A global platform needed to expand payouts across new markets using existing bank partners plus local collaborators. Capstone integrated bank connectors, standardized approvals and reconciliations, and stood up tiered AML/KYC operations with runbooks and QA.
Faster corridor launches, lower exceptions rates, and a unified ledger/reporting layer for finance
Built a UNI-RAIL middleware layer that exposes stable, versioned REST endpoints (OpenAPI) over a legacy/mainframe core that only provided CSV and batch interfaces; added HMAC-signed webhooks(instruction.created, instruction.settled, rfi.*).Adapter pattern: host adapters (MQ/DB2/screen automation as last resort), batch-to-event converter, CSV/flat-file parsers, ISO-20022-inspired canonical objects for accounts, instructions, and reconciliation.Governance portal with policy-as-code (OPA), RBAC, dual-control approvals, audit trails, and observability(request IDs, traces, error budgets).SLOs aligned to your master schedules: 99.9% availability, ≤100 ms median / ≤500 ms P99 on core paths; acceptance via KPI reviews.The client’s stack did not expose modern external REST APIs. As market context, enterprise vendors like FISprovide core platforms (Profile/IBS) and API gateways (Code Connect) for modernization; meanwhile IFS Cloudshows an OpenAPI-first approach in enterprise software (useful for API governance patterns).
Policy-driven routing engine: chooses the best fiat rail / corridor by risk, cost, SLA, cutoff.ISO 20022 message alignment for initiation/clearing/reporting (pain/pacs/camt) and account reporting (camt.052/053/054).Embedded AML/KYC casework (L1–L3) with per-bank policy packs (field masks, screening settings, TM scenarios) and evidence automation—feeding RFIs through UNI-RAIL and reducing them >70% for this client.Operational visibility via webhooks + dashboards; unified ledger simplified month-end close.Uses Fed/industry guidance to keep teams current on ISO 20022 transitions (CBPR+/FedNow context).
AML orchestration backbone with a common case schema (KYC/KYB, sanctions, adverse media, TM alerts), L1-L3 queues/QA, and regional partitions (encryption domains/keys per region, tokenized cross-region references).Tool-per-region selection under a FATF-aligned risk-based approach; standard evidence packs for bank/regulator inquiries; UNI-RAIL RFI workflow integration.Data minimisation & storage limitation (GDPR Art. 5) and AML recordkeeping ≥5 years where applicable; DPIAs and transfer mechanisms (SCCs/UK IDTA) as required by the corridor.Results: false positives −30–45% (region-dependent), alert handling time −35%, clean audit outcomes with regional segregation controls.
UNI-RAIL API (sandbox): /banks, /transactions, /wire-instructions, /request-for-information, /tbill-instructions.Service levels (targets): 99.9% uptime; ≤100 ms median / ≤500 ms P99 on core endpoints; incident response/restoration per schedule.FIS Profile/IBS, Code Connect API marketplace; modernization guidance; KC Fed core modernization brief.
OpenAPI/OData-first docs, API documentation endpoints, and OpenAPI Initiative note.
ISO official site & message catalogue; SWIFT CBPR+/program docs; BIS CPMI data requirements; Fed/FedNow resources.
FATF Recommendations & risk lists; GDPR Article 5 & regulator guidance on minimisation/storage limitation.