Hello Devs. I'm Gabriela, a Regulatory Advisor (the person who usually tells Product Managers "no"). Currently, I'm working with the engineering team at SQHWYD to solve a specific problem: How do we implement rigorous AML (Anti-Money Laundering) checks without killing transaction throughput?
In the "Wild West" days of crypto, you could just pipe a transaction to the mempool. Done. But in a regulated environment (especially here in Brazil/LatAm), every fiat on-ramp trigger implies a synchronous call to identity verification providers and sanctions lists.
The Engineering Constraint: We are balancing Compliance_Security vs. User_UX. If the KYC webhook takes >3 seconds, drop-off rates spike. If we skip it, we lose our license.
The Solution (Architecture Level): We moved from a monolithic check to an asynchronous event-driven architecture for risk scoring.
Liveness Detection: Happens on the edge (client-side SDK) to reduce server load.
Risk Engine: We use a tiered system. Low-risk wallets get "Optimistic UI" processing, while high-risk flags trigger a manual review queue via backend microservices.
For developers building in Fintech: Don't treat legal requirements as an afterthought. "Hardcoding" compliance rules into your core logic is technical debt. Build dynamic rule engines instead, because regulations change faster than your deployment cycle.
I'd love to hear how other devs handle the trade-off between Security and Latency in financial apps.
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