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Oliver Buchannon
Gaurav Nikumbh

System Design

+7

One Platform. Fifty Banks. Zero Chaos.

Jun 4, 2026

•

4 min read

One Platform. Fifty Banks. Zero Chaos.

The multi-tenant problem in FinTech is harder than it looks - and most platforms solve it wrong the first time.

Gaurav Nikumbh
Gaurav Nikumbh

Payment Failures

+6

The Real Cost of a Payment Failure

May 11, 2026

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3 min read

The Real Cost of a Payment Failure

Most platforms measure what they can see. The expensive part is what they can't.

Gaurav Nikumbh
Gaurav Nikumbh

Platform Products

+8

Your API is a Product. Start Treating It Like One.

Apr 14, 2026

•

6 min read

Your API is a Product. Start Treating It Like One.

How contract-first API design improved bank integration success by 18% - and what most teams get wrong before they write a single line of code.

Gaurav Nikumbh
Gaurav Nikumbh

ACH

+6

The Hidden Complexity of Scheduled Payments

Apr 1, 2026

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6 min read

The Hidden Complexity of Scheduled Payments

"Schedule for later" sounds simple. It's one of the hardest things to build correctly in FinTech.

Gaurav Nikumbh
Gaurav Nikumbh

ACH

+3

Why I Stopped Retrying Failed ACH Transactions Blindly

Mar 22, 2026

•

5 min read

Why I Stopped Retrying Failed ACH Transactions Blindly

A 12% improvement in ACH success rates didn't come from trying harder. It came from trying smarter.

Gaurav Nikumbh
Gaurav Nikumbh

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