B2B payments, limits & compliance for a fintech operator
A high-throughput B2B payments stack: counterparty limits and scoring, AML/KYC workflows, audit-grade ledgers and integrations with banks and payment providers.
Delivered functionality
Idempotent payment APIs, statuses, automated reconciliation with bank statements.
Counterparty/product limits; AML decision queues; compliance reporting; investigations, CSV/XML exports.
Keycloak roles and MFA.
Business outcomes
Dispute investigation time −40–55%; post-clearing workload ~−30% via idempotency + reconciliation.
Horizontal API scaling without maintenance windows.
Highlights
- Ledger: double-entry, payment idempotency, daily batch reconciliation with the bank.
- Limit policies and a risk engine with versioned rules and what-if simulation.
- AML/KYC: investigation cases, checklists, external list integrations and scoring services.
- Compliance-grade observability: tamper-evident audit logs, tracing, regulatory reporting exports.
Stack
Python 3.12
FastAPI
PostgreSQL (ledger + partitions)
Redis
Apache Kafka
Temporal.io (Saga / workflows)
HashiCorp Vault
Keycloak
OpenTelemetry
React + TypeScript
pytest / contract tests
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