Updated Settings Page

Reviewed-on: #115

.gitignore

@@ -10,3 +10,4 @@ generate_protos.sh
 update_dep.sh
 .vscode/
 .gocache/
+.cache/

api/billing/fees/go.mod

@@ -31,7 +31,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_golang v1.23.2
@@ -49,6 +49,6 @@ require (
 	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 v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 )

api/billing/fees/go.sum

@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -212,12 +212,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

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

@@ -90,10 +90,6 @@ func (c *quoteCalculator) Compute(ctx context.Context, plan *model.FeePlan, inte
 		}
 
 		ledgerAccountRef := strings.TrimSpace(rule.LedgerAccountRef)
-		if ledgerAccountRef == "" {
-			c.logger.Warn("fee rule missing ledger account reference", zap.String("rule_id", rule.RuleID))
-			continue
-		}
 
 		amount, scale, calcErr := c.calculateRuleAmount(baseAmount, baseScale, rule)
 		if calcErr != nil {
@@ -113,7 +109,8 @@ func (c *quoteCalculator) Compute(ctx context.Context, plan *model.FeePlan, inte
 
 		entrySide := mapEntrySide(rule.EntrySide)
 		if entrySide == accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED {
-			entrySide = accountingv1.EntrySide_ENTRY_SIDE_CREDIT
+			// Default fees to debit (i.e. charge the customer) when entry side is not specified.
+			entrySide = accountingv1.EntrySide_ENTRY_SIDE_DEBIT
 		}
 
 		meta := map[string]string{

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

@@ -38,23 +38,23 @@ func New(plans storage.PlansStore, logger *zap.Logger) *feeResolver {
 	}
 }
 
-func (r *feeResolver) ResolveFeeRule(ctx context.Context, orgID *primitive.ObjectID, trigger model.Trigger, at time.Time, attrs map[string]string) (*model.FeePlan, *model.FeeRule, error) {
+func (r *feeResolver) ResolveFeeRule(ctx context.Context, orgRef *primitive.ObjectID, trigger model.Trigger, at time.Time, attrs map[string]string) (*model.FeePlan, *model.FeeRule, error) {
 	if r.plans == nil {
 		return nil, nil, merrors.InvalidArgument("fees: plans store is required")
 	}
 
 	// Try org-specific first if provided.
-	if orgID != nil && !orgID.IsZero() {
+	if orgRef != nil && !orgRef.IsZero() {
-		if plan, err := r.getOrgPlan(ctx, *orgID, at); err == nil {
+		if plan, err := r.getOrgPlan(ctx, *orgRef, at); err == nil {
 			if rule, selErr := selectRule(plan, trigger, at, attrs); selErr == nil {
 				return plan, rule, nil
 			} else if !errors.Is(selErr, ErrNoFeeRuleFound) {
-				r.logger.Warn("failed selecting rule for org plan", zap.Error(selErr), zap.String("org_ref", orgID.Hex()))
+				r.logger.Warn("failed selecting rule for org plan", zap.Error(selErr), zap.String("org_ref", orgRef.Hex()))
 				return nil, nil, selErr
 			}
-			r.logger.Debug("no matching rule in org plan; falling back to global", zap.String("org_ref", orgID.Hex()))
+			r.logger.Debug("no matching rule in org plan; falling back to global", zap.String("org_ref", orgRef.Hex()))
 		} else if !errors.Is(err, storage.ErrFeePlanNotFound) {
-			r.logger.Warn("failed resolving org fee plan", zap.Error(err), zap.String("org_ref", orgID.Hex()))
+			r.logger.Warn("failed resolving org fee plan", zap.Error(err), zap.String("org_ref", orgRef.Hex()))
 			return nil, nil, err
 		}
 	}

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

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

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

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

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

@@ -72,26 +72,57 @@ func (s *Service) Register(router routers.GRPC) error {
 }
 
 func (s *Service) QuoteFees(ctx context.Context, req *feesv1.QuoteFeesRequest) (resp *feesv1.QuoteFeesResponse, err error) {
+	var (
+		meta   *feesv1.RequestMeta
+		intent *feesv1.Intent
+	)
+	if req != nil {
+		meta = req.GetMeta()
+		intent = req.GetIntent()
+	}
+	logger := s.logger.With(requestLogFields(meta, intent)...)
+
 	start := s.clock.Now()
 	trigger := feesv1.Trigger_TRIGGER_UNSPECIFIED
-	if req != nil && req.GetIntent() != nil {
+	if intent != nil {
-		trigger = req.GetIntent().GetTrigger()
+		trigger = intent.GetTrigger()
 	}
 	var fxUsed bool
 	defer func() {
 		statusLabel := statusFromError(err)
+		linesCount := 0
+		appliedCount := 0
 		if err == nil && resp != nil {
 			fxUsed = resp.GetFxUsed() != nil
+			linesCount = len(resp.GetLines())
+			appliedCount = len(resp.GetApplied())
 		}
 		observeMetrics("quote", trigger, statusLabel, fxUsed, time.Since(start))
+
+		logFields := []zap.Field{
+			zap.String("status", statusLabel),
+			zap.Duration("duration", time.Since(start)),
+			zap.Bool("fx_used", fxUsed),
+			zap.String("trigger", trigger.String()),
+			zap.Int("lines", linesCount),
+			zap.Int("applied_rules", appliedCount),
+		}
+		if err != nil {
+			logger.Warn("QuoteFees finished", append(logFields, zap.Error(err))...)
+			return
+		}
+		logger.Info("QuoteFees finished", logFields...)
 	}()
 
+	logger.Debug("QuoteFees request received")
+
 	if err = s.validateQuoteRequest(req); err != nil {
 		return nil, err
 	}
 
 	orgRef, parseErr := primitive.ObjectIDFromHex(req.GetMeta().GetOrganizationRef())
 	if parseErr != nil {
+		logger.Warn("QuoteFees invalid organization_ref", zap.Error(parseErr))
 		err = status.Error(codes.InvalidArgument, "invalid organization_ref")
 		return nil, err
 	}
@@ -112,20 +143,59 @@ func (s *Service) QuoteFees(ctx context.Context, req *feesv1.QuoteFeesRequest) (
 }
 
 func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFeesRequest) (resp *feesv1.PrecomputeFeesResponse, err error) {
+	var (
+		meta   *feesv1.RequestMeta
+		intent *feesv1.Intent
+	)
+	if req != nil {
+		meta = req.GetMeta()
+		intent = req.GetIntent()
+	}
+	logger := s.logger.With(requestLogFields(meta, intent)...)
+
 	start := s.clock.Now()
 	trigger := feesv1.Trigger_TRIGGER_UNSPECIFIED
-	if req != nil && req.GetIntent() != nil {
+	if intent != nil {
-		trigger = req.GetIntent().GetTrigger()
+		trigger = intent.GetTrigger()
 	}
-	var fxUsed bool
+	var (
+		fxUsed    bool
+		expiresAt time.Time
+	)
 	defer func() {
 		statusLabel := statusFromError(err)
+		linesCount := 0
+		appliedCount := 0
 		if err == nil && resp != nil {
 			fxUsed = resp.GetFxUsed() != nil
+			linesCount = len(resp.GetLines())
+			appliedCount = len(resp.GetApplied())
+			if ts := resp.GetExpiresAt(); ts != nil {
+				expiresAt = ts.AsTime()
+			}
 		}
 		observeMetrics("precompute", trigger, statusLabel, fxUsed, time.Since(start))
+
+		logFields := []zap.Field{
+			zap.String("status", statusLabel),
+			zap.Duration("duration", time.Since(start)),
+			zap.Bool("fx_used", fxUsed),
+			zap.String("trigger", trigger.String()),
+			zap.Int("lines", linesCount),
+			zap.Int("applied_rules", appliedCount),
+		}
+		if !expiresAt.IsZero() {
+			logFields = append(logFields, zap.Time("expires_at", expiresAt))
+		}
+		if err != nil {
+			logger.Warn("PrecomputeFees finished", append(logFields, zap.Error(err))...)
+			return
+		}
+		logger.Info("PrecomputeFees finished", logFields...)
 	}()
 
+	logger.Debug("PrecomputeFees request received")
+
 	if err = s.validatePrecomputeRequest(req); err != nil {
 		return nil, err
 	}
@@ -134,6 +204,7 @@ func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFees
 
 	orgRef, parseErr := primitive.ObjectIDFromHex(req.GetMeta().GetOrganizationRef())
 	if parseErr != nil {
+		logger.Warn("PrecomputeFees invalid organization_ref", zap.Error(parseErr))
 		err = status.Error(codes.InvalidArgument, "invalid organization_ref")
 		return nil, err
 	}
@@ -148,7 +219,7 @@ func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFees
 	if ttl <= 0 {
 		ttl = 60000
 	}
-	expiresAt := now.Add(time.Duration(ttl) * time.Millisecond)
+	expiresAt = now.Add(time.Duration(ttl) * time.Millisecond)
 
 	payload := feeQuoteTokenPayload{
 		OrganizationRef: req.GetMeta().GetOrganizationRef(),
@@ -159,7 +230,7 @@ func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFees
 
 	var token string
 	if token, err = encodeTokenPayload(payload); err != nil {
-		s.logger.Warn("failed to encode fee quote token", zap.Error(err))
+		logger.Warn("failed to encode fee quote token", zap.Error(err))
 		err = status.Error(codes.Internal, "failed to encode fee quote token")
 		return nil, err
 	}
@@ -176,9 +247,18 @@ func (s *Service) PrecomputeFees(ctx context.Context, req *feesv1.PrecomputeFees
 }
 
 func (s *Service) ValidateFeeToken(ctx context.Context, req *feesv1.ValidateFeeTokenRequest) (resp *feesv1.ValidateFeeTokenResponse, err error) {
+	tokenLen := 0
+	if req != nil {
+		tokenLen = len(strings.TrimSpace(req.GetFeeQuoteToken()))
+	}
+	logger := s.logger.With(zap.Int("token_length", tokenLen))
+
 	start := s.clock.Now()
 	trigger := feesv1.Trigger_TRIGGER_UNSPECIFIED
-	var fxUsed bool
+	var (
+		fxUsed       bool
+		resultReason string
+	)
 	defer func() {
 		statusLabel := statusFromError(err)
 		if err == nil && resp != nil {
@@ -191,9 +271,28 @@ func (s *Service) ValidateFeeToken(ctx context.Context, req *feesv1.ValidateFeeT
 			}
 		}
 		observeMetrics("validate", trigger, statusLabel, fxUsed, time.Since(start))
+
+		logFields := []zap.Field{
+			zap.String("status", statusLabel),
+			zap.Duration("duration", time.Since(start)),
+			zap.Bool("fx_used", fxUsed),
+			zap.String("trigger", trigger.String()),
+			zap.Bool("valid", resp != nil && resp.GetValid()),
+		}
+		if resultReason != "" {
+			logFields = append(logFields, zap.String("reason", resultReason))
+		}
+		if err != nil {
+			logger.Warn("ValidateFeeToken finished", append(logFields, zap.Error(err))...)
+			return
+		}
+		logger.Info("ValidateFeeToken finished", logFields...)
 	}()
 
+	logger.Debug("ValidateFeeToken request received")
+
 	if req == nil || strings.TrimSpace(req.GetFeeQuoteToken()) == "" {
+		resultReason = "missing_token"
 		err = status.Error(codes.InvalidArgument, "fee_quote_token is required")
 		return nil, err
 	}
@@ -202,21 +301,29 @@ func (s *Service) ValidateFeeToken(ctx context.Context, req *feesv1.ValidateFeeT
 
 	payload, decodeErr := decodeTokenPayload(req.GetFeeQuoteToken())
 	if decodeErr != nil {
-		s.logger.Warn("failed to decode fee quote token", zap.Error(decodeErr))
+		resultReason = "invalid_token"
+		logger.Warn("failed to decode fee quote token", zap.Error(decodeErr))
 		resp = &feesv1.ValidateFeeTokenResponse{Meta: &feesv1.ResponseMeta{}, Valid: false, Reason: "invalid_token"}
 		return resp, nil
 	}
 
+	logger = logger.With(logFieldsFromTokenPayload(&payload)...)
+
+	if payload.Intent != nil {
 		trigger = payload.Intent.GetTrigger()
+	}
 
 	if now.UnixMilli() > payload.ExpiresAtUnixMs {
+		resultReason = "expired"
+		logger.Info("fee quote token expired")
 		resp = &feesv1.ValidateFeeTokenResponse{Meta: &feesv1.ResponseMeta{}, Valid: false, Reason: "expired"}
 		return resp, nil
 	}
 
 	orgRef, parseErr := primitive.ObjectIDFromHex(payload.OrganizationRef)
 	if parseErr != nil {
-		s.logger.Warn("token contained invalid organization reference", zap.Error(parseErr))
+		resultReason = "invalid_token"
+		logger.Warn("token contained invalid organization reference", zap.Error(parseErr))
 		resp = &feesv1.ValidateFeeTokenResponse{Meta: &feesv1.ResponseMeta{}, Valid: false, Reason: "invalid_token"}
 		return resp, nil
 	}
@@ -280,6 +387,16 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 		bookedAt = intent.GetBookedAt().AsTime()
 	}
 
+	logFields := []zap.Field{
+		zap.Time("booked_at_used", bookedAt),
+	}
+	if !orgRef.IsZero() {
+		logFields = append(logFields, zap.String("organization_ref", orgRef.Hex()))
+	}
+	logFields = append(logFields, logFieldsFromIntent(intent)...)
+	logFields = append(logFields, logFieldsFromTrace(trace)...)
+	logger := s.logger.With(logFields...)
+
 	var orgPtr *primitive.ObjectID
 	if !orgRef.IsZero() {
 		orgPtr = &orgRef
@@ -297,7 +414,7 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 		case errors.Is(err, storage.ErrFeePlanNotFound):
 			return nil, nil, nil, status.Error(codes.NotFound, "fee plan not found")
 		default:
-			s.logger.Warn("failed to resolve fee rule", zap.Error(err))
+			logger.Warn("failed to resolve fee rule", zap.Error(err))
 			return nil, nil, nil, status.Error(codes.Internal, "failed to resolve fee rule")
 		}
 	}
@@ -313,7 +430,7 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 		if errors.Is(calcErr, merrors.ErrInvalidArg) {
 			return nil, nil, nil, status.Error(codes.InvalidArgument, calcErr.Error())
 		}
-		s.logger.Warn("failed to compute fee quote", zap.Error(calcErr))
+		logger.Warn("failed to compute fee quote", zap.Error(calcErr))
 		return nil, nil, nil, status.Error(codes.Internal, "failed to compute fee quote")
 	}
 

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

@@ -49,7 +49,7 @@ func TestQuoteFees_ComputesDerivedLines(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -163,7 +163,7 @@ func TestQuoteFees_FiltersByAttributesAndDates(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -224,7 +224,7 @@ func TestQuoteFees_RoundingDown(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	service := NewService(
 		zap.NewNop(),
@@ -277,7 +277,7 @@ func TestQuoteFees_UsesInjectedCalculator(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	result := &types.CalculationResult{
 		Lines: []*feesv1.DerivedPostingLine{
@@ -353,7 +353,7 @@ func TestQuoteFees_PopulatesFxUsed(t *testing.T) {
 		},
 	}
 	plan.SetID(primitive.NewObjectID())
-	plan.SetOrganizationRef(orgRef)
+	plan.OrganizationRef = &orgRef
 
 	fakeOracle := &oracleclient.Fake{
 		LatestRateFn: func(ctx context.Context, req oracleclient.LatestRateParams) (*oracleclient.RateSnapshot, error) {
@@ -452,7 +452,7 @@ func (s *stubPlansStore) FindActiveOrgPlan(_ context.Context, orgRef primitive.O
 	if s.plan == nil {
 		return nil, storage.ErrFeePlanNotFound
 	}
-	if s.plan.GetOrganizationRef() != orgRef {
+	if (s.plan.OrganizationRef != nil) && (*s.plan.OrganizationRef != orgRef) {
 		return nil, storage.ErrFeePlanNotFound
 	}
 	if !s.plan.Active {

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

@@ -5,6 +5,7 @@ import (
 
 	"github.com/tech/sendico/pkg/db/storable"
 	"github.com/tech/sendico/pkg/model"
+	"go.mongodb.org/mongo-driver/bson/primitive"
 )
 
 const (
@@ -26,8 +27,8 @@ const (
 // FeePlan describes a collection of fee rules for an organisation.
 type FeePlan struct {
 	storable.Base     `bson:",inline" json:",inline"`
-	model.OrganizationBoundBase `bson:",inline" json:",inline"`
 	model.Describable `bson:",inline" json:",inline"`
+	OrganizationRef   *primitive.ObjectID `bson:"organizationRef,omitempty" json:"organizationRef,omitempty"`
 	Active            bool                `bson:"active"             json:"active"`
 	EffectiveFrom     time.Time           `bson:"effectiveFrom"      json:"effectiveFrom"`
 	EffectiveTo       *time.Time          `bson:"effectiveTo,omitempty" json:"effectiveTo,omitempty"`

api/fx/ingestor/config.yml

@@ -11,12 +11,18 @@ market:
     - driver: CBR
       settings:
         base_url: "https://www.cbr.ru"
+        user_agent: "Mozilla/5.0 (compatible; SendicoFX/1.0; +https://app.sendico.io)"
+        accept_header: "application/xml,text/xml;q=0.9,*/*;q=0.8"
   pairs:
     BINANCE:
       - base: "USDT"
         quote: "EUR"
         symbol: "EURUSDT"
         invert: true
+      - base: "USD"
+        quote: "USDT"
+        symbol: "USDTUSD"
+        invert: true
       - base: "UAH"
         quote: "USDT"
         symbol: "USDTUAH"

api/fx/ingestor/go.mod

@@ -32,7 +32,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
@@ -49,7 +49,7 @@ require (
 	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 v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 	google.golang.org/grpc v1.77.0 // indirect
-	google.golang.org/protobuf v1.36.10 // indirect
+	google.golang.org/protobuf v1.36.11 // indirect
 )

api/fx/ingestor/go.sum

@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -212,12 +212,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

