Merge pull request 'Added ownership reference + wallet creation methods' (#243 ) from owner-242 into main

Reviewed-on: #243
Added ownership reference + wallet creation methods
2026-01-07 12:14:59 +00:00 · 2026-01-07 13:12:31 +01:00 · 2026-01-06 18:08:18 +00:00 · 2026-01-06 19:06:15 +01:00 · 2026-01-06 17:05:26 +00:00 · 2026-01-06 18:04:56 +01:00
284 changed files with 20857 additions and 2527 deletions
--- a/.woodpecker/discovery.yml
+++ b/.woodpecker/discovery.yml
@@ -0,0 +1,72 @@
+matrix:
+  include:
+    - DISCOVERY_IMAGE_PATH: discovery/service
+      DISCOVERY_DOCKERFILE: ci/prod/compose/discovery.dockerfile
+      DISCOVERY_ENV: prod
+
+when:
+  - event: push
+    branch: main
+
+steps:
+  - name: version
+    image: alpine:latest
+    commands:
+      - set -euo pipefail 2>/dev/null || set -eu
+      - apk add --no-cache git
+      - GIT_REV="$(git rev-parse --short HEAD)"
+      - BUILD_BRANCH="$(git rev-parse --abbrev-ref HEAD)"
+      - APP_V="$(cat version)"
+      - BUILD_DATE="$(date -u +%Y-%m-%dT%H:%M:%SZ)"
+      - BUILD_USER="${WOODPECKER_MACHINE:-woodpecker}"
+      - printf "GIT_REV=%s\nBUILD_BRANCH=%s\nAPP_V=%s\nBUILD_DATE=%s\nBUILD_USER=%s\n" \
+          "$GIT_REV" "$BUILD_BRANCH" "$APP_V" "$BUILD_DATE" "$BUILD_USER" | tee .env.version
+
+  - name: proto
+    image: golang:alpine
+    depends_on: [ version ]
+    commands:
+      - set -eu
+      - apk add --no-cache bash git build-base protoc protobuf-dev
+      - go install google.golang.org/protobuf/cmd/protoc-gen-go@latest
+      - go install google.golang.org/grpc/cmd/protoc-gen-go-grpc@latest
+      - export PATH="$(go env GOPATH)/bin:$PATH"
+      - bash ci/scripts/proto/generate.sh
+
+  - name: secrets
+    image: alpine:latest
+    depends_on: [ version ]
+    environment:
+      VAULT_ADDR: { from_secret: VAULT_ADDR }
+      VAULT_ROLE_ID:   { from_secret: VAULT_APP_ROLE }
+      VAULT_SECRET_ID: { from_secret: VAULT_SECRET_ID }
+    commands:
+      - set -euo pipefail
+      - apk add --no-cache bash coreutils openssh-keygen curl sed python3
+      - mkdir -p secrets
+      - ./ci/vlt kv_to_file kv ops/deploy/ssh_key private_b64 secrets/SSH_KEY.b64 600
+      - base64 -d secrets/SSH_KEY.b64 > secrets/SSH_KEY
+      - chmod 600 secrets/SSH_KEY
+      - ssh-keygen -y -f secrets/SSH_KEY >/dev/null
+      - ./ci/vlt kv_get kv registry user > secrets/REGISTRY_USER
+      - ./ci/vlt kv_get kv registry password > secrets/REGISTRY_PASSWORD
+
+  - name: build-image
+    image: gcr.io/kaniko-project/executor:debug
+    depends_on: [ proto, secrets ]
+    commands:
+      - sh ci/scripts/discovery/build-image.sh
+
+  - name: deploy
+    image: alpine:latest
+    depends_on: [ secrets, build-image ]
+    environment:
+      VAULT_ADDR: { from_secret: VAULT_ADDR }
+      VAULT_ROLE_ID:   { from_secret: VAULT_APP_ROLE }
+      VAULT_SECRET_ID: { from_secret: VAULT_SECRET_ID }
+    commands:
+      - set -euo pipefail
+      - apk add --no-cache bash openssh-client rsync coreutils curl sed python3
+      - mkdir -p /root/.ssh
+      - install -m 600 secrets/SSH_KEY /root/.ssh/id_rsa
+      - sh ci/scripts/discovery/deploy.sh
--- a/.woodpecker/gateway_chain.yml
+++ b/.woodpecker/gateway_chain.yml
--- a/.woodpecker/gateway_mntx.yml
+++ b/.woodpecker/gateway_mntx.yml
--- a/.woodpecker/gateway_tgsettle.yml
+++ b/.woodpecker/gateway_tgsettle.yml
@@ -0,0 +1,73 @@
+matrix:
+  include:
+    - TGSETTLE_GATEWAY_IMAGE_PATH: gateway/tgsettle
+      TGSETTLE_GATEWAY_DOCKERFILE: ci/prod/compose/tgsettle_gateway.dockerfile
+      TGSETTLE_GATEWAY_MONGO_SECRET_PATH: sendico/db
+      TGSETTLE_GATEWAY_ENV: prod
+
+when:
+  - event: push
+    branch: main
+
+steps:
+  - name: version
+    image: alpine:latest
+    commands:
+      - set -euo pipefail 2>/dev/null || set -eu
+      - apk add --no-cache git
+      - GIT_REV="$(git rev-parse --short HEAD)"
+      - BUILD_BRANCH="$(git rev-parse --abbrev-ref HEAD)"
+      - APP_V="$(cat version)"
+      - BUILD_DATE="$(date -u +%Y-%m-%dT%H:%M:%SZ)"
+      - BUILD_USER="${WOODPECKER_MACHINE:-woodpecker}"
+      - printf "GIT_REV=%s\nBUILD_BRANCH=%s\nAPP_V=%s\nBUILD_DATE=%s\nBUILD_USER=%s\n" \
+          "$GIT_REV" "$BUILD_BRANCH" "$APP_V" "$BUILD_DATE" "$BUILD_USER" | tee .env.version
+
+  - name: proto
+    image: golang:alpine
+    depends_on: [ version ]
+    commands:
+      - set -eu
+      - apk add --no-cache bash git build-base protoc protobuf-dev
+      - go install google.golang.org/protobuf/cmd/protoc-gen-go@latest
+      - go install google.golang.org/grpc/cmd/protoc-gen-go-grpc@latest
+      - export PATH="$(go env GOPATH)/bin:$PATH"
+      - bash ci/scripts/proto/generate.sh
+
+  - name: secrets
+    image: alpine:latest
+    depends_on: [ version ]
+    environment:
+      VAULT_ADDR: { from_secret: VAULT_ADDR }
+      VAULT_ROLE_ID:   { from_secret: VAULT_APP_ROLE }
+      VAULT_SECRET_ID: { from_secret: VAULT_SECRET_ID }
+    commands:
+      - set -euo pipefail
+      - apk add --no-cache bash coreutils openssh-keygen curl sed python3
+      - mkdir -p secrets
+      - ./ci/vlt kv_to_file kv ops/deploy/ssh_key private_b64 secrets/SSH_KEY.b64 600
+      - base64 -d secrets/SSH_KEY.b64 > secrets/SSH_KEY
+      - chmod 600 secrets/SSH_KEY
+      - ssh-keygen -y -f secrets/SSH_KEY >/dev/null
+      - ./ci/vlt kv_get kv registry user > secrets/REGISTRY_USER
+      - ./ci/vlt kv_get kv registry password > secrets/REGISTRY_PASSWORD
+
+  - name: build-image
+    image: gcr.io/kaniko-project/executor:debug
+    depends_on: [ proto, secrets ]
+    commands:
+      - sh ci/scripts/tgsettle/build-image.sh
+
+  - name: deploy
+    image: alpine:latest
+    depends_on: [ secrets, build-image ]
+    environment:
+      VAULT_ADDR: { from_secret: VAULT_ADDR }
+      VAULT_ROLE_ID:   { from_secret: VAULT_APP_ROLE }
+      VAULT_SECRET_ID: { from_secret: VAULT_SECRET_ID }
+    commands:
+      - set -euo pipefail
+      - apk add --no-cache bash openssh-client rsync coreutils curl sed python3
+      - mkdir -p /root/.ssh
+      - install -m 600 secrets/SSH_KEY /root/.ssh/id_rsa
+      - sh ci/scripts/tgsettle/deploy.sh
--- a/api/billing/fees/go.mod
+++ b/api/billing/fees/go.mod
@@ -36,7 +36,7 @@ require (
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_golang v1.23.2
 	github.com/prometheus/client_model v0.6.2 // indirect
-	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
 	github.com/prometheus/procfs v0.19.2 // indirect
 	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
 	github.com/xdg-go/scram v1.2.0 // indirect
--- a/api/billing/fees/go.sum
+++ b/api/billing/fees/go.sum
@@ -115,8 +115,8 @@ github.com/prometheus/client_golang v1.23.2 h1:Je96obch5RDVy3FDMndoUsjAhG5Edi49h
 github.com/prometheus/client_golang v1.23.2/go.mod h1:Tb1a6LWHB3/SPIzCoaDXI4I8UHKeFTEQ1YCr+0Gyqmg=
 github.com/prometheus/client_model v0.6.2 h1:oBsgwpGs7iVziMvrGhE53c/GrLUsZdHnqNwqPLxwZyk=
 github.com/prometheus/client_model v0.6.2/go.mod h1:y3m2F6Gdpfy6Ut/GBsUqTWZqCUvMVzSfMLjcu6wAwpE=
-github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+Lvsc=
-github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
+github.com/prometheus/common v0.67.5 h1:pIgK94WWlQt1WLwAC5j2ynLaBRDiinoAb86HZHTUGI4=
+github.com/prometheus/common v0.67.5/go.mod h1:SjE/0MzDEEAyrdr5Gqc6G+sXI67maCxzaT3A2+HqjUw=
 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=
--- a/api/billing/fees/internal/server/internal/serverimp.go
+++ b/api/billing/fees/internal/server/internal/serverimp.go
@@ -26,6 +26,7 @@ type Imp struct {
 	config       *config
 	app          *grpcapp.App[storage.Repository]
 	oracleClient oracleclient.Client
+	service      *fees.Service
 }

 type config struct {
@@ -65,6 +66,9 @@ func Create(logger mlogger.Logger, file string, debug bool) (*Imp, error) {

 func (i *Imp) Shutdown() {
 	if i.app == nil {
+		if i.service != nil {
+			i.service.Shutdown()
+		}
 		if i.oracleClient != nil {
 			_ = i.oracleClient.Close()
 		}
@@ -76,6 +80,10 @@ func (i *Imp) Shutdown() {
 		timeout = i.config.Runtime.ShutdownTimeout()
 	}

+	if i.service != nil {
+		i.service.Shutdown()
+	}
+
 	ctx, cancel := context.WithTimeout(context.Background(), timeout)
 	i.app.Shutdown(ctx)
 	cancel()
@@ -121,7 +129,9 @@ func (i *Imp) Start() error {
 		if oracleClient != nil {
 			opts = append(opts, fees.WithOracleClient(oracleClient))
 		}
-		return fees.NewService(logger, repo, producer, opts...), nil
+		svc := fees.NewService(logger, repo, producer, opts...)
+		i.service = svc
+		return svc, nil
 	}

 	app, err := grpcapp.NewApp(i.logger, "billing_fees", cfg.Config, i.debug, repoFactory, serviceFactory)
--- a/api/billing/fees/internal/service/fees/service.go
+++ b/api/billing/fees/internal/service/fees/service.go
@@ -8,6 +8,7 @@ import (
 	"strings"
 	"time"

+	"github.com/tech/sendico/billing/fees/internal/appversion"
 	internalcalculator "github.com/tech/sendico/billing/fees/internal/service/fees/internal/calculator"
 	"github.com/tech/sendico/billing/fees/internal/service/fees/internal/resolver"
 	"github.com/tech/sendico/billing/fees/storage"
@@ -15,9 +16,11 @@ import (
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
 	"github.com/tech/sendico/pkg/api/routers"
 	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
 	msg "github.com/tech/sendico/pkg/messaging"
 	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
 	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
 	"go.mongodb.org/mongo-driver/bson/primitive"
@@ -36,6 +39,7 @@ type Service struct {
 	calculator Calculator
 	oracle     oracleclient.Client
 	resolver   FeeResolver
+	announcer  *discovery.Announcer
 	feesv1.UnimplementedFeeEngineServer
 }

@@ -62,6 +66,8 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 		svc.resolver = resolver.New(repo.Plans(), svc.logger)
 	}

+	svc.startDiscoveryAnnouncer()
+
 	return svc
 }

@@ -71,6 +77,28 @@ func (s *Service) Register(router routers.GRPC) error {
 	})
 }

+func (s *Service) Shutdown() {
+	if s == nil {
+		return
+	}
+	if s.announcer != nil {
+		s.announcer.Stop()
+	}
+}
+
+func (s *Service) startDiscoveryAnnouncer() {
+	if s == nil || s.producer == nil {
+		return
+	}
+	announce := discovery.Announcement{
+		Service:    "BILLING_FEES",
+		Operations: []string{"fee.calc"},
+		Version:    appversion.Create().Short(),
+	}
+	s.announcer = discovery.NewAnnouncer(s.logger, s.producer, string(mservice.FeePlans), announce)
+	s.announcer.Start()
+}
+
 func (s *Service) QuoteFees(ctx context.Context, req *feesv1.QuoteFeesRequest) (resp *feesv1.QuoteFeesResponse, err error) {
 	var (
 		meta   *feesv1.RequestMeta
--- a/api/discovery/.gitignore
+++ b/api/discovery/.gitignore
@@ -0,0 +1,3 @@
+internal/generated
+.gocache
+app
--- a/api/discovery/config.yml
+++ b/api/discovery/config.yml
@@ -0,0 +1,20 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+metrics:
+  address: ":9405"
+
+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: Discovery Service
+    max_reconnects: 10
+    reconnect_wait: 5
+
+registry:
+  kv_ttl_seconds: 3600
--- a/api/discovery/go.mod
+++ b/api/discovery/go.mod
@@ -0,0 +1,51 @@
+module github.com/tech/sendico/discovery
+
+go 1.25.3
+
+replace github.com/tech/sendico/pkg => ../pkg
+
+require (
+	github.com/go-chi/chi/v5 v5.2.3
+	github.com/prometheus/client_golang v1.23.2
+	github.com/tech/sendico/pkg v0.1.0
+	go.uber.org/zap v1.27.1
+	gopkg.in/yaml.v3 v3.0.1
+)
+
+require (
+	github.com/beorn7/perks v1.0.1 // indirect
+	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
+	github.com/casbin/govaluate v1.10.0 // indirect
+	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
+	github.com/cespare/xxhash/v2 v2.3.0 // indirect
+	github.com/golang/snappy v1.0.0 // indirect
+	github.com/google/uuid v1.6.0 // indirect
+	github.com/klauspost/compress v1.18.2 // indirect
+	github.com/mattn/go-colorable v0.1.14 // indirect
+	github.com/mattn/go-isatty v0.0.20 // indirect
+	github.com/mitchellh/mapstructure v1.5.0 // indirect
+	github.com/montanaflynn/stats v0.7.1 // indirect
+	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
+	github.com/nats-io/nkeys v0.4.12 // indirect
+	github.com/nats-io/nuid v1.0.1 // indirect
+	github.com/prometheus/client_model v0.6.2 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
+	github.com/prometheus/procfs v0.19.2 // indirect
+	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
+	github.com/xdg-go/scram v1.2.0 // indirect
+	github.com/xdg-go/stringprep v1.0.4 // indirect
+	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
+	go.mongodb.org/mongo-driver v1.17.6 // indirect
+	go.uber.org/multierr v1.11.0 // indirect
+	go.yaml.in/yaml/v2 v2.4.3 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251222181119-0a764e51fe1b // indirect
+	google.golang.org/grpc v1.78.0 // indirect
+	google.golang.org/protobuf v1.36.11 // indirect
+)
--- a/api/discovery/go.sum
+++ b/api/discovery/go.sum
@@ -0,0 +1,225 @@
+dario.cat/mergo v1.0.1 h1:Ra4+bf83h2ztPIQYNP99R6m+Y7KfnARDfID+a+vLl4s=
+dario.cat/mergo v1.0.1/go.mod h1:uNxQE+84aUszobStD9th8a29P2fMDhsBdgRYvZOxGmk=
+github.com/Azure/go-ansiterm v0.0.0-20230124172434-306776ec8161 h1:L/gRVlceqvL25UVaW/CKtUDjefjrs0SPonmDGUVOYP0=
+github.com/Azure/go-ansiterm v0.0.0-20230124172434-306776ec8161/go.mod h1:xomTg63KZ2rFqZQzSB4Vz2SUXa1BpHTVz9L5PTmPC4E=
+github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
+github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
+github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=
+github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6rlkpw=
+github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
+github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
+github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
+github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
+github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
+github.com/casbin/mongodb-adapter/v3 v3.7.0 h1:w9c3bea1BGK4eZTAmk17JkY52yv/xSZDSHKji8q+z6E=
+github.com/casbin/mongodb-adapter/v3 v3.7.0/go.mod h1:F1mu4ojoJVE/8VhIMxMedhjfwRDdIXgANYs6Sd0MgVA=
+github.com/cenkalti/backoff/v4 v4.3.0 h1:MyRJ/UdXutAwSAT+s3wNd7MfTIcy71VQueUuFK343L8=
+github.com/cenkalti/backoff/v4 v4.3.0/go.mod h1:Y3VNntkOUPxTVeUxJ/G5vcM//AlwfmyYozVcomhLiZE=
+github.com/cespare/xxhash/v2 v2.3.0 h1:UL815xU9SqsFlibzuggzjXhog7bL6oX9BbNZnL2UFvs=
+github.com/cespare/xxhash/v2 v2.3.0/go.mod h1:VGX0DQ3Q6kWi7AoAeZDth3/j3BFtOZR5XLFGgcrjCOs=
+github.com/containerd/log v0.1.0 h1:TCJt7ioM2cr/tfR8GPbGf9/VRAX8D2B4PjzCpfX540I=
+github.com/containerd/log v0.1.0/go.mod h1:VRRf09a7mHDIRezVKTRCrOq78v577GXq3bSa3EhrzVo=
+github.com/containerd/platforms v0.2.1 h1:zvwtM3rz2YHPQsF2CHYM8+KtB5dvhISiXh5ZpSBQv6A=
+github.com/containerd/platforms v0.2.1/go.mod h1:XHCb+2/hzowdiut9rkudds9bE5yJ7npe7dG/wG+uFPw=
+github.com/cpuguy83/dockercfg v0.3.2 h1:DlJTyZGBDlXqUZ2Dk2Q3xHs/FtnooJJVaad2S9GKorA=
+github.com/cpuguy83/dockercfg v0.3.2/go.mod h1:sugsbF4//dDlL/i+S+rtpIWp+5h0BHJHfjj5/jFyUJc=
+github.com/davecgh/go-spew v1.1.1 h1:vj9j/u1bqnvCEfJOwUhtlOARqs3+rkHYY13jYWTU97c=
+github.com/davecgh/go-spew v1.1.1/go.mod h1:J7Y8YcW2NihsgmVo/mv3lAwl/skON4iLHjSsI+c5H38=
+github.com/distribution/reference v0.6.0 h1:0IXCQ5g4/QMHHkarYzh5l+u8T3t73zM5QvfrDyIgxBk=
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+gopkg.in/yaml.v3 v3.0.1/go.mod h1:K4uyk7z7BCEPqu6E+C64Yfv1cQ7kz7rIZviUmN+EgEM=
--- a/api/discovery/internal/appversion/version.go
+++ b/api/discovery/internal/appversion/version.go
@@ -0,0 +1,27 @@
+package appversion
+
+import (
+	"github.com/tech/sendico/pkg/version"
+	vf "github.com/tech/sendico/pkg/version/factory"
+)
+
+// Build information. Populated at build-time.
+var (
+	Version   string
+	Revision  string
+	Branch    string
+	BuildUser string
+	BuildDate string
+)
+
+func Create() version.Printer {
+	vi := version.Info{
+		Program:   "Sendico Discovery Service",
+		Revision:  Revision,
+		Branch:    Branch,
+		BuildUser: BuildUser,
+		BuildDate: BuildDate,
+		Version:   Version,
+	}
+	return vf.Create(&vi)
+}
--- a/api/discovery/internal/server/internal/config.go
+++ b/api/discovery/internal/server/internal/config.go
@@ -0,0 +1,52 @@
+package serverimp
+
+import (
+	"os"
+	"strings"
+
+	msg "github.com/tech/sendico/pkg/messaging"
+	"github.com/tech/sendico/pkg/server/grpcapp"
+	"go.uber.org/zap"
+	"gopkg.in/yaml.v3"
+)
+
+const defaultMetricsAddress = ":9405"
+
+type config struct {
+	Runtime   *grpcapp.RuntimeConfig `yaml:"runtime"`
+	Messaging *msg.Config            `yaml:"messaging"`
+	Metrics   *metricsConfig         `yaml:"metrics"`
+	Registry  *registryConfig        `yaml:"registry"`
+}
+
+type metricsConfig struct {
+	Address string `yaml:"address"`
+}
+
+type registryConfig struct {
+	KVTTLSeconds *int `yaml:"kv_ttl_seconds"`
+}
+
+func (i *Imp) loadConfig() (*config, error) {
+	data, err := os.ReadFile(i.file)
+	if err != nil {
+		i.logger.Error("Could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
+		return nil, err
+	}
+
+	cfg := &config{}
+	if err := yaml.Unmarshal(data, cfg); err != nil {
+		i.logger.Error("Failed to parse configuration", zap.Error(err))
+		return nil, err
+	}
+
+	if cfg.Runtime == nil {
+		cfg.Runtime = &grpcapp.RuntimeConfig{ShutdownTimeoutSeconds: 15}
+	}
+
+	if cfg.Metrics != nil && strings.TrimSpace(cfg.Metrics.Address) == "" {
+		cfg.Metrics.Address = defaultMetricsAddress
+	}
+
+	return cfg, nil
+}
--- a/api/discovery/internal/server/internal/discovery.go
+++ b/api/discovery/internal/server/internal/discovery.go
@@ -0,0 +1,69 @@
+package serverimp
+
+import (
+	"time"
+
+	"github.com/tech/sendico/discovery/internal/appversion"
+	"github.com/tech/sendico/pkg/discovery"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	msgproducer "github.com/tech/sendico/pkg/messaging/producer"
+	"github.com/tech/sendico/pkg/mservice"
+	"go.uber.org/zap"
+)
+
+func (i *Imp) startDiscovery(cfg *config) error {
+	if cfg == nil || cfg.Messaging == nil || cfg.Messaging.Driver == "" {
+		return merrors.InvalidArgument("discovery service: messaging configuration is required", "messaging")
+	}
+
+	broker, err := msg.CreateMessagingBroker(i.logger.Named("discovery_bus"), cfg.Messaging)
+	if err != nil {
+		return err
+	}
+	i.logger.Info("Discovery messaging broker ready", zap.String("messaging_driver", string(cfg.Messaging.Driver)))
+	producer := msgproducer.NewProducer(i.logger.Named("discovery_producer"), broker)
+
+	registry := discovery.NewRegistry()
+	var registryOpts []discovery.RegistryOption
+	if cfg.Registry != nil && cfg.Registry.KVTTLSeconds != nil {
+		ttlSeconds := *cfg.Registry.KVTTLSeconds
+		if ttlSeconds < 0 {
+			i.logger.Warn("Discovery registry TTL is negative, disabling TTL", zap.Int("ttl_seconds", ttlSeconds))
+			ttlSeconds = 0
+		}
+		registryOpts = append(registryOpts, discovery.WithRegistryKVTTL(time.Duration(ttlSeconds)*time.Second))
+	}
+	svc, err := discovery.NewRegistryService(i.logger, broker, producer, registry, string(mservice.Discovery), registryOpts...)
+	if err != nil {
+		return err
+	}
+	svc.Start()
+	i.registrySvc = svc
+
+	announce := discovery.Announcement{
+		Service:    "DISCOVERY",
+		InstanceID: discovery.InstanceID(),
+		Operations: []string{"discovery.lookup"},
+		Version:    appversion.Create().Short(),
+	}
+	i.announcer = discovery.NewAnnouncer(i.logger, producer, string(mservice.Discovery), announce)
+	i.announcer.Start()
+
+	i.logger.Info("Discovery registry service started", zap.String("messaging_driver", string(cfg.Messaging.Driver)))
+	return nil
+}
+
+func (i *Imp) stopDiscovery() {
+	if i == nil {
+		return
+	}
+	if i.announcer != nil {
+		i.announcer.Stop()
+		i.announcer = nil
+	}
+	if i.registrySvc != nil {
+		i.registrySvc.Stop()
+		i.registrySvc = nil
+	}
+}
--- a/api/discovery/internal/server/internal/metrics.go
+++ b/api/discovery/internal/server/internal/metrics.go
@@ -0,0 +1,85 @@
+package serverimp
+
+import (
+	"context"
+	"errors"
+	"net"
+	"net/http"
+	"strings"
+	"time"
+
+	"github.com/go-chi/chi/v5"
+	"github.com/prometheus/client_golang/prometheus/promhttp"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/api/routers/health"
+	"go.uber.org/zap"
+)
+
+func (i *Imp) startMetrics(cfg *metricsConfig) {
+	if i == nil {
+		return
+	}
+	address := ""
+	if cfg != nil {
+		address = strings.TrimSpace(cfg.Address)
+	}
+	if address == "" {
+		i.logger.Info("Metrics endpoint disabled")
+		return
+	}
+
+	listener, err := net.Listen("tcp", address)
+	if err != nil {
+		i.logger.Error("Failed to bind metrics listener", zap.String("address", address), zap.Error(err))
+		return
+	}
+
+	router := chi.NewRouter()
+	router.Handle("/metrics", promhttp.Handler())
+
+	var healthRouter routers.Health
+	if hr, err := routers.NewHealthRouter(i.logger.Named("metrics"), router, ""); err != nil {
+		i.logger.Warn("Failed to initialise health router", zap.Error(err))
+	} else {
+		hr.SetStatus(health.SSStarting)
+		healthRouter = hr
+	}
+
+	i.metricsHealth = healthRouter
+	i.metricsSrv = &http.Server{
+		Addr:              address,
+		Handler:           router,
+		ReadHeaderTimeout: 5 * time.Second,
+	}
+
+	if healthRouter != nil {
+		healthRouter.SetStatus(health.SSRunning)
+	}
+
+	go func() {
+		i.logger.Info("Prometheus endpoint listening", zap.String("address", address))
+		if err := i.metricsSrv.Serve(listener); err != nil && !errors.Is(err, http.ErrServerClosed) {
+			i.logger.Error("Prometheus endpoint stopped unexpectedly", zap.Error(err))
+			if healthRouter != nil {
+				healthRouter.SetStatus(health.SSTerminating)
+			}
+		}
+	}()
+}
+
+func (i *Imp) shutdownMetrics(ctx context.Context) {
+	if i.metricsHealth != nil {
+		i.metricsHealth.SetStatus(health.SSTerminating)
+		i.metricsHealth.Finish()
+		i.metricsHealth = nil
+	}
+	if i.metricsSrv == nil {
+		return
+	}
+	if err := i.metricsSrv.Shutdown(ctx); err != nil && !errors.Is(err, http.ErrServerClosed) {
+		i.logger.Warn("Failed to stop metrics server", zap.Error(err))
+	} else {
+		i.logger.Info("Metrics server stopped")
+	}
+	i.metricsSrv = nil
+}
--- a/api/discovery/internal/server/internal/serverimp.go
+++ b/api/discovery/internal/server/internal/serverimp.go
@@ -0,0 +1,109 @@
+package serverimp
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.uber.org/zap"
+)
+
+func Create(logger mlogger.Logger, file string, debug bool) (*Imp, error) {
+	return &Imp{
+		logger: logger.Named("server"),
+		file:   file,
+		debug:  debug,
+	}, nil
+}
+
+func (i *Imp) Start() error {
+	i.initStopChannels()
+	defer i.closeDone()
+
+	i.logger.Info("Starting discovery service", zap.String("config_file", i.file), zap.Bool("debug", i.debug))
+
+	cfg, err := i.loadConfig()
+	if err != nil {
+		return err
+	}
+	i.config = cfg
+
+	messagingDriver := "none"
+	if cfg.Messaging != nil {
+		messagingDriver = string(cfg.Messaging.Driver)
+	}
+	metricsAddress := ""
+	if cfg.Metrics != nil {
+		metricsAddress = strings.TrimSpace(cfg.Metrics.Address)
+	}
+	if metricsAddress == "" {
+		metricsAddress = "disabled"
+	}
+	i.logger.Info("Discovery config loaded", zap.String("messaging_driver", messagingDriver), zap.String("metrics_address", metricsAddress))
+
+	i.startMetrics(cfg.Metrics)
+
+	if err := i.startDiscovery(cfg); err != nil {
+		i.stopDiscovery()
+		ctx, cancel := context.WithTimeout(context.Background(), i.shutdownTimeout())
+		i.shutdownMetrics(ctx)
+		cancel()
+		return err
+	}
+
+	i.logger.Info("Discovery service ready", zap.String("messaging_driver", messagingDriver))
+
+	<-i.stopCh
+	i.logger.Info("Discovery service stop signal received")
+	return nil
+}
+
+func (i *Imp) Shutdown() {
+	timeout := i.shutdownTimeout()
+	i.logger.Info("Stopping discovery service", zap.Duration("timeout", timeout))
+
+	i.stopDiscovery()
+	i.signalStop()
+
+	if i.doneCh != nil {
+		<-i.doneCh
+	}
+	ctx, cancel := context.WithTimeout(context.Background(), timeout)
+	i.shutdownMetrics(ctx)
+	cancel()
+
+	i.logger.Info("Discovery service stopped")
+}
+
+func (i *Imp) initStopChannels() {
+	if i.stopCh == nil {
+		i.stopCh = make(chan struct{})
+	}
+	if i.doneCh == nil {
+		i.doneCh = make(chan struct{})
+	}
+}
+
+func (i *Imp) signalStop() {
+	i.stopOnce.Do(func() {
+		if i.stopCh != nil {
+			close(i.stopCh)
+		}
+	})
+}
+
+func (i *Imp) closeDone() {
+	i.doneOnce.Do(func() {
+		if i.doneCh != nil {
+			close(i.doneCh)
+		}
+	})
+}
+
+func (i *Imp) shutdownTimeout() time.Duration {
+	if i.config != nil && i.config.Runtime != nil {
+		return i.config.Runtime.ShutdownTimeout()
+	}
+	return 15 * time.Second
+}
--- a/api/discovery/internal/server/internal/types.go
+++ b/api/discovery/internal/server/internal/types.go
@@ -0,0 +1,28 @@
+package serverimp
+
+import (
+	"net/http"
+	"sync"
+
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/discovery"
+	"github.com/tech/sendico/pkg/mlogger"
+)
+
+type Imp struct {
+	logger mlogger.Logger
+	file   string
+	debug  bool
+
+	config      *config
+	registrySvc *discovery.RegistryService
+	announcer   *discovery.Announcer
+
+	metricsSrv    *http.Server
+	metricsHealth routers.Health
+
+	stopOnce sync.Once
+	doneOnce sync.Once
+	stopCh   chan struct{}
+	doneCh   chan struct{}
+}
--- a/api/discovery/internal/server/server.go
+++ b/api/discovery/internal/server/server.go
@@ -0,0 +1,11 @@
+package server
+
+import (
+	serverimp "github.com/tech/sendico/discovery/internal/server/internal"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+)
+
+func Create(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return serverimp.Create(logger, file, debug)
+}
--- a/api/discovery/main.go
+++ b/api/discovery/main.go
@@ -0,0 +1,17 @@
+package main
+
+import (
+	"github.com/tech/sendico/discovery/internal/appversion"
+	si "github.com/tech/sendico/discovery/internal/server"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+	smain "github.com/tech/sendico/pkg/server/main"
+)
+
+func factory(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return si.Create(logger, file, debug)
+}
+
+func main() {
+	smain.RunServer("main", appversion.Create(), factory)
+}
--- a/api/fx/ingestor/config.yml
+++ b/api/fx/ingestor/config.yml
@@ -49,6 +49,18 @@ metrics:
  enabled: true
  address: ":9102"

+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: FX Ingestor
+    max_reconnects: 10
+    reconnect_wait: 5
+
 database:
  driver: mongodb
  settings:
--- a/api/fx/ingestor/go.mod
+++ b/api/fx/ingestor/go.mod
@@ -36,7 +36,7 @@ require (
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
-	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
 	github.com/prometheus/procfs v0.19.2 // indirect
 	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
 	github.com/xdg-go/scram v1.2.0 // indirect
--- a/api/fx/ingestor/go.sum
+++ b/api/fx/ingestor/go.sum
@@ -115,8 +115,8 @@ github.com/prometheus/client_golang v1.23.2 h1:Je96obch5RDVy3FDMndoUsjAhG5Edi49h
 github.com/prometheus/client_golang v1.23.2/go.mod h1:Tb1a6LWHB3/SPIzCoaDXI4I8UHKeFTEQ1YCr+0Gyqmg=
 github.com/prometheus/client_model v0.6.2 h1:oBsgwpGs7iVziMvrGhE53c/GrLUsZdHnqNwqPLxwZyk=
 github.com/prometheus/client_model v0.6.2/go.mod h1:y3m2F6Gdpfy6Ut/GBsUqTWZqCUvMVzSfMLjcu6wAwpE=
-github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+Lvsc=
-github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
+github.com/prometheus/common v0.67.5 h1:pIgK94WWlQt1WLwAC5j2ynLaBRDiinoAb86HZHTUGI4=
+github.com/prometheus/common v0.67.5/go.mod h1:SjE/0MzDEEAyrdr5Gqc6G+sXI67maCxzaT3A2+HqjUw=
 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=
--- a/api/fx/ingestor/internal/app/app.go
+++ b/api/fx/ingestor/internal/app/app.go
@@ -12,7 +12,10 @@ import (
 	mongostorage "github.com/tech/sendico/fx/storage/mongo"
 	"github.com/tech/sendico/pkg/api/routers/health"
 	"github.com/tech/sendico/pkg/db"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	msgproducer "github.com/tech/sendico/pkg/messaging/producer"
 	"github.com/tech/sendico/pkg/mlogger"
 	"go.uber.org/zap"
 )
@@ -68,6 +71,24 @@ func (a *App) Run(ctx context.Context) error {
 		return err
 	}

+	var announcer *discovery.Announcer
+	if cfg := a.cfg.Messaging; cfg != nil && cfg.Driver != "" {
+		broker, err := msg.CreateMessagingBroker(a.logger.Named("discovery_bus"), cfg)
+		if err != nil {
+			a.logger.Warn("Failed to initialize discovery broker", zap.Error(err))
+		} else {
+			producer := msgproducer.NewProducer(a.logger.Named("discovery_producer"), broker)
+			announce := discovery.Announcement{
+				Service:    "FX_INGESTOR",
+				Operations: []string{"fx.ingest"},
+				Version:    appversion.Create().Short(),
+			}
+			announcer = discovery.NewAnnouncer(a.logger, producer, "fx_ingestor", announce)
+			announcer.Start()
+			defer announcer.Stop()
+		}
+	}
+
 	a.logger.Info("Starting FX ingestor service", zap.String("version", appversion.Create().Info()))
 	metricsSrv.SetStatus(health.SSRunning)

--- a/api/fx/ingestor/internal/config/config.go
+++ b/api/fx/ingestor/internal/config/config.go
@@ -8,16 +8,18 @@ import (
 	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
 	"github.com/tech/sendico/pkg/db"
 	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/messaging"
 	"gopkg.in/yaml.v3"
 )

 const defaultPollInterval = 30 * time.Second

 type Config struct {
-	PollIntervalSeconds int            `yaml:"poll_interval_seconds"`
-	Market              MarketConfig   `yaml:"market"`
-	Database            *db.Config     `yaml:"database"`
-	Metrics             *MetricsConfig `yaml:"metrics"`
+	PollIntervalSeconds int               `yaml:"poll_interval_seconds"`
+	Market              MarketConfig      `yaml:"market"`
+	Database            *db.Config        `yaml:"database"`
+	Metrics             *MetricsConfig    `yaml:"metrics"`
+	Messaging           *messaging.Config `yaml:"messaging"`

 	pairs         []Pair
 	pairsBySource map[mmodel.Driver][]PairConfig
--- a/api/fx/ingestor/main.go
+++ b/api/fx/ingestor/main.go
@@ -11,6 +11,7 @@ import (
 	"github.com/tech/sendico/fx/ingestor/internal/app"
 	"github.com/tech/sendico/fx/ingestor/internal/appversion"
 	"github.com/tech/sendico/fx/ingestor/internal/signalctx"
+	"github.com/tech/sendico/pkg/discovery"
 	lf "github.com/tech/sendico/pkg/mlogger/factory"
 	"go.uber.org/zap"
 )
@@ -25,6 +26,7 @@ func main() {
 	flag.Parse()

 	logger := lf.NewLogger(*debugFlag).Named("fx_ingestor")
+	logger = logger.With(zap.String("instance_id", discovery.InstanceID()))
 	defer logger.Sync()

 	av := appversion.Create()
--- a/api/fx/oracle/go.mod
+++ b/api/fx/oracle/go.mod
@@ -37,7 +37,7 @@ require (
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
-	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
 	github.com/prometheus/procfs v0.19.2 // indirect
 	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
 	github.com/xdg-go/scram v1.2.0 // indirect
--- a/api/fx/oracle/go.sum
+++ b/api/fx/oracle/go.sum
@@ -115,8 +115,8 @@ github.com/prometheus/client_golang v1.23.2 h1:Je96obch5RDVy3FDMndoUsjAhG5Edi49h
 github.com/prometheus/client_golang v1.23.2/go.mod h1:Tb1a6LWHB3/SPIzCoaDXI4I8UHKeFTEQ1YCr+0Gyqmg=
 github.com/prometheus/client_model v0.6.2 h1:oBsgwpGs7iVziMvrGhE53c/GrLUsZdHnqNwqPLxwZyk=
 github.com/prometheus/client_model v0.6.2/go.mod h1:y3m2F6Gdpfy6Ut/GBsUqTWZqCUvMVzSfMLjcu6wAwpE=
-github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+Lvsc=
-github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
+github.com/prometheus/common v0.67.5 h1:pIgK94WWlQt1WLwAC5j2ynLaBRDiinoAb86HZHTUGI4=
+github.com/prometheus/common v0.67.5/go.mod h1:SjE/0MzDEEAyrdr5Gqc6G+sXI67maCxzaT3A2+HqjUw=
 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=
--- a/api/fx/oracle/internal/server/internal/serverimp.go
+++ b/api/fx/oracle/internal/server/internal/serverimp.go
@@ -22,8 +22,9 @@ type Imp struct {
 	file   string
 	debug  bool

-	config *grpcapp.Config
-	app    *grpcapp.App[storage.Repository]
+	config  *grpcapp.Config
+	app     *grpcapp.App[storage.Repository]
+	service *oracle.Service
 }

 func Create(logger mlogger.Logger, file string, debug bool) (*Imp, error) {
@@ -38,6 +39,9 @@ func (i *Imp) Shutdown() {
 	if i.app == nil {
 		return
 	}
+	if i.service != nil {
+		i.service.Shutdown()
+	}
 	timeout := 15 * time.Second
 	if i.config != nil && i.config.Runtime != nil {
 		timeout = i.config.Runtime.ShutdownTimeout()
@@ -59,10 +63,12 @@ func (i *Imp) Start() error {
 	}

 	serviceFactory := func(logger mlogger.Logger, repo storage.Repository, producer msg.Producer) (grpcapp.Service, error) {
-		return oracle.NewService(logger, repo, producer), nil
+		svc := oracle.NewService(logger, repo, producer)
+		i.service = svc
+		return svc, nil
 	}

-	app, err := grpcapp.NewApp(i.logger, "fx_oracle", cfg, i.debug, repoFactory, serviceFactory)
+	app, err := grpcapp.NewApp(i.logger, "fx", cfg, i.debug, repoFactory, serviceFactory)
 	if err != nil {
 		return err
 	}
--- a/api/fx/oracle/internal/service/oracle/service.go
+++ b/api/fx/oracle/internal/service/oracle/service.go
@@ -6,10 +6,12 @@ import (
 	"strings"
 	"time"

+	"github.com/tech/sendico/fx/oracle/internal/appversion"
 	"github.com/tech/sendico/fx/storage"
 	"github.com/tech/sendico/fx/storage/model"
 	"github.com/tech/sendico/pkg/api/routers"
 	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
 	pmessaging "github.com/tech/sendico/pkg/messaging"
 	"github.com/tech/sendico/pkg/mlogger"
@@ -36,19 +38,22 @@ var (
 )

 type Service struct {
-	logger   mlogger.Logger
-	storage  storage.Repository
-	producer pmessaging.Producer
+	logger    mlogger.Logger
+	storage   storage.Repository
+	producer  pmessaging.Producer
+	announcer *discovery.Announcer
 	oraclev1.UnimplementedOracleServer
 }

 func NewService(logger mlogger.Logger, repo storage.Repository, prod pmessaging.Producer) *Service {
 	initMetrics()
-	return &Service{
+	svc := &Service{
 		logger:   logger.Named("oracle"),
 		storage:  repo,
 		producer: prod,
 	}
+	svc.startDiscoveryAnnouncer()
+	return svc
 }

 func (s *Service) Register(router routers.GRPC) error {
@@ -57,6 +62,28 @@ func (s *Service) Register(router routers.GRPC) error {
 	})
 }

+func (s *Service) Shutdown() {
+	if s == nil {
+		return
+	}
+	if s.announcer != nil {
+		s.announcer.Stop()
+	}
+}
+
+func (s *Service) startDiscoveryAnnouncer() {
+	if s == nil || s.producer == nil {
+		return
+	}
+	announce := discovery.Announcement{
+		Service:    "FX_ORACLE",
+		Operations: []string{"fx.quote"},
+		Version:    appversion.Create().Short(),
+	}
+	s.announcer = discovery.NewAnnouncer(s.logger, s.producer, string(mservice.FXOracle), announce)
+	s.announcer.Start()
+}
+
 func (s *Service) GetQuote(ctx context.Context, req *oraclev1.GetQuoteRequest) (*oraclev1.GetQuoteResponse, error) {
 	start := time.Now()
 	responder := s.getQuoteResponder(ctx, req)
--- a/api/gateway/chain/client/client.go
+++ b/api/gateway/chain/client/client.go
@@ -8,12 +8,19 @@ import (
 	"time"

 	"github.com/tech/sendico/pkg/merrors"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	describablev1 "github.com/tech/sendico/pkg/proto/common/describable/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	paginationv1 "github.com/tech/sendico/pkg/proto/common/pagination/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	"google.golang.org/grpc"
 	"google.golang.org/grpc/credentials"
 	"google.golang.org/grpc/credentials/insecure"
+	"google.golang.org/protobuf/types/known/structpb"
 )

+const chainConnectorID = "chain"
+
 // Client exposes typed helpers around the chain gateway gRPC API.
 type Client interface {
 	CreateManagedWallet(ctx context.Context, req *chainv1.CreateManagedWalletRequest) (*chainv1.CreateManagedWalletResponse, error)
@@ -29,23 +36,21 @@ type Client interface {
 	Close() error
 }

-type grpcGatewayClient interface {
-	CreateManagedWallet(ctx context.Context, in *chainv1.CreateManagedWalletRequest, opts ...grpc.CallOption) (*chainv1.CreateManagedWalletResponse, error)
-	GetManagedWallet(ctx context.Context, in *chainv1.GetManagedWalletRequest, opts ...grpc.CallOption) (*chainv1.GetManagedWalletResponse, error)
-	ListManagedWallets(ctx context.Context, in *chainv1.ListManagedWalletsRequest, opts ...grpc.CallOption) (*chainv1.ListManagedWalletsResponse, error)
-	GetWalletBalance(ctx context.Context, in *chainv1.GetWalletBalanceRequest, opts ...grpc.CallOption) (*chainv1.GetWalletBalanceResponse, error)
-	SubmitTransfer(ctx context.Context, in *chainv1.SubmitTransferRequest, opts ...grpc.CallOption) (*chainv1.SubmitTransferResponse, error)
-	GetTransfer(ctx context.Context, in *chainv1.GetTransferRequest, opts ...grpc.CallOption) (*chainv1.GetTransferResponse, error)
-	ListTransfers(ctx context.Context, in *chainv1.ListTransfersRequest, opts ...grpc.CallOption) (*chainv1.ListTransfersResponse, error)
-	EstimateTransferFee(ctx context.Context, in *chainv1.EstimateTransferFeeRequest, opts ...grpc.CallOption) (*chainv1.EstimateTransferFeeResponse, error)
-	ComputeGasTopUp(ctx context.Context, in *chainv1.ComputeGasTopUpRequest, opts ...grpc.CallOption) (*chainv1.ComputeGasTopUpResponse, error)
-	EnsureGasTopUp(ctx context.Context, in *chainv1.EnsureGasTopUpRequest, opts ...grpc.CallOption) (*chainv1.EnsureGasTopUpResponse, error)
+type grpcConnectorClient interface {
+	GetCapabilities(ctx context.Context, in *connectorv1.GetCapabilitiesRequest, opts ...grpc.CallOption) (*connectorv1.GetCapabilitiesResponse, error)
+	OpenAccount(ctx context.Context, in *connectorv1.OpenAccountRequest, opts ...grpc.CallOption) (*connectorv1.OpenAccountResponse, error)
+	GetAccount(ctx context.Context, in *connectorv1.GetAccountRequest, opts ...grpc.CallOption) (*connectorv1.GetAccountResponse, error)
+	ListAccounts(ctx context.Context, in *connectorv1.ListAccountsRequest, opts ...grpc.CallOption) (*connectorv1.ListAccountsResponse, error)
+	GetBalance(ctx context.Context, in *connectorv1.GetBalanceRequest, opts ...grpc.CallOption) (*connectorv1.GetBalanceResponse, error)
+	SubmitOperation(ctx context.Context, in *connectorv1.SubmitOperationRequest, opts ...grpc.CallOption) (*connectorv1.SubmitOperationResponse, error)
+	GetOperation(ctx context.Context, in *connectorv1.GetOperationRequest, opts ...grpc.CallOption) (*connectorv1.GetOperationResponse, error)
+	ListOperations(ctx context.Context, in *connectorv1.ListOperationsRequest, opts ...grpc.CallOption) (*connectorv1.ListOperationsResponse, error)
 }

 type chainGatewayClient struct {
 	cfg    Config
 	conn   *grpc.ClientConn
-	client grpcGatewayClient
+	client grpcConnectorClient
 }

 // New dials the chain gateway endpoint and returns a ready client.
@@ -75,12 +80,12 @@ func New(ctx context.Context, cfg Config, opts ...grpc.DialOption) (Client, erro
 	return &chainGatewayClient{
 		cfg:    cfg,
 		conn:   conn,
-		client: chainv1.NewChainGatewayServiceClient(conn),
+		client: connectorv1.NewConnectorServiceClient(conn),
 	}, nil
 }

