Updated Settings Page

Reviewed-on: #115

.gitignore

@@ -8,4 +8,6 @@ devtools_options.yaml
 untranslated.txt
 generate_protos.sh
 update_dep.sh
-.vscode/
+.vscode/
+.gocache/
+.cache/

api/billing/fees/go.mod

@@ -18,7 +18,7 @@ require (
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -31,7 +31,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_golang v1.23.2
@@ -44,11 +44,11 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 )

api/billing/fees/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -176,35 +176,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -212,12 +212,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/billing/fees/internal/service/fees/calculator.go

@@ -2,448 +2,16 @@ package fees
 
 import (
 	"context"
-	"errors"
-	"math/big"
-	"sort"
-	"strconv"
-	"strings"
 	"time"
 
+	"github.com/tech/sendico/billing/fees/internal/service/fees/types"
 	"github.com/tech/sendico/billing/fees/storage/model"
-	oracleclient "github.com/tech/sendico/fx/oracle/client"
-	dmath "github.com/tech/sendico/pkg/decimal"
-	"github.com/tech/sendico/pkg/merrors"
-	"github.com/tech/sendico/pkg/mlogger"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
-	accountingv1 "github.com/tech/sendico/pkg/proto/common/accounting/v1"
-	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
-	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
-	"go.uber.org/zap"
 )
 
 // Calculator isolates fee rule evaluation logic so it can be reused and tested.
+// Implementation lives under internal/service/fees/internal/calculator.
 type Calculator interface {
-	Compute(ctx context.Context, plan *model.FeePlan, intent *feesv1.Intent, bookedAt time.Time, trace *tracev1.TraceContext) (*CalculationResult, error)
+	Compute(ctx context.Context, plan *model.FeePlan, intent *feesv1.Intent, bookedAt time.Time, trace *tracev1.TraceContext) (*types.CalculationResult, error)
-}
-
-// CalculationResult contains derived fee lines and audit metadata.
-type CalculationResult struct {
-	Lines   []*feesv1.DerivedPostingLine
-	Applied []*feesv1.AppliedRule
-	FxUsed  *feesv1.FXUsed
-}
-
-// quoteCalculator is the default Calculator implementation.
-type fxOracle interface {
-	LatestRate(ctx context.Context, req oracleclient.LatestRateParams) (*oracleclient.RateSnapshot, error)
-}
-
-type quoteCalculator struct {
-	logger mlogger.Logger
-	oracle fxOracle
-}
-
-func newQuoteCalculator(logger mlogger.Logger, oracle fxOracle) Calculator {
-	return &quoteCalculator{
-		logger: logger.Named("calculator"),
-		oracle: oracle,
-	}
-}
-
-func (c *quoteCalculator) Compute(ctx context.Context, plan *model.FeePlan, intent *feesv1.Intent, bookedAt time.Time, _ *tracev1.TraceContext) (*CalculationResult, error) {
-	if plan == nil {
-		return nil, merrors.InvalidArgument("plan is required")
-	}
-	if intent == nil {
-		return nil, merrors.InvalidArgument("intent is required")
-	}
-
-	trigger := convertTrigger(intent.GetTrigger())
-	if trigger == model.TriggerUnspecified {
-		return nil, merrors.InvalidArgument("unsupported trigger")
-	}
-
-	baseAmount, err := dmath.RatFromString(intent.GetBaseAmount().GetAmount())
-	if err != nil {
-		return nil, merrors.InvalidArgument("invalid base amount")
-	}
-	if baseAmount.Sign() < 0 {
-		return nil, merrors.InvalidArgument("base amount cannot be negative")
-	}
-
-	baseScale := inferScale(intent.GetBaseAmount().GetAmount())
-
-	rules := make([]model.FeeRule, len(plan.Rules))
-	copy(rules, plan.Rules)
-	sort.SliceStable(rules, func(i, j int) bool {
-		if rules[i].Priority == rules[j].Priority {
-			return rules[i].RuleID < rules[j].RuleID
-		}
-		return rules[i].Priority < rules[j].Priority
-	})
-
-	lines := make([]*feesv1.DerivedPostingLine, 0, len(rules))
-	applied := make([]*feesv1.AppliedRule, 0, len(rules))
-
-	planID := ""
-	if planRef := plan.GetID(); planRef != nil && !planRef.IsZero() {
-		planID = planRef.Hex()
-	}
-
-	for _, rule := range rules {
-		if !shouldApplyRule(rule, trigger, intent.GetAttributes(), bookedAt) {
-			continue
-		}
-
-		ledgerAccountRef := strings.TrimSpace(rule.LedgerAccountRef)
-		if ledgerAccountRef == "" {
-			c.logger.Warn("fee rule missing ledger account reference", zap.String("rule_id", rule.RuleID))
-			continue
-		}
-
-		amount, scale, calcErr := c.calculateRuleAmount(baseAmount, baseScale, rule)
-		if calcErr != nil {
-			if !errors.Is(calcErr, merrors.ErrInvalidArg) {
-				c.logger.Warn("failed to calculate fee rule amount", zap.String("rule_id", rule.RuleID), zap.Error(calcErr))
-			}
-			continue
-		}
-		if amount.Sign() == 0 {
-			continue
-		}
-
-		currency := intent.GetBaseAmount().GetCurrency()
-		if override := strings.TrimSpace(rule.Currency); override != "" {
-			currency = override
-		}
-
-		entrySide := mapEntrySide(rule.EntrySide)
-		if entrySide == accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED {
-			entrySide = accountingv1.EntrySide_ENTRY_SIDE_CREDIT
-		}
-
-		meta := map[string]string{
-			"fee_rule_id": rule.RuleID,
-		}
-		if planID != "" {
-			meta["fee_plan_id"] = planID
-		}
-		if rule.Metadata != nil {
-			if taxCode := strings.TrimSpace(rule.Metadata["tax_code"]); taxCode != "" {
-				meta["tax_code"] = taxCode
-			}
-			if taxRate := strings.TrimSpace(rule.Metadata["tax_rate"]); taxRate != "" {
-				meta["tax_rate"] = taxRate
-			}
-		}
-
-		lines = append(lines, &feesv1.DerivedPostingLine{
-			LedgerAccountRef: ledgerAccountRef,
-			Money: &moneyv1.Money{
-				Amount:   dmath.FormatRat(amount, scale),
-				Currency: currency,
-			},
-			LineType: mapLineType(rule.LineType),
-			Side:     entrySide,
-			Meta:     meta,
-		})
-
-		applied = append(applied, &feesv1.AppliedRule{
-			RuleId:      rule.RuleID,
-			RuleVersion: planID,
-			Formula:     rule.Formula,
-			Rounding:    mapRoundingMode(rule.Rounding),
-			TaxCode:     metadataValue(rule.Metadata, "tax_code"),
-			TaxRate:     metadataValue(rule.Metadata, "tax_rate"),
-			Parameters:  cloneStringMap(rule.Metadata),
-		})
-	}
-
-	var fxUsed *feesv1.FXUsed
-	if trigger == model.TriggerFXConversion && c.oracle != nil {
-		fxUsed = c.buildFxUsed(ctx, intent)
-	}
-
-	return &CalculationResult{
-		Lines:   lines,
-		Applied: applied,
-		FxUsed:  fxUsed,
-	}, nil
-}
-
-func (c *quoteCalculator) calculateRuleAmount(baseAmount *big.Rat, baseScale uint32, rule model.FeeRule) (*big.Rat, uint32, error) {
-	scale, err := resolveRuleScale(rule, baseScale)
-	if err != nil {
-		return nil, 0, err
-	}
-
-	result := new(big.Rat)
-
-	if percentage := strings.TrimSpace(rule.Percentage); percentage != "" {
-		percentageRat, perr := dmath.RatFromString(percentage)
-		if perr != nil {
-			return nil, 0, merrors.InvalidArgument("invalid percentage")
-		}
-		result = dmath.AddRat(result, dmath.MulRat(baseAmount, percentageRat))
-	}
-
-	if fixed := strings.TrimSpace(rule.FixedAmount); fixed != "" {
-		fixedRat, ferr := dmath.RatFromString(fixed)
-		if ferr != nil {
-			return nil, 0, merrors.InvalidArgument("invalid fixed amount")
-		}
-		result = dmath.AddRat(result, fixedRat)
-	}
-
-	if minStr := strings.TrimSpace(rule.MinimumAmount); minStr != "" {
-		minRat, merr := dmath.RatFromString(minStr)
-		if merr != nil {
-			return nil, 0, merrors.InvalidArgument("invalid minimum amount")
-		}
-		if dmath.CmpRat(result, minRat) < 0 {
-			result = new(big.Rat).Set(minRat)
-		}
-	}
-
-	if maxStr := strings.TrimSpace(rule.MaximumAmount); maxStr != "" {
-		maxRat, merr := dmath.RatFromString(maxStr)
-		if merr != nil {
-			return nil, 0, merrors.InvalidArgument("invalid maximum amount")
-		}
-		if dmath.CmpRat(result, maxRat) > 0 {
-			result = new(big.Rat).Set(maxRat)
-		}
-	}
-
-	if result.Sign() < 0 {
-		result = new(big.Rat).Abs(result)
-	}
-
-	rounded, rerr := dmath.RoundRatToScale(result, scale, toDecimalRounding(rule.Rounding))
-	if rerr != nil {
-		return nil, 0, rerr
-	}
-
-	return rounded, scale, nil
-}
-
-const (
-	attrFxBaseCurrency  = "fx_base_currency"
-	attrFxQuoteCurrency = "fx_quote_currency"
-	attrFxProvider      = "fx_provider"
-	attrFxSide          = "fx_side"
-	attrFxRateOverride  = "fx_rate"
-)
-
-func (c *quoteCalculator) buildFxUsed(ctx context.Context, intent *feesv1.Intent) *feesv1.FXUsed {
-	if intent == nil || c.oracle == nil {
-		return nil
-	}
-
-	attrs := intent.GetAttributes()
-	base := strings.TrimSpace(attrs[attrFxBaseCurrency])
-	quote := strings.TrimSpace(attrs[attrFxQuoteCurrency])
-	if base == "" || quote == "" {
-		return nil
-	}
-
-	pair := &fxv1.CurrencyPair{Base: base, Quote: quote}
-	provider := strings.TrimSpace(attrs[attrFxProvider])
-
-	snapshot, err := c.oracle.LatestRate(ctx, oracleclient.LatestRateParams{
-		Meta:     oracleclient.RequestMeta{},
-		Pair:     pair,
-		Provider: provider,
-	})
-	if err != nil {
-		c.logger.Warn("fees: failed to fetch FX context", zap.Error(err))
-		return nil
-	}
-	if snapshot == nil {
-		return nil
-	}
-
-	rateValue := strings.TrimSpace(attrs[attrFxRateOverride])
-	if rateValue == "" {
-		rateValue = snapshot.Mid
-	}
-	if rateValue == "" {
-		rateValue = snapshot.Ask
-	}
-	if rateValue == "" {
-		rateValue = snapshot.Bid
-	}
-
-	return &feesv1.FXUsed{
-		Pair:       pair,
-		Side:       parseFxSide(strings.TrimSpace(attrs[attrFxSide])),
-		Rate:       &moneyv1.Decimal{Value: rateValue},
-		AsofUnixMs: snapshot.AsOf.UnixMilli(),
-		Provider:   snapshot.Provider,
-		RateRef:    snapshot.RateRef,
-		SpreadBps:  &moneyv1.Decimal{Value: snapshot.SpreadBps},
-	}
-}
-
-func parseFxSide(value string) fxv1.Side {
-	switch strings.ToLower(value) {
-	case "buy_base", "buy_base_sell_quote", "buy":
-		return fxv1.Side_BUY_BASE_SELL_QUOTE
-	case "sell_base", "sell_base_buy_quote", "sell":
-		return fxv1.Side_SELL_BASE_BUY_QUOTE
-	default:
-		return fxv1.Side_SIDE_UNSPECIFIED
-	}
-}
-
-func inferScale(amount string) uint32 {
-	value := strings.TrimSpace(amount)
-	if value == "" {
-		return 0
-	}
-	if idx := strings.IndexAny(value, "eE"); idx >= 0 {
-		value = value[:idx]
-	}
-	if strings.HasPrefix(value, "+") || strings.HasPrefix(value, "-") {
-		value = value[1:]
-	}
-	if dot := strings.IndexByte(value, '.'); dot >= 0 {
-		return uint32(len(value[dot+1:]))
-	}
-	return 0
-}
-
-func shouldApplyRule(rule model.FeeRule, trigger model.Trigger, attributes map[string]string, bookedAt time.Time) bool {
-	if rule.Trigger != trigger {
-		return false
-	}
-	if rule.EffectiveFrom.After(bookedAt) {
-		return false
-	}
-	if rule.EffectiveTo != nil && rule.EffectiveTo.Before(bookedAt) {
-		return false
-	}
-	return ruleMatchesAttributes(rule, attributes)
-}
-
-func resolveRuleScale(rule model.FeeRule, fallback uint32) (uint32, error) {
-	if rule.Metadata != nil {
-		for _, field := range []string{"scale", "decimals", "precision"} {
-			if value, ok := rule.Metadata[field]; ok && strings.TrimSpace(value) != "" {
-				return parseScale(field, value)
-			}
-		}
-	}
-	return fallback, nil
-}
-
-func parseScale(field, value string) (uint32, error) {
-	clean := strings.TrimSpace(value)
-	if clean == "" {
-		return 0, merrors.InvalidArgument(field + " is empty")
-	}
-	parsed, err := strconv.ParseUint(clean, 10, 32)
-	if err != nil {
-		return 0, merrors.InvalidArgument("invalid " + field + " value")
-	}
-	return uint32(parsed), nil
-}
-
-func metadataValue(meta map[string]string, key string) string {
-	if meta == nil {
-		return ""
-	}
-	return strings.TrimSpace(meta[key])
-}
-
-func cloneStringMap(src map[string]string) map[string]string {
-	if len(src) == 0 {
-		return nil
-	}
-	cloned := make(map[string]string, len(src))
-	for k, v := range src {
-		cloned[k] = v
-	}
-	return cloned
-}
-
-func ruleMatchesAttributes(rule model.FeeRule, attributes map[string]string) bool {
-	if len(rule.AppliesTo) == 0 {
-		return true
-	}
-	for key, value := range rule.AppliesTo {
-		if attributes == nil {
-			return false
-		}
-		if attrValue, ok := attributes[key]; !ok || attrValue != value {
-			return false
-		}
-	}
-	return true
-}
-
-func convertTrigger(trigger feesv1.Trigger) model.Trigger {
-	switch trigger {
-	case feesv1.Trigger_TRIGGER_CAPTURE:
-		return model.TriggerCapture
-	case feesv1.Trigger_TRIGGER_REFUND:
-		return model.TriggerRefund
-	case feesv1.Trigger_TRIGGER_DISPUTE:
-		return model.TriggerDispute
-	case feesv1.Trigger_TRIGGER_PAYOUT:
-		return model.TriggerPayout
-	case feesv1.Trigger_TRIGGER_FX_CONVERSION:
-		return model.TriggerFXConversion
-	default:
-		return model.TriggerUnspecified
-	}
-}
-
-func mapLineType(lineType string) accountingv1.PostingLineType {
-	switch strings.ToLower(lineType) {
-	case "tax":
-		return accountingv1.PostingLineType_POSTING_LINE_TAX
-	case "spread":
-		return accountingv1.PostingLineType_POSTING_LINE_SPREAD
-	case "reversal":
-		return accountingv1.PostingLineType_POSTING_LINE_REVERSAL
-	default:
-		return accountingv1.PostingLineType_POSTING_LINE_FEE
-	}
-}
-
-func mapEntrySide(entrySide string) accountingv1.EntrySide {
-	switch strings.ToLower(entrySide) {
-	case "debit":
-		return accountingv1.EntrySide_ENTRY_SIDE_DEBIT
-	case "credit":
-		return accountingv1.EntrySide_ENTRY_SIDE_CREDIT
-	default:
-		return accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED
-	}
-}
-
-func toDecimalRounding(mode string) dmath.RoundingMode {
-	switch strings.ToLower(strings.TrimSpace(mode)) {
-	case "half_up":
-		return dmath.RoundingModeHalfUp
-	case "down":
-		return dmath.RoundingModeDown
-	case "half_even", "bankers":
-		return dmath.RoundingModeHalfEven
-	default:
-		return dmath.RoundingModeHalfEven
-	}
-}
-
-func mapRoundingMode(mode string) moneyv1.RoundingMode {
-	switch strings.ToLower(mode) {
-	case "half_up":
-		return moneyv1.RoundingMode_ROUND_HALF_UP
-	case "down":
-		return moneyv1.RoundingMode_ROUND_DOWN
-	default:
-		return moneyv1.RoundingMode_ROUND_HALF_EVEN
-	}
 }

api/billing/fees/internal/service/fees/internal/calculator/impl.go

@@ -0,0 +1,439 @@
+package calculator
+
+import (
+	"context"
+	"errors"
+	"math/big"
+	"sort"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/billing/fees/internal/service/fees/types"
+	"github.com/tech/sendico/billing/fees/storage/model"
+	oracleclient "github.com/tech/sendico/fx/oracle/client"
+	dmath "github.com/tech/sendico/pkg/decimal"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	accountingv1 "github.com/tech/sendico/pkg/proto/common/accounting/v1"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
+	"go.uber.org/zap"
+)
+
+// fxOracle captures the oracle dependency for FX conversions.
+type fxOracle interface {
+	LatestRate(ctx context.Context, req oracleclient.LatestRateParams) (*oracleclient.RateSnapshot, error)
+}
+
+// New constructs the default calculator implementation.
+func New(logger mlogger.Logger, oracle fxOracle) *quoteCalculator {
+	if logger == nil {
+		logger = zap.NewNop()
+	}
+	return &quoteCalculator{
+		logger: logger.Named("calculator"),
+		oracle: oracle,
+	}
+}
+
+type quoteCalculator struct {
+	logger mlogger.Logger
+	oracle fxOracle
+}
+
+func (c *quoteCalculator) Compute(ctx context.Context, plan *model.FeePlan, intent *feesv1.Intent, bookedAt time.Time, _ *tracev1.TraceContext) (*types.CalculationResult, error) {
+	if plan == nil {
+		return nil, merrors.InvalidArgument("plan is required")
+	}
+	if intent == nil {
+		return nil, merrors.InvalidArgument("intent is required")
+	}
+
+	trigger := convertTrigger(intent.GetTrigger())
+	if trigger == model.TriggerUnspecified {
+		return nil, merrors.InvalidArgument("unsupported trigger")
+	}
+
+	baseAmount, err := dmath.RatFromString(intent.GetBaseAmount().GetAmount())
+	if err != nil {
+		return nil, merrors.InvalidArgument("invalid base amount")
+	}
+	if baseAmount.Sign() < 0 {
+		return nil, merrors.InvalidArgument("base amount cannot be negative")
+	}
+
+	baseScale := inferScale(intent.GetBaseAmount().GetAmount())
+
+	rules := make([]model.FeeRule, len(plan.Rules))
+	copy(rules, plan.Rules)
+	sort.SliceStable(rules, func(i, j int) bool {
+		if rules[i].Priority == rules[j].Priority {
+			return rules[i].RuleID < rules[j].RuleID
+		}
+		return rules[i].Priority < rules[j].Priority
+	})
+
+	lines := make([]*feesv1.DerivedPostingLine, 0, len(rules))
+	applied := make([]*feesv1.AppliedRule, 0, len(rules))
+
+	planID := ""
+	if planRef := plan.GetID(); planRef != nil && !planRef.IsZero() {
+		planID = planRef.Hex()
+	}
+
+	for _, rule := range rules {
+		if !shouldApplyRule(rule, trigger, intent.GetAttributes(), bookedAt) {
+			continue
+		}
+
+		ledgerAccountRef := strings.TrimSpace(rule.LedgerAccountRef)
+
+		amount, scale, calcErr := c.calculateRuleAmount(baseAmount, baseScale, rule)
+		if calcErr != nil {
+			if !errors.Is(calcErr, merrors.ErrInvalidArg) {
+				c.logger.Warn("failed to calculate fee rule amount", zap.String("rule_id", rule.RuleID), zap.Error(calcErr))
+			}
+			continue
+		}
+		if amount.Sign() == 0 {
+			continue
+		}
+
+		currency := intent.GetBaseAmount().GetCurrency()
+		if override := strings.TrimSpace(rule.Currency); override != "" {
+			currency = override
+		}
+
+		entrySide := mapEntrySide(rule.EntrySide)
+		if entrySide == accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED {
+			// Default fees to debit (i.e. charge the customer) when entry side is not specified.
+			entrySide = accountingv1.EntrySide_ENTRY_SIDE_DEBIT
+		}
+
+		meta := map[string]string{
+			"fee_rule_id": rule.RuleID,
+		}
+		if planID != "" {
+			meta["fee_plan_id"] = planID
+		}
+		if rule.Metadata != nil {
+			if taxCode := strings.TrimSpace(rule.Metadata["tax_code"]); taxCode != "" {
+				meta["tax_code"] = taxCode
+			}
+			if taxRate := strings.TrimSpace(rule.Metadata["tax_rate"]); taxRate != "" {
+				meta["tax_rate"] = taxRate
+			}
+		}
+
+		lines = append(lines, &feesv1.DerivedPostingLine{
+			LedgerAccountRef: ledgerAccountRef,
+			Money: &moneyv1.Money{
+				Amount:   dmath.FormatRat(amount, scale),
+				Currency: currency,
+			},
+			LineType: mapLineType(rule.LineType),
+			Side:     entrySide,
+			Meta:     meta,
+		})
+
+		applied = append(applied, &feesv1.AppliedRule{
+			RuleId:      rule.RuleID,
+			RuleVersion: planID,
+			Formula:     rule.Formula,
+			Rounding:    mapRoundingMode(rule.Rounding),
+			TaxCode:     metadataValue(rule.Metadata, "tax_code"),
+			TaxRate:     metadataValue(rule.Metadata, "tax_rate"),
+			Parameters:  cloneStringMap(rule.Metadata),
+		})
+	}
+
+	var fxUsed *feesv1.FXUsed
+	if trigger == model.TriggerFXConversion && c.oracle != nil {
+		fxUsed = c.buildFxUsed(ctx, intent)
+	}
+
+	return &types.CalculationResult{
+		Lines:   lines,
+		Applied: applied,
+		FxUsed:  fxUsed,
+	}, nil
+}
+
+func (c *quoteCalculator) calculateRuleAmount(baseAmount *big.Rat, baseScale uint32, rule model.FeeRule) (*big.Rat, uint32, error) {
+	scale, err := resolveRuleScale(rule, baseScale)
+	if err != nil {
+		return nil, 0, err
+	}
+
+	result := new(big.Rat)
+
+	if percentage := strings.TrimSpace(rule.Percentage); percentage != "" {
+		percentageRat, perr := dmath.RatFromString(percentage)
+		if perr != nil {
+			return nil, 0, merrors.InvalidArgument("invalid percentage")
+		}
+		result = dmath.AddRat(result, dmath.MulRat(baseAmount, percentageRat))
+	}
+
+	if fixed := strings.TrimSpace(rule.FixedAmount); fixed != "" {
+		fixedRat, ferr := dmath.RatFromString(fixed)
+		if ferr != nil {
+			return nil, 0, merrors.InvalidArgument("invalid fixed amount")
+		}
+		result = dmath.AddRat(result, fixedRat)
+	}
+
+	if minStr := strings.TrimSpace(rule.MinimumAmount); minStr != "" {
+		minRat, merr := dmath.RatFromString(minStr)
+		if merr != nil {
+			return nil, 0, merrors.InvalidArgument("invalid minimum amount")
+		}
+		if dmath.CmpRat(result, minRat) < 0 {
+			result = new(big.Rat).Set(minRat)
+		}
+	}
+
+	if maxStr := strings.TrimSpace(rule.MaximumAmount); maxStr != "" {
+		maxRat, merr := dmath.RatFromString(maxStr)
+		if merr != nil {
+			return nil, 0, merrors.InvalidArgument("invalid maximum amount")
+		}
+		if dmath.CmpRat(result, maxRat) > 0 {
+			result = new(big.Rat).Set(maxRat)
+		}
+	}
+
+	if result.Sign() < 0 {
+		result = new(big.Rat).Abs(result)
+	}
+
+	rounded, rerr := dmath.RoundRatToScale(result, scale, toDecimalRounding(rule.Rounding))
+	if rerr != nil {
+		return nil, 0, rerr
+	}
+
+	return rounded, scale, nil
+}
+
+const (
+	attrFxBaseCurrency  = "fx_base_currency"
+	attrFxQuoteCurrency = "fx_quote_currency"
+	attrFxProvider      = "fx_provider"
+	attrFxSide          = "fx_side"
+	attrFxRateOverride  = "fx_rate"
+)
+
+func (c *quoteCalculator) buildFxUsed(ctx context.Context, intent *feesv1.Intent) *feesv1.FXUsed {
+	if intent == nil || c.oracle == nil {
+		return nil
+	}
+
+	attrs := intent.GetAttributes()
+	base := strings.TrimSpace(attrs[attrFxBaseCurrency])
+	quote := strings.TrimSpace(attrs[attrFxQuoteCurrency])
+	if base == "" || quote == "" {
+		return nil
+	}
+
+	pair := &fxv1.CurrencyPair{Base: base, Quote: quote}
+	provider := strings.TrimSpace(attrs[attrFxProvider])
+
+	snapshot, err := c.oracle.LatestRate(ctx, oracleclient.LatestRateParams{
+		Meta:     oracleclient.RequestMeta{},
+		Pair:     pair,
+		Provider: provider,
+	})
+	if err != nil {
+		c.logger.Warn("fees: failed to fetch FX context", zap.Error(err))
+		return nil
+	}
+	if snapshot == nil {
+		return nil
+	}
+
+	rateValue := strings.TrimSpace(attrs[attrFxRateOverride])
+	if rateValue == "" {
+		rateValue = snapshot.Mid
+	}
+	if rateValue == "" {
+		rateValue = snapshot.Ask
+	}
+	if rateValue == "" {
+		rateValue = snapshot.Bid
+	}
+
+	return &feesv1.FXUsed{
+		Pair:       pair,
+		Side:       parseFxSide(strings.TrimSpace(attrs[attrFxSide])),
+		Rate:       &moneyv1.Decimal{Value: rateValue},
+		AsofUnixMs: snapshot.AsOf.UnixMilli(),
+		Provider:   snapshot.Provider,
+		RateRef:    snapshot.RateRef,
+		SpreadBps:  &moneyv1.Decimal{Value: snapshot.SpreadBps},
+	}
+}
+
+func parseFxSide(value string) fxv1.Side {
+	switch strings.ToLower(value) {
+	case "buy_base", "buy_base_sell_quote", "buy":
+		return fxv1.Side_BUY_BASE_SELL_QUOTE
+	case "sell_base", "sell_base_buy_quote", "sell":
+		return fxv1.Side_SELL_BASE_BUY_QUOTE
+	default:
+		return fxv1.Side_SIDE_UNSPECIFIED
+	}
+}
+
+func inferScale(amount string) uint32 {
+	value := strings.TrimSpace(amount)
+	if value == "" {
+		return 0
+	}
+	if idx := strings.IndexAny(value, "eE"); idx >= 0 {
+		value = value[:idx]
+	}
+	if strings.HasPrefix(value, "+") || strings.HasPrefix(value, "-") {
+		value = value[1:]
+	}
+	if dot := strings.IndexByte(value, '.'); dot >= 0 {
+		return uint32(len(value[dot+1:]))
+	}
+	return 0
+}
+
+func shouldApplyRule(rule model.FeeRule, trigger model.Trigger, attributes map[string]string, bookedAt time.Time) bool {
+	if rule.Trigger != trigger {
+		return false
+	}
+	if rule.EffectiveFrom.After(bookedAt) {
+		return false
+	}
+	if rule.EffectiveTo != nil && rule.EffectiveTo.Before(bookedAt) {
+		return false
+	}
+	return ruleMatchesAttributes(rule, attributes)
+}
+
+func resolveRuleScale(rule model.FeeRule, fallback uint32) (uint32, error) {
+	if rule.Metadata != nil {
+		for _, field := range []string{"scale", "decimals", "precision"} {
+			if value, ok := rule.Metadata[field]; ok && strings.TrimSpace(value) != "" {
+				return parseScale(field, value)
+			}
+		}
+	}
+	return fallback, nil
+}
+
+func parseScale(field, value string) (uint32, error) {
+	clean := strings.TrimSpace(value)
+	if clean == "" {
+		return 0, merrors.InvalidArgument(field + " is empty")
+	}
+	parsed, err := strconv.ParseUint(clean, 10, 32)
+	if err != nil {
+		return 0, merrors.InvalidArgument("invalid " + field + " value")
+	}
+	return uint32(parsed), nil
+}
+
+func metadataValue(meta map[string]string, key string) string {
+	if meta == nil {
+		return ""
+	}
+	return strings.TrimSpace(meta[key])
+}
+
+func cloneStringMap(src map[string]string) map[string]string {
+	if len(src) == 0 {
+		return nil
+	}
+	cloned := make(map[string]string, len(src))
+	for k, v := range src {
+		cloned[k] = v
+	}
+	return cloned
+}
+
+func ruleMatchesAttributes(rule model.FeeRule, attributes map[string]string) bool {
+	if len(rule.AppliesTo) == 0 {
+		return true
+	}
+	for key, value := range rule.AppliesTo {
+		if attributes == nil {
+			return false
+		}
+		if attrValue, ok := attributes[key]; !ok || attrValue != value {
+			return false
+		}
+	}
+	return true
+}
+
+func mapLineType(lineType string) accountingv1.PostingLineType {
+	switch strings.ToLower(lineType) {
+	case "tax":
+		return accountingv1.PostingLineType_POSTING_LINE_TAX
+	case "spread":
+		return accountingv1.PostingLineType_POSTING_LINE_SPREAD
+	case "reversal":
+		return accountingv1.PostingLineType_POSTING_LINE_REVERSAL
+	default:
+		return accountingv1.PostingLineType_POSTING_LINE_FEE
+	}
+}
+
+func mapEntrySide(entrySide string) accountingv1.EntrySide {
+	switch strings.ToLower(entrySide) {
+	case "debit":
+		return accountingv1.EntrySide_ENTRY_SIDE_DEBIT
+	case "credit":
+		return accountingv1.EntrySide_ENTRY_SIDE_CREDIT
+	default:
+		return accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED
+	}
+}
+
+func toDecimalRounding(mode string) dmath.RoundingMode {
+	switch strings.ToLower(strings.TrimSpace(mode)) {
+	case "half_up":
+		return dmath.RoundingModeHalfUp
+	case "down":
+		return dmath.RoundingModeDown
+	case "half_even", "bankers":
+		return dmath.RoundingModeHalfEven
+	default:
+		return dmath.RoundingModeHalfEven
+	}
+}
+
+func mapRoundingMode(mode string) moneyv1.RoundingMode {
+	switch strings.ToLower(mode) {
+	case "half_up":
+		return moneyv1.RoundingMode_ROUND_HALF_UP
+	case "down":
+		return moneyv1.RoundingMode_ROUND_DOWN
+	default:
+		return moneyv1.RoundingMode_ROUND_HALF_EVEN
+	}
+}
+
+func convertTrigger(trigger feesv1.Trigger) model.Trigger {
+	switch trigger {
+	case feesv1.Trigger_TRIGGER_CAPTURE:
+		return model.TriggerCapture
+	case feesv1.Trigger_TRIGGER_REFUND:
+		return model.TriggerRefund
+	case feesv1.Trigger_TRIGGER_DISPUTE:
+		return model.TriggerDispute
+	case feesv1.Trigger_TRIGGER_PAYOUT:
+		return model.TriggerPayout
+	case feesv1.Trigger_TRIGGER_FX_CONVERSION:
+		return model.TriggerFXConversion
+	default:
+		return model.TriggerUnspecified
+	}
+}

api/billing/fees/internal/service/fees/internal/resolver/errors.go

@@ -0,0 +1,10 @@
+package resolver
+
+import "github.com/tech/sendico/pkg/merrors"
+
+var (
+	// ErrNoFeeRuleFound indicates that no applicable rule exists for the given context.
+	ErrNoFeeRuleFound = merrors.ErrNoData
+	// ErrConflictingFeeRules indicates multiple rules share the same highest priority.
+	ErrConflictingFeeRules = merrors.ErrDataConflict
+)

api/billing/fees/internal/service/fees/internal/resolver/impl.go

@@ -0,0 +1,148 @@
+package resolver
+
+import (
+	"context"
+	"errors"
+	"time"
+
+	"github.com/tech/sendico/billing/fees/storage"
+	"github.com/tech/sendico/billing/fees/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+type planFinder interface {
+	FindActiveOrgPlan(ctx context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error)
+	FindActiveGlobalPlan(ctx context.Context, at time.Time) (*model.FeePlan, error)
+}
+
+type feeResolver struct {
+	plans  storage.PlansStore
+	finder planFinder
+	logger *zap.Logger
+}
+
+func New(plans storage.PlansStore, logger *zap.Logger) *feeResolver {
+	var finder planFinder
+	if pf, ok := plans.(planFinder); ok {
+		finder = pf
+	}
+	if logger == nil {
+		logger = zap.NewNop()
+	}
+	return &feeResolver{
+		plans:  plans,
+		finder: finder,
+		logger: logger.Named("resolver"),
+	}
+}
+
+func (r *feeResolver) ResolveFeeRule(ctx context.Context, orgRef *primitive.ObjectID, trigger model.Trigger, at time.Time, attrs map[string]string) (*model.FeePlan, *model.FeeRule, error) {
+	if r.plans == nil {
+		return nil, nil, merrors.InvalidArgument("fees: plans store is required")
+	}
+
+	// Try org-specific first if provided.
+	if orgRef != nil && !orgRef.IsZero() {
+		if plan, err := r.getOrgPlan(ctx, *orgRef, at); err == nil {
+			if rule, selErr := selectRule(plan, trigger, at, attrs); selErr == nil {
+				return plan, rule, nil
+			} else if !errors.Is(selErr, ErrNoFeeRuleFound) {
+				r.logger.Warn("failed selecting rule for org plan", zap.Error(selErr), zap.String("org_ref", orgRef.Hex()))
+				return nil, nil, selErr
+			}
+			r.logger.Debug("no matching rule in org plan; falling back to global", zap.String("org_ref", orgRef.Hex()))
+		} else if !errors.Is(err, storage.ErrFeePlanNotFound) {
+			r.logger.Warn("failed resolving org fee plan", zap.Error(err), zap.String("org_ref", orgRef.Hex()))
+			return nil, nil, err
+		}
+	}
+
+	plan, err := r.getGlobalPlan(ctx, at)
+	if err != nil {
+		if errors.Is(err, storage.ErrFeePlanNotFound) {
+			return nil, nil, merrors.NoData("fees: no applicable fee rule found")
+		}
+		r.logger.Warn("failed resolving global fee plan", zap.Error(err))
+		return nil, nil, err
+	}
+
+	rule, err := selectRule(plan, trigger, at, attrs)
+	if err != nil {
+		if !errors.Is(err, ErrNoFeeRuleFound) {
+			r.logger.Warn("failed selecting rule in global plan", zap.Error(err))
+		}
+		return nil, nil, err
+	}
+
+	return plan, rule, nil
+}
+
+func (r *feeResolver) getOrgPlan(ctx context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
+	if r.finder != nil {
+		return r.finder.FindActiveOrgPlan(ctx, orgRef, at)
+	}
+	return r.plans.GetActivePlan(ctx, orgRef, at)
+}
+
+func (r *feeResolver) getGlobalPlan(ctx context.Context, at time.Time) (*model.FeePlan, error) {
+	if r.finder != nil {
+		return r.finder.FindActiveGlobalPlan(ctx, at)
+	}
+	// Treat zero ObjectID as global in legacy path.
+	return r.plans.GetActivePlan(ctx, primitive.NilObjectID, at)
+}
+
+func selectRule(plan *model.FeePlan, trigger model.Trigger, at time.Time, attrs map[string]string) (*model.FeeRule, error) {
+	if plan == nil {
+		return nil, merrors.NoData("fees: no applicable fee rule found")
+	}
+
+	var selected *model.FeeRule
+	var highestPriority int
+	for _, rule := range plan.Rules {
+		if rule.Trigger != trigger {
+			continue
+		}
+		if rule.EffectiveFrom.After(at) {
+			continue
+		}
+		if rule.EffectiveTo != nil && !rule.EffectiveTo.After(at) {
+			continue
+		}
+		if !matchesAppliesTo(rule.AppliesTo, attrs) {
+			continue
+		}
+
+		if selected == nil || rule.Priority > highestPriority {
+			copy := rule
+			selected = &copy
+			highestPriority = rule.Priority
+			continue
+		}
+		if rule.Priority == highestPriority {
+			return nil, merrors.DataConflict("fees: conflicting fee rules")
+		}
+	}
+
+	if selected == nil {
+		return nil, merrors.NoData("fees: no applicable fee rule found")
+	}
+	return selected, nil
+}
+
+func matchesAppliesTo(appliesTo map[string]string, attrs map[string]string) bool {
+	if len(appliesTo) == 0 {
+		return true
+	}
+	for key, value := range appliesTo {
+		if attrs == nil {
+			return false
+		}
+		if attrs[key] != value {
+			return false
+		}
+	}
+	return true
+}

api/billing/fees/internal/service/fees/internal/resolver/resolver_test.go

@@ -0,0 +1,314 @@
+package resolver
+
+import (
+	"context"
+	"errors"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/billing/fees/storage"
+	"github.com/tech/sendico/billing/fees/storage/model"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+func TestResolver_GlobalFallbackWhenOrgMissing(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	globalPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "global_capture", Trigger: model.TriggerCapture, Priority: 5, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{globalPlan}}
+	resolver := New(store, zap.NewNop())
+
+	orgA := primitive.NewObjectID()
+	plan, rule, err := resolver.ResolveFeeRule(context.Background(), &orgA, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected fallback to global, got error: %v", err)
+	}
+	if plan.OrganizationRef != nil && !plan.OrganizationRef.IsZero() {
+		t.Fatalf("expected global plan, got orgRef %s", plan.OrganizationRef.Hex())
+	}
+	if rule.RuleID != "global_capture" {
+		t.Fatalf("unexpected rule selected: %s", rule.RuleID)
+	}
+}
+
+func TestResolver_OrgOverridesGlobal(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	org := primitive.NewObjectID()
+	globalPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "global_capture", Trigger: model.TriggerCapture, Priority: 5, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	orgPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "org_capture", Trigger: model.TriggerCapture, Priority: 10, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	orgPlan.OrganizationRef = &org
+	store := &memoryPlansStore{plans: []*model.FeePlan{globalPlan, orgPlan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected org plan rule, got error: %v", err)
+	}
+	if rule.RuleID != "org_capture" {
+		t.Fatalf("expected org rule, got %s", rule.RuleID)
+	}
+
+	otherOrg := primitive.NewObjectID()
+	_, rule, err = resolver.ResolveFeeRule(context.Background(), &otherOrg, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected global fallback for other org, got error: %v", err)
+	}
+	if rule.RuleID != "global_capture" {
+		t.Fatalf("expected global rule, got %s", rule.RuleID)
+	}
+}
+
+func TestResolver_SelectsHighestPriority(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	org := primitive.NewObjectID()
+	plan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "low", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+			{RuleID: "high", Trigger: model.TriggerCapture, Priority: 200, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	plan.OrganizationRef = &org
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{plan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected rule resolution, got error: %v", err)
+	}
+	if rule.RuleID != "high" {
+		t.Fatalf("expected highest priority rule, got %s", rule.RuleID)
+	}
+
+	plan.Rules = append(plan.Rules, model.FeeRule{
+		RuleID:        "conflict",
+		Trigger:       model.TriggerCapture,
+		Priority:      200,
+		Percentage:    "0.02",
+		EffectiveFrom: now.Add(-time.Hour),
+	})
+
+	if _, _, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil); !errors.Is(err, ErrConflictingFeeRules) {
+		t.Fatalf("expected conflicting fee rules error, got %v", err)
+	}
+}
+
+func TestResolver_EffectiveDateFiltering(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	org := primitive.NewObjectID()
+	past := now.Add(-24 * time.Hour)
+	future := now.Add(24 * time.Hour)
+
+	orgPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: past,
+		Rules: []model.FeeRule{
+			{RuleID: "expired", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: past, EffectiveTo: &past},
+		},
+	}
+	orgPlan.OrganizationRef = &org
+
+	globalPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: past,
+		Rules: []model.FeeRule{
+			{RuleID: "current", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: past, EffectiveTo: &future},
+		},
+	}
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{orgPlan, globalPlan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected fallback to global, got error: %v", err)
+	}
+	if rule.RuleID != "current" {
+		t.Fatalf("expected current global rule, got %s", rule.RuleID)
+	}
+}
+
+func TestResolver_AppliesToFiltering(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	plan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "card", Trigger: model.TriggerCapture, Priority: 200, Percentage: "0.03", AppliesTo: map[string]string{"paymentMethod": "card"}, EffectiveFrom: now.Add(-time.Hour)},
+			{RuleID: "default", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	store := &memoryPlansStore{plans: []*model.FeePlan{plan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), nil, model.TriggerCapture, now, map[string]string{"paymentMethod": "card"})
+	if err != nil {
+		t.Fatalf("expected card rule, got error: %v", err)
+	}
+	if rule.RuleID != "card" {
+		t.Fatalf("expected card rule, got %s", rule.RuleID)
+	}
+
+	_, rule, err = resolver.ResolveFeeRule(context.Background(), nil, model.TriggerCapture, now, map[string]string{"paymentMethod": "bank"})
+	if err != nil {
+		t.Fatalf("expected default rule, got error: %v", err)
+	}
+	if rule.RuleID != "default" {
+		t.Fatalf("expected default rule, got %s", rule.RuleID)
+	}
+}
+
+func TestResolver_MissingTriggerReturnsErr(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	plan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "capture", Trigger: model.TriggerCapture, Priority: 10, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	store := &memoryPlansStore{plans: []*model.FeePlan{plan}}
+	resolver := New(store, zap.NewNop())
+
+	if _, _, err := resolver.ResolveFeeRule(context.Background(), nil, model.TriggerRefund, now, nil); !errors.Is(err, ErrNoFeeRuleFound) {
+		t.Fatalf("expected ErrNoFeeRuleFound, got %v", err)
+	}
+}
+
+func TestResolver_MultipleActivePlansConflict(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	org := primitive.NewObjectID()
+	p1 := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "r1", Trigger: model.TriggerCapture, Priority: 10, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	p1.OrganizationRef = &org
+	p2 := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-30 * time.Minute),
+		Rules: []model.FeeRule{
+			{RuleID: "r2", Trigger: model.TriggerCapture, Priority: 20, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	p2.OrganizationRef = &org
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{p1, p2}}
+	resolver := New(store, zap.NewNop())
+
+	if _, _, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil); !errors.Is(err, storage.ErrConflictingFeePlans) {
+		t.Fatalf("expected conflicting plans error, got %v", err)
+	}
+}
+
+type memoryPlansStore struct {
+	plans []*model.FeePlan
+}
+
+func (m *memoryPlansStore) Create(context.Context, *model.FeePlan) error { return nil }
+func (m *memoryPlansStore) Update(context.Context, *model.FeePlan) error { return nil }
+func (m *memoryPlansStore) Get(context.Context, primitive.ObjectID) (*model.FeePlan, error) {
+	return nil, storage.ErrFeePlanNotFound
+}
+
+func (m *memoryPlansStore) GetActivePlan(ctx context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
+	if !orgRef.IsZero() {
+		if plan, err := m.FindActiveOrgPlan(ctx, orgRef, at); err == nil {
+			return plan, nil
+		} else if !errors.Is(err, storage.ErrFeePlanNotFound) {
+			return nil, err
+		}
+	}
+	return m.FindActiveGlobalPlan(ctx, at)
+}
+
+func (m *memoryPlansStore) FindActiveOrgPlan(_ context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
+	var matches []*model.FeePlan
+	for _, plan := range m.plans {
+		if plan == nil || plan.OrganizationRef == nil || plan.OrganizationRef.IsZero() || (*plan.OrganizationRef != orgRef) {
+			continue
+		}
+		if !plan.Active {
+			continue
+		}
+		if plan.EffectiveFrom.After(at) {
+			continue
+		}
+		if plan.EffectiveTo != nil && !plan.EffectiveTo.After(at) {
+			continue
+		}
+		matches = append(matches, plan)
+	}
+	if len(matches) == 0 {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if len(matches) > 1 {
+		return nil, storage.ErrConflictingFeePlans
+	}
+	return matches[0], nil
+}
+
+func (m *memoryPlansStore) FindActiveGlobalPlan(_ context.Context, at time.Time) (*model.FeePlan, error) {
+	var matches []*model.FeePlan
+	for _, plan := range m.plans {
+		if plan == nil || ((plan.OrganizationRef != nil) && !plan.OrganizationRef.IsZero()) {
+			continue
+		}
+		if !plan.Active {
+			continue
+		}
+		if plan.EffectiveFrom.After(at) {
+			continue
+		}
+		if plan.EffectiveTo != nil && !plan.EffectiveTo.After(at) {
+			continue
+		}
+		matches = append(matches, plan)
+	}
+	if len(matches) == 0 {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if len(matches) > 1 {
+		return nil, storage.ErrConflictingFeePlans
+	}
+	return matches[0], nil
+}
+
+var _ storage.PlansStore = (*memoryPlansStore)(nil)

api/billing/fees/internal/service/fees/logging.go

@@ -0,0 +1,88 @@
+package fees
+
+import (
+	"strings"
+	"time"
+
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
+	"go.uber.org/zap"
+)
+
+func requestLogFields(meta *feesv1.RequestMeta, intent *feesv1.Intent) []zap.Field {
+	fields := logFieldsFromRequestMeta(meta)
+	fields = append(fields, logFieldsFromIntent(intent)...)
+	return fields
+}
+
+func logFieldsFromRequestMeta(meta *feesv1.RequestMeta) []zap.Field {
+	if meta == nil {
+		return nil
+	}
+	fields := make([]zap.Field, 0, 4)
+	if org := strings.TrimSpace(meta.GetOrganizationRef()); org != "" {
+		fields = append(fields, zap.String("organization_ref", org))
+	}
+	fields = append(fields, logFieldsFromTrace(meta.GetTrace())...)
+	return fields
+}
+
+func logFieldsFromIntent(intent *feesv1.Intent) []zap.Field {
+	if intent == nil {
+		return nil
+	}
+	fields := make([]zap.Field, 0, 5)
+	if trigger := intent.GetTrigger(); trigger != feesv1.Trigger_TRIGGER_UNSPECIFIED {
+		fields = append(fields, zap.String("trigger", trigger.String()))
+	}
+	if base := intent.GetBaseAmount(); base != nil {
+		if amount := strings.TrimSpace(base.GetAmount()); amount != "" {
+			fields = append(fields, zap.String("base_amount", amount))
+		}
+		if currency := strings.TrimSpace(base.GetCurrency()); currency != "" {
+			fields = append(fields, zap.String("base_currency", currency))
+		}
+	}
+	if booked := intent.GetBookedAt(); booked != nil && booked.IsValid() {
+		fields = append(fields, zap.Time("booked_at", booked.AsTime()))
+	}
+	if attrs := intent.GetAttributes(); len(attrs) > 0 {
+		fields = append(fields, zap.Int("attributes_count", len(attrs)))
+	}
+	return fields
+}
+
+func logFieldsFromTrace(trace *tracev1.TraceContext) []zap.Field {
+	if trace == nil {
+		return nil
+	}
+	fields := make([]zap.Field, 0, 3)
+	if reqRef := strings.TrimSpace(trace.GetRequestRef()); reqRef != "" {
+		fields = append(fields, zap.String("request_ref", reqRef))
+	}
+	if idem := strings.TrimSpace(trace.GetIdempotencyKey()); idem != "" {
+		fields = append(fields, zap.String("idempotency_key", idem))
+	}
+	if traceRef := strings.TrimSpace(trace.GetTraceRef()); traceRef != "" {
+		fields = append(fields, zap.String("trace_ref", traceRef))
+	}
+	return fields
+}
+
+func logFieldsFromTokenPayload(payload *feeQuoteTokenPayload) []zap.Field {
+	if payload == nil {
+		return nil
+	}
+	fields := make([]zap.Field, 0, 6)
+	if org := strings.TrimSpace(payload.OrganizationRef); org != "" {
+		fields = append(fields, zap.String("organization_ref", org))
+	}
+	if payload.ExpiresAtUnixMs > 0 {
+		fields = append(fields,
+			zap.Int64("expires_at_unix_ms", payload.ExpiresAtUnixMs),
+			zap.Time("expires_at", time.UnixMilli(payload.ExpiresAtUnixMs)))
+	}
+	fields = append(fields, logFieldsFromIntent(payload.Intent)...)
+	fields = append(fields, logFieldsFromTrace(payload.Trace)...)
+	return fields
+}

api/billing/fees/internal/service/fees/options.go

@@ -1,6 +1,7 @@
 package fees
 
 import (
+	internalcalculator "github.com/tech/sendico/billing/fees/internal/service/fees/internal/calculator"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
 	clockpkg "github.com/tech/sendico/pkg/clock"
 )
@@ -30,8 +31,18 @@ func WithCalculator(calculator Calculator) Option {
 func WithOracleClient(oracle oracleclient.Client) Option {
 	return func(s *Service) {
 		s.oracle = oracle
-		if qc, ok := s.calculator.(*quoteCalculator); ok {
+		// Rebuild default calculator if none was injected.
-			qc.oracle = oracle
+		if s.calculator == nil {
+			s.calculator = internalcalculator.New(s.logger, oracle)
+		}
+	}
+}
+
+// WithFeeResolver injects a custom fee resolver (useful for tests).
+func WithFeeResolver(r FeeResolver) Option {
+	return func(s *Service) {
+		if r != nil {
+			s.resolver = r
 		}
 	}
 }

api/billing/fees/internal/service/fees/resolver.go

@@ -0,0 +1,15 @@
+package fees
+
+import (
+	"context"
+	"time"
+
+	"github.com/tech/sendico/billing/fees/storage/model"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+)
+
+// FeeResolver centralises plan/rule resolution with org override and global fallback.
+// Implementations live under the internal/resolver package.
+type FeeResolver interface {
+	ResolveFeeRule(ctx context.Context, orgID *primitive.ObjectID, trigger model.Trigger, at time.Time, attrs map[string]string) (*model.FeePlan, *model.FeeRule, error)
+}

api/billing/fees/internal/service/fees/service.go

@@ -8,7 +8,10 @@ import (
 	"strings"
 	"time"
 
