Mortgage referral & settlement pipeline
End-to-end referral, valuation handoff, and lender settlement workflow inside a regional brokerage platform.
SVC // 03
Digital Payment Systems Architecture
Ledger design, settlement workers, reconciliation, dispute workflow, and PCI-aware data handling — engineered to behave correctly under regulator audit and bad-network conditions alike.
▌▌▌ WHAT WE DELIVER ▐▐▐
DELIVERABLES
Money should not move ambiguously.
- // LEDGER SCHEMA Double-entry ledger with strong invariants, append-only journals, and provable balance reconstruction.
- // IDEMPOTENCY CONTRACTS Every payment operation is safely retryable, with deduplication keys and replay-safe state machines.
- // SETTLEMENT WORKER Backpressured worker pool that handles batching, partner cutoffs, and cross-currency timing.
- // RECONCILIATION Automated reconciliation against processor reports with structured exception queues for finance ops.
- // AUDIT TRAIL Tamper-evident audit log per actor and per amount, exportable for regulators or internal review.
- // DISPUTE WORKFLOW Chargeback intake, evidence assembly, and a clear UI for ops to defend or accept losses.
▌▌▌ REPRESENTATIVE ENGAGEMENTS ▐▐▐
DOSSIER
Selected work — redacted.
▌▌▌ HOW WE WORK ▐▐▐
PROCESS
Model first. Then ship.
- // 01 MODEL We map every money-moving event and write the invariants down before code is written.
- // 02 IMPLEMENT Ledger, idempotency, settlement, and reconciliation are built against those invariants with property-based tests.
- // 03 RECONCILE We instrument finance-ops review tools so the human in the loop is fast, not blocked.