Master the OIL Schema to Draw Payment Flows Clearly
Read OriginalThis article presents the OIL (Owner, Instrument, Ledger) schema, a standardized notation for clearly describing money at rest and payment flows. Aimed at professionals in fintech, crypto, and traditional finance, it solves common diagramming inconsistencies by specifying the owner, currency/instrument, and underlying ledger (e.g., AliceUSDJPM). The method improves communication for sales, engineering, and research roles.
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