A two-sided payments product at bank scale
Building Payment Link from 0→1 at one of Latin America’s largest banks. A single product serving both the merchant who charges and the payer who pays.
Before crypto, I built payments at bank scale. Itaú, one of Latin America’s largest banks, needed a way for businesses to request and collect payments through a simple link. I led the 0→1 build of Payment Link, a two-sided product serving both sides of the transaction.
Payment Link, a two-sided payments product with two distinct fronts: the merchant experience (creating and managing payment requests) and the payer experience (completing the payment). It was built entirely on Itaú’s own payments infrastructure, across capture, authorization, and settlement.
I led the product from zero, running two squads, one per side of the product, totaling ~14 engineers, from vision through execution: discovery, KPIs, and roadmap. Because the solution was fully internal, the work was as much about orchestrating the bank’s existing payments stack as building new surfaces on top of it.
Delivering a coherent two-sided product at bank scale. That meant coordinating two squads on opposite sides of the same transaction, on top of a large internal payments infrastructure where stability and scale are non-negotiable.