Blockchange is a technical consultancy and knowledge base focused on multi-rail payment architecture for global businesses.
The project explores how to design resilient payment systems that route transactions across cards, bank transfers, local payment rails, and peer-to-peer networks, with the goal of reducing false declines, avoiding single-provider dependency, and achieving predictable settlement.
This repository contains tools, notes, and experiments related to:
- payment architecture design
- cross-border payment routing
- multi-rail in- and off-ramps
- chargeback-free and final-settlement payment flows
- operational risk in international payments
It complements the public documentation and long-form analysis published on the Blockchange website.
A detailed breakdown of multi-rail payment architecture, including real-world failure modes and routing strategies, is available here:
Blockchange – Multi-Rail Payment Architecture
https://www.blockchange.expert/en/blog/multi-rail-payment-architecture/
Additional architecture overviews and design principles: https://www.blockchange.expert/en/#architecture
Most payment systems fail internationally not because of APIs, but because of architecture:
- high cross-border card decline rates
- processor account shutdowns
- settlement delays
- hidden single points of failure
Blockchange focuses on architecture first, not providers.
This project is intentionally:
- vendor-neutral
- non-affiliate
- focused on architecture, not marketing
It is meant to be useful for:
- founders and CTOs
- payment and risk teams
- fintech and Bitcoin infrastructure builders
Blockchange is an ongoing project.
Content and tools evolve as real-world payment systems evolve.