Torphi Contise

BAYBO

BAYBO is for people who have money invested and do not follow markets. It answers three questions: how much the person put in, how much they have today, and whether that did better or worse than it would have in CDI or in dollars. The person registers the accounts where their money sits (bank, brokerage, crypto, accounts abroad), records contributions and balances, and the app adds it all up in Brazilian reais.

The three comparisons are simulations derived from the person's own contributions, not from a parallel portfolio: the system projects how each contribution would have behaved in each reference, counting from the day it was made. Every value is locked at the exchange rate of the day it was recorded and history is not recalculated afterwards, so the number shown on a given date remains that date's number.

The app is published on the App Store and on Google Play. Torphi Contise is the controller of the personal data it processes, under Brazilian Law 13.709/2018 (LGPD).

SMS messages sent with the sender ID BAYBO, including phone verification codes, originate from this company on behalf of the app. They are transactional and are only sent at the request of the person, from inside the app.

• baybo.app app website
• App Store iPhone and iPad
• Google Play Android
• Privacy Policy
• Terms of Use
• Support

Every application that charges someone ends up writing the same set of hard things: registration, login, session, account recovery, subscription, purchase, benefit delivery. None of them is the product, and all of them have to be right, because they fail in money and in identity. Bullgate is that foundation written once, as open source, so the application can attend to what is actually its own.

Bullgate Access handles identity and access: registration, login, sessions, email and password changes, social providers, account recovery, and above all the cases where the simple path breaks down. The phone number that already belongs to another account, the person who lost access and created a new one, the ownership that must be proven to reclaim a previous identity. Those journeys belong to the platform; the application keeps its own screens, navigation, and business data.

Bullgate Billing handles money: product catalogue, plans, subscriptions, one-time purchases, trials, targeted offers, coupons, dunning, cancellation, and entitlement delivery. Payment itself stays with external providers, who charge their fees. Bullgate keeps the references, normalises the states, processes the webhooks, and makes sure the benefit is delivered exactly once, even with a duplicate or out-of-order event.

Running it yourself is free, and should stay that way. Managed hosting may exist as a paid product, but never as the only way to use the platform.

Licensing is mixed: AGPL-3.0 for the services, so that anyone who modifies them and offers them as a service publishes those modifications, and Apache-2.0 for the SDKs, which are compiled into the integrator's own application. External contributions use the Developer Certificate of Origin.

• bullgate.dev project site