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Money-Safe Go

Building Financial Software That Never Loses a Penny

Money-Safe Go
This book is 100% completeLast updated on 2026-10-25

Floats that lose cents, payments charged twice, ledgers that don’t balance. This book shows Go developers how to write financial code that gets money right, with tested code for every pattern.

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About

About

About the Book

If you write Go and your code touches money, this book is for you.

Money code fails differently from other code. A rounding slip, a retried request or a job that runs twice can mean a customer charged twice, a loan with the wrong interest, or a balance that’s been quietly wrong for years. The fixes aren’t secret, but they’re scattered across accounting textbooks, payment network rulebooks and the post-mortems of companies that got it wrong.

Money-Safe Go puts them in one place. You’ll learn to represent amounts exactly, handle business dates and cutoffs, build a double-entry ledger, charge exactly once with idempotency keys, survive concurrency and batch jobs, reconcile against the bank, and keep an audit trail. Later chapters cover real money flows: currencies, loan schedules, refunds and chargebacks, prepaid balances, webhooks, data migrations, bank returns, month-end close, and fraud limits. A capstone chapter builds a small payments service that brings it all together.

Every chapter opens with a real incident from public sources, and every listing comes from companion code that’s tested in Go and PostgreSQL. The code is free on GitHub.

Author

About the Author

Daniel Marrera

Daniel Marrera, Jr has spent more than 40 years building banking, lending and collections systems, and about a decade writing Go. He wrote Money-Safe Go to collect, in one place, the lessons that usually take a career and a few painful incidents to learn.

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