Sebastien Rousseau — IA, paiements et cryptographie quantique

For decision makers

Where this work shows up
on the balance sheet.

The open-source libraries below aren’t research curios. Each one maps to a board-level risk a Tier-1 bank is being asked to evidence under DORA, BCBS 239, Basel III or NIST CSF 2.0 — and shaves real cost off the audit trail that satisfies the regulator.

Compliance

DORA Article 5 & BCBS 239 evidence

Lossless parsing, signed releases and structured ISO 20022 outputs mean the configuration and payment files that move money are auditable end-to-end. Less to defend in your next supervisory exam.

See the case studies ›

Cost reduction

Open source over proprietary licensing

Apache-2.0 / MIT replaces six- and seven-figure vendor contracts on pain.001 generation, statement parsing and edge security tooling. Audit-grade quality without the per-seat fee.

Browse the projects ›

Strategic hedging

Post-quantum cryptography readiness

KyberLib gives your team an inspectable, NIST FIPS 203-aligned implementation of ML-KEM today — ready for the SWIFT structured-address cutover and the longer harvest-now-decrypt-later horizon.

Read the research ›

Sinulat at pinananatili

Open source para sa
kinabukasan ng finance.

Isang portfolio ng mga Python, Rust at JavaScript library na ginawa at pinananatili ko. Open source, libreng gamitin, at inilapat sa wholesale payments, cross-border settlement, financial data at quantum-resistant cryptography.

Python · Payments

pain001

Problema: Ang mano-manong paggawa ng ISO 20022 pain.001 ay pabigat sa ilalim ng SEPA at SWIFT na cutover.
Diskarte: Schema-driven na Python na nagma-map ng CSV o SQLite sa validated na payment XML.
Resulta: Naipapadala ng Ops ang pain.001 sa loob ng ilang minuto; nananatiling buo ang audit trail matapos ang migration.

Epekto ISO 20022 · SEPA + SWIFT

Matuto tungkol sa pain001

4116Apache-2.0last commit 2mo ago

Python · Cross-border

pacs008

Problema: Nabibigo ang FI-to-FI credit transfers sa audit kapag nagkakaiba ang XSD, IBAN, at PII rules.
Diskarte: Isang library: JSON Schema, XSD, IBAN sa 75 na bansa, masking na may GDPR-grade.
Resulta: Cross-border credit transfers na pumapasa sa unang pagsubok sa regulator.

Epekto 75 bansa · IBAN

Matuto tungkol sa pacs008

2Apache-2.0last commit 2mo ago

Python · Finance

Bank Statement Parser

Problema: Nagtutrap ang mga format ng statement sa mga reconciliation team sa manu-manong pag-rekey.
Diskarte: Isang Python toolkit na nag-no-normalize ng multi-format na mga statement na may audit-grade lineage.
Resulta: Tumatakbo ang reconciliation nang walang bespoke na glue code para sa bawat bangko.

Epekto Multi-format · Audit-grade

Matuto tungkol sa Bank Statement Parser

215Apache-2.0last commit 1mo ago

Rust · Security

Hash (HSH)

Problema: Iniiwan ng Pre-PQC hashing libraries ang mga credential store na quantum-exposed.
Diskarte: Memory-ligtas na Rust hash at digest library na may post-quantum na postura.
Resulta: Drop-in na secure hashing para sa mga serbisyong nagpaplano ng PQC migration.

Epekto Memory-ligtas · Rust

Matuto tungkol sa HSH

201Apache-2.0last commit 4mo ago

Rust · Quantum

KyberLib

Problema: Ang mga Tier-1 na bangko ay may harvest-now-decrypt-later na exposure sa bawat TLS session.
Diskarte: Pure-Rust CRYSTALS-Kyber (NIST FIPS 203) na naka-plug sa mga umiiral na auth flow.
Resulta: Post-quantum key exchange sa production-grade na Rust, independyenteng na-validate.

Epekto NIST FIPS 203

Matuto tungkol sa KyberLib

413last commit 4mo ago

Rust · YAML

noyalib

Problema: Ang AI, MCP at config pipelines ay tumatakbo sa mga YAML parser na may C-backed UB at tahimik na spec drift.
Diskarte: Pure-Rust YAML 1.2 sa library, CLI, LSP, MCP at WASM — zero unsafe, buong spec.
Resulta: Mga YAML pipeline na hindi na magiging mahinang link ng supply chain.

Epekto 406 / 406 spec · 0 unsafe

Matuto tungkol sa noyalib

1Apache-2.0last commit 1mo ago

I-browse ang lahat ng proyekto

“تُهدّد الحوسبة الكمومية الأسس التشفيرية للخدمات المالية. فالمدفوعات — من الزمن الحقيقي إلى التسوية العابرة للحدود — ترتكز على وسائل حماية ستجعلها الحوسبة الكمومية في نهاية المطاف عتيقة.”
Emerging Payments Association Asia (EPAA)Quantum-Safe Payments white paper · septembre 2025 · Basahin ang white paper

Emerging Payments Association Asia (EPAA) · septembre 2025

Quantum-safe payments.

