Card Issuer-Processor
Building in publicA working issuer-processor — the system behind a card that decides in real time whether to approve a purchase, moves the money without ever charging twice, and keeps books that cannot go out of balance. Built the way Marqeta or Lithic would build it, at the scale one engineer can run and test end to end.
- Double-entry ledger with a DB-enforced balance invariant
- Tokenized card vault kept outside operational tables
- Card lifecycle incl. one-time virtual cards
- Schema, ledger tests, and CI on every push
- Authorization engine: balance, card status, MCC, velocity, decline codes
- Idempotent auth → capture → settle → refund
- Simulated card network driving transactions
- Kafka events and end-of-day reconciliation