 // NewWithClient injects a pre-built gateway client (useful for tests).
-func NewWithClient(cfg Config, gc grpcGatewayClient) Client {
+func NewWithClient(cfg Config, gc grpcConnectorClient) Client {
 	cfg.setDefaults()
 	return &chainGatewayClient{
 		cfg:    cfg,
@@ -98,61 +103,213 @@ func (c *chainGatewayClient) Close() error {
 func (c *chainGatewayClient) CreateManagedWallet(ctx context.Context, req *chainv1.CreateManagedWalletRequest) (*chainv1.CreateManagedWalletResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.CreateManagedWallet(ctx, req)
+
+	params, err := walletParamsFromRequest(req)
+	if err != nil {
+		return nil, err
+	}
+
+	label := ""
+	if desc := req.GetDescribable(); desc != nil {
+		label = strings.TrimSpace(desc.GetName())
+	}
+	resp, err := c.client.OpenAccount(ctx, &connectorv1.OpenAccountRequest{
+		IdempotencyKey: strings.TrimSpace(req.GetIdempotencyKey()),
+		Kind:           connectorv1.AccountKind_CHAIN_MANAGED_WALLET,
+		Asset:          assetStringFromChainAsset(req.GetAsset()),
+		OwnerRef:       strings.TrimSpace(req.GetOwnerRef()),
+		Label:          label,
+		Params:         params,
+	})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetError() != nil {
+		return nil, connectorError(resp.GetError())
+	}
+	wallet := managedWalletFromAccount(resp.GetAccount())
+	return &chainv1.CreateManagedWalletResponse{Wallet: wallet}, nil
 }

 func (c *chainGatewayClient) GetManagedWallet(ctx context.Context, req *chainv1.GetManagedWalletRequest) (*chainv1.GetManagedWalletResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.GetManagedWallet(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetWalletRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: wallet_ref is required")
+	}
+	resp, err := c.client.GetAccount(ctx, &connectorv1.GetAccountRequest{AccountRef: &connectorv1.AccountRef{ConnectorId: chainConnectorID, AccountId: strings.TrimSpace(req.GetWalletRef())}})
+	if err != nil {
+		return nil, err
+	}
+	return &chainv1.GetManagedWalletResponse{Wallet: managedWalletFromAccount(resp.GetAccount())}, nil
 }

 func (c *chainGatewayClient) ListManagedWallets(ctx context.Context, req *chainv1.ListManagedWalletsRequest) (*chainv1.ListManagedWalletsResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.ListManagedWallets(ctx, req)
+	assetString := ""
+	ownerRef := ""
+	var page *paginationv1.CursorPageRequest
+	if req != nil {
+		assetString = assetStringFromChainAsset(req.GetAsset())
+		ownerRef = strings.TrimSpace(req.GetOwnerRef())
+		page = req.GetPage()
+	}
+	resp, err := c.client.ListAccounts(ctx, &connectorv1.ListAccountsRequest{
+		OwnerRef: ownerRef,
+		Asset:    assetString,
+		Page:     page,
+	})
+	if err != nil {
+		return nil, err
+	}
+	wallets := make([]*chainv1.ManagedWallet, 0, len(resp.GetAccounts()))
+	for _, account := range resp.GetAccounts() {
+		wallets = append(wallets, managedWalletFromAccount(account))
+	}
+	return &chainv1.ListManagedWalletsResponse{Wallets: wallets, Page: resp.GetPage()}, nil
 }

 func (c *chainGatewayClient) GetWalletBalance(ctx context.Context, req *chainv1.GetWalletBalanceRequest) (*chainv1.GetWalletBalanceResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.GetWalletBalance(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetWalletRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: wallet_ref is required")
+	}
+	resp, err := c.client.GetBalance(ctx, &connectorv1.GetBalanceRequest{AccountRef: &connectorv1.AccountRef{ConnectorId: chainConnectorID, AccountId: strings.TrimSpace(req.GetWalletRef())}})
+	if err != nil {
+		return nil, err
+	}
+	balance := resp.GetBalance()
+	if balance == nil {
+		return nil, merrors.Internal("chain-gateway: balance response missing")
+	}
+	return &chainv1.GetWalletBalanceResponse{Balance: &chainv1.WalletBalance{
+		Available:      balance.GetAvailable(),
+		PendingInbound: balance.GetPendingInbound(),
+		PendingOutbound: balance.GetPendingOutbound(),
+		CalculatedAt:   balance.GetCalculatedAt(),
+	}}, nil
 }

 func (c *chainGatewayClient) SubmitTransfer(ctx context.Context, req *chainv1.SubmitTransferRequest) (*chainv1.SubmitTransferResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.SubmitTransfer(ctx, req)
+	if req == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: request is required")
+	}
+	operation, err := operationFromTransfer(req)
+	if err != nil {
+		return nil, err
+	}
+	resp, err := c.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	transfer := transferFromReceipt(req, resp.GetReceipt())
+	return &chainv1.SubmitTransferResponse{Transfer: transfer}, nil
 }

 func (c *chainGatewayClient) GetTransfer(ctx context.Context, req *chainv1.GetTransferRequest) (*chainv1.GetTransferResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.GetTransfer(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetTransferRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: transfer_ref is required")
+	}
+	resp, err := c.client.GetOperation(ctx, &connectorv1.GetOperationRequest{OperationId: strings.TrimSpace(req.GetTransferRef())})
+	if err != nil {
+		return nil, err
+	}
+	return &chainv1.GetTransferResponse{Transfer: transferFromOperation(resp.GetOperation())}, nil
 }

 func (c *chainGatewayClient) ListTransfers(ctx context.Context, req *chainv1.ListTransfersRequest) (*chainv1.ListTransfersResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.ListTransfers(ctx, req)
+	source := ""
+	status := chainv1.TransferStatus_TRANSFER_STATUS_UNSPECIFIED
+	var page *paginationv1.CursorPageRequest
+	if req != nil {
+		source = strings.TrimSpace(req.GetSourceWalletRef())
+		status = req.GetStatus()
+		page = req.GetPage()
+	}
+	resp, err := c.client.ListOperations(ctx, &connectorv1.ListOperationsRequest{
+		AccountRef: &connectorv1.AccountRef{ConnectorId: chainConnectorID, AccountId: source},
+		Status:     operationStatusFromTransfer(status),
+		Page:       page,
+	})
+	if err != nil {
+		return nil, err
+	}
+	transfers := make([]*chainv1.Transfer, 0, len(resp.GetOperations()))
+	for _, op := range resp.GetOperations() {
+		transfers = append(transfers, transferFromOperation(op))
+	}
+	return &chainv1.ListTransfersResponse{Transfers: transfers, Page: resp.GetPage()}, nil
 }

 func (c *chainGatewayClient) EstimateTransferFee(ctx context.Context, req *chainv1.EstimateTransferFeeRequest) (*chainv1.EstimateTransferFeeResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.EstimateTransferFee(ctx, req)
+	if req == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: request is required")
+	}
+	operation, err := feeEstimateOperation(req)
+	if err != nil {
+		return nil, err
+	}
+	resp, err := c.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return estimateFromReceipt(resp.GetReceipt()), nil
 }

 func (c *chainGatewayClient) ComputeGasTopUp(ctx context.Context, req *chainv1.ComputeGasTopUpRequest) (*chainv1.ComputeGasTopUpResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.ComputeGasTopUp(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetWalletRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: wallet_ref is required")
+	}
+	operation, err := gasTopUpComputeOperation(req)
+	if err != nil {
+		return nil, err
+	}
+	resp, err := c.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return computeGasTopUpFromReceipt(resp.GetReceipt()), nil
 }

 func (c *chainGatewayClient) EnsureGasTopUp(ctx context.Context, req *chainv1.EnsureGasTopUpRequest) (*chainv1.EnsureGasTopUpResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.EnsureGasTopUp(ctx, req)
+	if req == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: request is required")
+	}
+	operation, err := gasTopUpEnsureOperation(req)
+	if err != nil {
+		return nil, err
+	}
+	resp, err := c.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return ensureGasTopUpFromReceipt(resp.GetReceipt()), nil
 }

 func (c *chainGatewayClient) callContext(ctx context.Context) (context.Context, context.CancelFunc) {
@@ -162,3 +319,507 @@ func (c *chainGatewayClient) callContext(ctx context.Context) (context.Context,
 	}
 	return context.WithTimeout(ctx, timeout)
 }
+
+func walletParamsFromRequest(req *chainv1.CreateManagedWalletRequest) (*structpb.Struct, error) {
+	if req == nil {
+		return nil, nil
+	}
+	params := map[string]interface{}{
+		"organization_ref": strings.TrimSpace(req.GetOrganizationRef()),
+	}
+	if asset := req.GetAsset(); asset != nil {
+		params["network"] = asset.GetChain().String()
+		params["token_symbol"] = strings.TrimSpace(asset.GetTokenSymbol())
+		params["contract_address"] = strings.TrimSpace(asset.GetContractAddress())
+	}
+	desc := ""
+	if describable := req.GetDescribable(); describable != nil {
+		desc = strings.TrimSpace(describable.GetDescription())
+	}
+	if desc != "" {
+		params["description"] = desc
+	}
+	if len(req.GetMetadata()) > 0 {
+		params["metadata"] = mapStringToInterface(req.GetMetadata())
+	}
+	return structpb.NewStruct(params)
+}
+
+func managedWalletFromAccount(account *connectorv1.Account) *chainv1.ManagedWallet {
+	if account == nil {
+		return nil
+	}
+	details := map[string]interface{}{}
+	if account.GetProviderDetails() != nil {
+		details = account.GetProviderDetails().AsMap()
+	}
+	walletRef := ""
+	if ref := account.GetRef(); ref != nil {
+		walletRef = strings.TrimSpace(ref.GetAccountId())
+	}
+	if v := stringFromDetails(details, "wallet_ref"); v != "" {
+		walletRef = v
+	}
+	organizationRef := stringFromDetails(details, "organization_ref")
+	ownerRef := stringFromDetails(details, "owner_ref")
+	if ownerRef == "" {
+		ownerRef = strings.TrimSpace(account.GetOwnerRef())
+	}
+	asset := &chainv1.Asset{
+		Chain:           chainNetworkFromString(stringFromDetails(details, "network")),
+		TokenSymbol:     strings.TrimSpace(stringFromDetails(details, "token_symbol")),
+		ContractAddress: strings.TrimSpace(stringFromDetails(details, "contract_address")),
+	}
+	if asset.GetTokenSymbol() == "" {
+		asset.TokenSymbol = strings.TrimSpace(tokenFromAssetString(account.GetAsset()))
+	}
+	describable := account.GetDescribable()
+	label := strings.TrimSpace(account.GetLabel())
+	if describable == nil {
+		if label != "" {
+			describable = &describablev1.Describable{Name: label}
+		}
+	} else if strings.TrimSpace(describable.GetName()) == "" && label != "" {
+		desc := strings.TrimSpace(describable.GetDescription())
+		if desc == "" {
+			describable = &describablev1.Describable{Name: label}
+		} else {
+			describable = &describablev1.Describable{Name: label, Description: &desc}
+		}
+	}
+	return &chainv1.ManagedWallet{
+		WalletRef:      walletRef,
+		OrganizationRef: organizationRef,
+		OwnerRef:       ownerRef,
+		Asset:          asset,
+		DepositAddress: stringFromDetails(details, "deposit_address"),
+		Status:         managedWalletStatusFromAccount(account.GetState()),
+		CreatedAt:      account.GetCreatedAt(),
+		UpdatedAt:      account.GetUpdatedAt(),
+		Describable:    describable,
+	}
+}
+
+func operationFromTransfer(req *chainv1.SubmitTransferRequest) (*connectorv1.Operation, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: request is required")
+	}
+	if strings.TrimSpace(req.GetIdempotencyKey()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: idempotency_key is required")
+	}
+	if strings.TrimSpace(req.GetSourceWalletRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: source_wallet_ref is required")
+	}
+	if req.GetDestination() == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: destination is required")
+	}
+	if req.GetAmount() == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: amount is required")
+	}
+
+	params := map[string]interface{}{
+		"organization_ref": strings.TrimSpace(req.GetOrganizationRef()),
+		"client_reference": strings.TrimSpace(req.GetClientReference()),
+	}
+	if memo := strings.TrimSpace(req.GetDestination().GetMemo()); memo != "" {
+		params["destination_memo"] = memo
+	}
+	if len(req.GetMetadata()) > 0 {
+		params["metadata"] = mapStringToInterface(req.GetMetadata())
+	}
+	if len(req.GetFees()) > 0 {
+		params["fees"] = feesToInterface(req.GetFees())
+	}
+
+	op := &connectorv1.Operation{
+		Type:           connectorv1.OperationType_TRANSFER,
+		IdempotencyKey: strings.TrimSpace(req.GetIdempotencyKey()),
+		From: &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: chainConnectorID, AccountId: strings.TrimSpace(req.GetSourceWalletRef())}}},
+		Money:          req.GetAmount(),
+		Params:         structFromMap(params),
+	}
+	to, err := destinationToParty(req.GetDestination())
+	if err != nil {
+		return nil, err
+	}
+	op.To = to
+	return op, nil
+}
+
+func destinationToParty(dest *chainv1.TransferDestination) (*connectorv1.OperationParty, error) {
+	if dest == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: destination is required")
+	}
+	switch d := dest.GetDestination().(type) {
+	case *chainv1.TransferDestination_ManagedWalletRef:
+		return &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: chainConnectorID, AccountId: strings.TrimSpace(d.ManagedWalletRef)}}}, nil
+	case *chainv1.TransferDestination_ExternalAddress:
+		return &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_External{External: &connectorv1.ExternalRef{ExternalRef: strings.TrimSpace(d.ExternalAddress)}}}, nil
+	default:
+		return nil, merrors.InvalidArgument("chain-gateway: destination is required")
+	}
+}
+
+func transferFromReceipt(req *chainv1.SubmitTransferRequest, receipt *connectorv1.OperationReceipt) *chainv1.Transfer {
+	transfer := &chainv1.Transfer{}
+	if req != nil {
+		transfer.IdempotencyKey = strings.TrimSpace(req.GetIdempotencyKey())
+		transfer.OrganizationRef = strings.TrimSpace(req.GetOrganizationRef())
+		transfer.SourceWalletRef = strings.TrimSpace(req.GetSourceWalletRef())
+		transfer.Destination = req.GetDestination()
+		transfer.RequestedAmount = req.GetAmount()
+		transfer.NetAmount = req.GetAmount()
+	}
+	if receipt != nil {
+		transfer.TransferRef = strings.TrimSpace(receipt.GetOperationId())
+		transfer.Status = transferStatusFromOperation(receipt.GetStatus())
+		transfer.TransactionHash = strings.TrimSpace(receipt.GetProviderRef())
+	}
+	return transfer
+}
+
+func transferFromOperation(op *connectorv1.Operation) *chainv1.Transfer {
+	if op == nil {
+		return nil
+	}
+	transfer := &chainv1.Transfer{
+		TransferRef:    strings.TrimSpace(op.GetOperationId()),
+		IdempotencyKey: strings.TrimSpace(op.GetOperationId()),
+		RequestedAmount: op.GetMoney(),
+		NetAmount:      op.GetMoney(),
+		Status:         transferStatusFromOperation(op.GetStatus()),
+		TransactionHash: strings.TrimSpace(op.GetProviderRef()),
+		CreatedAt:      op.GetCreatedAt(),
+		UpdatedAt:      op.GetUpdatedAt(),
+	}
+	if from := op.GetFrom(); from != nil && from.GetAccount() != nil {
+		transfer.SourceWalletRef = strings.TrimSpace(from.GetAccount().GetAccountId())
+	}
+	if to := op.GetTo(); to != nil {
+		if account := to.GetAccount(); account != nil {
+			transfer.Destination = &chainv1.TransferDestination{Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: strings.TrimSpace(account.GetAccountId())}}
+		}
+		if external := to.GetExternal(); external != nil {
+			transfer.Destination = &chainv1.TransferDestination{Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(external.GetExternalRef())}}
+		}
+	}
+	return transfer
+}
+
+func feeEstimateOperation(req *chainv1.EstimateTransferFeeRequest) (*connectorv1.Operation, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: request is required")
+	}
+	if strings.TrimSpace(req.GetSourceWalletRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: source_wallet_ref is required")
+	}
+	if req.GetDestination() == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: destination is required")
+	}
+	if req.GetAmount() == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: amount is required")
+	}
+	params := map[string]interface{}{}
+	op := &connectorv1.Operation{
+		Type:           connectorv1.OperationType_FEE_ESTIMATE,
+		IdempotencyKey: feeEstimateKey(req),
+		From: &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: chainConnectorID, AccountId: strings.TrimSpace(req.GetSourceWalletRef())}}},
+		Money:          req.GetAmount(),
+		Params:         structFromMap(params),
+	}
+	to, err := destinationToParty(req.GetDestination())
+	if err != nil {
+		return nil, err
+	}
+	op.To = to
+	return op, nil
+}
+
+func estimateFromReceipt(receipt *connectorv1.OperationReceipt) *chainv1.EstimateTransferFeeResponse {
+	resp := &chainv1.EstimateTransferFeeResponse{}
+	if receipt == nil || receipt.GetResult() == nil {
+		return resp
+	}
+	data := receipt.GetResult().AsMap()
+	if networkFee, ok := data["network_fee"].(map[string]interface{}); ok {
+		amount := strings.TrimSpace(fmt.Sprint(networkFee["amount"]))
+		currency := strings.TrimSpace(fmt.Sprint(networkFee["currency"]))
+		if amount != "" && currency != "" {
+			resp.NetworkFee = &moneyv1.Money{Amount: amount, Currency: currency}
+		}
+	}
+	if ctx, ok := data["estimation_context"].(string); ok {
+		resp.EstimationContext = strings.TrimSpace(ctx)
+	}
+	return resp
+}
+
+func gasTopUpComputeOperation(req *chainv1.ComputeGasTopUpRequest) (*connectorv1.Operation, error) {
+	if req == nil || strings.TrimSpace(req.GetWalletRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: wallet_ref is required")
+	}
+	fee := req.GetEstimatedTotalFee()
+	if fee == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: estimated_total_fee is required")
+	}
+	params := map[string]interface{}{
+		"mode":               "compute",
+		"estimated_total_fee": map[string]interface{}{"amount": fee.GetAmount(), "currency": fee.GetCurrency()},
+	}
+	return &connectorv1.Operation{
+		Type:           connectorv1.OperationType_GAS_TOPUP,
+		IdempotencyKey: fmt.Sprintf("gas_topup_compute:%s:%s", strings.TrimSpace(req.GetWalletRef()), strings.TrimSpace(fee.GetAmount())),
+		From: &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: chainConnectorID, AccountId: strings.TrimSpace(req.GetWalletRef())}}},
+		Params: structFromMap(params),
+	}, nil
+}
+
+func gasTopUpEnsureOperation(req *chainv1.EnsureGasTopUpRequest) (*connectorv1.Operation, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: request is required")
+	}
+	if strings.TrimSpace(req.GetIdempotencyKey()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: idempotency_key is required")
+	}
+	if strings.TrimSpace(req.GetSourceWalletRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: source_wallet_ref is required")
+	}
+	if strings.TrimSpace(req.GetTargetWalletRef()) == "" {
+		return nil, merrors.InvalidArgument("chain-gateway: target_wallet_ref is required")
+	}
+	fee := req.GetEstimatedTotalFee()
+	if fee == nil {
+		return nil, merrors.InvalidArgument("chain-gateway: estimated_total_fee is required")
+	}
+	params := map[string]interface{}{
+		"mode":               "ensure",
+		"organization_ref":   strings.TrimSpace(req.GetOrganizationRef()),
+		"target_wallet_ref":  strings.TrimSpace(req.GetTargetWalletRef()),
+		"client_reference":   strings.TrimSpace(req.GetClientReference()),
+		"estimated_total_fee": map[string]interface{}{"amount": fee.GetAmount(), "currency": fee.GetCurrency()},
+	}
+	if len(req.GetMetadata()) > 0 {
+		params["metadata"] = mapStringToInterface(req.GetMetadata())
+	}
+	return &connectorv1.Operation{
+		Type:           connectorv1.OperationType_GAS_TOPUP,
+		IdempotencyKey: strings.TrimSpace(req.GetIdempotencyKey()),
+		From: &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: chainConnectorID, AccountId: strings.TrimSpace(req.GetSourceWalletRef())}}},
+		Params:         structFromMap(params),
+	}, nil
+}
+
+func computeGasTopUpFromReceipt(receipt *connectorv1.OperationReceipt) *chainv1.ComputeGasTopUpResponse {
+	resp := &chainv1.ComputeGasTopUpResponse{}
+	if receipt == nil || receipt.GetResult() == nil {
+		return resp
+	}
+	data := receipt.GetResult().AsMap()
+	if amount, ok := data["topup_amount"].(map[string]interface{}); ok {
+		resp.TopupAmount = &moneyv1.Money{
+			Amount:   strings.TrimSpace(fmt.Sprint(amount["amount"])),
+			Currency: strings.TrimSpace(fmt.Sprint(amount["currency"])),
+		}
+	}
+	if capHit, ok := data["cap_hit"].(bool); ok {
+		resp.CapHit = capHit
+	}
+	return resp
+}
+
+func ensureGasTopUpFromReceipt(receipt *connectorv1.OperationReceipt) *chainv1.EnsureGasTopUpResponse {
+	resp := &chainv1.EnsureGasTopUpResponse{}
+	if receipt == nil || receipt.GetResult() == nil {
+		return resp
+	}
+	data := receipt.GetResult().AsMap()
+	if amount, ok := data["topup_amount"].(map[string]interface{}); ok {
+		resp.TopupAmount = &moneyv1.Money{
+			Amount:   strings.TrimSpace(fmt.Sprint(amount["amount"])),
+			Currency: strings.TrimSpace(fmt.Sprint(amount["currency"])),
+		}
+	}
+	if capHit, ok := data["cap_hit"].(bool); ok {
+		resp.CapHit = capHit
+	}
+	if transferRef, ok := data["transfer_ref"].(string); ok {
+		resp.Transfer = &chainv1.Transfer{TransferRef: strings.TrimSpace(transferRef)}
+	}
+	return resp
+}
+
+func feeEstimateKey(req *chainv1.EstimateTransferFeeRequest) string {
+	if req == nil || req.GetAmount() == nil {
+		return "fee_estimate"
+	}
+	return fmt.Sprintf("fee_estimate:%s:%s:%s", strings.TrimSpace(req.GetSourceWalletRef()), strings.TrimSpace(req.GetAmount().GetCurrency()), strings.TrimSpace(req.GetAmount().GetAmount()))
+}
+
+func connectorError(err *connectorv1.ConnectorError) error {
+	if err == nil {
+		return nil
+	}
+	msg := strings.TrimSpace(err.GetMessage())
+	switch err.GetCode() {
+	case connectorv1.ErrorCode_INVALID_PARAMS:
+		return merrors.InvalidArgument(msg)
+	case connectorv1.ErrorCode_NOT_FOUND:
+		return merrors.NoData(msg)
+	case connectorv1.ErrorCode_UNSUPPORTED_OPERATION, connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND:
+		return merrors.NotImplemented(msg)
+	case connectorv1.ErrorCode_RATE_LIMITED, connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE:
+		return merrors.Internal(msg)
+	default:
+		return merrors.Internal(msg)
+	}
+}
+
+func structFromMap(data map[string]interface{}) *structpb.Struct {
+	if len(data) == 0 {
+		return nil
+	}
+	result, err := structpb.NewStruct(data)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func mapStringToInterface(input map[string]string) map[string]interface{} {
+	if len(input) == 0 {
+		return nil
+	}
+	out := make(map[string]interface{}, len(input))
+	for k, v := range input {
+		out[k] = v
+	}
+	return out
+}
+
+func feesToInterface(fees []*chainv1.ServiceFeeBreakdown) []interface{} {
+	if len(fees) == 0 {
+		return nil
+	}
+	result := make([]interface{}, 0, len(fees))
+	for _, fee := range fees {
+		if fee == nil || fee.GetAmount() == nil {
+			continue
+		}
+		result = append(result, map[string]interface{}{
+			"fee_code":     strings.TrimSpace(fee.GetFeeCode()),
+			"description":  strings.TrimSpace(fee.GetDescription()),
+			"amount":       strings.TrimSpace(fee.GetAmount().GetAmount()),
+			"currency":     strings.TrimSpace(fee.GetAmount().GetCurrency()),
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func stringFromDetails(details map[string]interface{}, key string) string {
+	if details == nil {
+		return ""
+	}
+	if value, ok := details[key]; ok {
+		return strings.TrimSpace(fmt.Sprint(value))
+	}
+	return ""
+}
+
+func managedWalletStatusFromAccount(state connectorv1.AccountState) chainv1.ManagedWalletStatus {
+	switch state {
+	case connectorv1.AccountState_ACCOUNT_ACTIVE:
+		return chainv1.ManagedWalletStatus_MANAGED_WALLET_ACTIVE
+	case connectorv1.AccountState_ACCOUNT_SUSPENDED:
+		return chainv1.ManagedWalletStatus_MANAGED_WALLET_SUSPENDED
+	case connectorv1.AccountState_ACCOUNT_CLOSED:
+		return chainv1.ManagedWalletStatus_MANAGED_WALLET_CLOSED
+	default:
+		return chainv1.ManagedWalletStatus_MANAGED_WALLET_STATUS_UNSPECIFIED
+	}
+}
+
+func transferStatusFromOperation(status connectorv1.OperationStatus) chainv1.TransferStatus {
+	switch status {
+	case connectorv1.OperationStatus_CONFIRMED:
+		return chainv1.TransferStatus_TRANSFER_CONFIRMED
+	case connectorv1.OperationStatus_FAILED:
+		return chainv1.TransferStatus_TRANSFER_FAILED
+	case connectorv1.OperationStatus_CANCELED:
+		return chainv1.TransferStatus_TRANSFER_CANCELLED
+	default:
+		return chainv1.TransferStatus_TRANSFER_PENDING
+	}
+}
+
+func operationStatusFromTransfer(status chainv1.TransferStatus) connectorv1.OperationStatus {
+	switch status {
+	case chainv1.TransferStatus_TRANSFER_CONFIRMED:
+		return connectorv1.OperationStatus_CONFIRMED
+	case chainv1.TransferStatus_TRANSFER_FAILED:
+		return connectorv1.OperationStatus_FAILED
+	case chainv1.TransferStatus_TRANSFER_CANCELLED:
+		return connectorv1.OperationStatus_CANCELED
+	default:
+		return connectorv1.OperationStatus_OPERATION_STATUS_UNSPECIFIED
+	}
+}
+
+func assetStringFromChainAsset(asset *chainv1.Asset) string {
+	if asset == nil {
+		return ""
+	}
+	symbol := strings.ToUpper(strings.TrimSpace(asset.GetTokenSymbol()))
+	if symbol == "" {
+		return ""
+	}
+	suffix := chainAssetSuffix(asset.GetChain())
+	if suffix == "" {
+		return symbol
+	}
+	return symbol + "-" + suffix
+}
+
+func chainAssetSuffix(chain chainv1.ChainNetwork) string {
+	switch chain {
+	case chainv1.ChainNetwork_CHAIN_NETWORK_ETHEREUM_MAINNET:
+		return "ETH"
+	case chainv1.ChainNetwork_CHAIN_NETWORK_ARBITRUM_ONE:
+		return "ARB"
+	case chainv1.ChainNetwork_CHAIN_NETWORK_TRON_MAINNET:
+		return "TRC20"
+	case chainv1.ChainNetwork_CHAIN_NETWORK_TRON_NILE:
+		return "TRC20"
+	default:
+		return ""
+	}
+}
+
+func tokenFromAssetString(asset string) string {
+	if asset == "" {
+		return ""
+	}
+	if idx := strings.Index(asset, "-"); idx > 0 {
+		return asset[:idx]
+	}
+	return asset
+}
+
+func chainNetworkFromString(value string) chainv1.ChainNetwork {
+	value = strings.ToUpper(strings.TrimSpace(value))
+	if value == "" {
+		return chainv1.ChainNetwork_CHAIN_NETWORK_UNSPECIFIED
+	}
+	if val, ok := chainv1.ChainNetwork_value[value]; ok {
+		return chainv1.ChainNetwork(val)
+	}
+	if !strings.HasPrefix(value, "CHAIN_NETWORK_") {
+		value = "CHAIN_NETWORK_" + value
+	}
+	if val, ok := chainv1.ChainNetwork_value[value]; ok {
+		return chainv1.ChainNetwork(val)
+	}
+	return chainv1.ChainNetwork_CHAIN_NETWORK_UNSPECIFIED
+}
--- a/api/gateway/chain/client/rail_gateway.go
+++ b/api/gateway/chain/client/rail_gateway.go
@@ -0,0 +1,258 @@
+package client
+
+import (
+	"context"
+	"strings"
+
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/payments/rail"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	"google.golang.org/grpc/codes"
+	"google.golang.org/grpc/status"
+)
+
+// RailGatewayConfig defines metadata for the rail gateway adapter.
+type RailGatewayConfig struct {
+	Rail         string
+	Network      string
+	Capabilities rail.RailCapabilities
+}
+
+type chainRailGateway struct {
+	client       Client
+	rail         string
+	network      string
+	capabilities rail.RailCapabilities
+}
+
+// NewRailGateway wraps a chain gateway client into a rail gateway adapter.
+func NewRailGateway(client Client, cfg RailGatewayConfig) rail.RailGateway {
+	railName := strings.ToUpper(strings.TrimSpace(cfg.Rail))
+	if railName == "" {
+		railName = "CRYPTO"
+	}
+	return &chainRailGateway{
+		client:       client,
+		rail:         railName,
+		network:      strings.ToUpper(strings.TrimSpace(cfg.Network)),
+		capabilities: cfg.Capabilities,
+	}
+}
+
+func (g *chainRailGateway) Rail() string {
+	return g.rail
+}
+
+func (g *chainRailGateway) Network() string {
+	return g.network
+}
+
+func (g *chainRailGateway) Capabilities() rail.RailCapabilities {
+	return g.capabilities
+}
+
+func (g *chainRailGateway) Send(ctx context.Context, req rail.TransferRequest) (rail.RailResult, error) {
+	if g.client == nil {
+		return rail.RailResult{}, merrors.Internal("chain gateway: client is required")
+	}
+	orgRef := strings.TrimSpace(req.OrganizationRef)
+	if orgRef == "" {
+		return rail.RailResult{}, merrors.InvalidArgument("chain gateway: organization_ref is required")
+	}
+	source := strings.TrimSpace(req.FromAccountID)
+	if source == "" {
+		return rail.RailResult{}, merrors.InvalidArgument("chain gateway: from_account_id is required")
+	}
+	destRef := strings.TrimSpace(req.ToAccountID)
+	if destRef == "" {
+		return rail.RailResult{}, merrors.InvalidArgument("chain gateway: to_account_id is required")
+	}
+	currency := strings.TrimSpace(req.Currency)
+	amountValue := strings.TrimSpace(req.Amount)
+	if currency == "" || amountValue == "" {
+		return rail.RailResult{}, merrors.InvalidArgument("chain gateway: amount is required")
+	}
+	reqNetwork := strings.TrimSpace(req.Network)
+	if g.network != "" && reqNetwork != "" && !strings.EqualFold(g.network, reqNetwork) {
+		return rail.RailResult{}, merrors.InvalidArgument("chain gateway: network mismatch")
+	}
+	if strings.TrimSpace(req.IdempotencyKey) == "" {
+		return rail.RailResult{}, merrors.InvalidArgument("chain gateway: idempotency_key is required")
+	}
+
+	dest, err := g.resolveDestination(ctx, destRef, strings.TrimSpace(req.DestinationMemo))
+	if err != nil {
+		return rail.RailResult{}, err
+	}
+
+	fees := toServiceFees(req.Fees)
+	if len(fees) == 0 && req.Fee != nil {
+		if amt := moneyFromRail(req.Fee); amt != nil {
+			fees = []*chainv1.ServiceFeeBreakdown{{
+				FeeCode: "fee",
+				Amount:  amt,
+			}}
+		}
+	}
+
+	resp, err := g.client.SubmitTransfer(ctx, &chainv1.SubmitTransferRequest{
+		IdempotencyKey:  strings.TrimSpace(req.IdempotencyKey),
+		OrganizationRef: orgRef,
+		SourceWalletRef: source,
+		Destination:     dest,
+		Amount: &moneyv1.Money{
+			Currency: currency,
+			Amount:   amountValue,
+		},
+		Fees:            fees,
+		Metadata:        cloneMetadata(req.Metadata),
+		ClientReference: strings.TrimSpace(req.ClientReference),
+	})
+	if err != nil {
+		return rail.RailResult{}, err
+	}
+	if resp == nil || resp.GetTransfer() == nil {
+		return rail.RailResult{}, merrors.Internal("chain gateway: missing transfer response")
+	}
+
+	transfer := resp.GetTransfer()
+	return rail.RailResult{
+		ReferenceID: strings.TrimSpace(transfer.GetTransferRef()),
+		Status:      statusFromTransfer(transfer.GetStatus()),
+		FinalAmount: railMoneyFromProto(transfer.GetNetAmount()),
+	}, nil
+}
+
+func (g *chainRailGateway) Observe(ctx context.Context, referenceID string) (rail.ObserveResult, error) {
+	if g.client == nil {
+		return rail.ObserveResult{}, merrors.Internal("chain gateway: client is required")
+	}
+	ref := strings.TrimSpace(referenceID)
+	if ref == "" {
+		return rail.ObserveResult{}, merrors.InvalidArgument("chain gateway: reference_id is required")
+	}
+	resp, err := g.client.GetTransfer(ctx, &chainv1.GetTransferRequest{TransferRef: ref})
+	if err != nil {
+		return rail.ObserveResult{}, err
+	}
+	if resp == nil || resp.GetTransfer() == nil {
+		return rail.ObserveResult{}, merrors.Internal("chain gateway: missing transfer response")
+	}
+	transfer := resp.GetTransfer()
+	return rail.ObserveResult{
+		ReferenceID: ref,
+		Status:      statusFromTransfer(transfer.GetStatus()),
+		FinalAmount: railMoneyFromProto(transfer.GetNetAmount()),
+	}, nil
+}
+
+func (g *chainRailGateway) resolveDestination(ctx context.Context, destRef, memo string) (*chainv1.TransferDestination, error) {
+	managed, err := g.isManagedWallet(ctx, destRef)
+	if err != nil {
+		return nil, err
+	}
+	if managed {
+		return &chainv1.TransferDestination{
+			Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: destRef},
+		}, nil
+	}
+	return &chainv1.TransferDestination{
+		Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: destRef},
+		Memo:        memo,
+	}, nil
+}
+
+func (g *chainRailGateway) isManagedWallet(ctx context.Context, walletRef string) (bool, error) {
+	resp, err := g.client.GetManagedWallet(ctx, &chainv1.GetManagedWalletRequest{WalletRef: walletRef})
+	if err != nil {
+		if status.Code(err) == codes.NotFound {
+			return false, nil
+		}
+		return false, err
+	}
+	if resp == nil || resp.GetWallet() == nil {
+		return false, nil
+	}
+	return true, nil
+}
+
+func statusFromTransfer(status chainv1.TransferStatus) string {
+	switch status {
+	case chainv1.TransferStatus_TRANSFER_CONFIRMED:
+		return rail.TransferStatusSuccess
+	case chainv1.TransferStatus_TRANSFER_FAILED:
+		return rail.TransferStatusFailed
+	case chainv1.TransferStatus_TRANSFER_CANCELLED:
+		return rail.TransferStatusRejected
+	case chainv1.TransferStatus_TRANSFER_SIGNING,
+		chainv1.TransferStatus_TRANSFER_PENDING,
+		chainv1.TransferStatus_TRANSFER_SUBMITTED:
+		return rail.TransferStatusPending
+	default:
+		return rail.TransferStatusPending
+	}
+}
+
+func toServiceFees(fees []rail.FeeBreakdown) []*chainv1.ServiceFeeBreakdown {
+	if len(fees) == 0 {
+		return nil
+	}
+	result := make([]*chainv1.ServiceFeeBreakdown, 0, len(fees))
+	for _, fee := range fees {
+		amount := moneyFromRail(fee.Amount)
+		if amount == nil {
+			continue
+		}
+		result = append(result, &chainv1.ServiceFeeBreakdown{
+			FeeCode:     strings.TrimSpace(fee.FeeCode),
+			Amount:      amount,
+			Description: strings.TrimSpace(fee.Description),
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func moneyFromRail(m *rail.Money) *moneyv1.Money {
+	if m == nil {
+		return nil
+	}
+	currency := strings.TrimSpace(m.GetCurrency())
+	amount := strings.TrimSpace(m.GetAmount())
+	if currency == "" || amount == "" {
+		return nil
+	}
+	return &moneyv1.Money{
+		Currency: currency,
+		Amount:   amount,
+	}
+}
+
+func railMoneyFromProto(m *moneyv1.Money) *rail.Money {
+	if m == nil {
+		return nil
+	}
+	currency := strings.TrimSpace(m.GetCurrency())
+	amount := strings.TrimSpace(m.GetAmount())
+	if currency == "" || amount == "" {
+		return nil
+	}
+	return &rail.Money{
+		Currency: currency,
+		Amount:   amount,
+	}
+}
+
+func cloneMetadata(input map[string]string) map[string]string {
+	if len(input) == 0 {
+		return nil
+	}
+	result := make(map[string]string, len(input))
+	for key, value := range input {
+		result[key] = value
+	}
+	return result
+}
--- a/api/gateway/chain/config.yml
+++ b/api/gateway/chain/config.yml
@@ -8,7 +8,7 @@ grpc:
  enable_health: true

 metrics:
-  address: ":9403"
+  address: ":9406"

 database:
  driver: mongodb
--- a/api/gateway/chain/go.mod
+++ b/api/gateway/chain/go.mod
@@ -22,7 +22,7 @@ require (

 require (
 	github.com/Microsoft/go-winio v0.6.2 // indirect
-	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251229120209-a0d175451f7b // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260104020744-7268a54d0358 // 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
@@ -65,7 +65,7 @@ require (
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/pmezard/go-difflib v1.0.0 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
-	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
 	github.com/prometheus/procfs v0.19.2 // indirect
 	github.com/ryanuber/go-glob v1.0.0 // indirect
 	github.com/shirou/gopsutil v3.21.11+incompatible // indirect
--- a/api/gateway/chain/go.sum
+++ b/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 v0.0.0-20251229120209-a0d175451f7b h1:g/wCbvJGhOAqfGBjWnqtD6CVsXdr3G4GCbjLR6z9kNw=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251229120209-a0d175451f7b/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260104020744-7268a54d0358 h1:B6uGMdZ4maUTJm+LYgBwEIDuJxgOUACw8K0Yg6jpNbY=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20260104020744-7268a54d0358/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=
@@ -239,8 +239,8 @@ github.com/prometheus/client_golang v1.23.2 h1:Je96obch5RDVy3FDMndoUsjAhG5Edi49h
 github.com/prometheus/client_golang v1.23.2/go.mod h1:Tb1a6LWHB3/SPIzCoaDXI4I8UHKeFTEQ1YCr+0Gyqmg=
 github.com/prometheus/client_model v0.6.2 h1:oBsgwpGs7iVziMvrGhE53c/GrLUsZdHnqNwqPLxwZyk=
 github.com/prometheus/client_model v0.6.2/go.mod h1:y3m2F6Gdpfy6Ut/GBsUqTWZqCUvMVzSfMLjcu6wAwpE=
-github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+Lvsc=
-github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
+github.com/prometheus/common v0.67.5 h1:pIgK94WWlQt1WLwAC5j2ynLaBRDiinoAb86HZHTUGI4=
+github.com/prometheus/common v0.67.5/go.mod h1:SjE/0MzDEEAyrdr5Gqc6G+sXI67maCxzaT3A2+HqjUw=
 github.com/prometheus/procfs v0.19.2 h1:zUMhqEW66Ex7OXIiDkll3tl9a1ZdilUOd/F6ZXw4Vws=
 github.com/prometheus/procfs v0.19.2/go.mod h1:M0aotyiemPhBCM0z5w87kL22CxfcH05ZpYlu+b4J7mw=
 github.com/rivo/uniseg v0.2.0 h1:S1pD9weZBuJdFmowNwbpi7BJ8TNftyUImj/0WQi72jY=
--- a/api/gateway/chain/internal/server/internal/serverimp.go
+++ b/api/gateway/chain/internal/server/internal/serverimp.go
@@ -36,6 +36,7 @@ type Imp struct {
 	app    *grpcapp.App[storage.Repository]

 	rpcClients *rpcclient.Clients
+	service    *gatewayservice.Service
 }

 type config struct {
@@ -100,6 +101,10 @@ func (i *Imp) Shutdown() {
 		timeout = i.config.Runtime.ShutdownTimeout()
 	}

+	if i.service != nil {
+		i.service.Shutdown()
+	}
+
 	ctx, cancel := context.WithTimeout(context.Background(), timeout)
 	defer cancel()

@@ -151,7 +156,9 @@ func (i *Imp) Start() error {
 			gatewayservice.WithDriverRegistry(driverRegistry),
 			gatewayservice.WithSettings(cfg.Settings),
 		}
-		return gatewayservice.NewService(logger, repo, producer, opts...), nil
+		svc := gatewayservice.NewService(logger, repo, producer, opts...)
+		i.service = svc
+		return svc, nil
 	}

