Coreal.
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01Resources

The reading list
a tech-due-diligence team
works through.

Five canonical long-form references — written for the architects, risk officers and AI leads on the buyer side. Each one is a load-bearing document we link from sales conversations and regulator briefings.

5 DEEP DIVESREGULATOR-READABLEVERSION-CONTROLLEDUPDATED MONTHLY
02Deep dives

Five canonical references.

LEDGER · D01v1.2

Designing a ledger that survives an audit.

Why double-entry beats single-entry under concurrency, what a posting actually looks like, and how zero reconciliation drift falls out of the design — not out of a Friday cleanup job.

Audience: Senior architect, principal engineer, head of payments22 min · 2026-04-30
OPS · D02v1.0

Anatomy of a card auth, hop by hop.

A real production card-auth trace, with timing, ledger postings, and decision rationale at every hop. The same view an analyst sees in the operator workspace.

Audience: Payments engineer, principal architect, risk ops lead14 min · 2026-04-22
COMPLIANCE · D03v1.1

Three lines of defense, written down as configuration.

How the 1L/2L/3L model becomes diffable, reviewable artefacts in the same git history as the code — including who can change what, who has to approve, and how the regulator reads it.

Audience: Risk officer, head of compliance, internal audit lead17 min · 2026-04-15
AI · D04v1.3

Bounded AI: agents inside a replay-safe perimeter.

How operator AI suggests, never decides; how every prompt is journaled; how a regulator pulls the input hash, the output, and the human override seven years later.

Audience: AI lead, head of operations, model risk officer19 min · 2026-04-08
ENGAGEMENT · D05v2.1

The 90-day Wave-1 runbook, in detail.

Day-by-day deliverables for a telco × bank Wave-1 deployment. Phases, owners, named outputs, dependencies, gates. The artefact a programme manager hands to the steering committee.

Audience: Programme manager, head of digital, sponsor-bank delivery lead24 min · 2026-04-01
04Insights

Rolling editorial.
Shorter, faster.

Resources are load-bearing references. Insights is the rolling editorial — shorter pieces on engineering and policy, updated weekly. Read both for the full picture.

Read Insights →
RECENT INSIGHTS
Why a telco joining a bank is not a fintechPOLICYHierarchical accounts: the data model under a walletENGINEERINGKYT on crypto deposits — what regulators look atCOMPLIANCEBounded AI: agents inside a replay-safe perimeterAI
·Engagements

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