Engineering

API-First for Financial Infrastructure — Design Principles for Systems That Cannot Fail

GD

Gabriel Darruiz

Head of Engineering

March 03, 20267 min read

In financial settlement infrastructure, an API failure can mean funds stuck in transit, duplicated operations, or regulatory violations. This constraint shaped every design decision for Infracash's API.

Principle 1: Explicit and Versioned Contracts

Each endpoint has an OpenAPI 3.1 contract with typed schemas and automatic validation.

Principle 2: Idempotency by Design

Each write operation accepts an idempotency key. Duplicate requests return the original result without reprocessing.

Principle 3: Structured and Actionable Errors

Each error response includes a unique code, human-readable message, and an "action" field.

Principle 4: Layered Authentication

mTLS for channel authentication and API keys with granular scopes for authorization.

Principle 5: Native Observability

Each request generates a trace ID that follows the operation through all layers.


References: Stripe Engineering Blog, KPMG (2025), Global Payments / Google Cloud (2025).

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