Artículos sobre IA, criptografía postcuántica, ISO 20022 y el futuro de los pagos.
PILARES
Four pillars, fourteen topic clusters, every dated article — pick a thread and follow it through the archive.
PILLAR
Post-quantum migration, DORA-grade operational resilience, and the governance framework around AI in financial services.
Criptografía basada en retículos, estándares NIST PQC, pagos resistentes al cuántico y la amenaza «cosechar ahora, descifrar después». Notas de investigación, bibliotecas de código abierto y manuales de migración para los equipos de seguridad de los servicios financieros.
DORA Article 5 board accountability, BCBS 239 risk-data aggregation, third-party concentration risk, exit testing, and the engineering controls that turn operational resilience from a compliance project into a supervisor-ready scoreboard.
EU AI Act conformity, SR 11-7 model risk, board-level accountability, auditability of autonomous workflows, and the regulatory frame for AI inside Tier-1 banks.
PILLAR
ISO 20022 migration, wholesale settlement, stablecoins, tokenised deposits, and the corporate treasury function around them.
Migración de los mensajes transfronterizos, cumplimiento de direcciones estructuradas, SEPA Instant, SWIFT gpi y los raíles de pagos mayoristas que lo sostienen todo. Herramientas, manuales y calendario regulatorio.
Multi-rail strategy across cards, A2A, RTP, FedNow, open banking, and stablecoin corridors. Wholesale economics, settlement finality, and the BIS Project Agorá cross-border atomicity model.
Tokenised deposits, money-market funds, wholesale CBDC pilots, BlackRock's BRSRV/BSTBL, the GENIUS Act, and the engineering choices behind making programmable money work inside regulated balance sheets.
Programmable liquidity, autonomous treasury, ISO 20022 payment engines, and the open-source toolkits that turn CAMT / pacs.008 / MT940 / pain.001 into auditable, board-grade transaction intelligence for corporate treasury teams.
PILLAR
Applied AI, agentic systems, generative models, voice and speech AI — and the cloud-native banking platforms that host them.
IA generativa, LLM multimodales, voz y modelos de habla — y cómo están rediseñando las operaciones bancarias, la atención al cliente y la ingeniería de producto en las instituciones de primer nivel.
Agent control planes, deterministic semantic routing, OPA policy gates, immutable WORM audit logs, and the SR 11-7 / SS1/23 model-risk lens that turns autonomous workflows into supervisory-ready evidence.
Foundation models, multimodal LLMs (Gemini, Gemma, Mistral, MM1), prompt engineering, and the open-source releases that shape what banks can build inside their own data perimeter.
Voice cloning, real-time speech recognition (Whisper), executive voice assistants, and the audio-intelligence stack reshaping the private-banking client experience.
Kubernetes-based platform engineering for regulated institutions: DORA-tested operational resilience, VM and container convergence, sovereign cloud, exit strategy, and the architecture that lets banks ship critical services under supervision.
PILLAR
Rust libraries, blockchain primitives, and the open-source engineering discipline behind them.
Bibliotecas Rust de código abierto que escribo y mantengo: registro, generación de código, fecha y hora, primitivas criptográficas, KEM basado en Kyber y un generador de sitios estáticos en Rust.
Bitcoin, fundamentos de blockchain, tokens ERC-20, stablecoins y el marco regulatorio en torno a los raíles de pagos respaldados por activos digitales.