+	internalcalculator "github.com/tech/sendico/billing/fees/internal/service/fees/internal/calculator"
+	"github.com/tech/sendico/billing/fees/internal/service/fees/internal/resolver"
 	"github.com/tech/sendico/billing/fees/storage"
+	"github.com/tech/sendico/billing/fees/storage/model"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
 	"github.com/tech/sendico/pkg/api/routers"
 	clockpkg "github.com/tech/sendico/pkg/clock"
@@ -32,6 +35,7 @@ type Service struct {
 	clock      clockpkg.Clock
 	calculator Calculator
 	oracle     oracleclient.Client
+	resolver   FeeResolver
 	feesv1.UnimplementedFeeEngineServer
 }
 
@@ -52,7 +56,10 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 		svc.clock = clockpkg.NewSystem()
 	}
 	if svc.calculator == nil {
-		svc.calculator = newQuoteCalculator(svc.logger, svc.oracle)
+		svc.calculator = internalcalculator.New(svc.logger, svc.oracle)
+	}
+	if svc.resolver == nil {
+		svc.resolver = resolver.New(repo.Plans(), svc.logger)
 	}
 
 	return svc
@@ -65,26 +72,57 @@ func (s *Service) Register(router routers.GRPC) error {
 }
 
 func (s *Service) QuoteFees(ctx context.Context, req *feesv1.QuoteFeesRequest) (resp *feesv1.QuoteFeesResponse, err error) {
+	var (
+		meta   *feesv1.RequestMeta
+		intent *feesv1.Intent
+	)
+	if req != nil {
+		meta = req.GetMeta()
+		intent = req.GetIntent()
+	}
+	logger := s.logger.With(requestLogFields(meta, intent)...)
+
 	start := s.clock.Now()
 	trigger := feesv1.Trigger_TRIGGER_UNSPECIFIED
-	if req != nil && req.GetIntent() != nil {
+	if intent != nil {
-		trigger = req.GetIntent().GetTrigger()
+		trigger = intent.GetTrigger()
 	}
 	var fxUsed bool
 	defer func() {
 		statusLabel := statusFromError(err)
+		linesCount := 0
+		appliedCount := 0
 		if err == nil && resp != nil {
 			fxUsed = resp.GetFxUsed() != nil
+			linesCount = len(resp.GetLines())
+			appliedCount = len(resp.GetApplied())
 		}
 		observeMetrics("quote", trigger, statusLabel, fxUsed, time.Since(start))
+
+		logFields := []zap.Field{
+			zap.String("status", statusLabel),
+			zap.Duration("duration", time.Since(start)),
+			zap.Bool("fx_used", fxUsed),
+			zap.String("trigger", trigger.String()),
+			zap.Int("lines", linesCount),
+			zap.Int("applied_rules", appliedCount),
+		}
+		if err != nil {
+			logger.Warn("QuoteFees finished", append(logFields, zap.Error(err))...)
+			return
+		}
+		logger.Info("QuoteFees finished", logFields...)
 	}()
 
+	logger.Debug("QuoteFees request received")
+
 	if err = s.validateQuoteRequest(req); err != nil {
 		return nil, err
 	}
 
 	orgRef, parseErr := primitive.ObjectIDFromHex(req.GetMeta().GetOrganizationRef())
 	if parseErr != nil {
+		logger.Warn("QuoteFees invalid organization_ref", zap.Error(parseErr))
 		err = status.Error(codes.InvalidArgument, "invalid organization_ref")
 		return nil, err
 	}
@@ -105,20 +143,59 @@ func (s *Service) QuoteFees(ctx context.Context, req *feesv1.QuoteFeesRequest) (
 }
 
 func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFeesRequest) (resp *feesv1.PrecomputeFeesResponse, err error) {
+	var (
+		meta   *feesv1.RequestMeta
+		intent *feesv1.Intent
+	)
+	if req != nil {
+		meta = req.GetMeta()
+		intent = req.GetIntent()
+	}
+	logger := s.logger.With(requestLogFields(meta, intent)...)
+
 	start := s.clock.Now()
 	trigger := feesv1.Trigger_TRIGGER_UNSPECIFIED
-	if req != nil && req.GetIntent() != nil {
+	if intent != nil {
-		trigger = req.GetIntent().GetTrigger()
+		trigger = intent.GetTrigger()
 	}
-	var fxUsed bool
+	var (
+		fxUsed    bool
+		expiresAt time.Time
+	)
 	defer func() {
 		statusLabel := statusFromError(err)
+		linesCount := 0
+		appliedCount := 0
 		if err == nil && resp != nil {
 			fxUsed = resp.GetFxUsed() != nil
+			linesCount = len(resp.GetLines())
+			appliedCount = len(resp.GetApplied())
+			if ts := resp.GetExpiresAt(); ts != nil {
+				expiresAt = ts.AsTime()
+			}
 		}
 		observeMetrics("precompute", trigger, statusLabel, fxUsed, time.Since(start))
+
+		logFields := []zap.Field{
+			zap.String("status", statusLabel),
+			zap.Duration("duration", time.Since(start)),
+			zap.Bool("fx_used", fxUsed),
+			zap.String("trigger", trigger.String()),
+			zap.Int("lines", linesCount),
+			zap.Int("applied_rules", appliedCount),
+		}
+		if !expiresAt.IsZero() {
+			logFields = append(logFields, zap.Time("expires_at", expiresAt))
+		}
+		if err != nil {
+			logger.Warn("PrecomputeFees finished", append(logFields, zap.Error(err))...)
+			return
+		}
+		logger.Info("PrecomputeFees finished", logFields...)
 	}()
 
+	logger.Debug("PrecomputeFees request received")
+
 	if err = s.validatePrecomputeRequest(req); err != nil {
 		return nil, err
 	}
@@ -127,6 +204,7 @@ func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFees
 
 	orgRef, parseErr := primitive.ObjectIDFromHex(req.GetMeta().GetOrganizationRef())
 	if parseErr != nil {
+		logger.Warn("PrecomputeFees invalid organization_ref", zap.Error(parseErr))
 		err = status.Error(codes.InvalidArgument, "invalid organization_ref")
 		return nil, err
 	}
@@ -141,7 +219,7 @@ func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFees
 	if ttl <= 0 {
 		ttl = 60000
 	}
-	expiresAt := now.Add(time.Duration(ttl) * time.Millisecond)
+	expiresAt = now.Add(time.Duration(ttl) * time.Millisecond)
 
 	payload := feeQuoteTokenPayload{
 		OrganizationRef: req.GetMeta().GetOrganizationRef(),
@@ -152,7 +230,7 @@ func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFees
 
 	var token string
 	if token, err = encodeTokenPayload(payload); err != nil {
-		s.logger.Warn("failed to encode fee quote token", zap.Error(err))
+		logger.Warn("failed to encode fee quote token", zap.Error(err))
 		err = status.Error(codes.Internal, "failed to encode fee quote token")
 		return nil, err
 	}
@@ -169,9 +247,18 @@ func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFees
 }
 
 func (s *Service) ValidateFeeToken(ctx context.Context, req *feesv1.ValidateFeeTokenRequest) (resp *feesv1.ValidateFeeTokenResponse, err error) {
+	tokenLen := 0
+	if req != nil {
+		tokenLen = len(strings.TrimSpace(req.GetFeeQuoteToken()))
+	}
+	logger := s.logger.With(zap.Int("token_length", tokenLen))
+
 	start := s.clock.Now()
 	trigger := feesv1.Trigger_TRIGGER_UNSPECIFIED
-	var fxUsed bool
+	var (
+		fxUsed       bool
+		resultReason string
+	)
 	defer func() {
 		statusLabel := statusFromError(err)
 		if err == nil && resp != nil {
@@ -184,9 +271,28 @@ func (s *Service) ValidateFeeToken(ctx context.Context, req *feesv1.ValidateFeeT
 			}
 		}
 		observeMetrics("validate", trigger, statusLabel, fxUsed, time.Since(start))
+
+		logFields := []zap.Field{
+			zap.String("status", statusLabel),
+			zap.Duration("duration", time.Since(start)),
+			zap.Bool("fx_used", fxUsed),
+			zap.String("trigger", trigger.String()),
+			zap.Bool("valid", resp != nil && resp.GetValid()),
+		}
+		if resultReason != "" {
+			logFields = append(logFields, zap.String("reason", resultReason))
+		}
+		if err != nil {
+			logger.Warn("ValidateFeeToken finished", append(logFields, zap.Error(err))...)
+			return
+		}
+		logger.Info("ValidateFeeToken finished", logFields...)
 	}()
 
+	logger.Debug("ValidateFeeToken request received")
+
 	if req == nil || strings.TrimSpace(req.GetFeeQuoteToken()) == "" {
+		resultReason = "missing_token"
 		err = status.Error(codes.InvalidArgument, "fee_quote_token is required")
 		return nil, err
 	}
@@ -195,21 +301,29 @@ func (s *Service) ValidateFeeToken(ctx context.Context, req *feesv1.ValidateFeeT
 
 	payload, decodeErr := decodeTokenPayload(req.GetFeeQuoteToken())
 	if decodeErr != nil {
-		s.logger.Warn("failed to decode fee quote token", zap.Error(decodeErr))
+		resultReason = "invalid_token"
+		logger.Warn("failed to decode fee quote token", zap.Error(decodeErr))
 		resp = &feesv1.ValidateFeeTokenResponse{Meta: &feesv1.ResponseMeta{}, Valid: false, Reason: "invalid_token"}
 		return resp, nil
 	}
 
-	trigger = payload.Intent.GetTrigger()
+	logger = logger.With(logFieldsFromTokenPayload(&payload)...)
+
+	if payload.Intent != nil {
+		trigger = payload.Intent.GetTrigger()
+	}
 
 	if now.UnixMilli() > payload.ExpiresAtUnixMs {
+		resultReason = "expired"
+		logger.Info("fee quote token expired")
 		resp = &feesv1.ValidateFeeTokenResponse{Meta: &feesv1.ResponseMeta{}, Valid: false, Reason: "expired"}
 		return resp, nil
 	}
 
 	orgRef, parseErr := primitive.ObjectIDFromHex(payload.OrganizationRef)
 	if parseErr != nil {
-		s.logger.Warn("token contained invalid organization reference", zap.Error(parseErr))
+		resultReason = "invalid_token"
+		logger.Warn("token contained invalid organization reference", zap.Error(parseErr))
 		resp = &feesv1.ValidateFeeTokenResponse{Meta: &feesv1.ResponseMeta{}, Valid: false, Reason: "invalid_token"}
 		return resp, nil
 	}
@@ -273,21 +387,50 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 		bookedAt = intent.GetBookedAt().AsTime()
 	}
 
-	plan, err := s.storage.Plans().GetActivePlan(ctx, orgRef, bookedAt)
+	logFields := []zap.Field{
-	if err != nil {
+		zap.Time("booked_at_used", bookedAt),
-		if errors.Is(err, storage.ErrFeePlanNotFound) {
-			return nil, nil, nil, status.Error(codes.NotFound, "fee plan not found")
-		}
-		s.logger.Warn("failed to load active fee plan", zap.Error(err))
-		return nil, nil, nil, status.Error(codes.Internal, "failed to load fee plan")
 	}
+	if !orgRef.IsZero() {
+		logFields = append(logFields, zap.String("organization_ref", orgRef.Hex()))
+	}
+	logFields = append(logFields, logFieldsFromIntent(intent)...)
+	logFields = append(logFields, logFieldsFromTrace(trace)...)
+	logger := s.logger.With(logFields...)
+
+	var orgPtr *primitive.ObjectID
+	if !orgRef.IsZero() {
+		orgPtr = &orgRef
+	}
+
+	plan, rule, err := s.resolver.ResolveFeeRule(ctx, orgPtr, convertTrigger(intent.GetTrigger()), bookedAt, intent.GetAttributes())
+	if err != nil {
+		switch {
+		case errors.Is(err, merrors.ErrNoData):
+			return nil, nil, nil, status.Error(codes.NotFound, "fee rule not found")
+		case errors.Is(err, merrors.ErrDataConflict):
+			return nil, nil, nil, status.Error(codes.FailedPrecondition, "conflicting fee rules")
+		case errors.Is(err, storage.ErrConflictingFeePlans):
+			return nil, nil, nil, status.Error(codes.FailedPrecondition, "conflicting fee plans")
+		case errors.Is(err, storage.ErrFeePlanNotFound):
+			return nil, nil, nil, status.Error(codes.NotFound, "fee plan not found")
+		default:
+			logger.Warn("failed to resolve fee rule", zap.Error(err))
+			return nil, nil, nil, status.Error(codes.Internal, "failed to resolve fee rule")
+		}
+	}
+
+	originalRules := plan.Rules
+	plan.Rules = []model.FeeRule{*rule}
+	defer func() {
+		plan.Rules = originalRules
+	}()
 
 	result, calcErr := s.calculator.Compute(ctx, plan, intent, bookedAt, trace)
 	if calcErr != nil {
 		if errors.Is(calcErr, merrors.ErrInvalidArg) {
 			return nil, nil, nil, status.Error(codes.InvalidArgument, calcErr.Error())
 		}
-		s.logger.Warn("failed to compute fee quote", zap.Error(calcErr))
+		logger.Warn("failed to compute fee quote", zap.Error(calcErr))
 		return nil, nil, nil, status.Error(codes.Internal, "failed to compute fee quote")
 	}
 

api/billing/fees/internal/service/fees/service_test.go

@@ -2,9 +2,11 @@ package fees
 
 import (
 	"context"
+	"errors"
 	"testing"
 	"time"
 
+	"github.com/tech/sendico/billing/fees/internal/service/fees/types"
 	"github.com/tech/sendico/billing/fees/storage"
 	"github.com/tech/sendico/billing/fees/storage/model"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
@@ -47,7 +49,7 @@ func TestQuoteFees_ComputesDerivedLines(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -161,7 +163,7 @@ func TestQuoteFees_FiltersByAttributesAndDates(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -222,7 +224,7 @@ func TestQuoteFees_RoundingDown(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -263,11 +265,21 @@ func TestQuoteFees_UsesInjectedCalculator(t *testing.T) {
 	plan := &model.FeePlan{
 		Active:        true,
 		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{
+				RuleID:           "stub",
+				Trigger:          model.TriggerCapture,
+				Priority:         1,
+				Percentage:       "0.01",
+				LedgerAccountRef: "acct:stub",
+				EffectiveFrom:    now.Add(-time.Hour),
+			},
+		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
-	result := &CalculationResult{
+	result := &types.CalculationResult{
 		Lines: []*feesv1.DerivedPostingLine{
 			{
 				LedgerAccountRef: "acct:stub",
@@ -341,7 +353,7 @@ func TestQuoteFees_PopulatesFxUsed(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	fakeOracle := &oracleclient.Fake{
 		LatestRateFn: func(ctx context.Context, req oracleclient.LatestRateParams) (*oracleclient.RateSnapshot, error) {
@@ -409,7 +421,8 @@ func (s *stubRepository) Plans() storage.PlansStore {
 }
 
 type stubPlansStore struct {
-	plan *model.FeePlan
+	plan       *model.FeePlan
+	globalPlan *model.FeePlan
 }
 
 func (s *stubPlansStore) Create(context.Context, *model.FeePlan) error {
@@ -425,24 +438,51 @@ func (s *stubPlansStore) Get(context.Context, primitive.ObjectID) (*model.FeePla
 }
 
 func (s *stubPlansStore) GetActivePlan(_ context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
+	if !orgRef.IsZero() {
+		if plan, err := s.FindActiveOrgPlan(context.Background(), orgRef, at); err == nil {
+			return plan, nil
+		} else if !errors.Is(err, storage.ErrFeePlanNotFound) {
+			return nil, err
+		}
+	}
+	return s.FindActiveGlobalPlan(context.Background(), at)
+}
+
+func (s *stubPlansStore) FindActiveOrgPlan(_ context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
 	if s.plan == nil {
 		return nil, storage.ErrFeePlanNotFound
 	}
-	if s.plan.GetOrganizationRef() != orgRef {
+	if (s.plan.OrganizationRef != nil) && (*s.plan.OrganizationRef != orgRef) {
 		return nil, storage.ErrFeePlanNotFound
 	}
 	if !s.plan.Active {
 		return nil, storage.ErrFeePlanNotFound
 	}
-	if !s.plan.EffectiveFrom.Before(at) && !s.plan.EffectiveFrom.Equal(at) {
+	if s.plan.EffectiveFrom.After(at) {
 		return nil, storage.ErrFeePlanNotFound
 	}
-	if s.plan.EffectiveTo != nil && s.plan.EffectiveTo.Before(at) {
+	if s.plan.EffectiveTo != nil && !s.plan.EffectiveTo.After(at) {
 		return nil, storage.ErrFeePlanNotFound
 	}
 	return s.plan, nil
 }
 
+func (s *stubPlansStore) FindActiveGlobalPlan(_ context.Context, at time.Time) (*model.FeePlan, error) {
+	if s.globalPlan == nil {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if !s.globalPlan.Active {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if s.globalPlan.EffectiveFrom.After(at) {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if s.globalPlan.EffectiveTo != nil && !s.globalPlan.EffectiveTo.After(at) {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	return s.globalPlan, nil
+}
+
 type noopProducer struct{}
 
 func (noopProducer) SendMessage(me.Envelope) error {
@@ -458,14 +498,14 @@ func (f fixedClock) Now() time.Time {
 }
 
 type stubCalculator struct {
-	result   *CalculationResult
+	result   *types.CalculationResult
 	err      error
 	called   bool
 	gotPlan  *model.FeePlan
 	bookedAt time.Time
 }
 
-func (s *stubCalculator) Compute(_ context.Context, plan *model.FeePlan, _ *feesv1.Intent, bookedAt time.Time, _ *tracev1.TraceContext) (*CalculationResult, error) {
+func (s *stubCalculator) Compute(_ context.Context, plan *model.FeePlan, _ *feesv1.Intent, bookedAt time.Time, _ *tracev1.TraceContext) (*types.CalculationResult, error) {
 	s.called = true
 	s.gotPlan = plan
 	s.bookedAt = bookedAt

api/billing/fees/internal/service/fees/trigger.go

@@ -0,0 +1,23 @@
+package fees
+
+import (
+	"github.com/tech/sendico/billing/fees/storage/model"
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+)
+
+func convertTrigger(trigger feesv1.Trigger) model.Trigger {
+	switch trigger {
+	case feesv1.Trigger_TRIGGER_CAPTURE:
+		return model.TriggerCapture
+	case feesv1.Trigger_TRIGGER_REFUND:
+		return model.TriggerRefund
+	case feesv1.Trigger_TRIGGER_DISPUTE:
+		return model.TriggerDispute
+	case feesv1.Trigger_TRIGGER_PAYOUT:
+		return model.TriggerPayout
+	case feesv1.Trigger_TRIGGER_FX_CONVERSION:
+		return model.TriggerFXConversion
+	default:
+		return model.TriggerUnspecified
+	}
+}

api/billing/fees/internal/service/fees/types/calculation_result.go

@@ -0,0 +1,12 @@
+package types
+
+import (
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+)
+
+// CalculationResult contains derived fee lines and audit metadata.
+type CalculationResult struct {
+	Lines   []*feesv1.DerivedPostingLine
+	Applied []*feesv1.AppliedRule
+	FxUsed  *feesv1.FXUsed
+}

api/billing/fees/storage/model/plan.go

@@ -5,6 +5,7 @@ import (
 
 	"github.com/tech/sendico/pkg/db/storable"
 	"github.com/tech/sendico/pkg/model"
+	"go.mongodb.org/mongo-driver/bson/primitive"
 )
 
 const (
@@ -25,14 +26,14 @@ const (
 
 // FeePlan describes a collection of fee rules for an organisation.
 type FeePlan struct {
-	storable.Base               `bson:",inline" json:",inline"`
+	storable.Base     `bson:",inline" json:",inline"`
-	model.OrganizationBoundBase `bson:",inline" json:",inline"`
+	model.Describable `bson:",inline" json:",inline"`
-	model.Describable           `bson:",inline" json:",inline"`
+	OrganizationRef   *primitive.ObjectID `bson:"organizationRef,omitempty" json:"organizationRef,omitempty"`
-	Active                      bool              `bson:"active"             json:"active"`
+	Active            bool                `bson:"active"             json:"active"`
-	EffectiveFrom               time.Time         `bson:"effectiveFrom"      json:"effectiveFrom"`
+	EffectiveFrom     time.Time           `bson:"effectiveFrom"      json:"effectiveFrom"`
-	EffectiveTo                 *time.Time        `bson:"effectiveTo,omitempty" json:"effectiveTo,omitempty"`
+	EffectiveTo       *time.Time          `bson:"effectiveTo,omitempty" json:"effectiveTo,omitempty"`
-	Rules                       []FeeRule         `bson:"rules,omitempty"    json:"rules,omitempty"`
+	Rules             []FeeRule           `bson:"rules,omitempty"    json:"rules,omitempty"`
-	Metadata                    map[string]string `bson:"metadata,omitempty" json:"metadata,omitempty"`
+	Metadata          map[string]string   `bson:"metadata,omitempty" json:"metadata,omitempty"`
 }
 
 // Collection implements storable.Storable.
@@ -42,21 +43,21 @@ func (*FeePlan) Collection() string {
 
 // FeeRule represents a single pricing rule within a plan.
 type FeeRule struct {
-	RuleID        string            `bson:"ruleId"                  json:"ruleId"`
+	RuleID           string            `bson:"ruleId"                  json:"ruleId"`
-	Trigger       Trigger           `bson:"trigger"                 json:"trigger"`
+	Trigger          Trigger           `bson:"trigger"                 json:"trigger"`
-	Priority      int               `bson:"priority"                json:"priority"`
+	Priority         int               `bson:"priority"                json:"priority"`
-	Percentage    string            `bson:"percentage,omitempty"    json:"percentage,omitempty"`
+	Percentage       string            `bson:"percentage,omitempty"    json:"percentage,omitempty"`
-	FixedAmount   string            `bson:"fixedAmount,omitempty"   json:"fixedAmount,omitempty"`
+	FixedAmount      string            `bson:"fixedAmount,omitempty"   json:"fixedAmount,omitempty"`
-	Currency      string            `bson:"currency,omitempty"      json:"currency,omitempty"`
+	Currency         string            `bson:"currency,omitempty"      json:"currency,omitempty"`
-	MinimumAmount string            `bson:"minimumAmount,omitempty" json:"minimumAmount,omitempty"`
+	MinimumAmount    string            `bson:"minimumAmount,omitempty" json:"minimumAmount,omitempty"`
-	MaximumAmount string            `bson:"maximumAmount,omitempty" json:"maximumAmount,omitempty"`
+	MaximumAmount    string            `bson:"maximumAmount,omitempty" json:"maximumAmount,omitempty"`
-	AppliesTo     map[string]string `bson:"appliesTo,omitempty"     json:"appliesTo,omitempty"`
+	AppliesTo        map[string]string `bson:"appliesTo,omitempty"     json:"appliesTo,omitempty"`
-	Formula       string            `bson:"formula,omitempty"       json:"formula,omitempty"`
+	Formula          string            `bson:"formula,omitempty"       json:"formula,omitempty"`
-	Metadata      map[string]string `bson:"metadata,omitempty"      json:"metadata,omitempty"`
+	Metadata         map[string]string `bson:"metadata,omitempty"      json:"metadata,omitempty"`
-	LedgerAccountRef string         `bson:"ledgerAccountRef,omitempty" json:"ledgerAccountRef,omitempty"`
+	LedgerAccountRef string            `bson:"ledgerAccountRef,omitempty" json:"ledgerAccountRef,omitempty"`
-	LineType         string         `bson:"lineType,omitempty"        json:"lineType,omitempty"`
+	LineType         string            `bson:"lineType,omitempty"        json:"lineType,omitempty"`
-	EntrySide        string         `bson:"entrySide,omitempty"       json:"entrySide,omitempty"`
+	EntrySide        string            `bson:"entrySide,omitempty"       json:"entrySide,omitempty"`
-	Rounding         string         `bson:"rounding,omitempty"        json:"rounding,omitempty"`
+	Rounding         string            `bson:"rounding,omitempty"        json:"rounding,omitempty"`
-	EffectiveFrom time.Time         `bson:"effectiveFrom"           json:"effectiveFrom"`
+	EffectiveFrom    time.Time         `bson:"effectiveFrom"           json:"effectiveFrom"`
-	EffectiveTo   *time.Time        `bson:"effectiveTo,omitempty"   json:"effectiveTo,omitempty"`
+	EffectiveTo      *time.Time        `bson:"effectiveTo,omitempty"   json:"effectiveTo,omitempty"`
 }

api/billing/fees/storage/mongo/store/plans.go

@@ -3,10 +3,14 @@ package store
 import (
 	"context"
 	"errors"
+	"fmt"
+	"sort"
+	"strings"
 	"time"
 
 	"github.com/tech/sendico/billing/fees/storage"
 	"github.com/tech/sendico/billing/fees/storage/model"
+	dmath "github.com/tech/sendico/pkg/decimal"
 	"github.com/tech/sendico/pkg/db/repository"
 	"github.com/tech/sendico/pkg/db/repository/builder"
 	ri "github.com/tech/sendico/pkg/db/repository/index"
@@ -53,6 +57,19 @@ func NewPlans(logger mlogger.Logger, db *mongo.Database) (storage.PlansStore, er
 		return nil, err
 	}
 
+	// Recommended index to speed up active-plan lookups (org/global + active + dates).
+	activeIndex := &ri.Definition{
+		Keys: []ri.Key{
+			{Field: m.OrganizationRefField, Sort: ri.Asc},
+			{Field: "active", Sort: ri.Asc},
+			{Field: "effectiveFrom", Sort: ri.Asc},
+			{Field: "effectiveTo", Sort: ri.Asc},
+		},
+	}
+	if err := repo.CreateIndex(activeIndex); err != nil {
+		logger.Warn("failed to ensure fee plan active index", zap.Error(err))
+	}
+
 	return &plansStore{
 		logger: logger.Named("plans"),
 		repo:   repo,
@@ -60,9 +77,13 @@ func NewPlans(logger mlogger.Logger, db *mongo.Database) (storage.PlansStore, er
 }
 
 func (p *plansStore) Create(ctx context.Context, plan *model.FeePlan) error {
-	if plan == nil {
+	if err := validatePlan(plan); err != nil {
-		return merrors.InvalidArgument("plansStore: nil fee plan")
+		return err
 	}
+	if err := p.ensureNoOverlap(ctx, plan); err != nil {
+		return err
+	}
+
 	if err := p.repo.Insert(ctx, plan, nil); err != nil {
 		if errors.Is(err, merrors.ErrDataConflict) {
 			return storage.ErrDuplicateFeePlan
@@ -77,6 +98,13 @@ func (p *plansStore) Update(ctx context.Context, plan *model.FeePlan) error {
 	if plan == nil || plan.GetID() == nil || plan.GetID().IsZero() {
 		return merrors.InvalidArgument("plansStore: invalid fee plan reference")
 	}
+	if err := validatePlan(plan); err != nil {
+		return err
+	}
+	if err := p.ensureNoOverlap(ctx, plan); err != nil {
+		return err
+	}
+
 	if err := p.repo.Update(ctx, plan); err != nil {
 		p.logger.Warn("failed to update fee plan", zap.Error(err))
 		return err
@@ -99,13 +127,42 @@ func (p *plansStore) Get(ctx context.Context, planRef primitive.ObjectID) (*mode
 }
 
 func (p *plansStore) GetActivePlan(ctx context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
+	// Compatibility shim: prefer org plan, fall back to global; allow zero org to mean global.
+	if orgRef.IsZero() {
+		return p.FindActiveGlobalPlan(ctx, at)
+	}
+
+	plan, err := p.FindActiveOrgPlan(ctx, orgRef, at)
+	if err == nil {
+		return plan, nil
+	}
+	if errors.Is(err, storage.ErrFeePlanNotFound) {
+		return p.FindActiveGlobalPlan(ctx, at)
+	}
+	return nil, err
+}
+
+func (p *plansStore) FindActiveOrgPlan(ctx context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
 	if orgRef.IsZero() {
 		return nil, merrors.InvalidArgument("plansStore: zero organization reference")
 	}
+	query := repository.Query().Filter(repository.OrgField(), orgRef)
+	return p.findActivePlan(ctx, query, at)
+}
 
-	limit := int64(1)
+func (p *plansStore) FindActiveGlobalPlan(ctx context.Context, at time.Time) (*model.FeePlan, error) {
-	query := repository.Query().
+	globalQuery := repository.Query().Or(
-		Filter(repository.OrgField(), orgRef).
+		repository.Exists(repository.OrgField(), false),
+		repository.Query().Filter(repository.OrgField(), nil),
+	)
+	return p.findActivePlan(ctx, globalQuery, at)
+}
+
+var _ storage.PlansStore = (*plansStore)(nil)
+
+func (p *plansStore) findActivePlan(ctx context.Context, orgQuery builder.Query, at time.Time) (*model.FeePlan, error) {
+	limit := int64(2)
+	query := orgQuery.
 		Filter(repository.Field("active"), true).
 		Comparison(repository.Field("effectiveFrom"), builder.Lte, at).
 		Sort(repository.Field("effectiveFrom"), false).
@@ -118,13 +175,13 @@ func (p *plansStore) GetActivePlan(ctx context.Context, orgRef primitive.ObjectI
 		),
 	)
 
-	var plan *model.FeePlan
+	var plans []*model.FeePlan
 	decoder := func(cursor *mongo.Cursor) error {
 		target := &model.FeePlan{}
 		if err := cursor.Decode(target); err != nil {
 			return err
 		}
-		plan = target
+		plans = append(plans, target)
 		return nil
 	}
 
@@ -135,10 +192,127 @@ func (p *plansStore) GetActivePlan(ctx context.Context, orgRef primitive.ObjectI
 		return nil, err
 	}
 
-	if plan == nil {
+	if len(plans) == 0 {
 		return nil, storage.ErrFeePlanNotFound
 	}
-	return plan, nil
+	if len(plans) > 1 {
+		return nil, storage.ErrConflictingFeePlans
+	}
+	return plans[0], nil
 }
 
-var _ storage.PlansStore = (*plansStore)(nil)
+func validatePlan(plan *model.FeePlan) error {
+	if plan == nil {
+		return merrors.InvalidArgument("plansStore: nil fee plan")
+	}
+	if len(plan.Rules) == 0 {
+		return merrors.InvalidArgument("plansStore: fee plan must contain at least one rule")
+	}
+	if plan.Active && plan.EffectiveTo != nil && plan.EffectiveTo.Before(plan.EffectiveFrom) {
+		return merrors.InvalidArgument("plansStore: effectiveTo cannot be before effectiveFrom")
+	}
+
+	// Ensure unique priority per (trigger, appliesTo) combination.
+	seen := make(map[string]struct{})
+	for _, rule := range plan.Rules {
+		if strings.TrimSpace(rule.Percentage) != "" {
+			if _, err := dmath.RatFromString(rule.Percentage); err != nil {
+				return merrors.InvalidArgument("plansStore: invalid rule percentage")
+			}
+		}
+		if strings.TrimSpace(rule.FixedAmount) != "" {
+			if _, err := dmath.RatFromString(rule.FixedAmount); err != nil {
+				return merrors.InvalidArgument("plansStore: invalid rule fixed amount")
+			}
+		}
+		if strings.TrimSpace(rule.MinimumAmount) != "" {
+			if _, err := dmath.RatFromString(rule.MinimumAmount); err != nil {
+				return merrors.InvalidArgument("plansStore: invalid rule minimum amount")
+			}
+		}
+		if strings.TrimSpace(rule.MaximumAmount) != "" {
+			if _, err := dmath.RatFromString(rule.MaximumAmount); err != nil {
+				return merrors.InvalidArgument("plansStore: invalid rule maximum amount")
+			}
+		}
+
+		appliesKey := normalizeAppliesTo(rule.AppliesTo)
+		priorityKey := fmt.Sprintf("%s|%d|%s", rule.Trigger, rule.Priority, appliesKey)
+		if _, ok := seen[priorityKey]; ok {
+			return merrors.InvalidArgument("plansStore: duplicate priority for trigger/appliesTo")
+		}
+		seen[priorityKey] = struct{}{}
+	}
+	return nil
+}
+
+func normalizeAppliesTo(applies map[string]string) string {
+	if len(applies) == 0 {
+		return ""
+	}
+	keys := make([]string, 0, len(applies))
+	for k := range applies {
+		keys = append(keys, k)
+	}
+	sort.Strings(keys)
+	parts := make([]string, 0, len(keys))
+	for _, k := range keys {
+		parts = append(parts, k+"="+applies[k])
+	}
+	return strings.Join(parts, ",")
+}
+
+func (p *plansStore) ensureNoOverlap(ctx context.Context, plan *model.FeePlan) error {
+	if plan == nil || !plan.Active {
+		return nil
+	}
+
+	orgQuery := repository.Query()
+	if plan.OrganizationRef.IsZero() {
+		orgQuery = repository.Query().Or(
+			repository.Exists(repository.OrgField(), false),
+			repository.Query().Filter(repository.OrgField(), nil),
+		)
+	} else {
+		orgQuery = repository.Query().Filter(repository.OrgField(), plan.OrganizationRef)
+	}
+
+	maxTime := time.Date(9999, 12, 31, 23, 59, 59, 0, time.UTC)
+	newFrom := plan.EffectiveFrom
+	newTo := maxTime
+	if plan.EffectiveTo != nil {
+		newTo = *plan.EffectiveTo
+	}
+
+	query := orgQuery.
+		Filter(repository.Field("active"), true).
+		Comparison(repository.Field("effectiveFrom"), builder.Lte, newTo).
+		And(repository.Query().Or(
+			repository.Query().Filter(repository.Field("effectiveTo"), nil),
+			repository.Query().Comparison(repository.Field("effectiveTo"), builder.Gte, newFrom),
+		))
+
+	if id := plan.GetID(); id != nil && !id.IsZero() {
+		query = query.And(repository.Query().Comparison(repository.IDField(), builder.Ne, *id))
+	}
+
+	limit := int64(1)
+	query = query.Limit(&limit)
+
+	var overlapFound bool
+	decoder := func(cursor *mongo.Cursor) error {
+		overlapFound = true
+		return nil
+	}
+
+	if err := p.repo.FindManyByFilter(ctx, query, decoder); err != nil {
+		if errors.Is(err, merrors.ErrNoData) {
+			return nil
+		}
+		return err
+	}
+	if overlapFound {
+		return storage.ErrConflictingFeePlans
+	}
+	return nil
+}

api/billing/fees/storage/storage.go

@@ -19,6 +19,8 @@ var (
 	ErrFeePlanNotFound = storageError("billing.fees.storage: fee plan not found")
 	// ErrDuplicateFeePlan indicates that a unique plan constraint was violated.
 	ErrDuplicateFeePlan = storageError("billing.fees.storage: duplicate fee plan")
+	// ErrConflictingFeePlans indicates multiple active plans matched a query.
+	ErrConflictingFeePlans = storageError("billing.fees.storage: conflicting fee plans")
 )
 
 // Repository defines the root storage contract for the fees service.
@@ -32,5 +34,6 @@ type PlansStore interface {
 	Create(ctx context.Context, plan *model.FeePlan) error
 	Update(ctx context.Context, plan *model.FeePlan) error
 	Get(ctx context.Context, planRef primitive.ObjectID) (*model.FeePlan, error)
+	// Legacy helper that now prefers an org plan and falls back to a global plan.
 	GetActivePlan(ctx context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error)
 }

api/fx/ingestor/config.yml

@@ -8,12 +8,21 @@ market:
     - driver: COINGECKO
       settings:
         base_url: "https://api.coingecko.com/api/v3"
+    - driver: CBR
+      settings:
+        base_url: "https://www.cbr.ru"
+        user_agent: "Mozilla/5.0 (compatible; SendicoFX/1.0; +https://app.sendico.io)"
+        accept_header: "application/xml,text/xml;q=0.9,*/*;q=0.8"
   pairs:
     BINANCE:
       - base: "USDT"
         quote: "EUR"
         symbol: "EURUSDT"
         invert: true
+      - base: "USD"
+        quote: "USDT"
+        symbol: "USDTUSD"
+        invert: true
       - base: "UAH"
         quote: "USDT"
         symbol: "USDTUAH"
@@ -26,6 +35,15 @@ market:
       - base: "USDT"
         quote: "RUB"
         symbol: "tether:rub"
+    CBR:
+      - base: "USD"
+        quote: "RUB"
+        symbol: "USD"
+        provider: "cbr"
+      - base: "EUR"
+        quote: "RUB"
+        symbol: "EUR"
+        provider: "cbr"
 
 metrics:
   enabled: true

api/fx/ingestor/go.mod

@@ -13,13 +13,14 @@ require (
 	github.com/tech/sendico/fx/storage v0.0.0
 	github.com/tech/sendico/pkg v0.1.0
 	go.uber.org/zap v1.27.1
+	golang.org/x/net v0.48.0
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -31,7 +32,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
@@ -44,12 +45,11 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 	google.golang.org/grpc v1.77.0 // indirect
-	google.golang.org/protobuf v1.36.10 // indirect
+	google.golang.org/protobuf v1.36.11 // indirect
 )

api/fx/ingestor/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -176,35 +176,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -212,12 +212,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/fx/ingestor/internal/app/app.go

@@ -7,12 +7,12 @@ import (
 
 	"github.com/tech/sendico/fx/ingestor/internal/appversion"
 	"github.com/tech/sendico/fx/ingestor/internal/config"
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	"github.com/tech/sendico/fx/ingestor/internal/ingestor"
 	"github.com/tech/sendico/fx/ingestor/internal/metrics"
 	mongostorage "github.com/tech/sendico/fx/storage/mongo"
 	"github.com/tech/sendico/pkg/api/routers/health"
 	"github.com/tech/sendico/pkg/db"
+	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
 	"go.uber.org/zap"
 )
@@ -26,7 +26,7 @@ type App struct {
 
 func New(logger mlogger.Logger, cfgPath string) (*App, error) {
 	if logger == nil {
-		return nil, fmerrors.New("app: logger is nil")
+		return nil, merrors.InvalidArgument("app: logger is nil")
 	}
 	path := strings.TrimSpace(cfgPath)
 	if path == "" {

api/fx/ingestor/internal/config/config.go

@@ -5,9 +5,9 @@ import (
 	"strings"
 	"time"
 
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
 	"github.com/tech/sendico/pkg/db"
+	"github.com/tech/sendico/pkg/merrors"
 	"gopkg.in/yaml.v3"
 )
 
@@ -25,33 +25,33 @@ type Config struct {
 
 func Load(path string) (*Config, error) {
 	if path == "" {
-		return nil, fmerrors.New("config: path is empty")
+		return nil, merrors.InvalidArgument("config: path is empty")
 	}
 
 	data, err := os.ReadFile(path)
 	if err != nil {
-		return nil, fmerrors.Wrap("config: failed to read file", err)
+		return nil, merrors.InternalWrap(err, "config: failed to read file")
 	}
 
 	cfg := &Config{}
 	if err := yaml.Unmarshal(data, cfg); err != nil {
-		return nil, fmerrors.Wrap("config: failed to parse yaml", err)
+		return nil, merrors.InternalWrap(err, "config: failed to parse yaml")
 	}
 
 	if len(cfg.Market.Sources) == 0 {
-		return nil, fmerrors.New("config: no market sources configured")
+		return nil, merrors.InvalidArgument("config: no market sources configured")
 	}
 	sourceSet := make(map[mmodel.Driver]struct{}, len(cfg.Market.Sources))
 	for idx := range cfg.Market.Sources {
 		src := &cfg.Market.Sources[idx]
 		if src.Driver.IsEmpty() {
-			return nil, fmerrors.New("config: market source driver is empty")
+			return nil, merrors.InvalidArgument("config: market source driver is empty")
 		}
 		sourceSet[src.Driver] = struct{}{}
 	}
 
 	if len(cfg.Market.Pairs) == 0 {
-		return nil, fmerrors.New("config: no pairs configured")
+		return nil, merrors.InvalidArgument("config: no pairs configured")
 	}
 
 	normalizedPairs := make(map[string][]PairConfig, len(cfg.Market.Pairs))
@@ -61,10 +61,10 @@ func Load(path string) (*Config, error) {
 	for rawSource, pairList := range cfg.Market.Pairs {
 		driver := mmodel.Driver(rawSource)
 		if driver.IsEmpty() {
-			return nil, fmerrors.New("config: pair source is empty")
+			return nil, merrors.InvalidArgument("config: pair source is empty")
 		}
 		if _, ok := sourceSet[driver]; !ok {
-			return nil, fmerrors.New("config: pair references unknown source: " + driver.String())
+			return nil, merrors.InvalidArgument("config: pair references unknown source: "+driver.String(), "pairs."+driver.String())
 		}
 
 		processed := make([]PairConfig, len(pairList))
@@ -74,7 +74,7 @@ func Load(path string) (*Config, error) {
 			pair.Quote = strings.ToUpper(strings.TrimSpace(pair.Quote))
 			pair.Symbol = strings.TrimSpace(pair.Symbol)
 			if pair.Base == "" || pair.Quote == "" || pair.Symbol == "" {
-				return nil, fmerrors.New("config: pair entries must define base, quote, and symbol")
+				return nil, merrors.InvalidArgument("config: pair entries must define base, quote, and symbol", "pairs."+driver.String())
 			}
 			if strings.TrimSpace(pair.Provider) == "" {
 				pair.Provider = strings.ToLower(driver.String())
@@ -93,7 +93,7 @@ func Load(path string) (*Config, error) {
 	cfg.pairsBySource = pairsBySource
 	cfg.pairs = flattened
 	if cfg.Database == nil {
-		return nil, fmerrors.New("config: database configuration is required")
+		return nil, merrors.InvalidArgument("config: database configuration is required")
 	}
 
 	if cfg.Metrics != nil && cfg.Metrics.Enabled {

api/fx/ingestor/internal/fmerrors/market.go

@@ -1,35 +0,0 @@
-package fmerrors
-
-type Error struct {
-	message string
-	cause   error
-}
-
-func (e *Error) Error() string {
-	if e == nil {
-		return ""
-	}
-	if e.cause == nil {
-		return e.message
-	}
-	return e.message + ": " + e.cause.Error()
-}
-
-func (e *Error) Unwrap() error {
-	if e == nil {
-		return nil
-	}
-	return e.cause
-}
-
-func New(message string) error {
-	return &Error{message: message}
-}
-
-func Wrap(message string, cause error) error {
-	return &Error{message: message, cause: cause}
-}
-
-func NewDecimal(value string) error {
-	return &Error{message: "invalid decimal \"" + value + "\""}
-}

api/fx/ingestor/internal/ingestor/service.go

@@ -6,11 +6,11 @@ import (
 	"time"
 
