quote requests are paused while the payout amount is being edited

Reviewed-on: #209

api/fx/oracle/internal/service/oracle/service.go

@@ -130,7 +130,7 @@ func (s *Service) getQuoteResponder(ctx context.Context, req *oraclev1.GetQuoteR
 	if err != nil {
 		switch {
 		case errors.Is(err, merrors.ErrNoData):
-			logger.Warn("pair not supported", zap.String("pair", pairKey.Base+"/"+pairKey.Quote))
+			logger.Warn("Pair not supported", zap.String("pair", pairKey.Base+"/"+pairKey.Quote))
 			return gsresponse.InvalidArgument[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, merrors.InvalidArgument("pair_not_supported"))
 		default:
 			logger.Warn("GetQuote failed to load pair", zap.Error(err))
@@ -150,7 +150,7 @@ func (s *Service) getQuoteResponder(ctx context.Context, req *oraclev1.GetQuoteR
 	if err != nil {
 		switch {
 		case errors.Is(err, merrors.ErrNoData):
-			logger.Warn("rate not found", zap.String("pair", pairKey.Base+"/"+pairKey.Quote), zap.String("provider", provider))
+			logger.Warn("Rate not found", zap.String("pair", pairKey.Base+"/"+pairKey.Quote), zap.String("provider", provider))
 			return gsresponse.FailedPrecondition[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, "rate_not_found", err)
 		default:
 			logger.Warn("GetQuote failed to load rate", zap.Error(err), zap.String("pair", pairKey.Base+"/"+pairKey.Quote), zap.String("provider", provider))

api/fx/storage/mongo/repository.go

@@ -50,28 +50,28 @@ func New(logger mlogger.Logger, conn *db.MongoConnection) (*Store, error) {
 	defer cancel()
 
 	if err := s.Ping(ctx); err != nil {
-		s.logger.Error("mongo ping failed during store init", zap.Error(err))
+		s.logger.Error("Mongo ping failed during store init", zap.Error(err))
 		return nil, err
 	}
 
 	ratesStore, err := store.NewRates(s.logger, db)
 	if err != nil {
-		s.logger.Error("failed to initialize rates store", zap.Error(err))
+		s.logger.Error("Failed to initialize rates store", zap.Error(err))
 		return nil, err
 	}
 	quotesStore, err := store.NewQuotes(s.logger, db, txFactory)
 	if err != nil {
-		s.logger.Error("failed to initialize quotes store", zap.Error(err))
+		s.logger.Error("Failed to initialize quotes store", zap.Error(err))
 		return nil, err
 	}
 	pairsStore, err := store.NewPair(s.logger, db)
 	if err != nil {
-		s.logger.Error("failed to initialize pair store", zap.Error(err))
+		s.logger.Error("Failed to initialize pair store", zap.Error(err))
 		return nil, err
 	}
 	currencyStore, err := store.NewCurrency(s.logger, db)
 	if err != nil {
-		s.logger.Error("failed to initialize currency store", zap.Error(err))
+		s.logger.Error("Failed to initialize currency store", zap.Error(err))
 		return nil, err
 	}
 
@@ -80,7 +80,7 @@ func New(logger mlogger.Logger, conn *db.MongoConnection) (*Store, error) {
 	s.pairs = pairsStore
 	s.currencies = currencyStore
 
-	s.logger.Info("mongo storage ready")
+	s.logger.Info("Mongo storage ready")
 	return s, nil
 }
 

api/fx/storage/mongo/store/currency.go

@@ -29,11 +29,11 @@ func NewCurrency(logger mlogger.Logger, db *mongo.Database) (storage.CurrencySto
 		Unique: true,
 	}
 	if err := repo.CreateIndex(index); err != nil {
-		logger.Error("failed to ensure currencies index", zap.Error(err))
+		logger.Error("Failed to ensure currencies index", zap.Error(err))
 		return nil, err
 	}
 	childLogger := logger.Named(model.CurrenciesCollection)
-	childLogger.Debug("currency store initialised", zap.String("collection", model.CurrenciesCollection))
+	childLogger.Debug("Currency store initialised", zap.String("collection", model.CurrenciesCollection))
 
 	return &currencyStore{
 		logger: childLogger,
@@ -43,17 +43,17 @@ func NewCurrency(logger mlogger.Logger, db *mongo.Database) (storage.CurrencySto
 
 func (c *currencyStore) Get(ctx context.Context, code string) (*model.Currency, error) {
 	if code == "" {
-		c.logger.Warn("attempt to fetch currency with empty code")
+		c.logger.Warn("Attempt to fetch currency with empty code")
 		return nil, merrors.InvalidArgument("currencyStore: empty code")
 	}
 	result := &model.Currency{}
 	if err := c.repo.FindOneByFilter(ctx, repository.Filter("code", code), result); err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			c.logger.Debug("currency not found", zap.String("code", code))
+			c.logger.Debug("Currency not found", zap.String("code", code))
 		}
 		return nil, err
 	}
-	c.logger.Debug("currency loaded", zap.String("code", code))
+	c.logger.Debug("Currency loaded", zap.String("code", code))
 	return result, nil
 }
 
@@ -77,20 +77,20 @@ func (c *currencyStore) List(ctx context.Context, codes ...string) ([]*model.Cur
 		return nil
 	})
 	if err != nil {
-		c.logger.Error("failed to list currencies", zap.Error(err))
+		c.logger.Warn("Failed to list currencies", zap.Error(err))
 		return nil, err
 	}
-	c.logger.Debug("listed currencies", zap.Int("count", len(currencies)))
+	c.logger.Debug("Listed currencies", zap.Int("count", len(currencies)))
 	return currencies, nil
 }
 
 func (c *currencyStore) Upsert(ctx context.Context, currency *model.Currency) error {
 	if currency == nil {
-		c.logger.Warn("attempt to upsert nil currency")
+		c.logger.Warn("Attempt to upsert nil currency")
 		return merrors.InvalidArgument("currencyStore: nil currency")
 	}
 	if currency.Code == "" {
-		c.logger.Warn("attempt to upsert currency with empty code")
+		c.logger.Warn("Attempt to upsert currency with empty code")
 		return merrors.InvalidArgument("currencyStore: empty code")
 	}
 
@@ -98,16 +98,16 @@ func (c *currencyStore) Upsert(ctx context.Context, currency *model.Currency) er
 	filter := repository.Filter("code", currency.Code)
 	if err := c.repo.FindOneByFilter(ctx, filter, existing); err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			c.logger.Debug("inserting new currency", zap.String("code", currency.Code))
+			c.logger.Debug("Inserting new currency", zap.String("code", currency.Code))
 			return c.repo.Insert(ctx, currency, filter)
 		}
-		c.logger.Error("failed to fetch currency", zap.Error(err), zap.String("code", currency.Code))
+		c.logger.Warn("Failed to fetch currency", zap.Error(err), zap.String("code", currency.Code))
 		return err
 	}
 
 	if existing.GetID() != nil {
 		currency.SetID(*existing.GetID())
 	}
-	c.logger.Debug("updating currency", zap.String("code", currency.Code))
+	c.logger.Debug("Updating currency", zap.String("code", currency.Code))
 	return c.repo.Update(ctx, currency)
 }

api/fx/storage/mongo/store/pair.go

@@ -29,10 +29,10 @@ func NewPair(logger mlogger.Logger, db *mongo.Database) (storage.PairStore, erro
 		Unique: true,
 	}
 	if err := repo.CreateIndex(index); err != nil {
-		logger.Error("failed to ensure pairs index", zap.Error(err))
+		logger.Error("Failed to ensure pairs index", zap.Error(err))
 		return nil, err
 	}
-	logger.Debug("pair store initialised", zap.String("collection", model.PairsCollection))
+	logger.Debug("Pair store initialised", zap.String("collection", model.PairsCollection))
 
 	return &pairStore{
 		logger: logger.Named(model.PairsCollection),
@@ -53,16 +53,16 @@ func (p *pairStore) ListEnabled(ctx context.Context) ([]*model.Pair, error) {
 		return nil
 	})
 	if err != nil {
-		p.logger.Error("failed to list enabled pairs", zap.Error(err))
+		p.logger.Warn("Failed to list enabled pairs", zap.Error(err))
 		return nil, err
 	}
-	p.logger.Debug("listed enabled pairs", zap.Int("count", len(pairs)))
+	p.logger.Debug("Listed enabled pairs", zap.Int("count", len(pairs)))
 	return pairs, nil
 }
 
 func (p *pairStore) Get(ctx context.Context, pair model.CurrencyPair) (*model.Pair, error) {
 	if pair.Base == "" || pair.Quote == "" {
-		p.logger.Warn("attempt to fetch pair with empty currency", zap.String("base", pair.Base), zap.String("quote", pair.Quote))
+		p.logger.Warn("Attempt to fetch pair with empty currency", zap.String("base", pair.Base), zap.String("quote", pair.Quote))
 		return nil, merrors.InvalidArgument("pairStore: incomplete pair")
 	}
 	result := &model.Pair{}
@@ -71,21 +71,21 @@ func (p *pairStore) Get(ctx context.Context, pair model.CurrencyPair) (*model.Pa
 		Filter(repository.Field("pair").Dot("quote"), pair.Quote)
 	if err := p.repo.FindOneByFilter(ctx, query, result); err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			p.logger.Debug("pair not found", zap.String("base", pair.Base), zap.String("quote", pair.Quote))
+			p.logger.Debug("Pair not found", zap.String("base", pair.Base), zap.String("quote", pair.Quote))
 		}
 		return nil, err
 	}
-	p.logger.Debug("pair loaded", zap.String("base", pair.Base), zap.String("quote", pair.Quote))
+	p.logger.Debug("Pair loaded", zap.String("base", pair.Base), zap.String("quote", pair.Quote))
 	return result, nil
 }
 
 func (p *pairStore) Upsert(ctx context.Context, pair *model.Pair) error {
 	if pair == nil {
-		p.logger.Warn("attempt to upsert nil pair")
+		p.logger.Warn("Attempt to upsert nil pair")
 		return merrors.InvalidArgument("pairStore: nil pair")
 	}
 	if pair.Pair.Base == "" || pair.Pair.Quote == "" {
-		p.logger.Warn("attempt to upsert pair with empty currency", zap.String("base", pair.Pair.Base), zap.String("quote", pair.Pair.Quote))
+		p.logger.Warn("Attempt to upsert pair with empty currency", zap.String("base", pair.Pair.Base), zap.String("quote", pair.Pair.Quote))
 		return merrors.InvalidArgument("pairStore: incomplete pair")
 	}
 
@@ -96,16 +96,16 @@ func (p *pairStore) Upsert(ctx context.Context, pair *model.Pair) error {
 	err := p.repo.FindOneByFilter(ctx, query, existing)
 	if err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			p.logger.Debug("inserting new pair", zap.String("base", pair.Pair.Base), zap.String("quote", pair.Pair.Quote))
+			p.logger.Debug("Inserting new pair", zap.String("base", pair.Pair.Base), zap.String("quote", pair.Pair.Quote))
 			return p.repo.Insert(ctx, pair, query)
 		}
-		p.logger.Error("failed to fetch pair", zap.Error(err), zap.String("base", pair.Pair.Base), zap.String("quote", pair.Pair.Quote))
+		p.logger.Warn("Failed to fetch pair", zap.Error(err), zap.String("base", pair.Pair.Base), zap.String("quote", pair.Pair.Quote))
 		return err
 	}
 
 	if existing.GetID() != nil {
 		pair.SetID(*existing.GetID())
 	}
-	p.logger.Debug("updating pair", zap.String("base", pair.Pair.Base), zap.String("quote", pair.Pair.Quote))
+	p.logger.Debug("Updating pair", zap.String("base", pair.Pair.Base), zap.String("quote", pair.Pair.Quote))
 	return p.repo.Update(ctx, pair)
 }

api/fx/storage/mongo/store/quotes.go

@@ -56,12 +56,12 @@ func NewQuotes(logger mlogger.Logger, db *mongo.Database, txFactory transaction.
 
 	for _, def := range indexes {
 		if err := repo.CreateIndex(def); err != nil {
-			logger.Error("failed to ensure quotes index", zap.Error(err))
+			logger.Error("Failed to ensure quotes index", zap.Error(err))
 			return nil, err
 		}
 	}
 	childLogger := logger.Named(model.QuotesCollection)
-	childLogger.Debug("quotes store initialised", zap.String("collection", model.QuotesCollection))
+	childLogger.Debug("Quotes store initialised", zap.String("collection", model.QuotesCollection))
 
 	return &quotesStore{
 		logger:    childLogger,
@@ -72,11 +72,11 @@ func NewQuotes(logger mlogger.Logger, db *mongo.Database, txFactory transaction.
 
 func (q *quotesStore) Issue(ctx context.Context, quote *model.Quote) error {
 	if quote == nil {
-		q.logger.Warn("attempt to issue nil quote")
+		q.logger.Warn("Attempt to issue nil quote")
 		return merrors.InvalidArgument("quotesStore: nil quote")
 	}
 	if quote.QuoteRef == "" {
-		q.logger.Warn("attempt to issue quote with empty ref")
+		q.logger.Warn("Attempt to issue quote with empty ref")
 		return merrors.InvalidArgument("quotesStore: empty quoteRef")
 	}
 
@@ -89,32 +89,32 @@ func (q *quotesStore) Issue(ctx context.Context, quote *model.Quote) error {
 	quote.ConsumedByLedgerTxnRef = ""
 	quote.ConsumedAtUnixMs = nil
 	if err := q.repo.Insert(ctx, quote, repository.Filter("quoteRef", quote.QuoteRef)); err != nil {
-		q.logger.Error("failed to insert quote", zap.Error(err), zap.String("quote_ref", quote.QuoteRef))
+		q.logger.Warn("Failed to insert quote", zap.Error(err), zap.String("quote_ref", quote.QuoteRef))
 		return err
 	}
-	q.logger.Debug("quote issued", zap.String("quote_ref", quote.QuoteRef), zap.Bool("firm", quote.Firm))
+	q.logger.Debug("Quote issued", zap.String("quote_ref", quote.QuoteRef), zap.Bool("firm", quote.Firm))
 	return nil
 }
 
 func (q *quotesStore) GetByRef(ctx context.Context, quoteRef string) (*model.Quote, error) {
 	if quoteRef == "" {
-		q.logger.Warn("attempt to fetch quote with empty ref")
+		q.logger.Warn("Attempt to fetch quote with empty ref")
 		return nil, merrors.InvalidArgument("quotesStore: empty quoteRef")
 	}
 	quote := &model.Quote{}
 	if err := q.repo.FindOneByFilter(ctx, repository.Filter("quoteRef", quoteRef), quote); err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			q.logger.Debug("quote not found", zap.String("quote_ref", quoteRef))
+			q.logger.Debug("Quote not found", zap.String("quote_ref", quoteRef))
 		}
 		return nil, err
 	}
-	q.logger.Debug("quote loaded", zap.String("quote_ref", quoteRef), zap.String("status", string(quote.Status)))
+	q.logger.Debug("Quote loaded", zap.String("quote_ref", quoteRef), zap.String("status", string(quote.Status)))
 	return quote, nil
 }
 
 func (q *quotesStore) Consume(ctx context.Context, quoteRef, ledgerTxnRef string, when time.Time) (*model.Quote, error) {
 	if quoteRef == "" || ledgerTxnRef == "" {
-		q.logger.Warn("attempt to consume quote with missing identifiers", zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
+		q.logger.Warn("Attempt to consume quote with missing identifiers", zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
 		return nil, merrors.InvalidArgument("quotesStore: missing identifiers")
 	}
 
@@ -122,7 +122,7 @@ func (q *quotesStore) Consume(ctx context.Context, quoteRef, ledgerTxnRef string
 		when = time.Now()
 	}
 
-	q.logger.Debug("consuming quote", zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
+	q.logger.Debug("Consuming quote", zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
 	txn := q.txFactory.CreateTransaction()
 	result, err := txn.Execute(ctx, func(txCtx context.Context) (any, error) {
 		quote := &model.Quote{}
@@ -131,7 +131,7 @@ func (q *quotesStore) Consume(ctx context.Context, quoteRef, ledgerTxnRef string
 		}
 
 		if !quote.Firm {
-			q.logger.Warn("quote not firm", zap.String("quote_ref", quoteRef))
+			q.logger.Warn("Quote not firm", zap.String("quote_ref", quoteRef))
 			return nil, storage.ErrQuoteNotFirm
 		}
 
@@ -140,16 +140,16 @@ func (q *quotesStore) Consume(ctx context.Context, quoteRef, ledgerTxnRef string
 			if err := q.repo.Update(txCtx, quote); err != nil {
 				return nil, err
 			}
-			q.logger.Info("quote expired during consume", zap.String("quote_ref", quoteRef))
+			q.logger.Info("Quote expired during consume", zap.String("quote_ref", quoteRef))
 			return nil, storage.ErrQuoteExpired
 		}
 
 		if quote.Status == model.QuoteStatusConsumed {
 			if quote.ConsumedByLedgerTxnRef == ledgerTxnRef {
-				q.logger.Debug("quote already consumed by ledger", zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
+				q.logger.Debug("Quote already consumed by ledger", zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
 				return quote, nil
 			}
-			q.logger.Warn("quote consumed by different ledger", zap.String("quote_ref", quoteRef), zap.String("existing_ledger_ref", quote.ConsumedByLedgerTxnRef))
+			q.logger.Warn("Quote consumed by different ledger", zap.String("quote_ref", quoteRef), zap.String("existing_ledger_ref", quote.ConsumedByLedgerTxnRef))
 			return nil, storage.ErrQuoteConsumed
 		}
 
@@ -157,11 +157,11 @@ func (q *quotesStore) Consume(ctx context.Context, quoteRef, ledgerTxnRef string
 		if err := q.repo.Update(txCtx, quote); err != nil {
 			return nil, err
 		}
-		q.logger.Info("quote consumed", zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
+		q.logger.Info("Quote consumed", zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
 		return quote, nil
 	})
 	if err != nil {
-		q.logger.Error("quote consumption failed", zap.Error(err), zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
+		q.logger.Warn("Quote consumption failed", zap.Error(err), zap.String("quote_ref", quoteRef), zap.String("ledger_ref", ledgerTxnRef))
 		return nil, err
 	}
 	quote, _ := result.(*model.Quote)
@@ -173,7 +173,7 @@ func (q *quotesStore) Consume(ctx context.Context, quoteRef, ledgerTxnRef string
 
 func (q *quotesStore) ExpireIssuedBefore(ctx context.Context, cutoff time.Time) (int, error) {
 	if cutoff.IsZero() {
-		q.logger.Warn("attempt to expire quotes with zero cutoff")
+		q.logger.Warn("Attempt to expire quotes with zero cutoff")
 		return 0, merrors.InvalidArgument("quotesStore: cutoff time is zero")
 	}
 
@@ -188,11 +188,11 @@ func (q *quotesStore) ExpireIssuedBefore(ctx context.Context, cutoff time.Time)
 
 	updated, err := q.repo.PatchMany(ctx, filter, patch)
 	if err != nil {
-		q.logger.Error("failed to expire quotes", zap.Error(err))
+		q.logger.Warn("Failed to expire quotes", zap.Error(err))
 		return 0, err
 	}
 	if updated > 0 {
-		q.logger.Info("quotes expired", zap.Int("count", updated))
+		q.logger.Info("Quotes expired", zap.Int("count", updated))
 	}
 	return updated, nil
 }

api/fx/storage/mongo/store/rates.go

@@ -51,11 +51,11 @@ func NewRates(logger mlogger.Logger, db *mongo.Database) (storage.RatesStore, er
 
 	for _, def := range indexes {
 		if err := repo.CreateIndex(def); err != nil {
-			logger.Error("failed to ensure rates index", zap.Error(err))
+			logger.Error("Failed to ensure rates index", zap.Error(err))
 			return nil, err
 		}
 	}
-	logger.Debug("rates store initialised", zap.String("collection", model.RatesCollection))
+	logger.Debug("Rates store initialised", zap.String("collection", model.RatesCollection))
 	return &ratesStore{
 		logger: logger.Named(model.RatesCollection),
 		repo:   repo,
@@ -64,11 +64,11 @@ func NewRates(logger mlogger.Logger, db *mongo.Database) (storage.RatesStore, er
 
 func (r *ratesStore) UpsertSnapshot(ctx context.Context, snapshot *model.RateSnapshot) error {
 	if snapshot == nil {
-		r.logger.Warn("attempt to upsert nil snapshot")
+		r.logger.Warn("Attempt to upsert nil snapshot")
 		return merrors.InvalidArgument("ratesStore: nil snapshot")
 	}
 	if snapshot.RateRef == "" {
-		r.logger.Warn("attempt to upsert snapshot with empty rate_ref")
+		r.logger.Warn("Attempt to upsert snapshot with empty rate_ref")
 		return merrors.InvalidArgument("ratesStore: empty rateRef")
 	}
 
@@ -82,17 +82,17 @@ func (r *ratesStore) UpsertSnapshot(ctx context.Context, snapshot *model.RateSna
 	err := r.repo.FindOneByFilter(ctx, filter, existing)
 	if err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			r.logger.Debug("inserting new rate snapshot", zap.String("rate_ref", snapshot.RateRef))
+			r.logger.Debug("Inserting new rate snapshot", zap.String("rate_ref", snapshot.RateRef))
 			return r.repo.Insert(ctx, snapshot, filter)
 		}
-		r.logger.Error("failed to query rate snapshot", zap.Error(err), zap.String("rate_ref", snapshot.RateRef))
+		r.logger.Warn("Failed to query rate snapshot", zap.Error(err), zap.String("rate_ref", snapshot.RateRef))
 		return err
 	}
 
 	if existing.GetID() != nil {
 		snapshot.SetID(*existing.GetID())
 	}
-	r.logger.Debug("updating rate snapshot", zap.String("rate_ref", snapshot.RateRef))
+	r.logger.Debug("Updating rate snapshot", zap.String("rate_ref", snapshot.RateRef))
 	return r.repo.Update(ctx, snapshot)
 }
 

api/gateway/chain/go.mod

@@ -22,7 +22,7 @@ require (
 
 require (
 	github.com/Microsoft/go-winio v0.6.2 // indirect
-	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251225023818-8886bb81c549 // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251229120209-a0d175451f7b // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bits-and-blooms/bitset v1.24.4 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect

api/gateway/chain/go.sum

@@ -6,8 +6,8 @@ github.com/DataDog/zstd v1.4.5 h1:EndNeuB0l9syBZhut0wns3gV1hL8zX8LIu6ZiVHWLIQ=
 github.com/DataDog/zstd v1.4.5/go.mod h1:1jcaCB/ufaK+sKp1NBhlGmpz41jOoPQ35bpF36t7BBo=
 github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
 github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251225023818-8886bb81c549 h1:NERDcANvDCnspxdMEMLXOMnuITWIWrTQvvhEA8ewBBM=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251229120209-a0d175451f7b h1:g/wCbvJGhOAqfGBjWnqtD6CVsXdr3G4GCbjLR6z9kNw=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251225023818-8886bb81c549/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251229120209-a0d175451f7b/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
 github.com/VictoriaMetrics/fastcache v1.13.0 h1:AW4mheMR5Vd9FkAPUv+NH6Nhw+fmbTMGMsNAoA/+4G0=
 github.com/VictoriaMetrics/fastcache v1.13.0/go.mod h1:hHXhl4DA2fTL2HTZDJFXWgW0LNjo6B+4aj2Wmng3TjU=
 github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=

api/gateway/chain/internal/keymanager/vault/manager.go

@@ -45,22 +45,22 @@ func New(logger mlogger.Logger, cfg Config) (*Manager, error) {
 	}
 	address := strings.TrimSpace(cfg.Address)
 	if address == "" {
-		logger.Error("vault address missing")
+		logger.Error("Vault address missing")
 		return nil, merrors.InvalidArgument("vault key manager: address is required")
 	}
 	tokenEnv := strings.TrimSpace(cfg.TokenEnv)
 	if tokenEnv == "" {
-		logger.Error("vault token env missing")
+		logger.Error("Vault token env missing")
 		return nil, merrors.InvalidArgument("vault key manager: token_env is required")
 	}
 	token := strings.TrimSpace(os.Getenv(tokenEnv))
 	if token == "" {
-		logger.Error("vault token missing; expected Vault Agent to export token", zap.String("env", tokenEnv))
+		logger.Error("Vault token missing; expected Vault Agent to export token", zap.String("env", tokenEnv))
 		return nil, merrors.InvalidArgument("vault key manager: token env " + tokenEnv + " is not set (expected Vault Agent sink to populate it)")
 	}
 	mountPath := strings.Trim(strings.TrimSpace(cfg.MountPath), "/")
 	if mountPath == "" {
-		logger.Error("vault mount path missing")
+		logger.Error("Vault mount path missing")
 		return nil, merrors.InvalidArgument("vault key manager: mount_path is required")
 	}
 	keyPrefix := strings.Trim(strings.TrimSpace(cfg.KeyPrefix), "/")
@@ -73,7 +73,7 @@ func New(logger mlogger.Logger, cfg Config) (*Manager, error) {
 
 	client, err := api.NewClient(clientCfg)
 	if err != nil {
-		logger.Error("failed to create vault client", zap.Error(err))
+		logger.Error("Failed to create vault client", zap.Error(err))
 		return nil, merrors.Internal("vault key manager: failed to create client: " + err.Error())
 	}
 	client.SetToken(token)
@@ -94,17 +94,17 @@ func New(logger mlogger.Logger, cfg Config) (*Manager, error) {
 // CreateManagedWalletKey creates a new managed wallet key and stores it in Vault.
 func (m *Manager) CreateManagedWalletKey(ctx context.Context, walletRef string, network string) (*keymanager.ManagedWalletKey, error) {
 	if strings.TrimSpace(walletRef) == "" {
-		m.logger.Warn("walletRef missing for managed key creation", zap.String("network", network))
+		m.logger.Warn("WalletRef missing for managed key creation", zap.String("network", network))
 		return nil, merrors.InvalidArgument("vault key manager: walletRef is required")
 	}
 	if strings.TrimSpace(network) == "" {
-		m.logger.Warn("network missing for managed key creation", zap.String("wallet_ref", walletRef))
+		m.logger.Warn("Network missing for managed key creation", zap.String("wallet_ref", walletRef))
 		return nil, merrors.InvalidArgument("vault key manager: network is required")
 	}
 
 	privateKey, err := ecdsa.GenerateKey(secp256k1.S256(), rand.Reader)
 	if err != nil {
-		m.logger.Warn("failed to generate managed wallet key", zap.String("wallet_ref", walletRef), zap.String("network", network), zap.Error(err))
+		m.logger.Warn("Failed to generate managed wallet key", zap.String("wallet_ref", walletRef), zap.String("network", network), zap.Error(err))
 		return nil, merrors.Internal("vault key manager: failed to generate key: " + err.Error())
 	}
 	privateKeyBytes := crypto.FromECDSA(privateKey)
@@ -115,7 +115,7 @@ func (m *Manager) CreateManagedWalletKey(ctx context.Context, walletRef string,
 
 	err = m.persistKey(ctx, walletRef, network, privateKeyBytes, publicKeyBytes, address)
 	if err != nil {
-		m.logger.Warn("failed to persist managed wallet key", zap.String("wallet_ref", walletRef), zap.String("network", network), zap.Error(err))
+		m.logger.Warn("Failed to persist managed wallet key", zap.String("wallet_ref", walletRef), zap.String("network", network), zap.Error(err))
 		zeroBytes(privateKeyBytes)
 		zeroBytes(publicKeyBytes)
 		return nil, err
@@ -123,7 +123,7 @@ func (m *Manager) CreateManagedWalletKey(ctx context.Context, walletRef string,
 	zeroBytes(privateKeyBytes)
 	zeroBytes(publicKeyBytes)
 
-	m.logger.Info("managed wallet key created",
+	m.logger.Info("Managed wallet key created",
 		zap.String("wallet_ref", walletRef),
 		zap.String("network", network),
 		zap.String("address", strings.ToLower(address)),
@@ -158,43 +158,43 @@ func (m *Manager) buildKeyID(network, walletRef string) string {
 // SignTransaction loads the key material from Vault and signs the transaction.
 func (m *Manager) SignTransaction(ctx context.Context, keyID string, tx *types.Transaction, chainID *big.Int) (*types.Transaction, error) {
 	if strings.TrimSpace(keyID) == "" {
-		m.logger.Warn("signing failed: empty key id")
+		m.logger.Warn("Signing failed: empty key id")
 		return nil, merrors.InvalidArgument("vault key manager: keyID is required")
 	}
 	if tx == nil {
-		m.logger.Warn("signing failed: nil transaction", zap.String("key_id", keyID))
+		m.logger.Warn("Signing failed: nil transaction", zap.String("key_id", keyID))
 		return nil, merrors.InvalidArgument("vault key manager: transaction is nil")
 	}
 	if chainID == nil {
-		m.logger.Warn("signing failed: nil chain id", zap.String("key_id", keyID))
+		m.logger.Warn("Signing failed: nil chain id", zap.String("key_id", keyID))
 		return nil, merrors.InvalidArgument("vault key manager: chainID is nil")
 	}
 
 	material, err := m.loadKey(ctx, keyID)
 	if err != nil {
-		m.logger.Warn("failed to load key material", zap.String("key_id", keyID), zap.Error(err))
+		m.logger.Warn("Failed to load key material", zap.String("key_id", keyID), zap.Error(err))
 		return nil, err
 	}
 
 	keyBytes, err := hex.DecodeString(material.PrivateKey)
 	if err != nil {
-		m.logger.Warn("invalid key material", zap.String("key_id", keyID), zap.Error(err))
+		m.logger.Warn("Invalid key material", zap.String("key_id", keyID), zap.Error(err))
 		return nil, merrors.Internal("vault key manager: invalid key material: " + err.Error())
 	}
 	defer zeroBytes(keyBytes)
 
 	privateKey, err := crypto.ToECDSA(keyBytes)
 	if err != nil {
-		m.logger.Warn("failed to construct private key", zap.String("key_id", keyID), zap.Error(err))
+		m.logger.Warn("Failed to construct private key", zap.String("key_id", keyID), zap.Error(err))
 		return nil, merrors.Internal("vault key manager: failed to construct private key: " + err.Error())
 	}
 
 	signed, err := types.SignTx(tx, types.LatestSignerForChainID(chainID), privateKey)
 	if err != nil {
-		m.logger.Warn("failed to sign transaction", zap.String("key_id", keyID), zap.Error(err))
+		m.logger.Warn("Failed to sign transaction", zap.String("key_id", keyID), zap.Error(err))
 		return nil, merrors.Internal("vault key manager: failed to sign transaction: " + err.Error())
 	}
-	m.logger.Info("transaction signed with managed key",
+	m.logger.Info("Transaction signed with managed key",
 		zap.String("key_id", keyID),
 		zap.String("network", material.Network),
 		zap.String("tx_hash", signed.Hash().Hex()),
@@ -213,23 +213,23 @@ func (m *Manager) loadKey(ctx context.Context, keyID string) (*keyMaterial, erro
 	secretPath := strings.Trim(strings.TrimPrefix(keyID, "/"), "/")
 	secret, err := m.store.Get(ctx, secretPath)
 	if err != nil {
-		m.logger.Warn("failed to read secret", zap.String("path", secretPath), zap.Error(err))
+		m.logger.Warn("Failed to read secret", zap.String("path", secretPath), zap.Error(err))
 		return nil, merrors.Internal("vault key manager: failed to read secret at " + secretPath + ": " + err.Error())
 	}
 	if secret == nil || secret.Data == nil {
-		m.logger.Warn("secret not found", zap.String("path", secretPath))
+		m.logger.Warn("Secret not found", zap.String("path", secretPath))
 		return nil, merrors.NoData("vault key manager: secret " + secretPath + " not found")
 	}
 
 	getString := func(key string) (string, error) {
 		val, ok := secret.Data[key]
 		if !ok {
-			m.logger.Warn("secret missing field", zap.String("path", secretPath), zap.String("field", key))
+			m.logger.Warn("Secret missing field", zap.String("path", secretPath), zap.String("field", key))
 			return "", merrors.Internal("vault key manager: secret " + secretPath + " missing " + key)
 		}
 		str, ok := val.(string)
 		if !ok || strings.TrimSpace(str) == "" {
-			m.logger.Warn("secret field invalid", zap.String("path", secretPath), zap.String("field", key))
+			m.logger.Warn("Secret field invalid", zap.String("path", secretPath), zap.String("field", key))
 			return "", merrors.Internal("vault key manager: secret " + secretPath + " invalid " + key)
 		}
 		return str, nil

api/gateway/chain/internal/server/internal/serverimp.go

@@ -123,12 +123,12 @@ func (i *Imp) Start() error {
 	cl := i.logger.Named("config")
 	networkConfigs, err := resolveNetworkConfigs(cl.Named("network"), cfg.Chains)
 	if err != nil {
-		i.logger.Error("invalid chain network configuration", zap.Error(err))
+		i.logger.Error("Invalid chain network configuration", zap.Error(err))
 		return err
 	}
 	rpcClients, err := rpcclient.Prepare(context.Background(), i.logger.Named("rpc"), networkConfigs)
 	if err != nil {
-		i.logger.Error("failed to prepare rpc clients", zap.Error(err))
+		i.logger.Error("Failed to prepare rpc clients", zap.Error(err))
 		return err
 	}
 	i.rpcClients = rpcClients
@@ -166,7 +166,7 @@ func (i *Imp) Start() error {
 func (i *Imp) loadConfig() (*config, error) {
 	data, err := os.ReadFile(i.file)
 	if err != nil {
-		i.logger.Error("could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
+		i.logger.Error("Could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
 		return nil, err
 	}
 
@@ -174,7 +174,7 @@ func (i *Imp) loadConfig() (*config, error) {
 		Config: &grpcapp.Config{},
 	}
 	if err := yaml.Unmarshal(data, cfg); err != nil {
-		i.logger.Error("failed to parse configuration", zap.Error(err))
+		i.logger.Error("Failed to parse configuration", zap.Error(err))
 		return nil, err
 	}
 
