Merge pull request 'fixed fee polarity' (#101) from currency-100 into main

Reviewed-on: #101

.gitignore

@@ -8,4 +8,5 @@ devtools_options.yaml
 untranslated.txt
 generate_protos.sh
 update_dep.sh
-.vscode/
+.vscode/
+.gocache/

api/billing/fees/go.mod

@@ -50,5 +50,5 @@ require (
 	golang.org/x/sys v0.39.0 // indirect
 	golang.org/x/text v0.32.0 // indirect
 	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 )

api/billing/fees/go.sum

@@ -216,8 +216,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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/internal/calculator/impl.go

@@ -90,10 +90,6 @@ func (c *quoteCalculator) Compute(ctx context.Context, plan *model.FeePlan, inte
 		}
 
 		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 {
@@ -113,7 +109,8 @@ func (c *quoteCalculator) Compute(ctx context.Context, plan *model.FeePlan, inte
 
 		entrySide := mapEntrySide(rule.EntrySide)
 		if entrySide == accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED {
-			entrySide = accountingv1.EntrySide_ENTRY_SIDE_CREDIT
+			// 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{

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

@@ -38,23 +38,23 @@ func New(plans storage.PlansStore, logger *zap.Logger) *feeResolver {
 	}
 }
 
-func (r *feeResolver) ResolveFeeRule(ctx context.Context, orgID *primitive.ObjectID, trigger model.Trigger, at time.Time, attrs map[string]string) (*model.FeePlan, *model.FeeRule, error) {
+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 orgID != nil && !orgID.IsZero() {
-		if plan, err := r.getOrgPlan(ctx, *orgID, at); err == nil {
+	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", orgID.Hex()))
+				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", orgID.Hex()))
+			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", orgID.Hex()))
+			r.logger.Warn("failed resolving org fee plan", zap.Error(err), zap.String("org_ref", orgRef.Hex()))
 			return nil, nil, err
 		}
 	}

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

@@ -32,8 +32,8 @@ func TestResolver_GlobalFallbackWhenOrgMissing(t *testing.T) {
 	if err != nil {
 		t.Fatalf("expected fallback to global, got error: %v", err)
 	}
-	if !plan.GetOrganizationRef().IsZero() {
-		t.Fatalf("expected global plan, got orgRef %s", plan.GetOrganizationRef().Hex())
+	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)
@@ -59,8 +59,7 @@ func TestResolver_OrgOverridesGlobal(t *testing.T) {
 			{RuleID: "org_capture", Trigger: model.TriggerCapture, Priority: 10, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
 		},
 	}
-	orgPlan.SetOrganizationRef(org)
-
+	orgPlan.OrganizationRef = &org
 	store := &memoryPlansStore{plans: []*model.FeePlan{globalPlan, orgPlan}}
 	resolver := New(store, zap.NewNop())
 
@@ -95,7 +94,7 @@ func TestResolver_SelectsHighestPriority(t *testing.T) {
 			{RuleID: "high", Trigger: model.TriggerCapture, Priority: 200, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
 		},
 	}
-	plan.SetOrganizationRef(org)
+	plan.OrganizationRef = &org
 
 	store := &memoryPlansStore{plans: []*model.FeePlan{plan}}
 	resolver := New(store, zap.NewNop())
@@ -136,7 +135,7 @@ func TestResolver_EffectiveDateFiltering(t *testing.T) {
 			{RuleID: "expired", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: past, EffectiveTo: &past},
 		},
 	}
-	orgPlan.SetOrganizationRef(org)
+	orgPlan.OrganizationRef = &org
 
 	globalPlan := &model.FeePlan{
 		Active:        true,
@@ -221,7 +220,7 @@ func TestResolver_MultipleActivePlansConflict(t *testing.T) {
 			{RuleID: "r1", Trigger: model.TriggerCapture, Priority: 10, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
 		},
 	}
-	p1.SetOrganizationRef(org)
+	p1.OrganizationRef = &org
 	p2 := &model.FeePlan{
 		Active:        true,
 		EffectiveFrom: now.Add(-30 * time.Minute),
@@ -229,7 +228,7 @@ func TestResolver_MultipleActivePlansConflict(t *testing.T) {
 			{RuleID: "r2", Trigger: model.TriggerCapture, Priority: 20, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
 		},
 	}
-	p2.SetOrganizationRef(org)
+	p2.OrganizationRef = &org
 
 	store := &memoryPlansStore{plans: []*model.FeePlan{p1, p2}}
 	resolver := New(store, zap.NewNop())
@@ -263,7 +262,7 @@ func (m *memoryPlansStore) GetActivePlan(ctx context.Context, orgRef primitive.O
 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.GetOrganizationRef() != orgRef {
+		if plan == nil || plan.OrganizationRef == nil || plan.OrganizationRef.IsZero() || (*plan.OrganizationRef != orgRef) {
 			continue
 		}
 		if !plan.Active {
@@ -289,7 +288,7 @@ func (m *memoryPlansStore) FindActiveOrgPlan(_ context.Context, orgRef primitive
 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.GetOrganizationRef().IsZero() {
+		if plan == nil || ((plan.OrganizationRef != nil) && !plan.OrganizationRef.IsZero()) {
 			continue
 		}
 		if !plan.Active {

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/service.go

@@ -72,26 +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 {
-		trigger = req.GetIntent().GetTrigger()
+	if intent != nil {
+		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
 	}
@@ -112,20 +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 {
-		trigger = req.GetIntent().GetTrigger()
+	if intent != nil {
+		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
 	}
@@ -134,6 +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
 	}
@@ -148,7 +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(),
@@ -159,7 +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
 	}
@@ -176,9 +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 {
@@ -191,9 +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
 	}
@@ -202,21 +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
 	}
@@ -280,6 +387,16 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 		bookedAt = intent.GetBookedAt().AsTime()
 	}
 
+	logFields := []zap.Field{
+		zap.Time("booked_at_used", bookedAt),
+	}
+	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
@@ -288,7 +405,7 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 	plan, rule, err := s.resolver.ResolveFeeRule(ctx, orgPtr, convertTrigger(intent.GetTrigger()), bookedAt, intent.GetAttributes())
 	if err != nil {
 		switch {
-	case errors.Is(err, merrors.ErrNoData):
+		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")
@@ -297,7 +414,7 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 		case errors.Is(err, storage.ErrFeePlanNotFound):
 			return nil, nil, nil, status.Error(codes.NotFound, "fee plan not found")
 		default:
-			s.logger.Warn("failed to resolve fee rule", zap.Error(err))
+			logger.Warn("failed to resolve fee rule", zap.Error(err))
 			return nil, nil, nil, status.Error(codes.Internal, "failed to resolve fee rule")
 		}
 	}
@@ -313,7 +430,7 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 		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

@@ -49,7 +49,7 @@ func TestQuoteFees_ComputesDerivedLines(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -163,7 +163,7 @@ func TestQuoteFees_FiltersByAttributesAndDates(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -224,7 +224,7 @@ func TestQuoteFees_RoundingDown(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -277,7 +277,7 @@ func TestQuoteFees_UsesInjectedCalculator(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	result := &types.CalculationResult{
 		Lines: []*feesv1.DerivedPostingLine{
@@ -353,7 +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) {
@@ -452,7 +452,7 @@ func (s *stubPlansStore) FindActiveOrgPlan(_ context.Context, orgRef primitive.O
 	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 {

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"`
-	model.OrganizationBoundBase `bson:",inline" json:",inline"`
-	model.Describable           `bson:",inline" json:",inline"`
-	Active                      bool              `bson:"active"             json:"active"`
-	EffectiveFrom               time.Time         `bson:"effectiveFrom"      json:"effectiveFrom"`
-	EffectiveTo                 *time.Time        `bson:"effectiveTo,omitempty" json:"effectiveTo,omitempty"`
-	Rules                       []FeeRule         `bson:"rules,omitempty"    json:"rules,omitempty"`
-	Metadata                    map[string]string `bson:"metadata,omitempty" json:"metadata,omitempty"`
+	storable.Base     `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"`
+	EffectiveFrom     time.Time           `bson:"effectiveFrom"      json:"effectiveFrom"`
+	EffectiveTo       *time.Time          `bson:"effectiveTo,omitempty" json:"effectiveTo,omitempty"`
+	Rules             []FeeRule           `bson:"rules,omitempty"    json:"rules,omitempty"`
+	Metadata          map[string]string   `bson:"metadata,omitempty" json:"metadata,omitempty"`
 }
 
 // Collection implements storable.Storable.

api/fx/ingestor/config.yml

@@ -11,12 +11,18 @@ market:
     - 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"

api/fx/ingestor/go.mod

@@ -51,5 +51,5 @@ require (
 	golang.org/x/text v0.32.0 // 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

@@ -216,8 +216,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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/ingestor/service.go

@@ -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)
@@ -96,14 +97,24 @@ 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
 }
 
@@ -115,7 +126,7 @@ func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 
 	ticker, err := connector.FetchTicker(ctx, pair.Symbol)
 	if err != nil {
-		return merrors.InternalWrap(err, "fetch ticker")
+		return merrors.InternalWrap(err, "fetch ticker: "+pair.Symbol)
 	}
 
 	bid, err := parseDecimal(ticker.BidPrice)
@@ -172,9 +183,14 @@ func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 	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

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

@@ -23,7 +23,7 @@ import (
 type cbrConnector struct {
 	id            mmodel.Driver
 	provider      string
-	client        *http.Client
+	http          *httpClient
 	base          string
 	dailyPath     string
 	directoryPath string
@@ -60,6 +60,8 @@ func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Conne
 	directoryPath := defaultDirectoryPath
 	dailyPath := defaultDailyPath
 	dynamicPath := defaultDynamicPath
+	userAgent := defaultUserAgent
+	acceptHeader := defaultAccept
 
 	if settings != nil {
 		if value, ok := settings["base_url"].(string); ok && strings.TrimSpace(value) != "" {
@@ -77,6 +79,12 @@ func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Conne
 		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)
@@ -99,13 +107,24 @@ func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Conne
 		transport = customTransport
 	}
 
+	client := &http.Client{
+		Timeout:   requestTimeout,
+		Transport: transport,
+	}
+	referer := parsed.String()
+
 	connector := &cbrConnector{
 		id:       mmodel.DriverCBR,
 		provider: provider,
-		client: &http.Client{
-			Timeout:   requestTimeout,
-			Transport: transport,
-		},
+		http: newHTTPClient(
+			logger,
+			client,
+			httpClientOptions{
+				userAgent: userAgent,
+				accept:    acceptHeader,
+				referer:   referer,
+			},
+		),
 		base:          strings.TrimRight(parsed.String(), "/"),
 		dailyPath:     dailyPath,
 		directoryPath: directoryPath,
@@ -161,20 +180,32 @@ func (c *cbrConnector) refreshDirectory() error {
 		return err
 	}
 
-	req, err := http.NewRequest(http.MethodGet, endpoint, nil)
+	req, err := c.http.NewRequest(context.Background(), http.MethodGet, endpoint)
 	if err != nil {
 		return merrors.InternalWrap(err, "cbr: build directory request")
 	}
 
-	resp, err := c.client.Do(req)
+	resp, err := c.http.Do(req)
 	if err != nil {
-		c.logger.Warn("CBR directory request failed", zap.Error(err))
+		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))
+		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))
 	}
 
@@ -183,12 +214,13 @@ func (c *cbrConnector) refreshDirectory() error {
 
 	var directory valuteDirectory
 	if err := decoder.Decode(&directory); err != nil {
-		c.logger.Warn("CBR directory decode failed", zap.Error(err))
+		c.logger.Warn("CBR directory decode failed", zap.Error(err), zap.String("endpoint", endpoint))
 		return merrors.InternalWrap(err, "cbr: decode directory")
 	}
 
-	mapping, err := buildValuteMapping(directory.Items)
+	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
 	}
 
@@ -200,23 +232,32 @@ func (c *cbrConnector) refreshDirectory() error {
 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 := http.NewRequestWithContext(ctx, http.MethodGet, endpoint, nil)
+	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.client.Do(req)
+	resp, err := c.http.Do(req)
 	if err != nil {
-		c.logger.Warn("CBR daily request failed", zap.String("currency", valute.ISOCharCode), zap.Error(err))
+		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))
+		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))
 	}
 
@@ -225,7 +266,9 @@ func (c *cbrConnector) fetchDailyRate(ctx context.Context, valute valuteInfo) (s
 
 	var payload dailyRates
 	if err := decoder.Decode(&payload); err != nil {
-		c.logger.Warn("CBR daily decode failed", zap.Error(err))
+		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")
 	}
 
@@ -247,25 +290,40 @@ func (c *cbrConnector) fetchHistoricalRate(ctx context.Context, valute valuteInf
 		"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 := http.NewRequestWithContext(ctx, http.MethodGet, endpoint, nil)
+	req, err := c.http.NewRequest(ctx, http.MethodGet, endpoint)
 	if err != nil {
 		return "", merrors.InternalWrap(err, "cbr: build historical request")
 	}
 
-	resp, err := c.client.Do(req)
+	resp, err := c.http.Do(req)
 	if err != nil {
-		c.logger.Warn("CBR historical request failed", zap.String("currency", valute.ISOCharCode), zap.Error(err))
+		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))
+		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))
 	}
 
@@ -274,7 +332,13 @@ func (c *cbrConnector) fetchHistoricalRate(ctx context.Context, valute valuteInf
 
 	var payload dynamicRates
 	if err := decoder.Decode(&payload); err != nil {
-		c.logger.Warn("CBR historical decode failed", zap.Error(err))
+		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")
 	}
 
@@ -337,7 +401,7 @@ type valuteMapping struct {
 	byID  map[string]valuteInfo
 }
 
-func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
+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))
@@ -348,12 +412,19 @@ func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
 		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 == "" {
-			return nil, merrors.InvalidDataType("cbr: directory contains entry with empty id or iso code")
+			logger.Info("Skipping invalid currency entry",
+				zap.String("id", id),
+				zap.String("iso_char", isoChar),
+				zap.String("name", name),
+			)
+			continue
 		}
 
 		info := valuteInfo{
@@ -365,12 +436,76 @@ func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
 			Nominal:     nominal,
 		}
 
-		if existing, ok := byISO[isoChar]; ok && existing.ID != id {
-			return nil, merrors.InvalidDataType("cbr: duplicate ISO code " + isoChar)
+		// 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)
@@ -378,6 +513,8 @@ func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
 			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
 	}

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/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))
-	}
-
-	if err := application.Run(ctx); err != nil {
-		if errors.Is(err, context.Canceled) {
-			logger.Info("FX ingestor stopped")
-			return
+		logger.Error("Failed to initialise application", zap.Error(err))
+	} else {
+		if err := application.Run(ctx); err != nil {
+			if errors.Is(err, context.Canceled) {
+				logger.Info("FX ingestor stopped")
+				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

@@ -14,7 +14,7 @@ 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
 )
 

api/fx/oracle/go.sum

@@ -216,8 +216,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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(),
-		TraceRef:       deriveTraceRef(meta, trace),
-		IdempotencyKey: deriveIdempotencyKey(meta, trace),
+		TenantRef: meta.GetTenantRef(),
+	}
+
+	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"},
-					QuoteAmount:     model.Money{Currency: "EUR", Amount: "110"},
+					BaseAmount:      smodel.Money{Currency: "USD", Amount: "100"},
+					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 {
-		trace = &tracev1.TraceContext{
-			RequestRef:     meta.GetRequestRef(),
-			IdempotencyKey: meta.GetIdempotencyKey(),
-			TraceRef:       meta.GetTraceRef(),
-		}
+	if trace != nil {
+		resp.Trace = trace
 	}
-	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

@@ -28,5 +28,5 @@ require (
 	golang.org/x/crypto v0.46.0 // indirect
 	golang.org/x/sync v0.19.0 // 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

@@ -169,7 +169,7 @@ golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBn
 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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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"`
-	QuoteAmount            Money           `bson:"quoteAmount" json:"quoteAmount"`
+	BaseAmount             model.Money     `bson:"baseAmount" json:"baseAmount"`
+	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/go.mod

