The challenge
A global B2B operator needed to move money across 40+ currencies and 6 regulatory zones — without ever explaining a routing decision to a customer. Every transaction had to settle within seconds, leave a clean audit trail, and survive a regulator audit on a random Tuesday.
The legacy stack — three layers of sequential SWIFT-style messages — was costing them volume. Every batch took 4–6 hours. FX exposure leaked. Reconciliation was a manual game.
Approach
We rebuilt the payment core as event-sourced: every state transition writes an immutable event, every read replays the log. Routing is declarative — corridors are first-class objects with cost, speed, and compliance constraints.
- Decoupled the corridor engine from the settlement engine — they scale independently and can fail independently without losing money
- Single FX book per currency pair, sourced from 5 LP feeds, executes against the cheapest route in < 8ms
- Idempotency keys at every public endpoint — retries never double-charge
- End-to-end traces: client request → routing decision → FX leg → settlement → confirm. One ID, one log line, full story.
The product · CreonPay
CreonPay ships this stack as a consumer app — "The Future of Payments in Your Pocket". A P2C platform that combines QR payments, secure storage, and instant cash-outs to any card. Store, send, exchange and pay through local QR systems worldwide.
Live in
Connected to leading rails — PayNow · VNPay · UPI — and growing across new corridors
Stack
Compliance baked in
Compliance isn't a wrapper — it's part of the routing logic. Every transaction passes through screening, sanctions check, KYC tier resolution, and policy routing before it even hits FX.
- PCI DSS — Level 1 ready · cardholder-data isolation via tokenization at edge
- KYC / AML — tier-based limits · auto-escalation triggers · SAR pipeline
- GDPR / PDPL — data subject requests handled in-app · audit log of every access
- Sanctions screening — OFAC, EU, UN lists · 6-hour refresh · realtime hit-on-write
Results
Six months after go-live the operator hit 2,841 TPS sustained peak with 99.99% uptime over 90 rolling days. P99 settlement latency dropped from 4 hours to under 50ms for domestic legs, under 12 minutes for the slowest cross-border corridor.
- Manual reconciliation hours fell 94% — auto-recon catches edge cases the operator didn't know existed
- FX leakage down 71% — cheapest-route selection runs faster than human traders could argue
- Time-to-add-corridor dropped from 6 weeks to 4 days — corridors are config, not code releases
- Zero P0 incidents in production after the third month
The product front-end runs at creonpay.com. The infrastructure runs everywhere money needs to move.