Airwallex.

Business accounts across currencies mean the boring parts carry all the risk.

Client: Airwallex
Sector: Fintech
Scope: App + web
Stack: TypeScript, Java / Spring, React

Overview

Global business accounts and FX. Interfaces and services for money moving across borders.

01 — The challenge

What made it hard.

Multi-currency business accounts combine FX, compliance and settlement across jurisdictions, each with its own rules. An outage here is a regulatory event rather than an inconvenience.

Onboarding compliance

KYC and AML checks have to satisfy regulation without becoming the reason users abandon signup.

Provider dependency

Payment rails fail in ways you do not control. The system has to degrade without losing money.

Audit expectations

Regulators ask what happened on a specific date to a specific account. The answer has to take minutes.

02 — The product

What we shipped.

Account interfaces and the services behind them: balances, transfers, FX quoting and the operational tooling that supports them.

03 — The build

How it holds up.

Idempotent money-moving endpoints, audit trails written on the same transaction as the change, and failure modes specified alongside the happy path.

The system
Every balance is derived from an append-only record rather than stored and mutated, so history can be reconstructed at any point. Provider dependencies degrade without losing money.