Build Franchise-Ready OTC Automation Backend (Binance P2P + NPP + Sumsub)
Budget: $5,000 – $10,000 AUD
We’re building a production-grade backend system for an OTC operation integrated with Binance P2P Merchant API, NPP (fiat payment rails), and Sumsub (KYC/KYB/AML). The system runs entirely in the backend, while all customer-facing interactions (ads, orders, chat, KYC screens) remain on Binance’s native front end. The goal is to automate order execution, payment settlement, KYC checks, and reconciliation — and make the system franchise/white-label ready for multi-tenant use.
Objectives
Automate OTC operations on Binance P2P via API (ads, pricing, orders, status).
Automate fiat flows using NPP (inbound/outbound with reconciliation and retries).
Automate identity/risk checks using Sumsub webhooks (L1/L2/L3 tiering, AML flags).
Enable franchising: multi-tenant isolation, one-click tenant setup, revenue split, brand config.
Deliverables
1. Connectors
• Sumsub: applicant create/continue, webhook decisions, risk snapshots, tiering (L1/L2/L3).
• NPP: pay-in webhook consumer (unique reference matching), payout initiation, signature verification, idempotency, retries, exception queue, daily reconciliation.
• Binance P2P: ad lifecycle (create/pause/update), pricing bot (spread/fees/FX/inventory formula), order ingestion & state machine, evidence bundle (receipt hash, payer name/BSB last 4, timestamps).
2. Operator Console (Web)
• Views: Orders, Payments, Reconciliation, Users/KYC, Rules, Alerts.
• Actions: Approve/Reject, Pause ads, Retry payouts, (if needed) manual release.
• Two-person control for releases & rule changes. RBAC: Admin/Operator/Finance/Compliance/Franchisor/Franchisee.
3. Ledger & Reconciliation
• Double-entry journal (immutable append log).
• Daily reconciliation: internal ledger vs NPP statements; exceptions queue; CSV exports for audit/banks.
4. Franchise/White-Label Kit
• Multi-tenant isolation (data, secrets, configs per tenant).
• One-click tenant bootstrap (brand, domain, logo, spread, fees, limits, risk thresholds, API keys).
• Franchisor dashboard (cross-tenant KPIs); Franchisee sees only its own data.
• Revenue share reporting; white-label themes & email templates.
5. Security & Compliance
• Field-level PII encryption (KMS/rotation), least-privilege IAM, webhook signature checks, write-once audit logs.
• AUSTRAC-friendly artifacts: CDD/EDD mapping, ongoing monitoring, SMR/SAR draft templates, 7-year retention.
6. Docs & Runbooks
• OpenAPI contracts, sequence diagrams, env/secrets matrix, reconciliation SOP, incident playbooks, tenant onboarding guide.
Objectives
Automate OTC operations on Binance P2P via API (ads, pricing, orders, status).
Automate fiat flows using NPP (inbound/outbound with reconciliation and retries).
Automate identity/risk checks using Sumsub webhooks (L1/L2/L3 tiering, AML flags).
Enable franchising: multi-tenant isolation, one-click tenant setup, revenue split, brand config.
Deliverables
1. Connectors
• Sumsub: applicant create/continue, webhook decisions, risk snapshots, tiering (L1/L2/L3).
• NPP: pay-in webhook consumer (unique reference matching), payout initiation, signature verification, idempotency, retries, exception queue, daily reconciliation.
• Binance P2P: ad lifecycle (create/pause/update), pricing bot (spread/fees/FX/inventory formula), order ingestion & state machine, evidence bundle (receipt hash, payer name/BSB last 4, timestamps).
2. Operator Console (Web)
• Views: Orders, Payments, Reconciliation, Users/KYC, Rules, Alerts.
• Actions: Approve/Reject, Pause ads, Retry payouts, (if needed) manual release.
• Two-person control for releases & rule changes. RBAC: Admin/Operator/Finance/Compliance/Franchisor/Franchisee.
3. Ledger & Reconciliation
• Double-entry journal (immutable append log).
• Daily reconciliation: internal ledger vs NPP statements; exceptions queue; CSV exports for audit/banks.
4. Franchise/White-Label Kit
• Multi-tenant isolation (data, secrets, configs per tenant).
• One-click tenant bootstrap (brand, domain, logo, spread, fees, limits, risk thresholds, API keys).
• Franchisor dashboard (cross-tenant KPIs); Franchisee sees only its own data.
• Revenue share reporting; white-label themes & email templates.
5. Security & Compliance
• Field-level PII encryption (KMS/rotation), least-privilege IAM, webhook signature checks, write-once audit logs.
• AUSTRAC-friendly artifacts: CDD/EDD mapping, ongoing monitoring, SMR/SAR draft templates, 7-year retention.
6. Docs & Runbooks
• OpenAPI contracts, sequence diagrams, env/secrets matrix, reconciliation SOP, incident playbooks, tenant onboarding guide.