Field notes
Practical notes on fintech architecture, ledgers, and compliance-ready development.
Short pieces from engagements and desk research. Written for engineers and risk leads who share responsibility for payment systems.
Where payment retries hide reconciliation debt
Authorisation retries can create silent duplicate postings unless the ledger treats them as first-class events.
Drawing fund-flow diagrams auditors can read
A practical checklist for diagrams that show custody, not just boxes and arrows.
Release gates that satisfy change boards
Concrete checks before shipping features that touch ledgers, KYC, or payment credentials.
Settlement calendars for multi-rail products
Why cut-off times across card and account-to-account rails belong in the architecture brief.