Unifin Payment Bank: the money suite of the market. Solution architecture Diagram

Money day core

Member and fund accounts: a single register with holds
Orders: checks, signature, queue, retries without duplicates
The DvP cash leg executes only by delivery status

Settlement reliability

Hard checks: without coverage no money moves
Idempotency: a retry does not create a duplicate
Money is only a confirmed pair of postings

Channels and formats

ISO 20022: pacs.008/009, camt.053, pain.001
SWIFT MT103/202/940/950
Market formats, certification and channel SLAs

Access and audit

Keycloak: single sign-on, tokens, roles
The four-eyes principle on funds and bank detail changes
Immutable journal and masked account details