 	"github.com/tech/sendico/fx/ingestor/internal/config"
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	"github.com/tech/sendico/fx/ingestor/internal/market"
 	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
 	"github.com/tech/sendico/fx/storage"
 	"github.com/tech/sendico/fx/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
 	"go.uber.org/zap"
 )
@@ -26,18 +26,18 @@ type Service struct {
 
 func New(logger mlogger.Logger, cfg *config.Config, repo storage.Repository) (*Service, error) {
 	if logger == nil {
-		return nil, fmerrors.New("ingestor: nil logger")
+		return nil, merrors.InvalidArgument("ingestor: nil logger")
 	}
 	if cfg == nil {
-		return nil, fmerrors.New("ingestor: nil config")
+		return nil, merrors.InvalidArgument("ingestor: nil config")
 	}
 	if repo == nil {
-		return nil, fmerrors.New("ingestor: nil repository")
+		return nil, merrors.InvalidArgument("ingestor: nil repository")
 	}
 
 	connectors, err := market.BuildConnectors(logger, cfg.Market.Sources)
 	if err != nil {
-		return nil, fmerrors.Wrap("build connectors", err)
+		return nil, merrors.InternalWrap(err, "build connectors")
 	}
 
 	return &Service{
@@ -85,6 +85,7 @@ func (s *Service) executePoll(ctx context.Context) error {
 
 func (s *Service) pollOnce(ctx context.Context) error {
 	var firstErr error
+	failures := 0
 	for _, pair := range s.pairs {
 		start := time.Now()
 		err := s.upsertPair(ctx, pair)
@@ -96,35 +97,45 @@ func (s *Service) pollOnce(ctx context.Context) error {
 			if firstErr == nil {
 				firstErr = err
 			}
+			failures++
 			s.logger.Warn("Failed to ingest pair",
 				zap.String("symbol", pair.Symbol),
 				zap.String("source", pair.Source.String()),
+				zap.String("provider", pair.Provider),
+				zap.String("base", pair.Base),
+				zap.String("quote", pair.Quote),
+				zap.Bool("invert", pair.Invert),
 				zap.Duration("elapsed", elapsed),
 				zap.Error(err),
 			)
 		}
 	}
+	if failures > 0 {
+		s.logger.Warn("Ingestion poll completed with failures", zap.Int("failures", failures), zap.Int("total", len(s.pairs)))
+	} else {
+		s.logger.Info("Ingestion poll completed", zap.Int("total", len(s.pairs)))
+	}
 	return firstErr
 }
 
 func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 	connector, ok := s.connectors[pair.Source]
 	if !ok {
-		return fmerrors.Wrap("connector not configured for source "+pair.Source.String(), nil)
+		return merrors.InvalidArgument("connector not configured for source "+pair.Source.String(), "source")
 	}
 
 	ticker, err := connector.FetchTicker(ctx, pair.Symbol)
 	if err != nil {
-		return fmerrors.Wrap("fetch ticker", err)
+		return merrors.InternalWrap(err, "fetch ticker: "+pair.Symbol)
 	}
 
 	bid, err := parseDecimal(ticker.BidPrice)
 	if err != nil {
-		return fmerrors.Wrap("parse bid price", err)
+		return merrors.InvalidArgumentWrap(err, "parse bid price", "bid")
 	}
 	ask, err := parseDecimal(ticker.AskPrice)
 	if err != nil {
-		return fmerrors.Wrap("parse ask price", err)
+		return merrors.InvalidArgumentWrap(err, "parse ask price", "ask")
 	}
 
 	if pair.Invert {
@@ -166,15 +177,20 @@ func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 	}
 
 	if err := s.rates.UpsertSnapshot(ctx, snapshot); err != nil {
-		return fmerrors.Wrap("upsert snapshot", err)
+		return merrors.InternalWrap(err, "upsert snapshot")
 	}
 
 	s.logger.Debug("Snapshot ingested",
 		zap.String("pair", pair.Base+"/"+pair.Quote),
 		zap.String("provider", pair.Provider),
+		zap.String("source", pair.Source.String()),
+		zap.String("provider_ref", snapshot.ProviderRef),
 		zap.String("bid", snapshot.Bid),
 		zap.String("ask", snapshot.Ask),
 		zap.String("mid", snapshot.Mid),
+		zap.String("spread_bps", snapshot.SpreadBps),
+		zap.Int64("asof_unix_ms", snapshot.AsOfUnixMs),
+		zap.String("rate_ref", snapshot.RateRef),
 	)
 
 	return nil
@@ -183,7 +199,7 @@ func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 func parseDecimal(value string) (*big.Rat, error) {
 	r := new(big.Rat)
 	if _, ok := r.SetString(value); !ok {
-		return nil, fmerrors.NewDecimal(value)
+		return nil, merrors.InvalidArgument("invalid decimal \""+value+"\"", "value")
 	}
 	return r, nil
 }

api/fx/ingestor/internal/ingestor/service_test.go

@@ -7,10 +7,10 @@ import (
 
 	"github.com/google/go-cmp/cmp"
 	"github.com/tech/sendico/fx/ingestor/internal/config"
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	mmarket "github.com/tech/sendico/fx/ingestor/internal/model"
 	"github.com/tech/sendico/fx/storage"
 	"github.com/tech/sendico/fx/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
 	"go.uber.org/zap"
 )
 
@@ -131,7 +131,7 @@ func TestServiceUpsertPairInvertsPrices(t *testing.T) {
 }
 
 func TestServicePollOnceReturnsFirstError(t *testing.T) {
-	errFetch := fmerrors.New("fetch failed")
+	errFetch := merrors.Internal("fetch failed")
 	connectorSuccess := &connectorStub{
 		id: mmarket.DriverBinance,
 		ticker: &mmarket.Ticker{

api/fx/ingestor/internal/market/binance/connector.go

@@ -10,9 +10,9 @@ import (
 	"strings"
 	"time"
 
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	"github.com/tech/sendico/fx/ingestor/internal/market/common"
 	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
+	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/model"
 	"go.uber.org/zap"
@@ -60,7 +60,7 @@ func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Conne
 
 	parsed, err := url.Parse(baseURL)
 	if err != nil {
-		return nil, fmerrors.Wrap("binance: invalid base url", err)
+		return nil, merrors.InvalidArgumentWrap(err, "binance: invalid base url", "base_url")
 	}
 
 	transport := &http.Transport{
@@ -89,12 +89,12 @@ func (c *binanceConnector) ID() mmodel.Driver {
 
 func (c *binanceConnector) FetchTicker(ctx context.Context, symbol string) (*mmodel.Ticker, error) {
 	if strings.TrimSpace(symbol) == "" {
-		return nil, fmerrors.New("binance: symbol is empty")
+		return nil, merrors.InvalidArgument("binance: symbol is empty", "symbol")
 	}
 
 	endpoint, err := url.Parse(c.base)
 	if err != nil {
-		return nil, fmerrors.Wrap("binance: parse base url", err)
+		return nil, merrors.InternalWrap(err, "binance: parse base url")
 	}
 	endpoint.Path = "/api/v3/ticker/bookTicker"
 	query := endpoint.Query()
@@ -103,19 +103,19 @@ func (c *binanceConnector) FetchTicker(ctx context.Context, symbol string) (*mmo
 
 	req, err := http.NewRequestWithContext(ctx, http.MethodGet, endpoint.String(), nil)
 	if err != nil {
-		return nil, fmerrors.Wrap("binance: build request", err)
+		return nil, merrors.InternalWrap(err, "binance: build request")
 	}
 
 	resp, err := c.client.Do(req)
 	if err != nil {
 		c.logger.Warn("Binance request failed", zap.String("symbol", symbol), zap.Error(err))
-		return nil, fmerrors.Wrap("binance: request failed", err)
+		return nil, merrors.InternalWrap(err, "binance: request failed")
 	}
 	defer resp.Body.Close()
 
 	if resp.StatusCode != http.StatusOK {
 		c.logger.Warn("Binance returned non-OK status", zap.String("symbol", symbol), zap.Int("status", resp.StatusCode))
-		return nil, fmerrors.New("binance: unexpected status " + strconv.Itoa(resp.StatusCode))
+		return nil, merrors.Internal("binance: unexpected status " + strconv.Itoa(resp.StatusCode))
 	}
 
 	var payload struct {
@@ -126,7 +126,7 @@ func (c *binanceConnector) FetchTicker(ctx context.Context, symbol string) (*mmo
 
 	if err := json.NewDecoder(resp.Body).Decode(&payload); err != nil {
 		c.logger.Warn("Binance decode failed", zap.String("symbol", symbol), zap.Error(err))
-		return nil, fmerrors.Wrap("binance: decode response", err)
+		return nil, merrors.InternalWrap(err, "binance: decode response")
 	}
 
 	return &mmodel.Ticker{

api/fx/ingestor/internal/market/cbr/connector.go

@@ -0,0 +1,674 @@
+package cbr
+
+import (
+	"context"
+	"encoding/xml"
+	"math/big"
+	"net"
+	"net/http"
+	"net/url"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/fx/ingestor/internal/market/common"
+	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
+	"go.uber.org/zap"
+	"golang.org/x/net/html/charset"
+)
+
+type cbrConnector struct {
+	id            mmodel.Driver
+	provider      string
+	http          *httpClient
+	base          string
+	dailyPath     string
+	directoryPath string
+	dynamicPath   string
+	logger        mlogger.Logger
+
+	byISO map[string]valuteInfo
+	byID  map[string]valuteInfo
+}
+
+const defaultCBRBaseURL = "https://www.cbr.ru"
+const (
+	defaultDirectoryPath = "/scripts/XML_valFull.asp"
+	defaultDailyPath     = "/scripts/XML_daily.asp"
+	defaultDynamicPath   = "/scripts/XML_dynamic.asp"
+)
+
+const (
+	defaultDialTimeoutSeconds           = 5 * time.Second
+	defaultDialKeepAliveSeconds         = 30 * time.Second
+	defaultTLSHandshakeTimeoutSeconds   = 5 * time.Second
+	defaultResponseHeaderTimeoutSeconds = 10 * time.Second
+	defaultRequestTimeoutSeconds        = 10 * time.Second
+)
+
+func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Connector, error) {
+	baseURL := defaultCBRBaseURL
+	provider := strings.ToLower(mmodel.DriverCBR.String())
+	dialTimeout := defaultDialTimeoutSeconds
+	dialKeepAlive := defaultDialKeepAliveSeconds
+	tlsHandshakeTimeout := defaultTLSHandshakeTimeoutSeconds
+	responseHeaderTimeout := defaultResponseHeaderTimeoutSeconds
+	requestTimeout := defaultRequestTimeoutSeconds
+	directoryPath := defaultDirectoryPath
+	dailyPath := defaultDailyPath
+	dynamicPath := defaultDynamicPath
+	userAgent := defaultUserAgent
+	acceptHeader := defaultAccept
+
+	if settings != nil {
+		if value, ok := settings["base_url"].(string); ok && strings.TrimSpace(value) != "" {
+			baseURL = strings.TrimSpace(value)
+		}
+		if value, ok := settings["provider"].(string); ok && strings.TrimSpace(value) != "" {
+			provider = strings.TrimSpace(value)
+		}
+		if value, ok := settings["directory_path"].(string); ok && strings.TrimSpace(value) != "" {
+			directoryPath = strings.TrimSpace(value)
+		}
+		if value, ok := settings["daily_path"].(string); ok && strings.TrimSpace(value) != "" {
+			dailyPath = strings.TrimSpace(value)
+		}
+		if value, ok := settings["dynamic_path"].(string); ok && strings.TrimSpace(value) != "" {
+			dynamicPath = strings.TrimSpace(value)
+		}
+		if value, ok := settings["user_agent"].(string); ok && strings.TrimSpace(value) != "" {
+			userAgent = strings.TrimSpace(value)
+		}
+		if value, ok := settings["accept_header"].(string); ok && strings.TrimSpace(value) != "" {
+			acceptHeader = strings.TrimSpace(value)
+		}
+		dialTimeout = common.DurationSetting(settings, "dial_timeout_seconds", dialTimeout)
+		dialKeepAlive = common.DurationSetting(settings, "dial_keep_alive_seconds", dialKeepAlive)
+		tlsHandshakeTimeout = common.DurationSetting(settings, "tls_handshake_timeout_seconds", tlsHandshakeTimeout)
+		responseHeaderTimeout = common.DurationSetting(settings, "response_header_timeout_seconds", responseHeaderTimeout)
+		requestTimeout = common.DurationSetting(settings, "request_timeout_seconds", requestTimeout)
+	}
+
+	parsed, err := url.Parse(baseURL)
+	if err != nil {
+		return nil, merrors.InvalidArgumentWrap(err, "cbr: invalid base url", "base_url")
+	}
+
+	var transport http.RoundTripper = &http.Transport{
+		DialContext:           (&net.Dialer{Timeout: dialTimeout, KeepAlive: dialKeepAlive}).DialContext,
+		TLSHandshakeTimeout:   tlsHandshakeTimeout,
+		ResponseHeaderTimeout: responseHeaderTimeout,
+	}
+
+	if customTransport, ok := settings["http_round_tripper"].(http.RoundTripper); ok && customTransport != nil {
+		transport = customTransport
+	}
+
+	client := &http.Client{
+		Timeout:   requestTimeout,
+		Transport: transport,
+	}
+	referer := parsed.String()
+
+	connector := &cbrConnector{
+		id:       mmodel.DriverCBR,
+		provider: provider,
+		http: newHTTPClient(
+			logger,
+			client,
+			httpClientOptions{
+				userAgent: userAgent,
+				accept:    acceptHeader,
+				referer:   referer,
+			},
+		),
+		base:          strings.TrimRight(parsed.String(), "/"),
+		dailyPath:     dailyPath,
+		directoryPath: directoryPath,
+		dynamicPath:   dynamicPath,
+		logger:        logger.Named("cbr"),
+	}
+
+	if err := connector.refreshDirectory(); err != nil {
+		return nil, err
+	}
+
+	return connector, nil
+}
+
+func (c *cbrConnector) ID() mmodel.Driver {
+	return c.id
+}
+
+func (c *cbrConnector) FetchTicker(ctx context.Context, symbol string) (*mmodel.Ticker, error) {
+	isoCode, asOfDate, err := parseSymbol(symbol)
+	if err != nil {
+		return nil, err
+	}
+
+	valute, ok := c.byISO[isoCode]
+	if !ok {
+		return nil, merrors.InvalidArgument("cbr: unknown currency "+isoCode, "symbol")
+	}
+
+	var price string
+	if asOfDate != nil {
+		price, err = c.fetchHistoricalRate(ctx, valute, *asOfDate)
+	} else {
+		price, err = c.fetchDailyRate(ctx, valute)
+	}
+	if err != nil {
+		return nil, err
+	}
+
+	now := time.Now().UnixMilli()
+	return &mmodel.Ticker{
+		Symbol:    formatSymbol(isoCode, asOfDate),
+		BidPrice:  price,
+		AskPrice:  price,
+		Provider:  c.provider,
+		Timestamp: now,
+	}, nil
+}
+
+func (c *cbrConnector) refreshDirectory() error {
+	endpoint, err := c.buildURL(c.directoryPath, nil)
+	if err != nil {
+		return err
+	}
+
+	req, err := c.http.NewRequest(context.Background(), http.MethodGet, endpoint)
+	if err != nil {
+		return merrors.InternalWrap(err, "cbr: build directory request")
+	}
+
+	resp, err := c.http.Do(req)
+	if err != nil {
+		c.logger.Warn(
+			"CBR directory request failed",
+			zap.Error(err),
+			zap.String("endpoint", endpoint),
+			zap.String("referer", c.http.headerValue("Referer")),
+			zap.String("user_agent", c.http.headerValue("User-Agent")),
+		)
+		return merrors.InternalWrap(err, "cbr: directory request failed")
+	}
+	defer resp.Body.Close()
+
+	if resp.StatusCode != http.StatusOK {
+		c.logger.Warn(
+			"CBR directory returned non-OK status",
+			zap.Int("status", resp.StatusCode),
+			zap.String("endpoint", endpoint),
+			zap.String("referer", c.http.headerValue("Referer")),
+			zap.String("user_agent", c.http.headerValue("User-Agent")),
+		)
+		return merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
+	}
+
+	decoder := xml.NewDecoder(resp.Body)
+	decoder.CharsetReader = charset.NewReaderLabel
+
+	var directory valuteDirectory
+	if err := decoder.Decode(&directory); err != nil {
+		c.logger.Warn("CBR directory decode failed", zap.Error(err), zap.String("endpoint", endpoint))
+		return merrors.InternalWrap(err, "cbr: decode directory")
+	}
+
+	mapping, err := buildValuteMapping(c.logger.Named("mapper"), directory.Items)
+	if err != nil {
+		c.logger.Warn("Failed to build currencies mapping", zap.Error(err), zap.String("endpoint", endpoint))
+		return err
+	}
+
+	c.byISO = mapping.byISO
+	c.byID = mapping.byID
+	return nil
+}
+
+func (c *cbrConnector) fetchDailyRate(ctx context.Context, valute valuteInfo) (string, error) {
+	endpoint, err := c.buildURL(c.dailyPath, nil)
+	if err != nil {
+		c.logger.Warn("Failed to build daily fetch URL", zap.Error(err), zap.String("path", c.dailyPath))
+		return "", err
+	}
+
+	req, err := c.http.NewRequest(ctx, http.MethodGet, endpoint)
+	if err != nil {
+		c.logger.Warn("Failed to request daily rate", zap.Error(err), zap.String("endpoint", endpoint))
+		return "", merrors.InternalWrap(err, "cbr: build daily request")
+	}
+
+	resp, err := c.http.Do(req)
+	if err != nil {
+		c.logger.Warn("CBR daily request failed",
+			zap.Error(err), zap.String("currency", valute.ISOCharCode),
+			zap.String("endpoint", endpoint), zap.String("referer", c.http.headerValue("Referer")),
+			zap.String("user_agent", c.http.headerValue("User-Agent")),
+		)
+		return "", merrors.InternalWrap(err, "cbr: daily request failed")
+	}
+	defer resp.Body.Close()
+
+	if resp.StatusCode != http.StatusOK {
+		c.logger.Warn(
+			"CBR daily returned non-OK status", zap.Int("status", resp.StatusCode),
+			zap.String("currency", valute.ISOCharCode), zap.String("endpoint", endpoint),
+		)
+		return "", merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
+	}
+
+	decoder := xml.NewDecoder(resp.Body)
+	decoder.CharsetReader = charset.NewReaderLabel
+
+	var payload dailyRates
+	if err := decoder.Decode(&payload); err != nil {
+		c.logger.Warn("CBR daily decode failed", zap.Error(err),
+			zap.String("currency", valute.ISOCharCode), zap.String("endpoint", endpoint),
+		)
+		return "", merrors.InternalWrap(err, "cbr: decode daily response")
+	}
+
+	entry := payload.find(valute.ID)
+	if entry == nil {
+		return "", merrors.NoData("cbr: currency not found in daily rates: " + valute.ISOCharCode)
+	}
+
+	if err := validateDailyEntry(valute, entry); err != nil {
+		return "", err
+	}
+
+	return computePrice(entry.Value, entry.Nominal)
+}
+
+func (c *cbrConnector) fetchHistoricalRate(ctx context.Context, valute valuteInfo, date time.Time) (string, error) {
+	query := map[string]string{
+		"date_req1": date.Format("02/01/2006"),
+		"date_req2": date.Format("02/01/2006"),
+		"VAL_NM_RQ": valute.ID,
+	}
+	dateStr := date.Format("2006-01-02")
+	endpoint, err := c.buildURL(c.dynamicPath, query)
+	if err != nil {
+		return "", err
+	}
+
+	req, err := c.http.NewRequest(ctx, http.MethodGet, endpoint)
+	if err != nil {
+		return "", merrors.InternalWrap(err, "cbr: build historical request")
+	}
+
+	resp, err := c.http.Do(req)
+	if err != nil {
+		c.logger.Warn(
+			"CBR historical request failed",
+			zap.String("currency", valute.ISOCharCode),
+			zap.String("date", dateStr),
+			zap.String("endpoint", endpoint),
+			zap.String("referer", c.http.headerValue("Referer")),
+			zap.String("user_agent", c.http.headerValue("User-Agent")),
+			zap.Error(err),
+		)
+		return "", merrors.InternalWrap(err, "cbr: historical request failed")
+	}
+	defer resp.Body.Close()
+
+	if resp.StatusCode != http.StatusOK {
+		c.logger.Warn(
+			"CBR historical returned non-OK status",
+			zap.Int("status", resp.StatusCode),
+			zap.String("currency", valute.ISOCharCode),
+			zap.String("date", dateStr),
+			zap.String("endpoint", endpoint),
+		)
+		return "", merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
+	}
+
+	decoder := xml.NewDecoder(resp.Body)
+	decoder.CharsetReader = charset.NewReaderLabel
+
+	var payload dynamicRates
+	if err := decoder.Decode(&payload); err != nil {
+		c.logger.Warn(
+			"CBR historical decode failed",
+			zap.String("currency", valute.ISOCharCode),
+			zap.String("date", dateStr),
+			zap.String("endpoint", endpoint),
+			zap.Error(err),
+		)
+		return "", merrors.InternalWrap(err, "cbr: decode historical response")
+	}
+
+	record := payload.find(valute.ID, date)
+	if record == nil {
+		return "", merrors.NoData("cbr: historical rate not found for " + valute.ISOCharCode)
+	}
+
+	if record.Nominal != "" {
+		nominal, err := parseNominal(record.Nominal)
+		if err != nil {
+			return "", merrors.InvalidDataType(err.Error())
+		}
+		if nominal != valute.Nominal {
+			return "", merrors.Internal("cbr: historical nominal mismatch for " + valute.ISOCharCode)
+		}
+	}
+
+	return computePrice(record.Value, strconv.FormatInt(valute.Nominal, 10))
+}
+
+func (c *cbrConnector) buildURL(path string, query map[string]string) (string, error) {
+	base, err := url.Parse(c.base)
+	if err != nil {
+		return "", merrors.InternalWrap(err, "cbr: parse base url")
+	}
+	base.Path = strings.TrimRight(base.Path, "/") + path
+	q := base.Query()
+	for key, value := range query {
+		q.Set(key, value)
+	}
+	base.RawQuery = q.Encode()
+	return base.String(), nil
+}
+
+type valuteDirectory struct {
+	Items []valuteItem `xml:"Item"`
+}
+
+type valuteItem struct {
+	ID         string `xml:"ID,attr"`
+	ISOChar    string `xml:"ISO_Char_Code"`
+	ISONum     string `xml:"ISO_Num_Code"`
+	Name       string `xml:"Name"`
+	EngName    string `xml:"EngName"`
+	NominalStr string `xml:"Nominal"`
+}
+
+type valuteInfo struct {
+	ID          string
+	ISOCharCode string
+	ISONumCode  string
+	Name        string
+	EngName     string
+	Nominal     int64
+}
+
+type valuteMapping struct {
+	byISO map[string]valuteInfo
+	byID  map[string]valuteInfo
+}
+
+func buildValuteMapping(logger *zap.Logger, items []valuteItem) (*valuteMapping, error) {
+	byISO := make(map[string]valuteInfo, len(items))
+	byID := make(map[string]valuteInfo, len(items))
+	byNum := make(map[string]string, len(items))
+
+	for _, item := range items {
+		id := strings.TrimSpace(item.ID)
+		isoChar := strings.ToUpper(strings.TrimSpace(item.ISOChar))
+		isoNum := strings.TrimSpace(item.ISONum)
+		name := strings.TrimSpace(item.Name)
+		engName := strings.TrimSpace(item.EngName)
+
+		nominal, err := parseNominal(item.NominalStr)
+		if err != nil {
+			return nil, merrors.InvalidDataType("cbr: parse directory nominal: " + err.Error())
+		}
+
+		if id == "" || isoChar == "" {
+			logger.Info("Skipping invalid currency entry",
+				zap.String("id", id),
+				zap.String("iso_char", isoChar),
+				zap.String("name", name),
+			)
+			continue
+		}
+
+		info := valuteInfo{
+			ID:          id,
+			ISOCharCode: isoChar,
+			ISONumCode:  isoNum,
+			Name:        name,
+			EngName:     engName,
+			Nominal:     nominal,
+		}
+
+		// Handle duplicate ISO char codes (e.g. DEM with different IDs / nominals).
+		if existing, ok := byISO[isoChar]; ok {
+			// Same ISO + same ID: duplicate entry, just ignore.
+			if existing.ID == id {
+				logger.Debug("Duplicate directory entry for same ISO and ID, ignoring",
+					zap.String("iso_code", isoChar),
+					zap.String("id", id),
+				)
+				continue
+			}
+
+			// Different IDs but same ISO char.
+			// Choose canonical entry:
+			//  1) Prefer nominal == 1
+			//  2) Otherwise prefer smaller nominal
+			keepExisting := true
+
+			if existing.Nominal != 1 && info.Nominal == 1 {
+				keepExisting = false
+			} else if existing.Nominal == 1 && info.Nominal != 1 {
+				keepExisting = true
+			} else if info.Nominal < existing.Nominal {
+				keepExisting = false
+			}
+
+			if keepExisting {
+				logger.Warn("Ignoring duplicate ISO currency entry with less preferred nominal",
+					zap.String("iso_code", isoChar),
+					zap.String("existing_id", existing.ID),
+					zap.Int64("existing_nominal", existing.Nominal),
+					zap.String("new_id", info.ID),
+					zap.Int64("new_nominal", info.Nominal),
+				)
+				// We keep the old one, just skip the new.
+				continue
+			}
+
+			// Replace existing mapping with the new, more canonical one.
+			logger.Warn("Replacing currency mapping due to more canonical nominal",
+				zap.String("iso_code", isoChar),
+				zap.String("old_id", existing.ID),
+				zap.Int64("old_nominal", existing.Nominal),
+				zap.String("new_id", info.ID),
+				zap.Int64("new_nominal", info.Nominal),
+			)
+
+			// Update byID: drop old ID, add new one
+			delete(byID, existing.ID)
+			byID[id] = info
+
+			// Update ISO mapping
+			byISO[isoChar] = info
+
+			// Update numeric-code index if present
+			if isoNum != "" {
+				if existingID, ok := byNum[isoNum]; ok && existingID != id {
+					return nil, merrors.InvalidDataType("cbr: duplicate ISO numeric code " + isoNum)
+				}
+				byNum[isoNum] = id
+			}
+
+			continue
+		}
+
+		// No existing ISO entry, do normal uniqueness checks.
+
+		if existing, ok := byID[id]; ok && existing.ISOCharCode != isoChar {
+			return nil, merrors.InvalidDataType("cbr: duplicate valute id " + id)
+		}
+
+		if isoNum != "" {
+			if existingID, ok := byNum[isoNum]; ok && existingID != id {
+				return nil, merrors.InvalidDataType("cbr: duplicate ISO numeric code " + isoNum)
+			}
+			byNum[isoNum] = id
+		}
+
+		logger.Info("Installing currency code", zap.String("iso_code", isoChar), zap.String("id", id), zap.Int64("nominal", nominal))
+
+		byISO[isoChar] = info
+		byID[id] = info
+	}
+
+	if len(byISO) == 0 {
+		return nil, merrors.InvalidDataType("cbr: empty directory received")
+	}
+
+	return &valuteMapping{
+		byISO: byISO,
+		byID:  byID,
+	}, nil
+}
+
+type dailyRates struct {
+	Valutes []dailyValute `xml:"Valute"`
+}
+
+type dailyValute struct {
+	ID       string `xml:"ID,attr"`
+	NumCode  string `xml:"NumCode"`
+	CharCode string `xml:"CharCode"`
+	Nominal  string `xml:"Nominal"`
+	Name     string `xml:"Name"`
+	Value    string `xml:"Value"`
+}
+
+func (d *dailyRates) find(id string) *dailyValute {
+	if d == nil {
+		return nil
+	}
+	for idx := range d.Valutes {
+		if strings.EqualFold(strings.TrimSpace(d.Valutes[idx].ID), id) {
+			return &d.Valutes[idx]
+		}
+	}
+	return nil
+}
+
+type dynamicRates struct {
+	Records []dynamicRecord `xml:"Record"`
+}
+
+type dynamicRecord struct {
+	ID      string `xml:"Id,attr"`
+	DateRaw string `xml:"Date,attr"`
+	Nominal string `xml:"Nominal"`
+	Value   string `xml:"Value"`
+}
+
+func (d *dynamicRates) find(id string, date time.Time) *dynamicRecord {
+	if d == nil {
+		return nil
+	}
+	target := date.Format("02.01.2006")
+	for idx := range d.Records {
+		rec := &d.Records[idx]
+		if !strings.EqualFold(strings.TrimSpace(rec.ID), id) {
+			continue
+		}
+		if strings.TrimSpace(rec.DateRaw) == target {
+			return rec
+		}
+	}
+	return nil
+}
+
+func validateDailyEntry(expected valuteInfo, entry *dailyValute) error {
+	if entry == nil {
+		return merrors.NoData("cbr: missing daily entry")
+	}
+	if !strings.EqualFold(strings.TrimSpace(entry.CharCode), expected.ISOCharCode) {
+		return merrors.Internal("cbr: char code mismatch for " + expected.ISOCharCode)
+	}
+	if expected.ISONumCode != "" && strings.TrimSpace(entry.NumCode) != expected.ISONumCode {
+		return merrors.Internal("cbr: iso numeric mismatch for " + expected.ISOCharCode)
+	}
+	if expected.Name != "" && strings.TrimSpace(entry.Name) != expected.Name {
+		return merrors.Internal("cbr: currency name mismatch for " + expected.ISOCharCode)
+	}
+
+	nominal, err := parseNominal(entry.Nominal)
+	if err != nil {
+		return merrors.InvalidDataType("cbr: parse daily nominal: " + err.Error())
+	}
+	if nominal != expected.Nominal {
+		return merrors.Internal("cbr: nominal mismatch for " + expected.ISOCharCode)
+	}
+	return nil
+}
+
+func parseSymbol(symbol string) (string, *time.Time, error) {
+	trimmed := strings.TrimSpace(symbol)
+	if trimmed == "" {
+		return "", nil, merrors.InvalidArgument("cbr: symbol is empty", "symbol")
+	}
+
+	parts := strings.Split(trimmed, "@")
+	if len(parts) > 2 {
+		return "", nil, merrors.InvalidArgument("cbr: invalid symbol format", "symbol")
+	}
+
+	iso := strings.ToUpper(strings.TrimSpace(parts[0]))
+	if len(iso) != 3 {
+		return "", nil, merrors.InvalidArgument("cbr: symbol must be ISO currency code", "symbol")
+	}
+
+	if len(parts) == 1 {
+		return iso, nil, nil
+	}
+
+	datePart := strings.TrimSpace(parts[1])
+	if datePart == "" {
+		return "", nil, merrors.InvalidArgument("cbr: date component is empty", "symbol")
+	}
+
+	parsed, err := time.Parse("2006-01-02", datePart)
+	if err != nil {
+		return "", nil, merrors.InvalidArgumentWrap(err, "cbr: invalid date component", "symbol")
+	}
+
+	return iso, &parsed, nil
+}
+
+func parseNominal(value string) (int64, error) {
+	nominal, err := strconv.ParseInt(strings.TrimSpace(value), 10, 64)
+	if err != nil || nominal <= 0 {
+		return 0, merrors.InvalidDataType("cbr: invalid nominal \"" + value + "\"")
+	}
+	return nominal, nil
+}
+
+func computePrice(value string, nominalStr string) (string, error) {
+	raw := strings.ReplaceAll(strings.TrimSpace(value), " ", "")
+	raw = strings.ReplaceAll(raw, ",", ".")
+
+	r := new(big.Rat)
+	if _, ok := r.SetString(raw); !ok {
+		return "", merrors.InvalidDataType("invalid decimal \"" + value + "\"")
+	}
+
+	nominal, err := parseNominal(nominalStr)
+	if err != nil {
+		return "", err
+	}
+
+	den := big.NewRat(nominal, 1)
+	price := new(big.Rat).Quo(r, den)
+	return price.FloatString(8), nil
+}
+
+func formatSymbol(iso string, asOf *time.Time) string {
+	if asOf == nil {
+		return iso
+	}
+	return iso + "@" + asOf.Format("2006-01-02")
+}

api/fx/ingestor/internal/market/cbr/connector_test.go

@@ -0,0 +1,226 @@
+package cbr
+
+import (
+	"context"
+	"errors"
+	"fmt"
+	"io"
+	"net/http"
+	"strings"
+	"testing"
+
+	"github.com/tech/sendico/pkg/merrors"
+	"go.uber.org/zap"
+)
+
+func TestFetchTickerDaily(t *testing.T) {
+	transport := &stubRoundTripper{
+		responses: map[string]stubResponse{
+			"/scripts/XML_valFull.asp": {body: valuteDirectoryXML},
+			"/scripts/XML_daily.asp":   {body: dailyRatesXML},
+		},
+	}
+
+	conn, err := NewConnector(zap.NewNop(), map[string]any{
+		"base_url":                "http://cbr.test",
+		"http_round_tripper":      transport,
+		"request_timeout_seconds": 1,
+	})
+	if err != nil {
+		t.Fatalf("NewConnector returned error: %v", err)
+	}
+
+	ticker, err := conn.FetchTicker(context.Background(), "USD")
+	if err != nil {
+		t.Fatalf("FetchTicker returned error: %v", err)
+	}
+
+	if ticker.Provider != "cbr" {
+		t.Fatalf("unexpected provider: %s", ticker.Provider)
+	}
+	if ticker.BidPrice != "95.12340000" || ticker.AskPrice != "95.12340000" {
+		t.Fatalf("unexpected bid/ask: %s / %s", ticker.BidPrice, ticker.AskPrice)
+	}
+	if ticker.Symbol != "USD" {
+		t.Fatalf("unexpected symbol: %s", ticker.Symbol)
+	}
+}
+
+func TestFetchTickerValidatesDailyEntry(t *testing.T) {
+	transport := &stubRoundTripper{
+		responses: map[string]stubResponse{
+			"/scripts/XML_valFull.asp": {body: valuteDirectoryXML},
+			"/scripts/XML_daily.asp":   {body: strings.ReplaceAll(dailyRatesXML, "<CharCode>USD</CharCode>", "<CharCode>XXX</CharCode>")},
+		},
+	}
+
+	conn, err := NewConnector(zap.NewNop(), map[string]any{
+		"base_url":           "http://cbr.test",
+		"http_round_tripper": transport,
+	})
+	if err != nil {
+		t.Fatalf("NewConnector returned error: %v", err)
+	}
+
+	if _, err := conn.FetchTicker(context.Background(), "USD"); err == nil {
+		t.Fatalf("FetchTicker expected to fail due to mismatch")
+	}
+}
+
+func TestFetchTickerHistorical(t *testing.T) {
+	transport := &stubRoundTripper{
+		responses: map[string]stubResponse{
+			"/scripts/XML_valFull.asp": {body: valuteDirectoryXML},
+			"/scripts/XML_dynamic.asp": {
+				body: dynamicRatesXML,
+				check: func(r *http.Request) error {
+					if got := r.URL.Query().Get("VAL_NM_RQ"); got != "R01235" {
+						return fmt.Errorf("unexpected valute id: %s", got)
+					}
+					if got := r.URL.Query().Get("date_req1"); got != "05/01/2023" {
+						return fmt.Errorf("unexpected date_req1: %s", got)
+					}
+					if got := r.URL.Query().Get("date_req2"); got != "05/01/2023" {
+						return fmt.Errorf("unexpected date_req2: %s", got)
+					}
+					return nil
+				},
+			},
+		},
+	}
+
+	conn, err := NewConnector(zap.NewNop(), map[string]any{
+		"base_url":           "http://cbr.test",
+		"http_round_tripper": transport,
+	})
+	if err != nil {
+		t.Fatalf("NewConnector returned error: %v", err)
+	}
+
+	ticker, err := conn.FetchTicker(context.Background(), "USD@2023-01-05")
+	if err != nil {
+		t.Fatalf("FetchTicker returned error: %v", err)
+	}
+
+	if ticker.BidPrice != "70.10000000" || ticker.AskPrice != "70.10000000" {
+		t.Fatalf("unexpected bid/ask: %s / %s", ticker.BidPrice, ticker.AskPrice)
+	}
+	if ticker.Symbol != "USD@2023-01-05" {
+		t.Fatalf("unexpected symbol: %s", ticker.Symbol)
+	}
+}
+
+func TestFetchTickerUnknownCurrency(t *testing.T) {
+	transport := &stubRoundTripper{
+		responses: map[string]stubResponse{
+			"/scripts/XML_valFull.asp": {body: valuteDirectoryXML},
+			"/scripts/XML_daily.asp":   {body: dailyRatesXML},
+		},
+	}
+
+	conn, err := NewConnector(zap.NewNop(), map[string]any{
+		"base_url":           "http://cbr.test",
+		"http_round_tripper": transport,
+	})
+	if err != nil {
+		t.Fatalf("NewConnector returned error: %v", err)
+	}
+
+	_, err = conn.FetchTicker(context.Background(), "ZZZ")
+	if err == nil {
+		t.Fatalf("FetchTicker expected to fail for unknown currency")
+	}
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument error, got %v", err)
+	}
+}
+
+func TestFetchTickerRespectsCustomPaths(t *testing.T) {
+	transport := &stubRoundTripper{
+		responses: map[string]stubResponse{
+			"/dir.xml":   {body: valuteDirectoryXML},
+			"/rates.xml": {body: dailyRatesXML},
+		},
+	}
+
+	conn, err := NewConnector(zap.NewNop(), map[string]any{
+		"base_url":           "http://cbr.test",
+		"directory_path":     "/dir.xml",
+		"daily_path":         "/rates.xml",
+		"http_round_tripper": transport,
+	})
+	if err != nil {
+		t.Fatalf("NewConnector returned error: %v", err)
+	}
+
+	if _, err := conn.FetchTicker(context.Background(), "USD"); err != nil {
+		t.Fatalf("FetchTicker returned error with custom paths: %v", err)
+	}
+}
+
+const valuteDirectoryXML = `
+<Valuta name="Foreign Currency Market">
+  <Item ID="R01235">
+    <ISO_Num_Code>840</ISO_Num_Code>
+    <ISO_Char_Code>USD</ISO_Char_Code>
+    <Nominal>1</Nominal>
+    <Name>US Dollar</Name>
+    <EngName>US Dollar</EngName>
+  </Item>
+</Valuta>`
+
+const dailyRatesXML = `
+<ValCurs Date="02.09.2024" name="Foreign Currency Market">
+  <Valute ID="R01235">
+    <NumCode>840</NumCode>
+    <CharCode>USD</CharCode>
+    <Nominal>1</Nominal>
+    <Name>US Dollar</Name>
+    <Value>95,1234</Value>
+  </Valute>
+</ValCurs>`
+
+const dynamicRatesXML = `
+<ValCurs ID="R01235" DateRange1="05/01/2023" DateRange2="05/01/2023" name="Foreign Currency Market Dynamic">
+  <Record Date="05.01.2023" Id="R01235">
+    <Nominal>1</Nominal>
+    <Value>70,1</Value>
+  </Record>
+</ValCurs>`
+
+type stubResponse struct {
+	status int
+	body   string
+	check  func(*http.Request) error
+}
+
+type stubRoundTripper struct {
+	responses map[string]stubResponse
+}
+
+func (s *stubRoundTripper) RoundTrip(req *http.Request) (*http.Response, error) {
+	if s.responses == nil {
+		return nil, fmt.Errorf("no responses configured")
+	}
+	res, ok := s.responses[req.URL.Path]
+	if !ok {
+		return nil, fmt.Errorf("unexpected request path: %s", req.URL.Path)
+	}
+	if res.check != nil {
+		if err := res.check(req); err != nil {
+			return nil, err
+		}
+	}
+
+	status := res.status
+	if status == 0 {
+		status = http.StatusOK
+	}
+
+	return &http.Response{
+		StatusCode: status,
+		Body:       io.NopCloser(strings.NewReader(res.body)),
+		Header:     http.Header{"Content-Type": []string{"text/xml"}},
+		Request:    req,
+	}, nil
+}

api/fx/ingestor/internal/market/cbr/http_client.go

@@ -0,0 +1,85 @@
+package cbr
+
+import (
+	"context"
+	"net/http"
+	"strings"
+
+	"go.uber.org/zap"
+)
+
+const (
+	defaultUserAgent = "Mozilla/5.0 (compatible; SendicoFX/1.0; +https://app.sendico.io)"
+	defaultAccept    = "application/xml,text/xml;q=0.9,*/*;q=0.8"
+)
+
+// httpClient wraps http.Client to ensure CBR requests always carry required headers.
+type httpClient struct {
+	client  *http.Client
+	headers http.Header
+	logger  *zap.Logger
+}
+
+type httpClientOptions struct {
+	userAgent string
+	accept    string
+	referer   string
+}
+
+func newHTTPClient(logger *zap.Logger, client *http.Client, opts httpClientOptions) *httpClient {
+	userAgent := opts.userAgent
+	if strings.TrimSpace(userAgent) == "" {
+		userAgent = defaultUserAgent
+	}
+
+	accept := opts.accept
+	if strings.TrimSpace(accept) == "" {
+		accept = defaultAccept
+	}
+
+	referer := opts.referer
+	if strings.TrimSpace(referer) == "" {
+		referer = defaultCBRBaseURL
+	}
+	l := logger.Named("http_client")
+
+	headers := make(http.Header, 3)
+	headers.Set("User-Agent", userAgent)
+	headers.Set("Accept", accept)
+	headers.Set("Referer", referer)
+
+	l.Info("HTTP client initialized", zap.String("user_agent", userAgent),
+		zap.String("accept", accept), zap.String("referrer", referer))
+
+	return &httpClient{
+		client:  client,
+		headers: headers,
+		logger:  l,
+	}
+}
+
+func (h *httpClient) NewRequest(ctx context.Context, method, endpoint string) (*http.Request, error) {
+	return http.NewRequestWithContext(ctx, method, endpoint, nil)
+}
+
+func (h *httpClient) Do(req *http.Request) (*http.Response, error) {
+	enriched := req.Clone(req.Context())
+	for key, values := range h.headers {
+		if enriched.Header.Get(key) != "" {
+			continue
+		}
+		for _, value := range values {
+			enriched.Header.Add(key, value)
+		}
+	}
+	r, err := h.client.Do(enriched)
+	if err != nil {
+		h.logger.Warn("HTTP request failed", zap.Error(err), zap.String("method", req.Method),
+			zap.String("url", req.URL.String()))
+	}
+	return r, err
+}
+
+func (h *httpClient) headerValue(name string) string {
+	return h.headers.Get(name)
+}

api/fx/ingestor/internal/market/coingecko/connector.go

@@ -10,9 +10,9 @@ import (
 	"strings"
 	"time"
 
