User Service

The User Service is the central authority for user identity, membership, and account lifecycle within the FloatMe platform. It owns user profile data, membership tiers, phone numbers, tags, KYC, and MLA compliance records.

What This Service Owns

Domain	Responsibility
Users	User profiles, status lifecycle (PROCESSING → ACTIVE → PAUSED/BANNED/INVESTIGATE)
Memberships	Membership tier records, upgrades, downgrades, pause/unpause, cancellation, reactivation
Phone Numbers	Phone number storage and deduplication
Tags	Arbitrary key/value attributes attached to a user account
KYC	Know Your Customer session storage and management via Transactions service
MLA	Military Lending Act covered borrower lookups via Experian
Consent	User consent agreement records

Domain

Responsibility

Users

User profiles, status lifecycle (PROCESSING → ACTIVE → PAUSED/BANNED/INVESTIGATE)

Memberships

Membership tier records, upgrades, downgrades, pause/unpause, cancellation, reactivation

Phone Numbers

Phone number storage and deduplication

Lambda Functions

Function Trigger Purpose

Function	Trigger	Purpose
`prod-user-service-api`	API Gateway (IAM auth)	Primary REST API — CRUD for users, memberships, phone numbers, tags, KYC, MLA, consent
`prod-user-service-payment-worker`	Kinesis (`prod-payments`)	Reacts to payment events — bans users on chargeback
`prod-user-service-subscriptions`	Kinesis (`prod-subscriptions`)	Reacts to subscription events — handles pause and resume flows
`prod-user-service-kinesis-feeder`	DynamoDB Streams	Publishes user and membership change events to the outbound Kinesis stream
`prod-user-service-cleanup`	SQS (`prod-user-service-cleanup`)	Cleans up cancelled accounts — removes Plaid items, blocks Auth0, schedules Array cleanup

prod-user-service-api

API Gateway (IAM auth)

Primary REST API — CRUD for users, memberships, phone numbers, tags, KYC, MLA, consent

prod-user-service-payment-worker

Kinesis (prod-payments)

Reacts to payment events — bans users on chargeback

prod-user-service-subscriptions

Kinesis (prod-subscriptions)

Reacts to subscription events — handles pause and resume flows

prod-user-service-kinesis-feeder

DynamoDB Streams

Publishes user and membership change events to the outbound Kinesis stream

prod-user-service-cleanup

SQS (prod-user-service-cleanup)

Cleans up cancelled accounts — removes Plaid items, blocks Auth0, schedules Array cleanup

External Dependencies

Service	Role
Auth0	User authentication, MFA enforcement, account blocking
Subscription Service	Manages recurring billing subscriptions; source of pause/resume events
Payment Service	Processes one-time charges (e.g. upgrade proration); source of chargeback events
Growthbook	Membership tier configuration and pricing
Experian	MLA covered borrower lookups
Transactions Service	Plaid item management, KYC session storage; queried during user activation and cleanup
Float Service	Outstanding float balances checked during cancellation and reactivation
Underwriting Service	Recalculates underwriting on reactivation

Service

Role

Auth0

User authentication, MFA enforcement, account blocking

Subscription Service

Manages recurring billing subscriptions; source of pause/resume events

Payment Service

Processes one-time charges (e.g. upgrade proration); source of chargeback events

Growthbook

Membership tier configuration and pricing

Experian

MLA covered borrower lookups

Transactions Service

Plaid item management, KYC session storage; queried during user activation and cleanup

Float Service

Outstanding float balances checked during cancellation and reactivation

Underwriting Service

Recalculates underwriting on reactivation

Documentation

See Architecture for the system context diagram and a full breakdown of components. See API Specification for the full OpenAPI spec.