Industry white paper para sa Emerging Payments Association Asia. Ang structural threat ng quantum computing sa payment infrastructure, at ang dahilan para sa coordinated action ngayon.

EPAA · septembre 2025

Bakit kailangang kumilos na ang industriya ng payments.

باتت الجهات التنظيمية تتعامل مع مبدأ « اجمع الآن وفُكّ الشفرة لاحقًا » بوصفه خطرًا حاضرًا ذا مصداقية. تستعرض هذه الورقة التهديد البنيوي والحجة العاجلة لتحرّك منسَّق عبر قنوات مدفوعات الجملة.

Basahin ang white paper

Pinakabago

Mula sa mesa.

Kamakailang research at pagsusulat sa quantum-safe cryptography, ISO 20022 migration at kinabukasan ng wholesale payments.

Abstract quantum-blue light field — symbolising the post-quantum banking resilience index and the migration of financial cryptography to ML-KEM, ML-DSA and SLH-DSA

Post-Quantum Cryptography · PQC · EO 14409

Ang Post-Quantum Banking Resilience Index sa 2026: EO 14409, Mga Pandaigdigang Takdang Petsa, at Fiduciaryong Cryptographic Agility

June 26, 2026

TL;DR Ginagawa ng EO 14409, ng takdang petsang 2030 ng ANSSI at ng DORA Article 5 ang post-quantum migration bilang isang resilience index na handa para sa lupon — isang 0–5 maturity scorecard para sa mga bangko.

Aerial dawn view of a major financial centre at the edge of land and sea — symbolising the convergence of agentic commerce, invisible payments, and real-time treasury infrastructure in the 2026 global payments cycle

Global Payments Outlook · Agentic Commerce · MCP

Ang 2026 Global Payments Outlook: Operating Model, Risk, at Revenue sa Mundong Agentic, Invisible, at Real-Time

June 25, 2026

TL;DR Ang 2026 global payments cycle ay agentic, invisible, at real-time. Isang operating model para sa G-SIB at regional bank na sumasaklaw sa risk, revenue, tokenisation, at sa novembre 2026 SWIFT structured-address cut-over.

Aerial view of a global financial district at dawn — symbolising the post-quantum dawn for corporate and investment banking and the transition from KyberLib to an enterprise-wide quantum-resilient payments stack

Post-Quantum Cryptography · PQC · KyberLib

Quantum Dawn para sa CIB: Mula KyberLib tungo sa Quantum-Resilient Payments Stack

June 25, 2026

TL;DR Mula KyberLib tungo sa enterprise CIB programme — paano lilipat ang mga bangko mula FIPS 203 ML-KEM at FIPS 204 ML-DSA experiments tungong quantum-resilient payments stack.

Container ship at a deepwater port at dawn — symbolising the multi-rail, cross-border movement of corporate value across ISO 20022, open finance, and tokenised-deposit settlement networks in 2026

Cross-Border Payments · ISO 20022 · Open Finance

Cross-Border 2026: ISO 20022, Open Finance at Tokenised Deposits sa Corporate Treasury

June 24, 2026

TL;DR Paano binabago ng ISO 20022, A2A, open finance sa ilalim ng PSD3/FiDA, at tokenised deposits ang cross-border corporate treasury kasabay ng SWIFT sa 2026.

Steel arteries of a modern clearing centre at dawn — symbolising ISO 20022 pain.001 and pacs.008 as the autonomic nervous system carrying programmable liquidity across global treasury, SWIFT MX, and CBPR+ rails

ISO 20022 · Pain.001 · Pacs.008

Mula Pain.001 Tungong Programmable Liquidity: ISO 20022 Bilang Autonomic Nervous System ng Treasury sa 2026

June 23, 2026

TL;DR ISO 20022 pain.001 at pacs.008 sa 2026 — paano muling itinatayo ng MX-native treasury API, structured address, at programmable liquidity ang autonomic nervous system ng CIB treasury.

Close-up of a developer terminal scrolling Rust compiler output — the visible discipline of a memory-safe, audit-able cryptographic substrate beneath an enterprise banking authentication estate

Hsh · Rust · Banking

Pag-secure ng Password Management sa Enterprise Banking: Multi-Algorithm Hashing at Upgrade gamit ang hsh

June 22, 2026

TL;DR Ang hsh ay isang pure-Rust cryptographic framework na nagbibigay-daan sa mga tier-1 bank na mag-migrate ng legacy password hash patungong Argon2id nang walang downtime, may HSM peppering at memory-safe na DORA-aligned na disenyo.

Tingnan ang lahat ng artikulo

Karanasan

Mga brand sa daan.

Mula sa global Tier-1 banks hanggang sa consumer technology. Payments at digital product leadership sa HSBC, PayPal, Barclays, Shazam, AKQA at Virgin Group.