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	"github.com/tech/sendico/fx/ingestor/internal/market/common"
 	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
+	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/model"
 	"go.uber.org/zap"
@@ -61,7 +61,7 @@ func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Conne
 
 	parsed, err := url.Parse(baseURL)
 	if err != nil {
-		return nil, fmerrors.Wrap("coingecko: invalid base url", err)
+		return nil, merrors.InvalidArgumentWrap(err, "coingecko: invalid base url", "base_url")
 	}
 
 	transport := &http.Transport{
@@ -96,7 +96,7 @@ func (c *coingeckoConnector) FetchTicker(ctx context.Context, symbol string) (*m
 
 	endpoint, err := url.Parse(c.base)
 	if err != nil {
-		return nil, fmerrors.Wrap("coingecko: parse base url", err)
+		return nil, merrors.InternalWrap(err, "coingecko: parse base url")
 	}
 	endpoint.Path = strings.TrimRight(endpoint.Path, "/") + "/simple/price"
 	query := endpoint.Query()
@@ -107,19 +107,19 @@ func (c *coingeckoConnector) FetchTicker(ctx context.Context, symbol string) (*m
 
 	req, err := http.NewRequestWithContext(ctx, http.MethodGet, endpoint.String(), nil)
 	if err != nil {
-		return nil, fmerrors.Wrap("coingecko: build request", err)
+		return nil, merrors.InternalWrap(err, "coingecko: build request")
 	}
 
 	resp, err := c.client.Do(req)
 	if err != nil {
 		c.logger.Warn("CoinGecko request failed", zap.String("symbol", symbol), zap.Error(err))
-		return nil, fmerrors.Wrap("coingecko: request failed", err)
+		return nil, merrors.InternalWrap(err, "coingecko: request failed")
 	}
 	defer resp.Body.Close()
 
 	if resp.StatusCode != http.StatusOK {
 		c.logger.Warn("CoinGecko returned non-OK status", zap.String("symbol", symbol), zap.Int("status", resp.StatusCode))
-		return nil, fmerrors.New("coingecko: unexpected status " + strconv.Itoa(resp.StatusCode))
+		return nil, merrors.Internal("coingecko: unexpected status " + strconv.Itoa(resp.StatusCode))
 	}
 
 	decoder := json.NewDecoder(resp.Body)
@@ -128,21 +128,21 @@ func (c *coingeckoConnector) FetchTicker(ctx context.Context, symbol string) (*m
 	var payload map[string]map[string]interface{}
 	if err := decoder.Decode(&payload); err != nil {
 		c.logger.Warn("CoinGecko decode failed", zap.String("symbol", symbol), zap.Error(err))
-		return nil, fmerrors.Wrap("coingecko: decode response", err)
+		return nil, merrors.InternalWrap(err, "coingecko: decode response")
 	}
 
 	coinData, ok := payload[coinID]
 	if !ok {
-		return nil, fmerrors.New("coingecko: coin id not found in response")
+		return nil, merrors.Internal("coingecko: coin id not found in response")
 	}
 	priceValue, ok := coinData[vsCurrency]
 	if !ok {
-		return nil, fmerrors.New("coingecko: vs currency not found in response")
+		return nil, merrors.Internal("coingecko: vs currency not found in response")
 	}
 
 	price, ok := toFloat(priceValue)
 	if !ok || price <= 0 {
-		return nil, fmerrors.New("coingecko: invalid price value in response")
+		return nil, merrors.Internal("coingecko: invalid price value in response")
 	}
 
 	priceStr := strconv.FormatFloat(price, 'f', -1, 64)
@@ -171,7 +171,7 @@ func (c *coingeckoConnector) FetchTicker(ctx context.Context, symbol string) (*m
 func parseSymbol(symbol string) (string, string, error) {
 	trimmed := strings.TrimSpace(symbol)
 	if trimmed == "" {
-		return "", "", fmerrors.New("coingecko: symbol is empty")
+		return "", "", merrors.InvalidArgument("coingecko: symbol is empty", "symbol")
 	}
 
 	parts := strings.FieldsFunc(strings.ToLower(trimmed), func(r rune) bool {
@@ -183,13 +183,13 @@ func parseSymbol(symbol string) (string, string, error) {
 	})
 
 	if len(parts) != 2 {
-		return "", "", fmerrors.New("coingecko: symbol must be <coin_id>/<vs_currency>")
+		return "", "", merrors.InvalidArgument("coingecko: symbol must be <coin_id>/<vs_currency>", "symbol")
 	}
 
 	coinID := strings.TrimSpace(parts[0])
 	vsCurrency := strings.TrimSpace(parts[1])
 	if coinID == "" || vsCurrency == "" {
-		return "", "", fmerrors.New("coingecko: symbol contains empty segments")
+		return "", "", merrors.InvalidArgument("coingecko: symbol contains empty segments", "symbol")
 	}
 
 	return coinID, vsCurrency, nil

api/fx/ingestor/internal/market/factory.go

@@ -5,10 +5,11 @@ import (
 	"strings"
 	"time"
 
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	"github.com/tech/sendico/fx/ingestor/internal/market/binance"
+	"github.com/tech/sendico/fx/ingestor/internal/market/cbr"
 	"github.com/tech/sendico/fx/ingestor/internal/market/coingecko"
 	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
+	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/model"
 )
@@ -21,7 +22,7 @@ func BuildConnectors(logger mlogger.Logger, configs []model.DriverConfig[mmodel.
 	for _, cfg := range configs {
 		driver := mmodel.NormalizeDriver(cfg.Driver)
 		if driver.IsEmpty() {
-			return nil, fmerrors.New("market: connector driver is empty")
+			return nil, merrors.InvalidArgument("market: connector driver is empty", "driver")
 		}
 
 		var (
@@ -34,12 +35,14 @@ func BuildConnectors(logger mlogger.Logger, configs []model.DriverConfig[mmodel.
 			conn, err = binance.NewConnector(logger, cfg.Settings)
 		case mmodel.DriverCoinGecko:
 			conn, err = coingecko.NewConnector(logger, cfg.Settings)
+		case mmodel.DriverCBR:
+			conn, err = cbr.NewConnector(logger, cfg.Settings)
 		default:
-			err = fmerrors.New("market: unsupported driver " + driver.String())
+			err = merrors.InvalidArgument("market: unsupported driver "+driver.String(), "driver")
 		}
 
 		if err != nil {
-			return nil, fmerrors.Wrap("market: build connector "+driver.String(), err)
+			return nil, merrors.InternalWrap(err, "market: build connector "+driver.String())
 		}
 		connectors[driver] = conn
 	}

api/fx/ingestor/internal/metrics/server.go

@@ -8,12 +8,12 @@ import (
 	"time"
 
 	"github.com/go-chi/chi/v5"
+	"github.com/prometheus/client_golang/prometheus/promhttp"
 	"github.com/tech/sendico/fx/ingestor/internal/config"
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	"github.com/tech/sendico/pkg/api/routers"
 	"github.com/tech/sendico/pkg/api/routers/health"
+	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
-	"github.com/prometheus/client_golang/prometheus/promhttp"
 	"go.uber.org/zap"
 )
 
@@ -30,7 +30,7 @@ type Server interface {
 
 func NewServer(logger mlogger.Logger, cfg *config.MetricsConfig) (Server, error) {
 	if logger == nil {
-		return nil, fmerrors.New("metrics: logger is nil")
+		return nil, merrors.InvalidArgument("metrics: logger is nil")
 	}
 	if cfg == nil || !cfg.Enabled {
 		logger.Debug("Metrics disabled; using noop server")

api/fx/ingestor/internal/model/connector.go

@@ -10,6 +10,7 @@ type Driver string
 const (
 	DriverBinance   Driver = "BINANCE"
 	DriverCoinGecko Driver = "COINGECKO"
+	DriverCBR       Driver = "CBR"
 )
 
 func (d Driver) String() string {

api/fx/ingestor/main.go

@@ -40,15 +40,15 @@ func main() {
 
 	application, err := app.New(logger, *configFile)
 	if err != nil {
-		logger.Fatal("Failed to initialise application", zap.Error(err))
+		logger.Error("Failed to initialise application", zap.Error(err))
-	}
+	} else {
-
+		if err := application.Run(ctx); err != nil {
-	if err := application.Run(ctx); err != nil {
+			if errors.Is(err, context.Canceled) {
-		if errors.Is(err, context.Canceled) {
+				logger.Info("FX ingestor stopped")
-			logger.Info("FX ingestor stopped")
+				return
-			return
+			}
+			logger.Error("Ingestor terminated with error", zap.Error(err))
 		}
-		logger.Fatal("Ingestor terminated with error", zap.Error(err))
 	}
 
 	logger.Info("FX ingestor stopped")

api/fx/oracle/go.mod

@@ -14,14 +14,14 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -33,7 +33,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
@@ -45,10 +45,10 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/fx/oracle/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -176,35 +176,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -212,12 +212,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

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

@@ -8,9 +8,9 @@ import (
 	"github.com/google/uuid"
 	"github.com/tech/sendico/fx/storage/model"
 	"github.com/tech/sendico/pkg/merrors"
+	smodel "github.com/tech/sendico/pkg/model"
 	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
-	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 )
@@ -138,11 +138,11 @@ func (qc *quoteComputation) buildModelQuote(firm bool, expiryMillis int64, req *
 		Pair:     qc.pair.Pair,
 		Side:     qc.sideModel,
 		Price:    formatRat(qc.priceRounded, qc.priceScale),
-		BaseAmount: model.Money{
+		BaseAmount: smodel.Money{
 			Currency: qc.pair.Pair.Base,
 			Amount:   formatRat(qc.baseRounded, qc.baseScale),
 		},
-		QuoteAmount: model.Money{
+		QuoteAmount: smodel.Money{
 			Currency: qc.pair.Pair.Quote,
 			Amount:   formatRat(qc.quoteRounded, qc.quoteScale),
 		},
@@ -170,10 +170,13 @@ func buildQuoteMeta(meta *oraclev1.RequestMeta) *model.QuoteMeta {
 	}
 	trace := meta.GetTrace()
 	qm := &model.QuoteMeta{
-		RequestRef:     deriveRequestRef(meta, trace),
+		TenantRef: meta.GetTenantRef(),
-		TenantRef:      meta.GetTenantRef(),
+	}
-		TraceRef:       deriveTraceRef(meta, trace),
+
-		IdempotencyKey: deriveIdempotencyKey(meta, trace),
+	if trace != nil {
+		qm.RequestRef = trace.GetRequestRef()
+		qm.TraceRef = trace.GetTraceRef()
+		qm.IdempotencyKey = trace.GetIdempotencyKey()
 	}
 	if org := strings.TrimSpace(meta.GetOrganizationRef()); org != "" {
 		if objID, err := primitive.ObjectIDFromHex(org); err == nil {
@@ -200,24 +203,3 @@ func computeExpiry(now time.Time, ttlMs int64) (int64, error) {
 	}
 	return now.Add(time.Duration(ttlMs) * time.Millisecond).UnixMilli(), nil
 }
-
-func deriveRequestRef(meta *oraclev1.RequestMeta, trace *tracev1.TraceContext) string {
-	if trace != nil && trace.GetRequestRef() != "" {
-		return trace.GetRequestRef()
-	}
-	return meta.GetRequestRef()
-}
-
-func deriveTraceRef(meta *oraclev1.RequestMeta, trace *tracev1.TraceContext) string {
-	if trace != nil && trace.GetTraceRef() != "" {
-		return trace.GetTraceRef()
-	}
-	return meta.GetTraceRef()
-}
-
-func deriveIdempotencyKey(meta *oraclev1.RequestMeta, trace *tracev1.TraceContext) string {
-	if trace != nil && trace.GetIdempotencyKey() != "" {
-		return trace.GetIdempotencyKey()
-	}
-	return meta.GetIdempotencyKey()
-}

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

@@ -0,0 +1,90 @@
+package oracle
+
+import (
+	"strings"
+
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	"go.uber.org/zap"
+)
+
+func quoteRequestFields(req *oraclev1.GetQuoteRequest) []zap.Field {
+	if req == nil {
+		return nil
+	}
+	fields := requestMetaFields(req.GetMeta())
+	if pair := req.GetPair(); pair != nil {
+		if base := strings.TrimSpace(pair.GetBase()); base != "" {
+			fields = append(fields, zap.String("pair_base", base))
+		}
+		if quote := strings.TrimSpace(pair.GetQuote()); quote != "" {
+			fields = append(fields, zap.String("pair_quote", quote))
+		}
+	}
+	if side := req.GetSide(); side != fxv1.Side_SIDE_UNSPECIFIED {
+		fields = append(fields, zap.String("side", side.String()))
+	}
+	if req.GetFirm() {
+		fields = append(fields, zap.Bool("firm", req.GetFirm()))
+	}
+	if ttl := req.GetTtlMs(); ttl > 0 {
+		fields = append(fields, zap.Int64("ttl_ms", ttl))
+	}
+	if maxAge := req.GetMaxAgeMs(); maxAge > 0 {
+		fields = append(fields, zap.Int32("max_age_ms", maxAge))
+	}
+	if provider := strings.TrimSpace(req.GetPreferredProvider()); provider != "" {
+		fields = append(fields, zap.String("preferred_provider", provider))
+	}
+	fields = append(fields, moneyFields("base_amount", req.GetBaseAmount())...)
+	fields = append(fields, moneyFields("quote_amount", req.GetQuoteAmount())...)
+	return fields
+}
+
+func requestMetaFields(meta *oraclev1.RequestMeta) []zap.Field {
+	if meta == nil {
+		return nil
+	}
+	fields := make([]zap.Field, 0, 4)
+	if org := strings.TrimSpace(meta.GetOrganizationRef()); org != "" {
+		fields = append(fields, zap.String("organization_ref", org))
+	}
+	if tenant := strings.TrimSpace(meta.GetTenantRef()); tenant != "" {
+		fields = append(fields, zap.String("tenant_ref", tenant))
+	}
+	fields = append(fields, traceFields(meta.GetTrace())...)
+	return fields
+}
+
+func moneyFields(prefix string, money *moneyv1.Money) []zap.Field {
+	if money == nil {
+		return nil
+	}
+	fields := make([]zap.Field, 0, 2)
+	if amt := strings.TrimSpace(money.GetAmount()); amt != "" {
+		fields = append(fields, zap.String(prefix, amt))
+	}
+	if ccy := strings.TrimSpace(money.GetCurrency()); ccy != "" {
+		fields = append(fields, zap.String(prefix+"_currency", ccy))
+	}
+	return fields
+}
+
+func traceFields(trace *tracev1.TraceContext) []zap.Field {
+	if trace == nil {
+		return nil
+	}
+	fields := make([]zap.Field, 0, 3)
+	if ref := strings.TrimSpace(trace.GetTraceRef()); ref != "" {
+		fields = append(fields, zap.String("trace_ref", ref))
+	}
+	if idem := strings.TrimSpace(trace.GetIdempotencyKey()); idem != "" {
+		fields = append(fields, zap.String("idempotency_key", idem))
+	}
+	if req := strings.TrimSpace(trace.GetRequestRef()); req != "" {
+		fields = append(fields, zap.String("request_ref", req))
+	}
+	return fields
+}

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

@@ -3,7 +3,6 @@ package oracle
 import (
 	"math/big"
 	"strings"
-	"time"
 
 	"github.com/tech/sendico/fx/storage/model"
 	"github.com/tech/sendico/pkg/decimal"
@@ -61,7 +60,3 @@ func priceFromRate(rate *model.RateSnapshot, side fxv1.Side) (*big.Rat, error) {
 
 	return ratFromString(priceStr)
 }
-
-func timeFromUnixMilli(ms int64) time.Time {
-	return time.Unix(0, ms*int64(time.Millisecond))
-}

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

@@ -101,22 +101,27 @@ func (s *Service) getQuoteResponder(ctx context.Context, req *oraclev1.GetQuoteR
 	if req == nil {
 		req = &oraclev1.GetQuoteRequest{}
 	}
-	s.logger.Debug("Handling GetQuote", zap.String("pair", req.GetPair().GetBase()+"/"+req.GetPair().GetQuote()), zap.Bool("firm", req.GetFirm()))
+	logger := s.logger.With(quoteRequestFields(req)...)
+	logger.Debug("Handling GetQuote")
 	if req.GetSide() == fxv1.Side_SIDE_UNSPECIFIED {
+		logger.Warn("GetQuote invalid: side missing")
 		return gsresponse.InvalidArgument[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, errSideRequired)
 	}
 	if req.GetBaseAmount() != nil && req.GetQuoteAmount() != nil {
+		logger.Warn("GetQuote invalid: both base_amount and quote_amount provided")
 		return gsresponse.InvalidArgument[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, errAmountsMutuallyExclusive)
 	}
 	if req.GetBaseAmount() == nil && req.GetQuoteAmount() == nil {
+		logger.Warn("GetQuote invalid: amount missing")
 		return gsresponse.InvalidArgument[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, errAmountRequired)
 	}
 	if err := s.pingStorage(ctx); err != nil {
-		s.logger.Warn("Storage unavailable during GetQuote", zap.Error(err))
+		logger.Warn("Storage unavailable during GetQuote", zap.Error(err))
 		return gsresponse.Unavailable[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 	}
 	pairMsg := req.GetPair()
 	if pairMsg == nil || strings.TrimSpace(pairMsg.GetBase()) == "" || strings.TrimSpace(pairMsg.GetQuote()) == "" {
+		logger.Warn("GetQuote invalid: pair missing")
 		return gsresponse.InvalidArgument[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, errEmptyRequest)
 	}
 	pairKey := model.CurrencyPair{Base: strings.ToUpper(pairMsg.GetBase()), Quote: strings.ToUpper(pairMsg.GetQuote())}
@@ -125,8 +130,10 @@ 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))
 			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))
 			return gsresponse.Internal[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 		}
 	}
@@ -143,8 +150,10 @@ 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))
 			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))
 			return gsresponse.Internal[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 		}
 	}
@@ -153,27 +162,31 @@ func (s *Service) getQuoteResponder(ctx context.Context, req *oraclev1.GetQuoteR
 	if maxAge := req.GetMaxAgeMs(); maxAge > 0 {
 		age := now.UnixMilli() - rate.AsOfUnixMs
 		if age > int64(maxAge) {
-			s.logger.Warn("Rate snapshot stale", zap.Int64("age_ms", age), zap.Int32("max_age_ms", req.GetMaxAgeMs()), zap.String("pair", pairKey.Base+"/"+pairKey.Quote), zap.String("provider", provider))
+			logger.Warn("Rate snapshot stale", zap.Int64("age_ms", age), zap.Int32("max_age_ms", req.GetMaxAgeMs()), zap.String("pair", pairKey.Base+"/"+pairKey.Quote), zap.String("provider", provider))
 			return gsresponse.FailedPrecondition[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, "stale_rate", merrors.InvalidArgument("rate older than allowed window"))
 		}
 	}
 
 	comp, err := newQuoteComputation(pair, rate, req.GetSide(), provider)
 	if err != nil {
+		logger.Warn("GetQuote invalid input", zap.Error(err))
 		return gsresponse.InvalidArgument[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 	}
 
 	if req.GetBaseAmount() != nil {
 		if err := comp.withBaseInput(req.GetBaseAmount()); err != nil {
+			logger.Warn("GetQuote invalid base input", zap.Error(err))
 			return gsresponse.InvalidArgument[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 		}
 	} else if req.GetQuoteAmount() != nil {
 		if err := comp.withQuoteInput(req.GetQuoteAmount()); err != nil {
+			logger.Warn("GetQuote invalid quote input", zap.Error(err))
 			return gsresponse.InvalidArgument[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 		}
 	}
 
 	if err := comp.compute(); err != nil {
+		logger.Warn("GetQuote computation failed", zap.Error(err))
 		return gsresponse.Internal[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 	}
 
@@ -195,12 +208,14 @@ func (s *Service) getQuoteResponder(ctx context.Context, req *oraclev1.GetQuoteR
 		if err := s.storage.Quotes().Issue(ctx, quoteModel); err != nil {
 			switch {
 			case errors.Is(err, merrors.ErrDataConflict):
+				logger.Warn("GetQuote conflict issuing firm quote", zap.Error(err), zap.String("quote_ref", quoteModel.QuoteRef))
 				return gsresponse.Conflict[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 			default:
+				logger.Warn("GetQuote failed to issue firm quote", zap.Error(err), zap.String("quote_ref", quoteModel.QuoteRef))
 				return gsresponse.Internal[oraclev1.GetQuoteResponse](s.logger, mservice.FXOracle, err)
 			}
 		}
-		s.logger.Info("Firm quote stored", zap.String("quote_ref", quoteModel.QuoteRef), zap.String("pair", pairKey.Base+"/"+pairKey.Quote), zap.String("provider", quoteModel.Provider), zap.Int64("expires_at_ms", quoteModel.ExpiresAtUnixMs))
+		logger.Info("Firm quote stored", zap.String("quote_ref", quoteModel.QuoteRef), zap.String("pair", pairKey.Base+"/"+pairKey.Quote), zap.String("provider", quoteModel.Provider), zap.Int64("expires_at_ms", quoteModel.ExpiresAtUnixMs))
 	}
 
 	resp := &oraclev1.GetQuoteResponse{
@@ -214,18 +229,24 @@ func (s *Service) validateQuoteResponder(ctx context.Context, req *oraclev1.Vali
 	if req == nil {
 		req = &oraclev1.ValidateQuoteRequest{}
 	}
-	s.logger.Debug("Handling ValidateQuote", zap.String("quote_ref", req.GetQuoteRef()))
+	logger := s.logger.With(requestMetaFields(req.GetMeta())...)
+	if ref := strings.TrimSpace(req.GetQuoteRef()); ref != "" {
+		logger = logger.With(zap.String("quote_ref", ref))
+	}
+	logger.Debug("Handling ValidateQuote")
 	if req.GetQuoteRef() == "" {
+		logger.Warn("ValidateQuote invalid: quote_ref missing")
 		return gsresponse.InvalidArgument[oraclev1.ValidateQuoteResponse](s.logger, mservice.FXOracle, errQuoteRefRequired)
 	}
 	if err := s.pingStorage(ctx); err != nil {
-		s.logger.Warn("Storage unavailable during ValidateQuote", zap.Error(err))
+		logger.Warn("Storage unavailable during ValidateQuote", zap.Error(err))
 		return gsresponse.Unavailable[oraclev1.ValidateQuoteResponse](s.logger, mservice.FXOracle, err)
 	}
 	quote, err := s.storage.Quotes().GetByRef(ctx, req.GetQuoteRef())
 	if err != nil {
 		switch {
 		case errors.Is(err, merrors.ErrNoData):
+			logger.Warn("ValidateQuote: quote not found", zap.String("quote_ref", req.GetQuoteRef()))
 			resp := &oraclev1.ValidateQuoteResponse{
 				Meta:   buildResponseMeta(req.GetMeta()),
 				Quote:  nil,
@@ -234,6 +255,7 @@ func (s *Service) validateQuoteResponder(ctx context.Context, req *oraclev1.Vali
 			}
 			return gsresponse.Success(resp)
 		default:
+			logger.Warn("ValidateQuote failed", zap.Error(err))
 			return gsresponse.Internal[oraclev1.ValidateQuoteResponse](s.logger, mservice.FXOracle, err)
 		}
 	}
@@ -255,6 +277,11 @@ func (s *Service) validateQuoteResponder(ctx context.Context, req *oraclev1.Vali
 		Valid:  valid,
 		Reason: reason,
 	}
+	if !valid {
+		logger.Info("ValidateQuote invalid", zap.String("reason", reason), zap.Bool("firm", quote.Firm))
+	} else {
+		logger.Debug("ValidateQuote valid", zap.Bool("firm", quote.Firm))
+	}
 	return gsresponse.Success(resp)
 }
 
@@ -262,29 +289,43 @@ func (s *Service) consumeQuoteResponder(ctx context.Context, req *oraclev1.Consu
 	if req == nil {
 		req = &oraclev1.ConsumeQuoteRequest{}
 	}
-	s.logger.Debug("Handling ConsumeQuote", zap.String("quote_ref", req.GetQuoteRef()), zap.String("ledger_txn_ref", req.GetLedgerTxnRef()))
+	logger := s.logger.With(requestMetaFields(req.GetMeta())...)
+	if ref := strings.TrimSpace(req.GetQuoteRef()); ref != "" {
+		logger = logger.With(zap.String("quote_ref", ref))
+	}
+	if ledger := strings.TrimSpace(req.GetLedgerTxnRef()); ledger != "" {
+		logger = logger.With(zap.String("ledger_txn_ref", ledger))
+	}
+	logger.Debug("Handling ConsumeQuote")
 	if req.GetQuoteRef() == "" {
+		logger.Warn("ConsumeQuote invalid: quote_ref missing")
 		return gsresponse.InvalidArgument[oraclev1.ConsumeQuoteResponse](s.logger, mservice.FXOracle, errQuoteRefRequired)
 	}
 	if req.GetLedgerTxnRef() == "" {
+		logger.Warn("ConsumeQuote invalid: ledger_txn_ref missing")
 		return gsresponse.InvalidArgument[oraclev1.ConsumeQuoteResponse](s.logger, mservice.FXOracle, errLedgerTxnRefRequired)
 	}
 	if err := s.pingStorage(ctx); err != nil {
-		s.logger.Warn("Storage unavailable during ConsumeQuote", zap.Error(err))
+		logger.Warn("Storage unavailable during ConsumeQuote", zap.Error(err))
 		return gsresponse.Unavailable[oraclev1.ConsumeQuoteResponse](s.logger, mservice.FXOracle, err)
 	}
 	_, err := s.storage.Quotes().Consume(ctx, req.GetQuoteRef(), req.GetLedgerTxnRef(), time.Now())
 	if err != nil {
 		switch {
 		case errors.Is(err, storage.ErrQuoteExpired):
+			logger.Warn("ConsumeQuote failed: expired")
 			return gsresponse.FailedPrecondition[oraclev1.ConsumeQuoteResponse](s.logger, mservice.FXOracle, "expired", err)
 		case errors.Is(err, storage.ErrQuoteConsumed):
+			logger.Warn("ConsumeQuote failed: already consumed")
 			return gsresponse.FailedPrecondition[oraclev1.ConsumeQuoteResponse](s.logger, mservice.FXOracle, "consumed", err)
 		case errors.Is(err, storage.ErrQuoteNotFirm):
+			logger.Warn("ConsumeQuote failed: quote not firm")
 			return gsresponse.FailedPrecondition[oraclev1.ConsumeQuoteResponse](s.logger, mservice.FXOracle, "not_firm", err)
 		case errors.Is(err, merrors.ErrNoData):
+			logger.Warn("ConsumeQuote failed: quote not found")
 			return gsresponse.NotFound[oraclev1.ConsumeQuoteResponse](s.logger, mservice.FXOracle, err)
 		default:
+			logger.Warn("ConsumeQuote failed", zap.Error(err))
 			return gsresponse.Internal[oraclev1.ConsumeQuoteResponse](s.logger, mservice.FXOracle, err)
 		}
 	}
@@ -294,7 +335,7 @@ func (s *Service) consumeQuoteResponder(ctx context.Context, req *oraclev1.Consu
 		Consumed: true,
 		Reason:   "consumed",
 	}
-	s.logger.Debug("Quote consumed", zap.String("quote_ref", req.GetQuoteRef()), zap.String("ledger_txn_ref", req.GetLedgerTxnRef()))
+	logger.Info("Quote consumed")
 	return gsresponse.Success(resp)
 }
 
@@ -302,13 +343,21 @@ func (s *Service) latestRateResponder(ctx context.Context, req *oraclev1.LatestR
 	if req == nil {
 		req = &oraclev1.LatestRateRequest{}
 	}
-	s.logger.Debug("Handling LatestRate", zap.String("pair", req.GetPair().GetBase()+"/"+req.GetPair().GetQuote()))
+	logger := s.logger.With(requestMetaFields(req.GetMeta())...)
+	if pair := req.GetPair(); pair != nil {
+		logger = logger.With(zap.String("pair_base", strings.TrimSpace(pair.GetBase())), zap.String("pair_quote", strings.TrimSpace(pair.GetQuote())))
+	}
+	if provider := strings.TrimSpace(req.GetProvider()); provider != "" {
+		logger = logger.With(zap.String("provider", provider))
+	}
+	logger.Debug("Handling LatestRate")
 	if err := s.pingStorage(ctx); err != nil {
-		s.logger.Warn("Storage unavailable during LatestRate", zap.Error(err))
+		logger.Warn("Storage unavailable during LatestRate", zap.Error(err))
 		return gsresponse.Unavailable[oraclev1.LatestRateResponse](s.logger, mservice.FXOracle, err)
 	}
 	pairMsg := req.GetPair()
 	if pairMsg == nil || strings.TrimSpace(pairMsg.GetBase()) == "" || strings.TrimSpace(pairMsg.GetQuote()) == "" {
+		logger.Warn("LatestRate invalid: pair missing")
 		return gsresponse.InvalidArgument[oraclev1.LatestRateResponse](s.logger, mservice.FXOracle, errEmptyRequest)
 	}
 	pair := model.CurrencyPair{Base: strings.ToUpper(pairMsg.GetBase()), Quote: strings.ToUpper(pairMsg.GetQuote())}
@@ -317,8 +366,10 @@ func (s *Service) latestRateResponder(ctx context.Context, req *oraclev1.LatestR
 	if err != nil {
 		switch {
 		case errors.Is(err, merrors.ErrNoData):
+			logger.Warn("LatestRate pair not found")
 			return gsresponse.NotFound[oraclev1.LatestRateResponse](s.logger, mservice.FXOracle, err)
 		default:
+			logger.Warn("LatestRate failed to load pair", zap.Error(err))
 			return gsresponse.Internal[oraclev1.LatestRateResponse](s.logger, mservice.FXOracle, err)
 		}
 	}
@@ -335,8 +386,10 @@ func (s *Service) latestRateResponder(ctx context.Context, req *oraclev1.LatestR
 	if err != nil {
 		switch {
 		case errors.Is(err, merrors.ErrNoData):
+			logger.Warn("LatestRate not found", zap.String("provider", provider))
 			return gsresponse.NotFound[oraclev1.LatestRateResponse](s.logger, mservice.FXOracle, err)
 		default:
+			logger.Warn("LatestRate failed", zap.Error(err))
 			return gsresponse.Internal[oraclev1.LatestRateResponse](s.logger, mservice.FXOracle, err)
 		}
 	}
@@ -345,6 +398,7 @@ func (s *Service) latestRateResponder(ctx context.Context, req *oraclev1.LatestR
 		Meta: buildResponseMeta(req.GetMeta()),
 		Rate: rateModelToProto(rate),
 	}
+	logger.Debug("LatestRate succeeded", zap.String("provider", provider), zap.Int64("asof_unix_ms", rate.AsOfUnixMs))
 	return gsresponse.Success(resp)
 }
 
@@ -352,13 +406,15 @@ func (s *Service) listPairsResponder(ctx context.Context, req *oraclev1.ListPair
 	if req == nil {
 		req = &oraclev1.ListPairsRequest{}
 	}
-	s.logger.Debug("Handling ListPairs")
+	logger := s.logger.With(requestMetaFields(req.GetMeta())...)
+	logger.Debug("Handling ListPairs")
 	if err := s.pingStorage(ctx); err != nil {
-		s.logger.Warn("Storage unavailable during ListPairs", zap.Error(err))
+		logger.Warn("Storage unavailable during ListPairs", zap.Error(err))
 		return gsresponse.Unavailable[oraclev1.ListPairsResponse](s.logger, mservice.FXOracle, err)
 	}
 	pairs, err := s.storage.Pairs().ListEnabled(ctx)
 	if err != nil {
+		logger.Warn("ListPairs failed", zap.Error(err))
 		return gsresponse.Internal[oraclev1.ListPairsResponse](s.logger, mservice.FXOracle, err)
 	}
 	result := make([]*oraclev1.PairMeta, 0, len(pairs))
@@ -369,7 +425,7 @@ func (s *Service) listPairsResponder(ctx context.Context, req *oraclev1.ListPair
 		Meta:  buildResponseMeta(req.GetMeta()),
 		Pairs: result,
 	}
-	s.logger.Debug("ListPairs returning metadata", zap.Int("pairs", len(resp.GetPairs())))
+	logger.Debug("ListPairs returning metadata", zap.Int("pairs", len(resp.GetPairs())))
 	return gsresponse.Success(resp)
 }
 

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

@@ -9,6 +9,7 @@ import (
 	"github.com/tech/sendico/fx/storage"
 	"github.com/tech/sendico/fx/storage/model"
 	"github.com/tech/sendico/pkg/merrors"
+	smodel "github.com/tech/sendico/pkg/model"
 	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
@@ -381,8 +382,8 @@ func TestServiceValidateQuote(t *testing.T) {
 					Pair:            model.CurrencyPair{Base: "USD", Quote: "EUR"},
 					Side:            model.QuoteSideBuyBaseSellQuote,
 					Price:           "1.10",
-					BaseAmount:      model.Money{Currency: "USD", Amount: "100"},
+					BaseAmount:      smodel.Money{Currency: "USD", Amount: "100"},
-					QuoteAmount:     model.Money{Currency: "EUR", Amount: "110"},
+					QuoteAmount:     smodel.Money{Currency: "EUR", Amount: "110"},
 					ExpiresAtUnixMs: now.UnixMilli(),
 					Status:          model.QuoteStatusIssued,
 				}, nil

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

@@ -4,9 +4,9 @@ import (
 	"strings"
 
 	"github.com/tech/sendico/fx/storage/model"
+	smodel "github.com/tech/sendico/pkg/model"
 	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
-	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 )
 
@@ -15,18 +15,11 @@ func buildResponseMeta(meta *oraclev1.RequestMeta) *oraclev1.ResponseMeta {
 	if meta == nil {
 		return resp
 	}
-	resp.RequestRef = meta.GetRequestRef()
-	resp.TraceRef = meta.GetTraceRef()
 
 	trace := meta.GetTrace()
-	if trace == nil {
+	if trace != nil {
-		trace = &tracev1.TraceContext{
+		resp.Trace = trace
-			RequestRef:     meta.GetRequestRef(),
-			IdempotencyKey: meta.GetIdempotencyKey(),
-			TraceRef:       meta.GetTraceRef(),
-		}
 	}
-	resp.Trace = trace
 	return resp
 }
 
@@ -49,7 +42,7 @@ func quoteModelToProto(q *model.Quote) *oraclev1.Quote {
 	}
 }
 
-func moneyModelToProto(m *model.Money) *moneyv1.Money {
+func moneyModelToProto(m *smodel.Money) *moneyv1.Money {
 	if m == nil {
 		return nil
 	}

api/fx/storage/go.mod

@@ -12,7 +12,7 @@ require (
 
 require (
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/golang/snappy v1.0.0 // indirect
@@ -25,8 +25,8 @@ require (
 	github.com/xdg-go/stringprep v1.0.4 // indirect
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	google.golang.org/protobuf v1.36.10 // indirect
+	google.golang.org/protobuf v1.36.11 // indirect
 )

api/fx/storage/go.sum

@@ -7,8 +7,8 @@ github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -138,8 +138,8 @@ go.uber.org/zap v1.27.1 h1:08RqriUEv8+ArZRYSTXy1LeBScaMpVSTBhCeaZYfMYc=
 go.uber.org/zap v1.27.1/go.mod h1:GB2qFLM7cTU87MWRP2mPIjqfIDnGu+VIO4V/SdhGo2E=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
@@ -147,29 +147,29 @@ golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
 golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc=
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/yaml.v3 v3.0.1 h1:fxVm/GzAzEWqLHuvctI91KS9hhNmmWOoWu0XTYJS7CA=
 gopkg.in/yaml.v3 v3.0.1/go.mod h1:K4uyk7z7BCEPqu6E+C64Yfv1cQ7kz7rIZviUmN+EgEM=

api/fx/storage/model/quote.go

@@ -4,6 +4,7 @@ import (
 	"time"
 
 	"github.com/tech/sendico/pkg/db/storable"
+	"github.com/tech/sendico/pkg/model"
 )
 
 // Quote represents a firm or indicative quote persisted by the oracle.
@@ -16,8 +17,8 @@ type Quote struct {
 	Pair                   CurrencyPair    `bson:"pair" json:"pair"`
 	Side                   QuoteSide       `bson:"side" json:"side"`
 	Price                  string          `bson:"price" json:"price"`
-	BaseAmount             Money           `bson:"baseAmount" json:"baseAmount"`
+	BaseAmount             model.Money     `bson:"baseAmount" json:"baseAmount"`
-	QuoteAmount            Money           `bson:"quoteAmount" json:"quoteAmount"`
+	QuoteAmount            model.Money     `bson:"quoteAmount" json:"quoteAmount"`
 	AmountType             QuoteAmountType `bson:"amountType" json:"amountType"`
 	ExpiresAtUnixMs        int64           `bson:"expiresAtUnixMs" json:"expiresAtUnixMs"`
 	ExpiresAt              *time.Time      `bson:"expiresAt,omitempty" json:"expiresAt,omitempty"`

api/fx/storage/model/types.go

@@ -51,12 +51,6 @@ type CurrencyPair struct {
 	Quote string `bson:"quote" json:"quote"`
 }
 
-// Money represents an exact decimal amount with its currency.
-type Money struct {
-	Currency string `bson:"currency" json:"currency"`
-	Amount   string `bson:"amount" json:"amount"`
-}
-
 // QuoteMeta carries request-scoped metadata associated with a quote.
 type QuoteMeta struct {
 	model.OrganizationBoundBase `bson:",inline" json:",inline"`

api/gateway/chain/config.yml

@@ -55,3 +55,6 @@ key_management:
     namespace: ""
     mount_path: kv
     key_prefix: gateway/chain/wallets
+
+cache:
+  wallet_balance_ttl_seconds: 120

api/gateway/chain/go.mod

@@ -16,17 +16,17 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/Microsoft/go-winio v0.6.2 // indirect
-	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251119083800-2aa1d4cc79d7 // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251213223233-751f36331c62 // 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
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cenkalti/backoff/v4 v4.3.0 // indirect
@@ -60,7 +60,7 @@ require (
 	github.com/mitchellh/go-homedir v1.1.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/pmezard/go-difflib v1.0.0 // indirect
@@ -79,12 +79,12 @@ require (
 	github.com/yusufpapurcu/wmi v1.2.4 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
 	golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
 	golang.org/x/time v0.14.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // 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 v0.0.0-20251119083800-2aa1d4cc79d7 h1:uups37roJCTtR/BrJa0WoMrxt3rzgV+Qrj+TxYyJoAo=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251213223233-751f36331c62 h1:Rge3uIIO891+nLqKTfMulCw+tWHtTl16Oudi0yUcAoE=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251119083800-2aa1d4cc79d7/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251213223233-751f36331c62/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=
@@ -17,8 +17,8 @@ github.com/bits-and-blooms/bitset v1.24.4/go.mod h1:7hO7Gc7Pp1vODcmWvKMRA9BNmbv6
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -207,8 +207,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -320,8 +320,8 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546 h1:mgKeJMpvi0yx/sU5GsxQ7p6s2wtOnGAHZWCHUM4KGzY=
 golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546/go.mod h1:j/pmGrbnkbPtQfxEe5D0VQhZC6qKbfKifgD0oM7sR70=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
@@ -329,12 +329,12 @@ golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20190916202348-b4ddaad3f8a3/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
@@ -343,16 +343,16 @@ golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBc
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.1.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/time v0.14.0 h1:MRx4UaLrDotUKUdCIqzPC48t1Y9hANFKIRpNx+Te8PI=
 golang.org/x/time v0.14.0/go.mod h1:eL/Oa2bBBK0TkX57Fyni+NgnyQQN4LitPmob2Hjnqw4=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
@@ -362,12 +362,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

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

@@ -34,9 +34,10 @@ type Imp struct {
 
 type config struct {
 	*grpcapp.Config `yaml:",inline"`
-	Chains          []chainConfig       `yaml:"chains"`
+	Chains          []chainConfig                `yaml:"chains"`
-	ServiceWallet   serviceWalletConfig `yaml:"service_wallet"`
+	ServiceWallet   serviceWalletConfig          `yaml:"service_wallet"`
-	KeyManagement   keymanager.Config   `yaml:"key_management"`
+	KeyManagement   keymanager.Config            `yaml:"key_management"`
+	Settings        gatewayservice.CacheSettings `yaml:"cache"`
 }
 
 type chainConfig struct {
@@ -111,11 +112,12 @@ func (i *Imp) Start() error {
 			gatewayservice.WithServiceWallet(walletConfig),
 			gatewayservice.WithKeyManager(keyManager),
 			gatewayservice.WithTransferExecutor(executor),
+			gatewayservice.WithSettings(cfg.Settings),
 		}
 		return gatewayservice.NewService(logger, repo, producer, opts...), nil
 	}
 
-	app, err := grpcapp.NewApp(i.logger, "chain_gateway", cfg.Config, i.debug, repoFactory, serviceFactory)
+	app, err := grpcapp.NewApp(i.logger, "chain", cfg.Config, i.debug, repoFactory, serviceFactory)
 	if err != nil {
 		return err
 	}

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

@@ -4,7 +4,10 @@ import (
 	"context"
 	"errors"
 	"strings"
+	"time"
 
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/shared"
+	"github.com/tech/sendico/gateway/chain/storage/model"
 	"github.com/tech/sendico/pkg/api/routers/gsresponse"
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mservice"
@@ -14,6 +17,8 @@ import (
 	"google.golang.org/protobuf/types/known/timestamppb"
 )
 
+const fallbackBalanceCacheTTL = 2 * time.Minute
+
 type getWalletBalanceCommand struct {
 	deps Deps
 }
@@ -48,30 +53,88 @@ func (c *getWalletBalanceCommand) Execute(ctx context.Context, req *chainv1.GetW
 
 	balance, chainErr := onChainWalletBalance(ctx, c.deps, wallet)
 	if chainErr != nil {
-		c.deps.Logger.Warn("on-chain balance fetch failed, falling back to stored 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("stored balance not found", zap.String("wallet_ref", walletRef))
+				c.deps.Logger.Warn("cached balance not found", zap.String("wallet_ref", walletRef))
-				return gsresponse.NotFound[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, err)
+				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",
+				zap.String("wallet_ref", walletRef),
+				zap.Time("calculated_at", stored.CalculatedAt),
+				zap.Duration("ttl", c.cacheTTL()),
+			)
+			return gsresponse.Auto[chainv1.GetWalletBalanceResponse](c.deps.Logger, mservice.ChainGateway, chainErr)
+		}
 		return gsresponse.Success(&chainv1.GetWalletBalanceResponse{Balance: toProtoWalletBalance(stored)})
 	}
 
-	return gsresponse.Success(&chainv1.GetWalletBalanceResponse{Balance: onChainBalanceToProto(balance)})
+	calculatedAt := c.now()
+	c.persistCachedBalance(ctx, walletRef, balance, calculatedAt)
+
+	return gsresponse.Success(&chainv1.GetWalletBalanceResponse{
+		Balance: onChainBalanceToProto(balance, calculatedAt),
+	})
 }
 
-func onChainBalanceToProto(balance *moneyv1.Money) *chainv1.WalletBalance {
+func onChainBalanceToProto(balance *moneyv1.Money, calculatedAt time.Time) *chainv1.WalletBalance {
 	if balance == nil {
 		return nil
 	}
-	zero := &moneyv1.Money{Currency: balance.Currency, Amount: "0"}
+	zero := zeroMoney(balance.Currency)
 	return &chainv1.WalletBalance{
 		Available:       balance,
 		PendingInbound:  zero,
 		PendingOutbound: zero,
-		CalculatedAt:    timestamppb.Now(),
+		CalculatedAt:    timestamppb.New(calculatedAt.UTC()),
 	}
 }
+
+func (c *getWalletBalanceCommand) persistCachedBalance(ctx context.Context, walletRef string, available *moneyv1.Money, calculatedAt time.Time) {
+	if available == nil {
+		return
+	}
+	record := &model.WalletBalance{
+		WalletRef:       walletRef,
+		Available:       shared.CloneMoney(available),
+		PendingInbound:  zeroMoney(available.Currency),
+		PendingOutbound: zeroMoney(available.Currency),
+		CalculatedAt:    calculatedAt,
+	}
+	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))
+	}
+}
+
+func (c *getWalletBalanceCommand) isCachedBalanceStale(balance *model.WalletBalance) bool {
+	if balance == nil || balance.CalculatedAt.IsZero() {
+		return true
+	}
+	return c.now().After(balance.CalculatedAt.Add(c.cacheTTL()))
+}
+
+func (c *getWalletBalanceCommand) cacheTTL() time.Duration {
+	if c.deps.BalanceCacheTTL > 0 {
+		return c.deps.BalanceCacheTTL
+	}
+	// Fallback to sane default if not configured.
+	return fallbackBalanceCacheTTL
+}
+
+func (c *getWalletBalanceCommand) now() time.Time {
+	if c.deps.Clock != nil {
+		return c.deps.Clock.Now().UTC()
+	}
+	return time.Now().UTC()
+}
+
+func zeroMoney(currency string) *moneyv1.Money {
+	if strings.TrimSpace(currency) == "" {
+		return nil
+	}
+	return &moneyv1.Money{Currency: currency, Amount: "0"}
+}

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

@@ -2,10 +2,12 @@ package wallet
 
 import (
 	"context"
+	"time"
 
 	"github.com/tech/sendico/gateway/chain/internal/keymanager"
 	"github.com/tech/sendico/gateway/chain/internal/service/gateway/shared"
 	"github.com/tech/sendico/gateway/chain/storage"
+	clockpkg "github.com/tech/sendico/pkg/clock"
 	"github.com/tech/sendico/pkg/mlogger"
 )
 
@@ -14,6 +16,8 @@ type Deps struct {
 	Networks         map[string]shared.Network
 	KeyManager       keymanager.Manager
 	Storage          storage.Repository
+	Clock            clockpkg.Clock
+	BalanceCacheTTL  time.Duration
 	EnsureRepository func(context.Context) error
 }
 

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

@@ -67,3 +67,10 @@ func WithClock(clk clockpkg.Clock) Option {
 		}
 	}
 }
+
+// WithSettings applies gateway settings.
+func WithSettings(settings CacheSettings) Option {
+	return func(s *Service) {
+		s.settings = settings.withDefaults()
+	}
+}

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

@@ -36,6 +36,8 @@ type Service struct {
 	producer msg.Producer
 	clock    clockpkg.Clock
 
+	settings CacheSettings
+
 	networks      map[string]shared.Network
 	serviceWallet shared.ServiceWallet
 	keyManager    keymanager.Manager
@@ -52,6 +54,7 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 		storage:  repo,
 		producer: producer,
 		clock:    clockpkg.System{},
+		settings: defaultSettings(),
 		networks: map[string]shared.Network{},
 	}
 
@@ -69,6 +72,7 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 	if svc.networks == nil {
 		svc.networks = map[string]shared.Network{}
 	}
+	svc.settings = svc.settings.withDefaults()
 
 	svc.commands = commands.NewRegistry(commands.RegistryDeps{
 		Wallet:   commandsWalletDeps(svc),
@@ -130,6 +134,8 @@ func commandsWalletDeps(s *Service) wallet.Deps {
 		Networks:         s.networks,
 		KeyManager:       s.keyManager,
 		Storage:          s.storage,
+		Clock:            s.clock,
+		BalanceCacheTTL:  s.settings.walletBalanceCacheTTL(),
 		EnsureRepository: s.ensureRepository,
 	}
 }

