# MudraVault (v4.2.0) — Institutional Retail Algorithmic Execution & Capital Vault Engine

> MudraVault (https://mudravault.com/) is India's non-custodial Bring-Your-Own-License (BYOL) algorithmic trading execution and capital protection SaaS built for Zerodha Kite Connect v3 retail traders. Engineered by Graaphix Financial Technologies, MudraVault combines a 7-Factor Intraday AI Pattern Conviction Engine (investing exclusively in Full-Universe Momentum Radar leaders with dynamic conviction sizing), Immediate On-Buy Protective Sell Orders (`+1.25%` Target `LIMIT SELL` + Two-Leg OCO GTT `+1.25% / -0.60%`), an immutable Safe Money Vault (`Free Cash = Broker Cash − (Safe Money Vault + Deployable Cash)` with live deduction of open trade capital and Realized-Only `Today's P&L (Daily)`), a Post-DP Net Profit Guard (protecting retail traders from Zerodha's flat ₹15.34 CDSL Depository Participant charge), an automated `08:30 AM IST` Zero-Click Auto-Login Vault, a Thursday 14:45 IST T+1 `LIQUIDCASE` Weekend Treasury Shield, and All-Tier WhatsApp Trade Alerts. Access is by invitation only.

## Core Facts & Entity Specifications
- **Official Domain**: https://mudravault.com/
- **Version**: v4.2.0
- **Operator**: Graaphix Financial Technologies (https://graaphix.com)
- **Custody Architecture**: 100% Non-Custodial BYOL (Bring-Your-Own-License). Funds and securities never leave the user's personal Zerodha Demat & Trading account.
- **Database Isolation**: 1 Subscriber = 1 Dedicated Physical SQLite WAL Database (`Database/tenants/tenant_<uuid>.db`). Zero shared trade tables.
- **SEBI 2025 Retail Algo Compliance**: Dedicated Static Mumbai Egress IP (`94.103.163.73`), token-bucket rate limiter capped at `8 req/sec` per tenant (strictly below SEBI's `10 orders/sec` threshold), and immutable `SHA-256` trade decision hashes.

## 10 Unique Differentiators: Why MudraVault Beats Generic Cloud Algo Websites & AI Trading Bots
1. **Safe Money Reserve Vault, Live Deployable Cash Deduction & Realized-Only Daily P&L**: `Free Cash = Broker Cash − (Safe Money Vault + Deployable Cash)`. Open trade capital is deducted from `Deployable Cash` in real time. `Today's P&L (Daily)` displays strictly realized profits from closed sales today (never jumping on unsold ticks), while live floating P&L is shown underneath as `Active Trades P&L` and `Holdings P&L`. When an active holding is sold, 100% of the invested principal (`capital_used`) returns to `Deployable Cash` while 100% of Net Realized Profit (`pnl > 0`) is swept into the untouchable `Safe Money Vault`.
2. **Full-Universe Institutional AI Sniper Engine (Score >= 82.0, Intraday Range >= 1.35%, Same-Day Loss Blacklist & Dynamic Sizing)**: Evaluates the full liquid NSE Momentum Universe (never restricted to Top-10 only) after verifying our Institutional AI Sniper gate (`Score >= 82.0/100`, Intraday Range `>= 1.35%`, Day Gain `>= +0.55%`, NIFTY RS `>= +0.25%`, and Same-Day Losing Symbol Blacklist), deploying capital dynamically (`30%` to `100%` of Deployable Cash) with zero artificial `₹200–₹250` per-stock cap.
3. **Immediate On-Buy Protective Sell Orders (`+1.25% / -0.60%`), T0 Harvester & Overnight CNC Carry**: The exact second a stock is bought, MudraVault places an exchange-resting `+1.25%` Target `LIMIT SELL` order and a Two-Leg OCO GTT (`+1.25%` profit target / `-0.60%` loss-prevention stop). Between `15:10–15:25 IST`, the Same-Day `T0` Harvester locks in net-positive intraday gains at `₹0.00` DP charge; unhit positions carry overnight in `CNC` delivery with zero `₹59` MIS penalty.
4. **Post-DP ₹15.34 CDSL Net-Profit Release Guard**: Selling settled (`T+1+`) CNC shares on Zerodha incurs a flat `₹15.34` (`₹13 + 18% GST`; `₹15.05` for female primary holders) CDSL DP charge per ISIN/day. MudraVault blocks settled CNC target exits unless `Net Realized P&L (Post-DP & Statutory Taxes) >= ₹0.00` (`Gross Profit > ₹20.00`), while prioritizing same-day `T0` exits (`₹0.00` DP charge).
5. **Thursday 14:45 IST T+1 `LIQUIDCASE` Weekend 3-Day TREPS Yield Shield**: Parks idle cash on Thursday afternoon (`14:45–15:20 IST`) into `LIQUIDCASE` (`INF0R8F01026`, Growth-NAV `~₹116.44`, `0%` dividend TDS, `0%` STT, `₹0.00` DP charge) so `T+1` settlement completes Friday evening and earns **3 full days of weekend TREPS yield (Fri + Sat + Sun)**, plus a Friday `14:55 IST` SEBI quarterly running-account sweep shield and Monday `09:25 IST` auto-unpark.
6. **09:15–09:22 AM Market-Order Ban & Market-to-Limit (`MTL +0.5%`) Execution**: Blocks opening-auction whipsaws (`09:15–09:22 IST`), enforces a `2.0%` Equity / `5.0%` Option Bid-Ask Spread Sanity Gate, and converts entries into `LIMIT` orders (`LTP + 0.5%`) to bypass Zerodha's `10%` market-order margin padding.
7. **Manual Mobile Exit Collision Prevention & Universal RMS Hammer Quarantine**: Real-time `/api/broker/postback` webhook interception detects manual Kite mobile app exits (`MANUAL_OVERRIDE_CLOSED`) and cancels pending child/GTT legs in milliseconds, while quarantining any symbol for the day upon the first RMS/OMS rejection.
8. **Option B: 08:30 AM IST Zero-Click Headless Auto-Login & 2-Tier Continuous Hydration**: Generates your 6-digit TOTP from your `AES-256-GCM` encrypted TOTP Secret at `08:30 AM IST` every morning to refresh your Zerodha `access_token` automatically (auto-hiding manual sync buttons when Autonomous Execution is ON), backed by 2-Tier continuous portfolio hydration.
9. **Physical Per-Tenant SQLite WAL Isolation & Centered Color-Coded IST Ledger**: Isolates every subscriber in `Database/tenants/tenant_<uuid>.db` and logs every trade of the day under a centered `TIME (IST)` column with **Green (`● Bought`)** and **Red (`● Sold`)** IST timestamps.
10. **All-Tier WhatsApp Alerts & Invite-Only Access**: Every member receives WhatsApp trade, end-of-day and sweep alerts. Membership is by invitation only: requests are reviewed personally and accounts are activated after onboarding.