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

@@ -85,6 +85,7 @@ func (s *Service) executePoll(ctx context.Context) error {
 
 func (s *Service) pollOnce(ctx context.Context) error {
 	var firstErr error
+	failures := 0
 	for _, pair := range s.pairs {
 		start := time.Now()
 		err := s.upsertPair(ctx, pair)
@@ -96,14 +97,24 @@ func (s *Service) pollOnce(ctx context.Context) error {
 			if firstErr == nil {
 				firstErr = err
 			}
+			failures++
 			s.logger.Warn("Failed to ingest pair",
 				zap.String("symbol", pair.Symbol),
 				zap.String("source", pair.Source.String()),
+				zap.String("provider", pair.Provider),
+				zap.String("base", pair.Base),
+				zap.String("quote", pair.Quote),
+				zap.Bool("invert", pair.Invert),
 				zap.Duration("elapsed", elapsed),
 				zap.Error(err),
 			)
 		}
 	}
+	if failures > 0 {
+		s.logger.Warn("Ingestion poll completed with failures", zap.Int("failures", failures), zap.Int("total", len(s.pairs)))
+	} else {
+		s.logger.Info("Ingestion poll completed", zap.Int("total", len(s.pairs)))
+	}
 	return firstErr
 }
 
@@ -115,7 +126,7 @@ func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 
 	ticker, err := connector.FetchTicker(ctx, pair.Symbol)
 	if err != nil {
-		return merrors.InternalWrap(err, "fetch ticker")
+		return merrors.InternalWrap(err, "fetch ticker: "+pair.Symbol)
 	}
 
 	bid, err := parseDecimal(ticker.BidPrice)
@@ -172,9 +183,14 @@ func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 	s.logger.Debug("Snapshot ingested",
 		zap.String("pair", pair.Base+"/"+pair.Quote),
 		zap.String("provider", pair.Provider),
+		zap.String("source", pair.Source.String()),
+		zap.String("provider_ref", snapshot.ProviderRef),
 		zap.String("bid", snapshot.Bid),
 		zap.String("ask", snapshot.Ask),
 		zap.String("mid", snapshot.Mid),
+		zap.String("spread_bps", snapshot.SpreadBps),
+		zap.Int64("asof_unix_ms", snapshot.AsOfUnixMs),
+		zap.String("rate_ref", snapshot.RateRef),
 	)
 
 	return nil

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

@@ -23,7 +23,7 @@ import (
 type cbrConnector struct {
 	id            mmodel.Driver
 	provider      string
-	client        *http.Client
+	http          *httpClient
 	base          string
 	dailyPath     string
 	directoryPath string
@@ -60,6 +60,8 @@ func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Conne
 	directoryPath := defaultDirectoryPath
 	dailyPath := defaultDailyPath
 	dynamicPath := defaultDynamicPath
+	userAgent := defaultUserAgent
+	acceptHeader := defaultAccept
 
 	if settings != nil {
 		if value, ok := settings["base_url"].(string); ok && strings.TrimSpace(value) != "" {
@@ -77,6 +79,12 @@ func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Conne
 		if value, ok := settings["dynamic_path"].(string); ok && strings.TrimSpace(value) != "" {
 			dynamicPath = strings.TrimSpace(value)
 		}
+		if value, ok := settings["user_agent"].(string); ok && strings.TrimSpace(value) != "" {
+			userAgent = strings.TrimSpace(value)
+		}
+		if value, ok := settings["accept_header"].(string); ok && strings.TrimSpace(value) != "" {
+			acceptHeader = strings.TrimSpace(value)
+		}
 		dialTimeout = common.DurationSetting(settings, "dial_timeout_seconds", dialTimeout)
 		dialKeepAlive = common.DurationSetting(settings, "dial_keep_alive_seconds", dialKeepAlive)
 		tlsHandshakeTimeout = common.DurationSetting(settings, "tls_handshake_timeout_seconds", tlsHandshakeTimeout)
@@ -99,13 +107,24 @@ func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Conne
 		transport = customTransport
 	}
 
+	client := &http.Client{
+		Timeout:   requestTimeout,
+		Transport: transport,
+	}
+	referer := parsed.String()
+
 	connector := &cbrConnector{
 		id:       mmodel.DriverCBR,
 		provider: provider,
-		client: &http.Client{
+		http: newHTTPClient(
-			Timeout:   requestTimeout,
+			logger,
-			Transport: transport,
+			client,
+			httpClientOptions{
+				userAgent: userAgent,
+				accept:    acceptHeader,
+				referer:   referer,
 			},
+		),
 		base:          strings.TrimRight(parsed.String(), "/"),
 		dailyPath:     dailyPath,
 		directoryPath: directoryPath,
@@ -161,20 +180,32 @@ func (c *cbrConnector) refreshDirectory() error {
 		return err
 	}
 
-	req, err := http.NewRequest(http.MethodGet, endpoint, nil)
+	req, err := c.http.NewRequest(context.Background(), http.MethodGet, endpoint)
 	if err != nil {
 		return merrors.InternalWrap(err, "cbr: build directory request")
 	}
 
-	resp, err := c.client.Do(req)
+	resp, err := c.http.Do(req)
 	if err != nil {
-		c.logger.Warn("CBR directory request failed", zap.Error(err))
+		c.logger.Warn(
+			"CBR directory request failed",
+			zap.Error(err),
+			zap.String("endpoint", endpoint),
+			zap.String("referer", c.http.headerValue("Referer")),
+			zap.String("user_agent", c.http.headerValue("User-Agent")),
+		)
 		return merrors.InternalWrap(err, "cbr: directory request failed")
 	}
 	defer resp.Body.Close()
 
 	if resp.StatusCode != http.StatusOK {
-		c.logger.Warn("CBR directory returned non-OK status", zap.Int("status", resp.StatusCode))
+		c.logger.Warn(
+			"CBR directory returned non-OK status",
+			zap.Int("status", resp.StatusCode),
+			zap.String("endpoint", endpoint),
+			zap.String("referer", c.http.headerValue("Referer")),
+			zap.String("user_agent", c.http.headerValue("User-Agent")),
+		)
 		return merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
 	}
 
@@ -183,12 +214,13 @@ func (c *cbrConnector) refreshDirectory() error {
 
 	var directory valuteDirectory
 	if err := decoder.Decode(&directory); err != nil {
-		c.logger.Warn("CBR directory decode failed", zap.Error(err))
+		c.logger.Warn("CBR directory decode failed", zap.Error(err), zap.String("endpoint", endpoint))
 		return merrors.InternalWrap(err, "cbr: decode directory")
 	}
 
-	mapping, err := buildValuteMapping(directory.Items)
+	mapping, err := buildValuteMapping(c.logger.Named("mapper"), directory.Items)
 	if err != nil {
+		c.logger.Warn("Failed to build currencies mapping", zap.Error(err), zap.String("endpoint", endpoint))
 		return err
 	}
 
@@ -200,23 +232,32 @@ func (c *cbrConnector) refreshDirectory() error {
 func (c *cbrConnector) fetchDailyRate(ctx context.Context, valute valuteInfo) (string, error) {
 	endpoint, err := c.buildURL(c.dailyPath, nil)
 	if err != nil {
+		c.logger.Warn("Failed to build daily fetch URL", zap.Error(err), zap.String("path", c.dailyPath))
 		return "", err
 	}
 
-	req, err := http.NewRequestWithContext(ctx, http.MethodGet, endpoint, nil)
+	req, err := c.http.NewRequest(ctx, http.MethodGet, endpoint)
 	if err != nil {
+		c.logger.Warn("Failed to request daily rate", zap.Error(err), zap.String("endpoint", endpoint))
 		return "", merrors.InternalWrap(err, "cbr: build daily request")
 	}
 
-	resp, err := c.client.Do(req)
+	resp, err := c.http.Do(req)
 	if err != nil {
-		c.logger.Warn("CBR daily request failed", zap.String("currency", valute.ISOCharCode), zap.Error(err))
+		c.logger.Warn("CBR daily request failed",
+			zap.Error(err), zap.String("currency", valute.ISOCharCode),
+			zap.String("endpoint", endpoint), zap.String("referer", c.http.headerValue("Referer")),
+			zap.String("user_agent", c.http.headerValue("User-Agent")),
+		)
 		return "", merrors.InternalWrap(err, "cbr: daily request failed")
 	}
 	defer resp.Body.Close()
 
 	if resp.StatusCode != http.StatusOK {
-		c.logger.Warn("CBR daily returned non-OK status", zap.Int("status", resp.StatusCode))
+		c.logger.Warn(
+			"CBR daily returned non-OK status", zap.Int("status", resp.StatusCode),
+			zap.String("currency", valute.ISOCharCode), zap.String("endpoint", endpoint),
+		)
 		return "", merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
 	}
 
@@ -225,7 +266,9 @@ func (c *cbrConnector) fetchDailyRate(ctx context.Context, valute valuteInfo) (s
 
 	var payload dailyRates
 	if err := decoder.Decode(&payload); err != nil {
-		c.logger.Warn("CBR daily decode failed", zap.Error(err))
+		c.logger.Warn("CBR daily decode failed", zap.Error(err),
+			zap.String("currency", valute.ISOCharCode), zap.String("endpoint", endpoint),
+		)
 		return "", merrors.InternalWrap(err, "cbr: decode daily response")
 	}
 
@@ -247,25 +290,40 @@ func (c *cbrConnector) fetchHistoricalRate(ctx context.Context, valute valuteInf
 		"date_req2": date.Format("02/01/2006"),
 		"VAL_NM_RQ": valute.ID,
 	}
+	dateStr := date.Format("2006-01-02")
 	endpoint, err := c.buildURL(c.dynamicPath, query)
 	if err != nil {
 		return "", err
 	}
 
-	req, err := http.NewRequestWithContext(ctx, http.MethodGet, endpoint, nil)
+	req, err := c.http.NewRequest(ctx, http.MethodGet, endpoint)
 	if err != nil {
 		return "", merrors.InternalWrap(err, "cbr: build historical request")
 	}
 
-	resp, err := c.client.Do(req)
+	resp, err := c.http.Do(req)
 	if err != nil {
-		c.logger.Warn("CBR historical request failed", zap.String("currency", valute.ISOCharCode), zap.Error(err))
+		c.logger.Warn(
+			"CBR historical request failed",
+			zap.String("currency", valute.ISOCharCode),
+			zap.String("date", dateStr),
+			zap.String("endpoint", endpoint),
+			zap.String("referer", c.http.headerValue("Referer")),
+			zap.String("user_agent", c.http.headerValue("User-Agent")),
+			zap.Error(err),
+		)
 		return "", merrors.InternalWrap(err, "cbr: historical request failed")
 	}
 	defer resp.Body.Close()
 
 	if resp.StatusCode != http.StatusOK {
-		c.logger.Warn("CBR historical returned non-OK status", zap.Int("status", resp.StatusCode))
+		c.logger.Warn(
+			"CBR historical returned non-OK status",
+			zap.Int("status", resp.StatusCode),
+			zap.String("currency", valute.ISOCharCode),
+			zap.String("date", dateStr),
+			zap.String("endpoint", endpoint),
+		)
 		return "", merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
 	}
 
@@ -274,7 +332,13 @@ func (c *cbrConnector) fetchHistoricalRate(ctx context.Context, valute valuteInf
 
 	var payload dynamicRates
 	if err := decoder.Decode(&payload); err != nil {
-		c.logger.Warn("CBR historical decode failed", zap.Error(err))
+		c.logger.Warn(
+			"CBR historical decode failed",
+			zap.String("currency", valute.ISOCharCode),
+			zap.String("date", dateStr),
+			zap.String("endpoint", endpoint),
+			zap.Error(err),
+		)
 		return "", merrors.InternalWrap(err, "cbr: decode historical response")
 	}
 
@@ -337,7 +401,7 @@ type valuteMapping struct {
 	byID  map[string]valuteInfo
 }
 
-func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
+func buildValuteMapping(logger *zap.Logger, items []valuteItem) (*valuteMapping, error) {
 	byISO := make(map[string]valuteInfo, len(items))
 	byID := make(map[string]valuteInfo, len(items))
 	byNum := make(map[string]string, len(items))
@@ -348,12 +412,19 @@ func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
 		isoNum := strings.TrimSpace(item.ISONum)
 		name := strings.TrimSpace(item.Name)
 		engName := strings.TrimSpace(item.EngName)
+
 		nominal, err := parseNominal(item.NominalStr)
 		if err != nil {
 			return nil, merrors.InvalidDataType("cbr: parse directory nominal: " + err.Error())
 		}
+
 		if id == "" || isoChar == "" {
-			return nil, merrors.InvalidDataType("cbr: directory contains entry with empty id or iso code")
+			logger.Info("Skipping invalid currency entry",
+				zap.String("id", id),
+				zap.String("iso_char", isoChar),
+				zap.String("name", name),
+			)
+			continue
 		}
 
 		info := valuteInfo{
@@ -365,12 +436,60 @@ func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
 			Nominal:     nominal,
 		}
 
-		if existing, ok := byISO[isoChar]; ok && existing.ID != id {
+		// Handle duplicate ISO char codes (e.g. DEM with different IDs / nominals).
-			return nil, merrors.InvalidDataType("cbr: duplicate ISO code " + isoChar)
+		if existing, ok := byISO[isoChar]; ok {
+			// Same ISO + same ID: duplicate entry, just ignore.
+			if existing.ID == id {
+				logger.Debug("Duplicate directory entry for same ISO and ID, ignoring",
+					zap.String("iso_code", isoChar),
+					zap.String("id", id),
+				)
+				continue
 			}
-		if existing, ok := byID[id]; ok && existing.ISOCharCode != isoChar {
+
-			return nil, merrors.InvalidDataType("cbr: duplicate valute id " + id)
+			// Different IDs but same ISO char.
+			// Choose canonical entry:
+			//  1) Prefer nominal == 1
+			//  2) Otherwise prefer smaller nominal
+			keepExisting := true
+
+			if existing.Nominal != 1 && info.Nominal == 1 {
+				keepExisting = false
+			} else if existing.Nominal == 1 && info.Nominal != 1 {
+				keepExisting = true
+			} else if info.Nominal < existing.Nominal {
+				keepExisting = false
 			}
+
+			if keepExisting {
+				logger.Warn("Ignoring duplicate ISO currency entry with less preferred nominal",
+					zap.String("iso_code", isoChar),
+					zap.String("existing_id", existing.ID),
+					zap.Int64("existing_nominal", existing.Nominal),
+					zap.String("new_id", info.ID),
+					zap.Int64("new_nominal", info.Nominal),
+				)
+				// We keep the old one, just skip the new.
+				continue
+			}
+
+			// Replace existing mapping with the new, more canonical one.
+			logger.Warn("Replacing currency mapping due to more canonical nominal",
+				zap.String("iso_code", isoChar),
+				zap.String("old_id", existing.ID),
+				zap.Int64("old_nominal", existing.Nominal),
+				zap.String("new_id", info.ID),
+				zap.Int64("new_nominal", info.Nominal),
+			)
+
+			// Update byID: drop old ID, add new one
+			delete(byID, existing.ID)
+			byID[id] = info
+
+			// Update ISO mapping
+			byISO[isoChar] = info
+
+			// Update numeric-code index if present
 			if isoNum != "" {
 				if existingID, ok := byNum[isoNum]; ok && existingID != id {
 					return nil, merrors.InvalidDataType("cbr: duplicate ISO numeric code " + isoNum)
@@ -378,6 +497,24 @@ func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
 				byNum[isoNum] = id
 			}
 
+			continue
+		}
+
+		// No existing ISO entry, do normal uniqueness checks.
+
+		if existing, ok := byID[id]; ok && existing.ISOCharCode != isoChar {
+			return nil, merrors.InvalidDataType("cbr: duplicate valute id " + id)
+		}
+
+		if isoNum != "" {
+			if existingID, ok := byNum[isoNum]; ok && existingID != id {
+				return nil, merrors.InvalidDataType("cbr: duplicate ISO numeric code " + isoNum)
+			}
+			byNum[isoNum] = id
+		}
+
+		logger.Info("Installing currency code", zap.String("iso_code", isoChar), zap.String("id", id), zap.Int64("nominal", nominal))
+
 		byISO[isoChar] = info
 		byID[id] = info
 	}

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

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

api/fx/ingestor/main.go

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

api/fx/oracle/go.mod

@@ -14,7 +14,7 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
@@ -33,7 +33,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
@@ -50,5 +50,5 @@ require (
 	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 v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/fx/oracle/go.sum

@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -212,12 +212,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