@@ -16,13 +16,13 @@ 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 v0.0.0-20251208031133-be43a854e4be // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251211224604-2e727cd2e6fe // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bits-and-blooms/bitset v1.24.4 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect

api/gateway/chain/go.sum

@@ -6,8 +6,8 @@ github.com/DataDog/zstd v1.4.5 h1:EndNeuB0l9syBZhut0wns3gV1hL8zX8LIu6ZiVHWLIQ=
 github.com/DataDog/zstd v1.4.5/go.mod h1:1jcaCB/ufaK+sKp1NBhlGmpz41jOoPQ35bpF36t7BBo=
 github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
 github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251208031133-be43a854e4be h1:1LtMLkGIqE5IQZ7Vdh4zv8A6LECInKF86/fTVxKxYLE=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251208031133-be43a854e4be/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251211224604-2e727cd2e6fe h1:Z93WiwkZABbBBb0hGVFSF9nofjiYRvdF7PUxB75oeyE=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251211224604-2e727cd2e6fe/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=
@@ -366,8 +366,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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/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

@@ -12,7 +12,7 @@ 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
 )
 

api/gateway/mntx/go.sum

@@ -218,8 +218,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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/go.mod

@@ -12,7 +12,7 @@ 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
 )
 

api/ledger/go.sum

@@ -218,8 +218,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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

@@ -54,5 +54,5 @@ require (
 	golang.org/x/sys v0.39.0 // 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/notification/go.sum

@@ -231,8 +231,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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/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
@@ -17,12 +19,13 @@ 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
 )
 

api/payments/orchestrator/go.sum

@@ -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 v1.10.0/go.mod h1:UQnix2H7Ngw/k4C5ijL5+65zddjncjaFoBhdsK/akog=
+github.com/rogpeppe/go-internal v1.12.0 h1:exVL4IDcn6na9z1rAb56Vxr+CgyK3nn3O+epU5NdKM8=
+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=
@@ -219,8 +219,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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"`
-	Ledger          clientConfig `yaml:"ledger"`
-	Gateway         clientConfig `yaml:"gateway"`
-	Oracle          clientConfig `yaml:"oracle"`
+	Fees            clientConfig                      `yaml:"fees"`
+	Ledger          clientConfig                      `yaml:"ledger"`
+	Gateway         clientConfig                      `yaml:"gateway"`
+	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 +1,83 @@
+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) InitiatePayment() *initiatePaymentCommand {
+	return &initiatePaymentCommand{
+		engine: f.engine,
+		logger: f.logger.Named("initiate_payment"),
+	}
+}
+
+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

@@ -67,6 +67,19 @@ 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 +109,6 @@ 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()),
 	}
 }
@@ -116,6 +128,18 @@ 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 {
@@ -176,6 +200,23 @@ 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
 	}
@@ -205,6 +246,8 @@ func protoExecutionFromModel(src *model.ExecutionRefs) *orchestratorv1.Execution
 		CreditEntryRef:   src.CreditEntryRef,
 		FxEntryRef:       src.FXEntryRef,
 		ChainTransferRef: src.ChainTransferRef,
+		CardPayoutRef:    src.CardPayoutRef,
+		FeeTransferRef:   src.FeeTransferRef,
 	}
 }
 
@@ -220,7 +263,6 @@ 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),
 	}
 }
@@ -402,6 +444,18 @@ 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
 }
 
@@ -414,6 +468,8 @@ 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 +1,274 @@
+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"
+	"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 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

@@ -383,6 +383,22 @@ 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/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"
 
 	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

@@ -3,215 +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"
-	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/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, 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
-		}
-	}
-
-	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()
-	}
-	feeTotal := extractFeeTotal(feeQuote.GetLines(), feeCurrency)
-
-	var networkFee *chainv1.EstimateTransferFeeResponse
-	if shouldEstimateNetworkFee(intent) {
-		networkFee, err = s.estimateNetworkFee(ctx, intent)
-		if err != nil {
-			return nil, time.Time{}, err
-		}
-	}
-
-	debitAmount, settlementAmount := computeAggregates(payAmount, settlementAmountBeforeFees, feeTotal, networkFee, fxQuote)
-
-	quote := &orchestratorv1.PaymentQuote{
-		DebitAmount:              debitAmount,
-		ExpectedSettlementAmount: settlementAmount,
-		ExpectedFeeTotal:         feeTotal,
-		FeeLines:                 cloneFeeLines(feeQuote.GetLines()),
-		FeeRules:                 cloneFeeRules(feeQuote.GetApplied()),
-		FxQuote:                  fxQuote,
-		NetworkFee:               networkFee,
-		FeeQuoteToken:            feeQuote.GetFeeQuoteToken(),
-	}
-
-	expiresAt := quoteExpiry(s.clock.Now(), feeQuote, fxQuote)
-
-	return quote, expiresAt, nil
+type paymentExecutor struct {
+	deps   *serviceDependencies
+	logger mlogger.Logger
+	svc    *Service
 }
 
-func (s *Service) quoteFees(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest, baseAmount *moneyv1.Money) (*feesv1.PrecomputeFeesResponse, error) {
-	if !s.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.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 newPaymentExecutor(deps *serviceDependencies, logger mlogger.Logger, svc *Service) *paymentExecutor {
+	return &paymentExecutor{deps: deps, logger: logger, svc: svc}
 }
 
-func (s *Service) estimateNetworkFee(ctx context.Context, intent *orchestratorv1.PaymentIntent) (*chainv1.EstimateTransferFeeResponse, 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 {
-		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.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 {
+func (p *paymentExecutor) executePayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, quote *orchestratorv1.PaymentQuote) error {
 	if store == nil {
 		return errStorageUnavailable
 	}
@@ -219,6 +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 {
@@ -226,25 +42,26 @@ func (s *Service) executePayment(ctx context.Context, store storage.PaymentsStor
 	}
 
 	if ledgerNeeded {
-		if !s.ledger.available() {
-			return s.failPayment(ctx, store, payment, model.PaymentFailureCodeLedger, "ledger_client_unavailable", merrors.Internal("ledger_client_unavailable"))
+		if !p.deps.ledger.available() {
+			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 {
-			return s.failPayment(ctx, store, payment, model.PaymentFailureCodeLedger, strings.TrimSpace(err.Error()), err)
+		if err := p.performLedgerOperation(ctx, payment, quote, charges); err != nil {
+			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() {
-			return s.failPayment(ctx, store, payment, model.PaymentFailureCodeChain, "chain_client_unavailable", merrors.Internal("chain_client_unavailable"))
+		if !p.deps.gateway.available() {
+			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 {
@@ -255,17 +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")
@@ -285,7 +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:
@@ -303,7 +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
 		}
@@ -316,7 +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
@@ -354,7 +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
 	}
@@ -363,7 +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
@@ -389,23 +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 {
@@ -414,6 +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
@@ -432,21 +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_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)
+
+	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

@@ -19,19 +19,21 @@ func TestRequestFXQuoteUsesQuoteAmountWhenCurrencyMatchesQuote(t *testing.T) {
 	svc := &Service{
 		logger: zap.NewNop(),
 		clock:  testClock{now: time.Now()},
-		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
+		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
+					},
 				},
 			},
 		},

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

@@ -2,21 +2,14 @@ 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"
-	"google.golang.org/protobuf/proto"
 )
 
 type serviceError string
@@ -40,14 +33,33 @@ type Service struct {
 	storage storage.Repository
 	clock   clockpkg.Clock
 
-	fees    feesDependency
-	ledger  ledgerDependency
-	gateway gatewayDependency
-	oracle  oracleDependency
+	deps serviceDependencies
+	h    handlerSet
+	comp componentSet
 
 	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{
@@ -68,9 +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) {
@@ -80,474 +113,59 @@ 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)
 }
 
 // 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)
 }
 
 // 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] {
-	if err := s.ensureRepository(ctx); err != nil {
-		return gsresponse.Unavailable[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	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"))
-	}
-	orgObjectID, parseErr := primitive.ObjectIDFromHex(orgRef)
-	if parseErr != nil {
-		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("organization_ref must be a valid objectID"))
-	}
-	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, expiresAt, err := s.buildPaymentQuote(ctx, orgRef, req)
-	if err != nil {
-		return gsresponse.Auto[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-
-	if !req.GetPreviewOnly() {
-		quotesStore := s.storage.Quotes()
-		if quotesStore == nil {
-			return gsresponse.Unavailable[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-		}
-		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(orgObjectID)
-		if err := quotesStore.Create(ctx, record); err != nil {
-			return gsresponse.Auto[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-		}
-	}
-
-	return gsresponse.Success(&orchestratorv1.QuotePaymentResponse{Quote: quote})
+// ProcessCardPayoutUpdate reconciles card payout events back into payment state.
+func (s *Service) ProcessCardPayoutUpdate(ctx context.Context, req *orchestratorv1.ProcessCardPayoutUpdateRequest) (*orchestratorv1.ProcessCardPayoutUpdateResponse, error) {
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "ProcessCardPayoutUpdate", s.h.events.processCardPayoutUpdate, req)
 }
 
-func (s *Service) initiatePaymentHandler(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) gsresponse.Responder[orchestratorv1.InitiatePaymentResponse] {
-	if err := s.ensureRepository(ctx); err != nil {
-		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-	}
-	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)
-	}
-
-	quoteRef := strings.TrimSpace(req.GetQuoteRef())
-	quote := strings.TrimSpace(req.GetFeeQuoteToken())
-	var quoteSnapshot *orchestratorv1.PaymentQuote
-	if quoteRef != "" {
-		quotesStore := s.storage.Quotes()
-		if quotesStore == nil {
-			return gsresponse.Unavailable[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
-		}
-		record, err := quotesStore.GetByRef(ctx, orgObjectID, quoteRef)
-		if err != nil {
-			if err == storage.ErrQuoteNotFound {
-				return gsresponse.FailedPrecondition[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, "quote_not_found", merrors.InvalidArgument("quote_ref not found or expired"))
-			}
-			return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
-		}
-		if !record.ExpiresAt.IsZero() && s.clock.Now().After(record.ExpiresAt) {
-			return gsresponse.FailedPrecondition[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, "quote_expired", merrors.InvalidArgument("quote_ref expired"))
-		}
-		if !proto.Equal(protoIntentFromModel(record.Intent), intent) {
-			return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("quote_ref does not match intent"))
-		}
-		quoteSnapshot = modelQuoteToProto(record.Quote)
-		if quoteSnapshot == nil {
-			return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("stored quote is empty"))
-		}
-		quoteSnapshot.QuoteRef = quoteRef
-	} else 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{})
+func (s *Service) executePayment(ctx context.Context, store storage.PaymentsStore, payment *model.Payment, quote *orchestratorv1.PaymentQuote) error {
+	s.ensureHandlers()
+	return s.comp.executor.executePayment(ctx, store, payment, quote)
 }

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 +1,232 @@
+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"},
+	}
+	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.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

@@ -32,11 +32,13 @@ func TestExecutePayment_FXConversionSettled(t *testing.T) {
 		logger:  zap.NewNop(),
 		clock:   testClock{now: time.Now()},
 		storage: repo,
-		ledger: ledgerDependency{client: &ledgerclient.Fake{
-			ApplyFXWithChargesFn: func(ctx context.Context, req *ledgerv1.FXRequest) (*ledgerv1.PostResponse, error) {
-				return &ledgerv1.PostResponse{JournalEntryRef: "fx-entry"}, nil
-			},
-		}},
+		deps: serviceDependencies{
+			ledger: ledgerDependency{client: &ledgerclient.Fake{
+				ApplyFXWithChargesFn: func(ctx context.Context, req *ledgerv1.FXRequest) (*ledgerv1.PostResponse, error) {
+					return &ledgerv1.PostResponse{JournalEntryRef: "fx-entry"}, nil
+				},
+			}},
+		},
 	}
 
 	payment := &model.Payment{
@@ -88,11 +90,13 @@ func TestExecutePayment_ChainFailure(t *testing.T) {
 		logger:  zap.NewNop(),
 		clock:   testClock{now: time.Now()},
 		storage: repo,
-		gateway: gatewayDependency{client: &chainclient.Fake{
-			SubmitTransferFn: func(ctx context.Context, req *chainv1.SubmitTransferRequest) (*chainv1.SubmitTransferResponse, error) {
-				return nil, errors.New("chain failure")
-			},
-		}},
+		deps: serviceDependencies{
+			gateway: gatewayDependency{client: &chainclient.Fake{
+				SubmitTransferFn: func(ctx context.Context, req *chainv1.SubmitTransferRequest) (*chainv1.SubmitTransferResponse, error) {
+					return nil, errors.New("chain failure")
+				},
+			}},
+		},
 	}
 
 	payment := &model.Payment{
@@ -146,6 +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{
@@ -156,7 +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)
 	}
@@ -189,6 +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{
@@ -197,7 +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)
 	}

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

@@ -57,6 +57,7 @@ const (
 	EndpointTypeLedger        PaymentEndpointType = "ledger"
 	EndpointTypeManagedWallet PaymentEndpointType = "managed_wallet"
 	EndpointTypeExternalChain PaymentEndpointType = "external_chain"
+	EndpointTypeCard          PaymentEndpointType = "card"
 )
 
 // LedgerEndpoint describes ledger routing.
@@ -78,12 +79,36 @@ 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"`
 }
 
@@ -118,7 +143,6 @@ 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"`
 }
 
@@ -128,6 +152,8 @@ 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.
@@ -144,6 +170,7 @@ 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.
@@ -223,5 +250,13 @@ 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/pkg/go.mod

@@ -18,7 +18,7 @@ require (
 	go.uber.org/zap v1.27.1
 	golang.org/x/crypto v0.46.0
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 )
 
 require (

api/pkg/go.sum

@@ -273,8 +273,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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/pkg/model/cryptoaddress.go

@@ -8,9 +8,10 @@ import (
 )
 
 type CryptoAddressPaymentData struct {
-	Address        string  `bson:"address" json:"address"`
-	Network        string  `bson:"network" json:"network"`
-	DestinationTag *string `bson:"destinationTag,omitempty" json:"destinationTag,omitempty"`
+	Currency       Currency `bson:"currency" json:"currency"`
+	Address        string   `bson:"address" json:"address"`
+	Network        string   `bson:"network" json:"network"`
+	DestinationTag *string  `bson:"destinationTag,omitempty" json:"destinationTag,omitempty"`
 }
 
 func (m *PaymentMethod) AsCryptoAddress() (*CryptoAddressPaymentData, error) {

api/pkg/model/currency.go

@@ -3,12 +3,13 @@ package model
 type Currency string
 
 const (
-	CurrencyEUR Currency = "EUR" // Euro
-	CurrencyUSD Currency = "USD" // US Dollar
-	CurrencyRUB Currency = "RUB" // Russian Ruble
-	CurrencyUAH Currency = "UAH" // Ukrainian Hryvnia
-	CurrencyPLN Currency = "PLN" // Polish Złoty
-	CurrencyCZK Currency = "CZK" // Czech Koruna
+	CurrencyEUR  Currency = "EUR"  // Euro
+	CurrencyUSD  Currency = "USD"  // US Dollar
+	CurrencyRUB  Currency = "RUB"  // Russian Ruble
+	CurrencyUAH  Currency = "UAH"  // Ukrainian Hryvnia
+	CurrencyPLN  Currency = "PLN"  // Polish Złoty
+	CurrencyCZK  Currency = "CZK"  // Czech Koruna
+	CurrencyUSDT Currency = "USDT" // Czech Koruna
 )
 
