Yangye Zhu

Roadblock Title:

Breaking the rules: Overcoming challenges in building a real-time payment gateway with OPA

Time:

Wednesday - 11:30 AM (Windows)

Abstract:

In modern financial systems, ensuring both security and efficiency in credit card transactions is critical. This session explores how Torpago integrates Open Policy Agent (OPA) with its payment gateway to enforce real-time fraud detection and dynamic funding rules. We’ll walk through our implementation of Just-In-Time (JIT) Funding, where transactions are evaluated against custom business rules before approval, ensuring robust fraud prevention without impacting legitimate transactions. Attendees will gain insights into the technical architecture, including how Golang, PostgreSQL, and real-time monitoring enable low-latency decision-making.

Bio:

Yangye Zhu is an Engineering Manager at Torpago and a Stanford PhD, deeply immersed in the dynamic world of FinTech. He specializes in Go, a language at the core of Torpago’s operations. Beyond managing teams and tackling daily engineering challenges, Yangye is passionate about exploring cutting-edge technologies and actively engaging with the open-source community. With the rise of generative AI (GenAI), he is particularly excited about its potential to transform the landscape of fintech development. When not building innovative payment systems, Yangye enjoys diving into the latest tech trends and sharing his insights on modern technologies with others.