Design document · numbered sections
Architecture notes: a citation-first RAG stack for regulated data
by @tomas — RAG systems @ fintech
An accepted design record for hybrid retrieval for RAG: constraints, decision, structure, consequences and the alternatives we rejected.
ADR-013 · Status: accepted · reviewed by platform and security · no open questions.
Context
We run hybrid retrieval for RAG for a product that cannot afford a bad week. This document records the constraints we were given, the shape we chose, and what we knowingly gave up.
Constraints
| Constraint | Target | Why it matters |
|---|---|---|
| p95 latency | < 2s | Below this, the product feels broken |
| Failure isolation | one tenant only | A noisy neighbour must not page the on-call |
| Cost visibility | per request | Finance asks monthly, and they are right |
| Change safety | revert in minutes | Prompts are code, so they need rollbacks |
Decision
Put one narrow boundary in front of the model, keep retries and fallbacks inside it, and emit telemetry from the same request path.
Three boundaries, each with exactly one job:
- Edge terminates identity and budget. Nothing downstream re-implements auth.
- Workers own retries, deadlines and fallbacks. Stateless, horizontally scalable.
- Telemetry is written inline — never reconstructed from logs afterwards.
Structure
client
│
├── edge: auth · quota · tenant routing
│ │
│ ├── pgvector
│ └── Postgres full-text
│
└── workers → upstream providers
│
└── telemetry: traces · evals · cost
Interfaces
The contract between edge and workers is a single schema, versioned with the deploy. pgvector + Postgres full-text + bge-m3 embeddings stay interchangeable because that contract never changes.
Consequences
What gets better
- Quotas are explainable to customers: one number, per tenant, observable.
- A provider outage becomes a routing decision instead of an incident.
- Every request has a cost, a latency and an outcome attached to it.
What gets worse
- One more hop of latency, roughly 8ms on our hardware.
- The edge becomes a shared dependency — it needs its own on-call rotation.
- Deploying it requires coordination with every consumer.
Failure modes
Under 3x load the first thing to fail was not the model; it was retries amplifying a partial outage. Every retry now carries jitter and a deadline inherited from the caller.
dense retrieval silently ignores exact identifiers like account numbers
Alternatives we rejected
| Option | Why it lost |
|---|---|
| Library inside each service | Auth and quota implemented five times, five ways |
| Provider SDK directly | No shared budget, no shared telemetry |
| Gateway as a product (vendor) | Cost per token on top of cost per token |
Operations
- Dashboards per tenant, not per instance
- One alert that matters: error rate above 1% for five minutes
- A runbook entry for "upstream degraded" a new hire can follow at 3am
That is it. No framework required.
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