 // All supported currencies
@@ -19,6 +20,7 @@ var SupportedCurrencies = []Currency{
 	CurrencyUAH,
 	CurrencyPLN,
 	CurrencyCZK,
+	CurrencyUSDT,
 }
 
 type Amount struct {

api/pkg/model/money.go

@@ -0,0 +1,6 @@
+package model
+
+type Money struct {
+	Currency string `bson:"currency" json:"currency"`
+	Amount   string `bson:"amount" json:"amount"`
+}

api/pkg/model/payment.go

@@ -19,6 +19,7 @@ const (
 	PaymentTypeBankAccount
 	PaymentTypeWallet
 	PaymentTypeCryptoAddress
+	PaymentTypeLedger
 )
 
 var paymentTypeToString = map[PaymentType]string{
@@ -28,6 +29,7 @@ var paymentTypeToString = map[PaymentType]string{
 	PaymentTypeBankAccount:   "bankAccount",
 	PaymentTypeWallet:        "wallet",
 	PaymentTypeCryptoAddress: "cryptoAddress",
+	PaymentTypeLedger:        "ledger",
 }
 
 var paymentTypeFromString = map[string]PaymentType{
@@ -37,6 +39,7 @@ var paymentTypeFromString = map[string]PaymentType{
 	"bankAccount":   PaymentTypeBankAccount,
 	"wallet":        PaymentTypeWallet,
 	"cryptoAddress": PaymentTypeCryptoAddress,
+	"ledger":        PaymentTypeLedger,
 }
 
 func (t PaymentType) String() string {

api/proto/oracle/v1/oracle.proto

@@ -20,17 +20,18 @@ message RateSnapshot {
 }
 
 message RequestMeta {
-  string request_ref = 1 [deprecated = true];
+  reserved 1, 4, 5;
+  reserved "request_ref", "idempotency_key", "trace_ref";
+
   string tenant_ref = 2;
   string organization_ref = 3;
-  string idempotency_key = 4 [deprecated = true];
-  string trace_ref = 5 [deprecated = true];
   common.trace.v1.TraceContext trace = 6;
 }
 
 message ResponseMeta {
-  string request_ref = 1 [deprecated = true];
-  string trace_ref = 2 [deprecated = true];
+  reserved 1, 2;
+  reserved "request_ref", "trace_ref";
+
   common.trace.v1.TraceContext trace = 3;
 }
 

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

@@ -11,6 +11,7 @@ import "common/trace/v1/trace.proto";
 import "common/pagination/v1/cursor.proto";
 import "billing/fees/v1/fees.proto";
 import "gateway/chain/v1/chain.proto";
+import "gateway/mntx/v1/mntx.proto";
 import "oracle/v1/oracle.proto";
 
 enum PaymentKind {
@@ -20,6 +21,13 @@ enum PaymentKind {
   PAYMENT_KIND_FX_CONVERSION = 3;
 }
 
+// SettlementMode defines how to treat fees/FX variance for payouts.
+enum SettlementMode {
+  SETTLEMENT_MODE_UNSPECIFIED = 0;
+  SETTLEMENT_MODE_FIX_SOURCE = 1;   // customer pays fees; sent amount fixed
+  SETTLEMENT_MODE_FIX_RECEIVED = 2; // receiver gets fixed amount; source flexes
+}
+
 enum PaymentState {
   PAYMENT_STATE_UNSPECIFIED = 0;
   PAYMENT_STATE_ACCEPTED = 1;
@@ -61,11 +69,26 @@ message ExternalChainEndpoint {
   string memo = 3;
 }
 
+// Card payout destination.
+message CardEndpoint {
+  oneof card {
+    string pan = 1;   // raw PAN
+    string token = 2; // network or gateway-issued token
+  }
+  string cardholder_name = 3;
+  string cardholder_surname = 4;
+  uint32 exp_month = 5;
+  uint32 exp_year = 6;
+  string country = 7;
+  string masked_pan = 8;
+}
+
 message PaymentEndpoint {
   oneof endpoint {
     LedgerEndpoint ledger = 1;
     ManagedWalletEndpoint managed_wallet = 2;
     ExternalChainEndpoint external_chain = 3;
+    CardEndpoint card = 4;
   }
   map<string, string> metadata = 10;
 }
@@ -88,6 +111,7 @@ message PaymentIntent {
   FXIntent fx = 6;
   fees.v1.PolicyOverrides fee_policy = 7;
   map<string, string> attributes = 8;
+  SettlementMode settlement_mode = 9;
 }
 
 message PaymentQuote {
@@ -98,8 +122,7 @@ message PaymentQuote {
   repeated fees.v1.AppliedRule fee_rules = 5;
   oracle.v1.Quote fx_quote = 6;
   chain.gateway.v1.EstimateTransferFeeResponse network_fee = 7;
-  string fee_quote_token = 8;
-  string quote_ref = 9;
+  string quote_ref = 8;
 }
 
 message ExecutionRefs {
@@ -107,6 +130,20 @@ message ExecutionRefs {
   string credit_entry_ref = 2;
   string fx_entry_ref = 3;
   string chain_transfer_ref = 4;
+  string card_payout_ref = 5;
+  string fee_transfer_ref = 6;
+}
+
+// Card payout gateway tracking info.
+message CardPayout {
+  string payout_ref = 1;
+  string provider_payment_id = 2;
+  string status = 3;
+  string failure_reason = 4;
+  string card_country = 5;
+  string masked_pan = 6;
+  string provider_code = 7;
+  string gateway_reference = 8;
 }
 
 message Payment {
@@ -121,6 +158,7 @@ message Payment {
   map<string, string> metadata = 9;
   google.protobuf.Timestamp created_at = 10;
   google.protobuf.Timestamp updated_at = 11;
+  CardPayout card_payout = 12;
 }
 
 message QuotePaymentRequest {
@@ -138,10 +176,8 @@ message InitiatePaymentRequest {
   RequestMeta meta = 1;
   string idempotency_key = 2;
   PaymentIntent intent = 3;
-  string fee_quote_token = 4;
-  string fx_quote_ref = 5;
-  map<string, string> metadata = 6;
-  string quote_ref = 7;
+  map<string, string> metadata = 4;
+  string quote_ref = 5;
 }
 
 message InitiatePaymentResponse {
@@ -198,6 +234,15 @@ message ProcessDepositObservedResponse {
   Payment payment = 1;
 }
 
+message ProcessCardPayoutUpdateRequest {
+  RequestMeta meta = 1;
+  mntx.gateway.v1.CardPayoutStatusChangedEvent event = 2;
+}
+
+message ProcessCardPayoutUpdateResponse {
+  Payment payment = 1;
+}
+
 message InitiateConversionRequest {
   RequestMeta meta = 1;
   string idempotency_key = 2;
@@ -221,4 +266,5 @@ service PaymentOrchestrator {
   rpc InitiateConversion(InitiateConversionRequest) returns (InitiateConversionResponse);
   rpc ProcessTransferUpdate(ProcessTransferUpdateRequest) returns (ProcessTransferUpdateResponse);
   rpc ProcessDepositObserved(ProcessDepositObservedRequest) returns (ProcessDepositObservedResponse);
+  rpc ProcessCardPayoutUpdate(ProcessCardPayoutUpdateRequest) returns (ProcessCardPayoutUpdateResponse);
 }

api/server/config.yml

@@ -16,8 +16,7 @@ api:
     CORS:
       max_age: 300
       allowed_origins:
-        - "http://*"
-        - "https://*"
+        - "*"
       allowed_methods:
         - "GET"
         - "POST"
@@ -91,8 +90,8 @@ api:
     call_timeout_seconds: 5
     insecure: true
   payment_orchestrator:
-    address: sendico_payment_orchestrator:50062
-    address_env: PAYMENT_ORCHESTRATOR_ADDRESS
+    address: sendico_payments_orchestrator:50062
+    address_env: PAYMENTS_ADDRESS
     dial_timeout_seconds: 5
     call_timeout_seconds: 5
     insecure: true

api/server/go.mod

@@ -12,17 +12,18 @@ replace github.com/tech/sendico/gateway/chain => ../gateway/chain
 
 require (
 	github.com/aws/aws-sdk-go-v2 v1.41.0
-	github.com/aws/aws-sdk-go-v2/config v1.32.4
-	github.com/aws/aws-sdk-go-v2/credentials v1.19.4
-	github.com/aws/aws-sdk-go-v2/service/s3 v1.93.1
+	github.com/aws/aws-sdk-go-v2/config v1.32.5
+	github.com/aws/aws-sdk-go-v2/credentials v1.19.5
+	github.com/aws/aws-sdk-go-v2/service/s3 v1.93.2
 	github.com/go-chi/chi/v5 v5.2.3
 	github.com/go-chi/cors v1.2.2
 	github.com/go-chi/jwtauth/v5 v5.3.3
 	github.com/go-chi/metrics v0.1.1
 	github.com/google/uuid v1.6.0
 	github.com/mitchellh/mapstructure v1.5.0
+	github.com/shopspring/decimal v1.4.0
 	github.com/stretchr/testify v1.11.1
-	github.com/tech/sendico/gateway/chain v0.1.0
+	github.com/tech/sendico/gateway/chain v0.0.0-00010101000000-000000000000
 	github.com/tech/sendico/ledger v0.0.0-00010101000000-000000000000
 	github.com/tech/sendico/payments/orchestrator v0.0.0-00010101000000-000000000000
 	github.com/tech/sendico/pkg v0.1.0
@@ -31,7 +32,7 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	golang.org/x/net v0.48.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 	moul.io/chizap v1.0.3
 )
@@ -59,7 +60,7 @@ require (
 	github.com/aws/aws-sdk-go-v2/service/signin v1.0.4 // indirect
 	github.com/aws/aws-sdk-go-v2/service/sso v1.30.7 // indirect
 	github.com/aws/aws-sdk-go-v2/service/ssooidc v1.35.12 // indirect
-	github.com/aws/aws-sdk-go-v2/service/sts v1.41.4 // indirect
+	github.com/aws/aws-sdk-go-v2/service/sts v1.41.5 // indirect
 	github.com/aws/smithy-go v1.24.0 // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect

api/server/go.sum

@@ -10,10 +10,10 @@ github.com/aws/aws-sdk-go-v2 v1.41.0 h1:tNvqh1s+v0vFYdA1xq0aOJH+Y5cRyZ5upu6roPgP
 github.com/aws/aws-sdk-go-v2 v1.41.0/go.mod h1:MayyLB8y+buD9hZqkCW3kX1AKq07Y5pXxtgB+rRFhz0=
 github.com/aws/aws-sdk-go-v2/aws/protocol/eventstream v1.7.4 h1:489krEF9xIGkOaaX3CE/Be2uWjiXrkCH6gUX+bZA/BU=
 github.com/aws/aws-sdk-go-v2/aws/protocol/eventstream v1.7.4/go.mod h1:IOAPF6oT9KCsceNTvvYMNHy0+kMF8akOjeDvPENWxp4=
-github.com/aws/aws-sdk-go-v2/config v1.32.4 h1:gl+DxVuadpkYoaDcWllZqLkhGEbvwyqgNVRTmlaf5PI=
-github.com/aws/aws-sdk-go-v2/config v1.32.4/go.mod h1:MBUp9Og/bzMmQHjMwace4aJfyvJeadzXjoTcR/SxLV0=
-github.com/aws/aws-sdk-go-v2/credentials v1.19.4 h1:KeIZxHVbGWRLhPvhdPbbi/DtFBHNKm6OsVDuiuFefdQ=
-github.com/aws/aws-sdk-go-v2/credentials v1.19.4/go.mod h1:Smw5n0nCZE9PeFEguofdXyt8kUC4JNrkDTfBOioPhFA=
+github.com/aws/aws-sdk-go-v2/config v1.32.5 h1:pz3duhAfUgnxbtVhIK39PGF/AHYyrzGEyRD9Og0QrE8=
+github.com/aws/aws-sdk-go-v2/config v1.32.5/go.mod h1:xmDjzSUs/d0BB7ClzYPAZMmgQdrodNjPPhd6bGASwoE=
+github.com/aws/aws-sdk-go-v2/credentials v1.19.5 h1:xMo63RlqP3ZZydpJDMBsH9uJ10hgHYfQFIk1cHDXrR4=
+github.com/aws/aws-sdk-go-v2/credentials v1.19.5/go.mod h1:hhbH6oRcou+LpXfA/0vPElh/e0M3aFeOblE1sssAAEk=
 github.com/aws/aws-sdk-go-v2/feature/ec2/imds v1.18.16 h1:80+uETIWS1BqjnN9uJ0dBUaETh+P1XwFy5vwHwK5r9k=
 github.com/aws/aws-sdk-go-v2/feature/ec2/imds v1.18.16/go.mod h1:wOOsYuxYuB/7FlnVtzeBYRcjSRtQpAW0hCP7tIULMwo=
 github.com/aws/aws-sdk-go-v2/internal/configsources v1.4.16 h1:rgGwPzb82iBYSvHMHXc8h9mRoOUBZIGFgKb9qniaZZc=
@@ -32,16 +32,16 @@ github.com/aws/aws-sdk-go-v2/service/internal/presigned-url v1.13.16 h1:oHjJHeUy
 github.com/aws/aws-sdk-go-v2/service/internal/presigned-url v1.13.16/go.mod h1:iRSNGgOYmiYwSCXxXaKb9HfOEj40+oTKn8pTxMlYkRM=
 github.com/aws/aws-sdk-go-v2/service/internal/s3shared v1.19.16 h1:NSbvS17MlI2lurYgXnCOLvCFX38sBW4eiVER7+kkgsU=
 github.com/aws/aws-sdk-go-v2/service/internal/s3shared v1.19.16/go.mod h1:SwT8Tmqd4sA6G1qaGdzWCJN99bUmPGHfRwwq3G5Qb+A=
-github.com/aws/aws-sdk-go-v2/service/s3 v1.93.1 h1:5FhzzN6JmlGQF6c04kDIb5KNGm6KnNdLISNrfivIhHg=
-github.com/aws/aws-sdk-go-v2/service/s3 v1.93.1/go.mod h1:79S2BdqCJpScXZA2y+cpZuocWsjGjJINyXnOsf5DTz8=
+github.com/aws/aws-sdk-go-v2/service/s3 v1.93.2 h1:U3ygWUhCpiSPYSHOrRhb3gOl9T5Y3kB8k5Vjs//57bE=
+github.com/aws/aws-sdk-go-v2/service/s3 v1.93.2/go.mod h1:79S2BdqCJpScXZA2y+cpZuocWsjGjJINyXnOsf5DTz8=
 github.com/aws/aws-sdk-go-v2/service/signin v1.0.4 h1:HpI7aMmJ+mm1wkSHIA2t5EaFFv5EFYXePW30p1EIrbQ=
 github.com/aws/aws-sdk-go-v2/service/signin v1.0.4/go.mod h1:C5RdGMYGlfM0gYq/tifqgn4EbyX99V15P2V3R+VHbQU=
 github.com/aws/aws-sdk-go-v2/service/sso v1.30.7 h1:eYnlt6QxnFINKzwxP5/Ucs1vkG7VT3Iezmvfgc2waUw=
 github.com/aws/aws-sdk-go-v2/service/sso v1.30.7/go.mod h1:+fWt2UHSb4kS7Pu8y+BMBvJF0EWx+4H0hzNwtDNRTrg=
 github.com/aws/aws-sdk-go-v2/service/ssooidc v1.35.12 h1:AHDr0DaHIAo8c9t1emrzAlVDFp+iMMKnPdYy6XO4MCE=
 github.com/aws/aws-sdk-go-v2/service/ssooidc v1.35.12/go.mod h1:GQ73XawFFiWxyWXMHWfhiomvP3tXtdNar/fi8z18sx0=
-github.com/aws/aws-sdk-go-v2/service/sts v1.41.4 h1:YCu/iAhQer8WZ66lldyKkpvMyv+HkPufMa4dyT6wils=
-github.com/aws/aws-sdk-go-v2/service/sts v1.41.4/go.mod h1:iW40X4QBmUxdP+fZNOpfmkdMZqsovezbAeO+Ubiv2pk=
+github.com/aws/aws-sdk-go-v2/service/sts v1.41.5 h1:SciGFVNZ4mHdm7gpD1dgZYnCuVdX1s+lFTg4+4DOy70=
+github.com/aws/aws-sdk-go-v2/service/sts v1.41.5/go.mod h1:iW40X4QBmUxdP+fZNOpfmkdMZqsovezbAeO+Ubiv2pk=
 github.com/aws/smithy-go v1.24.0 h1:LpilSUItNPFr1eY85RYgTIg5eIEPtvFbskaFcmmIUnk=
 github.com/aws/smithy-go v1.24.0/go.mod h1:LEj2LM3rBRQJxPZTB4KuzZkaZYnZPnvgIhb4pu07mx0=
 github.com/benbjohnson/clock v1.1.0/go.mod h1:J11/hYXuz8f4ySSvYwY0FKfm+ezbsZBKZxNJlLklBHA=
@@ -213,6 +213,8 @@ github.com/shoenig/go-m1cpu v0.1.6 h1:nxdKQNcEB6vzgA2E2bvzKIYRuNj7XNJ4S/aRSwKzFt
 github.com/shoenig/go-m1cpu v0.1.6/go.mod h1:1JJMcUBvfNwpq05QDQVAnx3gUHr9IYF7GNg9SUEw2VQ=
 github.com/shoenig/test v0.6.4 h1:kVTaSd7WLz5WZ2IaoM0RSzRsUD+m8wRR+5qvntpn4LU=
 github.com/shoenig/test v0.6.4/go.mod h1:byHiCGXqrVaflBLAMq/srcZIHynQPQgeyvkvXnjqq0k=
+github.com/shopspring/decimal v1.4.0 h1:bxl37RwXBklmTi0C79JfXCEBD1cqqHt0bbgBAGFp81k=
+github.com/shopspring/decimal v1.4.0/go.mod h1:gawqmDU56v4yIKSwfBSFip1HdCCXN8/+DMd9qYNcwME=
 github.com/sirupsen/logrus v1.9.3 h1:dueUQJ1C2q9oE3F7wvmSGAaVtTmUizReu6fjN8uqzbQ=
 github.com/sirupsen/logrus v1.9.3/go.mod h1:naHLuLoDiP4jHNo9R0sCBMtWGeIprob74mVsIT4qYEQ=
 github.com/stretchr/objx v0.1.0/go.mod h1:HFkY916IF+rwdDfMAkV7OtwuqBVzrE8GR6GFx+wExME=
@@ -363,8 +365,8 @@ google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:
 google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/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 v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
+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 v1.0.0-20180628173108-788fd7840127/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=

