As we wrap up 2025, we’ve been reflecting on the moments, milestones, and partnerships that shaped this year for Lusis Payments. It’s been a year of meaningful progress, exciting opportunities, and continued innovation—and none of it would have been possible without you. Your trust, your feedback, and your collaboration truly make all the difference, and we’re grateful for every conversation and every project we’ve shared.
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One of the highlights of our year was partnering with a major financial institution whose teams were searching for two very different solutions: a Transactional Switch for one department and a Payments Hub for another. TANGO’s flexibility, the ability to do both flawlessly within a single, modern architecture, proved to be a key factor in their decision. Their deployment will also take advantage of tokenization, stand-in processing, store-and-forward, Dynatrace integration, Azure cloud capabilities, and support for affiliates across their network. The selection came after an extremely detailed Proof of Concept, where TANGO not only met expectations but consistently exceeded them. It was a proud moment for our team and a great validation of the work we put into the platform every day.

We were also excited to welcome another major French financial institution into the Lusis client community, further strengthening our already deep roots in Europe. In Asia, HSBC’s continued expansion of TANGO remained an important part of our year, showcasing the platform’s ability to operate reliably at scale in some of the most demanding environments. We also made solid progress on a new fraud initiative with another global institution, and our Dynamic Currency Conversion (DCC) solution gained momentum as more banks explored new ways to deliver value to their customers.

Latin America continued to be an area of strong growth and engagement for us. Interest in our Payments Hub has been rising steadily, and our work with ATEFI, along with our participation in a key cybersecurity event in Peru, allowed us to deepen relationships and better understand the evolving needs of the region.

Behind the scenes, our teams continued to make significant enhancements to TANGO itself. Strengthening cloud-native capabilities, improving observability, expanding issuing and acquiring features, and delivering new automation tools. These updates are all designed with one goal in mind: helping you move faster, operate more efficiently, and stay ahead in a rapidly changing payments landscape.

As we look ahead to 2026, we’re excited for what’s coming. We see tremendous opportunity in the market and even more potential for TANGO to support the modernization journeys of institutions around the world. Most importantly, we look forward to continuing this journey with you.

From everyone at Lusis Payments, thank you for being such an important part of our year. We wish you a wonderful holiday season and a successful, fulfilling year ahead.

Happy Holidays!
The Entire Lusis Payments Team
 

Mission-critical systems are not software like any other. Most software may fail. Some even incorporate failure or inaccuracy as a standard mode of operation, such as the overbooking systems of transport companies. For years, TGV passengers have practiced the fantasies of overbooking without it bothering them too much. It is usual for a certain online sales or music site to be unavailable for a few seconds or even minutes, it does not bother anyone. If a payroll application makes late transfers, who will be sorry about it, except the unfortunate employees?

The situation is quite different for mission-critical systems. They cannot be unavailable or even provide a degraded service. Any failure will be detrimental to the company that provides the service, to its customers and to the operator's supplier. Any failure will cause damage in terms of image, business, market share or sometimes much more. For mission-critical systems you must always be thinking in worst case scenario and not best case scenario.

This is why high availability is at the heart of the design and implementation of these systems. To be achieved, it requires not only solid skills from software providers but also a culture shared with operators that can be banking industry or others.

Rather than dealing with countless individual cases, it may seem useful to ask what are the principles on which a high availability system should be based, the foundations of its principles and the reasons for their effectiveness. Working on this list will make it possible to simply discriminate between architectures that can provide high availability and those that need to be eliminated and to quickly reject baroque or mannerist architectural creations by neo-experts.

I see seven of them and I think that with these simple principles, we can work seriously:

​A SPOF, a Single Point Of Failure, is a single piece of software or hardware architecture whose failure will lead to the failure of the entire system. Under Murphy's law, all SPOF will eventually fail! The mission-critical system vendor must therefore ruthlessly eliminate all possible SPOFs. There is no need to go further, and it is enough to eliminate single databases even managed by a large Cloud specialist, even opaquely distributed on multiple machines, even guaranteed by a cryptic service level agreement, this single database is a SPOF and vulgarly, a nest of annoyances. 

