Architecture
Detailed architecture of the M2P Prepaid Platform — inter-service communication, routing, and technology stack.
The M2P Prepaid Platform follows a microservices architecture with synchronous REST communication between services. Each service is independently deployable, scalable, and responsible for a clearly defined domain.
Inter-Service Communication
All services communicate via synchronous REST over HTTP. The API Gateway handles external request routing, while internal services call each other directly.
Routing Rules
API Gateway Routing
| Path Pattern | Target Service | Description |
|---|---|---|
/Yappay/** | Business Logic Service | All customer, card, wallet, and transaction APIs |
/provision/** | Token Service Provider | Tokenization and digital wallet APIs |
/auth/** | Authentication Service | Login and authorization endpoints |
Internal Routing
| Source | Target | Operations |
|---|---|---|
| Business Logic | System of Record | Balance checks, credit/debit, limit enforcement |
| Business Logic | Bank Integration | KYC, fund transfers, bank account operations |
| API Gateway | System of Record | Direct SOR access for partner token operations |
| API Gateway | Token Service | VTS/MDES/NPCI tokenization requests |
Technology Stack
The platform is built on a modern, enterprise-grade technology stack:
| Layer | Technology |
|---|---|
| Authentication | JWT-based token authentication with session management |
| API Gateway | RESTful API gateway with intelligent routing |
| Business Logic | Microservices architecture with ORM-based data access |
| System of Record | High-performance database layer with ACID compliance |
| Bank Integration | Multi-protocol integration (ISO 8583, REST, SOAP) |
| Token Service | Certified tokenization service provider |
| Card Messaging | ISO 8583 standard messaging protocol |
| Encryption | RSA + AES envelope encryption with HSM-based key management |
Asynchronous Processing
While the primary request path is fully synchronous, the platform uses asynchronous processing for:
- Gateway async reversal — Automatic reversal on POS/ATM transaction timeouts
- Bank reconciliation — Scheduled batch jobs for settlement file processing
- Notification dispatch — Non-blocking notification delivery after transaction completion