--- title: How we reduced critical path latency by 76% at Nubank description: Nubank reduced payment API latency from 1200ms to 280ms (76% reduction) through a two-phase approach. Phase 1 optimized the existing synchronous architecture... canonical: https://daily.dev/posts/how-we-reduced-critical-path-latency-by-76-at-nubank-j9qzalzkp twitter:card: summary_large_image twitter:site: @dailydotdev og:type: website og:site_name: daily.dev og:title: How we reduced critical path latency by 76% at Nubank | daily.dev og:description: Nubank reduced payment API latency from 1200ms to 280ms (76% reduction) through a two-phase approach. Phase 1 optimized the existing synchronous architecture... og:url: https://daily.dev/posts/how-we-reduced-critical-path-latency-by-76-at-nubank-j9qzalzkp og:image: https://api.daily.dev/og/posts/J9qzaLzkP.png og:image:alt: How we reduced critical path latency by 76% at Nubank og:image:width: 1200 og:image:height: 630 og:locale: en --- > ## Documentation Index > Fetch the complete documentation index at: https://daily.dev/llms.txt > Use this file to discover all available pages before exploring further. # How we reduced critical path latency by 76% at Nubank **[Nubank](https://daily.dev/sources/nubank)** · 1 min read · 0 upvotes · 0 comments ## Summary Nubank reduced payment API latency from 1200ms to 280ms (76% reduction) through a two-phase approach. Phase 1 optimized the existing synchronous architecture by propagating context to eliminate redundant calls and collapsing non-essential service layers. Phase 2 introduced an event-driven active caching strategy that precomputes payment conditions at write-time, storing materialized views in a low-latency datastore. This architectural shift moved complexity from the read path to the write path, decoupling customer-facing latency from downstream service dependencies and infrastructure variability while maintaining correctness through mandatory fallback mechanisms. ## Full article daily.dev links to this article rather than hosting it. Read it at the original source: ## Similar posts on daily.dev - [Engineering for Instantaneity: How a Team’s Persistence Transformed Our Trading Platform](https://daily.dev/posts/engineering-for-instantaneity-how-a-team-s-persistence-transformed-our-trading-platform-lh4dvsatq) · Groww Engineering · 7 upvotes · 1 comments - [From day one to first delivery: How we redesigned Nubank’s Engineering onboarding](https://daily.dev/posts/from-day-one-to-first-delivery-how-we-redesigned-nubank-s-engineering-onboarding-autx4jrr7) · Nubank · 0 upvotes · 0 comments - [Engineering Speed at Scale — Architectural Lessons from Sub-100-ms APIs](https://daily.dev/posts/engineering-speed-at-scale-architectural-lessons-from-sub-100-ms-apis-jlkbvacta) · InfoQ · 0 upvotes · 0 comments --- Tags: [#performance](https://daily.dev/tags/performance), [#architecture](https://daily.dev/tags/architecture), [#microservices](https://daily.dev/tags/microservices), [#distributed-systems](https://daily.dev/tags/distributed-systems) [View this post on daily.dev](https://daily.dev/posts/how-we-reduced-critical-path-latency-by-76-at-nubank-j9qzalzkp) ```json {"@context":"https://schema.org","@graph":[{"@type":"Organization","@id":"https://daily.dev/#organization","name":"daily.dev","url":"https://daily.dev","logo":{"@type":"ImageObject","url":"https://daily.dev/apple-touch-icon.png","width":180,"height":180},"sameAs":["https://twitter.com/dailydotdev","https://github.com/dailydotdev","https://www.linkedin.com/company/daily-dev-ltd"]},{"@type":"WebSite","@id":"https://daily.dev/#website","url":"https://daily.dev","name":"daily.dev","publisher":{"@id":"https://daily.dev/#organization"},"potentialAction":{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https://daily.dev/search?q={search_term_string}"},"query-input":"required name=search_term_string"}}]} {"@context":"https://schema.org","@type":"TechArticle","headline":"How we reduced critical path latency by 76% at Nubank","url":"https://daily.dev/posts/how-we-reduced-critical-path-latency-by-76-at-nubank-j9qzalzkp","mainEntityOfPage":{"@type":"WebPage","@id":"https://daily.dev/posts/how-we-reduced-critical-path-latency-by-76-at-nubank-j9qzalzkp"},"datePublished":"2026-01-12T10:04:26.585Z","dateModified":"2026-01-12T10:04:47.398Z","description":"Nubank reduced payment API latency from 1200ms to 280ms (76% reduction) through a two-phase approach. 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