Writing
What we learn shipping US rails integration, written down — for the engineering and payments leads who will have to live with the result.
ISO 20022 in practice
Migration, mapping, validation, and the data problems hiding under the messaging standard.
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ISO 20022 is a data project, not a format swap
Every major US rail now speaks ISO 20022, and most migrations still get it wrong the same way: structured fields, unstructured data. Where the real work lives and how to sequence it.
The US rails, explained for entrants
RTP, FedNow, FedWire, and ACH — access paths, tradeoffs, and how they behave in production.
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Your SEPA-shaped API can't send a US payment — and where the rails seam really lives
Why a European bank's public API almost never has a place for a US-domestic payment, what that means for a US rails integration, and the one design decision every US entry path shares.
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