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

@@ -0,0 +1,30 @@
+package gateway
+
+import "time"
+
+const defaultWalletBalanceCacheTTL = 120 * time.Second
+
+// CacheSettings holds tunable gateway behaviour.
+type CacheSettings struct {
+	WalletBalanceCacheTTLSeconds int `yaml:"wallet_balance_ttl_seconds"`
+}
+
+func defaultSettings() CacheSettings {
+	return CacheSettings{
+		WalletBalanceCacheTTLSeconds: int(defaultWalletBalanceCacheTTL.Seconds()),
+	}
+}
+
+func (s CacheSettings) withDefaults() CacheSettings {
+	if s.WalletBalanceCacheTTLSeconds <= 0 {
+		s.WalletBalanceCacheTTLSeconds = int(defaultWalletBalanceCacheTTL.Seconds())
+	}
+	return s
+}
+
+func (s CacheSettings) walletBalanceCacheTTL() time.Duration {
+	if s.WalletBalanceCacheTTLSeconds <= 0 {
+		return defaultWalletBalanceCacheTTL
+	}
+	return time.Duration(s.WalletBalanceCacheTTLSeconds) * time.Second
+}

api/gateway/chain/main.go

@@ -13,5 +13,5 @@ func factory(logger mlogger.Logger, file string, debug bool) (server.Application
 }
 
 func main() {
-	smain.RunServer("main", appversion.Create(), factory)
+	smain.RunServer("gateway", appversion.Create(), factory)
 }

api/gateway/mntx/client/client.go

@@ -0,0 +1,84 @@
+package client
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials/insecure"
+)
+
+// Client wraps the Monetix gateway gRPC API.
+type Client interface {
+	CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error)
+	CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error)
+	GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error)
+	Close() error
+}
+
+type gatewayClient struct {
+	conn   *grpc.ClientConn
+	client mntxv1.MntxGatewayServiceClient
+	cfg    Config
+}
+
+// New dials the Monetix gateway.
+func New(ctx context.Context, cfg Config, opts ...grpc.DialOption) (Client, error) {
+	cfg.setDefaults()
+	if strings.TrimSpace(cfg.Address) == "" {
+		return nil, merrors.InvalidArgument("mntx: address is required")
+	}
+	dialCtx, cancel := context.WithTimeout(ctx, cfg.DialTimeout)
+	defer cancel()
+
+	dialOpts := make([]grpc.DialOption, 0, len(opts)+1)
+	dialOpts = append(dialOpts, grpc.WithTransportCredentials(insecure.NewCredentials()))
+	dialOpts = append(dialOpts, opts...)
+
+	conn, err := grpc.DialContext(dialCtx, cfg.Address, dialOpts...)
+	if err != nil {
+		return nil, merrors.Internal("mntx: dial failed: " + err.Error())
+	}
+
+	return &gatewayClient{
+		conn:   conn,
+		client: mntxv1.NewMntxGatewayServiceClient(conn),
+		cfg:    cfg,
+	}, nil
+}
+
+func (g *gatewayClient) Close() error {
+	if g.conn != nil {
+		return g.conn.Close()
+	}
+	return nil
+}
+
+func (g *gatewayClient) callContext(ctx context.Context) (context.Context, context.CancelFunc) {
+	timeout := g.cfg.CallTimeout
+	if timeout <= 0 {
+		timeout = 5 * time.Second
+	}
+	return context.WithTimeout(ctx, timeout)
+}
+
+func (g *gatewayClient) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+	ctx, cancel := g.callContext(ctx)
+	defer cancel()
+	return g.client.CreateCardPayout(ctx, req)
+}
+
+func (g *gatewayClient) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
+	ctx, cancel := g.callContext(ctx)
+	defer cancel()
+	return g.client.CreateCardTokenPayout(ctx, req)
+}
+
+func (g *gatewayClient) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error) {
+	ctx, cancel := g.callContext(ctx)
+	defer cancel()
+	return g.client.GetCardPayoutStatus(ctx, req)
+}

api/gateway/mntx/client/config.go

@@ -0,0 +1,19 @@
+package client
+
+import "time"
+
+// Config holds Monetix gateway client settings.
+type Config struct {
+	Address     string
+	DialTimeout time.Duration
+	CallTimeout time.Duration
+}
+
+func (c *Config) setDefaults() {
+	if c.DialTimeout <= 0 {
+		c.DialTimeout = 5 * time.Second
+	}
+	if c.CallTimeout <= 0 {
+		c.CallTimeout = 10 * time.Second
+	}
+}

api/gateway/mntx/client/fake.go

@@ -0,0 +1,37 @@
+package client
+
+import (
+	"context"
+
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+// Fake implements Client for tests.
+type Fake struct {
+	CreateCardPayoutFn      func(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error)
+	CreateCardTokenPayoutFn func(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error)
+	GetCardPayoutStatusFn   func(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error)
+}
+
+func (f *Fake) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+	if f.CreateCardPayoutFn != nil {
+		return f.CreateCardPayoutFn(ctx, req)
+	}
+	return &mntxv1.CardPayoutResponse{}, nil
+}
+
+func (f *Fake) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
+	if f.CreateCardTokenPayoutFn != nil {
+		return f.CreateCardTokenPayoutFn(ctx, req)
+	}
+	return &mntxv1.CardTokenPayoutResponse{}, nil
+}
+
+func (f *Fake) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error) {
+	if f.GetCardPayoutStatusFn != nil {
+		return f.GetCardPayoutStatusFn(ctx, req)
+	}
+	return &mntxv1.GetCardPayoutStatusResponse{}, nil
+}
+
+func (f *Fake) Close() error { return nil }

api/gateway/mntx/go.mod

@@ -12,14 +12,14 @@ require (
 	github.com/tech/sendico/pkg v0.1.0
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -30,7 +30,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
@@ -45,10 +45,10 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/gateway/mntx/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -178,35 +178,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -214,12 +214,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

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

@@ -125,7 +125,7 @@ func (i *Imp) Start() error {
 		return svc, nil
 	}
 
-	app, err := grpcapp.NewApp(i.logger, "mntx_gateway", cfg.Config, i.debug, nil, serviceFactory)
+	app, err := grpcapp.NewApp(i.logger, "monetix", cfg.Config, i.debug, nil, serviceFactory)
 	if err != nil {
 		return err
 	}
@@ -163,7 +163,7 @@ func (i *Imp) loadConfig() (*config, error) {
 	}
 
 	if cfg.Metrics == nil {
-		cfg.Metrics = &grpcapp.MetricsConfig{Address: ":9404"}
+		cfg.Metrics = &grpcapp.MetricsConfig{Address: ":9405"}
 	}
 
 	return cfg, nil

api/gateway/mntx/main.go

@@ -13,5 +13,5 @@ func factory(logger mlogger.Logger, file string, debug bool) (server.Application
 }
 
 func main() {
-	smain.RunServer("mntx_gateway", appversion.Create(), factory)
+	smain.RunServer("gateway", appversion.Create(), factory)
 }

api/ledger/go.mod

@@ -12,14 +12,14 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -33,7 +33,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/pmezard/go-difflib v1.0.0 // indirect
@@ -46,10 +46,10 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/ledger/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -178,35 +178,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -214,12 +214,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/ledger/storage/model/types.go

@@ -62,12 +62,6 @@ const (
 	OutboxStatusFailed  OutboxStatus = "failed"
 )
 
-// Money represents an exact decimal amount with its currency.
-type Money struct {
-	Currency string `bson:"currency" json:"currency"`
-	Amount   string `bson:"amount" json:"amount"` // stored as string for exact decimal representation
-}
-
 // LedgerMeta carries organization-scoped metadata for ledger entities.
 type LedgerMeta struct {
 	model.OrganizationBoundBase `bson:",inline" json:",inline"`

api/notification/go.mod

@@ -14,14 +14,14 @@ require (
 	github.com/xhit/go-simple-mail/v2 v2.16.0
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
-	golang.org/x/text v0.31.0
+	golang.org/x/text v0.32.0
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -33,7 +33,7 @@ require (
 	github.com/mattn/go-isatty v0.0.20 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_golang v1.23.2 // indirect
@@ -48,11 +48,11 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 	google.golang.org/grpc v1.77.0 // indirect
-	google.golang.org/protobuf v1.36.10 // indirect
+	google.golang.org/protobuf v1.36.11 // indirect
 )

api/notification/go.sum

@@ -13,8 +13,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -99,8 +99,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -191,35 +191,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -227,12 +227,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/payments/orchestrator/client/client.go

@@ -17,6 +17,8 @@ import (
 // Client exposes typed helpers around the payment orchestrator gRPC API.
 type Client interface {
 	QuotePayment(ctx context.Context, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.QuotePaymentResponse, error)
+	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)
 	CancelPayment(ctx context.Context, req *orchestratorv1.CancelPaymentRequest) (*orchestratorv1.CancelPaymentResponse, error)
 	GetPayment(ctx context.Context, req *orchestratorv1.GetPaymentRequest) (*orchestratorv1.GetPaymentResponse, error)
@@ -29,6 +31,8 @@ type Client interface {
 
 type grpcOrchestratorClient interface {
 	QuotePayment(ctx context.Context, in *orchestratorv1.QuotePaymentRequest, opts ...grpc.CallOption) (*orchestratorv1.QuotePaymentResponse, error)
+	QuotePayments(ctx context.Context, in *orchestratorv1.QuotePaymentsRequest, opts ...grpc.CallOption) (*orchestratorv1.QuotePaymentsResponse, error)
+	InitiatePayments(ctx context.Context, in *orchestratorv1.InitiatePaymentsRequest, opts ...grpc.CallOption) (*orchestratorv1.InitiatePaymentsResponse, error)
 	InitiatePayment(ctx context.Context, in *orchestratorv1.InitiatePaymentRequest, opts ...grpc.CallOption) (*orchestratorv1.InitiatePaymentResponse, error)
 	CancelPayment(ctx context.Context, in *orchestratorv1.CancelPaymentRequest, opts ...grpc.CallOption) (*orchestratorv1.CancelPaymentResponse, error)
 	GetPayment(ctx context.Context, in *orchestratorv1.GetPaymentRequest, opts ...grpc.CallOption) (*orchestratorv1.GetPaymentResponse, error)
@@ -97,6 +101,18 @@ func (c *orchestratorClient) QuotePayment(ctx context.Context, req *orchestrator
 	return c.client.QuotePayment(ctx, req)
 }
 
+func (c *orchestratorClient) QuotePayments(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) (*orchestratorv1.QuotePaymentsResponse, error) {
+	ctx, cancel := c.callContext(ctx)
+	defer cancel()
+	return c.client.QuotePayments(ctx, req)
+}
+
+func (c *orchestratorClient) InitiatePayments(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) (*orchestratorv1.InitiatePaymentsResponse, error) {
+	ctx, cancel := c.callContext(ctx)
+	defer cancel()
+	return c.client.InitiatePayments(ctx, req)
+}
+
 func (c *orchestratorClient) InitiatePayment(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) (*orchestratorv1.InitiatePaymentResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()

api/payments/orchestrator/client/fake.go

@@ -9,6 +9,8 @@ import (
 // Fake implements Client for tests.
 type Fake struct {
 	QuotePaymentFn           func(ctx context.Context, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.QuotePaymentResponse, error)
+	QuotePaymentsFn          func(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) (*orchestratorv1.QuotePaymentsResponse, error)
+	InitiatePaymentsFn       func(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) (*orchestratorv1.InitiatePaymentsResponse, error)
 	InitiatePaymentFn        func(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) (*orchestratorv1.InitiatePaymentResponse, error)
 	CancelPaymentFn          func(ctx context.Context, req *orchestratorv1.CancelPaymentRequest) (*orchestratorv1.CancelPaymentResponse, error)
 	GetPaymentFn             func(ctx context.Context, req *orchestratorv1.GetPaymentRequest) (*orchestratorv1.GetPaymentResponse, error)
@@ -26,6 +28,20 @@ func (f *Fake) QuotePayment(ctx context.Context, req *orchestratorv1.QuotePaymen
 	return &orchestratorv1.QuotePaymentResponse{}, nil
 }
 
+func (f *Fake) QuotePayments(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) (*orchestratorv1.QuotePaymentsResponse, error) {
+	if f.QuotePaymentsFn != nil {
+		return f.QuotePaymentsFn(ctx, req)
+	}
+	return &orchestratorv1.QuotePaymentsResponse{}, nil
+}
+
+func (f *Fake) InitiatePayments(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) (*orchestratorv1.InitiatePaymentsResponse, error) {
+	if f.InitiatePaymentsFn != nil {
+		return f.InitiatePaymentsFn(ctx, req)
+	}
+	return &orchestratorv1.InitiatePaymentsResponse{}, nil
+}
+
 func (f *Fake) InitiatePayment(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) (*orchestratorv1.InitiatePaymentResponse, error) {
 	if f.InitiatePaymentFn != nil {
 		return f.InitiatePaymentFn(ctx, req)

api/payments/orchestrator/config.yml

@@ -56,3 +56,11 @@ oracle:
   dial_timeout_seconds: 5
   call_timeout_seconds: 3
   insecure: true
+
+card_gateways:
+  monetix:
+    funding_address: "wallet_funding_monetix"
+    fee_address: "wallet_fee_monetix"
+
+fee_ledger_accounts:
+  monetix: "ledger:fees:monetix"

api/payments/orchestrator/go.mod

@@ -8,6 +8,8 @@ replace github.com/tech/sendico/billing/fees => ../../billing/fees
 
 replace github.com/tech/sendico/gateway/chain => ../../gateway/chain
 
+replace github.com/tech/sendico/gateway/mntx => ../../gateway/mntx
+
 replace github.com/tech/sendico/fx/oracle => ../../fx/oracle
 
 replace github.com/tech/sendico/ledger => ../../ledger
@@ -17,19 +19,20 @@ require (
 	github.com/shopspring/decimal v1.4.0
 	github.com/tech/sendico/fx/oracle v0.0.0-00010101000000-000000000000
 	github.com/tech/sendico/gateway/chain v0.0.0-00010101000000-000000000000
+	github.com/tech/sendico/gateway/mntx v0.0.0-00010101000000-000000000000
 	github.com/tech/sendico/ledger v0.0.0-00010101000000-000000000000
 	github.com/tech/sendico/pkg v0.1.0
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -42,7 +45,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
@@ -54,10 +57,10 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/payments/orchestrator/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -119,8 +119,8 @@ github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+L
 github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
 github.com/prometheus/procfs v0.19.2 h1:zUMhqEW66Ex7OXIiDkll3tl9a1ZdilUOd/F6ZXw4Vws=
 github.com/prometheus/procfs v0.19.2/go.mod h1:M0aotyiemPhBCM0z5w87kL22CxfcH05ZpYlu+b4J7mw=
-github.com/rogpeppe/go-internal v1.10.0 h1:TMyTOH3F/DB16zRVcYyreMH6GnZZrwQVAoYjRBZyWFQ=
+github.com/rogpeppe/go-internal v1.12.0 h1:exVL4IDcn6na9z1rAb56Vxr+CgyK3nn3O+epU5NdKM8=
-github.com/rogpeppe/go-internal v1.10.0/go.mod h1:UQnix2H7Ngw/k4C5ijL5+65zddjncjaFoBhdsK/akog=
+github.com/rogpeppe/go-internal v1.12.0/go.mod h1:E+RYuTGaKKdloAfM02xzb0FW3Paa99yedzYV+kq4uf4=
 github.com/shirou/gopsutil v3.21.11+incompatible h1:+1+c1VGhc88SSonWP6foOcLhvnKlUeu/erjjvaPEYiI=
 github.com/shirou/gopsutil/v3 v3.24.5 h1:i0t8kL+kQTvpAYToeuiVk3TgDeKOFioZO3Ztz/iZ9pI=
 github.com/shirou/gopsutil/v3 v3.24.5/go.mod h1:bsoOS1aStSs9ErQ1WWfxllSeS1K5D+U30r2NfcubMVk=
@@ -179,35 +179,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -215,12 +215,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/payments/orchestrator/internal/server/internal/serverimp.go

@@ -7,8 +7,8 @@ import (
 	"strings"
 	"time"
 
-	chainclient "github.com/tech/sendico/gateway/chain/client"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
+	chainclient "github.com/tech/sendico/gateway/chain/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrator"
 	"github.com/tech/sendico/payments/orchestrator/storage"
@@ -41,10 +41,12 @@ type Imp struct {
 
 type config struct {
 	*grpcapp.Config `yaml:",inline"`
-	Fees            clientConfig `yaml:"fees"`
+	Fees            clientConfig                      `yaml:"fees"`
-	Ledger          clientConfig `yaml:"ledger"`
+	Ledger          clientConfig                      `yaml:"ledger"`
-	Gateway         clientConfig `yaml:"gateway"`
+	Gateway         clientConfig                      `yaml:"gateway"`
-	Oracle          clientConfig `yaml:"oracle"`
+	Oracle          clientConfig                      `yaml:"oracle"`
+	CardGateways    map[string]cardGatewayRouteConfig `yaml:"card_gateways"`
+	FeeAccounts     map[string]string                 `yaml:"fee_ledger_accounts"`
 }
 
 type clientConfig struct {
@@ -54,6 +56,11 @@ type clientConfig struct {
 	InsecureTransport bool   `yaml:"insecure"`
 }
 
+type cardGatewayRouteConfig struct {
+	FundingAddress string `yaml:"funding_address"`
+	FeeAddress     string `yaml:"fee_address"`
+}
+
 func (c clientConfig) address() string {
 	return strings.TrimSpace(c.Address)
 }
@@ -107,7 +114,7 @@ func (i *Imp) Shutdown() {
 
 func (i *Imp) Start() error {
 	cfg, err := i.loadConfig()
-		if err != nil {
+	if err != nil {
 		return err
 	}
 	i.config = cfg
@@ -150,6 +157,12 @@ func (i *Imp) Start() error {
 		if oracleClient != nil {
 			opts = append(opts, orchestrator.WithOracleClient(oracleClient))
 		}
+		if routes := buildCardGatewayRoutes(cfg.CardGateways); len(routes) > 0 {
+			opts = append(opts, orchestrator.WithCardGatewayRoutes(routes))
+		}
+		if feeAccounts := buildFeeLedgerAccounts(cfg.FeeAccounts); len(feeAccounts) > 0 {
+			opts = append(opts, orchestrator.WithFeeLedgerAccounts(feeAccounts))
+		}
 		return orchestrator.NewService(logger, repo, opts...), nil
 	}
 
@@ -296,3 +309,37 @@ func (i *Imp) loadConfig() (*config, error) {
 
 	return cfg, nil
 }
+
+func buildCardGatewayRoutes(src map[string]cardGatewayRouteConfig) map[string]orchestrator.CardGatewayRoute {
+	if len(src) == 0 {
+		return nil
+	}
+	result := make(map[string]orchestrator.CardGatewayRoute, len(src))
+	for key, route := range src {
+		trimmedKey := strings.TrimSpace(key)
+		if trimmedKey == "" {
+			continue
+		}
+		result[trimmedKey] = orchestrator.CardGatewayRoute{
+			FundingAddress: strings.TrimSpace(route.FundingAddress),
+			FeeAddress:     strings.TrimSpace(route.FeeAddress),
+		}
+	}
+	return result
+}
+
+func buildFeeLedgerAccounts(src map[string]string) map[string]string {
+	if len(src) == 0 {
+		return nil
+	}
+	result := make(map[string]string, len(src))
+	for key, account := range src {
+		k := strings.ToLower(strings.TrimSpace(key))
+		v := strings.TrimSpace(account)
+		if k == "" || v == "" {
+			continue
+		}
+		result[k] = v
+	}
+	return result
+}

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

@@ -0,0 +1,252 @@
+package orchestrator
+
+import (
+	"context"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.uber.org/zap"
+)
+
+const defaultCardGateway = "monetix"
+
+func (s *Service) cardRoute(gateway string) (CardGatewayRoute, error) {
+	if len(s.deps.cardRoutes) == 0 {
+		s.logger.Warn("card routing not configured", zap.String("gateway", gateway))
+		return CardGatewayRoute{}, merrors.InvalidArgument("card routing not configured")
+	}
+	key := strings.ToLower(strings.TrimSpace(gateway))
+	if key == "" {
+		key = defaultCardGateway
+	}
+	route, ok := s.deps.cardRoutes[key]
+	if !ok {
+		s.logger.Warn("card routing missing for gateway", zap.String("gateway", key))
+		return CardGatewayRoute{}, merrors.InvalidArgument("card routing missing for gateway " + key)
+	}
+	if strings.TrimSpace(route.FundingAddress) == "" {
+		s.logger.Warn("card routing missing funding address", zap.String("gateway", key))
+		return CardGatewayRoute{}, merrors.InvalidArgument("card funding address is required for gateway " + key)
+	}
+	return route, nil
+}
+
+func (s *Service) submitCardFundingTransfers(ctx context.Context, payment *model.Payment, quote *orchestratorv1.PaymentQuote) error {
+	if payment == nil {
+		return merrors.InvalidArgument("payment is required")
+	}
+	intent := payment.Intent
+	source := intent.Source.ManagedWallet
+	if source == nil || strings.TrimSpace(source.ManagedWalletRef) == "" {
+		return merrors.InvalidArgument("card funding: source managed wallet is required")
+	}
+	if !s.deps.gateway.available() {
+		s.logger.Warn("card funding aborted: chain gateway unavailable")
+		return merrors.InvalidArgument("card funding: chain gateway unavailable")
+	}
+
+	route, err := s.cardRoute(defaultCardGateway)
+	if err != nil {
+		return err
+	}
+
+	amount := cloneMoney(intent.Amount)
+	if amount == nil {
+		return merrors.InvalidArgument("card funding: amount is required")
+	}
+
+	exec := payment.Execution
+	if exec == nil {
+		exec = &model.ExecutionRefs{}
+	}
+
+	// Transfer payout amount to funding wallet.
+	fundReq := &chainv1.SubmitTransferRequest{
+		IdempotencyKey:  payment.IdempotencyKey + ":card:fund",
+		OrganizationRef: payment.OrganizationRef.Hex(),
+		SourceWalletRef: strings.TrimSpace(source.ManagedWalletRef),
+		Destination: &chainv1.TransferDestination{
+			Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(route.FundingAddress)},
+		},
+		Amount:          amount,
+		Metadata:        cloneMetadata(payment.Metadata),
+		ClientReference: payment.PaymentRef,
+	}
+	fundResp, err := s.deps.gateway.client.SubmitTransfer(ctx, fundReq)
+	if err != nil {
+		s.logger.Warn("card funding transfer failed", zap.Error(err), zap.String("payment_ref", payment.PaymentRef))
+		return err
+	}
+	if fundResp != nil && fundResp.GetTransfer() != nil {
+		exec.ChainTransferRef = strings.TrimSpace(fundResp.GetTransfer().GetTransferRef())
+	}
+	s.logger.Info("card funding transfer submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("transfer_ref", exec.ChainTransferRef))
+
+	feeMoney := quote.GetExpectedFeeTotal()
+	if feeMoney != nil && strings.TrimSpace(feeMoney.GetAmount()) != "" {
+		if strings.TrimSpace(route.FeeAddress) == "" {
+			return merrors.InvalidArgument("card funding: fee address is required when fee exists")
+		}
+		feeDecimal, err := decimalFromMoney(feeMoney)
+		if err != nil {
+			return err
+		}
+		if feeDecimal.IsPositive() {
+			feeReq := &chainv1.SubmitTransferRequest{
+				IdempotencyKey:  payment.IdempotencyKey + ":card:fee",
+				OrganizationRef: payment.OrganizationRef.Hex(),
+				SourceWalletRef: strings.TrimSpace(source.ManagedWalletRef),
+				Destination: &chainv1.TransferDestination{
+					Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(route.FeeAddress)},
+				},
+				Amount:          feeMoney,
+				Metadata:        cloneMetadata(payment.Metadata),
+				ClientReference: payment.PaymentRef,
+			}
+			feeResp, feeErr := s.deps.gateway.client.SubmitTransfer(ctx, feeReq)
+			if feeErr != nil {
+				s.logger.Warn("card fee transfer failed", zap.Error(feeErr), zap.String("payment_ref", payment.PaymentRef))
+				return feeErr
+			}
+			if feeResp != nil && feeResp.GetTransfer() != nil {
+				exec.FeeTransferRef = strings.TrimSpace(feeResp.GetTransfer().GetTransferRef())
+			}
+			s.logger.Info("card fee transfer submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("transfer_ref", exec.FeeTransferRef))
+		}
+	}
+
+	payment.Execution = exec
+	return nil
+}
+
+func (s *Service) submitCardPayout(ctx context.Context, payment *model.Payment) error {
+	if payment == nil {
+		return merrors.InvalidArgument("payment is required")
+	}
+	intent := payment.Intent
+	card := intent.Destination.Card
+	if card == nil {
+		return merrors.InvalidArgument("card payout: card endpoint is required")
+	}
+	amount := cloneMoney(intent.Amount)
+	if amount == nil || strings.TrimSpace(amount.GetAmount()) == "" || strings.TrimSpace(amount.GetCurrency()) == "" {
+		return merrors.InvalidArgument("card payout: amount is required")
+	}
+	amtDec, err := decimalFromMoney(amount)
+	if err != nil {
+		return err
+	}
+	minor := amtDec.Mul(decimal.NewFromInt(100)).IntPart()
+
+	payoutID := payment.PaymentRef
+	currency := strings.TrimSpace(amount.GetCurrency())
+	holder := strings.TrimSpace(card.Cardholder)
+	meta := cloneMetadata(payment.Metadata)
+
+	var (
+		state *mntxv1.CardPayoutState
+	)
+
+	if token := strings.TrimSpace(card.Token); token != "" {
+		req := &mntxv1.CardTokenPayoutRequest{
+			PayoutId:    payoutID,
+			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 {
+			s.logger.Warn("card token payout failed", zap.Error(err), zap.String("payment_ref", payment.PaymentRef))
+			return err
+		}
+		state = resp.GetPayout()
+	} else if pan := strings.TrimSpace(card.Pan); pan != "" {
+		req := &mntxv1.CardPayoutRequest{
+			PayoutId:     payoutID,
+			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 {
+			s.logger.Warn("card payout failed", zap.Error(err), zap.String("payment_ref", payment.PaymentRef))
+			return err
+		}
+		state = resp.GetPayout()
+	} else {
+		return merrors.InvalidArgument("card payout: either token or pan must be provided")
+	}
+
+	if state == nil {
+		return merrors.Internal("card payout: missing payout state")
+	}
+	recordCardPayoutState(payment, state)
+	if payment.Execution == nil {
+		payment.Execution = &model.ExecutionRefs{}
+	}
+	if payment.Execution.CardPayoutRef == "" {
+		payment.Execution.CardPayoutRef = strings.TrimSpace(state.GetPayoutId())
+	}
+	s.logger.Info("card payout submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("payout_id", payment.Execution.CardPayoutRef))
+
+	return nil
+}
+
+func recordCardPayoutState(payment *model.Payment, state *mntxv1.CardPayoutState) {
+	if payment == nil || state == nil {
+		return
+	}
+	if payment.CardPayout == nil {
+		payment.CardPayout = &model.CardPayout{}
+	}
+	payment.CardPayout.PayoutRef = strings.TrimSpace(state.GetPayoutId())
+	payment.CardPayout.ProviderPaymentID = strings.TrimSpace(state.GetProviderPaymentId())
+	payment.CardPayout.Status = state.GetStatus().String()
+	payment.CardPayout.FailureReason = strings.TrimSpace(state.GetProviderMessage())
+	payment.CardPayout.ProviderCode = strings.TrimSpace(state.GetProviderCode())
+	if payment.CardPayout.CardCountry == "" && payment.Intent.Destination.Card != nil {
+		payment.CardPayout.CardCountry = strings.TrimSpace(payment.Intent.Destination.Card.Country)
+	}
+	if payment.CardPayout.MaskedPan == "" && payment.Intent.Destination.Card != nil {
+		payment.CardPayout.MaskedPan = strings.TrimSpace(payment.Intent.Destination.Card.MaskedPan)
+	}
+	payment.CardPayout.GatewayReference = strings.TrimSpace(state.GetPayoutId())
+}
+
+func applyCardPayoutUpdate(payment *model.Payment, payout *mntxv1.CardPayoutState) {
+	if payment == nil || payout == nil {
+		return
+	}
+	recordCardPayoutState(payment, payout)
+
+	if payment.Execution == nil {
+		payment.Execution = &model.ExecutionRefs{}
+	}
+	if payment.Execution.CardPayoutRef == "" {
+		payment.Execution.CardPayoutRef = strings.TrimSpace(payout.GetPayoutId())
+	}
+
+	payment.State = mapMntxStatusToState(payout.GetStatus())
+	switch payout.GetStatus() {
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED:
+		payment.FailureCode = model.PaymentFailureCodeUnspecified
+		payment.FailureReason = ""
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED:
+		payment.FailureCode = model.PaymentFailureCodePolicy
+		payment.FailureReason = strings.TrimSpace(payout.GetProviderMessage())
+	default:
+		// leave as-is for pending/unspecified
+	}
+}

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

@@ -0,0 +1,97 @@
+package orchestrator
+
+import (
+	"context"
+	"time"
+
+	"github.com/tech/sendico/payments/orchestrator/storage"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	"github.com/tech/sendico/pkg/mlogger"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+)
+
+type paymentEngine interface {
+	EnsureRepository(ctx context.Context) error
+	BuildPaymentQuote(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.PaymentQuote, time.Time, error)
+	ResolvePaymentQuote(ctx context.Context, in quoteResolutionInput) (*orchestratorv1.PaymentQuote, error)
+	ExecutePayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, quote *orchestratorv1.PaymentQuote) error
+	Repository() storage.Repository
+}
+
+type defaultPaymentEngine struct {
+	svc *Service
+}
+
+func (e defaultPaymentEngine) EnsureRepository(ctx context.Context) error {
+	return e.svc.ensureRepository(ctx)
+}
+
+func (e defaultPaymentEngine) BuildPaymentQuote(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.PaymentQuote, time.Time, error) {
+	return e.svc.buildPaymentQuote(ctx, orgRef, req)
+}
+
+func (e defaultPaymentEngine) ResolvePaymentQuote(ctx context.Context, in quoteResolutionInput) (*orchestratorv1.PaymentQuote, error) {
+	return e.svc.resolvePaymentQuote(ctx, in)
+}
+
+func (e defaultPaymentEngine) ExecutePayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, quote *orchestratorv1.PaymentQuote) error {
+	return e.svc.executePayment(ctx, store, payment, quote)
+}
+
+func (e defaultPaymentEngine) Repository() storage.Repository {
+	return e.svc.storage
+}
+
+type paymentCommandFactory struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func newPaymentCommandFactory(engine paymentEngine, logger mlogger.Logger) *paymentCommandFactory {
+	return &paymentCommandFactory{
+		engine: engine,
+		logger: logger.Named("commands"),
+	}
+}
+
+func (f *paymentCommandFactory) QuotePayment() *quotePaymentCommand {
+	return &quotePaymentCommand{
+		engine: f.engine,
+		logger: f.logger.Named("quote_payment"),
+	}
+}
+
+func (f *paymentCommandFactory) QuotePayments() *quotePaymentsCommand {
+	return &quotePaymentsCommand{
+		engine: f.engine,
+		logger: f.logger.Named("quote_payments"),
+	}
+}
+
+func (f *paymentCommandFactory) InitiatePayment() *initiatePaymentCommand {
+	return &initiatePaymentCommand{
+		engine: f.engine,
+		logger: f.logger.Named("initiate_payment"),
+	}
+}
+
+func (f *paymentCommandFactory) InitiatePayments() *initiatePaymentsCommand {
+	return &initiatePaymentsCommand{
+		engine: f.engine,
+		logger: f.logger.Named("initiate_payments"),
+	}
+}
+
+func (f *paymentCommandFactory) CancelPayment() *cancelPaymentCommand {
+	return &cancelPaymentCommand{
+		engine: f.engine,
+		logger: f.logger.Named("cancel_payment"),
+	}
+}
+
+func (f *paymentCommandFactory) InitiateConversion() *initiateConversionCommand {
+	return &initiateConversionCommand{
+		engine: f.engine,
+		logger: f.logger.Named("initiate_conversion"),
+	}
+}

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

@@ -20,13 +20,14 @@ func intentFromProto(src *orchestratorv1.PaymentIntent) model.PaymentIntent {
 		return model.PaymentIntent{}
 	}
 	intent := model.PaymentIntent{
-		Kind:        modelKindFromProto(src.GetKind()),
+		Kind:           modelKindFromProto(src.GetKind()),
-		Source:      endpointFromProto(src.GetSource()),
+		Source:         endpointFromProto(src.GetSource()),
-		Destination: endpointFromProto(src.GetDestination()),
+		Destination:    endpointFromProto(src.GetDestination()),
-		Amount:      cloneMoney(src.GetAmount()),
+		Amount:         cloneMoney(src.GetAmount()),
-		RequiresFX:  src.GetRequiresFx(),
+		RequiresFX:     src.GetRequiresFx(),
-		FeePolicy:   src.GetFeePolicy(),
+		FeePolicy:      src.GetFeePolicy(),
-		Attributes:  cloneMetadata(src.GetAttributes()),
+		SettlementMode: src.GetSettlementMode(),
+		Attributes:     cloneMetadata(src.GetAttributes()),
 	}
 	if src.GetFx() != nil {
 		intent.FX = fxIntentFromProto(src.GetFx())
@@ -67,6 +68,19 @@ func endpointFromProto(src *orchestratorv1.PaymentEndpoint) model.PaymentEndpoin
 		}
 		return result
 	}
+	if card := src.GetCard(); card != nil {
+		result.Type = model.EndpointTypeCard
+		result.Card = &model.CardEndpoint{
+			Pan:        strings.TrimSpace(card.GetPan()),
+			Token:      strings.TrimSpace(card.GetToken()),
+			Cardholder: strings.TrimSpace(card.GetCardholderName()),
+			ExpMonth:   card.GetExpMonth(),
+			ExpYear:    card.GetExpYear(),
+			Country:    strings.TrimSpace(card.GetCountry()),
+			MaskedPan:  strings.TrimSpace(card.GetMaskedPan()),
+		}
+		return result
+	}
 	return result
 }
 
@@ -96,7 +110,7 @@ func quoteSnapshotToModel(src *orchestratorv1.PaymentQuote) *model.PaymentQuoteS
 		FeeRules:                 cloneFeeRules(src.GetFeeRules()),
 		FXQuote:                  cloneFXQuote(src.GetFxQuote()),
 		NetworkFee:               cloneNetworkEstimate(src.GetNetworkFee()),
-		FeeQuoteToken:            strings.TrimSpace(src.GetFeeQuoteToken()),
+		QuoteRef:                 strings.TrimSpace(src.GetQuoteRef()),
 	}
 }
 
@@ -115,6 +129,18 @@ func toProtoPayment(src *model.Payment) *orchestratorv1.Payment {
 		Execution:      protoExecutionFromModel(src.Execution),
 		Metadata:       cloneMetadata(src.Metadata),
 	}
+	if src.CardPayout != nil {
+		payment.CardPayout = &orchestratorv1.CardPayout{
+			PayoutRef:         src.CardPayout.PayoutRef,
+			ProviderPaymentId: src.CardPayout.ProviderPaymentID,
+			Status:            src.CardPayout.Status,
+			FailureReason:     src.CardPayout.FailureReason,
+			CardCountry:       src.CardPayout.CardCountry,
+			MaskedPan:         src.CardPayout.MaskedPan,
+			ProviderCode:      src.CardPayout.ProviderCode,
+			GatewayReference:  src.CardPayout.GatewayReference,
+		}
+	}
 	if src.CreatedAt.IsZero() {
 		payment.CreatedAt = timestamppb.New(time.Now().UTC())
 	} else {
@@ -128,13 +154,14 @@ func toProtoPayment(src *model.Payment) *orchestratorv1.Payment {
 
 func protoIntentFromModel(src model.PaymentIntent) *orchestratorv1.PaymentIntent {
 	intent := &orchestratorv1.PaymentIntent{
-		Kind:        protoKindFromModel(src.Kind),
+		Kind:           protoKindFromModel(src.Kind),
-		Source:      protoEndpointFromModel(src.Source),
+		Source:         protoEndpointFromModel(src.Source),
-		Destination: protoEndpointFromModel(src.Destination),
+		Destination:    protoEndpointFromModel(src.Destination),
-		Amount:      cloneMoney(src.Amount),
+		Amount:         cloneMoney(src.Amount),
-		RequiresFx:  src.RequiresFX,
+		RequiresFx:     src.RequiresFX,
-		FeePolicy:   src.FeePolicy,
+		FeePolicy:      src.FeePolicy,
-		Attributes:  cloneMetadata(src.Attributes),
+		SettlementMode: src.SettlementMode,
+		Attributes:     cloneMetadata(src.Attributes),
 	}
 	if src.FX != nil {
 		intent.Fx = protoFXIntentFromModel(src.FX)
@@ -175,6 +202,23 @@ func protoEndpointFromModel(src model.PaymentEndpoint) *orchestratorv1.PaymentEn
 				},
 			}
 		}
+	case model.EndpointTypeCard:
+		if src.Card != nil {
+			card := &orchestratorv1.CardEndpoint{
+				CardholderName: src.Card.Cardholder,
+				ExpMonth:       src.Card.ExpMonth,
+				ExpYear:        src.Card.ExpYear,
+				Country:        src.Card.Country,
+				MaskedPan:      src.Card.MaskedPan,
+			}
+			if pan := strings.TrimSpace(src.Card.Pan); pan != "" {
+				card.Card = &orchestratorv1.CardEndpoint_Pan{Pan: pan}
+			}
+			if token := strings.TrimSpace(src.Card.Token); token != "" {
+				card.Card = &orchestratorv1.CardEndpoint_Token{Token: token}
+			}
+			endpoint.Endpoint = &orchestratorv1.PaymentEndpoint_Card{Card: card}
+		}
 	default:
 		// leave unspecified
 	}
@@ -204,6 +248,8 @@ func protoExecutionFromModel(src *model.ExecutionRefs) *orchestratorv1.Execution
 		CreditEntryRef:   src.CreditEntryRef,
 		FxEntryRef:       src.FXEntryRef,
 		ChainTransferRef: src.ChainTransferRef,
+		CardPayoutRef:    src.CardPayoutRef,
+		FeeTransferRef:   src.FeeTransferRef,
 	}
 }
 
@@ -219,7 +265,7 @@ func modelQuoteToProto(src *model.PaymentQuoteSnapshot) *orchestratorv1.PaymentQ
 		FeeRules:                 cloneFeeRules(src.FeeRules),
 		FxQuote:                  cloneFXQuote(src.FXQuote),
 		NetworkFee:               cloneNetworkEstimate(src.NetworkFee),
-		FeeQuoteToken:            src.FeeQuoteToken,
+		QuoteRef:                 strings.TrimSpace(src.QuoteRef),
 	}
 }
 
@@ -400,6 +446,18 @@ func applyProtoPaymentToModel(src *orchestratorv1.Payment, dst *model.Payment) e
 	dst.Metadata = cloneMetadata(src.GetMetadata())
 	dst.LastQuote = quoteSnapshotToModel(src.GetLastQuote())
 	dst.Execution = executionFromProto(src.GetExecution())
+	if src.GetCardPayout() != nil {
+		dst.CardPayout = &model.CardPayout{
+			PayoutRef:         strings.TrimSpace(src.GetCardPayout().GetPayoutRef()),
+			ProviderPaymentID: strings.TrimSpace(src.GetCardPayout().GetProviderPaymentId()),
+			Status:            strings.TrimSpace(src.GetCardPayout().GetStatus()),
+			FailureReason:     strings.TrimSpace(src.GetCardPayout().GetFailureReason()),
+			CardCountry:       strings.TrimSpace(src.GetCardPayout().GetCardCountry()),
+			MaskedPan:         strings.TrimSpace(src.GetCardPayout().GetMaskedPan()),
+			ProviderCode:      strings.TrimSpace(src.GetCardPayout().GetProviderCode()),
+			GatewayReference:  strings.TrimSpace(src.GetCardPayout().GetGatewayReference()),
+		}
+	}
 	return nil
 }
 
@@ -412,6 +470,8 @@ func executionFromProto(src *orchestratorv1.ExecutionRefs) *model.ExecutionRefs
 		CreditEntryRef:   strings.TrimSpace(src.GetCreditEntryRef()),
 		FXEntryRef:       strings.TrimSpace(src.GetFxEntryRef()),
 		ChainTransferRef: strings.TrimSpace(src.GetChainTransferRef()),
+		CardPayoutRef:    strings.TrimSpace(src.GetCardPayoutRef()),
+		FeeTransferRef:   strings.TrimSpace(src.GetFeeTransferRef()),
 	}
 }
 

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

@@ -0,0 +1,69 @@
+package orchestrator
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+)
+
+func TestEndpointFromProtoCard(t *testing.T) {
+	protoEndpoint := &orchestratorv1.PaymentEndpoint{
+		Endpoint: &orchestratorv1.PaymentEndpoint_Card{
+			Card: &orchestratorv1.CardEndpoint{
+				Card:           &orchestratorv1.CardEndpoint_Pan{Pan: " 411111 "},
+				CardholderName: " Jane Doe ",
+				ExpMonth:       12,
+				ExpYear:        2030,
+				Country:        " US ",
+				MaskedPan:      " ****1111 ",
+			},
+		},
+		Metadata: map[string]string{"k": "v"},
+	}
+
+	modelEndpoint := endpointFromProto(protoEndpoint)
+	if modelEndpoint.Type != model.EndpointTypeCard {
+		t.Fatalf("expected card type, got %s", modelEndpoint.Type)
+	}
+	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" {
+		t.Fatalf("card payload not trimmed as expected: %#v", modelEndpoint.Card)
+	}
+	if modelEndpoint.Metadata["k"] != "v" {
+		t.Fatalf("metadata not preserved")
+	}
+}
+
+func TestProtoEndpointFromModelCard(t *testing.T) {
+	modelEndpoint := model.PaymentEndpoint{
+		Type: model.EndpointTypeCard,
+		Card: &model.CardEndpoint{
+			Token:      "tok_123",
+			Cardholder: "Jane",
+			ExpMonth:   1,
+			ExpYear:    2028,
+			Country:    "GB",
+			MaskedPan:  "****1234",
+		},
+		Metadata: map[string]string{"k": "v"},
+	}
+
+	protoEndpoint := protoEndpointFromModel(modelEndpoint)
+	card := protoEndpoint.GetCard()
+	if card == nil {
+		t.Fatalf("card payload missing in proto")
+	}
+	token, ok := card.Card.(*orchestratorv1.CardEndpoint_Token)
+	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" {
+		t.Fatalf("card details mismatch: %#v", card)
+	}
+	if protoEndpoint.GetMetadata()["k"] != "v" {
+		t.Fatalf("metadata not preserved in proto endpoint")
+	}
+}

