Official Product & System Architecture Guide

Functional Requirements & Technical Architecture

A comprehensive guide covering module-wise functional requirements, user journeys, cryptographic security specifications, and demo testing credentials for Will & Beyond 2.1.

Version: 2.1 Production
Classification: Confidential Client & QA Guide
Compliance: DPDP Act 2023 • AES-256 GCM

1. Executive Overview

Will & Beyond combines legally enforceable testamentary planning under the Indian Succession Act, 1925 with an encrypted digital legacy suite (The Beyond Legacy Suite). It provides seamless estate continuity for resident Indian families, Non-Resident Indians (NRIs) with global assets, and High-Net-Worth business entities (HUFs).

Core Platform Value Pillars

  • Advocate-Drafted Legal Accuracy: Automated generation of legally tested Will clauses reviewed by empanelled High Court advocates.
  • Beyond Digital Legacy Continuity: Bank-grade encrypted storage for credentials, passive Proof-of-Life heartbeats, and multi-generational family trees.
  • Multi-Sig Demise Consensus: Prevents premature unsealing by requiring 2-of-3 verified emergency contact co-signatures before executor handoff.
  • Turnkey Wealth Advisor Portal: Empowers SEBI RIAs, Chartered Accountants, and Wealth Managers to onboard clients with automated multi-tier commission tracking.

2. Demo Test Users Directory

The following pre-configured user accounts are active in the live environment for integration testing, user journey verification, and partner demonstrations.

Persona / Role Demo User Name Login Email Password Scope & Pre-loaded Context
Resident Family Client Aditya Sharma aditya.client@willbeyond-demo.in Password@123 Powai 3BHK Flat, ₹35L Bank FDs, ₹2 Cr Term Insurance, active Beyond Vault & Medicine schedule.
NRI Cross-Border Client Rajesh K. Varma (NRI) rajesh.nri@willbeyond-demo.in Password@123 SBI NRE/NRO Accounts (₹1.8 Cr), Dubai freehold property (₹4.5 Cr), cross-border jurisdiction clauses.
HNI / HUF Testator Vikramaditya Singhania vikram.hni@willbeyond-demo.in Password@123 Singhania HUF commercial assets (₹12 Cr), Karta succession protocol, multi-sig consensus rules.
Wealth Advisor (Tier 1 CP) Sanjay Mehta sanjay.advisor@willbeyond-demo.in Password@123 SEBI RIA portal, referral code APEX-WEALTH, active client roster, commission ledger.
CA / Planner (Tier 2 CP) Pooja Iyer pooja.ca@willbeyond-demo.in Password@123 ICAI CA portal, referral code IYER-CA, sub-partner hierarchy linked under Tier 1.
High Court Advocate Adv. Ranganathan Swamy advocate.legal@willbeyond-demo.in Password@123 Advocate review queue, statutory compliance checker under the Indian Succession Act.
Legal Executor Col. Arvind Menon (Retd.) executor.menon@willbeyond-demo.in Password@123 Active Executor Workspace, probate filing handoff, unsealed document access tokens.
Designated Beneficiary Sunita Sharma sunita.beneficiary@willbeyond-demo.in Password@123 Emergency contact co-signer tokens, beneficiary inheritance claims workspace.

3. Module-Wise Requirements & Use Cases

Module 1: Online Will Creation & Succession Lifecycle Legal Framework

Enables testators to complete structured questionnaires detailing biographical data, immovable real estate titles, movable investments (FDs, mutual funds, demat equities), insurance policies, and minor child guardians.

  • Resident Indian Families: Full testamentary disposition covering self-acquired assets, ancestral rights, and appointment of 2 adult witnesses.
  • NRI Dual-Jurisdiction Wills: Unifies Indian NRE/NRO bank deposits and real estate with overseas assets (Dubai/Singapore/UK) with conflict-of-law clauses.
  • HUF & Business Succession: Segregates personal wealth from Hindu Undivided Family (HUF) coparcenary rights and specifies subsequent Karta appointment protocols.
Module 2: The Beyond Legacy Suite Digital Continuity

A comprehensive digital estate ecosystem operating alongside legal Wills:

  • Proof-of-Life Heartbeat Protocol: Automated check-in timer (30–180 days) with WhatsApp, SMS, and voice IVR escalation.
  • Encrypted Credentials Vault: Hardware-grade AES-256-GCM envelope encryption for online banking credentials, demat accounts, crypto seeds, and property deeds.
  • Health & Medicine Guardian: Daily dosage schedule and prescription vault with passive heartbeat auto-resets upon medicine confirmation.
  • 4-Pillar Protection Risk Meter: Mathematical safety score evaluating Human Life Value (10x income target), health insurance floater, asset documentation, and debt shields.
  • Interactive Family Tree Builder: Visual lineage graph with photo avatars, HUF coparcener tagging, minor guardian links, and visual asset % allocations.
  • Legacy Video & Voice Vault: Confidential farewell messages and ethical wills sealed until verified demise or milestone delivery dates.
Module 3: Partner & Wealth Advisor Network B2B Channel Engine

Dedicated portal for SEBI RIAs, Chartered Accountants, and Wealth Planners:

  • Co-Branded Client Onboarding: Unique invite links (APEX-WEALTH, IYER-CA) and progress tracking.
  • Multi-Tier Hierarchy: Automatic calculation of direct and sub-partner commission splits recorded in the platform's double-entry commission ledger.
  • Tax & GST Invoicing: Automated generation of partner payout requests and compliant billing statements.
Module 4: Demise Verification & Claims Protocol Zero-Alarm Security

Guarantees documents are only unsealed following rigorous multi-party consensus:

  • Multi-Sig Consensus: Minimum 2-of-3 emergency contact cryptographic co-signatures and death certificate validation before estate unsealing.
  • Executor Workspace: Dedicated portal providing designated legal executors with certified Will copies, asset checklists, and advocate instructions for court probate filings.
  • Beneficiary Claims Portal: Secure individual workspaces for heirs to claim specific assigned assets and view personal farewell videos.

4. Technical Specifications & Security Standards

4.1 Cryptographic & Encryption Model

Will & Beyond utilizes an Envelope Encryption Architecture (AES-256-GCM):

4.2 4-Pillar Protection Risk Formula

The financial safety score $S_{\text{total}} \in [0, 100]\%$ is mathematically computed as:

S_total = (0.35 × S_HLV) + (0.25 × S_Health) + (0.20 × S_Asset) + (0.20 × S_Debt)

Where $S_{\text{HLV}} = \min\left(1.0, \frac{\text{Term Insurance Cover}}{\text{Annual Income} \times 10}\right) \times 100$, identifying protection shortfalls in real time.

4.3 Statutory Compliance