Financial architecture in production
Daniel ChavesSoftware ArchitectCore Banking Specialist · Fintech Engineer
Designing scalable financial platforms for Payment Institutions, Fintechs and Digital Banks.
API Gateway
Routing & Security
Core Banking
Accounts, Ledger & Rules
PIX
Instant settlement
Compliance
AML · KYC · Reporting
Ledger
Auditable double-entry
Central Bank
SPI · STR · DICT
About
Architecture as a competitive advantage.
I'm a Software Architect specialized in critical financial systems. I design and build Core Banking platforms, Banking as a Service and payment infrastructure for institutions that cannot afford to fail — where availability, consistency and regulatory compliance are non-negotiable.
My work combines distributed systems architecture, back-end engineering in Node.js and TypeScript, and deep knowledge of Brazil's regulatory framework — PIX, Open Finance, SPB and Central Bank requirements — to deliver platforms that scale safely.
Foundations
Back-end & Distributed Systems
Building high-performance APIs and resilient distributed systems, with a focus on data consistency and observability from day one.
Specialization
Software Architecture for Fintechs
Designing event-driven architectures, microservices and API contracts for payment institutions and digital banks.
Core Banking
Banking Core Engineering
Building modular core banking systems — accounts, ledger, cards, credit and settlement — focused on auditability and scale.
Regulatory
PIX, Open Finance & Central Bank Compliance
Deploying SPI/DICT integrations, Open Finance and compliance layers (AML, KYC, reporting) aligned with Central Bank regulations.
Current
BaaS & Cloud-Native Platforms
Architecting white-label Banking-as-a-Service platforms, built for high availability and thousands of transactions per second.
0%
Core Banking system built
0+
Modules
0%
API First
0.00%
Availability
0+
Projected TPS
Expertise
A technical domain built for critical financial systems.
Core Banking
Modular banking core: accounts, ledger, cards, credit and settlement.
PIX
Full integration with SPI, DICT and 24/7 instant settlement.
Open Finance
Secure data sharing through regulatory APIs.
Central Bank Compliance
AML, KYC and adherence to Central Bank regulations.
BaaS
White-label, multi-tenant Banking-as-a-Service platforms.
Cloud
Cloud-native, elastic and resilient infrastructure.
Architecture
System design for consistency, scale and evolution.
Microservices
Decoupled services with well-defined API contracts.
Messaging
Event-driven asynchronous processing at scale.
Observability
Metrics, tracing and logs for 24/7 critical operations.
Security
OAuth2, JWT and defense in depth for sensitive data.
High Availability
Architectures for 99.99%+ uptime under heavy load.
Core Banking
A modular banking core, from channel to Central Bank.
Click any module to see its role within the architecture.
Tech Stack
Tools for running mission-critical financial systems.
Services
From strategy to production operation.
Fintech Architecture
End-to-end architecture design for early-stage payment institutions and digital banks.
Core Banking Development
Building a modular banking core — accounts, ledger, cards and credit — ready to scale.
BaaS Consulting
Strategy and implementation of white-label Banking-as-a-Service platforms.
PIX Implementation
Full integration with SPI, DICT and instant settlement flows.
Central Bank Compliance
Regulatory adequacy, KYC, AML and reporting to bodies such as the financial intelligence unit and Central Bank.
Performance Audits
Diagnosis and optimization of systems for high availability and low latency.
Open Finance Integration
Implementation of regulatory APIs for secure data sharing.
Scalability
Architecture re-engineering to support thousands of transactions per second.
Payment Gateways
End-to-end integration and orchestration of payment methods, acquiring and fraud prevention.
Observability
Metrics, distributed tracing and alerting to run critical systems with confidence.
Custom Development
Back-end, front-end and full applications outside the financial world, with the same architecture and quality discipline.
Projects
Platforms built to run in production.
Flagship Project
Core Banking System
A complete banking core built from scratch with modular, API-first architecture: digital accounts, payment methods, credit, treasury and compliance operating as one integrated system, with end-to-end audit trails and white-label support for multiple brands.
Financial API Gateway
Edge layer for the banking ecosystem: OAuth2/JWT authentication, rate limiting, routing and centralized observability for dozens of internal and partner services.
Financial Event System
Messaging-driven event bus that propagates financial movements in real time, with delivery guarantees, replay and full auditing.
Observability
real-time simulationAn operations dashboard, just like production.
Simulated data representing the telemetry of a core banking platform under real load.
4820/s
TPS
38ms
Avg. time
99.99%
Availability
1,284,213
PIX processed
9120/s
Messages/s
126
Event queue
Transaction flow
What Sets Me Apart
I don't sell software.
I deliver financial infrastructure.
I don't build APIs.
I build ecosystems.
I don't ship code.
I deliver scalable platforms.