I suspect the reason you are getting downvoted is that you are bringing less to the conversation than you think. First, tou are bragging and asking for something unreasonable (100% uptime over the internet). Every system like this faces some downtime. Maybe it's as high as 7,8 or even 9 9s, but some degradation is unavoidable.
Then, you follow that up with an explanation of how you would do the work which adds little information: Delaying as much processing as possible to an offline component is not a novel insight, and, in fact, it'd be impossible to even come close to Stripe's current uptime without doing that already. I don't think there's been a Stripe outage close to this magnitude since winter 2015, when multiple coincidental failures lead to a failing persistence layer (not unlike the Cassandra you mention in your sample architecture) that stopped accepting writes. Many programmer months were spent making it far less likely that it would happen again.
Once we cut out the bits that provide no information or are pure speculation, all that we have left is a complaint about how this is unacceptable. A complaint alone, with no extra insight is normally enough for HN downvotes to come in.
My laptop's hard drive has 100% reliability to date. Doesn't mean I'm not making backups.
> That doesn't mean it doesn't suffer from failures in one or multiple AZs or that it is perfect
If "100% reliability" doesn't mean 100% uptime for all users, then what does it mean?
How often are changes made to the system?
I'm still making backups.
Your uptime is only as good as your downstream components, and no downstream component will give you 100% guarantee. You can have redundancy on top of redundancy (like space systems), but that will just stretch out your nines at best.
For the same reason your downstream components cannot guarantee you 100% uptime, you also cannot guarantee 100% uptime for a new system in isolation, for reasons the sibling comments go into.
Just because a node or DC fails doesn't mean there is a user visible impact.
I mean, I get it, but you are holding companies to a standard that isn't the norm at all. This doesn't excuse Stripe's outage, but your comolaint and armchair advice without even knowing the cause of the issue or that company's internal setup is obviously going to attract downvotes.
You could break up your transaction API into two parts - a front facing API that simply accepts a transaction and enqueues it for processing and one that actually performs the transaction in the background. The front facing API should have low complexity and rarely change. It can persist transactions in a KV store like Cassandra to maximize availability.
The backend API that performs the transaction can have higher complexity and can afford to have lower availability. From the client's perspective, you could either respond immediately (HTTP 200) or with accepted (HTTP 202). In either case the client will be happier than the transaction failing outright.
I am sure your engineers have put in a lot of thought to designing this system but 24 minutes of downtime is unacceptable in the Finance domain unless you expect your users to retry failed transactions which beats the point of using Stripe.
Edit: Can someone explain why am I being downvoted? Rather than downvoting, can you provide arguments that make sense?