The Architecture of Money
Description
Modern financial systems power nearly every transaction in the global economy. From card payments and mobile wallets to international remittances and real-time transfers, trillions of dollars move every day through networks of banks, payment processors, clearing systems, and settlement infrastructures.
Yet the architecture behind these systems remains largely invisible.
FinTech Systems Architecture Bible explores the infrastructure that powers modern financial systems. Instead of focusing on fintech products, this book explains the architecture that enables money to move across institutions, networks, and countries.
Through clear explanations and real-world system breakdowns, the book examines how financial infrastructure works.
Inside the book, readers will explore:
- The hierarchy of money-from central bank reserves to digital wallets
- How clearing and settlement systems move money between banks
- The architecture of card networks such as Visa and Mastercard
- Correspondent banking and Nostro/Vostro accounts
- SWIFT and the messaging infrastructure used by financial institutions
- Liquidity management in payment systems
- Treasury operations in fintech platforms
- Platforms like Stripe, Wise, and India's UPI network
- Emerging infrastructure such as stablecoins and central bank digital currencies
Written from a systems architecture perspective, the book helps engineers, fintech builders, and technology leaders understand how financial systems work beneath the surface.