Cut settlement latency from minutes to milliseconds.
220ms
p99 settlement, down from 4 minutes — zero reconciliation drift in 14 months.
Problem
A batch-based ledger buckled under 40× growth. Reconciliation ran hourly, payouts lagged, and the on-call team was drowning in manual fixes.
Solution
We re-architected the core to an event-sourced ledger on Kafka, added idempotent settlement workers, and shipped an observability layer with per-transaction tracing.