@@ -198,7 +198,7 @@ func resolveNetworkConfigs(logger mlogger.Logger, chains []chainConfig) ([]gatew
 	result := make([]gatewayshared.Network, 0, len(chains))
 	for _, chain := range chains {
 		if strings.TrimSpace(chain.Name) == "" {
-			logger.Warn("skipping unnamed chain configuration")
+			logger.Warn("Skipping unnamed chain configuration")
 			continue
 		}
 		rpcURL := strings.TrimSpace(os.Getenv(chain.RPCURLEnv))
@@ -210,7 +210,7 @@ func resolveNetworkConfigs(logger mlogger.Logger, chains []chainConfig) ([]gatew
 		for _, token := range chain.Tokens {
 			symbol := strings.TrimSpace(token.Symbol)
 			if symbol == "" {
-				logger.Warn("skipping token with empty symbol", zap.String("chain", chain.Name))
+				logger.Warn("Skipping token with empty symbol", zap.String("chain", chain.Name))
 				continue
 			}
 			addr := strings.TrimSpace(token.Contract)
@@ -220,9 +220,9 @@ func resolveNetworkConfigs(logger mlogger.Logger, chains []chainConfig) ([]gatew
 			}
 			if addr == "" {
 				if env != "" {
-					logger.Warn("token contract not configured", zap.String("token", symbol), zap.String("env", env), zap.String("chain", chain.Name))
+					logger.Warn("Token contract not configured", zap.String("token", symbol), zap.String("env", env), zap.String("chain", chain.Name))
 				} else {
-					logger.Warn("token contract not configured", zap.String("token", symbol), zap.String("chain", chain.Name))
+					logger.Warn("Token contract not configured", zap.String("token", symbol), zap.String("chain", chain.Name))
 				}
 				continue
 			}
@@ -234,7 +234,7 @@ func resolveNetworkConfigs(logger mlogger.Logger, chains []chainConfig) ([]gatew
 
 		gasPolicy, err := buildGasTopUpPolicy(chain.Name, chain.GasTopUpPolicy)
 		if err != nil {
-			logger.Error("invalid gas top-up policy", zap.String("chain", chain.Name), zap.Error(err))
+			logger.Error("Invalid gas top-up policy", zap.String("chain", chain.Name), zap.Error(err))
 			return nil, err
 		}
 
@@ -322,13 +322,13 @@ func resolveServiceWallet(logger mlogger.Logger, cfg serviceWalletConfig) gatewa
 
 	if address == "" {
 		if cfg.AddressEnv != "" {
-			logger.Warn("service wallet address not configured", zap.String("env", cfg.AddressEnv))
+			logger.Warn("Service wallet address not configured", zap.String("env", cfg.AddressEnv))
 		} else {
-			logger.Warn("service wallet address not configured", zap.String("chain", cfg.Chain))
+			logger.Warn("Service wallet address not configured", zap.String("chain", cfg.Chain))
 		}
 	}
 	if privateKey == "" {
-		logger.Warn("service wallet private key not configured", zap.String("env", cfg.PrivateKeyEnv))
+		logger.Warn("Service wallet private key not configured", zap.String("env", cfg.PrivateKeyEnv))
 	}
 
 	return gatewayshared.ServiceWallet{
@@ -342,7 +342,7 @@ func resolveKeyManager(logger mlogger.Logger, cfg keymanager.Config) (keymanager
 	driver := strings.ToLower(strings.TrimSpace(string(cfg.Driver)))
 	if driver == "" {
 		err := merrors.InvalidArgument("key management driver is not configured")
-		logger.Error("key management driver missing")
+		logger.Error("Key management driver missing")
 		return nil, err
 	}
 
@@ -351,19 +351,19 @@ func resolveKeyManager(logger mlogger.Logger, cfg keymanager.Config) (keymanager
 		settings := vaultmanager.Config{}
 		if len(cfg.Settings) > 0 {
 			if err := mapstructure.Decode(cfg.Settings, &settings); err != nil {
-				logger.Error("failed to decode vault key manager settings", zap.Error(err), zap.Any("settings", cfg.Settings))
+				logger.Error("Failed to decode vault key manager settings", zap.Error(err), zap.Any("settings", cfg.Settings))
 				return nil, merrors.InvalidArgument("invalid vault key manager settings: " + err.Error())
 			}
 		}
 		manager, err := vaultmanager.New(logger, settings)
 		if err != nil {
-			logger.Error("failed to initialise vault key manager", zap.Error(err))
+			logger.Error("Failed to initialise vault key manager", zap.Error(err))
 			return nil, err
 		}
 		return manager, nil
 	default:
 		err := merrors.InvalidArgument("unsupported key management driver: " + driver)
-		logger.Error("unsupported key management driver", zap.String("driver", driver))
+		logger.Error("Unsupported key management driver", zap.String("driver", driver))
 		return nil, err
 	}
 }

api/gateway/chain/internal/service/gateway/commands/transfer/destination.go

@@ -17,21 +17,21 @@ func resolveDestination(ctx context.Context, deps Deps, dest *chainv1.TransferDe
 	managedRef := strings.TrimSpace(dest.GetManagedWalletRef())
 	external := strings.TrimSpace(dest.GetExternalAddress())
 	if managedRef != "" && external != "" {
-		deps.Logger.Warn("both managed and external destination provided")
+		deps.Logger.Warn("Both managed and external destination provided")
 		return model.TransferDestination{}, merrors.InvalidArgument("destination must be managed_wallet_ref or external_address")
 	}
 	if managedRef != "" {
 		wallet, err := deps.Storage.Wallets().Get(ctx, managedRef)
 		if err != nil {
-			deps.Logger.Warn("destination wallet lookup failed", zap.Error(err), zap.String("managed_wallet_ref", managedRef))
+			deps.Logger.Warn("Destination wallet lookup failed", zap.Error(err), zap.String("managed_wallet_ref", managedRef))
 			return model.TransferDestination{}, err
 		}
 		if !strings.EqualFold(wallet.Network, source.Network) {
-			deps.Logger.Warn("destination wallet network mismatch", zap.String("source_network", source.Network), zap.String("dest_network", wallet.Network))
+			deps.Logger.Warn("Destination wallet network mismatch", zap.String("source_network", source.Network), zap.String("dest_network", wallet.Network))
 			return model.TransferDestination{}, merrors.InvalidArgument("destination wallet network mismatch")
 		}
 		if strings.TrimSpace(wallet.DepositAddress) == "" {
-			deps.Logger.Warn("destination wallet missing deposit address", zap.String("managed_wallet_ref", managedRef))
+			deps.Logger.Warn("Destination wallet missing deposit address", zap.String("managed_wallet_ref", managedRef))
 			return model.TransferDestination{}, merrors.InvalidArgument("destination wallet missing deposit address")
 		}
 		return model.TransferDestination{
@@ -40,25 +40,26 @@ func resolveDestination(ctx context.Context, deps Deps, dest *chainv1.TransferDe
 		}, nil
 	}
 	if external == "" {
-		deps.Logger.Warn("destination external address missing")
+		deps.Logger.Warn("Destination external address missing")
 		return model.TransferDestination{}, merrors.InvalidArgument("destination is required")
 	}
 	if deps.Drivers == nil {
-		deps.Logger.Warn("chain drivers missing", zap.String("network", source.Network))
+		deps.Logger.Warn("Chain drivers missing", zap.String("network", source.Network))
 		return model.TransferDestination{}, merrors.Internal("chain drivers not configured")
 	}
 	chainDriver, err := deps.Drivers.Driver(source.Network)
 	if err != nil {
-		deps.Logger.Warn("unsupported chain driver", zap.String("network", source.Network), zap.Error(err))
+		deps.Logger.Warn("Unsupported chain driver", zap.String("network", source.Network), zap.Error(err))
 		return model.TransferDestination{}, merrors.InvalidArgument("unsupported chain for wallet")
 	}
 	normalized, err := chainDriver.NormalizeAddress(external)
 	if err != nil {
-		deps.Logger.Warn("invalid external address", zap.Error(err))
+		deps.Logger.Warn("Invalid external address", zap.Error(err))
 		return model.TransferDestination{}, err
 	}
 	return model.TransferDestination{
-		ExternalAddress: normalized,
+		ExternalAddress:         normalized,
-		Memo:            strings.TrimSpace(dest.GetMemo()),
+		ExternalAddressOriginal: external,
+		Memo:                    strings.TrimSpace(dest.GetMemo()),
 	}, nil
 }

api/gateway/chain/internal/service/gateway/commands/transfer/fee.go

@@ -34,12 +34,12 @@ func (c *estimateTransferFeeCommand) Execute(ctx context.Context, req *chainv1.E
 
 	sourceWalletRef := strings.TrimSpace(req.GetSourceWalletRef())
 	if sourceWalletRef == "" {
-		c.deps.Logger.Warn("source wallet ref missing")
+		c.deps.Logger.Warn("Source wallet ref missing")
 		return gsresponse.InvalidArgument[chainv1.EstimateTransferFeeResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("source_wallet_ref is required"))
 	}
 	amount := req.GetAmount()
 	if amount == nil || strings.TrimSpace(amount.GetAmount()) == "" || strings.TrimSpace(amount.GetCurrency()) == "" {
-		c.deps.Logger.Warn("amount missing or incomplete")
+		c.deps.Logger.Warn("Amount missing or incomplete")
 		return gsresponse.InvalidArgument[chainv1.EstimateTransferFeeResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("amount is required"))
 	}
 

api/gateway/chain/internal/service/gateway/commands/transfer/gas_topup.go

@@ -29,22 +29,22 @@ func NewComputeGasTopUp(deps Deps) *computeGasTopUpCommand {
 
 func (c *computeGasTopUpCommand) Execute(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) gsresponse.Responder[chainv1.ComputeGasTopUpResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if req == nil {
-		c.deps.Logger.Warn("nil request")
+		c.deps.Logger.Warn("Nil request")
 		return gsresponse.InvalidArgument[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("request is required"))
 	}
 
 	walletRef := strings.TrimSpace(req.GetWalletRef())
 	if walletRef == "" {
-		c.deps.Logger.Warn("wallet ref missing")
+		c.deps.Logger.Warn("Wallet ref missing")
 		return gsresponse.InvalidArgument[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("wallet_ref is required"))
 	}
 	estimatedFee := req.GetEstimatedTotalFee()
 	if estimatedFee == nil || strings.TrimSpace(estimatedFee.GetAmount()) == "" || strings.TrimSpace(estimatedFee.GetCurrency()) == "" {
-		c.deps.Logger.Warn("estimated fee missing")
+		c.deps.Logger.Warn("Estimated fee missing")
 		return gsresponse.InvalidArgument[chainv1.ComputeGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("estimated_total_fee is required"))
 	}
 
@@ -71,37 +71,37 @@ func NewEnsureGasTopUp(deps Deps) *ensureGasTopUpCommand {
 
 func (c *ensureGasTopUpCommand) Execute(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) gsresponse.Responder[chainv1.EnsureGasTopUpResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if req == nil {
-		c.deps.Logger.Warn("nil request")
+		c.deps.Logger.Warn("Nil request")
 		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("request is required"))
 	}
 
 	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
 	if idempotencyKey == "" {
-		c.deps.Logger.Warn("idempotency key missing")
+		c.deps.Logger.Warn("Idempotency key missing")
 		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("idempotency_key is required"))
 	}
 	organizationRef := strings.TrimSpace(req.GetOrganizationRef())
 	if organizationRef == "" {
-		c.deps.Logger.Warn("organization ref missing")
+		c.deps.Logger.Warn("Organization ref missing")
 		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("organization_ref is required"))
 	}
 	sourceWalletRef := strings.TrimSpace(req.GetSourceWalletRef())
 	if sourceWalletRef == "" {
-		c.deps.Logger.Warn("source wallet ref missing")
+		c.deps.Logger.Warn("Source wallet ref missing")
 		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("source_wallet_ref is required"))
 	}
 	targetWalletRef := strings.TrimSpace(req.GetTargetWalletRef())
 	if targetWalletRef == "" {
-		c.deps.Logger.Warn("target wallet ref missing")
+		c.deps.Logger.Warn("Target wallet ref missing")
 		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("target_wallet_ref is required"))
 	}
 	estimatedFee := req.GetEstimatedTotalFee()
 	if estimatedFee == nil || strings.TrimSpace(estimatedFee.GetAmount()) == "" || strings.TrimSpace(estimatedFee.GetCurrency()) == "" {
-		c.deps.Logger.Warn("estimated fee missing")
+		c.deps.Logger.Warn("Estimated fee missing")
 		return gsresponse.InvalidArgument[chainv1.EnsureGasTopUpResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("estimated_total_fee is required"))
 	}
 
@@ -268,7 +268,7 @@ func logDecision(logger mlogger.Logger, walletRef string, estimatedFee *moneyv1.
 			zap.String("operation_type", decision.OperationType),
 		)
 	}
-	logger.Info("gas top-up decision", fields...)
+	logger.Info("Gas top-up decision", fields...)
 }
 
 func amountString(m *moneyv1.Money) string {

api/gateway/chain/internal/service/gateway/commands/transfer/get.go

@@ -22,25 +22,25 @@ func NewGetTransfer(deps Deps) *getTransferCommand {
 
 func (c *getTransferCommand) Execute(ctx context.Context, req *chainv1.GetTransferRequest) gsresponse.Responder[chainv1.GetTransferResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.GetTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if req == nil {
-		c.deps.Logger.Warn("nil request")
+		c.deps.Logger.Warn("Nil request")
 		return gsresponse.InvalidArgument[chainv1.GetTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("nil request"))
 	}
 	transferRef := strings.TrimSpace(req.GetTransferRef())
 	if transferRef == "" {
-		c.deps.Logger.Warn("transfer_ref missing")
+		c.deps.Logger.Warn("Transfer_ref missing")
 		return gsresponse.InvalidArgument[chainv1.GetTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("transfer_ref is required"))
 	}
 	transfer, err := c.deps.Storage.Transfers().Get(ctx, transferRef)
 	if err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			c.deps.Logger.Warn("not found", zap.String("transfer_ref", transferRef))
+			c.deps.Logger.Warn("Not found", zap.String("transfer_ref", transferRef))
 			return gsresponse.NotFound[chainv1.GetTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 		}
-		c.deps.Logger.Warn("storage get failed", zap.Error(err), zap.String("transfer_ref", transferRef))
+		c.deps.Logger.Warn("Storage get failed", zap.Error(err), zap.String("transfer_ref", transferRef))
 		return gsresponse.Auto[chainv1.GetTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	return gsresponse.Success(&chainv1.GetTransferResponse{Transfer: toProtoTransfer(transfer)})

api/gateway/chain/internal/service/gateway/commands/transfer/list.go

@@ -23,7 +23,7 @@ func NewListTransfers(deps Deps) *listTransfersCommand {
 
 func (c *listTransfersCommand) Execute(ctx context.Context, req *chainv1.ListTransfersRequest) gsresponse.Responder[chainv1.ListTransfersResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.ListTransfersResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	filter := model.TransferFilter{}
@@ -41,7 +41,7 @@ func (c *listTransfersCommand) Execute(ctx context.Context, req *chainv1.ListTra
 
 	result, err := c.deps.Storage.Transfers().List(ctx, filter)
 	if err != nil {
-		c.deps.Logger.Warn("storage list failed", zap.Error(err))
+		c.deps.Logger.Warn("Storage list failed", zap.Error(err))
 		return gsresponse.Auto[chainv1.ListTransfersResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 

api/gateway/chain/internal/service/gateway/commands/transfer/submit.go

@@ -25,88 +25,88 @@ func NewSubmitTransfer(deps Deps) *submitTransferCommand {
 
 func (c *submitTransferCommand) Execute(ctx context.Context, req *chainv1.SubmitTransferRequest) gsresponse.Responder[chainv1.SubmitTransferResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if req == nil {
-		c.deps.Logger.Warn("nil request")
+		c.deps.Logger.Warn("Nil request")
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("nil request"))
 	}
 
 	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
 	if idempotencyKey == "" {
-		c.deps.Logger.Warn("missing idempotency key")
+		c.deps.Logger.Warn("Missing idempotency key")
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("idempotency_key is required"))
 	}
 	organizationRef := strings.TrimSpace(req.GetOrganizationRef())
 	if organizationRef == "" {
-		c.deps.Logger.Warn("missing organization ref")
+		c.deps.Logger.Warn("Missing organization ref")
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("organization_ref is required"))
 	}
 	sourceWalletRef := strings.TrimSpace(req.GetSourceWalletRef())
 	if sourceWalletRef == "" {
-		c.deps.Logger.Warn("missing source wallet ref")
+		c.deps.Logger.Warn("Missing source wallet ref")
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("source_wallet_ref is required"))
 	}
 	amount := req.GetAmount()
 	if amount == nil {
-		c.deps.Logger.Warn("missing amount")
+		c.deps.Logger.Warn("Missing amount")
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("amount is required"))
 	}
 	amountCurrency := strings.ToUpper(strings.TrimSpace(amount.GetCurrency()))
 	if amountCurrency == "" {
-		c.deps.Logger.Warn("missing amount currency")
+		c.deps.Logger.Warn("Missing amount currency")
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("amount.currency is required"))
 	}
 	amountValue := strings.TrimSpace(amount.GetAmount())
 	if amountValue == "" {
-		c.deps.Logger.Warn("missing amount value")
+		c.deps.Logger.Warn("Missing amount value")
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("amount.amount is required"))
 	}
 
 	sourceWallet, err := c.deps.Storage.Wallets().Get(ctx, sourceWalletRef)
 	if err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			c.deps.Logger.Warn("source wallet not found", zap.String("source_wallet_ref", sourceWalletRef))
+			c.deps.Logger.Warn("Source wallet not found", zap.String("source_wallet_ref", sourceWalletRef))
 			return gsresponse.NotFound[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 		}
-		c.deps.Logger.Warn("storage get wallet failed", zap.Error(err), zap.String("source_wallet_ref", sourceWalletRef))
+		c.deps.Logger.Warn("Storage get wallet failed", zap.Error(err), zap.String("source_wallet_ref", sourceWalletRef))
 		return gsresponse.Auto[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if !strings.EqualFold(sourceWallet.OrganizationRef, organizationRef) {
-		c.deps.Logger.Warn("organization mismatch", zap.String("wallet_org", sourceWallet.OrganizationRef), zap.String("req_org", organizationRef))
+		c.deps.Logger.Warn("Organization mismatch", zap.String("wallet_org", sourceWallet.OrganizationRef), zap.String("req_org", organizationRef))
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("organization_ref mismatch with wallet"))
 	}
 	networkKey := strings.ToLower(strings.TrimSpace(sourceWallet.Network))
 	networkCfg, ok := c.deps.Networks.Network(networkKey)
 	if !ok {
-		c.deps.Logger.Warn("unsupported chain", zap.String("network", networkKey))
+		c.deps.Logger.Warn("Unsupported chain", zap.String("network", networkKey))
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("unsupported chain for wallet"))
 	}
 
 	destination, err := resolveDestination(ctx, c.deps, req.GetDestination(), sourceWallet)
 	if err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			c.deps.Logger.Warn("destination not found", zap.String("destination_wallet_ref", req.GetDestination().GetManagedWalletRef()))
+			c.deps.Logger.Warn("Destination not found", zap.String("destination_wallet_ref", req.GetDestination().GetManagedWalletRef()))
 			return gsresponse.NotFound[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 		}
-		c.deps.Logger.Warn("invalid destination", zap.Error(err))
+		c.deps.Logger.Warn("Invalid destination", zap.Error(err))
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 
 	fees, feeSum, err := convertFees(req.GetFees(), amountCurrency)
 	if err != nil {
-		c.deps.Logger.Warn("fee conversion failed", zap.Error(err))
+		c.deps.Logger.Warn("Fee conversion failed", zap.Error(err))
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	amountDec, err := decimal.NewFromString(amountValue)
 	if err != nil {
-		c.deps.Logger.Warn("invalid amount", zap.Error(err))
+		c.deps.Logger.Warn("Invalid amount", zap.Error(err))
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("invalid amount"))
 	}
 	netDec := amountDec.Sub(feeSum)
 	if netDec.IsNegative() {
-		c.deps.Logger.Warn("fees exceed amount", zap.String("amount", amountValue), zap.String("fee_sum", feeSum.String()))
+		c.deps.Logger.Warn("Fees exceed amount", zap.String("amount", amountValue), zap.String("fee_sum", feeSum.String()))
 		return gsresponse.InvalidArgument[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("fees exceed amount"))
 	}
 
@@ -141,10 +141,10 @@ func (c *submitTransferCommand) Execute(ctx context.Context, req *chainv1.Submit
 	saved, err := c.deps.Storage.Transfers().Create(ctx, transfer)
 	if err != nil {
 		if errors.Is(err, merrors.ErrDataConflict) {
-			c.deps.Logger.Debug("transfer already exists", zap.String("transfer_ref", transfer.TransferRef), zap.String("idempotency_key", idempotencyKey))
+			c.deps.Logger.Debug("Transfer already exists", zap.String("transfer_ref", transfer.TransferRef), zap.String("idempotency_key", idempotencyKey))
 			return gsresponse.Success(&chainv1.SubmitTransferResponse{Transfer: toProtoTransfer(saved)})
 		}
-		c.deps.Logger.Warn("storage create failed", zap.Error(err), zap.String("transfer_ref", transfer.TransferRef))
+		c.deps.Logger.Warn("Storage create failed", zap.Error(err), zap.String("transfer_ref", transfer.TransferRef))
 		return gsresponse.Auto[chainv1.SubmitTransferResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 

api/gateway/chain/internal/service/gateway/commands/wallet/balance.go

@@ -29,41 +29,41 @@ func NewGetWalletBalance(deps Deps) *getWalletBalanceCommand {
 
 func (c *getWalletBalanceCommand) Execute(ctx context.Context, req *chainv1.GetWalletBalanceRequest) gsresponse.Responder[chainv1.GetWalletBalanceResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if req == nil {
-		c.deps.Logger.Warn("nil request")
+		c.deps.Logger.Warn("Nil request")
 		return gsresponse.InvalidArgument[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("nil request"))
 	}
 	walletRef := strings.TrimSpace(req.GetWalletRef())
 	if walletRef == "" {
-		c.deps.Logger.Warn("wallet_ref missing")
+		c.deps.Logger.Warn("Wallet_ref missing")
 		return gsresponse.InvalidArgument[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("wallet_ref is required"))
 	}
 	wallet, err := c.deps.Storage.Wallets().Get(ctx, walletRef)
 	if err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			c.deps.Logger.Warn("not found", zap.String("wallet_ref", walletRef))
+			c.deps.Logger.Warn("Not found", zap.String("wallet_ref", walletRef))
 			return gsresponse.NotFound[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, err)
 		}
-		c.deps.Logger.Warn("storage get failed", zap.Error(err), zap.String("wallet_ref", walletRef))
+		c.deps.Logger.Warn("Storage get failed", zap.Error(err), zap.String("wallet_ref", walletRef))
 		return gsresponse.Auto[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 
 	tokenBalance, nativeBalance, chainErr := OnChainWalletBalances(ctx, c.deps, wallet)
 	if chainErr != nil {
-		c.deps.Logger.Warn("on-chain balance fetch failed, attempting cached balance", zap.Error(chainErr), zap.String("wallet_ref", walletRef))
+		c.deps.Logger.Warn("On-chain balance fetch failed, attempting cached balance", zap.Error(chainErr), zap.String("wallet_ref", walletRef))
 		stored, err := c.deps.Storage.Wallets().GetBalance(ctx, walletRef)
 		if err != nil {
 			if errors.Is(err, merrors.ErrNoData) {
-				c.deps.Logger.Warn("cached balance not found", zap.String("wallet_ref", walletRef))
+				c.deps.Logger.Warn("Cached balance not found", zap.String("wallet_ref", walletRef))
 				return gsresponse.Auto[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, chainErr)
 			}
 			return gsresponse.Auto[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, err)
 		}
 		if c.isCachedBalanceStale(stored) {
-			c.deps.Logger.Warn("cached balance is stale",
+			c.deps.Logger.Info("Cached balance is stale",
 				zap.String("wallet_ref", walletRef),
 				zap.Time("calculated_at", stored.CalculatedAt),
 				zap.Duration("ttl", c.cacheTTL()),
@@ -116,7 +116,7 @@ func (c *getWalletBalanceCommand) persistCachedBalance(ctx context.Context, wall
 	record.PendingInbound = zeroMoney(currency)
 	record.PendingOutbound = zeroMoney(currency)
 	if err := c.deps.Storage.Wallets().SaveBalance(ctx, record); err != nil {
-		c.deps.Logger.Warn("failed to cache wallet balance", zap.String("wallet_ref", walletRef), zap.Error(err))
+		c.deps.Logger.Warn("Failed to cache wallet balance", zap.String("wallet_ref", walletRef), zap.Error(err))
 	}
 }
 

api/gateway/chain/internal/service/gateway/commands/wallet/create.go

@@ -25,59 +25,59 @@ func NewCreateManagedWallet(deps Deps) *createManagedWalletCommand {
 
 func (c *createManagedWalletCommand) Execute(ctx context.Context, req *chainv1.CreateManagedWalletRequest) gsresponse.Responder[chainv1.CreateManagedWalletResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if req == nil {
-		c.deps.Logger.Warn("nil request")
+		c.deps.Logger.Warn("Nil request")
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("nil request"))
 	}
 
 	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
 	if idempotencyKey == "" {
-		c.deps.Logger.Warn("missing idempotency key")
+		c.deps.Logger.Warn("Missing idempotency key")
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("idempotency_key is required"))
 	}
 	organizationRef := strings.TrimSpace(req.GetOrganizationRef())
 	if organizationRef == "" {
-		c.deps.Logger.Warn("missing organization ref")
+		c.deps.Logger.Warn("Missing organization ref")
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("organization_ref is required"))
 	}
 	ownerRef := strings.TrimSpace(req.GetOwnerRef())
 	if ownerRef == "" {
-		c.deps.Logger.Warn("missing owner ref")
+		c.deps.Logger.Warn("Missing owner ref")
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("owner_ref is required"))
 	}
 
 	asset := req.GetAsset()
 	if asset == nil {
-		c.deps.Logger.Warn("missing asset")
+		c.deps.Logger.Warn("Missing asset")
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("asset is required"))
 	}
 
 	chainKey, _ := shared.ChainKeyFromEnum(asset.GetChain())
 	if chainKey == "" {
-		c.deps.Logger.Warn("unsupported chain", zap.Any("chain", asset.GetChain()))
+		c.deps.Logger.Warn("Unsupported chain", zap.Any("chain", asset.GetChain()))
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("unsupported chain"))
 	}
 	networkCfg, ok := c.deps.Networks.Network(chainKey)
 	if !ok {
-		c.deps.Logger.Warn("unsupported chain in config", zap.String("chain", chainKey))
+		c.deps.Logger.Warn("Unsupported chain in config", zap.String("chain", chainKey))
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("unsupported chain"))
 	}
 	if c.deps.Drivers == nil {
-		c.deps.Logger.Warn("chain drivers missing", zap.String("chain", chainKey))
+		c.deps.Logger.Warn("Chain drivers missing", zap.String("chain", chainKey))
 		return gsresponse.Internal[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.Internal("chain drivers not configured"))
 	}
 	chainDriver, err := c.deps.Drivers.Driver(chainKey)
 	if err != nil {
-		c.deps.Logger.Warn("unsupported chain driver", zap.String("chain", chainKey), zap.Error(err))
+		c.deps.Logger.Warn("Unsupported chain driver", zap.String("chain", chainKey), zap.Error(err))
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("unsupported chain"))
 	}
 
 	tokenSymbol := strings.ToUpper(strings.TrimSpace(asset.GetTokenSymbol()))
 	if tokenSymbol == "" {
-		c.deps.Logger.Warn("missing token symbol")
+		c.deps.Logger.Warn("Missing token symbol")
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("asset.token_symbol is required"))
 	}
 	contractAddress := strings.ToLower(strings.TrimSpace(asset.GetContractAddress()))
@@ -85,7 +85,7 @@ func (c *createManagedWalletCommand) Execute(ctx context.Context, req *chainv1.C
 		if !strings.EqualFold(tokenSymbol, networkCfg.NativeToken) {
 			contractAddress = shared.ResolveContractAddress(networkCfg.TokenConfigs, tokenSymbol)
 			if contractAddress == "" {
-				c.deps.Logger.Warn("unsupported token", zap.String("token", tokenSymbol), zap.String("chain", chainKey))
+				c.deps.Logger.Warn("Unsupported token", zap.String("token", tokenSymbol), zap.String("chain", chainKey))
 				return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("unsupported token for chain"))
 			}
 		}
@@ -93,22 +93,22 @@ func (c *createManagedWalletCommand) Execute(ctx context.Context, req *chainv1.C
 
 	walletRef := shared.GenerateWalletRef()
 	if c.deps.KeyManager == nil {
-		c.deps.Logger.Warn("key manager missing")
+		c.deps.Logger.Warn("Key manager missing")
 		return gsresponse.Internal[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.Internal("key manager not configured"))
 	}
 
 	keyInfo, err := c.deps.KeyManager.CreateManagedWalletKey(ctx, walletRef, chainKey)
 	if err != nil {
-		c.deps.Logger.Warn("key manager error", zap.Error(err))
+		c.deps.Logger.Warn("Key manager error", zap.Error(err))
 		return gsresponse.Auto[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if keyInfo == nil || strings.TrimSpace(keyInfo.Address) == "" {
-		c.deps.Logger.Warn("key manager returned empty address")
+		c.deps.Logger.Warn("Key manager returned empty address")
 		return gsresponse.Internal[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.Internal("key manager returned empty address"))
 	}
 	depositAddress, err := chainDriver.FormatAddress(keyInfo.Address)
 	if err != nil {
-		c.deps.Logger.Warn("invalid derived deposit address", zap.String("wallet_ref", walletRef), zap.Error(err))
+		c.deps.Logger.Warn("Invalid derived deposit address", zap.String("wallet_ref", walletRef), zap.Error(err))
 		return gsresponse.InvalidArgument[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 
@@ -156,10 +156,10 @@ func (c *createManagedWalletCommand) Execute(ctx context.Context, req *chainv1.C
 	created, err := c.deps.Storage.Wallets().Create(ctx, wallet)
 	if err != nil {
 		if errors.Is(err, merrors.ErrDataConflict) {
-			c.deps.Logger.Debug("wallet already exists", zap.String("wallet_ref", walletRef), zap.String("idempotency_key", idempotencyKey))
+			c.deps.Logger.Debug("Wallet already exists", zap.String("wallet_ref", walletRef), zap.String("idempotency_key", idempotencyKey))
 			return gsresponse.Success(&chainv1.CreateManagedWalletResponse{Wallet: toProtoManagedWallet(created)})
 		}
-		c.deps.Logger.Warn("storage create failed", zap.Error(err), zap.String("wallet_ref", walletRef))
+		c.deps.Logger.Warn("Storage create failed", zap.Error(err), zap.String("wallet_ref", walletRef))
 		return gsresponse.Auto[chainv1.CreateManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 

api/gateway/chain/internal/service/gateway/commands/wallet/get.go

@@ -22,25 +22,25 @@ func NewGetManagedWallet(deps Deps) *getManagedWalletCommand {
 
 func (c *getManagedWalletCommand) Execute(ctx context.Context, req *chainv1.GetManagedWalletRequest) gsresponse.Responder[chainv1.GetManagedWalletResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.GetManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	if req == nil {
-		c.deps.Logger.Warn("nil request")
+		c.deps.Logger.Warn("Nil request")
 		return gsresponse.InvalidArgument[chainv1.GetManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("nil request"))
 	}
 	walletRef := strings.TrimSpace(req.GetWalletRef())
 	if walletRef == "" {
-		c.deps.Logger.Warn("wallet_ref missing")
+		c.deps.Logger.Warn("Wallet_ref missing")
 		return gsresponse.InvalidArgument[chainv1.GetManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, merrors.InvalidArgument("wallet_ref is required"))
 	}
 	wallet, err := c.deps.Storage.Wallets().Get(ctx, walletRef)
 	if err != nil {
 		if errors.Is(err, merrors.ErrNoData) {
-			c.deps.Logger.Warn("not found", zap.String("wallet_ref", walletRef))
+			c.deps.Logger.Warn("Not found", zap.String("wallet_ref", walletRef))
 			return gsresponse.NotFound[chainv1.GetManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, err)
 		}
-		c.deps.Logger.Warn("storage get failed", zap.Error(err), zap.String("wallet_ref", walletRef))
+		c.deps.Logger.Warn("Storage get failed", zap.Error(err), zap.String("wallet_ref", walletRef))
 		return gsresponse.Auto[chainv1.GetManagedWalletResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	return gsresponse.Success(&chainv1.GetManagedWalletResponse{Wallet: toProtoManagedWallet(wallet)})

api/gateway/chain/internal/service/gateway/commands/wallet/list.go

@@ -23,7 +23,7 @@ func NewListManagedWallets(deps Deps) *listManagedWalletsCommand {
 
 func (c *listManagedWalletsCommand) Execute(ctx context.Context, req *chainv1.ListManagedWalletsRequest) gsresponse.Responder[chainv1.ListManagedWalletsResponse] {
 	if err := c.deps.EnsureRepository(ctx); err != nil {
-		c.deps.Logger.Warn("repository unavailable", zap.Error(err))
+		c.deps.Logger.Warn("Repository unavailable", zap.Error(err))
 		return gsresponse.Unavailable[chainv1.ListManagedWalletsResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 	filter := model.ManagedWalletFilter{}
@@ -42,7 +42,7 @@ func (c *listManagedWalletsCommand) Execute(ctx context.Context, req *chainv1.Li
 
 	result, err := c.deps.Storage.Wallets().List(ctx, filter)
 	if err != nil {
-		c.deps.Logger.Warn("storage list failed", zap.Error(err))
+		c.deps.Logger.Warn("Storage list failed", zap.Error(err))
 		return gsresponse.Auto[chainv1.ListManagedWalletsResponse](c.deps.Logger, mservice.ChainGateway, err)
 	}
 

api/gateway/chain/internal/service/gateway/driver/arbitrum/driver.go

@@ -27,25 +27,25 @@ func (d *Driver) Name() string {
 }
 
 func (d *Driver) FormatAddress(address string) (string, error) {
-	d.logger.Debug("format address", zap.String("address", address))
+	d.logger.Debug("Format address", zap.String("address", address))
 	normalized, err := evm.NormalizeAddress(address)
 	if err != nil {
-		d.logger.Warn("format address failed", zap.String("address", address), zap.Error(err))
+		d.logger.Warn("Format address failed", zap.String("address", address), zap.Error(err))
 	}
 	return normalized, err
 }
 
 func (d *Driver) NormalizeAddress(address string) (string, error) {
-	d.logger.Debug("normalize address", zap.String("address", address))
+	d.logger.Debug("Normalize address", zap.String("address", address))
 	normalized, err := evm.NormalizeAddress(address)
 	if err != nil {
-		d.logger.Warn("normalize address failed", zap.String("address", address), zap.Error(err))
+		d.logger.Warn("Normalize address failed", zap.String("address", address), zap.Error(err))
 	}
 	return normalized, err
 }
 
 func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error) {
-	d.logger.Debug("balance request",
+	d.logger.Debug("Balance request",
 		zap.String("wallet_ref", wallet.WalletRef),
 		zap.String("network", network.Name),
 	)
@@ -53,13 +53,13 @@ func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.N
 	driverDeps.Logger = d.logger
 	result, err := evm.Balance(ctx, driverDeps, network, wallet, wallet.DepositAddress)
 	if err != nil {
-		d.logger.Warn("balance failed",
+		d.logger.Warn("Balance failed",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.Error(err),
 		)
 	} else if result != nil {
-		d.logger.Debug("balance result",
+		d.logger.Debug("Balance result",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.String("amount", result.Amount),
@@ -70,7 +70,7 @@ func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.N
 }
 
