Payments
ISO 20022, end to end: pain.001, pacs.008, camt.053, and acmt.001. Adopt one library at a time.
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What I build
Open source for the future of finance.
Security
Post-quantum primitives: ML-KEM (CRYSTALS-Kyber, NIST FIPS 203) and hashing, ready to pilot today.
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Audited Rust libraries and a code security scanner, signed and shipped with a software bill of materials.
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By the numbers.
37.1MOpen-source downloads
663GitHub stars
84Sigstore-signed articles
19Years in payments and banking
EPAA · September 2025
Why the payments industry must act now.
Regulators are treating harvest-now-decrypt-later as a credible present risk. This paper, produced for the Emerging Payments Association Asia, sets out the structural threat and the case for coordinated action across wholesale payment rails.
Latest
From the desk.
Open Source Banking · FINOS · Linux Foundation
Open Source, FINOS and the Cloud-Native CIB Stack
TL;DR How FINOS, the Linux Foundation and a Rust-and-zero-dependency stack are reshaping the cloud-native CIB stack — talent, compliance, PSD3 and supply-chain provenance.
Agentic AI · Treasury Co-Pilots · Autonomous Treasury
Agentic Treasury 2026: From Autonomous Treasury Index to Production-Grade Co-Pilots
TL;DR Agentic treasury co-pilots are moving from pilots to production in 2026 — ISO 20022 data plus tool-calls, with SR 11-7, DORA, and EU AI Act controls around them.
Cyber Recovery · Fallback Rails · Operational Resilience
Always-On CIB: Cyber Recovery, Fallback Rails and Quantum-Safe Treasury
TL;DR Always-on CIB in 2026: cyber recovery vaults, ISO 20022 fallback rails across RTGS, instant and tokenised networks, FHE, QKD and PQC primitives, and quantum-safe treasury SLAs under DORA.