Designing zero-dependency financial engines, formally verified (TLA+) transaction state machines, and high-availability multi-rail clearing infrastructure.
I architect and maintain modular, zero-dependency, production-grade financial abstractions engineered to eliminate double-charging, guarantee Serializable ACID & Two-Phase Commit (2PC) invariants, enforce PCI-DSS v4.0.1 & OFAC SDN compliance, and orchestrate end-to-end money movement at scale:
[Inbound Card / Wallet Pay-In] [Dispute & Risk Shield]
β β
βΌ βΌ
ββββββββββββββββββββββββ ββββββββββββββββββββββββ
β π³ checkout-core ββββββββββββββββββββββββΊβ π‘οΈ refund-guard β
β (TypeScript 100%) β Webhook & Dispute β (TypeScript 100%) β
β β’ PCI-DSS AES-256 β State Sync β β’ Chargeback Defense β
β β’ 3DS2 & Reg II β β β’ Automated Evidence β
β β’ Interchange++ & FX β β β’ Balance Protection β
ββββββββββββ¬ββββββββββββ ββββββββββββ¬ββββββββββββ
β β
β Zero-Sum Double-Entry Posting β
βββββββββββββββββββββ βββββββββββββββββββββ
βΌ βΌ
ββββββββββββββββββββββββ
β ποΈ ledger-vault β
β (Go 100%) β
β β’ Serializable ACID β
β β’ ISO-4217 Precision β
β β’ SHA-256 Hash-Chain β
ββββββββββββ¬ββββββββββββ
β
β Atomic 2PC Settlement & Reserve Holdback
βΌ
ββββββββββββββββββββββββ
β πΈ payout-engine β
β (Go 100%) β
β β’ OFAC & IRS 1099-K β
β β’ FedNow ISO-20022 β
β β’ NACHA ACH & SEPA β
ββββββββββββββββββββββββ
| Repository | Role & Domain | Runtime | Verification & Compliance | CI Status |
|---|---|---|---|---|
| π³ checkout-core | Inbound Payment & Acquiring Engine | TypeScript 100% |
PCI-DSS v4.0.1, EMV 3DS2, Reg II, ISO-8583, TLA+ | |
| πΈ payout-engine | Outbound Treasury & Clearing Gateway | Go 100% |
OFAC SDN, NACHA ACH, FedNow ISO-20022, IRS 1099-K, TLA+ | |
| π‘οΈ refund-guard | Dispute & Chargeback Defense Middleware | TypeScript |
Idempotent Reversals, HMAC Webhooks, Audit Ledgers | Active |
| ποΈ ledger-vault | Immutable Double-Entry Accounting Core | Go |
Serializable ACID, Zero-Sum Invariants, SHA-256 Chain | Active |
- π³ checkout-core β Enterprise Acquiring & Transaction Engine (
v1.0.0):- PCI-DSS v4.0.1 Cryptographic Isolation: Authenticated AES-256-GCM Primary Account Number (PAN) tokenization vault, ISO/IEC 7812 Luhn validation, and Apple Pay / Google Pay EMV TAVV cryptogram verification.
-
Smart Routing & Conversion Optimization: US Federal Reserve Regulation II (Durbin Amendment) least-cost PINless debit router (
STAR,NYCE,PULSE,ACCEL), EMV 3-D Secure 2 (3DS2) PSD2 SCA exemption engine, ISO-8583 hard/soft decline classifier, and multi-gateway Circuit Breakers. -
Financial Precision & Auditing: Fixed-point
BigIntISO-4217 FX conversion with deterministic Banker's Rounding (Round Half to Even), Interchange++ scheme fee calculator, ISO-20022 (pain.001.001.09) XML credit transfer generator, 3-way settlement reconciliation, and SHA-256 Merkle Tree batch inclusion proofs.
- πΈ payout-engine β Automated Treasury & Multi-Rail Disbursement Gateway (
v1.0.0):- Atomic 2PC & Marketplace Treasury: Unanimous Two-Phase Commit (2PC) batch coordinator, multi-party Stripe Connect-style split settlement with exact penny-remainder conservation, configurable Rolling Reserve holdbacks, multilateral intraday obligation netting, and Nostro liquidity pool routing.
-
Multi-Rail Clearing & Failover: Real-time US FedNow / TCH RTP (
ISO-20022 pacs.008.001.08) XML builder, 94-byte NACHA ACH CCD generator with weighted Modulo-10 ABA routing validation and R01βR29 return code classification, SEPA ISO-13616 Modulo-97 IBAN validator, and automatic rail failover. - Pre-Disbursement Regulatory Shield: OFAC SDN sanctions screening, statutory 24% US IRS Form 1099-K backup withholding for unverified TINs, 24-hour beneficiary bank-swap cooling locks (ATO defense), and bounded exponential backoff retry queues with Dead-Letter Queue (DLQ) isolation.
- π‘οΈ refund-guard β Idempotent Dispute & Chargeback Management Middleware:
- Real-time webhook state synchronization, constant-time HMAC-SHA256 signature verification, SHA-256 cryptographic audit ledgers, and automated merchant balance protection against friendly fraud and double-refund race conditions.
- ποΈ ledger-vault β Immutable Double-Entry Accounting & Reconciliation Engine:
- Append-only financial ledger enforcing PostgreSQL
SERIALIZABLEACID isolation, strict zero-sum debit/credit invariants ($\sum \text{Debits} - \sum \text{Credits} = 0$ ), ISO-4217 minor-unit precision, and tamper-evident cryptographic hash-chaining.
- Append-only financial ledger enforcing PostgreSQL
- Languages & Runtimes: TypeScript (
strictzero-dependency ESM/CommonJS), Go (Golang 1.22+ with concurrency-raceverification), PostgreSQL (SERIALIZABLEACID SQL), TLA+ (Formal Mathematical Specification). - Payment Protocols & Banking Rails: ISO-20022 (
pain.001&pacs.008), ISO-8583 Acquirer Messaging, US FedNow / RTP, NACHA ACH (94-byte CCD/PPD), SEPA Credit Transfer (ISO-13616 IBAN Mod-97), EMV 3-D Secure 2 (3DS2), Apple Pay / Google Pay Network Tokens (DPAN/TAVV). - Security, Risk & Regulatory Compliance: PCI-DSS v4.0.1 Envelope Encryption (AES-256-GCM & HMAC-SHA256 Blind Indexing), OFAC SDN Sanctions Screening, US Regulation II Debit Routing, IRS Form 1099-K Backup Withholding, AVS & Sliding-Window Velocity Limiting, SHA-256 Merkle Tree Auditing.
- Distributed Systems & Resiliency: Hybrid Two-Phase Commit (2PC) & LIFO Compensating Sagas, Transactional Outbox Pattern with Jittered Exponential Backoff, Multi-Acquirer Circuit Breakers, Three-Way Settlement Reconciliation.
Building financial-grade infrastructure requires rigorous edge-case testing, formal TLA+ state verification, continuous vulnerability audits, and automated compliance testing against banking clearing specifications.
Your sponsorship directly fuels:
- π οΈ Maintenance of production-ready, zero-dependency modules for high-reliability payment architectures.
- π Zero-day security patching, PCI-DSS v4.0.1 / OFAC compliance research, and formal invariant verification.
- β‘ Continuous integration pipelines and deterministic multi-rail clearing test suites.
π Become a GitHub Sponsor to support ongoing open-source maintenance