 func (d *Driver) NativeBalance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error) {
-	d.logger.Debug("native balance request",
+	d.logger.Debug("Native balance request",
 		zap.String("wallet_ref", wallet.WalletRef),
 		zap.String("network", network.Name),
 	)
@@ -78,13 +78,13 @@ func (d *Driver) NativeBalance(ctx context.Context, deps driver.Deps, network sh
 	driverDeps.Logger = d.logger
 	result, err := evm.NativeBalance(ctx, driverDeps, network, wallet, wallet.DepositAddress)
 	if err != nil {
-		d.logger.Warn("native balance failed",
+		d.logger.Warn("Native balance failed",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.Error(err),
 		)
 	} else if result != nil {
-		d.logger.Debug("native balance result",
+		d.logger.Debug("Native balance result",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.String("amount", result.Amount),
@@ -121,7 +121,7 @@ func (d *Driver) EstimateFee(ctx context.Context, deps driver.Deps, network shar
 }
 
 func (d *Driver) SubmitTransfer(ctx context.Context, deps driver.Deps, network shared.Network, transfer *model.Transfer, source *model.ManagedWallet, destination string) (string, error) {
-	d.logger.Debug("submit transfer request",
+	d.logger.Debug("Submit transfer request",
 		zap.String("transfer_ref", transfer.TransferRef),
 		zap.String("network", network.Name),
 		zap.String("destination", destination),
@@ -130,13 +130,13 @@ func (d *Driver) SubmitTransfer(ctx context.Context, deps driver.Deps, network s
 	driverDeps.Logger = d.logger
 	txHash, err := evm.SubmitTransfer(ctx, driverDeps, network, transfer, source, source.DepositAddress, destination)
 	if err != nil {
-		d.logger.Warn("submit transfer failed",
+		d.logger.Warn("Submit transfer failed",
 			zap.String("transfer_ref", transfer.TransferRef),
 			zap.String("network", network.Name),
 			zap.Error(err),
 		)
 	} else {
-		d.logger.Debug("submit transfer result",
+		d.logger.Debug("Submit transfer result",
 			zap.String("transfer_ref", transfer.TransferRef),
 			zap.String("network", network.Name),
 			zap.String("tx_hash", txHash),
@@ -146,7 +146,7 @@ func (d *Driver) SubmitTransfer(ctx context.Context, deps driver.Deps, network s
 }
 
 func (d *Driver) AwaitConfirmation(ctx context.Context, deps driver.Deps, network shared.Network, txHash string) (*types.Receipt, error) {
-	d.logger.Debug("await confirmation",
+	d.logger.Debug("Await confirmation",
 		zap.String("tx_hash", txHash),
 		zap.String("network", network.Name),
 	)
@@ -154,13 +154,13 @@ func (d *Driver) AwaitConfirmation(ctx context.Context, deps driver.Deps, networ
 	driverDeps.Logger = d.logger
 	receipt, err := evm.AwaitConfirmation(ctx, driverDeps, network, txHash)
 	if err != nil {
-		d.logger.Warn("await confirmation failed",
+		d.logger.Warn("Await confirmation failed",
 			zap.String("tx_hash", txHash),
 			zap.String("network", network.Name),
 			zap.Error(err),
 		)
 	} else if receipt != nil {
-		d.logger.Debug("await confirmation result",
+		d.logger.Debug("Await confirmation result",
 			zap.String("tx_hash", txHash),
 			zap.String("network", network.Name),
 			zap.Uint64("block_number", receipt.BlockNumber.Uint64()),

api/gateway/chain/internal/service/gateway/driver/ethereum/driver.go

@@ -27,25 +27,25 @@ func (d *Driver) Name() string {
 }
 
 func (d *Driver) FormatAddress(address string) (string, error) {
-	d.logger.Debug("format address", zap.String("address", address))
+	d.logger.Debug("Format address", zap.String("address", address))
 	normalized, err := evm.NormalizeAddress(address)
 	if err != nil {
-		d.logger.Warn("format address failed", zap.String("address", address), zap.Error(err))
+		d.logger.Warn("Format address failed", zap.String("address", address), zap.Error(err))
 	}
 	return normalized, err
 }
 
 func (d *Driver) NormalizeAddress(address string) (string, error) {
-	d.logger.Debug("normalize address", zap.String("address", address))
+	d.logger.Debug("Normalize address", zap.String("address", address))
 	normalized, err := evm.NormalizeAddress(address)
 	if err != nil {
-		d.logger.Warn("normalize address failed", zap.String("address", address), zap.Error(err))
+		d.logger.Warn("Normalize address failed", zap.String("address", address), zap.Error(err))
 	}
 	return normalized, err
 }
 
 func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error) {
-	d.logger.Debug("balance request",
+	d.logger.Debug("Balance request",
 		zap.String("wallet_ref", wallet.WalletRef),
 		zap.String("network", network.Name),
 	)
@@ -53,13 +53,13 @@ func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.N
 	driverDeps.Logger = d.logger
 	result, err := evm.Balance(ctx, driverDeps, network, wallet, wallet.DepositAddress)
 	if err != nil {
-		d.logger.Warn("balance failed",
+		d.logger.Warn("Balance failed",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.Error(err),
 		)
 	} else if result != nil {
-		d.logger.Debug("balance result",
+		d.logger.Debug("Balance result",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.String("amount", result.Amount),
@@ -70,7 +70,7 @@ func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.N
 }
 
 func (d *Driver) NativeBalance(ctx context.Context, deps driver.Deps, network shared.Network, wallet *model.ManagedWallet) (*moneyv1.Money, error) {
-	d.logger.Debug("native balance request",
+	d.logger.Debug("Native balance request",
 		zap.String("wallet_ref", wallet.WalletRef),
 		zap.String("network", network.Name),
 	)
@@ -78,13 +78,13 @@ func (d *Driver) NativeBalance(ctx context.Context, deps driver.Deps, network sh
 	driverDeps.Logger = d.logger
 	result, err := evm.NativeBalance(ctx, driverDeps, network, wallet, wallet.DepositAddress)
 	if err != nil {
-		d.logger.Warn("native balance failed",
+		d.logger.Warn("Native balance failed",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.Error(err),
 		)
 	} else if result != nil {
-		d.logger.Debug("native balance result",
+		d.logger.Debug("Native balance result",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.String("amount", result.Amount),
@@ -121,7 +121,7 @@ func (d *Driver) EstimateFee(ctx context.Context, deps driver.Deps, network shar
 }
 
 func (d *Driver) SubmitTransfer(ctx context.Context, deps driver.Deps, network shared.Network, transfer *model.Transfer, source *model.ManagedWallet, destination string) (string, error) {
-	d.logger.Debug("submit transfer request",
+	d.logger.Debug("Submit transfer request",
 		zap.String("transfer_ref", transfer.TransferRef),
 		zap.String("network", network.Name),
 		zap.String("destination", destination),
@@ -130,13 +130,13 @@ func (d *Driver) SubmitTransfer(ctx context.Context, deps driver.Deps, network s
 	driverDeps.Logger = d.logger
 	txHash, err := evm.SubmitTransfer(ctx, driverDeps, network, transfer, source, source.DepositAddress, destination)
 	if err != nil {
-		d.logger.Warn("submit transfer failed",
+		d.logger.Warn("Submit transfer failed",
 			zap.String("transfer_ref", transfer.TransferRef),
 			zap.String("network", network.Name),
 			zap.Error(err),
 		)
 	} else {
-		d.logger.Debug("submit transfer result",
+		d.logger.Debug("Submit transfer result",
 			zap.String("transfer_ref", transfer.TransferRef),
 			zap.String("network", network.Name),
 			zap.String("tx_hash", txHash),
@@ -146,7 +146,7 @@ func (d *Driver) SubmitTransfer(ctx context.Context, deps driver.Deps, network s
 }
 
 func (d *Driver) AwaitConfirmation(ctx context.Context, deps driver.Deps, network shared.Network, txHash string) (*types.Receipt, error) {
-	d.logger.Debug("await confirmation",
+	d.logger.Debug("Await confirmation",
 		zap.String("tx_hash", txHash),
 		zap.String("network", network.Name),
 	)
@@ -154,13 +154,13 @@ func (d *Driver) AwaitConfirmation(ctx context.Context, deps driver.Deps, networ
 	driverDeps.Logger = d.logger
 	receipt, err := evm.AwaitConfirmation(ctx, driverDeps, network, txHash)
 	if err != nil {
-		d.logger.Warn("await confirmation failed",
+		d.logger.Warn("Await confirmation failed",
 			zap.String("tx_hash", txHash),
 			zap.String("network", network.Name),
 			zap.Error(err),
 		)
 	} else if receipt != nil {
-		d.logger.Debug("await confirmation result",
+		d.logger.Debug("Await confirmation result",
 			zap.String("tx_hash", txHash),
 			zap.String("network", network.Name),
 			zap.Uint64("block_number", receipt.BlockNumber.Uint64()),

api/gateway/chain/internal/service/gateway/driver/evm/estimate_gas_test.go

@@ -0,0 +1,31 @@
+package evm
+
+import (
+	"math/big"
+	"strings"
+	"testing"
+
+	"github.com/ethereum/go-ethereum"
+	"github.com/ethereum/go-ethereum/common"
+	"github.com/stretchr/testify/require"
+)
+
+func TestTronEstimateCallUsesData(t *testing.T) {
+	from := common.HexToAddress("0xfa89b4d534bdeb2713d4ffd893e79d6535fb58f8")
+	to := common.HexToAddress("0xa614f803b6fd780986a42c78ec9c7f77e6ded13c")
+	callMsg := ethereum.CallMsg{
+		From:     from,
+		To:       &to,
+		GasPrice: big.NewInt(100),
+		Data:     []byte{0xa9, 0x05, 0x9c, 0xbb},
+	}
+
+	call := tronEstimateCall(callMsg)
+
+	require.Equal(t, strings.ToLower(from.Hex()), call["from"])
+	require.Equal(t, strings.ToLower(to.Hex()), call["to"])
+	require.Equal(t, "0x64", call["gasPrice"])
+	require.Equal(t, "0xa9059cbb", call["data"])
+	_, hasInput := call["input"]
+	require.False(t, hasInput)
+}

api/gateway/chain/internal/service/gateway/driver/evm/evm.go

@@ -10,6 +10,7 @@ import (
 	"github.com/ethereum/go-ethereum"
 	"github.com/ethereum/go-ethereum/accounts/abi"
 	"github.com/ethereum/go-ethereum/common"
+	"github.com/ethereum/go-ethereum/common/hexutil"
 	"github.com/ethereum/go-ethereum/core/types"
 	"github.com/ethereum/go-ethereum/rpc"
 	"github.com/shopspring/decimal"
@@ -296,7 +297,7 @@ func EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network,
 			GasPrice: gasPrice,
 			Value:    amountBase,
 		}
-		gasLimit, err := client.EstimateGas(timeoutCtx, callMsg)
+		gasLimit, err := estimateGas(timeoutCtx, network, client, rpcClient, callMsg)
 		if err != nil {
 			logger.Warn("Failed to estimate gas", zap.Error(err), zap.Any("call_mesasge", callMsg))
 			return nil, merrors.Internal("failed to estimate gas: " + err.Error())
@@ -344,9 +345,9 @@ func EstimateFee(ctx context.Context, deps driver.Deps, network shared.Network,
 		GasPrice: gasPrice,
 		Data:     input,
 	}
-	gasLimit, err := client.EstimateGas(timeoutCtx, callMsg)
+	gasLimit, err := estimateGas(timeoutCtx, network, client, rpcClient, callMsg)
 	if err != nil {
-		logger.Warn("Failed to estimate gas", zap.Error(err), zap.Error(err), zap.Any("call_message", callMsg))
+		logger.Warn("Failed to estimate gas", zap.Error(err), zap.Any("call_message", callMsg))
 		return nil, merrors.Internal("failed to estimate gas: " + err.Error())
 	}
 
@@ -402,12 +403,12 @@ func SubmitTransfer(ctx context.Context, deps driver.Deps, network shared.Networ
 
 	client, err := registry.Client(network.Name)
 	if err != nil {
-		logger.Warn("Failed to initialise rpc client", zap.Error(err), zap.String("network", network.Name))
+		logger.Warn("Failed to initialise RPC client", zap.Error(err), zap.String("network", network.Name))
 		return "", err
 	}
 	rpcClient, err := registry.RPCClient(network.Name)
 	if err != nil {
-		logger.Warn("failed to initialise rpc client", zap.String("network", network.Name))
+		logger.Warn("Failed to initialise RPC client", zap.String("network", network.Name))
 		return "", err
 	}
 
@@ -457,7 +458,7 @@ func SubmitTransfer(ctx context.Context, deps driver.Deps, network shared.Networ
 			GasPrice: gasPrice,
 			Value:    amountInt,
 		}
-		gasLimit, err := client.EstimateGas(ctx, callMsg)
+		gasLimit, err := estimateGas(ctx, network, client, rpcClient, callMsg)
 		if err != nil {
 			logger.Warn("Failed to estimate gas", zap.Error(err),
 				zap.String("transfer_ref", transfer.TransferRef),
@@ -507,7 +508,7 @@ func SubmitTransfer(ctx context.Context, deps driver.Deps, network shared.Networ
 			GasPrice: gasPrice,
 			Data:     input,
 		}
-		gasLimit, err := client.EstimateGas(ctx, callMsg)
+		gasLimit, err := estimateGas(ctx, network, client, rpcClient, callMsg)
 		if err != nil {
 			logger.Warn("Failed to estimate gas", zap.Error(err),
 				zap.String("transfer_ref", transfer.TransferRef),
@@ -661,6 +662,63 @@ func erc20Decimals(ctx context.Context, client *rpc.Client, token common.Address
 	return val, nil
 }
 
+type gasEstimator interface {
+	EstimateGas(ctx context.Context, msg ethereum.CallMsg) (uint64, error)
+}
+
+func estimateGas(ctx context.Context, network shared.Network, client gasEstimator, rpcClient *rpc.Client, callMsg ethereum.CallMsg) (uint64, error) {
+	if isTronNetwork(network) {
+		if rpcClient == nil {
+			return 0, merrors.Internal("rpc client not initialised")
+		}
+		return estimateGasTron(ctx, rpcClient, callMsg)
+	}
+	return client.EstimateGas(ctx, callMsg)
+}
+
+func estimateGasTron(ctx context.Context, rpcClient *rpc.Client, callMsg ethereum.CallMsg) (uint64, error) {
+	call := tronEstimateCall(callMsg)
+	var hexResp string
+	if err := rpcClient.CallContext(ctx, &hexResp, "eth_estimateGas", call); err != nil {
+		return 0, err
+	}
+	val, err := shared.DecodeHexBig(hexResp)
+	if err != nil {
+		return 0, err
+	}
+	if val == nil {
+		return 0, merrors.Internal("failed to decode gas estimate")
+	}
+	return val.Uint64(), nil
+}
+
+func tronEstimateCall(callMsg ethereum.CallMsg) map[string]string {
+	call := make(map[string]string)
+	if callMsg.From != (common.Address{}) {
+		call["from"] = strings.ToLower(callMsg.From.Hex())
+	}
+	if callMsg.To != nil {
+		call["to"] = strings.ToLower(callMsg.To.Hex())
+	}
+	if callMsg.Gas > 0 {
+		call["gas"] = hexutil.EncodeUint64(callMsg.Gas)
+	}
+	if callMsg.GasPrice != nil {
+		call["gasPrice"] = hexutil.EncodeBig(callMsg.GasPrice)
+	}
+	if callMsg.Value != nil {
+		call["value"] = hexutil.EncodeBig(callMsg.Value)
+	}
+	if len(callMsg.Data) > 0 {
+		call["data"] = hexutil.Encode(callMsg.Data)
+	}
+	return call
+}
+
+func isTronNetwork(network shared.Network) bool {
+	return strings.HasPrefix(strings.ToLower(strings.TrimSpace(network.Name)), "tron")
+}
+
 func toBaseUnits(amount string, decimals uint8) (*big.Int, error) {
 	value, err := decimal.NewFromString(strings.TrimSpace(amount))
 	if err != nil {

api/gateway/chain/internal/service/gateway/driver/tron/driver.go

@@ -41,7 +41,7 @@ func (d *Driver) NormalizeAddress(address string) (string, error) {
 	d.logger.Debug("Normalize address", zap.String("address", address))
 	normalized, err := normalizeAddress(address)
 	if err != nil {
-		d.logger.Warn("normalize address failed", zap.String("address", address), zap.Error(err))
+		d.logger.Warn("Normalize address failed", zap.String("address", address), zap.Error(err))
 	}
 	return normalized, err
 }
@@ -68,7 +68,7 @@ func (d *Driver) Balance(ctx context.Context, deps driver.Deps, network shared.N
 			zap.String("network", network.Name),
 		)
 	} else if result != nil {
-		d.logger.Debug("balance result",
+		d.logger.Debug("Balance result",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.String("amount", result.Amount),
@@ -100,7 +100,7 @@ func (d *Driver) NativeBalance(ctx context.Context, deps driver.Deps, network sh
 			zap.String("network", network.Name),
 		)
 	} else if result != nil {
-		d.logger.Debug("native balance result",
+		d.logger.Debug("Native balance result",
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
 			zap.String("amount", result.Amount),
@@ -151,6 +151,10 @@ func (d *Driver) EstimateFee(ctx context.Context, deps driver.Deps, network shar
 		d.logger.Warn("Estimate fee failed", zap.Error(err),
 			zap.String("wallet_ref", wallet.WalletRef),
 			zap.String("network", network.Name),
+			zap.String("from_address", wallet.DepositAddress),
+			zap.String("from_rpc", rpcFrom),
+			zap.String("to_address", destination),
+			zap.String("to_rpc", rpcTo),
 		)
 	} else if result != nil {
 		d.logger.Debug("Estimate fee result",
@@ -192,7 +196,7 @@ func (d *Driver) SubmitTransfer(ctx context.Context, deps driver.Deps, network s
 	driverDeps.Logger = d.logger
 	txHash, err := evm.SubmitTransfer(ctx, driverDeps, network, transfer, source, rpcFrom, rpcTo)
 	if err != nil {
-		d.logger.Warn("submit transfer failed", zap.Error(err),
+		d.logger.Warn("Submit transfer failed", zap.Error(err),
 			zap.String("transfer_ref", transfer.TransferRef),
 			zap.String("network", network.Name),
 		)

api/gateway/chain/internal/service/gateway/drivers/registry.go

@@ -32,7 +32,7 @@ func NewRegistry(logger mlogger.Logger, networks []shared.Network) (*Registry, e
 		}
 		chainDriver, err := resolveDriver(logger, name)
 		if err != nil {
-			logger.Error("unsupported chain driver", zap.String("network", name), zap.Error(err))
+			logger.Error("Unsupported chain driver", zap.String("network", name), zap.Error(err))
 			return nil, err
 		}
 		result.byNetwork[name] = chainDriver
@@ -40,7 +40,7 @@ func NewRegistry(logger mlogger.Logger, networks []shared.Network) (*Registry, e
 	if len(result.byNetwork) == 0 {
 		return nil, merrors.InvalidArgument("driver registry: no supported networks configured")
 	}
-	logger.Info("chain drivers configured", zap.Int("count", len(result.byNetwork)))
+	logger.Info("Chain drivers configured", zap.Int("count", len(result.byNetwork)))
 	return result, nil
 }
 

api/gateway/chain/internal/service/gateway/executor.go

@@ -47,32 +47,32 @@ type onChainExecutor struct {
 
 func (o *onChainExecutor) SubmitTransfer(ctx context.Context, transfer *model.Transfer, source *model.ManagedWallet, destinationAddress string, network shared.Network) (string, error) {
 	if o.keyManager == nil {
-		o.logger.Warn("key manager not configured")
+		o.logger.Warn("Key manager not configured")
 		return "", executorInternal("key manager is not configured", nil)
 	}
 	rpcURL := strings.TrimSpace(network.RPCURL)
 	if rpcURL == "" {
-		o.logger.Warn("network rpc url missing", zap.String("network", network.Name))
+		o.logger.Warn("Network rpc url missing", zap.String("network", network.Name))
 		return "", executorInvalid("network rpc url is not configured")
 	}
 	if source == nil || transfer == nil {
-		o.logger.Warn("transfer context missing")
+		o.logger.Warn("Transfer context missing")
 		return "", executorInvalid("transfer context missing")
 	}
 	if strings.TrimSpace(source.KeyReference) == "" {
-		o.logger.Warn("source wallet missing key reference", zap.String("wallet_ref", source.WalletRef))
+		o.logger.Warn("Source wallet missing key reference", zap.String("wallet_ref", source.WalletRef))
 		return "", executorInvalid("source wallet missing key reference")
 	}
 	if strings.TrimSpace(source.DepositAddress) == "" {
-		o.logger.Warn("source wallet missing deposit address", zap.String("wallet_ref", source.WalletRef))
+		o.logger.Warn("Source wallet missing deposit address", zap.String("wallet_ref", source.WalletRef))
 		return "", executorInvalid("source wallet missing deposit address")
 	}
 	if !common.IsHexAddress(destinationAddress) {
-		o.logger.Warn("invalid destination address", zap.String("transfer_ref", transfer.TransferRef), zap.String("address", destinationAddress))
+		o.logger.Warn("Invalid destination address", zap.String("transfer_ref", transfer.TransferRef), zap.String("address", destinationAddress))
 		return "", executorInvalid("invalid destination address " + destinationAddress)
 	}
 
-	o.logger.Info("submitting transfer",
+	o.logger.Info("Submitting transfer",
 		zap.String("transfer_ref", transfer.TransferRef),
 		zap.String("source_wallet_ref", source.WalletRef),
 		zap.String("network", network.Name),
@@ -162,7 +162,7 @@ func (o *onChainExecutor) SubmitTransfer(ctx context.Context, transfer *model.Tr
 
 	input, err := erc20ABI.Pack("transfer", destination, amountInt)
 	if err != nil {
-		o.logger.Warn("failed to encode transfer call",
+		o.logger.Warn("Failed to encode transfer call",
 			zap.String("transfer_ref", transfer.TransferRef),
 			zap.Error(err),
 		)

api/gateway/chain/internal/service/gateway/rpcclient/clients.go

@@ -49,14 +49,14 @@ func Prepare(ctx context.Context, logger mlogger.Logger, networks []shared.Netwo
 		if rpcURL == "" {
 			result.Close()
 			err := merrors.InvalidArgument(fmt.Sprintf("rpc url not configured for network %s", name))
-			clientLogger.Warn("rpc url missing", zap.String("network", name))
+			clientLogger.Warn("Rpc url missing", zap.String("network", name))
 			return nil, err
 		}
 
 		fields := []zap.Field{
 			zap.String("network", name),
 		}
-		clientLogger.Info("initialising rpc client", fields...)
+		clientLogger.Info("Initialising rpc client", fields...)
 
 		dialCtx, cancel := context.WithTimeout(ctx, 15*time.Second)
 		httpClient := &http.Client{
@@ -181,8 +181,11 @@ func (l *loggingRoundTripper) RoundTrip(req *http.Request) (*http.Response, erro
 	if len(bodyBytes) > 0 {
 		respFields = append(respFields, zap.String("rpc_response", truncate(string(bodyBytes), 2048)))
 	}
+	l.logger.Debug("RPC response", respFields...)
 	if resp.StatusCode >= 400 {
 		l.logger.Warn("RPC response error", respFields...)
+	} else if len(bodyBytes) == 0 {
+		l.logger.Warn("RPC response empty body", respFields...)
 	} else if len(bodyBytes) > 0 && !json.Valid(bodyBytes) {
 		l.logger.Warn("RPC response invalid JSON", respFields...)
 	}

api/gateway/chain/internal/service/gateway/transfer_execution.go

@@ -41,7 +41,7 @@ func (s *Service) executeTransfer(ctx context.Context, transferRef, sourceWallet
 	}
 
 	if _, err := s.storage.Transfers().UpdateStatus(ctx, transferRef, model.TransferStatusSigning, "", ""); err != nil {
-		s.logger.Warn("failed to update transfer status to signing", zap.String("transfer_ref", transferRef), zap.Error(err))
+		s.logger.Warn("Failed to update transfer status to signing", zap.String("transfer_ref", transferRef), zap.Error(err))
 	}
 
 	driverDeps := s.driverDeps()
@@ -81,7 +81,7 @@ func (s *Service) executeTransfer(ctx context.Context, transferRef, sourceWallet
 	}
 
 	if _, err := s.storage.Transfers().UpdateStatus(ctx, transferRef, model.TransferStatusSubmitted, "", txHash); err != nil {
-		s.logger.Warn("failed to update transfer status to submitted", zap.String("transfer_ref", transferRef), zap.Error(err))
+		s.logger.Warn("Failed to update transfer status to submitted", zap.String("transfer_ref", transferRef), zap.Error(err))
 	}
 
 	receiptCtx, cancel := context.WithTimeout(ctx, 10*time.Minute)
@@ -89,20 +89,20 @@ func (s *Service) executeTransfer(ctx context.Context, transferRef, sourceWallet
 	receipt, err := chainDriver.AwaitConfirmation(receiptCtx, driverDeps, network, txHash)
 	if err != nil {
 		if !errors.Is(err, context.DeadlineExceeded) && !errors.Is(err, context.Canceled) {
-			s.logger.Warn("failed to await transfer confirmation", zap.String("transfer_ref", transferRef), zap.Error(err))
+			s.logger.Warn("Failed to await transfer confirmation", zap.String("transfer_ref", transferRef), zap.Error(err))
 		}
 		return err
 	}
 
 	if receipt != nil && receipt.Status == types.ReceiptStatusSuccessful {
 		if _, err := s.storage.Transfers().UpdateStatus(ctx, transferRef, model.TransferStatusConfirmed, "", txHash); err != nil {
-			s.logger.Warn("failed to update transfer status to confirmed", zap.String("transfer_ref", transferRef), zap.Error(err))
+			s.logger.Warn("Failed to update transfer status to confirmed", zap.String("transfer_ref", transferRef), zap.Error(err))
 		}
 		return nil
 	}
 
 	if _, err := s.storage.Transfers().UpdateStatus(ctx, transferRef, model.TransferStatusFailed, "transaction reverted", txHash); err != nil {
-		s.logger.Warn("failed to update transfer status to failed", zap.String("transfer_ref", transferRef), zap.Error(err))
+		s.logger.Warn("Failed to update transfer status to failed", zap.String("transfer_ref", transferRef), zap.Error(err))
 	}
 	return nil
 }

api/gateway/chain/storage/model/transfer.go

@@ -28,9 +28,10 @@ type ServiceFee struct {
 }
 
 type TransferDestination struct {
-	ManagedWalletRef string `bson:"managedWalletRef,omitempty" json:"managedWalletRef,omitempty"`
+	ManagedWalletRef        string `bson:"managedWalletRef,omitempty" json:"managedWalletRef,omitempty"`
-	ExternalAddress  string `bson:"externalAddress,omitempty" json:"externalAddress,omitempty"`
+	ExternalAddress         string `bson:"externalAddress,omitempty" json:"externalAddress,omitempty"`
-	Memo             string `bson:"memo,omitempty" json:"memo,omitempty"`
+	ExternalAddressOriginal string `bson:"externalAddressOriginal,omitempty" json:"externalAddressOriginal,omitempty"`
+	Memo                    string `bson:"memo,omitempty" json:"memo,omitempty"`
 }
 
 // Transfer models an on-chain transfer orchestrated by the gateway.
@@ -85,7 +86,8 @@ func (t *Transfer) Normalize() {
 	t.TokenSymbol = strings.TrimSpace(strings.ToUpper(t.TokenSymbol))
 	t.ContractAddress = strings.TrimSpace(strings.ToLower(t.ContractAddress))
 	t.Destination.ManagedWalletRef = strings.TrimSpace(t.Destination.ManagedWalletRef)
-	t.Destination.ExternalAddress = strings.TrimSpace(strings.ToLower(t.Destination.ExternalAddress))
+	t.Destination.ExternalAddress = normalizeWalletAddress(t.Destination.ExternalAddress)
+	t.Destination.ExternalAddressOriginal = strings.TrimSpace(t.Destination.ExternalAddressOriginal)
 	t.Destination.Memo = strings.TrimSpace(t.Destination.Memo)
 	t.ClientReference = strings.TrimSpace(t.ClientReference)
 }

api/gateway/chain/storage/model/transfer_test.go

@@ -0,0 +1,50 @@
+package model
+
+import (
+	"strings"
+	"testing"
+)
+
+func TestTransferNormalizePreservesBase58ExternalAddress(t *testing.T) {
+	address := "TGBDXEg9rxSqGFJDcb889zqTjDwx1bmLRF"
+	transfer := &Transfer{
+		IdempotencyKey:  "idemp",
+		TransferRef:     "ref",
+		OrganizationRef: "org",
+		SourceWalletRef: "wallet",
+		Network:         "tron_mainnet",
+		TokenSymbol:     "USDT",
+		Destination: TransferDestination{
+			ExternalAddress:         address,
+			ExternalAddressOriginal: address,
+		},
+	}
+
+	transfer.Normalize()
+
+	if transfer.Destination.ExternalAddress != address {
+		t.Fatalf("expected external address to preserve case, got %q", transfer.Destination.ExternalAddress)
+	}
+	if transfer.Destination.ExternalAddressOriginal != address {
+		t.Fatalf("expected external address original to preserve case, got %q", transfer.Destination.ExternalAddressOriginal)
+	}
+}
+
+func TestTransferNormalizeLowercasesHexExternalAddress(t *testing.T) {
+	address := "0xAABBCCDDEEFF00112233445566778899AABBCCDD"
+	transfer := &Transfer{
+		Destination: TransferDestination{
+			ExternalAddress:         address,
+			ExternalAddressOriginal: address,
+		},
+	}
+
+	transfer.Normalize()
+
+	if transfer.Destination.ExternalAddress != strings.ToLower(address) {
+		t.Fatalf("expected hex external address to be lowercased, got %q", transfer.Destination.ExternalAddress)
+	}
+	if transfer.Destination.ExternalAddressOriginal != address {
+		t.Fatalf("expected external address original to preserve case, got %q", transfer.Destination.ExternalAddressOriginal)
+	}
+}

api/gateway/chain/storage/mongo/repository.go

@@ -44,23 +44,23 @@ func New(logger mlogger.Logger, conn *db.MongoConnection) (*Store, error) {
 	defer cancel()
 
 	if err := result.Ping(ctx); err != nil {
-		result.logger.Error("mongo ping failed during repository initialisation", zap.Error(err))
+		result.logger.Error("Mongo ping failed during repository initialisation", zap.Error(err))
 		return nil, err
 	}
 
 	walletsStore, err := store.NewWallets(result.logger, result.db)
 	if err != nil {
-		result.logger.Error("failed to initialise wallets store", zap.Error(err))
+		result.logger.Error("Failed to initialise wallets store", zap.Error(err))
 		return nil, err
 	}
 	transfersStore, err := store.NewTransfers(result.logger, result.db)
 	if err != nil {
-		result.logger.Error("failed to initialise transfers store", zap.Error(err))
+		result.logger.Error("Failed to initialise transfers store", zap.Error(err))
 		return nil, err
 	}
 	depositsStore, err := store.NewDeposits(result.logger, result.db)
 	if err != nil {
-		result.logger.Error("failed to initialise deposits store", zap.Error(err))
+		result.logger.Error("Failed to initialise deposits store", zap.Error(err))
 		return nil, err
 	}
 

api/gateway/chain/storage/mongo/store/deposits.go

@@ -48,13 +48,13 @@ func NewDeposits(logger mlogger.Logger, db *mongo.Database) (*Deposits, error) {
 	}
 	for _, def := range indexes {
 		if err := repo.CreateIndex(def); err != nil {
-			logger.Error("failed to ensure deposit index", zap.Error(err), zap.String("collection", repo.Collection()))
+			logger.Error("Failed to ensure deposit index", zap.Error(err), zap.String("collection", repo.Collection()))
 			return nil, err
 		}
 	}
 
 	childLogger := logger.Named("deposits")
-	childLogger.Debug("deposits store initialised")
+	childLogger.Debug("Deposits store initialised")
 
 	return &Deposits{logger: childLogger, repo: repo}, nil
 }

api/gateway/chain/storage/mongo/store/transfers.go

@@ -53,13 +53,13 @@ func NewTransfers(logger mlogger.Logger, db *mongo.Database) (*Transfers, error)
 	}
 	for _, def := range indexes {
 		if err := repo.CreateIndex(def); err != nil {
-			logger.Error("failed to ensure transfer index", zap.Error(err), zap.String("collection", repo.Collection()))
+			logger.Error("Failed to ensure transfer index", zap.Error(err), zap.String("collection", repo.Collection()))
 			return nil, err
 		}
 	}
 
 	childLogger := logger.Named("transfers")
-	childLogger.Debug("transfers store initialised")
+	childLogger.Debug("Transfers store initialised")
 
 	return &Transfers{
 		logger: childLogger,
@@ -89,12 +89,12 @@ func (t *Transfers) Create(ctx context.Context, transfer *model.Transfer) (*mode
 	}
 	if err := t.repo.Insert(ctx, transfer, repository.Filter("idempotencyKey", transfer.IdempotencyKey)); err != nil {
 		if errors.Is(err, merrors.ErrDataConflict) {
-			t.logger.Debug("transfer already exists", zap.String("transfer_ref", transfer.TransferRef), zap.String("idempotency_key", transfer.IdempotencyKey))
+			t.logger.Debug("Transfer already exists", zap.String("transfer_ref", transfer.TransferRef), zap.String("idempotency_key", transfer.IdempotencyKey))
 			return transfer, nil
 		}
 		return nil, err
 	}
-	t.logger.Debug("transfer created", zap.String("transfer_ref", transfer.TransferRef))
+	t.logger.Debug("Transfer created", zap.String("transfer_ref", transfer.TransferRef))
 	return transfer, nil
 }
 
