Problems / Design a product, medium

Build a digital wallet like UPI / Paytm

Design a digital wallet from an empty canvas: instant balances, transfers on a ledger, a fraud check before money moves, and notifications.

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What it must do

Scale

Request types to route: balance (70%, read), transfer (10%, write), history (20%, read). Budget: $265,000 a month.

Estimate first

The test cases

You start from an empty canvas. When you run the tests, each one simulates your design with its own traffic and failures:

TestWhat it doesPasses when
Normal dayThe normal day: the traffic in the brief, nothing broken.Success ≥ 99%; Success ≥ 99% (transfer); p99 latency ≤ 150 ms (balance); p99 latency ≤ 1.5 s (transfer); p99 latency ≤ 400 ms (history)
Festival dayAt 5 s everyone sends festival money at once: traffic jumps to 3× for 8 s.Success ≥ 99%; p99 latency ≤ 300 ms (balance); p99 latency ≤ 2.5 s (transfer)
Database 4× slowerAt 5 s the main database on the request path answers 4× slower for 8 s.Success ≥ 99%; p99 latency ≤ 300 ms (balance)
A server diesAt 4 s one server of the first app service on the request path dies for 10 s.Success ≥ 99%
Budget: $265,000/monthThe normal day's design must cost at most $265,000 a month.Cost ≤ $265,000/month

Must include

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