Learn from Zero

Payment Systems

How payments really work, from zero: the machinery behind every transaction, what each player on the chain does, and how each one gets paid.

33 chapters · From zero

Payment Licences and the Players

The same business — taking money, holding money, moving money — needs different licences in each of ten jurisdictions. Then seven real companies get placed on the same 10×6 grid, showing how a licence portfolio decides what the product can be.

16 chapters · From zero

Beyond Cards: Local Payment Rails and the QR Codes on Them

Why half the world's payments never touch a card: how each country's local rail got built, why the QR code is only its top layer, and what that means for Visa and Mastercard.

16 chapters · From zero

Agent 开发:让模型替你把事做完

大模型根据上下文生成输出,Agent 是怎么借助外部系统把事做完的?

10 chapters · 从零开始

Payments, Advanced: PSP Architecture and Ecosystem

What a PSP provides: one balance core connected to local pay-in and payout endpoints, each with licensing and engineering requirements. See how acquiring, local payment methods and issuing extend this architecture, where stablecoins fit, and what changes when AI agents initiate payments.

13 chapters · Advanced

Payment Map

An interactive map from customer scenarios to providers — who serves what, with pros and cons you can filter.

Interactive · 4 directions · 16 scenarios · 61 providers