Phase 1 Execution: ISO 20022 Data Integrity Layer

The Rail + The Brain for Modern Payments

MograPay stops the Day-2 Truncation Crisis by serving as the AI-Ready Data Substrate. We sidecar 100% of ISO 20022 XML metadata around legacy core banking engines without costly rewrites, feeding downstream ML engines with pristine data for real-time fraud scoring and automated reconciliation.

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<15ms
gRPC Hydration
100%
XML Metadata Retained
Zero
Core Overhaul Required
AI-Ready
Structured ISO 20022 Dataset
MograPay Architecture: Rail + Brain
MograPay Architecture: Rail + Brain
Core Platform Architecture

Engineered for Zero-Disruption Modernization

Decoupling zero-loss payment transport from in-flight decision intelligence

The Rail

Phase 1: Universal Data Integrity & Sidecar

Preserves structured XML fields (remittance, tax IDs, addresses) lost by legacy ISO 8583 cores. Intercepts incoming messages, stores full XML payloads in a high-speed Redis sidecar, and passes lightweight bitmaps onward to supply pristine data pipelines for downstream AI/ML models.

  • Bidirectional ISO 8583 ↔ ISO 20022 Mapping Kernel
  • High-Throughput Redis Enterprise Sidecar Store
  • Sub-15ms gRPC Hydration & Real-Time AI Feature Pipeline
  • AI-Grade Metadata Preservation (100% XML)

The Brain

Phases 2 & 3: In-Flight Intelligence

Leverages hydrated payment metadata to evaluate risk and scoring in real time. Runs microservices in parallel to inspect behavioral telemetry, predictive fraud patterns, and least-cost route paths to execute intelligent, automated decisioning on top of un-truncated payment rails.

  • Automated STP Recovery & Exception Management
  • In-Flight Predictive Fraud & AML Scoring
  • Self-Optimizing Least-Cost Routing Engine
  • AI/ML-Driven Behavioral & Fraud Scoring
Development Horizon

Execution Roadmap: From Rail to Brain

Milestone-driven technical strategy designed to mitigate integration risk

Full Roadmap Details
Phase 1 (Months 1–12) Active Focus
Data Integrity Layer

Deploy high-throughput C#/.NET mapping kernel and Redis sidecar store to eliminate 'Garbage-In, Garbage-Out AI' by preserving 100% of rich XML payloads for downstream ML models.

  • Truncation Guard Architecture
  • Bidirectional ISO Translation
  • Pilot & Design Partner Onboarding
Phase 2 (Months 13–24) Scale Horizon
Real-Time AI & Behavioral Engine

Deploy real-time behavioral scoring, in-flight fraud/AML microservices, automated STP exception recovery, and multi-region active-active cloud infrastructure.

  • Real-time AI & Behavioral Scoring
  • In-Flight Fraud & AML Enrichment
  • Multi-Region Active-Active Deploy
Phase 3 (Months 25–36+) Vision Horizon
ML Insights Engine

Introduce predictive STP optimization, least-cost routing intelligence, and ecosystem macro payment analytics across integrated enterprise banking channels.

  • Predictive STP Optimization
  • Routing Intelligence Engine
  • Macro Payment Analytics

Explore the MograPay Platform Architecture

Learn how our zero‑data‑loss sidecar architecture creates the AI‑grade ISO 20022 dataset required for real‑time fraud scoring, behavioral analytics, and predictive routing — without a $30M–$50M core rewrite.

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