Abstract: A method may include a producer application receiving balance transfer request data, formatting the balance transfer request data into a plurality of balance transfer data records, and streaming the plurality of balance transfer data records to an event streaming platform. A method may include an event streaming platform formatting the plurality of balance transfer data records into a partition and sending the balance transfer data records in a sequential order to a consuming application. A method may include a consuming application sending a first part of the balance transfer data records to a real-time payment network for settlement of a payment indicated in the first part of the balance transfer data records and sending a second part of the balance transfer data records to a posting application for posting to an electronic account balance ledger.