An object is said to be symmetrical if it can be superimposed on itself by the application of a transformation of space other than identity. Behind all symmetry is a property of invariance. In our field, it is a question of distributing service requests on subsystems that can be substituted for each other, the idea being that the service will be provided in the same way regardless of the subsystem that carried it out. If one disappears, it doesn't matter for the quality of service. Technically speaking, the N subsystems need to have the same information to make a decision, which means they need to inform each other about what they've done. Symmetry can be mirror (normal/dual, Active/active), trial (normal/dual/trial, Active/active/active), quadral, etc. Theoretically there is no limit, except common sense: an Active/Passive system is not a symmetrical system. There will always be a time when the passive becomes active and this transition will not be without "friction", with friction often being an untested procedure or an individual, which will endanger the quality of service. And here again, let us remember this good Murphy and his law. Of course, symmetry, the substitutability of any subsystem by another, is also much simpler than non-symmetry. This choice of simplicity is based on another general principle that is in line with the same interest: KISS, as in Keep It Simple and Stupid. "Active/Active" contrary to what some people may believe, is much simpler than Active/Passive.
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​The invariance of operation over time is the fact that the system will work in the same way, in the same mode, always. It will work like a perpetual calendar watch. There will not be 30 days of operation in one mode A and two hours of operation in another mode B and back. For the same reason as before, going from mode A to mode B and back will not be without friction, which will inevitably lead to quality-of-service problems. The invariance of the functioning in time is obviously a type of symmetry (translational symmetry in time). 

Performance predictability is the ability to predict the performance of a system with a margin of error small enough not to lead to adverse consequences. It is essential for supervising systems, for detecting damage, for anticipating the actions to be taken before failures occur. Here again, it is a problem of invariance and therefore of symmetry. Using multi-AZ architecture (where services are spread over several different geographical areas) means that the path of a transaction will not necessarily be the same from one time to the next, fast at one time, slow at another, the speed of light being non-negotiable. For the same reasons, shared resources must be avoided, even for things as simple as a Local network connection. Mission critical systems can’t share resources, otherwise the response time is not predictable. Losing the predictability of performance means losing the basics of its SLA and an essential means of detecting potential failures.

Operation must be as simple as possible. A nuclear submarine carries a miniaturized nuclear power plant that provides the electricity that runs its engines and allows it to produce its oxygen. It is a very complex technology, developed by remarkable engineers. However, it is operated by normal people, by well-thought-out computer systems and by procedures books. If you had to take high-level engineers on board to operate nuclear submarines, they would all have been at the bottom of the water for a long time. No engineer of great talent will agree to spend six months underwater in a confined space, at least we can consider that there will not be enough candidates. Mission-critical systems are the same thing, they must be designed and set up by people of a certain talent but operated by normal people, without the need to resort to the former, who will never be there, according to Murphy's law, when they are needed. Implementing this principle is far from straightforward, but it is an essential guide. The Build phase should produce an artifact that will make the Run phase simple.

The fewest different software or technology providers. Behind the management of a mission-critical system, there is a management of responsibility. If the system is produced by a chain of different technologies, there will be not only the problem of coordination and the strength of the chain as defined by its weakest link, but also the problem of responsibility. This principle is less strong than the previous ones and is a pragmatic application aimed at eliminating unnecessary links and keeping the technical architecture and the structure of responsibilities as simple as possible, it is also an application of the KISS principle explained above. It is by virtue of this principle that we prefer the cross-notification of information rather than the synchronization of databases themselves (and no, it's not the same thing) which moreover makes it easy to make multipolar systems (Dual, trial, "quadral", etc...). 

Security and securitization is now also a topic for high availability as the number of hackers’ assaults is regularly increasing. Although the main objective of these assaults is not related to service availability, they are, however, presenting a threat to it. Therefore, all connections and access must be properly secured by certificates, double authentication and so on, bearing in mind that, if a security checking can protect a system against attack, it can also be a threat to its availability. Changing a certificate for instance must be properly planned and coordinated otherwise it will cause an outage. 

As can be seen, however independent, these seven principles dialogue with each other and reinforce each other. Analyzing architecture through these saves time and above all, avoids disappointments. 

