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SLAEGA·19
poc-prototypeapi-webservice

Instant Payments & Interoperability

Nov 20251 min read
Instant Payments …
poc-prototype
api-webservice
Paiements i…
Interopérab…
ISO 20022
Switch
Temps réel
Fintech
MVP
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Instant Payments & Interoperability — MVP

The problem. In Central Africa, Mobile Money operators and banks live in silos: moving money between them is slow, costly and opaque. The goal — an interoperable instant-payments backbone where a payment moves from one actor to another in real time, with standardised messaging and strong guarantees.

What I built (MVP)

  • ISO 20022-inspired messaging and a central switch routing payments between actors.
  • Real time: event queue, idempotency and delivery guarantees (at-least-once with deduplication).
  • End-to-end traceability of every transaction and cross-actor reconciliation.
  • A transaction state machine (initiated, authorised, settled, failed, refunded) to prevent inconsistent states.

What it demonstrates. A concrete grasp of critical transactional systems: reliability, consistency and industry standards — exactly what a real-time financial system demands.

Stack

NestJS · PostgreSQL · event queue · ISO 20022 · API-first

MVP — functional backbone, not deployed to production at scale.

Technologies

Project stack

Paiements instantanésInteropérabilitéISO 20022SwitchTemps réelFintechMVP

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