api/server/interface/api/srequest/endpoint_payloads.go

@@ -0,0 +1,76 @@
+package srequest
+
+// Asset represents a chain/token pair for blockchain endpoints.
+type Asset struct {
+	Chain           ChainNetwork `json:"chain"`
+	TokenSymbol     string       `json:"token_symbol"`
+	ContractAddress string       `json:"contract_address,omitempty"`
+}
+
+// LedgerEndpoint represents a ledger account payload.
+type LedgerEndpoint struct {
+	LedgerAccountRef       string `json:"ledger_account_ref"`
+	ContraLedgerAccountRef string `json:"contra_ledger_account_ref,omitempty"`
+}
+
+// ManagedWalletEndpoint represents a managed wallet payload.
+type ManagedWalletEndpoint struct {
+	ManagedWalletRef string `json:"managed_wallet_ref"`
+	Asset            *Asset `json:"asset,omitempty"`
+}
+
+// ExternalChainEndpoint represents an external chain address payload.
+type ExternalChainEndpoint struct {
+	Asset   *Asset `json:"asset,omitempty"`
+	Address string `json:"address"`
+	Memo    string `json:"memo,omitempty"`
+}
+
+// CardEndpoint represents a card payout payload (PAN or network token).
+type CardEndpoint struct {
+	Pan       string `json:"pan"`
+	FirstName string `json:"firstName"`
+	LastName  string `json:"lastName"`
+	ExpMonth  uint32 `json:"exp_month,omitempty"`
+	ExpYear   uint32 `json:"exp_year,omitempty"`
+	Country   string `json:"country,omitempty"`
+}
+
+// CardTokenEndpoint represents a vaulted card token payout payload.
+type CardTokenEndpoint struct {
+	Token     string `json:"token"`
+	MaskedPan string `json:"masked_pan"`
+}
+
+// WalletEndpoint represents a Sendico wallet payout payload.
+type WalletEndpoint struct {
+	WalletID string `json:"walletId"`
+}
+
+// BankAccountEndpoint represents a domestic bank account payout payload.
+type BankAccountEndpoint struct {
+	RecipientName        string `json:"recipientName"`
+	Inn                  string `json:"inn"`
+	Kpp                  string `json:"kpp"`
+	BankName             string `json:"bankName"`
+	Bik                  string `json:"bik"`
+	AccountNumber        string `json:"accountNumber"`
+	CorrespondentAccount string `json:"correspondentAccount"`
+}
+
+// IBANEndpoint represents an international bank account payout payload.
+type IBANEndpoint struct {
+	IBAN          string `json:"iban"`
+	AccountHolder string `json:"accountHolder"`
+	BIC           string `json:"bic,omitempty"`
+	BankName      string `json:"bankName,omitempty"`
+}
+
+// LegacyPaymentEndpoint mirrors the previous bag-of-pointers DTO for backward compatibility.
+type LegacyPaymentEndpoint struct {
+	Ledger        *LedgerEndpoint        `json:"ledger,omitempty"`
+	ManagedWallet *ManagedWalletEndpoint `json:"managed_wallet,omitempty"`
+	ExternalChain *ExternalChainEndpoint `json:"external_chain,omitempty"`
+	Card          *CardEndpoint          `json:"card,omitempty"`
+	Metadata      map[string]string      `json:"metadata,omitempty"`
+}

api/server/interface/api/srequest/endpoint_union.go

@@ -0,0 +1,266 @@
+package srequest
+
+import (
+	"encoding/json"
+
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+type EndpointType string
+
+const (
+	EndpointTypeLedger        EndpointType = "ledger"
+	EndpointTypeManagedWallet EndpointType = "managedWallet"
+	EndpointTypeExternalChain EndpointType = "cryptoAddress"
+	EndpointTypeCard          EndpointType = "card"
+	EndpointTypeCardToken     EndpointType = "cardToken"
+	EndpointTypeWallet        EndpointType = "wallet"
+	EndpointTypeBankAccount   EndpointType = "bankAccount"
+	EndpointTypeIBAN          EndpointType = "iban"
+)
+
+// Endpoint is a discriminated union for payment endpoints.
+type Endpoint struct {
+	Type     EndpointType      `json:"type"`
+	Data     json.RawMessage   `json:"data"`
+	Metadata map[string]string `json:"metadata,omitempty"`
+}
+
+func newEndpoint(kind EndpointType, payload interface{}, metadata map[string]string) (Endpoint, error) {
+	data, err := json.Marshal(payload)
+	if err != nil {
+		return Endpoint{}, merrors.Internal("marshal endpoint payload failed")
+	}
+	return Endpoint{
+		Type:     kind,
+		Data:     data,
+		Metadata: cloneStringMap(metadata),
+	}, nil
+}
+
+func (e Endpoint) decodePayload(expected EndpointType, dst interface{}) error {
+	actual := normalizeEndpointType(e.Type)
+	if actual == "" {
+		return merrors.InvalidArgument("endpoint type is required")
+	}
+	if actual != expected {
+		return merrors.InvalidArgument("expected endpoint type " + string(expected) + ", got " + string(e.Type))
+	}
+	if len(e.Data) == 0 {
+		return merrors.InvalidArgument("endpoint data is required for type " + string(expected))
+	}
+	if err := json.Unmarshal(e.Data, dst); err != nil {
+		return merrors.InvalidArgument("decode " + string(expected) + " endpoint: " + err.Error())
+	}
+	return nil
+}
+
+func (e *Endpoint) UnmarshalJSON(data []byte) error {
+	var envelope struct {
+		Type     EndpointType      `json:"type"`
+		Data     json.RawMessage   `json:"data"`
+		Metadata map[string]string `json:"metadata"`
+	}
+	if err := json.Unmarshal(data, &envelope); err == nil {
+		if envelope.Type != "" || len(envelope.Data) > 0 {
+			if envelope.Type == "" {
+				return merrors.InvalidArgument("endpoint type is required")
+			}
+			*e = Endpoint{
+				Type:     normalizeEndpointType(envelope.Type),
+				Data:     envelope.Data,
+				Metadata: cloneStringMap(envelope.Metadata),
+			}
+			return nil
+		}
+	}
+
+	var legacy LegacyPaymentEndpoint
+	if err := json.Unmarshal(data, &legacy); err != nil {
+		return err
+	}
+	endpoint, err := LegacyPaymentEndpointToEndpointDTO(&legacy)
+	if err != nil {
+		return err
+	}
+	if endpoint == nil {
+		return merrors.InvalidArgument("endpoint payload is empty")
+	}
+	*e = *endpoint
+	return nil
+}
+
+func NewLedgerEndpointDTO(payload LedgerEndpoint, metadata map[string]string) (Endpoint, error) {
+	return newEndpoint(EndpointTypeLedger, payload, metadata)
+}
+
+func NewManagedWalletEndpointDTO(payload ManagedWalletEndpoint, metadata map[string]string) (Endpoint, error) {
+	return newEndpoint(EndpointTypeManagedWallet, payload, metadata)
+}
+
+func NewExternalChainEndpointDTO(payload ExternalChainEndpoint, metadata map[string]string) (Endpoint, error) {
+	return newEndpoint(EndpointTypeExternalChain, payload, metadata)
+}
+
+func NewCardEndpointDTO(payload CardEndpoint, metadata map[string]string) (Endpoint, error) {
+	return newEndpoint(EndpointTypeCard, payload, metadata)
+}
+
+func NewCardTokenEndpointDTO(payload CardTokenEndpoint, metadata map[string]string) (Endpoint, error) {
+	return newEndpoint(EndpointTypeCardToken, payload, metadata)
+}
+
+func NewWalletEndpointDTO(payload WalletEndpoint, metadata map[string]string) (Endpoint, error) {
+	return newEndpoint(EndpointTypeWallet, payload, metadata)
+}
+
+func NewBankAccountEndpointDTO(payload BankAccountEndpoint, metadata map[string]string) (Endpoint, error) {
+	return newEndpoint(EndpointTypeBankAccount, payload, metadata)
+}
+
+func NewIBANEndpointDTO(payload IBANEndpoint, metadata map[string]string) (Endpoint, error) {
+	return newEndpoint(EndpointTypeIBAN, payload, metadata)
+}
+
+func (e Endpoint) DecodeLedger() (LedgerEndpoint, error) {
+	var payload LedgerEndpoint
+	return payload, e.decodePayload(EndpointTypeLedger, &payload)
+}
+
+func (e Endpoint) DecodeManagedWallet() (ManagedWalletEndpoint, error) {
+	var payload ManagedWalletEndpoint
+	return payload, e.decodePayload(EndpointTypeManagedWallet, &payload)
+}
+
+func (e Endpoint) DecodeExternalChain() (ExternalChainEndpoint, error) {
+	var payload ExternalChainEndpoint
+	return payload, e.decodePayload(EndpointTypeExternalChain, &payload)
+}
+
+func (e Endpoint) DecodeCard() (CardEndpoint, error) {
+	var payload CardEndpoint
+	return payload, e.decodePayload(EndpointTypeCard, &payload)
+}
+
+func (e Endpoint) DecodeCardToken() (CardTokenEndpoint, error) {
+	var payload CardTokenEndpoint
+	return payload, e.decodePayload(EndpointTypeCardToken, &payload)
+}
+
+func (e Endpoint) DecodeWallet() (WalletEndpoint, error) {
+	var payload WalletEndpoint
+	return payload, e.decodePayload(EndpointTypeWallet, &payload)
+}
+
+func (e Endpoint) DecodeBankAccount() (BankAccountEndpoint, error) {
+	var payload BankAccountEndpoint
+	return payload, e.decodePayload(EndpointTypeBankAccount, &payload)
+}
+
+func (e Endpoint) DecodeIBAN() (IBANEndpoint, error) {
+	var payload IBANEndpoint
+	return payload, e.decodePayload(EndpointTypeIBAN, &payload)
+}
+
+func LegacyPaymentEndpointToEndpointDTO(old *LegacyPaymentEndpoint) (*Endpoint, error) {
+	if old == nil {
+		return nil, nil
+	}
+
+	count := 0
+	var endpoint Endpoint
+	var err error
+
+	if old.Ledger != nil {
+		count++
+		endpoint, err = NewLedgerEndpointDTO(*old.Ledger, old.Metadata)
+	}
+	if old.ManagedWallet != nil {
+		count++
+		endpoint, err = NewManagedWalletEndpointDTO(*old.ManagedWallet, old.Metadata)
+	}
+	if old.ExternalChain != nil {
+		count++
+		endpoint, err = NewExternalChainEndpointDTO(*old.ExternalChain, old.Metadata)
+	}
+	if old.Card != nil {
+		count++
+		endpoint, err = NewCardEndpointDTO(*old.Card, old.Metadata)
+	}
+
+	if err != nil {
+		return nil, err
+	}
+	if count == 0 {
+		return nil, merrors.InvalidArgument("exactly one endpoint must be set")
+	}
+	if count > 1 {
+		return nil, merrors.InvalidArgument("only one endpoint can be set")
+	}
+	return &endpoint, nil
+}
+
+func EndpointDTOToLegacyPaymentEndpoint(new *Endpoint) (*LegacyPaymentEndpoint, error) {
+	if new == nil {
+		return nil, nil
+	}
+
+	legacy := &LegacyPaymentEndpoint{
+		Metadata: cloneStringMap(new.Metadata),
+	}
+
+	switch normalizeEndpointType(new.Type) {
+	case EndpointTypeLedger:
+		payload, err := new.DecodeLedger()
+		if err != nil {
+			return nil, err
+		}
+		legacy.Ledger = &payload
+	case EndpointTypeManagedWallet:
+		payload, err := new.DecodeManagedWallet()
+		if err != nil {
+			return nil, err
+		}
+		legacy.ManagedWallet = &payload
+	case EndpointTypeExternalChain:
+		payload, err := new.DecodeExternalChain()
+		if err != nil {
+			return nil, err
+		}
+		legacy.ExternalChain = &payload
+	case EndpointTypeCard:
+		payload, err := new.DecodeCard()
+		if err != nil {
+			return nil, err
+		}
+		legacy.Card = &payload
+	default:
+		return nil, merrors.InvalidArgument("unsupported endpoint type: " + string(new.Type))
+	}
+	return legacy, nil
+}
+
+var endpointTypeAliases = map[EndpointType]EndpointType{
+	"managed_wallet": EndpointTypeManagedWallet,
+	"external_chain": EndpointTypeExternalChain,
+	"card_token":     EndpointTypeCardToken,
+	"bank_account":   EndpointTypeBankAccount,
+}
+
+func normalizeEndpointType(t EndpointType) EndpointType {
+	if canonical, ok := endpointTypeAliases[t]; ok {
+		return canonical
+	}
+	return t
+}
+
+func cloneStringMap(src map[string]string) map[string]string {
+	if len(src) == 0 {
+		return nil
+	}
+	dst := make(map[string]string, len(src))
+	for k, v := range src {
+		dst[k] = v
+	}
+	return dst
+}

api/server/interface/api/srequest/payment.go

@@ -1,17 +1,70 @@
 package srequest
 
-type QuotePayment struct {
+import (
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+type PaymentBase struct {
 	IdempotencyKey string            `json:"idempotencyKey"`
-	Intent         *PaymentIntent    `json:"intent"`
-	PreviewOnly    bool              `json:"previewOnly"`
 	Metadata       map[string]string `json:"metadata,omitempty"`
 }
 
