
Designing a Fintech Backend: Crypto + Open Banking Under One Roof
Over the better part of this year, I’ve been building a platform designed to serve both banks and blockchains through one request pipeline, one ledger, and one compliance engine. If that sounds straightforward, you haven't tried it. The two domains share surface-level primitives (accounts, transactions, balances, identity) and then diverge on literally everything that matters: trust models, settlement finality, regulatory frameworks, and failure modes. This post is the architecture document I wish existed when I started. It covers everything from event sourcing patterns to gas estimation heuristics to why your HSM setup will make or break you. No hand-waving, no "it depends" without explaining what it depends on.