@@ -126,7 +126,7 @@ func (t *Transfers) List(ctx context.Context, filter model.TransferFilter) (*mod
 		if oid, err := primitive.ObjectIDFromHex(cursor); err == nil {
 			query = query.Comparison(repository.IDField(), builder.Gt, oid)
 		} else {
-			t.logger.Warn("ignoring invalid transfer cursor", zap.String("cursor", cursor), zap.Error(err))
+			t.logger.Warn("Ignoring invalid transfer cursor", zap.String("cursor", cursor), zap.Error(err))
 		}
 	}
 

api/gateway/chain/storage/mongo/store/wallets.go

@@ -56,7 +56,7 @@ func NewWallets(logger mlogger.Logger, db *mongo.Database) (*Wallets, error) {
 	}
 	for _, def := range walletIndexes {
 		if err := walletRepo.CreateIndex(def); err != nil {
-			logger.Error("failed to ensure wallet index", zap.String("collection", walletRepo.Collection()), zap.Error(err))
+			logger.Error("Failed to ensure wallet index", zap.String("collection", walletRepo.Collection()), zap.Error(err))
 			return nil, err
 		}
 	}
@@ -70,13 +70,13 @@ func NewWallets(logger mlogger.Logger, db *mongo.Database) (*Wallets, error) {
 	}
 	for _, def := range balanceIndexes {
 		if err := balanceRepo.CreateIndex(def); err != nil {
-			logger.Error("failed to ensure wallet balance index", zap.String("collection", balanceRepo.Collection()), zap.Error(err))
+			logger.Error("Failed to ensure wallet balance index", zap.String("collection", balanceRepo.Collection()), zap.Error(err))
 			return nil, err
 		}
 	}
 
 	childLogger := logger.Named("wallets")
-	childLogger.Debug("wallet stores initialised")
+	childLogger.Debug("Wallet stores initialised")
 
 	return &Wallets{
 		logger:      childLogger,
@@ -99,24 +99,49 @@ func (w *Wallets) Create(ctx context.Context, wallet *model.ManagedWallet) (*mod
 	if strings.TrimSpace(wallet.IdempotencyKey) == "" {
 		return nil, merrors.InvalidArgument("walletsStore: empty idempotencyKey")
 	}
+	fields := []zap.Field{
+		zap.String("wallet_ref", wallet.WalletRef),
+		zap.String("idempotency_key", wallet.IdempotencyKey),
+	}
+	if wallet.OrganizationRef != "" {
+		fields = append(fields, zap.String("organization_ref", wallet.OrganizationRef))
+	}
+	if wallet.OwnerRef != "" {
+		fields = append(fields, zap.String("owner_ref", wallet.OwnerRef))
+	}
+	if wallet.Network != "" {
+		fields = append(fields, zap.String("network", wallet.Network))
+	}
+	if wallet.TokenSymbol != "" {
+		fields = append(fields, zap.String("token_symbol", wallet.TokenSymbol))
+	}
 	if err := w.walletRepo.Insert(ctx, wallet, repository.Filter("idempotencyKey", wallet.IdempotencyKey)); err != nil {
 		if errors.Is(err, merrors.ErrDataConflict) {
-			w.logger.Debug("wallet already exists", zap.String("wallet_ref", wallet.WalletRef), zap.String("idempotency_key", wallet.IdempotencyKey))
+			w.logger.Debug("Wallet already exists", fields...)
 			return wallet, nil
 		}
+		w.logger.Warn("Wallet create failed", append(fields, zap.Error(err))...)
 		return nil, err
 	}
-	w.logger.Debug("wallet created", zap.String("wallet_ref", wallet.WalletRef))
+	w.logger.Debug("Wallet created", fields...)
 	return wallet, nil
 }
 
-func (w *Wallets) Get(ctx context.Context, walletRef string) (*model.ManagedWallet, error) {
+func (w *Wallets) Get(ctx context.Context, walletID string) (*model.ManagedWallet, error) {
-	walletRef = strings.TrimSpace(walletRef)
+	walletID = strings.TrimSpace(walletID)
-	if walletRef == "" {
+	if walletID == "" {
 		return nil, merrors.InvalidArgument("walletsStore: empty walletRef")
 	}
+	fields := []zap.Field{
+		zap.String("wallet_id", walletID),
+	}
 	wallet := &model.ManagedWallet{}
-	if err := w.walletRepo.FindOneByFilter(ctx, repository.Filter("walletRef", walletRef), wallet); err != nil {
+	if err := w.walletRepo.FindOneByFilter(ctx, repository.Filter("walletRef", walletID), wallet); err != nil {
+		if errors.Is(err, merrors.ErrNoData) {
+			w.logger.Debug("Wallet not found", fields...)
+		} else {
+			w.logger.Warn("Wallet lookup failed", append(fields, zap.Error(err))...)
+		}
 		return nil, err
 	}
 	return wallet, nil
@@ -124,29 +149,38 @@ func (w *Wallets) Get(ctx context.Context, walletRef string) (*model.ManagedWall
 
 func (w *Wallets) List(ctx context.Context, filter model.ManagedWalletFilter) (*model.ManagedWalletList, error) {
 	query := repository.Query()
+	fields := make([]zap.Field, 0, 6)
 
 	if org := strings.TrimSpace(filter.OrganizationRef); org != "" {
 		query = query.Filter(repository.Field("organizationRef"), org)
+		fields = append(fields, zap.String("organization_ref", org))
 	}
 	if owner := strings.TrimSpace(filter.OwnerRef); owner != "" {
 		query = query.Filter(repository.Field("ownerRef"), owner)
+		fields = append(fields, zap.String("owner_ref", owner))
 	}
 	if network := strings.TrimSpace(filter.Network); network != "" {
-		query = query.Filter(repository.Field("network"), strings.ToLower(network))
+		normalized := strings.ToLower(network)
+		query = query.Filter(repository.Field("network"), normalized)
+		fields = append(fields, zap.String("network", normalized))
 	}
 	if token := strings.TrimSpace(filter.TokenSymbol); token != "" {
-		query = query.Filter(repository.Field("tokenSymbol"), strings.ToUpper(token))
+		normalized := strings.ToUpper(token)
+		query = query.Filter(repository.Field("tokenSymbol"), normalized)
+		fields = append(fields, zap.String("token_symbol", normalized))
 	}
 
 	if cursor := strings.TrimSpace(filter.Cursor); cursor != "" {
 		if oid, err := primitive.ObjectIDFromHex(cursor); err == nil {
 			query = query.Comparison(repository.IDField(), builder.Gt, oid)
+			fields = append(fields, zap.String("cursor", cursor))
 		} else {
-			w.logger.Warn("ignoring invalid wallet cursor", zap.String("cursor", cursor), zap.Error(err))
+			w.logger.Warn("Ignoring invalid wallet cursor", zap.String("cursor", cursor), zap.Error(err))
 		}
 	}
 
 	limit := sanitizeWalletLimit(filter.Limit)
+	fields = append(fields, zap.Int64("limit", limit))
 	fetchLimit := limit + 1
 	query = query.Sort(repository.IDField(), true).Limit(&fetchLimit)
 
@@ -160,8 +194,10 @@ func (w *Wallets) List(ctx context.Context, filter model.ManagedWalletFilter) (*
 		return nil
 	}
 
-	if err := w.walletRepo.FindManyByFilter(ctx, query, decoder); err != nil && !errors.Is(err, merrors.ErrNoData) {
+	listErr := w.walletRepo.FindManyByFilter(ctx, query, decoder)
-		return nil, err
+	if listErr != nil && !errors.Is(listErr, merrors.ErrNoData) {
+		w.logger.Warn("Wallet list failed", append(fields, zap.Error(listErr))...)
+		return nil, listErr
 	}
 
 	nextCursor := ""
@@ -171,10 +207,21 @@ func (w *Wallets) List(ctx context.Context, filter model.ManagedWalletFilter) (*
 		wallets = wallets[:len(wallets)-1]
 	}
 
-	return &model.ManagedWalletList{
+	result := &model.ManagedWalletList{
 		Items:      wallets,
 		NextCursor: nextCursor,
-	}, nil
+	}
+
+	fields = append(fields,
+		zap.Int("count", len(result.Items)),
+		zap.String("next_cursor", result.NextCursor),
+	)
+	if errors.Is(listErr, merrors.ErrNoData) {
+		w.logger.Debug("Wallet list empty", fields...)
+	} else {
+		w.logger.Debug("Wallet list fetched", fields...)
+	}
+	return result, nil
 }
 
 func (w *Wallets) SaveBalance(ctx context.Context, balance *model.WalletBalance) error {
@@ -188,6 +235,7 @@ func (w *Wallets) SaveBalance(ctx context.Context, balance *model.WalletBalance)
 	if balance.CalculatedAt.IsZero() {
 		balance.CalculatedAt = time.Now().UTC()
 	}
+	fields := []zap.Field{zap.String("wallet_ref", balance.WalletRef)}
 
 	existing := &model.WalletBalance{}
 	err := w.balanceRepo.FindOneByFilter(ctx, repository.Filter("walletRef", balance.WalletRef), existing)
@@ -198,28 +246,40 @@ func (w *Wallets) SaveBalance(ctx context.Context, balance *model.WalletBalance)
 		existing.PendingOutbound = balance.PendingOutbound
 		existing.CalculatedAt = balance.CalculatedAt
 		if err := w.balanceRepo.Update(ctx, existing); err != nil {
+			w.logger.Warn("Wallet balance update failed", append(fields, zap.Error(err))...)
 			return err
 		}
+		w.logger.Debug("Wallet balance updated", fields...)
 		return nil
 	case errors.Is(err, merrors.ErrNoData):
 		if err := w.balanceRepo.Insert(ctx, balance, repository.Filter("walletRef", balance.WalletRef)); err != nil {
+			w.logger.Warn("Wallet balance create failed", append(fields, zap.Error(err))...)
 			return err
 		}
+		w.logger.Debug("Wallet balance created", fields...)
 		return nil
 	default:
+		w.logger.Warn("Wallet balance lookup failed", append(fields, zap.Error(err))...)
 		return err
 	}
 }
 
-func (w *Wallets) GetBalance(ctx context.Context, walletRef string) (*model.WalletBalance, error) {
+func (w *Wallets) GetBalance(ctx context.Context, walletID string) (*model.WalletBalance, error) {
-	walletRef = strings.TrimSpace(walletRef)
+	walletID = strings.TrimSpace(walletID)
-	if walletRef == "" {
+	if walletID == "" {
 		return nil, merrors.InvalidArgument("walletsStore: empty walletRef")
 	}
+	fields := []zap.Field{zap.String("wallet_ref", walletID)}
 	balance := &model.WalletBalance{}
-	if err := w.balanceRepo.FindOneByFilter(ctx, repository.Filter("walletRef", walletRef), balance); err != nil {
+	if err := w.balanceRepo.FindOneByFilter(ctx, repository.Filter("walletRef", walletID), balance); err != nil {
+		if errors.Is(err, merrors.ErrNoData) {
+			w.logger.Debug("Wallet balance not found", fields...)
+		} else {
+			w.logger.Warn("Wallet balance lookup failed", append(fields, zap.Error(err))...)
+		}
 		return nil, err
 	}
+	w.logger.Debug("Wallet balance fetched", fields...)
 	return balance, nil
 }
 

api/gateway/mntx/internal/server/internal/serverimp.go

@@ -95,22 +95,49 @@ func (i *Imp) Shutdown() {
 }
 
 func (i *Imp) Start() error {
+	i.logger.Info("Starting Monetix gateway", zap.String("config_file", i.file), zap.Bool("debug", i.debug))
+
 	cfg, err := i.loadConfig()
 	if err != nil {
 		return err
 	}
 	i.config = cfg
 
+	i.logger.Info("Configuration loaded",
+		zap.String("grpc_address", cfg.GRPC.Address),
+		zap.String("metrics_address", cfg.Metrics.Address),
+	)
+
 	monetixCfg, err := i.resolveMonetixConfig(cfg.Monetix)
 	if err != nil {
+		i.logger.Error("Failed to resolve Monetix configuration", zap.Error(err))
 		return err
 	}
 
 	callbackCfg, err := i.resolveCallbackConfig(cfg.HTTP.Callback)
 	if err != nil {
+		i.logger.Error("Failed to resolve callback configuration", zap.Error(err))
 		return err
 	}
 
+	i.logger.Info("Monetix configuration resolved",
+		zap.Bool("base_url_set", strings.TrimSpace(monetixCfg.BaseURL) != ""),
+		zap.Int64("project_id", monetixCfg.ProjectID),
+		zap.Bool("secret_key_set", strings.TrimSpace(monetixCfg.SecretKey) != ""),
+		zap.Int("allowed_currencies", len(monetixCfg.AllowedCurrencies)),
+		zap.Bool("require_customer_address", monetixCfg.RequireCustomerAddress),
+		zap.Duration("request_timeout", monetixCfg.RequestTimeout),
+		zap.String("status_success", monetixCfg.SuccessStatus()),
+		zap.String("status_processing", monetixCfg.ProcessingStatus()),
+	)
+
+	i.logger.Info("Callback configuration resolved",
+		zap.String("address", callbackCfg.Address),
+		zap.String("path", callbackCfg.Path),
+		zap.Int("allowed_cidrs", len(callbackCfg.AllowedCIDRs)),
+		zap.Int64("max_body_bytes", callbackCfg.MaxBodyBytes),
+	)
+
 	serviceFactory := func(logger mlogger.Logger, _ struct{}, producer msg.Producer) (grpcapp.Service, error) {
 		svc := mntxservice.NewService(logger,
 			mntxservice.WithProducer(producer),
@@ -137,7 +164,7 @@ func (i *Imp) Start() error {
 func (i *Imp) loadConfig() (*config, error) {
 	data, err := os.ReadFile(i.file)
 	if err != nil {
-		i.logger.Error("could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
+		i.logger.Error("Could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
 		return nil, err
 	}
 
@@ -145,7 +172,7 @@ func (i *Imp) loadConfig() (*config, error) {
 		Config: &grpcapp.Config{},
 	}
 	if err := yaml.Unmarshal(data, cfg); err != nil {
-		i.logger.Error("failed to parse configuration", zap.Error(err))
+		i.logger.Error("Failed to parse configuration", zap.Error(err))
 		return nil, err
 	}
 
@@ -245,7 +272,7 @@ func (i *Imp) resolveCallbackConfig(cfg callbackConfig) (callbackRuntimeConfig,
 		}
 		_, block, err := net.ParseCIDR(clean)
 		if err != nil {
-			i.logger.Warn("invalid callback allowlist CIDR skipped", zap.String("cidr", clean), zap.Error(err))
+			i.logger.Warn("Invalid callback allowlist CIDR skipped", zap.String("cidr", clean), zap.Error(err))
 			continue
 		}
 		cidrs = append(cidrs, block)
@@ -270,20 +297,36 @@ func (i *Imp) startHTTPCallbackServer(svc *mntxservice.Service, cfg callbackRunt
 
 	router := chi.NewRouter()
 	router.Post(cfg.Path, func(w http.ResponseWriter, r *http.Request) {
+		log := i.logger.Named("callback_http")
+		log.Debug("Callback request received",
+			zap.String("remote_addr", strings.TrimSpace(r.RemoteAddr)),
+			zap.String("path", r.URL.Path),
+			zap.String("method", r.Method),
+		)
+
 		if len(cfg.AllowedCIDRs) > 0 && !clientAllowed(r, cfg.AllowedCIDRs) {
+			ip := clientIPFromRequest(r)
+			remoteIP := ""
+			if ip != nil {
+				remoteIP = ip.String()
+			}
+			log.Warn("Callback rejected by CIDR allowlist", zap.String("remote_ip", remoteIP))
 			http.Error(w, "forbidden", http.StatusForbidden)
 			return
 		}
 		body, err := io.ReadAll(io.LimitReader(r.Body, cfg.MaxBodyBytes))
 		if err != nil {
+			log.Warn("Callback body read failed", zap.Error(err))
 			http.Error(w, "failed to read body", http.StatusBadRequest)
 			return
 		}
 		status, err := svc.ProcessMonetixCallback(r.Context(), body)
 		if err != nil {
+			log.Warn("Callback processing failed", zap.Error(err), zap.Int("status", status))
 			http.Error(w, err.Error(), status)
 			return
 		}
+		log.Debug("Callback processed", zap.Int("status", status))
 		w.WriteHeader(status)
 	})
 
@@ -301,7 +344,7 @@ func (i *Imp) startHTTPCallbackServer(svc *mntxservice.Service, cfg callbackRunt
 
 	go func() {
 		if err := server.Serve(ln); err != nil && !errors.Is(err, http.ErrServerClosed) {
-			i.logger.Error("Monetix callback server stopped with error", zap.Error(err))
+			i.logger.Warn("Monetix callback server stopped with error", zap.Error(err))
 		}
 	}()
 

api/gateway/mntx/internal/server/internal/serverimp_test.go

@@ -0,0 +1,52 @@
+package serverimp
+
+import (
+	"net"
+	"net/http"
+	"testing"
+)
+
+func TestClientIPFromRequest(t *testing.T) {
+	req := &http.Request{
+		Header:     http.Header{"X-Forwarded-For": []string{"1.2.3.4, 5.6.7.8"}},
+		RemoteAddr: "9.8.7.6:1234",
+	}
+	ip := clientIPFromRequest(req)
+	if ip == nil || ip.String() != "1.2.3.4" {
+		t.Fatalf("expected forwarded ip, got %v", ip)
+	}
+
+	req = &http.Request{RemoteAddr: "9.8.7.6:1234"}
+	ip = clientIPFromRequest(req)
+	if ip == nil || ip.String() != "9.8.7.6" {
+		t.Fatalf("expected remote addr ip, got %v", ip)
+	}
+
+	req = &http.Request{RemoteAddr: "invalid"}
+	ip = clientIPFromRequest(req)
+	if ip != nil {
+		t.Fatalf("expected nil ip, got %v", ip)
+	}
+}
+
+func TestClientAllowed(t *testing.T) {
+	_, cidr, err := net.ParseCIDR("10.0.0.0/8")
+	if err != nil {
+		t.Fatalf("failed to parse cidr: %v", err)
+	}
+
+	allowedReq := &http.Request{RemoteAddr: "10.1.2.3:1234"}
+	if !clientAllowed(allowedReq, []*net.IPNet{cidr}) {
+		t.Fatalf("expected allowed request")
+	}
+
+	deniedReq := &http.Request{RemoteAddr: "8.8.8.8:1234"}
+	if clientAllowed(deniedReq, []*net.IPNet{cidr}) {
+		t.Fatalf("expected denied request")
+	}
+
+	openReq := &http.Request{RemoteAddr: "8.8.8.8:1234"}
+	if !clientAllowed(openReq, nil) {
+		t.Fatalf("expected allow when no cidrs are configured")
+	}
+}

api/gateway/mntx/internal/service/gateway/callback.go

@@ -10,6 +10,7 @@ import (
 	clockpkg "github.com/tech/sendico/pkg/clock"
 	"github.com/tech/sendico/pkg/merrors"
 	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
 	"google.golang.org/protobuf/types/known/timestamppb"
 )
 
@@ -66,9 +67,12 @@ type monetixCallback struct {
 
 // ProcessMonetixCallback ingests Monetix provider callbacks and updates payout state.
 func (s *Service) ProcessMonetixCallback(ctx context.Context, payload []byte) (int, error) {
+	log := s.logger.Named("callback")
 	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
 		return http.StatusInternalServerError, merrors.Internal("card payout processor not initialised")
 	}
+	log.Debug("Callback processing requested", zap.Int("payload_bytes", len(payload)))
 	return s.card.ProcessCallback(ctx, payload)
 }
 

api/gateway/mntx/internal/service/gateway/callback_test.go

@@ -0,0 +1,130 @@
+package gateway
+
+import (
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+type fixedClock struct {
+	now time.Time
+}
+
+func (f fixedClock) Now() time.Time {
+	return f.now
+}
+
+func baseCallback() monetixCallback {
+	cb := monetixCallback{
+		ProjectID: 42,
+	}
+	cb.Payment.ID = "payout-1"
+	cb.Payment.Status = "success"
+	cb.Payment.Sum.Amount = 5000
+	cb.Payment.Sum.Currency = "usd"
+	cb.Customer.ID = "cust-1"
+	cb.Operation.Status = "success"
+	cb.Operation.Code = ""
+	cb.Operation.Message = "ok"
+	cb.Operation.RequestID = "req-1"
+	cb.Operation.Provider.PaymentID = "prov-1"
+	return cb
+}
+
+func TestMapCallbackToState_StatusMapping(t *testing.T) {
+	now := time.Date(2024, 1, 2, 3, 4, 5, 0, time.UTC)
+	cfg := monetix.DefaultConfig()
+
+	cases := []struct {
+		name           string
+		paymentStatus  string
+		operationStatus string
+		code           string
+		expectedStatus mntxv1.PayoutStatus
+		expectedOutcome string
+	}{
+		{
+			name:            "success",
+			paymentStatus:   "success",
+			operationStatus: "success",
+			code:            "0",
+			expectedStatus:  mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED,
+			expectedOutcome: monetix.OutcomeSuccess,
+		},
+		{
+			name:            "processing",
+			paymentStatus:   "processing",
+			operationStatus: "success",
+			code:            "",
+			expectedStatus:  mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
+			expectedOutcome: monetix.OutcomeProcessing,
+		},
+		{
+			name:            "decline",
+			paymentStatus:   "failed",
+			operationStatus: "failed",
+			code:            "1",
+			expectedStatus:  mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED,
+			expectedOutcome: monetix.OutcomeDecline,
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			cb := baseCallback()
+			cb.Payment.Status = tc.paymentStatus
+			cb.Operation.Status = tc.operationStatus
+			cb.Operation.Code = tc.code
+
+			state, outcome := mapCallbackToState(fixedClock{now: now}, cfg, cb)
+			if state.Status != tc.expectedStatus {
+				t.Fatalf("expected status %v, got %v", tc.expectedStatus, state.Status)
+			}
+			if outcome != tc.expectedOutcome {
+				t.Fatalf("expected outcome %q, got %q", tc.expectedOutcome, outcome)
+			}
+			if state.Currency != "USD" {
+				t.Fatalf("expected currency USD, got %q", state.Currency)
+			}
+			if !state.UpdatedAt.AsTime().Equal(now) {
+				t.Fatalf("expected updated_at %v, got %v", now, state.UpdatedAt.AsTime())
+			}
+		})
+	}
+}
+
+func TestFallbackProviderPaymentID(t *testing.T) {
+	cb := baseCallback()
+	if got := fallbackProviderPaymentID(cb); got != "prov-1" {
+		t.Fatalf("expected provider payment id, got %q", got)
+	}
+	cb.Operation.Provider.PaymentID = ""
+	if got := fallbackProviderPaymentID(cb); got != "req-1" {
+		t.Fatalf("expected request id fallback, got %q", got)
+	}
+	cb.Operation.RequestID = ""
+	if got := fallbackProviderPaymentID(cb); got != "payout-1" {
+		t.Fatalf("expected payment id fallback, got %q", got)
+	}
+}
+
+func TestVerifyCallbackSignature(t *testing.T) {
+	secret := "secret"
+	cb := baseCallback()
+
+	sig, err := monetix.SignPayload(cb, secret)
+	if err != nil {
+		t.Fatalf("failed to sign payload: %v", err)
+	}
+	cb.Signature = sig
+	if err := verifyCallbackSignature(cb, secret); err != nil {
+		t.Fatalf("expected valid signature, got %v", err)
+	}
+
+	cb.Signature = "invalid"
+	if err := verifyCallbackSignature(cb, secret); err == nil {
+		t.Fatalf("expected signature mismatch error")
+	}
+}

api/gateway/mntx/internal/service/gateway/card_payout_handlers.go

@@ -9,6 +9,7 @@ import (
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mservice"
 	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
 	"google.golang.org/protobuf/proto"
 )
 
@@ -17,14 +18,24 @@ func (s *Service) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRe
 }
 
 func (s *Service) handleCreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) gsresponse.Responder[mntxv1.CardPayoutResponse] {
+	log := s.logger.Named("card_payout")
+	log.Info("Create card payout request received",
+		zap.String("payout_id", strings.TrimSpace(req.GetPayoutId())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+		zap.Int64("amount_minor", req.GetAmountMinor()),
+		zap.String("currency", strings.ToUpper(strings.TrimSpace(req.GetCurrency()))),
+	)
 	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
 		return gsresponse.Internal[mntxv1.CardPayoutResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
 	}
 
 	resp, err := s.card.Submit(ctx, req)
 	if err != nil {
+		log.Warn("Card payout submission failed", zap.Error(err))
 		return gsresponse.Auto[mntxv1.CardPayoutResponse](s.logger, mservice.MntxGateway, err)
 	}
+	log.Info("Card payout submission completed", zap.String("payout_id", resp.GetPayout().GetPayoutId()), zap.Bool("accepted", resp.GetAccepted()))
 	return gsresponse.Success(resp)
 }
 
@@ -33,14 +44,24 @@ func (s *Service) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTok
 }
 
 func (s *Service) handleCreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) gsresponse.Responder[mntxv1.CardTokenPayoutResponse] {
+	log := s.logger.Named("card_token_payout")
+	log.Info("Create card token payout request received",
+		zap.String("payout_id", strings.TrimSpace(req.GetPayoutId())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+		zap.Int64("amount_minor", req.GetAmountMinor()),
+		zap.String("currency", strings.ToUpper(strings.TrimSpace(req.GetCurrency()))),
+	)
 	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
 		return gsresponse.Internal[mntxv1.CardTokenPayoutResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
 	}
 
 	resp, err := s.card.SubmitToken(ctx, req)
 	if err != nil {
+		log.Warn("Card token payout submission failed", zap.Error(err))
 		return gsresponse.Auto[mntxv1.CardTokenPayoutResponse](s.logger, mservice.MntxGateway, err)
 	}
+	log.Info("Card token payout submission completed", zap.String("payout_id", resp.GetPayout().GetPayoutId()), zap.Bool("accepted", resp.GetAccepted()))
 	return gsresponse.Success(resp)
 }
 
@@ -49,14 +70,22 @@ func (s *Service) CreateCardToken(ctx context.Context, req *mntxv1.CardTokenizeR
 }
 
 func (s *Service) handleCreateCardToken(ctx context.Context, req *mntxv1.CardTokenizeRequest) gsresponse.Responder[mntxv1.CardTokenizeResponse] {
+	log := s.logger.Named("card_tokenize")
+	log.Info("Create card token request received",
+		zap.String("request_id", strings.TrimSpace(req.GetRequestId())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+	)
 	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
 		return gsresponse.Internal[mntxv1.CardTokenizeResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
 	}
 
 	resp, err := s.card.Tokenize(ctx, req)
 	if err != nil {
+		log.Warn("Card tokenization failed", zap.Error(err))
 		return gsresponse.Auto[mntxv1.CardTokenizeResponse](s.logger, mservice.MntxGateway, err)
 	}
+	log.Info("Card tokenization completed", zap.String("request_id", resp.GetRequestId()), zap.Bool("success", resp.GetSuccess()))
 	return gsresponse.Success(resp)
 }
 
@@ -65,14 +94,19 @@ func (s *Service) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPa
 }
 
 func (s *Service) handleGetCardPayoutStatus(_ context.Context, req *mntxv1.GetCardPayoutStatusRequest) gsresponse.Responder[mntxv1.GetCardPayoutStatusResponse] {
+	log := s.logger.Named("card_payout_status")
+	log.Info("Get card payout status request received", zap.String("payout_id", strings.TrimSpace(req.GetPayoutId())))
 	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
 		return gsresponse.Internal[mntxv1.GetCardPayoutStatusResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
 	}
 
 	state, err := s.card.Status(context.Background(), req.GetPayoutId())
 	if err != nil {
+		log.Warn("Card payout status lookup failed", zap.Error(err))
 		return gsresponse.Auto[mntxv1.GetCardPayoutStatusResponse](s.logger, mservice.MntxGateway, err)
 	}
+	log.Info("Card payout status retrieved", zap.String("payout_id", state.GetPayoutId()), zap.String("status", state.GetStatus().String()))
 	return gsresponse.Success(&mntxv1.GetCardPayoutStatusResponse{Payout: state})
 }
 

api/gateway/mntx/internal/service/gateway/card_payout_validation_test.go

@@ -0,0 +1,103 @@
+package gateway
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func TestValidateCardPayoutRequest_Valid(t *testing.T) {
+	cfg := testMonetixConfig()
+	req := validCardPayoutRequest()
+	if err := validateCardPayoutRequest(req, cfg); err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+}
+
+func TestValidateCardPayoutRequest_Errors(t *testing.T) {
+	baseCfg := testMonetixConfig()
+	cases := []struct {
+		name     string
+		mutate   func(*mntxv1.CardPayoutRequest)
+		config   func(monetix.Config) monetix.Config
+		expected string
+	}{
+		{
+			name:     "missing_payout_id",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.PayoutId = "" },
+			expected: "missing_payout_id",
+		},
+		{
+			name:     "missing_customer_id",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CustomerId = "" },
+			expected: "missing_customer_id",
+		},
+		{
+			name:     "missing_customer_ip",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CustomerIp = "" },
+			expected: "missing_customer_ip",
+		},
+		{
+			name:     "invalid_amount",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.AmountMinor = 0 },
+			expected: "invalid_amount",
+		},
+		{
+			name:     "missing_currency",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.Currency = "" },
+			expected: "missing_currency",
+		},
+		{
+			name:   "unsupported_currency",
+			mutate: func(r *mntxv1.CardPayoutRequest) { r.Currency = "EUR" },
+			config: func(cfg monetix.Config) monetix.Config {
+				cfg.AllowedCurrencies = []string{"USD"}
+				return cfg
+			},
+			expected: "unsupported_currency",
+		},
+		{
+			name:     "missing_card_pan",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CardPan = "" },
+			expected: "missing_card_pan",
+		},
+		{
+			name:     "missing_card_holder",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CardHolder = "" },
+			expected: "missing_card_holder",
+		},
+		{
+			name:     "invalid_expiry_month",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CardExpMonth = 13 },
+			expected: "invalid_expiry_month",
+		},
+		{
+			name:     "invalid_expiry_year",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CardExpYear = 0 },
+			expected: "invalid_expiry_year",
+		},
+		{
+			name:   "missing_customer_country_when_required",
+			mutate: func(r *mntxv1.CardPayoutRequest) { r.CustomerCountry = "" },
+			config: func(cfg monetix.Config) monetix.Config {
+				cfg.RequireCustomerAddress = true
+				return cfg
+			},
+			expected: "missing_customer_country",
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			req := validCardPayoutRequest()
+			tc.mutate(req)
+			cfg := baseCfg
+			if tc.config != nil {
+				cfg = tc.config(cfg)
+			}
+			err := validateCardPayoutRequest(req, cfg)
+			requireReason(t, err, tc.expected)
+		})
+	}
+}

api/gateway/mntx/internal/service/gateway/card_processor.go

@@ -45,14 +45,20 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 	if p == nil {
 		return nil, merrors.Internal("card payout processor not initialised")
 	}
+	p.logger.Info("Submitting card payout",
+		zap.String("payout_id", strings.TrimSpace(req.GetPayoutId())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+		zap.Int64("amount_minor", req.GetAmountMinor()),
+		zap.String("currency", strings.ToUpper(strings.TrimSpace(req.GetCurrency()))),
+	)
 	if strings.TrimSpace(p.config.BaseURL) == "" || strings.TrimSpace(p.config.SecretKey) == "" {
-		p.logger.Warn("monetix configuration is incomplete for payout submission")
+		p.logger.Warn("Monetix configuration is incomplete for payout submission")
 		return nil, merrors.Internal("monetix configuration is incomplete")
 	}
 
 	req = sanitizeCardPayoutRequest(req)
 	if err := validateCardPayoutRequest(req, p.config); err != nil {
-		p.logger.Warn("card payout validation failed",
+		p.logger.Warn("Card payout validation failed",
 			zap.String("payout_id", req.GetPayoutId()),
 			zap.String("customer_id", req.GetCustomerId()),
 			zap.Error(err),
@@ -65,7 +71,7 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 		projectID = p.config.ProjectID
 	}
 	if projectID == 0 {
-		p.logger.Warn("monetix project_id is not configured", zap.String("payout_id", req.GetPayoutId()))
+		p.logger.Warn("Monetix project_id is not configured", zap.String("payout_id", req.GetPayoutId()))
 		return nil, merrors.Internal("monetix project_id is not configured")
 	}
 
@@ -95,7 +101,7 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 		state.ProviderMessage = err.Error()
 		state.UpdatedAt = timestamppb.New(p.clock.Now())
 		p.store.Save(state)
-		p.logger.Warn("monetix payout submission failed",
+		p.logger.Warn("Monetix payout submission failed",
 			zap.String("payout_id", req.GetPayoutId()),
 			zap.String("customer_id", req.GetCustomerId()),
 			zap.Error(err),
@@ -122,6 +128,13 @@ func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayout
 		ErrorMessage:      result.ErrorMessage,
 	}
 
+	p.logger.Info("Card payout submission stored",
+		zap.String("payout_id", state.GetPayoutId()),
+		zap.String("status", state.GetStatus().String()),
+		zap.Bool("accepted", result.Accepted),
+		zap.String("provider_request_id", result.ProviderRequestID),
+	)
+
 	return resp, nil
 }
 
@@ -129,14 +142,20 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 	if p == nil {
 		return nil, merrors.Internal("card payout processor not initialised")
 	}
+	p.logger.Info("Submitting card token payout",
+		zap.String("payout_id", strings.TrimSpace(req.GetPayoutId())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+		zap.Int64("amount_minor", req.GetAmountMinor()),
+		zap.String("currency", strings.ToUpper(strings.TrimSpace(req.GetCurrency()))),
+	)
 	if strings.TrimSpace(p.config.BaseURL) == "" || strings.TrimSpace(p.config.SecretKey) == "" {
-		p.logger.Warn("monetix configuration is incomplete for token payout submission")
+		p.logger.Warn("Monetix configuration is incomplete for token payout submission")
 		return nil, merrors.Internal("monetix configuration is incomplete")
 	}
 
 	req = sanitizeCardTokenPayoutRequest(req)
 	if err := validateCardTokenPayoutRequest(req, p.config); err != nil {
-		p.logger.Warn("card token payout validation failed",
+		p.logger.Warn("Card token payout validation failed",
 			zap.String("payout_id", req.GetPayoutId()),
 			zap.String("customer_id", req.GetCustomerId()),
 			zap.Error(err),
@@ -149,7 +168,7 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 		projectID = p.config.ProjectID
 	}
 	if projectID == 0 {
-		p.logger.Warn("monetix project_id is not configured", zap.String("payout_id", req.GetPayoutId()))
+		p.logger.Warn("Monetix project_id is not configured", zap.String("payout_id", req.GetPayoutId()))
 		return nil, merrors.Internal("monetix project_id is not configured")
 	}
 
@@ -179,7 +198,7 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 		state.ProviderMessage = err.Error()
 		state.UpdatedAt = timestamppb.New(p.clock.Now())
 		p.store.Save(state)
-		p.logger.Warn("monetix token payout submission failed",
+		p.logger.Warn("Monetix token payout submission failed",
 			zap.String("payout_id", req.GetPayoutId()),
 			zap.String("customer_id", req.GetCustomerId()),
 			zap.Error(err),
@@ -206,6 +225,13 @@ func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardT
 		ErrorMessage:      result.ErrorMessage,
 	}
 
+	p.logger.Info("Card token payout submission stored",
+		zap.String("payout_id", state.GetPayoutId()),
+		zap.String("status", state.GetStatus().String()),
+		zap.Bool("accepted", result.Accepted),
+		zap.String("provider_request_id", result.ProviderRequestID),
+	)
+
 	return resp, nil
 }
 