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

@@ -11,7 +11,6 @@ import (
 	smodel "github.com/tech/sendico/pkg/model"
 	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
-	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 )
@@ -171,10 +170,13 @@ func buildQuoteMeta(meta *oraclev1.RequestMeta) *model.QuoteMeta {
 	}
 	trace := meta.GetTrace()
 	qm := &model.QuoteMeta{
-		RequestRef:     deriveRequestRef(meta, trace),
 		TenantRef: meta.GetTenantRef(),
-		TraceRef:       deriveTraceRef(meta, trace),
+	}
-		IdempotencyKey: deriveIdempotencyKey(meta, trace),
+
+	if trace != nil {
+		qm.RequestRef = trace.GetRequestRef()
+		qm.TraceRef = trace.GetTraceRef()
+		qm.IdempotencyKey = trace.GetIdempotencyKey()
 	}
 	if org := strings.TrimSpace(meta.GetOrganizationRef()); org != "" {
 		if objID, err := primitive.ObjectIDFromHex(org); err == nil {
@@ -201,24 +203,3 @@ func computeExpiry(now time.Time, ttlMs int64) (int64, error) {
 	}
 	return now.Add(time.Duration(ttlMs) * time.Millisecond).UnixMilli(), nil
 }
-
-func deriveRequestRef(meta *oraclev1.RequestMeta, trace *tracev1.TraceContext) string {
-	if trace != nil && trace.GetRequestRef() != "" {
-		return trace.GetRequestRef()
-	}
-	return meta.GetRequestRef()
-}
-
-func deriveTraceRef(meta *oraclev1.RequestMeta, trace *tracev1.TraceContext) string {
-	if trace != nil && trace.GetTraceRef() != "" {
-		return trace.GetTraceRef()
-	}
-	return meta.GetTraceRef()
-}
-
-func deriveIdempotencyKey(meta *oraclev1.RequestMeta, trace *tracev1.TraceContext) string {
-	if trace != nil && trace.GetIdempotencyKey() != "" {
-		return trace.GetIdempotencyKey()
-	}
-	return meta.GetIdempotencyKey()
-}

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

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

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

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

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

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

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

@@ -7,7 +7,6 @@ import (
 	smodel "github.com/tech/sendico/pkg/model"
 	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
-	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
 )
 
@@ -16,18 +15,11 @@ func buildResponseMeta(meta *oraclev1.RequestMeta) *oraclev1.ResponseMeta {
 	if meta == nil {
 		return resp
 	}
-	resp.RequestRef = meta.GetRequestRef()
-	resp.TraceRef = meta.GetTraceRef()
 
 	trace := meta.GetTrace()
-	if trace == nil {
+	if trace != nil {
-		trace = &tracev1.TraceContext{
-			RequestRef:     meta.GetRequestRef(),
-			IdempotencyKey: meta.GetIdempotencyKey(),
-			TraceRef:       meta.GetTraceRef(),
-		}
-	}
 		resp.Trace = trace
+	}
 	return resp
 }
 

api/fx/storage/go.mod

@@ -28,5 +28,5 @@ require (
 	golang.org/x/crypto v0.46.0 // indirect
 	golang.org/x/sync v0.19.0 // indirect
 	golang.org/x/text v0.32.0 // indirect
-	google.golang.org/protobuf v1.36.10 // indirect
+	google.golang.org/protobuf v1.36.11 // indirect
 )

api/fx/storage/go.sum

@@ -169,7 +169,7 @@ golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBn
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
 golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc=
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/yaml.v3 v3.0.1 h1:fxVm/GzAzEWqLHuvctI91KS9hhNmmWOoWu0XTYJS7CA=
 gopkg.in/yaml.v3 v3.0.1/go.mod h1:K4uyk7z7BCEPqu6E+C64Yfv1cQ7kz7rIZviUmN+EgEM=

api/gateway/chain/go.mod

@@ -16,13 +16,13 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/Microsoft/go-winio v0.6.2 // indirect
-	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251208031133-be43a854e4be // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251213223233-751f36331c62 // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bits-and-blooms/bitset v1.24.4 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
@@ -60,7 +60,7 @@ require (
 	github.com/mitchellh/go-homedir v1.1.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/pmezard/go-difflib v1.0.0 // indirect
@@ -86,5 +86,5 @@ require (
 	golang.org/x/sys v0.39.0 // indirect
 	golang.org/x/text v0.32.0 // indirect
 	golang.org/x/time v0.14.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/gateway/chain/go.sum

@@ -6,8 +6,8 @@ github.com/DataDog/zstd v1.4.5 h1:EndNeuB0l9syBZhut0wns3gV1hL8zX8LIu6ZiVHWLIQ=
 github.com/DataDog/zstd v1.4.5/go.mod h1:1jcaCB/ufaK+sKp1NBhlGmpz41jOoPQ35bpF36t7BBo=
 github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
 github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251208031133-be43a854e4be h1:1LtMLkGIqE5IQZ7Vdh4zv8A6LECInKF86/fTVxKxYLE=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251213223233-751f36331c62 h1:Rge3uIIO891+nLqKTfMulCw+tWHtTl16Oudi0yUcAoE=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251208031133-be43a854e4be/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251213223233-751f36331c62/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
 github.com/VictoriaMetrics/fastcache v1.13.0 h1:AW4mheMR5Vd9FkAPUv+NH6Nhw+fmbTMGMsNAoA/+4G0=
 github.com/VictoriaMetrics/fastcache v1.13.0/go.mod h1:hHXhl4DA2fTL2HTZDJFXWgW0LNjo6B+4aj2Wmng3TjU=
 github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=
@@ -207,8 +207,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -362,12 +362,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/gateway/mntx/go.mod

@@ -12,7 +12,7 @@ require (
 	github.com/tech/sendico/pkg v0.1.0
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
@@ -30,7 +30,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
@@ -50,5 +50,5 @@ require (
 	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 v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/gateway/mntx/go.sum

@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -214,12 +214,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/ledger/go.mod

@@ -12,7 +12,7 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
@@ -33,7 +33,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/pmezard/go-difflib v1.0.0 // indirect
@@ -51,5 +51,5 @@ require (
 	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 v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/ledger/go.sum

@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -214,12 +214,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/notification/go.mod

@@ -33,7 +33,7 @@ require (
 	github.com/mattn/go-isatty v0.0.20 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_golang v1.23.2 // indirect
@@ -52,7 +52,7 @@ require (
 	golang.org/x/net v0.48.0 // indirect
 	golang.org/x/sync v0.19.0 // indirect
 	golang.org/x/sys v0.39.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 	google.golang.org/grpc v1.77.0 // indirect
-	google.golang.org/protobuf v1.36.10 // indirect
+	google.golang.org/protobuf v1.36.11 // indirect
 )

api/notification/go.sum

@@ -99,8 +99,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -227,12 +227,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/payments/orchestrator/client/client.go

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

api/payments/orchestrator/client/fake.go

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

api/payments/orchestrator/config.yml

@@ -61,3 +61,6 @@ card_gateways:
   monetix:
     funding_address: "wallet_funding_monetix"
     fee_address: "wallet_fee_monetix"
+
+fee_ledger_accounts:
+  monetix: "ledger:fees:monetix"

api/payments/orchestrator/go.mod

@@ -25,7 +25,7 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 )
 
@@ -45,7 +45,7 @@ require (
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/prometheus/client_model v0.6.2 // indirect
@@ -62,5 +62,5 @@ require (
 	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 v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 )

api/payments/orchestrator/go.sum

@@ -95,8 +95,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -215,12 +215,12 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

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

@@ -46,6 +46,7 @@ type config struct {
 	Gateway         clientConfig                      `yaml:"gateway"`
 	Oracle          clientConfig                      `yaml:"oracle"`
 	CardGateways    map[string]cardGatewayRouteConfig `yaml:"card_gateways"`
+	FeeAccounts     map[string]string                 `yaml:"fee_ledger_accounts"`
 }
 
 type clientConfig struct {
@@ -159,6 +160,9 @@ func (i *Imp) Start() error {
 		if routes := buildCardGatewayRoutes(cfg.CardGateways); len(routes) > 0 {
 			opts = append(opts, orchestrator.WithCardGatewayRoutes(routes))
 		}
+		if feeAccounts := buildFeeLedgerAccounts(cfg.FeeAccounts); len(feeAccounts) > 0 {
+			opts = append(opts, orchestrator.WithFeeLedgerAccounts(feeAccounts))
+		}
 		return orchestrator.NewService(logger, repo, opts...), nil
 	}
 
@@ -323,3 +327,19 @@ func buildCardGatewayRoutes(src map[string]cardGatewayRouteConfig) map[string]or
 	}
 	return result
 }
+
+func buildFeeLedgerAccounts(src map[string]string) map[string]string {
+	if len(src) == 0 {
+		return nil
+	}
+	result := make(map[string]string, len(src))
+	for key, account := range src {
+		k := strings.ToLower(strings.TrimSpace(key))
+		v := strings.TrimSpace(account)
+		if k == "" || v == "" {
+			continue
+		}
+		result[k] = v
+	}
+	return result
+}

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

@@ -61,6 +61,13 @@ func (f *paymentCommandFactory) QuotePayment() *quotePaymentCommand {
 	}
 }
 
+func (f *paymentCommandFactory) QuotePayments() *quotePaymentsCommand {
+	return &quotePaymentsCommand{
+		engine: f.engine,
+		logger: f.logger.Named("quote_payments"),
+	}
+}
+
 func (f *paymentCommandFactory) InitiatePayment() *initiatePaymentCommand {
 	return &initiatePaymentCommand{
 		engine: f.engine,
@@ -68,6 +75,13 @@ func (f *paymentCommandFactory) InitiatePayment() *initiatePaymentCommand {
 	}
 }
 
+func (f *paymentCommandFactory) InitiatePayments() *initiatePaymentsCommand {
+	return &initiatePaymentsCommand{
+		engine: f.engine,
+		logger: f.logger.Named("initiate_payments"),
+	}
+}
+
 func (f *paymentCommandFactory) CancelPayment() *cancelPaymentCommand {
 	return &cancelPaymentCommand{
 		engine: f.engine,

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

@@ -26,6 +26,7 @@ func intentFromProto(src *orchestratorv1.PaymentIntent) model.PaymentIntent {
 		Amount:         cloneMoney(src.GetAmount()),
 		RequiresFX:     src.GetRequiresFx(),
 		FeePolicy:      src.GetFeePolicy(),
+		SettlementMode: src.GetSettlementMode(),
 		Attributes:     cloneMetadata(src.GetAttributes()),
 	}
 	if src.GetFx() != nil {
@@ -159,6 +160,7 @@ func protoIntentFromModel(src model.PaymentIntent) *orchestratorv1.PaymentIntent
 		Amount:         cloneMoney(src.Amount),
 		RequiresFx:     src.RequiresFX,
 		FeePolicy:      src.FeePolicy,
+		SettlementMode: src.SettlementMode,
 		Attributes:     cloneMetadata(src.Attributes),
 	}
 	if src.FX != nil {

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

@@ -4,6 +4,7 @@ import (
 	"context"
 	"errors"
 	"strings"
+	"time"
 
 	"github.com/tech/sendico/payments/orchestrator/storage"
 	"github.com/tech/sendico/payments/orchestrator/storage/model"
@@ -66,6 +67,177 @@ func (h *quotePaymentCommand) Execute(ctx context.Context, req *orchestratorv1.Q
 	return gsresponse.Success(&orchestratorv1.QuotePaymentResponse{Quote: quote})
 }
 
+type quotePaymentsCommand struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func (h *quotePaymentsCommand) Execute(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) gsresponse.Responder[orchestratorv1.QuotePaymentsResponse] {
+	if err := h.engine.EnsureRepository(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	orgRef, orgID, err := validateMetaAndOrgRef(req.GetMeta())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	intents := req.GetIntents()
+	if len(intents) == 0 {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("intents are required"))
+	}
+
+	baseKey := strings.TrimSpace(req.GetIdempotencyKey())
+	quotes := make([]*orchestratorv1.PaymentQuote, 0, len(intents))
+	expires := make([]time.Time, 0, len(intents))
+	for i, intent := range intents {
+		if err := requireNonNilIntent(intent); err != nil {
+			return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quoteReq := &orchestratorv1.QuotePaymentRequest{
+			Meta:           req.GetMeta(),
+			IdempotencyKey: perIntentIdempotencyKey(baseKey, i, len(intents)),
+			Intent:         intent,
+			PreviewOnly:    req.GetPreviewOnly(),
+		}
+		quote, expiresAt, err := h.engine.BuildPaymentQuote(ctx, orgRef, quoteReq)
+		if err != nil {
+			return gsresponse.Auto[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quotes = append(quotes, quote)
+		expires = append(expires, expiresAt)
+	}
+
+	aggregate, err := aggregatePaymentQuotes(quotes)
+	if err != nil {
+		return gsresponse.Auto[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InternalWrap(err, "quote aggregation failed"))
+	}
+	expiresAt, ok := minQuoteExpiry(expires)
+	if !ok {
+		return gsresponse.Auto[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.Internal("quote expiry missing"))
+	}
+
+	quoteRef := ""
+	if !req.GetPreviewOnly() {
+		quotesStore, err := ensureQuotesStore(h.engine.Repository())
+		if err != nil {
+			return gsresponse.Unavailable[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quoteRef = primitive.NewObjectID().Hex()
+		record := &model.PaymentQuoteRecord{
+			QuoteRef:  quoteRef,
+			Intents:   intentsFromProto(intents),
+			Quotes:    quoteSnapshotsFromProto(quotes),
+			ExpiresAt: expiresAt,
+		}
+		record.SetID(primitive.NewObjectID())
+		record.SetOrganizationRef(orgID)
+		if err := quotesStore.Create(ctx, record); err != nil {
+			return gsresponse.Auto[orchestratorv1.QuotePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		h.logger.Info("stored payment quotes", zap.String("quote_ref", quoteRef), zap.String("org_ref", orgID.Hex()))
+	}
+
+	return gsresponse.Success(&orchestratorv1.QuotePaymentsResponse{
+		QuoteRef:  quoteRef,
+		Aggregate: aggregate,
+		Quotes:    quotes,
+	})
+}
+
+type initiatePaymentsCommand struct {
+	engine paymentEngine
+	logger mlogger.Logger
+}
+
+func (h *initiatePaymentsCommand) Execute(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) gsresponse.Responder[orchestratorv1.InitiatePaymentsResponse] {
+	if err := h.engine.EnsureRepository(ctx); err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	if req == nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("nil request"))
+	}
+	_, orgID, err := validateMetaAndOrgRef(req.GetMeta())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	idempotencyKey, err := requireIdempotencyKey(req.GetIdempotencyKey())
+	if err != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	quoteRef := strings.TrimSpace(req.GetQuoteRef())
+	if quoteRef == "" {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("quote_ref is required"))
+	}
+
+	quotesStore, err := ensureQuotesStore(h.engine.Repository())
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+	record, err := quotesStore.GetByRef(ctx, orgID, quoteRef)
+	if err != nil {
+		if errors.Is(err, storage.ErrQuoteNotFound) {
+			return gsresponse.FailedPrecondition[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, "quote_not_found", merrors.InvalidArgument("quote_ref not found or expired"))
+		}
+		return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	intents := record.Intents
+	quotes := record.Quotes
+	if len(intents) == 0 && record.Intent.Kind != "" && record.Intent.Kind != model.PaymentKindUnspecified {
+		intents = []model.PaymentIntent{record.Intent}
+	}
+	if len(quotes) == 0 && record.Quote != nil {
+		quotes = []*model.PaymentQuoteSnapshot{record.Quote}
+	}
+	if len(intents) == 0 || len(quotes) == 0 || len(intents) != len(quotes) {
+		return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("stored quote payload is incomplete"))
+	}
+
+	store, err := ensurePaymentsStore(h.engine.Repository())
+	if err != nil {
+		return gsresponse.Unavailable[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+	}
+
+	payments := make([]*orchestratorv1.Payment, 0, len(intents))
+	for i := range intents {
+		intentProto := protoIntentFromModel(intents[i])
+		if err := requireNonNilIntent(intentProto); err != nil {
+			return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+		quoteProto := modelQuoteToProto(quotes[i])
+		if quoteProto == nil {
+			return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("stored quote is empty"))
+		}
+		quoteProto.QuoteRef = quoteRef
+
+		perKey := perIntentIdempotencyKey(idempotencyKey, i, len(intents))
+		if existing, err := getPaymentByIdempotencyKey(ctx, store, orgID, perKey); err == nil && existing != nil {
+			payments = append(payments, toProtoPayment(existing))
+			continue
+		} else if err != nil && !errors.Is(err, storage.ErrPaymentNotFound) {
+			return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+
+		entity := newPayment(orgID, intentProto, perKey, req.GetMetadata(), quoteProto)
+		if err = store.Create(ctx, entity); err != nil {
+			if errors.Is(err, storage.ErrDuplicatePayment) {
+				return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, merrors.DataConflict("payment already exists"))
+			}
+			return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+
+		if err := h.engine.ExecutePayment(ctx, store, entity, quoteProto); err != nil {
+			return gsresponse.Auto[orchestratorv1.InitiatePaymentsResponse](h.logger, mservice.PaymentOrchestrator, err)
+		}
+
+		payments = append(payments, toProtoPayment(entity))
+	}
+
+	return gsresponse.Success(&orchestratorv1.InitiatePaymentsResponse{Payments: payments})
+}
+
 type initiatePaymentCommand struct {
 	engine paymentEngine
 	logger mlogger.Logger

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

@@ -145,7 +145,7 @@ func resolveTradeAmounts(intentAmount *moneyv1.Money, fxQuote *oraclev1.Quote, s
 	}
 }
 
-func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.EstimateTransferFeeResponse, fxQuote *oraclev1.Quote) (*moneyv1.Money, *moneyv1.Money) {
+func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.EstimateTransferFeeResponse, fxQuote *oraclev1.Quote, mode orchestratorv1.SettlementMode) (*moneyv1.Money, *moneyv1.Money) {
 	if pay == nil {
 		return nil, nil
 	}
@@ -166,7 +166,7 @@ func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.Est
 		}
 	}
 
-	adjustDebit := func(m *moneyv1.Money) {
+	applyChargeToDebit := func(m *moneyv1.Money) {
 		converted, err := ensureCurrency(m, pay.GetCurrency(), fxQuote)
 		if err != nil || converted == nil {
 			return
@@ -176,7 +176,7 @@ func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.Est
 		}
 	}
 
-	adjustSettlement := func(m *moneyv1.Money) {
+	applyChargeToSettlement := func(m *moneyv1.Money) {
 		converted, err := ensureCurrency(m, settlementCurrency, fxQuote)
 		if err != nil || converted == nil {
 			return
@@ -186,12 +186,22 @@ func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.Est
 		}
 	}
 