Now, after "On-demand" fashion and its underlying religious conviction that it was no longer necessary for the developer to worry about the performance of his software, after the micro-service and the belief in the harmlessness of virtualization, which ignored the fact that all micro-services were always carried out somewhere and that the speed of light remained constant, it is the Cloud idol that combines the two with an irrational overconfidence in infrastructure and brings a bunch of nonsense rarely equaled. 

In these turbulent waters, having a few principles validated by a long and successful experience is not useless.

​The payments industry in 2025 is undergoing a transformative shift, driven by rapid technological advancements, evolving consumer expectations, and heightened regulatory scrutiny. As digital transactions become increasingly central to global commerce, financial institutions and payment providers must adapt to stay competitive and secure. Lusis Payments stands at the forefront of this evolution, offering solutions that address the industry's most pressing challenges and opportunities.
 
Embracing Real-Time Payments
Real-time payments (RTP) have transitioned from a novelty to a necessity. Consumers and businesses alike demand instantaneous transaction capabilities, pushing financial institutions to modernize their infrastructures. Lusis Payments' TANGO platform is engineered to meet this demand, providing high-performance transaction processing that ensures speed, reliability, and scalability. By facilitating real-time settlements, TANGO enhances customer satisfaction and operational efficiency for banks and payment processors.
 
Harnessing Artificial Intelligence for Fraud Prevention
The rise in digital transactions has unfortunately been paralleled by an increase in sophisticated fraud schemes. Traditional rule-based fraud detection systems are no longer sufficient. Lusis Payments integrates advanced artificial intelligence (AI) into its solutions, enabling real-time analysis of transaction patterns to detect and prevent fraudulent activities proactively. This AI-driven approach not only safeguards financial assets but also reduces false positives, ensuring legitimate transactions proceed without unnecessary hindrance.
 
Adapting to ISO 20022 Standards
Global financial messaging is undergoing a significant transformation with the adoption of ISO 20022 standards. This new messaging format offers richer, more structured data, facilitating improved interoperability and compliance. Lusis Payments' solutions are fully compatible with ISO 20022, allowing institutions to seamlessly transition and capitalize on the benefits of enhanced data analytics and streamlined operations.
 
Preparing for the Digital Euro and Central Bank Digital Currencies (CBDCs)
The European Central Bank's exploration of a digital euro signifies a broader trend toward central bank digital currencies (CBDCs). These digital currencies promise to revolutionize the way value is exchanged, offering secure, efficient, and programmable money. Lusis Payments is actively developing capabilities to support CBDC transactions, ensuring clients are prepared for this impending shift in the monetary landscape.
 
Enhancing Cross-Border Payment Efficiency
Cross-border payments have traditionally been plagued by delays, high costs, and lack of transparency. Innovations in blockchain technology and stablecoins are addressing these issues, offering faster and more cost-effective solutions. Lusis Payments is leveraging these technologies to streamline international transactions, reducing settlement times and fees, and improving the overall customer experience.
 
Facilitating Offline Payment Capabilities
Recent geopolitical tensions and infrastructure vulnerabilities have highlighted the need for resilient payment systems capable of operating offline. Countries like Sweden and Finland are developing offline card payment systems to ensure continuity during internet outages. Lusis Payments is contributing to these efforts by designing solutions that enable secure, offline transaction processing, ensuring uninterrupted service even in challenging circumstances.
 
Integrating AI Agents into Payment Ecosystems
Artificial intelligence is not only enhancing fraud detection but also transforming the way consumers interact with payment systems. AI agents capable of executing transactions on behalf of users are becoming increasingly prevalent. Lusis Payments is at the cutting edge of this innovation, developing platforms that support AI-driven transactions, thereby offering users a more seamless and personalized payment experience.
 
Conclusion
The payments industry in 2025 is characterized by rapid innovation and the convergence of multiple technological advancements. Lusis Payments is uniquely positioned to navigate this complex landscape, offering solutions that address the critical needs of real-time processing, fraud prevention, regulatory compliance, and customer engagement. By embracing change and fostering innovation, Lusis Payments empowers financial institutions to thrive in the evolving digital economy.

