Fintech — Payment Switch

⚡ Hyperion-X

Hyperion-X is a ground-up African payment switch built for the continent's unique interoperability requirements — ISO 8583 and ISO 20022, mobile money, card networks, and instant payment schemes — with post-quantum cryptography and formal verification from day one.

Hyperion-X illustration

Key Features

Purpose-built for Africa's payment landscape — every protocol, every network, every scheme, secured against tomorrow's threats.

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Protocol Polyglot

Native ISO 8583 (1987/1993/2003 editions) and ISO 20022 processing. Translates between protocols in-flight. Supports NIBSS, Interswitch, Visa Direct, Mastercard Send, and EFTPoS Africa without middleware.

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Mobile Money Native

First-class integration with M-Pesa (DARAJA 2.0 + STK Push), MTN MoMo, Airtel Money, and Orange Money. Real-time balance checks, PIN validation, and instant settlement. Not an adapter — purpose-built message types.

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Post-Quantum Cryptography

CRYSTALS-Kyber-1024 for key encapsulation. CRYSTALS-Dilithium for transaction signing. Hybrid classical+PQC operation during migration period. NIST FIPS 203/204 compliant. Futureproof against harvest-now-decrypt-later attacks.

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Real-Time AML Engine

In-line transaction scoring at <1ms overhead. Rules + ML hybrid model. Sanctions list screening against OFAC, UN, EU, and AU lists updated every 15 minutes. Velocity checks, network graph analysis, and SAR auto-generation.

Formal Verification

All critical state machines — authorization, settlement, reconciliation — are specified in TLA+ and model-checked. Properties verified: no double-spend, no fund loss, settlement finality. Specifications published openly.

Real-Time Settlement

RTGS-style gross settlement with configurable netting windows. Automated reconciliation against all connected schemes. Dispute management with evidence packet generation. SWIFT GPI-style tracking for cross-border.

Technical Specifications

Performance

  • 50,000 TPS sustained peak
  • <2ms P99 authorization latency
  • 99.999% (5 nines) uptime SLA
  • Active-active multi-region deployment

Certification

  • PCI DSS v4.0 certified
  • Visa Ready certification
  • Mastercard MDES integration
  • ISO 27001 / SOC 2 Type II

Cryptography

  • CRYSTALS-Kyber-1024 (NIST FIPS 203)
  • CRYSTALS-Dilithium (NIST FIPS 204)
  • AES-256-GCM for data at rest
  • TLS 1.3 minimum for all links

Protocols & Networks

  • ISO 8583 (87/93/03)
  • ISO 20022 (pain, pacs, camt)
  • Visa / Mastercard / NIBSS / Interswitch
  • M-Pesa / MTN MoMo / Airtel Money

Deploy Hyperion-X at your institution

Contact our team to discuss your requirements. We respond within 24 hours.