PayGraph is a payment orchestration system that models global settlement networks (bank transfers, card rails, and stablecoin infrastructure) as a dynamic graph to compute optimal transaction routes. The system explores how modern fintech platforms can optimize cross-network payments using multi-objective routing algorithms, real-time network telemetry, and graph-driven visualization.
Global money movement today involves fragmented settlement networks like traditional banking rails, card networks, local payout systems, and stablecoin/blockchain settlement. Selecting the optimal transaction path requires balancing cost, latency, reliablility, and liquidity constraints. PayGraph investigates this problem from a systems and infrastructure perspective, inspired by large-scale payment orchestration platforms.