For more information on how Lusis Payments can support your organization's payment transformation journey, CONTACT US

Navegando el Futuro de los Pagos: Cómo Lusis Payments Impulsa la Innovación en 2025
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La industria de pagos en 2025 está experimentando una transformación significativa, impulsada por avances tecnológicos acelerados, expectativas cambiantes de los consumidores y un mayor escrutinio regulatorio. A medida que las transacciones digitales se vuelven fundamentales para el comercio global, las instituciones financieras y los proveedores de pagos deben adaptarse para mantenerse competitivos y seguros. Lusis Payments se sitúa a la vanguardia de esta evolución, ofreciendo soluciones que abordan los desafíos y oportunidades más relevantes del sector.

Adopción de Pagos en Tiempo Real
Los pagos en tiempo real (RTP) han pasado de ser una novedad a convertirse en una necesidad. Tanto los consumidores como las empresas exigen transacciones instantáneas, lo que obliga a las instituciones financieras a modernizar sus infraestructuras. La plataforma TANGO de Lusis Payments está diseñada para satisfacer esta demanda, proporcionando un procesamiento de transacciones de alto rendimiento que garantiza velocidad, fiabilidad y escalabilidad. Al facilitar liquidaciones en tiempo real, TANGO mejora la satisfacción del cliente y la eficiencia operativa de bancos y procesadores de pagos.

Uso de Inteligencia Artificial para la Prevención del Fraude
El aumento de las transacciones digitales ha venido acompañado de un crecimiento en esquemas de fraude cada vez más sofisticados. Los sistemas tradicionales basados en reglas ya no son suficientes. Lusis Payments integra inteligencia artificial avanzada en sus soluciones, permitiendo un análisis en tiempo real de los patrones de transacción para detectar y prevenir actividades fraudulentas de manera proactiva. Este enfoque basado en IA no solo protege los activos financieros, sino que también reduce los falsos positivos, asegurando que las transacciones legítimas se procesen sin obstáculos innecesarios.
 
Adaptación a los Estándares ISO 20022
La mensajería financiera global está experimentando una importante transformación con la adopción de los estándares ISO 20022. Este nuevo formato de mensajería ofrece datos más ricos y estructurados, lo que facilita una mejor interoperabilidad y cumplimiento normativo. Las soluciones de Lusis Payments son totalmente compatibles con ISO 20022, permitiendo a las instituciones realizar una transición fluida y aprovechar los beneficios de un análisis de datos mejorado y operaciones más eficientes.

Preparación para el Euro Digital y las Monedas Digitales de Bancos Centrales (CBDC)
La exploración de un euro digital por parte del Banco Central Europeo refleja una tendencia más amplia hacia las monedas digitales emitidas por bancos centrales (CBDC). Estas monedas digitales prometen revolucionar la forma en que se intercambia el valor, ofreciendo dinero seguro, eficiente y programable. Lusis Payments está desarrollando activamente capacidades para soportar transacciones con CBDC, asegurando que sus clientes estén preparados para esta inminente transformación del sistema monetario.

Mejora de la Eficiencia en Pagos Transfronterizos
Los pagos internacionales tradicionalmente han estado marcados por demoras, altos costos y falta de transparencia. Las innovaciones en tecnología blockchain y stablecoins están abordando estos problemas, ofreciendo soluciones más rápidas y rentables. Lusis Payments está aprovechando estas tecnologías para optimizar las transacciones internacionales, reduciendo los tiempos de liquidación y las tarifas, y mejorando la experiencia general del cliente.

Facilitación de Pagos en Modo Offline
Las tensiones geopolíticas recientes y las vulnerabilidades de infraestructura han resaltado la necesidad de contar con sistemas de pago resilientes capaces de operar sin conexión a internet. Países como Suecia y Finlandia están desarrollando sistemas de pago con tarjeta en modo offline para garantizar la continuidad del servicio en caso de interrupciones. Lusis Payments está contribuyendo a estos esfuerzos mediante el diseño de soluciones que permiten procesar transacciones seguras en modo offline, garantizando un servicio ininterrumpido incluso en circunstancias adversas.

Integración de Agentes de IA en los Ecosistemas de Pago
La inteligencia artificial no solo está transformando la detección del fraude, sino también la forma en que los usuarios interactúan con los sistemas de pago. Los agentes de IA capaces de ejecutar transacciones en nombre de los usuarios son cada vez más comunes. Lusis Payments se encuentra a la vanguardia de esta innovación, desarrollando plataformas que permiten transacciones impulsadas por IA, ofreciendo así una experiencia de pago más fluida y personalizada.
 