+func (b *PaymentBase) Validate() error {
+	if b.IdempotencyKey == "" {
+		return merrors.InvalidArgument("idempotencyKey is required", "idempotencyKey")
+	}
+	return nil
+}
+
+type QuotePayment struct {
+	PaymentBase `json:",inline"`
+	Intent      PaymentIntent `json:"intent"`
+	PreviewOnly bool          `json:"previewOnly"`
+}
+
+func (r *QuotePayment) Validate() error {
+	// base checks
+	if err := r.PaymentBase.Validate(); err != nil {
+		return err
+	}
+
+	// intent is mandatory, so validate always
+	if err := r.Intent.Validate(); err != nil {
+		return err
+	}
+
+	return nil
+}
+
 type InitiatePayment struct {
-	IdempotencyKey string            `json:"idempotencyKey"`
-	Intent         *PaymentIntent    `json:"intent"`
-	Metadata       map[string]string `json:"metadata,omitempty"`
-	FeeQuoteToken  string            `json:"feeQuoteToken,omitempty"`
-	FxQuoteRef     string            `json:"fxQuoteRef,omitempty"`
-	QuoteRef       string            `json:"quoteRef,omitempty"`
+	PaymentBase `json:",inline"`
+	Intent      *PaymentIntent `json:"intent,omitempty"`
+	QuoteRef    string         `json:"quoteRef,omitempty"`
+}
+
+func (r InitiatePayment) Validate() error {
+	// base checks
+	if err := r.PaymentBase.Validate(); err != nil {
+		return err
+	}
+
+	hasIntent := r.Intent != nil
+	hasQuote := r.QuoteRef != ""
+
+	// must be exactly one
+	switch {
+	case !hasIntent && !hasQuote:
+		return merrors.NoData("either intent or quoteRef must be provided")
+	case hasIntent && hasQuote:
+		return merrors.DataConflict("intent and quoteRef are mutually exclusive")
+	}
+
+	// if intent provided → validate it
+	if hasIntent {
+		if err := r.Intent.Validate(); err != nil {
+			return err
+		}
+	}
+
+	return nil
 }

api/server/interface/api/srequest/payment_enums.go

@@ -0,0 +1,50 @@
+package srequest
+
+// PaymentKind mirrors the orchestrator payment kinds without importing generated proto types.
+// Strings keep JSON readable; conversion helpers map these to proto enums.
+type PaymentKind string
+
+const (
+	PaymentKindUnspecified      PaymentKind = "unspecified"
+	PaymentKindPayout           PaymentKind = "payout"
+	PaymentKindInternalTransfer PaymentKind = "internal_transfer"
+	PaymentKindFxConversion     PaymentKind = "fx_conversion"
+)
+
+// SettlementMode matches orchestrator settlement behavior.
+type SettlementMode string
+
+const (
+	SettlementModeUnspecified SettlementMode = "unspecified"
+	SettlementModeFixSource   SettlementMode = "fix_source"
+	SettlementModeFixReceived SettlementMode = "fix_received"
+)
+
+// FXSide mirrors the common FX side enum.
+type FXSide string
+
+const (
+	FXSideUnspecified      FXSide = "unspecified"
+	FXSideBuyBaseSellQuote FXSide = "buy_base_sell_quote"
+	FXSideSellBaseBuyQuote FXSide = "sell_base_buy_quote"
+)
+
+// ChainNetwork mirrors the chain network enum used by managed wallets.
+type ChainNetwork string
+
+const (
+	ChainNetworkUnspecified     ChainNetwork = "unspecified"
+	ChainNetworkEthereumMainnet ChainNetwork = "ethereum_mainnet"
+	ChainNetworkArbitrumOne     ChainNetwork = "arbitrum_one"
+	ChainNetworkOtherEVM        ChainNetwork = "other_evm"
+)
+
+// InsufficientNetPolicy mirrors the fee engine policy override.
+type InsufficientNetPolicy string
+
+const (
+	InsufficientNetPolicyUnspecified  InsufficientNetPolicy = "unspecified"
+	InsufficientNetPolicyBlockPosting InsufficientNetPolicy = "block_posting"
+	InsufficientNetPolicySweepOrgCash InsufficientNetPolicy = "sweep_org_cash"
+	InsufficientNetPolicyInvoiceLater InsufficientNetPolicy = "invoice_later"
+)

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

@@ -0,0 +1,54 @@
+package srequest
+
+import (
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/model"
+)
+
+type PaymentIntent struct {
+	Kind           PaymentKind       `json:"kind,omitempty"`
+	Source         *Endpoint         `json:"source,omitempty"`
+	Destination    *Endpoint         `json:"destination,omitempty"`
+	Amount         *model.Money      `json:"amount,omitempty"`
+	FX             *FXIntent         `json:"fx,omitempty"`
+	SettlementMode SettlementMode    `json:"settlement_mode,omitempty"`
+	Attributes     map[string]string `json:"attributes,omitempty"`
+}
+
+type AssetResolverStub struct{}
+
+func (a *AssetResolverStub) IsSupported(_ string) bool {
+	return true
+}
+
+func (p *PaymentIntent) Validate() error {
+	// Kind must be set (non-zero)
+	var zeroKind PaymentKind
+	if p.Kind == zeroKind {
+		return merrors.InvalidArgument("kind is required", "intent.kind")
+	}
+
+	if p.Source == nil {
+		return merrors.InvalidArgument("source is required", "intent.source")
+	}
+
+	if p.Destination == nil {
+		return merrors.InvalidArgument("destination is required", "intent.destination")
+	}
+
+	if p.Amount == nil {
+		return merrors.InvalidArgument("amount is required", "intent.amount")
+	}
+	//TODO: collect supported currencies and validate against them
+	if err := ValidateMoney(p.Amount, &AssetResolverStub{}); err != nil {
+		return err
+	}
+
+	if p.FX != nil {
+		if err := p.FX.Validate(); err != nil {
+			return err
+		}
+	}
+
+	return nil
+}

api/server/interface/api/srequest/payment_types.go

@@ -1,103 +0,0 @@
-package srequest
-
-// PaymentKind mirrors the orchestrator payment kinds without importing generated proto types.
-type PaymentKind int32
-
-const (
-	PaymentKindUnspecified      PaymentKind = 0
-	PaymentKindPayout           PaymentKind = 1
-	PaymentKindInternalTransfer PaymentKind = 2
-	PaymentKindFxConversion     PaymentKind = 3
-)
-
-// FXSide mirrors the common FX side enum.
-type FXSide int32
-
-const (
-	FXSideUnspecified      FXSide = 0
-	FXSideBuyBaseSellQuote FXSide = 1
-	FXSideSellBaseBuyQuote FXSide = 2
-)
-
-// ChainNetwork mirrors the chain network enum used by managed wallets.
-type ChainNetwork int32
-
-const (
-	ChainNetworkUnspecified     ChainNetwork = 0
-	ChainNetworkEthereumMainnet ChainNetwork = 1
-	ChainNetworkArbitrumOne     ChainNetwork = 2
-	ChainNetworkOtherEVM        ChainNetwork = 3
-)
-
-// InsufficientNetPolicy mirrors the fee engine policy override.
-type InsufficientNetPolicy int32
-
-const (
-	InsufficientNetPolicyUnspecified  InsufficientNetPolicy = 0
-	InsufficientNetPolicyBlockPosting InsufficientNetPolicy = 1
-	InsufficientNetPolicySweepOrgCash InsufficientNetPolicy = 2
-	InsufficientNetPolicyInvoiceLater InsufficientNetPolicy = 3
-)
-
-type PaymentIntent struct {
-	Kind        PaymentKind       `json:"kind,omitempty"`
-	Source      *PaymentEndpoint  `json:"source,omitempty"`
-	Destination *PaymentEndpoint  `json:"destination,omitempty"`
-	Amount      *Money            `json:"amount,omitempty"`
-	RequiresFX  bool              `json:"requires_fx,omitempty"`
-	FX          *FXIntent         `json:"fx,omitempty"`
-	FeePolicy   *PolicyOverrides  `json:"fee_policy,omitempty"`
-	Attributes  map[string]string `json:"attributes,omitempty"`
-}
-
-type PaymentEndpoint struct {
-	Ledger        *LedgerEndpoint        `json:"ledger,omitempty"`
-	ManagedWallet *ManagedWalletEndpoint `json:"managed_wallet,omitempty"`
-	ExternalChain *ExternalChainEndpoint `json:"external_chain,omitempty"`
-	Metadata      map[string]string      `json:"metadata,omitempty"`
-}
-
-type LedgerEndpoint struct {
-	LedgerAccountRef       string `json:"ledger_account_ref"`
-	ContraLedgerAccountRef string `json:"contra_ledger_account_ref,omitempty"`
-}
-
-type ManagedWalletEndpoint struct {
-	ManagedWalletRef string `json:"managed_wallet_ref"`
-	Asset            *Asset `json:"asset,omitempty"`
-}
-
-type ExternalChainEndpoint struct {
-	Asset   *Asset `json:"asset,omitempty"`
-	Address string `json:"address"`
-	Memo    string `json:"memo,omitempty"`
-}
-
-type Asset struct {
-	Chain           ChainNetwork `json:"chain"`
-	TokenSymbol     string       `json:"token_symbol"`
-	ContractAddress string       `json:"contract_address,omitempty"`
-}
-
-type Money struct {
-	Amount   string `json:"amount"`
-	Currency string `json:"currency"`
-}
-
-type CurrencyPair struct {
-	Base  string `json:"base"`
-	Quote string `json:"quote"`
-}
-
-type FXIntent struct {
-	Pair              *CurrencyPair `json:"pair,omitempty"`
-	Side              FXSide        `json:"side,omitempty"`
-	Firm              bool          `json:"firm,omitempty"`
-	TTLms             int64         `json:"ttl_ms,omitempty"`
-	PreferredProvider string        `json:"preferred_provider,omitempty"`
-	MaxAgeMs          int32         `json:"max_age_ms,omitempty"`
-}
-
-type PolicyOverrides struct {
-	InsufficientNet InsufficientNetPolicy `json:"insufficient_net,omitempty"`
-}

