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Sagar Thakkar
Writing

Notes from the field.

On distributed systems, the maths underneath them, and the leadership work that turns design into shipped software.

This blog is written from production, not from documentation: AI decisioning systems in regulated businesses, agent architectures that survive audits, queueing and capacity maths, and the trade-offs behind cloud and event-driven designs. Every post is anchored to a system I have built or reviewed, with the numbers I can defend. Longer pieces are cross-published on Coding Layman, where the same ideas are rewritten in plain language for readers earlier in the journey. If you want the short version of any article, each one opens with a TL;DR built for skimming.

★ START HERE Architecture

I built a 51-agent AI system. Here's what no tutorial will teach you about multi-agent orchestration.

The model was never the hard part. Orchestration, routing, and failure modes are. Here's the architecture.

12 min read →
Architecture

Three things my agent guard could not see

My coordinator stopped parallel coding agents colliding. Then I read what it missed: a check grading a fiction, a write to an unseen repo, a dead lease. · 7 min read
Architecture

Two agents, two repositories, one refused collision

Two coding agents ran in parallel under declared write scope. One collision was refused before spawn, one scope escape was caught at exit. · 6 min read
Architecture

Approve and Deny Are the Easy Part: Loan Decisioning With a Human in the Loop

Approve and deny are the easy majority of loan volume. The architecture lives in the exceptions: classify, route, human review, re-entry, audit. · 12 min read
Architecture

Production RAG for a Tier-1 Bank: An Architecture Walkthrough

Bank RAG projects die at second-line risk review, not at the model. The retrieval architecture that survives an audit, and why it was chosen. · 17 min read
Architecture

Easy to Demo, Hard to Operate: Why AI Pilots Stall in Month Two

AI pilots rarely fail on the model. They stall on memory, security, monitoring and cost. One platform built inside hard limits shows what that takes. · 9 min read
Architecture

Your coding agents do not need better merges, they need to declare

Isolation then merge checks for collisions after the work is paid for. Claim-before-spawn checks before the process starts, so refusing costs nothing. · 6 min read
Architecture

I built a supervisor for my coding agents, measured it, and deleted it

I built a supervisor loop for my coding agents, measured it against no supervisor, and removed it: identical success, two percent worse cost. · 6 min read
Architecture

The AI Loan Officer Exists. The Hard Part Is Everything Around It.

AI loan decisions are lifecycles, not responses: async intake, queued workers, human-review loops, and an audit trail regulators can trust - end to end. · 7 min read
Architecture

The Agent Trio: How I Run Three AI Agents on One Shared Memory

Three agent planes, one shared memory, zero self-modification: the shape that keeps a multi-agent system debuggable as it grows. · 6 min read
Architecture

Why Architects Can't Ignore Knowledge Distillation of Black-Box LLMs

Proprietary LLM costs explode at scale. Here's how to compress frontier models into deployable, cost-effective alternatives you actually control. · 8 min read
Architecture

Masking Sensitive IDs Across 600 Million Documents: A Batch Architecture That Scales

How to design a production batch pipeline to mask the first 8 digits of an ID number across 600 million documents, focused on processing time, cost, components, and compliance. · 6 min read
Maths

Why Numbers Are Not Enough: Scalars vs Vectors

Most people believe mathematics starts with numbers. That belief works-until it doesn't. · 5 min read
Architecture

Token-Based vs Session-Based Security: An Architect's Perspective

A practical breakdown of session vs token security, when to use which, and modern best practices. · 8 min read
Architecture

The Insight That Unlocks Linear Algebra for Engineers

Discover why matrices are not just tables of numbers, but functions in disguise. A paradigm shift that transforms how engineers think about systems, transformations, and architecture. · 6 min read
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