Notes from the build.
Engineering deep dives, architecture decisions and what we learned shipping operations-heavy software.
Fintech19 Oct 2026 · 7 min read
Double Entry Ledgers for Software Engineers
A balance column cannot explain itself. Double entry bookkeeping gives engineers an append only ledger where every balance is provable, with a PostgreSQL schema to start from.
Designing Approval Workflows Finance Teams Trust
Finance teams route around approval systems they do not trust. Here is how to design workflows built on risk, enforced separation of duties and an audit trail nobody can edit.
Clearing, Settlement and Why Your Money Waits
Your dashboard says the payment succeeded but your bank balance has not moved. Authorisation, clearing and settlement explain the wait, and what finance teams can do about it.
A Plain English Guide to FX Spreads
Your bank quoted a worse rate than the one you saw online, and nobody lied. Here is how spreads work, where businesses lose money on them, and how to measure what you really paid.
Cash Visibility Is the First Treasury Problem
Before forecasting or optimising, a treasury team has to see its cash. Why the picture is blurry, and a practical way to build a trustworthy view.
What Instant Payments Change for Corporate Treasury
Instant rails remove the float, the daily cut off and the window to catch mistakes. What corporate treasury teams should change in forecasting, controls and visibility.
Reconciliation Is Where Fintechs Quietly Fail
Nothing crashes when reconciliation fails. The gap just grows until someone asks. Why payment companies lose control of their books here, and how to build matching in from day one.
Stablecoins in Cross Border B2B Payments: Promise and Limits
Stablecoins can speed up the movement of value between two points. They do not remove conversion, compliance or controls, which is where cross border business payments actually get hard.
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