 	app, err := grpcapp.NewApp(i.logger, "chain", cfg.Config, i.debug, repoFactory, serviceFactory)
--- a/api/gateway/chain/internal/service/gateway/connector.go
+++ b/api/gateway/chain/internal/service/gateway/connector.go
@@ -0,0 +1,692 @@
+package gateway
+
+import (
+	"context"
+	"errors"
+	"fmt"
+	"strings"
+
+	"github.com/tech/sendico/gateway/chain/internal/appversion"
+	"github.com/tech/sendico/gateway/chain/internal/service/gateway/shared"
+	"github.com/tech/sendico/pkg/connector/params"
+	"github.com/tech/sendico/pkg/merrors"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	describablev1 "github.com/tech/sendico/pkg/proto/common/describable/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	"google.golang.org/protobuf/types/known/structpb"
+)
+
+const chainConnectorID = "chain"
+
+func (s *Service) GetCapabilities(_ context.Context, _ *connectorv1.GetCapabilitiesRequest) (*connectorv1.GetCapabilitiesResponse, error) {
+	return &connectorv1.GetCapabilitiesResponse{
+		Capabilities: &connectorv1.ConnectorCapabilities{
+			ConnectorType:          chainConnectorID,
+			Version:                appversion.Create().Short(),
+			SupportedAccountKinds:  []connectorv1.AccountKind{connectorv1.AccountKind_CHAIN_MANAGED_WALLET},
+			SupportedOperationTypes: []connectorv1.OperationType{
+				connectorv1.OperationType_TRANSFER,
+				connectorv1.OperationType_FEE_ESTIMATE,
+				connectorv1.OperationType_GAS_TOPUP,
+			},
+			OpenAccountParams:       chainOpenAccountParams(),
+			OperationParams:         chainOperationParams(),
+		},
+	}, nil
+}
+
+func (s *Service) OpenAccount(ctx context.Context, req *connectorv1.OpenAccountRequest) (*connectorv1.OpenAccountResponse, error) {
+	if req == nil {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "open_account: request is required", nil, "")}, nil
+	}
+	if req.GetKind() != connectorv1.AccountKind_CHAIN_MANAGED_WALLET {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND, "open_account: unsupported account kind", nil, "")}, nil
+	}
+	reader := params.New(req.GetParams())
+	orgRef := strings.TrimSpace(reader.String("organization_ref"))
+	if orgRef == "" {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "open_account: organization_ref is required", nil, "")}, nil
+	}
+	asset, err := parseChainAsset(strings.TrimSpace(req.GetAsset()), reader)
+	if err != nil {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), nil, "")}, nil
+	}
+
+	resp, err := s.CreateManagedWallet(ctx, &chainv1.CreateManagedWalletRequest{
+		IdempotencyKey: strings.TrimSpace(req.GetIdempotencyKey()),
+		OrganizationRef: orgRef,
+		OwnerRef:        strings.TrimSpace(req.GetOwnerRef()),
+		Asset:           asset,
+		Metadata:        shared.CloneMetadata(reader.StringMap("metadata")),
+		Describable:     describableFromLabel(req.GetLabel(), reader.String("description")),
+	})
+	if err != nil {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(mapErrorCode(err), err.Error(), nil, "")}, nil
+	}
+	return &connectorv1.OpenAccountResponse{Account: chainWalletToAccount(resp.GetWallet())}, nil
+}
+
+func (s *Service) GetAccount(ctx context.Context, req *connectorv1.GetAccountRequest) (*connectorv1.GetAccountResponse, error) {
+	if req == nil || req.GetAccountRef() == nil || strings.TrimSpace(req.GetAccountRef().GetAccountId()) == "" {
+		return nil, merrors.InvalidArgument("get_account: account_ref.account_id is required")
+	}
+	resp, err := s.GetManagedWallet(ctx, &chainv1.GetManagedWalletRequest{WalletRef: strings.TrimSpace(req.GetAccountRef().GetAccountId())})
+	if err != nil {
+		return nil, err
+	}
+	return &connectorv1.GetAccountResponse{Account: chainWalletToAccount(resp.GetWallet())}, nil
+}
+
+func (s *Service) ListAccounts(ctx context.Context, req *connectorv1.ListAccountsRequest) (*connectorv1.ListAccountsResponse, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("list_accounts: request is required")
+	}
+	asset := (*chainv1.Asset)(nil)
+	if assetString := strings.TrimSpace(req.GetAsset()); assetString != "" {
+		parsed, err := parseChainAsset(assetString, params.New(nil))
+		if err != nil {
+			return nil, merrors.InvalidArgument(err.Error())
+		}
+		asset = parsed
+	}
+	resp, err := s.ListManagedWallets(ctx, &chainv1.ListManagedWalletsRequest{
+		OwnerRef: strings.TrimSpace(req.GetOwnerRef()),
+		Asset:    asset,
+		Page:     req.GetPage(),
+	})
+	if err != nil {
+		return nil, err
+	}
+	accounts := make([]*connectorv1.Account, 0, len(resp.GetWallets()))
+	for _, wallet := range resp.GetWallets() {
+		accounts = append(accounts, chainWalletToAccount(wallet))
+	}
+	return &connectorv1.ListAccountsResponse{
+		Accounts: accounts,
+		Page:     resp.GetPage(),
+	}, nil
+}
+
+func (s *Service) GetBalance(ctx context.Context, req *connectorv1.GetBalanceRequest) (*connectorv1.GetBalanceResponse, error) {
+	if req == nil || req.GetAccountRef() == nil || strings.TrimSpace(req.GetAccountRef().GetAccountId()) == "" {
+		return nil, merrors.InvalidArgument("get_balance: account_ref.account_id is required")
+	}
+	resp, err := s.GetWalletBalance(ctx, &chainv1.GetWalletBalanceRequest{WalletRef: strings.TrimSpace(req.GetAccountRef().GetAccountId())})
+	if err != nil {
+		return nil, err
+	}
+	bal := resp.GetBalance()
+	return &connectorv1.GetBalanceResponse{
+		Balance: &connectorv1.Balance{
+			AccountRef:     req.GetAccountRef(),
+			Available:      bal.GetAvailable(),
+			PendingInbound: bal.GetPendingInbound(),
+			PendingOutbound: bal.GetPendingOutbound(),
+			CalculatedAt:   bal.GetCalculatedAt(),
+		},
+	}, nil
+}
+
+func (s *Service) SubmitOperation(ctx context.Context, req *connectorv1.SubmitOperationRequest) (*connectorv1.SubmitOperationResponse, error) {
+	if req == nil || req.GetOperation() == nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: operation is required", nil, "")}}, nil
+	}
+	op := req.GetOperation()
+	if strings.TrimSpace(op.GetIdempotencyKey()) == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: idempotency_key is required", op, "")}}, nil
+	}
+	reader := params.New(op.GetParams())
+	orgRef := strings.TrimSpace(reader.String("organization_ref"))
+	source := operationAccountID(op.GetFrom())
+	if source == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "operation: from.account is required", op, "")}}, nil
+	}
+
+	switch op.GetType() {
+	case connectorv1.OperationType_TRANSFER:
+		dest, err := transferDestinationFromOperation(op)
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+		}
+		amount := op.GetMoney()
+		if amount == nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "transfer: money is required", op, "")}}, nil
+		}
+		amount = normalizeMoneyForChain(amount)
+		if orgRef == "" {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "transfer: organization_ref is required", op, "")}}, nil
+		}
+		resp, err := s.SubmitTransfer(ctx, &chainv1.SubmitTransferRequest{
+			IdempotencyKey:  strings.TrimSpace(op.GetIdempotencyKey()),
+			OrganizationRef: orgRef,
+			SourceWalletRef: source,
+			Destination:     dest,
+			Amount:          amount,
+			Fees:            parseChainFees(reader),
+			Metadata:        shared.CloneMetadata(reader.StringMap("metadata")),
+			ClientReference: strings.TrimSpace(reader.String("client_reference")),
+		})
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+		}
+		transfer := resp.GetTransfer()
+		return &connectorv1.SubmitOperationResponse{
+			Receipt: &connectorv1.OperationReceipt{
+				OperationId: strings.TrimSpace(transfer.GetTransferRef()),
+				Status:      chainTransferStatusToOperation(transfer.GetStatus()),
+				ProviderRef: strings.TrimSpace(transfer.GetTransactionHash()),
+			},
+		}, nil
+	case connectorv1.OperationType_FEE_ESTIMATE:
+		dest, err := transferDestinationFromOperation(op)
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+		}
+		amount := op.GetMoney()
+		if amount == nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "estimate: money is required", op, "")}}, nil
+		}
+		amount = normalizeMoneyForChain(amount)
+		opID := strings.TrimSpace(op.GetOperationId())
+		if opID == "" {
+			opID = strings.TrimSpace(op.GetIdempotencyKey())
+		}
+		resp, err := s.EstimateTransferFee(ctx, &chainv1.EstimateTransferFeeRequest{
+			SourceWalletRef: source,
+			Destination:     dest,
+			Amount:          amount,
+		})
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+		}
+		result := feeEstimateResult(resp)
+		return &connectorv1.SubmitOperationResponse{
+			Receipt: &connectorv1.OperationReceipt{
+				OperationId: opID,
+				Status:      connectorv1.OperationStatus_CONFIRMED,
+				Result:      result,
+			},
+		}, nil
+	case connectorv1.OperationType_GAS_TOPUP:
+		fee, err := parseMoneyFromMap(reader.Map("estimated_total_fee"))
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+		}
+		fee = normalizeMoneyForChain(fee)
+		mode := strings.ToLower(strings.TrimSpace(reader.String("mode")))
+		if mode == "" {
+			mode = "compute"
+		}
+		switch mode {
+		case "compute":
+			opID := strings.TrimSpace(op.GetOperationId())
+			if opID == "" {
+				opID = strings.TrimSpace(op.GetIdempotencyKey())
+			}
+			resp, err := s.ComputeGasTopUp(ctx, &chainv1.ComputeGasTopUpRequest{
+				WalletRef:         source,
+				EstimatedTotalFee: fee,
+			})
+			if err != nil {
+				return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+			}
+			return &connectorv1.SubmitOperationResponse{
+				Receipt: &connectorv1.OperationReceipt{
+					OperationId: opID,
+					Status:      connectorv1.OperationStatus_CONFIRMED,
+					Result:      gasTopUpResult(resp.GetTopupAmount(), resp.GetCapHit(), ""),
+				},
+			}, nil
+		case "ensure":
+			opID := strings.TrimSpace(op.GetOperationId())
+			if opID == "" {
+				opID = strings.TrimSpace(op.GetIdempotencyKey())
+			}
+			if orgRef == "" {
+				return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "gas_topup: organization_ref is required", op, "")}}, nil
+			}
+			target := strings.TrimSpace(reader.String("target_wallet_ref"))
+			if target == "" {
+				return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "gas_topup: target_wallet_ref is required", op, "")}}, nil
+			}
+			resp, err := s.EnsureGasTopUp(ctx, &chainv1.EnsureGasTopUpRequest{
+				IdempotencyKey:  strings.TrimSpace(op.GetIdempotencyKey()),
+				OrganizationRef: orgRef,
+				SourceWalletRef: source,
+				TargetWalletRef: target,
+				EstimatedTotalFee: fee,
+				Metadata:        shared.CloneMetadata(reader.StringMap("metadata")),
+				ClientReference: strings.TrimSpace(reader.String("client_reference")),
+			})
+			if err != nil {
+				return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+			}
+			transferRef := ""
+			if transfer := resp.GetTransfer(); transfer != nil {
+				transferRef = strings.TrimSpace(transfer.GetTransferRef())
+			}
+			return &connectorv1.SubmitOperationResponse{
+				Receipt: &connectorv1.OperationReceipt{
+					OperationId: opID,
+					Status:      connectorv1.OperationStatus_CONFIRMED,
+					Result:      gasTopUpResult(resp.GetTopupAmount(), resp.GetCapHit(), transferRef),
+				},
+			}, nil
+		default:
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "gas_topup: invalid mode", op, "")}}, nil
+		}
+	default:
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_OPERATION, "submit_operation: unsupported operation type", op, "")}}, nil
+	}
+}
+
+func (s *Service) GetOperation(ctx context.Context, req *connectorv1.GetOperationRequest) (*connectorv1.GetOperationResponse, error) {
+	if req == nil || strings.TrimSpace(req.GetOperationId()) == "" {
+		return nil, merrors.InvalidArgument("get_operation: operation_id is required")
+	}
+	resp, err := s.GetTransfer(ctx, &chainv1.GetTransferRequest{TransferRef: strings.TrimSpace(req.GetOperationId())})
+	if err != nil {
+		return nil, err
+	}
+	return &connectorv1.GetOperationResponse{Operation: chainTransferToOperation(resp.GetTransfer())}, nil
+}
+
+func (s *Service) ListOperations(ctx context.Context, req *connectorv1.ListOperationsRequest) (*connectorv1.ListOperationsResponse, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("list_operations: request is required")
+	}
+	source := ""
+	if req.GetAccountRef() != nil {
+		source = strings.TrimSpace(req.GetAccountRef().GetAccountId())
+	}
+	resp, err := s.ListTransfers(ctx, &chainv1.ListTransfersRequest{
+		SourceWalletRef: source,
+		Status:          chainStatusFromOperation(req.GetStatus()),
+		Page:            req.GetPage(),
+	})
+	if err != nil {
+		return nil, err
+	}
+	ops := make([]*connectorv1.Operation, 0, len(resp.GetTransfers()))
+	for _, transfer := range resp.GetTransfers() {
+		ops = append(ops, chainTransferToOperation(transfer))
+	}
+	return &connectorv1.ListOperationsResponse{Operations: ops, Page: resp.GetPage()}, nil
+}
+
+func chainOpenAccountParams() []*connectorv1.ParamSpec {
+	return []*connectorv1.ParamSpec{
+		{Key: "organization_ref", Type: connectorv1.ParamType_STRING, Required: true, Description: "Organization reference for the wallet."},
+		{Key: "network", Type: connectorv1.ParamType_STRING, Required: true, Description: "Blockchain network name."},
+		{Key: "token_symbol", Type: connectorv1.ParamType_STRING, Required: true, Description: "Token symbol (e.g., USDT)."},
+		{Key: "contract_address", Type: connectorv1.ParamType_STRING, Required: false, Description: "Token contract address override."},
+		{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false, Description: "Additional metadata map."},
+		{Key: "description", Type: connectorv1.ParamType_STRING, Required: false, Description: "Wallet description."},
+	}
+}
+
+func chainOperationParams() []*connectorv1.OperationParamSpec {
+	return []*connectorv1.OperationParamSpec{
+		{OperationType: connectorv1.OperationType_TRANSFER, Params: []*connectorv1.ParamSpec{
+			{Key: "organization_ref", Type: connectorv1.ParamType_STRING, Required: true, Description: "Organization reference."},
+			{Key: "destination_memo", Type: connectorv1.ParamType_STRING, Required: false, Description: "Destination memo/tag."},
+			{Key: "client_reference", Type: connectorv1.ParamType_STRING, Required: false, Description: "Client reference id."},
+			{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false, Description: "Transfer metadata."},
+			{Key: "fees", Type: connectorv1.ParamType_JSON, Required: false, Description: "Service fee breakdowns."},
+		}},
+		{OperationType: connectorv1.OperationType_FEE_ESTIMATE, Params: []*connectorv1.ParamSpec{
+			{Key: "organization_ref", Type: connectorv1.ParamType_STRING, Required: false, Description: "Organization reference."},
+			{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false, Description: "Estimate metadata."},
+		}},
+		{OperationType: connectorv1.OperationType_GAS_TOPUP, Params: []*connectorv1.ParamSpec{
+			{Key: "mode", Type: connectorv1.ParamType_STRING, Required: false, Description: "compute | ensure."},
+			{Key: "organization_ref", Type: connectorv1.ParamType_STRING, Required: false, Description: "Organization reference (required for ensure)."},
+			{Key: "target_wallet_ref", Type: connectorv1.ParamType_STRING, Required: false, Description: "Target wallet ref (ensure)."},
+			{Key: "estimated_total_fee", Type: connectorv1.ParamType_JSON, Required: true, Description: "Estimated total fee {amount,currency}."},
+			{Key: "client_reference", Type: connectorv1.ParamType_STRING, Required: false, Description: "Client reference."},
+			{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false, Description: "Top-up metadata."},
+		}},
+	}
+}
+
+func chainWalletToAccount(wallet *chainv1.ManagedWallet) *connectorv1.Account {
+	if wallet == nil {
+		return nil
+	}
+	details, _ := structpb.NewStruct(map[string]interface{}{
+		"deposit_address": wallet.GetDepositAddress(),
+		"organization_ref": wallet.GetOrganizationRef(),
+		"owner_ref":       wallet.GetOwnerRef(),
+		"network":         wallet.GetAsset().GetChain().String(),
+		"token_symbol":    wallet.GetAsset().GetTokenSymbol(),
+		"contract_address": wallet.GetAsset().GetContractAddress(),
+		"wallet_ref":      wallet.GetWalletRef(),
+	})
+	return &connectorv1.Account{
+		Ref: &connectorv1.AccountRef{
+			ConnectorId: chainConnectorID,
+			AccountId:   strings.TrimSpace(wallet.GetWalletRef()),
+		},
+		Kind:            connectorv1.AccountKind_CHAIN_MANAGED_WALLET,
+		Asset:           assetStringFromChainAsset(wallet.GetAsset()),
+		State:           chainWalletState(wallet.GetStatus()),
+		Label:           strings.TrimSpace(wallet.GetDescribable().GetName()),
+		OwnerRef:        strings.TrimSpace(wallet.GetOwnerRef()),
+		ProviderDetails: details,
+		CreatedAt:       wallet.GetCreatedAt(),
+		UpdatedAt:       wallet.GetUpdatedAt(),
+		Describable:     wallet.GetDescribable(),
+	}
+}
+
+func chainWalletState(status chainv1.ManagedWalletStatus) connectorv1.AccountState {
+	switch status {
+	case chainv1.ManagedWalletStatus_MANAGED_WALLET_ACTIVE:
+		return connectorv1.AccountState_ACCOUNT_ACTIVE
+	case chainv1.ManagedWalletStatus_MANAGED_WALLET_SUSPENDED:
+		return connectorv1.AccountState_ACCOUNT_SUSPENDED
+	case chainv1.ManagedWalletStatus_MANAGED_WALLET_CLOSED:
+		return connectorv1.AccountState_ACCOUNT_CLOSED
+	default:
+		return connectorv1.AccountState_ACCOUNT_STATE_UNSPECIFIED
+	}
+}
+
+func transferDestinationFromOperation(op *connectorv1.Operation) (*chainv1.TransferDestination, error) {
+	if op == nil {
+		return nil, merrors.InvalidArgument("transfer: operation is required")
+	}
+	if to := op.GetTo(); to != nil {
+		if account := to.GetAccount(); account != nil {
+			return &chainv1.TransferDestination{Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: strings.TrimSpace(account.GetAccountId())}}, nil
+		}
+		if ext := to.GetExternal(); ext != nil {
+			return &chainv1.TransferDestination{Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(ext.GetExternalRef())}}, nil
+		}
+	}
+	return nil, merrors.InvalidArgument("transfer: to.account or to.external is required")
+}
+
+func normalizeMoneyForChain(m *moneyv1.Money) *moneyv1.Money {
+	if m == nil {
+		return nil
+	}
+	currency := strings.TrimSpace(m.GetCurrency())
+	if idx := strings.Index(currency, "-"); idx > 0 {
+		currency = currency[:idx]
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(m.GetAmount()),
+		Currency: currency,
+	}
+}
+
+func parseChainFees(reader params.Reader) []*chainv1.ServiceFeeBreakdown {
+	rawFees := reader.List("fees")
+	if len(rawFees) == 0 {
+		return nil
+	}
+	result := make([]*chainv1.ServiceFeeBreakdown, 0, len(rawFees))
+	for _, item := range rawFees {
+		raw, ok := item.(map[string]interface{})
+		if !ok {
+			continue
+		}
+		amount := strings.TrimSpace(fmt.Sprint(raw["amount"]))
+		currency := strings.TrimSpace(fmt.Sprint(raw["currency"]))
+		if amount == "" || currency == "" {
+			continue
+		}
+		result = append(result, &chainv1.ServiceFeeBreakdown{
+			FeeCode:     strings.TrimSpace(fmt.Sprint(raw["fee_code"])),
+			Description: strings.TrimSpace(fmt.Sprint(raw["description"])),
+			Amount:      &moneyv1.Money{Amount: amount, Currency: currency},
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func parseMoneyFromMap(raw map[string]interface{}) (*moneyv1.Money, error) {
+	if raw == nil {
+		return nil, merrors.InvalidArgument("money is required")
+	}
+	amount := strings.TrimSpace(fmt.Sprint(raw["amount"]))
+	currency := strings.TrimSpace(fmt.Sprint(raw["currency"]))
+	if amount == "" || currency == "" {
+		return nil, merrors.InvalidArgument("money is required")
+	}
+	return &moneyv1.Money{
+		Amount:   amount,
+		Currency: currency,
+	}, nil
+}
+
+func feeEstimateResult(resp *chainv1.EstimateTransferFeeResponse) *structpb.Struct {
+	if resp == nil {
+		return nil
+	}
+	payload := map[string]interface{}{
+		"estimation_context": strings.TrimSpace(resp.GetEstimationContext()),
+	}
+	if fee := resp.GetNetworkFee(); fee != nil {
+		payload["network_fee"] = map[string]interface{}{
+			"amount":   strings.TrimSpace(fee.GetAmount()),
+			"currency": strings.TrimSpace(fee.GetCurrency()),
+		}
+	}
+	result, err := structpb.NewStruct(payload)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func gasTopUpResult(amount *moneyv1.Money, capHit bool, transferRef string) *structpb.Struct {
+	payload := map[string]interface{}{
+		"cap_hit": capHit,
+	}
+	if amount != nil {
+		payload["topup_amount"] = map[string]interface{}{
+			"amount":   strings.TrimSpace(amount.GetAmount()),
+			"currency": strings.TrimSpace(amount.GetCurrency()),
+		}
+	}
+	if strings.TrimSpace(transferRef) != "" {
+		payload["transfer_ref"] = strings.TrimSpace(transferRef)
+	}
+	result, err := structpb.NewStruct(payload)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func chainTransferToOperation(transfer *chainv1.Transfer) *connectorv1.Operation {
+	if transfer == nil {
+		return nil
+	}
+	op := &connectorv1.Operation{
+		OperationId: strings.TrimSpace(transfer.GetTransferRef()),
+		Type:        connectorv1.OperationType_TRANSFER,
+		Status:      chainTransferStatusToOperation(transfer.GetStatus()),
+		Money:       transfer.GetRequestedAmount(),
+		ProviderRef: strings.TrimSpace(transfer.GetTransactionHash()),
+		CreatedAt:   transfer.GetCreatedAt(),
+		UpdatedAt:   transfer.GetUpdatedAt(),
+		From: &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{
+			ConnectorId: chainConnectorID,
+			AccountId:   strings.TrimSpace(transfer.GetSourceWalletRef()),
+		}}},
+	}
+	if dest := transfer.GetDestination(); dest != nil {
+		switch d := dest.GetDestination().(type) {
+		case *chainv1.TransferDestination_ManagedWalletRef:
+			op.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{
+				ConnectorId: chainConnectorID,
+				AccountId:   strings.TrimSpace(d.ManagedWalletRef),
+			}}}
+		case *chainv1.TransferDestination_ExternalAddress:
+			op.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_External{External: &connectorv1.ExternalRef{
+				ExternalRef: strings.TrimSpace(d.ExternalAddress),
+			}}}
+		}
+	}
+	return op
+}
+
+func chainTransferStatusToOperation(status chainv1.TransferStatus) connectorv1.OperationStatus {
+	switch status {
+	case chainv1.TransferStatus_TRANSFER_CONFIRMED:
+		return connectorv1.OperationStatus_CONFIRMED
+	case chainv1.TransferStatus_TRANSFER_FAILED:
+		return connectorv1.OperationStatus_FAILED
+	case chainv1.TransferStatus_TRANSFER_CANCELLED:
+		return connectorv1.OperationStatus_CANCELED
+	default:
+		return connectorv1.OperationStatus_PENDING
+	}
+}
+
+func chainStatusFromOperation(status connectorv1.OperationStatus) chainv1.TransferStatus {
+	switch status {
+	case connectorv1.OperationStatus_CONFIRMED:
+		return chainv1.TransferStatus_TRANSFER_CONFIRMED
+	case connectorv1.OperationStatus_FAILED:
+		return chainv1.TransferStatus_TRANSFER_FAILED
+	case connectorv1.OperationStatus_CANCELED:
+		return chainv1.TransferStatus_TRANSFER_CANCELLED
+	default:
+		return chainv1.TransferStatus_TRANSFER_STATUS_UNSPECIFIED
+	}
+}
+
+func parseChainAsset(assetString string, reader params.Reader) (*chainv1.Asset, error) {
+	network := strings.TrimSpace(reader.String("network"))
+	token := strings.TrimSpace(reader.String("token_symbol"))
+	contract := strings.TrimSpace(reader.String("contract_address"))
+
+	if token == "" {
+		token = tokenFromAssetString(assetString)
+	}
+	if network == "" {
+		network = networkFromAssetString(assetString)
+	}
+	if token == "" {
+		return nil, merrors.InvalidArgument("asset: token_symbol is required")
+	}
+	chain := shared.ChainEnumFromName(network)
+	if chain == chainv1.ChainNetwork_CHAIN_NETWORK_UNSPECIFIED {
+		return nil, merrors.InvalidArgument("asset: network is required")
+	}
+	return &chainv1.Asset{
+		Chain:           chain,
+		TokenSymbol:     strings.ToUpper(token),
+		ContractAddress: strings.ToLower(contract),
+	}, nil
+}
+
+func tokenFromAssetString(asset string) string {
+	if asset == "" {
+		return ""
+	}
+	if idx := strings.Index(asset, "-"); idx > 0 {
+		return asset[:idx]
+	}
+	return asset
+}
+
+func networkFromAssetString(asset string) string {
+	if asset == "" {
+		return ""
+	}
+	idx := strings.Index(asset, "-")
+	if idx < 0 {
+		return ""
+	}
+	return strings.TrimSpace(asset[idx+1:])
+}
+
+func assetStringFromChainAsset(asset *chainv1.Asset) string {
+	if asset == nil {
+		return ""
+	}
+	symbol := strings.ToUpper(strings.TrimSpace(asset.GetTokenSymbol()))
+	if symbol == "" {
+		return ""
+	}
+	suffix := chainAssetSuffix(asset.GetChain())
+	if suffix == "" {
+		return symbol
+	}
+	return symbol + "-" + suffix
+}
+
+func chainAssetSuffix(chain chainv1.ChainNetwork) string {
+	switch chain {
+	case chainv1.ChainNetwork_CHAIN_NETWORK_ETHEREUM_MAINNET:
+		return "ETH"
+	case chainv1.ChainNetwork_CHAIN_NETWORK_ARBITRUM_ONE:
+		return "ARB"
+	case chainv1.ChainNetwork_CHAIN_NETWORK_TRON_MAINNET:
+		return "TRC20"
+	case chainv1.ChainNetwork_CHAIN_NETWORK_TRON_NILE:
+		return "TRC20"
+	default:
+		return ""
+	}
+}
+
+func describableFromLabel(label, desc string) *describablev1.Describable {
+	label = strings.TrimSpace(label)
+	desc = strings.TrimSpace(desc)
+	if label == "" && desc == "" {
+		return nil
+	}
+	return &describablev1.Describable{
+		Name:        label,
+		Description: &desc,
+	}
+}
+
+func operationAccountID(party *connectorv1.OperationParty) string {
+	if party == nil {
+		return ""
+	}
+	if account := party.GetAccount(); account != nil {
+		return strings.TrimSpace(account.GetAccountId())
+	}
+	return ""
+}
+
+func connectorError(code connectorv1.ErrorCode, message string, op *connectorv1.Operation, accountID string) *connectorv1.ConnectorError {
+	err := &connectorv1.ConnectorError{
+		Code:      code,
+		Message:   strings.TrimSpace(message),
+		AccountId: strings.TrimSpace(accountID),
+	}
+	if op != nil {
+		err.CorrelationId = strings.TrimSpace(op.GetCorrelationId())
+		err.ParentIntentId = strings.TrimSpace(op.GetParentIntentId())
+		err.OperationId = strings.TrimSpace(op.GetOperationId())
+	}
+	return err
+}
+
+func mapErrorCode(err error) connectorv1.ErrorCode {
+	switch {
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return connectorv1.ErrorCode_INVALID_PARAMS
+	case errors.Is(err, merrors.ErrNoData):
+		return connectorv1.ErrorCode_NOT_FOUND
+	case errors.Is(err, merrors.ErrNotImplemented):
+		return connectorv1.ErrorCode_UNSUPPORTED_OPERATION
+	case errors.Is(err, merrors.ErrInternal):
+		return connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE
+	default:
+		return connectorv1.ErrorCode_PROVIDER_ERROR
+	}
+}
--- a/api/gateway/chain/internal/service/gateway/service.go
+++ b/api/gateway/chain/internal/service/gateway/service.go
@@ -3,6 +3,7 @@ package gateway
 import (
 	"context"

+	"github.com/tech/sendico/gateway/chain/internal/appversion"
 	"github.com/tech/sendico/gateway/chain/internal/keymanager"
 	"github.com/tech/sendico/gateway/chain/internal/service/gateway/commands"
 	"github.com/tech/sendico/gateway/chain/internal/service/gateway/commands/transfer"
@@ -14,9 +15,11 @@ import (
 	"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/discovery"
 	msg "github.com/tech/sendico/pkg/messaging"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/mservice"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	"google.golang.org/grpc"
 )
@@ -31,7 +34,7 @@ var (
 	errStorageUnavailable = serviceError("chain_gateway: storage not initialised")
 )

-// Service implements the ChainGatewayService RPC contract.
+// Service implements the ConnectorService RPC contract for chain operations.
 type Service struct {
 	logger   mlogger.Logger
 	storage  storage.Repository
@@ -47,8 +50,9 @@ type Service struct {
 	networkRegistry *rpcclient.Registry
 	drivers         *drivers.Registry
 	commands        commands.Registry
+	announcers      []*discovery.Announcer

-	chainv1.UnimplementedChainGatewayServiceServer
+	connectorv1.UnimplementedConnectorServiceServer
 }

 // NewService constructs the chain gateway service skeleton.
@@ -83,6 +87,7 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 		Wallet:   commandsWalletDeps(svc),
 		Transfer: commandsTransferDeps(svc),
 	})
+	svc.startDiscoveryAnnouncers()

 	return svc
 }
@@ -90,10 +95,21 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 // Register wires the service onto the provided gRPC router.
 func (s *Service) Register(router routers.GRPC) error {
 	return router.Register(func(reg grpc.ServiceRegistrar) {
-		chainv1.RegisterChainGatewayServiceServer(reg, s)
+		connectorv1.RegisterConnectorServiceServer(reg, s)
 	})
 }

+func (s *Service) Shutdown() {
+	if s == nil {
+		return
+	}
+	for _, announcer := range s.announcers {
+		if announcer != nil {
+			announcer.Stop()
+		}
+	}
+}
+
 func (s *Service) CreateManagedWallet(ctx context.Context, req *chainv1.CreateManagedWalletRequest) (*chainv1.CreateManagedWalletResponse, error) {
 	return executeUnary(ctx, s, "CreateManagedWallet", s.commands.CreateManagedWallet.Execute, req)
 }
@@ -174,3 +190,30 @@ func executeUnary[TReq any, TResp any](ctx context.Context, svc *Service, method
 	observeRPC(method, err, svc.clock.Now().Sub(start))
 	return resp, err
 }
+
+func (s *Service) startDiscoveryAnnouncers() {
+	if s == nil || s.producer == nil || len(s.networks) == 0 {
+		return
+	}
+	version := appversion.Create().Short()
+	for _, network := range s.networks {
+		currencies := []string{shared.NativeCurrency(network)}
+		for _, token := range network.TokenConfigs {
+			if token.Symbol != "" {
+				currencies = append(currencies, token.Symbol)
+			}
+		}
+		announce := discovery.Announcement{
+			Service:    "CRYPTO_RAIL_GATEWAY",
+			Rail:       "CRYPTO",
+			Network:    network.Name,
+			Operations: []string{"balance.read", "payin.crypto", "payout.crypto", "fee.send"},
+			Currencies: currencies,
+			InvokeURI:  discovery.DefaultInvokeURI(string(mservice.ChainGateway)),
+			Version:    version,
+		}
+		announcer := discovery.NewAnnouncer(s.logger, s.producer, string(mservice.ChainGateway), announce)
+		announcer.Start()
+		s.announcers = append(s.announcers, announcer)
+	}
+}
--- a/api/gateway/chain/internal/service/gateway/shared/hex.go
+++ b/api/gateway/chain/internal/service/gateway/shared/hex.go
@@ -1,15 +1,16 @@
 package shared

 import (
-	"errors"
 	"math/big"
 	"strings"
+
+	"github.com/tech/sendico/pkg/merrors"
 )

 var (
-	errHexEmpty      = errors.New("hex value is empty")
-	errHexInvalid    = errors.New("invalid hex number")
-	errHexOutOfRange = errors.New("hex number out of range")
+	errHexEmpty      = merrors.InvalidArgument("hex value is empty")
+	errHexInvalid    = merrors.InvalidArgument("invalid hex number")
+	errHexOutOfRange = merrors.InvalidArgument("hex number out of range")
 )

 // DecodeHexBig parses a hex string that may include leading zero digits.
--- a/api/gateway/mntx/README.md
+++ b/api/gateway/mntx/README.md
@@ -3,7 +3,7 @@
 This service now supports Monetix “payout by card”.

 ## Runtime entry points
- gRPC: `MntxGatewayService.CreateCardPayout` and `GetCardPayoutStatus`.
+- gRPC: `MntxGatewayService.CreateCardPayout`, `CreateCardTokenPayout`, `GetCardPayoutStatus`, `ListGatewayInstances`.
 - Callback HTTP server (default): `:8084/monetix/callback` for Monetix payout status notifications.
 - Metrics: Prometheus on `:9404/metrics`.

@@ -13,6 +13,7 @@ This service now supports Monetix “payout by card”.
 - `MONETIX_PROJECT_ID` – integer project ID
 - `MONETIX_SECRET_KEY` – signature secret
 - Optional: `allowed_currencies`, `require_customer_address`, `request_timeout_seconds`
+- Gateway descriptor: `gateway.id`, optional `gateway.currencies`, `gateway.limits`
 - Callback server: `MNTX_GATEWAY_HTTP_PORT` (exposed as 8084), `http.callback.path`, optional `allowed_cidrs`

 ## Outbound request (CreateCardPayout)
@@ -39,7 +40,8 @@ Signature: HMAC-SHA256 over the JSON body (without `signature`), using `MONETIX_
 - `sendico_mntx_gateway_card_payout_requests_total{outcome}`
 - `sendico_mntx_gateway_card_payout_request_latency_seconds{outcome}`
 - `sendico_mntx_gateway_card_payout_callbacks_total{status}`
- Existing RPC/payout counters remain for compatibility.
+- `sendico_mntx_gateway_rpc_requests_total{method,status}`
+- `sendico_mntx_gateway_rpc_latency_seconds{method}`

 ## Notes / PCI
 - PAN is only logged in masked form; do not persist raw PAN.
--- a/api/gateway/mntx/client/client.go
+++ b/api/gateway/mntx/client/client.go
@@ -5,10 +5,15 @@ import (
 	"strings"
 	"time"

+	"github.com/shopspring/decimal"
 	"github.com/tech/sendico/pkg/merrors"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
 	"google.golang.org/grpc"
 	"google.golang.org/grpc/credentials/insecure"
+	"google.golang.org/protobuf/types/known/structpb"
 )

 // Client wraps the Monetix gateway gRPC API.
@@ -16,13 +21,20 @@ 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)
+	ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error)
 	Close() error
 }

+type grpcConnectorClient interface {
+	SubmitOperation(ctx context.Context, in *connectorv1.SubmitOperationRequest, opts ...grpc.CallOption) (*connectorv1.SubmitOperationResponse, error)
+	GetOperation(ctx context.Context, in *connectorv1.GetOperationRequest, opts ...grpc.CallOption) (*connectorv1.GetOperationResponse, error)
+}
+
 type gatewayClient struct {
 	conn   *grpc.ClientConn
-	client mntxv1.MntxGatewayServiceClient
+	client grpcConnectorClient
 	cfg    Config
+	logger *zap.Logger
 }

 // New dials the Monetix gateway.
@@ -40,13 +52,14 @@ func New(ctx context.Context, cfg Config, opts ...grpc.DialOption) (Client, erro

 	conn, err := grpc.DialContext(dialCtx, cfg.Address, dialOpts...)
 	if err != nil {
-		return nil, merrors.Internal("mntx: dial failed: " + err.Error())
+		return nil, merrors.Internal("mntx: dial failed: "+err.Error())
 	}

 	return &gatewayClient{
 		conn:   conn,
-		client: mntxv1.NewMntxGatewayServiceClient(conn),
+		client: connectorv1.NewConnectorServiceClient(conn),
 		cfg:    cfg,
+		logger: cfg.Logger,
 	}, nil
 }

@@ -57,28 +70,261 @@ func (g *gatewayClient) Close() error {
 	return nil
 }

-func (g *gatewayClient) callContext(ctx context.Context) (context.Context, context.CancelFunc) {
+func (g *gatewayClient) callContext(ctx context.Context, method string) (context.Context, context.CancelFunc) {
+	if ctx == nil {
+		ctx = context.Background()
+	}
 	timeout := g.cfg.CallTimeout
 	if timeout <= 0 {
 		timeout = 5 * time.Second
 	}
+	if g.logger != nil {
+		fields := []zap.Field{
+			zap.String("method", method),
+			zap.Duration("timeout", timeout),
+		}
+		if deadline, ok := ctx.Deadline(); ok {
+			fields = append(fields, zap.Time("parent_deadline", deadline), zap.Duration("parent_deadline_in", time.Until(deadline)))
+		}
+		g.logger.Info("Mntx gateway client call timeout applied", fields...)
+	}
 	return context.WithTimeout(ctx, timeout)
 }

 func (g *gatewayClient) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
-	ctx, cancel := g.callContext(ctx)
+	ctx, cancel := g.callContext(ctx, "CreateCardPayout")
 	defer cancel()
-	return g.client.CreateCardPayout(ctx, req)
+	operation, err := operationFromCardPayout(req)
+	if err != nil {
+		return nil, err
+	}
+	resp, err := g.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return &mntxv1.CardPayoutResponse{Payout: payoutFromReceipt(req.GetPayoutId(), resp.GetReceipt())}, nil
 }

 func (g *gatewayClient) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
-	ctx, cancel := g.callContext(ctx)
+	ctx, cancel := g.callContext(ctx, "CreateCardTokenPayout")
 	defer cancel()
-	return g.client.CreateCardTokenPayout(ctx, req)
+	operation, err := operationFromTokenPayout(req)
+	if err != nil {
+		return nil, err
+	}
+	resp, err := g.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return &mntxv1.CardTokenPayoutResponse{Payout: payoutFromReceipt(req.GetPayoutId(), resp.GetReceipt())}, nil
 }

 func (g *gatewayClient) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error) {
-	ctx, cancel := g.callContext(ctx)
+	ctx, cancel := g.callContext(ctx, "GetCardPayoutStatus")
 	defer cancel()
-	return g.client.GetCardPayoutStatus(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetPayoutId()) == "" {
+		return nil, merrors.InvalidArgument("mntx: payout_id is required")
+	}
+	resp, err := g.client.GetOperation(ctx, &connectorv1.GetOperationRequest{OperationId: strings.TrimSpace(req.GetPayoutId())})
+	if err != nil {
+		return nil, err
+	}
+	return &mntxv1.GetCardPayoutStatusResponse{Payout: payoutFromOperation(resp.GetOperation())}, nil
+}
+
+func (g *gatewayClient) ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error) {
+	return nil, merrors.NotImplemented("mntx: ListGatewayInstances not supported via connector")
+}
+
+func operationFromCardPayout(req *mntxv1.CardPayoutRequest) (*connectorv1.Operation, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("mntx: request is required")
+	}
+	params := payoutParamsFromCard(req)
+	money := moneyFromMinor(req.GetAmountMinor(), req.GetCurrency())
+	return &connectorv1.Operation{
+		Type:           connectorv1.OperationType_PAYOUT,
+		IdempotencyKey: strings.TrimSpace(req.GetPayoutId()),
+		Money:          money,
+		Params:         structFromMap(params),
+	}, nil
+}
+
+func operationFromTokenPayout(req *mntxv1.CardTokenPayoutRequest) (*connectorv1.Operation, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("mntx: request is required")
+	}
+	params := payoutParamsFromToken(req)
+	money := moneyFromMinor(req.GetAmountMinor(), req.GetCurrency())
+	return &connectorv1.Operation{
+		Type:           connectorv1.OperationType_PAYOUT,
+		IdempotencyKey: strings.TrimSpace(req.GetPayoutId()),
+		Money:          money,
+		Params:         structFromMap(params),
+	}, nil
+}
+
+func payoutParamsFromCard(req *mntxv1.CardPayoutRequest) map[string]interface{} {
+	params := map[string]interface{}{
+		"payout_id":           strings.TrimSpace(req.GetPayoutId()),
+		"project_id":          req.GetProjectId(),
+		"customer_id":         strings.TrimSpace(req.GetCustomerId()),
+		"customer_first_name": strings.TrimSpace(req.GetCustomerFirstName()),
+		"customer_middle_name": strings.TrimSpace(req.GetCustomerMiddleName()),
+		"customer_last_name":  strings.TrimSpace(req.GetCustomerLastName()),
+		"customer_ip":         strings.TrimSpace(req.GetCustomerIp()),
+		"customer_zip":        strings.TrimSpace(req.GetCustomerZip()),
+		"customer_country":    strings.TrimSpace(req.GetCustomerCountry()),
+		"customer_state":      strings.TrimSpace(req.GetCustomerState()),
+		"customer_city":       strings.TrimSpace(req.GetCustomerCity()),
+		"customer_address":    strings.TrimSpace(req.GetCustomerAddress()),
+		"amount_minor":        req.GetAmountMinor(),
+		"currency":            strings.TrimSpace(req.GetCurrency()),
+		"card_pan":            strings.TrimSpace(req.GetCardPan()),
+		"card_exp_year":        req.GetCardExpYear(),
+		"card_exp_month":       req.GetCardExpMonth(),
+		"card_holder":         strings.TrimSpace(req.GetCardHolder()),
+	}
+	if len(req.GetMetadata()) > 0 {
+		params["metadata"] = mapStringToInterface(req.GetMetadata())
+	}
+	return params
+}
+
+func payoutParamsFromToken(req *mntxv1.CardTokenPayoutRequest) map[string]interface{} {
+	params := map[string]interface{}{
+		"payout_id":           strings.TrimSpace(req.GetPayoutId()),
+		"project_id":          req.GetProjectId(),
+		"customer_id":         strings.TrimSpace(req.GetCustomerId()),
+		"customer_first_name": strings.TrimSpace(req.GetCustomerFirstName()),
+		"customer_middle_name": strings.TrimSpace(req.GetCustomerMiddleName()),
+		"customer_last_name":  strings.TrimSpace(req.GetCustomerLastName()),
+		"customer_ip":         strings.TrimSpace(req.GetCustomerIp()),
+		"customer_zip":        strings.TrimSpace(req.GetCustomerZip()),
+		"customer_country":    strings.TrimSpace(req.GetCustomerCountry()),
+		"customer_state":      strings.TrimSpace(req.GetCustomerState()),
+		"customer_city":       strings.TrimSpace(req.GetCustomerCity()),
+		"customer_address":    strings.TrimSpace(req.GetCustomerAddress()),
+		"amount_minor":        req.GetAmountMinor(),
+		"currency":            strings.TrimSpace(req.GetCurrency()),
+		"card_token":          strings.TrimSpace(req.GetCardToken()),
+		"card_holder":         strings.TrimSpace(req.GetCardHolder()),
+		"masked_pan":          strings.TrimSpace(req.GetMaskedPan()),
+	}
+	if len(req.GetMetadata()) > 0 {
+		params["metadata"] = mapStringToInterface(req.GetMetadata())
+	}
+	return params
+}
+
+func moneyFromMinor(amount int64, currency string) *moneyv1.Money {
+	if amount <= 0 {
+		return nil
+	}
+	dec := decimal.NewFromInt(amount).Div(decimal.NewFromInt(100))
+	return &moneyv1.Money{
+		Amount:   dec.StringFixed(2),
+		Currency: strings.ToUpper(strings.TrimSpace(currency)),
+	}
+}
+
+func payoutFromReceipt(payoutID string, receipt *connectorv1.OperationReceipt) *mntxv1.CardPayoutState {
+	state := &mntxv1.CardPayoutState{PayoutId: strings.TrimSpace(payoutID)}
+	if receipt == nil {
+		return state
+	}
+	state.Status = payoutStatusFromOperation(receipt.GetStatus())
+	state.ProviderPaymentId = strings.TrimSpace(receipt.GetProviderRef())
+	return state
+}
+
+func payoutFromOperation(op *connectorv1.Operation) *mntxv1.CardPayoutState {
+	if op == nil {
+		return nil
+	}
+	state := &mntxv1.CardPayoutState{
+		PayoutId:          strings.TrimSpace(op.GetOperationId()),
+		Status:            payoutStatusFromOperation(op.GetStatus()),
+		ProviderPaymentId: strings.TrimSpace(op.GetProviderRef()),
+	}
+	if money := op.GetMoney(); money != nil {
+		state.Currency = strings.TrimSpace(money.GetCurrency())
+		state.AmountMinor = minorFromMoney(money)
+	}
+	return state
+}
+
+func minorFromMoney(m *moneyv1.Money) int64 {
+	if m == nil {
+		return 0
+	}
+	amount := strings.TrimSpace(m.GetAmount())
+	if amount == "" {
+		return 0
+	}
+	dec, err := decimal.NewFromString(amount)
+	if err != nil {
+		return 0
+	}
+	return dec.Mul(decimal.NewFromInt(100)).IntPart()
+}
+
+func payoutStatusFromOperation(status connectorv1.OperationStatus) mntxv1.PayoutStatus {
+	switch status {
+	case connectorv1.OperationStatus_CONFIRMED:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED
+	case connectorv1.OperationStatus_FAILED:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+	case connectorv1.OperationStatus_PENDING, connectorv1.OperationStatus_SUBMITTED:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING
+	default:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_UNSPECIFIED
+	}
+}
+
+func connectorError(err *connectorv1.ConnectorError) error {
+	if err == nil {
+		return nil
+	}
+	msg := strings.TrimSpace(err.GetMessage())
+	switch err.GetCode() {
+	case connectorv1.ErrorCode_INVALID_PARAMS:
+		return merrors.InvalidArgument(msg)
+	case connectorv1.ErrorCode_NOT_FOUND:
+		return merrors.NoData(msg)
+	case connectorv1.ErrorCode_UNSUPPORTED_OPERATION, connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND:
+		return merrors.NotImplemented(msg)
+	case connectorv1.ErrorCode_RATE_LIMITED, connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE:
+		return merrors.Internal(msg)
+	default:
+		return merrors.Internal(msg)
+	}
+}
+
+func structFromMap(data map[string]interface{}) *structpb.Struct {
+	if len(data) == 0 {
+		return nil
+	}
+	result, err := structpb.NewStruct(data)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func mapStringToInterface(input map[string]string) map[string]interface{} {
+	if len(input) == 0 {
+		return nil
+	}
+	out := make(map[string]interface{}, len(input))
+	for k, v := range input {
+		out[k] = v
+	}
+	return out
 }
--- a/api/gateway/mntx/client/config.go
+++ b/api/gateway/mntx/client/config.go
@@ -1,12 +1,17 @@
 package client

-import "time"
+import (
+	"time"
+
+	"go.uber.org/zap"
+)

 // Config holds Monetix gateway client settings.
 type Config struct {
 	Address     string
 	DialTimeout time.Duration
 	CallTimeout time.Duration
+	Logger      *zap.Logger
 }

 func (c *Config) setDefaults() {
@@ -16,4 +21,7 @@ func (c *Config) setDefaults() {
 	if c.CallTimeout <= 0 {
 		c.CallTimeout = 10 * time.Second
 	}
+	if c.Logger == nil {
+		c.Logger = zap.NewNop()
+	}
 }
--- a/api/gateway/mntx/client/fake.go
+++ b/api/gateway/mntx/client/fake.go
@@ -11,6 +11,7 @@ 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)
+	ListGatewayInstancesFn  func(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error)
 }

 func (f *Fake) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
@@ -34,4 +35,11 @@ func (f *Fake) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayou
 	return &mntxv1.GetCardPayoutStatusResponse{}, nil
 }

+func (f *Fake) ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error) {
+	if f.ListGatewayInstancesFn != nil {
+		return f.ListGatewayInstancesFn(ctx, req)
+	}
+	return &mntxv1.ListGatewayInstancesResponse{}, nil
+}
+
 func (f *Fake) Close() error { return nil }
--- a/api/gateway/mntx/config.yml
+++ b/api/gateway/mntx/config.yml
@@ -32,6 +32,14 @@ monetix:
  status_success: "success"
  status_processing: "processing"

+gateway:
+  id: "monetix"
+  is_enabled: true
+  network: "VISA_DIRECT"
+  currencies: ["RUB"]
+  limits:
+    min_amount: "0"
+
 http:
  callback:
    address: ":8084"
--- a/api/gateway/mntx/go.mod
+++ b/api/gateway/mntx/go.mod
@@ -6,7 +6,6 @@ replace github.com/tech/sendico/pkg => ../../pkg

 require (
 	github.com/go-chi/chi/v5 v5.2.3
-	github.com/google/uuid v1.6.0
 	github.com/prometheus/client_golang v1.23.2
 	github.com/shopspring/decimal v1.4.0
 	github.com/tech/sendico/pkg v0.1.0
@@ -24,6 +23,7 @@ require (
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
 	github.com/golang/snappy v1.0.0 // indirect
+	github.com/google/uuid v1.6.0 // indirect
 	github.com/klauspost/compress v1.18.2 // indirect
 	github.com/mattn/go-colorable v0.1.14 // indirect
 	github.com/mattn/go-isatty v0.0.20 // indirect
@@ -34,7 +34,7 @@ require (
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
-	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
 	github.com/prometheus/procfs v0.19.2 // indirect
 	github.com/rogpeppe/go-internal v1.12.0 // indirect
 	github.com/tklauser/go-sysconf v0.3.16 // indirect
--- a/api/gateway/mntx/go.sum
+++ b/api/gateway/mntx/go.sum
@@ -115,8 +115,8 @@ github.com/prometheus/client_golang v1.23.2 h1:Je96obch5RDVy3FDMndoUsjAhG5Edi49h
 github.com/prometheus/client_golang v1.23.2/go.mod h1:Tb1a6LWHB3/SPIzCoaDXI4I8UHKeFTEQ1YCr+0Gyqmg=
 github.com/prometheus/client_model v0.6.2 h1:oBsgwpGs7iVziMvrGhE53c/GrLUsZdHnqNwqPLxwZyk=
 github.com/prometheus/client_model v0.6.2/go.mod h1:y3m2F6Gdpfy6Ut/GBsUqTWZqCUvMVzSfMLjcu6wAwpE=
-github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+Lvsc=
-github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
+github.com/prometheus/common v0.67.5 h1:pIgK94WWlQt1WLwAC5j2ynLaBRDiinoAb86HZHTUGI4=
+github.com/prometheus/common v0.67.5/go.mod h1:SjE/0MzDEEAyrdr5Gqc6G+sXI67maCxzaT3A2+HqjUw=
 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 v1.12.0 h1:exVL4IDcn6na9z1rAb56Vxr+CgyK3nn3O+epU5NdKM8=
--- a/api/gateway/mntx/internal/server/internal/serverimp.go
+++ b/api/gateway/mntx/internal/server/internal/serverimp.go
@@ -12,12 +12,14 @@ import (
 	"time"

 	"github.com/go-chi/chi/v5"
+	"github.com/tech/sendico/gateway/mntx/internal/appversion"
 	mntxservice "github.com/tech/sendico/gateway/mntx/internal/service/gateway"
 	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
 	"github.com/tech/sendico/pkg/api/routers"
 	"github.com/tech/sendico/pkg/merrors"
 	msg "github.com/tech/sendico/pkg/messaging"
 	"github.com/tech/sendico/pkg/mlogger"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
 	"github.com/tech/sendico/pkg/server/grpcapp"
 	"go.uber.org/zap"
 	"gopkg.in/yaml.v3"
@@ -28,14 +30,16 @@ type Imp struct {
 	file   string
 	debug  bool

-	config *config
-	app    *grpcapp.App[struct{}]
-	http   *http.Server
+	config  *config
+	app     *grpcapp.App[struct{}]
+	http    *http.Server
+	service *mntxservice.Service
 }

 type config struct {
 	*grpcapp.Config `yaml:",inline"`
 	Monetix         monetixConfig `yaml:"monetix"`
+	Gateway         gatewayConfig `yaml:"gateway"`
 	HTTP            httpConfig    `yaml:"http"`
 }

@@ -53,6 +57,33 @@ type monetixConfig struct {
 	StatusProcessing       string   `yaml:"status_processing"`
 }

+type gatewayConfig struct {
+	ID         string       `yaml:"id"`
+	Network    string       `yaml:"network"`
+	Currencies []string     `yaml:"currencies"`
+	IsEnabled  *bool        `yaml:"is_enabled"`
+	Limits     limitsConfig `yaml:"limits"`
+}
+
+type limitsConfig struct {
+	MinAmount      string                       `yaml:"min_amount"`
+	MaxAmount      string                       `yaml:"max_amount"`
+	PerTxMaxFee    string                       `yaml:"per_tx_max_fee"`
+	PerTxMinAmount string                       `yaml:"per_tx_min_amount"`
+	PerTxMaxAmount string                       `yaml:"per_tx_max_amount"`
+	VolumeLimit    map[string]string            `yaml:"volume_limit"`
+	VelocityLimit  map[string]int               `yaml:"velocity_limit"`
+	CurrencyLimits map[string]limitsOverrideCfg `yaml:"currency_limits"`
+}
+
+type limitsOverrideCfg struct {
+	MaxVolume string `yaml:"max_volume"`
+	MinAmount string `yaml:"min_amount"`
+	MaxAmount string `yaml:"max_amount"`
+	MaxFee    string `yaml:"max_fee"`
+	MaxOps    int    `yaml:"max_ops"`
+}
+
 type httpConfig struct {
 	Callback callbackConfig `yaml:"callback"`
 }
@@ -86,6 +117,9 @@ func (i *Imp) Shutdown() {
 	ctx, cancel := context.WithTimeout(context.Background(), timeout)
 	defer cancel()

+	if i.service != nil {
+		i.service.Shutdown()
+	}
 	if i.http != nil {
 		_ = i.http.Shutdown(ctx)
 		i.http = nil
@@ -131,6 +165,17 @@ func (i *Imp) Start() error {
 		zap.String("status_processing", monetixCfg.ProcessingStatus()),
 	)

+	gatewayDescriptor := resolveGatewayDescriptor(cfg.Gateway, monetixCfg)
+	if gatewayDescriptor != nil {
+		i.logger.Info("Gateway descriptor resolved",
+			zap.String("id", gatewayDescriptor.GetId()),
+			zap.String("rail", gatewayDescriptor.GetRail().String()),
+			zap.String("network", gatewayDescriptor.GetNetwork()),
+			zap.Int("currencies", len(gatewayDescriptor.GetCurrencies())),
+			zap.Bool("enabled", gatewayDescriptor.GetIsEnabled()),
+		)
+	}
+
 	i.logger.Info("Callback configuration resolved",
 		zap.String("address", callbackCfg.Address),
 		zap.String("path", callbackCfg.Path),
@@ -142,8 +187,10 @@ func (i *Imp) Start() error {
 		svc := mntxservice.NewService(logger,
 			mntxservice.WithProducer(producer),
 			mntxservice.WithMonetixConfig(monetixCfg),
+			mntxservice.WithGatewayDescriptor(gatewayDescriptor),
 			mntxservice.WithHTTPClient(&http.Client{Timeout: monetixCfg.Timeout()}),
 		)
+		i.service = svc

 		if err := i.startHTTPCallbackServer(svc, callbackCfg); err != nil {
 			return nil, err
@@ -243,6 +290,129 @@ func (i *Imp) resolveMonetixConfig(cfg monetixConfig) (monetix.Config, error) {
 	}, nil
 }

+func resolveGatewayDescriptor(cfg gatewayConfig, monetixCfg monetix.Config) *gatewayv1.GatewayInstanceDescriptor {
+	id := strings.TrimSpace(cfg.ID)
+	if id == "" {
+		id = "monetix"
+	}
+
+	network := strings.ToUpper(strings.TrimSpace(cfg.Network))
+	currencies := normalizeCurrencies(cfg.Currencies)
+	if len(currencies) == 0 {
+		currencies = normalizeCurrencies(monetixCfg.AllowedCurrencies)
+	}
+
+	enabled := true
+	if cfg.IsEnabled != nil {
+		enabled = *cfg.IsEnabled
+	}
+
+	limits := buildGatewayLimits(cfg.Limits)
+	if limits == nil {
+		limits = &gatewayv1.Limits{MinAmount: "0"}
+	}
+
+	version := strings.TrimSpace(appversion.Version)
+
+	return &gatewayv1.GatewayInstanceDescriptor{
+		Id:         id,
+		Rail:       gatewayv1.Rail_RAIL_CARD_PAYOUT,
+		Network:    network,
+		Currencies: currencies,
+		Capabilities: &gatewayv1.RailCapabilities{
+			CanPayOut:              true,
+			CanPayIn:               false,
+			CanReadBalance:         false,
+			CanSendFee:             false,
+			RequiresObserveConfirm: false,
+		},
+		Limits:    limits,
+		Version:   version,
+		IsEnabled: enabled,
+	}
+}
+
+func normalizeCurrencies(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	seen := map[string]bool{}
+	result := make([]string, 0, len(values))
+	for _, value := range values {
+		clean := strings.ToUpper(strings.TrimSpace(value))
+		if clean == "" || seen[clean] {
+			continue
+		}
+		seen[clean] = true
+		result = append(result, clean)
+	}
+	return result
+}
+
+func buildGatewayLimits(cfg limitsConfig) *gatewayv1.Limits {
+	hasValue := strings.TrimSpace(cfg.MinAmount) != "" ||
+		strings.TrimSpace(cfg.MaxAmount) != "" ||
+		strings.TrimSpace(cfg.PerTxMaxFee) != "" ||
+		strings.TrimSpace(cfg.PerTxMinAmount) != "" ||
+		strings.TrimSpace(cfg.PerTxMaxAmount) != "" ||
+		len(cfg.VolumeLimit) > 0 ||
+		len(cfg.VelocityLimit) > 0 ||
+		len(cfg.CurrencyLimits) > 0
+	if !hasValue {
+		return nil
+	}
+
+	limits := &gatewayv1.Limits{
+		MinAmount:      strings.TrimSpace(cfg.MinAmount),
+		MaxAmount:      strings.TrimSpace(cfg.MaxAmount),
+		PerTxMaxFee:    strings.TrimSpace(cfg.PerTxMaxFee),
+		PerTxMinAmount: strings.TrimSpace(cfg.PerTxMinAmount),
+		PerTxMaxAmount: strings.TrimSpace(cfg.PerTxMaxAmount),
+	}
+
+	if len(cfg.VolumeLimit) > 0 {
+		limits.VolumeLimit = map[string]string{}
+		for key, value := range cfg.VolumeLimit {
+			bucket := strings.TrimSpace(key)
+			amount := strings.TrimSpace(value)
+			if bucket == "" || amount == "" {
+				continue
+			}
+			limits.VolumeLimit[bucket] = amount
+		}
+	}
+
+	if len(cfg.VelocityLimit) > 0 {
+		limits.VelocityLimit = map[string]int32{}
+		for key, value := range cfg.VelocityLimit {
+			bucket := strings.TrimSpace(key)
+			if bucket == "" {
+				continue
+			}
+			limits.VelocityLimit[bucket] = int32(value)
+		}
+	}
+
+	if len(cfg.CurrencyLimits) > 0 {
+		limits.CurrencyLimits = map[string]*gatewayv1.LimitsOverride{}
+		for key, override := range cfg.CurrencyLimits {
+			currency := strings.ToUpper(strings.TrimSpace(key))
+			if currency == "" {
+				continue
+			}
+			limits.CurrencyLimits[currency] = &gatewayv1.LimitsOverride{
+				MaxVolume: strings.TrimSpace(override.MaxVolume),
+				MinAmount: strings.TrimSpace(override.MinAmount),
+				MaxAmount: strings.TrimSpace(override.MaxAmount),
+				MaxFee:    strings.TrimSpace(override.MaxFee),
+				MaxOps:    int32(override.MaxOps),
+			}
+		}
+	}
+
+	return limits
+}
+
 type callbackRuntimeConfig struct {
 	Address      string
 	Path         string
@@ -288,7 +458,7 @@ func (i *Imp) resolveCallbackConfig(cfg callbackConfig) (callbackRuntimeConfig,

 func (i *Imp) startHTTPCallbackServer(svc *mntxservice.Service, cfg callbackRuntimeConfig) error {
 	if svc == nil {
-		return errors.New("nil service provided for callback server")
+		return merrors.InvalidArgument("nil service provided for callback server")
 	}
 	if strings.TrimSpace(cfg.Address) == "" {
 		i.logger.Info("Monetix callback server disabled: address is empty")
--- a/api/gateway/mntx/internal/service/gateway/callback.go
+++ b/api/gateway/mntx/internal/service/gateway/callback.go
@@ -1,8 +1,10 @@
 package gateway

 import (
+	"bytes"
 	"context"
 	"crypto/hmac"
+	"encoding/json"
 	"net/http"
 	"strings"

