Request to Pay and Account-to-Account Payments: An Architecture (2026)
Request to Pay architecture explained: SEPA RtP and Pay.UK messaging, account-to-account rails, open-banking initiation, reconciliation and settlement - a systems deep-dive.
EMV 3-D Secure 2: Payment Authentication Architecture (2026)
EMV 3-D Secure 2 explained: the three-domain model, ACS risk-based authentication, frictionless vs challenge flows, AReq/ARes messaging and false-positive reduction - a 2026 systems architecture guide.
Card Tokenization and the PCI DSS Vault: A Payment Security Architecture (2026)
How card tokenization shrinks PCI DSS scope: vault design, format-preserving vs random tokens, network tokens, detokenization flows, and key management for payment systems.
Ledger Database Architecture: Double-Entry Accounting at Scale (2026)
A ledger database architecture for fintech: double-entry invariants, immutable append-only design, balance consistency, TigerBeetle-class throughput, and audit.
Exchange Matching Engine Architecture: Low-Latency Order Matching (2026)
How an exchange matching engine works: the limit order book, price-time priority, deterministic single-threaded matching, sequencing, and sub-microsecond design.
Perpetual KYC (pKYC) Architecture: Continuous Risk Reassessment for 2026
A perpetual KYC (pKYC) reference architecture: event-driven risk reassessment, entity resolution, screening, an ML risk engine, and case management for continuous compliance.
AML with Graph Neural Networks: Detecting Laundering Rings and Synthetic Identity
How AML graph neural networks detect money-laundering rings and synthetic identity: transaction graphs, GNN message passing, typology features, and a production model architecture.
MPC Wallet Custody Architecture: Threshold Signatures and Key Sharding (2026)
How MPC custody wallets work: threshold ECDSA/EdDSA signing, key sharding, distributed key generation, signing ceremonies, and an institutional custody reference architecture.
Low-Latency Market Data Feed Handler: Engineering Guide
How to engineer a low-latency market data feed handler: line arbitration, ITCH and FIX parsing, kernel-bypass networking, order book build, and tail-latency tuning.
RWA Tokenization Architecture: Issuance to Settlement
A reference architecture for real-world asset (RWA) tokenization: issuance, custody, compliance, and settlement - a systems analysis, not financial advice.