-	adjustDebit(fee)
+	switch mode {
-	adjustSettlement(fee)
+	case orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED:
+		// Sender pays the fee: keep settlement fixed, increase debit.
+		applyChargeToDebit(fee)
+	default:
+		// Recipient pays the fee (default): reduce settlement, keep debit fixed.
+		applyChargeToSettlement(fee)
+	}
 
 	if network != nil && network.GetNetworkFee() != nil {
-		adjustDebit(network.GetNetworkFee())
+		switch mode {
-		adjustSettlement(network.GetNetworkFee())
+		case orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED:
+			applyChargeToDebit(network.GetNetworkFee())
+		default:
+			applyChargeToSettlement(network.GetNetworkFee())
+		}
 	}
 
 	return makeMoney(pay.GetCurrency(), debitDecimal), makeMoney(settlementCurrency, settlementDecimal)
@@ -383,6 +393,22 @@ func feeBreakdownFromQuote(quote *orchestratorv1.PaymentQuote) []*chainv1.Servic
 	return breakdown
 }
 
+func assignLedgerAccounts(lines []*feesv1.DerivedPostingLine, account string) []*feesv1.DerivedPostingLine {
+	if account == "" || len(lines) == 0 {
+		return lines
+	}
+	for _, line := range lines {
+		if line == nil {
+			continue
+		}
+		if strings.TrimSpace(line.GetLedgerAccountRef()) != "" {
+			continue
+		}
+		line.LedgerAccountRef = account
+	}
+	return lines
+}
+
 func moneyEquals(a, b *moneyv1.Money) bool {
 	if a == nil || b == nil {
 		return false

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

@@ -7,6 +7,7 @@ import (
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 )
 
 func TestResolveTradeAmountsBuyBase(t *testing.T) {
@@ -47,11 +48,32 @@ func TestComputeAggregatesConvertsCurrencies(t *testing.T) {
 		},
 	}
 
-	debit, settlement := computeAggregates(pay, settle, fee, network, fxQuote)
+	debit, settlement := computeAggregates(pay, settle, fee, network, fxQuote, orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED)
 	if debit.GetCurrency() != "USD" || debit.GetAmount() != "115" {
 		t.Fatalf("expected debit 115 USD, got %s %s", debit.GetCurrency(), debit.GetAmount())
 	}
-	if settlement.GetCurrency() != "EUR" || settlement.GetAmount() != "42.5" {
+	if settlement.GetCurrency() != "EUR" || settlement.GetAmount() != "50" {
-		t.Fatalf("expected settlement 42.5 EUR, got %s %s", settlement.GetCurrency(), settlement.GetAmount())
+		t.Fatalf("expected settlement 50 EUR, got %s %s", settlement.GetCurrency(), settlement.GetAmount())
+	}
+}
+
+func TestComputeAggregatesRecipientPaysFee(t *testing.T) {
+	pay := &moneyv1.Money{Currency: "USDT", Amount: "100"}
+	settle := &moneyv1.Money{Currency: "RUB", Amount: "7932"} // 100 * 79.32
+	fee := &moneyv1.Money{Currency: "USDT", Amount: "7"}      // 7% of 100
+	fxQuote := &oraclev1.Quote{
+		Pair: &fxv1.CurrencyPair{Base: "USDT", Quote: "RUB"},
+		Side: fxv1.Side_SELL_BASE_BUY_QUOTE,
+		Price: &moneyv1.Decimal{
+			Value: "79.32",
+		},
+	}
+
+	debit, settlement := computeAggregates(pay, settle, fee, nil, fxQuote, orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_SOURCE)
+	if debit.GetCurrency() != "USDT" || debit.GetAmount() != "100" {
+		t.Fatalf("expected debit 100 USDT, got %s %s", debit.GetCurrency(), debit.GetAmount())
+	}
+	if settlement.GetCurrency() != "RUB" || settlement.GetAmount() != "7376.76" {
+		t.Fatalf("expected settlement 7376.76 RUB, got %s %s", settlement.GetCurrency(), settlement.GetAmount())
 	}
 }

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

@@ -113,6 +113,24 @@ func WithCardGatewayRoutes(routes map[string]CardGatewayRoute) Option {
 	}
 }
 
+// WithFeeLedgerAccounts maps gateway identifiers to ledger accounts used for fees.
+func WithFeeLedgerAccounts(routes map[string]string) Option {
+	return func(s *Service) {
+		if len(routes) == 0 {
+			return
+		}
+		s.deps.feeLedgerAccounts = make(map[string]string, len(routes))
+		for k, v := range routes {
+			key := strings.ToLower(strings.TrimSpace(k))
+			val := strings.TrimSpace(v)
+			if key == "" || val == "" {
+				continue
+			}
+			s.deps.feeLedgerAccounts[key] = val
+		}
+	}
+}
+
 // WithClock overrides the default clock.
 func WithClock(clock clockpkg.Clock) Option {
 	return func(s *Service) {

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

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

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

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

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

@@ -52,7 +52,9 @@ func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *orc
 	} else if amount != nil {
 		feeCurrency = amount.GetCurrency()
 	}
-	feeTotal := extractFeeTotal(feeQuote.GetLines(), feeCurrency)
+	feeLines := cloneFeeLines(feeQuote.GetLines())
+	s.assignFeeLedgerAccounts(intent, feeLines)
+	feeTotal := extractFeeTotal(feeLines, feeCurrency)
 
 	var networkFee *chainv1.EstimateTransferFeeResponse
 	if shouldEstimateNetworkFee(intent) {
@@ -63,13 +65,13 @@ func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *orc
 		s.logger.Debug("network fee estimated", zap.String("org_ref", orgRef))
 	}
 
-	debitAmount, settlementAmount := computeAggregates(payAmount, settlementAmountBeforeFees, feeTotal, networkFee, fxQuote)
+	debitAmount, settlementAmount := computeAggregates(payAmount, settlementAmountBeforeFees, feeTotal, networkFee, fxQuote, intent.GetSettlementMode())
 
 	quote := &orchestratorv1.PaymentQuote{
 		DebitAmount:              debitAmount,
 		ExpectedSettlementAmount: settlementAmount,
 		ExpectedFeeTotal:         feeTotal,
-		FeeLines:                 cloneFeeLines(feeQuote.GetLines()),
+		FeeLines:                 feeLines,
 		FeeRules:                 cloneFeeRules(feeQuote.GetApplied()),
 		FxQuote:                  fxQuote,
 		NetworkFee:               networkFee,
@@ -207,3 +209,53 @@ func (s *Service) requestFXQuote(ctx context.Context, orgRef string, req *orches
 	}
 	return quoteToProto(quote), nil
 }
+
+func (s *Service) feeLedgerAccountForIntent(intent *orchestratorv1.PaymentIntent) string {
+	if intent == nil || len(s.deps.feeLedgerAccounts) == 0 {
+		return ""
+	}
+
+	key := s.gatewayKeyFromIntent(intent)
+	if key == "" {
+		return ""
+	}
+	return strings.TrimSpace(s.deps.feeLedgerAccounts[key])
+}
+
+func (s *Service) assignFeeLedgerAccounts(intent *orchestratorv1.PaymentIntent, lines []*feesv1.DerivedPostingLine) {
+	account := s.feeLedgerAccountForIntent(intent)
+	key := s.gatewayKeyFromIntent(intent)
+
+	missing := 0
+	for _, line := range lines {
+		if line == nil {
+			continue
+		}
+		if strings.TrimSpace(line.GetLedgerAccountRef()) == "" {
+			missing++
+		}
+	}
+	if missing == 0 {
+		return
+	}
+
+	if account == "" {
+		s.logger.Debug("no fee ledger account mapping found", zap.String("gateway", key), zap.Int("missing_lines", missing))
+		return
+	}
+	assignLedgerAccounts(lines, account)
+	s.logger.Debug("applied fee ledger account mapping", zap.String("gateway", key), zap.String("ledger_account", account), zap.Int("lines", missing))
+}
+
+func (s *Service) gatewayKeyFromIntent(intent *orchestratorv1.PaymentIntent) string {
+	if intent == nil {
+		return ""
+	}
+	key := strings.TrimSpace(intent.GetAttributes()["gateway"])
+	if key == "" {
+		if dest := intent.GetDestination(); dest != nil && dest.GetCard() != nil {
+			key = defaultCardGateway
+		}
+	}
+	return strings.ToLower(key)
+}

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

@@ -47,6 +47,7 @@ type serviceDependencies struct {
 	oracle            oracleDependency
 	mntx              mntxDependency
 	cardRoutes        map[string]CardGatewayRoute
+	feeLedgerAccounts map[string]string
 }
 
 type handlerSet struct {
@@ -116,12 +117,24 @@ func (s *Service) QuotePayment(ctx context.Context, req *orchestratorv1.QuotePay
 	return executeUnary(ctx, s, "QuotePayment", s.h.commands.QuotePayment().Execute, req)
 }
 
+// QuotePayments aggregates downstream quotes for multiple intents.
+func (s *Service) QuotePayments(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) (*orchestratorv1.QuotePaymentsResponse, error) {
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "QuotePayments", s.h.commands.QuotePayments().Execute, req)
+}
+
 // InitiatePayment captures a payment intent and reserves funds orchestration.
 func (s *Service) InitiatePayment(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) (*orchestratorv1.InitiatePaymentResponse, error) {
 	s.ensureHandlers()
 	return executeUnary(ctx, s, "InitiatePayment", s.h.commands.InitiatePayment().Execute, req)
 }
 
+// InitiatePayments executes multiple payments using a stored quote reference.
+func (s *Service) InitiatePayments(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) (*orchestratorv1.InitiatePaymentsResponse, error) {
+	s.ensureHandlers()
+	return executeUnary(ctx, s, "InitiatePayments", s.h.commands.InitiatePayments().Execute, req)
+}
+
 // CancelPayment attempts to cancel an in-flight payment.
 func (s *Service) CancelPayment(ctx context.Context, req *orchestratorv1.CancelPaymentRequest) (*orchestratorv1.CancelPaymentResponse, error) {
 	s.ensureHandlers()

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

@@ -49,6 +49,7 @@ func TestNewPayment(t *testing.T) {
 	org := primitive.NewObjectID()
 	intent := &orchestratorv1.PaymentIntent{
 		Amount:         &moneyv1.Money{Currency: "USD", Amount: "10"},
+		SettlementMode: orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED,
 	}
 	quote := &orchestratorv1.PaymentQuote{QuoteRef: "q1"}
 	p := newPayment(org, intent, "idem", map[string]string{"k": "v"}, quote)
@@ -58,6 +59,9 @@ func TestNewPayment(t *testing.T) {
 	if p.Intent.Amount == nil || p.Intent.Amount.GetAmount() != "10" {
 		t.Fatalf("intent not copied")
 	}
+	if p.Intent.SettlementMode != orchestratorv1.SettlementMode_SETTLEMENT_MODE_FIX_RECEIVED {
+		t.Fatalf("settlement mode not preserved")
+	}
 	if p.LastQuote == nil || p.LastQuote.QuoteRef != "q1" {
 		t.Fatalf("quote not copied")
 	}

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

@@ -11,6 +11,7 @@ import (
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 )
 
 // PaymentKind captures the orchestrator intent type.
@@ -131,6 +132,7 @@ type PaymentIntent struct {
 	RequiresFX     bool                          `bson:"requiresFx,omitempty" json:"requiresFx,omitempty"`
 	FX             *FXIntent                     `bson:"fx,omitempty" json:"fx,omitempty"`
 	FeePolicy      *feesv1.PolicyOverrides       `bson:"feePolicy,omitempty" json:"feePolicy,omitempty"`
+	SettlementMode orchestratorv1.SettlementMode `bson:"settlementMode,omitempty" json:"settlementMode,omitempty"`
 	Attributes     map[string]string             `bson:"attributes,omitempty" json:"attributes,omitempty"`
 }
 

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

@@ -13,8 +13,10 @@ type PaymentQuoteRecord struct {
 	model.OrganizationBoundBase `bson:",inline" json:",inline"`
 
 	QuoteRef  string                  `bson:"quoteRef" json:"quoteRef"`
-	Intent    PaymentIntent         `bson:"intent" json:"intent"`
+	Intent    PaymentIntent           `bson:"intent,omitempty" json:"intent,omitempty"`
-	Quote     *PaymentQuoteSnapshot `bson:"quote" json:"quote"`
+	Intents   []PaymentIntent         `bson:"intents,omitempty" json:"intents,omitempty"`
+	Quote     *PaymentQuoteSnapshot   `bson:"quote,omitempty" json:"quote,omitempty"`
+	Quotes    []*PaymentQuoteSnapshot `bson:"quotes,omitempty" json:"quotes,omitempty"`
 	ExpiresAt time.Time               `bson:"expiresAt" json:"expiresAt"`
 }
 

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

@@ -73,6 +73,16 @@ func (q *Quotes) Create(ctx context.Context, quote *model.PaymentQuoteRecord) er
 			quote.Intent.Attributes[k] = strings.TrimSpace(v)
 		}
 	}
+	if len(quote.Intents) > 0 {
+		for i := range quote.Intents {
+			if quote.Intents[i].Attributes == nil {
+				continue
+			}
+			for k, v := range quote.Intents[i].Attributes {
+				quote.Intents[i].Attributes[k] = strings.TrimSpace(v)
+			}
+		}
+	}
 	quote.Update()
 
 	filter := repository.OrgFilter(quote.OrganizationRef).And(

api/pkg/go.mod

@@ -9,7 +9,7 @@ require (
 	github.com/google/uuid v1.6.0
 	github.com/mattn/go-colorable v0.1.14
 	github.com/mitchellh/mapstructure v1.5.0
-	github.com/nats-io/nats.go v1.47.0
+	github.com/nats-io/nats.go v1.48.0
 	github.com/prometheus/client_golang v1.23.2
 	github.com/stretchr/testify v1.11.1
 	github.com/testcontainers/testcontainers-go v0.33.0
@@ -18,7 +18,7 @@ require (
 	go.uber.org/zap v1.27.1
 	golang.org/x/crypto v0.46.0
 	google.golang.org/grpc v1.77.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 )
 
 require (
@@ -93,6 +93,6 @@ require (
 	golang.org/x/sys v0.39.0 // indirect
 	golang.org/x/text v0.32.0 // indirect
 	golang.org/x/time v0.5.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 	gopkg.in/yaml.v3 v3.0.1 // indirect
 )

api/pkg/go.sum

@@ -106,8 +106,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -269,12 +269,12 @@ gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
 google.golang.org/genproto/googleapis/api v0.0.0-20251022142026-3a174f9686a8 h1:mepRgnBZa07I4TRuomDE4sTIYieg/osKmzIf4USdWS4=
 google.golang.org/genproto/googleapis/api v0.0.0-20251022142026-3a174f9686a8/go.mod h1:fDMmzKV90WSg1NbozdqrE64fkuTv6mlq2zxo9ad+3yo=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c/go.mod h1:JHkPIbrfpd72SG/EVd6muEfDQjcINNoR0C8j2r3qZ4Q=

api/pkg/model/cryptoaddress.go

@@ -8,6 +8,7 @@ import (
 )
 
 type CryptoAddressPaymentData struct {
+	Currency       Currency `bson:"currency" json:"currency"`
 	Address        string   `bson:"address" json:"address"`
 	Network        string   `bson:"network" json:"network"`
 	DestinationTag *string  `bson:"destinationTag,omitempty" json:"destinationTag,omitempty"`

api/pkg/model/currency.go

@@ -9,6 +9,7 @@ const (
 	CurrencyUAH  Currency = "UAH"  // Ukrainian Hryvnia
 	CurrencyPLN  Currency = "PLN"  // Polish Złoty
 	CurrencyCZK  Currency = "CZK"  // Czech Koruna
+	CurrencyUSDT Currency = "USDT" // Czech Koruna
 )
 
 // All supported currencies
@@ -19,6 +20,7 @@ var SupportedCurrencies = []Currency{
 	CurrencyUAH,
 	CurrencyPLN,
 	CurrencyCZK,
+	CurrencyUSDT,
 }
 
 type Amount struct {

api/proto/oracle/v1/oracle.proto

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

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

@@ -125,6 +125,13 @@ message PaymentQuote {
   string quote_ref = 8;
 }
 
+message PaymentQuoteAggregate {
+  repeated common.money.v1.Money debit_amounts = 1;
+  repeated common.money.v1.Money expected_settlement_amounts = 2;
+  repeated common.money.v1.Money expected_fee_totals = 3;
+  repeated common.money.v1.Money network_fee_totals = 4;
+}
+
 message ExecutionRefs {
   string debit_entry_ref = 1;
   string credit_entry_ref = 2;
@@ -172,6 +179,30 @@ message QuotePaymentResponse {
   PaymentQuote quote = 1;
 }
 