@@ -43,10 +45,11 @@ type callbackOperation struct {
 		Currency string `json:"currency"`
 	} `json:"sum_converted"`
 	Provider struct {
-		ID        int64  `json:"id"`
-		PaymentID string `json:"payment_id"`
-		Date      string `json:"date"`
-		AuthCode  string `json:"auth_code"`
+		ID         int64  `json:"id"`
+		PaymentID  string `json:"payment_id"`
+		AuthCode   string `json:"auth_code"`
+		EndpointID int64  `json:"endpoint_id"`
+		Date       string `json:"date"`
 	} `json:"provider"`
 	Code    string `json:"code"`
 	Message string `json:"message"`
@@ -56,7 +59,11 @@ type monetixCallback struct {
 	ProjectID int64           `json:"project_id"`
 	Payment   callbackPayment `json:"payment"`
 	Account   struct {
-		Number string `json:"number"`
+		Number      string `json:"number"`
+		Type        string `json:"type"`
+		CardHolder  string `json:"card_holder"`
+		ExpiryMonth string `json:"expiry_month"`
+		ExpiryYear  string `json:"expiry_year"`
 	} `json:"account"`
 	Customer struct {
 		ID string `json:"id"`
@@ -120,17 +127,48 @@ func fallbackProviderPaymentID(cb monetixCallback) string {
 	return cb.Payment.ID
 }

-func verifyCallbackSignature(cb monetixCallback, secret string) error {
-	expected := cb.Signature
-	cb.Signature = ""
-	calculated, err := monetix.SignPayload(cb, secret)
+func verifyCallbackSignature(payload []byte, secret string) (string, error) {
+	root, err := decodeCallbackPayload(payload)
 	if err != nil {
-		return err
+		return "", err
 	}
-	if subtleConstantTimeCompare(expected, calculated) {
-		return nil
+	signature, ok := signatureFromPayload(root)
+	if !ok || strings.TrimSpace(signature) == "" {
+		return "", merrors.InvalidArgument("signature is missing")
 	}
-	return merrors.DataConflict("signature mismatch")
+	calculated, err := monetix.SignPayload(root, secret)
+	if err != nil {
+		return signature, err
+	}
+	if subtleConstantTimeCompare(signature, calculated) {
+		return signature, nil
+	}
+	return signature, merrors.DataConflict("signature mismatch")
+}
+
+func decodeCallbackPayload(payload []byte) (any, error) {
+	var root any
+	decoder := json.NewDecoder(bytes.NewReader(payload))
+	decoder.UseNumber()
+	if err := decoder.Decode(&root); err != nil {
+		return nil, err
+	}
+	return root, nil
+}
+
+func signatureFromPayload(root any) (string, bool) {
+	payload, ok := root.(map[string]any)
+	if !ok {
+		return "", false
+	}
+	for key, value := range payload {
+		if !strings.EqualFold(key, "signature") {
+			continue
+		}
+		signature, ok := value.(string)
+		return signature, ok
+	}
+	return "", false
 }

 func subtleConstantTimeCompare(a, b string) bool {
--- a/api/gateway/mntx/internal/service/gateway/callback_test.go
+++ b/api/gateway/mntx/internal/service/gateway/callback_test.go
@@ -1,6 +1,7 @@
 package gateway

 import (
+	"encoding/json"
 	"testing"
 	"time"

@@ -38,11 +39,11 @@ func TestMapCallbackToState_StatusMapping(t *testing.T) {
 	cfg := monetix.DefaultConfig()

 	cases := []struct {
-		name           string
-		paymentStatus  string
+		name            string
+		paymentStatus   string
 		operationStatus string
-		code           string
-		expectedStatus mntxv1.PayoutStatus
+		code            string
+		expectedStatus  mntxv1.PayoutStatus
 		expectedOutcome string
 	}{
 		{
@@ -119,12 +120,20 @@ func TestVerifyCallbackSignature(t *testing.T) {
 		t.Fatalf("failed to sign payload: %v", err)
 	}
 	cb.Signature = sig
-	if err := verifyCallbackSignature(cb, secret); err != nil {
+	payload, err := json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+	if _, err := verifyCallbackSignature(payload, secret); err != nil {
 		t.Fatalf("expected valid signature, got %v", err)
 	}

 	cb.Signature = "invalid"
-	if err := verifyCallbackSignature(cb, secret); err == nil {
+	payload, err = json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+	if _, err := verifyCallbackSignature(payload, secret); err == nil {
 		t.Fatalf("expected signature mismatch error")
 	}
 }
--- a/api/gateway/mntx/internal/service/gateway/card_processor.go
+++ b/api/gateway/mntx/internal/service/gateway/card_processor.go
@@ -3,6 +3,7 @@ package gateway
 import (
 	"context"
 	"encoding/json"
+	"errors"
 	"net/http"
 	"strings"

@@ -338,13 +339,19 @@ func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byt
 		return http.StatusBadRequest, err
 	}

-	if strings.TrimSpace(cb.Signature) == "" {
-		p.logger.Warn("Monetix callback signature is missing", zap.String("payout_id", cb.Payment.ID))
-		return http.StatusBadRequest, merrors.InvalidArgument("signature is missing")
-	}
-	if err := verifyCallbackSignature(cb, p.config.SecretKey); err != nil {
-		p.logger.Warn("Monetix callback signature check failed", zap.Error(err))
-		return http.StatusForbidden, err
+	signature, err := verifyCallbackSignature(payload, p.config.SecretKey)
+	if err != nil {
+		status := http.StatusBadRequest
+		if errors.Is(err, merrors.ErrDataConflict) {
+			status = http.StatusForbidden
+		}
+		p.logger.Warn("Monetix callback signature check failed",
+			zap.String("payout_id", cb.Payment.ID),
+			zap.String("signature", signature),
+			zap.String("payload", string(payload)),
+			zap.Error(err),
+		)
+		return status, err
 	}

 	state, statusLabel := mapCallbackToState(p.clock, p.config, cb)
--- a/api/gateway/mntx/internal/service/gateway/connector.go
+++ b/api/gateway/mntx/internal/service/gateway/connector.go
@@ -0,0 +1,293 @@
+package gateway
+
+import (
+	"context"
+	"errors"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/gateway/mntx/internal/appversion"
+	"github.com/tech/sendico/pkg/connector/params"
+	"github.com/tech/sendico/pkg/merrors"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+const mntxConnectorID = "mntx"
+
+func (s *Service) GetCapabilities(_ context.Context, _ *connectorv1.GetCapabilitiesRequest) (*connectorv1.GetCapabilitiesResponse, error) {
+	return &connectorv1.GetCapabilitiesResponse{
+		Capabilities: &connectorv1.ConnectorCapabilities{
+			ConnectorType:          mntxConnectorID,
+			Version:                appversion.Create().Short(),
+			SupportedAccountKinds:  nil,
+			SupportedOperationTypes: []connectorv1.OperationType{connectorv1.OperationType_PAYOUT},
+			OperationParams:         mntxOperationParams(),
+		},
+	}, nil
+}
+
+func (s *Service) OpenAccount(_ context.Context, _ *connectorv1.OpenAccountRequest) (*connectorv1.OpenAccountResponse, error) {
+	return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND, "open_account: unsupported", nil, "")}, nil
+}
+
+func (s *Service) GetAccount(_ context.Context, _ *connectorv1.GetAccountRequest) (*connectorv1.GetAccountResponse, error) {
+	return nil, merrors.NotImplemented("get_account: unsupported")
+}
+
+func (s *Service) ListAccounts(_ context.Context, _ *connectorv1.ListAccountsRequest) (*connectorv1.ListAccountsResponse, error) {
+	return nil, merrors.NotImplemented("list_accounts: unsupported")
+}
+
+func (s *Service) GetBalance(_ context.Context, _ *connectorv1.GetBalanceRequest) (*connectorv1.GetBalanceResponse, error) {
+	return nil, merrors.NotImplemented("get_balance: unsupported")
+}
+
+func (s *Service) SubmitOperation(ctx context.Context, req *connectorv1.SubmitOperationRequest) (*connectorv1.SubmitOperationResponse, error) {
+	if req == nil || req.GetOperation() == nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: operation is required", nil, "")}}, nil
+	}
+	op := req.GetOperation()
+	if strings.TrimSpace(op.GetIdempotencyKey()) == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: idempotency_key is required", op, "")}}, nil
+	}
+	if op.GetType() != connectorv1.OperationType_PAYOUT {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_OPERATION, "submit_operation: unsupported operation type", op, "")}}, nil
+	}
+	reader := params.New(op.GetParams())
+	amountMinor, currency, err := payoutAmount(op, reader)
+	if err != nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+	}
+
+	payoutID := strings.TrimSpace(reader.String("payout_id"))
+	if payoutID == "" {
+		payoutID = strings.TrimSpace(op.GetIdempotencyKey())
+	}
+
+	if strings.TrimSpace(reader.String("card_token")) != "" {
+		resp, err := s.CreateCardTokenPayout(ctx, buildCardTokenPayoutRequestFromParams(reader, payoutID, amountMinor, currency))
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+		}
+		return &connectorv1.SubmitOperationResponse{Receipt: payoutReceipt(resp.GetPayout())}, nil
+	}
+	resp, err := s.CreateCardPayout(ctx, buildCardPayoutRequestFromParams(reader, payoutID, amountMinor, currency))
+	if err != nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+	}
+	return &connectorv1.SubmitOperationResponse{Receipt: payoutReceipt(resp.GetPayout())}, nil
+}
+
+func (s *Service) GetOperation(ctx context.Context, req *connectorv1.GetOperationRequest) (*connectorv1.GetOperationResponse, error) {
+	if req == nil || strings.TrimSpace(req.GetOperationId()) == "" {
+		return nil, merrors.InvalidArgument("get_operation: operation_id is required")
+	}
+	resp, err := s.GetCardPayoutStatus(ctx, &mntxv1.GetCardPayoutStatusRequest{PayoutId: strings.TrimSpace(req.GetOperationId())})
+	if err != nil {
+		return nil, err
+	}
+	return &connectorv1.GetOperationResponse{Operation: payoutToOperation(resp.GetPayout())}, nil
+}
+
+func (s *Service) ListOperations(_ context.Context, _ *connectorv1.ListOperationsRequest) (*connectorv1.ListOperationsResponse, error) {
+	return nil, merrors.NotImplemented("list_operations: unsupported")
+}
+
+func mntxOperationParams() []*connectorv1.OperationParamSpec {
+	return []*connectorv1.OperationParamSpec{
+		{OperationType: connectorv1.OperationType_PAYOUT, Params: []*connectorv1.ParamSpec{
+			{Key: "customer_id", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "customer_first_name", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "customer_last_name", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "customer_ip", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "card_token", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "card_pan", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "card_exp_year", Type: connectorv1.ParamType_INT, Required: false},
+			{Key: "card_exp_month", Type: connectorv1.ParamType_INT, Required: false},
+			{Key: "card_holder", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "amount_minor", Type: connectorv1.ParamType_INT, Required: false},
+			{Key: "project_id", Type: connectorv1.ParamType_INT, Required: false},
+			{Key: "customer_middle_name", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_country", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_state", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_city", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_address", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_zip", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "masked_pan", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false},
+		}},
+	}
+}
+
+func payoutAmount(op *connectorv1.Operation, reader params.Reader) (int64, string, error) {
+	if op == nil {
+		return 0, "", merrors.InvalidArgument("payout: operation is required")
+	}
+	currency := currencyFromOperation(op)
+	if currency == "" {
+		return 0, "", merrors.InvalidArgument("payout: currency is required")
+	}
+	if minor, ok := reader.Int64("amount_minor"); ok && minor > 0 {
+		return minor, currency, nil
+	}
+	money := op.GetMoney()
+	if money == nil {
+		return 0, "", merrors.InvalidArgument("payout: money is required")
+	}
+	amount := strings.TrimSpace(money.GetAmount())
+	if amount == "" {
+		return 0, "", merrors.InvalidArgument("payout: amount is required")
+	}
+	dec, err := decimal.NewFromString(amount)
+	if err != nil {
+		return 0, "", merrors.InvalidArgument("payout: invalid amount")
+	}
+	minor := dec.Mul(decimal.NewFromInt(100)).IntPart()
+	return minor, currency, nil
+}
+
+func currencyFromOperation(op *connectorv1.Operation) string {
+	if op == nil || op.GetMoney() == nil {
+		return ""
+	}
+	currency := strings.TrimSpace(op.GetMoney().GetCurrency())
+	if idx := strings.Index(currency, "-"); idx > 0 {
+		currency = currency[:idx]
+	}
+	return strings.ToUpper(currency)
+}
+
+func buildCardTokenPayoutRequestFromParams(reader params.Reader, payoutID string, amountMinor int64, currency string) *mntxv1.CardTokenPayoutRequest {
+	req := &mntxv1.CardTokenPayoutRequest{
+		PayoutId:          payoutID,
+		ProjectId:         readerInt64(reader, "project_id"),
+		CustomerId:        strings.TrimSpace(reader.String("customer_id")),
+		CustomerFirstName: strings.TrimSpace(reader.String("customer_first_name")),
+		CustomerMiddleName: strings.TrimSpace(reader.String("customer_middle_name")),
+		CustomerLastName:  strings.TrimSpace(reader.String("customer_last_name")),
+		CustomerIp:        strings.TrimSpace(reader.String("customer_ip")),
+		CustomerZip:       strings.TrimSpace(reader.String("customer_zip")),
+		CustomerCountry:   strings.TrimSpace(reader.String("customer_country")),
+		CustomerState:     strings.TrimSpace(reader.String("customer_state")),
+		CustomerCity:      strings.TrimSpace(reader.String("customer_city")),
+		CustomerAddress:   strings.TrimSpace(reader.String("customer_address")),
+		AmountMinor:       amountMinor,
+		Currency:          currency,
+		CardToken:         strings.TrimSpace(reader.String("card_token")),
+		CardHolder:        strings.TrimSpace(reader.String("card_holder")),
+		MaskedPan:         strings.TrimSpace(reader.String("masked_pan")),
+		Metadata:          reader.StringMap("metadata"),
+	}
+	return req
+}
+
+func buildCardPayoutRequestFromParams(reader params.Reader, payoutID string, amountMinor int64, currency string) *mntxv1.CardPayoutRequest {
+	return &mntxv1.CardPayoutRequest{
+		PayoutId:          payoutID,
+		ProjectId:         readerInt64(reader, "project_id"),
+		CustomerId:        strings.TrimSpace(reader.String("customer_id")),
+		CustomerFirstName: strings.TrimSpace(reader.String("customer_first_name")),
+		CustomerMiddleName: strings.TrimSpace(reader.String("customer_middle_name")),
+		CustomerLastName:  strings.TrimSpace(reader.String("customer_last_name")),
+		CustomerIp:        strings.TrimSpace(reader.String("customer_ip")),
+		CustomerZip:       strings.TrimSpace(reader.String("customer_zip")),
+		CustomerCountry:   strings.TrimSpace(reader.String("customer_country")),
+		CustomerState:     strings.TrimSpace(reader.String("customer_state")),
+		CustomerCity:      strings.TrimSpace(reader.String("customer_city")),
+		CustomerAddress:   strings.TrimSpace(reader.String("customer_address")),
+		AmountMinor:       amountMinor,
+		Currency:          currency,
+		CardPan:           strings.TrimSpace(reader.String("card_pan")),
+		CardExpYear:       uint32(readerInt64(reader, "card_exp_year")),
+		CardExpMonth:      uint32(readerInt64(reader, "card_exp_month")),
+		CardHolder:        strings.TrimSpace(reader.String("card_holder")),
+		Metadata:          reader.StringMap("metadata"),
+	}
+}
+
+func readerInt64(reader params.Reader, key string) int64 {
+	if v, ok := reader.Int64(key); ok {
+		return v
+	}
+	return 0
+}
+
+func payoutReceipt(state *mntxv1.CardPayoutState) *connectorv1.OperationReceipt {
+	if state == nil {
+		return &connectorv1.OperationReceipt{
+			Status: connectorv1.OperationStatus_PENDING,
+		}
+	}
+	return &connectorv1.OperationReceipt{
+		OperationId: strings.TrimSpace(state.GetPayoutId()),
+		Status:      payoutStatusToOperation(state.GetStatus()),
+		ProviderRef: strings.TrimSpace(state.GetProviderPaymentId()),
+	}
+}
+
+func payoutToOperation(state *mntxv1.CardPayoutState) *connectorv1.Operation {
+	if state == nil {
+		return nil
+	}
+	return &connectorv1.Operation{
+		OperationId: strings.TrimSpace(state.GetPayoutId()),
+		Type:        connectorv1.OperationType_PAYOUT,
+		Status:      payoutStatusToOperation(state.GetStatus()),
+		Money: &moneyv1.Money{
+			Amount:   minorToDecimal(state.GetAmountMinor()),
+			Currency: strings.ToUpper(strings.TrimSpace(state.GetCurrency())),
+		},
+		ProviderRef: strings.TrimSpace(state.GetProviderPaymentId()),
+		CreatedAt:   state.GetCreatedAt(),
+		UpdatedAt:   state.GetUpdatedAt(),
+	}
+}
+
+func minorToDecimal(amount int64) string {
+	dec := decimal.NewFromInt(amount).Div(decimal.NewFromInt(100))
+	return dec.StringFixed(2)
+}
+
+func payoutStatusToOperation(status mntxv1.PayoutStatus) connectorv1.OperationStatus {
+	switch status {
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED:
+		return connectorv1.OperationStatus_CONFIRMED
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED:
+		return connectorv1.OperationStatus_FAILED
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING:
+		return connectorv1.OperationStatus_PENDING
+	default:
+		return connectorv1.OperationStatus_PENDING
+	}
+}
+
+func connectorError(code connectorv1.ErrorCode, message string, op *connectorv1.Operation, accountID string) *connectorv1.ConnectorError {
+	err := &connectorv1.ConnectorError{
+		Code:      code,
+		Message:   strings.TrimSpace(message),
+		AccountId: strings.TrimSpace(accountID),
+	}
+	if op != nil {
+		err.CorrelationId = strings.TrimSpace(op.GetCorrelationId())
+		err.ParentIntentId = strings.TrimSpace(op.GetParentIntentId())
+		err.OperationId = strings.TrimSpace(op.GetOperationId())
+	}
+	return err
+}
+
+func mapErrorCode(err error) connectorv1.ErrorCode {
+	switch {
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return connectorv1.ErrorCode_INVALID_PARAMS
+	case errors.Is(err, merrors.ErrNoData):
+		return connectorv1.ErrorCode_NOT_FOUND
+	case errors.Is(err, merrors.ErrNotImplemented):
+		return connectorv1.ErrorCode_UNSUPPORTED_OPERATION
+	case errors.Is(err, merrors.ErrInternal):
+		return connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE
+	default:
+		return connectorv1.ErrorCode_PROVIDER_ERROR
+	}
+}
--- a/api/gateway/mntx/internal/service/gateway/instances.go
+++ b/api/gateway/mntx/internal/service/gateway/instances.go
@@ -0,0 +1,62 @@
+package gateway
+
+import (
+	"context"
+
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/proto"
+)
+
+// ListGatewayInstances exposes the Monetix gateway instance descriptors.
+func (s *Service) ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error) {
+	return executeUnary(ctx, s, "ListGatewayInstances", s.handleListGatewayInstances, req)
+}
+
+func (s *Service) handleListGatewayInstances(_ context.Context, _ *mntxv1.ListGatewayInstancesRequest) gsresponse.Responder[mntxv1.ListGatewayInstancesResponse] {
+	items := make([]*gatewayv1.GatewayInstanceDescriptor, 0, 1)
+	if s.gatewayDescriptor != nil {
+		items = append(items, cloneGatewayDescriptor(s.gatewayDescriptor))
+	}
+	return gsresponse.Success(&mntxv1.ListGatewayInstancesResponse{Items: items})
+}
+
+func cloneGatewayDescriptor(src *gatewayv1.GatewayInstanceDescriptor) *gatewayv1.GatewayInstanceDescriptor {
+	if src == nil {
+		return nil
+	}
+	cp := proto.Clone(src).(*gatewayv1.GatewayInstanceDescriptor)
+	if src.Currencies != nil {
+		cp.Currencies = append([]string(nil), src.Currencies...)
+	}
+	if src.Capabilities != nil {
+		cp.Capabilities = proto.Clone(src.Capabilities).(*gatewayv1.RailCapabilities)
+	}
+	if src.Limits != nil {
+		limits := &gatewayv1.Limits{}
+		if src.Limits.VolumeLimit != nil {
+			limits.VolumeLimit = map[string]string{}
+			for key, value := range src.Limits.VolumeLimit {
+				limits.VolumeLimit[key] = value
+			}
+		}
+		if src.Limits.VelocityLimit != nil {
+			limits.VelocityLimit = map[string]int32{}
+			for key, value := range src.Limits.VelocityLimit {
+				limits.VelocityLimit[key] = value
+			}
+		}
+		if src.Limits.CurrencyLimits != nil {
+			limits.CurrencyLimits = map[string]*gatewayv1.LimitsOverride{}
+			for key, value := range src.Limits.CurrencyLimits {
+				if value == nil {
+					continue
+				}
+				limits.CurrencyLimits[key] = proto.Clone(value).(*gatewayv1.LimitsOverride)
+			}
+		}
+		cp.Limits = limits
+	}
+	return cp
+}
--- a/api/gateway/mntx/internal/service/gateway/metrics.go
+++ b/api/gateway/mntx/internal/service/gateway/metrics.go
@@ -2,15 +2,12 @@ package gateway

 import (
 	"errors"
-	"strings"
 	"sync"
 	"time"

 	"github.com/prometheus/client_golang/prometheus"
 	"github.com/prometheus/client_golang/prometheus/promauto"
-	"github.com/shopspring/decimal"
 	"github.com/tech/sendico/pkg/merrors"
-	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 )

 var (
@@ -18,11 +15,6 @@ var (

 	rpcLatency *prometheus.HistogramVec
 	rpcStatus  *prometheus.CounterVec
-
-	payoutCounter       *prometheus.CounterVec
-	payoutAmountTotal   *prometheus.CounterVec
-	payoutErrorCount    *prometheus.CounterVec
-	payoutMissedAmounts *prometheus.CounterVec
 )

 func initMetrics() {
@@ -42,33 +34,6 @@ func initMetrics() {
 			Help:      "Total number of RPC invocations grouped by method and status.",
 		}, []string{"method", "status"})

-		payoutCounter = promauto.NewCounterVec(prometheus.CounterOpts{
-			Namespace: "sendico",
-			Subsystem: "mntx_gateway",
-			Name:      "payouts_total",
-			Help:      "Total payouts processed grouped by outcome.",
-		}, []string{"status"})
-
-		payoutAmountTotal = promauto.NewCounterVec(prometheus.CounterOpts{
-			Namespace: "sendico",
-			Subsystem: "mntx_gateway",
-			Name:      "payout_amount_total",
-			Help:      "Total payout amount grouped by outcome and currency.",
-		}, []string{"status", "currency"})
-
-		payoutErrorCount = promauto.NewCounterVec(prometheus.CounterOpts{
-			Namespace: "sendico",
-			Subsystem: "mntx_gateway",
-			Name:      "payout_errors_total",
-			Help:      "Payout failures grouped by reason.",
-		}, []string{"reason"})
-
-		payoutMissedAmounts = promauto.NewCounterVec(prometheus.CounterOpts{
-			Namespace: "sendico",
-			Subsystem: "mntx_gateway",
-			Name:      "payout_missed_amount_total",
-			Help:      "Total payout volume that failed grouped by reason and currency.",
-		}, []string{"reason", "currency"})
 	})
 }

@@ -81,71 +46,6 @@ func observeRPC(method string, err error, duration time.Duration) {
 	}
 }

-func observePayoutSuccess(amount *moneyv1.Money) {
-	if payoutCounter != nil {
-		payoutCounter.WithLabelValues("processed").Inc()
-	}
-	value, currency := monetaryValue(amount)
-	if value > 0 && payoutAmountTotal != nil {
-		payoutAmountTotal.WithLabelValues("processed", currency).Add(value)
-	}
-}
-
-func observePayoutError(reason string, amount *moneyv1.Money) {
-	reason = reasonLabel(reason)
-	if payoutCounter != nil {
-		payoutCounter.WithLabelValues("failed").Inc()
-	}
-	if payoutErrorCount != nil {
-		payoutErrorCount.WithLabelValues(reason).Inc()
-	}
-	value, currency := monetaryValue(amount)
-	if value <= 0 {
-		return
-	}
-	if payoutAmountTotal != nil {
-		payoutAmountTotal.WithLabelValues("failed", currency).Add(value)
-	}
-	if payoutMissedAmounts != nil {
-		payoutMissedAmounts.WithLabelValues(reason, currency).Add(value)
-	}
-}
-
-func monetaryValue(amount *moneyv1.Money) (float64, string) {
-	if amount == nil {
-		return 0, "unknown"
-	}
-	val := strings.TrimSpace(amount.Amount)
-	if val == "" {
-		return 0, currencyLabel(amount.Currency)
-	}
-	dec, err := decimal.NewFromString(val)
-	if err != nil {
-		return 0, currencyLabel(amount.Currency)
-	}
-	f, _ := dec.Float64()
-	if f < 0 {
-		return 0, currencyLabel(amount.Currency)
-	}
-	return f, currencyLabel(amount.Currency)
-}
-
-func currencyLabel(code string) string {
-	code = strings.ToUpper(strings.TrimSpace(code))
-	if code == "" {
-		return "unknown"
-	}
-	return code
-}
-
-func reasonLabel(reason string) string {
-	reason = strings.TrimSpace(reason)
-	if reason == "" {
-		return "unknown"
-	}
-	return strings.ToLower(reason)
-}
-
 func statusLabel(err error) string {
 	switch {
 	case err == nil:
--- a/api/gateway/mntx/internal/service/gateway/options.go
+++ b/api/gateway/mntx/internal/service/gateway/options.go
@@ -6,6 +6,7 @@ import (
 	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
 	"github.com/tech/sendico/pkg/clock"
 	msg "github.com/tech/sendico/pkg/messaging"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
 )

 // Option configures optional service dependencies.
@@ -42,3 +43,12 @@ func WithMonetixConfig(cfg monetix.Config) Option {
 		s.config = cfg
 	}
 }
+
+// WithGatewayDescriptor sets the self-declared gateway instance descriptor.
+func WithGatewayDescriptor(descriptor *gatewayv1.GatewayInstanceDescriptor) Option {
+	return func(s *Service) {
+		if descriptor != nil {
+			s.gatewayDescriptor = descriptor
+		}
+	}
+}
--- a/api/gateway/mntx/internal/service/gateway/payout_get.go
+++ b/api/gateway/mntx/internal/service/gateway/payout_get.go
@@ -1,36 +0,0 @@
-package gateway
-
-import (
-	"context"
-	"fmt"
-	"strings"
-
-	"github.com/tech/sendico/pkg/api/routers/gsresponse"
-	"github.com/tech/sendico/pkg/merrors"
-	"github.com/tech/sendico/pkg/mservice"
-	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
-	"go.uber.org/zap"
-)
-
-func (s *Service) GetPayout(ctx context.Context, req *mntxv1.GetPayoutRequest) (*mntxv1.GetPayoutResponse, error) {
-	return executeUnary(ctx, s, "GetPayout", s.handleGetPayout, req)
-}
-
-func (s *Service) handleGetPayout(_ context.Context, req *mntxv1.GetPayoutRequest) gsresponse.Responder[mntxv1.GetPayoutResponse] {
-	ref := strings.TrimSpace(req.GetPayoutRef())
-	log := s.logger.Named("payout")
-	log.Info("Get payout request received", zap.String("payout_ref", ref))
-	if ref == "" {
-		log.Warn("Get payout request missing payout_ref")
-		return gsresponse.InvalidArgument[mntxv1.GetPayoutResponse](s.logger, mservice.MntxGateway, merrors.InvalidArgument("payout_ref is required", "payout_ref"))
-	}
-
-	payout, ok := s.store.Get(ref)
-	if !ok {
-		log.Warn("Payout not found", zap.String("payout_ref", ref))
-		return gsresponse.NotFound[mntxv1.GetPayoutResponse](s.logger, mservice.MntxGateway, merrors.NoData(fmt.Sprintf("payout %s not found", ref)))
-	}
-
-	log.Info("Payout retrieved", zap.String("payout_ref", ref), zap.String("status", payout.GetStatus().String()))
-	return gsresponse.Success(&mntxv1.GetPayoutResponse{Payout: payout})
-}
--- a/api/gateway/mntx/internal/service/gateway/payout_store.go
+++ b/api/gateway/mntx/internal/service/gateway/payout_store.go
@@ -1,46 +0,0 @@
-package gateway
-
-import (
-	"sync"
-
-	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
-	"google.golang.org/protobuf/proto"
-)
-
-type payoutStore struct {
-	mu      sync.RWMutex
-	payouts map[string]*mntxv1.Payout
-}
-
-func newPayoutStore() *payoutStore {
-	return &payoutStore{
-		payouts: make(map[string]*mntxv1.Payout),
-	}
-}
-
-func (s *payoutStore) Save(p *mntxv1.Payout) {
-	if p == nil {
-		return
-	}
-	s.mu.Lock()
-	defer s.mu.Unlock()
-	s.payouts[p.GetPayoutRef()] = clonePayout(p)
-}
-
-func (s *payoutStore) Get(ref string) (*mntxv1.Payout, bool) {
-	s.mu.RLock()
-	defer s.mu.RUnlock()
-	p, ok := s.payouts[ref]
-	return clonePayout(p), ok
-}
-
-func clonePayout(p *mntxv1.Payout) *mntxv1.Payout {
-	if p == nil {
-		return nil
-	}
-	cloned := proto.Clone(p)
-	if cp, ok := cloned.(*mntxv1.Payout); ok {
-		return cp
-	}
-	return nil
-}
--- a/api/gateway/mntx/internal/service/gateway/payout_submit.go
+++ b/api/gateway/mntx/internal/service/gateway/payout_submit.go
@@ -1,144 +0,0 @@
-package gateway
-
-import (
-	"context"
-	"strings"
-	"time"
-
-	"github.com/tech/sendico/pkg/api/routers/gsresponse"
-	"github.com/tech/sendico/pkg/merrors"
-	messaging "github.com/tech/sendico/pkg/messaging/envelope"
-	"github.com/tech/sendico/pkg/model"
-	nm "github.com/tech/sendico/pkg/model/notification"
-	"github.com/tech/sendico/pkg/mservice"
-	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
-	"go.uber.org/zap"
-	"google.golang.org/protobuf/encoding/protojson"
-	"google.golang.org/protobuf/types/known/timestamppb"
-)
-
-func (s *Service) SubmitPayout(ctx context.Context, req *mntxv1.SubmitPayoutRequest) (*mntxv1.SubmitPayoutResponse, error) {
-	return executeUnary(ctx, s, "SubmitPayout", s.handleSubmitPayout, req)
-}
-
-func (s *Service) handleSubmitPayout(_ context.Context, req *mntxv1.SubmitPayoutRequest) gsresponse.Responder[mntxv1.SubmitPayoutResponse] {
-	log := s.logger.Named("payout")
-	log.Info("Submit payout request received",
-		zap.String("idempotency_key", strings.TrimSpace(req.GetIdempotencyKey())),
-		zap.String("organization_ref", strings.TrimSpace(req.GetOrganizationRef())),
-		zap.String("currency", strings.TrimSpace(req.GetAmount().GetCurrency())),
-		zap.String("amount", strings.TrimSpace(req.GetAmount().GetAmount())),
-	)
-
-	payout, err := s.buildPayout(req)
-	if err != nil {
-		log.Warn("Submit payout validation failed", zap.Error(err))
-		return gsresponse.Auto[mntxv1.SubmitPayoutResponse](s.logger, mservice.MntxGateway, err)
-	}
-
-	s.store.Save(payout)
-	s.emitEvent(payout, nm.NAPending)
-	go s.completePayout(payout, strings.TrimSpace(req.GetSimulatedFailureReason()))
-
-	log.Info("Payout accepted", zap.String("payout_ref", payout.GetPayoutRef()), zap.String("status", payout.GetStatus().String()))
-	return gsresponse.Success(&mntxv1.SubmitPayoutResponse{Payout: payout})
-}
-
-func (s *Service) buildPayout(req *mntxv1.SubmitPayoutRequest) (*mntxv1.Payout, error) {
-	if req == nil {
-		return nil, newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
-	}
-
-	idempotencyKey := strings.TrimSpace(req.IdempotencyKey)
-	if idempotencyKey == "" {
-		return nil, newPayoutError("missing_idempotency_key", merrors.InvalidArgument("idempotency_key is required", "idempotency_key"))
-	}
-
-	orgRef := strings.TrimSpace(req.OrganizationRef)
-	if orgRef == "" {
-		return nil, newPayoutError("missing_organization_ref", merrors.InvalidArgument("organization_ref is required", "organization_ref"))
-	}
-
-	if err := validateAmount(req.Amount); err != nil {
-		return nil, err
-	}
-
-	if err := validateDestination(req.Destination); err != nil {
-		return nil, err
-	}
-
-	if reason := strings.TrimSpace(req.SimulatedFailureReason); reason != "" {
-		return nil, newPayoutError(normalizeReason(reason), merrors.InvalidArgument("simulated payout failure requested"))
-	}
-
-	now := timestamppb.New(s.clock.Now())
-	payout := &mntxv1.Payout{
-		PayoutRef:       newPayoutRef(),
-		IdempotencyKey:  idempotencyKey,
-		OrganizationRef: orgRef,
-		Destination:     req.Destination,
-		Amount:          req.Amount,
-		Description:     strings.TrimSpace(req.Description),
-		Metadata:        req.Metadata,
-		Status:          mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
-		CreatedAt:       now,
-		UpdatedAt:       now,
-	}
-
-	return payout, nil
-}
-
-func (s *Service) completePayout(original *mntxv1.Payout, simulatedFailure string) {
-	log := s.logger.Named("payout")
-	outcome := clonePayout(original)
-	if outcome == nil {
-		return
-	}
-
-	// Simulate async processing delay for realism.
-	time.Sleep(150 * time.Millisecond)
-
-	outcome.UpdatedAt = timestamppb.New(s.clock.Now())
-
-	if simulatedFailure != "" {
-		outcome.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
-		outcome.FailureReason = simulatedFailure
-		observePayoutError(simulatedFailure, outcome.Amount)
-		s.store.Save(outcome)
-		s.emitEvent(outcome, nm.NAUpdated)
-		log.Info("Payout completed", zap.String("payout_ref", outcome.GetPayoutRef()), zap.String("status", outcome.GetStatus().String()), zap.String("failure_reason", simulatedFailure))
-		return
-	}
-
-	outcome.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED
-	observePayoutSuccess(outcome.Amount)
-	s.store.Save(outcome)
-	s.emitEvent(outcome, nm.NAUpdated)
-	log.Info("Payout completed", zap.String("payout_ref", outcome.GetPayoutRef()), zap.String("status", outcome.GetStatus().String()))
-}
-
-func (s *Service) emitEvent(payout *mntxv1.Payout, action nm.NotificationAction) {
-	if payout == nil || s.producer == nil {
-		return
-	}
-
-	payload, err := protojson.Marshal(&mntxv1.PayoutStatusChangedEvent{Payout: payout})
-	if err != nil {
-		s.logger.Warn("Failed to marshal payout event", zapError(err))
-		return
-	}
-
-	env := messaging.CreateEnvelope(string(mservice.MntxGateway), model.NewNotification(mservice.MntxGateway, action))
-	if _, err := env.Wrap(payload); err != nil {
-		s.logger.Warn("Failed to wrap payout event payload", zapError(err))
-		return
-	}
-
-	if err := s.producer.SendMessage(env); err != nil {
-		s.logger.Warn("Failed to publish payout event", zapError(err))
-	}
-}
-
-func zapError(err error) zap.Field {
-	return zap.Error(err)
-}
--- a/api/gateway/mntx/internal/service/gateway/payout_validation.go
+++ b/api/gateway/mntx/internal/service/gateway/payout_validation.go
@@ -1,106 +0,0 @@
-package gateway
-
-import (
-	"strconv"
-	"strings"
-
-	"github.com/shopspring/decimal"
-	"github.com/tech/sendico/pkg/merrors"
-	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
-	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
-)
-
-func validateAmount(amount *moneyv1.Money) error {
-	if amount == nil {
-		return newPayoutError("missing_amount", merrors.InvalidArgument("amount is required", "amount"))
-	}
-
-	if strings.TrimSpace(amount.Currency) == "" {
-		return newPayoutError("missing_currency", merrors.InvalidArgument("amount currency is required", "amount.currency"))
-	}
-
-	val := strings.TrimSpace(amount.Amount)
-	if val == "" {
-		return newPayoutError("missing_amount_value", merrors.InvalidArgument("amount value is required", "amount.amount"))
-	}
-	dec, err := decimal.NewFromString(val)
-	if err != nil {
-		return newPayoutError("invalid_amount", merrors.InvalidArgument("amount must be a decimal value", "amount.amount"))
-	}
-	if dec.Sign() <= 0 {
-		return newPayoutError("non_positive_amount", merrors.InvalidArgument("amount must be positive", "amount.amount"))
-	}
-	return nil
-}
-
-func validateDestination(dest *mntxv1.PayoutDestination) error {
-	if dest == nil {
-		return newPayoutError("missing_destination", merrors.InvalidArgument("destination is required", "destination"))
-	}
-
-	if bank := dest.GetBankAccount(); bank != nil {
-		return validateBankAccount(bank)
-	}
-
-	if card := dest.GetCard(); card != nil {
-		return validateCardDestination(card)
-	}
-
-	return newPayoutError("invalid_destination", merrors.InvalidArgument("destination must include bank_account or card", "destination"))
-}
-
-func validateBankAccount(dest *mntxv1.BankAccount) error {
-	if dest == nil {
-		return newPayoutError("missing_destination", merrors.InvalidArgument("destination is required", "destination"))
-	}
-	iban := strings.TrimSpace(dest.Iban)
-	holder := strings.TrimSpace(dest.AccountHolder)
-
-	if iban == "" && holder == "" {
-		return newPayoutError("invalid_destination", merrors.InvalidArgument("destination must include iban or account_holder", "destination"))
-	}
-	return nil
-}
-
-func validateCardDestination(card *mntxv1.CardDestination) error {
-	if card == nil {
-		return newPayoutError("missing_destination", merrors.InvalidArgument("destination.card is required", "destination.card"))
-	}
-
-	pan := strings.TrimSpace(card.GetPan())
-	token := strings.TrimSpace(card.GetToken())
-	if pan == "" && token == "" {
-		return newPayoutError("invalid_card_destination", merrors.InvalidArgument("card destination must include pan or token", "destination.card"))
-	}
-
-	if strings.TrimSpace(card.GetCardholderName()) == "" {
-		return newPayoutError("missing_cardholder_name", merrors.InvalidArgument("cardholder_name is required", "destination.card.cardholder_name"))
-	}
-
-	month := strings.TrimSpace(card.GetExpMonth())
-	year := strings.TrimSpace(card.GetExpYear())
-	if pan != "" {
-		if err := validateExpiry(month, year); err != nil {
-			return err
-		}
-	}
-
-	return nil
-}
-
-func validateExpiry(month, year string) error {
-	if month == "" || year == "" {
-		return newPayoutError("missing_expiry", merrors.InvalidArgument("exp_month and exp_year are required for card payouts", "destination.card.expiry"))
-	}
-
-	m, err := strconv.Atoi(month)
-	if err != nil || m < 1 || m > 12 {
-		return newPayoutError("invalid_expiry_month", merrors.InvalidArgument("exp_month must be between 01 and 12", "destination.card.exp_month"))
-	}
-
-	if _, err := strconv.Atoi(year); err != nil || len(year) < 2 {
-		return newPayoutError("invalid_expiry_year", merrors.InvalidArgument("exp_year must be numeric", "destination.card.exp_year"))
-	}
-
-	return nil
-}
--- a/api/gateway/mntx/internal/service/gateway/service.go
+++ b/api/gateway/mntx/internal/service/gateway/service.go
@@ -5,30 +5,33 @@ import (
 	"net/http"
 	"strings"

-	"github.com/google/uuid"
+	"github.com/tech/sendico/gateway/mntx/internal/appversion"
 	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
 	"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/discovery"
 	msg "github.com/tech/sendico/pkg/messaging"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/mservice"
-	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
 	"go.uber.org/zap"
 	"google.golang.org/grpc"
 )

 type Service struct {
-	logger     mlogger.Logger
-	clock      clockpkg.Clock
-	producer   msg.Producer
-	store      *payoutStore
-	cardStore  *cardPayoutStore
-	config     monetix.Config
-	httpClient *http.Client
-	card       *cardPayoutProcessor
+	logger            mlogger.Logger
+	clock             clockpkg.Clock
+	producer          msg.Producer
+	cardStore         *cardPayoutStore
+	config            monetix.Config
+	httpClient        *http.Client
+	card              *cardPayoutProcessor
+	gatewayDescriptor *gatewayv1.GatewayInstanceDescriptor
+	announcer         *discovery.Announcer

-	mntxv1.UnimplementedMntxGatewayServiceServer
+	connectorv1.UnimplementedConnectorServiceServer
 }

 type payoutFailure interface {
@@ -58,7 +61,6 @@ func NewService(logger mlogger.Logger, opts ...Option) *Service {
 	svc := &Service{
 		logger:    logger.Named("service"),
 		clock:     clockpkg.NewSystem(),
-		store:     newPayoutStore(),
 		cardStore: newCardPayoutStore(),
 		config:    monetix.DefaultConfig(),
 	}
@@ -86,6 +88,7 @@ func NewService(logger mlogger.Logger, opts ...Option) *Service {
 	}

 	svc.card = newCardPayoutProcessor(svc.logger, svc.config, svc.clock, svc.cardStore, svc.httpClient, svc.producer)
+	svc.startDiscoveryAnnouncer()

 	return svc
 }
@@ -93,10 +96,19 @@ func NewService(logger mlogger.Logger, opts ...Option) *Service {
 // Register wires the service onto the provided gRPC router.
 func (s *Service) Register(router routers.GRPC) error {
 	return router.Register(func(reg grpc.ServiceRegistrar) {
-		mntxv1.RegisterMntxGatewayServiceServer(reg, s)
+		connectorv1.RegisterConnectorServiceServer(reg, s)
 	})
 }

+func (s *Service) Shutdown() {
+	if s == nil {
+		return
+	}
+	if s.announcer != nil {
+		s.announcer.Stop()
+	}
+}
+
 func executeUnary[TReq any, TResp any](ctx context.Context, svc *Service, method string, handler func(context.Context, *TReq) gsresponse.Responder[TResp], req *TReq) (*TResp, error) {
 	log := svc.logger.Named("rpc")
 	log.Info("RPC request started", zap.String("method", method))
@@ -114,10 +126,6 @@ func executeUnary[TReq any, TResp any](ctx context.Context, svc *Service, method
 	return resp, err
 }

-func newPayoutRef() string {
-	return "pyt_" + strings.ReplaceAll(uuid.New().String(), "-", "")
-}
-
 func normalizeReason(reason string) string {
 	return strings.ToLower(strings.TrimSpace(reason))
 }
@@ -128,3 +136,60 @@ func newPayoutError(reason string, err error) error {
 		err:    err,
 	}
 }
+
+func (s *Service) startDiscoveryAnnouncer() {
+	if s == nil || s.producer == nil {
+		return
+	}
+	announce := discovery.Announcement{
+		Service:    "CARD_PAYOUT_RAIL_GATEWAY",
+		Rail:       "CARD_PAYOUT",
+		Operations: []string{"payout.card"},
+		InvokeURI:  discovery.DefaultInvokeURI(string(mservice.MntxGateway)),
+		Version:    appversion.Create().Short(),
+	}
+	if s.gatewayDescriptor != nil {
+		if id := strings.TrimSpace(s.gatewayDescriptor.GetId()); id != "" {
+			announce.ID = id
+		}
+		announce.Network = strings.TrimSpace(s.gatewayDescriptor.GetNetwork())
+		announce.Currencies = append([]string(nil), s.gatewayDescriptor.GetCurrencies()...)
+		announce.Limits = limitsFromDescriptor(s.gatewayDescriptor.GetLimits())
+	}
+	s.announcer = discovery.NewAnnouncer(s.logger, s.producer, string(mservice.MntxGateway), announce)
+	s.announcer.Start()
+}
+
+func limitsFromDescriptor(src *gatewayv1.Limits) *discovery.Limits {
+	if src == nil {
+		return nil
+	}
+	limits := &discovery.Limits{
+		MinAmount:     strings.TrimSpace(src.GetMinAmount()),
+		MaxAmount:     strings.TrimSpace(src.GetMaxAmount()),
+		VolumeLimit:   map[string]string{},
+		VelocityLimit: map[string]int{},
+	}
+	for key, value := range src.GetVolumeLimit() {
+		k := strings.TrimSpace(key)
+		v := strings.TrimSpace(value)
+		if k == "" || v == "" {
+			continue
+		}
+		limits.VolumeLimit[k] = v
+	}
+	for key, value := range src.GetVelocityLimit() {
+		k := strings.TrimSpace(key)
+		if k == "" {
+			continue
+		}
+		limits.VelocityLimit[k] = int(value)
+	}
+	if len(limits.VolumeLimit) == 0 {
+		limits.VolumeLimit = nil
+	}
+	if len(limits.VelocityLimit) == 0 {
+		limits.VelocityLimit = nil
+	}
+	return limits
+}
--- a/api/gateway/mntx/internal/service/monetix/sender.go
+++ b/api/gateway/mntx/internal/service/monetix/sender.go
@@ -106,12 +106,23 @@ func (c *Client) sendTokenization(ctx context.Context, req CardTokenizeRequest)
 		zap.String("masked_pan", MaskPAN(req.Card.PAN)),
 	)

+	logRequestDeadline(c.logger, ctx, url)
 	start := time.Now()
 	resp, err := c.client.Do(httpReq)
 	duration := time.Since(start)
 	if err != nil {
 		observeRequest(outcomeNetworkError, duration)
-		c.logger.Warn("Monetix tokenization request failed", zap.Error(err))
+		fields := []zap.Field{
+			zap.String("url", url),
+			zap.Error(err),
+		}
+		if ctxErr := ctx.Err(); ctxErr != nil {
+			fields = append(fields, zap.NamedError("ctx_error", ctxErr))
+		}
+		if deadline, ok := ctx.Deadline(); ok {
+			fields = append(fields, zap.Time("deadline", deadline), zap.Duration("time_until_deadline", time.Until(deadline)))
+		}
+		c.logger.Warn("Monetix tokenization request failed", fields...)
 		return nil, merrors.Internal("monetix tokenization request failed: " + err.Error())
 	}
 	defer resp.Body.Close()
@@ -221,11 +232,23 @@ func (c *Client) send(ctx context.Context, req any, path string, dispatchLog fun
 		dispatchLog()
 	}

