterans in 2024, Nestfolio’s mission is to simplify investment tracking and risk management for busy professionals and micro-investors. With features like auto-sync, AI-powered insights, and now Volatility Vantage, Nestfolio transforms fragmented data into clear, concise daily snapshots. Media Contact: Evelyn Perez Head of Public Relations, Nestfolio Email: evelyn.perez@nestfolio.com Phone: +1 (646) 555-0194 Website: www.nestfolio.com

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Nestfolio Launches TaxTime Tally for Instant Quarterly Tax-Ready Reports across Stocks and Cryptocurrencies

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New York, NY – 2025-07-03 – Nestfolio, the premier micro-investment platform for millennials and Gen Z professionals, today announced TaxTime Tally, an automated feature that generates comprehensive quarterly tax reports for stocks and digital assets. By breaking down gains and losses per asset class and offering a user-friendly interface, TaxTime Tally addresses one of the most time-intensive and error-prone aspects of investing: tax preparation. According to recent industry surveys, 65% of retail investors cite tax calculations as the most stressful part of managing portfolios. Nestfolio CEO Jane Thompson commented on the launch: “Our users asked for an easy way to handle tax documentation without the headache of manual spreadsheets or expensive accounting services. TaxTime Tally streamlines the entire process so investors can spend less time worrying about forms and more time making strategic decisions.” TaxTime Tally’s core capabilities include: automatic categorization of realized and unrealized gains and losses; support for multiple cost-basis methods, including FIFO, LIFO, and Specific ID; region-specific adaptations for US federal, state, and international tax jurisdictions; and fully formatted IRS- and accountant-ready exports. Within minutes, users can download Schedule D, Form 8949, and bespoke reports tailored to their holdings. This new tax solution was designed with feedback from Crypto Novice Chris, who remarked, “As someone new to cryptocurrency, I was overwhelmed trying to track each trade’s cost basis. TaxTime Tally did all the heavy lifting for me, and I felt confident filing my taxes knowing the data was accurate and compliant.” Key Benefits of TaxTime Tally: • Automated Data Aggregation: Syncs with all linked accounts to pull transaction history and fee data. • Customizable Reporting: Select date ranges, asset classes, and cost-basis methods to generate precise outputs. • Multi-Jurisdiction Compliance: Automatically applies US federal, state, and international regulations to ensure full compliance. • Secure Export & E-File: Produce downloadable PDF and CSV files or e-file directly with trusted partners. In addition to its standard reporting suite, TaxTime Tally offers an Audit-Ready Vault for retention of digital receipts, staking fee records, and exchange statements. All documents are encrypted and stored alongside tax reports for streamlined audit trails and maximum deductible claims. To mark the feature’s debut, Nestfolio is offering a limited-time promotion: subscribers who generate at least one quarterly report before August 31, 2025, will receive free expedited support and a complimentary one-on-one consultation with a certified tax advisor. Nestfolio’s rapid product expansion has garnered attention from top financial publications. Fintech Insights Magazine noted, “TaxTime Tally fills a critical void for micro-investors juggling high-velocity trading in both stocks and crypto. With this launch, Nestfolio cements its position as a comprehensive platform for all aspects of retail investing.” About Nestfolio Nestfolio is a fast-growing fintech company dedicated to simplifying portfolio management for micro-investors. By integrating stocks, cryptocurrencies, and ETFs into a unified dashboard, Nestfolio offers automated insights, risk management tools, and now tax reporting features, all in under a minute. Founded in 2024 and headquartered in New York City, Nestfolio’s mission is to make investing accessible, transparent, and stress-free. Press Contact: Daniel Kim PR Manager, Nestfolio Email: daniel.kim@nestfolio.com Phone: +1 (415) 555-0233 Website: www.nestfolio.com

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