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LoonieFlow – From Vision to Investment-Ready MVP

A TorontoDigital.ca Case Study

TorontoDigital.ca partnered with LoonieFlow, a Canadian personal-finance start-up, to transform a rough concept into an AI-powered budgeting MVP that meets strict Canadian banking-security standards. In just one release cycle the product secured 35 engaged beta users, generated overwhelmingly positive feedback, and positioned the venture to pursue a Series A round for full-scale development.

Project Requirements

  • Validate market demand with a functioning Android app and marketing website

  • Demonstrate bank-grade security and compliance with Canadian regulations (PIPEDA, PCI DSS)

  • Collect real-world usage data to refine feature priorities for Series A

Challenges

  • Regulatory complexity – Canada’s Personal Information Protection and Electronic Documents Act plus individual bank security requirements

  • Zero-to-one product definition – no existing design system, user flows or architecture

  • Compressed timeline – MVP needed within one quarter to align with investor road-show

TorontoDigital.ca Solution

  1. Discovery & Planning
    – Stakeholder workshops to map user personas, compliance constraints and AI roadmap
    – Technical spike on open-banking APIs, data-encryption patterns and cloud hosting regions

  2. UX/UI & Website Design
    – Brand identity, design system and responsive marketing site (loonieflow.space) showcasing product benefits and two-button store CTAs (“Get it on Google Play” / “App Store — Coming Soon”).
    – High-fidelity prototypes for hero dashboard, AI insights panel and onboarding.

  3. Android MVP Development
    – Kotlin-based app with secure OAuth bank-connection flow
    – AI module for smart transaction categorization and predictive cash-flow analytics
    – Encrypted SQLite vault on-device plus TLS 1.3 for all network calls

  4. Compliance & Security Engineering
    – Threat modeling, OWASP Mobile Top-10 testing, automated dependency scanning
    – Documentation of data-handling practices to streamline future SOC 2 audit

Key Features Delivered

  • AI-driven cash-flow insights with 95% auto-categorization accuracy

  • Predictive alerts for low balance, unusual spend and bill due dates

  • Goal tracking dashboard tied to personalized savings plans

  • Analytics portal for LoonieFlow admins (usage metrics, cohort retention)

  • Marketing website optimized for lead capture and investor demos

Results & Impact

MetricTargetMVP Outcome
Beta users (30 days)2535 active accounts
Avg. weekly sessionsn/a4.2 per user
Data breaches / PII leaks00 incidents
Investor interestDemo-ready3 VC meetings scheduled
 

Beta feedback highlighted the app’s intuitive UI and AI accuracy, validating product-market fit ahead of the Series A campaign.

Technology Stack

  • Android (Kotlin), Jetpack Compose

  • Node.js + PostgreSQL (encrypted at rest)

  • AWS Canada (ca-central-1) infrastructure with IAM least-privilege

  • Stripe & Plaid integrations (tokenized)

  • CI/CD via GitHub Actions with security gates

What’s Next

TorontoDigital.ca is engaged for the Series A scale-up to:

  • Launch iOS parity app

  • Achieve SOC 2 Type II and ISO 27001 certification

  • Grow user base from 35 to 5 000+

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