Technical articles on financial infrastructure, regulatory architecture, and system design.
Zero-entry and single-entry shortcuts fail under regulatory scrutiny. How double-entry invariants enforced at the engine level prevent ledger drift.
DORA is not a compliance checkbox. It is a systems specification with architectural implications for determinism, traceability, and resilience.
Three layers, three failure domains. How the separation of ledger engine, orchestration, and domain logic creates a system that regulators can audit.
Why native semantic classification (Domain/Family/SubFamily) matters more than XML parsing for automated reconciliation and scheme-agnostic architecture.
Lock contention, GC pauses, and deserialization overhead. What a purpose-built settlement engine does differently.
Saga compensations are necessary but insufficient. Durable execution provides exactly-once guarantees that financial processes require.
Four layers of tenant isolation from API gateway to database. Defense in depth for financial infrastructure.
Reject, Return, Refund, Reversal. Four distinct lifecycle events, each with different ledger impact, PSD2 timelines, and ISO reason codes.
Amdahl's Law and the limits of general-purpose databases for high-throughput settlement workloads. The case for purpose-built engines.
Jurisdiction-aware CDD policies, provider abstraction, and risk-level-driven verification depth. Configuration over code.
Confidence-scored matching, ISO 20022 transaction classification, and the operational impact of daily automated reconciliation.
Segregating client funds is a regulatory requirement, not a feature. Account categories, transfer rules, and reporting obligations.