banking-payments-hub

What problem does it solve?

The Payments Hub consolidates and automates payment orchestration across multiple rails, removing manual routing decisions and reducing failed or inconsistent payment submissions by enforcing deterministic routing, velocity controls, and idempotent initiation.

Core Features & Use Cases

• Deterministic Rail Selection: Rule-based selection (wire, ACH, RTP, internal, bill pay, P2P) with cutoff/time awareness to ensure predictable routing.
• Idempotency & Resilience: Enforce idempotency keys, persist mappings, and use Resilience4j circuit breakers with fallback queuing for robust external adapter interactions.
• Velocity & Risk Controls: Daily/monthly/per-transaction limits driven by risk tiers and persisted limits with pre-submission blocking.
• External Payee Management: Async micro-deposit verification flows, verification state handling, and safe payee onboarding.
• Use Case: Route a high-value corporate payment to wire before cutoff, enforce limits, persist idempotency, and emit events to post ledger entries upon confirmation.

Quick Start

Use the payments hub to initiate an immediate $1,000 USD payment from debit account 123 to external payee PAYEE_ID with a unique idempotency key.