🏦 Complete Digital Banking Platform for WordPress

Konoz Digital Finance Management System transforms your WordPress site into a fully-functional digital bank. Perfect for fintech startups, microfinance institutions, credit unions, and financial platforms.

🎯 What You Get:

• Core Banking: Account management, transfers, beneficiaries, real-time balance tracking
• Loan Engine: Multiple loan types, EMI calculators, approval workflows, payment tracking
• Investment Products: DPS (Deposit Pension Scheme), FDR (Fixed Deposits) with auto-interest
• Virtual Cards: Issue digital debit/credit cards with annual fees and limits
• Payment Gateways: Stripe + PayPal integration with webhooks
• Multi-Currency: Many currencies with real-time exchange rates
• Cryptocurrency: Buy/sell BTC, ETH, USDT with wallet integration
• Security Suite: 2FA, KYC/AML compliance, fraud detection engine
• Central Wallet: Master treasury with sandbox/production modes
• Communications: SMS/Email notifications, auto-statements, newsletters

💼 Use Cases:

Digital banks • Microfinance • Credit unions • Lending platforms • Savings cooperatives • Investment clubs

⚡ Technical Highlights:

✓ 40+ Frontend shortcodes | ✓ RESTful API | ✓ Double-entry accounting | ✓ Mobile responsive | ✓ GDPR ready | ✓ PCI-DSS compliant

✓ Complete account management with unique account numbers
✓ Inter-account transfers with beneficiary system
✓ Loan management with EMI schedules and guarantors
✓ DPS & FDR investment products with auto-maturity
✓ Virtual card issuance (Standard/Gold/Platinum tiers)
✓ Stripe + PayPal payment gateway integration
✓ Multi-currency support (150+ currencies)
✓ Two-Factor Authentication (2FA)
✓ KYC/AML document verification system
✓ Fraud detection with risk scoring
✓ SMS & Email notification system
✓ Central Wallet treasury management
✓ Automated statement generation (PDF/CSV)
✓ Transaction reporting & analytics dashboard
✓ Staff management with role-based permissions
✓ RESTful API with OAuth authentication
✓ Scheduled/recurring payments
✓ White-label branding support
✓ Sandbox mode for testing
✓ Expense tracking and budgeting
✓ Newsletter subscription management
✓ Comprehensive audit logging

WordPress: 5.8 or higher (tested up to 6.4)
PHP: 7.4 or higher (8.0+ recommended)
MySQL: 5.6 or higher (8.0+ recommended)
Memory: 128MB minimum (256MB+ recommended)
SSL Certificate: Required for production use
Server: Apache or Nginx with mod_rewrite
Permalink Structure: Must be set to "Post name" 

Optional (for full features):
- Stripe account (for card payments)
- PayPal Business account (for PayPal payments)
- Twilio account (for SMS notifications)
- SMTP server (for email delivery)

INSTALLATION:
1. Upload ZIP via WordPress Admin → Plugins → Add New
2. Activate the plugin
3. Go to Settings → Permalinks → Select "Post name" → Save (CRITICAL!)

INITIAL SETUP:
1. Navigate to Konoz Dashboard in admin menu
2. Go to System Settings → Configure bank name and branding
3. Go to Central Wallet → Initialize wallet in Sandbox mode
4. Go to Payment Settings → Add Stripe/PayPal credentials (optional)

CREATE PAGES : Pages will be auto created upon activating the plugin.

FULL SHORTCODE LIST:
See included documentation PDF (page 10-12) for 40+ available shortcodes

PAYMENT GATEWAY SETUP:
Stripe: Add API keys in Payment Settings
PayPal: Configure Client ID and Secret
Test in Sandbox mode before going live

DOCUMENTATION:
Complete 14-page PDF guide included in package