Engineered an enterprise financial escrow engine with dual-signature authorization, automated KYC verification, and instant bank settlement rails.
1. The Engineering Challenge
Cross-border B2B transactions required up to 4 business days for manual escrow release and suffered high intermediary exchange fee deductions.
2. The Architectural Solution
Architected an immutable double-entry ledger database with cryptographic HMAC signatures, automated AML compliance checks, and real-time bank settlement webhooks.
3. Measured Real-World Impact
- Over ₹50 Crore in cross-border settlements processed with zero security incidents
- Reduced transaction settlement release time from 4 days to under 2 minutes
- 100% automated pass rate in independent 3rd-party PCI-DSS compliance audits
- Real-time telemetry and audit logs providing complete ledger transparency
