Design a payment ledger that records money movement with exactly-once semantics and no lost cents.
In payments, a duplicate charge or a lost credit is not a bug, it is a financial incident. The design turns on idempotency keys, double-entry bookkeeping, and an append-only ledger you can audit and reconcile. Here is how money systems stay correct.
Updated Sep 2026 · Grounded in real GenAI, LLM, and AI/ML engineering interview loops and written to a senior-engineer editorial bar.
In payments, a duplicate charge or a lost credit is not a bug, it is a financial incident. The design turns on idempotency keys, double-entry bookkeeping, and an append-only ledger you can audit and reconcile. Here is how money systems stay correct.
Lead with where the obvious approach breaks, because that is the judgment they are screening for — most candidates jump straight to the happy path and lose the room.
Then walk the failure back through the pipeline in order, naming the one metric the customer's exec sponsor actually cares about before you propose the fix.
