Your Platform Is a Matrix: How to Get From O(B × P) to O(B + P)

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Some architecture problems look fine while the system is small.

A few businesses. A few payment methods. Each business wants slightly different accounting, so you wire each payment method to each business.

Nothing looks broken yet.

Then both sides grow.

A new payment method shows up and suddenly needs accounting logic for every business already on the platform. A new business launches and every existing payment method has to learn it.

That is not a platform. That is a matrix.

I hit this on payment accounting. The lesson was not really about payments.

When two parts of a platform grow on their own and still know too much about each other, integration cost multiplies. Another abstraction layer or a fatter shared API is usually the wrong fix. You need a boundary where neither side has to know the other exists.

When system A knows which system B it...

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