Consulting for building Payments Stack

Over the last several years, I’ve worked hands-on with core banking, payment, and settlement systems across the U.S., India, and Latin America. My portfolio includes the ACH stack for large U.S. banks, UPI for major Indian institutions, Boleto payment rails for Brazilian benefit providers, and a range of closed-loop payment systems spanning both fiat and non‑fiat (digital) currencies.

I now help financial institutions turn this practical, multi-rail experience into modernizing legacy cores, accelerating time-to-market for new payment products, tightening reconciliation and settlement, and aligning architectures with regulatory and scheme requirements.

I believe this knowledge should compound at the community level. My goal is to share it openly through advisory, architecture reviews and workshops so that we can collectively build better, faster, and more resilient Retail and B2B payments systems.