How Canada's new Real-Time Rail moves one payment, and what it teaches about backend design
Payments Canada switched on a 24/7 system on 9 November 2026 that settles every payment between banks in real time. Here is how one payment travels, why the fraud checks come first, and why a bank asks before it retries.
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AI engineering, agentic memory, machine learning, and system design at scale.
I work on AI systems and the infrastructure they actually run on: agentic architectures, memory for agents, retrieval, and the graph and data layers that keep model output grounded in something real. Formerly at Neo4j. I also write and teach the systems side that most AI content skips, from distributed systems and databases to the design decisions that decide whether a model ever reaches production. I run Total Technology Zonne on YouTube and I am building systemdesign.academy, an interactive course on system design, machine learning, and AI engineering, covering the parts most tutorials leave as an exercise for the reader. Mock interviews and prep packs: topmate.io/roni
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