Save Small. Grow Big.
Website Prototype -[(https://v0-sparevestmain.vercel.app/) )
SpareVest is a smart web app that empowers users to automatically invest their spare change or small amounts into crypto-backed funds using USDT (Tether). Inspired by the Jar app’s gold model, SpareVest brings the same simplicity and automation to the world of stablecoin investing.
SpareVest is a micro-investment platform that:
- Rounds up your daily purchases and invests the spare change in USDT-backed funds.
- Enables auto-pilot investing with daily or weekly auto-debits as low as ₹10.
- Provides a real-time dashboard to track investments, USDT value, and fund growth.
- Ensures bank-grade security and Web3 transparency for all users.
- Automated Round-Ups: Invest spare change from every transaction.
- USDT-Based Diversification: Access global DeFi micro-assets and crypto pools.
- Fractional Investing: Start with as little as ₹10.
- Goal-Based Portfolios: Set financial goals and track your progress.
- Financial Education: In-app tips and learning modules.
- Secure & Compliant: KYC, encryption, and regulatory adherence.
- User-Friendly Interface: Simple, intuitive design for all experience levels.
| Layer | Technologies Used |
|---|---|
| Frontend | React.js, Tailwind CSS, Axios, Chart.js |
| Backend | Node.js, Express.js, JWT |
| Database | MongoDB (Atlas), Firebase (push notifications) |
| Crypto Layer | USDT (Tron/Polygon), Metamask Integration |
| Wallet Service | Web3.js / Ethers.js, Coinbase/Trust integration |
| Security | bcrypt, OTP Auth, reCAPTCHA v3, Cloudflare |
| Hosting | Vercel (frontend), Render (backend API) |
- KYC Verification: Aadhaar/Phone OTP for compliance
- 256-bit Encryption: All user and wallet data
- Multi-Factor Authentication (MFA): On sign-in
- Cold Wallet Options: For large balances
- AML & Wallet Screening: To avoid blacklisted crypto
- Transaction Signing & Role-Based Access Control
Note: SpareVest does not hold custody of user funds. All wallet connections are secure and decentralized.
- Micro Transaction Fees: Small fee (₹0.50–₹2) per USDT transaction.
- Yield Sharing from Partner Pools: Collaborate with verified DeFi protocols and share yields from pooled funds.
- Premium Analytics & Smart Invest Plans: Subscriptions for curated USDT portfolios, investment bots, or auto-rebalancing.
- Crypto to Fiat Conversion Charges: Small fee for INR withdrawals or UPI wallet transfers.
- B2B Licensing: White-label our round-up & USDT micro-investment system for other fintechs.
🛒 User buys coffee for ₹93 → App rounds up to ₹100
💰 ₹7 is auto-invested into a USDT pool (using user's linked wallet)
📈 User tracks USDT balance and fund performance in dashboard
🔁 Weekly spare-change investments continue passively
sparevest/
│
├── client/ # Frontend - React + Tailwind
│ ├── components/ # UI Widgets, Chart Visuals
│ └── pages/ # Dashboard, Wallet Connect, Settings
│
├── server/ # Node.js Backend API
│ ├── routes/ # /invest, /wallet, /kyc
│ └── services/ # Crypto integration & automation logic
│
├── scripts/ # Roundup Engine, Daily Automation
├── docs/ # API Docs, Compliance PDFs
└── README.md
# Clone the repository
git clone https://github.com/your-org/sparevest.git
cd sparevest
# Install dependencies
cd client && npm install
cd ../server && npm install
# Run locally
npm run dev- Web Wallet Integration
- USDT Round-Up Engine
- INR to USDT Conversion via APIs
- Launch Android/iOS App
- Smart Investment Bots
- DeFi Partnerships (Polygon, Avalanche)
We welcome developers, crypto thinkers, and fintech minds to contribute!
Check CONTRIBUTING.md for guidelines.
- Vaibhav Singh Kaira
GitHub: kairavaibhav - Dewansh Shekhar Singh
GitHub: dewanshshekhar
MIT License © 2025 SpareVest Team
SpareVest – Small Change, Global Impact.