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

@@ -0,0 +1,446 @@
+package orchestrator
+
+import (
+	"context"
+	"errors"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/payments/orchestrator/storage"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+type quotePaymentCommand struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func (h *quotePaymentCommand) Execute(ctx context.Context, req *orchestratorv1.QuotePaymentRequest) gsresponse.Responder[orchestratorv1.QuotePaymentResponse] {
+	if err := h.engine.EnsureRepository(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.QuotePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	orgRef, orgID, err := validateMetaAndOrgRef(req.GetMeta())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if err := requireNonNilIntent(req.GetIntent()); err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	intent := req.GetIntent()
+
+	quote, expiresAt, err := h.engine.BuildPaymentQuote(ctx, orgRef, req)
+	if err != nil {
+		return gsresponse.Auto[orchestratorv1.QuotePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	if !req.GetPreviewOnly() {
+		quotesStore, err := ensureQuotesStore(h.engine.Repository())
+		if err != nil {
+			return gsresponse.Unavailable[orchestratorv1.QuotePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quoteRef := primitive.NewObjectID().Hex()
+		quote.QuoteRef = quoteRef
+		record := &model.PaymentQuoteRecord{
+			QuoteRef:  quoteRef,
+			Intent:    intentFromProto(intent),
+			Quote:     quoteSnapshotToModel(quote),
+			ExpiresAt: expiresAt,
+		}
+		record.SetID(primitive.NewObjectID())
+		record.SetOrganizationRef(orgID)
+		if err := quotesStore.Create(ctx, record); err != nil {
+			return gsresponse.Auto[orchestratorv1.QuotePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		h.logger.Info("stored payment quote", zap.String("quote_ref", quoteRef), zap.String("org_ref", orgID.Hex()))
+	}
+
+	return gsresponse.Success(&orchestratorv1.QuotePaymentResponse{Quote: quote})
+}
+
+type quotePaymentsCommand struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func (h *quotePaymentsCommand) Execute(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) gsresponse.Responder[orchestratorv1.QuotePaymentsResponse] {
+	if err := h.engine.EnsureRepository(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	orgRef, orgID, err := validateMetaAndOrgRef(req.GetMeta())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	intents := req.GetIntents()
+	if len(intents) == 0 {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("intents are required"))
+	}
+
+	baseKey := strings.TrimSpace(req.GetIdempotencyKey())
+	quotes := make([]*orchestratorv1.PaymentQuote, 0, len(intents))
+	expires := make([]time.Time, 0, len(intents))
+	for i, intent := range intents {
+		if err := requireNonNilIntent(intent); err != nil {
+			return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quoteReq := &orchestratorv1.QuotePaymentRequest{
+			Meta:           req.GetMeta(),
+			IdempotencyKey: perIntentIdempotencyKey(baseKey, i, len(intents)),
+			Intent:         intent,
+			PreviewOnly:    req.GetPreviewOnly(),
+		}
+		quote, expiresAt, err := h.engine.BuildPaymentQuote(ctx, orgRef, quoteReq)
+		if err != nil {
+			return gsresponse.Auto[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quotes = append(quotes, quote)
+		expires = append(expires, expiresAt)
+	}
+
+	aggregate, err := aggregatePaymentQuotes(quotes)
+	if err != nil {
+		return gsresponse.Auto[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InternalWrap(err, "quote aggregation failed"))
+	}
+	expiresAt, ok := minQuoteExpiry(expires)
+	if !ok {
+		return gsresponse.Auto[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.Internal("quote expiry missing"))
+	}
+
+	quoteRef := ""
+	if !req.GetPreviewOnly() {
+		quotesStore, err := ensureQuotesStore(h.engine.Repository())
+		if err != nil {
+			return gsresponse.Unavailable[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quoteRef = primitive.NewObjectID().Hex()
+		record := &model.PaymentQuoteRecord{
+			QuoteRef:  quoteRef,
+			Intents:   intentsFromProto(intents),
+			Quotes:    quoteSnapshotsFromProto(quotes),
+			ExpiresAt: expiresAt,
+		}
+		record.SetID(primitive.NewObjectID())
+		record.SetOrganizationRef(orgID)
+		if err := quotesStore.Create(ctx, record); err != nil {
+			return gsresponse.Auto[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		h.logger.Info("stored payment quotes", zap.String("quote_ref", quoteRef), zap.String("org_ref", orgID.Hex()))
+	}
+
+	return gsresponse.Success(&orchestratorv1.QuotePaymentsResponse{
+		QuoteRef:  quoteRef,
+		Aggregate: aggregate,
+		Quotes:    quotes,
+	})
+}
+
+type initiatePaymentsCommand struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func (h *initiatePaymentsCommand) Execute(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) gsresponse.Responder[orchestratorv1.InitiatePaymentsResponse] {
+	if err := h.engine.EnsureRepository(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	_, orgID, err := validateMetaAndOrgRef(req.GetMeta())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	idempotencyKey, err := requireIdempotencyKey(req.GetIdempotencyKey())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	quoteRef := strings.TrimSpace(req.GetQuoteRef())
+	if quoteRef == "" {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("quote_ref is required"))
+	}
+
+	quotesStore, err := ensureQuotesStore(h.engine.Repository())
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	record, err := quotesStore.GetByRef(ctx, orgID, quoteRef)
+	if err != nil {
+		if errors.Is(err, storage.ErrQuoteNotFound) {
+			return gsresponse.FailedPrecondition[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, "quote_not_found", merrors.InvalidArgument("quote_ref not found or expired"))
+		}
+		return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	intents := record.Intents
+	quotes := record.Quotes
+	if len(intents) == 0 && record.Intent.Kind != "" && record.Intent.Kind != model.PaymentKindUnspecified {
+		intents = []model.PaymentIntent{record.Intent}
+	}
+	if len(quotes) == 0 && record.Quote != nil {
+		quotes = []*model.PaymentQuoteSnapshot{record.Quote}
+	}
+	if len(intents) == 0 || len(quotes) == 0 || len(intents) != len(quotes) {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("stored quote payload is incomplete"))
+	}
+
+	store, err := ensurePaymentsStore(h.engine.Repository())
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	payments := make([]*orchestratorv1.Payment, 0, len(intents))
+	for i := range intents {
+		intentProto := protoIntentFromModel(intents[i])
+		if err := requireNonNilIntent(intentProto); err != nil {
+			return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quoteProto := modelQuoteToProto(quotes[i])
+		if quoteProto == nil {
+			return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("stored quote is empty"))
+		}
+		quoteProto.QuoteRef = quoteRef
+
+		perKey := perIntentIdempotencyKey(idempotencyKey, i, len(intents))
+		if existing, err := getPaymentByIdempotencyKey(ctx, store, orgID, perKey); err == nil && existing != nil {
+			payments = append(payments, toProtoPayment(existing))
+			continue
+		} else if err != nil && !errors.Is(err, storage.ErrPaymentNotFound) {
+			return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+
+		entity := newPayment(orgID, intentProto, perKey, req.GetMetadata(), quoteProto)
+		if err = store.Create(ctx, entity); err != nil {
+			if errors.Is(err, storage.ErrDuplicatePayment) {
+				return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.DataConflict("payment already exists"))
+			}
+			return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+
+		if err := h.engine.ExecutePayment(ctx, store, entity, quoteProto); err != nil {
+			return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+
+		payments = append(payments, toProtoPayment(entity))
+	}
+
+	return gsresponse.Success(&orchestratorv1.InitiatePaymentsResponse{Payments: payments})
+}
+
+type initiatePaymentCommand struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func (h *initiatePaymentCommand) Execute(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) gsresponse.Responder[orchestratorv1.InitiatePaymentResponse] {
+	if err := h.engine.EnsureRepository(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	orgRef, orgID, err := validateMetaAndOrgRef(req.GetMeta())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	intent := req.GetIntent()
+	if err := requireNonNilIntent(intent); err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	idempotencyKey, err := requireIdempotencyKey(req.GetIdempotencyKey())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	store, err := ensurePaymentsStore(h.engine.Repository())
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	if existing, err := getPaymentByIdempotencyKey(ctx, store, orgID, idempotencyKey); err == nil && existing != nil {
+		h.logger.Debug("idempotent payment request reused", zap.String("payment_ref", existing.PaymentRef), zap.String("org_ref", orgID.Hex()))
+		return gsresponse.Success(&orchestratorv1.InitiatePaymentResponse{Payment: toProtoPayment(existing)})
+	} else if err != nil && !errors.Is(err, storage.ErrPaymentNotFound) {
+		return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	quoteSnapshot, err := h.engine.ResolvePaymentQuote(ctx, quoteResolutionInput{
+		OrgRef:         orgRef,
+		OrgID:          orgID,
+		Meta:           req.GetMeta(),
+		Intent:         intent,
+		QuoteRef:       req.GetQuoteRef(),
+		IdempotencyKey: req.GetIdempotencyKey(),
+	})
+	if err != nil {
+		if qerr, ok := err.(quoteResolutionError); ok {
+			switch qerr.code {
+			case "quote_not_found":
+				return gsresponse.FailedPrecondition[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, qerr.code, qerr.err)
+			case "quote_expired":
+				return gsresponse.FailedPrecondition[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, qerr.code, qerr.err)
+			case "quote_intent_mismatch":
+				return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, qerr.err)
+			default:
+				return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, qerr.err)
+			}
+		}
+		return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if quoteSnapshot == nil {
+		quoteSnapshot = &orchestratorv1.PaymentQuote{}
+	}
+
+	entity := newPayment(orgID, intent, idempotencyKey, req.GetMetadata(), quoteSnapshot)
+
+	if err = store.Create(ctx, entity); err != nil {
+		if errors.Is(err, storage.ErrDuplicatePayment) {
+			return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, merrors.DataConflict("payment already exists"))
+		}
+		return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	if err := h.engine.ExecutePayment(ctx, store, entity, quoteSnapshot); err != nil {
+		return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	h.logger.Info("payment initiated", zap.String("payment_ref", entity.PaymentRef), zap.String("org_ref", orgID.Hex()), zap.String("kind", intent.GetKind().String()))
+	return gsresponse.Success(&orchestratorv1.InitiatePaymentResponse{
+		Payment: toProtoPayment(entity),
+	})
+}
+
+type cancelPaymentCommand struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func (h *cancelPaymentCommand) Execute(ctx context.Context, req *orchestratorv1.CancelPaymentRequest) gsresponse.Responder[orchestratorv1.CancelPaymentResponse] {
+	if err := h.engine.EnsureRepository(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.CancelPaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.CancelPaymentResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	paymentRef, err := requirePaymentRef(req.GetPaymentRef())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.CancelPaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	store, err := ensurePaymentsStore(h.engine.Repository())
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.CancelPaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	payment, err := store.GetByPaymentRef(ctx, paymentRef)
+	if err != nil {
+		return paymentNotFoundResponder[orchestratorv1.CancelPaymentResponse](mservice.PaymentOrchestrator, h.logger, err)
+	}
+	if payment.State != model.PaymentStateAccepted {
+		reason := merrors.InvalidArgument("payment cannot be cancelled in current state")
+		return gsresponse.FailedPrecondition[orchestratorv1.CancelPaymentResponse](h.logger, mservice.PaymentOrchestrator, "payment_not_cancellable", reason)
+	}
+	payment.State = model.PaymentStateCancelled
+	payment.FailureCode = model.PaymentFailureCodePolicy
+	payment.FailureReason = strings.TrimSpace(req.GetReason())
+	if err := store.Update(ctx, payment); err != nil {
+		return gsresponse.Auto[orchestratorv1.CancelPaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	h.logger.Info("payment cancelled", zap.String("payment_ref", payment.PaymentRef), zap.String("org_ref", payment.OrganizationRef.Hex()))
+	return gsresponse.Success(&orchestratorv1.CancelPaymentResponse{Payment: toProtoPayment(payment)})
+}
+
+type initiateConversionCommand struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func (h *initiateConversionCommand) Execute(ctx context.Context, req *orchestratorv1.InitiateConversionRequest) gsresponse.Responder[orchestratorv1.InitiateConversionResponse] {
+	if err := h.engine.EnsureRepository(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	orgRef, orgID, err := validateMetaAndOrgRef(req.GetMeta())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	idempotencyKey, err := requireIdempotencyKey(req.GetIdempotencyKey())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req.GetSource() == nil || req.GetSource().GetLedger() == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("source ledger endpoint is required"))
+	}
+	if req.GetDestination() == nil || req.GetDestination().GetLedger() == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("destination ledger endpoint is required"))
+	}
+	fxIntent := req.GetFx()
+	if fxIntent == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("fx intent is required"))
+	}
+
+	store, err := ensurePaymentsStore(h.engine.Repository())
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	if existing, err := getPaymentByIdempotencyKey(ctx, store, orgID, idempotencyKey); err == nil && existing != nil {
+		h.logger.Debug("idempotent conversion request reused", zap.String("payment_ref", existing.PaymentRef), zap.String("org_ref", orgID.Hex()))
+		return gsresponse.Success(&orchestratorv1.InitiateConversionResponse{Conversion: toProtoPayment(existing)})
+	} else if err != nil && !errors.Is(err, storage.ErrPaymentNotFound) {
+		return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	amount, err := conversionAmountFromMetadata(req.GetMetadata(), fxIntent)
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	intentProto := &orchestratorv1.PaymentIntent{
+		Kind:        orchestratorv1.PaymentKind_PAYMENT_KIND_FX_CONVERSION,
+		Source:      req.GetSource(),
+		Destination: req.GetDestination(),
+		Amount:      amount,
+		RequiresFx:  true,
+		Fx:          fxIntent,
+		FeePolicy:   req.GetFeePolicy(),
+	}
+
+	quote, _, err := h.engine.BuildPaymentQuote(ctx, orgRef, &orchestratorv1.QuotePaymentRequest{
+		Meta:           req.GetMeta(),
+		IdempotencyKey: req.GetIdempotencyKey(),
+		Intent:         intentProto,
+	})
+	if err != nil {
+		return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	entity := newPayment(orgID, intentProto, idempotencyKey, req.GetMetadata(), quote)
+
+	if err = store.Create(ctx, entity); err != nil {
+		if errors.Is(err, storage.ErrDuplicatePayment) {
+			return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, merrors.DataConflict("payment already exists"))
+		}
+		return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	if err := h.engine.ExecutePayment(ctx, store, entity, quote); err != nil {
+		return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	h.logger.Info("conversion initiated", zap.String("payment_ref", entity.PaymentRef), zap.String("org_ref", orgID.Hex()))
+	return gsresponse.Success(&orchestratorv1.InitiateConversionResponse{
+		Conversion: toProtoPayment(entity),
+	})
+}

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

@@ -0,0 +1,139 @@
+package orchestrator
+
+import (
+	"context"
+	"strings"
+
+	"github.com/tech/sendico/payments/orchestrator/storage"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.uber.org/zap"
+)
+
+type paymentEventHandler struct {
+	repo       storage.Repository
+	ensureRepo func(ctx context.Context) error
+	logger     mlogger.Logger
+}
+
+func newPaymentEventHandler(repo storage.Repository, ensure func(ctx context.Context) error, logger mlogger.Logger) *paymentEventHandler {
+	return &paymentEventHandler{
+		repo:       repo,
+		ensureRepo: ensure,
+		logger:     logger,
+	}
+}
+
+func (h *paymentEventHandler) processTransferUpdate(ctx context.Context, req *orchestratorv1.ProcessTransferUpdateRequest) gsresponse.Responder[orchestratorv1.ProcessTransferUpdateResponse] {
+	if err := h.ensureRepo(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.ProcessTransferUpdateResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil || req.GetEvent() == nil || req.GetEvent().GetTransfer() == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.ProcessTransferUpdateResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("transfer event is required"))
+	}
+	transfer := req.GetEvent().GetTransfer()
+	transferRef := strings.TrimSpace(transfer.GetTransferRef())
+	if transferRef == "" {
+		return gsresponse.InvalidArgument[orchestratorv1.ProcessTransferUpdateResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("transfer_ref is required"))
+	}
+	store := h.repo.Payments()
+	if store == nil {
+		return gsresponse.Unavailable[orchestratorv1.ProcessTransferUpdateResponse](h.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
+	}
+	payment, err := store.GetByChainTransferRef(ctx, transferRef)
+	if err != nil {
+		return paymentNotFoundResponder[orchestratorv1.ProcessTransferUpdateResponse](mservice.PaymentOrchestrator, h.logger, err)
+	}
+	applyTransferStatus(req.GetEvent(), payment)
+	if err := store.Update(ctx, payment); err != nil {
+		return gsresponse.Auto[orchestratorv1.ProcessTransferUpdateResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	h.logger.Info("transfer update applied", zap.String("payment_ref", payment.PaymentRef), zap.String("transfer_ref", transferRef), zap.Any("state", payment.State))
+	return gsresponse.Success(&orchestratorv1.ProcessTransferUpdateResponse{Payment: toProtoPayment(payment)})
+}
+
+func (h *paymentEventHandler) processDepositObserved(ctx context.Context, req *orchestratorv1.ProcessDepositObservedRequest) gsresponse.Responder[orchestratorv1.ProcessDepositObservedResponse] {
+	if err := h.ensureRepo(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.ProcessDepositObservedResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil || req.GetEvent() == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.ProcessDepositObservedResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("deposit event is required"))
+	}
+	event := req.GetEvent()
+	walletRef := strings.TrimSpace(event.GetWalletRef())
+	if walletRef == "" {
+		return gsresponse.InvalidArgument[orchestratorv1.ProcessDepositObservedResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("wallet_ref is required"))
+	}
+	store := h.repo.Payments()
+	if store == nil {
+		return gsresponse.Unavailable[orchestratorv1.ProcessDepositObservedResponse](h.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
+	}
+	filter := &model.PaymentFilter{
+		States:         []model.PaymentState{model.PaymentStateSubmitted, model.PaymentStateFundsReserved},
+		DestinationRef: walletRef,
+	}
+	result, err := store.List(ctx, filter)
+	if err != nil {
+		return gsresponse.Auto[orchestratorv1.ProcessDepositObservedResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	for _, payment := range result.Items {
+		if payment.Intent.Destination.Type != model.EndpointTypeManagedWallet {
+			continue
+		}
+		if !moneyEquals(payment.Intent.Amount, event.GetAmount()) {
+			continue
+		}
+		payment.State = model.PaymentStateSettled
+		payment.FailureCode = model.PaymentFailureCodeUnspecified
+		payment.FailureReason = ""
+		if payment.Execution == nil {
+			payment.Execution = &model.ExecutionRefs{}
+		}
+		if payment.Execution.ChainTransferRef == "" {
+			payment.Execution.ChainTransferRef = strings.TrimSpace(event.GetTransactionHash())
+		}
+		if err := store.Update(ctx, payment); err != nil {
+			return gsresponse.Auto[orchestratorv1.ProcessDepositObservedResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		h.logger.Info("deposit observed matched payment", zap.String("payment_ref", payment.PaymentRef), zap.String("wallet_ref", walletRef))
+		return gsresponse.Success(&orchestratorv1.ProcessDepositObservedResponse{Payment: toProtoPayment(payment)})
+	}
+	return gsresponse.Success(&orchestratorv1.ProcessDepositObservedResponse{})
+}
+
+func (h *paymentEventHandler) processCardPayoutUpdate(ctx context.Context, req *orchestratorv1.ProcessCardPayoutUpdateRequest) gsresponse.Responder[orchestratorv1.ProcessCardPayoutUpdateResponse] {
+	if err := h.ensureRepo(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.ProcessCardPayoutUpdateResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil || req.GetEvent() == nil || req.GetEvent().GetPayout() == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.ProcessCardPayoutUpdateResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("event is required"))
+	}
+	payout := req.GetEvent().GetPayout()
+	paymentRef := strings.TrimSpace(payout.GetPayoutId())
+	if paymentRef == "" {
+		return gsresponse.InvalidArgument[orchestratorv1.ProcessCardPayoutUpdateResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("payout_id is required"))
+	}
+
+	store := h.repo.Payments()
+	if store == nil {
+		return gsresponse.Unavailable[orchestratorv1.ProcessCardPayoutUpdateResponse](h.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
+	}
+	payment, err := store.GetByPaymentRef(ctx, paymentRef)
+	if err != nil {
+		return paymentNotFoundResponder[orchestratorv1.ProcessCardPayoutUpdateResponse](mservice.PaymentOrchestrator, h.logger, err)
+	}
+
+	applyCardPayoutUpdate(payment, payout)
+	if err := store.Update(ctx, payment); err != nil {
+		return gsresponse.Auto[orchestratorv1.ProcessCardPayoutUpdateResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	h.logger.Info("card payout update applied", zap.String("payment_ref", payment.PaymentRef), zap.String("payout_id", paymentRef), zap.Any("state", payment.State))
+	return gsresponse.Success(&orchestratorv1.ProcessCardPayoutUpdateResponse{
+		Payment: toProtoPayment(payment),
+	})
+}

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

@@ -0,0 +1,80 @@
+package orchestrator
+
+import (
+	"context"
+
+	"github.com/tech/sendico/payments/orchestrator/storage"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	paginationv1 "github.com/tech/sendico/pkg/proto/common/pagination/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.uber.org/zap"
+)
+
+type paymentQueryHandler struct {
+	repo       storage.Repository
+	ensureRepo func(ctx context.Context) error
+	logger     mlogger.Logger
+}
+
+func newPaymentQueryHandler(repo storage.Repository, ensure func(ctx context.Context) error, logger mlogger.Logger) *paymentQueryHandler {
+	return &paymentQueryHandler{
+		repo:       repo,
+		ensureRepo: ensure,
+		logger:     logger,
+	}
+}
+
+func (h *paymentQueryHandler) getPayment(ctx context.Context, req *orchestratorv1.GetPaymentRequest) gsresponse.Responder[orchestratorv1.GetPaymentResponse] {
+	if err := h.ensureRepo(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.GetPaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.GetPaymentResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	paymentRef, err := requirePaymentRef(req.GetPaymentRef())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.GetPaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	store, err := ensurePaymentsStore(h.repo)
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.GetPaymentResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	entity, err := store.GetByPaymentRef(ctx, paymentRef)
+	if err != nil {
+		return paymentNotFoundResponder[orchestratorv1.GetPaymentResponse](mservice.PaymentOrchestrator, h.logger, err)
+	}
+	h.logger.Debug("payment fetched", zap.String("payment_ref", paymentRef))
+	return gsresponse.Success(&orchestratorv1.GetPaymentResponse{Payment: toProtoPayment(entity)})
+}
+
+func (h *paymentQueryHandler) listPayments(ctx context.Context, req *orchestratorv1.ListPaymentsRequest) gsresponse.Responder[orchestratorv1.ListPaymentsResponse] {
+	if err := h.ensureRepo(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.ListPaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.ListPaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	store, err := ensurePaymentsStore(h.repo)
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.ListPaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	filter := filterFromProto(req)
+	result, err := store.List(ctx, filter)
+	if err != nil {
+		return gsresponse.Auto[orchestratorv1.ListPaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	resp := &orchestratorv1.ListPaymentsResponse{
+		Page: &paginationv1.CursorPageResponse{
+			NextCursor: result.NextCursor,
+		},
+	}
+	resp.Payments = make([]*orchestratorv1.Payment, 0, len(result.Items))
+	for _, item := range result.Items {
+		resp.Payments = append(resp.Payments, toProtoPayment(item))
+	}
+	h.logger.Debug("payments listed", zap.Int("count", len(resp.Payments)), zap.String("next_cursor", resp.GetPage().GetNextCursor()))
+	return gsresponse.Success(resp)
+}

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

@@ -2,6 +2,7 @@ package orchestrator
 
 import (
 	"strings"
+	"time"
 
 	"github.com/shopspring/decimal"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
@@ -13,6 +14,7 @@ import (
 
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
 	accountingv1 "github.com/tech/sendico/pkg/proto/common/accounting/v1"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 )
@@ -108,30 +110,101 @@ func extractFeeTotal(lines []*feesv1.DerivedPostingLine, currency string) *money
 	}
 }
 
-func computeAggregates(base, fee *moneyv1.Money, network *chainv1.EstimateTransferFeeResponse) (*moneyv1.Money, *moneyv1.Money) {
+func resolveTradeAmounts(intentAmount *moneyv1.Money, fxQuote *oraclev1.Quote, side fxv1.Side) (*moneyv1.Money, *moneyv1.Money) {
-	if base == nil {
+	if fxQuote == nil {
+		return cloneMoney(intentAmount), cloneMoney(intentAmount)
+	}
+	qSide := fxQuote.GetSide()
+	if qSide == fxv1.Side_SIDE_UNSPECIFIED {
+		qSide = side
+	}
+
+	switch qSide {
+	case fxv1.Side_BUY_BASE_SELL_QUOTE:
+		pay := cloneMoney(fxQuote.GetQuoteAmount())
+		settle := cloneMoney(fxQuote.GetBaseAmount())
+		if pay == nil {
+			pay = cloneMoney(intentAmount)
+		}
+		if settle == nil {
+			settle = cloneMoney(intentAmount)
+		}
+		return pay, settle
+	case fxv1.Side_SELL_BASE_BUY_QUOTE:
+		pay := cloneMoney(fxQuote.GetBaseAmount())
+		settle := cloneMoney(fxQuote.GetQuoteAmount())
+		if pay == nil {
+			pay = cloneMoney(intentAmount)
+		}
+		if settle == nil {
+			settle = cloneMoney(intentAmount)
+		}
+		return pay, settle
+	default:
+		return cloneMoney(intentAmount), cloneMoney(intentAmount)
+	}
+}
+
+func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.EstimateTransferFeeResponse, fxQuote *oraclev1.Quote, mode orchestratorv1.SettlementMode) (*moneyv1.Money, *moneyv1.Money) {
+	if pay == nil {
 		return nil, nil
 	}
-	baseDecimal, err := decimalFromMoney(base)
+	debitDecimal, err := decimalFromMoney(pay)
 	if err != nil {
-		return cloneMoney(base), cloneMoney(base)
+		return cloneMoney(pay), cloneMoney(settlement)
-	}
-	debit := baseDecimal
-	settlement := baseDecimal
-
-	if feeDecimal, err := decimalFromMoneyMatching(base, fee); err == nil && feeDecimal != nil {
-		debit = debit.Add(*feeDecimal)
-		settlement = settlement.Sub(*feeDecimal)
 	}
 
-	if network != nil && network.GetNetworkFee() != nil {
+	settlementCurrency := pay.GetCurrency()
-		if networkDecimal, err := decimalFromMoneyMatching(base, network.GetNetworkFee()); err == nil && networkDecimal != nil {
+	if settlement != nil && strings.TrimSpace(settlement.GetCurrency()) != "" {
-			debit = debit.Add(*networkDecimal)
+		settlementCurrency = settlement.GetCurrency()
-			settlement = settlement.Sub(*networkDecimal)
+	}
+
+	settlementDecimal := debitDecimal
+	if settlement != nil {
+		if val, err := decimalFromMoney(settlement); err == nil {
+			settlementDecimal = val
 		}
 	}
 
-	return makeMoney(base.GetCurrency(), debit), makeMoney(base.GetCurrency(), settlement)
+	applyChargeToDebit := func(m *moneyv1.Money) {
+		converted, err := ensureCurrency(m, pay.GetCurrency(), fxQuote)
+		if err != nil || converted == nil {
+			return
+		}
+		if val, err := decimalFromMoney(converted); err == nil {
+			debitDecimal = debitDecimal.Add(val)
+		}
+	}
+
+	applyChargeToSettlement := func(m *moneyv1.Money) {
+		converted, err := ensureCurrency(m, settlementCurrency, fxQuote)
+		if err != nil || converted == nil {
+			return
+		}
+		if val, err := decimalFromMoney(converted); err == nil {
+			settlementDecimal = settlementDecimal.Sub(val)
+		}
+	}
+
+	switch mode {
+	case orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED:
+		// Sender pays the fee: keep settlement fixed, increase debit.
+		applyChargeToDebit(fee)
+	default:
+		// Recipient pays the fee (default): reduce settlement, keep debit fixed.
+		applyChargeToSettlement(fee)
+	}
+
+	if network != nil && network.GetNetworkFee() != nil {
+		switch mode {
+		case orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED:
+			applyChargeToDebit(network.GetNetworkFee())
+		default:
+			applyChargeToSettlement(network.GetNetworkFee())
+		}
+	}
+
+	return makeMoney(pay.GetCurrency(), debitDecimal), makeMoney(settlementCurrency, settlementDecimal)
 }
 
 func decimalFromMoney(m *moneyv1.Money) (decimal.Decimal, error) {
@@ -162,6 +235,46 @@ func makeMoney(currency string, value decimal.Decimal) *moneyv1.Money {
 	}
 }
 
+func ensureCurrency(m *moneyv1.Money, targetCurrency string, quote *oraclev1.Quote) (*moneyv1.Money, error) {
+	if m == nil || strings.TrimSpace(targetCurrency) == "" {
+		return nil, nil
+	}
+	if strings.EqualFold(m.GetCurrency(), targetCurrency) {
+		return cloneMoney(m), nil
+	}
+	return convertWithQuote(m, quote, targetCurrency)
+}
+
+func convertWithQuote(m *moneyv1.Money, quote *oraclev1.Quote, targetCurrency string) (*moneyv1.Money, error) {
+	if m == nil || quote == nil || quote.GetPair() == nil || quote.GetPrice() == nil {
+		return nil, nil
+	}
+
+	base := strings.TrimSpace(quote.GetPair().GetBase())
+	qt := strings.TrimSpace(quote.GetPair().GetQuote())
+	if base == "" || qt == "" || strings.TrimSpace(targetCurrency) == "" {
+		return nil, nil
+	}
+
+	price, err := decimal.NewFromString(quote.GetPrice().GetValue())
+	if err != nil || price.IsZero() {
+		return nil, err
+	}
+	value, err := decimalFromMoney(m)
+	if err != nil {
+		return nil, err
+	}
+
+	switch {
+	case strings.EqualFold(m.GetCurrency(), base) && strings.EqualFold(targetCurrency, qt):
+		return makeMoney(targetCurrency, value.Mul(price)), nil
+	case strings.EqualFold(m.GetCurrency(), qt) && strings.EqualFold(targetCurrency, base):
+		return makeMoney(targetCurrency, value.Div(price)), nil
+	default:
+		return nil, nil
+	}
+}
+
 func quoteToProto(src *oracleclient.Quote) *oraclev1.Quote {
 	if src == nil {
 		return nil
@@ -219,6 +332,23 @@ func ledgerLineTypeFromAccounting(lineType accountingv1.PostingLineType) ledgerv
 	}
 }
 
+func quoteExpiry(now time.Time, feeQuote *feesv1.PrecomputeFeesResponse, fxQuote *oraclev1.Quote) time.Time {
+	expiry := time.Time{}
+	if feeQuote != nil && feeQuote.GetExpiresAt() != nil {
+		expiry = feeQuote.GetExpiresAt().AsTime()
+	}
+	if expiry.IsZero() {
+		expiry = now.Add(time.Duration(defaultFeeQuoteTTLMillis) * time.Millisecond)
+	}
+	if fxQuote != nil && fxQuote.GetExpiresAtUnixMs() > 0 {
+		fxExpiry := time.UnixMilli(fxQuote.GetExpiresAtUnixMs()).UTC()
+		if fxExpiry.Before(expiry) {
+			expiry = fxExpiry
+		}
+	}
+	return expiry
+}
+
 func feeBreakdownFromQuote(quote *orchestratorv1.PaymentQuote) []*chainv1.ServiceFeeBreakdown {
 	if quote == nil {
 		return nil
@@ -263,6 +393,22 @@ func feeBreakdownFromQuote(quote *orchestratorv1.PaymentQuote) []*chainv1.Servic
 	return breakdown
 }
 
+func assignLedgerAccounts(lines []*feesv1.DerivedPostingLine, account string) []*feesv1.DerivedPostingLine {
+	if account == "" || len(lines) == 0 {
+		return lines
+	}
+	for _, line := range lines {
+		if line == nil {
+			continue
+		}
+		if strings.TrimSpace(line.GetLedgerAccountRef()) != "" {
+			continue
+		}
+		line.LedgerAccountRef = account
+	}
+	return lines
+}
+
 func moneyEquals(a, b *moneyv1.Money) bool {
 	if a == nil || b == nil {
 		return false

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

@@ -0,0 +1,79 @@
+package orchestrator
+
+import (
+	"testing"
+
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+)
+
+func TestResolveTradeAmountsBuyBase(t *testing.T) {
+	fxQuote := &oraclev1.Quote{
+		Side: fxv1.Side_BUY_BASE_SELL_QUOTE,
+		Pair: &fxv1.CurrencyPair{Base: "EUR", Quote: "USD"},
+		BaseAmount: &moneyv1.Money{
+			Currency: "EUR",
+			Amount:   "100",
+		},
+		QuoteAmount: &moneyv1.Money{
+			Currency: "USD",
+			Amount:   "110",
+		},
+	}
+
+	pay, settle := resolveTradeAmounts(nil, fxQuote, fxv1.Side_SIDE_UNSPECIFIED)
+	if pay.GetCurrency() != "USD" || pay.GetAmount() != "110" {
+		t.Fatalf("expected pay amount in USD 110, got %s %s", pay.GetCurrency(), pay.GetAmount())
+	}
+	if settle.GetCurrency() != "EUR" || settle.GetAmount() != "100" {
+		t.Fatalf("expected settlement in EUR 100, got %s %s", settle.GetCurrency(), settle.GetAmount())
+	}
+}
+
+func TestComputeAggregatesConvertsCurrencies(t *testing.T) {
+	pay := &moneyv1.Money{Currency: "USD", Amount: "100"}
+	settle := &moneyv1.Money{Currency: "EUR", Amount: "50"}
+	fee := &moneyv1.Money{Currency: "USD", Amount: "10"}
+	network := &chainv1.EstimateTransferFeeResponse{
+		NetworkFee: &moneyv1.Money{Currency: "USD", Amount: "5"},
+	}
+	fxQuote := &oraclev1.Quote{
+		Pair: &fxv1.CurrencyPair{Base: "EUR", Quote: "USD"},
+		Side: fxv1.Side_BUY_BASE_SELL_QUOTE,
+		Price: &moneyv1.Decimal{
+			Value: "2",
+		},
+	}
+
+	debit, settlement := computeAggregates(pay, settle, fee, network, fxQuote, orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED)
+	if debit.GetCurrency() != "USD" || debit.GetAmount() != "115" {
+		t.Fatalf("expected debit 115 USD, got %s %s", debit.GetCurrency(), debit.GetAmount())
+	}
+	if settlement.GetCurrency() != "EUR" || settlement.GetAmount() != "50" {
+		t.Fatalf("expected settlement 50 EUR, got %s %s", settlement.GetCurrency(), settlement.GetAmount())
+	}
+}
+
+func TestComputeAggregatesRecipientPaysFee(t *testing.T) {
+	pay := &moneyv1.Money{Currency: "USDT", Amount: "100"}
+	settle := &moneyv1.Money{Currency: "RUB", Amount: "7932"} // 100 * 79.32
+	fee := &moneyv1.Money{Currency: "USDT", Amount: "7"}      // 7% of 100
+	fxQuote := &oraclev1.Quote{
+		Pair: &fxv1.CurrencyPair{Base: "USDT", Quote: "RUB"},
+		Side: fxv1.Side_SELL_BASE_BUY_QUOTE,
+		Price: &moneyv1.Decimal{
+			Value: "79.32",
+		},
+	}
+
+	debit, settlement := computeAggregates(pay, settle, fee, nil, fxQuote, orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_SOURCE)
+	if debit.GetCurrency() != "USDT" || debit.GetAmount() != "100" {
+		t.Fatalf("expected debit 100 USDT, got %s %s", debit.GetCurrency(), debit.GetAmount())
+	}
+	if settlement.GetCurrency() != "RUB" || settlement.GetAmount() != "7376.76" {
+		t.Fatalf("expected settlement 7376.76 RUB, got %s %s", settlement.GetCurrency(), settlement.GetAmount())
+	}
+}

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

@@ -4,9 +4,11 @@ import (
 	"context"
 	"time"
 
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
 	"github.com/tech/sendico/pkg/api/routers/gsresponse"
 	"github.com/tech/sendico/pkg/mservice"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
 	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 )
 
@@ -51,10 +53,17 @@ func shouldEstimateNetworkFee(intent *orchestratorv1.PaymentIntent) bool {
 	if intent == nil {
 		return false
 	}
+	dest := intent.GetDestination()
+	if dest == nil {
+		return false
+	}
+	if dest.GetCard() != nil {
+		return false
+	}
 	if intent.GetKind() == orchestratorv1.PaymentKind_PAYMENT_KIND_PAYOUT {
 		return true
 	}
-	if intent.GetDestination().GetManagedWallet() != nil || intent.GetDestination().GetExternalChain() != nil {
+	if dest.GetManagedWallet() != nil || dest.GetExternalChain() != nil {
 		return true
 	}
 	return false
@@ -69,3 +78,16 @@ func shouldRequestFX(intent *orchestratorv1.PaymentIntent) bool {
 	}
 	return intent.GetFx() != nil && intent.GetFx().GetPair() != nil
 }
+
+func mapMntxStatusToState(status mntxv1.PayoutStatus) model.PaymentState {
+	switch status {
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED:
+		return model.PaymentStateSettled
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED:
+		return model.PaymentStateFailed
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING:
+		return model.PaymentStateSubmitted
+	default:
+		return model.PaymentStateUnspecified
+	}
+}

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

@@ -0,0 +1,51 @@
+package orchestrator
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+)
+
+func TestShouldEstimateNetworkFeeSkipsCard(t *testing.T) {
+	intent := &orchestratorv1.PaymentIntent{
+		Kind: orchestratorv1.PaymentKind_PAYMENT_KIND_PAYOUT,
+		Destination: &orchestratorv1.PaymentEndpoint{
+			Endpoint: &orchestratorv1.PaymentEndpoint_Card{
+				Card: &orchestratorv1.CardEndpoint{},
+			},
+		},
+	}
+	if shouldEstimateNetworkFee(intent) {
+		t.Fatalf("expected network fee estimation to be skipped for card payouts")
+	}
+}
+
+func TestShouldEstimateNetworkFeeManagedWallet(t *testing.T) {
+	intent := &orchestratorv1.PaymentIntent{
+		Destination: &orchestratorv1.PaymentEndpoint{
+			Endpoint: &orchestratorv1.PaymentEndpoint_ManagedWallet{
+				ManagedWallet: &orchestratorv1.ManagedWalletEndpoint{ManagedWalletRef: "mw"},
+			},
+		},
+	}
+	if !shouldEstimateNetworkFee(intent) {
+		t.Fatalf("expected network fee estimation when destination is managed wallet")
+	}
+}
+
+func TestMapMntxStatusToState(t *testing.T) {
+	if mapMntxStatusToState(mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED) != model.PaymentStateSettled {
+		t.Fatalf("processed should map to settled")
+	}
+	if mapMntxStatusToState(mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED) != model.PaymentStateFailed {
+		t.Fatalf("failed should map to failed")
+	}
+	if mapMntxStatusToState(mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING) != model.PaymentStateSubmitted {
+		t.Fatalf("pending should map to submitted")
+	}
+	if mapMntxStatusToState(mntxv1.PayoutStatus_PAYOUT_STATUS_UNSPECIFIED) != model.PaymentStateUnspecified {
+		t.Fatalf("unspecified should map to unspecified")
+	}
+}

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

@@ -1,10 +1,12 @@
 package orchestrator
 
 import (
+	"strings"
 	"time"
 
-	chainclient "github.com/tech/sendico/gateway/chain/client"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
+	chainclient "github.com/tech/sendico/gateway/chain/client"
+	mntxclient "github.com/tech/sendico/gateway/mntx/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
 	clockpkg "github.com/tech/sendico/pkg/clock"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
@@ -46,10 +48,24 @@ func (o oracleDependency) available() bool {
 	return o.client != nil
 }
 
+type mntxDependency struct {
+	client mntxclient.Client
+}
+
+func (m mntxDependency) available() bool {
+	return m.client != nil
+}
+
+// CardGatewayRoute maps a gateway to its funding and fee destinations (addresses).
+type CardGatewayRoute struct {
+	FundingAddress string
+	FeeAddress     string
+}
+
 // WithFeeEngine wires the fee engine client.
 func WithFeeEngine(client feesv1.FeeEngineClient, timeout time.Duration) Option {
 	return func(s *Service) {
-		s.fees = feesDependency{
+		s.deps.fees = feesDependency{
 			client:  client,
 			timeout: timeout,
 		}
@@ -59,21 +75,59 @@ func WithFeeEngine(client feesv1.FeeEngineClient, timeout time.Duration) Option
 // WithLedgerClient wires the ledger client.
 func WithLedgerClient(client ledgerclient.Client) Option {
 	return func(s *Service) {
-		s.ledger = ledgerDependency{client: client}
+		s.deps.ledger = ledgerDependency{client: client}
 	}
 }
 
 // WithChainGatewayClient wires the chain gateway client.
 func WithChainGatewayClient(client chainclient.Client) Option {
 	return func(s *Service) {
-		s.gateway = gatewayDependency{client: client}
+		s.deps.gateway = gatewayDependency{client: client}
 	}
 }
 
 // WithOracleClient wires the FX oracle client.
 func WithOracleClient(client oracleclient.Client) Option {
 	return func(s *Service) {
-		s.oracle = oracleDependency{client: client}
+		s.deps.oracle = oracleDependency{client: client}
+	}
+}
+
+// WithMntxGateway wires the Monetix gateway client.
+func WithMntxGateway(client mntxclient.Client) Option {
+	return func(s *Service) {
+		s.deps.mntx = mntxDependency{client: client}
+	}
+}
+
+// WithCardGatewayRoutes configures funding/fee wallet routing per gateway.
+func WithCardGatewayRoutes(routes map[string]CardGatewayRoute) Option {
+	return func(s *Service) {
+		if len(routes) == 0 {
+			return
+		}
+		s.deps.cardRoutes = make(map[string]CardGatewayRoute, len(routes))
+		for k, v := range routes {
+			s.deps.cardRoutes[strings.ToLower(strings.TrimSpace(k))] = v
+		}
+	}
+}
+
+// WithFeeLedgerAccounts maps gateway identifiers to ledger accounts used for fees.
+func WithFeeLedgerAccounts(routes map[string]string) Option {
+	return func(s *Service) {
+		if len(routes) == 0 {
+			return
+		}
+		s.deps.feeLedgerAccounts = make(map[string]string, len(routes))
+		for k, v := range routes {
+			key := strings.ToLower(strings.TrimSpace(k))
+			val := strings.TrimSpace(v)
+			if key == "" || val == "" {
+				continue
+			}
+			s.deps.feeLedgerAccounts[key] = val
+		}
 	}
 }
 

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

@@ -3,175 +3,30 @@ package orchestrator
 import (
 	"context"
 	"strings"
-	"time"
 
-	oracleclient "github.com/tech/sendico/fx/oracle/client"
 	"github.com/tech/sendico/payments/orchestrator/storage"
 	"github.com/tech/sendico/payments/orchestrator/storage/model"
 	"github.com/tech/sendico/pkg/merrors"
-	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	"github.com/tech/sendico/pkg/mlogger"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
-	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 	"go.uber.org/zap"
-	"google.golang.org/protobuf/types/known/timestamppb"
 )
 
-func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.PaymentQuote, error) {
+type paymentExecutor struct {
-	intent := req.GetIntent()
+	deps   *serviceDependencies
-	amount := intent.GetAmount()
+	logger mlogger.Logger
-	baseAmount := cloneMoney(amount)
+	svc    *Service
-	feeQuote, err := s.quoteFees(ctx, orgRef, req)
-	if err != nil {
-		return nil, err
-	}
-	feeTotal := extractFeeTotal(feeQuote.GetLines(), amount.GetCurrency())
-
-	var networkFee *chainv1.EstimateTransferFeeResponse
-	if shouldEstimateNetworkFee(intent) {
-		networkFee, err = s.estimateNetworkFee(ctx, intent)
-		if err != nil {
-			return nil, err
-		}
-	}
-
-	var fxQuote *oraclev1.Quote
-	if shouldRequestFX(intent) {
-		fxQuote, err = s.requestFXQuote(ctx, orgRef, req)
-		if err != nil {
-			return nil, err
-		}
-	}
-
-	debitAmount, settlementAmount := computeAggregates(baseAmount, feeTotal, networkFee)
-
-	return &orchestratorv1.PaymentQuote{
-		DebitAmount:              debitAmount,
-		ExpectedSettlementAmount: settlementAmount,
-		ExpectedFeeTotal:         feeTotal,
-		FeeLines:                 cloneFeeLines(feeQuote.GetLines()),
-		FeeRules:                 cloneFeeRules(feeQuote.GetApplied()),
-		FxQuote:                  fxQuote,
-		NetworkFee:               networkFee,
-		FeeQuoteToken:            feeQuote.GetFeeQuoteToken(),
-	}, nil
 }
 
-func (s *Service) quoteFees(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*feesv1.PrecomputeFeesResponse, error) {
+func newPaymentExecutor(deps *serviceDependencies, logger mlogger.Logger, svc *Service) *paymentExecutor {
-	if !s.fees.available() {
+	return &paymentExecutor{deps: deps, logger: logger, svc: svc}
-		return &feesv1.PrecomputeFeesResponse{}, nil
-	}
-	intent := req.GetIntent()
-	feeIntent := &feesv1.Intent{
-		Trigger:    triggerFromKind(intent.GetKind(), intent.GetRequiresFx()),
-		BaseAmount: cloneMoney(intent.GetAmount()),
-		BookedAt:   timestamppb.New(s.clock.Now()),
-		OriginType: "payments.orchestrator.quote",
-		OriginRef:  strings.TrimSpace(req.GetIdempotencyKey()),
-		Attributes: cloneMetadata(intent.GetAttributes()),
-	}
-	timeout := req.GetMeta().GetTrace()
-	ctxTimeout, cancel := s.withTimeout(ctx, s.fees.timeout)
-	defer cancel()
-	resp, err := s.fees.client.PrecomputeFees(ctxTimeout, &feesv1.PrecomputeFeesRequest{
-		Meta: &feesv1.RequestMeta{
-			OrganizationRef: orgRef,
-			Trace:           timeout,
-		},
-		Intent: feeIntent,
-		TtlMs:  defaultFeeQuoteTTLMillis,
-	})
-	if err != nil {
-		s.logger.Error("fees precompute failed", zap.Error(err))
-		return nil, merrors.Internal("fees_precompute_failed")
-	}
-	return resp, nil
 }
 