@@ -213,9 +239,13 @@ func (p *cardPayoutProcessor) Tokenize(ctx context.Context, req *mntxv1.CardToke
 	if p == nil {
 		return nil, merrors.Internal("card payout processor not initialised")
 	}
+	p.logger.Info("Submitting card tokenization",
+		zap.String("request_id", strings.TrimSpace(req.GetRequestId())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+	)
 	cardInput, err := validateCardTokenizeRequest(req, p.config)
 	if err != nil {
-		p.logger.Warn("card tokenization validation failed",
+		p.logger.Warn("Card tokenization validation failed",
 			zap.String("request_id", req.GetRequestId()),
 			zap.String("customer_id", req.GetCustomerId()),
 			zap.Error(err),
@@ -228,7 +258,7 @@ func (p *cardPayoutProcessor) Tokenize(ctx context.Context, req *mntxv1.CardToke
 		projectID = p.config.ProjectID
 	}
 	if projectID == 0 {
-		p.logger.Warn("monetix project_id is not configured", zap.String("request_id", req.GetRequestId()))
+		p.logger.Warn("Monetix project_id is not configured", zap.String("request_id", req.GetRequestId()))
 		return nil, merrors.Internal("monetix project_id is not configured")
 	}
 
@@ -238,7 +268,7 @@ func (p *cardPayoutProcessor) Tokenize(ctx context.Context, req *mntxv1.CardToke
 	apiReq := buildCardTokenizeRequest(projectID, req, cardInput)
 	result, err := client.CreateCardTokenization(ctx, apiReq)
 	if err != nil {
-		p.logger.Warn("monetix tokenization request failed",
+		p.logger.Warn("Monetix tokenization request failed",
 			zap.String("request_id", req.GetRequestId()),
 			zap.String("customer_id", req.GetCustomerId()),
 			zap.Error(err),
@@ -258,6 +288,12 @@ func (p *cardPayoutProcessor) Tokenize(ctx context.Context, req *mntxv1.CardToke
 	resp.ExpiryYear = result.ExpiryYear
 	resp.CardBrand = result.CardBrand
 
+	p.logger.Info("Card tokenization completed",
+		zap.String("request_id", resp.GetRequestId()),
+		zap.Bool("success", resp.GetSuccess()),
+		zap.String("provider_request_id", result.ProviderRequestID),
+	)
+
 	return resp, nil
 }
 
@@ -267,16 +303,18 @@ func (p *cardPayoutProcessor) Status(_ context.Context, payoutID string) (*mntxv
 	}
 
 	id := strings.TrimSpace(payoutID)
+	p.logger.Info("Card payout status requested", zap.String("payout_id", id))
 	if id == "" {
-		p.logger.Warn("payout status requested with empty payout_id")
+		p.logger.Warn("Payout status requested with empty payout_id")
 		return nil, merrors.InvalidArgument("payout_id is required", "payout_id")
 	}
 
 	state, ok := p.store.Get(id)
 	if !ok || state == nil {
-		p.logger.Warn("payout status not found", zap.String("payout_id", id))
+		p.logger.Warn("Payout status not found", zap.String("payout_id", id))
 		return nil, merrors.NoData("payout not found")
 	}
+	p.logger.Info("Card payout status resolved", zap.String("payout_id", state.GetPayoutId()), zap.String("status", state.GetStatus().String()))
 	return state, nil
 }
 
@@ -284,18 +322,19 @@ func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byt
 	if p == nil {
 		return http.StatusInternalServerError, merrors.Internal("card payout processor not initialised")
 	}
+	p.logger.Debug("Processing Monetix callback", zap.Int("payload_bytes", len(payload)))
 	if len(payload) == 0 {
-		p.logger.Warn("received empty Monetix callback payload")
+		p.logger.Warn("Received empty Monetix callback payload")
 		return http.StatusBadRequest, merrors.InvalidArgument("callback body is empty")
 	}
 	if strings.TrimSpace(p.config.SecretKey) == "" {
-		p.logger.Warn("monetix secret key is not configured; cannot verify callback")
+		p.logger.Warn("Monetix secret key is not configured; cannot verify callback")
 		return http.StatusInternalServerError, merrors.Internal("monetix secret key is not configured")
 	}
 
 	var cb monetixCallback
 	if err := json.Unmarshal(payload, &cb); err != nil {
-		p.logger.Warn("failed to unmarshal Monetix callback", zap.Error(err))
+		p.logger.Warn("Failed to unmarshal Monetix callback", zap.Error(err))
 		return http.StatusBadRequest, err
 	}
 
@@ -337,16 +376,16 @@ func (p *cardPayoutProcessor) emitCardPayoutEvent(state *mntxv1.CardPayoutState)
 	event := &mntxv1.CardPayoutStatusChangedEvent{Payout: state}
 	payload, err := protojson.Marshal(event)
 	if err != nil {
-		p.logger.Warn("failed to marshal payout callback event", zap.Error(err))
+		p.logger.Warn("Failed to marshal payout callback event", zap.Error(err))
 		return
 	}
 
 	env := messaging.CreateEnvelope(string(mservice.MntxGateway), model.NewNotification(mservice.MntxGateway, nm.NAUpdated))
 	if _, err := env.Wrap(payload); err != nil {
-		p.logger.Warn("failed to wrap payout callback event payload", zap.Error(err))
+		p.logger.Warn("Failed to wrap payout callback event payload", zap.Error(err))
 		return
 	}
 	if err := p.producer.SendMessage(env); err != nil {
-		p.logger.Warn("failed to publish payout callback event", zap.Error(err))
+		p.logger.Warn("Failed to publish payout callback event", zap.Error(err))
 	}
 }

api/gateway/mntx/internal/service/gateway/card_processor_test.go

@@ -0,0 +1,149 @@
+package gateway
+
+import (
+	"bytes"
+	"context"
+	"encoding/json"
+	"errors"
+	"io"
+	"net/http"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+type roundTripperFunc func(*http.Request) (*http.Response, error)
+
+func (f roundTripperFunc) RoundTrip(r *http.Request) (*http.Response, error) {
+	return f(r)
+}
+
+type staticClock struct {
+	now time.Time
+}
+
+func (s staticClock) Now() time.Time {
+	return s.now
+}
+
+func TestCardPayoutProcessor_Submit_Success(t *testing.T) {
+	cfg := monetix.Config{
+		BaseURL:           "https://monetix.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	existingCreated := timestamppb.New(time.Date(2020, 2, 3, 0, 0, 0, 0, time.UTC))
+	store := newCardPayoutStore()
+	store.Save(&mntxv1.CardPayoutState{
+		PayoutId:  "payout-1",
+		CreatedAt: existingCreated,
+	})
+
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			resp := monetix.APIResponse{}
+			resp.Operation.RequestID = "req-123"
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	now := time.Date(2024, 1, 1, 12, 0, 0, 0, time.UTC)
+	processor := newCardPayoutProcessor(zap.NewNop(), cfg, staticClock{now: now}, store, httpClient, nil)
+
+	req := validCardPayoutRequest()
+	req.ProjectId = 0
+
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted payout response")
+	}
+	if resp.GetPayout().GetProjectId() != cfg.ProjectID {
+		t.Fatalf("expected project id %d, got %d", cfg.ProjectID, resp.GetPayout().GetProjectId())
+	}
+	if resp.GetPayout().GetStatus() != mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING {
+		t.Fatalf("expected pending status, got %v", resp.GetPayout().GetStatus())
+	}
+	if !resp.GetPayout().GetCreatedAt().AsTime().Equal(existingCreated.AsTime()) {
+		t.Fatalf("expected created_at preserved, got %v", resp.GetPayout().GetCreatedAt().AsTime())
+	}
+
+	stored, ok := store.Get(req.GetPayoutId())
+	if !ok || stored == nil {
+		t.Fatalf("expected payout state stored")
+	}
+	if stored.GetProviderPaymentId() == "" {
+		t.Fatalf("expected provider payment id")
+	}
+}
+
+func TestCardPayoutProcessor_Submit_MissingConfig(t *testing.T) {
+	cfg := monetix.Config{
+		AllowedCurrencies: []string{"RUB"},
+	}
+	processor := newCardPayoutProcessor(zap.NewNop(), cfg, clockpkg.NewSystem(), newCardPayoutStore(), &http.Client{}, nil)
+
+	_, err := processor.Submit(context.Background(), validCardPayoutRequest())
+	if err == nil {
+		t.Fatalf("expected error")
+	}
+	if !errors.Is(err, merrors.ErrInternal) {
+		t.Fatalf("expected internal error, got %v", err)
+	}
+}
+
+func TestCardPayoutProcessor_ProcessCallback(t *testing.T) {
+	cfg := monetix.Config{
+		SecretKey:         "secret",
+		StatusSuccess:     "success",
+		StatusProcessing:  "processing",
+		AllowedCurrencies: []string{"RUB"},
+	}
+	store := newCardPayoutStore()
+	processor := newCardPayoutProcessor(zap.NewNop(), cfg, staticClock{now: time.Date(2024, 1, 2, 3, 4, 5, 0, time.UTC)}, store, &http.Client{}, nil)
+
+	cb := baseCallback()
+	cb.Payment.Sum.Currency = "RUB"
+	cb.Signature = ""
+	sig, err := monetix.SignPayload(cb, cfg.SecretKey)
+	if err != nil {
+		t.Fatalf("failed to sign callback: %v", err)
+	}
+	cb.Signature = sig
+
+	payload, err := json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+
+	status, err := processor.ProcessCallback(context.Background(), payload)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if status != http.StatusOK {
+		t.Fatalf("expected status ok, got %d", status)
+	}
+
+	state, ok := store.Get(cb.Payment.ID)
+	if !ok || state == nil {
+		t.Fatalf("expected payout state stored")
+	}
+	if state.GetStatus() != mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED {
+		t.Fatalf("expected processed status, got %v", state.GetStatus())
+	}
+}

api/gateway/mntx/internal/service/gateway/card_token_validation_test.go

@@ -0,0 +1,93 @@
+package gateway
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func TestValidateCardTokenPayoutRequest_Valid(t *testing.T) {
+	cfg := testMonetixConfig()
+	req := validCardTokenPayoutRequest()
+	if err := validateCardTokenPayoutRequest(req, cfg); err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+}
+
+func TestValidateCardTokenPayoutRequest_Errors(t *testing.T) {
+	baseCfg := testMonetixConfig()
+	cases := []struct {
+		name     string
+		mutate   func(*mntxv1.CardTokenPayoutRequest)
+		config   func(monetix.Config) monetix.Config
+		expected string
+	}{
+		{
+			name:     "missing_payout_id",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.PayoutId = "" },
+			expected: "missing_payout_id",
+		},
+		{
+			name:     "missing_customer_id",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.CustomerId = "" },
+			expected: "missing_customer_id",
+		},
+		{
+			name:     "missing_customer_ip",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.CustomerIp = "" },
+			expected: "missing_customer_ip",
+		},
+		{
+			name:     "invalid_amount",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.AmountMinor = 0 },
+			expected: "invalid_amount",
+		},
+		{
+			name:     "missing_currency",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.Currency = "" },
+			expected: "missing_currency",
+		},
+		{
+			name:   "unsupported_currency",
+			mutate: func(r *mntxv1.CardTokenPayoutRequest) { r.Currency = "EUR" },
+			config: func(cfg monetix.Config) monetix.Config {
+				cfg.AllowedCurrencies = []string{"USD"}
+				return cfg
+			},
+			expected: "unsupported_currency",
+		},
+		{
+			name:     "missing_card_token",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.CardToken = "" },
+			expected: "missing_card_token",
+		},
+		{
+			name:   "missing_customer_city_when_required",
+			mutate: func(r *mntxv1.CardTokenPayoutRequest) {
+				r.CustomerCountry = "US"
+				r.CustomerCity = ""
+				r.CustomerAddress = "Main St"
+				r.CustomerZip = "12345"
+			},
+			config: func(cfg monetix.Config) monetix.Config {
+				cfg.RequireCustomerAddress = true
+				return cfg
+			},
+			expected: "missing_customer_city",
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			req := validCardTokenPayoutRequest()
+			tc.mutate(req)
+			cfg := baseCfg
+			if tc.config != nil {
+				cfg = tc.config(cfg)
+			}
+			err := validateCardTokenPayoutRequest(req, cfg)
+			requireReason(t, err, tc.expected)
+		})
+	}
+}

api/gateway/mntx/internal/service/gateway/card_tokenize_validation_test.go

@@ -0,0 +1,76 @@
+package gateway
+
+import (
+	"testing"
+	"time"
+
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func TestValidateCardTokenizeRequest_ValidTopLevel(t *testing.T) {
+	cfg := testMonetixConfig()
+	req := validCardTokenizeRequest()
+	if _, err := validateCardTokenizeRequest(req, cfg); err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+}
+
+func TestValidateCardTokenizeRequest_ValidNestedCard(t *testing.T) {
+	cfg := testMonetixConfig()
+	req := validCardTokenizeRequest()
+	req.Card = &mntxv1.CardDetails{
+		Pan:        "4111111111111111",
+		ExpMonth:   req.CardExpMonth,
+		ExpYear:    req.CardExpYear,
+		CardHolder: req.CardHolder,
+		Cvv:        req.CardCvv,
+	}
+	req.CardPan = ""
+	req.CardExpMonth = 0
+	req.CardExpYear = 0
+	req.CardHolder = ""
+	req.CardCvv = ""
+
+	if _, err := validateCardTokenizeRequest(req, cfg); err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+}
+
+func TestValidateCardTokenizeRequest_Expired(t *testing.T) {
+	cfg := testMonetixConfig()
+	req := validCardTokenizeRequest()
+	now := time.Now().UTC()
+	req.CardExpMonth = uint32(now.Month())
+	req.CardExpYear = uint32(now.Year() - 1)
+
+	_, err := validateCardTokenizeRequest(req, cfg)
+	requireReason(t, err, "expired_card")
+}
+
+func TestValidateCardTokenizeRequest_MissingCvv(t *testing.T) {
+	cfg := testMonetixConfig()
+	req := validCardTokenizeRequest()
+	req.CardCvv = ""
+
+	_, err := validateCardTokenizeRequest(req, cfg)
+	requireReason(t, err, "missing_cvv")
+}
+
+func TestValidateCardTokenizeRequest_MissingCardPan(t *testing.T) {
+	cfg := testMonetixConfig()
+	req := validCardTokenizeRequest()
+	req.CardPan = ""
+
+	_, err := validateCardTokenizeRequest(req, cfg)
+	requireReason(t, err, "missing_card_pan")
+}
+
+func TestValidateCardTokenizeRequest_AddressRequired(t *testing.T) {
+	cfg := testMonetixConfig()
+	cfg.RequireCustomerAddress = true
+	req := validCardTokenizeRequest()
+	req.CustomerCountry = ""
+
+	_, err := validateCardTokenizeRequest(req, cfg)
+	requireReason(t, err, "missing_customer_country")
+}

api/gateway/mntx/internal/service/gateway/metrics.go

@@ -164,11 +164,3 @@ func statusLabel(err error) string {
 		return "error"
 	}
 }
-
-func normalizeCallbackStatus(status string) string {
-	status = strings.TrimSpace(status)
-	if status == "" {
-		return "unknown"
-	}
-	return strings.ToLower(status)
-}

api/gateway/mntx/internal/service/gateway/payout_get.go

@@ -9,6 +9,7 @@ import (
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mservice"
 	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
 )
 
 func (s *Service) GetPayout(ctx context.Context, req *mntxv1.GetPayoutRequest) (*mntxv1.GetPayoutResponse, error) {
@@ -17,14 +18,19 @@ func (s *Service) GetPayout(ctx context.Context, req *mntxv1.GetPayoutRequest) (
 
 func (s *Service) handleGetPayout(_ context.Context, req *mntxv1.GetPayoutRequest) gsresponse.Responder[mntxv1.GetPayoutResponse] {
 	ref := strings.TrimSpace(req.GetPayoutRef())
+	log := s.logger.Named("payout")
+	log.Info("Get payout request received", zap.String("payout_ref", ref))
 	if ref == "" {
+		log.Warn("Get payout request missing payout_ref")
 		return gsresponse.InvalidArgument[mntxv1.GetPayoutResponse](s.logger, mservice.MntxGateway, merrors.InvalidArgument("payout_ref is required", "payout_ref"))
 	}
 
 	payout, ok := s.store.Get(ref)
 	if !ok {
+		log.Warn("Payout not found", zap.String("payout_ref", ref))
 		return gsresponse.NotFound[mntxv1.GetPayoutResponse](s.logger, mservice.MntxGateway, merrors.NoData(fmt.Sprintf("payout %s not found", ref)))
 	}
 
+	log.Info("Payout retrieved", zap.String("payout_ref", ref), zap.String("status", payout.GetStatus().String()))
 	return gsresponse.Success(&mntxv1.GetPayoutResponse{Payout: payout})
 }

api/gateway/mntx/internal/service/gateway/payout_submit.go

@@ -22,8 +22,17 @@ func (s *Service) SubmitPayout(ctx context.Context, req *mntxv1.SubmitPayoutRequ
 }
 
 func (s *Service) handleSubmitPayout(_ context.Context, req *mntxv1.SubmitPayoutRequest) gsresponse.Responder[mntxv1.SubmitPayoutResponse] {
+	log := s.logger.Named("payout")
+	log.Info("Submit payout request received",
+		zap.String("idempotency_key", strings.TrimSpace(req.GetIdempotencyKey())),
+		zap.String("organization_ref", strings.TrimSpace(req.GetOrganizationRef())),
+		zap.String("currency", strings.TrimSpace(req.GetAmount().GetCurrency())),
+		zap.String("amount", strings.TrimSpace(req.GetAmount().GetAmount())),
+	)
+
 	payout, err := s.buildPayout(req)
 	if err != nil {
+		log.Warn("Submit payout validation failed", zap.Error(err))
 		return gsresponse.Auto[mntxv1.SubmitPayoutResponse](s.logger, mservice.MntxGateway, err)
 	}
 
@@ -31,6 +40,7 @@ func (s *Service) handleSubmitPayout(_ context.Context, req *mntxv1.SubmitPayout
 	s.emitEvent(payout, nm.NAPending)
 	go s.completePayout(payout, strings.TrimSpace(req.GetSimulatedFailureReason()))
 
+	log.Info("Payout accepted", zap.String("payout_ref", payout.GetPayoutRef()), zap.String("status", payout.GetStatus().String()))
 	return gsresponse.Success(&mntxv1.SubmitPayoutResponse{Payout: payout})
 }
 
@@ -79,6 +89,7 @@ func (s *Service) buildPayout(req *mntxv1.SubmitPayoutRequest) (*mntxv1.Payout,
 }
 
 func (s *Service) completePayout(original *mntxv1.Payout, simulatedFailure string) {
+	log := s.logger.Named("payout")
 	outcome := clonePayout(original)
 	if outcome == nil {
 		return
@@ -95,6 +106,7 @@ func (s *Service) completePayout(original *mntxv1.Payout, simulatedFailure strin
 		observePayoutError(simulatedFailure, outcome.Amount)
 		s.store.Save(outcome)
 		s.emitEvent(outcome, nm.NAUpdated)
+		log.Info("Payout completed", zap.String("payout_ref", outcome.GetPayoutRef()), zap.String("status", outcome.GetStatus().String()), zap.String("failure_reason", simulatedFailure))
 		return
 	}
 
@@ -102,6 +114,7 @@ func (s *Service) completePayout(original *mntxv1.Payout, simulatedFailure strin
 	observePayoutSuccess(outcome.Amount)
 	s.store.Save(outcome)
 	s.emitEvent(outcome, nm.NAUpdated)
+	log.Info("Payout completed", zap.String("payout_ref", outcome.GetPayoutRef()), zap.String("status", outcome.GetStatus().String()))
 }
 
 func (s *Service) emitEvent(payout *mntxv1.Payout, action nm.NotificationAction) {
@@ -111,18 +124,18 @@ func (s *Service) emitEvent(payout *mntxv1.Payout, action nm.NotificationAction)
 
 	payload, err := protojson.Marshal(&mntxv1.PayoutStatusChangedEvent{Payout: payout})
 	if err != nil {
-		s.logger.Warn("failed to marshal payout event", zapError(err))
+		s.logger.Warn("Failed to marshal payout event", zapError(err))
 		return
 	}
 
 	env := messaging.CreateEnvelope(string(mservice.MntxGateway), model.NewNotification(mservice.MntxGateway, action))
 	if _, err := env.Wrap(payload); err != nil {
-		s.logger.Warn("failed to wrap payout event payload", zapError(err))
+		s.logger.Warn("Failed to wrap payout event payload", zapError(err))
 		return
 	}
 
 	if err := s.producer.SendMessage(env); err != nil {
-		s.logger.Warn("failed to publish payout event", zapError(err))
+		s.logger.Warn("Failed to publish payout event", zapError(err))
 	}
 }
 

api/gateway/mntx/internal/service/gateway/service.go

@@ -14,6 +14,7 @@ import (
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/mservice"
 	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
 	"google.golang.org/grpc"
 )
 
@@ -97,9 +98,19 @@ func (s *Service) Register(router routers.GRPC) error {
 }
 
 func executeUnary[TReq any, TResp any](ctx context.Context, svc *Service, method string, handler func(context.Context, *TReq) gsresponse.Responder[TResp], req *TReq) (*TResp, error) {
+	log := svc.logger.Named("rpc")
+	log.Info("RPC request started", zap.String("method", method))
+
 	start := svc.clock.Now()
 	resp, err := gsresponse.Unary(svc.logger, mservice.MntxGateway, handler)(ctx, req)
-	observeRPC(method, err, svc.clock.Now().Sub(start))
+	duration := svc.clock.Now().Sub(start)
+	observeRPC(method, err, duration)
+
+	if err != nil {
+		log.Warn("RPC request failed", zap.String("method", method), zap.Duration("duration", duration), zap.Error(err))
+	} else {
+		log.Info("RPC request completed", zap.String("method", method), zap.Duration("duration", duration))
+	}
 	return resp, err
 }
 

api/gateway/mntx/internal/service/gateway/testhelpers_test.go

@@ -0,0 +1,84 @@
+package gateway
+
+import (
+	"errors"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func requireReason(t *testing.T, err error, reason string) {
+	t.Helper()
+	if err == nil {
+		t.Fatalf("expected error")
+	}
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument error, got %v", err)
+	}
+	reasoned, ok := err.(payoutFailure)
+	if !ok {
+		t.Fatalf("expected payout failure reason, got %T", err)
+	}
+	if reasoned.Reason() != reason {
+		t.Fatalf("expected reason %q, got %q", reason, reasoned.Reason())
+	}
+}
+
+func testMonetixConfig() monetix.Config {
+	return monetix.Config{
+		AllowedCurrencies: []string{"RUB", "USD"},
+	}
+}
+
+func validCardPayoutRequest() *mntxv1.CardPayoutRequest {
+	return &mntxv1.CardPayoutRequest{
+		PayoutId:          "payout-1",
+		CustomerId:        "cust-1",
+		CustomerFirstName: "Jane",
+		CustomerLastName:  "Doe",
+		CustomerIp:        "203.0.113.10",
+		AmountMinor:       1500,
+		Currency:          "RUB",
+		CardPan:           "4111111111111111",
+		CardHolder:        "JANE DOE",
+		CardExpMonth:      12,
+		CardExpYear:       2035,
+	}
+}
+
+func validCardTokenPayoutRequest() *mntxv1.CardTokenPayoutRequest {
+	return &mntxv1.CardTokenPayoutRequest{
+		PayoutId:          "payout-1",
+		CustomerId:        "cust-1",
+		CustomerFirstName: "Jane",
+		CustomerLastName:  "Doe",
+		CustomerIp:        "203.0.113.11",
+		AmountMinor:       2500,
+		Currency:          "USD",
+		CardToken:         "tok_123",
+	}
+}
+
+func validCardTokenizeRequest() *mntxv1.CardTokenizeRequest {
+	month, year := futureExpiry()
+	return &mntxv1.CardTokenizeRequest{
+		RequestId:         "req-1",
+		CustomerId:        "cust-1",
+		CustomerFirstName: "Jane",
+		CustomerLastName:  "Doe",
+		CustomerIp:        "203.0.113.12",
+		CardPan:           "4111111111111111",
+		CardHolder:        "JANE DOE",
+		CardCvv:           "123",
+		CardExpMonth:      month,
+		CardExpYear:       year,
+	}
+}
+
+func futureExpiry() (uint32, uint32) {
+	now := time.Now().UTC()
+	return uint32(now.Month()), uint32(now.Year() + 1)
+}

api/gateway/mntx/internal/service/monetix/client.go

@@ -2,10 +2,6 @@ package monetix
 
 import (
 	"context"
-	"crypto/hmac"
-	"crypto/sha256"
-	"encoding/hex"
-	"encoding/json"
 	"net/http"
 
 	"github.com/tech/sendico/pkg/mlogger"
@@ -45,21 +41,3 @@ func (c *Client) CreateCardTokenPayout(ctx context.Context, req CardTokenPayoutR
 func (c *Client) CreateCardTokenization(ctx context.Context, req CardTokenizeRequest) (*TokenizationResult, error) {
 	return c.sendTokenization(ctx, req)
 }
-
-func signPayload(payload any, secret string) (string, error) {
-	data, err := json.Marshal(payload)
-	if err != nil {
-		return "", err
-	}
-
-	h := hmac.New(sha256.New, []byte(secret))
-	if _, err := h.Write(data); err != nil {
-		return "", err
-	}
-	return hex.EncodeToString(h.Sum(nil)), nil
-}
-
-// SignPayload exposes signature calculation for callback verification.
-func SignPayload(payload any, secret string) (string, error) {
-	return signPayload(payload, secret)
-}

api/gateway/mntx/internal/service/monetix/mask_test.go

@@ -0,0 +1,23 @@
+package monetix
+
+import "testing"
+
+func TestMaskPAN(t *testing.T) {
+	cases := []struct {
+		input    string
+		expected string
+	}{
+		{input: "1234", expected: "****"},
+		{input: "1234567890", expected: "12******90"},
+		{input: "1234567890123456", expected: "123456******3456"},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.input, func(t *testing.T) {
+			got := MaskPAN(tc.input)
+			if got != tc.expected {
+				t.Fatalf("expected %q, got %q", tc.expected, got)
+			}
+		})
+	}
+}

api/gateway/mntx/internal/service/monetix/sender.go

@@ -24,7 +24,7 @@ func (c *Client) sendCardPayout(ctx context.Context, req CardPayoutRequest) (*Ca
 	maskedPAN := MaskPAN(req.Card.PAN)
 	return c.send(ctx, &req, "/v2/payment/card/payout",
 		func() {
-			c.logger.Info("dispatching Monetix card payout",
+			c.logger.Info("Dispatching Monetix card payout",
 				zap.String("payout_id", req.General.PaymentID),
 				zap.Int64("amount_minor", req.Payment.Amount),
 				zap.String("currency", req.Payment.Currency),
@@ -47,7 +47,7 @@ func (c *Client) sendCardPayout(ctx context.Context, req CardPayoutRequest) (*Ca
 func (c *Client) sendCardTokenPayout(ctx context.Context, req CardTokenPayoutRequest) (*CardPayoutSendResult, error) {
 	return c.send(ctx, &req, "/v2/payment/card/payout/token",
 		func() {
-			c.logger.Info("dispatching Monetix card token payout",
+			c.logger.Info("Dispatching Monetix card token payout",
 				zap.String("payout_id", req.General.PaymentID),
 				zap.Int64("amount_minor", req.Payment.Amount),
 				zap.String("currency", req.Payment.Currency),
@@ -101,7 +101,7 @@ func (c *Client) sendTokenization(ctx context.Context, req CardTokenizeRequest)
 	httpReq.Header.Set("Content-Type", "application/json")
 	httpReq.Header.Set("Accept", "application/json")
 
-	c.logger.Info("dispatching Monetix card tokenization",
+	c.logger.Info("Dispatching Monetix card tokenization",
 		zap.String("request_id", req.General.PaymentID),
 		zap.String("masked_pan", MaskPAN(req.Card.PAN)),
 	)
@@ -111,7 +111,7 @@ func (c *Client) sendTokenization(ctx context.Context, req CardTokenizeRequest)
 	duration := time.Since(start)
 	if err != nil {
 		observeRequest(outcomeNetworkError, duration)
-		c.logger.Warn("monetix tokenization request failed", zap.Error(err))
+		c.logger.Warn("Monetix tokenization request failed", zap.Error(err))
 		return nil, merrors.Internal("monetix tokenization request failed: " + err.Error())
 	}
 	defer resp.Body.Close()
@@ -133,7 +133,7 @@ func (c *Client) sendTokenization(ctx context.Context, req CardTokenizeRequest)
 	var apiResp APIResponse
 	if len(body) > 0 {
 		if err := json.Unmarshal(body, &apiResp); err != nil {
-			c.logger.Warn("failed to decode Monetix tokenization response", zap.String("request_id", req.General.PaymentID), zap.Int("status_code", resp.StatusCode), zap.Error(err))
+			c.logger.Warn("Failed to decode Monetix tokenization response", zap.String("request_id", req.General.PaymentID), zap.Int("status_code", resp.StatusCode), zap.Error(err))
 		} else {
 			var tokenData struct {
 				Token       string `json:"token"`
@@ -245,7 +245,7 @@ func (c *Client) send(ctx context.Context, req any, path string, dispatchLog fun
 	var apiResp APIResponse
 	if len(body) > 0 {
 		if err := json.Unmarshal(body, &apiResp); err != nil {
-			c.logger.Warn("failed to decode Monetix response", zap.Int("status_code", resp.StatusCode), zap.Error(err))
+			c.logger.Warn("Failed to decode Monetix response", zap.Int("status_code", resp.StatusCode), zap.Error(err))
 		}
 	}
 

api/gateway/mntx/internal/service/monetix/sender_test.go

@@ -0,0 +1,128 @@
+package monetix
+
+import (
+	"bytes"
+	"context"
+	"encoding/json"
+	"io"
+	"net/http"
+	"strings"
+	"testing"
+
+	"go.uber.org/zap"
+)
+
+type roundTripperFunc func(*http.Request) (*http.Response, error)
+
+func (f roundTripperFunc) RoundTrip(r *http.Request) (*http.Response, error) {
+	return f(r)
+}
+
+func TestSendCardPayout_SignsPayload(t *testing.T) {
+	secret := "secret"
+	var captured CardPayoutRequest
+
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			if r.URL.Path != "/v2/payment/card/payout" {
+				t.Fatalf("expected payout path, got %q", r.URL.Path)
+			}
+			body, _ := io.ReadAll(r.Body)
+			if err := json.Unmarshal(body, &captured); err != nil {
+				t.Fatalf("failed to decode request: %v", err)
+			}
+			resp := APIResponse{}
+			resp.Operation.RequestID = "req-1"
+			payload, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(bytes.NewReader(payload)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	cfg := Config{
+		BaseURL:   "https://monetix.test",
+		SecretKey: secret,
+	}
+	client := NewClient(cfg, httpClient, zap.NewNop())
+
+	req := CardPayoutRequest{
+		General: General{ProjectID: 1, PaymentID: "payout-1"},
+		Customer: Customer{
+			ID:        "cust-1",
+			FirstName: "Jane",
+			LastName:  "Doe",
+			IP:        "203.0.113.10",
+		},
+		Payment: Payment{Amount: 1000, Currency: "RUB"},
+		Card:    Card{PAN: "4111111111111111", Year: 2030, Month: 12, CardHolder: "JANE DOE"},
+	}
+
+	result, err := client.CreateCardPayout(context.Background(), req)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if !result.Accepted {
+		t.Fatalf("expected accepted response")
+	}
+	if captured.General.Signature == "" {
+		t.Fatalf("expected signature in request")
+	}
+
+	signed := captured
+	signed.General.Signature = ""
+	expectedSig, err := SignPayload(signed, secret)
+	if err != nil {
+		t.Fatalf("failed to compute signature: %v", err)
+	}
+	if captured.General.Signature != expectedSig {
+		t.Fatalf("expected signature %q, got %q", expectedSig, captured.General.Signature)
+	}
+}
+
+func TestSendCardPayout_HTTPError(t *testing.T) {
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			body := `{"code":"E100","message":"denied"}`
+			return &http.Response{
+				StatusCode: http.StatusBadRequest,
+				Body:       io.NopCloser(strings.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	cfg := Config{
+		BaseURL:   "https://monetix.test",
+		SecretKey: "secret",
+	}
+	client := NewClient(cfg, httpClient, zap.NewNop())
+
+	req := CardPayoutRequest{
+		General: General{ProjectID: 1, PaymentID: "payout-1"},
+		Customer: Customer{
+			ID:        "cust-1",
+			FirstName: "Jane",
+			LastName:  "Doe",
+			IP:        "203.0.113.10",
+		},
+		Payment: Payment{Amount: 1000, Currency: "RUB"},
+		Card:    Card{PAN: "4111111111111111", Year: 2030, Month: 12, CardHolder: "JANE DOE"},
+	}
+
+	result, err := client.CreateCardPayout(context.Background(), req)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if result.Accepted {
+		t.Fatalf("expected rejected response")
+	}
+	if result.ErrorCode != "E100" {
+		t.Fatalf("expected error code E100, got %q", result.ErrorCode)
+	}
+	if result.ErrorMessage != "denied" {
+		t.Fatalf("expected error message denied, got %q", result.ErrorMessage)
+	}
+}

api/gateway/mntx/internal/service/monetix/signature.go

@@ -0,0 +1,112 @@
+package monetix
+
+import (
+	"bytes"
+	"crypto/hmac"
+	"crypto/sha512"
+	"encoding/base64"
+	"encoding/json"
+	"fmt"
+	"sort"
+	"strconv"
+	"strings"
+)
+
+func signPayload(payload any, secret string) (string, error) {
+	canonical, err := signaturePayloadString(payload)
+	if err != nil {
+		return "", err
+	}
+
+	mac := hmac.New(sha512.New, []byte(secret))
+	if _, err := mac.Write([]byte(canonical)); err != nil {
+		return "", err
+	}
+	return base64.StdEncoding.EncodeToString(mac.Sum(nil)), nil
+}
+
+// SignPayload exposes signature calculation for callback verification.
+func SignPayload(payload any, secret string) (string, error) {
+	return signPayload(payload, secret)
+}
+
+func signaturePayloadString(payload any) (string, error) {
+	data, err := json.Marshal(payload)
+	if err != nil {
+		return "", err
+	}
+
+	var root any
+	decoder := json.NewDecoder(bytes.NewReader(data))
+	decoder.UseNumber()
+	if err := decoder.Decode(&root); err != nil {
+		return "", err
+	}
+
+	lines := make([]string, 0)
+	collectSignatureLines(nil, root, &lines)
+	sort.Strings(lines)
+
+	return strings.Join(lines, ";"), nil
+}
+
+func collectSignatureLines(path []string, value any, lines *[]string) {
+	switch v := value.(type) {
+	case map[string]any:
+		for key, child := range v {
+			if strings.EqualFold(key, "signature") {
+				continue
+			}
+			collectSignatureLines(append(path, key), child, lines)
+		}
+	case []any:
+		if len(v) == 0 {
+			return
+		}
+		for idx, child := range v {
+			collectSignatureLines(append(path, strconv.Itoa(idx)), child, lines)
+		}
+	default:
+		line := formatSignatureLine(path, v)
+		if line != "" {
+			*lines = append(*lines, line)
+		}
+	}
+}
+
+func formatSignatureLine(path []string, value any) string {
+	if len(path) == 0 {
+		return ""
+	}
+	val := signatureValueString(value)
+	segments := append(append([]string{}, path...), val)
+	return strings.Join(segments, ":")
+}
+
+func signatureValueString(value any) string {
+	switch v := value.(type) {
+	case nil:
+		return "null"
+	case string:
+		return v
+	case json.Number:
+		return v.String()
+	case bool:
+		if v {
+			return "1"
+		}
+		return "0"
+	case float64:
+		return strconv.FormatFloat(v, 'f', -1, 64)
+	case float32:
+		return strconv.FormatFloat(float64(v), 'f', -1, 32)
+	case int:
+		return strconv.Itoa(v)
+	case int8, int16, int32, int64:
+		return fmt.Sprint(v)
+	case uint, uint8, uint16, uint32, uint64:
+		return fmt.Sprint(v)
+	default:
+		return fmt.Sprint(v)
+	}
+}