+message QuotePaymentsRequest {
+  RequestMeta meta = 1;
+  string idempotency_key = 2;
+  repeated PaymentIntent intents = 3;
+  bool preview_only = 4;
+}
+
+message QuotePaymentsResponse {
+  string quote_ref = 1;
+  PaymentQuoteAggregate aggregate = 2;
+  repeated PaymentQuote quotes = 3;
+}
+
+message InitiatePaymentsRequest {
+  RequestMeta meta = 1;
+  string idempotency_key = 2;
+  string quote_ref = 3;
+  map<string, string> metadata = 4;
+}
+
+message InitiatePaymentsResponse {
+  repeated Payment payments = 1;
+}
+
 message InitiatePaymentRequest {
   RequestMeta meta = 1;
   string idempotency_key = 2;
@@ -259,6 +290,8 @@ message InitiateConversionResponse {
 
 service PaymentOrchestrator {
   rpc QuotePayment(QuotePaymentRequest) returns (QuotePaymentResponse);
+  rpc QuotePayments(QuotePaymentsRequest) returns (QuotePaymentsResponse);
+  rpc InitiatePayments(InitiatePaymentsRequest) returns (InitiatePaymentsResponse);
   rpc InitiatePayment(InitiatePaymentRequest) returns (InitiatePaymentResponse);
   rpc CancelPayment(CancelPaymentRequest) returns (CancelPaymentResponse);
   rpc GetPayment(GetPaymentRequest) returns (GetPaymentResponse);

api/server/config.yml

@@ -90,8 +90,8 @@ api:
     call_timeout_seconds: 5
     insecure: true
   payment_orchestrator:
-    address: sendico_payment_orchestrator:50062
+    address: sendico_payments_orchestrator:50062
-    address_env: PAYMENT_ORCHESTRATOR_ADDRESS
+    address_env: PAYMENTS_ADDRESS
     dial_timeout_seconds: 5
     call_timeout_seconds: 5
     insecure: true

api/server/go.mod

@@ -12,9 +12,9 @@ replace github.com/tech/sendico/gateway/chain => ../gateway/chain
 
 require (
 	github.com/aws/aws-sdk-go-v2 v1.41.0
-	github.com/aws/aws-sdk-go-v2/config v1.32.5
+	github.com/aws/aws-sdk-go-v2/config v1.32.6
-	github.com/aws/aws-sdk-go-v2/credentials v1.19.5
+	github.com/aws/aws-sdk-go-v2/credentials v1.19.6
-	github.com/aws/aws-sdk-go-v2/service/s3 v1.93.2
+	github.com/aws/aws-sdk-go-v2/service/s3 v1.94.0
 	github.com/go-chi/chi/v5 v5.2.3
 	github.com/go-chi/cors v1.2.2
 	github.com/go-chi/jwtauth/v5 v5.3.3
@@ -32,7 +32,7 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
 	golang.org/x/net v0.48.0
-	google.golang.org/protobuf v1.36.10
+	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 	moul.io/chizap v1.0.3
 )
@@ -58,7 +58,7 @@ require (
 	github.com/aws/aws-sdk-go-v2/service/internal/presigned-url v1.13.16 // indirect
 	github.com/aws/aws-sdk-go-v2/service/internal/s3shared v1.19.16 // indirect
 	github.com/aws/aws-sdk-go-v2/service/signin v1.0.4 // indirect
-	github.com/aws/aws-sdk-go-v2/service/sso v1.30.7 // indirect
+	github.com/aws/aws-sdk-go-v2/service/sso v1.30.8 // indirect
 	github.com/aws/aws-sdk-go-v2/service/ssooidc v1.35.12 // indirect
 	github.com/aws/aws-sdk-go-v2/service/sts v1.41.5 // indirect
 	github.com/aws/smithy-go v1.24.0 // indirect
@@ -103,7 +103,7 @@ require (
 	github.com/montanaflynn/stats v0.7.1 // indirect
 	github.com/morikuni/aec v1.0.0 // indirect
 	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
-	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nats.go v1.48.0 // indirect
 	github.com/nats-io/nkeys v0.4.12 // indirect
 	github.com/nats-io/nuid v1.0.1 // indirect
 	github.com/opencontainers/go-digest v1.0.0 // indirect
@@ -139,6 +139,6 @@ require (
 	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 v0.0.0-20251202230838-ff82c1b0f217 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 // indirect
 	google.golang.org/grpc v1.77.0 // indirect
 )

api/server/go.sum

@@ -10,10 +10,10 @@ github.com/aws/aws-sdk-go-v2 v1.41.0 h1:tNvqh1s+v0vFYdA1xq0aOJH+Y5cRyZ5upu6roPgP
 github.com/aws/aws-sdk-go-v2 v1.41.0/go.mod h1:MayyLB8y+buD9hZqkCW3kX1AKq07Y5pXxtgB+rRFhz0=
 github.com/aws/aws-sdk-go-v2/aws/protocol/eventstream v1.7.4 h1:489krEF9xIGkOaaX3CE/Be2uWjiXrkCH6gUX+bZA/BU=
 github.com/aws/aws-sdk-go-v2/aws/protocol/eventstream v1.7.4/go.mod h1:IOAPF6oT9KCsceNTvvYMNHy0+kMF8akOjeDvPENWxp4=
-github.com/aws/aws-sdk-go-v2/config v1.32.5 h1:pz3duhAfUgnxbtVhIK39PGF/AHYyrzGEyRD9Og0QrE8=
+github.com/aws/aws-sdk-go-v2/config v1.32.6 h1:hFLBGUKjmLAekvi1evLi5hVvFQtSo3GYwi+Bx4lpJf8=
-github.com/aws/aws-sdk-go-v2/config v1.32.5/go.mod h1:xmDjzSUs/d0BB7ClzYPAZMmgQdrodNjPPhd6bGASwoE=
+github.com/aws/aws-sdk-go-v2/config v1.32.6/go.mod h1:lcUL/gcd8WyjCrMnxez5OXkO3/rwcNmvfno62tnXNcI=
-github.com/aws/aws-sdk-go-v2/credentials v1.19.5 h1:xMo63RlqP3ZZydpJDMBsH9uJ10hgHYfQFIk1cHDXrR4=
+github.com/aws/aws-sdk-go-v2/credentials v1.19.6 h1:F9vWao2TwjV2MyiyVS+duza0NIRtAslgLUM0vTA1ZaE=
-github.com/aws/aws-sdk-go-v2/credentials v1.19.5/go.mod h1:hhbH6oRcou+LpXfA/0vPElh/e0M3aFeOblE1sssAAEk=
+github.com/aws/aws-sdk-go-v2/credentials v1.19.6/go.mod h1:SgHzKjEVsdQr6Opor0ihgWtkWdfRAIwxYzSJ8O85VHY=
 github.com/aws/aws-sdk-go-v2/feature/ec2/imds v1.18.16 h1:80+uETIWS1BqjnN9uJ0dBUaETh+P1XwFy5vwHwK5r9k=
 github.com/aws/aws-sdk-go-v2/feature/ec2/imds v1.18.16/go.mod h1:wOOsYuxYuB/7FlnVtzeBYRcjSRtQpAW0hCP7tIULMwo=
 github.com/aws/aws-sdk-go-v2/internal/configsources v1.4.16 h1:rgGwPzb82iBYSvHMHXc8h9mRoOUBZIGFgKb9qniaZZc=
@@ -32,12 +32,12 @@ github.com/aws/aws-sdk-go-v2/service/internal/presigned-url v1.13.16 h1:oHjJHeUy
 github.com/aws/aws-sdk-go-v2/service/internal/presigned-url v1.13.16/go.mod h1:iRSNGgOYmiYwSCXxXaKb9HfOEj40+oTKn8pTxMlYkRM=
 github.com/aws/aws-sdk-go-v2/service/internal/s3shared v1.19.16 h1:NSbvS17MlI2lurYgXnCOLvCFX38sBW4eiVER7+kkgsU=
 github.com/aws/aws-sdk-go-v2/service/internal/s3shared v1.19.16/go.mod h1:SwT8Tmqd4sA6G1qaGdzWCJN99bUmPGHfRwwq3G5Qb+A=
-github.com/aws/aws-sdk-go-v2/service/s3 v1.93.2 h1:U3ygWUhCpiSPYSHOrRhb3gOl9T5Y3kB8k5Vjs//57bE=
+github.com/aws/aws-sdk-go-v2/service/s3 v1.94.0 h1:SWTxh/EcUCDVqi/0s26V6pVUq0BBG7kx0tDTmF/hCgA=
-github.com/aws/aws-sdk-go-v2/service/s3 v1.93.2/go.mod h1:79S2BdqCJpScXZA2y+cpZuocWsjGjJINyXnOsf5DTz8=
+github.com/aws/aws-sdk-go-v2/service/s3 v1.94.0/go.mod h1:79S2BdqCJpScXZA2y+cpZuocWsjGjJINyXnOsf5DTz8=
 github.com/aws/aws-sdk-go-v2/service/signin v1.0.4 h1:HpI7aMmJ+mm1wkSHIA2t5EaFFv5EFYXePW30p1EIrbQ=
 github.com/aws/aws-sdk-go-v2/service/signin v1.0.4/go.mod h1:C5RdGMYGlfM0gYq/tifqgn4EbyX99V15P2V3R+VHbQU=
-github.com/aws/aws-sdk-go-v2/service/sso v1.30.7 h1:eYnlt6QxnFINKzwxP5/Ucs1vkG7VT3Iezmvfgc2waUw=
+github.com/aws/aws-sdk-go-v2/service/sso v1.30.8 h1:aM/Q24rIlS3bRAhTyFurowU8A0SMyGDtEOY/l/s/1Uw=
-github.com/aws/aws-sdk-go-v2/service/sso v1.30.7/go.mod h1:+fWt2UHSb4kS7Pu8y+BMBvJF0EWx+4H0hzNwtDNRTrg=
+github.com/aws/aws-sdk-go-v2/service/sso v1.30.8/go.mod h1:+fWt2UHSb4kS7Pu8y+BMBvJF0EWx+4H0hzNwtDNRTrg=
 github.com/aws/aws-sdk-go-v2/service/ssooidc v1.35.12 h1:AHDr0DaHIAo8c9t1emrzAlVDFp+iMMKnPdYy6XO4MCE=
 github.com/aws/aws-sdk-go-v2/service/ssooidc v1.35.12/go.mod h1:GQ73XawFFiWxyWXMHWfhiomvP3tXtdNar/fi8z18sx0=
 github.com/aws/aws-sdk-go-v2/service/sts v1.41.5 h1:SciGFVNZ4mHdm7gpD1dgZYnCuVdX1s+lFTg4+4DOy70=
@@ -175,8 +175,8 @@ github.com/morikuni/aec v1.0.0 h1:nP9CBfwrvYnBRgY6qfDQkygYDmYwOilePFkwzv4dU8A=
 github.com/morikuni/aec v1.0.0/go.mod h1:BbKIizmSmc5MMPqRYbxO4ZU0S0+P200+tUnFx7PXmsc=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 h1:C3w9PqII01/Oq1c1nUAm88MOHcQC9l5mIlSMApZMrHA=
 github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822/go.mod h1:+n7T8mK8HuQTcFwEeznm/DIxMOiR9yIdICNftLE1DvQ=
-github.com/nats-io/nats.go v1.47.0 h1:YQdADw6J/UfGUd2Oy6tn4Hq6YHxCaJrVKayxxFqYrgM=
+github.com/nats-io/nats.go v1.48.0 h1:pSFyXApG+yWU/TgbKCjmm5K4wrHu86231/w84qRVR+U=
-github.com/nats-io/nats.go v1.47.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
+github.com/nats-io/nats.go v1.48.0/go.mod h1:iRWIPokVIFbVijxuMQq4y9ttaBTMe0SFdlZfMDd+33g=
 github.com/nats-io/nkeys v0.4.12 h1:nssm7JKOG9/x4J8II47VWCL1Ds29avyiQDRn0ckMvDc=
 github.com/nats-io/nkeys v0.4.12/go.mod h1:MT59A1HYcjIcyQDJStTfaOY6vhy9XTUjOFo+SVsvpBg=
 github.com/nats-io/nuid v1.0.1 h1:5iA8DT8V7q8WK2EScv2padNa/rTESc1KdnPw4TC2paw=
@@ -361,12 +361,12 @@ gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
 google.golang.org/genproto/googleapis/api v0.0.0-20251022142026-3a174f9686a8 h1:mepRgnBZa07I4TRuomDE4sTIYieg/osKmzIf4USdWS4=
 google.golang.org/genproto/googleapis/api v0.0.0-20251022142026-3a174f9686a8/go.mod h1:fDMmzKV90WSg1NbozdqrE64fkuTv6mlq2zxo9ad+3yo=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2 h1:2I6GHUeJ/4shcDpoUlLs/2WPnhg7yJwvXtqcMJt9liA=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251213004720-97cd9d5aeac2/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
-google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=
+google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
-google.golang.org/protobuf v1.36.10/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
+google.golang.org/protobuf v1.36.11/go.mod h1:HTf+CrKn2C3g5S8VImy6tdcUvCska2kB7j23XfzDpco=
 gopkg.in/check.v1 v0.0.0-20161208181325-20d25e280405/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20180628173108-788fd7840127/go.mod h1:Co6ibVJAznAaIkqp8huTwlJQCZ016jof/cbN4VW5Yz0=
 gopkg.in/check.v1 v1.0.0-20201130134442-10cb98267c6c h1:Hei/4ADfdWqJk1ZMxUNpqntNwaWcugrBjAiHlqqRiVk=

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

@@ -36,6 +36,27 @@ func (r *QuotePayment) Validate() error {
 	return nil
 }
 
+type QuotePayments struct {
+	PaymentBase `json:",inline"`
+	Intents     []PaymentIntent `json:"intents"`
+	PreviewOnly bool            `json:"previewOnly"`
+}
+
+func (r *QuotePayments) Validate() error {
+	if err := r.PaymentBase.Validate(); err != nil {
+		return err
+	}
+	if len(r.Intents) == 0 {
+		return merrors.InvalidArgument("intents are required", "intents")
+	}
+	for i := range r.Intents {
+		if err := r.Intents[i].Validate(); err != nil {
+			return err
+		}
+	}
+	return nil
+}
+
 type InitiatePayment struct {
 	PaymentBase `json:",inline"`
 	Intent      *PaymentIntent `json:"intent,omitempty"`
@@ -68,3 +89,18 @@ func (r InitiatePayment) Validate() error {
 
 	return nil
 }
+
+type InitiatePayments struct {
+	PaymentBase `json:",inline"`
+	QuoteRef    string `json:"quoteRef,omitempty"`
+}
+
+func (r InitiatePayments) Validate() error {
+	if err := r.PaymentBase.Validate(); err != nil {
+		return err
+	}
+	if r.QuoteRef == "" {
+		return merrors.InvalidArgument("quoteRef is required", "quoteRef")
+	}
+	return nil
+}

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

@@ -15,6 +15,12 @@ type PaymentIntent struct {
 	Attributes     map[string]string `json:"attributes,omitempty"`
 }
 
+type AssetResolverStub struct{}
+
+func (a *AssetResolverStub) IsSupported(_ string) bool {
+	return true
+}
+
 func (p *PaymentIntent) Validate() error {
 	// Kind must be set (non-zero)
 	var zeroKind PaymentKind
@@ -33,7 +39,8 @@ func (p *PaymentIntent) Validate() error {
 	if p.Amount == nil {
 		return merrors.InvalidArgument("amount is required", "intent.amount")
 	}
-	if err := ValidateMoney(p.Amount); err != nil {
+	//TODO: collect supported currencies and validate against them
+	if err := ValidateMoney(p.Amount, &AssetResolverStub{}); err != nil {
 		return err
 	}
 

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

@@ -1,30 +1,77 @@
 package srequest
 
 import (
+	"regexp"
+	"strings"
+
 	"github.com/shopspring/decimal"
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/model"
 )
 
-func ValidateMoney(m *model.Money) error {
+// AssetResolver defines environment-specific supported assets.
-	if m.Amount == "" {
+// Implementations should check:
-		return merrors.InvalidArgument("amount is required", "intent.amount")
+// - fiat assets (ISO-4217)
+// - crypto assets supported by gateways / FX providers
+type AssetResolver interface {
+	IsSupported(ticker string) bool
 }
-	if m.Currency == "" {
+
+// Precompile regex for efficiency.
+var currencySyntax = regexp.MustCompile(`^[A-Z0-9]{2,10}$`)
+
+// ValidateCurrency validates currency syntax and checks dictionary via assetResolver.
+func ValidateCurrency(cur string, assetResolver AssetResolver) error {
+	// Basic presence
+	if strings.TrimSpace(cur) == "" {
 		return merrors.InvalidArgument("currency is required", "intent.currency")
 	}
 
-	if _, err := decimal.NewFromString(m.Amount); err != nil {
+	// Normalize
-		return merrors.InvalidArgument("invalid amount decimal", "intent.amount")
+	cur = strings.ToUpper(strings.TrimSpace(cur))
+
+	// Syntax check
+	if !currencySyntax.MatchString(cur) {
+		return merrors.InvalidArgument(
+			"invalid currency format (must be A–Z0–9, length 2–10)",
+			"intent.currency",
+		)
 	}
 