-func (s *Service) estimateNetworkFee(ctx context.Context, intent *orchestratorv1.PaymentIntent) (*chainv1.EstimateTransferFeeResponse, error) {
+func (p *paymentExecutor) executePayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, quote *orchestratorv1.PaymentQuote) error {
-	if !s.gateway.available() {
-		return nil, nil
-	}
-
-	req := &chainv1.EstimateTransferFeeRequest{
-		Amount: cloneMoney(intent.GetAmount()),
-	}
-	if src := intent.GetSource().GetManagedWallet(); src != nil {
-		req.SourceWalletRef = strings.TrimSpace(src.GetManagedWalletRef())
-	}
-	if dst := intent.GetDestination().GetManagedWallet(); dst != nil {
-		req.Destination = &chainv1.TransferDestination{
-			Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: strings.TrimSpace(dst.GetManagedWalletRef())},
-		}
-	}
-	if dst := intent.GetDestination().GetExternalChain(); dst != nil {
-		req.Destination = &chainv1.TransferDestination{
-			Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(dst.GetAddress())},
-			Memo:        strings.TrimSpace(dst.GetMemo()),
-		}
-		req.Asset = dst.GetAsset()
-	}
-	if req.Asset == nil {
-		if src := intent.GetSource().GetManagedWallet(); src != nil {
-			req.Asset = src.GetAsset()
-		}
-	}
-
-	resp, err := s.gateway.client.EstimateTransferFee(ctx, req)
-	if err != nil {
-		s.logger.Error("chain gateway fee estimation failed", zap.Error(err))
-		return nil, merrors.Internal("chain_gateway_fee_estimation_failed")
-	}
-	return resp, nil
-}
-
-func (s *Service) requestFXQuote(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*oraclev1.Quote, error) {
-	if !s.oracle.available() {
-		return nil, nil
-	}
-	intent := req.GetIntent()
-	meta := req.GetMeta()
-	fxIntent := intent.GetFx()
-	if fxIntent == nil {
-		return nil, nil
-	}
-
-	ttl := fxIntent.GetTtlMs()
-	if ttl <= 0 {
-		ttl = defaultOracleTTLMillis
-	}
-
-	params := oracleclient.GetQuoteParams{
-		Meta: oracleclient.RequestMeta{
-			OrganizationRef: orgRef,
-			Trace:           meta.GetTrace(),
-		},
-		Pair:              fxIntent.GetPair(),
-		Side:              fxIntent.GetSide(),
-		Firm:              fxIntent.GetFirm(),
-		TTL:               time.Duration(ttl) * time.Millisecond,
-		PreferredProvider: strings.TrimSpace(fxIntent.GetPreferredProvider()),
-	}
-
-	if fxIntent.GetMaxAgeMs() > 0 {
-		params.MaxAge = time.Duration(fxIntent.GetMaxAgeMs()) * time.Millisecond
-	}
-
-	if amount := intent.GetAmount(); amount != nil {
-		params.BaseAmount = cloneMoney(amount)
-	}
-
-	quote, err := s.oracle.client.GetQuote(ctx, params)
-	if err != nil {
-		s.logger.Error("fx oracle quote failed", zap.Error(err))
-		return nil, merrors.Internal("fx_quote_failed")
-	}
-	return quoteToProto(quote), nil
-}
-
-func (s *Service) executePayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, quote *orchestratorv1.PaymentQuote) error {
 	if store == nil {
 		return errStorageUnavailable
 	}
@@ -179,6 +34,7 @@ func (s *Service) executePayment(ctx context.Context, store storage.PaymentsStor
 	charges := ledgerChargesFromFeeLines(quote.GetFeeLines())
 	ledgerNeeded := requiresLedger(payment)
 	chainNeeded := requiresChain(payment)
+	cardNeeded := payment.Intent.Destination.Type == model.EndpointTypeCard
 
 	exec := payment.Execution
 	if exec == nil {
@@ -186,25 +42,26 @@ func (s *Service) executePayment(ctx context.Context, store storage.PaymentsStor
 	}
 
 	if ledgerNeeded {
-		if !s.ledger.available() {
+		if !p.deps.ledger.available() {
-			return s.failPayment(ctx, store, payment, model.PaymentFailureCodeLedger, "ledger_client_unavailable", merrors.Internal("ledger_client_unavailable"))
+			return p.failPayment(ctx, store, payment, model.PaymentFailureCodeLedger, "ledger_client_unavailable", merrors.Internal("ledger_client_unavailable"))
 		}
-		if err := s.performLedgerOperation(ctx, payment, quote, charges); err != nil {
+		if err := p.performLedgerOperation(ctx, payment, quote, charges); err != nil {
-			return s.failPayment(ctx, store, payment, model.PaymentFailureCodeLedger, strings.TrimSpace(err.Error()), err)
+			return p.failPayment(ctx, store, payment, model.PaymentFailureCodeLedger, strings.TrimSpace(err.Error()), err)
 		}
 		payment.State = model.PaymentStateFundsReserved
-		if err := s.persistPayment(ctx, store, payment); err != nil {
+		if err := p.persistPayment(ctx, store, payment); err != nil {
 			return err
 		}
+		p.logger.Info("ledger reservation completed", zap.String("payment_ref", payment.PaymentRef))
 	}
 
 	if chainNeeded {
-		if !s.gateway.available() {
+		if !p.deps.gateway.available() {
-			return s.failPayment(ctx, store, payment, model.PaymentFailureCodeChain, "chain_client_unavailable", merrors.Internal("chain_client_unavailable"))
+			return p.failPayment(ctx, store, payment, model.PaymentFailureCodeChain, "chain_client_unavailable", merrors.Internal("chain_client_unavailable"))
 		}
-		resp, err := s.submitChainTransfer(ctx, payment, quote)
+		resp, err := p.submitChainTransfer(ctx, payment, quote)
 		if err != nil {
-			return s.failPayment(ctx, store, payment, model.PaymentFailureCodeChain, strings.TrimSpace(err.Error()), err)
+			return p.failPayment(ctx, store, payment, model.PaymentFailureCodeChain, strings.TrimSpace(err.Error()), err)
 		}
 		exec = payment.Execution
 		if exec == nil {
@@ -215,17 +72,42 @@ func (s *Service) executePayment(ctx context.Context, store storage.PaymentsStor
 		}
 		payment.Execution = exec
 		payment.State = model.PaymentStateSubmitted
-		if err := s.persistPayment(ctx, store, payment); err != nil {
+		if err := p.persistPayment(ctx, store, payment); err != nil {
 			return err
 		}
+		p.logger.Info("chain transfer submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("transfer_ref", exec.ChainTransferRef))
+		if !cardNeeded {
+			return nil
+		}
+	}
+
+	if cardNeeded {
+		if !p.deps.mntx.available() {
+			return p.failPayment(ctx, store, payment, model.PaymentFailureCodePolicy, "card_gateway_unavailable", merrors.Internal("card_gateway_unavailable"))
+		}
+		if err := p.svc.submitCardFundingTransfers(ctx, payment, quote); err != nil {
+			return p.failPayment(ctx, store, payment, model.PaymentFailureCodeChain, strings.TrimSpace(err.Error()), err)
+		}
+		if err := p.svc.submitCardPayout(ctx, payment); err != nil {
+			return p.failPayment(ctx, store, payment, model.PaymentFailureCodePolicy, strings.TrimSpace(err.Error()), err)
+		}
+		payment.State = model.PaymentStateSubmitted
+		if err := p.persistPayment(ctx, store, payment); err != nil {
+			return err
+		}
+		p.logger.Info("card payout submitted", zap.String("payment_ref", payment.PaymentRef), zap.String("card_payout_ref", payment.Execution.CardPayoutRef))
 		return nil
 	}
 
 	payment.State = model.PaymentStateSettled
-	return s.persistPayment(ctx, store, payment)
+	if err := p.persistPayment(ctx, store, payment); err != nil {
+		return err
+	}
+	p.logger.Info("payment settled without chain", zap.String("payment_ref", payment.PaymentRef))
+	return nil
 }
 
-func (s *Service) performLedgerOperation(ctx context.Context, payment *model.Payment, quote *orchestratorv1.PaymentQuote, charges []*ledgerv1.PostingLine) error {
+func (p *paymentExecutor) performLedgerOperation(ctx context.Context, payment *model.Payment, quote *orchestratorv1.PaymentQuote, charges []*ledgerv1.PostingLine) error {
 	intent := payment.Intent
 	if payment.OrganizationRef == primitive.NilObjectID {
 		return merrors.InvalidArgument("ledger: organization_ref is required")
@@ -245,7 +127,7 @@ func (s *Service) performLedgerOperation(ctx context.Context, payment *model.Pay
 
 	switch intent.Kind {
 	case model.PaymentKindFXConversion:
-		if err := s.applyFX(ctx, payment, quote, charges, description, metadata, exec); err != nil {
+		if err := p.applyFX(ctx, payment, quote, charges, description, metadata, exec); err != nil {
 			return err
 		}
 	case model.PaymentKindInternalTransfer, model.PaymentKindPayout, model.PaymentKindUnspecified:
@@ -263,7 +145,7 @@ func (s *Service) performLedgerOperation(ctx context.Context, payment *model.Pay
 			Charges:              charges,
 			Metadata:             metadata,
 		}
-		resp, err := s.ledger.client.TransferInternal(ctx, req)
+		resp, err := p.deps.ledger.client.TransferInternal(ctx, req)
 		if err != nil {
 			return err
 		}
@@ -276,7 +158,7 @@ func (s *Service) performLedgerOperation(ctx context.Context, payment *model.Pay
 	return nil
 }
 
-func (s *Service) applyFX(ctx context.Context, payment *model.Payment, quote *orchestratorv1.PaymentQuote, charges []*ledgerv1.PostingLine, description string, metadata map[string]string, exec *model.ExecutionRefs) error {
+func (p *paymentExecutor) applyFX(ctx context.Context, payment *model.Payment, quote *orchestratorv1.PaymentQuote, charges []*ledgerv1.PostingLine, description string, metadata map[string]string, exec *model.ExecutionRefs) error {
 	intent := payment.Intent
 	source := intent.Source.Ledger
 	destination := intent.Destination.Ledger
@@ -287,11 +169,14 @@ func (s *Service) applyFX(ctx context.Context, payment *model.Payment, quote *or
 	if fq == nil {
 		return merrors.InvalidArgument("ledger: fx quote missing")
 	}
-	fromMoney := cloneMoney(fq.GetBaseAmount())
+	fxSide := fxv1.Side_SIDE_UNSPECIFIED
+	if intent.FX != nil {
+		fxSide = intent.FX.Side
+	}
+	fromMoney, toMoney := resolveTradeAmounts(intent.Amount, fq, fxSide)
 	if fromMoney == nil {
 		fromMoney = cloneMoney(intent.Amount)
 	}
-	toMoney := cloneMoney(fq.GetQuoteAmount())
 	if toMoney == nil {
 		toMoney = cloneMoney(quote.GetExpectedSettlementAmount())
 	}
@@ -311,7 +196,7 @@ func (s *Service) applyFX(ctx context.Context, payment *model.Payment, quote *or
 		Charges:              charges,
 		Metadata:             metadata,
 	}
-	resp, err := s.ledger.client.ApplyFXWithCharges(ctx, req)
+	resp, err := p.deps.ledger.client.ApplyFXWithCharges(ctx, req)
 	if err != nil {
 		return err
 	}
@@ -320,7 +205,7 @@ func (s *Service) applyFX(ctx context.Context, payment *model.Payment, quote *or
 	return nil
 }
 
-func (s *Service) submitChainTransfer(ctx context.Context, payment *model.Payment, quote *orchestratorv1.PaymentQuote) (*chainv1.SubmitTransferResponse, error) {
+func (p *paymentExecutor) submitChainTransfer(ctx context.Context, payment *model.Payment, quote *orchestratorv1.PaymentQuote) (*chainv1.SubmitTransferResponse, error) {
 	intent := payment.Intent
 	source := intent.Source.ManagedWallet
 	destination := intent.Destination
@@ -346,23 +231,23 @@ func (s *Service) submitChainTransfer(ctx context.Context, payment *model.Paymen
 		Metadata:        cloneMetadata(payment.Metadata),
 		ClientReference: payment.PaymentRef,
 	}
-	return s.gateway.client.SubmitTransfer(ctx, req)
+	return p.deps.gateway.client.SubmitTransfer(ctx, req)
 }
 
-func (s *Service) persistPayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment) error {
+func (p *paymentExecutor) persistPayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment) error {
 	if store == nil {
 		return errStorageUnavailable
 	}
 	return store.Update(ctx, payment)
 }
 
-func (s *Service) failPayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, code model.PaymentFailureCode, reason string, err error) error {
+func (p *paymentExecutor) failPayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, code model.PaymentFailureCode, reason string, err error) error {
 	payment.State = model.PaymentStateFailed
 	payment.FailureCode = code
 	payment.FailureReason = strings.TrimSpace(reason)
 	if store != nil {
 		if updateErr := store.Update(ctx, payment); updateErr != nil {
-			s.logger.Error("failed to persist payment failure", zap.Error(updateErr), zap.String("payment_ref", payment.PaymentRef))
+			p.logger.Error("failed to persist payment failure", zap.Error(updateErr), zap.String("payment_ref", payment.PaymentRef))
 		}
 	}
 	if err != nil {
@@ -371,6 +256,21 @@ func (s *Service) failPayment(ctx context.Context, store storage.PaymentsStore,
 	return merrors.Internal(reason)
 }
 
+func paymentDescription(payment *model.Payment) string {
+	if payment == nil {
+		return ""
+	}
+	if val := strings.TrimSpace(payment.Intent.Attributes["description"]); val != "" {
+		return val
+	}
+	if payment.Metadata != nil {
+		if val := strings.TrimSpace(payment.Metadata["description"]); val != "" {
+			return val
+		}
+	}
+	return payment.PaymentRef
+}
+
 func resolveLedgerAccounts(intent model.PaymentIntent) (string, string, error) {
 	source := intent.Source.Ledger
 	destination := intent.Destination.Ledger
@@ -389,21 +289,6 @@ func resolveLedgerAccounts(intent model.PaymentIntent) (string, string, error) {
 	return strings.TrimSpace(source.LedgerAccountRef), to, nil
 }
 
-func paymentDescription(payment *model.Payment) string {
-	if payment == nil {
-		return ""
-	}
-	if val := strings.TrimSpace(payment.Intent.Attributes["description"]); val != "" {
-		return val
-	}
-	if payment.Metadata != nil {
-		if val := strings.TrimSpace(payment.Metadata["description"]); val != "" {
-			return val
-		}
-	}
-	return payment.PaymentRef
-}
-
 func requiresLedger(payment *model.Payment) bool {
 	if payment == nil {
 		return false

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

@@ -0,0 +1,145 @@
+package orchestrator
+
+import (
+	"fmt"
+	"sort"
+	"strings"
+	"time"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+)
+
+func perIntentIdempotencyKey(base string, index int, total int) string {
+	base = strings.TrimSpace(base)
+	if base == "" {
+		return ""
+	}
+	if total <= 1 {
+		return base
+	}
+	return fmt.Sprintf("%s:%d", base, index+1)
+}
+
+func minQuoteExpiry(expires []time.Time) (time.Time, bool) {
+	var min time.Time
+	for _, exp := range expires {
+		if exp.IsZero() {
+			continue
+		}
+		if min.IsZero() || exp.Before(min) {
+			min = exp
+		}
+	}
+	if min.IsZero() {
+		return time.Time{}, false
+	}
+	return min, true
+}
+
+func aggregatePaymentQuotes(quotes []*orchestratorv1.PaymentQuote) (*orchestratorv1.PaymentQuoteAggregate, error) {
+	if len(quotes) == 0 {
+		return nil, nil
+	}
+	debitTotals := map[string]decimal.Decimal{}
+	settlementTotals := map[string]decimal.Decimal{}
+	feeTotals := map[string]decimal.Decimal{}
+	networkTotals := map[string]decimal.Decimal{}
+
+	for _, quote := range quotes {
+		if quote == nil {
+			continue
+		}
+		if err := accumulateMoney(debitTotals, quote.GetDebitAmount()); err != nil {
+			return nil, err
+		}
+		if err := accumulateMoney(settlementTotals, quote.GetExpectedSettlementAmount()); err != nil {
+			return nil, err
+		}
+		if err := accumulateMoney(feeTotals, quote.GetExpectedFeeTotal()); err != nil {
+			return nil, err
+		}
+		if nf := quote.GetNetworkFee(); nf != nil {
+			if err := accumulateMoney(networkTotals, nf.GetNetworkFee()); err != nil {
+				return nil, err
+			}
+		}
+	}
+
+	return &orchestratorv1.PaymentQuoteAggregate{
+		DebitAmounts:              totalsToMoney(debitTotals),
+		ExpectedSettlementAmounts: totalsToMoney(settlementTotals),
+		ExpectedFeeTotals:         totalsToMoney(feeTotals),
+		NetworkFeeTotals:          totalsToMoney(networkTotals),
+	}, nil
+}
+
+func accumulateMoney(totals map[string]decimal.Decimal, money *moneyv1.Money) error {
+	if money == nil {
+		return nil
+	}
+	currency := strings.TrimSpace(money.GetCurrency())
+	if currency == "" {
+		return nil
+	}
+	amount, err := decimal.NewFromString(money.GetAmount())
+	if err != nil {
+		return err
+	}
+	if current, ok := totals[currency]; ok {
+		totals[currency] = current.Add(amount)
+		return nil
+	}
+	totals[currency] = amount
+	return nil
+}
+
+func totalsToMoney(totals map[string]decimal.Decimal) []*moneyv1.Money {
+	if len(totals) == 0 {
+		return nil
+	}
+	currencies := make([]string, 0, len(totals))
+	for currency := range totals {
+		currencies = append(currencies, currency)
+	}
+	sort.Strings(currencies)
+
+	result := make([]*moneyv1.Money, 0, len(currencies))
+	for _, currency := range currencies {
+		amount := totals[currency]
+		result = append(result, &moneyv1.Money{
+			Amount:   amount.String(),
+			Currency: currency,
+		})
+	}
+	return result
+}
+
+func intentsFromProto(intents []*orchestratorv1.PaymentIntent) []model.PaymentIntent {
+	if len(intents) == 0 {
+		return nil
+	}
+	result := make([]model.PaymentIntent, 0, len(intents))
+	for _, intent := range intents {
+		result = append(result, intentFromProto(intent))
+	}
+	return result
+}
+
+func quoteSnapshotsFromProto(quotes []*orchestratorv1.PaymentQuote) []*model.PaymentQuoteSnapshot {
+	if len(quotes) == 0 {
+		return nil
+	}
+	result := make([]*model.PaymentQuoteSnapshot, 0, len(quotes))
+	for _, quote := range quotes {
+		if quote == nil {
+			continue
+		}
+		if snapshot := quoteSnapshotToModel(quote); snapshot != nil {
+			result = append(result, snapshot)
+		}
+	}
+	return result
+}

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

@@ -0,0 +1,102 @@
+package orchestrator
+
+import (
+	"testing"
+	"time"
+
+	"github.com/shopspring/decimal"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+)
+
+func TestAggregatePaymentQuotes(t *testing.T) {
+	quotes := []*orchestratorv1.PaymentQuote{
+		{
+			DebitAmount:              &moneyv1.Money{Amount: "10", Currency: "USD"},
+			ExpectedSettlementAmount: &moneyv1.Money{Amount: "8", Currency: "EUR"},
+			ExpectedFeeTotal:         &moneyv1.Money{Amount: "1", Currency: "USD"},
+			NetworkFee: &chainv1.EstimateTransferFeeResponse{
+				NetworkFee: &moneyv1.Money{Amount: "0.5", Currency: "USD"},
+			},
+		},
+		{
+			DebitAmount:              &moneyv1.Money{Amount: "5", Currency: "USD"},
+			ExpectedSettlementAmount: &moneyv1.Money{Amount: "1000", Currency: "NGN"},
+			ExpectedFeeTotal:         &moneyv1.Money{Amount: "2", Currency: "USD"},
+			NetworkFee: &chainv1.EstimateTransferFeeResponse{
+				NetworkFee: &moneyv1.Money{Amount: "100", Currency: "NGN"},
+			},
+		},
+	}
+
+	agg, err := aggregatePaymentQuotes(quotes)
+	if err != nil {
+		t.Fatalf("aggregatePaymentQuotes returned error: %v", err)
+	}
+
+	assertMoneyTotals(t, agg.GetDebitAmounts(), map[string]string{"USD": "15"})
+	assertMoneyTotals(t, agg.GetExpectedSettlementAmounts(), map[string]string{"EUR": "8", "NGN": "1000"})
+	assertMoneyTotals(t, agg.GetExpectedFeeTotals(), map[string]string{"USD": "3"})
+	assertMoneyTotals(t, agg.GetNetworkFeeTotals(), map[string]string{"USD": "0.5", "NGN": "100"})
+}
+
+func TestAggregatePaymentQuotesInvalidAmount(t *testing.T) {
+	quotes := []*orchestratorv1.PaymentQuote{
+		{
+			DebitAmount: &moneyv1.Money{Amount: "bad", Currency: "USD"},
+		},
+	}
+	if _, err := aggregatePaymentQuotes(quotes); err == nil {
+		t.Fatal("expected error for invalid amount")
+	}
+}
+
+func TestMinQuoteExpiry(t *testing.T) {
+	now := time.Now().UTC()
+	later := now.Add(10 * time.Minute)
+	earliest := now.Add(5 * time.Minute)
+
+	min, ok := minQuoteExpiry([]time.Time{later, time.Time{}, earliest})
+	if !ok {
+		t.Fatal("expected min expiry to be set")
+	}
+	if !min.Equal(earliest) {
+		t.Fatalf("expected min expiry %v, got %v", earliest, min)
+	}
+
+	if _, ok := minQuoteExpiry([]time.Time{time.Time{}}); ok {
+		t.Fatal("expected min expiry to be unset")
+	}
+}
+
+func assertMoneyTotals(t *testing.T, list []*moneyv1.Money, expected map[string]string) {
+	t.Helper()
+	got := make(map[string]decimal.Decimal, len(list))
+	for _, item := range list {
+		if item == nil {
+			continue
+		}
+		val, err := decimal.NewFromString(item.GetAmount())
+		if err != nil {
+			t.Fatalf("invalid money amount %q: %v", item.GetAmount(), err)
+		}
+		got[item.GetCurrency()] = val
+	}
+	if len(got) != len(expected) {
+		t.Fatalf("expected %d totals, got %d", len(expected), len(got))
+	}
+	for currency, amount := range expected {
+		val, err := decimal.NewFromString(amount)
+		if err != nil {
+			t.Fatalf("invalid expected amount %q: %v", amount, err)
+		}
+		gotVal, ok := got[currency]
+		if !ok {
+			t.Fatalf("missing currency %s", currency)
+		}
+		if !gotVal.Equal(val) {
+			t.Fatalf("expected %s %s, got %s", amount, currency, gotVal.String())
+		}
+	}
+}

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

@@ -0,0 +1,261 @@
+package orchestrator
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	oracleclient "github.com/tech/sendico/fx/oracle/client"
+	"github.com/tech/sendico/pkg/merrors"
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.uber.org/zap"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.PaymentQuote, time.Time, error) {
+	intent := req.GetIntent()
+	amount := intent.GetAmount()
+	fxSide := fxv1.Side_SIDE_UNSPECIFIED
+	if intent.GetFx() != nil {
+		fxSide = intent.GetFx().GetSide()
+	}
+
+	var fxQuote *oraclev1.Quote
+	var err error
+	if shouldRequestFX(intent) {
+		fxQuote, err = s.requestFXQuote(ctx, orgRef, req)
+		if err != nil {
+			return nil, time.Time{}, err
+		}
+		s.logger.Debug("fx quote attached to payment quote", zap.String("org_ref", orgRef))
+	}
+
+	payAmount, settlementAmountBeforeFees := resolveTradeAmounts(amount, fxQuote, fxSide)
+
+	feeBaseAmount := payAmount
+	if feeBaseAmount == nil {
+		feeBaseAmount = cloneMoney(amount)
+	}
+
+	feeQuote, err := s.quoteFees(ctx, orgRef, req, feeBaseAmount)
+	if err != nil {
+		return nil, time.Time{}, err
+	}
+	feeCurrency := ""
+	if feeBaseAmount != nil {
+		feeCurrency = feeBaseAmount.GetCurrency()
+	} else if amount != nil {
+		feeCurrency = amount.GetCurrency()
+	}
+	feeLines := cloneFeeLines(feeQuote.GetLines())
+	s.assignFeeLedgerAccounts(intent, feeLines)
+	feeTotal := extractFeeTotal(feeLines, feeCurrency)
+
+	var networkFee *chainv1.EstimateTransferFeeResponse
+	if shouldEstimateNetworkFee(intent) {
+		networkFee, err = s.estimateNetworkFee(ctx, intent)
+		if err != nil {
+			return nil, time.Time{}, err
+		}
+		s.logger.Debug("network fee estimated", zap.String("org_ref", orgRef))
+	}
+
+	debitAmount, settlementAmount := computeAggregates(payAmount, settlementAmountBeforeFees, feeTotal, networkFee, fxQuote, intent.GetSettlementMode())
+
+	quote := &orchestratorv1.PaymentQuote{
+		DebitAmount:              debitAmount,
+		ExpectedSettlementAmount: settlementAmount,
+		ExpectedFeeTotal:         feeTotal,
+		FeeLines:                 feeLines,
+		FeeRules:                 cloneFeeRules(feeQuote.GetApplied()),
+		FxQuote:                  fxQuote,
+		NetworkFee:               networkFee,
+	}
+
+	expiresAt := quoteExpiry(s.clock.Now(), feeQuote, fxQuote)
+
+	return quote, expiresAt, nil
+}
+
+func (s *Service) quoteFees(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest, baseAmount *moneyv1.Money) (*feesv1.PrecomputeFeesResponse, error) {
+	if !s.deps.fees.available() {
+		return &feesv1.PrecomputeFeesResponse{}, nil
+	}
+	intent := req.GetIntent()
+	amount := cloneMoney(baseAmount)
+	if amount == nil {
+		amount = cloneMoney(intent.GetAmount())
+	}
+	feeIntent := &feesv1.Intent{
+		Trigger:    triggerFromKind(intent.GetKind(), intent.GetRequiresFx()),
+		BaseAmount: amount,
+		BookedAt:   timestamppb.New(s.clock.Now()),
+		OriginType: "payments.orchestrator.quote",
+		OriginRef:  strings.TrimSpace(req.GetIdempotencyKey()),
+		Attributes: cloneMetadata(intent.GetAttributes()),
+	}
+	timeout := req.GetMeta().GetTrace()
+	ctxTimeout, cancel := s.withTimeout(ctx, s.deps.fees.timeout)
+	defer cancel()
+	resp, err := s.deps.fees.client.PrecomputeFees(ctxTimeout, &feesv1.PrecomputeFeesRequest{
+		Meta: &feesv1.RequestMeta{
+			OrganizationRef: orgRef,
+			Trace:           timeout,
+		},
+		Intent: feeIntent,
+		TtlMs:  defaultFeeQuoteTTLMillis,
+	})
+	if err != nil {
+		s.logger.Warn("fees precompute failed", zap.Error(err))
+		return nil, merrors.Internal("fees_precompute_failed")
+	}
+	return resp, nil
+}
+
+func (s *Service) estimateNetworkFee(ctx context.Context, intent *orchestratorv1.PaymentIntent) (*chainv1.EstimateTransferFeeResponse, error) {
+	if !s.deps.gateway.available() {
+		return nil, nil
+	}
+
+	req := &chainv1.EstimateTransferFeeRequest{
+		Amount: cloneMoney(intent.GetAmount()),
+	}
+	if src := intent.GetSource().GetManagedWallet(); src != nil {
+		req.SourceWalletRef = strings.TrimSpace(src.GetManagedWalletRef())
+	}
+	if dst := intent.GetDestination().GetManagedWallet(); dst != nil {
+		req.Destination = &chainv1.TransferDestination{
+			Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: strings.TrimSpace(dst.GetManagedWalletRef())},
+		}
+	}
+	if dst := intent.GetDestination().GetExternalChain(); dst != nil {
+		req.Destination = &chainv1.TransferDestination{
+			Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(dst.GetAddress())},
+			Memo:        strings.TrimSpace(dst.GetMemo()),
+		}
+		req.Asset = dst.GetAsset()
+	}
+	if req.Asset == nil {
+		if src := intent.GetSource().GetManagedWallet(); src != nil {
+			req.Asset = src.GetAsset()
+		}
+	}
+
+	resp, err := s.deps.gateway.client.EstimateTransferFee(ctx, req)
+	if err != nil {
+		s.logger.Warn("chain gateway fee estimation failed", zap.Error(err))
+		return nil, merrors.Internal("chain_gateway_fee_estimation_failed")
+	}
+	return resp, nil
+}
+
+func (s *Service) requestFXQuote(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*oraclev1.Quote, error) {
+	if !s.deps.oracle.available() {
+		return nil, nil
+	}
+	intent := req.GetIntent()
+	meta := req.GetMeta()
+	fxIntent := intent.GetFx()
+	if fxIntent == nil {
+		return nil, nil
+	}
+
+	ttl := fxIntent.GetTtlMs()
+	if ttl <= 0 {
+		ttl = defaultOracleTTLMillis
+	}
+
+	params := oracleclient.GetQuoteParams{
+		Meta: oracleclient.RequestMeta{
+			OrganizationRef: orgRef,
+			Trace:           meta.GetTrace(),
+		},
+		Pair:              fxIntent.GetPair(),
+		Side:              fxIntent.GetSide(),
+		Firm:              fxIntent.GetFirm(),
+		TTL:               time.Duration(ttl) * time.Millisecond,
+		PreferredProvider: strings.TrimSpace(fxIntent.GetPreferredProvider()),
+	}
+
+	if fxIntent.GetMaxAgeMs() > 0 {
+		params.MaxAge = time.Duration(fxIntent.GetMaxAgeMs()) * time.Millisecond
+	}
+
+	if amount := intent.GetAmount(); amount != nil {
+		pair := fxIntent.GetPair()
+		if pair != nil {
+			switch {
+			case strings.EqualFold(amount.GetCurrency(), pair.GetBase()):
+				params.BaseAmount = cloneMoney(amount)
+			case strings.EqualFold(amount.GetCurrency(), pair.GetQuote()):
+				params.QuoteAmount = cloneMoney(amount)
+			default:
+				params.BaseAmount = cloneMoney(amount)
+			}
+		} else {
+			params.BaseAmount = cloneMoney(amount)
+		}
+	}
+
+	quote, err := s.deps.oracle.client.GetQuote(ctx, params)
+	if err != nil {
+		s.logger.Warn("fx oracle quote failed", zap.Error(err))
+		return nil, merrors.Internal("fx_quote_failed")
+	}
+	return quoteToProto(quote), nil
+}
+
+func (s *Service) feeLedgerAccountForIntent(intent *orchestratorv1.PaymentIntent) string {
+	if intent == nil || len(s.deps.feeLedgerAccounts) == 0 {
+		return ""
+	}
+
+	key := s.gatewayKeyFromIntent(intent)
+	if key == "" {
+		return ""
+	}
+	return strings.TrimSpace(s.deps.feeLedgerAccounts[key])
+}
+
+func (s *Service) assignFeeLedgerAccounts(intent *orchestratorv1.PaymentIntent, lines []*feesv1.DerivedPostingLine) {
+	account := s.feeLedgerAccountForIntent(intent)
+	key := s.gatewayKeyFromIntent(intent)
+
+	missing := 0
+	for _, line := range lines {
+		if line == nil {
+			continue
+		}
+		if strings.TrimSpace(line.GetLedgerAccountRef()) == "" {
+			missing++
+		}
+	}
+	if missing == 0 {
+		return
+	}
+
+	if account == "" {
+		s.logger.Debug("no fee ledger account mapping found", zap.String("gateway", key), zap.Int("missing_lines", missing))
+		return
+	}
+	assignLedgerAccounts(lines, account)
+	s.logger.Debug("applied fee ledger account mapping", zap.String("gateway", key), zap.String("ledger_account", account), zap.Int("lines", missing))
+}
+
+func (s *Service) gatewayKeyFromIntent(intent *orchestratorv1.PaymentIntent) string {
+	if intent == nil {
+		return ""
+	}
+	key := strings.TrimSpace(intent.GetAttributes()["gateway"])
+	if key == "" {
+		if dest := intent.GetDestination(); dest != nil && dest.GetCard() != nil {
+			key = defaultCardGateway
+		}
+	}
+	return strings.ToLower(key)
+}

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

@@ -0,0 +1,66 @@
+package orchestrator
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	oracleclient "github.com/tech/sendico/fx/oracle/client"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.uber.org/zap"
+)
+
+func TestRequestFXQuoteUsesQuoteAmountWhenCurrencyMatchesQuote(t *testing.T) {
+	ctx := context.Background()
+	var captured oracleclient.GetQuoteParams
+
+	svc := &Service{
+		logger: zap.NewNop(),
+		clock:  testClock{now: time.Now()},
+		deps: serviceDependencies{
+			oracle: oracleDependency{
+				client: &oracleclient.Fake{
+					GetQuoteFn: func(ctx context.Context, params oracleclient.GetQuoteParams) (*oracleclient.Quote, error) {
+						captured = params
+						return &oracleclient.Quote{
+							QuoteRef:    "q",
+							Pair:        params.Pair,
+							Side:        params.Side,
+							Price:       "1.1",
+							BaseAmount:  params.BaseAmount,
+							QuoteAmount: params.QuoteAmount,
+							ExpiresAt:   time.Now(),
+						}, nil
+					},
+				},
+			},
+		},
+	}
+
+	req := &orchestratorv1.QuotePaymentRequest{
+		Meta: &orchestratorv1.RequestMeta{OrganizationRef: "org"},
+		Intent: &orchestratorv1.PaymentIntent{
+			Amount: &moneyv1.Money{Currency: "USD", Amount: "100"},
+			Fx: &orchestratorv1.FXIntent{
+				Pair: &fxv1.CurrencyPair{Base: "EUR", Quote: "USD"},
+				Side: fxv1.Side_BUY_BASE_SELL_QUOTE,
+			},
+		},
+	}
+
+	if _, err := svc.requestFXQuote(ctx, "org", req); err != nil {
+		t.Fatalf("requestFXQuote returned error: %v", err)
+	}
+
+	if captured.QuoteAmount == nil {
+		t.Fatal("expected quote amount to be populated")
+	}
+	if captured.BaseAmount != nil {
+		t.Fatal("expected base amount to be nil when using quote amount input")
+	}
+	if captured.QuoteAmount.GetCurrency() != "USD" {
+		t.Fatalf("expected quote amount currency USD, got %s", captured.QuoteAmount.GetCurrency())
+	}
+}

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

@@ -2,19 +2,13 @@ package orchestrator
 
 import (
 	"context"
-	"strings"
 
 	"github.com/tech/sendico/payments/orchestrator/storage"
 	"github.com/tech/sendico/payments/orchestrator/storage/model"
 	"github.com/tech/sendico/pkg/api/routers"
-	"github.com/tech/sendico/pkg/api/routers/gsresponse"
 	clockpkg "github.com/tech/sendico/pkg/clock"
-	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
-	"github.com/tech/sendico/pkg/mservice"
-	paginationv1 "github.com/tech/sendico/pkg/proto/common/pagination/v1"
 	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
-	"go.mongodb.org/mongo-driver/bson/primitive"
 	"google.golang.org/grpc"
 )
 
@@ -39,14 +33,33 @@ type Service struct {
 	storage storage.Repository
 	clock   clockpkg.Clock
 
-	fees    feesDependency
+	deps serviceDependencies
-	ledger  ledgerDependency
+	h    handlerSet
-	gateway gatewayDependency
+	comp componentSet
-	oracle  oracleDependency
 
 	orchestratorv1.UnimplementedPaymentOrchestratorServer
 }
 
+type serviceDependencies struct {
+	fees              feesDependency
+	ledger            ledgerDependency
+	gateway           gatewayDependency
+	oracle            oracleDependency
+	mntx              mntxDependency
+	cardRoutes        map[string]CardGatewayRoute
+	feeLedgerAccounts map[string]string
+}
+
+type handlerSet struct {
+	commands *paymentCommandFactory
+	queries  *paymentQueryHandler
+	events   *paymentEventHandler
+}
+
+type componentSet struct {
+	executor *paymentExecutor
+}
+
 // NewService constructs a payment orchestrator service.
 func NewService(logger mlogger.Logger, repo storage.Repository, opts ...Option) *Service {
 	svc := &Service{
@@ -67,9 +80,30 @@ func NewService(logger mlogger.Logger, repo storage.Repository, opts ...Option)
 		svc.clock = clockpkg.NewSystem()
 	}
 
+	engine := defaultPaymentEngine{svc: svc}
+	svc.h.commands = newPaymentCommandFactory(engine, svc.logger)
+	svc.h.queries = newPaymentQueryHandler(svc.storage, svc.ensureRepository, svc.logger.Named("queries"))
+	svc.h.events = newPaymentEventHandler(svc.storage, svc.ensureRepository, svc.logger.Named("events"))
+	svc.comp.executor = newPaymentExecutor(&svc.deps, svc.logger.Named("payment_executor"), svc)
+
 	return svc
 }
 
+func (s *Service) ensureHandlers() {
+	if s.h.commands == nil {
+		s.h.commands = newPaymentCommandFactory(defaultPaymentEngine{svc: s}, s.logger)
+	}
+	if s.h.queries == nil {
+		s.h.queries = newPaymentQueryHandler(s.storage, s.ensureRepository, s.logger.Named("queries"))
+	}
+	if s.h.events == nil {
+		s.h.events = newPaymentEventHandler(s.storage, s.ensureRepository, s.logger.Named("events"))
+	}
+	if s.comp.executor == nil {
+		s.comp.executor = newPaymentExecutor(&s.deps, s.logger.Named("payment_executor"), s)
+	}
+}
+
 // Register attaches the service to the supplied gRPC router.
 func (s *Service) Register(router routers.GRPC) error {
 	return router.Register(func(reg grpc.ServiceRegistrar) {
@@ -79,426 +113,71 @@ func (s *Service) Register(router routers.GRPC) error {
 
 // QuotePayment aggregates downstream quotes.
 func (s *Service) QuotePayment(ctx context.Context, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.QuotePaymentResponse, error) {
-	return executeUnary(ctx, s, "QuotePayment", s.quotePaymentHandler, req)
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "QuotePayment", s.h.commands.QuotePayment().Execute, req)
+}
+
+// QuotePayments aggregates downstream quotes for multiple intents.
+func (s *Service) QuotePayments(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) (*orchestratorv1.QuotePaymentsResponse, error) {
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "QuotePayments", s.h.commands.QuotePayments().Execute, req)
 }
 
 // InitiatePayment captures a payment intent and reserves funds orchestration.
 func (s *Service) InitiatePayment(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) (*orchestratorv1.InitiatePaymentResponse, error) {
-	return executeUnary(ctx, s, "InitiatePayment", s.initiatePaymentHandler, req)
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "InitiatePayment", s.h.commands.InitiatePayment().Execute, req)
+}
+
+// InitiatePayments executes multiple payments using a stored quote reference.
+func (s *Service) InitiatePayments(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) (*orchestratorv1.InitiatePaymentsResponse, error) {
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "InitiatePayments", s.h.commands.InitiatePayments().Execute, req)
 }
 
 // CancelPayment attempts to cancel an in-flight payment.
 func (s *Service) CancelPayment(ctx context.Context, req *orchestratorv1.CancelPaymentRequest) (*orchestratorv1.CancelPaymentResponse, error) {
-	return executeUnary(ctx, s, "CancelPayment", s.cancelPaymentHandler, req)
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "CancelPayment", s.h.commands.CancelPayment().Execute, req)
 }
 
 // GetPayment returns a stored payment record.
 func (s *Service) GetPayment(ctx context.Context, req *orchestratorv1.GetPaymentRequest) (*orchestratorv1.GetPaymentResponse, error) {
-	return executeUnary(ctx, s, "GetPayment", s.getPaymentHandler, req)
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "GetPayment", s.h.queries.getPayment, req)
 }
 
 // ListPayments lists stored payment records.
 func (s *Service) ListPayments(ctx context.Context, req *orchestratorv1.ListPaymentsRequest) (*orchestratorv1.ListPaymentsResponse, error) {
-	return executeUnary(ctx, s, "ListPayments", s.listPaymentsHandler, req)
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "ListPayments", s.h.queries.listPayments, req)
 }
 
 // InitiateConversion orchestrates standalone FX conversions.
 func (s *Service) InitiateConversion(ctx context.Context, req *orchestratorv1.InitiateConversionRequest) (*orchestratorv1.InitiateConversionResponse, error) {
-	return executeUnary(ctx, s, "InitiateConversion", s.initiateConversionHandler, req)
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "InitiateConversion", s.h.commands.InitiateConversion().Execute, req)
 }
 
 // ProcessTransferUpdate reconciles chain events back into payment state.
 func (s *Service) ProcessTransferUpdate(ctx context.Context, req *orchestratorv1.ProcessTransferUpdateRequest) (*orchestratorv1.ProcessTransferUpdateResponse, error) {
-	return executeUnary(ctx, s, "ProcessTransferUpdate", s.processTransferUpdateHandler, req)
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "ProcessTransferUpdate", s.h.events.processTransferUpdate, req)
 }
 
 // ProcessDepositObserved reconciles deposit events to ledger.
 func (s *Service) ProcessDepositObserved(ctx context.Context, req *orchestratorv1.ProcessDepositObservedRequest) (*orchestratorv1.ProcessDepositObservedResponse, error) {
-	return executeUnary(ctx, s, "ProcessDepositObserved", s.processDepositObservedHandler, req)
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "ProcessDepositObserved", s.h.events.processDepositObserved, req)
 }
 
-func (s *Service) quotePaymentHandler(ctx context.Context, req *orchestratorv1.QuotePaymentRequest) gsresponse.Responder[orchestratorv1.QuotePaymentResponse] {
+// ProcessCardPayoutUpdate reconciles card payout events back into payment state.
-	if err := s.ensureRepository(ctx); err != nil {
+func (s *Service) ProcessCardPayoutUpdate(ctx context.Context, req *orchestratorv1.ProcessCardPayoutUpdateRequest) (*orchestratorv1.ProcessCardPayoutUpdateResponse, error) {
-		return gsresponse.Unavailable[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
+	s.ensureHandlers()
-	}
+	return executeUnary(ctx, s, "ProcessCardPayoutUpdate", s.h.events.processCardPayoutUpdate, req)
-	if req == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
-	}
-	meta := req.GetMeta()
-	if meta == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("meta is required"))
-	}
-	orgRef := strings.TrimSpace(meta.GetOrganizationRef())
-	if orgRef == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("organization_ref is required"))
-	}
-	intent := req.GetIntent()
-	if intent == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("intent is required"))
-	}
-	if intent.GetAmount() == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("intent.amount is required"))
-	}
-
-	quote, err := s.buildPaymentQuote(ctx, orgRef, req)
-	if err != nil {
-		return gsresponse.Auto[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	return gsresponse.Success(&orchestratorv1.QuotePaymentResponse{Quote: quote})
 }
 
