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📚 Series

Building a High-Performance Instant Payment System

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Ayoub Ait Dahmane1 of 12 episodes publishedOngoing series

Instant payments changed the rules. SEPA Instant (SCT Inst) doesn't give a bank 24 hours to settle a transfer — it gives 10 seconds, end to end, 24/7/365. That single regulatory constraint cascades into almost every architectural decision covered in this series: how services communicate, how fraud gets caught without adding latency, how a database is sharded, and how a team responds when something breaks at 3 AM.

This series is a field guide to building that kind of system, written as I build one. It's organized as twelve episodes, each tackling one layer of the problem — starting with the regulatory and business constraints, moving through architecture, performance, fraud detection, resilience, compliance, infrastructure and security, and closing with the human side of shipping and sustaining a system like this.

New episodes are added as they're written. Jump into whichever one is most relevant to what you're working on, or start from Episode 1 if you want the full arc.

Episode roadmap

1The Problem SpaceUnderstanding constraints before writing a single line of codeSep 1, 2026 · 6 min read
2System Design & ArchitectureChoosing the right components for the right reasonsComing soon
3Performance & ScalabilityHolding the 10 seconds under loadComing soon
4Fraud DetectionReal-time anti-fraud without killing performanceComing soon
5Resilience & ObservabilityWhat happens when things go downComing soon
6Regulatory & Compliance LayerThe architecture of complianceComing soon
7Technology Stack Deep DiveWhy these technologies and not othersComing soon
8Database Design for PaymentsThe data model that holds under loadComing soon
9Testing StrategyHow to test a payment system without risking productionComing soon
10Cloud & InfrastructureDeploying a payment system in productionComing soon
11Security by DesignSecuring every layer of the systemComing soon
12The Human SideWhat tutorials don't teach youComing soon
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Written by Ayoub Ait Dahmane

Tech Lead Java — building SEPA Instant / ISO 20022 payments infrastructure and writing about the hard parts of shipping it.