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№ 06 — CONSUMER FINTECH
One dashboard for a financial identity scattered across nine industries.
THESIS
Your financial identity lives in fragments: three consumer bureaus, D&B for your business, public-records vendors, identity brokers, mortgage underwriters. This Is Credit (built for Bolt Credit Services) consolidates all of it into one consumer dashboard — monitoring, disputes, business credit, and mortgage readiness.
The architectural bet: the UI must never touch a vendor API directly. Every data source sits behind a vendor-independent provider interface, so graduating from demo data to Xactus, D&B Direct+, LexisNexis, or Persona means writing one adapter file — with zero UI changes.
THE BUILD
A richly-typed domain model — bureau scores, credit accounts, disputes, PAYDEX, public records, KYC consent — with a single-line provider registry mapping every layer to its implementation. The expensive integrations are designed before they’re bought.
A hand-rolled inline-SVG three-bureau trend chart: computed axis ticks, hover crosshair and tooltip, animated end markers, a single selective direct label to avoid collisions, and a <details> data-table fallback for accessibility.
The hero renders a drifting, proximity-linked network of data-source nodes feeding one dashboard — theme-aware, reduced-motion-compliant, offscreen-paused, with gentle cursor repulsion. It replaced an earlier WebGL aurora after honest performance review.
Middle-of-three-bureau score selection, DTI computation, FHA / VA / Conventional qualification flags, and a weighted 0–100 readiness composite surfaced through a live calculator.
FCRA permissible purpose, CROA disclosures, GLBA safeguards, and state CSO registration mapped in writing before any real consumer data is allowed near the system.
SCREENS
SIGNALS
STACK
WHAT IT PROVES
Architecture discipline: designing for the integration you haven’t paid for yet, hand-building the visualization layer to an accessibility spec, and treating compliance as a design input instead of an afterthought.