Instant Payments Fraud Architecture: Real-Time Risk Scoring at Rail Speed
Designing fraud and risk controls for irrevocable instant payments (FedNow, RTP, SEPA Instant): latency budgets, scoring pipelines, confirmation of payee.
Stablecoin Settlement on Card Networks: Visa and Mastercard Architecture
How Visa and Mastercard integrate stablecoin settlement with existing authorization, clearing and treasury flows, and what the CLARITY Act stall means for system design.
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.