+	logRequestDeadline(c.logger, ctx, url)
 	start := time.Now()
 	resp, err := c.client.Do(httpReq)
 	duration := time.Since(start)
 	if err != nil {
 		observeRequest(outcomeNetworkError, duration)
+		fields := []zap.Field{
+			zap.String("url", url),
+			zap.Error(err),
+		}
+		if ctxErr := ctx.Err(); ctxErr != nil {
+			fields = append(fields, zap.NamedError("ctx_error", ctxErr))
+		}
+		if deadline, ok := ctx.Deadline(); ok {
+			fields = append(fields, zap.Time("deadline", deadline), zap.Duration("time_until_deadline", time.Until(deadline)))
+		}
+		c.logger.Warn("Monetix request failed", fields...)
 		return nil, merrors.Internal("monetix request failed: " + err.Error())
 	}
 	defer resp.Body.Close()
@@ -288,3 +311,23 @@ func clearSignature(req any) (func(string), error) {
 		return nil, merrors.Internal("unsupported monetix payload type for signing")
 	}
 }
+
+func logRequestDeadline(logger *zap.Logger, ctx context.Context, url string) {
+	if logger == nil {
+		return
+	}
+	if ctx == nil {
+		logger.Info("Monetix request context is nil", zap.String("url", url))
+		return
+	}
+	deadline, ok := ctx.Deadline()
+	if !ok {
+		logger.Info("Monetix request context has no deadline", zap.String("url", url))
+		return
+	}
+	logger.Info("Monetix request context deadline",
+		zap.String("url", url),
+		zap.Time("deadline", deadline),
+		zap.Duration("time_until_deadline", time.Until(deadline)),
+	)
+}
--- a/api/gateway/mntx/internal/service/monetix/signature_test.go
+++ b/api/gateway/mntx/internal/service/monetix/signature_test.go
@@ -146,3 +146,66 @@ func TestSignPayload_EthEstimateGasExample(t *testing.T) {
 		t.Fatalf("unexpected signature\nexpected: %s\ngot: %s", expected, got)
 	}
 }
+
+func TestSignPayload_MonetixCallbackExample(t *testing.T) {
+	payload := map[string]any{
+		"customer": map[string]any{
+			"id": "694ece88df756c2672dc6ce8",
+		},
+		"account": map[string]any{
+			"number":       "220070******0161",
+			"type":         "mir",
+			"card_holder":  "STEPHAN",
+			"expiry_month": "03",
+			"expiry_year":  "2030",
+		},
+		"project_id": 157432,
+		"payment": map[string]any{
+			"id":     "6952d0b307d2916aba87d4e8",
+			"type":   "payout",
+			"status": "success",
+			"date":   "2025-12-29T19:04:24+0000",
+			"method": "card",
+			"sum": map[string]any{
+				"amount":   10849,
+				"currency": "RUB",
+			},
+			"description": "",
+		},
+		"operation": map[string]any{
+			"sum_initial": map[string]any{
+				"amount":   10849,
+				"currency": "RUB",
+			},
+			"sum_converted": map[string]any{
+				"amount":   10849,
+				"currency": "RUB",
+			},
+			"code":    "0",
+			"message": "Success",
+			"provider": map[string]any{
+				"id":          26226,
+				"payment_id":  "a3761838-eabc-4c65-aa36-c854c47a226b",
+				"auth_code":   "",
+				"endpoint_id": 26226,
+				"date":        "2025-12-29T19:04:23+0000",
+			},
+			"id":           int64(5089807000008124),
+			"type":         "payout",
+			"status":       "success",
+			"date":         "2025-12-29T19:04:24+0000",
+			"created_date": "2025-12-29T19:04:21+0000",
+			"request_id":   "7c3032f00629c94ad78e399c87da936f1cdc30de-2559ba11d6958d558a9f8ab8c20474d33061c654-05089808",
+		},
+		"signature": "IBgtwCoxhMUxF15q8DLc7orYOIJomeiaNpWs8JHHsdDYPKJsIKn4T+kYavPnKTO+yibhCLNKeL+hk2oWg9wPCQ==",
+	}
+
+	got, err := SignPayload(payload, "1")
+	if err != nil {
+		t.Fatalf("failed to sign payload: %v", err)
+	}
+	expected := "IBgtwCoxhMUxF15q8DLc7orYOIJomeiaNpWs8JHHsdDYPKJsIKn4T+kYavPnKTO+yibhCLNKeL+hk2oWg9wPCQ=="
+	if got != expected {
+		t.Fatalf("unexpected signature\nexpected: %s\ngot: %s", expected, got)
+	}
+}
--- a/api/gateway/tgsettle/.gitignore
+++ b/api/gateway/tgsettle/.gitignore
@@ -0,0 +1 @@
+/mntx-gateway
--- a/api/gateway/tgsettle/config.yml
+++ b/api/gateway/tgsettle/config.yml
@@ -0,0 +1,40 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+grpc:
+  network: tcp
+  address: ":50080"
+  enable_reflection: true
+  enable_health: true
+
+metrics:
+  address: ":9406"
+
+database:
+  driver: mongodb
+  settings:
+    host_env: TGSETTLE_GATEWAY_MONGO_HOST
+    port_env: TGSETTLE_GATEWAY_MONGO_PORT
+    database_env: TGSETTLE_GATEWAY_MONGO_DATABASE
+    user_env: TGSETTLE_GATEWAY_MONGO_USER
+    password_env: TGSETTLE_GATEWAY_MONGO_PASSWORD
+    auth_source_env: TGSETTLE_GATEWAY_MONGO_AUTH_SOURCE
+    replica_set_env: TGSETTLE_GATEWAY_MONGO_REPLICA_SET
+
+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: TGSettle Gateway Service
+    max_reconnects: 10
+    reconnect_wait: 5
+
+gateway:
+  rail: "provider_settlement"
+  target_chat_id_env: TGSETTLE_GATEWAY_CHAT_ID
+  timeout_seconds: 120
+  accepted_user_ids: []
--- a/api/gateway/tgsettle/go.mod
+++ b/api/gateway/tgsettle/go.mod
@@ -0,0 +1,51 @@
+module github.com/tech/sendico/gateway/tgsettle
+
+go 1.25.3
+
+replace github.com/tech/sendico/pkg => ../../pkg
+
+require (
+	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 v1.78.0
+	google.golang.org/protobuf v1.36.11
+	gopkg.in/yaml.v3 v3.0.1
+)
+
+require (
+	github.com/beorn7/perks v1.0.1 // indirect
+	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
+	github.com/casbin/govaluate v1.10.0 // indirect
+	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
+	github.com/cespare/xxhash/v2 v2.3.0 // indirect
+	github.com/go-chi/chi/v5 v5.2.3 // indirect
+	github.com/golang/snappy v1.0.0 // indirect
+	github.com/google/uuid v1.6.0 // indirect
+	github.com/klauspost/compress v1.18.2 // indirect
+	github.com/mattn/go-colorable v0.1.14 // indirect
+	github.com/mattn/go-isatty v0.0.20 // indirect
+	github.com/mitchellh/mapstructure v1.5.0 // indirect
+	github.com/montanaflynn/stats v0.7.1 // indirect
+	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
+	github.com/nats-io/nkeys v0.4.12 // indirect
+	github.com/nats-io/nuid v1.0.1 // indirect
+	github.com/prometheus/client_golang v1.23.2 // indirect
+	github.com/prometheus/client_model v0.6.2 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
+	github.com/prometheus/procfs v0.19.2 // indirect
+	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
+	github.com/xdg-go/scram v1.2.0 // indirect
+	github.com/xdg-go/stringprep v1.0.4 // indirect
+	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
+	go.uber.org/multierr v1.11.0 // indirect
+	go.yaml.in/yaml/v2 v2.4.3 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251222181119-0a764e51fe1b // indirect
+)
--- a/api/gateway/tgsettle/go.sum
+++ b/api/gateway/tgsettle/go.sum
@@ -0,0 +1,225 @@
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--- a/api/gateway/tgsettle/internal/appversion/version.go
+++ b/api/gateway/tgsettle/internal/appversion/version.go
@@ -0,0 +1,27 @@
+package appversion
+
+import (
+	"github.com/tech/sendico/pkg/version"
+	vf "github.com/tech/sendico/pkg/version/factory"
+)
+
+// Build information. Populated at build-time.
+var (
+	Version   string
+	Revision  string
+	Branch    string
+	BuildUser string
+	BuildDate string
+)
+
+func Create() version.Printer {
+	info := version.Info{
+		Program:   "Sendico Payment Gateway Service",
+		Revision:  Revision,
+		Branch:    Branch,
+		BuildUser: BuildUser,
+		BuildDate: BuildDate,
+		Version:   Version,
+	}
+	return vf.Create(&info)
+}
--- a/api/gateway/tgsettle/internal/server/internal/serverimp.go
+++ b/api/gateway/tgsettle/internal/server/internal/serverimp.go
@@ -0,0 +1,136 @@
+package serverimp
+
+import (
+	"context"
+	"os"
+	"time"
+
+	"github.com/tech/sendico/gateway/tgsettle/internal/service/gateway"
+	"github.com/tech/sendico/gateway/tgsettle/storage"
+	gatewaymongo "github.com/tech/sendico/gateway/tgsettle/storage/mongo"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/db"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	mb "github.com/tech/sendico/pkg/messaging/broker"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server/grpcapp"
+	"go.uber.org/zap"
+	"gopkg.in/yaml.v3"
+)
+
+type Imp struct {
+	logger mlogger.Logger
+	file   string
+	debug  bool
+
+	config  *config
+	app     *grpcapp.App[storage.Repository]
+	service *gateway.Service
+}
+
+type config struct {
+	*grpcapp.Config `yaml:",inline"`
+	Gateway         gatewayConfig `yaml:"gateway"`
+}
+
+type gatewayConfig struct {
+	Rail              string   `yaml:"rail"`
+	TargetChatIDEnv   string   `yaml:"target_chat_id_env"`
+	TimeoutSeconds    int32    `yaml:"timeout_seconds"`
+	AcceptedUserIDs   []string `yaml:"accepted_user_ids"`
+}
+
+func Create(logger mlogger.Logger, file string, debug bool) (*Imp, error) {
+	return &Imp{
+		logger: logger.Named("server"),
+		file:   file,
+		debug:  debug,
+	}, nil
+}
+
+func (i *Imp) Shutdown() {
+	if i.app == nil {
+		return
+	}
+	timeout := 15 * time.Second
+	if i.config != nil && i.config.Runtime != nil {
+		timeout = i.config.Runtime.ShutdownTimeout()
+	}
+	if i.service != nil {
+		i.service.Shutdown()
+	}
+	ctx, cancel := context.WithTimeout(context.Background(), timeout)
+	defer cancel()
+	i.app.Shutdown(ctx)
+}
+
+func (i *Imp) Start() error {
+	cfg, err := i.loadConfig()
+	if err != nil {
+		return err
+	}
+	i.config = cfg
+
+	var broker mb.Broker
+	if cfg.Messaging != nil && cfg.Messaging.Driver != "" {
+		broker, err = msg.CreateMessagingBroker(i.logger, cfg.Messaging)
+		if err != nil {
+			i.logger.Warn("Failed to create messaging broker", zap.Error(err))
+		}
+	}
+
+	repoFactory := func(logger mlogger.Logger, conn *db.MongoConnection) (storage.Repository, error) {
+		return gatewaymongo.New(logger, conn)
+	}
+
+	serviceFactory := func(logger mlogger.Logger, repo storage.Repository, producer msg.Producer) (grpcapp.Service, error) {
+		gwCfg := gateway.Config{
+			Rail:            cfg.Gateway.Rail,
+			TargetChatIDEnv: cfg.Gateway.TargetChatIDEnv,
+			TimeoutSeconds:  cfg.Gateway.TimeoutSeconds,
+			AcceptedUserIDs: cfg.Gateway.AcceptedUserIDs,
+		}
+		svc := gateway.NewService(logger, repo, producer, broker, gwCfg)
+		i.service = svc
+		return svc, nil
+	}
+
+	app, err := grpcapp.NewApp(i.logger, "tgsettle_gateway", cfg.Config, i.debug, repoFactory, serviceFactory)
+	if err != nil {
+		return err
+	}
+	i.app = app
+	return i.app.Start()
+}
+
+func (i *Imp) loadConfig() (*config, error) {
+	data, err := os.ReadFile(i.file)
+	if err != nil {
+		i.logger.Error("Could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
+		return nil, err
+	}
+	cfg := &config{Config: &grpcapp.Config{}}
+	if err := yaml.Unmarshal(data, cfg); err != nil {
+		i.logger.Error("Failed to parse configuration", zap.Error(err))
+		return nil, err
+	}
+	if cfg.Runtime == nil {
+		cfg.Runtime = &grpcapp.RuntimeConfig{ShutdownTimeoutSeconds: 15}
+	}
+	if cfg.GRPC == nil {
+		cfg.GRPC = &routers.GRPCConfig{
+			Network:          "tcp",
+			Address:          ":50080",
+			EnableReflection: true,
+			EnableHealth:     true,
+		}
+	}
+	if cfg.Metrics == nil {
+		cfg.Metrics = &grpcapp.MetricsConfig{Address: ":9406"}
+	}
+	if cfg.Gateway.Rail == "" {
+		return nil, merrors.InvalidArgument("gateway rail is required", "gateway.rail")
+	}
+	return cfg, nil
+}
--- a/api/gateway/tgsettle/internal/server/server.go
+++ b/api/gateway/tgsettle/internal/server/server.go
@@ -0,0 +1,11 @@
+package server
+
+import (
+	serverimp "github.com/tech/sendico/gateway/tgsettle/internal/server/internal"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+)
+
+func Create(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return serverimp.Create(logger, file, debug)
+}
--- a/api/gateway/tgsettle/internal/service/gateway/connector.go
+++ b/api/gateway/tgsettle/internal/service/gateway/connector.go
@@ -0,0 +1,253 @@
+package gateway
+
+import (
+	"context"
+	"errors"
+	"strings"
+
+	"github.com/tech/sendico/pkg/connector/params"
+	"github.com/tech/sendico/pkg/merrors"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+)
+
+const tgsettleConnectorID = "tgsettle"
+
+func (s *Service) GetCapabilities(_ context.Context, _ *connectorv1.GetCapabilitiesRequest) (*connectorv1.GetCapabilitiesResponse, error) {
+	return &connectorv1.GetCapabilitiesResponse{
+		Capabilities: &connectorv1.ConnectorCapabilities{
+			ConnectorType:          tgsettleConnectorID,
+			Version:                "",
+			SupportedAccountKinds:  nil,
+			SupportedOperationTypes: []connectorv1.OperationType{connectorv1.OperationType_TRANSFER},
+			OperationParams:         tgsettleOperationParams(),
+		},
+	}, nil
+}
+
+func (s *Service) OpenAccount(_ context.Context, _ *connectorv1.OpenAccountRequest) (*connectorv1.OpenAccountResponse, error) {
+	return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND, "open_account: unsupported", nil, "")}, nil
+}
+
+func (s *Service) GetAccount(_ context.Context, _ *connectorv1.GetAccountRequest) (*connectorv1.GetAccountResponse, error) {
+	return nil, merrors.NotImplemented("get_account: unsupported")
+}
+
+func (s *Service) ListAccounts(_ context.Context, _ *connectorv1.ListAccountsRequest) (*connectorv1.ListAccountsResponse, error) {
+	return nil, merrors.NotImplemented("list_accounts: unsupported")
+}
+
+func (s *Service) GetBalance(_ context.Context, _ *connectorv1.GetBalanceRequest) (*connectorv1.GetBalanceResponse, error) {
+	return nil, merrors.NotImplemented("get_balance: unsupported")
+}
+
+func (s *Service) SubmitOperation(ctx context.Context, req *connectorv1.SubmitOperationRequest) (*connectorv1.SubmitOperationResponse, error) {
+	if req == nil || req.GetOperation() == nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: operation is required", nil, "")}}, nil
+	}
+	op := req.GetOperation()
+	if strings.TrimSpace(op.GetIdempotencyKey()) == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: idempotency_key is required", op, "")}}, nil
+	}
+	if op.GetType() != connectorv1.OperationType_TRANSFER {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_OPERATION, "submit_operation: unsupported operation type", op, "")}}, nil
+	}
+	reader := params.New(op.GetParams())
+	paymentIntentID := strings.TrimSpace(reader.String("payment_intent_id"))
+	if paymentIntentID == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: payment_intent_id is required", op, "")}}, nil
+	}
+	source := operationAccountID(op.GetFrom())
+	if source == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "transfer: from.account is required", op, "")}}, nil
+	}
+	dest, err := transferDestinationFromOperation(op)
+	if err != nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+	}
+	amount := op.GetMoney()
+	if amount == nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "transfer: money is required", op, "")}}, nil
+	}
+
+	metadata := reader.StringMap("metadata")
+	if metadata == nil {
+		metadata = map[string]string{}
+	}
+	metadata[metadataPaymentIntentID] = paymentIntentID
+	if quoteRef := strings.TrimSpace(reader.String("quote_ref")); quoteRef != "" {
+		metadata[metadataQuoteRef] = quoteRef
+	}
+	if targetChatID := strings.TrimSpace(reader.String("target_chat_id")); targetChatID != "" {
+		metadata[metadataTargetChatID] = targetChatID
+	}
+	if outgoingLeg := strings.TrimSpace(reader.String("outgoing_leg")); outgoingLeg != "" {
+		metadata[metadataOutgoingLeg] = outgoingLeg
+	}
+
+	resp, err := s.SubmitTransfer(ctx, &chainv1.SubmitTransferRequest{
+		IdempotencyKey:  strings.TrimSpace(op.GetIdempotencyKey()),
+		OrganizationRef: strings.TrimSpace(reader.String("organization_ref")),
+		SourceWalletRef: source,
+		Destination:     dest,
+		Amount:          normalizeMoneyForTransfer(amount),
+		Metadata:        metadata,
+		ClientReference: paymentIntentID,
+	})
+	if err != nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+	}
+	transfer := resp.GetTransfer()
+	return &connectorv1.SubmitOperationResponse{
+		Receipt: &connectorv1.OperationReceipt{
+			OperationId: strings.TrimSpace(transfer.GetTransferRef()),
+			Status:      transferStatusToOperation(transfer.GetStatus()),
+			ProviderRef: strings.TrimSpace(transfer.GetTransferRef()),
+		},
+	}, nil
+}
+
+func (s *Service) GetOperation(ctx context.Context, req *connectorv1.GetOperationRequest) (*connectorv1.GetOperationResponse, error) {
+	if req == nil || strings.TrimSpace(req.GetOperationId()) == "" {
+		return nil, merrors.InvalidArgument("get_operation: operation_id is required")
+	}
+	resp, err := s.GetTransfer(ctx, &chainv1.GetTransferRequest{TransferRef: strings.TrimSpace(req.GetOperationId())})
+	if err != nil {
+		return nil, err
+	}
+	return &connectorv1.GetOperationResponse{Operation: transferToOperation(resp.GetTransfer())}, nil
+}
+
+func (s *Service) ListOperations(_ context.Context, _ *connectorv1.ListOperationsRequest) (*connectorv1.ListOperationsResponse, error) {
+	return nil, merrors.NotImplemented("list_operations: unsupported")
+}
+
+func tgsettleOperationParams() []*connectorv1.OperationParamSpec {
+	return []*connectorv1.OperationParamSpec{
+		{OperationType: connectorv1.OperationType_TRANSFER, Params: []*connectorv1.ParamSpec{
+			{Key: "payment_intent_id", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "organization_ref", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "quote_ref", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "target_chat_id", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "outgoing_leg", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false},
+		}},
+	}
+}
+
+func transferDestinationFromOperation(op *connectorv1.Operation) (*chainv1.TransferDestination, error) {
+	if op == nil {
+		return nil, merrors.InvalidArgument("transfer: operation is required")
+	}
+	if to := op.GetTo(); to != nil {
+		if account := to.GetAccount(); account != nil {
+			return &chainv1.TransferDestination{Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: strings.TrimSpace(account.GetAccountId())}}, nil
+		}
+		if ext := to.GetExternal(); ext != nil {
+			return &chainv1.TransferDestination{Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(ext.GetExternalRef())}}, nil
+		}
+	}
+	return nil, merrors.InvalidArgument("transfer: to.account or to.external is required")
+}
+
+func normalizeMoneyForTransfer(m *moneyv1.Money) *moneyv1.Money {
+	if m == nil {
+		return nil
+	}
+	currency := strings.TrimSpace(m.GetCurrency())
+	if idx := strings.Index(currency, "-"); idx > 0 {
+		currency = currency[:idx]
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(m.GetAmount()),
+		Currency: currency,
+	}
+}
+
+func transferToOperation(transfer *chainv1.Transfer) *connectorv1.Operation {
+	if transfer == nil {
+		return nil
+	}
+	op := &connectorv1.Operation{
+		OperationId: strings.TrimSpace(transfer.GetTransferRef()),
+		Type:        connectorv1.OperationType_TRANSFER,
+		Status:      transferStatusToOperation(transfer.GetStatus()),
+		Money:       transfer.GetRequestedAmount(),
+		ProviderRef: strings.TrimSpace(transfer.GetTransferRef()),
+		CreatedAt:   transfer.GetCreatedAt(),
+		UpdatedAt:   transfer.GetUpdatedAt(),
+	}
+	if source := strings.TrimSpace(transfer.GetSourceWalletRef()); source != "" {
+		op.From = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{
+			ConnectorId: tgsettleConnectorID,
+			AccountId:   source,
+		}}}
+	}
+	if dest := transfer.GetDestination(); dest != nil {
+		switch d := dest.GetDestination().(type) {
+		case *chainv1.TransferDestination_ManagedWalletRef:
+			op.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{
+				ConnectorId: tgsettleConnectorID,
+				AccountId:   strings.TrimSpace(d.ManagedWalletRef),
+			}}}
+		case *chainv1.TransferDestination_ExternalAddress:
+			op.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_External{External: &connectorv1.ExternalRef{
+				ExternalRef: strings.TrimSpace(d.ExternalAddress),
+			}}}
+		}
+	}
+	return op
+}
+
+func transferStatusToOperation(status chainv1.TransferStatus) connectorv1.OperationStatus {
+	switch status {
+	case chainv1.TransferStatus_TRANSFER_CONFIRMED:
+		return connectorv1.OperationStatus_CONFIRMED
+	case chainv1.TransferStatus_TRANSFER_FAILED:
+		return connectorv1.OperationStatus_FAILED
+	case chainv1.TransferStatus_TRANSFER_CANCELLED:
+		return connectorv1.OperationStatus_CANCELED
+	default:
+		return connectorv1.OperationStatus_PENDING
+	}
+}
+
+func operationAccountID(party *connectorv1.OperationParty) string {
+	if party == nil {
+		return ""
+	}
+	if account := party.GetAccount(); account != nil {
+		return strings.TrimSpace(account.GetAccountId())
+	}
+	return ""
+}
+
+func connectorError(code connectorv1.ErrorCode, message string, op *connectorv1.Operation, accountID string) *connectorv1.ConnectorError {
+	err := &connectorv1.ConnectorError{
+		Code:      code,
+		Message:   strings.TrimSpace(message),
+		AccountId: strings.TrimSpace(accountID),
+	}
+	if op != nil {
+		err.CorrelationId = strings.TrimSpace(op.GetCorrelationId())
+		err.ParentIntentId = strings.TrimSpace(op.GetParentIntentId())
+		err.OperationId = strings.TrimSpace(op.GetOperationId())
+	}
+	return err
+}
+
+func mapErrorCode(err error) connectorv1.ErrorCode {
+	switch {
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return connectorv1.ErrorCode_INVALID_PARAMS
+	case errors.Is(err, merrors.ErrNoData):
+		return connectorv1.ErrorCode_NOT_FOUND
+	case errors.Is(err, merrors.ErrNotImplemented):
+		return connectorv1.ErrorCode_UNSUPPORTED_OPERATION
+	case errors.Is(err, merrors.ErrInternal):
+		return connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE
+	default:
+		return connectorv1.ErrorCode_PROVIDER_ERROR
+	}
+}
--- a/api/gateway/tgsettle/internal/service/gateway/service.go
+++ b/api/gateway/tgsettle/internal/service/gateway/service.go
@@ -0,0 +1,541 @@
+package gateway
+
+import (
+	"context"
+	"os"
+	"strings"
+	"sync"
+
+	"github.com/tech/sendico/gateway/tgsettle/storage"
+	storagemodel "github.com/tech/sendico/gateway/tgsettle/storage/model"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/discovery"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	mb "github.com/tech/sendico/pkg/messaging/broker"
+	cons "github.com/tech/sendico/pkg/messaging/consumer"
+	confirmations "github.com/tech/sendico/pkg/messaging/notifications/confirmations"
+	paymentgateway "github.com/tech/sendico/pkg/messaging/notifications/paymentgateway"
+	np "github.com/tech/sendico/pkg/messaging/notifications/processor"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
+	"github.com/tech/sendico/pkg/mservice"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	"github.com/tech/sendico/pkg/server/grpcapp"
+	"go.uber.org/zap"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/codes"
+	"google.golang.org/grpc/status"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+const (
+	defaultConfirmationTimeoutSeconds = 120
+	executedStatus                    = "executed"
+)
+
+const (
+	metadataPaymentIntentID = "payment_intent_id"
+	metadataQuoteRef        = "quote_ref"
+	metadataTargetChatID    = "target_chat_id"
+	metadataOutgoingLeg     = "outgoing_leg"
+)
+
+type Config struct {
+	Rail            string
+	TargetChatIDEnv string
+	TimeoutSeconds  int32
+	AcceptedUserIDs []string
+}
+
+type Service struct {
+	logger    mlogger.Logger
+	repo      storage.Repository
+	producer  msg.Producer
+	broker    mb.Broker
+	cfg       Config
+	rail      string
+	chatID    string
+	announcer *discovery.Announcer
+
+	mu        sync.Mutex
+	pending   map[string]*model.PaymentGatewayIntent
+	consumers []msg.Consumer
+
+	connectorv1.UnimplementedConnectorServiceServer
+}
+
+func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Producer, broker mb.Broker, cfg Config) *Service {
+	if logger != nil {
+		logger = logger.Named("tgsettle_gateway")
+	}
+	svc := &Service{
+		logger:   logger,
+		repo:     repo,
+		producer: producer,
+		broker:   broker,
+		cfg:      cfg,
+		rail:     strings.TrimSpace(cfg.Rail),
+		pending:  map[string]*model.PaymentGatewayIntent{},
+	}
+	svc.chatID = strings.TrimSpace(readEnv(cfg.TargetChatIDEnv))
+	svc.startConsumers()
+	svc.startAnnouncer()
+	return svc
+}
+
+func (s *Service) Register(router routers.GRPC) error {
+	return router.Register(func(reg grpc.ServiceRegistrar) {
+		connectorv1.RegisterConnectorServiceServer(reg, s)
+	})
+}
+
+func (s *Service) Shutdown() {
+	if s == nil {
+		return
+	}
+	if s.announcer != nil {
+		s.announcer.Stop()
+	}
+	for _, consumer := range s.consumers {
+		if consumer != nil {
+			consumer.Close()
+		}
+	}
+}
+
+func (s *Service) startConsumers() {
+	if s == nil || s.broker == nil {
+		if s != nil && s.logger != nil {
+			s.logger.Warn("Messaging broker not configured; confirmation flow disabled")
+		}
+		return
+	}
+	resultProcessor := confirmations.NewConfirmationResultProcessor(s.logger, string(mservice.PaymentGateway), s.rail, s.onConfirmationResult)
+	s.consumeProcessor(resultProcessor)
+}
+
+func (s *Service) consumeProcessor(processor np.EnvelopeProcessor) {
+	consumer, err := cons.NewConsumer(s.logger, s.broker, processor.GetSubject())
+	if err != nil {
+		s.logger.Warn("Failed to create messaging consumer", zap.Error(err), zap.String("event", processor.GetSubject().ToString()))
+		return
+	}
+	s.consumers = append(s.consumers, consumer)
+	go func() {
+		if err := consumer.ConsumeMessages(processor.Process); err != nil {
+			s.logger.Warn("Messaging consumer stopped", zap.Error(err), zap.String("event", processor.GetSubject().ToString()))
+		}
+	}()
+}
+
+func (s *Service) SubmitTransfer(ctx context.Context, req *chainv1.SubmitTransferRequest) (*chainv1.SubmitTransferResponse, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("submit_transfer: request is required")
+	}
+	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
+	if idempotencyKey == "" {
+		return nil, merrors.InvalidArgument("submit_transfer: idempotency_key is required")
+	}
+	amount := req.GetAmount()
+	if amount == nil || strings.TrimSpace(amount.GetAmount()) == "" || strings.TrimSpace(amount.GetCurrency()) == "" {
+		return nil, merrors.InvalidArgument("submit_transfer: amount is required")
+	}
+	intent, err := intentFromSubmitTransfer(req, s.rail, s.chatID)
+	if err != nil {
+		return nil, err
+	}
+	if s.repo == nil || s.repo.Payments() == nil {
+		return nil, merrors.Internal("payment gateway storage unavailable")
+	}
+	existing, err := s.repo.Payments().FindByIdempotencyKey(ctx, idempotencyKey)
+	if err != nil {
+		return nil, err
+	}
+	if existing != nil {
+		return &chainv1.SubmitTransferResponse{Transfer: transferFromExecution(existing, req)}, nil
+	}
+	if err := s.onIntent(ctx, intent); err != nil {
+		return nil, err
+	}
+	return &chainv1.SubmitTransferResponse{Transfer: transferFromRequest(req)}, nil
+}
+
+func (s *Service) GetTransfer(ctx context.Context, req *chainv1.GetTransferRequest) (*chainv1.GetTransferResponse, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("get_transfer: request is required")
+	}
+	transferRef := strings.TrimSpace(req.GetTransferRef())
+	if transferRef == "" {
+		return nil, merrors.InvalidArgument("get_transfer: transfer_ref is required")
+	}
+	if s.repo == nil || s.repo.Payments() == nil {
+		return nil, merrors.Internal("payment gateway storage unavailable")
+	}
+	existing, err := s.repo.Payments().FindByIdempotencyKey(ctx, transferRef)
+	if err != nil {
+		return nil, err
+	}
+	if existing != nil {
+		return &chainv1.GetTransferResponse{Transfer: transferFromExecution(existing, nil)}, nil
+	}
+	if s.hasPending(transferRef) {
+		return &chainv1.GetTransferResponse{Transfer: transferPending(transferRef)}, nil
+	}
+	return nil, status.Error(codes.NotFound, "transfer not found")
+}
+
+func (s *Service) onIntent(ctx context.Context, intent *model.PaymentGatewayIntent) error {
+	if intent == nil {
+		return merrors.InvalidArgument("payment gateway intent is nil", "intent")
+	}
+	intent = normalizeIntent(intent)
+	if intent.IdempotencyKey == "" {
+		return merrors.InvalidArgument("idempotency_key is required", "idempotency_key")
+	}
+	if intent.PaymentIntentID == "" {
+		return merrors.InvalidArgument("payment_intent_id is required", "payment_intent_id")
+	}
+	if intent.RequestedMoney == nil || strings.TrimSpace(intent.RequestedMoney.Amount) == "" || strings.TrimSpace(intent.RequestedMoney.Currency) == "" {
+		return merrors.InvalidArgument("requested_money is required", "requested_money")
+	}
+	if s.repo == nil || s.repo.Payments() == nil {
+		return merrors.Internal("payment gateway storage unavailable")
+	}
+
+	existing, err := s.repo.Payments().FindByIdempotencyKey(ctx, intent.IdempotencyKey)
+	if err != nil {
+		return err
+	}
+	if existing != nil {
+		s.logger.Info("Payment gateway intent already executed", zap.String("idempotency_key", intent.IdempotencyKey))
+		return nil
+	}
+
+	confirmReq, err := s.buildConfirmationRequest(intent)
+	if err != nil {
+		return err
+	}
+	if err := s.sendConfirmationRequest(confirmReq); err != nil {
+		return err
+	}
+	s.trackIntent(confirmReq.RequestID, intent)
+	return nil
+}
+
+func (s *Service) onConfirmationResult(ctx context.Context, result *model.ConfirmationResult) error {
+	if result == nil {
+		return merrors.InvalidArgument("confirmation result is nil", "result")
+	}
+	requestID := strings.TrimSpace(result.RequestID)
+	if requestID == "" {
+		return merrors.InvalidArgument("confirmation request_id is required", "request_id")
+	}
+	intent := s.lookupIntent(requestID)
+	if intent == nil {
+		s.logger.Warn("Confirmation result ignored: intent not found", zap.String("request_id", requestID))
+		return nil
+	}
+
+	if result.RawReply != nil && s.repo != nil && s.repo.TelegramConfirmations() != nil {
+		_ = s.repo.TelegramConfirmations().Upsert(ctx, &storagemodel.TelegramConfirmation{
+			RequestID:       requestID,
+			PaymentIntentID: intent.PaymentIntentID,
+			QuoteRef:        intent.QuoteRef,
+			RawReply:        result.RawReply,
+		})
+	}
+
+	if result.Status == model.ConfirmationStatusConfirmed || result.Status == model.ConfirmationStatusClarified {
+		exec := &storagemodel.PaymentExecution{
+			IdempotencyKey:  intent.IdempotencyKey,
+			PaymentIntentID: intent.PaymentIntentID,
+			ExecutedMoney:   result.Money,
+			QuoteRef:        intent.QuoteRef,
+			Status:          executedStatus,
+		}
+		if err := s.repo.Payments().InsertExecution(ctx, exec); err != nil && err != storage.ErrDuplicate {
+			return err
+		}
+	}
+
+	s.publishExecution(intent, result)
+	s.removeIntent(requestID)
+	return nil
+}
+
+func (s *Service) buildConfirmationRequest(intent *model.PaymentGatewayIntent) (*model.ConfirmationRequest, error) {
+	targetChatID := strings.TrimSpace(intent.TargetChatID)
+	if targetChatID == "" {
+		targetChatID = s.chatID
+	}
+	if targetChatID == "" {
+		return nil, merrors.InvalidArgument("target_chat_id is required", "target_chat_id")
+	}
+	rail := strings.TrimSpace(intent.OutgoingLeg)
+	if rail == "" {
+		rail = s.rail
+	}
+	timeout := s.cfg.TimeoutSeconds
+	if timeout <= 0 {
+		timeout = int32(defaultConfirmationTimeoutSeconds)
+	}
+	return &model.ConfirmationRequest{
+		RequestID:       intent.IdempotencyKey,
+		TargetChatID:    targetChatID,
+		RequestedMoney:  intent.RequestedMoney,
+		PaymentIntentID: intent.PaymentIntentID,
+		QuoteRef:        intent.QuoteRef,
+		AcceptedUserIDs: s.cfg.AcceptedUserIDs,
+		TimeoutSeconds:  timeout,
+		SourceService:   string(mservice.PaymentGateway),
+		Rail:            rail,
+	}, nil
+}
+
+func (s *Service) sendConfirmationRequest(request *model.ConfirmationRequest) error {
+	if request == nil {
+		return merrors.InvalidArgument("confirmation request is nil", "request")
+	}
+	if s.producer == nil {
+		return merrors.Internal("messaging producer is not configured")
+	}
+	env := confirmations.ConfirmationRequest(string(mservice.PaymentGateway), request)
+	if err := s.producer.SendMessage(env); err != nil {
+		s.logger.Warn("Failed to publish confirmation request", zap.Error(err), zap.String("request_id", request.RequestID))
+		return err
+	}
+	return nil
+}
+
+func (s *Service) publishExecution(intent *model.PaymentGatewayIntent, result *model.ConfirmationResult) {
+	if s == nil || intent == nil || result == nil || s.producer == nil {
+		return
+	}
+	exec := &model.PaymentGatewayExecution{
+		PaymentIntentID: intent.PaymentIntentID,
+		IdempotencyKey:  intent.IdempotencyKey,
+		QuoteRef:        intent.QuoteRef,
+		ExecutedMoney:   result.Money,
+		Status:          result.Status,
+		RequestID:       result.RequestID,
+		RawReply:        result.RawReply,
+	}
+	env := paymentgateway.PaymentGatewayExecution(string(mservice.PaymentGateway), exec)
+	if err := s.producer.SendMessage(env); err != nil {
+		s.logger.Warn("Failed to publish gateway execution result", zap.Error(err), zap.String("request_id", result.RequestID))
+	}
+}
+
+func (s *Service) trackIntent(requestID string, intent *model.PaymentGatewayIntent) {
+	if s == nil || intent == nil {
+		return
+	}
+	requestID = strings.TrimSpace(requestID)
+	if requestID == "" {
+		return
+	}
+	s.mu.Lock()
+	s.pending[requestID] = intent
+	s.mu.Unlock()
+}
+
+func (s *Service) lookupIntent(requestID string) *model.PaymentGatewayIntent {
+	requestID = strings.TrimSpace(requestID)
+	if requestID == "" {
+		return nil
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	return s.pending[requestID]
+}
+
+func (s *Service) removeIntent(requestID string) {
+	requestID = strings.TrimSpace(requestID)
+	if requestID == "" {
+		return
+	}
+	s.mu.Lock()
+	delete(s.pending, requestID)
+	s.mu.Unlock()
+}
+
+func (s *Service) hasPending(requestID string) bool {
+	requestID = strings.TrimSpace(requestID)
+	if requestID == "" {
+		return false
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	_, ok := s.pending[requestID]
+	return ok
+}
+
+func (s *Service) startAnnouncer() {
+	if s == nil || s.producer == nil {
+		return
+	}
+	caps := []string{"telegram_confirmation", "money_persistence", "observe.confirm", "payout.fiat"}
+	if s.rail != "" {
+		caps = append(caps, "confirmations."+strings.ToLower(string(mservice.PaymentGateway))+"."+strings.ToLower(s.rail))
+	}
+	announce := discovery.Announcement{
+		Service:    string(mservice.PaymentGateway),
+		Rail:       s.rail,
+		Operations: caps,
+		InvokeURI:  discovery.DefaultInvokeURI(string(mservice.PaymentGateway)),
+	}
+	s.announcer = discovery.NewAnnouncer(s.logger, s.producer, string(mservice.PaymentGateway), announce)
+	s.announcer.Start()
+}
+
+func normalizeIntent(intent *model.PaymentGatewayIntent) *model.PaymentGatewayIntent {
+	if intent == nil {
+		return nil
+	}
+	cp := *intent
+	cp.PaymentIntentID = strings.TrimSpace(cp.PaymentIntentID)
+	cp.IdempotencyKey = strings.TrimSpace(cp.IdempotencyKey)
+	cp.OutgoingLeg = strings.TrimSpace(cp.OutgoingLeg)
+	cp.QuoteRef = strings.TrimSpace(cp.QuoteRef)
+	cp.TargetChatID = strings.TrimSpace(cp.TargetChatID)
+	if cp.RequestedMoney != nil {
+		cp.RequestedMoney.Amount = strings.TrimSpace(cp.RequestedMoney.Amount)
+		cp.RequestedMoney.Currency = strings.TrimSpace(cp.RequestedMoney.Currency)
+	}
+	return &cp
+}
+
+func intentFromSubmitTransfer(req *chainv1.SubmitTransferRequest, defaultRail, defaultChatID string) (*model.PaymentGatewayIntent, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("submit_transfer: request is required")
+	}
+	idempotencyKey := strings.TrimSpace(req.GetIdempotencyKey())
+	if idempotencyKey == "" {
+		return nil, merrors.InvalidArgument("submit_transfer: idempotency_key is required")
+	}
+	amount := req.GetAmount()
+	if amount == nil {
+		return nil, merrors.InvalidArgument("submit_transfer: amount is required")
+	}
+	requestedMoney := &paymenttypes.Money{
+		Amount:   strings.TrimSpace(amount.GetAmount()),
+		Currency: strings.TrimSpace(amount.GetCurrency()),
+	}
+	if requestedMoney.Amount == "" || requestedMoney.Currency == "" {
+		return nil, merrors.InvalidArgument("submit_transfer: amount is required")
+	}
+	metadata := req.GetMetadata()
+	paymentIntentID := strings.TrimSpace(req.GetClientReference())
+	if paymentIntentID == "" {
+		paymentIntentID = strings.TrimSpace(metadata[metadataPaymentIntentID])
+	}
+	if paymentIntentID == "" {
+		return nil, merrors.InvalidArgument("submit_transfer: payment_intent_id is required")
+	}
+	quoteRef := strings.TrimSpace(metadata[metadataQuoteRef])
+	targetChatID := strings.TrimSpace(metadata[metadataTargetChatID])
+	outgoingLeg := strings.TrimSpace(metadata[metadataOutgoingLeg])
+	if outgoingLeg == "" {
+		outgoingLeg = strings.TrimSpace(defaultRail)
+	}
+	if targetChatID == "" {
+		targetChatID = strings.TrimSpace(defaultChatID)
+	}
+	return &model.PaymentGatewayIntent{
+		PaymentIntentID: paymentIntentID,
+		IdempotencyKey:  idempotencyKey,
+		OutgoingLeg:     outgoingLeg,
+		QuoteRef:        quoteRef,
+		RequestedMoney:  requestedMoney,
+		TargetChatID:    targetChatID,
+	}, nil
+}
+
+func transferFromRequest(req *chainv1.SubmitTransferRequest) *chainv1.Transfer {
+	if req == nil {
+		return nil
+	}
+	amount := req.GetAmount()
+	return &chainv1.Transfer{
+		TransferRef:     strings.TrimSpace(req.GetIdempotencyKey()),
+		IdempotencyKey:  strings.TrimSpace(req.GetIdempotencyKey()),
+		OrganizationRef: strings.TrimSpace(req.GetOrganizationRef()),
+		SourceWalletRef: strings.TrimSpace(req.GetSourceWalletRef()),
+		Destination:     req.GetDestination(),
+		RequestedAmount: amount,
+		Status:          chainv1.TransferStatus_TRANSFER_SUBMITTED,
+	}
+}
+
+func transferFromExecution(exec *storagemodel.PaymentExecution, req *chainv1.SubmitTransferRequest) *chainv1.Transfer {
+	if exec == nil {
+		return nil
+	}
+	var requested *moneyv1.Money
+	if req != nil && req.GetAmount() != nil {
+		requested = req.GetAmount()
+	}
+	net := moneyFromPayment(exec.ExecutedMoney)
+	status := chainv1.TransferStatus_TRANSFER_CONFIRMED
+	if strings.TrimSpace(exec.Status) != "" && !strings.EqualFold(exec.Status, executedStatus) {
+		status = chainv1.TransferStatus_TRANSFER_PENDING
+	}
+	transfer := &chainv1.Transfer{
+		TransferRef:     strings.TrimSpace(exec.IdempotencyKey),
+		IdempotencyKey:  strings.TrimSpace(exec.IdempotencyKey),
+		RequestedAmount: requested,
+		NetAmount:       net,
+		Status:          status,
+	}
+	if req != nil {
+		transfer.OrganizationRef = strings.TrimSpace(req.GetOrganizationRef())
+		transfer.SourceWalletRef = strings.TrimSpace(req.GetSourceWalletRef())
+		transfer.Destination = req.GetDestination()
+	}
+	if !exec.ExecutedAt.IsZero() {
+		ts := timestamppb.New(exec.ExecutedAt)
+		transfer.CreatedAt = ts
+		transfer.UpdatedAt = ts
+	}
+	return transfer
+}
+
+func transferPending(requestID string) *chainv1.Transfer {
+	ref := strings.TrimSpace(requestID)
+	if ref == "" {
+		return nil
+	}
+	return &chainv1.Transfer{
+		TransferRef:    ref,
+		IdempotencyKey: ref,
+		Status:         chainv1.TransferStatus_TRANSFER_SUBMITTED,
+	}
+}
+
+func moneyFromPayment(m *paymenttypes.Money) *moneyv1.Money {
+	if m == nil {
+		return nil
+	}
+	currency := strings.TrimSpace(m.Currency)
+	amount := strings.TrimSpace(m.Amount)
+	if currency == "" || amount == "" {
+		return nil
+	}
+	return &moneyv1.Money{
+		Currency: currency,
+		Amount:   amount,
+	}
+}
+
+func readEnv(env string) string {
+	if strings.TrimSpace(env) == "" {
+		return ""
+	}
+	return strings.TrimSpace(os.Getenv(env))
+}
+
+var _ grpcapp.Service = (*Service)(nil)
--- a/api/gateway/tgsettle/internal/service/gateway/service_test.go
+++ b/api/gateway/tgsettle/internal/service/gateway/service_test.go
@@ -0,0 +1,289 @@
+package gateway
+
+import (
+	"context"
+	"encoding/json"
+	"sync"
+	"testing"
+
+	"github.com/tech/sendico/gateway/tgsettle/storage"
+	storagemodel "github.com/tech/sendico/gateway/tgsettle/storage/model"
+	envelope "github.com/tech/sendico/pkg/messaging/envelope"
+	"github.com/tech/sendico/pkg/model"
+	notification "github.com/tech/sendico/pkg/model/notification"
+	"github.com/tech/sendico/pkg/mservice"
+	mloggerfactory "github.com/tech/sendico/pkg/mlogger/factory"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+)
+
+type fakePaymentsStore struct {
+	mu         sync.Mutex
+	executions map[string]*storagemodel.PaymentExecution
+}
+
+func (f *fakePaymentsStore) FindByIdempotencyKey(_ context.Context, key string) (*storagemodel.PaymentExecution, error) {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	return f.executions[key], nil
+}
+
+func (f *fakePaymentsStore) InsertExecution(_ context.Context, exec *storagemodel.PaymentExecution) error {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if f.executions == nil {
+		f.executions = map[string]*storagemodel.PaymentExecution{}
+	}
+	if _, ok := f.executions[exec.IdempotencyKey]; ok {
+		return storage.ErrDuplicate
+	}
+	f.executions[exec.IdempotencyKey] = exec
+	return nil
+}
+
+type fakeTelegramStore struct {
+	mu      sync.Mutex
+	records map[string]*storagemodel.TelegramConfirmation
+}
+
+func (f *fakeTelegramStore) Upsert(_ context.Context, record *storagemodel.TelegramConfirmation) error {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if f.records == nil {
+		f.records = map[string]*storagemodel.TelegramConfirmation{}
+	}
+	f.records[record.RequestID] = record
+	return nil
+}
+
+type fakeRepo struct {
+	payments *fakePaymentsStore
+	tg       *fakeTelegramStore
+}
+
+func (f *fakeRepo) Payments() storage.PaymentsStore {
+	return f.payments
+}
+
+func (f *fakeRepo) TelegramConfirmations() storage.TelegramConfirmationsStore {
+	return f.tg
+}
+
+type captureProducer struct {
+	mu                   sync.Mutex
+	confirmationRequests []*model.ConfirmationRequest
+	executions           []*model.PaymentGatewayExecution
+}
+
+func (c *captureProducer) SendMessage(env envelope.Envelope) error {
+	_, _ = env.Serialize()
+	switch env.GetSignature().ToString() {
+	case model.NewNotification(mservice.Notifications, notification.NAConfirmationRequest).ToString():
+		var req model.ConfirmationRequest
+		if err := json.Unmarshal(env.GetData(), &req); err == nil {
+			c.mu.Lock()
+			c.confirmationRequests = append(c.confirmationRequests, &req)
+			c.mu.Unlock()
+		}
+	case model.NewNotification(mservice.PaymentGateway, notification.NAPaymentGatewayExecution).ToString():
+		var exec model.PaymentGatewayExecution
+		if err := json.Unmarshal(env.GetData(), &exec); err == nil {
+			c.mu.Lock()
+			c.executions = append(c.executions, &exec)
+			c.mu.Unlock()
+		}
+	}
+	return nil
+}
+
+func (c *captureProducer) Reset() {
+	c.mu.Lock()
+	defer c.mu.Unlock()
+	c.confirmationRequests = nil
+	c.executions = nil
+}
+
+func TestOnIntentCreatesConfirmationRequest(t *testing.T) {
+	logger := mloggerfactory.NewLogger(false)
+	repo := &fakeRepo{payments: &fakePaymentsStore{}, tg: &fakeTelegramStore{}}
+	prod := &captureProducer{}
+	t.Setenv("PGS_CHAT_ID", "-100")
+	svc := NewService(logger, repo, prod, nil, Config{
+		Rail:            "card",
+		TargetChatIDEnv: "PGS_CHAT_ID",
+		TimeoutSeconds:  90,
+		AcceptedUserIDs: []string{"42"},
+	})
+	prod.Reset()
+
+	intent := &model.PaymentGatewayIntent{
+		PaymentIntentID: "pi-1",
+		IdempotencyKey:  "idem-1",
+		OutgoingLeg:     "card",
+		QuoteRef:        "quote-1",
+		RequestedMoney:  &paymenttypes.Money{Amount: "10.50", Currency: "USD"},
+		TargetChatID:    "",
+	}
+	if err := svc.onIntent(context.Background(), intent); err != nil {
+		t.Fatalf("onIntent error: %v", err)
+	}
+	if len(prod.confirmationRequests) != 1 {
+		t.Fatalf("expected 1 confirmation request, got %d", len(prod.confirmationRequests))
+	}
+	req := prod.confirmationRequests[0]
+	if req.RequestID != "idem-1" || req.PaymentIntentID != "pi-1" || req.QuoteRef != "quote-1" {
+		t.Fatalf("unexpected confirmation request fields: %#v", req)
+	}
+	if req.TargetChatID != "-100" {
+		t.Fatalf("expected target chat id -100, got %q", req.TargetChatID)
+	}
+	if req.RequestedMoney == nil || req.RequestedMoney.Amount != "10.50" || req.RequestedMoney.Currency != "USD" {
+		t.Fatalf("requested money mismatch: %#v", req.RequestedMoney)
+	}
+	if req.TimeoutSeconds != 90 {
+		t.Fatalf("expected timeout 90, got %d", req.TimeoutSeconds)
+	}
+	if req.SourceService != string(mservice.PaymentGateway) || req.Rail != "card" {
+		t.Fatalf("unexpected source/rail: %#v", req)
+	}
+}
+
+func TestConfirmationResultPersistsExecutionAndReply(t *testing.T) {
+	logger := mloggerfactory.NewLogger(false)
+	repo := &fakeRepo{payments: &fakePaymentsStore{}, tg: &fakeTelegramStore{}}
+	prod := &captureProducer{}
+	svc := NewService(logger, repo, prod, nil, Config{Rail: "card"})
+	intent := &model.PaymentGatewayIntent{
+		PaymentIntentID: "pi-2",
+		IdempotencyKey:  "idem-2",
+		QuoteRef:        "quote-2",
+		OutgoingLeg:     "card",
+		RequestedMoney:  &paymenttypes.Money{Amount: "5", Currency: "EUR"},
+	}
+	svc.trackIntent("idem-2", intent)
+
+	result := &model.ConfirmationResult{
+		RequestID: "idem-2",
+		Money:     &paymenttypes.Money{Amount: "5", Currency: "EUR"},
+		Status:    model.ConfirmationStatusConfirmed,
+		RawReply:  &model.TelegramMessage{ChatID: "1", MessageID: "2", Text: "5 EUR"},
+	}
+	if err := svc.onConfirmationResult(context.Background(), result); err != nil {
+		t.Fatalf("onConfirmationResult error: %v", err)
+	}
+	if repo.payments.executions["idem-2"] == nil {
+		t.Fatalf("expected payment execution to be stored")
+	}
+	if repo.payments.executions["idem-2"].ExecutedMoney == nil || repo.payments.executions["idem-2"].ExecutedMoney.Amount != "5" {
+		t.Fatalf("executed money not stored correctly")
+	}
+	if repo.tg.records["idem-2"] == nil || repo.tg.records["idem-2"].RawReply.Text != "5 EUR" {
+		t.Fatalf("telegram reply not stored correctly")
+	}
+}
+
+func TestClarifiedResultPersistsExecution(t *testing.T) {
+	logger := mloggerfactory.NewLogger(false)
+	repo := &fakeRepo{payments: &fakePaymentsStore{}, tg: &fakeTelegramStore{}}
+	prod := &captureProducer{}
+	svc := NewService(logger, repo, prod, nil, Config{Rail: "card"})
+	intent := &model.PaymentGatewayIntent{
+		PaymentIntentID: "pi-clarified",
+		IdempotencyKey:  "idem-clarified",
+		QuoteRef:        "quote-clarified",
+		OutgoingLeg:     "card",
+		RequestedMoney:  &paymenttypes.Money{Amount: "12", Currency: "USD"},
+	}
+	svc.trackIntent("idem-clarified", intent)
+
+	result := &model.ConfirmationResult{
+		RequestID: "idem-clarified",
+		Money:     &paymenttypes.Money{Amount: "12", Currency: "USD"},
+		Status:    model.ConfirmationStatusClarified,
+		RawReply:  &model.TelegramMessage{ChatID: "1", MessageID: "3", Text: "12 USD"},
+	}
+	if err := svc.onConfirmationResult(context.Background(), result); err != nil {
+		t.Fatalf("onConfirmationResult error: %v", err)
+	}
+	if repo.payments.executions["idem-clarified"] == nil {
+		t.Fatalf("expected payment execution to be stored")
+	}
+}
+
+func TestIdempotencyPreventsDuplicateWrites(t *testing.T) {
+	logger := mloggerfactory.NewLogger(false)
+	repo := &fakeRepo{payments: &fakePaymentsStore{executions: map[string]*storagemodel.PaymentExecution{
+		"idem-3": {IdempotencyKey: "idem-3"},
+	}}, tg: &fakeTelegramStore{}}
+	prod := &captureProducer{}
+	svc := NewService(logger, repo, prod, nil, Config{Rail: "card"})
+	intent := &model.PaymentGatewayIntent{
+		PaymentIntentID: "pi-3",
+		IdempotencyKey:  "idem-3",
+		OutgoingLeg:     "card",
+		QuoteRef:        "quote-3",
+		RequestedMoney:  &paymenttypes.Money{Amount: "1", Currency: "USD"},
+		TargetChatID:    "chat",
+	}
+	if err := svc.onIntent(context.Background(), intent); err != nil {
+		t.Fatalf("onIntent error: %v", err)
+	}
+	if len(prod.confirmationRequests) != 0 {
+		t.Fatalf("expected no confirmation request for duplicate intent")
+	}
+}
+
+func TestTimeoutDoesNotPersistExecution(t *testing.T) {
+	logger := mloggerfactory.NewLogger(false)
+	repo := &fakeRepo{payments: &fakePaymentsStore{}, tg: &fakeTelegramStore{}}
+	prod := &captureProducer{}
+	svc := NewService(logger, repo, prod, nil, Config{Rail: "card"})
+	intent := &model.PaymentGatewayIntent{
+		PaymentIntentID: "pi-4",
+		IdempotencyKey:  "idem-4",
+		QuoteRef:        "quote-4",
+		OutgoingLeg:     "card",
+		RequestedMoney:  &paymenttypes.Money{Amount: "8", Currency: "USD"},
+	}
+	svc.trackIntent("idem-4", intent)
+
+	result := &model.ConfirmationResult{
+		RequestID: "idem-4",
+		Status:    model.ConfirmationStatusTimeout,
+	}
+	if err := svc.onConfirmationResult(context.Background(), result); err != nil {
+		t.Fatalf("onConfirmationResult error: %v", err)
+	}
+	if repo.payments.executions["idem-4"] != nil {
+		t.Fatalf("expected no execution record for timeout")
+	}
+}
+
+func TestRejectedDoesNotPersistExecution(t *testing.T) {
+	logger := mloggerfactory.NewLogger(false)
+	repo := &fakeRepo{payments: &fakePaymentsStore{}, tg: &fakeTelegramStore{}}
+	prod := &captureProducer{}
+	svc := NewService(logger, repo, prod, nil, Config{Rail: "card"})
+	intent := &model.PaymentGatewayIntent{
+		PaymentIntentID: "pi-reject",
+		IdempotencyKey:  "idem-reject",
+		QuoteRef:        "quote-reject",
+		OutgoingLeg:     "card",
+		RequestedMoney:  &paymenttypes.Money{Amount: "3", Currency: "USD"},
+	}
+	svc.trackIntent("idem-reject", intent)
+
+	result := &model.ConfirmationResult{
+		RequestID: "idem-reject",
+		Status:    model.ConfirmationStatusRejected,
+		RawReply:  &model.TelegramMessage{ChatID: "1", MessageID: "4", Text: "no"},
+	}
+	if err := svc.onConfirmationResult(context.Background(), result); err != nil {
+		t.Fatalf("onConfirmationResult error: %v", err)
+	}
+	if repo.payments.executions["idem-reject"] != nil {
+		t.Fatalf("expected no execution record for rejection")
+	}
+	if repo.tg.records["idem-reject"] == nil {
+		t.Fatalf("expected raw reply to be stored for rejection")
+	}
+}
--- a/api/gateway/tgsettle/main.go
+++ b/api/gateway/tgsettle/main.go
@@ -0,0 +1,17 @@
+package main
+
+import (
+	"github.com/tech/sendico/gateway/tgsettle/internal/appversion"
+	si "github.com/tech/sendico/gateway/tgsettle/internal/server"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+	smain "github.com/tech/sendico/pkg/server/main"
+)
+
+func factory(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return si.Create(logger, file, debug)
+}
+
+func main() {
+	smain.RunServer("gateway", appversion.Create(), factory)
+}
--- a/api/gateway/tgsettle/storage/model/execution.go
+++ b/api/gateway/tgsettle/storage/model/execution.go
@@ -0,0 +1,28 @@
+package model
+
+import (
+	"time"
+
+	"github.com/tech/sendico/pkg/model"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+)
+
+type PaymentExecution struct {
+	ID             primitive.ObjectID   `bson:"_id,omitempty" json:"id"`
+	IdempotencyKey string               `bson:"idempotencyKey,omitempty" json:"idempotency_key,omitempty"`
+	PaymentIntentID string              `bson:"paymentIntentId,omitempty" json:"payment_intent_id,omitempty"`
+	ExecutedMoney  *paymenttypes.Money  `bson:"executedMoney,omitempty" json:"executed_money,omitempty"`
+	QuoteRef       string               `bson:"quoteRef,omitempty" json:"quote_ref,omitempty"`
+	ExecutedAt     time.Time            `bson:"executedAt,omitempty" json:"executed_at,omitempty"`
+	Status         string               `bson:"status,omitempty" json:"status,omitempty"`
+}
+
+type TelegramConfirmation struct {
+	ID              primitive.ObjectID  `bson:"_id,omitempty" json:"id"`
+	RequestID       string              `bson:"requestId,omitempty" json:"request_id,omitempty"`
+	PaymentIntentID string              `bson:"paymentIntentId,omitempty" json:"payment_intent_id,omitempty"`
+	QuoteRef        string              `bson:"quoteRef,omitempty" json:"quote_ref,omitempty"`
+	RawReply        *model.TelegramMessage `bson:"rawReply,omitempty" json:"raw_reply,omitempty"`
+	ReceivedAt      time.Time           `bson:"receivedAt,omitempty" json:"received_at,omitempty"`
+}
--- a/api/gateway/tgsettle/storage/mongo/repository.go
+++ b/api/gateway/tgsettle/storage/mongo/repository.go
@@ -0,0 +1,68 @@
+package mongo
+
+import (
+	"context"
+	"time"
+
+	"github.com/tech/sendico/gateway/tgsettle/storage"
+	"github.com/tech/sendico/gateway/tgsettle/storage/mongo/store"
+	"github.com/tech/sendico/pkg/db"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.mongodb.org/mongo-driver/mongo"
+	"go.uber.org/zap"
+)
+
+type Repository struct {
+	logger mlogger.Logger
+	conn   *db.MongoConnection
+	db     *mongo.Database
+
+	payments storage.PaymentsStore
+	tg       storage.TelegramConfirmationsStore
+}
+
+func New(logger mlogger.Logger, conn *db.MongoConnection) (*Repository, error) {
+	if conn == nil {
+		return nil, merrors.InvalidArgument("mongo connection is nil")
+	}
+	client := conn.Client()
+	if client == nil {
+		return nil, merrors.Internal("mongo client is not initialised")
+	}
+	result := &Repository{
+		logger: logger.Named("storage").Named("mongo"),
+		conn:   conn,
+		db:     conn.Database(),
+	}
+	ctx, cancel := context.WithTimeout(context.Background(), 5*time.Second)
+	defer cancel()
+	if err := result.conn.Ping(ctx); err != nil {
+		result.logger.Error("Mongo ping failed during repository initialisation", zap.Error(err))
+		return nil, err
+	}
+	paymentsStore, err := store.NewPayments(result.logger, result.db)
+	if err != nil {
+		result.logger.Error("Failed to initialise payments store", zap.Error(err))
+		return nil, err
+	}
+	tgStore, err := store.NewTelegramConfirmations(result.logger, result.db)
+	if err != nil {
+		result.logger.Error("Failed to initialise telegram confirmations store", zap.Error(err))
+		return nil, err
+	}
+	result.payments = paymentsStore
+	result.tg = tgStore
+	result.logger.Info("Payment gateway MongoDB storage initialised")
+	return result, nil
+}
+
+func (r *Repository) Payments() storage.PaymentsStore {
+	return r.payments
+}
+
+func (r *Repository) TelegramConfirmations() storage.TelegramConfirmationsStore {
+	return r.tg
+}
+
+var _ storage.Repository = (*Repository)(nil)
--- a/api/gateway/tgsettle/storage/mongo/store/payments.go
+++ b/api/gateway/tgsettle/storage/mongo/store/payments.go
@@ -0,0 +1,82 @@
+package store
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/tgsettle/storage"
+	"github.com/tech/sendico/gateway/tgsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.mongodb.org/mongo-driver/bson"
+	"go.mongodb.org/mongo-driver/mongo"
+	"go.mongodb.org/mongo-driver/mongo/options"
+	"go.uber.org/zap"
+)
+
+const (
+	paymentsCollection    = "payments"
+	fieldIdempotencyKey   = "idempotencyKey"
+)
+
+type Payments struct {
+	logger mlogger.Logger
+	coll   *mongo.Collection
+}
+
+func NewPayments(logger mlogger.Logger, db *mongo.Database) (*Payments, error) {
+	if db == nil {
+		return nil, merrors.InvalidArgument("mongo database is nil")
+	}
+	p := &Payments{
+		logger: logger.Named("payments"),
+		coll:   db.Collection(paymentsCollection),
+	}
+	_, err := p.coll.Indexes().CreateOne(context.Background(), mongo.IndexModel{
+		Keys: bson.D{{Key: fieldIdempotencyKey, Value: 1}},
+		Options: options.Index().SetUnique(true),
+	})
+	if err != nil {
+		p.logger.Error("Failed to create payments idempotency index", zap.Error(err))
+		return nil, err
+	}
+	return p, nil
+}
+
+func (p *Payments) FindByIdempotencyKey(ctx context.Context, key string) (*model.PaymentExecution, error) {
+	key = strings.TrimSpace(key)
+	if key == "" {
+		return nil, merrors.InvalidArgument("idempotency key is required", "idempotency_key")
+	}
+	var result model.PaymentExecution
+	err := p.coll.FindOne(ctx, bson.M{fieldIdempotencyKey: key}).Decode(&result)
+	if err == mongo.ErrNoDocuments {
+		return nil, nil
+	}
+	if err != nil {
+		return nil, err
+	}
+	return &result, nil
+}
+
+func (p *Payments) InsertExecution(ctx context.Context, exec *model.PaymentExecution) error {
+	if exec == nil {
+		return merrors.InvalidArgument("payment execution is nil", "execution")
+	}
+	exec.IdempotencyKey = strings.TrimSpace(exec.IdempotencyKey)
+	exec.PaymentIntentID = strings.TrimSpace(exec.PaymentIntentID)
+	exec.QuoteRef = strings.TrimSpace(exec.QuoteRef)
+	if exec.ExecutedAt.IsZero() {
+		exec.ExecutedAt = time.Now()
+	}
+	if _, err := p.coll.InsertOne(ctx, exec); err != nil {
+		if mongo.IsDuplicateKeyError(err) {
+			return storage.ErrDuplicate
+		}
+		return err
+	}
+	return nil
+}
+
+var _ storage.PaymentsStore = (*Payments)(nil)
--- a/api/gateway/tgsettle/storage/mongo/store/telegram_confirmations.go
+++ b/api/gateway/tgsettle/storage/mongo/store/telegram_confirmations.go
@@ -0,0 +1,67 @@
+package store
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/tgsettle/storage"
+	"github.com/tech/sendico/gateway/tgsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.mongodb.org/mongo-driver/bson"
+	"go.mongodb.org/mongo-driver/mongo"
+	"go.mongodb.org/mongo-driver/mongo/options"
+	"go.uber.org/zap"
+)
+
+const (
+	telegramCollection = "telegram_confirmations"
+	fieldRequestID     = "requestId"
+)
+
+type TelegramConfirmations struct {
+	logger mlogger.Logger
+	coll   *mongo.Collection
+}
+
+func NewTelegramConfirmations(logger mlogger.Logger, db *mongo.Database) (*TelegramConfirmations, error) {
+	if db == nil {
+		return nil, merrors.InvalidArgument("mongo database is nil")
+	}
+	t := &TelegramConfirmations{
+		logger: logger.Named("telegram_confirmations"),
+		coll:   db.Collection(telegramCollection),
+	}
+	_, err := t.coll.Indexes().CreateOne(context.Background(), mongo.IndexModel{
+		Keys: bson.D{{Key: fieldRequestID, Value: 1}},
+		Options: options.Index().SetUnique(true),
+	})
+	if err != nil {
+		t.logger.Error("Failed to create telegram confirmations request_id index", zap.Error(err))
+		return nil, err
+	}
+	return t, nil
+}
+
+func (t *TelegramConfirmations) Upsert(ctx context.Context, record *model.TelegramConfirmation) error {
+	if record == nil {
+		return merrors.InvalidArgument("telegram confirmation is nil", "record")
+	}
+	record.RequestID = strings.TrimSpace(record.RequestID)
+	record.PaymentIntentID = strings.TrimSpace(record.PaymentIntentID)
+	record.QuoteRef = strings.TrimSpace(record.QuoteRef)
+	if record.RequestID == "" {
+		return merrors.InvalidArgument("request_id is required", "request_id")
+	}
+	if record.ReceivedAt.IsZero() {
+		record.ReceivedAt = time.Now()
+	}
+	update := bson.M{
+		"$set": record,
+	}
+	_, err := t.coll.UpdateOne(ctx, bson.M{fieldRequestID: record.RequestID}, update, options.Update().SetUpsert(true))
+	return err
+}
+
+var _ storage.TelegramConfirmationsStore = (*TelegramConfirmations)(nil)
--- a/api/gateway/tgsettle/storage/storage.go
+++ b/api/gateway/tgsettle/storage/storage.go
@@ -0,0 +1,24 @@
+package storage
+
+import (
+	"context"
+
+	"github.com/tech/sendico/gateway/tgsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+var ErrDuplicate = merrors.DataConflict("payment gateway storage: duplicate record")
+
+type Repository interface {
+	Payments() PaymentsStore
+	TelegramConfirmations() TelegramConfirmationsStore
+}
+
+type PaymentsStore interface {
+	FindByIdempotencyKey(ctx context.Context, key string) (*model.PaymentExecution, error)
+	InsertExecution(ctx context.Context, exec *model.PaymentExecution) error
+}
+
+type TelegramConfirmationsStore interface {
+	Upsert(ctx context.Context, record *model.TelegramConfirmation) error
+}
--- a/api/ledger/client/client.go
+++ b/api/ledger/client/client.go
@@ -8,14 +8,27 @@ import (
 	"time"

