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The Engineering Log

The Hidden Pipes of American Finance: How Plaid Conquered US Banking
Feature Story·January 21, 2026

The Hidden Pipes of American Finance: How Plaid Conquered US Banking

A deep technical exploration of ACH rails, Fedwire, screen scraping wars, and the API layer that now powers 1 in 2 Americans' financial lives.

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System Design for Scale: Deconstructing the UPI Architecture
System Design

System Design for Scale: Deconstructing the UPI Architecture

A deep dive into the 4-Party Model, NPCI Switch, and the asynchronous orchestration that powers 10 billion+ monthly transactions.

18 min read

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