Technical studies on the systems that power digital money.

In-depth analyses, case studies and architecture decisions on Core Banking, PIX, BaaS, Open Finance, messaging, observability and compliance — published as problems get solved in production.

1. 01
   PIX

   PIX: a reference architecture for instant settlement

   How to design a PIX integration that's resilient against the SPI, with guarantees around idempotency, reconciliation and 24/7 high availability.

2. 02
   Core Banking

   Modular core banking: why well-designed monoliths beat premature microservices

   A case study on bounded contexts in core banking platforms, and when decomposing into services is actually worth it.

3. 03
   Open Finance

   Open Finance: API security beyond FAPI

   Security layers that an Open Finance participant needs to implement beyond what the regulatory standard requires.

4. 04
   Messaging

   Event Sourcing in financial systems: when it's worth the cost

   A practical guide to where event sourcing solves real auditing and reconciliation problems — and where it just adds complexity.

5. 05
   Compliance

   Central Bank compliance in practice: KYC and AML as part of the architecture

   How to structure onboarding, transaction monitoring and regulatory reporting without turning compliance into a product bottleneck.