-	if len(m.Currency) != 3 {
+	// Dictionary validation
-		return merrors.InvalidArgument("currency must be 3 letters", "intent.currency")
+	if assetResolver == nil {
+		return merrors.InvalidArgument("asset resolver is not configured", "intent.currency")
 	}
-	for _, c := range m.Currency {
+
-		if c < 'A' || c > 'Z' {
+	if !assetResolver.IsSupported(cur) {
-			return merrors.InvalidArgument("currency must be uppercase A-Z", "intent.currency")
+		return merrors.InvalidArgument("unsupported currency/asset", "intent.currency")
 	}
+
+	return nil
+}
+
+func ValidateMoney(m *model.Money, assetResolver AssetResolver) error {
+	if m == nil {
+		return merrors.InvalidArgument("money is required", "intent.amount")
+	}
+
+	// 1) Basic presence
+	if strings.TrimSpace(m.Amount) == "" {
+		return merrors.InvalidArgument("amount is required", "intent.amount")
+	}
+
+	// 2) Validate decimal amount
+	amount, err := decimal.NewFromString(m.Amount)
+	if err != nil {
+		return merrors.InvalidArgument("invalid decimal amount", "intent.amount")
+	}
+	if amount.IsNegative() {
+		return merrors.InvalidArgument("amount must be >= 0", "intent.amount")
+	}
+
+	// 3) Validate currency via helper
+	if err := ValidateCurrency(m.Currency, assetResolver); err != nil {
+		return err
 	}
 
 	return nil
@@ -36,31 +83,15 @@ type CurrencyPair struct {
 }
 
 func (p *CurrencyPair) Validate() error {
-	if p.Base == "" {
+	if p == nil {
-		return merrors.InvalidArgument("base currency is required", "intent.fx.pair.base")
+		return merrors.InvalidArgument("currency pair is required", "currncy_pair")
 	}
-	if p.Quote == "" {
+	if err := ValidateCurrency(p.Base, &AssetResolverStub{}); err != nil {
-		return merrors.InvalidArgument("quote currency is required", "intent.fx.pair.quote")
+		return merrors.InvalidArgument("invalid base currency in pair: "+err.Error(), "currency_pair.base")
 	}
-
+	if err := ValidateCurrency(p.Quote, &AssetResolverStub{}); err != nil {
-	if len(p.Base) != 3 {
+		return merrors.InvalidArgument("invalid quote currency in pair: "+err.Error(), "currency_pair.quote")
-		return merrors.InvalidArgument("base currency must be 3 letters", "intent.fx.pair.base")
 	}
-	if len(p.Quote) != 3 {
-		return merrors.InvalidArgument("quote currency must be 3 letters", "intent.fx.pair.quote")
-	}
-
-	for _, c := range p.Base {
-		if c < 'A' || c > 'Z' {
-			return merrors.InvalidArgument("base currency must be uppercase A-Z", "intent.fx.pair.base")
-		}
-	}
-	for _, c := range p.Quote {
-		if c < 'A' || c > 'Z' {
-			return merrors.InvalidArgument("quote currency must be uppercase A-Z", "intent.fx.pair.quote")
-		}
-	}
-
 	return nil
 }
 

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

@@ -14,3 +14,19 @@ func toMoney(m *moneyv1.Money) *model.Money {
 		Currency: m.GetCurrency(),
 	}
 }
+
+func toMoneyList(list []*moneyv1.Money) []*model.Money {
+	if len(list) == 0 {
+		return nil
+	}
+	result := make([]*model.Money, 0, len(list))
+	for _, item := range list {
+		if m := toMoney(item); m != nil {
+			result = append(result, m)
+		}
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}

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

@@ -49,6 +49,19 @@ type PaymentQuote struct {
 	FxQuote                  *FxQuote     `json:"fxQuote,omitempty"`
 }
 
+type PaymentQuoteAggregate struct {
+	DebitAmounts              []*model.Money `json:"debitAmounts,omitempty"`
+	ExpectedSettlementAmounts []*model.Money `json:"expectedSettlementAmounts,omitempty"`
+	ExpectedFeeTotals         []*model.Money `json:"expectedFeeTotals,omitempty"`
+	NetworkFeeTotals          []*model.Money `json:"networkFeeTotals,omitempty"`
+}
+
+type PaymentQuotes struct {
+	QuoteRef  string                 `json:"quoteRef,omitempty"`
+	Aggregate *PaymentQuoteAggregate `json:"aggregate,omitempty"`
+	Quotes    []PaymentQuote         `json:"quotes,omitempty"`
+}
+
 type Payment struct {
 	PaymentRef     string        `json:"paymentRef,omitempty"`
 	IdempotencyKey string        `json:"idempotencyKey,omitempty"`
@@ -63,6 +76,16 @@ type paymentQuoteResponse struct {
 	Quote        *PaymentQuote `json:"quote"`
 }
 
+type paymentQuotesResponse struct {
+	authResponse `json:",inline"`
+	Quote        *PaymentQuotes `json:"quote"`
+}
+
+type paymentsResponse struct {
+	authResponse `json:",inline"`
+	Payments     []Payment `json:"payments"`
+}
+
 type paymentResponse struct {
 	authResponse `json:",inline"`
 	Payment      *Payment `json:"payment"`
@@ -76,6 +99,22 @@ func PaymentQuoteResponse(logger mlogger.Logger, quote *orchestratorv1.PaymentQu
 	})
 }
 
+// PaymentQuotes wraps batch quotes with refreshed access token.
+func PaymentQuotesResponse(logger mlogger.Logger, resp *orchestratorv1.QuotePaymentsResponse, token *TokenData) http.HandlerFunc {
+	return response.Ok(logger, paymentQuotesResponse{
+		Quote:        toPaymentQuotes(resp),
+		authResponse: authResponse{AccessToken: *token},
+	})
+}
+
+// Payments wraps a list of payments with refreshed access token.
+func PaymentsResponse(logger mlogger.Logger, payments []*orchestratorv1.Payment, token *TokenData) http.HandlerFunc {
+	return response.Ok(logger, paymentsResponse{
+		Payments:     toPayments(payments),
+		authResponse: authResponse{AccessToken: *token},
+	})
+}
+
 // Payment wraps a payment with refreshed access token.
 func PaymentResponse(logger mlogger.Logger, payment *orchestratorv1.Payment, token *TokenData) http.HandlerFunc {
 	return response.Ok(logger, paymentResponse{
@@ -158,6 +197,54 @@ func toPaymentQuote(q *orchestratorv1.PaymentQuote) *PaymentQuote {
 	}
 }
 
+func toPaymentQuoteAggregate(q *orchestratorv1.PaymentQuoteAggregate) *PaymentQuoteAggregate {
+	if q == nil {
+		return nil
+	}
+	return &PaymentQuoteAggregate{
+		DebitAmounts:              toMoneyList(q.GetDebitAmounts()),
+		ExpectedSettlementAmounts: toMoneyList(q.GetExpectedSettlementAmounts()),
+		ExpectedFeeTotals:         toMoneyList(q.GetExpectedFeeTotals()),
+		NetworkFeeTotals:          toMoneyList(q.GetNetworkFeeTotals()),
+	}
+}
+
+func toPaymentQuotes(resp *orchestratorv1.QuotePaymentsResponse) *PaymentQuotes {
+	if resp == nil {
+		return nil
+	}
+	quotes := make([]PaymentQuote, 0, len(resp.GetQuotes()))
+	for _, quote := range resp.GetQuotes() {
+		if dto := toPaymentQuote(quote); dto != nil {
+			quotes = append(quotes, *dto)
+		}
+	}
+	if len(quotes) == 0 {
+		quotes = nil
+	}
+	return &PaymentQuotes{
+		QuoteRef:  resp.GetQuoteRef(),
+		Aggregate: toPaymentQuoteAggregate(resp.GetAggregate()),
+		Quotes:    quotes,
+	}
+}
+
+func toPayments(items []*orchestratorv1.Payment) []Payment {
+	if len(items) == 0 {
+		return nil
+	}
+	result := make([]Payment, 0, len(items))
+	for _, item := range items {
+		if p := toPayment(item); p != nil {
+			result = append(result, *p)
+		}
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
 func toPayment(p *orchestratorv1.Payment) *Payment {
 	if p == nil {
 		return nil

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

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

api/server/internal/server/paymentapiimp/paybatch.go

@@ -0,0 +1,74 @@
+package paymentapiimp
+
+import (
+	"encoding/json"
+	"net/http"
+	"strings"
+
+	"github.com/tech/sendico/pkg/api/http/response"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/model"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"github.com/tech/sendico/server/interface/api/srequest"
+	"github.com/tech/sendico/server/interface/api/sresponse"
+	mutil "github.com/tech/sendico/server/internal/mutil/param"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+func (a *PaymentAPI) initiatePaymentsByQuote(r *http.Request, account *model.Account, token *sresponse.TokenData) http.HandlerFunc {
+	orgRef, err := a.oph.GetRef(r)
+	if err != nil {
+		a.logger.Warn("Failed to parse organization reference for batch payment initiation", zap.Error(err), zap.String(a.oph.Name(), a.oph.GetID(r)))
+		return response.BadReference(a.logger, a.Name(), a.oph.Name(), a.oph.GetID(r), err)
+	}
+
+	ctx := r.Context()
+	allowed, err := a.enf.Enforce(ctx, a.permissionRef, account.ID, orgRef, primitive.NilObjectID, model.ActionCreate)
+	if err != nil {
+		a.logger.Warn("Failed to check payments access permissions", zap.Error(err), mutil.PLog(a.oph, r))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+	if !allowed {
+		a.logger.Debug("Access denied when initiating batch payments", mutil.PLog(a.oph, r))
+		return response.AccessDenied(a.logger, a.Name(), "payments write permission denied")
+	}
+
+	payload, err := decodeInitiatePaymentsPayload(r)
+	if err != nil {
+		return response.BadPayload(a.logger, a.Name(), err)
+	}
+
+	req := &orchestratorv1.InitiatePaymentsRequest{
+		Meta: &orchestratorv1.RequestMeta{
+			OrganizationRef: orgRef.Hex(),
+		},
+		IdempotencyKey: strings.TrimSpace(payload.IdempotencyKey),
+		QuoteRef:       strings.TrimSpace(payload.QuoteRef),
+		Metadata:       payload.Metadata,
+	}
+
+	resp, err := a.client.InitiatePayments(ctx, req)
+	if err != nil {
+		a.logger.Warn("Failed to initiate batch payments", zap.Error(err), zap.String("organization_ref", orgRef.Hex()))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+
+	return sresponse.PaymentsResponse(a.logger, resp.GetPayments(), token)
+}
+
+func decodeInitiatePaymentsPayload(r *http.Request) (*srequest.InitiatePayments, error) {
+	defer r.Body.Close()
+
+	payload := &srequest.InitiatePayments{}
+	if err := json.NewDecoder(r.Body).Decode(payload); err != nil {
+		return nil, merrors.InvalidArgument("invalid payload: " + err.Error())
+	}
+	payload.IdempotencyKey = strings.TrimSpace(payload.IdempotencyKey)
+	payload.QuoteRef = strings.TrimSpace(payload.QuoteRef)
+
+	if err := payload.Validate(); err != nil {
+		return nil, err
+	}
+	return payload, nil
+}

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

@@ -67,6 +67,62 @@ func (a *PaymentAPI) quotePayment(r *http.Request, account *model.Account, token
 	return sresponse.PaymentQuoteResponse(a.logger, resp.GetQuote(), token)
 }
 
+func (a *PaymentAPI) quotePayments(r *http.Request, account *model.Account, token *sresponse.TokenData) http.HandlerFunc {
+	orgRef, err := a.oph.GetRef(r)
+	if err != nil {
+		a.logger.Warn("Failed to parse organization reference for quotes", zap.Error(err), zap.String(a.oph.Name(), a.oph.GetID(r)))
+		return response.BadReference(a.logger, a.Name(), a.oph.Name(), a.oph.GetID(r), err)
+	}
+
+	ctx := r.Context()
+	allowed, err := a.enf.Enforce(ctx, a.permissionRef, account.ID, orgRef, primitive.NilObjectID, model.ActionCreate)
+	if err != nil {
+		a.logger.Warn("Failed to check payments access permissions", zap.Error(err), mutil.PLog(a.oph, r))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+	if !allowed {
+		a.logger.Debug("Access denied when quoting payments", mutil.PLog(a.oph, r))
+		return response.AccessDenied(a.logger, a.Name(), "payments write permission denied")
+	}
+
+	payload, err := decodeQuotePaymentsPayload(r)
+	if err != nil {
+		a.logger.Debug("Failed to decode payload", zap.Error(err), mutil.PLog(a.oph, r))
+		return response.BadPayload(a.logger, a.Name(), err)
+	}
+	if err := payload.Validate(); err != nil {
+		a.logger.Debug("Failed to validate payload", zap.Error(err), mutil.PLog(a.oph, r))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+
+	intents := make([]*orchestratorv1.PaymentIntent, 0, len(payload.Intents))
+	for i := range payload.Intents {
+		intent, err := mapPaymentIntent(&payload.Intents[i])
+		if err != nil {
+			a.logger.Debug("Failed to map payment intent", zap.Error(err), mutil.PLog(a.oph, r))
+			return response.BadPayload(a.logger, a.Name(), err)
+		}
+		intents = append(intents, intent)
+	}
+
+	req := &orchestratorv1.QuotePaymentsRequest{
+		Meta: &orchestratorv1.RequestMeta{
+			OrganizationRef: orgRef.Hex(),
+		},
+		IdempotencyKey: payload.IdempotencyKey,
+		Intents:        intents,
+		PreviewOnly:    payload.PreviewOnly,
+	}
+
+	resp, err := a.client.QuotePayments(ctx, req)
+	if err != nil {
+		a.logger.Warn("Failed to quote payments", zap.Error(err), zap.String("organization_ref", orgRef.Hex()))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+
+	return sresponse.PaymentQuotesResponse(a.logger, resp, token)
+}
+
 func decodeQuotePayload(r *http.Request) (*srequest.QuotePayment, error) {
 	defer r.Body.Close()
 
@@ -80,3 +136,17 @@ func decodeQuotePayload(r *http.Request) (*srequest.QuotePayment, error) {
 	}
 	return payload, nil
 }
+
+func decodeQuotePaymentsPayload(r *http.Request) (*srequest.QuotePayments, error) {
+	defer r.Body.Close()
+
+	payload := &srequest.QuotePayments{}
+	if err := json.NewDecoder(r.Body).Decode(payload); err != nil {
+		return nil, merrors.InvalidArgument("invalid payload: "+err.Error(), "payload")
+	}
+	payload.IdempotencyKey = strings.TrimSpace(payload.IdempotencyKey)
+	if err := payload.Validate(); err != nil {
+		return nil, err
+	}
+	return payload, nil
+}

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

@@ -22,6 +22,8 @@ import (
 
 type paymentClient interface {
 	QuotePayment(ctx context.Context, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.QuotePaymentResponse, error)
+	QuotePayments(ctx context.Context, req *orchestratorv1.QuotePaymentsRequest) (*orchestratorv1.QuotePaymentsResponse, error)
+	InitiatePayments(ctx context.Context, req *orchestratorv1.InitiatePaymentsRequest) (*orchestratorv1.InitiatePaymentsResponse, error)
 	InitiatePayment(ctx context.Context, req *orchestratorv1.InitiatePaymentRequest) (*orchestratorv1.InitiatePaymentResponse, error)
 	Close() error
 }
@@ -66,8 +68,10 @@ func CreateAPI(apiCtx eapi.API) (*PaymentAPI, error) {
 	}
 
 	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/quote"), api.Post, p.quotePayment)
+	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/multiquote"), api.Post, p.quotePayments)
 	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/immediate"), api.Post, p.initiateImmediate)
 	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/by-quote"), api.Post, p.initiateByQuote)
+	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/by-multiquote"), api.Post, p.initiatePaymentsByQuote)
 
 	return p, nil
 }

ci/prod/compose/bff.yml

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

frontend/pshared/lib/api/requests/username.dart

@@ -0,0 +1,20 @@
+import 'package:json_annotation/json_annotation.dart';
+
+part 'username.g.dart';
+
+
+@JsonSerializable()
+class ResetUserNameRequest {
+  final String userName;
+
+  const ResetUserNameRequest({
+    required this.userName,
+  });
+
+  factory ResetUserNameRequest.fromJson(Map<String, dynamic> json) => _$ResetUserNameRequestFromJson(json);
+  Map<String, dynamic> toJson() => _$ResetUserNameRequestToJson(this);
+
+  static ResetUserNameRequest build({
+    required String userName,
+  }) => ResetUserNameRequest(userName: userName);
+} 

frontend/pshared/lib/config/common.dart

@@ -11,6 +11,8 @@ class CommonConstants {
   static String apiEndpoint = '/api/v1';
   static String amplitudeSecret = 'c3d75b3e2520d708440acbb16b923e79';
   static String amplitudeServerZone = 'EU';
+  static String posthogApiKey = 'phc_lVhbruaZpxiQxppHBJpL36ARnPlkqbCewv6cauoceTN';
+  static String posthogHost = 'https://eu.i.posthog.com';
   static Locale defaultLocale = const Locale('en');
   static String defaultCurrency = 'EUR';
   static int defaultDimensionLength = 500;
@@ -36,6 +38,8 @@ class CommonConstants {
     apiEndpoint = configJson['apiEndpoint'] ?? apiEndpoint;
     amplitudeSecret = configJson['amplitudeSecret'] ?? amplitudeSecret;
     amplitudeServerZone = configJson['amplitudeServerZone'] ?? amplitudeServerZone;
+    posthogApiKey = configJson['posthogApiKey'] ?? posthogApiKey;
+    posthogHost = configJson['posthogHost'] ?? posthogHost;
     defaultLocale = Locale(configJson['defaultLocale'] ?? defaultLocale.languageCode);
     defaultCurrency = configJson['defaultCurrency'] ?? defaultCurrency;
     wsProto = configJson['wsProto'] ?? wsProto;

frontend/pshared/lib/config/mobile.dart

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

frontend/pshared/lib/config/web.dart

@@ -21,6 +21,8 @@ extension AppConfigExtension on AppConfig {
   external String? get apiEndpoint;
   external String? get amplitudeSecret;
   external String? get amplitudeServerZone;
+  external String? get posthogApiKey;
+  external String? get posthogHost;
   external String? get defaultLocale;
   external String? get wsProto;
   external String? get wsEndpoint;
@@ -40,6 +42,8 @@ class Constants extends CommonConstants {
   static String get currentOrgKey => CommonConstants.currentOrgKey;
   static String get apiUrl => CommonConstants.apiUrl;
   static String get serviceUrl => CommonConstants.serviceUrl;
+  static String get posthogApiKey => CommonConstants.posthogApiKey;
+  static String get posthogHost => CommonConstants.posthogHost;
   static int get defaultDimensionLength => CommonConstants.defaultDimensionLength;
   static String get deviceIdStorageKey => CommonConstants.deviceIdStorageKey;
   static String get nilObjectRef => CommonConstants.nilObjectRef;
@@ -57,6 +61,8 @@ class Constants extends CommonConstants {
         'apiEndpoint': config.apiEndpoint,
         'amplitudeSecret': config.amplitudeSecret,
         'amplitudeServerZone': config.amplitudeServerZone,
+        'posthogApiKey': config.posthogApiKey,
+        'posthogHost': config.posthogHost,
         'defaultLocale': config.defaultLocale,
         'wsProto': config.wsProto,
         'wsEndpoint': config.wsEndpoint,