api/server/interface/api/srequest/payment_types_test.go

@@ -0,0 +1,427 @@
+package srequest
+
+import (
+	"encoding/json"
+	"reflect"
+	"strings"
+	"testing"
+
+	"github.com/tech/sendico/pkg/model"
+)
+
+func TestEndpointDTOBuildersAndDecoders(t *testing.T) {
+	meta := map[string]string{"note": "meta"}
+
+	t.Run("ledger", func(t *testing.T) {
+		payload := LedgerEndpoint{LedgerAccountRef: "acc-1", ContraLedgerAccountRef: "contra-1"}
+		endpoint, err := NewLedgerEndpointDTO(payload, meta)
+		if err != nil {
+			t.Fatalf("build ledger endpoint: %v", err)
+		}
+		if endpoint.Type != EndpointTypeLedger {
+			t.Fatalf("expected type %s got %s", EndpointTypeLedger, endpoint.Type)
+		}
+		if string(endpoint.Data) != `{"ledger_account_ref":"acc-1","contra_ledger_account_ref":"contra-1"}` {
+			t.Fatalf("unexpected data: %s", endpoint.Data)
+		}
+		decoded, err := endpoint.DecodeLedger()
+		if err != nil {
+			t.Fatalf("decode ledger: %v", err)
+		}
+		if decoded != payload {
+			t.Fatalf("decoded payload mismatch: %#v vs %#v", decoded, payload)
+		}
+		meta["note"] = "changed"
+		if endpoint.Metadata["note"] != "meta" {
+			t.Fatalf("metadata should be copied, got %s", endpoint.Metadata["note"])
+		}
+	})
+
+	t.Run("managed wallet", func(t *testing.T) {
+		payload := ManagedWalletEndpoint{
+			ManagedWalletRef: "mw-1",
+			Asset: &Asset{
+				Chain:           ChainNetworkArbitrumOne,
+				TokenSymbol:     "USDC",
+				ContractAddress: "0xabc",
+			},
+		}
+		endpoint, err := NewManagedWalletEndpointDTO(payload, nil)
+		if err != nil {
+			t.Fatalf("build managed wallet endpoint: %v", err)
+		}
+		if endpoint.Type != EndpointTypeManagedWallet {
+			t.Fatalf("expected type %s got %s", EndpointTypeManagedWallet, endpoint.Type)
+		}
+		decoded, err := endpoint.DecodeManagedWallet()
+		if err != nil {
+			t.Fatalf("decode managed wallet: %v", err)
+		}
+		if !reflect.DeepEqual(decoded, payload) {
+			t.Fatalf("decoded payload mismatch: %#v vs %#v", decoded, payload)
+		}
+	})
+
+	t.Run("external chain", func(t *testing.T) {
+		payload := ExternalChainEndpoint{
+			Asset: &Asset{
+				Chain:       ChainNetworkOtherEVM,
+				TokenSymbol: "ETH",
+			},
+			Address: "0x123",
+			Memo:    "memo",
+		}
+		endpoint, err := NewExternalChainEndpointDTO(payload, nil)
+		if err != nil {
+			t.Fatalf("build external chain endpoint: %v", err)
+		}
+		if endpoint.Type != EndpointTypeExternalChain {
+			t.Fatalf("expected type %s got %s", EndpointTypeExternalChain, endpoint.Type)
+		}
+		decoded, err := endpoint.DecodeExternalChain()
+		if err != nil {
+			t.Fatalf("decode external chain: %v", err)
+		}
+		if !reflect.DeepEqual(decoded, payload) {
+			t.Fatalf("decoded payload mismatch: %#v vs %#v", decoded, payload)
+		}
+	})
+
+	t.Run("card", func(t *testing.T) {
+		payload := CardEndpoint{
+			Pan:       "pan",
+			FirstName: "Jane",
+			LastName:  "Doe",
+			ExpMonth:  12,
+			ExpYear:   2030,
+			Country:   "US",
+		}
+		endpoint, err := NewCardEndpointDTO(payload, map[string]string{"k": "v"})
+		if err != nil {
+			t.Fatalf("build card endpoint: %v", err)
+		}
+		if endpoint.Type != EndpointTypeCard {
+			t.Fatalf("expected type %s got %s", EndpointTypeCard, endpoint.Type)
+		}
+		decoded, err := endpoint.DecodeCard()
+		if err != nil {
+			t.Fatalf("decode card: %v", err)
+		}
+		if !reflect.DeepEqual(decoded, payload) {
+			t.Fatalf("decoded payload mismatch: %#v vs %#v", decoded, payload)
+		}
+		if endpoint.Metadata["k"] != "v" {
+			t.Fatalf("expected metadata copy, got %s", endpoint.Metadata["k"])
+		}
+	})
+
+	t.Run("card token", func(t *testing.T) {
+		payload := CardTokenEndpoint{Token: "token", MaskedPan: "****1234"}
+		endpoint, err := NewCardTokenEndpointDTO(payload, nil)
+		if err != nil {
+			t.Fatalf("build card token endpoint: %v", err)
+		}
+		if endpoint.Type != EndpointTypeCardToken {
+			t.Fatalf("expected type %s got %s", EndpointTypeCardToken, endpoint.Type)
+		}
+		decoded, err := endpoint.DecodeCardToken()
+		if err != nil {
+			t.Fatalf("decode card token: %v", err)
+		}
+		if !reflect.DeepEqual(decoded, payload) {
+			t.Fatalf("decoded payload mismatch: %#v vs %#v", decoded, payload)
+		}
+	})
+
+	t.Run("wallet", func(t *testing.T) {
+		payload := WalletEndpoint{WalletID: "wallet-1"}
+		endpoint, err := NewWalletEndpointDTO(payload, nil)
+		if err != nil {
+			t.Fatalf("build wallet endpoint: %v", err)
+		}
+		if endpoint.Type != EndpointTypeWallet {
+			t.Fatalf("expected type %s got %s", EndpointTypeWallet, endpoint.Type)
+		}
+		decoded, err := endpoint.DecodeWallet()
+		if err != nil {
+			t.Fatalf("decode wallet: %v", err)
+		}
+		if decoded != payload {
+			t.Fatalf("decoded payload mismatch: %#v vs %#v", decoded, payload)
+		}
+	})
+
+	t.Run("bank account", func(t *testing.T) {
+		payload := BankAccountEndpoint{
+			RecipientName:        "ACME",
+			Inn:                  "inn",
+			Kpp:                  "kpp",
+			BankName:             "bank",
+			Bik:                  "bik",
+			AccountNumber:        "123",
+			CorrespondentAccount: "456",
+		}
+		endpoint, err := NewBankAccountEndpointDTO(payload, map[string]string{"note": "n"})
+		if err != nil {
+			t.Fatalf("build bank account endpoint: %v", err)
+		}
+		if endpoint.Type != EndpointTypeBankAccount {
+			t.Fatalf("expected type %s got %s", EndpointTypeBankAccount, endpoint.Type)
+		}
+		decoded, err := endpoint.DecodeBankAccount()
+		if err != nil {
+			t.Fatalf("decode bank account: %v", err)
+		}
+		if !reflect.DeepEqual(decoded, payload) {
+			t.Fatalf("decoded payload mismatch: %#v vs %#v", decoded, payload)
+		}
+		if endpoint.Metadata["note"] != "n" {
+			t.Fatalf("expected metadata copy, got %s", endpoint.Metadata["note"])
+		}
+	})
+
+	t.Run("iban", func(t *testing.T) {
+		payload := IBANEndpoint{
+			IBAN:          "DE123",
+			AccountHolder: "John Doe",
+			BIC:           "BICCODE",
+			BankName:      "BankName",
+		}
+		endpoint, err := NewIBANEndpointDTO(payload, nil)
+		if err != nil {
+			t.Fatalf("build iban endpoint: %v", err)
+		}
+		if endpoint.Type != EndpointTypeIBAN {
+			t.Fatalf("expected type %s got %s", EndpointTypeIBAN, endpoint.Type)
+		}
+		decoded, err := endpoint.DecodeIBAN()
+		if err != nil {
+			t.Fatalf("decode iban: %v", err)
+		}
+		if !reflect.DeepEqual(decoded, payload) {
+			t.Fatalf("decoded payload mismatch: %#v vs %#v", decoded, payload)
+		}
+	})
+
+	t.Run("type mismatch", func(t *testing.T) {
+		endpoint, err := NewLedgerEndpointDTO(LedgerEndpoint{LedgerAccountRef: "acc"}, nil)
+		if err != nil {
+			t.Fatalf("build ledger endpoint: %v", err)
+		}
+		if _, err := endpoint.DecodeCard(); err == nil || !strings.Contains(err.Error(), "expected endpoint type") {
+			t.Fatalf("expected type mismatch error, got %v", err)
+		}
+	})
+
+	t.Run("invalid json data", func(t *testing.T) {
+		endpoint := Endpoint{Type: EndpointTypeLedger, Data: json.RawMessage("not-json")}
+		if _, err := endpoint.DecodeLedger(); err == nil {
+			t.Fatalf("expected decode error")
+		}
+	})
+
+	t.Run("legacy type alias normalizes", func(t *testing.T) {
+		raw := []byte(`{"type":"managed_wallet","data":{"managed_wallet_ref":"mw-legacy"}}`)
+		var endpoint Endpoint
+		if err := json.Unmarshal(raw, &endpoint); err != nil {
+			t.Fatalf("unmarshal with legacy type: %v", err)
+		}
+		if endpoint.Type != EndpointTypeManagedWallet {
+			t.Fatalf("expected normalized type %s got %s", EndpointTypeManagedWallet, endpoint.Type)
+		}
+		payload, err := endpoint.DecodeManagedWallet()
+		if err != nil {
+			t.Fatalf("decode managed wallet with alias: %v", err)
+		}
+		if payload.ManagedWalletRef != "mw-legacy" {
+			t.Fatalf("decoded payload mismatch from alias: %#v", payload)
+		}
+	})
+}
+
+func TestPaymentIntentJSONRoundTrip(t *testing.T) {
+	sourcePayload := LedgerEndpoint{LedgerAccountRef: "source"}
+	source, err := NewLedgerEndpointDTO(sourcePayload, map[string]string{"src": "meta"})
+	if err != nil {
+		t.Fatalf("build source endpoint: %v", err)
+	}
+	destPayload := ExternalChainEndpoint{Address: "0xabc", Asset: &Asset{Chain: ChainNetworkEthereumMainnet, TokenSymbol: "USDC"}}
+	dest, err := NewExternalChainEndpointDTO(destPayload, nil)
+	if err != nil {
+		t.Fatalf("build destination endpoint: %v", err)
+	}
+
+	intent := &PaymentIntent{
+		Kind:        PaymentKindPayout,
+		Source:      &source,
+		Destination: &dest,
+		Amount:      &model.Money{Amount: "10", Currency: "USD"},
+		FX: &FXIntent{
+			Pair:              &CurrencyPair{Base: "USD", Quote: "EUR"},
+			Side:              FXSideBuyBaseSellQuote,
+			Firm:              true,
+			TTLms:             5000,
+			PreferredProvider: "provider",
+			MaxAgeMs:          10,
+		},
+		SettlementMode: SettlementModeFixReceived,
+		Attributes:     map[string]string{"k": "v"},
+	}
+
+	data, err := json.Marshal(intent)
+	if err != nil {
+		t.Fatalf("marshal intent: %v", err)
+	}
+	var decoded PaymentIntent
+	if err := json.Unmarshal(data, &decoded); err != nil {
+		t.Fatalf("unmarshal intent: %v", err)
+	}
+
+	if decoded.Kind != intent.Kind || decoded.SettlementMode != intent.SettlementMode {
+		t.Fatalf("scalar fields changed after round trip")
+	}
+	if decoded.Amount == nil || *decoded.Amount != *intent.Amount {
+		t.Fatalf("amount mismatch after round trip")
+	}
+	if decoded.FX == nil || decoded.FX.PreferredProvider != intent.FX.PreferredProvider {
+		t.Fatalf("fx mismatch after round trip")
+	}
+	if decoded.Source == nil || decoded.Destination == nil {
+		t.Fatalf("source/destination missing after round trip")
+	}
+	sourceDecoded, err := decoded.Source.DecodeLedger()
+	if err != nil {
+		t.Fatalf("decode source after round trip: %v", err)
+	}
+	if sourceDecoded != sourcePayload {
+		t.Fatalf("source payload mismatch after round trip: %#v vs %#v", sourceDecoded, sourcePayload)
+	}
+	destDecoded, err := decoded.Destination.DecodeExternalChain()
+	if err != nil {
+		t.Fatalf("decode destination after round trip: %v", err)
+	}
+	if !reflect.DeepEqual(destDecoded, destPayload) {
+		t.Fatalf("destination payload mismatch after round trip: %#v vs %#v", destDecoded, destPayload)
+	}
+	if decoded.Attributes["k"] != "v" {
+		t.Fatalf("attributes mismatch after round trip")
+	}
+}
+
+func TestPaymentIntentMinimalRoundTrip(t *testing.T) {
+	sourcePayload := ManagedWalletEndpoint{ManagedWalletRef: "mw"}
+	source, err := NewManagedWalletEndpointDTO(sourcePayload, nil)
+	if err != nil {
+		t.Fatalf("build source endpoint: %v", err)
+	}
+	destPayload := LedgerEndpoint{LedgerAccountRef: "dest-ledger"}
+	dest, err := NewLedgerEndpointDTO(destPayload, nil)
+	if err != nil {
+		t.Fatalf("build destination endpoint: %v", err)
+	}
+
+	intent := &PaymentIntent{
+		Kind:        PaymentKindInternalTransfer,
+		Source:      &source,
+		Destination: &dest,
+		Amount:      &model.Money{Amount: "1", Currency: "USD"},
+	}
+
+	data, err := json.Marshal(intent)
+	if err != nil {
+		t.Fatalf("marshal intent: %v", err)
+	}
+	var decoded PaymentIntent
+	if err := json.Unmarshal(data, &decoded); err != nil {
+		t.Fatalf("unmarshal intent: %v", err)
+	}
+
+	if decoded.Kind != intent.Kind || decoded.FX != nil {
+		t.Fatalf("unexpected fx data in minimal intent: %#v", decoded)
+	}
+	if decoded.Amount == nil || *decoded.Amount != *intent.Amount {
+		t.Fatalf("amount mismatch after round trip")
+	}
+	if decoded.Source == nil || decoded.Destination == nil {
+		t.Fatalf("endpoints missing after round trip")
+	}
+	sourceDecoded, err := decoded.Source.DecodeManagedWallet()
+	if err != nil {
+		t.Fatalf("decode source: %v", err)
+	}
+	if !reflect.DeepEqual(sourceDecoded, sourcePayload) {
+		t.Fatalf("source payload mismatch: %#v vs %#v", sourceDecoded, sourcePayload)
+	}
+	destDecoded, err := decoded.Destination.DecodeLedger()
+	if err != nil {
+		t.Fatalf("decode destination: %v", err)
+	}
+	if destDecoded != destPayload {
+		t.Fatalf("destination payload mismatch: %#v vs %#v", destDecoded, destPayload)
+	}
+}
+
+func TestLegacyEndpointRoundTrip(t *testing.T) {
+	legacy := &LegacyPaymentEndpoint{
+		ExternalChain: &ExternalChainEndpoint{
+			Asset:   &Asset{Chain: ChainNetworkOtherEVM, TokenSymbol: "DAI", ContractAddress: "0xdef"},
+			Address: "0x123",
+			Memo:    "memo",
+		},
+		Metadata: map[string]string{"note": "legacy"},
+	}
+
+	endpoint, err := LegacyPaymentEndpointToEndpointDTO(legacy)
+	if err != nil {
+		t.Fatalf("convert legacy to dto: %v", err)
+	}
+	if endpoint == nil || endpoint.Type != EndpointTypeExternalChain {
+		t.Fatalf("unexpected endpoint result: %#v", endpoint)
+	}
+	legacy.Metadata["note"] = "changed"
+	if endpoint.Metadata["note"] != "legacy" {
+		t.Fatalf("metadata should be copied from legacy")
+	}
+
+	roundTrip, err := EndpointDTOToLegacyPaymentEndpoint(endpoint)
+	if err != nil {
+		t.Fatalf("convert dto back to legacy: %v", err)
+	}
+	if roundTrip == nil || roundTrip.ExternalChain == nil {
+		t.Fatalf("round trip legacy missing payload: %#v", roundTrip)
+	}
+	if !reflect.DeepEqual(roundTrip.ExternalChain, legacy.ExternalChain) {
+		t.Fatalf("round trip payload mismatch: %#v vs %#v", roundTrip.ExternalChain, legacy.ExternalChain)
+	}
+	if roundTrip.Metadata["note"] != "legacy" {
+		t.Fatalf("metadata mismatch after round trip: %v", roundTrip.Metadata)
+	}
+}
+
+func TestLegacyEndpointConversionRejectsMultiple(t *testing.T) {
+	_, err := LegacyPaymentEndpointToEndpointDTO(&LegacyPaymentEndpoint{
+		Ledger: &LedgerEndpoint{LedgerAccountRef: "a"},
+		Card:   &CardEndpoint{Pan: "t"},
+	})
+	if err == nil {
+		t.Fatalf("expected error when multiple legacy endpoints are set")
+	}
+}
+
+func TestEndpointUnmarshalLegacyShape(t *testing.T) {
+	raw := []byte(`{"ledger":{"ledger_account_ref":"abc"}}`)
+	var endpoint Endpoint
+	if err := json.Unmarshal(raw, &endpoint); err != nil {
+		t.Fatalf("unmarshal legacy shape: %v", err)
+	}
+	if endpoint.Type != EndpointTypeLedger {
+		t.Fatalf("expected type %s got %s", EndpointTypeLedger, endpoint.Type)
+	}
+	payload, err := endpoint.DecodeLedger()
+	if err != nil {
+		t.Fatalf("decode ledger from legacy shape: %v", err)
+	}
+	if payload.LedgerAccountRef != "abc" {
+		t.Fatalf("unexpected payload from legacy shape: %#v", payload)
+	}
+}

api/server/interface/api/srequest/payment_value_objects.go

@@ -0,0 +1,131 @@
+package srequest
+
+import (
+	"regexp"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/model"
+)
+
+// AssetResolver defines environment-specific supported assets.
+// Implementations should check:
+// - fiat assets (ISO-4217)
+// - crypto assets supported by gateways / FX providers
+type AssetResolver interface {
+	IsSupported(ticker string) bool
+}
+
+// Precompile regex for efficiency.
+var currencySyntax = regexp.MustCompile(`^[A-Z0-9]{2,10}$`)
+
+// ValidateCurrency validates currency syntax and checks dictionary via assetResolver.
+func ValidateCurrency(cur string, assetResolver AssetResolver) error {
+	// Basic presence
+	if strings.TrimSpace(cur) == "" {
+		return merrors.InvalidArgument("currency is required", "intent.currency")
+	}
+
+	// Normalize
+	cur = strings.ToUpper(strings.TrimSpace(cur))
+
+	// Syntax check
+	if !currencySyntax.MatchString(cur) {
+		return merrors.InvalidArgument(
+			"invalid currency format (must be A–Z0–9, length 2–10)",
+			"intent.currency",
+		)
+	}
+
+	// Dictionary validation
+	if assetResolver == nil {
+		return merrors.InvalidArgument("asset resolver is not configured", "intent.currency")
+	}
+
+	if !assetResolver.IsSupported(cur) {
+		return merrors.InvalidArgument("unsupported currency/asset", "intent.currency")
+	}
+
+	return nil
+}
+
+func ValidateMoney(m *model.Money, assetResolver AssetResolver) error {
+	if m == nil {
+		return merrors.InvalidArgument("money is required", "intent.amount")
+	}
+
+	// 1) Basic presence
+	if strings.TrimSpace(m.Amount) == "" {
+		return merrors.InvalidArgument("amount is required", "intent.amount")
+	}
+
+	// 2) Validate decimal amount
+	amount, err := decimal.NewFromString(m.Amount)
+	if err != nil {
+		return merrors.InvalidArgument("invalid decimal amount", "intent.amount")
+	}
+	if amount.IsNegative() {
+		return merrors.InvalidArgument("amount must be >= 0", "intent.amount")
+	}
+
+	// 3) Validate currency via helper
+	if err := ValidateCurrency(m.Currency, assetResolver); err != nil {
+		return err
+	}
+
+	return nil
+}
+
+type CurrencyPair struct {
+	Base  string `json:"base"`
+	Quote string `json:"quote"`
+}
+
+func (p *CurrencyPair) Validate() error {
+	if p == nil {
+		return merrors.InvalidArgument("currency pair is required", "currncy_pair")
+	}
+	if err := ValidateCurrency(p.Base, &AssetResolverStub{}); err != nil {
+		return merrors.InvalidArgument("invalid base currency in pair: "+err.Error(), "currency_pair.base")
+	}
+	if err := ValidateCurrency(p.Quote, &AssetResolverStub{}); err != nil {
+		return merrors.InvalidArgument("invalid quote currency in pair: "+err.Error(), "currency_pair.quote")
+	}
+	return nil
+}
+
+type FXIntent struct {
+	Pair              *CurrencyPair `json:"pair,omitempty"`
+	Side              FXSide        `json:"side,omitempty"`
+	Firm              bool          `json:"firm,omitempty"`
+	TTLms             int64         `json:"ttl_ms,omitempty"`
+	PreferredProvider string        `json:"preferred_provider,omitempty"`
+	MaxAgeMs          int32         `json:"max_age_ms,omitempty"`
+}
+
+func (fx *FXIntent) Validate() error {
+	if fx.Pair != nil {
+		if err := fx.Pair.Validate(); err != nil {
+			return err
+		}
+	}
+
+	var zeroSide FXSide
+	if fx.Side == zeroSide {
+		return merrors.InvalidArgument("fx side is required", "intent.fx.side")
+	}
+
+	if fx.TTLms < 0 {
+		return merrors.InvalidArgument("fx ttl_ms cannot be negative", "intent.fx.ttl_ms")
+	}
+	if fx.TTLms == 0 && fx.Firm {
+		return merrors.InvalidArgument("firm quote requires positive ttl_ms", "intent.fx.ttl_ms")
+	}
+
+	if fx.MaxAgeMs < 0 {
+		return merrors.InvalidArgument("fx max_age_ms cannot be negative", "intent.fx.max_age_ms")
+	}
+
+	return nil
+}

api/server/interface/api/srequest/validateable.go

@@ -0,0 +1,5 @@
+package srequest
+
+type Validatable interface {
+	Validate() error
+}

api/server/interface/api/sresponse/money.go

@@ -1,17 +1,15 @@
 package sresponse
 
-import moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+import (
+	"github.com/tech/sendico/pkg/model"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
 
