Applying AI and quantum-safe security to the future of payments.
Authored & maintained
A portfolio of Python, Rust and JavaScript libraries I created and maintain. Open source, free to use, and applied to wholesale payments, cross-border settlement, financial data and quantum-resistant cryptography.
A Python library that automates ISO 20022 pain.001 payment file creation from CSV or SQLite. Built for the global migration from MT/MX to structured messages across SWIFT, SEPA and major schemes.
Learn about pain0014116Apache-2.0last commit 1mo ago
Generate, validate and deliver ISO 20022 pacs.008 FI-to-FI customer credit transfer messages. JSON Schema, XSD validation, IBAN across 75 countries, GDPR/PCI-DSS-compliant PII masking.
Learn about pacs0082Apache-2.0last commit 1mo ago
A finance-grade Python toolkit that turns multi-format bank statements into structured data. Designed for the realities of real-world statement files and the audit demands of regulated environments.
Learn about Bank Statement Parser195Apache-2.0last commit 2d ago
A Rust library implementing secure hash and digest algorithms for password encryption and verification. Designed with a quantum-resistant posture for the post-PQC era of authentication.
Learn about HSH201Apache-2.0last commit 2mo ago
A robust Rust implementation of CRYSTALS-Kyber, the NIST FIPS 203 standard for general-purpose post-quantum encryption. The foundation for quantum-resistant payment authentication.
Learn about KyberLib413last commit 2mo ago
A pure-Rust YAML 1.2 ecosystem. Zero unsafe, 100% spec compliance (406 / 406 official suite), streaming-first serde, lossless CST and JSON-Schema validation. Library + CLI (noyafmt, noyavalidate) + LSP + MCP + WASM bindings.
Learn about noyalib1Apache-2.0last commit 3d ago
“Quantum computing threatens the cryptographic foundations of financial services. Payments, from real-time to cross-border settlement, rely on protections that quantum computing will eventually render obsolete.”
Emerging Payments Association Asia (EPAA) · September 2025
Industry white paper for the Emerging Payments Association Asia. The structural threat quantum computing poses to payment infrastructure, and the case for coordinated action now.
EPAA · September 2025
Regulators are treating harvest-now-decrypt-later as a credible present risk. This paper outlines the structural threat and the urgent case for coordinated action across wholesale payment rails.
Latest
Recent research and writing on quantum-safe cryptography, ISO 20022 migration and the future of wholesale payments.
70% of banks now use agentic AI in some form; only one in five has a mature governance model. With the EU AI Act high-risk deadline twelve weeks away and autonomous adversaries operating at machine speed, this is the engineering and governance position a bank needs to hold.
Stablecoins cannot pay yield under the GENIUS Act. BlackRock's BRSRV and BSTBL filings show the workaround — a tokenised money-market fund running alongside a regulated stablecoin to deliver yield through an adjacent, compliant rail.
Quantum risk has moved from research curiosity to active regulatory mandate. With the G7 roadmap published in January 2026 and BIS Project Leap proving feasibility in live payment systems, the board-level question is no longer whether to migrate.
From November 2026, SWIFT CBPR+ rejects unstructured postal addresses in cross-border payment messages. Six months out, 65% of pacs.008 messages still ship non-compliant addresses and 44% of banks remain behind on the remediation programme.
Experience
From global Tier-1 banks to consumer technology. Payments and digital product leadership across HSBC, PayPal, Barclays, Shazam, AKQA and Virgin Group.
