When we first launched eWallet, we processed a few hundred transactions per day. Fast forward to today, and we're handling millions of payouts monthly across multiple payment rails. This is the story of how we scaled our instant payout infrastructure while maintaining 99.9% uptime and full regulatory compliance.
The challenge wasn't just about handling more volume—it was about doing it faster, cheaper, and more reliably than ever before. We needed to support multiple payment rails (ACH, RTP, FedNow, wire) and intelligently route transactions based on cost, speed, and availability.
Our solution involved building a sophisticated orchestration engine that analyzes each transaction in real-time and selects the optimal payment rail. The engine considers factors like transaction amount, urgency, destination bank capabilities, and current network status.
We implemented a multi-tiered caching strategy using Redis to reduce database load by 80%. Critical payout metadata is cached with intelligent invalidation rules, ensuring we never serve stale data while maintaining sub-second response times.
For compliance, we built an automated monitoring system that screens every transaction against OFAC watchlists and detects suspicious patterns in real-time. When issues are detected, the system automatically creates compliance cases and notifies our operations team.
The results speak for themselves: 99.9% payout success rate, average processing time reduced from 2 minutes to under 10 seconds, and operational costs decreased by 45% per transaction.
Looking ahead, we're working on predictive routing that uses machine learning to anticipate network issues and route transactions proactively. We're also expanding to support international payouts through partnerships with global payment networks.