-type Money struct {
-	Amount   string `json:"amount"`
-	Currency string `json:"currency"`
-}
-
-func toMoney(m *moneyv1.Money) *Money {
+func toMoney(m *moneyv1.Money) *model.Money {
 	if m == nil {
 		return nil
 	}
-	return &Money{
+	return &model.Money{
 		Amount:   m.GetAmount(),
 		Currency: m.GetCurrency(),
 	}

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

@@ -5,6 +5,7 @@ import (
 
 	"github.com/tech/sendico/pkg/api/http/response"
 	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
@@ -13,40 +14,39 @@ import (
 
 type FeeLine struct {
 	LedgerAccountRef string            `json:"ledgerAccountRef,omitempty"`
-	Amount           *Money            `json:"amount,omitempty"`
+	Amount           *model.Money      `json:"amount,omitempty"`
 	LineType         string            `json:"lineType,omitempty"`
 	Side             string            `json:"side,omitempty"`
 	Meta             map[string]string `json:"meta,omitempty"`
 }
 
 type NetworkFee struct {
-	NetworkFee        *Money `json:"networkFee,omitempty"`
-	EstimationContext string `json:"estimationContext,omitempty"`
+	NetworkFee        *model.Money `json:"networkFee,omitempty"`
+	EstimationContext string       `json:"estimationContext,omitempty"`
 }
 
 type FxQuote struct {
-	QuoteRef        string `json:"quoteRef,omitempty"`
-	BaseCurrency    string `json:"baseCurrency,omitempty"`
-	QuoteCurrency   string `json:"quoteCurrency,omitempty"`
-	Side            string `json:"side,omitempty"`
-	Price           string `json:"price,omitempty"`
-	BaseAmount      *Money `json:"baseAmount,omitempty"`
-	QuoteAmount     *Money `json:"quoteAmount,omitempty"`
-	ExpiresAtUnixMs int64  `json:"expiresAtUnixMs,omitempty"`
-	Provider        string `json:"provider,omitempty"`
-	RateRef         string `json:"rateRef,omitempty"`
-	Firm            bool   `json:"firm,omitempty"`
+	QuoteRef        string       `json:"quoteRef,omitempty"`
+	BaseCurrency    string       `json:"baseCurrency,omitempty"`
+	QuoteCurrency   string       `json:"quoteCurrency,omitempty"`
+	Side            string       `json:"side,omitempty"`
+	Price           string       `json:"price,omitempty"`
+	BaseAmount      *model.Money `json:"baseAmount,omitempty"`
+	QuoteAmount     *model.Money `json:"quoteAmount,omitempty"`
+	ExpiresAtUnixMs int64        `json:"expiresAtUnixMs,omitempty"`
+	Provider        string       `json:"provider,omitempty"`
+	RateRef         string       `json:"rateRef,omitempty"`
+	Firm            bool         `json:"firm,omitempty"`
 }
 
 type PaymentQuote struct {
-	QuoteRef                 string      `json:"quoteRef,omitempty"`
-	DebitAmount              *Money      `json:"debitAmount,omitempty"`
-	ExpectedSettlementAmount *Money      `json:"expectedSettlementAmount,omitempty"`
-	ExpectedFeeTotal         *Money      `json:"expectedFeeTotal,omitempty"`
-	FeeQuoteToken            string      `json:"feeQuoteToken,omitempty"`
-	FeeLines                 []FeeLine   `json:"feeLines,omitempty"`
-	NetworkFee               *NetworkFee `json:"networkFee,omitempty"`
-	FxQuote                  *FxQuote    `json:"fxQuote,omitempty"`
+	QuoteRef                 string       `json:"quoteRef,omitempty"`
+	DebitAmount              *model.Money `json:"debitAmount,omitempty"`
+	ExpectedSettlementAmount *model.Money `json:"expectedSettlementAmount,omitempty"`
+	ExpectedFeeTotal         *model.Money `json:"expectedFeeTotal,omitempty"`
+	FeeLines                 []FeeLine    `json:"feeLines,omitempty"`
+	NetworkFee               *NetworkFee  `json:"networkFee,omitempty"`
+	FxQuote                  *FxQuote     `json:"fxQuote,omitempty"`
 }
 
 type Payment struct {
@@ -152,7 +152,6 @@ func toPaymentQuote(q *orchestratorv1.PaymentQuote) *PaymentQuote {
 		DebitAmount:              toMoney(q.GetDebitAmount()),
 		ExpectedSettlementAmount: toMoney(q.GetExpectedSettlementAmount()),
 		ExpectedFeeTotal:         toMoney(q.GetExpectedFeeTotal()),
-		FeeQuoteToken:            q.GetFeeQuoteToken(),
 		FeeLines:                 toFeeLines(q.GetFeeLines()),
 		NetworkFee:               toNetworkFee(q.GetNetworkFee()),
 		FxQuote:                  toFxQuote(q.GetFxQuote()),

api/server/interface/api/sresponse/wallet.go

@@ -6,6 +6,7 @@ import (
 
 	"github.com/tech/sendico/pkg/api/http/response"
 	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
 	paginationv1 "github.com/tech/sendico/pkg/proto/common/pagination/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	"google.golang.org/protobuf/types/known/timestamppb"
@@ -36,10 +37,10 @@ type walletsResponse struct {
 }
 
 type walletBalance struct {
-	Available       *Money `json:"available,omitempty"`
-	PendingInbound  *Money `json:"pendingInbound,omitempty"`
-	PendingOutbound *Money `json:"pendingOutbound,omitempty"`
-	CalculatedAt    string `json:"calculatedAt,omitempty"`
+	Available       *model.Money `json:"available,omitempty"`
+	PendingInbound  *model.Money `json:"pendingInbound,omitempty"`
+	PendingOutbound *model.Money `json:"pendingOutbound,omitempty"`
+	CalculatedAt    string       `json:"calculatedAt,omitempty"`
 }
 
 type walletBalanceResponse struct {

api/server/internal/server/accountapiimp/signup.go

@@ -248,12 +248,11 @@ func (a *AccountAPI) openOrgWallet(ctx context.Context, org *model.Organization,
 		a.logger.Warn("Chain gateway client not configured, skipping wallet creation", mzap.StorableRef(org))
 		return merrors.Internal("chain gateway client is not configured")
 	}
-	asset := *a.chainAsset
 	req := &chainv1.CreateManagedWalletRequest{
 		IdempotencyKey:  uuid.NewString(),
 		OrganizationRef: org.ID.Hex(),
 		OwnerRef:        org.ID.Hex(),
-		Asset:           &asset,
+		Asset:           a.chainAsset,
 		Metadata: map[string]string{
 			"source": "signup",
 			"login":  sr.Account.Login,

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

@@ -1,8 +1,10 @@
 package paymentapiimp
 
 import (
+	"strings"
+
 	"github.com/tech/sendico/pkg/merrors"
-	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	"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"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
@@ -15,6 +17,16 @@ func mapPaymentIntent(intent *srequest.PaymentIntent) (*orchestratorv1.PaymentIn
 		return nil, merrors.InvalidArgument("intent is required")
 	}
 
+	kind, err := mapPaymentKind(intent.Kind)
+	if err != nil {
+		return nil, err
+	}
+
+	settlementMode, err := mapSettlementMode(intent.SettlementMode)
+	if err != nil {
+		return nil, err
+	}
+
 	source, err := mapPaymentEndpoint(intent.Source, "source")
 	if err != nil {
 		return nil, err
@@ -30,48 +42,76 @@ func mapPaymentIntent(intent *srequest.PaymentIntent) (*orchestratorv1.PaymentIn
 	}
 
 	return &orchestratorv1.PaymentIntent{
-		Kind:        orchestratorv1.PaymentKind(intent.Kind),
-		Source:      source,
-		Destination: destination,
-		Amount:      mapMoney(intent.Amount),
-		RequiresFx:  intent.RequiresFX,
-		Fx:          fx,
-		FeePolicy:   mapPolicyOverrides(intent.FeePolicy),
-		Attributes:  copyStringMap(intent.Attributes),
+		Kind:           kind,
+		Source:         source,
+		Destination:    destination,
+		Amount:         mapMoney(intent.Amount),
+		RequiresFx:     fx != nil,
+		Fx:             fx,
+		SettlementMode: settlementMode,
+		Attributes:     copyStringMap(intent.Attributes),
 	}, nil
 }
 
-func mapPaymentEndpoint(endpoint *srequest.PaymentEndpoint, field string) (*orchestratorv1.PaymentEndpoint, error) {
+func mapPaymentEndpoint(endpoint *srequest.Endpoint, field string) (*orchestratorv1.PaymentEndpoint, error) {
 	if endpoint == nil {
 		return nil, nil
 	}
 
-	var (
-		count  int
-		result orchestratorv1.PaymentEndpoint
-	)
-
-	if endpoint.Ledger != nil {
-		count++
+	var result orchestratorv1.PaymentEndpoint
+	switch endpoint.Type {
+	case srequest.EndpointTypeLedger:
+		payload, err := endpoint.DecodeLedger()
+		if err != nil {
+			return nil, merrors.InvalidArgument(field + " endpoint: " + err.Error())
+		}
 		result.Endpoint = &orchestratorv1.PaymentEndpoint_Ledger{
-			Ledger: mapLedgerEndpoint(endpoint.Ledger),
+			Ledger: mapLedgerEndpoint(&payload),
+		}
+	case srequest.EndpointTypeManagedWallet:
+		payload, err := endpoint.DecodeManagedWallet()
+		if err != nil {
+			return nil, merrors.InvalidArgument(field + " endpoint: " + err.Error())
+		}
+		mw, err := mapManagedWalletEndpoint(&payload)
+		if err != nil {
+			return nil, merrors.InvalidArgument(field + " endpoint: " + err.Error())
 		}
-	}
-	if endpoint.ManagedWallet != nil {
-		count++
 		result.Endpoint = &orchestratorv1.PaymentEndpoint_ManagedWallet{
-			ManagedWallet: mapManagedWalletEndpoint(endpoint.ManagedWallet),
+			ManagedWallet: mw,
+		}
+	case srequest.EndpointTypeExternalChain:
+		payload, err := endpoint.DecodeExternalChain()
+		if err != nil {
+			return nil, merrors.InvalidArgument(field + " endpoint: " + err.Error())
+		}
+		ext, err := mapExternalChainEndpoint(&payload)
+		if err != nil {
+			return nil, merrors.InvalidArgument(field + " endpoint: " + err.Error())
 		}
-	}
-	if endpoint.ExternalChain != nil {
-		count++
 		result.Endpoint = &orchestratorv1.PaymentEndpoint_ExternalChain{
-			ExternalChain: mapExternalChainEndpoint(endpoint.ExternalChain),
+			ExternalChain: ext,
 		}
-	}
-
-	if count > 1 {
-		return nil, merrors.InvalidArgument(field + " endpoint must set only one of ledger, managed_wallet, external_chain")
+	case srequest.EndpointTypeCard:
+		payload, err := endpoint.DecodeCard()
+		if err != nil {
+			return nil, merrors.InvalidArgument(field + " endpoint: " + err.Error())
+		}
+		result.Endpoint = &orchestratorv1.PaymentEndpoint_Card{
+			Card: mapCardEndpoint(&payload),
+		}
+	case srequest.EndpointTypeCardToken:
+		payload, err := endpoint.DecodeCardToken()
+		if err != nil {
+			return nil, merrors.InvalidArgument(field + " endpoint: " + err.Error())
+		}
+		result.Endpoint = &orchestratorv1.PaymentEndpoint_Card{
+			Card: mapCardTokenEndpoint(&payload),
+		}
+	case "":
+		return nil, merrors.InvalidArgument(field + " endpoint type is required")
+	default:
+		return nil, merrors.InvalidArgument(field + " endpoint has unsupported type: " + string(endpoint.Type))
 	}
 
 	result.Metadata = copyStringMap(endpoint.Metadata)
@@ -88,39 +128,51 @@ func mapLedgerEndpoint(endpoint *srequest.LedgerEndpoint) *orchestratorv1.Ledger
 	}
 }
 
-func mapManagedWalletEndpoint(endpoint *srequest.ManagedWalletEndpoint) *orchestratorv1.ManagedWalletEndpoint {
+func mapManagedWalletEndpoint(endpoint *srequest.ManagedWalletEndpoint) (*orchestratorv1.ManagedWalletEndpoint, error) {
 	if endpoint == nil {
-		return nil
+		return nil, nil
+	}
+	asset, err := mapAsset(endpoint.Asset)
+	if err != nil {
+		return nil, err
 	}
 	return &orchestratorv1.ManagedWalletEndpoint{
 		ManagedWalletRef: endpoint.ManagedWalletRef,
-		Asset:            mapAsset(endpoint.Asset),
-	}
+		Asset:            asset,
+	}, nil
 }
 
-func mapExternalChainEndpoint(endpoint *srequest.ExternalChainEndpoint) *orchestratorv1.ExternalChainEndpoint {
+func mapExternalChainEndpoint(endpoint *srequest.ExternalChainEndpoint) (*orchestratorv1.ExternalChainEndpoint, error) {
 	if endpoint == nil {
-		return nil
+		return nil, nil
+	}
+	asset, err := mapAsset(endpoint.Asset)
+	if err != nil {
+		return nil, err
 	}
 	return &orchestratorv1.ExternalChainEndpoint{
-		Asset:   mapAsset(endpoint.Asset),
+		Asset:   asset,
 		Address: endpoint.Address,
 		Memo:    endpoint.Memo,
-	}
+	}, nil
 }
 
-func mapAsset(asset *srequest.Asset) *chainv1.Asset {
+func mapAsset(asset *srequest.Asset) (*chainv1.Asset, error) {
 	if asset == nil {
-		return nil
+		return nil, nil
+	}
+	chain, err := mapChainNetwork(asset.Chain)
+	if err != nil {
+		return nil, err
 	}
 	return &chainv1.Asset{
-		Chain:           chainv1.ChainNetwork(asset.Chain),
+		Chain:           chain,
 		TokenSymbol:     asset.TokenSymbol,
 		ContractAddress: asset.ContractAddress,
-	}
+	}, nil
 }
 
-func mapMoney(m *srequest.Money) *moneyv1.Money {
+func mapMoney(m *model.Money) *moneyv1.Money {
 	if m == nil {
 		return nil
 	}
@@ -134,9 +186,13 @@ func mapFXIntent(fx *srequest.FXIntent) (*orchestratorv1.FXIntent, error) {
 	if fx == nil {
 		return nil, nil
 	}
+	side, err := mapFXSide(fx.Side)
+	if err != nil {
+		return nil, err
+	}
 	return &orchestratorv1.FXIntent{
 		Pair:              mapCurrencyPair(fx.Pair),
-		Side:              fxv1.Side(fx.Side),
+		Side:              side,
 		Firm:              fx.Firm,
 		TtlMs:             fx.TTLms,
 		PreferredProvider: fx.PreferredProvider,
@@ -154,12 +210,86 @@ func mapCurrencyPair(pair *srequest.CurrencyPair) *fxv1.CurrencyPair {
 	}
 }
 
