Articles on AI, post-quantum cryptography, ISO 20022 and the future of payments.
PILLARS
Curated topic clusters — pick a thread and follow it through the archive.
Lattice-based cryptography, NIST PQC standards, quantum-safe payments, and the harvest-now-decrypt-later threat. Research notes, open-source libraries, and migration playbooks for financial-services security teams.
Cross-border message migration, structured-address compliance, SEPA Instant, SWIFT gpi, and the wholesale-payments rails carrying it all. Tools, playbooks, and the regulatory clock.
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.
Generative AI, multimodal LLMs, voice, and speech models — and how they reshape banking operations, customer service, and product engineering at Tier-1 institutions.
Open-source Rust libraries I author and maintain: logging, code generation, date-time, cryptographic primitives, Kyber-based KEM, and a Rust static site generator.
Bitcoin, blockchain fundamentals, ERC-20 tokens, stablecoins, and the regulatory frame around digital-asset-backed payment rails.
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.
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.
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.
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.
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.
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.
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.