Ildar Lykmanov — Architect & Lead Engineer
Ildar Lykmanov is a machine learning engineer and payment systems architect. He designed the Hostra settlement engine — a double-entry ledger with exactly-once execution, multi-rail settlement orchestration and the card-to-stablecoin flow.
Biography
Ildar Lykmanov is a machine learning engineer and payment systems architect. He designed and implemented the Hostra settlement engine — a double-entry ledger with exactly-once execution, multi-rail settlement orchestration (Visa Direct OCT, Stripe, on-chain custodian) and the card-to-stablecoin flow. His work spans distributed systems, financial cryptography, ISO 8583 / ISO 20022 protocol layers and applied machine learning for fraud and risk modelling.
Expertise
- Machine learning — fraud and risk modelling for payment authorisation.
- Distributed systems — leases, fencing tokens, transactional outbox, idempotent retries.
- Payment architecture — settlement intents, multi-rail orchestration, compensation flows.
- Cryptography — HMAC-SHA256 webhook signatures, argon2id password hashing, audit hash-chains.
- Protocols — ISO 8583 message layer and ISO 20022 message mapping.
Projects
Hostra — payment settlement engine. Double-entry ledger as the source of truth, durable settlement intents with exactly-once final commit, the card-to-stablecoin flow (Stripe card charge first, USDT/USDC payout second, compensation on failure), a tamper-evident audit hash-chain with a public verification endpoint, server API keys with 12 scopes, HMAC-signed webhooks and push notifications for the iOS and Android app.