Conclusión
La industria de pagos en 2025 se caracteriza por una rápida innovación y la convergencia de múltiples avances tecnológicos. Lusis Payments está en una posición única para navegar este entorno complejo, ofreciendo soluciones que responden a necesidades críticas como el procesamiento en tiempo real, la prevención del fraude, el cumplimiento normativo y la experiencia del cliente. Al adoptar el cambio y fomentar la innovación, Lusis Payments empodera a las instituciones financieras para prosperar en la economía digital en constante evolución.


Mercedes Fabila
Lusis Payments [Latin America]
+52 55 9195 5136
[email protected]
www.lusispayments.comwww.lusispayments.com

Enhancing Speed and Scalability
In today’s digital-first economy, speed is critical. TANGO V8 delivers a 25% increase in performance compared to its predecessor, ensuring transactions are processed more efficiently than ever before. This not only improves customer experience but also reduces operational costs for financial institutions. Additionally, the scalability provided by our advanced distributed computing and cloud integration enables organizations to handle peak transaction loads with ease, ensuring uninterrupted service during high-demand periods.

TANGO V7 laid the foundation for powerful transaction processing, and with TANGO V8, we have expanded its capabilities to fully incorporate distributed computing, supporting both cloud-based and on-premise deployments. TANGO V8 introduces full clustering support, message routing enhancements, and Kubernetes compatibility. This flexibility ensures institutions can leverage automated scaling and optimize resource allocation based on real-time demand.

Driving Industry-Wide Digital Transformation
With the rise of digital payments, financial institutions must adopt technology that supports flexibility and modernization. TANGO V8’s microservices-driven architecture allows organizations to deploy services independently, fostering continuous innovation and faster time-to-market for new financial products. By enabling seamless inter-pod communication and supporting Kubernetes-driven lifecycle management, TANGO V8 ensures that financial institutions remain agile in an ever-changing market.

Building upon the robust routing capabilities of TANGO V7, TANGO V8 introduces a refined message routing system that enhances efficiency. The implementation of a new “pub/sub” topology improves scalability and fault tolerance while maintaining the proven reliability of previous versions. The new message router service dynamically routes messages based on availability and traffic conditions, optimizing overall system performance.

Strengthening Security and Compliance
The financial industry operates under strict security and regulatory requirements. TANGO V8 reinforces data protection through its adoption of the latest cryptographic libraries, including OpenSSL 3 and OpenLDAP. The platform’s redesigned network session and transport layers further enhance security, ensuring compliance with evolving industry standards.

TANGO V7 provided a strong security framework, and TANGO V8 builds on that foundation with enhanced encryption, real-time monitoring, and external plugin support for tools like AppDynamics. These improvements allow institutions to gain deeper visibility into their system performance, enabling proactive issue resolution and enhanced regulatory compliance.

Fostering Financial Inclusion and Innovation
As global markets shift towards digital and mobile payments, financial inclusivity becomes more critical. TANGO V8 enables institutions to expand their reach by supporting diverse payment channels, from traditional banking services to fintech innovations. Its advanced routing and clustering capabilities empower financial service providers to deliver seamless, secure, and scalable payment solutions to underserved regions, thereby bridging the gap between traditional banking and modern financial services.
 
Conclusion: Shaping the Future of Payments
Our product, TANGO V8, represents more than just an upgrade—it is a strategic evolution designed to reshape the payments landscape. By building upon the strong foundation of TANGO V7 and introducing cutting-edge enhancements, we empower financial institutions to stay ahead of industry trends and customer expectations. With improvements in performance, cloud capabilities, security, and routing efficiency, TANGO V8 ensures that financial institutions are prepared for the next wave of digital transformation.

As the world moves towards a fully digital economy, Lusis Payments remains committed to providing innovative solutions that drive progress and redefine the future of payments.

​To learn more about how our product, TANGO V8, can transform your payment processing capabilities, contact:
 
Brian Miller
General Manager
Lusis Payments
315 Montgomery Street #900 
San Francisco CA 94104
​(+1) 415 829 4577
​​[email protected]
www.lusispayments.com