
Clara Network
A Mastercard/Visa-style card payment network built end-to-end in Go. I designed the ISO 8583 switch, BIN-based authorization routing with failover and stand-in processing, and an append-only double-entry ledger with reconciliation — then layered the issuing stack (EMV ARQC verification, token vault, wallet provisioning), acquiring stack (merchant boarding, MATCH/OFAC screening), a disputes engine, HSM key management, and 24/7 ISO 20022 instant settlement on top.



