SurfaceShift

The problem Payment surfaces are fragmenting across hosted checkout, embedded elements, wallets, POS, APIs, and now AI-agent interfaces, while the messaging underneath migrates from ISO 8583 to the richer ISO 20022 standard. Institutions struggle to keep surfaces consistent, data-rich, and machine-readable across rails. What teams built A prototype that maps payment-surface and protocol schemas into a shared knowledge graph, then uses it to route a transaction across rails, translate ISO 8583 to ISO 20022, and expose an agent-ready, machine-readable checkout surface with full data lineage. Partner ROI A working reference for surface consolidation and ISO 20022 readiness, plus reusable schema mappings that cut reconciliation and compliance effort. Skills proven API and protocol design, data modeling, knowledge-graph engineering, payments domain fluency.