⚠️ Project Status: PlanningThis project is currently in the architecture and design phase. The implementation will focus on building a low-latency credit limit management platform capable of validating, reserving, and updating credit limits in real time while ensuring data consistency, high availability, and fault tolerance.
DataCredit is a real-time credit limit management platform designed for fintechs and digital banking environments, where credit validation must be completed within milliseconds to prevent overdrafts, reduce fraud, and guarantee transaction integrity.
The platform will be built using Quarkus with Mutiny to provide reactive REST endpoints, delivering low memory consumption, fast startup times, and high throughput. This architecture enables efficient horizontal scaling in Kubernetes (Amazon EKS) while reducing infrastructure costs.
To minimize latency during credit validation, the system will implement a multi-level caching strategy using Caffeine as the local in-memory cache and Amazon ElastiCache (Redis) as the distributed cache. A Cache-Aside pattern will be adopted, along with fallback and failover mechanisms to ensure continuous operation even when the distributed cache becomes unavailable.
Strict transactional consistency between the credit limit service and financial transaction services will be achieved using the Two-Phase Commit (2PC) protocol, ensuring that credit reservations, debits, and releases remain synchronized and compliant with financial integrity requirements.
The platform will also include comprehensive performance validation through Gatling load testing, integrated into a GitHub Actions CI/CD pipeline. Automated performance tests will execute during every deployment pipeline, allowing throughput, latency, and scalability issues to be identified before production releases.
Infrastructure resources, including Amazon ElastiCache (Redis) and the Kubernetes environment, will be provisioned using Terraform, enabling Infrastructure as Code (IaC), reproducible deployments, and consistent cloud environments.
The final solution will combine reactive programming, distributed caching, transaction consistency, performance engineering, and cloud-native infrastructure, following Domain-Driven Design (DDD), Clean Architecture, and Microservices Architecture to simulate the credit management systems commonly used by modern fintechs and digital banking platforms.