OBI PASCAL BANJUARE
Sr. Software Engineer || Fintech Engineer || Tech Advisor
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When you're a FinTech Engineer and you're excited about AI. A called around 11pm NGT and said:
Friend👱♂️ : Hey Obi, I've got this client from Canada there want an AI Fitness app Its really an exciting project you should add it to your portfolio.
At first I was a bit reluctant, but after a lot of persuasion as someone who enjoys working with me, he keeps talking about the project every single opportunity he has for a good friendly conversation.
I finally agreed! 4-months down the line - Find Your Fitness was born!
As a Sr. Engineer on the team, one of my core responsibility was to coordinate the project from spring planning, task assignment and follow-ups on ticket to make sure the team were on track with schedule. Jira was my home screen 😂 every morning 😭 .
The design team where my friends heading did a great job, but I almost got a heart attack at one time 😂 .
It was an exciting adventure indeed, am glad I took my friend up on the offer.
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"If money touches your system, a ledger should touch it first."
Your backend should be ledger-first by design.
If there's even a 0.00001% chance that money, balances, fees, commissions, credits, refunds, rewards, or anything involving an amount will flow through your system, every movement should be recorded in a ledger using double-entry accounting principles.
This isn't just for banks, fintechs, or payment processors.
Whether you're building:
=>A payment rail
=> An e-commerce platform
=> A marketplace
=> A grocery delivery app
=> A subscription service
You need to be able to answer:
> Where did this money come from?
> Where did it go?
> Who owns it right now?
> Why did this balance change?
> Can we prove it months or years later?
A ledger provides an immutable audit trail, complete traceability, and financial correctness. It eliminates balance drift, simplifies reconciliation, and gives your team confidence when investigating disputes or anomalies.
You don't need to hold funds to need a ledger. The moment your system represents value, tracks balances, calculates fees, records payouts, or reports financial activity, you're already dealing with accounting.
Design for auditability from day one. Retrofitting a ledger later is one of the most expensive engineering decisions you'll make.
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Backend Developer
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