api/gateway/mntx/internal/service/monetix/signature_test.go

@@ -0,0 +1,148 @@
+package monetix
+
+import "testing"
+
+func TestSignaturePayloadString_Example(t *testing.T) {
+	payload := map[string]any{
+		"general": map[string]any{
+			"project_id": 3254,
+			"payment_id": "id_38202316",
+			"signature":  "<ignored>",
+		},
+		"customer": map[string]any{
+			"id":         "585741",
+			"email":      "johndoe@example.com",
+			"first_name": "John",
+			"last_name":  "Doe",
+			"address":    "Downing str., 23",
+			"identify": map[string]any{
+				"doc_number": "54122312544",
+			},
+			"ip_address": "198.51.100.47",
+		},
+		"payment": map[string]any{
+			"amount":      10800,
+			"currency":    "USD",
+			"description": "Computer keyboards",
+		},
+		"receipt_data": map[string]any{
+			"positions": []any{
+				map[string]any{
+					"quantity":    "10",
+					"amount":      "108",
+					"description": "Computer keyboard",
+				},
+			},
+		},
+		"return_url": map[string]any{
+			"success": "https://paymentpage.example.com/complete-redirect?id=success",
+			"decline": "https://paymentpage.example.com/complete-redirect?id=decline",
+		},
+	}
+
+	got, err := signaturePayloadString(payload)
+	if err != nil {
+		t.Fatalf("failed to build signature string: %v", err)
+	}
+
+	expected := "customer:address:Downing str., 23;customer:email:johndoe@example.com;customer:first_name:John;customer:id:585741;customer:identify:doc_number:54122312544;customer:ip_address:198.51.100.47;customer:last_name:Doe;general:payment_id:id_38202316;general:project_id:3254;payment:amount:10800;payment:currency:USD;payment:description:Computer keyboards;receipt_data:positions:0:amount:108;receipt_data:positions:0:description:Computer keyboard;receipt_data:positions:0:quantity:10;return_url:decline:https://paymentpage.example.com/complete-redirect?id=decline;return_url:success:https://paymentpage.example.com/complete-redirect?id=success"
+	if got != expected {
+		t.Fatalf("unexpected signature string\nexpected: %s\ngot: %s", expected, got)
+	}
+}
+
+func TestSignPayload_Example(t *testing.T) {
+	payload := map[string]any{
+		"general": map[string]any{
+			"project_id": 3254,
+			"payment_id": "id_38202316",
+			"signature":  "<ignored>",
+		},
+		"customer": map[string]any{
+			"id":         "585741",
+			"email":      "johndoe@example.com",
+			"first_name": "John",
+			"last_name":  "Doe",
+			"address":    "Downing str., 23",
+			"identify": map[string]any{
+				"doc_number": "54122312544",
+			},
+			"ip_address": "198.51.100.47",
+		},
+		"payment": map[string]any{
+			"amount":      10800,
+			"currency":    "USD",
+			"description": "Computer keyboards",
+		},
+		"receipt_data": map[string]any{
+			"positions": []any{
+				map[string]any{
+					"quantity":    "10",
+					"amount":      "108",
+					"description": "Computer keyboard",
+				},
+			},
+		},
+		"return_url": map[string]any{
+			"success": "https://paymentpage.example.com/complete-redirect?id=success",
+			"decline": "https://paymentpage.example.com/complete-redirect?id=decline",
+		},
+	}
+
+	got, err := SignPayload(payload, "secret")
+	if err != nil {
+		t.Fatalf("failed to sign payload: %v", err)
+	}
+	expected := "lagSnuspAn+F6XkmQISqwtBg0PsiTy62fF9x33TM+278mnufIDZyi1yP0BQALuCxyikkIxIMbodBn2F8hMdRwA=="
+	if got != expected {
+		t.Fatalf("unexpected signature\nexpected: %s\ngot: %s", expected, got)
+	}
+}
+
+func TestSignaturePayloadString_BooleansAndArrays(t *testing.T) {
+	payload := map[string]any{
+		"flag":       true,
+		"false_flag": false,
+		"empty":      "",
+		"zero":       0,
+		"nested": map[string]any{
+			"list":  []any{},
+			"items": []any{"alpha", "beta"},
+		},
+	}
+
+	got, err := signaturePayloadString(payload)
+	if err != nil {
+		t.Fatalf("failed to build signature string: %v", err)
+	}
+
+	expected := "empty:;false_flag:0;flag:1;nested:items:0:alpha;nested:items:1:beta;zero:0"
+	if got != expected {
+		t.Fatalf("unexpected signature string\nexpected: %s\ngot: %s", expected, got)
+	}
+}
+
+func TestSignPayload_EthEstimateGasExample(t *testing.T) {
+	payload := map[string]any{
+		"jsonrpc": "2.0",
+		"id":      3,
+		"method":  "eth_estimateGas",
+		"params": []any{
+			map[string]any{
+				"from":     "0xfa89b4d534bdeb2713d4ffd893e79d6535fb58f8",
+				"to":       "0x44162e39eefd9296231e772663a92e72958e182f",
+				"gasPrice": "0x64",
+				"data":     "0xa9059cbb00000000000000000000000044162e39eefd9296231e772663a92e72958e182f00000000000000000000000000000000000000000000000000000000000f4240",
+			},
+		},
+	}
+
+	got, err := SignPayload(payload, "1")
+	if err != nil {
+		t.Fatalf("failed to sign payload: %v", err)
+	}
+	expected := "C4WbSvXKSMyX8yLamQcUe/Nzr6nSt9m3HYn4jHSyA7yi/FaTiqk0r8BlfIzfxSCoDaRgrSd82ihgZW+DxELhdQ=="
+	if got != expected {
+		t.Fatalf("unexpected signature\nexpected: %s\ngot: %s", expected, got)
+	}
+}

api/payments/orchestrator/config.yml

@@ -66,7 +66,7 @@ oracle:
 card_gateways:
   monetix:
     funding_address: "TGBDXEg9rxSqGFJDcb889zqTjDwx1bmLRF"
-    fee_wallet_ref: "694c124fd76f9f811ac57134"
+    fee_wallet_ref: "694c124ed76f9f811ac57133"
 
 fee_ledger_accounts:
   monetix: "ledger:fees:monetix"

api/payments/orchestrator/internal/service/orchestrator/card_payout.go

@@ -313,6 +313,47 @@ func (s *Service) submitCardPayout(ctx context.Context, payment *model.Payment)
 	currency := strings.TrimSpace(amount.GetCurrency())
 	holder := strings.TrimSpace(card.Cardholder)
 	meta := cloneMetadata(payment.Metadata)
+	customer := intent.Customer
+	customerID := ""
+	customerFirstName := ""
+	customerMiddleName := ""
+	customerLastName := ""
+	customerIP := ""
+	customerZip := ""
+	customerCountry := ""
+	customerState := ""
+	customerCity := ""
+	customerAddress := ""
+	if customer != nil {
+		customerID = strings.TrimSpace(customer.ID)
+		customerFirstName = strings.TrimSpace(customer.FirstName)
+		customerMiddleName = strings.TrimSpace(customer.MiddleName)
+		customerLastName = strings.TrimSpace(customer.LastName)
+		customerIP = strings.TrimSpace(customer.IP)
+		customerZip = strings.TrimSpace(customer.Zip)
+		customerCountry = strings.TrimSpace(customer.Country)
+		customerState = strings.TrimSpace(customer.State)
+		customerCity = strings.TrimSpace(customer.City)
+		customerAddress = strings.TrimSpace(customer.Address)
+	}
+	if customerFirstName == "" {
+		customerFirstName = strings.TrimSpace(card.Cardholder)
+	}
+	if customerLastName == "" {
+		customerLastName = strings.TrimSpace(card.CardholderSurname)
+	}
+	if customerID == "" {
+		return merrors.InvalidArgument("card payout: customer id is required")
+	}
+	if customerFirstName == "" {
+		return merrors.InvalidArgument("card payout: customer first name is required")
+	}
+	if customerLastName == "" {
+		return merrors.InvalidArgument("card payout: customer last name is required")
+	}
+	if customerIP == "" {
+		return merrors.InvalidArgument("card payout: customer ip is required")
+	}
 
 	var (
 		state *mntxv1.CardPayoutState
@@ -320,13 +361,23 @@ func (s *Service) submitCardPayout(ctx context.Context, payment *model.Payment)
 
 	if token := strings.TrimSpace(card.Token); token != "" {
 		req := &mntxv1.CardTokenPayoutRequest{
-			PayoutId:    payoutID,
+			PayoutId:           payoutID,
-			AmountMinor: minor,
+			CustomerId:         customerID,
-			Currency:    currency,
+			CustomerFirstName:  customerFirstName,
-			CardToken:   token,
+			CustomerMiddleName: customerMiddleName,
-			CardHolder:  holder,
+			CustomerLastName:   customerLastName,
-			MaskedPan:   strings.TrimSpace(card.MaskedPan),
+			CustomerIp:         customerIP,
-			Metadata:    meta,
+			CustomerZip:        customerZip,
+			CustomerCountry:    customerCountry,
+			CustomerState:      customerState,
+			CustomerCity:       customerCity,
+			CustomerAddress:    customerAddress,
+			AmountMinor:        minor,
+			Currency:           currency,
+			CardToken:          token,
+			CardHolder:         holder,
+			MaskedPan:          strings.TrimSpace(card.MaskedPan),
+			Metadata:           meta,
 		}
 		resp, err := s.deps.mntx.client.CreateCardTokenPayout(ctx, req)
 		if err != nil {
@@ -336,14 +387,24 @@ func (s *Service) submitCardPayout(ctx context.Context, payment *model.Payment)
 		state = resp.GetPayout()
 	} else if pan := strings.TrimSpace(card.Pan); pan != "" {
 		req := &mntxv1.CardPayoutRequest{
-			PayoutId:     payoutID,
+			PayoutId:           payoutID,
-			AmountMinor:  minor,
+			CustomerId:         customerID,
-			Currency:     currency,
+			CustomerFirstName:  customerFirstName,
-			CardPan:      pan,
+			CustomerMiddleName: customerMiddleName,
-			CardExpYear:  card.ExpYear,
+			CustomerLastName:   customerLastName,
-			CardExpMonth: card.ExpMonth,
+			CustomerIp:         customerIP,
-			CardHolder:   holder,
+			CustomerZip:        customerZip,
-			Metadata:     meta,
+			CustomerCountry:    customerCountry,
+			CustomerState:      customerState,
+			CustomerCity:       customerCity,
+			CustomerAddress:    customerAddress,
+			AmountMinor:        minor,
+			Currency:           currency,
+			CardPan:            pan,
+			CardExpYear:        card.ExpYear,
+			CardExpMonth:       card.ExpMonth,
+			CardHolder:         holder,
+			Metadata:           meta,
 		}
 		resp, err := s.deps.mntx.client.CreateCardPayout(ctx, req)
 		if err != nil {

api/payments/orchestrator/internal/service/orchestrator/card_payout_test.go

@@ -266,6 +266,12 @@ func TestSubmitCardPayout_UsesSettlementAmountAndTransfersFee(t *testing.T) {
 				},
 			},
 			Amount: &moneyv1.Money{Currency: "USDT", Amount: "5"},
+			Customer: &model.Customer{
+				ID:        "recipient-1",
+				FirstName: "Stephan",
+				LastName:  "Tester",
+				IP:        "198.51.100.10",
+			},
 		},
 		LastQuote: &model.PaymentQuoteSnapshot{
 			ExpectedSettlementAmount: &moneyv1.Money{Currency: "RUB", Amount: "392.30"},

api/payments/orchestrator/internal/service/orchestrator/convert.go

@@ -26,6 +26,7 @@ func intentFromProto(src *orchestratorv1.PaymentIntent) model.PaymentIntent {
 		FeePolicy:      src.GetFeePolicy(),
 		SettlementMode: src.GetSettlementMode(),
 		Attributes:     cloneMetadata(src.GetAttributes()),
+		Customer:       customerFromProto(src.GetCustomer()),
 	}
 	if src.GetFx() != nil {
 		intent.FX = fxIntentFromProto(src.GetFx())
@@ -69,13 +70,14 @@ func endpointFromProto(src *orchestratorv1.PaymentEndpoint) model.PaymentEndpoin
 	if card := src.GetCard(); card != nil {
 		result.Type = model.EndpointTypeCard
 		result.Card = &model.CardEndpoint{
-			Pan:        strings.TrimSpace(card.GetPan()),
+			Pan:               strings.TrimSpace(card.GetPan()),
-			Token:      strings.TrimSpace(card.GetToken()),
+			Token:             strings.TrimSpace(card.GetToken()),
-			Cardholder: strings.TrimSpace(card.GetCardholderName()),
+			Cardholder:        strings.TrimSpace(card.GetCardholderName()),
-			ExpMonth:   card.GetExpMonth(),
+			CardholderSurname: strings.TrimSpace(card.GetCardholderSurname()),
-			ExpYear:    card.GetExpYear(),
+			ExpMonth:          card.GetExpMonth(),
-			Country:    strings.TrimSpace(card.GetCountry()),
+			ExpYear:           card.GetExpYear(),
-			MaskedPan:  strings.TrimSpace(card.GetMaskedPan()),
+			Country:           strings.TrimSpace(card.GetCountry()),
+			MaskedPan:         strings.TrimSpace(card.GetMaskedPan()),
 		}
 		return result
 	}
@@ -161,6 +163,7 @@ func protoIntentFromModel(src model.PaymentIntent) *orchestratorv1.PaymentIntent
 		FeePolicy:      src.FeePolicy,
 		SettlementMode: src.SettlementMode,
 		Attributes:     cloneMetadata(src.Attributes),
+		Customer:       protoCustomerFromModel(src.Customer),
 	}
 	if src.FX != nil {
 		intent.Fx = protoFXIntentFromModel(src.FX)
@@ -168,6 +171,42 @@ func protoIntentFromModel(src model.PaymentIntent) *orchestratorv1.PaymentIntent
 	return intent
 }
 
+func customerFromProto(src *orchestratorv1.Customer) *model.Customer {
+	if src == nil {
+		return nil
+	}
+	return &model.Customer{
+		ID:         strings.TrimSpace(src.GetId()),
+		FirstName:  strings.TrimSpace(src.GetFirstName()),
+		MiddleName: strings.TrimSpace(src.GetMiddleName()),
+		LastName:   strings.TrimSpace(src.GetLastName()),
+		IP:         strings.TrimSpace(src.GetIp()),
+		Zip:        strings.TrimSpace(src.GetZip()),
+		Country:    strings.TrimSpace(src.GetCountry()),
+		State:      strings.TrimSpace(src.GetState()),
+		City:       strings.TrimSpace(src.GetCity()),
+		Address:    strings.TrimSpace(src.GetAddress()),
+	}
+}
+
+func protoCustomerFromModel(src *model.Customer) *orchestratorv1.Customer {
+	if src == nil {
+		return nil
+	}
+	return &orchestratorv1.Customer{
+		Id:         strings.TrimSpace(src.ID),
+		FirstName:  strings.TrimSpace(src.FirstName),
+		MiddleName: strings.TrimSpace(src.MiddleName),
+		LastName:   strings.TrimSpace(src.LastName),
+		Ip:         strings.TrimSpace(src.IP),
+		Zip:        strings.TrimSpace(src.Zip),
+		Country:    strings.TrimSpace(src.Country),
+		State:      strings.TrimSpace(src.State),
+		City:       strings.TrimSpace(src.City),
+		Address:    strings.TrimSpace(src.Address),
+	}
+}
+
 func protoEndpointFromModel(src model.PaymentEndpoint) *orchestratorv1.PaymentEndpoint {
 	endpoint := &orchestratorv1.PaymentEndpoint{
 		Metadata: cloneMetadata(src.Metadata),
@@ -204,11 +243,12 @@ func protoEndpointFromModel(src model.PaymentEndpoint) *orchestratorv1.PaymentEn
 	case model.EndpointTypeCard:
 		if src.Card != nil {
 			card := &orchestratorv1.CardEndpoint{
-				CardholderName: src.Card.Cardholder,
+				CardholderName:    src.Card.Cardholder,
-				ExpMonth:       src.Card.ExpMonth,
+				CardholderSurname: src.Card.CardholderSurname,
-				ExpYear:        src.Card.ExpYear,
+				ExpMonth:          src.Card.ExpMonth,
-				Country:        src.Card.Country,
+				ExpYear:           src.Card.ExpYear,
-				MaskedPan:      src.Card.MaskedPan,
+				Country:           src.Card.Country,
+				MaskedPan:         src.Card.MaskedPan,
 			}
 			if pan := strings.TrimSpace(src.Card.Pan); pan != "" {
 				card.Card = &orchestratorv1.CardEndpoint_Pan{Pan: pan}

api/payments/orchestrator/internal/service/orchestrator/convert_card_test.go

@@ -11,12 +11,13 @@ func TestEndpointFromProtoCard(t *testing.T) {
 	protoEndpoint := &orchestratorv1.PaymentEndpoint{
 		Endpoint: &orchestratorv1.PaymentEndpoint_Card{
 			Card: &orchestratorv1.CardEndpoint{
-				Card:           &orchestratorv1.CardEndpoint_Pan{Pan: " 411111 "},
+				Card:              &orchestratorv1.CardEndpoint_Pan{Pan: " 411111 "},
-				CardholderName: " Jane Doe ",
+				CardholderName:    " Jane ",
-				ExpMonth:       12,
+				CardholderSurname: " Doe ",
-				ExpYear:        2030,
+				ExpMonth:          12,
-				Country:        " US ",
+				ExpYear:           2030,
-				MaskedPan:      " ****1111 ",
+				Country:           " US ",
+				MaskedPan:         " ****1111 ",
 			},
 		},
 		Metadata: map[string]string{"k": "v"},
@@ -29,7 +30,7 @@ func TestEndpointFromProtoCard(t *testing.T) {
 	if modelEndpoint.Card == nil {
 		t.Fatalf("card payload missing")
 	}
-	if modelEndpoint.Card.Pan != "411111" || modelEndpoint.Card.Cardholder != "Jane Doe" || modelEndpoint.Card.Country != "US" || modelEndpoint.Card.MaskedPan != "****1111" {
+	if modelEndpoint.Card.Pan != "411111" || modelEndpoint.Card.Cardholder != "Jane" || modelEndpoint.Card.CardholderSurname != "Doe" || modelEndpoint.Card.Country != "US" || modelEndpoint.Card.MaskedPan != "****1111" {
 		t.Fatalf("card payload not trimmed as expected: %#v", modelEndpoint.Card)
 	}
 	if modelEndpoint.Metadata["k"] != "v" {
@@ -41,12 +42,13 @@ func TestProtoEndpointFromModelCard(t *testing.T) {
 	modelEndpoint := model.PaymentEndpoint{
 		Type: model.EndpointTypeCard,
 		Card: &model.CardEndpoint{
-			Token:      "tok_123",
+			Token:             "tok_123",
-			Cardholder: "Jane",
+			Cardholder:        "Jane",
-			ExpMonth:   1,
+			CardholderSurname: "Doe",
-			ExpYear:    2028,
+			ExpMonth:          1,
-			Country:    "GB",
+			ExpYear:           2028,
-			MaskedPan:  "****1234",
+			Country:           "GB",
+			MaskedPan:         "****1234",
 		},
 		Metadata: map[string]string{"k": "v"},
 	}
@@ -60,7 +62,7 @@ func TestProtoEndpointFromModelCard(t *testing.T) {
 	if !ok || token.Token != "tok_123" {
 		t.Fatalf("expected token payload, got %T %#v", card.Card, card.Card)
 	}
-	if card.GetCardholderName() != "Jane" || card.GetCountry() != "GB" || card.GetMaskedPan() != "****1234" {
+	if card.GetCardholderName() != "Jane" || card.GetCardholderSurname() != "Doe" || card.GetCountry() != "GB" || card.GetMaskedPan() != "****1234" {
 		t.Fatalf("card details mismatch: %#v", card)
 	}
 	if protoEndpoint.GetMetadata()["k"] != "v" {

api/payments/orchestrator/storage/model/payment.go

@@ -82,13 +82,14 @@ type ExternalChainEndpoint struct {
 
 // CardEndpoint describes a card payout destination.
 type CardEndpoint struct {
-	Pan        string `bson:"pan,omitempty" json:"pan,omitempty"`
+	Pan               string `bson:"pan,omitempty" json:"pan,omitempty"`
-	Token      string `bson:"token,omitempty" json:"token,omitempty"`
+	Token             string `bson:"token,omitempty" json:"token,omitempty"`
-	Cardholder string `bson:"cardholder,omitempty" json:"cardholder,omitempty"`
+	Cardholder        string `bson:"cardholder,omitempty" json:"cardholder,omitempty"`
-	ExpMonth   uint32 `bson:"expMonth,omitempty" json:"expMonth,omitempty"`
+	CardholderSurname string `bson:"cardholderSurname,omitempty" json:"cardholderSurname,omitempty"`
-	ExpYear    uint32 `bson:"expYear,omitempty" json:"expYear,omitempty"`
+	ExpMonth          uint32 `bson:"expMonth,omitempty" json:"expMonth,omitempty"`
-	Country    string `bson:"country,omitempty" json:"country,omitempty"`
+	ExpYear           uint32 `bson:"expYear,omitempty" json:"expYear,omitempty"`
-	MaskedPan  string `bson:"maskedPan,omitempty" json:"maskedPan,omitempty"`
+	Country           string `bson:"country,omitempty" json:"country,omitempty"`
+	MaskedPan         string `bson:"maskedPan,omitempty" json:"maskedPan,omitempty"`
 }
 
 // CardPayout stores gateway payout tracking info.
@@ -134,6 +135,21 @@ type PaymentIntent struct {
 	FeePolicy      *feesv1.PolicyOverrides       `bson:"feePolicy,omitempty" json:"feePolicy,omitempty"`
 	SettlementMode orchestratorv1.SettlementMode `bson:"settlementMode,omitempty" json:"settlementMode,omitempty"`
 	Attributes     map[string]string             `bson:"attributes,omitempty" json:"attributes,omitempty"`
+	Customer       *Customer                     `bson:"customer,omitempty" json:"customer,omitempty"`
+}
+
+// Customer captures payer/recipient identity details for downstream processing.
+type Customer struct {
+	ID         string `bson:"id,omitempty" json:"id,omitempty"`
+	FirstName  string `bson:"firstName,omitempty" json:"firstName,omitempty"`
+	MiddleName string `bson:"middleName,omitempty" json:"middleName,omitempty"`
+	LastName   string `bson:"lastName,omitempty" json:"lastName,omitempty"`
+	IP         string `bson:"ip,omitempty" json:"ip,omitempty"`
+	Zip        string `bson:"zip,omitempty" json:"zip,omitempty"`
+	Country    string `bson:"country,omitempty" json:"country,omitempty"`
+	State      string `bson:"state,omitempty" json:"state,omitempty"`
+	City       string `bson:"city,omitempty" json:"city,omitempty"`
+	Address    string `bson:"address,omitempty" json:"address,omitempty"`
 }
 
 // PaymentQuoteSnapshot stores the latest quote info.
@@ -172,8 +188,8 @@ type ExecutionStep struct {
 
 // ExecutionPlan captures the ordered list of steps to execute a payment.
 type ExecutionPlan struct {
-	Steps            []*ExecutionStep `bson:"steps,omitempty" json:"steps,omitempty"`
+	Steps           []*ExecutionStep `bson:"steps,omitempty" json:"steps,omitempty"`
-	TotalNetworkFee  *moneyv1.Money   `bson:"totalNetworkFee,omitempty" json:"totalNetworkFee,omitempty"`
+	TotalNetworkFee *moneyv1.Money   `bson:"totalNetworkFee,omitempty" json:"totalNetworkFee,omitempty"`
 }
 
 // Payment persists orchestrated payment lifecycle.
@@ -231,6 +247,18 @@ func (p *Payment) Normalize() {
 			p.Intent.Attributes[k] = strings.TrimSpace(v)
 		}
 	}
+	if p.Intent.Customer != nil {
+		p.Intent.Customer.ID = strings.TrimSpace(p.Intent.Customer.ID)
+		p.Intent.Customer.FirstName = strings.TrimSpace(p.Intent.Customer.FirstName)
+		p.Intent.Customer.MiddleName = strings.TrimSpace(p.Intent.Customer.MiddleName)
+		p.Intent.Customer.LastName = strings.TrimSpace(p.Intent.Customer.LastName)
+		p.Intent.Customer.IP = strings.TrimSpace(p.Intent.Customer.IP)
+		p.Intent.Customer.Zip = strings.TrimSpace(p.Intent.Customer.Zip)
+		p.Intent.Customer.Country = strings.TrimSpace(p.Intent.Customer.Country)
+		p.Intent.Customer.State = strings.TrimSpace(p.Intent.Customer.State)
+		p.Intent.Customer.City = strings.TrimSpace(p.Intent.Customer.City)
+		p.Intent.Customer.Address = strings.TrimSpace(p.Intent.Customer.Address)
+	}
 	if p.Execution != nil {
 		p.Execution.DebitEntryRef = strings.TrimSpace(p.Execution.DebitEntryRef)
 		p.Execution.CreditEntryRef = strings.TrimSpace(p.Execution.CreditEntryRef)
@@ -293,6 +321,7 @@ func normalizeEndpoint(ep *PaymentEndpoint) {
 			ep.Card.Pan = strings.TrimSpace(ep.Card.Pan)
 			ep.Card.Token = strings.TrimSpace(ep.Card.Token)
 			ep.Card.Cardholder = strings.TrimSpace(ep.Card.Cardholder)
+			ep.Card.CardholderSurname = strings.TrimSpace(ep.Card.CardholderSurname)
 			ep.Card.Country = strings.TrimSpace(ep.Card.Country)
 			ep.Card.MaskedPan = strings.TrimSpace(ep.Card.MaskedPan)
 		}

api/proto/payments/orchestrator/v1/orchestrator.proto

@@ -112,6 +112,20 @@ message PaymentIntent {
   fees.v1.PolicyOverrides fee_policy = 7;
   map<string, string> attributes = 8;
   SettlementMode settlement_mode = 9;
+  Customer customer = 10;
+}
+
+message Customer {
+  string id = 1;
+  string first_name = 2;
+  string middle_name = 3;
+  string last_name = 4;
+  string ip = 5;
+  string zip = 6;
+  string country = 7;
+  string state = 8;
+  string city = 9;
+  string address = 10;
 }
 
 message PaymentQuote {

api/server/interface/api/srequest/customer.go

@@ -0,0 +1,15 @@
+package srequest
+
+// Customer captures payer/recipient identity details for downstream processing.
+type Customer struct {
+	ID         string `json:"id,omitempty"`
+	FirstName  string `json:"first_name,omitempty"`
+	MiddleName string `json:"middle_name,omitempty"`
+	LastName   string `json:"last_name,omitempty"`
+	IP         string `json:"ip,omitempty"`
+	Zip        string `json:"zip,omitempty"`
+	Country    string `json:"country,omitempty"`
+	State      string `json:"state,omitempty"`
+	City       string `json:"city,omitempty"`
+	Address    string `json:"address,omitempty"`
+}

api/server/interface/api/srequest/payment_intent.go

@@ -13,6 +13,7 @@ type PaymentIntent struct {
 	FX             *FXIntent         `json:"fx,omitempty"`
 	SettlementMode SettlementMode    `json:"settlement_mode,omitempty"`
 	Attributes     map[string]string `json:"attributes,omitempty"`
+	Customer       *Customer         `json:"customer,omitempty"`
 }
 
 type AssetResolverStub struct{}

api/server/interface/api/sresponse/payment.go

@@ -7,6 +7,7 @@ import (
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/model"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	paginationv1 "github.com/tech/sendico/pkg/proto/common/pagination/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 )
@@ -75,7 +76,8 @@ type paymentQuotesResponse struct {
 
 type paymentsResponse struct {
 	authResponse `json:",inline"`
-	Payments     []Payment `json:"payments"`
+	Payments     []Payment                        `json:"payments"`
+	Page         *paginationv1.CursorPageResponse `json:"page,omitempty"`
 }
 
 type paymentResponse struct {
@@ -107,6 +109,15 @@ func PaymentsResponse(logger mlogger.Logger, payments []*orchestratorv1.Payment,
 	})
 }
 
+// PaymentsList wraps a list of payments with refreshed access token and pagination data.
+func PaymentsListResponse(logger mlogger.Logger, resp *orchestratorv1.ListPaymentsResponse, token *TokenData) http.HandlerFunc {
+	return response.Ok(logger, paymentsResponse{
+		Payments:     toPayments(resp.GetPayments()),
+		Page:         resp.GetPage(),
+		authResponse: authResponse{AccessToken: *token},
+	})
+}
+
 // Payment wraps a payment with refreshed access token.
 func PaymentResponse(logger mlogger.Logger, payment *orchestratorv1.Payment, token *TokenData) http.HandlerFunc {
 	return response.Ok(logger, paymentResponse{

api/server/internal/server/paymentapiimp/customer.go

@@ -0,0 +1,25 @@
+package paymentapiimp
+
+import (
+	"net"
+	"strings"
+
+	"github.com/tech/sendico/server/interface/api/srequest"
+)
+
+func applyCustomerIP(intent *srequest.PaymentIntent, remoteAddr string) {
+	if intent == nil {
+		return
+	}
+	ip := strings.TrimSpace(remoteAddr)
+	if ip == "" {
+		return
+	}
+	if host, _, err := net.SplitHostPort(ip); err == nil && host != "" {
+		ip = host
+	}
+	if intent.Customer == nil {
+		intent.Customer = &srequest.Customer{}
+	}
+	intent.Customer.IP = strings.TrimSpace(ip)
+}

api/server/internal/server/paymentapiimp/list.go

@@ -0,0 +1,153 @@
+package paymentapiimp
+
+import (
+	"net/http"
+	"strconv"
+	"strings"
+
+	"github.com/tech/sendico/pkg/api/http/response"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/model"
+	"github.com/tech/sendico/pkg/mutil/mzap"
+	paginationv1 "github.com/tech/sendico/pkg/proto/common/pagination/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"github.com/tech/sendico/server/interface/api/sresponse"
+	mutil "github.com/tech/sendico/server/internal/mutil/param"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+const maxInt32 = int64(1<<31 - 1)
+
+func (a *PaymentAPI) listPayments(r *http.Request, account *model.Account, token *sresponse.TokenData) http.HandlerFunc {
+	orgRef, err := a.oph.GetRef(r)
+	if err != nil {
+		a.logger.Warn("Failed to parse organization reference for payments list", zap.Error(err), mutil.PLog(a.oph, r))
+		return response.BadReference(a.logger, a.Name(), a.oph.Name(), a.oph.GetID(r), err)
+	}
+
+	ctx := r.Context()
+	allowed, err := a.enf.Enforce(ctx, a.permissionRef, account.ID, orgRef, primitive.NilObjectID, model.ActionRead)
+	if err != nil {
+		a.logger.Warn("Failed to check payments access permissions", zap.Error(err), mutil.PLog(a.oph, r))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+	if !allowed {
+		a.logger.Debug("Access denied when listing payments", mutil.PLog(a.oph, r))
+		return response.AccessDenied(a.logger, a.Name(), "payments read permission denied")
+	}
+
+	req := &orchestratorv1.ListPaymentsRequest{
+		Meta: &orchestratorv1.RequestMeta{
+			OrganizationRef: orgRef.Hex(),
+		},
+	}
+
+	if page, err := listPaymentsPage(r); err != nil {
+		return response.Auto(a.logger, a.Name(), err)
+	} else if page != nil {
+		req.Page = page
+	}
+
+	query := r.URL.Query()
+	if sourceRef := strings.TrimSpace(query.Get("source_ref")); sourceRef != "" {
+		req.SourceRef = sourceRef
+	}
+	if destinationRef := strings.TrimSpace(query.Get("destination_ref")); destinationRef != "" {
+		req.DestinationRef = destinationRef
+	}
+
+	if states, err := parsePaymentStateFilters(r); err != nil {
+		return response.Auto(a.logger, a.Name(), err)
+	} else if len(states) > 0 {
+		req.FilterStates = states
+	}
+
+	resp, err := a.client.ListPayments(ctx, req)
+	if err != nil {
+		a.logger.Warn("Failed to list payments", zap.Error(err), mzap.ObjRef("organization_ref", orgRef))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+
+	return sresponse.PaymentsListResponse(a.logger, resp, token)
+}
+
+func listPaymentsPage(r *http.Request) (*paginationv1.CursorPageRequest, error) {
+	query := r.URL.Query()
+	cursor := strings.TrimSpace(query.Get("cursor"))
+	limitRaw := strings.TrimSpace(query.Get("limit"))
+
+	var limit int64
+	hasLimit := false
+	if limitRaw != "" {
+		parsed, err := strconv.ParseInt(limitRaw, 10, 32)
+		if err != nil {
+			return nil, merrors.InvalidArgument("invalid limit", "limit")
+		}
+		limit = parsed
+		hasLimit = true
+	}
+
+	if cursor == "" && !hasLimit {
+		return nil, nil
+	}
+
+	page := &paginationv1.CursorPageRequest{
+		Cursor: cursor,
+	}
+	if hasLimit {
+		if limit < 0 {
+			limit = 0
+		} else if limit > maxInt32 {
+			limit = maxInt32
+		}
+		page.Limit = int32(limit)
+	}
+
+	return page, nil
+}
+
+func parsePaymentStateFilters(r *http.Request) ([]orchestratorv1.PaymentState, error) {
+	query := r.URL.Query()
+	values := append([]string{}, query["state"]...)
+	values = append(values, query["states"]...)
+	values = append(values, query["filter_states"]...)
+	if len(values) == 0 {
+		return nil, nil
+	}
+
+	states := make([]orchestratorv1.PaymentState, 0, len(values))
+	for _, raw := range values {
+		for _, part := range strings.Split(raw, ",") {
+			trimmed := strings.TrimSpace(part)
+			if trimmed == "" {
+				continue
+			}
+			state, ok := paymentStateFromString(trimmed)
+			if !ok {
+				return nil, merrors.InvalidArgument("unsupported payment state: "+trimmed, "state")
+			}
+			states = append(states, state)
+		}
+	}
+
+	if len(states) == 0 {
+		return nil, nil
+	}
+	return states, nil
+}
+
+func paymentStateFromString(value string) (orchestratorv1.PaymentState, bool) {
+	upper := strings.ToUpper(strings.TrimSpace(value))
+	if upper == "" {
+		return 0, false
+	}
+	if !strings.HasPrefix(upper, "PAYMENT_STATE_") {
+		upper = "PAYMENT_STATE_" + upper
+	}
+	enumValue, ok := orchestratorv1.PaymentState_value[upper]
+	if !ok {
+		return 0, false
+	}
+	return orchestratorv1.PaymentState(enumValue), true
+}

api/server/internal/server/paymentapiimp/mapper.go

@@ -50,6 +50,7 @@ func mapPaymentIntent(intent *srequest.PaymentIntent) (*orchestratorv1.PaymentIn
 		Fx:             fx,
 		SettlementMode: settlementMode,
 		Attributes:     copyStringMap(intent.Attributes),
+		Customer:       mapCustomer(intent.Customer),
 	}, nil
 }
 
