Blog
News, articles and notes.
How to test a P2P processor before meaningful volume
Begin with ownership of accounts and funds, then inspect evidence, run a bounded pilot, complete a real settlement and test contractual exit rights.
5 min read
Indonesia: QRIS, BI-FAST and wallets operate at different payment layers
Separate the QR standard from banking infrastructure, interpret QRIS statuses and verify what a merchant integration actually supports.
5 min read
The shift ended; the money did not: a P2P settlement ledger
Follow one settlement day across bank movements, merchant payables, player withdrawals, security collateral and a separately recorded FX result.
5 min read
The P2P team control desk: where conversion hides losses
Control a trader shift through unresolved obligations, evidence quality, available liquidity and manual decisions, rather than a single conversion rate.
5 min read
Pakistan: separating Raast, JazzCash and easypaisa transfers from merchant acquiring
A mobile number, IBAN, merchant alias and OTC token represent different payment flows. Understand identifiers, confirmation and refunds.
5 min read
The SMS forwarder saw a transfer. Can the P2P order be closed?
Ingest bank notifications without false confirmations: delivery delays, repeated events, device health and reconciliation against bank records.
5 min read
Shortpaid, overpaid, disputed: who funds the difference?
Work through shortfalls, excess transfers and refunds after settlement, including evidence, loss allocation and changes to trader collateral.
6 min read
Bangladesh: bKash, Nagad and a bank account are not interchangeable
The operational differences between personal wallets, merchant accounts, agent outlets and bank transfers in Bangladesh.
4 min read
The order expired, then money arrived: a P2P order’s lifecycle
Handle late, partial and repeated receipts without losing their link to the original order. Evidence sources and rules for recognizing money.
5 min read