The Governance Gap: Payment Architectures for Business Central & D365 Finance
A comparative analysis of payment integration models in Australia and New Zealand. Grading Wallets, Manual Files, and Sovereign Tunnels on SOCI Act compliance.

Technical advisories, architectural patterns, and security bulletins for the Automated Banking Infrastructure.
A comparative analysis of payment integration models in Australia and New Zealand. Grading Wallets, Manual Files, and Sovereign Tunnels on SOCI Act compliance.


A technical guide for CISOs and Risk Managers on how to document, mitigate, and audit financial file transfers (ABA/ISO 20022) to meet Critical Infrastructure Risk Management Program (CIRMP) requirements.

The 'Save to Desktop' workflow persists not because of negligence, but because of extreme complexity. A deep dive into the legal reality of manual payments in 2026.

We spend millions securing the ERP and millions securing the Bank. Yet, the bridge between them is often a CSV file sitting on a desktop. Here is why the 'Iron Layer' standard is replacing legacy file transfers.

I spoke to a National Practice Lead last week who asked: 'Aren't you just another bank feed provider like Yodlee?' It made me realize how muddy the waters are. Here is the architectural taxonomy of the Australian banking ecosystem.

You are paying high-skilled CPAs to do low-skill data entry. We did the math on a typical mid-market finance team, and the 'Manual Upload' process burns about 8 hours a week per entity.

We’ve talked about the 'Ram-Disk Enclave' and 'Sovereign Tunnels.' Now, watch them work. A 45-second uncut look at the Demiton Iron Layer.

Your ERP is secure. Your Bank is secure. But the manual file connection between them is a liability. Today, we're announcing the Demiton Sovereign Gateway—a cryptographic tunnel to end the era of text-file banking.

Australian finance teams are stuck between manual text files and overpriced global software. Demiton is the sovereign middle ground.

We treat Chat Apps as Remote Controls. Protocol Zero introduces cryptographic identity binding, allowing your CFO to approve million-dollar pay runs from Teams without compromising zero-trust security.

The default bank feed in Business Central relies on screen scraping—a technology regulators are actively reviewing. Building your treasury on it is a gamble.

Connecting Business Central to CommBiz shouldn't require a 6-month consulting project. We standardized the Host-to-Host protocols for Australia's Big 4 so you don't have to.

Your Bank speaks legacy mainframe. Your ERP speaks OData. Trying to force them to talk results in fragile, brittle code. We built a Universal Translator to fix it.

Integration work in Dynamics 365 is 20% coding and 80% fighting with URL syntax. We got tired of it. So we built the definitive OData IDE for FinOps—and we need 20 architects to try and break it.