@@ -200,6 +201,24 @@ func mapFXIntent(fx *srequest.FXIntent) (*orchestratorv1.FXIntent, error) {
 	}, nil
 }
 
+func mapCustomer(customer *srequest.Customer) *orchestratorv1.Customer {
+	if customer == nil {
+		return nil
+	}
+	return &orchestratorv1.Customer{
+		Id:         strings.TrimSpace(customer.ID),
+		FirstName:  strings.TrimSpace(customer.FirstName),
+		MiddleName: strings.TrimSpace(customer.MiddleName),
+		LastName:   strings.TrimSpace(customer.LastName),
+		Ip:         strings.TrimSpace(customer.IP),
+		Zip:        strings.TrimSpace(customer.Zip),
+		Country:    strings.TrimSpace(customer.Country),
+		State:      strings.TrimSpace(customer.State),
+		City:       strings.TrimSpace(customer.City),
+		Address:    strings.TrimSpace(customer.Address),
+	}
+}
+
 func mapCurrencyPair(pair *srequest.CurrencyPair) *fxv1.CurrencyPair {
 	if pair == nil {
 		return nil

api/server/internal/server/paymentapiimp/pay.go

@@ -59,6 +59,7 @@ func (a *PaymentAPI) initiatePayment(r *http.Request, account *model.Account, to
 
 	var intent *orchestratorv1.PaymentIntent
 	if payload.Intent != nil {
+		applyCustomerIP(payload.Intent, r.RemoteAddr)
 		intent, err = mapPaymentIntent(payload.Intent)
 		if err != nil {
 			return response.BadPayload(a.logger, a.Name(), err)

api/server/internal/server/paymentapiimp/quote.go

@@ -44,6 +44,7 @@ func (a *PaymentAPI) quotePayment(r *http.Request, account *model.Account, token
 		return response.Auto(a.logger, a.Name(), err)
 	}
 
+	applyCustomerIP(&payload.Intent, r.RemoteAddr)
 	intent, err := mapPaymentIntent(&payload.Intent)
 	if err != nil {
 		a.logger.Debug("Failed to map payment intent", zap.Error(err), mutil.PLog(a.oph, r))
@@ -97,6 +98,7 @@ func (a *PaymentAPI) quotePayments(r *http.Request, account *model.Account, toke
 
 	intents := make([]*orchestratorv1.PaymentIntent, 0, len(payload.Intents))
 	for i := range payload.Intents {
+		applyCustomerIP(&payload.Intents[i], r.RemoteAddr)
 		intent, err := mapPaymentIntent(&payload.Intents[i])
 		if err != nil {
 			a.logger.Debug("Failed to map payment intent", zap.Error(err), mutil.PLog(a.oph, r))

api/server/internal/server/paymentapiimp/service.go

@@ -25,6 +25,7 @@ type paymentClient interface {
 	QuotePayments(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) (*orchestratorv1.QuotePaymentsResponse, error)
 	InitiatePayments(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) (*orchestratorv1.InitiatePaymentsResponse, error)
 	InitiatePayment(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) (*orchestratorv1.InitiatePaymentResponse, error)
+	ListPayments(ctx context.Context, req *orchestratorv1.ListPaymentsRequest) (*orchestratorv1.ListPaymentsResponse, error)
 	Close() error
 }
 
@@ -72,6 +73,7 @@ func CreateAPI(apiCtx eapi.API) (*PaymentAPI, error) {
 	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/immediate"), api.Post, p.initiateImmediate)
 	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/by-quote"), api.Post, p.initiateByQuote)
 	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/by-multiquote"), api.Post, p.initiatePaymentsByQuote)
+	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/"), api.Get, p.listPayments)
 
 	return p, nil
 }

frontend/pshared/lib/api/responses/payment/payments.dart

@@ -0,0 +1,20 @@
+import 'package:json_annotation/json_annotation.dart';
+
+import 'package:pshared/api/responses/base.dart';
+import 'package:pshared/api/responses/token.dart';
+import 'package:pshared/data/dto/payment/payment.dart';
+
+part 'payments.g.dart';
+
+
+@JsonSerializable(explicitToJson: true)
+class PaymentsResponse extends BaseAuthorizedResponse {
+
+  final List<PaymentDTO> payments;
+
+  const PaymentsResponse({required super.accessToken, required this.payments});
+
+  factory PaymentsResponse.fromJson(Map<String, dynamic> json) => _$PaymentsResponseFromJson(json);
+  @override
+  Map<String, dynamic> toJson() => _$PaymentsResponseToJson(this);
+}

frontend/pshared/lib/data/dto/payment/intent/customer.dart

@@ -0,0 +1,41 @@
+import 'package:json_annotation/json_annotation.dart';
+
+part 'customer.g.dart';
+
+
+@JsonSerializable()
+class CustomerDTO {
+  final String id;
+
+  @JsonKey(name: 'first_name')
+  final String? firstName;
+
+  @JsonKey(name: 'middle_name')
+  final String? middleName;
+
+  @JsonKey(name: 'last_name')
+  final String? lastName;
+
+  final String? ip;
+  final String? zip;
+  final String? country;
+  final String? state;
+  final String? city;
+  final String? address;
+
+  const CustomerDTO({
+    required this.id,
+    this.firstName,
+    this.middleName,
+    this.lastName,
+    this.ip,
+    this.zip,
+    this.country,
+    this.state,
+    this.city,
+    this.address,
+  });
+
+  factory CustomerDTO.fromJson(Map<String, dynamic> json) => _$CustomerDTOFromJson(json);
+  Map<String, dynamic> toJson() => _$CustomerDTOToJson(this);
+}

frontend/pshared/lib/data/dto/payment/intent/payment.dart

@@ -1,6 +1,7 @@
 import 'package:json_annotation/json_annotation.dart';
 
 import 'package:pshared/data/dto/payment/endpoint.dart';
+import 'package:pshared/data/dto/payment/intent/customer.dart';
 import 'package:pshared/data/dto/payment/intent/fx.dart';
 import 'package:pshared/data/dto/payment/money.dart';
 
@@ -20,6 +21,7 @@ class PaymentIntentDTO {
   final String? settlementMode;
 
   final Map<String, String>? attributes;
+  final CustomerDTO? customer;
 
   const PaymentIntentDTO({
     this.kind,
@@ -29,6 +31,7 @@ class PaymentIntentDTO {
     this.fx,
     this.settlementMode,
     this.attributes,
+    this.customer,
   });
 
   factory PaymentIntentDTO.fromJson(Map<String, dynamic> json) => _$PaymentIntentDTOFromJson(json);

frontend/pshared/lib/data/mapper/payment/intent/customer.dart

@@ -0,0 +1,33 @@
+import 'package:pshared/data/dto/payment/intent/customer.dart';
+import 'package:pshared/models/payment/customer.dart';
+
+
+extension CustomerMapper on Customer {
+  CustomerDTO toDTO() => CustomerDTO(
+    id: id,
+    firstName: firstName,
+    middleName: middleName,
+    lastName: lastName,
+    ip: ip,
+    zip: zip,
+    country: country,
+    state: state,
+    city: city,
+    address: address,
+  );
+}
+
+extension CustomerDTOMapper on CustomerDTO {
+  Customer toDomain() => Customer(
+    id: id,
+    firstName: firstName,
+    middleName: middleName,
+    lastName: lastName,
+    ip: ip,
+    zip: zip,
+    country: country,
+    state: state,
+    city: city,
+    address: address,
+  );
+}

frontend/pshared/lib/data/mapper/payment/intent/payment.dart

@@ -1,30 +1,34 @@
 import 'package:pshared/data/dto/payment/intent/payment.dart';
 import 'package:pshared/data/mapper/payment/payment.dart';
 import 'package:pshared/data/mapper/payment/enums.dart';
+import 'package:pshared/data/mapper/payment/intent/customer.dart';
 import 'package:pshared/data/mapper/payment/intent/fx.dart';
 import 'package:pshared/data/mapper/payment/money.dart';
 import 'package:pshared/models/payment/intent.dart';
 
+
 extension PaymentIntentMapper on PaymentIntent {
   PaymentIntentDTO toDTO() => PaymentIntentDTO(
-        kind: paymentKindToValue(kind),
+    kind: paymentKindToValue(kind),
-        source: source?.toDTO(),
+    source: source?.toDTO(),
-        destination: destination?.toDTO(),
+    destination: destination?.toDTO(),
-        amount: amount?.toDTO(),
+    amount: amount?.toDTO(),
-        fx: fx?.toDTO(),
+    fx: fx?.toDTO(),
-        settlementMode: settlementModeToValue(settlementMode),
+    settlementMode: settlementModeToValue(settlementMode),
-        attributes: attributes,
+    attributes: attributes,
-      );
+    customer: customer?.toDTO(),
+  );
 }
 
 extension PaymentIntentDTOMapper on PaymentIntentDTO {
   PaymentIntent toDomain() => PaymentIntent(
-        kind: paymentKindFromValue(kind),
+    kind: paymentKindFromValue(kind),
-        source: source?.toDomain(),
+    source: source?.toDomain(),
-        destination: destination?.toDomain(),
+    destination: destination?.toDomain(),
-        amount: amount?.toDomain(),
+    amount: amount?.toDomain(),
-        fx: fx?.toDomain(),
+    fx: fx?.toDomain(),
-        settlementMode: settlementModeFromValue(settlementMode),
+    settlementMode: settlementModeFromValue(settlementMode),
-        attributes: attributes,
+    attributes: attributes,
-      );
+    customer: customer?.toDomain(),
+  );
 }

frontend/pshared/lib/data/mapper/payment/payment.dart

@@ -2,16 +2,25 @@ import 'package:pshared/data/dto/payment/card.dart';
 import 'package:pshared/data/dto/payment/card_token.dart';
 import 'package:pshared/data/dto/payment/endpoint.dart';
 import 'package:pshared/data/dto/payment/external_chain.dart';
+import 'package:pshared/data/dto/payment/iban.dart';
 import 'package:pshared/data/dto/payment/ledger.dart';
 import 'package:pshared/data/dto/payment/managed_wallet.dart';
+import 'package:pshared/data/dto/payment/russian_bank.dart';
+import 'package:pshared/data/dto/payment/wallet.dart';
 import 'package:pshared/data/mapper/payment/asset.dart';
+import 'package:pshared/data/mapper/payment/iban.dart';
 import 'package:pshared/data/mapper/payment/type.dart';
+import 'package:pshared/data/mapper/payment/russian_bank.dart';
+import 'package:pshared/data/mapper/payment/wallet.dart';
 import 'package:pshared/models/payment/methods/card.dart';
 import 'package:pshared/models/payment/methods/card_token.dart';
 import 'package:pshared/models/payment/methods/crypto_address.dart';
 import 'package:pshared/models/payment/methods/data.dart';
+import 'package:pshared/models/payment/methods/iban.dart';
 import 'package:pshared/models/payment/methods/ledger.dart';
 import 'package:pshared/models/payment/methods/managed_wallet.dart';
+import 'package:pshared/models/payment/methods/russian_bank.dart';
+import 'package:pshared/models/payment/methods/wallet.dart';
 import 'package:pshared/models/payment/type.dart';
 
 
@@ -75,8 +84,27 @@ extension PaymentMethodDataEndpointMapper on PaymentMethodData {
           ).toJson(),
           metadata: metadata,
         );
-      default:
+      case PaymentType.iban:
-        throw UnsupportedError('Unsupported payment endpoint type: $type');
+        final payload = this as IbanPaymentMethod;
+        return PaymentEndpointDTO(
+          type: paymentTypeToValue(type),
+          data: payload.toDTO().toJson(),
+          metadata: metadata,
+        );
+      case PaymentType.bankAccount:
+        final payload = this as RussianBankAccountPaymentMethod;
+        return PaymentEndpointDTO(
+          type: paymentTypeToValue(type),
+          data: payload.toDTO().toJson(),
+          metadata: metadata,
+        );
+      case PaymentType.wallet:
+        final payload = this as WalletPaymentMethod;
+        return PaymentEndpointDTO(
+          type: paymentTypeToValue(type),
+          data: payload.toDTO().toJson(),
+          metadata: metadata,
+        );
     }
   }
 }
@@ -126,8 +154,15 @@ extension PaymentEndpointDTOMapper on PaymentEndpointDTO {
           maskedPan: payload.maskedPan,
           metadata: metadata,
         );
-      default:
+      case PaymentType.iban:
-        throw UnsupportedError('Unsupported payment endpoint type: ${paymentTypeFromValue(type)}');
+        final payload = IbanPaymentDataDTO.fromJson(data);
+        return payload.toDomain();
+      case PaymentType.bankAccount:
+        final payload = RussianBankAccountPaymentDataDTO.fromJson(data);
+        return payload.toDomain();
+      case PaymentType.wallet:
+        final payload = WalletPaymentDataDTO.fromJson(data);
+        return payload.toDomain();
     }
   }
 }

frontend/pshared/lib/models/payment/customer.dart

@@ -0,0 +1,25 @@
+class Customer {
+  final String id;
+  final String? firstName;
+  final String? middleName;
+  final String? lastName;
+  final String? ip;
+  final String? zip;
+  final String? country;
+  final String? state;
+  final String? city;
+  final String? address;
+
+  const Customer({
+    required this.id,
+    this.firstName,
+    this.middleName,
+    this.lastName,
+    this.ip,
+    this.zip,
+    this.country,
+    this.state,
+    this.city,
+    this.address,
+  });
+}

frontend/pshared/lib/models/payment/intent.dart

@@ -1,5 +1,6 @@
 import 'package:pshared/models/payment/fx/intent.dart';
 import 'package:pshared/models/payment/kind.dart';
+import 'package:pshared/models/payment/customer.dart';
 import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/payment/money.dart';
 import 'package:pshared/models/payment/settlement_mode.dart';
@@ -13,6 +14,7 @@ class PaymentIntent {
   final FxIntent? fx;
   final SettlementMode settlementMode;
   final Map<String, String>? attributes;
+  final Customer? customer;
 
   const PaymentIntent({
     this.kind = PaymentKind.unspecified,
@@ -22,5 +24,6 @@ class PaymentIntent {
     this.fx,
     this.settlementMode = SettlementMode.unspecified,
     this.attributes,
+    this.customer,
   });
 }

frontend/pshared/lib/provider/payment/amount.dart

@@ -4,9 +4,11 @@ import 'package:flutter/material.dart';
 class PaymentAmountProvider with ChangeNotifier {
   double _amount = 10.0;
   bool _payerCoversFee = true;
+  bool _isEditing = false;
 
   double get amount => _amount;
   bool get payerCoversFee => _payerCoversFee;
+  bool get isEditing => _isEditing;
 
   void setAmount(double value) {
     _amount = value;
@@ -17,4 +19,10 @@ class PaymentAmountProvider with ChangeNotifier {
     _payerCoversFee = value;
     notifyListeners();
   }
+
+  void setEditing(bool value) {
+    if (_isEditing == value) return;
+    _isEditing = value;
+    notifyListeners();
+  }
 }

frontend/pshared/lib/provider/payment/flow.dart

@@ -1,73 +1,63 @@
+import 'package:collection/collection.dart';
 import 'package:flutter/foundation.dart';
 
 import 'package:pshared/models/payment/methods/data.dart';
+import 'package:pshared/models/payment/methods/type.dart';
 import 'package:pshared/models/payment/type.dart';
 import 'package:pshared/models/recipient/recipient.dart';
+import 'package:pshared/provider/recipient/provider.dart';
+import 'package:pshared/provider/recipient/pmethods.dart';
 
 
 class PaymentFlowProvider extends ChangeNotifier {
   PaymentType _selectedType;
+  PaymentType? _preferredType;
   PaymentMethodData? _manualPaymentData;
+  List<PaymentMethod> _recipientMethods = [];
+  Recipient? _recipient;
 
   PaymentFlowProvider({
     required PaymentType initialType,
-  }) : _selectedType = initialType;
+    PaymentType? preferredType,
+  })  : _selectedType = initialType,
+        _preferredType = preferredType ?? initialType;
 
   PaymentType get selectedType => _selectedType;
   PaymentMethodData? get manualPaymentData => _manualPaymentData;
+  Recipient? get recipient => _recipient;
+  PaymentMethod? get selectedMethod => hasRecipient
+      ? _recipientMethods.firstWhereOrNull((method) => method.type == _selectedType)
+      : null;
 
-  void sync({
+  bool get hasRecipient => _recipient != null;
-    required Recipient? recipient,
-    required MethodMap availableTypes,
-    PaymentType? preferredType,
-  }) {
-    final resolvedType = _resolveSelectedType(
-      recipient: recipient,
-      availableTypes: availableTypes,
-      preferredType: preferredType,
-    );
 
-    var hasChanges = false;
+  MethodMap get availableTypes => hasRecipient
-    if (resolvedType != _selectedType) {
+      ? _buildAvailableTypes(_recipientMethods)
-      _selectedType = resolvedType;
+      : {for (final type in PaymentType.values) type: null};
-      hasChanges = true;
-    }
 
-    if (recipient != null && _manualPaymentData != null) {
+  PaymentMethodData? get selectedPaymentData =>
-      _manualPaymentData = null;
+      hasRecipient ? selectedMethod?.data : _manualPaymentData;
-      hasChanges = true;
-    }
 
-    if (hasChanges) notifyListeners();
+  List<PaymentMethod> get methodsForRecipient => hasRecipient
-  }
+      ? List<PaymentMethod>.unmodifiable(_recipientMethods)
+      : const [];
 
-  void reset({
+  void update(
-    required Recipient? recipient,
+    RecipientsProvider recipientsProvider,
-    required MethodMap availableTypes,
+    PaymentMethodsProvider methodsProvider,
-    PaymentType? preferredType,
+  ) =>
-  }) {
+      _applyState(
-    final resolvedType = _resolveSelectedType(
+        recipient: recipientsProvider.currentObject,
-      recipient: recipient,
+        methods: methodsProvider.methodsForRecipient(recipientsProvider.currentObject),
-      availableTypes: availableTypes,
+        preferredType: _preferredType,
-      preferredType: preferredType,
+        forceResetManualData: false,
-    );
+      );
-
-    var hasChanges = false;
-
-    if (resolvedType != _selectedType) {
-      _selectedType = resolvedType;
-      hasChanges = true;
-    }
-
-    if (_manualPaymentData != null) {
-      _manualPaymentData = null;
-      hasChanges = true;
-    }
-
-    if (hasChanges) notifyListeners();
-  }
 
   void selectType(PaymentType type, {bool resetManualData = false}) {
+    if (hasRecipient && !availableTypes.containsKey(type)) {
+      return;
+    }
+
     if (_selectedType == type && (!resetManualData || _manualPaymentData == null)) {
       return;
     }
@@ -84,6 +74,20 @@ class PaymentFlowProvider extends ChangeNotifier {
     notifyListeners();
   }
 
+  void setPreferredType(PaymentType? preferredType) {
+    if (_preferredType == preferredType) {
+      return;
+    }
+
+    _preferredType = preferredType;
+    _applyState(
+      recipient: _recipient,
+      methods: _recipientMethods,
+      preferredType: _preferredType,
+      forceResetManualData: false,
+    );
+  }
+
   PaymentType _resolveSelectedType({
     required Recipient? recipient,
     required MethodMap availableTypes,
@@ -107,4 +111,56 @@ class PaymentFlowProvider extends ChangeNotifier {
 
     return availableTypes.keys.first;
   }
+
+  void _applyState({
+    required Recipient? recipient,
+    required List<PaymentMethod> methods,
+    required PaymentType? preferredType,
+    required bool forceResetManualData,
+  }) {
+    final availableTypes = _buildAvailableTypes(methods);
+    final resolvedType = _resolveSelectedType(
+      recipient: recipient,
+      availableTypes: availableTypes,
+      preferredType: preferredType,
+    );
+
+    var hasChanges = false;
+
+    if (_recipient != recipient) {
+      _recipient = recipient;
+      hasChanges = true;
+    }
+
+    if (!_hasSameMethods(methods)) {
+      _recipientMethods = methods;
+      hasChanges = true;
+    }
+
+    if (resolvedType != _selectedType) {
+      _selectedType = resolvedType;
+      hasChanges = true;
+    }
+
+    if ((recipient != null || forceResetManualData) && _manualPaymentData != null) {
+      _manualPaymentData = null;
+      hasChanges = true;
+    }
+
+    if (hasChanges) notifyListeners();
+  }
+
+  MethodMap _buildAvailableTypes(List<PaymentMethod> methods) => {
+        for (final method in methods) method.type: method.data,
+      };
+
+  bool _hasSameMethods(List<PaymentMethod> methods) {
+    if (_recipientMethods.length != methods.length) return false;
+    for (var i = 0; i < methods.length; i++) {
+      final current = _recipientMethods[i];
+      final next = methods[i];
+      if (current.id != next.id || current.updatedAt != next.updatedAt) return false;
+    }
+    return true;
+  }
 }

frontend/pshared/lib/provider/payment/provider.dart

@@ -31,7 +31,7 @@ class PaymentProvider extends ChangeNotifier {
 
   Future<Payment?> pay({String? idempotencyKey, Map<String, String>? metadata}) async {
     if (!_organization.isOrganizationSet) throw StateError('Organization is not set');
-    if (!_quotation.isReady) throw StateError('Quotation is not ready');
+    if (!_quotation.hasLiveQuote) throw StateError('Quotation is not ready');
     final quoteRef = _quotation.quotation?.quoteRef;
     if (quoteRef == null || quoteRef.isEmpty) {
       throw StateError('Quotation reference is not set');

frontend/pshared/lib/provider/payment/quotation.dart

@@ -1,3 +1,6 @@
+import 'dart:async';
+import 'dart:convert';
+
 import 'package:flutter/material.dart';
 
 import 'package:collection/collection.dart';
@@ -8,18 +11,23 @@ import 'package:pshared/api/requests/payment/quote.dart';
 import 'package:pshared/data/mapper/payment/intent/payment.dart';
 import 'package:pshared/models/asset.dart';
 import 'package:pshared/models/payment/currency_pair.dart';
+import 'package:pshared/models/payment/customer.dart';
 import 'package:pshared/models/payment/fx/intent.dart';
 import 'package:pshared/models/payment/fx/side.dart';
 import 'package:pshared/models/payment/kind.dart';
 import 'package:pshared/models/payment/methods/managed_wallet.dart';
+import 'package:pshared/models/payment/methods/type.dart';
 import 'package:pshared/models/payment/money.dart';
+import 'package:pshared/models/payment/type.dart';
 import 'package:pshared/models/payment/settlement_mode.dart';
 import 'package:pshared/models/payment/intent.dart';
 import 'package:pshared/models/payment/quote.dart';
+import 'package:pshared/models/recipient/recipient.dart';
 import 'package:pshared/provider/organizations.dart';
 import 'package:pshared/provider/payment/amount.dart';
 import 'package:pshared/provider/payment/flow.dart';
 import 'package:pshared/provider/payment/wallets.dart';
+import 'package:pshared/provider/recipient/provider.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/resource.dart';
 import 'package:pshared/service/payment/quotation.dart';
@@ -30,58 +38,270 @@ class QuotationProvider extends ChangeNotifier {
   Resource<PaymentQuote> _quotation = Resource(data: null, isLoading: false, error: null);
   late OrganizationsProvider _organizations;
   bool _isLoaded = false;
+  bool _organizationAttached = false;
+  PaymentIntent? _pendingIntent;
+  String? _lastRequestSignature;
+  Timer? _debounceTimer;
+  Timer? _expirationTimer;
+  bool _autoRefreshEnabled = true;
+  bool _amountEditing = false;
+
+  static const _inputDebounce = Duration(milliseconds: 500);
+  static const _expiryGracePeriod = Duration(seconds: 1);
 
   void update(
     OrganizationsProvider venue,
     PaymentAmountProvider payment,
     WalletsProvider wallets,
     PaymentFlowProvider flow,
+    RecipientsProvider recipients,
     PaymentMethodsProvider methods,
   ) {
     _organizations = venue;
-    final t = flow.selectedType;
+    _organizationAttached = true;
-    final method = methods.methods.firstWhereOrNull((m) => m.type == t);
+    final wasEditing = _amountEditing;
-    if ((wallets.selectedWallet != null) && (method != null)) {
+    _amountEditing = payment.isEditing;
-      getQuotation(PaymentIntent(
+    final editingJustEnded = wasEditing && !_amountEditing;
-        kind: PaymentKind.payout,
+    _pendingIntent = _buildIntent(
-        amount: Money(
+      payment: payment,
-          amount: payment.amount.toString(), 
+      wallets: wallets,
-          // TODO: adapt to possible other sources
+      flow: flow,
-          currency: currencyCodeToString(wallets.selectedWallet!.currency),
+      recipients: recipients,
-        ),
+      methods: methods,
-        destination: method.data,
+    );
-        source: ManagedWalletPaymentMethod(
+
-          managedWalletRef: wallets.selectedWallet!.id,
+    if (_pendingIntent == null) {
-        ),
+      _reset();
-        fx: FxIntent(
+      return;
-          pair: CurrencyPair(
-            base: currencyCodeToString(wallets.selectedWallet!.currency), 
-            quote: 'RUB', // TODO: exentd target currencies
-          ),
-          side: FxSide.sellBaseBuyQuote,
-        ),
-        settlementMode: payment.payerCoversFee ? SettlementMode.fixReceived : SettlementMode.fixSource,
-      ));
     }
+
+    if (_amountEditing) {
+      _debounceTimer?.cancel();
+      return;
+    }
+
+    if (editingJustEnded) {
+      refreshNow(force: false);
+      return;
+    }
+
+    _scheduleQuotationRefresh();
   }
 
-  PaymentQuote? get quotation => _quotation.data;
+  PaymentQuote? get quotation => hasQuoteForCurrentIntent ? _quotation.data : null;
+  bool get isLoading => _quotation.isLoading;
+  Exception? get error => _quotation.error;
+  bool get autoRefreshEnabled => _autoRefreshEnabled;
+  bool get canRequestQuote => _organizationAttached && _pendingIntent != null && _organizations.isOrganizationSet;
 
-  bool get isReady => _isLoaded && !_quotation.isLoading && _quotation.error == null;
+  bool get _isExpired {
+    final remaining = timeToExpire;
+    return remaining != null && remaining <= Duration.zero;
+  }
 
-  Asset? get fee => quotation == null ? null : createAsset(quotation!.expectedFeeTotal!.currency, quotation!.expectedFeeTotal!.amount);
+  bool get hasQuoteForCurrentIntent {
-  Asset? get total => quotation == null ? null : createAsset(quotation!.debitAmount!.currency, quotation!.debitAmount!.amount);
+    if (_pendingIntent == null || _lastRequestSignature == null) return false;
-  Asset? get recipientGets => quotation == null ? null : createAsset(quotation!.expectedSettlementAmount!.currency, quotation!.expectedSettlementAmount!.amount);
+    return _lastRequestSignature == _signature(_pendingIntent!);
+  }
+
+  bool get isReady => _isLoaded && !_isExpired && !_quotation.isLoading && _quotation.error == null;
+
+  bool get hasLiveQuote => isReady && quotation != null;
+
+  Duration? get timeToExpire {
+    final expiresAt = _quoteExpiry;
+    if (expiresAt == null) return null;
+    final diff = expiresAt.difference(DateTime.now().toUtc());
+    return diff.isNegative ? Duration.zero : diff;
+  }
+
+  Asset? get fee => quotation == null
+      ? null
+      : createAsset(
+          quotation!.expectedFeeTotal!.currency,
+          quotation!.expectedFeeTotal!.amount,
+        );
+  Asset? get total => quotation == null
+      ? null
+      : createAsset(
+          quotation!.debitAmount!.currency,
+          quotation!.debitAmount!.amount,
+        );
+  Asset? get recipientGets => quotation == null
+      ? null
+      : createAsset(
+          quotation!.expectedSettlementAmount!.currency,
+          quotation!.expectedSettlementAmount!.amount,
+        );
+
+  Customer _buildCustomer({
+    required Recipient? recipient,
+    required PaymentMethod method,
+  }) {
+    final name = _resolveCustomerName(method, recipient);
+    String? firstName;
+    String? middleName;
+    String? lastName;
+
+    if (name != null && name.isNotEmpty) {
+      final parts = name.split(RegExp(r'\s+'));
+      if (parts.length == 1) {
+        firstName = parts.first;
+      } else if (parts.length == 2) {
+        firstName = parts.first;
+        lastName = parts.last;
+      } else {
+        firstName = parts.first;
+        lastName = parts.last;
+        middleName = parts.sublist(1, parts.length - 1).join(' ');
+      }
+    }
+
+    return Customer(
+      id: recipient?.id ?? method.recipientRef,
+      firstName: firstName,
+      middleName: middleName,
+      lastName: lastName,
+      country: method.cardData?.country,
+    );
+  }
+
+  String? _resolveCustomerName(PaymentMethod method, Recipient? recipient) {
+    final card = method.cardData;
+    if (card != null) {
+      return '${card.firstName} ${card.lastName}'.trim();
+    }
+
+    final iban = method.ibanData;
+    if (iban != null && iban.accountHolder.trim().isNotEmpty) {
+      return iban.accountHolder.trim();
+    }
+
+    final bank = method.bankAccountData;
+    if (bank != null && bank.recipientName.trim().isNotEmpty) {
+      return bank.recipientName.trim();
+    }
+
+    final recipientName = recipient?.name.trim();
+    return recipientName?.isNotEmpty == true ? recipientName : null;
+  }
 
   void _setResource(Resource<PaymentQuote> quotation) {
     _quotation = quotation;
     notifyListeners();
   }
 
-  Future<PaymentQuote?> getQuotation(PaymentIntent intent) async {
+  void refreshNow({bool force = true}) {
-    if (!_organizations.isOrganizationSet) throw StateError('Organization is not set');
+    _debounceTimer?.cancel();
+    if (!canRequestQuote) {
+      if (_pendingIntent == null) {
+        _reset();
+      }
+      return;
+    }
+    unawaited(_requestQuotation(_pendingIntent!, force: force));
+  }
+
+  void setAutoRefresh(bool enabled) {
+    if (!_organizationAttached) return;
+    if (_autoRefreshEnabled == enabled) return;
+    _autoRefreshEnabled = enabled;
+    if (_autoRefreshEnabled && (!hasLiveQuote || _isExpired) && _pendingIntent != null) {
+      unawaited(_requestQuotation(_pendingIntent!, force: true));
+    } else {
+      _startExpirationTimer();
+      notifyListeners();
+    }
+  }
+
+  @override
+  void dispose() {
+    _debounceTimer?.cancel();
+    _expirationTimer?.cancel();
+    super.dispose();
+  }
+
+  PaymentIntent? _buildIntent({
+    required PaymentAmountProvider payment,
+    required WalletsProvider wallets,
+    required PaymentFlowProvider flow,
+    required RecipientsProvider recipients,
+    required PaymentMethodsProvider methods,
+  }) {
+    if (!_organizationAttached || !_organizations.isOrganizationSet) return null;
+    final type = flow.selectedType;
+    final method = methods.methods.firstWhereOrNull((m) => m.type == type);
+    final wallet = wallets.selectedWallet;
+
+    if (wallet == null || method == null) return null;
+
+    final customer = _buildCustomer(
+      recipient: recipients.currentObject,
+      method: method,
+    );
+
+    return PaymentIntent(
+      kind: PaymentKind.payout,
+      amount: Money(
+        amount: payment.amount.toString(),
+        // TODO: adapt to possible other sources
+        currency: currencyCodeToString(wallet.currency),
+      ),
+      destination: method.data,
+      source: ManagedWalletPaymentMethod(
+        managedWalletRef: wallet.id,
+      ),
+      fx: FxIntent(
+        pair: CurrencyPair(
+          base: currencyCodeToString(wallet.currency),
+          quote: 'RUB', // TODO: exentd target currencies
+        ),
+        side: FxSide.sellBaseBuyQuote,
+      ),
+      settlementMode: payment.payerCoversFee ? SettlementMode.fixReceived : SettlementMode.fixSource,
+      customer: customer,
+    );
+  }
+
+  void _scheduleQuotationRefresh() {
+    _debounceTimer?.cancel();
+    if (_pendingIntent == null) {
+      _reset();
+      return;
+    }
+
+    _debounceTimer = Timer(_inputDebounce, () {
+      unawaited(_requestQuotation(_pendingIntent!, force: false));
+    });
+  }
+
+  Future<PaymentQuote?> _requestQuotation(PaymentIntent intent, {required bool force}) async {
+    if (!_organizationAttached || !_organizations.isOrganizationSet) {
+      _reset();
+      return null;
+    }
+
+    final destinationType = intent.destination?.type;
+    if (destinationType == PaymentType.bankAccount) {
+      _setResource(
+        _quotation.copyWith(
+          data: null,
+          isLoading: false,
+          error: Exception('Unsupported payment endpoint type: $destinationType'),
+        ),
+      );
+      return null;
+    }
+
+    final signature = _signature(intent);
+    final isSameIntent = _lastRequestSignature == signature;
+    if (!force && isSameIntent && hasLiveQuote) {
+      _startExpirationTimer();
+      return _quotation.data;
+    }
+
+    _setResource(_quotation.copyWith(isLoading: true, error: null));
     try {
-      _quotation = _quotation.copyWith(isLoading: true, error: null);
       final response = await QuotationService.getQuotation(
         _organizations.current.id,
         QuotePaymentRequest(
@@ -90,7 +310,9 @@ class QuotationProvider extends ChangeNotifier {
         ),
       );
       _isLoaded = true;
+      _lastRequestSignature = signature;
       _setResource(_quotation.copyWith(data: response, isLoading: false, error: null));
+      _startExpirationTimer();
     } catch (e) {
       _setResource(_quotation.copyWith(
         data: null,
@@ -98,13 +320,68 @@ class QuotationProvider extends ChangeNotifier {
         isLoading: false,
       ));
     }
-    notifyListeners();
     return _quotation.data;
   }
 