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

@@ -2,6 +2,7 @@ import 'package:pshared/data/dto/wallet/balance.dart';
 import 'package:pshared/data/dto/wallet/wallet.dart';
 import 'package:pshared/data/mapper/wallet/balance.dart';
 import 'package:pshared/data/mapper/wallet/money.dart';
+import 'package:pshared/models/describable.dart';
 import 'package:pshared/models/wallet/wallet.dart';
 
 
@@ -22,5 +23,9 @@ extension WalletDTOMapper on WalletDTO {
     updatedAt: (updatedAt == null || updatedAt!.isEmpty) ? null : DateTime.tryParse(updatedAt!),
     balance: balance?.toDomain(),
     availableMoney: balance?.available?.toDomain(),
+    describable: newDescribable(
+      name: metadata?['name'] ?? 'Crypto Wallet',
+      description: metadata?['description'],
+    ),
   );
 }

frontend/pshared/lib/models/asset.dart

@@ -0,0 +1,18 @@
+import 'package:pshared/models/currency.dart';
+import 'package:pshared/utils/currency.dart';
+
+
+class Asset {
+  final Currency currency;
+  final double amount;
+
+  const Asset({
+    required this.currency,
+    required this.amount,
+  });
+}
+
+Asset createAsset(String currencyCode, String amount) => Asset(
+  currency: currencyStringToCode(currencyCode),
+  amount: double.parse(amount),
+);

frontend/pshared/lib/models/auth/state.dart

@@ -0,0 +1,7 @@
+enum AuthState {
+  idle,
+  checking,
+  ready,
+  empty,
+  error,
+}

frontend/pshared/lib/models/resources.dart

@@ -79,6 +79,10 @@ enum ResourceType {
   @JsonValue('payments')
   payments,
 
+  /// Represents payment orchestration service
+  @JsonValue('payment_orchestrator')
+  paymentOrchestrator,
+
   @JsonValue('payment_methods')
   paymentMethods,
 

frontend/pshared/lib/models/wallet/wallet.dart

@@ -1,5 +1,6 @@
 import 'package:pshared/models/wallet/balance.dart';
 import 'package:pshared/models/wallet/money.dart';
+import 'package:pshared/models/describable.dart';
 
 
 class WalletAsset {
@@ -14,7 +15,7 @@ class WalletAsset {
   });
 }
 
-class WalletModel {
+class WalletModel implements Describable {
   final String walletRef;
   final String organizationRef;
   final String ownerRef;
@@ -26,6 +27,13 @@ class WalletModel {
   final DateTime? updatedAt;
   final WalletBalance? balance;
   final WalletMoney? availableMoney;
+  final Describable describable;
+
+  @override
+  String get name => describable.name;
+
+  @override
+  String? get description => describable.description;
 
   const WalletModel({
     required this.walletRef,
@@ -39,11 +47,13 @@ class WalletModel {
     this.updatedAt,
     this.balance,
     this.availableMoney,
+    required this.describable,
   });
 
   WalletModel copyWith({
     WalletBalance? balance,
     WalletMoney? availableMoney,
+    Describable? describable,
   }) {
     return WalletModel(
       walletRef: walletRef,
@@ -57,6 +67,7 @@ class WalletModel {
       updatedAt: updatedAt,
       balance: balance ?? this.balance,
       availableMoney: availableMoney ?? this.availableMoney,
+      describable: describable ?? this.describable,
     );
   }
 }

frontend/pshared/lib/provider/account.dart

@@ -1,4 +1,7 @@
+import 'dart:async';
+
 import 'package:flutter/material.dart';
+import 'package:pshared/models/auth/state.dart';
 
 import 'package:share_plus/share_plus.dart';
 
@@ -20,8 +23,14 @@ import 'package:pshared/utils/exception.dart';
 
 
 class AccountProvider extends ChangeNotifier {
+  AccountProvider();
+
   static String get currentUserRef => Constants.nilObjectRef;
 
+  /// Auth lifecycle state to avoid multiple ad-hoc flags.
+  AuthState _authState = AuthState.idle;
+  AuthState get authState => _authState;
+
   // The resource now wraps our Account? state along with its loading/error state.
   Resource<Account?> _resource = Resource(data: null);
   Resource<Account?> get resource => _resource;
@@ -52,9 +61,18 @@ class AccountProvider extends ChangeNotifier {
     );
   }
 
-  // Private helper to update the resource and notify listeners.
+  @protected
+  Future<void> onAccountChanged(Account? previous, Account? current) => Future<void>.value();
+
   void _setResource(Resource<Account?> newResource) {
+    final previousAccount = _resource.data;
     _resource = newResource;
+    final currentAccount = newResource.data;
+
+    if (previousAccount != currentAccount) {
+      unawaited(onAccountChanged(previousAccount, currentAccount));
+    }
+
     notifyListeners();
   }
 
@@ -75,6 +93,7 @@ class AccountProvider extends ChangeNotifier {
         locale: locale,
       ));
       if (outcome.account != null) {
+        _authState = AuthState.ready;
         _setResource(Resource(data: outcome.account, isLoading: false));
         _pickupLocale(outcome.account!.locale);
       } else {
@@ -84,10 +103,12 @@ class AccountProvider extends ChangeNotifier {
         }
         await VerificationService.requestLoginCode(pending);
         _pendingLogin = pending;
+        _authState = AuthState.idle;
         _setResource(_resource.copyWith(isLoading: false));
       }
       return outcome;
     } catch (e) {
+      _authState = AuthState.error;
       _setResource(_resource.copyWith(isLoading: false, error: toException(e)));
       rethrow;
     }
@@ -95,6 +116,7 @@ class AccountProvider extends ChangeNotifier {
 
   void completePendingLogin(Account account) {
     _pendingLogin = null;
+    _authState = AuthState.ready;
     _setResource(Resource(data: account, isLoading: false, error: null));
     _pickupLocale(account.locale);
   }
@@ -102,13 +124,17 @@ class AccountProvider extends ChangeNotifier {
   Future<bool> isAuthorizationStored() async => AuthorizationService.isAuthorizationStored();
 
   Future<Account?> restore() async {
+    _authState = AuthState.checking;
+    notifyListeners();
     _setResource(_resource.copyWith(isLoading: true, error: null));
     try {
       final acc = await AccountService.restore();
+      _authState = AuthState.ready;
       _setResource(Resource(data: acc, isLoading: false));
       _pickupLocale(acc.locale);
       return acc;
     } catch (e) {
+      _authState = AuthState.error;
       _setResource(_resource.copyWith(isLoading: false, error: toException(e)));
       rethrow;
     }
@@ -140,11 +166,14 @@ class AccountProvider extends ChangeNotifier {
   }
 
   Future<void> logout() async {
+    _authState = AuthState.empty;
     _setResource(_resource.copyWith(isLoading: true, error: null));
+    _pendingLogin = null;
     try {
       await AccountService.logout();
       _setResource(Resource(data: null, isLoading: false));
     } catch (e) {
+      _authState = AuthState.error;
       _setResource(_resource.copyWith(isLoading: false, error: toException(e)));
       rethrow;
     }
@@ -199,6 +228,19 @@ class AccountProvider extends ChangeNotifier {
     }
   }
 
+  Future<Account> resetUsername(String userName) async {
+    if (account == null) throw ErrorUnauthorized();
+    _setResource(_resource.copyWith(isLoading: true, error: null));
+    try {
+      final updated = await AccountService.resetUsername(account!, userName);
+      _setResource(Resource(data: updated, isLoading: false));
+      return updated;
+    } catch (e) {
+      _setResource(_resource.copyWith(isLoading: false, error: toException(e)));
+      rethrow;
+    }
+  }
+
   Future<void> forgotPassword(String email) async {
     _setResource(_resource.copyWith(isLoading: true, error: null));
     try {
@@ -220,4 +262,15 @@ class AccountProvider extends ChangeNotifier {
       rethrow;
     }
   }
+
+  Future<void> restoreIfPossible() async {
+    if (_authState == AuthState.checking || _authState == AuthState.ready) return;
+    final hasAuth = await AuthorizationService.isAuthorizationStored();
+    if (!hasAuth) {
+      _authState = AuthState.empty;
+      notifyListeners();
+      return;
+    }
+    await restore();
+  }
 }

frontend/pshared/lib/provider/organizations.dart

@@ -80,4 +80,12 @@ class OrganizationsProvider extends ChangeNotifier {
     notifyListeners();
     return true;
   }
+
+  Future<void> reset() async {
+    _resource = Resource(data: []);
+    _currentOrg = null;
+    notifyListeners();
+    // Best-effort cleanup of stored selection to avoid using stale org on next login.
+    await SecureStorageService.delete(Constants.currentOrgKey);
+  }
 }

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

@@ -0,0 +1,20 @@
+import 'package:flutter/material.dart';
+
+
+class PaymentAmountProvider with ChangeNotifier {
+  double _amount = 10.0;
+  bool _payerCoversFee = true;
+
+  double get amount => _amount;
+  bool get payerCoversFee => _payerCoversFee;
+
+  void setAmount(double value) {
+    _amount = value;
+    notifyListeners();
+  }
+
+  void setPayerCoversFee(bool value) {
+    _payerCoversFee = value;
+    notifyListeners();
+  }
+}

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

@@ -1,5 +1,17 @@
 import 'package:flutter/material.dart';
+import 'package:pshared/models/asset.dart';
 
+import 'package:uuid/uuid.dart';
+
+import 'package:pshared/models/payment/currency_pair.dart';
+import 'package:pshared/models/payment/fx/intent.dart';
+import 'package:pshared/models/payment/fx/side.dart';
+import 'package:pshared/models/payment/kind.dart';
+import 'package:pshared/models/payment/methods/card.dart';
+import 'package:pshared/models/payment/methods/managed_wallet.dart';
+import 'package:pshared/models/payment/money.dart';
+import 'package:pshared/models/payment/settlement_mode.dart';
+import 'package:pshared/provider/payment/amount.dart';
 import 'package:pshared/api/requests/payment/quote.dart';
 import 'package:pshared/data/mapper/payment/intent/payment.dart';
 import 'package:pshared/models/payment/intent.dart';
@@ -7,7 +19,6 @@ import 'package:pshared/models/payment/quote.dart';
 import 'package:pshared/provider/organizations.dart';
 import 'package:pshared/provider/resource.dart';
 import 'package:pshared/service/payment/quotation.dart';
-import 'package:uuid/uuid.dart';
 
 
 class QuotationProvider extends ChangeNotifier {
@@ -15,14 +26,46 @@ class QuotationProvider extends ChangeNotifier {
   late OrganizationsProvider _organizations;
   bool _isLoaded = false;
 
-  void update(OrganizationsProvider venue) {
+  void update(OrganizationsProvider venue, PaymentAmountProvider payment) {
     _organizations = venue;
+    getQuotation(PaymentIntent(
+      kind: PaymentKind.payout,
+      amount: Money(
+        amount: payment.amount.toString(), 
+        currency: 'USDT',
+      ),
+      destination: CardPaymentMethod(
+        pan: '4000000000000077',
+        firstName: 'John',
+        lastName: 'Doe',
+      ),
+      source: ManagedWalletPaymentMethod(
+        managedWalletRef: '',
+      ),
+      fx: FxIntent(
+        pair: CurrencyPair(
+          base: 'USDT', 
+          quote: 'RUB',
+        ),
+        side: FxSide.sellBaseBuyQuote,
+      ),
+      settlementMode: payment.payerCoversFee ? SettlementMode.fixReceived : SettlementMode.fixSource,
+    ));
   }
 
   PaymentQuote? get quotation => _quotation.data;
 
   bool get isReady => _isLoaded && !_quotation.isLoading && _quotation.error == null;
 
+  Asset? get fee => quotation == null ? null : createAsset(quotation!.expectedFeeTotal!.currency, quotation!.expectedFeeTotal!.amount);
+  Asset? get total => quotation == null ? null : createAsset(quotation!.debitAmount!.currency, quotation!.debitAmount!.amount);
+  Asset? get recipientGets => quotation == null ? null : createAsset(quotation!.expectedSettlementAmount!.currency, quotation!.expectedSettlementAmount!.amount);
+
+  void _setResource(Resource<PaymentQuote> quotation) {
+    _quotation = quotation;
+    notifyListeners();
+  }
+
   Future<PaymentQuote?> getQuotation(PaymentIntent intent) async {
     if (!_organizations.isOrganizationSet) throw StateError('Organization is not set');
     try {
@@ -35,19 +78,20 @@ class QuotationProvider extends ChangeNotifier {
         ),
       );
       _isLoaded = true;
-      _quotation = _quotation.copyWith(data: response, isLoading: false);
+      _setResource(_quotation.copyWith(data: response, isLoading: false, error: null));
     } catch (e) {
-      _quotation = _quotation.copyWith(
+      _setResource(_quotation.copyWith(
+        data: null,
         error: e is Exception ? e : Exception(e.toString()),
         isLoading: false,
-      );
+      ));
     }
     notifyListeners();
     return _quotation.data;
   }
 
   void reset() {
-    _quotation = Resource(data: null, isLoading: false, error: null);
+    _setResource(Resource(data: null, isLoading: false, error: null));
     _isLoaded = false;
     notifyListeners();
   }

frontend/pshared/lib/provider/permissions.dart

@@ -1,3 +1,5 @@
+import 'dart:async';
+
 import 'package:flutter/material.dart';
 
 import 'package:collection/collection.dart';
@@ -21,9 +23,17 @@ class PermissionsProvider extends ChangeNotifier {
   Resource<UserAccess> _userAccess = Resource(data: null, isLoading: false, error: null);
   late OrganizationsProvider _organizations;
   bool _isLoaded = false;
+  String? _loadedOrgRef;
+  //For permissions to auto-load when an organization is set, so the dashboard no longer hangs waiting for permissions to become ready.
 
   void update(OrganizationsProvider venue) {
     _organizations = venue;
+    // Trigger a reload when organization changes or when permissions were never loaded.
+    if (_organizations.isOrganizationSet &&
+        _loadedOrgRef != _organizations.current.id &&
+        !_userAccess.isLoading) {
+      unawaited(load());
+    }
   }
 
   // Generic wrapper to perform service calls and reload state
@@ -43,6 +53,10 @@ class PermissionsProvider extends ChangeNotifier {
 
   /// Load the [UserAccess] for the current venue.
  Future<UserAccess?> load() async {
+    if (!_organizations.isOrganizationSet) {
+      // Organization is not ready yet; skip loading until it becomes available.
+      return _userAccess.data;
+    }
     _userAccess = _userAccess.copyWith(isLoading: true, error: null);
     notifyListeners();
 
@@ -56,6 +70,7 @@ class PermissionsProvider extends ChangeNotifier {
         _userAccess = _userAccess.copyWith(data: allAccess, isLoading: false);
       }
       _isLoaded = true;
+      _loadedOrgRef = orgRef;
     } catch (e) {
       _userAccess = _userAccess.copyWith(
         error: e is Exception ? e : Exception(e.toString()),
@@ -164,9 +179,14 @@ class PermissionsProvider extends ChangeNotifier {
   void reset() {
     _userAccess = Resource(data: null, isLoading: false, error: null);
     _isLoaded = false;
+    _loadedOrgRef = null;
     notifyListeners();
   }
 
+  Future<void> resetAsync() async {
+    reset();
+  }
+
   bool canRead(ResourceType r, {Object? objectRef}) => canAccessResource(r, action: perm.Action.read, objectRef: objectRef);
   bool canUpdate(ResourceType r, {Object? objectRef}) => canAccessResource(r, action: perm.Action.update, objectRef: objectRef);
   bool canDelete(ResourceType r, {Object? objectRef}) => canAccessResource(r, action: perm.Action.delete, objectRef: objectRef);

frontend/pshared/lib/service/account.dart

@@ -1,5 +1,4 @@
 import 'package:logging/logging.dart';
-
 import 'package:share_plus/share_plus.dart';
 
 import 'package:pshared/api/requests/signup.dart';
@@ -10,6 +9,7 @@ import 'package:pshared/api/requests/password/forgot.dart';
 import 'package:pshared/api/requests/password/reset.dart';
 import 'package:pshared/data/mapper/account/account.dart';
 import 'package:pshared/models/account/account.dart';
+import 'package:pshared/models/describable.dart';
 import 'package:pshared/models/auth/login_outcome.dart';
 import 'package:pshared/service/authorization/service.dart';
 import 'package:pshared/service/files.dart';
@@ -61,6 +61,14 @@ class AccountService {
     await getPOSTResponse(_objectType, 'password/reset/$accountRef/$token', ResetPasswordRequest.build(password: newPassword).toJson());
   }
 
+  static Future<Account> resetUsername(Account account, String userName) async {
+    _logger.fine('Updating username for account: ${account.id}');
+    final updatedAccount = account.copyWith(
+      describable: account.describable.copyWith(name: userName),
+    );
+    return update(updatedAccount);
+  }
+
   static Future<Account> changePassword(String oldPassword, String newPassword) async {
     _logger.fine('Changing password');
     return _getAccount(AuthorizationService.getPATCHResponse(