 	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/payments/rail"
+	describablev1 "github.com/tech/sendico/pkg/proto/common/describable/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	paginationv1 "github.com/tech/sendico/pkg/proto/common/pagination/v1"
 	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
 	"google.golang.org/grpc"
 	"google.golang.org/grpc/credentials"
 	"google.golang.org/grpc/credentials/insecure"
+	"google.golang.org/protobuf/types/known/structpb"
+	"google.golang.org/protobuf/types/known/timestamppb"
 )

+const ledgerConnectorID = "ledger"
+
 // Client exposes typed helpers around the ledger gRPC API.
 type Client interface {
+	ReadBalance(ctx context.Context, accountID string) (*moneyv1.Money, error)
+	CreateTransaction(ctx context.Context, tx rail.LedgerTx) (string, error)
+	HoldBalance(ctx context.Context, accountID string, amount string) error
+
 	CreateAccount(ctx context.Context, req *ledgerv1.CreateAccountRequest) (*ledgerv1.CreateAccountResponse, error)
 	ListAccounts(ctx context.Context, req *ledgerv1.ListAccountsRequest) (*ledgerv1.ListAccountsResponse, error)
 	PostCreditWithCharges(ctx context.Context, req *ledgerv1.PostCreditRequest) (*ledgerv1.PostResponse, error)
@@ -30,22 +43,20 @@ type Client interface {
 	Close() error
 }

-type grpcLedgerClient interface {
-	CreateAccount(ctx context.Context, in *ledgerv1.CreateAccountRequest, opts ...grpc.CallOption) (*ledgerv1.CreateAccountResponse, error)
-	ListAccounts(ctx context.Context, in *ledgerv1.ListAccountsRequest, opts ...grpc.CallOption) (*ledgerv1.ListAccountsResponse, error)
-	PostCreditWithCharges(ctx context.Context, in *ledgerv1.PostCreditRequest, opts ...grpc.CallOption) (*ledgerv1.PostResponse, error)
-	PostDebitWithCharges(ctx context.Context, in *ledgerv1.PostDebitRequest, opts ...grpc.CallOption) (*ledgerv1.PostResponse, error)
-	TransferInternal(ctx context.Context, in *ledgerv1.TransferRequest, opts ...grpc.CallOption) (*ledgerv1.PostResponse, error)
-	ApplyFXWithCharges(ctx context.Context, in *ledgerv1.FXRequest, opts ...grpc.CallOption) (*ledgerv1.PostResponse, error)
-	GetBalance(ctx context.Context, in *ledgerv1.GetBalanceRequest, opts ...grpc.CallOption) (*ledgerv1.BalanceResponse, error)
-	GetJournalEntry(ctx context.Context, in *ledgerv1.GetEntryRequest, opts ...grpc.CallOption) (*ledgerv1.JournalEntryResponse, error)
-	GetStatement(ctx context.Context, in *ledgerv1.GetStatementRequest, opts ...grpc.CallOption) (*ledgerv1.StatementResponse, error)
+type grpcConnectorClient interface {
+	OpenAccount(ctx context.Context, in *connectorv1.OpenAccountRequest, opts ...grpc.CallOption) (*connectorv1.OpenAccountResponse, error)
+	GetAccount(ctx context.Context, in *connectorv1.GetAccountRequest, opts ...grpc.CallOption) (*connectorv1.GetAccountResponse, error)
+	ListAccounts(ctx context.Context, in *connectorv1.ListAccountsRequest, opts ...grpc.CallOption) (*connectorv1.ListAccountsResponse, error)
+	GetBalance(ctx context.Context, in *connectorv1.GetBalanceRequest, opts ...grpc.CallOption) (*connectorv1.GetBalanceResponse, error)
+	SubmitOperation(ctx context.Context, in *connectorv1.SubmitOperationRequest, opts ...grpc.CallOption) (*connectorv1.SubmitOperationResponse, error)
+	GetOperation(ctx context.Context, in *connectorv1.GetOperationRequest, opts ...grpc.CallOption) (*connectorv1.GetOperationResponse, error)
+	ListOperations(ctx context.Context, in *connectorv1.ListOperationsRequest, opts ...grpc.CallOption) (*connectorv1.ListOperationsResponse, error)
 }

 type ledgerClient struct {
 	cfg    Config
 	conn   *grpc.ClientConn
-	client grpcLedgerClient
+	client grpcConnectorClient
 }

 // New dials the ledger endpoint and returns a ready client.
@@ -75,12 +86,12 @@ func New(ctx context.Context, cfg Config, opts ...grpc.DialOption) (Client, erro
 	return &ledgerClient{
 		cfg:    cfg,
 		conn:   conn,
-		client: ledgerv1.NewLedgerServiceClient(conn),
+		client: connectorv1.NewConnectorServiceClient(conn),
 	}, nil
 }

 // NewWithClient injects a pre-built ledger client (useful for tests).
-func NewWithClient(cfg Config, lc grpcLedgerClient) Client {
+func NewWithClient(cfg Config, lc grpcConnectorClient) Client {
 	cfg.setDefaults()
 	return &ledgerClient{
 		cfg:    cfg,
@@ -95,58 +106,561 @@ func (c *ledgerClient) Close() error {
 	return nil
 }

+func (c *ledgerClient) ReadBalance(ctx context.Context, accountID string) (*moneyv1.Money, error) {
+	if strings.TrimSpace(accountID) == "" {
+		return nil, merrors.InvalidArgument("ledger: account_id is required")
+	}
+	resp, err := c.GetBalance(ctx, &ledgerv1.GetBalanceRequest{LedgerAccountRef: strings.TrimSpace(accountID)})
+	if err != nil {
+		return nil, err
+	}
+	if resp == nil || resp.GetBalance() == nil {
+		return nil, merrors.Internal("ledger: balance response missing")
+	}
+	return cloneMoney(resp.GetBalance()), nil
+}
+
+func (c *ledgerClient) CreateTransaction(ctx context.Context, tx rail.LedgerTx) (string, error) {
+	orgRef := strings.TrimSpace(tx.OrganizationRef)
+	if orgRef == "" {
+		return "", merrors.InvalidArgument("ledger: organization_ref is required")
+	}
+	accountRef := strings.TrimSpace(tx.LedgerAccountRef)
+	if accountRef == "" {
+		return "", merrors.InvalidArgument("ledger: ledger_account_ref is required")
+	}
+	money := &moneyv1.Money{
+		Currency: strings.TrimSpace(tx.Currency),
+		Amount:   strings.TrimSpace(tx.Amount),
+	}
+	if money.GetCurrency() == "" || money.GetAmount() == "" {
+		return "", merrors.InvalidArgument("ledger: amount is required")
+	}
+
+	description := strings.TrimSpace(tx.Description)
+	metadata := ledgerTxMetadata(tx.Metadata, tx)
+
+	switch {
+	case isLedgerRail(tx.FromRail) && !isLedgerRail(tx.ToRail):
+		resp, err := c.PostDebitWithCharges(ctx, &ledgerv1.PostDebitRequest{
+			IdempotencyKey:         strings.TrimSpace(tx.IdempotencyKey),
+			OrganizationRef:        orgRef,
+			LedgerAccountRef:       accountRef,
+			Money:                  money,
+			Description:            description,
+			Charges:                tx.Charges,
+			Metadata:               metadata,
+			ContraLedgerAccountRef: strings.TrimSpace(tx.ContraLedgerAccountRef),
+		})
+		if err != nil {
+			return "", err
+		}
+		return strings.TrimSpace(resp.GetJournalEntryRef()), nil
+	case isLedgerRail(tx.ToRail) && !isLedgerRail(tx.FromRail):
+		resp, err := c.PostCreditWithCharges(ctx, &ledgerv1.PostCreditRequest{
+			IdempotencyKey:         strings.TrimSpace(tx.IdempotencyKey),
+			OrganizationRef:        orgRef,
+			LedgerAccountRef:       accountRef,
+			Money:                  money,
+			Description:            description,
+			Charges:                tx.Charges,
+			Metadata:               metadata,
+			ContraLedgerAccountRef: strings.TrimSpace(tx.ContraLedgerAccountRef),
+		})
+		if err != nil {
+			return "", err
+		}
+		return strings.TrimSpace(resp.GetJournalEntryRef()), nil
+	default:
+		return "", merrors.InvalidArgument("ledger: unsupported transaction direction")
+	}
+}
+
+func (c *ledgerClient) HoldBalance(ctx context.Context, accountID string, amount string) error {
+	return merrors.NotImplemented("ledger: hold balance not supported")
+}
+
 func (c *ledgerClient) CreateAccount(ctx context.Context, req *ledgerv1.CreateAccountRequest) (*ledgerv1.CreateAccountResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.CreateAccount(ctx, req)
+	if req == nil {
+		return nil, merrors.InvalidArgument("ledger: request is required")
+	}
+	if strings.TrimSpace(req.GetCurrency()) == "" {
+		return nil, merrors.InvalidArgument("ledger: currency is required")
+	}
+	params := map[string]interface{}{
+		"organization_ref": strings.TrimSpace(req.GetOrganizationRef()),
+		"account_code":     strings.TrimSpace(req.GetAccountCode()),
+		"account_type":     req.GetAccountType().String(),
+		"status":           req.GetStatus().String(),
+		"allow_negative":   req.GetAllowNegative(),
+		"is_settlement":    req.GetIsSettlement(),
+	}
+	label := ""
+	if desc := req.GetDescribable(); desc != nil {
+		label = strings.TrimSpace(desc.GetName())
+		if desc.Description != nil {
+			trimmed := strings.TrimSpace(desc.GetDescription())
+			if trimmed != "" {
+				params["description"] = trimmed
+			}
+		}
+	}
+	if len(req.GetMetadata()) > 0 {
+		params["metadata"] = mapStringToInterface(req.GetMetadata())
+	}
+	resp, err := c.client.OpenAccount(ctx, &connectorv1.OpenAccountRequest{
+		Kind:   connectorv1.AccountKind_LEDGER_ACCOUNT,
+		Asset:  strings.TrimSpace(req.GetCurrency()),
+		Label:  label,
+		Params: structFromMap(params),
+	})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetError() != nil {
+		return nil, connectorError(resp.GetError())
+	}
+	return &ledgerv1.CreateAccountResponse{Account: ledgerAccountFromConnector(resp.GetAccount())}, nil
 }

 func (c *ledgerClient) ListAccounts(ctx context.Context, req *ledgerv1.ListAccountsRequest) (*ledgerv1.ListAccountsResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.ListAccounts(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetOrganizationRef()) == "" {
+		return nil, merrors.InvalidArgument("ledger: organization_ref is required")
+	}
+	resp, err := c.client.ListAccounts(ctx, &connectorv1.ListAccountsRequest{OwnerRef: strings.TrimSpace(req.GetOrganizationRef())})
+	if err != nil {
+		return nil, err
+	}
+	accounts := make([]*ledgerv1.LedgerAccount, 0, len(resp.GetAccounts()))
+	for _, account := range resp.GetAccounts() {
+		accounts = append(accounts, ledgerAccountFromConnector(account))
+	}
+	return &ledgerv1.ListAccountsResponse{Accounts: accounts}, nil
 }

 func (c *ledgerClient) PostCreditWithCharges(ctx context.Context, req *ledgerv1.PostCreditRequest) (*ledgerv1.PostResponse, error) {
-	ctx, cancel := c.callContext(ctx)
-	defer cancel()
-	return c.client.PostCreditWithCharges(ctx, req)
+	return c.submitLedgerOperation(ctx, connectorv1.OperationType_CREDIT, "", req.GetLedgerAccountRef(), req.GetMoney(), req)
 }

 func (c *ledgerClient) PostDebitWithCharges(ctx context.Context, req *ledgerv1.PostDebitRequest) (*ledgerv1.PostResponse, error) {
-	ctx, cancel := c.callContext(ctx)
-	defer cancel()
-	return c.client.PostDebitWithCharges(ctx, req)
+	return c.submitLedgerOperation(ctx, connectorv1.OperationType_DEBIT, req.GetLedgerAccountRef(), "", req.GetMoney(), req)
 }

 func (c *ledgerClient) TransferInternal(ctx context.Context, req *ledgerv1.TransferRequest) (*ledgerv1.PostResponse, error) {
-	ctx, cancel := c.callContext(ctx)
-	defer cancel()
-	return c.client.TransferInternal(ctx, req)
+	return c.submitLedgerOperation(ctx, connectorv1.OperationType_TRANSFER, req.GetFromLedgerAccountRef(), req.GetToLedgerAccountRef(), req.GetMoney(), req)
 }

 func (c *ledgerClient) ApplyFXWithCharges(ctx context.Context, req *ledgerv1.FXRequest) (*ledgerv1.PostResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.ApplyFXWithCharges(ctx, req)
+	if req == nil {
+		return nil, merrors.InvalidArgument("ledger: request is required")
+	}
+	if req.GetFromMoney() == nil || req.GetToMoney() == nil {
+		return nil, merrors.InvalidArgument("ledger: from_money and to_money are required")
+	}
+	params := ledgerOperationParams(req.GetOrganizationRef(), req.GetDescription(), req.GetMetadata(), req.GetCharges(), req.GetEventTime())
+	params["rate"] = strings.TrimSpace(req.GetRate())
+	params["to_money"] = map[string]interface{}{"amount": req.GetToMoney().GetAmount(), "currency": req.GetToMoney().GetCurrency()}
+	operation := &connectorv1.Operation{
+		Type:           connectorv1.OperationType_FX,
+		IdempotencyKey: strings.TrimSpace(req.GetIdempotencyKey()),
+		From:           accountParty(req.GetFromLedgerAccountRef()),
+		To:             accountParty(req.GetToLedgerAccountRef()),
+		Money:          req.GetFromMoney(),
+		Params:         structFromMap(params),
+	}
+	resp, err := c.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return &ledgerv1.PostResponse{JournalEntryRef: resp.GetReceipt().GetOperationId(), EntryType: ledgerv1.EntryType_ENTRY_FX}, nil
 }

 func (c *ledgerClient) GetBalance(ctx context.Context, req *ledgerv1.GetBalanceRequest) (*ledgerv1.BalanceResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.GetBalance(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetLedgerAccountRef()) == "" {
+		return nil, merrors.InvalidArgument("ledger: ledger_account_ref is required")
+	}
+	resp, err := c.client.GetBalance(ctx, &connectorv1.GetBalanceRequest{AccountRef: &connectorv1.AccountRef{ConnectorId: ledgerConnectorID, AccountId: strings.TrimSpace(req.GetLedgerAccountRef())}})
+	if err != nil {
+		return nil, err
+	}
+	balance := resp.GetBalance()
+	if balance == nil {
+		return nil, merrors.Internal("ledger: balance response missing")
+	}
+	return &ledgerv1.BalanceResponse{
+		LedgerAccountRef: strings.TrimSpace(req.GetLedgerAccountRef()),
+		Balance:          balance.GetAvailable(),
+		LastUpdated:      balance.GetCalculatedAt(),
+	}, nil
 }

 func (c *ledgerClient) GetJournalEntry(ctx context.Context, req *ledgerv1.GetEntryRequest) (*ledgerv1.JournalEntryResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.GetJournalEntry(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetEntryRef()) == "" {
+		return nil, merrors.InvalidArgument("ledger: entry_ref is required")
+	}
+	resp, err := c.client.GetOperation(ctx, &connectorv1.GetOperationRequest{OperationId: strings.TrimSpace(req.GetEntryRef())})
+	if err != nil {
+		return nil, err
+	}
+	return journalEntryFromOperation(resp.GetOperation()), nil
 }

 func (c *ledgerClient) GetStatement(ctx context.Context, req *ledgerv1.GetStatementRequest) (*ledgerv1.StatementResponse, error) {
 	ctx, cancel := c.callContext(ctx)
 	defer cancel()
-	return c.client.GetStatement(ctx, req)
+	if req == nil || strings.TrimSpace(req.GetLedgerAccountRef()) == "" {
+		return nil, merrors.InvalidArgument("ledger: ledger_account_ref is required")
+	}
+	resp, err := c.client.ListOperations(ctx, &connectorv1.ListOperationsRequest{
+		AccountRef: &connectorv1.AccountRef{ConnectorId: ledgerConnectorID, AccountId: strings.TrimSpace(req.GetLedgerAccountRef())},
+		Page:       pageFromStatement(req),
+	})
+	if err != nil {
+		return nil, err
+	}
+	entries := make([]*ledgerv1.JournalEntryResponse, 0, len(resp.GetOperations()))
+	for _, op := range resp.GetOperations() {
+		entries = append(entries, journalEntryFromOperation(op))
+	}
+	nextCursor := ""
+	if resp.GetPage() != nil {
+		nextCursor = resp.GetPage().GetNextCursor()
+	}
+	return &ledgerv1.StatementResponse{Entries: entries, NextCursor: nextCursor}, nil
+}
+
+func (c *ledgerClient) submitLedgerOperation(ctx context.Context, opType connectorv1.OperationType, fromRef, toRef string, money *moneyv1.Money, req interface{}) (*ledgerv1.PostResponse, error) {
+	ctx, cancel := c.callContext(ctx)
+	defer cancel()
+	if money == nil {
+		return nil, merrors.InvalidArgument("ledger: money is required")
+	}
+
+	var (
+		idempotencyKey string
+		orgRef         string
+		description    string
+		metadata       map[string]string
+		charges        []*ledgerv1.PostingLine
+		eventTime      *timestamppb.Timestamp
+		contraRef      string
+	)
+
+	switch r := req.(type) {
+	case *ledgerv1.PostCreditRequest:
+		idempotencyKey = r.GetIdempotencyKey()
+		orgRef = r.GetOrganizationRef()
+		description = r.GetDescription()
+		metadata = r.GetMetadata()
+		charges = r.GetCharges()
+		eventTime = r.GetEventTime()
+		contraRef = r.GetContraLedgerAccountRef()
+	case *ledgerv1.PostDebitRequest:
+		idempotencyKey = r.GetIdempotencyKey()
+		orgRef = r.GetOrganizationRef()
+		description = r.GetDescription()
+		metadata = r.GetMetadata()
+		charges = r.GetCharges()
+		eventTime = r.GetEventTime()
+		contraRef = r.GetContraLedgerAccountRef()
+	case *ledgerv1.TransferRequest:
+		idempotencyKey = r.GetIdempotencyKey()
+		orgRef = r.GetOrganizationRef()
+		description = r.GetDescription()
+		metadata = r.GetMetadata()
+		charges = r.GetCharges()
+		eventTime = r.GetEventTime()
+	}
+
+	params := ledgerOperationParams(orgRef, description, metadata, charges, eventTime)
+	if contraRef != "" {
+		params["contra_ledger_account_ref"] = strings.TrimSpace(contraRef)
+	}
+
+	op := &connectorv1.Operation{
+		Type:           opType,
+		IdempotencyKey: strings.TrimSpace(idempotencyKey),
+		Money:          money,
+		Params:         structFromMap(params),
+	}
+	if fromRef != "" {
+		op.From = accountParty(fromRef)
+	}
+	if toRef != "" {
+		op.To = accountParty(toRef)
+	}
+
+	resp, err := c.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: op})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return &ledgerv1.PostResponse{JournalEntryRef: resp.GetReceipt().GetOperationId(), EntryType: entryTypeFromOperation(opType)}, nil
+}
+
+func ledgerOperationParams(orgRef, description string, metadata map[string]string, charges []*ledgerv1.PostingLine, eventTime *timestamppb.Timestamp) map[string]interface{} {
+	params := map[string]interface{}{
+		"organization_ref": strings.TrimSpace(orgRef),
+		"description":      strings.TrimSpace(description),
+	}
+	if len(metadata) > 0 {
+		params["metadata"] = mapStringToInterface(metadata)
+	}
+	if len(charges) > 0 {
+		params["charges"] = chargesToInterface(charges)
+	}
+	if eventTime != nil {
+		params["event_time"] = eventTime.AsTime().UTC().Format(time.RFC3339Nano)
+	}
+	return params
+}
+
+func accountParty(accountRef string) *connectorv1.OperationParty {
+	if strings.TrimSpace(accountRef) == "" {
+		return nil
+	}
+	return &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: ledgerConnectorID, AccountId: strings.TrimSpace(accountRef)}}}
+}
+
+func entryTypeFromOperation(opType connectorv1.OperationType) ledgerv1.EntryType {
+	switch opType {
+	case connectorv1.OperationType_CREDIT:
+		return ledgerv1.EntryType_ENTRY_CREDIT
+	case connectorv1.OperationType_DEBIT:
+		return ledgerv1.EntryType_ENTRY_DEBIT
+	case connectorv1.OperationType_TRANSFER:
+		return ledgerv1.EntryType_ENTRY_TRANSFER
+	case connectorv1.OperationType_FX:
+		return ledgerv1.EntryType_ENTRY_FX
+	default:
+		return ledgerv1.EntryType_ENTRY_TYPE_UNSPECIFIED
+	}
+}
+
+func ledgerAccountFromConnector(account *connectorv1.Account) *ledgerv1.LedgerAccount {
+	if account == nil {
+		return nil
+	}
+	details := map[string]interface{}{}
+	if account.GetProviderDetails() != nil {
+		details = account.GetProviderDetails().AsMap()
+	}
+	accountType := ledgerv1.AccountType_ACCOUNT_TYPE_UNSPECIFIED
+	if v := strings.TrimSpace(fmt.Sprint(details["account_type"])); v != "" {
+		accountType = parseAccountType(v)
+	}
+	status := ledgerv1.AccountStatus_ACCOUNT_STATUS_UNSPECIFIED
+	if v := strings.TrimSpace(fmt.Sprint(details["status"])); v != "" {
+		status = parseAccountStatus(v)
+	}
+	allowNegative := false
+	if v, ok := details["allow_negative"].(bool); ok {
+		allowNegative = v
+	}
+	isSettlement := false
+	if v, ok := details["is_settlement"].(bool); ok {
+		isSettlement = v
+	}
+	accountCode := strings.TrimSpace(fmt.Sprint(details["account_code"]))
+	accountID := ""
+	if ref := account.GetRef(); ref != nil {
+		accountID = strings.TrimSpace(ref.GetAccountId())
+	}
+	describable := account.GetDescribable()
+	label := strings.TrimSpace(account.GetLabel())
+	if describable == nil && label != "" {
+		describable = &describablev1.Describable{Name: label}
+	} else if describable != nil && strings.TrimSpace(describable.GetName()) == "" && label != "" {
+		desc := strings.TrimSpace(describable.GetDescription())
+		if desc == "" {
+			describable = &describablev1.Describable{Name: label}
+		} else {
+			describable = &describablev1.Describable{Name: label, Description: &desc}
+		}
+	}
+	return &ledgerv1.LedgerAccount{
+		LedgerAccountRef: accountID,
+		OrganizationRef:  strings.TrimSpace(account.GetOwnerRef()),
+		AccountCode:      accountCode,
+		AccountType:      accountType,
+		Currency:         strings.TrimSpace(account.GetAsset()),
+		Status:           status,
+		AllowNegative:    allowNegative,
+		IsSettlement:     isSettlement,
+		CreatedAt:        account.GetCreatedAt(),
+		UpdatedAt:        account.GetUpdatedAt(),
+		Describable:      describable,
+	}
+}
+
+func parseAccountType(value string) ledgerv1.AccountType {
+	switch strings.ToUpper(strings.TrimSpace(value)) {
+	case "ACCOUNT_TYPE_ASSET", "ASSET":
+		return ledgerv1.AccountType_ACCOUNT_TYPE_ASSET
+	case "ACCOUNT_TYPE_LIABILITY", "LIABILITY":
+		return ledgerv1.AccountType_ACCOUNT_TYPE_LIABILITY
+	case "ACCOUNT_TYPE_REVENUE", "REVENUE":
+		return ledgerv1.AccountType_ACCOUNT_TYPE_REVENUE
+	case "ACCOUNT_TYPE_EXPENSE", "EXPENSE":
+		return ledgerv1.AccountType_ACCOUNT_TYPE_EXPENSE
+	default:
+		return ledgerv1.AccountType_ACCOUNT_TYPE_UNSPECIFIED
+	}
+}
+
+func parseAccountStatus(value string) ledgerv1.AccountStatus {
+	switch strings.ToUpper(strings.TrimSpace(value)) {
+	case "ACCOUNT_STATUS_ACTIVE", "ACTIVE":
+		return ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE
+	case "ACCOUNT_STATUS_FROZEN", "FROZEN":
+		return ledgerv1.AccountStatus_ACCOUNT_STATUS_FROZEN
+	default:
+		return ledgerv1.AccountStatus_ACCOUNT_STATUS_UNSPECIFIED
+	}
+}
+
+func journalEntryFromOperation(op *connectorv1.Operation) *ledgerv1.JournalEntryResponse {
+	if op == nil {
+		return nil
+	}
+	entry := &ledgerv1.JournalEntryResponse{
+		EntryRef:     strings.TrimSpace(op.GetOperationId()),
+		EntryType:    entryTypeFromOperation(op.GetType()),
+		Description:  operationDescription(op),
+		EventTime:    op.GetCreatedAt(),
+		Lines:        postingLinesFromOperation(op),
+		LedgerAccountRefs: ledgerAccountRefsFromOperation(op),
+	}
+	return entry
+}
+
+func operationDescription(op *connectorv1.Operation) string {
+	if op == nil || op.GetParams() == nil {
+		return ""
+	}
+	if value, ok := op.GetParams().AsMap()["description"]; ok {
+		return strings.TrimSpace(fmt.Sprint(value))
+	}
+	return ""
+}
+
+func postingLinesFromOperation(op *connectorv1.Operation) []*ledgerv1.PostingLine {
+	if op == nil || op.GetMoney() == nil {
+		return nil
+	}
+	lines := []*ledgerv1.PostingLine{}
+	if from := op.GetFrom(); from != nil && from.GetAccount() != nil {
+		lines = append(lines, &ledgerv1.PostingLine{LedgerAccountRef: strings.TrimSpace(from.GetAccount().GetAccountId()), Money: op.GetMoney(), LineType: ledgerv1.LineType_LINE_MAIN})
+	}
+	if to := op.GetTo(); to != nil && to.GetAccount() != nil {
+		lines = append(lines, &ledgerv1.PostingLine{LedgerAccountRef: strings.TrimSpace(to.GetAccount().GetAccountId()), Money: op.GetMoney(), LineType: ledgerv1.LineType_LINE_MAIN})
+	}
+	if len(lines) == 0 {
+		lines = append(lines, &ledgerv1.PostingLine{Money: op.GetMoney(), LineType: ledgerv1.LineType_LINE_MAIN})
+	}
+	return lines
+}
+
+func ledgerAccountRefsFromOperation(op *connectorv1.Operation) []string {
+	refs := []string{}
+	if op == nil {
+		return refs
+	}
+	if from := op.GetFrom(); from != nil && from.GetAccount() != nil {
+		refs = append(refs, strings.TrimSpace(from.GetAccount().GetAccountId()))
+	}
+	if to := op.GetTo(); to != nil && to.GetAccount() != nil {
+		refs = append(refs, strings.TrimSpace(to.GetAccount().GetAccountId()))
+	}
+	return refs
+}
+
+func pageFromStatement(req *ledgerv1.GetStatementRequest) *paginationv1.CursorPageRequest {
+	if req == nil {
+		return nil
+	}
+	return &paginationv1.CursorPageRequest{
+		Cursor: strings.TrimSpace(req.GetCursor()),
+		Limit:  req.GetLimit(),
+	}
+}
+
+func chargesToInterface(charges []*ledgerv1.PostingLine) []interface{} {
+	if len(charges) == 0 {
+		return nil
+	}
+	result := make([]interface{}, 0, len(charges))
+	for _, line := range charges {
+		if line == nil || line.GetMoney() == nil {
+			continue
+		}
+		result = append(result, map[string]interface{}{
+			"ledger_account_ref": strings.TrimSpace(line.GetLedgerAccountRef()),
+			"amount":             strings.TrimSpace(line.GetMoney().GetAmount()),
+			"currency":           strings.TrimSpace(line.GetMoney().GetCurrency()),
+			"line_type":          line.GetLineType().String(),
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func connectorError(err *connectorv1.ConnectorError) error {
+	if err == nil {
+		return nil
+	}
+	msg := strings.TrimSpace(err.GetMessage())
+	switch err.GetCode() {
+	case connectorv1.ErrorCode_INVALID_PARAMS:
+		return merrors.InvalidArgument(msg)
+	case connectorv1.ErrorCode_NOT_FOUND:
+		return merrors.NoData(msg)
+	case connectorv1.ErrorCode_UNSUPPORTED_OPERATION, connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND:
+		return merrors.NotImplemented(msg)
+	case connectorv1.ErrorCode_RATE_LIMITED, connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE:
+		return merrors.Internal(msg)
+	default:
+		return merrors.Internal(msg)
+	}
+}
+
+func structFromMap(data map[string]interface{}) *structpb.Struct {
+	if len(data) == 0 {
+		return nil
+	}
+	result, err := structpb.NewStruct(data)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func mapStringToInterface(input map[string]string) map[string]interface{} {
+	if len(input) == 0 {
+		return nil
+	}
+	out := make(map[string]interface{}, len(input))
+	for k, v := range input {
+		out[k] = v
+	}
+	return out
 }

 func (c *ledgerClient) callContext(ctx context.Context) (context.Context, context.CancelFunc) {
@@ -156,3 +670,57 @@ func (c *ledgerClient) callContext(ctx context.Context) (context.Context, contex
 	}
 	return context.WithTimeout(ctx, timeout)
 }
+
+func isLedgerRail(value string) bool {
+	return strings.EqualFold(strings.TrimSpace(value), "LEDGER")
+}
+
+func cloneMoney(input *moneyv1.Money) *moneyv1.Money {
+	if input == nil {
+		return nil
+	}
+	return &moneyv1.Money{
+		Currency: input.GetCurrency(),
+		Amount:   input.GetAmount(),
+	}
+}
+
+func cloneMetadata(input map[string]string) map[string]string {
+	if len(input) == 0 {
+		return nil
+	}
+	out := make(map[string]string, len(input))
+	for k, v := range input {
+		out[k] = v
+	}
+	return out
+}
+
+func ledgerTxMetadata(base map[string]string, tx rail.LedgerTx) map[string]string {
+	meta := cloneMetadata(base)
+	if meta == nil {
+		meta = map[string]string{}
+	}
+	if val := strings.TrimSpace(tx.PaymentPlanID); val != "" {
+		meta["payment_plan_id"] = val
+	}
+	if val := strings.TrimSpace(tx.FromRail); val != "" {
+		meta["from_rail"] = val
+	}
+	if val := strings.TrimSpace(tx.ToRail); val != "" {
+		meta["to_rail"] = val
+	}
+	if val := strings.TrimSpace(tx.ExternalReferenceID); val != "" {
+		meta["external_reference_id"] = val
+	}
+	if val := strings.TrimSpace(tx.FXRateUsed); val != "" {
+		meta["fx_rate_used"] = val
+	}
+	if val := strings.TrimSpace(tx.FeeAmount); val != "" {
+		meta["fee_amount"] = val
+	}
+	if len(meta) == 0 {
+		return nil
+	}
+	return meta
+}
--- a/api/ledger/client/fake.go
+++ b/api/ledger/client/fake.go
@@ -3,13 +3,18 @@ package client
 import (
 	"context"

+	"github.com/tech/sendico/pkg/payments/rail"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
 )

 // Fake implements Client for tests.
 type Fake struct {
-	CreateAccountFn       func(ctx context.Context, req *ledgerv1.CreateAccountRequest) (*ledgerv1.CreateAccountResponse, error)
-	ListAccountsFn        func(ctx context.Context, req *ledgerv1.ListAccountsRequest) (*ledgerv1.ListAccountsResponse, error)
+	ReadBalanceFn           func(ctx context.Context, accountID string) (*moneyv1.Money, error)
+	CreateTransactionFn     func(ctx context.Context, tx rail.LedgerTx) (string, error)
+	HoldBalanceFn           func(ctx context.Context, accountID string, amount string) error
+	CreateAccountFn         func(ctx context.Context, req *ledgerv1.CreateAccountRequest) (*ledgerv1.CreateAccountResponse, error)
+	ListAccountsFn          func(ctx context.Context, req *ledgerv1.ListAccountsRequest) (*ledgerv1.ListAccountsResponse, error)
 	PostCreditWithChargesFn func(ctx context.Context, req *ledgerv1.PostCreditRequest) (*ledgerv1.PostResponse, error)
 	PostDebitWithChargesFn  func(ctx context.Context, req *ledgerv1.PostDebitRequest) (*ledgerv1.PostResponse, error)
 	TransferInternalFn      func(ctx context.Context, req *ledgerv1.TransferRequest) (*ledgerv1.PostResponse, error)
@@ -20,6 +25,27 @@ type Fake struct {
 	CloseFn                 func() error
 }

+func (f *Fake) ReadBalance(ctx context.Context, accountID string) (*moneyv1.Money, error) {
+	if f.ReadBalanceFn != nil {
+		return f.ReadBalanceFn(ctx, accountID)
+	}
+	return &moneyv1.Money{}, nil
+}
+
+func (f *Fake) CreateTransaction(ctx context.Context, tx rail.LedgerTx) (string, error) {
+	if f.CreateTransactionFn != nil {
+		return f.CreateTransactionFn(ctx, tx)
+	}
+	return "", nil
+}
+
+func (f *Fake) HoldBalance(ctx context.Context, accountID string, amount string) error {
+	if f.HoldBalanceFn != nil {
+		return f.HoldBalanceFn(ctx, accountID, amount)
+	}
+	return nil
+}
+
 func (f *Fake) CreateAccount(ctx context.Context, req *ledgerv1.CreateAccountRequest) (*ledgerv1.CreateAccountResponse, error) {
 	if f.CreateAccountFn != nil {
 		return f.CreateAccountFn(ctx, req)
--- a/api/ledger/go.mod
+++ b/api/ledger/go.mod
@@ -38,7 +38,7 @@ require (
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/pmezard/go-difflib v1.0.0 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
-	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
 	github.com/prometheus/procfs v0.19.2 // indirect
 	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
 	github.com/xdg-go/scram v1.2.0 // indirect
--- a/api/ledger/go.sum
+++ b/api/ledger/go.sum
@@ -115,8 +115,8 @@ github.com/prometheus/client_golang v1.23.2 h1:Je96obch5RDVy3FDMndoUsjAhG5Edi49h
 github.com/prometheus/client_golang v1.23.2/go.mod h1:Tb1a6LWHB3/SPIzCoaDXI4I8UHKeFTEQ1YCr+0Gyqmg=
 github.com/prometheus/client_model v0.6.2 h1:oBsgwpGs7iVziMvrGhE53c/GrLUsZdHnqNwqPLxwZyk=
 github.com/prometheus/client_model v0.6.2/go.mod h1:y3m2F6Gdpfy6Ut/GBsUqTWZqCUvMVzSfMLjcu6wAwpE=
-github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+Lvsc=
-github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
+github.com/prometheus/common v0.67.5 h1:pIgK94WWlQt1WLwAC5j2ynLaBRDiinoAb86HZHTUGI4=
+github.com/prometheus/common v0.67.5/go.mod h1:SjE/0MzDEEAyrdr5Gqc6G+sXI67maCxzaT3A2+HqjUw=
 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=
--- a/api/ledger/internal/service/ledger/accounts.go
+++ b/api/ledger/internal/service/ledger/accounts.go
@@ -3,13 +3,18 @@ package ledger
 import (
 	"context"
 	"errors"
+	"fmt"
 	"strings"

