---
title: "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
source_url: https://building.nubank.com/how-we-reduced-critical-path-latency-by-76-at-nubank/
type: article
source: "Nubank"
published: 2026-01-12T10:04:26.585Z
updated: 2026-01-12T10:04:47.398Z
tags: ["performance", "architecture", "microservices", "distributed-systems"]
reading_time: 1
upvotes: 0
comments: 0
language: en
---

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# 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: <https://building.nubank.com/how-we-reduced-critical-path-latency-by-76-at-nubank/>

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---

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)

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