Skip to content

Conversation

@koekiebox
Copy link
Contributor

@koekiebox koekiebox commented Jan 9, 2026

PR Checklist

  • Linked issue added (e.g., Fixes #eng-607). See: https://linear.app/interledger/issue/ENG-607/technical-blog-on-rafiki-and-cards
  • I have run bun run format to ensure code is properly formatted
  • I have verified that bun run lint passes without errors
  • If blog post was added:
    • Ensure images have been optimised
    • Update dates to reflect the actual publishing date when merged (file names, folder names, and frontmatter)

Summary

Please see the preview: https://deploy-preview-185--developers-preview.netlify.app/developers/blog/rafiki-card-integration/

Card payments are the backbone of global commerce… trusted, regulated, and deeply entrenched. Our latest exploration asks a pivotal question: how can we bring the ubiquity of card payments into the Interledger ecosystem without compromising the security and standards of the EMV model?

@koekiebox koekiebox self-assigned this Jan 9, 2026
@koekiebox koekiebox added the blog Post on the Engineering blog label Jan 9, 2026
@netlify
Copy link

netlify bot commented Jan 9, 2026

Deploy Preview for developers-preview ready!

Name Link
🔨 Latest commit 4866c3e
🔍 Latest deploy log https://app.netlify.com/projects/developers-preview/deploys/696e2a8a56ac4700084b0bf8
😎 Deploy Preview https://deploy-preview-185--developers-preview.netlify.app
📱 Preview on mobile
Toggle QR Code...

QR Code

Use your smartphone camera to open QR code link.

To edit notification comments on pull requests, go to your Netlify project configuration.

@koekiebox koekiebox marked this pull request as draft January 9, 2026 12:44
@koekiebox koekiebox requested a review from golobitch January 12, 2026 08:13
@koekiebox koekiebox changed the title feature(eng-607): rafiki cards blog feat: (eng-607), rafiki cards blog Jan 14, 2026
Copy link
Member

@sabineschaller sabineschaller left a comment

Choose a reason for hiding this comment

The reason will be displayed to describe this comment to others. Learn more.

I know there are quite a few comments, but generally, I love this! It is a fantastic overview!

@koekiebox koekiebox marked this pull request as ready for review January 19, 2026 12:52

At a high level, an ILP card transaction involves:

1. Card (ICC) - EMV-compliant card with an ILP-linked wallet address
Copy link
Contributor

Choose a reason for hiding this comment

The reason will be displayed to describe this comment to others. Learn more.

This would technically be an "Open Payments enabled" wallet address, since that is what makes it discoverable and able to set up payments against.


## Starting Point: Should you build a Kernel?

One of the earliest and most important decisions came out of conversations with our first POS (Point of Sale) manufacturing partner, who provides both the EMV kernel and a significant portion of the overall payment software stack running on the device.
Copy link
Contributor

Choose a reason for hiding this comment

The reason will be displayed to describe this comment to others. Learn more.

Maybe we can quickly define what a kernel is/does


- POS Manufacturer bespoke software (Android / Symbian / iOS / Windows Phone)
- POS kernel
- POS WhiteBox secure storage
Copy link
Contributor

Choose a reason for hiding this comment

The reason will be displayed to describe this comment to others. Learn more.

Let quickly explain what WhiteBox is

Comment on lines +230 to +233
- Assembles transaction data
- References the card's wallet address (Customer ASE)
- Signs the request with its ILP key (Merchant ASE)
- Sends it to the Customer and Merchant ASE
Copy link
Contributor

Choose a reason for hiding this comment

The reason will be displayed to describe this comment to others. Learn more.

Can be a list

- Certifications
- Key management

The ASE remains firmly in control. Rafiki Does What It Already Does Well. From here on, Rafiki is on familiar ground.
Copy link
Contributor

Choose a reason for hiding this comment

The reason will be displayed to describe this comment to others. Learn more.

Suggested change
The ASE remains firmly in control. Rafiki Does What It Already Does Well. From here on, Rafiki is on familiar ground.
The ASE remains firmly in control. Rafiki does what it already does well. From here on, Rafiki is on familiar ground.


It:

- Creates incoming and outgoing payments
Copy link
Contributor

Choose a reason for hiding this comment

The reason will be displayed to describe this comment to others. Learn more.

Need to add here that it processes the ILP payment

- Small, focused services are easier to reason about than monoliths
- Interledger fits best when it is complementary, not dominant

## Conclusion, Where This Leaves Us
Copy link
Contributor

Choose a reason for hiding this comment

The reason will be displayed to describe this comment to others. Learn more.

More of a suggestion, but might be also nice to add what the following steps are for the cards team in a simple list?

Sign up for free to join this conversation on GitHub. Already have an account? Sign in to comment

Labels

blog Post on the Engineering blog

Projects

None yet

Development

Successfully merging this pull request may close these issues.

5 participants