+	"github.com/tech/sendico/ledger/storage"
 	"github.com/tech/sendico/ledger/storage/model"
 	"github.com/tech/sendico/pkg/api/routers/gsresponse"
 	"github.com/tech/sendico/pkg/merrors"
+	pmodel "github.com/tech/sendico/pkg/model"
+	describablev1 "github.com/tech/sendico/pkg/proto/common/describable/v1"
 	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
 	"go.uber.org/zap"
+	"go.mongodb.org/mongo-driver/bson/primitive"
 	"google.golang.org/protobuf/types/known/timestamppb"
 )

@@ -57,11 +62,19 @@ func (s *Service) createAccountResponder(_ context.Context, req *ledgerv1.Create
 			return nil, err
 		}

+		if !req.GetIsSettlement() {
+			if _, err := s.ensureSettlementAccount(ctx, orgRef, currency); err != nil {
+				return nil, err
+			}
+		}
+
 		metadata := req.GetMetadata()
 		if len(metadata) == 0 {
 			metadata = nil
 		}

+		describable := describableFromProto(req.GetDescribable())
+
 		account := &model.Account{
 			AccountCode:   accountCode,
 			Currency:      currency,
@@ -71,6 +84,9 @@ func (s *Service) createAccountResponder(_ context.Context, req *ledgerv1.Create
 			IsSettlement:  req.GetIsSettlement(),
 			Metadata:      metadata,
 		}
+		if describable != nil {
+			account.Describable = *describable
+		}
 		account.OrganizationRef = orgRef

 		err = s.storage.Accounts().Create(ctx, account)
@@ -204,5 +220,115 @@ func toProtoAccount(account *model.Account) *ledgerv1.LedgerAccount {
 		Metadata:         metadata,
 		CreatedAt:        createdAt,
 		UpdatedAt:        updatedAt,
+		Describable:      describableToProto(account.Describable),
 	}
 }
+
+func describableFromProto(desc *describablev1.Describable) *pmodel.Describable {
+	if desc == nil {
+		return nil
+	}
+	name := strings.TrimSpace(desc.GetName())
+	var description *string
+	if desc.Description != nil {
+		trimmed := strings.TrimSpace(desc.GetDescription())
+		if trimmed != "" {
+			description = &trimmed
+		}
+	}
+	if name == "" && description == nil {
+		return nil
+	}
+	return &pmodel.Describable{
+		Name:        name,
+		Description: description,
+	}
+}
+
+func describableToProto(desc pmodel.Describable) *describablev1.Describable {
+	name := strings.TrimSpace(desc.Name)
+	var description *string
+	if desc.Description != nil {
+		trimmed := strings.TrimSpace(*desc.Description)
+		if trimmed != "" {
+			description = &trimmed
+		}
+	}
+	if name == "" && description == nil {
+		return nil
+	}
+	return &describablev1.Describable{
+		Name:        name,
+		Description: description,
+	}
+}
+
+func (s *Service) ensureSettlementAccount(ctx context.Context, orgRef primitive.ObjectID, currency string) (*model.Account, error) {
+	if s.storage == nil || s.storage.Accounts() == nil {
+		return nil, errStorageNotInitialized
+	}
+	normalizedCurrency := strings.ToUpper(strings.TrimSpace(currency))
+	if normalizedCurrency == "" {
+		return nil, merrors.InvalidArgument("currency is required")
+	}
+
+	account, err := s.storage.Accounts().GetDefaultSettlement(ctx, orgRef, normalizedCurrency)
+	if err == nil {
+		return account, nil
+	}
+	if !errors.Is(err, storage.ErrAccountNotFound) {
+		s.logger.Warn("failed to resolve default settlement account",
+			zap.Error(err),
+			zap.String("organizationRef", orgRef.Hex()),
+			zap.String("currency", normalizedCurrency))
+		return nil, merrors.Internal("failed to resolve settlement account")
+	}
+
+	accountCode := defaultSettlementAccountCode(normalizedCurrency)
+	description := "Auto-created default settlement account"
+	account = &model.Account{
+		AccountCode:   accountCode,
+		AccountType:   model.AccountTypeAsset,
+		Currency:      normalizedCurrency,
+		Status:        model.AccountStatusActive,
+		AllowNegative: true,
+		IsSettlement:  true,
+	}
+	account.OrganizationRef = orgRef
+	account.Name = fmt.Sprintf("Settlement %s", normalizedCurrency)
+	account.Description = &description
+
+	if err := s.storage.Accounts().Create(ctx, account); err != nil {
+		if errors.Is(err, merrors.ErrDataConflict) {
+			existing, lookupErr := s.storage.Accounts().GetDefaultSettlement(ctx, orgRef, normalizedCurrency)
+			if lookupErr == nil && existing != nil {
+				return existing, nil
+			}
+			s.logger.Warn("duplicate settlement account create but failed to load existing",
+				zap.Error(lookupErr),
+				zap.String("organizationRef", orgRef.Hex()),
+				zap.String("currency", normalizedCurrency))
+			return nil, merrors.Internal("failed to resolve settlement account after conflict")
+		}
+		s.logger.Warn("failed to create default settlement account",
+			zap.Error(err),
+			zap.String("organizationRef", orgRef.Hex()),
+			zap.String("currency", normalizedCurrency),
+			zap.String("accountCode", accountCode))
+		return nil, merrors.Internal("failed to create settlement account")
+	}
+
+	s.logger.Info("default settlement account created",
+		zap.String("organizationRef", orgRef.Hex()),
+		zap.String("currency", normalizedCurrency),
+		zap.String("accountCode", accountCode))
+	return account, nil
+}
+
+func defaultSettlementAccountCode(currency string) string {
+	cleaned := strings.ToLower(strings.TrimSpace(currency))
+	if cleaned == "" {
+		return "asset:settlement"
+	}
+	return fmt.Sprintf("asset:settlement:%s", cleaned)
+}
--- a/api/ledger/internal/service/ledger/accounts_test.go
+++ b/api/ledger/internal/service/ledger/accounts_test.go
@@ -16,14 +16,21 @@ import (
 )

 type accountStoreStub struct {
-	createErr   error
-	created     []*model.Account
-	existing    *model.Account
-	existingErr error
+	createErr           error
+	createErrSettlement error
+	created             []*model.Account
+	existing            *model.Account
+	existingErr         error
+	defaultSettlement   *model.Account
+	defaultErr          error
 }

 func (s *accountStoreStub) Create(_ context.Context, account *model.Account) error {
-	if s.createErr != nil {
+	if account.IsSettlement {
+		if s.createErrSettlement != nil {
+			return s.createErrSettlement
+		}
+	} else if s.createErr != nil {
 		return s.createErr
 	}
 	if account.GetID() == nil || account.GetID().IsZero() {
@@ -47,6 +54,12 @@ func (s *accountStoreStub) Get(context.Context, primitive.ObjectID) (*model.Acco
 }

 func (s *accountStoreStub) GetDefaultSettlement(context.Context, primitive.ObjectID, string) (*model.Account, error) {
+	if s.defaultErr != nil {
+		return nil, s.defaultErr
+	}
+	if s.defaultSettlement != nil {
+		return s.defaultSettlement, nil
+	}
 	return nil, storage.ErrAccountNotFound
 }

@@ -104,6 +117,47 @@ func TestCreateAccountResponder_Success(t *testing.T) {
 	require.Len(t, accountStore.created, 1)
 }

+func TestCreateAccountResponder_AutoCreatesSettlementAccount(t *testing.T) {
+	t.Parallel()
+	orgRef := primitive.NewObjectID()
+
+	accountStore := &accountStoreStub{}
+	svc := &Service{
+		logger:  zap.NewNop(),
+		storage: &repositoryStub{accounts: accountStore},
+	}
+
+	req := &ledgerv1.CreateAccountRequest{
+		OrganizationRef: orgRef.Hex(),
+		AccountCode:     "liability:customer:1",
+		AccountType:     ledgerv1.AccountType_ACCOUNT_TYPE_LIABILITY,
+		Currency:        "usd",
+	}
+
+	resp, err := svc.createAccountResponder(context.Background(), req)(context.Background())
+	require.NoError(t, err)
+	require.NotNil(t, resp)
+	require.NotNil(t, resp.Account)
+	require.Len(t, accountStore.created, 2)
+
+	var settlement *model.Account
+	var created *model.Account
+	for _, acc := range accountStore.created {
+		if acc.IsSettlement {
+			settlement = acc
+		}
+		if acc.AccountCode == "liability:customer:1" {
+			created = acc
+		}
+	}
+	require.NotNil(t, settlement)
+	require.NotNil(t, created)
+	require.Equal(t, defaultSettlementAccountCode("USD"), settlement.AccountCode)
+	require.Equal(t, model.AccountTypeAsset, settlement.AccountType)
+	require.Equal(t, "USD", settlement.Currency)
+	require.True(t, settlement.AllowNegative)
+}
+
 func TestCreateAccountResponder_DuplicateReturnsExisting(t *testing.T) {
 	t.Parallel()

--- a/api/ledger/internal/service/ledger/connector.go
+++ b/api/ledger/internal/service/ledger/connector.go
@@ -0,0 +1,693 @@
+package ledger
+
+import (
+	"context"
+	"errors"
+	"fmt"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/ledger/internal/appversion"
+	"github.com/tech/sendico/pkg/connector/params"
+	"github.com/tech/sendico/pkg/merrors"
+	describablev1 "github.com/tech/sendico/pkg/proto/common/describable/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
+	"google.golang.org/protobuf/types/known/structpb"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+const ledgerConnectorID = "ledger"
+
+type connectorAdapter struct {
+	connectorv1.UnimplementedConnectorServiceServer
+	svc *Service
+}
+
+func newConnectorAdapter(svc *Service) *connectorAdapter {
+	return &connectorAdapter{svc: svc}
+}
+
+func (c *connectorAdapter) GetCapabilities(_ context.Context, _ *connectorv1.GetCapabilitiesRequest) (*connectorv1.GetCapabilitiesResponse, error) {
+	return &connectorv1.GetCapabilitiesResponse{
+		Capabilities: &connectorv1.ConnectorCapabilities{
+			ConnectorType:         ledgerConnectorID,
+			Version:               appversion.Create().Short(),
+			SupportedAccountKinds: []connectorv1.AccountKind{connectorv1.AccountKind_LEDGER_ACCOUNT},
+			SupportedOperationTypes: []connectorv1.OperationType{
+				connectorv1.OperationType_CREDIT,
+				connectorv1.OperationType_DEBIT,
+				connectorv1.OperationType_TRANSFER,
+				connectorv1.OperationType_FX,
+			},
+			OpenAccountParams: ledgerOpenAccountParams(),
+			OperationParams:   ledgerOperationParams(),
+		},
+	}, nil
+}
+
+func (c *connectorAdapter) OpenAccount(ctx context.Context, req *connectorv1.OpenAccountRequest) (*connectorv1.OpenAccountResponse, error) {
+	if req == nil {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "open_account: request is required", nil, "")}, nil
+	}
+	if req.GetKind() != connectorv1.AccountKind_LEDGER_ACCOUNT {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND, "open_account: unsupported account kind", nil, "")}, nil
+	}
+
+	reader := params.New(req.GetParams())
+	orgRef := strings.TrimSpace(reader.String("organization_ref"))
+	accountCode := strings.TrimSpace(reader.String("account_code"))
+	if orgRef == "" || accountCode == "" {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "open_account: organization_ref and account_code are required", nil, "")}, nil
+	}
+
+	accountType, err := parseLedgerAccountType(reader, "account_type")
+	if err != nil {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), nil, "")}, nil
+	}
+
+	currency := strings.TrimSpace(req.GetAsset())
+	if currency == "" {
+		currency = strings.TrimSpace(reader.String("currency"))
+	}
+	if currency == "" {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "open_account: asset is required", nil, "")}, nil
+	}
+
+	status := parseLedgerAccountStatus(reader, "status")
+	metadata := mergeMetadata(reader.StringMap("metadata"), req.GetLabel(), req.GetOwnerRef(), req.GetCorrelationId(), req.GetParentIntentId())
+	describable := describableFromLabel(req.GetLabel(), reader.String("description"))
+
+	resp, err := c.svc.CreateAccount(ctx, &ledgerv1.CreateAccountRequest{
+		OrganizationRef: orgRef,
+		AccountCode:     accountCode,
+		AccountType:     accountType,
+		Currency:        currency,
+		Status:          status,
+		AllowNegative:   reader.Bool("allow_negative"),
+		IsSettlement:    reader.Bool("is_settlement"),
+		Metadata:        metadata,
+		Describable:     describable,
+	})
+	if err != nil {
+		return &connectorv1.OpenAccountResponse{Error: connectorError(mapErrorCode(err), err.Error(), nil, "")}, nil
+	}
+
+	return &connectorv1.OpenAccountResponse{
+		Account: ledgerAccountToConnector(resp.GetAccount()),
+	}, nil
+}
+
+func (c *connectorAdapter) GetAccount(ctx context.Context, req *connectorv1.GetAccountRequest) (*connectorv1.GetAccountResponse, error) {
+	if req == nil || req.GetAccountRef() == nil || strings.TrimSpace(req.GetAccountRef().GetAccountId()) == "" {
+		return nil, merrors.InvalidArgument("get_account: account_ref.account_id is required")
+	}
+	accountRef, err := parseObjectID(strings.TrimSpace(req.GetAccountRef().GetAccountId()))
+	if err != nil {
+		return nil, err
+	}
+	if c.svc.storage == nil || c.svc.storage.Accounts() == nil {
+		return nil, merrors.Internal("get_account: storage unavailable")
+	}
+	account, err := c.svc.storage.Accounts().Get(ctx, accountRef)
+	if err != nil {
+		return nil, err
+	}
+	return &connectorv1.GetAccountResponse{
+		Account: ledgerAccountToConnector(toProtoAccount(account)),
+	}, nil
+}
+
+func (c *connectorAdapter) ListAccounts(ctx context.Context, req *connectorv1.ListAccountsRequest) (*connectorv1.ListAccountsResponse, error) {
+	if req == nil || strings.TrimSpace(req.GetOwnerRef()) == "" {
+		return nil, merrors.InvalidArgument("list_accounts: owner_ref is required")
+	}
+	resp, err := c.svc.ListAccounts(ctx, &ledgerv1.ListAccountsRequest{OrganizationRef: strings.TrimSpace(req.GetOwnerRef())})
+	if err != nil {
+		return nil, err
+	}
+	accounts := make([]*connectorv1.Account, 0, len(resp.GetAccounts()))
+	for _, account := range resp.GetAccounts() {
+		accounts = append(accounts, ledgerAccountToConnector(account))
+	}
+	return &connectorv1.ListAccountsResponse{Accounts: accounts}, nil
+}
+
+func (c *connectorAdapter) GetBalance(ctx context.Context, req *connectorv1.GetBalanceRequest) (*connectorv1.GetBalanceResponse, error) {
+	if req == nil || req.GetAccountRef() == nil || strings.TrimSpace(req.GetAccountRef().GetAccountId()) == "" {
+		return nil, merrors.InvalidArgument("get_balance: account_ref.account_id is required")
+	}
+	resp, err := c.svc.GetBalance(ctx, &ledgerv1.GetBalanceRequest{
+		LedgerAccountRef: strings.TrimSpace(req.GetAccountRef().GetAccountId()),
+	})
+	if err != nil {
+		return nil, err
+	}
+	return &connectorv1.GetBalanceResponse{
+		Balance: &connectorv1.Balance{
+			AccountRef:      req.GetAccountRef(),
+			Available:       resp.GetBalance(),
+			CalculatedAt:    resp.GetLastUpdated(),
+			PendingInbound:  nil,
+			PendingOutbound: nil,
+		},
+	}, nil
+}
+
+func (c *connectorAdapter) SubmitOperation(ctx context.Context, req *connectorv1.SubmitOperationRequest) (*connectorv1.SubmitOperationResponse, error) {
+	if req == nil || req.GetOperation() == nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: operation is required", nil, "")}}, nil
+	}
+	op := req.GetOperation()
+	if strings.TrimSpace(op.GetIdempotencyKey()) == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: idempotency_key is required", op, "")}}, nil
+	}
+	reader := params.New(op.GetParams())
+	orgRef := strings.TrimSpace(reader.String("organization_ref"))
+	if orgRef == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: organization_ref is required", op, "")}}, nil
+	}
+
+	metadata := mergeMetadata(reader.StringMap("metadata"), "", "", op.GetCorrelationId(), op.GetParentIntentId())
+	description := strings.TrimSpace(reader.String("description"))
+	eventTime := parseEventTime(reader)
+	charges, err := parseLedgerCharges(reader)
+	if err != nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+	}
+
+	switch op.GetType() {
+	case connectorv1.OperationType_CREDIT:
+		accountID := operationAccountID(op.GetTo())
+		if accountID == "" {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "credit: to.account is required", op, "")}}, nil
+		}
+		resp, err := c.svc.PostCreditWithCharges(ctx, &ledgerv1.PostCreditRequest{
+			IdempotencyKey:         strings.TrimSpace(op.GetIdempotencyKey()),
+			OrganizationRef:        orgRef,
+			LedgerAccountRef:       accountID,
+			Money:                  op.GetMoney(),
+			Description:            description,
+			Charges:                charges,
+			Metadata:               metadata,
+			EventTime:              eventTime,
+			ContraLedgerAccountRef: strings.TrimSpace(reader.String("contra_ledger_account_ref")),
+		})
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, accountID)}}, nil
+		}
+		return &connectorv1.SubmitOperationResponse{Receipt: ledgerReceipt(resp.GetJournalEntryRef(), connectorv1.OperationStatus_CONFIRMED)}, nil
+	case connectorv1.OperationType_DEBIT:
+		accountID := operationAccountID(op.GetFrom())
+		if accountID == "" {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "debit: from.account is required", op, "")}}, nil
+		}
+		resp, err := c.svc.PostDebitWithCharges(ctx, &ledgerv1.PostDebitRequest{
+			IdempotencyKey:         strings.TrimSpace(op.GetIdempotencyKey()),
+			OrganizationRef:        orgRef,
+			LedgerAccountRef:       accountID,
+			Money:                  op.GetMoney(),
+			Description:            description,
+			Charges:                charges,
+			Metadata:               metadata,
+			EventTime:              eventTime,
+			ContraLedgerAccountRef: strings.TrimSpace(reader.String("contra_ledger_account_ref")),
+		})
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, accountID)}}, nil
+		}
+		return &connectorv1.SubmitOperationResponse{Receipt: ledgerReceipt(resp.GetJournalEntryRef(), connectorv1.OperationStatus_CONFIRMED)}, nil
+	case connectorv1.OperationType_TRANSFER:
+		fromID := operationAccountID(op.GetFrom())
+		toID := operationAccountID(op.GetTo())
+		if fromID == "" || toID == "" {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "transfer: from.account and to.account are required", op, "")}}, nil
+		}
+		resp, err := c.svc.TransferInternal(ctx, &ledgerv1.TransferRequest{
+			IdempotencyKey:       strings.TrimSpace(op.GetIdempotencyKey()),
+			OrganizationRef:      orgRef,
+			FromLedgerAccountRef: fromID,
+			ToLedgerAccountRef:   toID,
+			Money:                op.GetMoney(),
+			Description:          description,
+			Charges:              charges,
+			Metadata:             metadata,
+			EventTime:            eventTime,
+		})
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+		}
+		return &connectorv1.SubmitOperationResponse{Receipt: ledgerReceipt(resp.GetJournalEntryRef(), connectorv1.OperationStatus_CONFIRMED)}, nil
+	case connectorv1.OperationType_FX:
+		fromID := operationAccountID(op.GetFrom())
+		toID := operationAccountID(op.GetTo())
+		if fromID == "" || toID == "" {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "fx: from.account and to.account are required", op, "")}}, nil
+		}
+		toMoney, err := parseMoneyFromMap(reader.Map("to_money"))
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+		}
+		resp, err := c.svc.ApplyFXWithCharges(ctx, &ledgerv1.FXRequest{
+			IdempotencyKey:       strings.TrimSpace(op.GetIdempotencyKey()),
+			OrganizationRef:      orgRef,
+			FromLedgerAccountRef: fromID,
+			ToLedgerAccountRef:   toID,
+			FromMoney:            op.GetMoney(),
+			ToMoney:              toMoney,
+			Rate:                 strings.TrimSpace(reader.String("rate")),
+			Description:          description,
+			Charges:              charges,
+			Metadata:             metadata,
+			EventTime:            eventTime,
+		})
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+		}
+		return &connectorv1.SubmitOperationResponse{Receipt: ledgerReceipt(resp.GetJournalEntryRef(), connectorv1.OperationStatus_CONFIRMED)}, nil
+	default:
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_OPERATION, "submit_operation: unsupported operation type", op, "")}}, nil
+	}
+}
+
+func (c *connectorAdapter) GetOperation(ctx context.Context, req *connectorv1.GetOperationRequest) (*connectorv1.GetOperationResponse, error) {
+	if req == nil || strings.TrimSpace(req.GetOperationId()) == "" {
+		return nil, merrors.InvalidArgument("get_operation: operation_id is required")
+	}
+	entry, err := c.svc.GetJournalEntry(ctx, &ledgerv1.GetEntryRequest{EntryRef: strings.TrimSpace(req.GetOperationId())})
+	if err != nil {
+		return nil, err
+	}
+	return &connectorv1.GetOperationResponse{Operation: ledgerEntryToOperation(entry)}, nil
+}
+
+func (c *connectorAdapter) ListOperations(ctx context.Context, req *connectorv1.ListOperationsRequest) (*connectorv1.ListOperationsResponse, error) {
+	if req == nil || req.GetAccountRef() == nil || strings.TrimSpace(req.GetAccountRef().GetAccountId()) == "" {
+		return nil, merrors.InvalidArgument("list_operations: account_ref.account_id is required")
+	}
+	resp, err := c.svc.GetStatement(ctx, &ledgerv1.GetStatementRequest{
+		LedgerAccountRef: strings.TrimSpace(req.GetAccountRef().GetAccountId()),
+		Cursor:           "",
+		Limit:            0,
+	})
+	if err != nil {
+		return nil, err
+	}
+	ops := make([]*connectorv1.Operation, 0, len(resp.GetEntries()))
+	for _, entry := range resp.GetEntries() {
+		ops = append(ops, ledgerEntryToOperation(entry))
+	}
+	return &connectorv1.ListOperationsResponse{Operations: ops}, nil
+}
+
+func ledgerOpenAccountParams() []*connectorv1.ParamSpec {
+	return []*connectorv1.ParamSpec{
+		{Key: "organization_ref", Type: connectorv1.ParamType_STRING, Required: true, Description: "Organization reference for the ledger account."},
+		{Key: "account_code", Type: connectorv1.ParamType_STRING, Required: true, Description: "Ledger account code."},
+		{Key: "account_type", Type: connectorv1.ParamType_STRING, Required: true, Description: "ASSET | LIABILITY | REVENUE | EXPENSE."},
+		{Key: "status", Type: connectorv1.ParamType_STRING, Required: false, Description: "ACTIVE | FROZEN."},
+		{Key: "allow_negative", Type: connectorv1.ParamType_BOOL, Required: false, Description: "Allow negative balance."},
+		{Key: "is_settlement", Type: connectorv1.ParamType_BOOL, Required: false, Description: "Mark account as settlement."},
+		{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false, Description: "Additional metadata map."},
+	}
+}
+
+func ledgerOperationParams() []*connectorv1.OperationParamSpec {
+	common := []*connectorv1.ParamSpec{
+		{Key: "organization_ref", Type: connectorv1.ParamType_STRING, Required: true, Description: "Organization reference."},
+		{Key: "description", Type: connectorv1.ParamType_STRING, Required: false, Description: "Ledger entry description."},
+		{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false, Description: "Entry metadata map."},
+		{Key: "charges", Type: connectorv1.ParamType_JSON, Required: false, Description: "Posting line charges."},
+		{Key: "event_time", Type: connectorv1.ParamType_STRING, Required: false, Description: "RFC3339 timestamp."},
+	}
+	return []*connectorv1.OperationParamSpec{
+		{OperationType: connectorv1.OperationType_CREDIT, Params: append(common, &connectorv1.ParamSpec{Key: "contra_ledger_account_ref", Type: connectorv1.ParamType_STRING, Required: false})},
+		{OperationType: connectorv1.OperationType_DEBIT, Params: append(common, &connectorv1.ParamSpec{Key: "contra_ledger_account_ref", Type: connectorv1.ParamType_STRING, Required: false})},
+		{OperationType: connectorv1.OperationType_TRANSFER, Params: common},
+		{OperationType: connectorv1.OperationType_FX, Params: append(common,
+			&connectorv1.ParamSpec{Key: "to_money", Type: connectorv1.ParamType_JSON, Required: true, Description: "Target amount {amount,currency}."},
+			&connectorv1.ParamSpec{Key: "rate", Type: connectorv1.ParamType_STRING, Required: false, Description: "FX rate snapshot."},
+		)},
+	}
+}
+
+func ledgerAccountToConnector(account *ledgerv1.LedgerAccount) *connectorv1.Account {
+	if account == nil {
+		return nil
+	}
+	details, _ := structpb.NewStruct(map[string]interface{}{
+		"account_code":   account.GetAccountCode(),
+		"account_type":   account.GetAccountType().String(),
+		"status":         account.GetStatus().String(),
+		"allow_negative": account.GetAllowNegative(),
+		"is_settlement":  account.GetIsSettlement(),
+	})
+	describable := ledgerAccountDescribable(account)
+	return &connectorv1.Account{
+		Ref: &connectorv1.AccountRef{
+			ConnectorId: ledgerConnectorID,
+			AccountId:   strings.TrimSpace(account.GetLedgerAccountRef()),
+		},
+		Kind:            connectorv1.AccountKind_LEDGER_ACCOUNT,
+		Asset:           strings.TrimSpace(account.GetCurrency()),
+		State:           ledgerAccountState(account.GetStatus()),
+		Label:           strings.TrimSpace(account.GetAccountCode()),
+		OwnerRef:        strings.TrimSpace(account.GetOrganizationRef()),
+		ProviderDetails: details,
+		CreatedAt:       account.GetCreatedAt(),
+		UpdatedAt:       account.GetUpdatedAt(),
+		Describable:     describable,
+	}
+}
+
+func ledgerAccountState(status ledgerv1.AccountStatus) connectorv1.AccountState {
+	switch status {
+	case ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE:
+		return connectorv1.AccountState_ACCOUNT_ACTIVE
+	case ledgerv1.AccountStatus_ACCOUNT_STATUS_FROZEN:
+		return connectorv1.AccountState_ACCOUNT_SUSPENDED
+	default:
+		return connectorv1.AccountState_ACCOUNT_STATE_UNSPECIFIED
+	}
+}
+
+func ledgerAccountDescribable(account *ledgerv1.LedgerAccount) *describablev1.Describable {
+	if account == nil {
+		return nil
+	}
+	if desc := cleanedDescribable(account.GetDescribable()); desc != nil {
+		return desc
+	}
+	metadata := account.GetMetadata()
+	name := ""
+	if metadata != nil {
+		if v := strings.TrimSpace(metadata["name"]); v != "" {
+			name = v
+		} else if v := strings.TrimSpace(metadata["label"]); v != "" {
+			name = v
+		}
+	}
+	if name == "" {
+		name = strings.TrimSpace(account.GetAccountCode())
+	}
+	desc := ""
+	if metadata != nil {
+		desc = strings.TrimSpace(metadata["description"])
+	}
+	if name == "" && desc == "" {
+		return nil
+	}
+	if desc == "" {
+		return &describablev1.Describable{Name: name}
+	}
+	return &describablev1.Describable{Name: name, Description: &desc}
+}
+
+func describableFromLabel(label, description string) *describablev1.Describable {
+	label = strings.TrimSpace(label)
+	description = strings.TrimSpace(description)
+	if label == "" && description == "" {
+		return nil
+	}
+	if description == "" {
+		return &describablev1.Describable{Name: label}
+	}
+	return &describablev1.Describable{Name: label, Description: &description}
+}
+
+func cleanedDescribable(desc *describablev1.Describable) *describablev1.Describable {
+	if desc == nil {
+		return nil
+	}
+	name := strings.TrimSpace(desc.GetName())
+	var description *string
+	if desc.Description != nil {
+		trimmed := strings.TrimSpace(desc.GetDescription())
+		if trimmed != "" {
+			description = &trimmed
+		}
+	}
+	if name == "" && description == nil {
+		return nil
+	}
+	return &describablev1.Describable{
+		Name:        name,
+		Description: description,
+	}
+}
+
+func ledgerReceipt(ref string, status connectorv1.OperationStatus) *connectorv1.OperationReceipt {
+	return &connectorv1.OperationReceipt{
+		OperationId: strings.TrimSpace(ref),
+		Status:      status,
+		ProviderRef: strings.TrimSpace(ref),
+	}
+}
+
+func ledgerEntryToOperation(entry *ledgerv1.JournalEntryResponse) *connectorv1.Operation {
+	if entry == nil {
+		return nil
+	}
+	op := &connectorv1.Operation{
+		OperationId: strings.TrimSpace(entry.GetEntryRef()),
+		Type:        ledgerEntryType(entry.GetEntryType()),
+		Status:      connectorv1.OperationStatus_CONFIRMED,
+		CreatedAt:   entry.GetEventTime(),
+		UpdatedAt:   entry.GetEventTime(),
+	}
+	mainLines := ledgerMainLines(entry.GetLines())
+	if len(mainLines) > 0 {
+		op.Money = mainLines[0].GetMoney()
+	}
+	switch op.Type {
+	case connectorv1.OperationType_CREDIT:
+		if len(mainLines) > 0 {
+			op.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: ledgerConnectorID, AccountId: mainLines[0].GetLedgerAccountRef()}}}
+		}
+	case connectorv1.OperationType_DEBIT:
+		if len(mainLines) > 0 {
+			op.From = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: ledgerConnectorID, AccountId: mainLines[0].GetLedgerAccountRef()}}}
+		}
+	case connectorv1.OperationType_TRANSFER, connectorv1.OperationType_FX:
+		if len(mainLines) > 0 {
+			op.From = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: ledgerConnectorID, AccountId: mainLines[0].GetLedgerAccountRef()}}}
+		}
+		if len(mainLines) > 1 {
+			op.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{ConnectorId: ledgerConnectorID, AccountId: mainLines[1].GetLedgerAccountRef()}}}
+		}
+	}
+	return op
+}
+
+func ledgerMainLines(lines []*ledgerv1.PostingLine) []*ledgerv1.PostingLine {
+	if len(lines) == 0 {
+		return nil
+	}
+	result := make([]*ledgerv1.PostingLine, 0, len(lines))
+	for _, line := range lines {
+		if line == nil {
+			continue
+		}
+		if line.GetLineType() == ledgerv1.LineType_LINE_MAIN {
+			result = append(result, line)
+		}
+	}
+	return result
+}
+
+func ledgerEntryType(entryType ledgerv1.EntryType) connectorv1.OperationType {
+	switch entryType {
+	case ledgerv1.EntryType_ENTRY_CREDIT:
+		return connectorv1.OperationType_CREDIT
+	case ledgerv1.EntryType_ENTRY_DEBIT:
+		return connectorv1.OperationType_DEBIT
+	case ledgerv1.EntryType_ENTRY_TRANSFER:
+		return connectorv1.OperationType_TRANSFER
+	case ledgerv1.EntryType_ENTRY_FX:
+		return connectorv1.OperationType_FX
+	default:
+		return connectorv1.OperationType_OPERATION_TYPE_UNSPECIFIED
+	}
+}
+
+func operationAccountID(party *connectorv1.OperationParty) string {
+	if party == nil {
+		return ""
+	}
+	if account := party.GetAccount(); account != nil {
+		return strings.TrimSpace(account.GetAccountId())
+	}
+	return ""
+}
+
+func parseLedgerAccountType(reader params.Reader, key string) (ledgerv1.AccountType, error) {
+	value, ok := reader.Value(key)
+	if !ok {
+		return ledgerv1.AccountType_ACCOUNT_TYPE_UNSPECIFIED, merrors.InvalidArgument("open_account: account_type is required")
+	}
+	switch v := value.(type) {
+	case string:
+		return parseLedgerAccountTypeString(v)
+	case float64:
+		return ledgerv1.AccountType(int32(v)), nil
+	case int:
+		return ledgerv1.AccountType(v), nil
+	case int64:
+		return ledgerv1.AccountType(v), nil
+	default:
+		return ledgerv1.AccountType_ACCOUNT_TYPE_UNSPECIFIED, merrors.InvalidArgument("open_account: account_type is required")
+	}
+}
+
+func parseLedgerAccountTypeString(value string) (ledgerv1.AccountType, error) {
+	switch strings.ToUpper(strings.TrimSpace(value)) {
+	case "ACCOUNT_TYPE_ASSET", "ASSET":
+		return ledgerv1.AccountType_ACCOUNT_TYPE_ASSET, nil
+	case "ACCOUNT_TYPE_LIABILITY", "LIABILITY":
+		return ledgerv1.AccountType_ACCOUNT_TYPE_LIABILITY, nil
+	case "ACCOUNT_TYPE_REVENUE", "REVENUE":
+		return ledgerv1.AccountType_ACCOUNT_TYPE_REVENUE, nil
+	case "ACCOUNT_TYPE_EXPENSE", "EXPENSE":
+		return ledgerv1.AccountType_ACCOUNT_TYPE_EXPENSE, nil
+	default:
+		return ledgerv1.AccountType_ACCOUNT_TYPE_UNSPECIFIED, merrors.InvalidArgument("open_account: invalid account_type")
+	}
+}
+
+func parseLedgerAccountStatus(reader params.Reader, key string) ledgerv1.AccountStatus {
+	value := strings.ToUpper(strings.TrimSpace(reader.String(key)))
+	switch value {
+	case "ACCOUNT_STATUS_ACTIVE", "ACTIVE":
+		return ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE
+	case "ACCOUNT_STATUS_FROZEN", "FROZEN":
+		return ledgerv1.AccountStatus_ACCOUNT_STATUS_FROZEN
+	default:
+		return ledgerv1.AccountStatus_ACCOUNT_STATUS_UNSPECIFIED
+	}
+}
+
+func parseEventTime(reader params.Reader) *timestamppb.Timestamp {
+	raw := strings.TrimSpace(reader.String("event_time"))
+	if raw == "" {
+		return nil
+	}
+	parsed, err := time.Parse(time.RFC3339Nano, raw)
+	if err != nil {
+		return nil
+	}
+	return timestamppb.New(parsed)
+}
+
+func parseLedgerCharges(reader params.Reader) ([]*ledgerv1.PostingLine, error) {
+	items := reader.List("charges")
+	if len(items) == 0 {
+		return nil, nil
+	}
+	result := make([]*ledgerv1.PostingLine, 0, len(items))
+	for i, item := range items {
+		raw, ok := item.(map[string]interface{})
+		if !ok {
+			return nil, merrors.InvalidArgument(fmt.Sprintf("charges[%d]: invalid charge entry", i))
+		}
+		accountRef := strings.TrimSpace(fmt.Sprint(raw["ledger_account_ref"]))
+		if accountRef == "" {
+			return nil, merrors.InvalidArgument(fmt.Sprintf("charges[%d]: ledger_account_ref is required", i))
+		}
+		money, err := parseMoneyFromMap(raw)
+		if err != nil {
+			return nil, merrors.InvalidArgumentWrap(err, fmt.Sprintf("charges[%d]: invalid money", i))
+		}
+		lineType := parseLedgerLineType(fmt.Sprint(raw["line_type"]))
+		result = append(result, &ledgerv1.PostingLine{
+			LedgerAccountRef: accountRef,
+			Money:            money,
+			LineType:         lineType,
+		})
+	}
+	return result, nil
+}
+
+func parseLedgerLineType(value string) ledgerv1.LineType {
+	switch strings.ToUpper(strings.TrimSpace(value)) {
+	case "LINE_TYPE_FEE", "FEE":
+		return ledgerv1.LineType_LINE_FEE
+	case "LINE_TYPE_SPREAD", "SPREAD":
+		return ledgerv1.LineType_LINE_SPREAD
+	case "LINE_TYPE_REVERSAL", "REVERSAL":
+		return ledgerv1.LineType_LINE_REVERSAL
+	default:
+		return ledgerv1.LineType_LINE_FEE
+	}
+}
+
+func parseMoneyFromMap(raw map[string]interface{}) (*moneyv1.Money, error) {
+	if raw == nil {
+		return nil, merrors.InvalidArgument("money is required")
+	}
+	amount := strings.TrimSpace(fmt.Sprint(raw["amount"]))
+	currency := strings.TrimSpace(fmt.Sprint(raw["currency"]))
+	if amount == "" || currency == "" {
+		return nil, merrors.InvalidArgument("money is required")
+	}
+	return &moneyv1.Money{
+		Amount:   amount,
+		Currency: currency,
+	}, nil
+}
+
+func mergeMetadata(base map[string]string, label, ownerRef, correlationID, parentIntentID string) map[string]string {
+	metadata := map[string]string{}
+	for k, v := range base {
+		metadata[strings.TrimSpace(k)] = strings.TrimSpace(v)
+	}
+	if label != "" {
+		if _, ok := metadata["label"]; !ok {
+			metadata["label"] = label
+		}
+	}
+	if ownerRef != "" {
+		if _, ok := metadata["owner_ref"]; !ok {
+			metadata["owner_ref"] = ownerRef
+		}
+	}
+	if correlationID != "" {
+		metadata["correlation_id"] = correlationID
+	}
+	if parentIntentID != "" {
+		metadata["parent_intent_id"] = parentIntentID
+	}
+	if len(metadata) == 0 {
+		return nil
+	}
+	return metadata
+}
+
+func connectorError(code connectorv1.ErrorCode, message string, op *connectorv1.Operation, accountID string) *connectorv1.ConnectorError {
+	err := &connectorv1.ConnectorError{
+		Code:      code,
+		Message:   strings.TrimSpace(message),
+		AccountId: strings.TrimSpace(accountID),
+	}
+	if op != nil {
+		err.CorrelationId = strings.TrimSpace(op.GetCorrelationId())
+		err.ParentIntentId = strings.TrimSpace(op.GetParentIntentId())
+		err.OperationId = strings.TrimSpace(op.GetOperationId())
+	}
+	return err
+}
+
+func mapErrorCode(err error) connectorv1.ErrorCode {
+	switch {
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return connectorv1.ErrorCode_INVALID_PARAMS
+	case errors.Is(err, merrors.ErrNoData):
+		return connectorv1.ErrorCode_NOT_FOUND
+	case errors.Is(err, merrors.ErrNotImplemented):
+		return connectorv1.ErrorCode_UNSUPPORTED_OPERATION
+	case errors.Is(err, merrors.ErrInternal):
+		return connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE
+	default:
+		return connectorv1.ErrorCode_PROVIDER_ERROR
+	}
+}
--- a/api/ledger/internal/service/ledger/service.go
+++ b/api/ledger/internal/service/ledger/service.go
@@ -16,11 +16,15 @@ import (
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"

+	"github.com/tech/sendico/ledger/internal/appversion"
 	"github.com/tech/sendico/ledger/storage"
 	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
 	pmessaging "github.com/tech/sendico/pkg/messaging"
 	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
 	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
 )

@@ -35,17 +39,17 @@ var (
 )

 type Service struct {
-	logger   mlogger.Logger
-	storage  storage.Repository
-	producer pmessaging.Producer
-	fees     feesDependency
+	logger    mlogger.Logger
+	storage   storage.Repository
+	producer  pmessaging.Producer
+	fees      feesDependency
+	announcer *discovery.Announcer

 	outbox struct {
 		once      sync.Once
 		cancel    context.CancelFunc
 		publisher *outboxPublisher
 	}
-	ledgerv1.UnimplementedLedgerServiceServer
 }

 type feesDependency struct {
@@ -72,12 +76,13 @@ func NewService(logger mlogger.Logger, repo storage.Repository, prod pmessaging.
 	}

 	service.startOutboxPublisher()
+	service.startDiscoveryAnnouncer()
 	return service
 }

 func (s *Service) Register(router routers.GRPC) error {
 	return router.Register(func(reg grpc.ServiceRegistrar) {
-		ledgerv1.RegisterLedgerServiceServer(reg, s)
+		connectorv1.RegisterConnectorServiceServer(reg, newConnectorAdapter(s))
 	})
 }

@@ -184,11 +189,28 @@ func (s *Service) Shutdown() {
 	if s == nil {
 		return
 	}
+	if s.announcer != nil {
+		s.announcer.Stop()
+	}
 	if s.outbox.cancel != nil {
 		s.outbox.cancel()
 	}
 }

+func (s *Service) startDiscoveryAnnouncer() {
+	if s == nil || s.producer == nil {
+		return
+	}
+	announce := discovery.Announcement{
+		Service:    "LEDGER",
+		Operations: []string{"balance.read", "ledger.debit", "ledger.credit"},
+		InvokeURI:  discovery.DefaultInvokeURI(string(mservice.Ledger)),
+		Version:    appversion.Create().Short(),
+	}
+	s.announcer = discovery.NewAnnouncer(s.logger, s.producer, string(mservice.Ledger), announce)
+	s.announcer.Start()
+}
+
 func (s *Service) startOutboxPublisher() {
 	if s.storage == nil || s.producer == nil {
 		return
@@ -214,13 +236,6 @@ func (s *Service) GetStatement(ctx context.Context, req *ledgerv1.GetStatementRe
 	return responder(ctx)
 }

-func (s *Service) pingStorage(ctx context.Context) error {
-	if s.storage == nil {
-		return errStorageNotInitialized
-	}
-	return s.storage.Ping(ctx)
-}
-
 func (s *Service) quoteFeesForCredit(ctx context.Context, req *ledgerv1.PostCreditRequest) ([]*ledgerv1.PostingLine, error) {
 	if !s.fees.available() {
 		return nil, nil
--- a/api/ledger/storage/model/account.go
+++ b/api/ledger/storage/model/account.go
@@ -9,6 +9,7 @@ import (
 type Account struct {
 	storable.Base         `bson:",inline" json:",inline"`
 	model.PermissionBound `bson:",inline" json:",inline"`
+	model.Describable     `bson:",inline" json:",inline"`

 	AccountCode   string            `bson:"accountCode" json:"accountCode"`                       // e.g., "asset:cash:usd"
 	Currency      string            `bson:"currency" json:"currency"`                             // ISO 4217 currency code
--- a/api/notification/config.yml
+++ b/api/notification/config.yml
@@ -36,6 +36,7 @@ api:
    message_broker:
      driver: NATS
      settings:
+        url_env: NATS_URL
        host_env: NATS_HOST         
        port_env: NATS_PORT         
        username_env: NATS_USER     
--- a/api/notification/go.mod
+++ b/api/notification/go.mod
@@ -5,10 +5,10 @@ go 1.25.3
 replace github.com/tech/sendico/pkg => ../pkg

 require (
-	github.com/amplitude/analytics-go v1.2.0
+	github.com/amplitude/analytics-go v1.3.0
 	github.com/go-chi/chi/v5 v5.2.3
 	github.com/mitchellh/mapstructure v1.5.0
-	github.com/nicksnyder/go-i18n/v2 v2.6.0
+	github.com/nicksnyder/go-i18n/v2 v2.6.1
 	github.com/sendgrid/sendgrid-go v3.16.1+incompatible
 	github.com/tech/sendico/pkg v0.1.0
 	github.com/xhit/go-simple-mail/v2 v2.16.0
@@ -38,7 +38,7 @@ require (
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_golang v1.23.2 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
-	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
 	github.com/prometheus/procfs v0.19.2 // indirect
 	github.com/sendgrid/rest v2.6.9+incompatible // indirect
 	github.com/toorop/go-dkim v0.0.0-20250226130143-9025cce95817 // indirect
--- a/api/notification/go.sum
+++ b/api/notification/go.sum
@@ -2,12 +2,12 @@ dario.cat/mergo v1.0.1 h1:Ra4+bf83h2ztPIQYNP99R6m+Y7KfnARDfID+a+vLl4s=
 dario.cat/mergo v1.0.1/go.mod h1:uNxQE+84aUszobStD9th8a29P2fMDhsBdgRYvZOxGmk=
 github.com/Azure/go-ansiterm v0.0.0-20230124172434-306776ec8161 h1:L/gRVlceqvL25UVaW/CKtUDjefjrs0SPonmDGUVOYP0=
 github.com/Azure/go-ansiterm v0.0.0-20230124172434-306776ec8161/go.mod h1:xomTg63KZ2rFqZQzSB4Vz2SUXa1BpHTVz9L5PTmPC4E=
-github.com/BurntSushi/toml v1.5.0 h1:W5quZX/G/csjUnuI8SUYlsHs9M38FC7znL0lIO+DvMg=
-github.com/BurntSushi/toml v1.5.0/go.mod h1:ukJfTF/6rtPPRCnwkur4qwRxa8vTRFBF0uk2lLoLwho=
+github.com/BurntSushi/toml v1.6.0 h1:dRaEfpa2VI55EwlIW72hMRHdWouJeRF7TPYhI+AUQjk=
+github.com/BurntSushi/toml v1.6.0/go.mod h1:ukJfTF/6rtPPRCnwkur4qwRxa8vTRFBF0uk2lLoLwho=
 github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
 github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
-github.com/amplitude/analytics-go v1.2.0 h1:+WUKyAAKwlmSM8d03QWG+NjnrQIyc6VJRGPNkaa2ckI=
-github.com/amplitude/analytics-go v1.2.0/go.mod h1:kAQG8OQ6aPOxZrEZ3+/NFCfxdYSyjqXZhgkjWFD3/vo=
+github.com/amplitude/analytics-go v1.3.0 h1:Lgj31fWThQ6hdDHO0RPxQfy/D7d8K+aqWsBa+IGTxQk=
+github.com/amplitude/analytics-go v1.3.0/go.mod h1:kAQG8OQ6aPOxZrEZ3+/NFCfxdYSyjqXZhgkjWFD3/vo=
 github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=
 github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6rlkpw=
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
@@ -105,8 +105,8 @@ github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
 github.com/nats-io/nuid v1.0.1/go.mod h1:19wcPz3Ph3q0Jbyiqsd0kePYG7A95tJPxeL+1OSON2c=
-github.com/nicksnyder/go-i18n/v2 v2.6.0 h1:C/m2NNWNiTB6SK4Ao8df5EWm3JETSTIGNXBpMJTxzxQ=
-github.com/nicksnyder/go-i18n/v2 v2.6.0/go.mod h1:88sRqr0C6OPyJn0/KRNaEz1uWorjxIKP7rUUcvycecE=
+github.com/nicksnyder/go-i18n/v2 v2.6.1 h1:JDEJraFsQE17Dut9HFDHzCoAWGEQJom5s0TRd17NIEQ=
+github.com/nicksnyder/go-i18n/v2 v2.6.1/go.mod h1:Vee0/9RD3Quc/NmwEjzzD7VTZ+Ir7QbXocrkhOzmUKA=
 github.com/opencontainers/go-digest v1.0.0 h1:apOUWs51W5PlhuyGyz9FCeeBIOUDA/6nW8Oi/yOhh5U=
 github.com/opencontainers/go-digest v1.0.0/go.mod h1:0JzlMkj0TRzQZfJkVvzbP0HBR3IKzErnv2BNG4W4MAM=
 github.com/opencontainers/image-spec v1.1.0 h1:8SG7/vwALn54lVB/0yZ/MMwhFrPYtpEHQb2IpWsCzug=
@@ -121,8 +121,8 @@ github.com/prometheus/client_golang v1.23.2 h1:Je96obch5RDVy3FDMndoUsjAhG5Edi49h
 github.com/prometheus/client_golang v1.23.2/go.mod h1:Tb1a6LWHB3/SPIzCoaDXI4I8UHKeFTEQ1YCr+0Gyqmg=
 github.com/prometheus/client_model v0.6.2 h1:oBsgwpGs7iVziMvrGhE53c/GrLUsZdHnqNwqPLxwZyk=
 github.com/prometheus/client_model v0.6.2/go.mod h1:y3m2F6Gdpfy6Ut/GBsUqTWZqCUvMVzSfMLjcu6wAwpE=
-github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+Lvsc=
-github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
+github.com/prometheus/common v0.67.5 h1:pIgK94WWlQt1WLwAC5j2ynLaBRDiinoAb86HZHTUGI4=
+github.com/prometheus/common v0.67.5/go.mod h1:SjE/0MzDEEAyrdr5Gqc6G+sXI67maCxzaT3A2+HqjUw=
 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=
@@ -189,6 +189,8 @@ go.uber.org/zap v1.27.1 h1:08RqriUEv8+ArZRYSTXy1LeBScaMpVSTBhCeaZYfMYc=
 go.uber.org/zap v1.27.1/go.mod h1:GB2qFLM7cTU87MWRP2mPIjqfIDnGu+VIO4V/SdhGo2E=
 go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
+go.yaml.in/yaml/v3 v3.0.4 h1:tfq32ie2Jv2UxXFdLJdh3jXuOzWiL1fo0bu/FbuKpbc=
+go.yaml.in/yaml/v3 v3.0.4/go.mod h1:DhzuOOF2ATzADvBadXxruRBLzYTpT36CKvDb3+aBEFg=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
 golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
--- a/api/notification/interface/api/api.go
+++ b/api/notification/interface/api/api.go
@@ -1,6 +1,7 @@
 package api

 import (
+	"github.com/go-chi/chi/v5"
 	"github.com/tech/sendico/notification/interface/api/localizer"
 	"github.com/tech/sendico/pkg/db"
 	"github.com/tech/sendico/pkg/domainprovider"
@@ -16,6 +17,7 @@ type API interface {
 	Register() messaging.Register
 	Localizer() localizer.Localizer
 	DomainProvider() domainprovider.DomainProvider
+	Router() *chi.Mux
 }

 type MicroServiceFactoryT = func(API) (mservice.MicroService, error)
--- a/api/notification/internal/api/api.go
+++ b/api/notification/internal/api/api.go
@@ -27,6 +27,7 @@ type APIImp struct {
 	services  Microservices
 	debug     bool
 	mw        *Middleware
+	router    *chi.Mux
 }

 func (a *APIImp) installMicroservice(srv mservice.MicroService) {
@@ -69,6 +70,10 @@ func (a *APIImp) Register() messaging.Register {
 	return a.mw
 }

