[stephenr]

You're asking for technical advice for a financial platform, on HN, watering hole for flavour of the week, cargo culting, me-too cool kids who change software stacks, libraries and development methodologies more often than they change their underwear.

That is why I said you shouldn't be asking for advice here, if you're working on a banking like platform.

It's like a brain surgeon going to ~~~webmd.com~~~ reddit.

As for the bit about horizontal scaling: if you have a limit like # of hashes per second you can generate, microservices isn't going to solve that - whatever is running your password checking code has that bottleneck, and the answer is either (to a point) faster cpu's, or more frequently and eventually inevitable at scale, distributing the workload. That means multiple servers running the same code to handle more clients - aka horizontal scaling. That's unrelated to whether it's monolithic or microservices based.

Edit: more appropriate analogy

[swtf]

You just sound angry..