-  void reset() {
+  void _startExpirationTimer() {
-    _setResource(Resource(data: null, isLoading: false, error: null));
+    _expirationTimer?.cancel();
+    final remaining = timeToExpire;
+    if (remaining == null) return;
+
+    final triggerOffset = _autoRefreshEnabled ? _expiryGracePeriod : Duration.zero;
+    final duration = remaining > triggerOffset ? remaining - triggerOffset : Duration.zero;
+    _expirationTimer = Timer(duration, () {
+      if (_autoRefreshEnabled && _pendingIntent != null) {
+        unawaited(_requestQuotation(_pendingIntent!, force: true));
+      } else {
+        notifyListeners();
+      }
+    });
+  }
+
+  void _reset() {
+    _debounceTimer?.cancel();
+    _expirationTimer?.cancel();
+    _pendingIntent = null;
+    _lastRequestSignature = null;
     _isLoaded = false;
-    notifyListeners();
+    _setResource(Resource(data: null, isLoading: false, error: null));
+  }
+
+  DateTime? get _quoteExpiry {
+    final expiresAt = quotation?.fxQuote?.expiresAtUnixMs;
+    if (expiresAt == null) return null;
+    return DateTime.fromMillisecondsSinceEpoch(expiresAt, isUtc: true);
+  }
+
+  String _signature(PaymentIntent intent) {
+    try {
+      return jsonEncode(intent.toDTO().toJson());
+    } catch (_) {
+      return jsonEncode({
+        'kind': intent.kind.toString(),
+        'source': intent.source?.type.toString(),
+        'destination': intent.destination?.type.toString(),
+        'amount': {
+          'value': intent.amount?.amount,
+          'currency': intent.amount?.currency,
+        },
+        'fx': intent.fx == null
+            ? null
+            : {
+                'pair': {
+                  'base': intent.fx?.pair?.base,
+                  'quote': intent.fx?.pair?.quote,
+                },
+                'side': intent.fx?.side.toString(),
+              },
+        'settlementMode': intent.settlementMode.toString(),
+        'customer': intent.customer?.id,
+      });
+    }
+  }
+
+  void reset() {
+    _reset();
   }
 }

frontend/pshared/lib/provider/payment/wallets.dart

@@ -1,3 +1,4 @@
+import 'package:collection/collection.dart';
 import 'package:flutter/material.dart';
 
 import 'package:pshared/models/payment/wallet.dart';
@@ -38,10 +39,7 @@ class WalletsProvider with ChangeNotifier {
     throw Exception('update wallet is not implemented');
   }
 
-  void selectWallet(Wallet wallet) {
+  void selectWallet(Wallet wallet) => _setSelectedWallet(wallet);
-    _selectedWallet = wallet;
-    notifyListeners();
-  }
 
   Future<void> loadWalletsWithBalances() async {
     _setResource(_resource.copyWith(isLoading: true, error: null));
@@ -98,6 +96,25 @@ class WalletsProvider with ChangeNotifier {
 
   void _setResource(Resource<List<Wallet>> newResource) {
     _resource = newResource;
+    _selectedWallet = _resolveSelectedWallet(_selectedWallet, wallets);
+    notifyListeners();
+  }
+
+  Wallet? _resolveSelectedWallet(Wallet? current, List<Wallet> available) {
+    if (available.isEmpty) return null;
+    final currentId = current?.id;
+    if (currentId != null) {
+      final existing = available.firstWhereOrNull((wallet) => wallet.id == currentId);
+      if (existing != null) return existing;
+    }
+    return available.firstWhereOrNull((wallet) => !wallet.isHidden) ?? available.first;
+  }
+
+  void _setSelectedWallet(Wallet wallet) {
+    if (_selectedWallet?.id == wallet.id && _selectedWallet?.isHidden == wallet.isHidden) {
+      return;
+    }
+    _selectedWallet = wallet;
     notifyListeners();
   }
 }

frontend/pshared/lib/provider/recipient/pmethods.dart

@@ -5,6 +5,8 @@ import 'package:pshared/models/describable.dart';
 import 'package:pshared/models/organization/bound.dart';
 import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/payment/methods/type.dart';
+import 'package:pshared/models/payment/type.dart';
+import 'package:pshared/models/recipient/recipient.dart';
 import 'package:pshared/models/permissions/bound.dart';
 import 'package:pshared/models/storable.dart';
 import 'package:pshared/provider/organizations.dart';
@@ -20,6 +22,24 @@ class PaymentMethodsProvider extends GenericProvider<PaymentMethod> {
 
   List<PaymentMethod> get methods => List<PaymentMethod>.unmodifiable(items.toList()..sort((a, b) => a.storable.createdAt.compareTo(b.storable.createdAt))); 
 
+  List<PaymentMethod> methodsForRecipient(Recipient? recipient) {
+    if (recipient == null || !isReady) return [];
+
+    return methods
+        .where((method) => !method.isArchived && method.recipientRef == recipient.id)
+        .toList();
+  }
+
+  MethodMap availableTypesForRecipient(Recipient? recipient) => {
+    for (final method in methodsForRecipient(recipient)) method.type: method.data,
+  };
+
+  PaymentMethod? findMethodByType({
+    required PaymentType type,
+    required Recipient? recipient,
+  }) =>
+      methodsForRecipient(recipient).firstWhereOrNull((method) => method.type == type);
+
   void updateProviders(OrganizationsProvider organizations, RecipientsProvider recipients) {
     if (recipients.currentObject != null) loadMethods(organizations, recipients.currentObject?.id);
   }

frontend/pshared/lib/provider/recipient/provider.dart

@@ -14,6 +14,7 @@ class RecipientsProvider extends GenericProvider<Recipient> {
 
   RecipientFilter _selectedFilter = RecipientFilter.all;
   String _query = '';
+  String? _previousRecipientRef;
 
   RecipientFilter get selectedFilter => _selectedFilter;
   String get query => _query;
@@ -22,6 +23,10 @@ class RecipientsProvider extends GenericProvider<Recipient> {
 
   RecipientsProvider() : super(service: RecipientService.basicService);
 
+  Recipient? get previousRecipient => _previousRecipientRef == null
+      ? null
+      : getItemByRef(_previousRecipientRef!);
+
   List<Recipient> get filteredRecipients {
     List<Recipient> filtered = recipients.where((r) {
       switch (_selectedFilter) {
@@ -53,6 +58,24 @@ class RecipientsProvider extends GenericProvider<Recipient> {
     notifyListeners();
   }
 
+  @override
+  bool setCurrentObject(String? objectRef) {
+    final currentRef = currentObject?.id;
+    final didUpdate = super.setCurrentObject(objectRef);
+
+    if (didUpdate && currentRef != null && currentRef != objectRef) {
+      _previousRecipientRef = currentRef;
+    }
+
+    return didUpdate;
+  }
+
+  void restorePreviousRecipient() {
+    if (_previousRecipientRef != null) {
+      setCurrentObject(_previousRecipientRef);
+    }
+  }
+
   Future<Recipient> create({
     required String name,
     required String email,

frontend/pshared/lib/service/payment/service.dart

@@ -4,6 +4,7 @@ import 'package:uuid/uuid.dart';
 
 import 'package:pshared/api/requests/payment/initiate.dart';
 import 'package:pshared/api/responses/payment/payment.dart';
+import 'package:pshared/api/responses/payment/payments.dart';
 import 'package:pshared/data/mapper/payment/payment_response.dart';
 import 'package:pshared/models/payment/payment.dart';
 import 'package:pshared/service/authorization/service.dart';
@@ -14,6 +15,40 @@ class PaymentService {
   static final _logger = Logger('service.payment');
   static const String _objectType = Services.payments;
 
+  static Future<List<Payment>> list(
+    String organizationRef, {
+    int? limit,
+    String? cursor,
+    String? sourceRef,
+    String? destinationRef,
+    List<String>? states,
+  }) async {
+    _logger.fine('Listing payments for organization $organizationRef');
+    final queryParams = <String, String>{};
+    if (limit != null) {
+      queryParams['limit'] = limit.toString();
+    }
+    if (cursor != null && cursor.isNotEmpty) {
+      queryParams['cursor'] = cursor;
+    }
+    if (sourceRef != null && sourceRef.isNotEmpty) {
+      queryParams['source_ref'] = sourceRef;
+    }
+    if (destinationRef != null && destinationRef.isNotEmpty) {
+      queryParams['destination_ref'] = destinationRef;
+    }
+    if (states != null && states.isNotEmpty) {
+      queryParams['state'] = states.join(',');
+    }
+
+    final path = '/$organizationRef';
+    final url = queryParams.isEmpty
+      ? path
+      : Uri(path: path, queryParameters: queryParams).toString();
+    final response = await AuthorizationService.getGETResponse(_objectType, url);
+    return PaymentsResponse.fromJson(response).payments.map((payment) => payment.toDomain()).toList();
+  }
+
   static Future<Payment> pay(
     String organizationRef,
     String quotationRef, {

frontend/pweb/caddy/Caddyfile

@@ -39,7 +39,7 @@
     @monetixSuccess {
       path /gateway/m/success*
       method POST
-      remote_ip 88.218.112.16 88.218.112.16/32 88.218.113.16 88.218.113.16/32 93.179.90.141 93.179.90.128/25 93.179.90.161 93.179.91.0/24 178.57.67.47 178.57.66.128/25 178.57.67.154 178.57.67.0/24 178.57.68.244
+      # remote_ip 88.218.112.16 88.218.112.16/32 88.218.113.16 88.218.113.16/32 93.179.90.141 93.179.90.128/25 93.179.90.161 93.179.91.0/24 178.57.67.47 178.57.66.128/25 178.57.67.154 178.57.67.0/24 178.57.68.244
     }
     handle @monetixSuccess {
       rewrite * /monetix/callback
@@ -50,7 +50,7 @@
     @monetixFail {
       path /gateway/m/fail*
       method POST
-      remote_ip 88.218.112.16 88.218.112.16/32 88.218.113.16 88.218.113.16/32 93.179.90.141 93.179.90.128/25 93.179.90.161 93.179.91.0/24 178.57.67.47 178.57.66.128/25 178.57.67.154 178.57.67.0/24 178.57.68.244
+      # remote_ip 88.218.112.16 88.218.112.16/32 88.218.113.16 88.218.113.16/32 93.179.90.141 93.179.90.128/25 93.179.90.161 93.179.91.0/24 178.57.67.47 178.57.66.128/25 178.57.67.154 178.57.67.0/24 178.57.68.244
     }
     handle @monetixFail {
       rewrite * /monetix/callback

frontend/pweb/lib/l10n/en.arb

@@ -383,6 +383,19 @@
   "payout": "Payout",
   "sendTo": "Send Payout To",
   "send": "Send Payout",
+  "quoteUnavailable": "Waiting for a quote...",
+  "quoteUpdating": "Refreshing quote...",
+  "quoteExpiresIn": "Quote expires in {time}",
+  "@quoteExpiresIn": {
+    "placeholders": {
+      "time": {
+        "type": "String"
+      }
+    }
+  },
+  "quoteExpired": "Quote expired, request a new one",
+  "quoteAutoRefresh": "Auto-refresh quote",
+  "quoteErrorGeneric": "Could not refresh quote, try again later",
   "recipientPaysFee": "Recipient pays the fee",
 
   "sentAmount": "Sent amount: {amount}",

frontend/pweb/lib/l10n/ru.arb

@@ -383,6 +383,19 @@
   "payout": "Выплата",
   "sendTo": "Отправить выплату",
   "send": "Отправить выплату",
+  "quoteUnavailable": "Ожидание котировки...",
+  "quoteUpdating": "Обновляем котировку...",
+  "quoteExpiresIn": "Котировка истекает через {time}",
+  "@quoteExpiresIn": {
+    "placeholders": {
+      "time": {
+        "type": "String"
+      }
+    }
+  },
+  "quoteExpired": "Срок котировки истек, запросите новую",
+  "quoteAutoRefresh": "Автообновление котировки",
+  "quoteErrorGeneric": "Не удалось обновить котировку, повторите позже",
   "recipientPaysFee": "Получатель оплачивает комиссию",
 
   "sentAmount": "Отправленная сумма: {amount}",

frontend/pweb/lib/main.dart

@@ -13,15 +13,18 @@ import 'package:pshared/provider/permissions.dart';
 import 'package:pshared/provider/account.dart';
 import 'package:pshared/provider/organizations.dart';
 import 'package:pshared/provider/payment/amount.dart';
+import 'package:pshared/provider/payment/flow.dart';
+import 'package:pshared/provider/payment/provider.dart';
+import 'package:pshared/provider/payment/quotation.dart';
 import 'package:pshared/provider/recipient/provider.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/payment/wallets.dart';
+import 'package:pshared/models/payment/type.dart';
 import 'package:pshared/service/payment/wallets.dart';
 
 import 'package:pweb/app/app.dart';
 import 'package:pweb/app/timeago.dart';
 import 'package:pweb/providers/carousel.dart';
-import 'package:pweb/providers/mock_payment.dart';
 import 'package:pweb/providers/operatioins.dart';
 import 'package:pweb/providers/two_factor.dart';
 import 'package:pweb/providers/upload_history.dart';
@@ -89,8 +92,12 @@ void main() async {
         ChangeNotifierProvider(
           create: (_) => WalletTransactionsProvider(MockWalletTransactionsService())..load(),
         ),
-        ChangeNotifierProvider(
+        ChangeNotifierProxyProvider2<RecipientsProvider, PaymentMethodsProvider, PaymentFlowProvider>(
-          create: (_) => MockPaymentProvider(),
+          create: (_) => PaymentFlowProvider(initialType: PaymentType.bankAccount),
+          update: (context, recipients, methods, provider) => provider!..update(
+            recipients,
+            methods,
+          ),
         ),
         
         ChangeNotifierProvider(
@@ -99,6 +106,18 @@ void main() async {
         ChangeNotifierProvider(
           create: (_) => PaymentAmountProvider(),
         ),
+        ChangeNotifierProxyProvider6<OrganizationsProvider, PaymentAmountProvider, WalletsProvider, PaymentFlowProvider, RecipientsProvider, PaymentMethodsProvider, QuotationProvider>(
+          create: (_) => QuotationProvider(),
+          update: (_, organization, payment, wallet, flow, recipients, methods, provider) =>
+              provider!..update(organization, payment, wallet, flow, recipients, methods),
+        ),
+        ChangeNotifierProxyProvider2<OrganizationsProvider, QuotationProvider, PaymentProvider>(
+          create: (_) => PaymentProvider(),
+          update: (context, organization, quotation, provider) => provider!..update(
+            organization,
+            quotation,
+          ),
+        ),
       ],
       child: const PayApp(),
     ),

frontend/pweb/lib/models/button_state.dart

@@ -0,0 +1 @@
+enum ButtonState { enabled, disabled, loading }

frontend/pweb/lib/pages/dashboard/payouts/amount.dart

@@ -3,6 +3,7 @@ import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
 import 'package:pshared/provider/payment/amount.dart';
+import 'package:pshared/provider/payment/quotation.dart';
 import 'package:pshared/utils/currency.dart';
 
 import 'package:pweb/generated/i18n/app_localizations.dart';
@@ -17,6 +18,7 @@ class PaymentAmountWidget extends StatefulWidget {
 
 class _PaymentAmountWidgetState extends State<PaymentAmountWidget> {
   late final TextEditingController _controller;
+  late final FocusNode _focusNode;
   bool _isSyncingText = false;
 
   @override
@@ -24,10 +26,14 @@ class _PaymentAmountWidgetState extends State<PaymentAmountWidget> {
     super.initState();
     final initialAmount = context.read<PaymentAmountProvider>().amount;
     _controller = TextEditingController(text: amountToString(initialAmount));
+    _focusNode = FocusNode()..addListener(_handleFocusChange);
   }
 
   @override
   void dispose() {
+    _focusNode.removeListener(_handleFocusChange);
+    _focusNode.dispose();
+    context.read<PaymentAmountProvider>().setEditing(false);
     _controller.dispose();
     super.dispose();
   }
@@ -56,6 +62,16 @@ class _PaymentAmountWidgetState extends State<PaymentAmountWidget> {
     }
   }
 
+  void _handleFocusChange() {
+    final amountProvider = context.read<PaymentAmountProvider>();
+    if (_focusNode.hasFocus) {
+      amountProvider.setEditing(true);
+      return;
+    }
+
+    amountProvider.setEditing(false);
+  }
+
   @override
   Widget build(BuildContext context) {
     final amount = context.select<PaymentAmountProvider, double>((provider) => provider.amount);
@@ -63,12 +79,14 @@ class _PaymentAmountWidgetState extends State<PaymentAmountWidget> {
 
     return TextField(
       controller: _controller,
+      focusNode: _focusNode,
       keyboardType: const TextInputType.numberWithOptions(decimal: true),
       decoration: InputDecoration(
         labelText: AppLocalizations.of(context)!.amount,
         border: const OutlineInputBorder(),
       ),
       onChanged: _onChanged,
+      onEditingComplete: () => _focusNode.unfocus(),
     );
   }
 }

frontend/pweb/lib/pages/payment_methods/page.dart

@@ -1,24 +1,17 @@
 import 'package:flutter/material.dart';
 
-import 'package:collection/collection.dart';
-
 import 'package:provider/provider.dart';
 
-import 'package:pshared/models/payment/methods/data.dart';
-import 'package:pshared/models/payment/methods/type.dart';
 import 'package:pshared/models/payment/type.dart';
 import 'package:pshared/models/recipient/recipient.dart';
-import 'package:pshared/provider/organizations.dart';
-import 'package:pshared/provider/payment/amount.dart';
 import 'package:pshared/provider/payment/flow.dart';
 import 'package:pshared/provider/payment/provider.dart';
 import 'package:pshared/provider/payment/quotation.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/recipient/provider.dart';
-
-import 'package:pshared/models/payment/wallet.dart';
-import 'package:pweb/pages/payment_methods/payment_page/body.dart';
 import 'package:pshared/provider/payment/wallets.dart';
+
+import 'package:pweb/pages/payment_methods/payment_page/body.dart';
 import 'package:pweb/widgets/sidebar/destinations.dart';
 import 'package:pweb/services/posthog.dart';
 
@@ -60,30 +53,23 @@ class _PaymentPageState extends State<PaymentPage> {
   }
 
   void _initializePaymentPage() {
-    final methodsProvider = context.read<PaymentMethodsProvider>();
+    final flowProvider = context.read<PaymentFlowProvider>();
-    _handleWalletAutoSelection(methodsProvider);
+    flowProvider.setPreferredType(widget.initialPaymentType);
   }
 
   void _handleSearchChanged(String query) {
     context.read<RecipientsProvider>().setQuery(query);
   }
 
-  void _handleRecipientSelected(BuildContext context, Recipient recipient) {
+  void _handleRecipientSelected(Recipient recipient) {
     final recipientProvider = context.read<RecipientsProvider>();
     recipientProvider.setCurrentObject(recipient.id);
     _clearSearchField();
   }
 
-  void _handleRecipientCleared(BuildContext context) {
+  void _handleRecipientCleared() {
     final recipientProvider = context.read<RecipientsProvider>();
-    final methodsProvider = context.read<PaymentMethodsProvider>();
-
     recipientProvider.setCurrentObject(null);
-    context.read<PaymentFlowProvider>().reset(
-      recipient: null,
-      availableTypes: _availablePaymentTypes(null, methodsProvider),
-      preferredType: widget.initialPaymentType,
-    );
     _clearSearchField();
   }
 
@@ -93,106 +79,50 @@ class _PaymentPageState extends State<PaymentPage> {
     context.read<RecipientsProvider>().setQuery('');
   }
 
-  void _handleSendPayment(BuildContext context) {
+  void _handleSendPayment() {
-    if (context.read<QuotationProvider>().isReady) {
+    final flowProvider = context.read<PaymentFlowProvider>();
-      context.read<PaymentProvider>().pay();
+    final paymentProvider = context.read<PaymentProvider>();
-      PosthogService.paymentInitiated(
+    final quotationProvider = context.read<QuotationProvider>();
-        method: context.read<PaymentFlowProvider>().selectedType,
+    if (paymentProvider.isLoading) return;
-      );
+
+    if (!quotationProvider.hasLiveQuote) {
+      if (quotationProvider.canRequestQuote) {
+        quotationProvider.refreshNow();
+      }
+      return;
     }
+
+    paymentProvider.pay().then((_) {
+      PosthogService.paymentInitiated(method: flowProvider.selectedType);
+    }).catchError((error) {
+      if (!mounted) return;
+      ScaffoldMessenger.of(context).showSnackBar(
+        SnackBar(content: Text(error.toString())),
+      );
+    });
   }
 
   @override
   Widget build(BuildContext context) {
     final methodsProvider = context.watch<PaymentMethodsProvider>();
-    final recipientProvider = context.watch<RecipientsProvider>();
+    final recipientProvider = context.read<RecipientsProvider>();
-    final recipient = recipientProvider.currentObject;
+    final recipient = context.select<RecipientsProvider, Recipient?>(
-    final availableTypes = _availablePaymentTypes(recipient, methodsProvider);
+      (provider) => provider.currentObject,
-
-    return MultiProvider(
-      providers: [
-        ChangeNotifierProxyProvider2<RecipientsProvider, PaymentMethodsProvider, PaymentFlowProvider>(
-          create: (_) => PaymentFlowProvider(
-            initialType: widget.initialPaymentType ?? PaymentType.bankAccount,
-          ),
-          update: (_, recipients, methods, flow) {
-            final currentRecipient = recipients.currentObject;
-            flow!.sync(
-              recipient: currentRecipient,
-              availableTypes: _availablePaymentTypes(currentRecipient, methods),
-              preferredType: currentRecipient != null ? widget.initialPaymentType : null,
-            );
-            return flow;
-          },
-        ),
-        ChangeNotifierProvider(
-          create: (_) => PaymentAmountProvider(),
-        ),
-        ChangeNotifierProxyProvider5<OrganizationsProvider, PaymentAmountProvider, WalletsProvider, PaymentFlowProvider, PaymentMethodsProvider, QuotationProvider>(
-          create: (_) => QuotationProvider(),
-          update: (_, organization, payment, wallet, flow, methods, provider) => provider!..update(organization, payment, wallet, flow, methods),
-        ),
-        ChangeNotifierProxyProvider2<OrganizationsProvider, QuotationProvider, PaymentProvider>(
-          create: (_) => PaymentProvider(), 
-          update: (_, organization, quotation, provider) => provider!..update(organization, quotation),
-        ),
-      ],
-      child: Builder(
-        builder: (innerContext) => PaymentPageBody(
-          onBack: widget.onBack,
-          fallbackDestination: widget.fallbackDestination,
-          recipient: recipient,
-          recipientProvider: recipientProvider,
-          methodsProvider: methodsProvider,
-          availablePaymentTypes: availableTypes,
-          searchController: _searchController,
-          searchFocusNode: _searchFocusNode,
-          onSearchChanged: _handleSearchChanged,
-          onRecipientSelected: (selected) => _handleRecipientSelected(innerContext, selected),
-          onRecipientCleared: () => _handleRecipientCleared(innerContext),
-          onSend: () => _handleSendPayment(innerContext),
-        ),
-      ),
-    );
-  }
-
-  void _handleWalletAutoSelection(PaymentMethodsProvider methodsProvider) {
-    final wallet = context.read<WalletsProvider>().selectedWallet;
-    if (wallet == null) return;
-
-    final matchingMethod = _getPaymentMethodForWallet(wallet, methodsProvider);
-    if (matchingMethod != null) {
-      methodsProvider.setCurrentObject(matchingMethod.id);
-    }
-  }
-
-  MethodMap _availablePaymentTypes(
-    Recipient? recipient,
-    PaymentMethodsProvider methodsProvider,
-  ) {
-    if (recipient == null || !methodsProvider.isReady) return {};
-
-    final methodsForRecipient = methodsProvider.methods.where(
-      (method) => !method.isArchived && method.recipientRef == recipient.id,
     );
 
-    return {
+    return PaymentPageBody(
-      for (final method in methodsForRecipient) method.type: method.data,
+      onBack: widget.onBack,
-    };
+      fallbackDestination: widget.fallbackDestination,
-  }
+      recipient: recipient,
-
+      recipientProvider: recipientProvider,
-  PaymentMethod? _getPaymentMethodForWallet(
+      methodsProvider: methodsProvider,
-    Wallet wallet,
+      onWalletSelected: context.read<WalletsProvider>().selectWallet,
-    PaymentMethodsProvider methodsProvider,
+      searchController: _searchController,
-  ) {
+      searchFocusNode: _searchFocusNode,
-    if (methodsProvider.methods.isEmpty) {
+      onSearchChanged: _handleSearchChanged,
-      return null;
+      onRecipientSelected: _handleRecipientSelected,
-    }
+      onRecipientCleared: _handleRecipientCleared,
-
+      onSend: _handleSendPayment,
-    return methodsProvider.methods.firstWhereOrNull(
-      (method) =>
-          method.type == PaymentType.wallet &&
-          (method.description?.contains(wallet.walletUserID) ?? false),
     );
   }
 }

frontend/pweb/lib/pages/payment_methods/payment_page/body.dart

@@ -1,7 +1,7 @@
 import 'package:flutter/material.dart';
 
-import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/recipient/recipient.dart';
+import 'package:pshared/models/payment/wallet.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/recipient/provider.dart';
 
@@ -17,7 +17,7 @@ class PaymentPageBody extends StatelessWidget {
   final Recipient? recipient;
   final RecipientsProvider recipientProvider;
   final PaymentMethodsProvider methodsProvider;
-  final MethodMap availablePaymentTypes;
+  final ValueChanged<Wallet> onWalletSelected;
   final PayoutDestination fallbackDestination;
   final TextEditingController searchController;
   final FocusNode searchFocusNode;
@@ -32,7 +32,7 @@ class PaymentPageBody extends StatelessWidget {
     required this.recipient,
     required this.recipientProvider,
     required this.methodsProvider,
-    required this.availablePaymentTypes,
+    required this.onWalletSelected,
     required this.fallbackDestination,
     required this.searchController,
     required this.searchFocusNode,
@@ -60,8 +60,7 @@ class PaymentPageBody extends StatelessWidget {
       onBack: onBack,
       recipient: recipient,
       recipientProvider: recipientProvider,
-      methodsProvider: methodsProvider,
+      onWalletSelected: onWalletSelected,
-      availablePaymentTypes: availablePaymentTypes,
       fallbackDestination: fallbackDestination,
       searchController: searchController,
       searchFocusNode: searchFocusNode,

frontend/pweb/lib/pages/payment_methods/payment_page/content.dart

@@ -1,12 +1,8 @@
 import 'package:flutter/material.dart';
 
-import 'package:provider/provider.dart';
+import 'package:pshared/models/payment/wallet.dart';
-
-import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/recipient/recipient.dart';
-import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/recipient/provider.dart';
-import 'package:pshared/provider/payment/flow.dart';
 
 import 'package:pweb/pages/payment_methods/payment_page/back_button.dart';
 import 'package:pweb/pages/payment_methods/payment_page/header.dart';
@@ -26,8 +22,7 @@ class PaymentPageContent extends StatelessWidget {
   final ValueChanged<Recipient?>? onBack;
   final Recipient? recipient;
   final RecipientsProvider recipientProvider;
-  final PaymentMethodsProvider methodsProvider;
+  final ValueChanged<Wallet> onWalletSelected;
-  final MethodMap availablePaymentTypes;
   final PayoutDestination fallbackDestination;
   final TextEditingController searchController;
   final FocusNode searchFocusNode;
@@ -41,8 +36,7 @@ class PaymentPageContent extends StatelessWidget {
     required this.onBack,
     required this.recipient,
     required this.recipientProvider,
-    required this.methodsProvider,
+    required this.onWalletSelected,
-    required this.availablePaymentTypes,
     required this.fallbackDestination,
     required this.searchController,
     required this.searchFocusNode,
@@ -55,7 +49,6 @@ class PaymentPageContent extends StatelessWidget {
   @override
   Widget build(BuildContext context) {
     final dimensions = AppDimensions();
-    final flowProvider = context.watch<PaymentFlowProvider>();
     final loc = AppLocalizations.of(context)!;
 
     return Align(
@@ -84,7 +77,7 @@ class PaymentPageContent extends StatelessWidget {
                   SectionTitle(loc.sourceOfFunds),
                   SizedBox(height: dimensions.paddingSmall),
                   PaymentMethodSelector(
-                    onMethodChanged: (m) => methodsProvider.setCurrentObject(m.id),
+                    onMethodChanged: onWalletSelected,
                   ),
                   SizedBox(height: dimensions.paddingXLarge),
                   RecipientSection(
@@ -98,12 +91,7 @@ class PaymentPageContent extends StatelessWidget {
                     onRecipientCleared: onRecipientCleared,
                   ),
                   SizedBox(height: dimensions.paddingXLarge),
-                  PaymentInfoSection(
+                  PaymentInfoSection(dimensions: dimensions),
-                    dimensions: dimensions,
-                    flowProvider: flowProvider,
-                    recipient: recipient,
-                    availableTypes: availablePaymentTypes,
-                  ),
                   SizedBox(height: dimensions.paddingLarge),
                   const PaymentFormWidget(),
                   SizedBox(height: dimensions.paddingXXXLarge),

frontend/pweb/lib/pages/payment_methods/payment_page/method_selector.dart

@@ -17,9 +17,11 @@ class PaymentMethodSelector extends StatelessWidget {
   });
 
   @override
-  Widget build(BuildContext context) => Consumer<WalletsProvider>(builder:(context, provider, _) =>  PaymentMethodDropdown(
+  Widget build(BuildContext context) => Consumer<WalletsProvider>(
-    methods: provider.wallets,
+        builder: (context, provider, _) => PaymentMethodDropdown(
-    initialValue: provider.selectedWallet,
+          methods: provider.wallets,
-    onChanged: onMethodChanged,
+          selectedMethod: provider.selectedWallet,
-  ));
+          onChanged: onMethodChanged,
+        ),
+      );
 }

frontend/pweb/lib/pages/payment_methods/payment_page/page.dart

@@ -1,17 +1,14 @@
 import 'package:flutter/material.dart';
 
-import 'package:provider/provider.dart';
+import 'package:pshared/models/payment/wallet.dart';
-
-import 'package:pshared/models/payment/methods/data.dart';
 import 'package:pshared/models/recipient/recipient.dart';
-import 'package:pshared/provider/recipient/pmethods.dart';
 import 'package:pshared/provider/recipient/provider.dart';
-import 'package:pshared/provider/payment/flow.dart';
 
 import 'package:pweb/pages/dashboard/payouts/form.dart';
 import 'package:pweb/pages/payment_methods/payment_page/back_button.dart';
 import 'package:pweb/pages/payment_methods/payment_page/header.dart';
 import 'package:pweb/pages/payment_methods/payment_page/method_selector.dart';
+import 'package:pweb/pages/payment_methods/payment_page/quote/quote_status.dart';
 import 'package:pweb/pages/payment_methods/payment_page/send_button.dart';
 import 'package:pweb/pages/payment_methods/widgets/payment_info_section.dart';
 import 'package:pweb/pages/payment_methods/widgets/recipient_section.dart';
@@ -26,8 +23,7 @@ class PaymentPageContent extends StatelessWidget {
   final ValueChanged<Recipient?>? onBack;
   final Recipient? recipient;
   final RecipientsProvider recipientProvider;
-  final PaymentMethodsProvider methodsProvider;
+  final ValueChanged<Wallet> onWalletSelected;
-  final MethodMap availablePaymentTypes;
   final PayoutDestination fallbackDestination;
   final TextEditingController searchController;
   final FocusNode searchFocusNode;
@@ -41,8 +37,7 @@ class PaymentPageContent extends StatelessWidget {
     required this.onBack,
     required this.recipient,
     required this.recipientProvider,
-    required this.methodsProvider,
+    required this.onWalletSelected,
-    required this.availablePaymentTypes,
     required this.fallbackDestination,
     required this.searchController,
     required this.searchFocusNode,
@@ -55,7 +50,6 @@ class PaymentPageContent extends StatelessWidget {
   @override
   Widget build(BuildContext context) {
     final dimensions = AppDimensions();
-    final flowProvider = context.watch<PaymentFlowProvider>();
     final loc = AppLocalizations.of(context)!;
 
     return Align(
@@ -84,7 +78,7 @@ class PaymentPageContent extends StatelessWidget {
                   SectionTitle(loc.sourceOfFunds),
                   SizedBox(height: dimensions.paddingSmall),
                   PaymentMethodSelector(
-                    onMethodChanged: (m) => methodsProvider.setCurrentObject(m.id),
+                    onMethodChanged: onWalletSelected,
                   ),
                   SizedBox(height: dimensions.paddingXLarge),
                   RecipientSection(
@@ -98,15 +92,12 @@ class PaymentPageContent extends StatelessWidget {
                     onRecipientCleared: onRecipientCleared,
                   ),
                   SizedBox(height: dimensions.paddingXLarge),
-                  PaymentInfoSection(
+                  PaymentInfoSection(dimensions: dimensions),
-                    dimensions: dimensions,
-                    flowProvider: flowProvider,
-                    recipient: recipient,
-                    availableTypes: availablePaymentTypes,
-                  ),
                   SizedBox(height: dimensions.paddingLarge),
                   const PaymentFormWidget(),
-                  SizedBox(height: dimensions.paddingXXXLarge),
+                  SizedBox(height: dimensions.paddingLarge),
+                  const QuoteStatus(),
+                  SizedBox(height: dimensions.paddingXXLarge),
                   SendButton(onPressed: onSend),
                   SizedBox(height: dimensions.paddingLarge),
                 ],

frontend/pweb/lib/pages/payment_methods/payment_page/quote/actions.dart

@@ -0,0 +1,54 @@
+import 'package:flutter/material.dart';
+
+import 'package:pweb/utils/dimensions.dart';
+
+
+class QuoteStatusActions extends StatelessWidget {
+  final bool isLoading;
+  final bool canRefresh;
+  final bool autoRefreshEnabled;
+  final ValueChanged<bool>? onToggleAutoRefresh;
+  final VoidCallback? onRefresh;
+  final String autoRefreshLabel;
+  final String refreshLabel;
+  final AppDimensions dimensions;
+  final TextTheme theme;
+
+  const QuoteStatusActions({
+    super.key,
+    required this.isLoading,
+    required this.canRefresh,
+    required this.autoRefreshEnabled,
+    required this.onToggleAutoRefresh,
+    required this.onRefresh,
+    required this.autoRefreshLabel,
+    required this.refreshLabel,
+    required this.dimensions,
+    required this.theme,
+  });
+
+  @override
+  Widget build(BuildContext context) => Row(
+        children: [
+          Expanded(
+            child: SwitchListTile.adaptive(
+              contentPadding: EdgeInsets.zero,
+              value: autoRefreshEnabled,
+              title: Text(autoRefreshLabel, style: theme.bodyMedium),
+              onChanged: onToggleAutoRefresh,
+            ),
+          ),
+          TextButton.icon(
+            onPressed: canRefresh ? onRefresh : null,
+            icon: isLoading
+                ? SizedBox(
+                    width: 16,
+                    height: 16,
+                    child: CircularProgressIndicator(strokeWidth: 2),
+                  )
+                : const Icon(Icons.refresh),
+            label: Text(refreshLabel),
+          ),
+        ],
+      );
+}