Braid
Banking & payments
- Java
- Spring Boot
- JPA/Hibernate
- MySQL
- JMS
Banking & payments API platform
Braid gives financial institutions a single place to move money. We build and maintain the API layer behind it — the services that accept a payment instruction, decide whether it is allowed to proceed, and hand it to the correct rail.
The transfer is the straightforward part. The work sits in everything around it: keeping each institution's data strictly separated on shared infrastructure, screening counterparties before funds leave, and leaving an audit trail that holds up when someone asks how a particular payment was handled six months later.
- Four rails behind one interface
- Wire, FedNow, NACHA and outbound partner rails are exposed through a single consistent API. Callers do not rewrite their integration each time a rail is added or its settlement behaviour changes.
- Asynchronous by default
- Instructions are handed to JMS queues and processed independently of the request that created them. A slow downstream rail delays settlement — it does not block the caller or lose the instruction.
- Screening before money moves
- Sanctions screening runs automatically on every transaction rather than as an overnight batch, so a flagged counterparty stops the payment at the point of submission instead of after it has settled.
- Multi-tenant from the start
- One platform serves many institutions, with isolation enforced by the system itself rather than left to each integration to get right.
Wire, FedNow and NACHA payments in production under bank-grade compliance