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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- You Cannot Migrate What You Cannot Enumerate: The Cryptographic Bill of Materials Banks Still Do Not Have
- Verification of Payee in Production: Nine Months of Close Matches, Bulk Files, and Unpriced Liability
- From Evidence to Truth: Why Certified Blockchains Will Define the Next Era of Banking Trust
- The 2026 Global Payments Outlook: Operating Model, Risk, and Revenue in an Agentic, Invisible, Real-Time World
- Static Site Generator (SSG): Enterprise-Grade Strategic Deep Dive and Architectural Roadmap
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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.
42.2MOpen-source downloads
672GitHub stars
98Sigstore-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.
Post-Quantum · Cryptography · CBOM
You Cannot Migrate What You Cannot Enumerate: The Cryptographic Bill of Materials Banks Still Do Not Have
TL;DR The 2028 NCSC discovery deadline lands before any migration deadline. Banks cannot meet it, because the DORA asset register does not record cryptography.
Payments · Verification Of Payee · Instant Payments Regulation
Verification of Payee in Production: Nine Months of Close Matches, Bulk Files, and Unpriced Liability
TL;DR Nine months after the IPR deadline, Verification of Payee is a utility every euro-area PSP must run. The hard parts are close matches, bulk files, and liability.
Blockchain · Banking · DORA
From Evidence to Truth: Why Certified Blockchains Will Define the Next Era of Banking Trust
TL;DR Banks certify the cloud, the entity and their AI, but not the ledger that decides what is true. A 5-level Certified Blockchain Index closes the fiduciary gap.