Build a Tokenised Payments and Settlement Engine

An extended build-along programme. You write the engine yourself, one stage at a time, with coding challenges marked instantly in the page and a stage deliverable marked against a published rubric. Every stage adds a piece of a real payments system: a double-entry token ledger that cannot lose a penny, authorisations and holds with expiry, a netting and settlement cycle, fees and currency conversion rounded to the smallest unit, a reconciliation and dispute trail, and a final end-to-end settlement run with a handover an assessor can follow. This is a Mai Studies record of study, not a regulated qualification, and it does not make you an authorised payments firm.

12 weeks 90 guided hours Advanced

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No account needed to buy. Pay with your card and we create your student account from the email you enter, with this programme ready inside it for twelve months.

Build a Tokenised Payments and Settlement Engine course artwork

What you will achieve

Model money as a double-entry ledger that always balances
Handle authorisations, holds and expiry safely
Run a netting and settlement cycle
Apply fees, conversion and rounding without losing value
Reconcile, evidence and resolve disputes
Ship and hand over a working settlement run

Entry guidance

— Comfortable writing JavaScript functions
— Willing to build and test your own code each stage

Original Mai Studies learning material. This is a professional completion programme, not a regulated qualification or university accreditation.

Programme syllabus

7 applied modules

Stage 1: Money as a double-entry ledger

Model balances as postings, not numbers you edit, so the books always balance and a repeated instruction cannot pay twice.

15h

Stage 2: Tokenised value, mint and burn

Issue tokens that represent real money held elsewhere, and keep supply and backing in step at all times.

15h

Stage 3: Authorisations, holds and expiry

Reserve funds before you move them, release them when the reservation lapses, and never let a hold leak.

15h

Stage 4: Netting and settlement cycles

Turn thousands of obligations between parties into the smallest set of real payments, and settle them as one atomic cycle.

15h

Stage 5: Fees, conversion and rounding

Take fees and convert currency without losing a penny, and decide openly who absorbs the rounding.

15h

Stage 6: Reconciliation, audit trail and disputes

Prove your engine agrees with the outside world, and answer any question about a payment months later.

15h

Stage 7: Final project — run a settlement day

Bring the six stages together into one engine and run a full day: payments in, holds, fees, netting, settlement and a reconciled report.

15h

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