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's new
- Reading the Emerging-Technology Risk Horizon for Banks in 2026
- From Evidence to Truth: Why Certified Blockchains Will Define the Next Era of Banking Trust
- The Agentic AI Index for Banks in 2026: Measuring Autonomy
- The 2026 Post-Quantum Security Scorecard: A Board-Level Metric Framework
- Open Source, FINOS and the Cloud-Native CIB Stack
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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.
Learn moreTooling
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.
Emerging Technology · Horizon Scanning · FCA
Reading the Emerging-Technology Risk Horizon for Banks in 2026
TL;DR An original reading of the 2026 emerging-technology risk horizon for banks — personalised AI intelligence, synthetic financial crime, and programmable finance — with a signal-to-supervision framework, drawing on the FCA's Technology Horizon Scan 2026.
Certified Blockchain · Distributed Ledger · ISO/IEC TC 307
From Evidence to Truth: Why Certified Blockchains Will Define the Next Era of Banking Trust
TL;DR The 2026 Certified Blockchain Index gives banks a 5-level Capability Maturity Model to certify distributed-ledger governance, consensus integrity, cryptography, smart-contract assurance, and audit observability against DORA, CPMI-IOSCO PFMI, ISO/IEC TC 307, ISO 42001 and Basel III.
Agentic AI · AI Governance · Banking
The Agentic AI Index for Banks in 2026: Measuring Autonomy
TL;DR A six-dimension index scoring agentic AI readiness in banks: autonomy tiers, governance, regulatory evidence, economics, readiness, and global alignment.