PRODUCT REQUIREMENTS DOCUMENT (PRD)

Product: EastPay v2 - AI-Driven Currency Exchange
Version: 2.0
Last Updated: January 2026

1. Product Overview

1.1 Problem Statement

Currency exchange in Southeast Asia, UAE, and Russia is fragmented:

• Clients don't know where to find reliable exchange services
• Operators spend hours on repetitive questions
• Rates are inconsistent across channels
• No unified system for tracking deals

1.2 Solution

EastPay v2 provides a unified platform where:

• Clients interact via Telegram bot (24/7 availability)
• AI handles routine inquiries
• Operators focus on deal approval and exceptions
• Rates are calculated automatically with consistent margins

1.3 Target Users

2. User Roles & Permissions

2.1 Client (Telegram User)

Capabilities:

• Start exchange flow via bot
• View current rates for their city
• Submit exchange requests
• Upload KYC documents
• View order history
• Contact support

Restrictions:

• Cannot see internal rates (cost price)
• Cannot modify own orders after submission

2.2 Operator

Capabilities:

• View orders assigned to them
• Change order status (pending -> processing -> done)
• Add notes to orders
• View client KYC documents
• Mark orders as paid/completed

Restrictions:

• Cannot modify rates
• Cannot see other operators' orders (unless escalated)
• Cannot delete orders

2.3 City Manager

Capabilities:

• Everything Operator can do, plus:
• View all orders in their city
• Modify local rates (within limits)
• Reassign orders between operators
• View city-level analytics

Restrictions:

• Cannot modify rates for other cities
• Cannot access global settings

2.4 Admin

Capabilities:

• Full system access
• User management (create/edit/delete)
• Global rate management
• View all analytics
• System configuration
• Access audit logs

3. Order Lifecycle

3.1 Order Statuses

┌─────────┐    ┌────────────┐    ┌────────────┐    ┌──────────┐    ┌──────┐
│   NEW   │───>│ CALCULATED │───>│ PROCESSING │───>│ PAYMENT  │───>│ DONE │
└─────────┘    └────────────┘    └────────────┘    └──────────┘    └──────┘
     │              │                  │                │
     │              │                  │                │
     ▼              ▼                  ▼                ▼
┌─────────┐    ┌──────────┐      ┌──────────┐     ┌──────────┐
│ EXPIRED │    │ REJECTED │      │ CANCELLED│     │  FAILED  │
└─────────┘    └──────────┘      └──────────┘     └──────────┘

3.2 Status Definitions

3.3 Status Transitions Rules

4. KYC Requirements

4.1 KYC Levels

4.2 Required Documents

Level 1:

• Full legal name
• Selfie photo

Level 2:

• Government-issued ID (passport/national ID)
• Proof of address (utility bill, bank statement)

Level 3:

• Video call verification
• Source of funds declaration

4.3 KYC Verification Flow

1. Client initiates exchange
2. System checks current KYC level
3. If order amount > level limit:
   • Prompt for additional documents
   • Hold order until verified
4. Operator/System verifies documents
5. KYC level upgraded
6. Order continues

5. Notification System

5.1 Client Notifications (via Telegram)

5.2 Operator Notifications

6. Business Rules

6.1 Rate Calculation Rules

1. Base rate comes from market_rates table (external feed)
2. Cost price = Base rate + partner commission (from instruments)
3. Selling rate = Cost price + our margin (from rates matrix)
4. Client sees only selling rate
5. Profit = (Selling rate - Cost price) * amount

6.2 Order Amount Rules

• Minimum order: $50 equivalent
• Maximum order: Based on KYC level
• Large orders (>$10k): Require manual approval
• VIP clients: Custom limits

6.3 Operating Hours

• Bot: 24/7 (AI handles basic queries)
• Operators: 09:00 - 22:00 (local time per city)
• Outside hours: Orders queue for next day

7. Communication Scripts

7.1 Tone of Voice

• Professional but friendly
• Clear and concise
• No jargon
• Emoji usage: Minimal, appropriate (checkmarks, currency symbols)

7.2 Message Templates

Order Created:

Your exchange request has been received.

Amount: {give_amount} {give_currency}
You receive: {receive_amount} {receive_currency}
Rate: {rate}

An operator will contact you shortly.
Order ID: {order_id}

Rate Quote:

Current rate for {city}:
{give_currency} -> {receive_currency}

Rate: {rate}
Valid for: 15 minutes

Reply "CONFIRM" to proceed.

Order Completed:

Your exchange is complete!

Exchanged: {give_amount} {give_currency}
Received: {receive_amount} {receive_currency}

Thank you for using EastPay!

8. Analytics Requirements

8.1 Dashboards Needed

Admin Dashboard:

• Total orders (today/week/month)
• Revenue and profit
• Orders by status
• Orders by city
• Conversion funnel

City Manager Dashboard:

• City-specific metrics
• Operator performance
• Rate comparison

Operator Dashboard:

• My orders
• Pending actions
• Personal stats

9. Integration Points

10. Non-Functional Requirements

10.1 Performance

• Page load: < 2 seconds
• Rate calculation: < 500ms
• Search results: < 1 second

10.2 Availability

• Uptime target: 99.5%
• Planned maintenance: Off-peak hours only

10.3 Security

• All data encrypted in transit (HTTPS)
• PII encrypted at rest
• RLS policies on all tables
• Audit logging for sensitive operations