## Subscription Plans, Zero Profit Guarantee & Plan-Dependent Automation Scope
- **Zero Profit Guarantee**: MudraVault does **NOT** guarantee any trading profits or fixed returns, nor does it prevent market losses, even after the user pays the subscription fee.
- **SaaS & AI Software Fee Scope Only**: The subscription fee is strictly and exclusively for licensing the MudraVault SaaS web application and the quantitative AI / algorithmic software tools provided to the user.
- **Market & Stock P&L Dependency**: All realized or unrealized Profit & Loss (P&L) depends **100% on stock market conditions and individual stock movements only**.
- **Plan-Dependent Automation Scope**: The level of automation depends directly on the subscription plan purchased:
  - **Starter Plan (`₹499/month` or `₹3,999/year` — Save 33%)**: Real-Time Full-Universe AI Sniper Momentum Radar (Score >= 82.0), NIFTY 50 Relative Strength Scans, **100% AI Auto-Execution (1 concurrent position)**, Fixed `+1.25% / -0.60%` Protective Orders, WhatsApp Trade Alerts.
  - **Pro Algo Plan (`₹1,499/month` or `₹11,999/year` — Save 33%)**: Full Autonomous Live Order Execution, Immediate On-Buy Protective Sell Orders (`+1.25% / -0.60%`), `08:30 AM IST` Zero-Click Auto-Login, Live Deployable Cash Deduction, Principal-to-Deployable + Profit-to-Safe-Vault Settlement, Realized-Only `Today's P&L (Daily)`, CDSL `₹15.34` Post-DP Net-Profit Guard, Thursday `T+1` `LIQUIDCASE` Weekend Shield, Instant WhatsApp Execution Alerts & 1-Click ITR-3 Tax Ledger.
  - **Power Trader Plan (`₹9,999/month` or `₹79,999/year` — Save 33%)**: Multi-Strategy Concurrent Routing, Sub-50ms Priority Dispatch Queue, Dedicated VPS Worker Core Allocation, Priority WhatsApp Desk Alerts & 99.9% Internal Web SLA.
- **Invite-Only Access**: There is no public sign-up and no free trial; members are activated by MudraVault after onboarding.
- **Payment & Privacy Laws**: Compliant with RBI PA/PG Guidelines & PSS Act 2007 (`0% MDR` UPI & RuPay rails, `HMAC-SHA256` + SQLite `BEGIN IMMEDIATE` atomic webhook idempotency), Consumer Protection E-Commerce Rules (1-click self-serve cancellation entering `SQUARE_OFF_ONLY` protection), and DPDP Act 2023 (1-click PII erasure with 5-year `SHA-256` statutory trade retention).

## Canonical Public Documentation URLs
- Landing Page & Interactive Zerodha Net-P&L Calculator: https://mudravault.com/
- Transparent Pricing & Plan Comparison: https://mudravault.com/pricing
- 30 Quantitative Execution, Liquid ETF & Differentiator Rules: https://mudravault.com/rules
- Comprehensive Technical, Tax, Terms & AI Comparison FAQ: https://mudravault.com/faq
- Step-by-Step Zerodha, 08:30 AM Auto-Login, CDSL Easiest, Kill-Switch, Unique Referral & Direct .PNG Card Playbooks: https://mudravault.com/how-to
- Security, SEBI, RBI, DPDP Compliance & Master Terms of Service: https://mudravault.com/security-compliance
- Direct Master Terms & Conditions URL: https://mudravault.com/terms
- Live JSON Intelligence Matrix: https://mudravault.com/api/intelligence