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Real Estate Referral Platform with Wallet & BNPL
Real Estate Referral Platform with wallet, BNPL, referral engine, and community deal management built for Atul & Company in Pune.
The Challenge
Atul & Company, based in Pune, wanted to digitise their community-driven property and product deals through a scalable Real Estate Referral Platform.
They faced multiple operational and technical challenges:
Manual tracking of referrals and commissions
No structured wallet or token-based transaction model
Lack of transparent deal lifecycle tracking
No integrated BNPL system for high-value purchases like plots or cars
Difficulty managing distributors, advertisers, and third-party gift deliveries
Limited fraud detection in referral systems
Additionally, they needed a platform capable of handling:
Super Admin, Admin, and User roles
Token payments with threshold-based deal execution
Referral caps and redemption rules
Wallet funding via Google Pay and PhonePe
CIBIL-based BNPL eligibility
End-to-end commission automation
The goal was to create a highly configurable, scalable, and secure community commerce ecosystem.
Our Solution
AaiNova designed and developed a full-scale Real Estate Referral Platform powered by Laravel, Vue.js, and MSSQL.
🔹 Role-Based Access & Governance
Super Admin with full system control
Admin-level operational controls
User-level wallet, referral, and BNPL access
Granular permissions and fraud validation rules
🔹 Referral Engine with Smart Controls
Download + registration validation logic
Referral analytics dashboard
Fraud signal detection
10,000-point redemption cap per transaction
Unlimited referral eligibility with configurable rules
🔹 Wallet & Token Economy
Configurable wallet usage rules
Google Pay & PhonePe integration
BNPL + wallet combined payment options
Global wallet liability reporting
Non-transferable, non-cash redemption restrictions
🔹 BNPL with CIBIL Integration
Lending partner onboarding
Real-time eligibility verification
Consent-based CIBIL checks
Repayment schedule visibility
🔹 Community Deal Workflow Automation
Complete lifecycle automation:
Product → Token Payment → User Threshold → Distributor Confirmation → Delivery → Commission Transfer → Deal Closure
🔹 Gifting & Third-Party Delivery
Physical and e-gift support
Configurable gift categories
Referral points + wallet + BNPL-based gifting
🔹 AI-Powered Monitoring
Using our AI as a Service capabilities, we embedded:
Referral anomaly detection
Wallet misuse flagging
Commission analytics forecasting
You can explore more about our AI capabilities here: AI as a Service
Our design and development execution was aligned with our structured delivery framework: Delivery Models
For similar enterprise-grade platforms, explore: AI Data Analytics Platform for Manufacturing
The Results
The platform transformed Atul & Company’s operations into a structured, scalable digital ecosystem.
🚀 Business Impact
100% digitized referral tracking
Automated commission calculations
Reduced fraud risk in referral claims
Increased deal participation through wallet & BNPL flexibility
Faster distributor coordination
Transparent SLA-driven complaint management
New monetisation channel via Google Ads integration
The Real Estate Referral Platform is now positioned to scale across multiple communities and high-value real estate deals.
App Screenshots
Web Screenshots
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