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Production Deployed
bolt Fintech replatform • AI-DLC Success Case

How Payminty re-platformed 4 separate applications onto a single unified platform – in record time.

The Payminty product team has full control over their entire product stack using conversational natural language on the Product Sweet platform employing an AI-DLC model. Transforming delivery from months to weeks with built-in quality controls, continuous validation, and human oversight ensuring every outcome is trusted, governed, and production ready.

SYSTEM Scope 4 Touchpoints Public Web, CRM, Admin & Mobile Apps
Delivery Timeline Under 6 Mths vs. traditional 1–2 years rewrite
Code Autonomy 100% Native Clean React & Native, zero lock-in, Git-controlled
Risk & Governance Stage-Gated Human-verified quality, automated parity checks
Architectural Blueprint

One Platform, Four Surfaces.

Product Sweet allows you to set up and manage each application as separate, dedicated projects empowering your team to orchestrate, update, and maintain multiple apps and customer portals from a single unified platform.

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Central Powerhouse

Product Sweet AI-DLC Engine

The Payminty team issues changes in natural language. Deterministic validation agents ensure compliance, schema consistency, and code quality before releasing production-ready software.

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Current State (Rewrite) Engine Extracts & documents logic, rebuilds cleanly in React.
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Future State (Modify) Engine Embedded in workflow for continuous safe shipping.
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Automated Audit & Parity Logs Sub-second validation and zero-drift verification across targets.
Deterministic Validation v4.0 Ready
01 • Public Web language

www.payminty.com

High-converting, performance-tuned landing site featuring merchant onboarding funnels and real-time fee estimators.

Status: Live • Automated SEO & SSR
02 • CRM Portal admin_panel_settings

https://crm.payminty.co.nz/

CRM Maintenance Portal — Internal support console, merchant KYC verification, fleet terminal management.

Status: Live • Role-Based Granular Access
03 • Customer Admin dashboard

https://admin.payminty.co.nz/

Customer Admin Portal — Real-time transaction reconciliation, automated settlement reporting, fee adjustments, and multi-location merchant insights.

Status: Live • Low-Latency WebSocket Feeds
04 • Payminty+ App point_of_sale

Payminty+ app

iOS & Android hardware-integrated mobile POS enabling contactless tap-to-pay, QR billing, and instant digital receipts.

App Store & Google Play Deployed
Lifecycle Architecture

Two Agents. One Continuous Lifecycle.

"We don't hand you a finished portal and walk away. We hand you a portal and the means to keep improving it."

1

Legacy Portal

As-is behavior, undocumented rules, accumulated debt.

2

Agent 1 — Rewrite

Extracts and documents logic, rebuilds cleanly in React.

3

New React Portal

Modern, fully documented, parity-proven architecture.

4

Agent 2 — Modify

Allows changes to flow in continuously and safely.

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Phase 1 Engine

Agent 1 — Rewrite

Converts as-is legacy behavior into clean, conventional React, readable by any engineer, not just the agent. Eliminates guesswork by extracting hard-coded business logic directly into structured, documented epics and specs.

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Phase 2 Engine

Agent 2 — Modify

Embedded directly in your team's workflow, so your existing team can ship changes to the new portal at any time. Changes are automatically validated with parity testing before release, avoiding long-term maintenance decay.

AI-DLC: Artificial Intelligence Delivery Lifecycle

Traditional SDLC vs. Product Sweet AI-DLC

Why a traditional rewrite is old school and how the AI-DLC model transformed Payminty's velocity and cost structure.

High Friction

Traditional SDLC Rewrite

Outsourced agency or in-house teams using legacy sequential waterfalls.

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Timeline 1 – 2 Years Drift and sequential specifications, prolonged QA testing bottlenecks, compounded by offshore handoffs.
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Team Model 12 FTEs Across 9 Role Types Requires BA, PO, Dev, QA, SA, EA, PM, DL drowning in endless coordination tax and sync meetings.
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Cost & Risk NZD $2M+ with Escalating Drag Manually handled tickets end-to-end; continuous stop/start nature drives real costs well above original budget.
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What You Own After A New Black Box Can only be modified using the same high-overhead SDLC that created the initial maintenance backlog.
Payminty Outcome

Product Sweet AI-DLC

AI-powered software delivery that amplifies and empowers your existing team.

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Timeline 4 – 6 Months Live production deployment; transforms software delivery from years to months with continuous validation.
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Team Model Direct Team Direction Your team sets direction; AI agents and human consultants handle repetitive coordination and heavy lifting.
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Cost & Risk Fraction of Traditional Cost Amplified productivity within appropriate guardrails; stage-gated, incentive-backed milestones verify quality.
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What You Own After Modern, Always-On Application Your team can easily extend ongoing using the Modify agent without spinning up a costly new project.
Incentive-Based Delivery

Delivery Quality and Auditability — Built In

Four incentive-based stage gates. Real humans verify key deliverables — payment only follows approval.

1

Document

Legacy code and documentation turned into structured epics, features & user stories.

Gate 1 Checkpoint You approve → Payment 1
2

Refine

Scope, environments, realistic test data & Acceptance Criteria confirmed.

Gate 2 Checkpoint You approve → Payment 2
3

Rewrite

Rebuilt in clean, conventional React and tested continuously in parallel.

Gate 3 Checkpoint You approve → Payment 3
4

Release

Live in PROD, and the Modify Agent is handed to your internal team.

Final Gate Checkpoint You approve → Final payment

No slop, by design: Total transparency, no long-term lock-in for projects that fail to deliver — never pay for an unvalidated stage.

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"Product Sweet allowed our product team to have direct, unambiguous control over our entire stack. From CI/CD pipelines to mobile apps – simply by describing our intent. It fundamentally changed our ability to deliver and allowed us to move faster with less risk."
PM
Product Management
Payminty New Zealand • www.payminty.com
Low-Risk Discovery

Get Started with a Low-Risk Pilot.

Pick a real epic or feature from your backlog. We'll deliver it using the AI-DLC workflow, support deployment to pre-prod, and measure speed and delivery outcomes against your current process.

check_circle Delivered Epic / Feature check_circle Documented Artefacts check_circle Automated Tests check_circle Deployment Support check_circle Delivery Reporting & Retrospective
verified 50+ Years Combined Enterprise Experience verified 100% IP & Code Ownership verified Auckland, New Zealand Based