https://yanqian.github.io/topics/system-design/Recent content in System-Design on Armstrong YanHugoenMon, 11 May 2026 00:00:00 +0000https://yanqian.github.io/posts/publish/understanding-singapore-payment-stack/Mon, 11 May 2026 00:00:00 +0000https://yanqian.github.io/posts/publish/understanding-singapore-payment-stack/<p>If you live in Singapore, you probably use these payment methods every day:</p> <ul> <li>You send money to a friend via PayNow.</li> <li>You scan a QR code at a hawker stall.</li> <li>You tap your card or phone at a supermarket.</li> <li>You use NETS at a local merchant.</li> </ul> <p>They look similar from the user side, but underneath they solve different problems.</p> <hr> <h2 id="the-big-picture"> The Big Picture <a class="heading-link" href="#the-big-picture"> <i class="fa-solid fa-link" aria-hidden="true" title="Link to heading"></i> <span class="sr-only">Link to heading</span> </a> </h2> <p><img src="assets/singapore-payment-stack.svg" alt="Singapore Payment Stack"></p>