April 14, 2026 · 8 min read

NPCI rail routing with human-in-the-loop

UPI, IMPS, NEFT, RTGS — which rail to use depends on amount, urgency, window, success-rate history. A deterministic chooser with a HITL gate above ₹2 lakh.

PaymentsNPCIFinTechHITL
April 13, 2026 · 7 min read

Policy as code, without the risk team having to ship code

A tiny CEL-style DSL plus a board-approved YAML file. The risk team adds a governance rule by editing a config file; engineering ships the rule by restarting the service.

GovernancePolicyFREE-AIDSL
April 12, 2026 · 7 min read

Deterministic KYC, the LLM just talks

PAN check-digit validation, Aadhaar offline KYC, DigiLocker, PEP/sanctions — all in Go code, not in a prompt. The LLM's job is to translate the verdict into something a human can read.

KYCRBIMulti-Agent AIFinTech
February 8, 2026 · 3 min read

Data residency in the Gulf — UAE ADGM/DIFC + Saudi SAMA at Bancnet

An open-banking platform serving UAE and Saudi customers had to honour three overlapping regulators: ADGM (Abu Dhabi), DIFC (Dubai), and SAMA (Saudi central bank). Notes on the architecture that satisfied all three.

Data ResidencyUAESaudi ArabiaOpen Banking
February 5, 2026 · 3 min read

UPI integration — the spec quirks no one mentions

UPI is the most popular payment rail in India. The spec is precise. The implementation guides are not. Notes on the integration details that ate weeks the first time.

UPINPCIPaymentsFinTech
February 1, 2026 · 3 min read

AIGP body of knowledge — a Go engineer's reading map

IAPP's AI Governance Professional certification covers a body of knowledge worth knowing whether you certify or not. The mapping from BOK to working Go code for the engineer who wants to understand AI governance practically.

AIGPAI GovernanceIAPPCompliance
January 31, 2026 · 3 min read

The board policy is not a slide — it's a YAML file

The bank's board approves an AI policy. The policy exists as a slide deck nobody reads. The risk team's actual operational policy is what's in the code. Closing that gap is the FREE-AI Rec 14 win.

AI GovernancePolicy as CodeFREE-AIOpinion