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

@@ -4,8 +4,8 @@ import 'package:pshared/api/requests/payment/quote.dart';
 import 'package:pshared/api/responses/payment/quotation.dart';
 import 'package:pshared/data/mapper/payment/payment_quote.dart';
 import 'package:pshared/models/payment/quote.dart';
+import 'package:pshared/service/authorization/service.dart';
 import 'package:pshared/service/services.dart';
-import 'package:pshared/utils/http/requests.dart';
 
 
 class QuotationService {
@@ -14,7 +14,11 @@ class QuotationService {
 
   static Future<PaymentQuote> getQuotation(String organizationRef, QuotePaymentRequest request) async {
     _logger.fine('Quoting payment for organization $organizationRef');
-    final response = await getPOSTResponse(_objectType, '/quote/$organizationRef', request.toJson());
+    final response = await AuthorizationService.getPOSTResponse(
+      _objectType, 
+      '/quote/$organizationRef', 
+      request.toJson(),
+    );
     return PaymentQuoteResponse.fromJson(response).quote.toDomain();
   }
 }

frontend/pshared/lib/utils/currency.dart

@@ -1,22 +1,64 @@
-String currencyCodeToSymbol(String currencyCode) {
+import 'package:flutter/material.dart';
+
+import 'package:pshared/models/asset.dart';
+import 'package:pshared/models/currency.dart';
+
+
+String currencyCodeToSymbol(Currency currencyCode) {
   switch (currencyCode) {
-    case 'USD':
+    case Currency.usd:
       return '\$';
-    case 'PLN':
+    case Currency.usdt:
-      return 'zł';
+      return '₮';
-    case 'EUR':
+    case Currency.usdc:
-      return '€';
+      return '\$';
-    case 'GBP':
+    case Currency.rub:
-      return '£';
-    case 'HUF':
-      return 'Ft';
-    case 'RUB':
       return '₽';
-    default:
+    case Currency.eur:
-      return currencyCode;
+      return '€';
   }
 }
 
-String currencyToString(String currencyCode, double amount) {
+String amountToString(double amount) {
-  return '${currencyCodeToSymbol(currencyCode)}\u00A0${amount.toStringAsFixed(2)}';
+  return amount.toStringAsFixed(2);
+}
+
+String currencyToString(Currency currencyCode, double amount) {
+  return '${currencyCodeToSymbol(currencyCode)}\u00A0${amountToString(amount)}';
+}
+
+String assetToString(Asset asset) {
+  return currencyToString(asset.currency, asset.amount);
+}
+
+Currency currencyStringToCode(String currencyCode) {
+  switch (currencyCode) {
+    case 'USD':
+      return Currency.usd;
+    case 'USDT':
+      return Currency.usdt;
+    case 'USDC':
+      return Currency.usdc;
+    case 'RUB':
+      return Currency.rub;
+    case 'EUR':
+      return Currency.eur;
+    default:
+      throw ArgumentError('Unknown currency code: $currencyCode');
+  }
+}
+
+IconData iconForCurrencyType(Currency currencyCode) {
+  switch (currencyCode) {
+    case Currency.usd:
+      return Icons.currency_exchange;
+    case Currency.eur:
+      return Icons.currency_exchange;
+    case Currency.rub:
+      return Icons.currency_ruble;
+    case Currency.usdt:
+      return Icons.currency_exchange;
+    case Currency.usdc:
+      return Icons.money;
+  }
 }

frontend/pweb/lib/app/router/payout_shell.dart

@@ -92,7 +92,7 @@ RouteBase payoutShellRoute() => ShellRoute(
       pageBuilder: (context, _) {
         final recipient = context.read<RecipientsProvider>().currentObject;
         return NoTransitionPage(
-          child: AdressBookRecipientForm(
+          child: AddressBookRecipientForm(
             recipient: recipient,
             onSaved: (_) => context.goToPayout(PayoutDestination.recipients),
           ),

frontend/pweb/lib/data/mappers/wallet_ui.dart

@@ -1,6 +1,8 @@
 import 'package:pshared/models/wallet/wallet.dart' as domain;
 
-import 'package:pweb/models/currency.dart';
+import 'package:pshared/models/currency.dart';
+import 'package:pshared/models/describable.dart';
+
 import 'package:pweb/models/wallet.dart';
 
 
@@ -16,7 +18,6 @@ extension WalletUiMapper on domain.WalletModel {
     return Wallet(
       id: walletRef,
       walletUserID: walletRef,
-      name: metadata?['name'] ?? walletRef,
       balance: parsedAmount,
       currency: currency,
       isHidden: true,
@@ -25,6 +26,10 @@ extension WalletUiMapper on domain.WalletModel {
       network: asset.chain,
       tokenSymbol: asset.tokenSymbol,
       contractAddress: asset.contractAddress,
+      describable: newDescribable(
+        name: metadata?['name'] ?? 'Crypto Wallet',
+        description: metadata?['description'],
+      ),
     );
   }
 }

frontend/pweb/lib/l10n/en.arb

@@ -9,7 +9,13 @@
   "usernameErrorInvalid": "Provide a valid email address",
   "usernameUnknownTLD": "Domain .{domain} is not known, please, check it",
   "password": "Password",
+  "oldPassword": "Current password",
+  "newPassword": "New password",
   "confirmPassword": "Confirm password",
+  "changePassword": "Change password",
+  "savePassword": "Save changed password",
+  "changePasswordSuccess": "Password updated",
+  "changePasswordError": "Could not update password",
   "passwordValidationRuleDigit": "has digit",
   "passwordValidationRuleUpperCase": "has uppercase letter",
   "passwordValidationRuleLowerCase": "has lowercase letter",
@@ -311,6 +317,7 @@
   "paymentTypeBankAccount": "Russian Bank Account",
   "paymentTypeIban": "IBAN",
   "paymentTypeWallet": "Wallet",
+  "paymentTypeCryptoWallet": "Crypto Wallet",
   "paymentTypeCryptoAddress": "Crypto address",
   "paymentTypeLedger": "Ledger account",
   "paymentTypeManagedWallet": "Managed wallet",
@@ -378,7 +385,7 @@
   "send": "Send Payout",
   "recipientPaysFee": "Recipient pays the fee",
 
-  "sentAmount": "Sent amount: ${amount}",
+  "sentAmount": "Sent amount: {amount}",
   "@sentAmount": {
     "description": "Label showing the amount sent",
     "placeholders": {
@@ -388,7 +395,7 @@
     }
   },
 
-  "fee": "Fee: ${fee}",
+  "fee": "Fee: {fee}",
   "@fee": {
     "description": "Label showing the transaction fee",
     "placeholders": {
@@ -398,7 +405,7 @@
     }
   },
 
-  "recipientWillReceive": "Recipient will receive: ${amount}",
+  "recipientWillReceive": "Recipient will receive: {amount}",
   "@recipientWillReceive": {
     "description": "Label showing how much the recipient will receive",
     "placeholders": {
@@ -408,7 +415,7 @@
     }
   },
 
-  "total": "Total: ${total}",
+  "total": "Total: {total}",
   "@total": {
     "description": "Label showing the total amount of the transaction",
     "placeholders": {
@@ -428,6 +435,10 @@
 
   "choosePaymentMethod": "Payment Methods (choose at least 1)",
   "recipientFormRule": "Recipient must have at least one payment method",
+  "recipientFormValidationError": "Fill in the required fields to save the recipient",
+  "@recipientFormValidationError": {
+    "description": "Error message shown when recipient form fields are invalid or missing"
+  },
 
   "allStatus": "All",
   "readyStatus": "Ready",
@@ -443,6 +454,10 @@
   "@errorSaveRecipient": {
     "description": "Error message displayed when saving a recipient fails"
   },
+  "recipientSavedSuccessfully": "Recipient saved successfully",
+  "@recipientSavedSuccessfully": {
+    "description": "Success message displayed when a recipient is saved"
+  },
   "recipientDeletedSuccessfully": "Recipient deleted successfully",
   "@recipientDeletedSuccessfully": {
     "description": "Success message displayed when a recipient is deleted"

frontend/pweb/lib/l10n/ru.arb

@@ -9,7 +9,13 @@
   "usernameErrorInvalid": "Укажите действительный адрес электронной почты",
   "usernameUnknownTLD": "Домен .{domain} неизвестен, пожалуйста, проверьте его",
   "password": "Пароль",
+  "oldPassword": "Текущий пароль",
+  "newPassword": "Новый пароль",
   "confirmPassword": "Подтвердите пароль",
+  "changePassword": "Изменить пароль",
+  "savePassword": "Сохранить пароль",
+  "changePasswordSuccess": "Пароль обновлен",
+  "changePasswordError": "Не удалось обновить пароль",
   "passwordValidationRuleDigit": "содержит цифру",
   "passwordValidationRuleUpperCase": "содержит заглавную букву",
   "passwordValidationRuleLowerCase": "содержит строчную букву",
@@ -311,6 +317,7 @@
   "paymentTypeBankAccount": "Российский банковский счет",
   "paymentTypeIban": "IBAN",
   "paymentTypeWallet": "Кошелек",
+  "paymentTypeCryptoWallet": "Криптокошелек",
   "paymentTypeCryptoAddress": "Крипто-адрес",
   "paymentTypeLedger": "Леджер счет",
   "paymentTypeManagedWallet": "Управляемый кошелек",
@@ -378,7 +385,7 @@
   "send": "Отправить выплату",
   "recipientPaysFee": "Получатель оплачивает комиссию",
 
-  "sentAmount": "Отправленная сумма: ${amount}",
+  "sentAmount": "Отправленная сумма: {amount}",
   "@sentAmount": {
     "description": "Метка, показывающая отправленную сумму",
     "placeholders": {
@@ -388,7 +395,7 @@
     }
   },
 
-  "fee": "Комиссия: ${fee}",
+  "fee": "Комиссия: {fee}",
   "@fee": {
     "description": "Метка, показывающая комиссию за транзакцию",
     "placeholders": {
@@ -398,7 +405,7 @@
     }
   },
 
-  "recipientWillReceive": "Получатель получит: ${amount}",
+  "recipientWillReceive": "Получатель получит: {amount}",
   "@recipientWillReceive": {
     "description": "Метка, показывающая, сколько получит получатель",
     "placeholders": {
@@ -408,7 +415,7 @@
     }
   },
 
-  "total": "Итого: ${total}",
+  "total": "Итого: {total}",
   "@total": {
     "description": "Метка, показывающая общую сумму транзакции",
     "placeholders": {
@@ -428,6 +435,10 @@
 
   "choosePaymentMethod": "Способы оплаты (выберите хотя бы 1)",
   "recipientFormRule": "Получатель должен иметь хотя бы один способ оплаты",
+  "recipientFormValidationError": "Заполните обязательные поля, чтобы сохранить получателя",
+  "@recipientFormValidationError": {
+    "description": "Сообщение об ошибке, если обязательные поля формы получателя не заполнены"
+  },
 
   "allStatus": "Все",
   "readyStatus": "Готов",
@@ -443,6 +454,10 @@
   "@errorSaveRecipient": {
     "description": "Сообщение об ошибке при неудачном сохранении получателя"
   },
+  "recipientSavedSuccessfully": "Получатель успешно сохранен",
+  "@recipientSavedSuccessfully": {
+    "description": "Сообщение об успешном сохранении получателя"
+  },
   "recipientDeletedSuccessfully": "Получатель успешно удален",
   "@recipientDeletedSuccessfully": {
     "description": "Сообщение об успешном удалении получателя"

frontend/pweb/lib/main.dart

@@ -12,6 +12,7 @@ import 'package:pshared/provider/locale.dart';
 import 'package:pshared/provider/permissions.dart';
 import 'package:pshared/provider/account.dart';
 import 'package:pshared/provider/organizations.dart';
+import 'package:pshared/provider/payment/amount.dart';
 import 'package:pshared/provider/payment/quotation.dart';
 import 'package:pshared/provider/recipient/provider.dart';
 import 'package:pshared/provider/recipient/pmethods.dart';
@@ -27,8 +28,10 @@ import 'package:pweb/providers/wallets.dart';
 import 'package:pweb/providers/wallet_transactions.dart';
 import 'package:pweb/services/operations.dart';
 import 'package:pweb/services/payments/history.dart';
+import 'package:pweb/services/posthog.dart';
 import 'package:pweb/services/wallet_transactions.dart';
 import 'package:pweb/services/wallets.dart';
+import 'package:pweb/providers/account.dart';
 
 
 void _setupLogging() {
@@ -40,11 +43,9 @@ void _setupLogging() {
 }
 
 void main() async {
-  await Constants.initialize();
-
   WidgetsFlutterBinding.ensureInitialized();
-
+  await Constants.initialize();
-  // await AmplitudeService.initialize();
+  await PosthogService.initialize();
 
 
   _setupLogging();
@@ -57,7 +58,7 @@ void main() async {
       providers: [
         ChangeNotifierProvider(create: (_) => LocaleProvider(null)),
         ChangeNotifierProxyProvider<LocaleProvider, AccountProvider>(
-          create: (_) => AccountProvider(),
+          create: (_) => PwebAccountProvider(),
           update: (context, localeProvider, provider) => provider!..updateProvider(localeProvider),
         ),
         ChangeNotifierProxyProvider<AccountProvider, TwoFactorProvider>(
@@ -70,6 +71,7 @@ void main() async {
           update: (context, orgnization, provider) => provider!..update(orgnization),
         ),
         ChangeNotifierProvider(create: (_) => CarouselIndexProvider()),
+
         ChangeNotifierProvider(
           create: (_) => UploadHistoryProvider(service: MockUploadHistoryService())..load(),
         ),
@@ -91,12 +93,16 @@ void main() async {
         ChangeNotifierProvider(
           create: (_) => MockPaymentProvider(),
         ),
+        
         ChangeNotifierProvider(
           create: (_) => OperationProvider(OperationService())..loadOperations(),
         ),
-        ChangeNotifierProxyProvider<OrganizationsProvider, QuotationProvider>(
+        ChangeNotifierProvider(
+          create: (_) => PaymentAmountProvider(),
+        ),
+        ChangeNotifierProxyProvider2<OrganizationsProvider, PaymentAmountProvider, QuotationProvider>(
           create: (_) => QuotationProvider(),
-          update: (context, orgnization, provider) => provider!..update(orgnization),
+          update: (context, orgnization, payment, provider) => provider!..update(orgnization, payment),
         ),
       ],
       child: const PayApp(),

frontend/pweb/lib/models/edit_state.dart

@@ -0,0 +1 @@
+enum EditState { view, edit, saving }

frontend/pweb/lib/models/wallet.dart

@@ -1,10 +1,10 @@
-import 'package:pweb/models/currency.dart';
+import 'package:pshared/models/currency.dart';
+import 'package:pshared/models/describable.dart';
 
 
-class Wallet {
+class Wallet implements Describable {
   final String id;
   final String walletUserID; // ID or number that we show the user
-  final String name;
   final double balance;
   final Currency currency;
   final bool isHidden;
@@ -13,14 +13,21 @@ class Wallet {
   final String? network;
   final String? tokenSymbol;
   final String? contractAddress;
+  final Describable describable;
+
+  @override
+  String get name => describable.name;
+
+  @override
+  String? get description => describable.description;
 
   Wallet({
     required this.id,
     required this.walletUserID,
-    required this.name,
     required this.balance,
     required this.currency,
     required this.calculatedAt,
+    required this.describable,
     this.isHidden = true,
     this.depositAddress,
     this.network,
@@ -30,7 +37,6 @@ class Wallet {
 
   Wallet copyWith({
     String? id,
-    String? name,
     double? balance,
     Currency? currency,
     String? walletUserID,
@@ -39,9 +45,11 @@ class Wallet {
     String? network,
     String? tokenSymbol,
     String? contractAddress,
+    Describable? describable,
+    String? name,
+    String? Function()? description,
   }) => Wallet(
     id: id ?? this.id,
-    name: name ?? this.name,
     balance: balance ?? this.balance,
     currency: currency ?? this.currency,
     walletUserID: walletUserID ?? this.walletUserID,
@@ -51,5 +59,9 @@ class Wallet {
     network: network ?? this.network,
     tokenSymbol: tokenSymbol ?? this.tokenSymbol,
     contractAddress: contractAddress ?? this.contractAddress,
+    describable: describable 
+      ?? (name != null || description != null 
+        ? this.describable.copyWith(name: name, description: description) 
+        : this.describable),
   );
 }

frontend/pweb/lib/models/wallet_transaction.dart

@@ -2,7 +2,7 @@ import 'package:flutter/widgets.dart';
 
 import 'package:pshared/models/payment/status.dart';
 
-import 'package:pweb/models/currency.dart';
+import 'package:pshared/models/currency.dart';
 
 import 'package:pweb/generated/i18n/app_localizations.dart';
 

frontend/pweb/lib/pages/address_book/form/method_tile.dart

@@ -7,7 +7,7 @@ import 'package:pweb/pages/payment_methods/form.dart';
 import 'package:pweb/pages/payment_methods/icon.dart';
 
 
-class AdressBookPaymentMethodTile extends StatefulWidget {
+class AddressBookPaymentMethodTile extends StatefulWidget {
   final PaymentType type;
   final String title;
   final MethodMap methods;
@@ -18,7 +18,7 @@ class AdressBookPaymentMethodTile extends StatefulWidget {
   final double sizeM;
   final TextStyle? titleTextStyle;
 
-  const AdressBookPaymentMethodTile({
+  const AddressBookPaymentMethodTile({
     super.key,
     required this.type,
     required this.title,
@@ -31,10 +31,10 @@ class AdressBookPaymentMethodTile extends StatefulWidget {
   });
 
   @override
-  State<AdressBookPaymentMethodTile> createState() => _AdressBookPaymentMethodTileState();
+  State<AddressBookPaymentMethodTile> createState() => _AddressBookPaymentMethodTileState();
 }
 
-class _AdressBookPaymentMethodTileState extends State<AdressBookPaymentMethodTile> {
+class _AddressBookPaymentMethodTileState extends State<AddressBookPaymentMethodTile> {
   @override
   Widget build(BuildContext context) {
     final theme = Theme.of(context);