Ravneet S.

I've architected 50+ production financial systems processing real money — not prototypes: 150K+ payment users, 80K+ wallet downloads with zero lost-fund incidents, and $2.5B+ in tokenized asset capacity live today. I build for fintechs, digital banks, payment operators, exchanges, and Web3 companies across the full lifecycle — architecture, backend and smart contract engineering, compliance integration, deployment, and scaling. Core Expertise Banking & Payment Infrastructure Multi-currency accounts, ledgers, treasury & reconciliation Automated payouts and merchant payment infrastructure Visa/Mastercard virtual & physical card programs Apple Pay / Google Pay ACH, SEPA, SWIFT, ISO 20022 Cross-border payments and remittance Merchant QR payments and near-real-time settlement Wallets & Digital Asset Custody Non-custodial & MPC wallets BTC / EVM multi-chain wallets WalletConnect, MetaMask & embedded wallet SDKs Seed/private-key security Transaction signing & recovery flows Custodial vs. non-custodial architecture. Exchanges & Trading Systems CEX / DEX infrastructure Matching engines & order books FIX protocol & market-data pipelines Algorithmic trading, market making & arbitrage Portfolio management systems 50K orders/sec with sub-100ms latency Infrastructure stress-tested to 1.8M TPS. DeFi, RWA & Tokenization Staking, lending, AMMs & liquidity pools Yield systems & stablecoins DAO governance & tokenomics RWA tokenization using ERC-3643 Cross-chain infrastructure Layer 2: Polygon, Arbitrum, Base, Optimism, zkSync & BNB Chain. Security, Compliance & AI KYC / KYB / AML / KYT Travel Rule infrastructure Smart-contract security & audit coordination SOC 2-aligned controls Audit logging and transaction monitoring AI agents & RAG workflows for compliance, reconciliation and fraud triage. Prediction & Data Markets Market creation and liquidity design Oracle integration Smart-contract settlement Real-time market-data feeds Selected Production Work EvoEuro — Digital Banking & Card Issuance 25K+ active cards | 35% lower processing fees RapiXchange — Fiat/Crypto Payments 150K+ users | 500+ merchants | 50+ ATM integrations Triskel Wallet — Multi-Chain MPC Wallet 80K+ downloads | Zero lost-fund incidents Oasis Pro Markets — Institutional ATS Fireblocks + Coinbase Prime | $230M+ traded | 4 security audits with zero findings BT Asset Hub — Institutional RWA Platform 3,500+ investors | $2.5B+ asset capacity Also delivered solutions for Bluechip, Sara Bank, Wenbit, Gala Swap, Libertum, and Gems.trade. Proven Results 150K+ payment users 80K+ wallet downloads with zero lost-fund incidents $2.5B+ tokenized-asset capacity 50K orders/sec with sub-100ms latency 25K+ active cards issued $230M+ institutional trading volume 4 security audits with zero findings 50+ production blockchain & financial systems delivered Infrastructure stress-tested to 1.8M TPS Technology Stack Blockchain & Crypto: Solidity · Ethereum · EVM · Polygon · Arbitrum · Base · Optimism · BNB Chain · zkSync · Foundry · Hardhat · OpenZeppelin Fintech & Trading: Python · FIX Protocol · Binance API · Kraken API · WebSockets · Algorithmic Trading · Trading Bots · Market Making · Matching Engines · Portfolio Management · Payment APIs Web3: Next.js · TypeScript · Wagmi · Viem · Ethers.js · Wallet Integration Infrastructure & Digital Assets: PostgreSQL · Kubernetes · IPFS · Arweave · Filecoin · Multi-Currency Banking Rails · Digital Asset Infrastructure Compliance & Security: KYC · KYB · AML · KYT · Travel Rule · Audit Logging · Transaction Monitoring · Security Architecture Engineering Philosophy Security, compliance, scalability, and operational resilience are architectural requirements—not features added after development.