Spark is a subscription-based fintech product designed for users who've been declined for traditional loan products. The concept: build a verified track record through consistent bi-weekly payments, and unlock increasing loan opportunities — starting at a guaranteed $100 and scaling to $1,000+ as trust builds.
🏗️ Architecture: Built on Next.js 15 App Router with React 19 Server Components, TypeScript 5, and Tailwind CSS. Follows Clean Architecture with a 4-layer design: Infrastructure → Adapters → Application (use cases) → Domain. State and business logic kept framework-agnostic, tested independently.
🔗 Key Integrations:
• Plaid — bank account linking, balance verification, identity verification (IDV)
• VoPay — ACH payment processing and recurring billing
• Supabase — PostgreSQL backend, real-time subscriptions, row-level security, auth
• Snowflake — data warehouse for analytics and reporting
• Sinch — SMS notifications for payment reminders and alerts
• Bloom API — Equifax credit score monitoring integration
• Okta / Spring Financial API — underwriting decisions
📊 Observability: Datadog APM, Sentry error tracking, Mixpanel event tracking, PostHog feature flags, Google Analytics 4.
🧪 Testing: Vitest + React Testing Library for unit/component tests, Playwright for full end-to-end coverage. Pre-push hooks enforce quality gates.
🚀 Deployment: Vercel (preview/staging/production), Terraform for infrastructure, Semantic Release for automated versioning. Supabase database branching for schema isolation.