Project 02

Fintech2025

Payments & Settlement Infrastructure

A ledger that balances under load, and settlement that reconciles itself before the operations team arrives.

Pan-African payments operator (anonymised)

01The problem

Transaction volume had outgrown a ledger that was never designed to be one. Reconciliation ran overnight, broke often, and every break required a human to trace a payment across four systems.

02The system

We rebuilt the money layer as a strict double-entry ledger with idempotent transaction ingestion, then automated reconciliation against provider and bank statements.

03The build

Go services behind an API gateway, Kafka for transaction streams, PostgreSQL for the ledger of record, and a monitoring console that surfaces breaks as exceptions rather than as a nightly report.

Scope

  • Ledger architecture
  • Transaction ingestion
  • Provider & bank integrations
  • Automated reconciliation
  • Monitoring console
  • Load & failure testing

Technology

GoKafkaPostgreSQLRedisKubernetesTerraform

Reconciliation time (pending verification)

Break rate reduction (pending verification)

24/7

Continuous settlement monitoring

Similar problem?

We'd like to hear about it.