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Goals and Non-Goals

Goals​

Financial Correctness​

  • Enforce Total Debits = Total Credits on every ledger transaction
  • Immutable ledger records; reversals via compensating entries
  • Accurate available and pending balance calculations
  • Multi-currency support with FX handling

Scalability​

  • 100K+ customers, 1M+ transactions, high concurrent payments
  • Kafka partitioning for event throughput
  • Horizontal pod autoscaling on EKS

Reliability​

  • 99.9% availability on payment and ledger paths
  • Saga coordination for distributed workflows
  • Disaster recovery with defined RPO/RTO

Security & Compliance​

  • KYC/AML screening, audit trails, RBAC

Non-Goals​

Non-GoalRationale
Cryptocurrency tradingOut of initial scope
Physical branch opsDigital-first platform
Card network integrationPhase 2
HFT tradingRetail/wealth focus
Multi-tenant SaaSSingle-tenant per environment