Essays & Notes
On the rails beneath money: payments, borders and the rules that govern them.
Weekly newsletterBuilding PaymentsNotes on payment infrastructure, every week.Follow on LinkedIn ↗- Cross-Border31 October 2026
Connecting Central Asia with UK and EU Finance
Understanding those differences should come before the product promise.
5 min read
- Payment Infrastructure23 October 2026
A second provider is not a resilience plan
True payment resilience requires adaptable architecture and compliance flexibility, not just backup rails, when bank risk appetites or partner rules shift.
8 min read
- Payment Infrastructure5 October 2026
Transitioning from Fragmented Tech Stacks to Unified Payment Architecture
Moving from point-to-point vendor patchwork to an intelligent orchestration layer, and eliminating the hidden operational tax on global commerce.
9 min read
- Fintech4 October 2026
The Architectural Challenges of Real-Time, Multi-Currency Accounting
Engineering double-entry ledgers across dozens of currencies, balancing ACID constraints against eventual consistency, and preventing database lock contention.
11 min read
- Fintech22 August 2026
Evaluating 'Build vs. Buy' for Payment Infrastructure
The strategic calculus between in-house engineering and orchestration, weighing PCI-DSS, compliance risk and speed to market.
8 min read
- Cross-Border21 August 2026
The Realities of End-to-End Payment Routing
Why the API is just the doorway: dynamic multi-rail path selection across SWIFT, SEPA, Target2 and domestic rails, managing liquidity and regulatory data consistency.
10 min read
- Regulation24 July 2026
The Dual-Regulated Advantage: Lessons from the FCA and Danish FSA
Operating as a dual-regulated EMI under the UK FCA and Danish FSA, and reconciling principles-based and rule-based supervision into an operational moat.
9 min read