-func mapPolicyOverrides(policy *srequest.PolicyOverrides) *feesv1.PolicyOverrides {
-	if policy == nil {
+func mapCardEndpoint(card *srequest.CardEndpoint) *orchestratorv1.CardEndpoint {
+	if card == nil {
 		return nil
 	}
-	return &feesv1.PolicyOverrides{
-		InsufficientNet: feesv1.InsufficientNetPolicy(policy.InsufficientNet),
+	result := &orchestratorv1.CardEndpoint{
+		CardholderName:    strings.TrimSpace(card.FirstName),
+		CardholderSurname: strings.TrimSpace(card.LastName),
+		ExpMonth:          card.ExpMonth,
+		ExpYear:           card.ExpYear,
+		Country:           strings.TrimSpace(card.Country),
+	}
+	if pan := strings.TrimSpace(card.Pan); pan != "" {
+		result.Card = &orchestratorv1.CardEndpoint_Pan{Pan: pan}
+	}
+	return result
+}
+
+func mapCardTokenEndpoint(card *srequest.CardTokenEndpoint) *orchestratorv1.CardEndpoint {
+	if card == nil {
+		return nil
+	}
+	return &orchestratorv1.CardEndpoint{
+		Card:      &orchestratorv1.CardEndpoint_Token{Token: strings.TrimSpace(card.Token)},
+		MaskedPan: strings.TrimSpace(card.MaskedPan),
+	}
+}
+
+func mapPaymentKind(kind srequest.PaymentKind) (orchestratorv1.PaymentKind, error) {
+	switch strings.TrimSpace(string(kind)) {
+	case "", string(srequest.PaymentKindUnspecified):
+		return orchestratorv1.PaymentKind_PAYMENT_KIND_UNSPECIFIED, nil
+	case string(srequest.PaymentKindPayout):
+		return orchestratorv1.PaymentKind_PAYMENT_KIND_PAYOUT, nil
+	case string(srequest.PaymentKindInternalTransfer):
+		return orchestratorv1.PaymentKind_PAYMENT_KIND_INTERNAL_TRANSFER, nil
+	case string(srequest.PaymentKindFxConversion):
+		return orchestratorv1.PaymentKind_PAYMENT_KIND_FX_CONVERSION, nil
+	default:
+		return orchestratorv1.PaymentKind_PAYMENT_KIND_UNSPECIFIED, merrors.InvalidArgument("unsupported payment kind: " + string(kind))
+	}
+}
+
+func mapSettlementMode(mode srequest.SettlementMode) (orchestratorv1.SettlementMode, error) {
+	switch strings.TrimSpace(string(mode)) {
+	case "", string(srequest.SettlementModeUnspecified):
+		return orchestratorv1.SettlementMode_SETTLEMENT_MODE_UNSPECIFIED, nil
+	case string(srequest.SettlementModeFixSource):
+		return orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_SOURCE, nil
+	case string(srequest.SettlementModeFixReceived):
+		return orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED, nil
+	default:
+		return orchestratorv1.SettlementMode_SETTLEMENT_MODE_UNSPECIFIED, merrors.InvalidArgument("unsupported settlement mode: " + string(mode))
+	}
+}
+
+func mapFXSide(side srequest.FXSide) (fxv1.Side, error) {
+	switch strings.TrimSpace(string(side)) {
+	case "", string(srequest.FXSideUnspecified):
+		return fxv1.Side_SIDE_UNSPECIFIED, nil
+	case string(srequest.FXSideBuyBaseSellQuote):
+		return fxv1.Side_BUY_BASE_SELL_QUOTE, nil
+	case string(srequest.FXSideSellBaseBuyQuote):
+		return fxv1.Side_SELL_BASE_BUY_QUOTE, nil
+	default:
+		return fxv1.Side_SIDE_UNSPECIFIED, merrors.InvalidArgument("unsupported fx side: " + string(side))
+	}
+}
+
+func mapChainNetwork(chain srequest.ChainNetwork) (chainv1.ChainNetwork, error) {
+	switch strings.TrimSpace(string(chain)) {
+	case "", string(srequest.ChainNetworkUnspecified):
+		return chainv1.ChainNetwork_CHAIN_NETWORK_UNSPECIFIED, nil
+	case string(srequest.ChainNetworkEthereumMainnet):
+		return chainv1.ChainNetwork_CHAIN_NETWORK_ETHEREUM_MAINNET, nil
+	case string(srequest.ChainNetworkArbitrumOne):
+		return chainv1.ChainNetwork_CHAIN_NETWORK_ARBITRUM_ONE, nil
+	case string(srequest.ChainNetworkOtherEVM):
+		return chainv1.ChainNetwork_CHAIN_NETWORK_OTHER_EVM, nil
+	default:
+		return chainv1.ChainNetwork_CHAIN_NETWORK_UNSPECIFIED, merrors.InvalidArgument("unsupported chain network: " + string(chain))
 	}
 }
 

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

@@ -39,16 +39,29 @@ func (a *PaymentAPI) initiatePayment(r *http.Request, account *model.Account, to
 	if err != nil {
 		return response.BadPayload(a.logger, a.Name(), err)
 	}
-	if expectQuote && strings.TrimSpace(payload.QuoteRef) == "" {
-		return response.BadPayload(a.logger, a.Name(), merrors.InvalidArgument("quote_ref is required"))
-	}
-	if !expectQuote {
-		payload.QuoteRef = ""
+
+	if expectQuote {
+		if payload.QuoteRef == "" {
+			return response.BadPayload(a.logger, a.Name(), merrors.InvalidArgument("quoteRef is required"))
+		}
+		if payload.Intent != nil {
+			return response.BadPayload(a.logger, a.Name(), merrors.DataConflict("quoteRef cannot be combined with intent"))
+		}
+	} else {
+		if payload.Intent == nil {
+			return response.BadPayload(a.logger, a.Name(), merrors.InvalidArgument("intent is required"))
+		}
+		if payload.QuoteRef != "" {
+			return response.BadPayload(a.logger, a.Name(), merrors.DataConflict("quoteRef cannot be used when intent is provided"))
+		}
 	}
 
-	intent, err := mapPaymentIntent(payload.Intent)
-	if err != nil {
-		return response.BadPayload(a.logger, a.Name(), err)
+	var intent *orchestratorv1.PaymentIntent
+	if payload.Intent != nil {
+		intent, err = mapPaymentIntent(payload.Intent)
+		if err != nil {
+			return response.BadPayload(a.logger, a.Name(), err)
+		}
 	}
 
 	req := &orchestratorv1.InitiatePaymentRequest{
@@ -57,8 +70,6 @@ func (a *PaymentAPI) initiatePayment(r *http.Request, account *model.Account, to
 		},
 		IdempotencyKey: strings.TrimSpace(payload.IdempotencyKey),
 		Intent:         intent,
-		FeeQuoteToken:  strings.TrimSpace(payload.FeeQuoteToken),
-		FxQuoteRef:     strings.TrimSpace(payload.FxQuoteRef),
 		QuoteRef:       strings.TrimSpace(payload.QuoteRef),
 		Metadata:       payload.Metadata,
 	}
@@ -80,11 +91,10 @@ func decodeInitiatePayload(r *http.Request) (*srequest.InitiatePayment, error) {
 		return nil, merrors.InvalidArgument("invalid payload: " + err.Error())
 	}
 	payload.IdempotencyKey = strings.TrimSpace(payload.IdempotencyKey)
-	if payload.IdempotencyKey == "" {
-		return nil, merrors.InvalidArgument("idempotencyKey is required")
-	}
-	if payload.Intent == nil {
-		return nil, merrors.InvalidArgument("intent is required")
+	payload.QuoteRef = strings.TrimSpace(payload.QuoteRef)
+
+	if err := payload.Validate(); err != nil {
+		return nil, err
 	}
 	return payload, nil
 }

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

@@ -36,11 +36,17 @@ func (a *PaymentAPI) quotePayment(r *http.Request, account *model.Account, token
 
 	payload, err := decodeQuotePayload(r)
 	if err != nil {
+		a.logger.Debug("Failed to decode payload", zap.Error(err), mutil.PLog(a.oph, r))
 		return response.BadPayload(a.logger, a.Name(), err)
 	}
+	if err := payload.Validate(); err != nil {
+		a.logger.Debug("Failed to validate payload", zap.Error(err), mutil.PLog(a.oph, r))
+		return response.Auto(a.logger, a.Name(), err)
+	}
 
-	intent, err := mapPaymentIntent(payload.Intent)
+	intent, err := mapPaymentIntent(&payload.Intent)
 	if err != nil {
+		a.logger.Debug("Failed to map payment intent", zap.Error(err), mutil.PLog(a.oph, r))
 		return response.BadPayload(a.logger, a.Name(), err)
 	}
 
@@ -50,7 +56,6 @@ func (a *PaymentAPI) quotePayment(r *http.Request, account *model.Account, token
 		},
 		IdempotencyKey: payload.IdempotencyKey,
 		Intent:         intent,
-		PreviewOnly:    payload.PreviewOnly,
 	}
 
 	resp, err := a.client.QuotePayment(ctx, req)
@@ -67,14 +72,11 @@ func decodeQuotePayload(r *http.Request) (*srequest.QuotePayment, error) {
 
 	payload := &srequest.QuotePayment{}
 	if err := json.NewDecoder(r.Body).Decode(payload); err != nil {
-		return nil, merrors.InvalidArgument("invalid payload: " + err.Error())
+		return nil, merrors.InvalidArgument("invalid payload: "+err.Error(), "payload")
 	}
 	payload.IdempotencyKey = strings.TrimSpace(payload.IdempotencyKey)
-	if payload.IdempotencyKey == "" {
-		return nil, merrors.InvalidArgument("idempotencyKey is required")
-	}
-	if payload.Intent == nil {
-		return nil, merrors.InvalidArgument("intent is required")
+	if err := payload.Validate(); err != nil {
+		return nil, err
 	}
 	return payload, nil
 }

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

@@ -35,7 +35,7 @@ type PaymentAPI struct {
 	permissionRef primitive.ObjectID
 }
 
-func (a *PaymentAPI) Name() mservice.Type { return mservice.PaymentOrchestrator }
+func (a *PaymentAPI) Name() mservice.Type { return mservice.Payments }
 
 func (a *PaymentAPI) Finish(ctx context.Context) error {
 	if a.client != nil {
@@ -48,12 +48,12 @@ func (a *PaymentAPI) Finish(ctx context.Context) error {
 
 func CreateAPI(apiCtx eapi.API) (*PaymentAPI, error) {
 	p := &PaymentAPI{
-		logger: apiCtx.Logger().Named(mservice.PaymentOrchestrator),
+		logger: apiCtx.Logger().Named(mservice.Payments),
 		enf:    apiCtx.Permissions().Enforcer(),
 		oph:    mutil.CreatePH(mservice.Organizations),
 	}
 
-	desc, err := apiCtx.Permissions().GetPolicyDescription(context.Background(), mservice.PaymentOrchestrator)
+	desc, err := apiCtx.Permissions().GetPolicyDescription(context.Background(), mservice.Payments)
 	if err != nil {
 		p.logger.Warn("Failed to fetch payment orchestrator permission description", zap.Error(err))
 		return nil, err

ci/prod/compose/bff.yml

@@ -31,6 +31,7 @@ services:
       NATS_PASSWORD: ${NATS_PASSWORD}
       CHAIN_GATEWAY_ADDRESS: ${CHAIN_GATEWAY_SERVICE_NAME}:${CHAIN_GATEWAY_GRPC_PORT}
       LEDGER_ADDRESS: ${LEDGER_SERVICE_NAME}:${LEDGER_GRPC_PORT}
+      PAYMENTS_ADDRESS: ${PAYMENTS_SERVICE_NAME}:${PAYMENTS_GRPC_PORT}
       MONGO_HOST: ${MONGO_HOST}
       MONGO_PORT: ${MONGO_PORT}
       MONGO_DATABASE: ${MONGO_DATABASE}

frontend/pshared/lib/api/requests/payment/base.dart

@@ -0,0 +1,20 @@
+import 'package:json_annotation/json_annotation.dart';
+
+
+part 'base.g.dart';
+
+
+@JsonSerializable()
+class PaymentBaseRequest {
+  final String idempotencyKey;
+  final Map<String, String>? metadata;
+
+  const PaymentBaseRequest({
+    required this.idempotencyKey,
+    this.metadata,
+  });
+
+  factory PaymentBaseRequest.fromJson(Map<String, dynamic> json) => _$PaymentBaseRequestFromJson(json);
+  Map<String, dynamic> toJson() => _$PaymentBaseRequestToJson(this);
+
+}

frontend/pshared/lib/api/requests/payment/initiate.dart

@@ -0,0 +1,24 @@
+import 'package:json_annotation/json_annotation.dart';
+
+import 'package:pshared/api/requests/payment/base.dart';
+import 'package:pshared/data/dto/payment/intent/payment.dart';
+
+part 'initiate.g.dart';
+
+
+@JsonSerializable()
+class InitiatePaymentRequest extends PaymentBaseRequest {
+  final PaymentIntentDTO? intent;
+  final String? quoteRef;
+
+  const InitiatePaymentRequest({
+    required super.idempotencyKey,
+    super.metadata,
+    this.intent,
+    this.quoteRef,
+  });
+
+  factory InitiatePaymentRequest.fromJson(Map<String, dynamic> json) => _$InitiatePaymentRequestFromJson(json);
+  @override
+  Map<String, dynamic> toJson() => _$InitiatePaymentRequestToJson(this);
+}

frontend/pshared/lib/api/requests/payment/quote.dart

@@ -0,0 +1,26 @@
+import 'package:json_annotation/json_annotation.dart';
+import 'package:pshared/api/requests/payment/base.dart';
+
+import 'package:pshared/data/dto/payment/intent/payment.dart';
+
+part 'quote.g.dart';
+
+
+@JsonSerializable()
+class QuotePaymentRequest extends PaymentBaseRequest {
+  final PaymentIntentDTO intent;
+
+  @JsonKey(defaultValue: false)
+  final bool previewOnly;
+
+  const QuotePaymentRequest({
+    required super.idempotencyKey,
+    super.metadata,
+    required this.intent,
+    this.previewOnly = false,
+  });
+
+  factory QuotePaymentRequest.fromJson(Map<String, dynamic> json) => _$QuotePaymentRequestFromJson(json);
+  @override
+  Map<String, dynamic> toJson() => _$QuotePaymentRequestToJson(this);
+}

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

@@ -4,7 +4,7 @@ import 'package:pshared/api/responses/base.dart';
 import 'package:pshared/api/responses/token.dart';
 import 'package:pshared/data/dto/payment/method.dart';
 
-part 'payment_method.g.dart';
+part 'method.g.dart';
 
 
 @JsonSerializable(explicitToJson: true)

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

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

frontend/pshared/lib/config/common.dart

@@ -11,8 +11,6 @@ class CommonConstants {
   static String apiEndpoint = '/api/v1';
   static String amplitudeSecret = 'c3d75b3e2520d708440acbb16b923e79';
   static String amplitudeServerZone = 'EU';
-  static String posthogApiKey = '';
-  static String posthogHost = 'https://eu.i.posthog.com';
   static Locale defaultLocale = const Locale('en');
   static String defaultCurrency = 'EUR';
   static int defaultDimensionLength = 500;
@@ -38,8 +36,6 @@ class CommonConstants {
     apiEndpoint = configJson['apiEndpoint'] ?? apiEndpoint;
     amplitudeSecret = configJson['amplitudeSecret'] ?? amplitudeSecret;
     amplitudeServerZone = configJson['amplitudeServerZone'] ?? amplitudeServerZone;
-    posthogApiKey = configJson['posthogApiKey'] ?? posthogApiKey;
-    posthogHost = configJson['posthogHost'] ?? posthogHost;
     defaultLocale = Locale(configJson['defaultLocale'] ?? defaultLocale.languageCode);
     defaultCurrency = configJson['defaultCurrency'] ?? defaultCurrency;
     wsProto = configJson['wsProto'] ?? wsProto;

frontend/pshared/lib/config/mobile.dart

@@ -15,8 +15,6 @@ class Constants extends CommonConstants {
   static String get currentOrgKey => CommonConstants.currentOrgKey;
   static String get apiUrl => CommonConstants.apiUrl;
   static String get serviceUrl => CommonConstants.serviceUrl;
-  static String get posthogApiKey => CommonConstants.posthogApiKey;
-  static String get posthogHost => CommonConstants.posthogHost;
   static int get defaultDimensionLength => CommonConstants.defaultDimensionLength;
   static String get deviceIdStorageKey => CommonConstants.deviceIdStorageKey;
   static String get nilObjectRef => CommonConstants.nilObjectRef;