Sebastien Rousseau

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APPLIED AI

Automating ISO 20022 Payment Files Creation with pain001

pain001 is an open-source Python library that generates ISO 20022 pain.001.001.09 (CustomerCreditTransferInitiation) XML from CSV or SQLite input, validates output against the XSD schema, and computes CtrlSum and NbOfTxs automatically — supporting both SEPA SCT and CBPR+ cross-border message formats.

APPLIED AI

The making of the Express Transaction Credits Platform

A hands-on account of building the EXTC platform on Ethereum ERC-223 in early 2018: how the token contract was structured, what the multi-signature and time-lock primitives were designed to do, and what the experiment revealed about blockchain's practical limits for payment networks.

APPLIED AI

Unveiling a new Cryptocurrency and Faster Payment Solution

The Express Transaction Credits (EXTC) platform was an early-2018 experiment in programmable payments on Ethereum, using ERC-223 smart contracts to enable instant cross-border transfers and atomic payment flows — ideas that decentralised finance later scaled.

APPLIED AI

Understanding the Technology behind Blockchain

Blockchain is an append-only ledger secured by cryptographic hash chains and distributed consensus — a design that makes tampering computationally expensive and auditable by anyone. Ethereum extended this foundation with a programmable execution layer, turning a simple payments record into a platform for smart contracts, tokens, and decentralised finance.

APPLIED AI

Bitcoin: A Year In Review of the First Cryptocurrency

Bitcoin, often hailed as digital gold, initiated a financial revolution by introducing decentralized electronic cash and blockchain technology. It enabled online payments between individuals…

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