Engineering Challenges of Payments (Compliance × Clearing × Risk)

• Complex compliance matrix across jurisdictions (KYC/KYB, AML/CFT, card network rules).

• Clearing coordination across on-chain assets and fiat/stable accounts; auditable ledgers, settlement aging, invoices/tax.

• Limits & fees management by region/channel/KYC tier; transparent dynamic fees.

• Closed-loop risk control with device fingerprinting, behavior models, merchant risk, chargeback/refund workflows, arbitration trails.

• Unified UX that compresses top-up, charge, rebate, points sync, and rights issuance into clear, one-tap flows.