Non-functional characteristics
| Area | Baseline expectation |
|---|---|
| Availability | Target production availability is 99.9% or higher for customer-facing and integration APIs, excluding approved maintenance windows. |
| Scalability | The runtime is horizontally scalable at the stateless service layer and supports burst processing for onboarding, decisioning and notification workloads. |
| Consistency | Financial state changes are committed transactionally within domain boundaries. Events are emitted using outbox-style delivery to preserve ordering and replay safety. |
| Performance | Read-mostly services use caching and read-model optimization. Critical customer and balance lookups are engineered for low-latency access with environment-specific sizing. |
| Recovery | Multi-zone deployment, automated backups, controlled restore procedures and failover runbooks form the standard operating baseline. |
| Observability | Central metrics, structured logs and distributed tracing are mandatory for all production services and integration adapters. |
Environments and deployment model
A standard implementation uses separate sandbox, test, pre-production and production environments. Sandbox is intended for partner integration and does not carry production data. Pre-production mirrors production security and deployment policies closely enough to support release rehearsals, volume testing and operational sign-off. A typical deployment baseline includes:- containerized services orchestrated on Kubernetes or equivalent managed runtime
- dedicated API gateway and webhook ingress
- managed transactional datastores with backup automation
- centralized observability stack
- secure secret and certificate management
- CI/CD pipelines with gated promotion between environments