Banking App (React + Django)

A full-stack fintech-style banking application that allows users to securely manage wallets, transfer funds, and track financial activity.

The application focuses on secure financial transactions, data integrity, and production-ready backend architecture.

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Features

• User Authentication (JWT)
• KYC Verification
• Wallet System
• Secure Fund Transfers
• Beneficiary Management
• Stripe Payment Integration (Wallet Top-up)
• Transaction History with Pagination
• Notification System
• API Rate Limiting
• Dark / Light Mode UI

Financial Safety Mechanisms

• Atomic Transactions

  • Ensures wallet transfers complete fully or not at all.

• Automatic Database Rollback

  • If any step fails during a transfer, all database changes are reverted.

• Row-Level Locking

  • lock wallets during transactions.
  • Prevents race conditions and double spending.

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Tech Stack

Frontend

• React
• TailwindCSS

Backend

• Django
• Django REST Framework
• Gunicorn (production server)

Database

• PostgreSQL

Payments

• Stripe

Deployment

• Frontend: Vercel
• Backend: Render (Docker container)

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Backend Architecture Highlights

Secure Transaction Processing

Financial transfers are protected using:

• Database transactions
• Row-level locking
• Automatic rollback on failure

This ensures consistent wallet balances even during concurrent requests.

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API Protection

Sensitive endpoints use rate limiting to prevent abuse.

Examples:

• Login endpoint
• Fund transfer endpoint

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Local Development Setup

Backend

cd Backend
pip install -r requirements.txt
python manage.py migrate
python manage.py runserver

Backend runs at:

http://localhost:8000

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Frontend

cd frontend
npm install
npm run dev

Frontend runs at:

http://localhost:5173

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Running Backend with Docker

Build Docker image:

docker build -t banking-backend .

Run container:

docker run -p 8000:8000 banking-backend

The API will be available at:

http://localhost:8000

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Future Improvements

• Email Notifications
• WebSocket-based real-time notifications
• Background jobs (Celery + Redis)
• Microservice architecture for payments
• Enhanced fraud detection mechanisms