+func (a *APIImp) Router() *chi.Mux {
+	return a.router
+}
+
 func (a *APIImp) installServices() error {
 	srvf := make([]api.MicroServiceFactoryT, 0)

@@ -117,6 +122,7 @@ func CreateAPI(logger mlogger.Logger, config *api.Config, l localizer.Localizer,
 	p.config = config
 	p.db = db
 	p.localizer = l
+	p.router = router

 	var err error
 	if p.domain, err = domainprovider.CreateDomainProvider(p.logger, config.Mw.DomainEnv, config.Mw.APIProtocolEnv, config.Mw.EndPointEnv); err != nil {
--- a/api/notification/internal/server/notificationimp/confirmation.go
+++ b/api/notification/internal/server/notificationimp/confirmation.go
@@ -0,0 +1,403 @@
+package notificationimp
+
+import (
+	"context"
+	"regexp"
+	"strconv"
+	"strings"
+	"sync"
+	"time"
+
+	"github.com/tech/sendico/notification/internal/server/notificationimp/telegram"
+	msg "github.com/tech/sendico/pkg/messaging"
+	confirmations "github.com/tech/sendico/pkg/messaging/notifications/confirmations"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
+	"github.com/tech/sendico/pkg/mservice"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	"go.uber.org/zap"
+)
+
+const (
+	defaultConfirmationTimeout = 120 * time.Second
+)
+
+type confirmationManager struct {
+	logger mlogger.Logger
+	tg     telegram.Client
+	sender string
+	outbox msg.Producer
+
+	mu               sync.Mutex
+	pendingByMessage map[string]*confirmationState
+	pendingByRequest map[string]*confirmationState
+}
+
+type confirmationState struct {
+	request           model.ConfirmationRequest
+	requestMessageID  string
+	targetChatID      string
+	callbackSubject   string
+	clarified         bool
+	timer             *time.Timer
+}
+
+func newConfirmationManager(logger mlogger.Logger, tg telegram.Client, outbox msg.Producer) *confirmationManager {
+	if logger != nil {
+		logger = logger.Named("confirmations")
+	}
+	return &confirmationManager{
+		logger:           logger,
+		tg:               tg,
+		outbox:           outbox,
+		sender:           string(mservice.Notifications),
+		pendingByMessage: map[string]*confirmationState{},
+		pendingByRequest: map[string]*confirmationState{},
+	}
+}
+
+func (m *confirmationManager) Stop() {
+	if m == nil {
+		return
+	}
+	m.mu.Lock()
+	defer m.mu.Unlock()
+	for _, state := range m.pendingByMessage {
+		if state.timer != nil {
+			state.timer.Stop()
+		}
+	}
+	m.pendingByMessage = map[string]*confirmationState{}
+	m.pendingByRequest = map[string]*confirmationState{}
+}
+
+func (m *confirmationManager) HandleRequest(ctx context.Context, request *model.ConfirmationRequest) error {
+	if m == nil {
+		return merrors.Internal("confirmation manager is nil")
+	}
+	if request == nil {
+		return merrors.InvalidArgument("confirmation request is nil", "request")
+	}
+	if m.tg == nil {
+		return merrors.InvalidArgument("telegram client is not configured", "telegram")
+	}
+
+	req := normalizeConfirmationRequest(*request)
+	if req.RequestID == "" {
+		return merrors.InvalidArgument("confirmation request_id is required", "request_id")
+	}
+	if req.TargetChatID == "" {
+		return merrors.InvalidArgument("confirmation target_chat_id is required", "target_chat_id")
+	}
+	if req.RequestedMoney == nil || strings.TrimSpace(req.RequestedMoney.Amount) == "" || strings.TrimSpace(req.RequestedMoney.Currency) == "" {
+		return merrors.InvalidArgument("confirmation requested_money is required", "requested_money")
+	}
+	if req.SourceService == "" {
+		return merrors.InvalidArgument("confirmation source_service is required", "source_service")
+	}
+
+	m.mu.Lock()
+	if _, ok := m.pendingByRequest[req.RequestID]; ok {
+		m.mu.Unlock()
+		m.logger.Info("Confirmation request already pending", zap.String("request_id", req.RequestID))
+		return nil
+	}
+	m.mu.Unlock()
+
+	message := confirmationPrompt(&req)
+	sent, err := m.tg.SendText(ctx, req.TargetChatID, message, "")
+	if err != nil {
+		m.logger.Warn("Failed to send confirmation request to Telegram", zap.Error(err), zap.String("request_id", req.RequestID))
+		return err
+	}
+	if sent == nil || strings.TrimSpace(sent.MessageID) == "" {
+		return merrors.Internal("telegram confirmation message id is missing")
+	}
+
+	state := &confirmationState{
+		request:          req,
+		requestMessageID: strings.TrimSpace(sent.MessageID),
+		targetChatID:     strings.TrimSpace(req.TargetChatID),
+		callbackSubject:  confirmationCallbackSubject(req.SourceService, req.Rail),
+	}
+	timeout := time.Duration(req.TimeoutSeconds) * time.Second
+	if timeout <= 0 {
+		timeout = defaultConfirmationTimeout
+	}
+	state.timer = time.AfterFunc(timeout, func() {
+		m.handleTimeout(state.requestMessageID)
+	})
+
+	m.mu.Lock()
+	m.pendingByMessage[state.requestMessageID] = state
+	m.pendingByRequest[req.RequestID] = state
+	m.mu.Unlock()
+
+	m.logger.Info("Confirmation request sent", zap.String("request_id", req.RequestID), zap.String("message_id", state.requestMessageID), zap.String("callback_subject", state.callbackSubject))
+	return nil
+}
+
+func (m *confirmationManager) HandleUpdate(ctx context.Context, update *telegram.Update) {
+	if m == nil || update == nil || update.Message == nil {
+		return
+	}
+	message := update.Message
+	if message.ReplyToMessage == nil {
+		return
+	}
+
+	replyToID := strconv.FormatInt(message.ReplyToMessage.MessageID, 10)
+	state := m.lookupByMessageID(replyToID)
+	if state == nil {
+		return
+	}
+
+	chatID := strconv.FormatInt(message.Chat.ID, 10)
+	if chatID != state.targetChatID {
+		m.logger.Debug("Telegram reply ignored: chat mismatch", zap.String("expected_chat_id", state.targetChatID), zap.String("chat_id", chatID))
+		return
+	}
+
+	rawReply := message.ToModel()
+	if !state.isUserAllowed(message.From) {
+		m.publishResult(state, &model.ConfirmationResult{
+			RequestID:  state.request.RequestID,
+			Status:     model.ConfirmationStatusRejected,
+			ParseError: "unauthorized_user",
+			RawReply:   rawReply,
+		})
+		m.sendNotice(ctx, state, rawReply, "Only approved users can confirm this payment.")
+		m.removeState(state.requestMessageID)
+		return
+	}
+
+	money, reason, err := parseConfirmationReply(message.Text)
+	if err != nil {
+		m.mu.Lock()
+		state.clarified = true
+		m.mu.Unlock()
+		m.sendNotice(ctx, state, rawReply, clarificationMessage(reason))
+		return
+	}
+
+	m.mu.Lock()
+	clarified := state.clarified
+	m.mu.Unlock()
+	status := model.ConfirmationStatusConfirmed
+	if clarified {
+		status = model.ConfirmationStatusClarified
+	}
+	m.publishResult(state, &model.ConfirmationResult{
+		RequestID: state.request.RequestID,
+		Money:     money,
+		RawReply:  rawReply,
+		Status:    status,
+	})
+	m.removeState(state.requestMessageID)
+}
+
+func (m *confirmationManager) lookupByMessageID(messageID string) *confirmationState {
+	m.mu.Lock()
+	defer m.mu.Unlock()
+	return m.pendingByMessage[strings.TrimSpace(messageID)]
+}
+
+func (m *confirmationManager) handleTimeout(messageID string) {
+	state := m.lookupByMessageID(messageID)
+	if state == nil {
+		return
+	}
+	m.publishResult(state, &model.ConfirmationResult{
+		RequestID: state.request.RequestID,
+		Status:    model.ConfirmationStatusTimeout,
+	})
+	m.removeState(messageID)
+}
+
+func (m *confirmationManager) removeState(messageID string) {
+	messageID = strings.TrimSpace(messageID)
+	if messageID == "" {
+		return
+	}
+	m.mu.Lock()
+	state := m.pendingByMessage[messageID]
+	if state != nil && state.timer != nil {
+		state.timer.Stop()
+	}
+	delete(m.pendingByMessage, messageID)
+	if state != nil {
+		delete(m.pendingByRequest, state.request.RequestID)
+	}
+	m.mu.Unlock()
+}
+
+func (m *confirmationManager) publishResult(state *confirmationState, result *model.ConfirmationResult) {
+	if m == nil || state == nil || result == nil {
+		return
+	}
+	if m.outbox == nil {
+		m.logger.Warn("Confirmation result skipped: producer not configured", zap.String("request_id", state.request.RequestID))
+		return
+	}
+	env := confirmations.ConfirmationResult(m.sender, result, state.request.SourceService, state.request.Rail)
+	if err := m.outbox.SendMessage(env); err != nil {
+		m.logger.Warn("Failed to publish confirmation result", zap.Error(err), zap.String("request_id", state.request.RequestID))
+		return
+	}
+	m.logger.Info("Confirmation result published", zap.String("request_id", state.request.RequestID), zap.String("status", string(result.Status)))
+}
+
+func (m *confirmationManager) sendNotice(ctx context.Context, state *confirmationState, reply *model.TelegramMessage, text string) {
+	if m == nil || m.tg == nil || state == nil {
+		return
+	}
+	replyID := ""
+	if reply != nil {
+		replyID = reply.MessageID
+	}
+	if _, err := m.tg.SendText(ctx, state.targetChatID, text, replyID); err != nil {
+		m.logger.Warn("Failed to send clarification notice", zap.Error(err), zap.String("request_id", state.request.RequestID))
+	}
+}
+
+func (s *confirmationState) isUserAllowed(user *telegram.User) bool {
+	if s == nil {
+		return false
+	}
+	allowed := s.request.AcceptedUserIDs
+	if len(allowed) == 0 {
+		return true
+	}
+	if user == nil {
+		return false
+	}
+	userID := strconv.FormatInt(user.ID, 10)
+	for _, id := range allowed {
+		if id == userID {
+			return true
+		}
+	}
+	return false
+}
+
+func confirmationCallbackSubject(sourceService, rail string) string {
+	sourceService = strings.ToLower(strings.TrimSpace(sourceService))
+	if sourceService == "" {
+		sourceService = "unknown"
+	}
+	rail = strings.ToLower(strings.TrimSpace(rail))
+	if rail == "" {
+		rail = "default"
+	}
+	return "confirmations." + sourceService + "." + rail
+}
+
+func normalizeConfirmationRequest(request model.ConfirmationRequest) model.ConfirmationRequest {
+	request.RequestID = strings.TrimSpace(request.RequestID)
+	request.TargetChatID = strings.TrimSpace(request.TargetChatID)
+	request.PaymentIntentID = strings.TrimSpace(request.PaymentIntentID)
+	request.QuoteRef = strings.TrimSpace(request.QuoteRef)
+	request.SourceService = strings.TrimSpace(request.SourceService)
+	request.Rail = strings.TrimSpace(request.Rail)
+	request.AcceptedUserIDs = normalizeStringList(request.AcceptedUserIDs)
+	if request.RequestedMoney != nil {
+		request.RequestedMoney.Amount = strings.TrimSpace(request.RequestedMoney.Amount)
+		request.RequestedMoney.Currency = strings.TrimSpace(request.RequestedMoney.Currency)
+	}
+	return request
+}
+
+func normalizeStringList(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	result := make([]string, 0, len(values))
+	seen := map[string]struct{}{}
+	for _, value := range values {
+		value = strings.TrimSpace(value)
+		if value == "" {
+			continue
+		}
+		if _, ok := seen[value]; ok {
+			continue
+		}
+		seen[value] = struct{}{}
+		result = append(result, value)
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+var amountPattern = regexp.MustCompile(`^[0-9]+(\.[0-9]+)?$`)
+var currencyPattern = regexp.MustCompile(`^[A-Za-z]{3,10}$`)
+
+func parseConfirmationReply(text string) (*paymenttypes.Money, string, error) {
+	text = strings.TrimSpace(text)
+	if text == "" {
+		return nil, "empty", merrors.InvalidArgument("empty reply")
+	}
+	parts := strings.Fields(text)
+	if len(parts) < 2 {
+		if len(parts) == 1 && amountPattern.MatchString(parts[0]) {
+			return nil, "missing_currency", merrors.InvalidArgument("currency is required")
+		}
+		return nil, "missing_amount", merrors.InvalidArgument("amount is required")
+	}
+	if len(parts) > 2 {
+		return nil, "format", merrors.InvalidArgument("reply format is invalid")
+	}
+	amount := parts[0]
+	currency := parts[1]
+	if !amountPattern.MatchString(amount) {
+		return nil, "invalid_amount", merrors.InvalidArgument("amount format is invalid")
+	}
+	if !currencyPattern.MatchString(currency) {
+		return nil, "invalid_currency", merrors.InvalidArgument("currency format is invalid")
+	}
+	return &paymenttypes.Money{
+		Amount:   amount,
+		Currency: strings.ToUpper(currency),
+	}, "", nil
+}
+
+func confirmationPrompt(req *model.ConfirmationRequest) string {
+	var builder strings.Builder
+	builder.WriteString("Payment confirmation required\n")
+	if req.PaymentIntentID != "" {
+		builder.WriteString("Payment intent: ")
+		builder.WriteString(req.PaymentIntentID)
+		builder.WriteString("\n")
+	}
+	if req.QuoteRef != "" {
+		builder.WriteString("Quote ref: ")
+		builder.WriteString(req.QuoteRef)
+		builder.WriteString("\n")
+	}
+	if req.RequestedMoney != nil {
+		builder.WriteString("Requested: ")
+		builder.WriteString(req.RequestedMoney.Amount)
+		builder.WriteString(" ")
+		builder.WriteString(req.RequestedMoney.Currency)
+		builder.WriteString("\n")
+	}
+	builder.WriteString("Reply with \"<amount> <currency>\" (e.g., 12.34 USD).")
+	return builder.String()
+}
+
+func clarificationMessage(reason string) string {
+	switch reason {
+	case "missing_currency":
+		return "Currency code is required. Reply with \"<amount> <currency>\" (e.g., 12.34 USD)."
+	case "missing_amount":
+		return "Amount is required. Reply with \"<amount> <currency>\" (e.g., 12.34 USD)."
+	case "invalid_amount":
+		return "Amount must be a decimal number. Reply with \"<amount> <currency>\" (e.g., 12.34 USD)."
+	case "invalid_currency":
+		return "Currency must be a code like USD or EUR. Reply with \"<amount> <currency>\"."
+	default:
+		return "Reply with \"<amount> <currency>\" (e.g., 12.34 USD)."
+	}
+}
--- a/api/notification/internal/server/notificationimp/notification.go
+++ b/api/notification/internal/server/notificationimp/notification.go
@@ -4,11 +4,14 @@ import (
 	"context"

 	"github.com/tech/sendico/notification/interface/api"
+	"github.com/tech/sendico/notification/internal/appversion"
 	mmail "github.com/tech/sendico/notification/internal/server/notificationimp/mail"
 	"github.com/tech/sendico/notification/internal/server/notificationimp/telegram"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/domainprovider"
 	"github.com/tech/sendico/pkg/merrors"
 	na "github.com/tech/sendico/pkg/messaging/notifications/account"
+	confirmations "github.com/tech/sendico/pkg/messaging/notifications/confirmations"
 	cnotifications "github.com/tech/sendico/pkg/messaging/notifications/confirmation"
 	ni "github.com/tech/sendico/pkg/messaging/notifications/invitation"
 	snotifications "github.com/tech/sendico/pkg/messaging/notifications/site"
@@ -19,10 +22,12 @@ import (
 )

 type NotificationAPI struct {
-	logger mlogger.Logger
-	client mmail.Client
-	dp     domainprovider.DomainProvider
-	tg     telegram.Client
+	logger    mlogger.Logger
+	client    mmail.Client
+	dp        domainprovider.DomainProvider
+	tg        telegram.Client
+	announcer *discovery.Announcer
+	confirm   *confirmationManager
 }

 func (a *NotificationAPI) Name() mservice.Type {
@@ -30,6 +35,12 @@ func (a *NotificationAPI) Name() mservice.Type {
 }

 func (a *NotificationAPI) Finish(_ context.Context) error {
+	if a.announcer != nil {
+		a.announcer.Stop()
+	}
+	if a.confirm != nil {
+		a.confirm.Stop()
+	}
 	return nil
 }

@@ -55,6 +66,7 @@ func CreateAPI(a api.API) (*NotificationAPI, error) {
 		p.logger.Error("Failed to create telegram client", zap.Error(err))
 		return nil, err
 	}
+	p.confirm = newConfirmationManager(p.logger, p.tg, a.Register().Producer())

 	db, err := a.DBFactory().NewAccountDB()
 	if err != nil {
@@ -75,6 +87,10 @@ func CreateAPI(a api.API) (*NotificationAPI, error) {
 		p.logger.Error("Failed to create confirmation code handler", zap.Error(err))
 		return nil, err
 	}
+	if err := a.Register().Consumer(confirmations.NewConfirmationRequestProcessor(p.logger, p.onConfirmationRequest)); err != nil {
+		p.logger.Error("Failed to register confirmation request handler", zap.Error(err))
+		return nil, err
+	}

 	idb, err := a.DBFactory().NewInvitationsDB()
 	if err != nil {
@@ -91,6 +107,18 @@ func CreateAPI(a api.API) (*NotificationAPI, error) {
 		return nil, err
 	}

+	if router := a.Router(); router != nil {
+		router.Post("/telegram/webhook", p.handleTelegramWebhook)
+	}
+
+	announce := discovery.Announcement{
+		Service:    "NOTIFICATIONS",
+		Operations: []string{"notify.send"},
+		Version:    appversion.Create().Short(),
+	}
+	p.announcer = discovery.NewAnnouncer(p.logger, a.Register().Producer(), string(mservice.Notifications), announce)
+	p.announcer.Start()
+
 	return p, nil
 }

@@ -129,3 +157,10 @@ func (a *NotificationAPI) onCallRequest(ctx context.Context, request *model.Call
 	a.logger.Info("Call request sent via Telegram", zap.String("phone", request.Phone))
 	return nil
 }
+
+func (a *NotificationAPI) onConfirmationRequest(ctx context.Context, request *model.ConfirmationRequest) error {
+	if a.confirm == nil {
+		return merrors.Internal("confirmation manager is not configured")
+	}
+	return a.confirm.HandleRequest(ctx, request)
+}
--- a/api/notification/internal/server/notificationimp/telegram/client.go
+++ b/api/notification/internal/server/notificationimp/telegram/client.go
@@ -25,6 +25,7 @@ type Client interface {
 	SendDemoRequest(ctx context.Context, request *model.DemoRequest) error
 	SendContactRequest(ctx context.Context, request *model.ContactRequest) error
 	SendCallRequest(ctx context.Context, request *model.CallRequest) error
+	SendText(ctx context.Context, chatID string, text string, replyToMessageID string) (*model.TelegramMessage, error)
 }

 type client struct {
@@ -38,13 +39,14 @@ type client struct {
 }

 type sendMessagePayload struct {
-	ChatID         string `json:"chat_id"`
-	Text           string `json:"text"`
-	ParseMode      string `json:"parse_mode,omitempty"`
-	ThreadID       *int64 `json:"message_thread_id,omitempty"`
-	DisablePreview bool   `json:"disable_web_page_preview,omitempty"`
-	DisableNotify  bool   `json:"disable_notification,omitempty"`
-	ProtectContent bool   `json:"protect_content,omitempty"`
+	ChatID           string `json:"chat_id"`
+	Text             string `json:"text"`
+	ParseMode        string `json:"parse_mode,omitempty"`
+	ThreadID         *int64 `json:"message_thread_id,omitempty"`
+	ReplyToMessageID *int64 `json:"reply_to_message_id,omitempty"`
+	DisablePreview   bool   `json:"disable_web_page_preview,omitempty"`
+	DisableNotify    bool   `json:"disable_notification,omitempty"`
+	ProtectContent   bool   `json:"protect_content,omitempty"`
 }

 func NewClient(logger mlogger.Logger, cfg *notconfig.TelegramConfig) (Client, error) {
@@ -106,16 +108,40 @@ func (c *client) SendDemoRequest(ctx context.Context, request *model.DemoRequest
 	return c.sendForm(ctx, newDemoRequestTemplate(request))
 }

-func (c *client) sendMessage(ctx context.Context, payload sendMessagePayload) error {
+type sendMessageResponse struct {
+	OK          bool             `json:"ok"`
+	Result      *messageResponse `json:"result,omitempty"`
+	Description string           `json:"description,omitempty"`
+}
+
+type messageResponse struct {
+	MessageID      int64            `json:"message_id"`
+	Date           int64            `json:"date"`
+	Chat           messageChat      `json:"chat"`
+	From           *messageUser     `json:"from,omitempty"`
+	Text           string           `json:"text"`
+	ReplyToMessage *messageResponse `json:"reply_to_message,omitempty"`
+}
+
+type messageChat struct {
+	ID int64 `json:"id"`
+}
+
+type messageUser struct {
+	ID       int64  `json:"id"`
+	Username string `json:"username,omitempty"`
+}
+
+func (c *client) sendMessage(ctx context.Context, payload sendMessagePayload) (*model.TelegramMessage, error) {
 	body, err := json.Marshal(&payload)
 	if err != nil {
 		c.logger.Warn("Failed to marshal telegram payload", zap.Error(err))
-		return err
+		return nil, err
 	}
 	req, err := http.NewRequestWithContext(ctx, http.MethodPost, c.endpoint(), bytes.NewReader(body))
 	if err != nil {
 		c.logger.Warn("Failed to create telegram request", zap.Error(err))
-		return err
+		return nil, err
 	}
 	req.Header.Set("Content-Type", "application/json")

@@ -129,26 +155,41 @@ func (c *client) sendMessage(ctx context.Context, payload sendMessagePayload) er
 	if payload.ThreadID != nil {
 		fields = append(fields, zap.Int64("thread_id", *payload.ThreadID))
 	}
+	if payload.ReplyToMessageID != nil {
+		fields = append(fields, zap.Int64("reply_to_message_id", *payload.ReplyToMessageID))
+	}
 	c.logger.Debug("Sending Telegram message", fields...)
 	start := time.Now()

 	resp, err := c.httpClient.Do(req)
 	if err != nil {
 		c.logger.Warn("Telegram request failed", zap.Error(err))
-		return err
+		return nil, err
 	}
 	defer resp.Body.Close()

+	respBody, _ := io.ReadAll(io.LimitReader(resp.Body, 16<<10))
 	if resp.StatusCode >= http.StatusOK && resp.StatusCode < http.StatusMultipleChoices {
+		var parsed sendMessageResponse
+		if err := json.Unmarshal(respBody, &parsed); err != nil {
+			c.logger.Warn("Failed to decode telegram response", zap.Error(err))
+			return nil, err
+		}
+		if !parsed.OK || parsed.Result == nil {
+			msg := "telegram sendMessage response missing result"
+			if parsed.Description != "" {
+				msg = parsed.Description
+			}
+			return nil, merrors.Internal(msg)
+		}
 		c.logger.Debug("Telegram message sent", zap.Int("status_code", resp.StatusCode), zap.Duration("latency", time.Since(start)))
-		return nil
+		return toTelegramMessage(parsed.Result), nil
 	}
-	respBody, _ := io.ReadAll(io.LimitReader(resp.Body, 4<<10))
 	c.logger.Warn("Telegram API returned non-success status",
 		zap.Int("status_code", resp.StatusCode),
 		zap.ByteString("response_body", respBody),
 		zap.String("chat_id", c.chatID))
-	return merrors.Internal(fmt.Sprintf("telegram sendMessage failed with status %d: %s", resp.StatusCode, string(respBody)))
+	return nil, merrors.Internal(fmt.Sprintf("telegram sendMessage failed with status %d: %s", resp.StatusCode, string(respBody)))
 }

 func (c *client) endpoint() string {
@@ -178,5 +219,51 @@ func (c *client) sendForm(ctx context.Context, template messageTemplate) error {
 		ThreadID:       c.threadID,
 		DisablePreview: true,
 	}
+	_, err := c.sendMessage(ctx, payload)
+	return err
+}
+
+func (c *client) SendText(ctx context.Context, chatID string, text string, replyToMessageID string) (*model.TelegramMessage, error) {
+	chatID = strings.TrimSpace(chatID)
+	if chatID == "" {
+		chatID = c.chatID
+	}
+	if chatID == "" {
+		return nil, merrors.InvalidArgument("telegram chat id is empty", "chat_id")
+	}
+	payload := sendMessagePayload{
+		ChatID:         chatID,
+		Text:           text,
+		ParseMode:      c.parseMode.String(),
+		ThreadID:       c.threadID,
+		DisablePreview: true,
+	}
+	if replyToMessageID != "" {
+		val, err := strconv.ParseInt(replyToMessageID, 10, 64)
+		if err != nil {
+			return nil, merrors.InvalidArgumentWrap(err, "invalid reply_to_message_id", "reply_to_message_id")
+		}
+		payload.ReplyToMessageID = &val
+	}
 	return c.sendMessage(ctx, payload)
 }
+
+func toTelegramMessage(msg *messageResponse) *model.TelegramMessage {
+	if msg == nil {
+		return nil
+	}
+	result := &model.TelegramMessage{
+		ChatID:    strconv.FormatInt(msg.Chat.ID, 10),
+		MessageID: strconv.FormatInt(msg.MessageID, 10),
+		Text:      msg.Text,
+		SentAt:    msg.Date,
+	}
+	if msg.From != nil {
+		result.FromUserID = strconv.FormatInt(msg.From.ID, 10)
+		result.FromUsername = msg.From.Username
+	}
+	if msg.ReplyToMessage != nil {
+		result.ReplyToMessageID = strconv.FormatInt(msg.ReplyToMessage.MessageID, 10)
+	}
+	return result
+}
--- a/api/notification/internal/server/notificationimp/telegram/update.go
+++ b/api/notification/internal/server/notificationimp/telegram/update.go
@@ -0,0 +1,50 @@
+package telegram
+
+import (
+	"strconv"
+
+	"github.com/tech/sendico/pkg/model"
+)
+
+type Update struct {
+	UpdateID int64    `json:"update_id"`
+	Message  *Message `json:"message,omitempty"`
+}
+
+type Message struct {
+	MessageID      int64    `json:"message_id"`
+	Date           int64    `json:"date,omitempty"`
+	Chat           Chat     `json:"chat"`
+	From           *User    `json:"from,omitempty"`
+	Text           string   `json:"text,omitempty"`
+	ReplyToMessage *Message `json:"reply_to_message,omitempty"`
+}
+
+type Chat struct {
+	ID int64 `json:"id"`
+}
+
+type User struct {
+	ID       int64  `json:"id"`
+	Username string `json:"username,omitempty"`
+}
+
+func (m *Message) ToModel() *model.TelegramMessage {
+	if m == nil {
+		return nil
+	}
+	result := &model.TelegramMessage{
+		ChatID:    strconv.FormatInt(m.Chat.ID, 10),
+		MessageID: strconv.FormatInt(m.MessageID, 10),
+		Text:      m.Text,
+		SentAt:    m.Date,
+	}
+	if m.From != nil {
+		result.FromUserID = strconv.FormatInt(m.From.ID, 10)
+		result.FromUsername = m.From.Username
+	}
+	if m.ReplyToMessage != nil {
+		result.ReplyToMessageID = strconv.FormatInt(m.ReplyToMessage.MessageID, 10)
+	}
+	return result
+}
--- a/api/notification/internal/server/notificationimp/webhook.go
+++ b/api/notification/internal/server/notificationimp/webhook.go
@@ -0,0 +1,30 @@
+package notificationimp
+
+import (
+	"encoding/json"
+	"io"
+	"net/http"
+
+	"github.com/tech/sendico/notification/internal/server/notificationimp/telegram"
+	"go.uber.org/zap"
+)
+
+const telegramWebhookMaxBody = 1 << 20
+
+func (a *NotificationAPI) handleTelegramWebhook(w http.ResponseWriter, r *http.Request) {
+	if a == nil || a.confirm == nil {
+		w.WriteHeader(http.StatusNoContent)
+		return
+	}
+	var update telegram.Update
+	dec := json.NewDecoder(io.LimitReader(r.Body, telegramWebhookMaxBody))
+	if err := dec.Decode(&update); err != nil {
+		if a.logger != nil {
+			a.logger.Warn("Failed to decode telegram webhook update", zap.Error(err))
+		}
+		w.WriteHeader(http.StatusBadRequest)
+		return
+	}
+	a.confirm.HandleUpdate(r.Context(), &update)
+	w.WriteHeader(http.StatusOK)
+}
--- a/api/payments/orchestrator/config.yml
+++ b/api/payments/orchestrator/config.yml
@@ -51,10 +51,16 @@ gateway:
  call_timeout_seconds: 3
  insecure: true

+payment_gateway:
+  address: "sendico_tgsettle_gateway:50080"
+  dial_timeout_seconds: 5
+  call_timeout_seconds: 3
+  insecure: true
+
 mntx:
  address: "sendico_mntx_gateway:50075"
  dial_timeout_seconds: 5
-  call_timeout_seconds: 3
+  call_timeout_seconds: 15
  insecure: true

 oracle:
@@ -70,3 +76,15 @@ card_gateways:

 fee_ledger_accounts:
  monetix: "ledger:fees:monetix"
+
+# gateway_instances:
+#   - id: "crypto-tron"
+#     rail: "CRYPTO"
+#     network: "TRON"
+#     currencies: ["USDT"]
+#     capabilities:
+#       can_pay_out: true
+#       can_send_fee: true
+#     limits:
+#       min_amount: "0"
+#       max_amount: "100000"
--- a/api/payments/orchestrator/go.mod
+++ b/api/payments/orchestrator/go.mod
@@ -49,7 +49,7 @@ require (
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
-	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
 	github.com/prometheus/procfs v0.19.2 // indirect
 	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
 	github.com/xdg-go/scram v1.2.0 // indirect
--- a/api/payments/orchestrator/go.sum
+++ b/api/payments/orchestrator/go.sum
@@ -115,8 +115,8 @@ github.com/prometheus/client_golang v1.23.2 h1:Je96obch5RDVy3FDMndoUsjAhG5Edi49h
 github.com/prometheus/client_golang v1.23.2/go.mod h1:Tb1a6LWHB3/SPIzCoaDXI4I8UHKeFTEQ1YCr+0Gyqmg=
 github.com/prometheus/client_model v0.6.2 h1:oBsgwpGs7iVziMvrGhE53c/GrLUsZdHnqNwqPLxwZyk=
 github.com/prometheus/client_model v0.6.2/go.mod h1:y3m2F6Gdpfy6Ut/GBsUqTWZqCUvMVzSfMLjcu6wAwpE=
-github.com/prometheus/common v0.67.4 h1:yR3NqWO1/UyO1w2PhUvXlGQs/PtFmoveVO0KZ4+Lvsc=
-github.com/prometheus/common v0.67.4/go.mod h1:gP0fq6YjjNCLssJCQp0yk4M8W6ikLURwkdd/YKtTbyI=
+github.com/prometheus/common v0.67.5 h1:pIgK94WWlQt1WLwAC5j2ynLaBRDiinoAb86HZHTUGI4=
+github.com/prometheus/common v0.67.5/go.mod h1:SjE/0MzDEEAyrdr5Gqc6G+sXI67maCxzaT3A2+HqjUw=
 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 v1.12.0 h1:exVL4IDcn6na9z1rAb56Vxr+CgyK3nn3O+epU5NdKM8=
--- a/api/payments/orchestrator/internal/server/internal/builders.go
+++ b/api/payments/orchestrator/internal/server/internal/builders.go
@@ -0,0 +1,231 @@
+package serverimp
+
+import (
+	"strings"
+
+	chainclient "github.com/tech/sendico/gateway/chain/client"
+	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrator"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	"github.com/tech/sendico/pkg/discovery"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/payments/rail"
+	"go.uber.org/zap"
+)
+
+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),
+			FeeWalletRef:   strings.TrimSpace(route.FeeWalletRef),
+		}
+	}
+	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
+}
+
+func buildGatewayRegistry(logger mlogger.Logger, src []gatewayInstanceConfig, registry *discovery.Registry) orchestrator.GatewayRegistry {
+	static := buildGatewayInstances(logger, src)
+	staticRegistry := orchestrator.NewGatewayRegistry(logger, static)
+	discoveryRegistry := orchestrator.NewDiscoveryGatewayRegistry(logger, registry)
+	return orchestrator.NewCompositeGatewayRegistry(logger, staticRegistry, discoveryRegistry)
+}
+
+func buildRailGateways(chainClient chainclient.Client, paymentGatewayClient chainclient.Client, src []gatewayInstanceConfig) map[string]rail.RailGateway {
+	if len(src) == 0 || (chainClient == nil && paymentGatewayClient == nil) {
+		return nil
+	}
+	instances := buildGatewayInstances(nil, src)
+	if len(instances) == 0 {
+		return nil
+	}
+	result := map[string]rail.RailGateway{}
+	for _, inst := range instances {
+		if inst == nil || !inst.IsEnabled {
+			continue
+		}
+		cfg := chainclient.RailGatewayConfig{
+			Rail:    string(inst.Rail),
+			Network: inst.Network,
+			Capabilities: rail.RailCapabilities{
+				CanPayIn:               inst.Capabilities.CanPayIn,
+				CanPayOut:              inst.Capabilities.CanPayOut,
+				CanReadBalance:         inst.Capabilities.CanReadBalance,
+				CanSendFee:             inst.Capabilities.CanSendFee,
+				RequiresObserveConfirm: inst.Capabilities.RequiresObserveConfirm,
+			},
+		}
+		switch inst.Rail {
+		case model.RailCrypto:
+			if chainClient == nil {
+				continue
+			}
+			result[inst.ID] = chainclient.NewRailGateway(chainClient, cfg)
+		case model.RailProviderSettlement:
+			if paymentGatewayClient == nil {
+				continue
+			}
+			result[inst.ID] = orchestrator.NewProviderSettlementGateway(paymentGatewayClient, cfg)
+		}
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func buildGatewayInstances(logger mlogger.Logger, src []gatewayInstanceConfig) []*model.GatewayInstanceDescriptor {
+	if len(src) == 0 {
+		return nil
+	}
+	if logger != nil {
+		logger = logger.Named("gateway_instances")
+	}
+	result := make([]*model.GatewayInstanceDescriptor, 0, len(src))
+	for _, cfg := range src {
+		id := strings.TrimSpace(cfg.ID)
+		if id == "" {
+			if logger != nil {
+				logger.Warn("Gateway instance skipped: missing id")
+			}
+			continue
+		}
+		rail := parseRail(cfg.Rail)
+		if rail == model.RailUnspecified {
+			if logger != nil {
+				logger.Warn("Gateway instance skipped: invalid rail", zap.String("id", id), zap.String("rail", cfg.Rail))
+			}
+			continue
+		}
+		enabled := true
+		if cfg.IsEnabled != nil {
+			enabled = *cfg.IsEnabled
+		}
+		result = append(result, &model.GatewayInstanceDescriptor{
+			ID:         id,
+			Rail:       rail,
+			Network:    strings.ToUpper(strings.TrimSpace(cfg.Network)),
+			Currencies: normalizeCurrencies(cfg.Currencies),
+			Capabilities: model.RailCapabilities{
+				CanPayIn:               cfg.Capabilities.CanPayIn,
+				CanPayOut:              cfg.Capabilities.CanPayOut,
+				CanReadBalance:         cfg.Capabilities.CanReadBalance,
+				CanSendFee:             cfg.Capabilities.CanSendFee,
+				RequiresObserveConfirm: cfg.Capabilities.RequiresObserveConfirm,
+			},
+			Limits:    buildGatewayLimits(cfg.Limits),
+			Version:   strings.TrimSpace(cfg.Version),
+			IsEnabled: enabled,
+		})
+	}
+	return result
+}
+
+func parseRail(value string) model.Rail {
+	switch strings.ToUpper(strings.TrimSpace(value)) {
+	case string(model.RailCrypto):
+		return model.RailCrypto
+	case string(model.RailProviderSettlement):
+		return model.RailProviderSettlement
+	case string(model.RailLedger):
+		return model.RailLedger
+	case string(model.RailCardPayout):
+		return model.RailCardPayout
+	case string(model.RailFiatOnRamp):
+		return model.RailFiatOnRamp
+	default:
+		return model.RailUnspecified
+	}
+}
+
+func normalizeCurrencies(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	seen := map[string]bool{}
+	result := make([]string, 0, len(values))
+	for _, value := range values {
+		clean := strings.ToUpper(strings.TrimSpace(value))
+		if clean == "" || seen[clean] {
+			continue
+		}
+		seen[clean] = true
+		result = append(result, clean)
+	}
+	return result
+}
+
+func buildGatewayLimits(cfg limitsConfig) model.Limits {
+	limits := model.Limits{
+		MinAmount:      strings.TrimSpace(cfg.MinAmount),
+		MaxAmount:      strings.TrimSpace(cfg.MaxAmount),
+		PerTxMaxFee:    strings.TrimSpace(cfg.PerTxMaxFee),
+		PerTxMinAmount: strings.TrimSpace(cfg.PerTxMinAmount),
+		PerTxMaxAmount: strings.TrimSpace(cfg.PerTxMaxAmount),
+	}
+
+	if len(cfg.VolumeLimit) > 0 {
+		limits.VolumeLimit = map[string]string{}
+		for key, value := range cfg.VolumeLimit {
+			bucket := strings.TrimSpace(key)
+			amount := strings.TrimSpace(value)
+			if bucket == "" || amount == "" {
+				continue
+			}
+			limits.VolumeLimit[bucket] = amount
+		}
+	}
+
+	if len(cfg.VelocityLimit) > 0 {
+		limits.VelocityLimit = map[string]int{}
+		for key, value := range cfg.VelocityLimit {
+			bucket := strings.TrimSpace(key)
+			if bucket == "" {
+				continue
+			}
+			limits.VelocityLimit[bucket] = value
+		}
+	}
+
+	if len(cfg.CurrencyLimits) > 0 {
+		limits.CurrencyLimits = map[string]model.LimitsOverride{}
+		for key, override := range cfg.CurrencyLimits {
+			currency := strings.ToUpper(strings.TrimSpace(key))
+			if currency == "" {
+				continue
+			}
+			limits.CurrencyLimits[currency] = model.LimitsOverride{
+				MaxVolume: strings.TrimSpace(override.MaxVolume),
+				MinAmount: strings.TrimSpace(override.MinAmount),
+				MaxAmount: strings.TrimSpace(override.MaxAmount),
+				MaxFee:    strings.TrimSpace(override.MaxFee),
+				MaxOps:    override.MaxOps,
+			}
+		}
+	}
+
+	return limits
+}
--- a/Show More
+++ b/Show More
Author	SHA1	Message	Date
tech	dedde76dd7	Merge pull request 'Added ownership reference + wallet creation methods' (#243 ) from owner-242 into main All checks were successful ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/frontend Pipeline was successful Details ci/woodpecker/push/gateway_mntx Pipeline was successful Details ci/woodpecker/push/gateway_tgsettle Pipeline was successful Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/gateway_chain Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline was successful Details Reviewed-on: #243	2026-01-07 12:14:59 +00:00
Stephan D	9e747e7251	Added ownership reference + wallet creation methods	2026-01-07 13:12:31 +01:00
tech	33647a0f3d	Merge pull request 'ledger settlement account autocreation' (#241 ) from ledger-237 into main Some checks failed ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline failed Details ci/woodpecker/push/frontend Pipeline failed Details ci/woodpecker/push/gateway_chain Pipeline failed Details ci/woodpecker/push/gateway_mntx Pipeline failed Details ci/woodpecker/push/ledger Pipeline failed Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/gateway_tgsettle Pipeline failed Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline failed Details ci/woodpecker/push/notification Pipeline was successful Details Reviewed-on: #241	2026-01-06 18:08:18 +00:00
Stephan D	890f78a42e	ledger settlement account autocreation	2026-01-06 19:06:15 +01:00
tech	c0ba167f69	Merge pull request 'compilation fix' (#239 ) from ledger-237 into main Some checks failed ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline failed Details ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/frontend Pipeline failed Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/gateway_chain Pipeline failed Details ci/woodpecker/push/gateway_mntx Pipeline failed Details ci/woodpecker/push/gateway_tgsettle Pipeline failed Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline failed Details ci/woodpecker/push/notification Pipeline was successful Details Reviewed-on: #239	2026-01-06 17:05:26 +00:00
Stephan D	3aa5d56cc3	compilation fiz	2026-01-06 18:04:56 +01:00
tech	326fc5a885	Merge pull request 'ledger account describibale support' (#238 ) from ledger-237 into main Some checks failed ci/woodpecker/push/gateway_chain Pipeline is pending Details ci/woodpecker/push/gateway_mntx Pipeline is pending Details ci/woodpecker/push/gateway_tgsettle Pipeline is pending Details ci/woodpecker/push/ledger Pipeline is pending Details ci/woodpecker/push/nats Pipeline is pending Details ci/woodpecker/push/notification Pipeline is pending Details ci/woodpecker/push/payments_orchestrator Pipeline is pending Details ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline failed Details ci/woodpecker/push/frontend Pipeline failed Details ci/woodpecker/push/fx_ingestor Pipeline failed Details ci/woodpecker/push/fx_oracle Pipeline failed Details Reviewed-on: #238	2026-01-06 16:52:09 +00:00
Stephan D	43edbc109d	ledger account describibale support	2026-01-06 17:51:35 +01:00
tech	12700c5595	Merge pull request 'fixed excessive logging non-nil checks)' (#236 ) from logging-235 into main Reviewed-on: #236	2026-01-06 15:10:05 +00:00
Stephan D	4da9e0b522	fixed excessive logging non-nil checks)	2026-01-06 16:05:20 +01:00
tech	5d443230f4	Merge pull request 'TTL for discovery values' (#234 ) from discovery-233 into main Some checks failed ci/woodpecker/push/gateway_chain Pipeline is pending Details ci/woodpecker/push/gateway_mntx Pipeline is pending Details ci/woodpecker/push/gateway_tgsettle Pipeline is pending Details ci/woodpecker/push/ledger Pipeline is pending Details ci/woodpecker/push/nats Pipeline is pending Details ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/frontend Pipeline is running Details ci/woodpecker/push/discovery Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline is running Details ci/woodpecker/push/notification Pipeline failed Details ci/woodpecker/push/payments_orchestrator Pipeline failed Details Reviewed-on: #234	2026-01-06 13:20:27 +00:00
Stephan D	3e83cc51d7	TTL for discovery values	2026-01-06 14:20:08 +01:00
tech	9c2ef52d07	Merge pull request '+ ledger account open endpoint' (#232 ) from ledger-231 into main All checks were successful ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/frontend Pipeline was successful Details ci/woodpecker/push/gateway_chain Pipeline was successful Details ci/woodpecker/push/gateway_mntx Pipeline was successful Details ci/woodpecker/push/gateway_tgsettle Pipeline was successful Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details Reviewed-on: #232	2026-01-05 12:03:10 +00:00
Stephan D	e84854d875	fixed mntx compilation	2026-01-05 13:02:47 +01:00
Stephan D	2f34b5a827	+ ledger account open endpoint	2026-01-05 12:57:17 +01:00
tech	9a5c087940	Merge pull request 'compilation fixed' (#230 ) from mntx-229 into main Some checks failed ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline failed Details ci/woodpecker/push/frontend Pipeline was successful Details ci/woodpecker/push/gateway_mntx Pipeline failed Details ci/woodpecker/push/gateway_chain Pipeline was successful Details ci/woodpecker/push/gateway_tgsettle Pipeline was successful Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline was successful Details Reviewed-on: #230	2026-01-05 01:52:23 +00:00
Stephan D	4fb2e0433c	compilation fixed	2026-01-05 02:51:39 +01:00
tech	cd89171cf0	Merge pull request 'interface refactoring' (#228 ) from gateway-227 into main Some checks failed ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/frontend Pipeline was successful Details ci/woodpecker/push/ledger Pipeline failed Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/gateway_chain Pipeline was successful Details ci/woodpecker/push/gateway_mntx Pipeline failed Details ci/woodpecker/push/gateway_tgsettle Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline was successful Details Reviewed-on: #228	2026-01-05 00:23:43 +00:00
Stephan D	7424ef751c	interface refactoring	2026-01-05 01:22:47 +01:00
tech	fcd831902a	Merge pull request 'nats-225' (#226 ) from nats-225 into main All checks were successful ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/frontend Pipeline was successful Details ci/woodpecker/push/gateway_chain Pipeline was successful Details ci/woodpecker/push/gateway_mntx Pipeline was successful Details ci/woodpecker/push/gateway_tgsettle Pipeline was successful Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline was successful Details Reviewed-on: #226	2026-01-04 13:50:07 +00:00
Stephan D	03f4988a99	fixed mntx build	2026-01-04 14:46:20 +01:00
Stephan D	5684a959f5	isolated NATS logic	2026-01-04 14:44:46 +01:00
tech	94406f65cb	Merge pull request 'fixed discovery grpc port' (#224 ) from tgsettle-223 into main Some checks failed ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/discovery Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/frontend Pipeline failed Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/gateway_mntx Pipeline failed Details ci/woodpecker/push/gateway_chain Pipeline was successful Details ci/woodpecker/push/gateway_tgsettle Pipeline was successful Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline was successful Details Reviewed-on: #224	2026-01-04 13:00:08 +00:00
Stephan D	49ba144d8c	fixed discovery grpc port	2026-01-04 13:59:39 +01:00
tech	2c5f2b8cb1	Merge pull request 'tgsettle gateway build added' (#222 ) from tgsettle-221 into main Some checks failed ci/woodpecker/push/gateway_chain Pipeline is pending Details ci/woodpecker/push/gateway_mntx Pipeline is pending Details ci/woodpecker/push/gateway_tgsettle Pipeline is pending Details ci/woodpecker/push/ledger Pipeline is pending Details ci/woodpecker/push/nats Pipeline is pending Details ci/woodpecker/push/notification Pipeline is pending Details ci/woodpecker/push/payments_orchestrator Pipeline is pending Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/frontend Pipeline is running Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline is running Details ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/discovery Pipeline failed Details Reviewed-on: #222	2026-01-04 12:13:36 +00:00
Stephan D	ee28c13558	tgsettle gateway build added	2026-01-04 13:12:49 +01:00
tech	6a57afc057	Merge pull request 'discovery-216' (#220 ) from discovery-216 into main Some checks failed ci/woodpecker/push/fx_ingestor Pipeline is pending Details ci/woodpecker/push/fx_oracle Pipeline is pending Details ci/woodpecker/push/ledger Pipeline is pending Details ci/woodpecker/push/mntx_gateway Pipeline is pending Details ci/woodpecker/push/nats Pipeline is pending Details ci/woodpecker/push/notification Pipeline is pending Details ci/woodpecker/push/payments_orchestrator Pipeline is pending Details ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/chain_gateway Pipeline was successful Details ci/woodpecker/push/discovery Pipeline failed Details ci/woodpecker/push/frontend Pipeline failed Details Reviewed-on: #220	2026-01-04 11:59:01 +00:00
Stephan D	59c83e414a	unified gateway interfaces	2026-01-04 12:57:40 +01:00
Stephan D	743f683d92	TG settlement service	2026-01-04 12:57:40 +01:00
Stephan D	ea1c69f14a	discovery service	2026-01-04 12:57:40 +01:00
Stephan D	97ba7500dc	unified gateway interface	2026-01-04 12:57:40 +01:00
tech	19b7b69bd8	Merge pull request 'Refresh button for balance' (#219 ) from SEND022 into main Some checks failed ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/chain_gateway Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/frontend Pipeline was successful Details ci/woodpecker/push/mntx_gateway Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline failed Details Reviewed-on: #219	2025-12-30 21:14:55 +00:00
Arseni	b157522fdb	Refresh button for balance	2025-12-30 18:36:29 +03:00
tech	202582626a	Merge pull request 'fixed signature check' (#215 ) from signature-214 into main All checks were successful ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/chain_gateway Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/frontend Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/mntx_gateway Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline was successful Details Reviewed-on: #215	2025-12-29 23:23:27 +00:00
Stephan D	6a2efd3d22	fixed signature check	2025-12-30 00:22:49 +01:00
tech	a6374d1136	Merge pull request 'increased payout timeout' (#213 ) from timeout-210 into main All checks were successful ci/woodpecker/push/billing_fees Pipeline was successful Details ci/woodpecker/push/bff Pipeline was successful Details ci/woodpecker/push/db Pipeline was successful Details ci/woodpecker/push/chain_gateway Pipeline was successful Details ci/woodpecker/push/fx_ingestor Pipeline was successful Details ci/woodpecker/push/fx_oracle Pipeline was successful Details ci/woodpecker/push/frontend Pipeline was successful Details ci/woodpecker/push/ledger Pipeline was successful Details ci/woodpecker/push/nats Pipeline was successful Details ci/woodpecker/push/notification Pipeline was successful Details ci/woodpecker/push/payments_orchestrator Pipeline was successful Details ci/woodpecker/push/mntx_gateway Pipeline was successful Details Reviewed-on: #213	2025-12-29 15:43:48 +00:00
Stephan D	7c864dc304	increased payout timeout	2025-12-29 16:43:03 +01:00