Aug 2511 min read
Designing a Split-Payment Referral System in Django: A Full Implementation Guide
Split-payment systems are deceptively hard.
Pragmatic by Design
Founding writerby Chidozie Managwu
I build and write about practical data and AI systems -focused on reliability, production trade-offs, and real-world implementation. My background spans data analysis, automation, reporting, and software delivery across healthcare, research, and product teams
2 subscribers7+ postsPublishing since July 2026
Latest articles
Aug 219 min read
Why Most Split-Payment Systems Fail at the Business Layer
Most payment systems are designed for checkout.
Aug 1110 min read
Engineering a 90%+ Margin Event Marketplace: Why We Bet on Telegram Mini Apps, PHP, and Lean AI
If your event marketplace is mostly software, not operations, you can push gross margins above 90% by combining Telegram Mini Apps for zero-friction distribution, PHP for a lean backend, and AI only where it directly improves conversion, moderation, or discovery.
Aug 109 min read
How to Build a Production-Ready AI Agent for $0/Month Using PHP, cPanel, and Gemini Flash
Build an autonomous function-calling AI agent on a standard LAMP stack by using PHP for orchestration, MySQL for memory, Gemini Flash for reasoning, and cPanel for deployment.
Jul 248 min read
How I Design Event-Driven AI Systems for Production
A deep dive into state, retries, idempotency, observability, and reliable workflow design for modern AI products.
Jul 118 min read
Deterministic Chunking vs Dynamic Hierarchy: Building a Production-Ready Hybrid RAG System
A deep dive into hierarchical retrieval, hybrid search, reranking, and production trade-offs in modern RAG systems
Jul 86 min read
What I’ve Learned So Far About Building Reliable AI Products
A practical first reflection on turning AI ideas into products that are useful, simple, and dependable
