ZennVault

## Features ### User / Customer Features - **Multi-Account Management** — Create and manage multiple bank accounts; primary account designation; account statements with PDF download - **Fund Transfers** — Internal transfers between accounts; account number lookup; transfer PIN creation & verification; transfer approval workflow - **Beneficiary Management** — Save frequent recipients; toggle favorites; quick-transfer from saved beneficiaries - **Virtual Cards** — Create virtual Visa/Mastercard cards; freeze/unfreeze toggle; card spending controls (online transactions, ATM, POS, international) - **Deposits** — Submit deposit requests via configurable payment methods; admin approval workflow - **Bill Payments** — Browse bill categories; pay bills with fee calculation; payment receipts; payment history - **Savings Goals** — Create savings goals with targets; track progress; contribute funds - **Currency Wallets & Exchange** — Multi-currency wallets; real-time exchange rates; currency conversion - **Financial Insights** — Spending analytics and financial overview dashboard - **Transaction History** — Full transaction log with filtering; CSV export; transaction detail view - **Notifications** — In-app notification center; mark as read; bulk mark all as read - **KYC Verification** — Tiered KYC system (Tier 0–3) with document submission; each tier unlocks higher daily/monthly transaction limits - **Support Tickets** — Create support tickets; threaded message replies; ticket status tracking - **Profile Management** — Edit profile info; avatar upload; password change; dark mode toggle; notification preferences; account deletion request - **WebAuthn Biometric Login** — FIDO2/WebAuthn passkey registration & passwordless authentication - **OTP Verification** — Email-based OTP on login; resend OTP functionality ### Admin Panel Features - **Dashboard** — Platform-wide statistics and overview - **User Management** — View all users; user detail profiles; activate/suspend accounts; fund/debit user accounts; update join dates; set KYC tier - **KYC Review** — Review submitted KYC documents; approve/reject verification requests - **Deposit Management** — View pending deposits; approve/reject deposit requests - **Transfer Management** — View transfers; approve/reject pending transfers - **Transaction Oversight** — Browse all platform transactions; transaction detail view - **Bill Management** — CRUD bill categories; CRUD individual bills; toggle bill availability - **Admin Management** — Create/update/delete admin accounts - **Generate Transactions** — Batch transaction generation tool with progressive processing - **Financial Reports** — Platform financial reports with CSV export - **Platform Settings** — General settings; SMTP configuration with test email; branding customization; maintenance mode toggle; payment method management ### Authentication & Security - **Login / Register** with email & password - **OTP Verification** — Mandatory email OTP after login - **Forgot Password** — OTP-based password reset flow - **WebAuthn / Biometric** — Passkey registration & passwordless login - **Transfer PIN** — Separate PIN for authorizing transfers - **Auto-Logout** — Configurable session timeout with automatic logout - **Maintenance Mode** — Admin-controlled; admins bypass the maintenance screen - **Active User Check** — Suspended accounts are immediately logged out - **API Rate Limiting** — 60 requests/minute on API routes

Admin Login details admin@zennvault.com password: password / 123456789