-func (s *Service) initiatePaymentHandler(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) gsresponse.Responder[orchestratorv1.InitiatePaymentResponse] {
+func (s *Service) executePayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, quote *orchestratorv1.PaymentQuote) error {
-	if err := s.ensureRepository(ctx); err != nil {
+	s.ensureHandlers()
-		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
+	return s.comp.executor.executePayment(ctx, store, payment, quote)
-	}
-	if req == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
-	}
-	meta := req.GetMeta()
-	if meta == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("meta is required"))
-	}
-	orgRef := strings.TrimSpace(meta.GetOrganizationRef())
-	if orgRef == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("organization_ref is required"))
-	}
-	orgObjectID, parseErr := primitive.ObjectIDFromHex(orgRef)
-	if parseErr != nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("organization_ref must be a valid objectID"))
-	}
-	intent := req.GetIntent()
-	if intent == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("intent is required"))
-	}
-	if intent.GetAmount() == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("intent.amount is required"))
-	}
-	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
-	if idempotencyKey == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("idempotency_key is required"))
-	}
-
-	store := s.storage.Payments()
-	if store == nil {
-		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-	}
-
-	existing, err := store.GetByIdempotencyKey(ctx, orgObjectID, idempotencyKey)
-	if err == nil && existing != nil {
-		return gsresponse.Success(&orchestratorv1.InitiatePaymentResponse{
-			Payment: toProtoPayment(existing),
-		})
-	}
-	if err != nil && err != storage.ErrPaymentNotFound {
-		return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	quote := req.GetFeeQuoteToken()
-	var quoteSnapshot *orchestratorv1.PaymentQuote
-	if quote == "" {
-		quoteSnapshot, err = s.buildPaymentQuote(ctx, orgRef, &orchestratorv1.QuotePaymentRequest{
-			Meta:           req.GetMeta(),
-			IdempotencyKey: req.GetIdempotencyKey(),
-			Intent:         req.GetIntent(),
-			PreviewOnly:    false,
-		})
-		if err != nil {
-			return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-		}
-	} else {
-		quoteSnapshot = &orchestratorv1.PaymentQuote{FeeQuoteToken: quote}
-	}
-
-	entity := &model.Payment{}
-	entity.SetID(primitive.NewObjectID())
-	entity.SetOrganizationRef(orgObjectID)
-	entity.PaymentRef = entity.GetID().Hex()
-	entity.IdempotencyKey = idempotencyKey
-	entity.State = model.PaymentStateAccepted
-	entity.Intent = intentFromProto(intent)
-	entity.Metadata = cloneMetadata(req.GetMetadata())
-	entity.LastQuote = quoteSnapshotToModel(quoteSnapshot)
-	entity.Normalize()
-
-	if err = store.Create(ctx, entity); err != nil {
-		if err == storage.ErrDuplicatePayment {
-			return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.DataConflict("payment already exists"))
-		}
-		return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	if quoteSnapshot == nil {
-		quoteSnapshot = &orchestratorv1.PaymentQuote{}
-	}
-
-	if err := s.executePayment(ctx, store, entity, quoteSnapshot); err != nil {
-		return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	return gsresponse.Success(&orchestratorv1.InitiatePaymentResponse{
-		Payment: toProtoPayment(entity),
-	})
-}
-
-func (s *Service) cancelPaymentHandler(ctx context.Context, req *orchestratorv1.CancelPaymentRequest) gsresponse.Responder[orchestratorv1.CancelPaymentResponse] {
-	if err := s.ensureRepository(ctx); err != nil {
-		return gsresponse.Unavailable[orchestratorv1.CancelPaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	if req == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.CancelPaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
-	}
-	paymentRef := strings.TrimSpace(req.GetPaymentRef())
-	if paymentRef == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.CancelPaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("payment_ref is required"))
-	}
-	store := s.storage.Payments()
-	if store == nil {
-		return gsresponse.Unavailable[orchestratorv1.CancelPaymentResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-	}
-	payment, err := store.GetByPaymentRef(ctx, paymentRef)
-	if err != nil {
-		if err == storage.ErrPaymentNotFound {
-			return gsresponse.NotFound[orchestratorv1.CancelPaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-		}
-		return gsresponse.Auto[orchestratorv1.CancelPaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	if payment.State != model.PaymentStateAccepted {
-		reason := merrors.InvalidArgument("payment cannot be cancelled in current state")
-		return gsresponse.FailedPrecondition[orchestratorv1.CancelPaymentResponse](s.logger, mservice.PaymentOrchestrator, "payment_not_cancellable", reason)
-	}
-	payment.State = model.PaymentStateCancelled
-	payment.FailureCode = model.PaymentFailureCodePolicy
-	payment.FailureReason = strings.TrimSpace(req.GetReason())
-	if err := store.Update(ctx, payment); err != nil {
-		return gsresponse.Auto[orchestratorv1.CancelPaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	return gsresponse.Success(&orchestratorv1.CancelPaymentResponse{Payment: toProtoPayment(payment)})
-}
-
-func (s *Service) getPaymentHandler(ctx context.Context, req *orchestratorv1.GetPaymentRequest) gsresponse.Responder[orchestratorv1.GetPaymentResponse] {
-	if err := s.ensureRepository(ctx); err != nil {
-		return gsresponse.Unavailable[orchestratorv1.GetPaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	if req == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.GetPaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
-	}
-	paymentRef := strings.TrimSpace(req.GetPaymentRef())
-	if paymentRef == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.GetPaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("payment_ref is required"))
-	}
-	store := s.storage.Payments()
-	if store == nil {
-		return gsresponse.Unavailable[orchestratorv1.GetPaymentResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-	}
-	entity, err := store.GetByPaymentRef(ctx, paymentRef)
-	if err != nil {
-		if err == storage.ErrPaymentNotFound {
-			return gsresponse.NotFound[orchestratorv1.GetPaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-		}
-		return gsresponse.Auto[orchestratorv1.GetPaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	return gsresponse.Success(&orchestratorv1.GetPaymentResponse{Payment: toProtoPayment(entity)})
-}
-
-func (s *Service) listPaymentsHandler(ctx context.Context, req *orchestratorv1.ListPaymentsRequest) gsresponse.Responder[orchestratorv1.ListPaymentsResponse] {
-	if err := s.ensureRepository(ctx); err != nil {
-		return gsresponse.Unavailable[orchestratorv1.ListPaymentsResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	if req == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.ListPaymentsResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
-	}
-	store := s.storage.Payments()
-	if store == nil {
-		return gsresponse.Unavailable[orchestratorv1.ListPaymentsResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-	}
-	filter := filterFromProto(req)
-	result, err := store.List(ctx, filter)
-	if err != nil {
-		return gsresponse.Auto[orchestratorv1.ListPaymentsResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	resp := &orchestratorv1.ListPaymentsResponse{
-		Page: &paginationv1.CursorPageResponse{
-			NextCursor: result.NextCursor,
-		},
-	}
-	resp.Payments = make([]*orchestratorv1.Payment, 0, len(result.Items))
-	for _, item := range result.Items {
-		resp.Payments = append(resp.Payments, toProtoPayment(item))
-	}
-	return gsresponse.Success(resp)
-}
-
-func (s *Service) initiateConversionHandler(ctx context.Context, req *orchestratorv1.InitiateConversionRequest) gsresponse.Responder[orchestratorv1.InitiateConversionResponse] {
-	if err := s.ensureRepository(ctx); err != nil {
-		return gsresponse.Unavailable[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	if req == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
-	}
-	meta := req.GetMeta()
-	if meta == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("meta is required"))
-	}
-	orgRef := strings.TrimSpace(meta.GetOrganizationRef())
-	if orgRef == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("organization_ref is required"))
-	}
-	orgObjectID, parseErr := primitive.ObjectIDFromHex(orgRef)
-	if parseErr != nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("organization_ref must be a valid objectID"))
-	}
-	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
-	if idempotencyKey == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("idempotency_key is required"))
-	}
-	if req.GetSource() == nil || req.GetSource().GetLedger() == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("source ledger endpoint is required"))
-	}
-	if req.GetDestination() == nil || req.GetDestination().GetLedger() == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("destination ledger endpoint is required"))
-	}
-	fxIntent := req.GetFx()
-	if fxIntent == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("fx intent is required"))
-	}
-
-	store := s.storage.Payments()
-	if store == nil {
-		return gsresponse.Unavailable[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-	}
-
-	if existing, err := store.GetByIdempotencyKey(ctx, orgObjectID, idempotencyKey); err == nil && existing != nil {
-		return gsresponse.Success(&orchestratorv1.InitiateConversionResponse{Conversion: toProtoPayment(existing)})
-	} else if err != nil && err != storage.ErrPaymentNotFound {
-		return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	amount, err := conversionAmountFromMetadata(req.GetMetadata(), fxIntent)
-	if err != nil {
-		return gsresponse.InvalidArgument[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	intentProto := &orchestratorv1.PaymentIntent{
-		Kind:        orchestratorv1.PaymentKind_PAYMENT_KIND_FX_CONVERSION,
-		Source:      req.GetSource(),
-		Destination: req.GetDestination(),
-		Amount:      amount,
-		RequiresFx:  true,
-		Fx:          fxIntent,
-		FeePolicy:   req.GetFeePolicy(),
-	}
-
-	quote, err := s.buildPaymentQuote(ctx, orgRef, &orchestratorv1.QuotePaymentRequest{
-		Meta:           req.GetMeta(),
-		IdempotencyKey: req.GetIdempotencyKey(),
-		Intent:         intentProto,
-	})
-	if err != nil {
-		return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	entity := &model.Payment{}
-	entity.SetID(primitive.NewObjectID())
-	entity.SetOrganizationRef(orgObjectID)
-	entity.PaymentRef = entity.GetID().Hex()
-	entity.IdempotencyKey = idempotencyKey
-	entity.State = model.PaymentStateAccepted
-	entity.Intent = intentFromProto(intentProto)
-	entity.Metadata = cloneMetadata(req.GetMetadata())
-	entity.LastQuote = quoteSnapshotToModel(quote)
-	entity.Normalize()
-
-	if err = store.Create(ctx, entity); err != nil {
-		if err == storage.ErrDuplicatePayment {
-			return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, merrors.DataConflict("payment already exists"))
-		}
-		return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	if err := s.executePayment(ctx, store, entity, quote); err != nil {
-		return gsresponse.Auto[orchestratorv1.InitiateConversionResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	return gsresponse.Success(&orchestratorv1.InitiateConversionResponse{
-		Conversion: toProtoPayment(entity),
-	})
-}
-
-func (s *Service) processTransferUpdateHandler(ctx context.Context, req *orchestratorv1.ProcessTransferUpdateRequest) gsresponse.Responder[orchestratorv1.ProcessTransferUpdateResponse] {
-	if err := s.ensureRepository(ctx); err != nil {
-		return gsresponse.Unavailable[orchestratorv1.ProcessTransferUpdateResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	if req == nil || req.GetEvent() == nil || req.GetEvent().GetTransfer() == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.ProcessTransferUpdateResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("transfer event is required"))
-	}
-	transfer := req.GetEvent().GetTransfer()
-	transferRef := strings.TrimSpace(transfer.GetTransferRef())
-	if transferRef == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.ProcessTransferUpdateResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("transfer_ref is required"))
-	}
-	store := s.storage.Payments()
-	if store == nil {
-		return gsresponse.Unavailable[orchestratorv1.ProcessTransferUpdateResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-	}
-	payment, err := store.GetByChainTransferRef(ctx, transferRef)
-	if err != nil {
-		if err == storage.ErrPaymentNotFound {
-			return gsresponse.NotFound[orchestratorv1.ProcessTransferUpdateResponse](s.logger, mservice.PaymentOrchestrator, err)
-		}
-		return gsresponse.Auto[orchestratorv1.ProcessTransferUpdateResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	applyTransferStatus(req.GetEvent(), payment)
-	if err := store.Update(ctx, payment); err != nil {
-		return gsresponse.Auto[orchestratorv1.ProcessTransferUpdateResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	return gsresponse.Success(&orchestratorv1.ProcessTransferUpdateResponse{Payment: toProtoPayment(payment)})
-}
-
-func (s *Service) processDepositObservedHandler(ctx context.Context, req *orchestratorv1.ProcessDepositObservedRequest) gsresponse.Responder[orchestratorv1.ProcessDepositObservedResponse] {
-	if err := s.ensureRepository(ctx); err != nil {
-		return gsresponse.Unavailable[orchestratorv1.ProcessDepositObservedResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	if req == nil || req.GetEvent() == nil {
-		return gsresponse.InvalidArgument[orchestratorv1.ProcessDepositObservedResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("deposit event is required"))
-	}
-	event := req.GetEvent()
-	walletRef := strings.TrimSpace(event.GetWalletRef())
-	if walletRef == "" {
-		return gsresponse.InvalidArgument[orchestratorv1.ProcessDepositObservedResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("wallet_ref is required"))
-	}
-	store := s.storage.Payments()
-	if store == nil {
-		return gsresponse.Unavailable[orchestratorv1.ProcessDepositObservedResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-	}
-	filter := &model.PaymentFilter{
-		States:         []model.PaymentState{model.PaymentStateSubmitted, model.PaymentStateFundsReserved},
-		DestinationRef: walletRef,
-	}
-	result, err := store.List(ctx, filter)
-	if err != nil {
-		return gsresponse.Auto[orchestratorv1.ProcessDepositObservedResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	for _, payment := range result.Items {
-		if payment.Intent.Destination.Type != model.EndpointTypeManagedWallet {
-			continue
-		}
-		if !moneyEquals(payment.Intent.Amount, event.GetAmount()) {
-			continue
-		}
-		payment.State = model.PaymentStateSettled
-		payment.FailureCode = model.PaymentFailureCodeUnspecified
-		payment.FailureReason = ""
-		if payment.Execution == nil {
-			payment.Execution = &model.ExecutionRefs{}
-		}
-		if payment.Execution.ChainTransferRef == "" {
-			payment.Execution.ChainTransferRef = strings.TrimSpace(event.GetTransactionHash())
-		}
-		if err := store.Update(ctx, payment); err != nil {
-			return gsresponse.Auto[orchestratorv1.ProcessDepositObservedResponse](s.logger, mservice.PaymentOrchestrator, err)
-		}
-		return gsresponse.Success(&orchestratorv1.ProcessDepositObservedResponse{Payment: toProtoPayment(payment)})
-	}
-	return gsresponse.Success(&orchestratorv1.ProcessDepositObservedResponse{})
 }

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

@@ -0,0 +1,165 @@
+package orchestrator
+
+import (
+	"context"
+	"errors"
+	"strings"
+
+	"github.com/tech/sendico/payments/orchestrator/storage"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"google.golang.org/protobuf/proto"
+)
+
+func validateMetaAndOrgRef(meta *orchestratorv1.RequestMeta) (string, primitive.ObjectID, error) {
+	if meta == nil {
+		return "", primitive.NilObjectID, merrors.InvalidArgument("meta is required")
+	}
+	orgRef := strings.TrimSpace(meta.GetOrganizationRef())
+	if orgRef == "" {
+		return "", primitive.NilObjectID, merrors.InvalidArgument("organization_ref is required")
+	}
+	orgID, err := primitive.ObjectIDFromHex(orgRef)
+	if err != nil {
+		return "", primitive.NilObjectID, merrors.InvalidArgument("organization_ref must be a valid objectID")
+	}
+	return orgRef, orgID, nil
+}
+
+func requireIdempotencyKey(k string) (string, error) {
+	key := strings.TrimSpace(k)
+	if key == "" {
+		return "", merrors.InvalidArgument("idempotency_key is required")
+	}
+	return key, nil
+}
+
+func requirePaymentRef(ref string) (string, error) {
+	val := strings.TrimSpace(ref)
+	if val == "" {
+		return "", merrors.InvalidArgument("payment_ref is required")
+	}
+	return val, nil
+}
+
+func requireNonNilIntent(intent *orchestratorv1.PaymentIntent) error {
+	if intent == nil {
+		return merrors.InvalidArgument("intent is required")
+	}
+	if intent.GetAmount() == nil {
+		return merrors.InvalidArgument("intent.amount is required")
+	}
+	return nil
+}
+
+func ensurePaymentsStore(repo storage.Repository) (storage.PaymentsStore, error) {
+	if repo == nil {
+		return nil, errStorageUnavailable
+	}
+	store := repo.Payments()
+	if store == nil {
+		return nil, errStorageUnavailable
+	}
+	return store, nil
+}
+
+func ensureQuotesStore(repo storage.Repository) (storage.QuotesStore, error) {
+	if repo == nil {
+		return nil, errStorageUnavailable
+	}
+	store := repo.Quotes()
+	if store == nil {
+		return nil, errStorageUnavailable
+	}
+	return store, nil
+}
+
+func getPaymentByIdempotencyKey(ctx context.Context, store storage.PaymentsStore, orgID primitive.ObjectID, key string) (*model.Payment, error) {
+	payment, err := store.GetByIdempotencyKey(ctx, orgID, key)
+	if err != nil {
+		return nil, err
+	}
+	return payment, nil
+}
+
+type quoteResolutionInput struct {
+	OrgRef         string
+	OrgID          primitive.ObjectID
+	Meta           *orchestratorv1.RequestMeta
+	Intent         *orchestratorv1.PaymentIntent
+	QuoteRef       string
+	IdempotencyKey string
+}
+
+type quoteResolutionError struct {
+	code string
+	err  error
+}
+
+func (e quoteResolutionError) Error() string { return e.err.Error() }
+
+func (s *Service) resolvePaymentQuote(ctx context.Context, in quoteResolutionInput) (*orchestratorv1.PaymentQuote, error) {
+	if ref := strings.TrimSpace(in.QuoteRef); ref != "" {
+		quotesStore, err := ensureQuotesStore(s.storage)
+		if err != nil {
+			return nil, err
+		}
+		record, err := quotesStore.GetByRef(ctx, in.OrgID, ref)
+		if err != nil {
+			if errors.Is(err, storage.ErrQuoteNotFound) {
+				return nil, quoteResolutionError{code: "quote_not_found", err: merrors.InvalidArgument("quote_ref not found or expired")}
+			}
+			return nil, err
+		}
+		if !record.ExpiresAt.IsZero() && s.clock.Now().After(record.ExpiresAt) {
+			return nil, quoteResolutionError{code: "quote_expired", err: merrors.InvalidArgument("quote_ref expired")}
+		}
+		if !proto.Equal(protoIntentFromModel(record.Intent), in.Intent) {
+			return nil, quoteResolutionError{code: "quote_intent_mismatch", err: merrors.InvalidArgument("quote_ref does not match intent")}
+		}
+		quote := modelQuoteToProto(record.Quote)
+		if quote == nil {
+			return nil, merrors.InvalidArgument("stored quote is empty")
+		}
+		quote.QuoteRef = ref
+		return quote, nil
+	}
+
+	req := &orchestratorv1.QuotePaymentRequest{
+		Meta:           in.Meta,
+		IdempotencyKey: in.IdempotencyKey,
+		Intent:         in.Intent,
+		PreviewOnly:    false,
+	}
+	quote, _, err := s.buildPaymentQuote(ctx, in.OrgRef, req)
+	if err != nil {
+		return nil, err
+	}
+	return quote, nil
+}
+
+func newPayment(orgID primitive.ObjectID, intent *orchestratorv1.PaymentIntent, idempotencyKey string, metadata map[string]string, quote *orchestratorv1.PaymentQuote) *model.Payment {
+	entity := &model.Payment{}
+	entity.SetID(primitive.NewObjectID())
+	entity.SetOrganizationRef(orgID)
+	entity.PaymentRef = entity.GetID().Hex()
+	entity.IdempotencyKey = idempotencyKey
+	entity.State = model.PaymentStateAccepted
+	entity.Intent = intentFromProto(intent)
+	entity.Metadata = cloneMetadata(metadata)
+	entity.LastQuote = quoteSnapshotToModel(quote)
+	entity.Normalize()
+	return entity
+}
+
+func paymentNotFoundResponder[T any](svc mservice.Type, logger mlogger.Logger, err error) gsresponse.Responder[T] {
+	if errors.Is(err, storage.ErrPaymentNotFound) {
+		return gsresponse.NotFound[T](logger, svc, err)
+	}
+	return gsresponse.Auto[T](logger, svc, err)
+}

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

@@ -0,0 +1,236 @@
+package orchestrator
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/payments/orchestrator/storage"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	mloggerfactory "github.com/tech/sendico/pkg/mlogger/factory"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+)
+
+func TestValidateMetaAndOrgRef(t *testing.T) {
+	org := primitive.NewObjectID()
+	meta := &orchestratorv1.RequestMeta{OrganizationRef: org.Hex()}
+	ref, id, err := validateMetaAndOrgRef(meta)
+	if err != nil {
+		t.Fatalf("expected nil error: %v", err)
+	}
+	if ref != org.Hex() || id != org {
+		t.Fatalf("unexpected org parsing: %s %s", ref, id.Hex())
+	}
+	if _, _, err := validateMetaAndOrgRef(nil); err == nil {
+		t.Fatalf("expected error on nil meta")
+	}
+	if _, _, err := validateMetaAndOrgRef(&orchestratorv1.RequestMeta{OrganizationRef: ""}); err == nil {
+		t.Fatalf("expected error on empty orgRef")
+	}
+	if _, _, err := validateMetaAndOrgRef(&orchestratorv1.RequestMeta{OrganizationRef: "bad"}); err == nil {
+		t.Fatalf("expected error on invalid orgRef")
+	}
+}
+
+func TestRequireIdempotencyKey(t *testing.T) {
+	if _, err := requireIdempotencyKey("   "); err == nil {
+		t.Fatalf("expected error for empty key")
+	}
+	val, err := requireIdempotencyKey(" key ")
+	if err != nil || val != "key" {
+		t.Fatalf("unexpected result %s err %v", val, err)
+	}
+}
+
+func TestNewPayment(t *testing.T) {
+	org := primitive.NewObjectID()
+	intent := &orchestratorv1.PaymentIntent{
+		Amount:         &moneyv1.Money{Currency: "USD", Amount: "10"},
+		SettlementMode: orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED,
+	}
+	quote := &orchestratorv1.PaymentQuote{QuoteRef: "q1"}
+	p := newPayment(org, intent, "idem", map[string]string{"k": "v"}, quote)
+	if p.PaymentRef == "" || p.IdempotencyKey != "idem" || p.State != model.PaymentStateAccepted {
+		t.Fatalf("unexpected payment fields: %+v", p)
+	}
+	if p.Intent.Amount == nil || p.Intent.Amount.GetAmount() != "10" {
+		t.Fatalf("intent not copied")
+	}
+	if p.Intent.SettlementMode != orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED {
+		t.Fatalf("settlement mode not preserved")
+	}
+	if p.LastQuote == nil || p.LastQuote.QuoteRef != "q1" {
+		t.Fatalf("quote not copied")
+	}
+}
+
+func TestResolvePaymentQuote_NotFound(t *testing.T) {
+	org := primitive.NewObjectID()
+	svc := &Service{
+		storage: stubRepo{quotes: &helperQuotesStore{}},
+		clock:   clockpkg.NewSystem(),
+	}
+	_, err := svc.resolvePaymentQuote(context.Background(), quoteResolutionInput{
+		OrgRef:   org.Hex(),
+		OrgID:    org,
+		Meta:     &orchestratorv1.RequestMeta{OrganizationRef: org.Hex()},
+		Intent:   &orchestratorv1.PaymentIntent{Amount: &moneyv1.Money{Currency: "USD", Amount: "1"}},
+		QuoteRef: "missing",
+	})
+	if qerr, ok := err.(quoteResolutionError); !ok || qerr.code != "quote_not_found" {
+		t.Fatalf("expected quote_not_found, got %v", err)
+	}
+}
+
+func TestResolvePaymentQuote_Expired(t *testing.T) {
+	org := primitive.NewObjectID()
+	intent := &orchestratorv1.PaymentIntent{Amount: &moneyv1.Money{Currency: "USD", Amount: "1"}}
+	record := &model.PaymentQuoteRecord{
+		QuoteRef:  "q1",
+		Intent:    intentFromProto(intent),
+		Quote:     &model.PaymentQuoteSnapshot{},
+		ExpiresAt: time.Now().Add(-time.Minute),
+	}
+	svc := &Service{
+		storage: stubRepo{quotes: &helperQuotesStore{records: map[string]*model.PaymentQuoteRecord{"q1": record}}},
+		clock:   clockpkg.NewSystem(),
+	}
+	_, err := svc.resolvePaymentQuote(context.Background(), quoteResolutionInput{
+		OrgRef:   org.Hex(),
+		OrgID:    org,
+		Meta:     &orchestratorv1.RequestMeta{OrganizationRef: org.Hex()},
+		Intent:   intent,
+		QuoteRef: "q1",
+	})
+	if qerr, ok := err.(quoteResolutionError); !ok || qerr.code != "quote_expired" {
+		t.Fatalf("expected quote_expired, got %v", err)
+	}
+}
+
+func TestInitiatePaymentIdempotency(t *testing.T) {
+	logger := mloggerfactory.NewLogger(false)
+	org := primitive.NewObjectID()
+	store := newHelperPaymentStore()
+	svc := NewService(logger, stubRepo{
+		payments: store,
+	}, WithClock(clockpkg.NewSystem()))
+	svc.ensureHandlers()
+
+	intent := &orchestratorv1.PaymentIntent{
+		Amount: &moneyv1.Money{Currency: "USD", Amount: "1"},
+	}
+	req := &orchestratorv1.InitiatePaymentRequest{
+		Meta:           &orchestratorv1.RequestMeta{OrganizationRef: org.Hex()},
+		Intent:         intent,
+		IdempotencyKey: "k1",
+	}
+	resp, err := svc.h.commands.InitiatePayment().Execute(context.Background(), req)(context.Background())
+	if err != nil {
+		t.Fatalf("first call failed: %v", err)
+	}
+	resp2, err := svc.h.commands.InitiatePayment().Execute(context.Background(), req)(context.Background())
+	if err != nil {
+		t.Fatalf("second call failed: %v", err)
+	}
+	if resp == nil || resp2 == nil || resp.Payment.GetPaymentRef() != resp2.Payment.GetPaymentRef() {
+		t.Fatalf("idempotent call returned different payments")
+	}
+}
+
+// --- test doubles ---
+
+type stubRepo struct {
+	payments storage.PaymentsStore
+	quotes   storage.QuotesStore
+	pingErr  error
+}
+
+func (s stubRepo) Ping(context.Context) error      { return s.pingErr }
+func (s stubRepo) Payments() storage.PaymentsStore { return s.payments }
+func (s stubRepo) Quotes() storage.QuotesStore     { return s.quotes }
+
+type helperPaymentStore struct {
+	byRef   map[string]*model.Payment
+	byIdem  map[string]*model.Payment
+	byChain map[string]*model.Payment
+}
+
+func newHelperPaymentStore() *helperPaymentStore {
+	return &helperPaymentStore{
+		byRef:   make(map[string]*model.Payment),
+		byIdem:  make(map[string]*model.Payment),
+		byChain: make(map[string]*model.Payment),
+	}
+}
+
+func (s *helperPaymentStore) Create(_ context.Context, p *model.Payment) error {
+	if _, ok := s.byRef[p.PaymentRef]; ok {
+		return storage.ErrDuplicatePayment
+	}
+	s.byRef[p.PaymentRef] = p
+	if p.IdempotencyKey != "" {
+		s.byIdem[p.IdempotencyKey] = p
+	}
+	if p.Execution != nil && p.Execution.ChainTransferRef != "" {
+		s.byChain[p.Execution.ChainTransferRef] = p
+	}
+	return nil
+}
+
+func (s *helperPaymentStore) Update(_ context.Context, p *model.Payment) error {
+	if p == nil {
+		return storage.ErrPaymentNotFound
+	}
+	if _, ok := s.byRef[p.PaymentRef]; !ok {
+		return storage.ErrPaymentNotFound
+	}
+	s.byRef[p.PaymentRef] = p
+	if p.IdempotencyKey != "" {
+		s.byIdem[p.IdempotencyKey] = p
+	}
+	return nil
+}
+
+func (s *helperPaymentStore) GetByPaymentRef(_ context.Context, ref string) (*model.Payment, error) {
+	if p, ok := s.byRef[ref]; ok {
+		return p, nil
+	}
+	return nil, storage.ErrPaymentNotFound
+}
+
+func (s *helperPaymentStore) GetByIdempotencyKey(_ context.Context, _ primitive.ObjectID, key string) (*model.Payment, error) {
+	if p, ok := s.byIdem[key]; ok {
+		return p, nil
+	}
+	return nil, storage.ErrPaymentNotFound
+}
+
+func (s *helperPaymentStore) GetByChainTransferRef(_ context.Context, ref string) (*model.Payment, error) {
+	if p, ok := s.byChain[ref]; ok {
+		return p, nil
+	}
+	return nil, storage.ErrPaymentNotFound
+}
+
+func (s *helperPaymentStore) List(_ context.Context, _ *model.PaymentFilter) (*model.PaymentList, error) {
+	return &model.PaymentList{}, nil
+}
+
+type helperQuotesStore struct {
+	records map[string]*model.PaymentQuoteRecord
+}
+
+func (s *helperQuotesStore) Create(_ context.Context, _ *model.PaymentQuoteRecord) error { return nil }
+
+func (s *helperQuotesStore) GetByRef(_ context.Context, _ primitive.ObjectID, ref string) (*model.PaymentQuoteRecord, error) {
+	if s.records == nil {
+		return nil, storage.ErrQuoteNotFound
+	}
+	if rec, ok := s.records[ref]; ok {
+		return rec, nil
+	}
+	return nil, storage.ErrQuoteNotFound
+}

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

@@ -12,6 +12,7 @@ import (
 	"github.com/tech/sendico/payments/orchestrator/storage"
 	"github.com/tech/sendico/payments/orchestrator/storage/model"
 	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
 	mo "github.com/tech/sendico/pkg/model"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
@@ -31,11 +32,13 @@ func TestExecutePayment_FXConversionSettled(t *testing.T) {
 		logger:  zap.NewNop(),
 		clock:   testClock{now: time.Now()},
 		storage: repo,
-		ledger: ledgerDependency{client: &ledgerclient.Fake{
+		deps: serviceDependencies{
-			ApplyFXWithChargesFn: func(ctx context.Context, req *ledgerv1.FXRequest) (*ledgerv1.PostResponse, error) {
+			ledger: ledgerDependency{client: &ledgerclient.Fake{
-				return &ledgerv1.PostResponse{JournalEntryRef: "fx-entry"}, nil
+				ApplyFXWithChargesFn: func(ctx context.Context, req *ledgerv1.FXRequest) (*ledgerv1.PostResponse, error) {
-			},
+					return &ledgerv1.PostResponse{JournalEntryRef: "fx-entry"}, nil
-		}},
+				},
+			}},
+		},
 	}
 
 	payment := &model.Payment{
@@ -87,11 +90,13 @@ func TestExecutePayment_ChainFailure(t *testing.T) {
 		logger:  zap.NewNop(),
 		clock:   testClock{now: time.Now()},
 		storage: repo,
-		gateway: gatewayDependency{client: &chainclient.Fake{
+		deps: serviceDependencies{
-			SubmitTransferFn: func(ctx context.Context, req *chainv1.SubmitTransferRequest) (*chainv1.SubmitTransferResponse, error) {
+			gateway: gatewayDependency{client: &chainclient.Fake{
-				return nil, errors.New("chain failure")
+				SubmitTransferFn: func(ctx context.Context, req *chainv1.SubmitTransferRequest) (*chainv1.SubmitTransferResponse, error) {
-			},
+					return nil, errors.New("chain failure")
-		}},
+				},
+			}},
+		},
 	}
 
 	payment := &model.Payment{
@@ -145,6 +150,7 @@ func TestProcessTransferUpdateHandler_Settled(t *testing.T) {
 		clock:   testClock{now: time.Now()},
 		storage: &stubRepository{store: store},
 	}
+	svc.h.events = newPaymentEventHandler(svc.storage, svc.ensureRepository, svc.logger)
 
 	req := &orchestratorv1.ProcessTransferUpdateRequest{
 		Event: &chainv1.TransferStatusChangedEvent{
@@ -155,7 +161,7 @@ func TestProcessTransferUpdateHandler_Settled(t *testing.T) {
 		},
 	}
 
-	reSP, err := gsresponse.Execute(ctx, svc.processTransferUpdateHandler(ctx, req))
+	reSP, err := gsresponse.Execute(ctx, svc.h.events.processTransferUpdate(ctx, req))
 	if err != nil {
 		t.Fatalf("handler returned error: %v", err)
 	}
@@ -188,6 +194,7 @@ func TestProcessDepositObservedHandler_MatchesPayment(t *testing.T) {
 		clock:   testClock{now: time.Now()},
 		storage: &stubRepository{store: store},
 	}
+	svc.h.events = newPaymentEventHandler(svc.storage, svc.ensureRepository, svc.logger)
 
 	req := &orchestratorv1.ProcessDepositObservedRequest{
 		Event: &chainv1.WalletDepositObservedEvent{
@@ -196,7 +203,7 @@ func TestProcessDepositObservedHandler_MatchesPayment(t *testing.T) {
 		},
 	}
 
-	reSP, err := gsresponse.Execute(ctx, svc.processDepositObservedHandler(ctx, req))
+	reSP, err := gsresponse.Execute(ctx, svc.h.events.processDepositObserved(ctx, req))
 	if err != nil {
 		t.Fatalf("handler returned error: %v", err)
 	}
@@ -208,11 +215,43 @@ func TestProcessDepositObservedHandler_MatchesPayment(t *testing.T) {
 // ----------------------------------------------------------------------
 
 type stubRepository struct {
-	store *stubPaymentsStore
+	store  *stubPaymentsStore
+	quotes storage.QuotesStore
 }
 
 func (r *stubRepository) Ping(context.Context) error      { return nil }
 func (r *stubRepository) Payments() storage.PaymentsStore { return r.store }
+func (r *stubRepository) Quotes() storage.QuotesStore {
+	if r.quotes != nil {
+		return r.quotes
+	}
+	return &stubQuotesStore{}
+}
+
+type stubQuotesStore struct {
+	quotes map[string]*model.PaymentQuoteRecord
+}
+
+func (s *stubQuotesStore) Create(ctx context.Context, quote *model.PaymentQuoteRecord) error {
+	if quote == nil {
+		return merrors.InvalidArgument("nil quote")
+	}
+	if s.quotes == nil {
+		s.quotes = map[string]*model.PaymentQuoteRecord{}
+	}
+	s.quotes[strings.TrimSpace(quote.QuoteRef)] = quote
+	return nil
+}
+
+func (s *stubQuotesStore) GetByRef(ctx context.Context, orgRef primitive.ObjectID, quoteRef string) (*model.PaymentQuoteRecord, error) {
+	if s.quotes == nil {
+		return nil, storage.ErrQuoteNotFound
+	}
+	if q, ok := s.quotes[strings.TrimSpace(quoteRef)]; ok {
+		return q, nil
+	}
+	return nil, storage.ErrQuoteNotFound
+}
 
 type stubPaymentsStore struct {
 	payments map[string]*model.Payment

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

@@ -11,6 +11,7 @@ import (
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 )
 
 // PaymentKind captures the orchestrator intent type.
@@ -57,6 +58,7 @@ const (
 	EndpointTypeLedger        PaymentEndpointType = "ledger"
 	EndpointTypeManagedWallet PaymentEndpointType = "managed_wallet"
 	EndpointTypeExternalChain PaymentEndpointType = "external_chain"
+	EndpointTypeCard          PaymentEndpointType = "card"
 )
 
 // LedgerEndpoint describes ledger routing.
@@ -78,12 +80,36 @@ type ExternalChainEndpoint struct {
 	Memo    string         `bson:"memo,omitempty" json:"memo,omitempty"`
 }
 
+// CardEndpoint describes a card payout destination.
+type CardEndpoint struct {
+	Pan        string `bson:"pan,omitempty" json:"pan,omitempty"`
+	Token      string `bson:"token,omitempty" json:"token,omitempty"`
+	Cardholder string `bson:"cardholder,omitempty" json:"cardholder,omitempty"`
+	ExpMonth   uint32 `bson:"expMonth,omitempty" json:"expMonth,omitempty"`
+	ExpYear    uint32 `bson:"expYear,omitempty" json:"expYear,omitempty"`
+	Country    string `bson:"country,omitempty" json:"country,omitempty"`
+	MaskedPan  string `bson:"maskedPan,omitempty" json:"maskedPan,omitempty"`
+}
+
+// CardPayout stores gateway payout tracking info.
+type CardPayout struct {
+	PayoutRef         string `bson:"payoutRef,omitempty" json:"payoutRef,omitempty"`
+	ProviderPaymentID string `bson:"providerPaymentId,omitempty" json:"providerPaymentId,omitempty"`
+	Status            string `bson:"status,omitempty" json:"status,omitempty"`
+	FailureReason     string `bson:"failureReason,omitempty" json:"failureReason,omitempty"`
+	CardCountry       string `bson:"cardCountry,omitempty" json:"cardCountry,omitempty"`
+	MaskedPan         string `bson:"maskedPan,omitempty" json:"maskedPan,omitempty"`
+	ProviderCode      string `bson:"providerCode,omitempty" json:"providerCode,omitempty"`
+	GatewayReference  string `bson:"gatewayReference,omitempty" json:"gatewayReference,omitempty"`
+}
+
 // PaymentEndpoint is a polymorphic payment destination/source.
 type PaymentEndpoint struct {
 	Type          PaymentEndpointType    `bson:"type" json:"type"`
 	Ledger        *LedgerEndpoint        `bson:"ledger,omitempty" json:"ledger,omitempty"`
 	ManagedWallet *ManagedWalletEndpoint `bson:"managedWallet,omitempty" json:"managedWallet,omitempty"`
 	ExternalChain *ExternalChainEndpoint `bson:"externalChain,omitempty" json:"externalChain,omitempty"`
+	Card          *CardEndpoint          `bson:"card,omitempty" json:"card,omitempty"`
 	Metadata      map[string]string      `bson:"metadata,omitempty" json:"metadata,omitempty"`
 }
 
@@ -99,14 +125,15 @@ type FXIntent struct {
 
 // PaymentIntent models the requested payment operation.
 type PaymentIntent struct {
-	Kind        PaymentKind             `bson:"kind" json:"kind"`
+	Kind           PaymentKind                   `bson:"kind" json:"kind"`
-	Source      PaymentEndpoint         `bson:"source" json:"source"`
+	Source         PaymentEndpoint               `bson:"source" json:"source"`
-	Destination PaymentEndpoint         `bson:"destination" json:"destination"`
+	Destination    PaymentEndpoint               `bson:"destination" json:"destination"`
-	Amount      *moneyv1.Money          `bson:"amount" json:"amount"`
+	Amount         *moneyv1.Money                `bson:"amount" json:"amount"`
-	RequiresFX  bool                    `bson:"requiresFx,omitempty" json:"requiresFx,omitempty"`
+	RequiresFX     bool                          `bson:"requiresFx,omitempty" json:"requiresFx,omitempty"`
-	FX          *FXIntent               `bson:"fx,omitempty" json:"fx,omitempty"`
+	FX             *FXIntent                     `bson:"fx,omitempty" json:"fx,omitempty"`
-	FeePolicy   *feesv1.PolicyOverrides `bson:"feePolicy,omitempty" json:"feePolicy,omitempty"`
+	FeePolicy      *feesv1.PolicyOverrides       `bson:"feePolicy,omitempty" json:"feePolicy,omitempty"`
-	Attributes  map[string]string       `bson:"attributes,omitempty" json:"attributes,omitempty"`
+	SettlementMode orchestratorv1.SettlementMode `bson:"settlementMode,omitempty" json:"settlementMode,omitempty"`
+	Attributes     map[string]string             `bson:"attributes,omitempty" json:"attributes,omitempty"`
 }
 
 // PaymentQuoteSnapshot stores the latest quote info.
@@ -118,7 +145,7 @@ type PaymentQuoteSnapshot struct {
 	FeeRules                 []*feesv1.AppliedRule                `bson:"feeRules,omitempty" json:"feeRules,omitempty"`
 	FXQuote                  *oraclev1.Quote                      `bson:"fxQuote,omitempty" json:"fxQuote,omitempty"`
 	NetworkFee               *chainv1.EstimateTransferFeeResponse `bson:"networkFee,omitempty" json:"networkFee,omitempty"`
-	FeeQuoteToken            string                               `bson:"feeQuoteToken,omitempty" json:"feeQuoteToken,omitempty"`
+	QuoteRef                 string                               `bson:"quoteRef,omitempty" json:"quoteRef,omitempty"`
 }
 
 // ExecutionRefs links to downstream systems.
@@ -127,6 +154,8 @@ type ExecutionRefs struct {
 	CreditEntryRef   string `bson:"creditEntryRef,omitempty" json:"creditEntryRef,omitempty"`
 	FXEntryRef       string `bson:"fxEntryRef,omitempty" json:"fxEntryRef,omitempty"`
 	ChainTransferRef string `bson:"chainTransferRef,omitempty" json:"chainTransferRef,omitempty"`
+	CardPayoutRef    string `bson:"cardPayoutRef,omitempty" json:"cardPayoutRef,omitempty"`
+	FeeTransferRef   string `bson:"feeTransferRef,omitempty" json:"feeTransferRef,omitempty"`
 }
 
 // Payment persists orchestrated payment lifecycle.
@@ -143,6 +172,7 @@ type Payment struct {
 	LastQuote      *PaymentQuoteSnapshot `bson:"lastQuote,omitempty" json:"lastQuote,omitempty"`
 	Execution      *ExecutionRefs        `bson:"execution,omitempty" json:"execution,omitempty"`
 	Metadata       map[string]string     `bson:"metadata,omitempty" json:"metadata,omitempty"`
+	CardPayout     *CardPayout           `bson:"cardPayout,omitempty" json:"cardPayout,omitempty"`
 }
 
 // Collection implements storable.Storable.
@@ -222,5 +252,13 @@ func normalizeEndpoint(ep *PaymentEndpoint) {
 				ep.ExternalChain.Asset.ContractAddress = strings.TrimSpace(strings.ToLower(ep.ExternalChain.Asset.ContractAddress))
 			}
 		}
+	case EndpointTypeCard:
+		if ep.Card != nil {
+			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.Country = strings.TrimSpace(ep.Card.Country)
+			ep.Card.MaskedPan = strings.TrimSpace(ep.Card.MaskedPan)
+		}
 	}
 }

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

@@ -0,0 +1,26 @@
+package model
+
+import (
+	"time"
+
+	"github.com/tech/sendico/pkg/db/storable"
+	"github.com/tech/sendico/pkg/model"
+)
+
+// PaymentQuoteRecord stores a quoted payment snapshot for later execution.
+type PaymentQuoteRecord struct {
+	storable.Base               `bson:",inline" json:",inline"`
+	model.OrganizationBoundBase `bson:",inline" json:",inline"`
+
+	QuoteRef  string                  `bson:"quoteRef" json:"quoteRef"`
+	Intent    PaymentIntent           `bson:"intent,omitempty" json:"intent,omitempty"`
+	Intents   []PaymentIntent         `bson:"intents,omitempty" json:"intents,omitempty"`
+	Quote     *PaymentQuoteSnapshot   `bson:"quote,omitempty" json:"quote,omitempty"`
+	Quotes    []*PaymentQuoteSnapshot `bson:"quotes,omitempty" json:"quotes,omitempty"`
+	ExpiresAt time.Time               `bson:"expiresAt" json:"expiresAt"`
+}
+
+// Collection implements storable.Storable.
+func (*PaymentQuoteRecord) Collection() string {
+	return "payment_quotes"
+}

api/payments/orchestrator/storage/mongo/repository.go

@@ -18,6 +18,7 @@ type Store struct {
 	ping   func(context.Context) error
 
 	payments storage.PaymentsStore
+	quotes   storage.QuotesStore
 }
 
 // New constructs a Mongo-backed payments repository from a Mongo connection.
@@ -25,28 +26,37 @@ func New(logger mlogger.Logger, conn *db.MongoConnection) (*Store, error) {
 	if conn == nil {
 		return nil, merrors.InvalidArgument("payments.storage.mongo: connection is nil")
 	}
-	repo := repository.CreateMongoRepository(conn.Database(), (&model.Payment{}).Collection())
+	paymentsRepo := repository.CreateMongoRepository(conn.Database(), (&model.Payment{}).Collection())
-	return NewWithRepository(logger, conn.Ping, repo)
+	quotesRepo := repository.CreateMongoRepository(conn.Database(), (&model.PaymentQuoteRecord{}).Collection())
+	return NewWithRepository(logger, conn.Ping, paymentsRepo, quotesRepo)
 }
 
 // NewWithRepository constructs a payments repository using the provided primitives.
-func NewWithRepository(logger mlogger.Logger, ping func(context.Context) error, paymentsRepo repository.Repository) (*Store, error) {
+func NewWithRepository(logger mlogger.Logger, ping func(context.Context) error, paymentsRepo repository.Repository, quotesRepo repository.Repository) (*Store, error) {
 	if ping == nil {
 		return nil, merrors.InvalidArgument("payments.storage.mongo: ping func is nil")
 	}
 	if paymentsRepo == nil {
 		return nil, merrors.InvalidArgument("payments.storage.mongo: payments repository is nil")
 	}
+	if quotesRepo == nil {
+		return nil, merrors.InvalidArgument("payments.storage.mongo: quotes repository is nil")
+	}
 
 	childLogger := logger.Named("storage").Named("mongo")
 	paymentsStore, err := store.NewPayments(childLogger, paymentsRepo)
 	if err != nil {
 		return nil, err
 	}
+	quotesStore, err := store.NewQuotes(childLogger, quotesRepo)
+	if err != nil {
+		return nil, err
+	}
 	result := &Store{
 		logger:   childLogger,
 		ping:     ping,
 		payments: paymentsStore,
+		quotes:   quotesStore,
 	}
 
 	return result, nil
@@ -65,4 +75,9 @@ func (s *Store) Payments() storage.PaymentsStore {
 	return s.payments
 }
 
+// Quotes returns the quotes store.
+func (s *Store) Quotes() storage.QuotesStore {
+	return s.quotes
+}
+
 var _ storage.Repository = (*Store)(nil)

api/payments/orchestrator/storage/mongo/store/quotes.go

@@ -0,0 +1,127 @@
+package store
+
+import (
+	"context"
+	"errors"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/payments/orchestrator/storage"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	"github.com/tech/sendico/pkg/db/repository"
+	ri "github.com/tech/sendico/pkg/db/repository/index"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+type Quotes struct {
+	logger mlogger.Logger
+	repo   repository.Repository
+}
+
+// NewQuotes constructs a Mongo-backed quotes store.
+func NewQuotes(logger mlogger.Logger, repo repository.Repository) (*Quotes, error) {
+	if repo == nil {
+		return nil, merrors.InvalidArgument("quotesStore: repository is nil")
+	}
+
+	indexes := []*ri.Definition{
+		{
+			Keys:   []ri.Key{{Field: "quoteRef", Sort: ri.Asc}},
+			Unique: true,
+		},
+		{
+			Keys: []ri.Key{{Field: "organizationRef", Sort: ri.Asc}},
+		},
+		{
+			Keys: []ri.Key{{Field: "expiresAt", Sort: ri.Asc}},
+			TTL:  int32Ptr(0),
+		},
+	}
+
+	for _, def := range indexes {
+		if err := repo.CreateIndex(def); err != nil {
+			logger.Error("failed to ensure quotes index", zap.Error(err), zap.String("collection", repo.Collection()))
+			return nil, err
+		}
+	}
+
+	return &Quotes{
+		logger: logger.Named("quotes"),
+		repo:   repo,
+	}, nil
+}
+
+func (q *Quotes) Create(ctx context.Context, quote *model.PaymentQuoteRecord) error {
+	if quote == nil {
+		return merrors.InvalidArgument("quotesStore: nil quote")
+	}
+	quote.QuoteRef = strings.TrimSpace(quote.QuoteRef)
+	if quote.QuoteRef == "" {
+		return merrors.InvalidArgument("quotesStore: empty quoteRef")
+	}
+	if quote.OrganizationRef == primitive.NilObjectID {
+		return merrors.InvalidArgument("quotesStore: organization_ref is required")
+	}
+	if quote.ExpiresAt.IsZero() {
+		return merrors.InvalidArgument("quotesStore: expires_at is required")
+	}
+	if quote.Intent.Attributes != nil {
+		for k, v := range quote.Intent.Attributes {
+			quote.Intent.Attributes[k] = strings.TrimSpace(v)
+		}
+	}
+	if len(quote.Intents) > 0 {
+		for i := range quote.Intents {
+			if quote.Intents[i].Attributes == nil {
+				continue
+			}
+			for k, v := range quote.Intents[i].Attributes {
+				quote.Intents[i].Attributes[k] = strings.TrimSpace(v)
+			}
+		}
+	}
+	quote.Update()
+
+	filter := repository.OrgFilter(quote.OrganizationRef).And(
+		repository.Filter("quoteRef", quote.QuoteRef),
+	)
+
+	if err := q.repo.Insert(ctx, quote, filter); err != nil {
+		if errors.Is(err, merrors.ErrDataConflict) {
+			return storage.ErrDuplicateQuote
+		}
+		return err
+	}
+	return nil
+}
+
+func (q *Quotes) GetByRef(ctx context.Context, orgRef primitive.ObjectID, quoteRef string) (*model.PaymentQuoteRecord, error) {
+	quoteRef = strings.TrimSpace(quoteRef)
+	if quoteRef == "" {
+		return nil, merrors.InvalidArgument("quotesStore: empty quoteRef")
+	}
+	if orgRef == primitive.NilObjectID {
+		return nil, merrors.InvalidArgument("quotesStore: organization_ref is required")
+	}
+	entity := &model.PaymentQuoteRecord{}
+	query := repository.OrgFilter(orgRef).And(repository.Filter("quoteRef", quoteRef))
+	if err := q.repo.FindOneByFilter(ctx, query, entity); err != nil {
+		if errors.Is(err, merrors.ErrNoData) {
+			return nil, storage.ErrQuoteNotFound
+		}
+		return nil, err
+	}
+	if !entity.ExpiresAt.IsZero() && time.Now().After(entity.ExpiresAt) {
+		return nil, storage.ErrQuoteNotFound
+	}
+	return entity, nil
+}
+
+var _ storage.QuotesStore = (*Quotes)(nil)
+
+func int32Ptr(v int32) *int32 {
+	return &v
+}