Merge pull request 'Chimera Settle service' (#690) from chsettle-689 into main

Reviewed-on: #690

Makefile

@@ -1,10 +1,31 @@
 # Sendico Development Environment - Makefile
 # Docker Compose + Makefile build system
 
-.PHONY: help init build up down restart logs rebuild clean vault-init proto generate generate-api generate-frontend update update-api update-frontend test test-api test-frontend
+.PHONY: help init build up down restart logs rebuild clean vault-init proto generate generate-api generate-frontend update update-api update-frontend test test-api test-frontend backend-up backend-down backend-rebuild
 
 COMPOSE := docker compose -f docker-compose.dev.yml --env-file .env.dev
 SERVICE ?=
+BACKEND_SERVICES := \
+	dev-discovery \
+	dev-fx-oracle \
+	dev-fx-ingestor \
+	dev-billing-fees \
+	dev-billing-documents \
+	dev-ledger \
+	dev-payments-orchestrator \
+	dev-payments-quotation \
+	dev-payments-methods \
+	dev-chain-gateway-vault-agent \
+	dev-chain-gateway \
+	dev-tron-gateway-vault-agent \
+	dev-tron-gateway \
+	dev-aurora-gateway \
+	dev-tgsettle-gateway \
+	dev-notification \
+	dev-callbacks-vault-agent \
+	dev-callbacks \
+	dev-bff-vault-agent \
+	dev-bff
 
 # Colors
 GREEN  := \033[0;32m
@@ -31,13 +52,16 @@ help:
 	@echo "$(YELLOW)Selective Operations:$(NC)"
 	@echo "  make infra-up           Start infrastructure only (mongo, nats, vault)"
 	@echo "  make services-up        Start application services only"
+	@echo "  make backend-up         Start backend services only (no infrastructure/frontend)"
+	@echo "  make backend-down       Stop backend services only"
+	@echo "  make backend-rebuild    Rebuild and restart backend services only"
 	@echo "  make list-services      List all available services"
 	@echo ""
 	@echo "$(YELLOW)Build Groups:$(NC)"
 	@echo "  make build-core         Build core services (discovery, ledger, fees, documents)"
 	@echo "  make build-fx           Build FX services (oracle, ingestor)"
 	@echo "  make build-payments     Build payment orchestrator"
-	@echo "  make build-gateways     Build gateway services (chain, tron, mntx, tgsettle)"
+	@echo "  make build-gateways     Build gateway services (chain, tron, aurora, tgsettle)"
 	@echo "  make build-api          Build API services (notification, callbacks, bff)"
 	@echo "  make build-frontend     Build Flutter web frontend"
 	@echo ""
@@ -222,13 +246,28 @@ services-up:
 		dev-payments-methods \
 		dev-chain-gateway \
 		dev-tron-gateway \
-		dev-mntx-gateway \
+		dev-aurora-gateway \
 		dev-tgsettle-gateway \
 		dev-notification \
 		dev-callbacks \
 		dev-bff \
 		dev-frontend
 
+# Backend services only (no infrastructure, no frontend)
+backend-up:
+	@echo "$(GREEN)Starting backend services only (no infra changes)...$(NC)"
+	@$(COMPOSE) up -d --no-deps $(BACKEND_SERVICES)
+
+backend-down:
+	@echo "$(YELLOW)Stopping backend services only...$(NC)"
+	@$(COMPOSE) stop $(BACKEND_SERVICES)
+
+backend-rebuild:
+	@echo "$(GREEN)Rebuilding backend services only (no infra changes)...$(NC)"
+	@$(COMPOSE) build $(BACKEND_SERVICES)
+	@$(COMPOSE) up -d --no-deps --force-recreate $(BACKEND_SERVICES)
+	@echo "$(GREEN)✅ Backend services rebuilt$(NC)"
+
 # Status check
 status:
 	@$(COMPOSE) ps
@@ -252,7 +291,7 @@ list-services:
 	@echo "  - dev-payments-methods  :50066, :9416 (Payment Methods)"
 	@echo "  - dev-chain-gateway     :50070, :9404 (EVM Blockchain Gateway)"
 	@echo "  - dev-tron-gateway      :50071, :9408 (TRON Blockchain Gateway)"
-	@echo "  - dev-mntx-gateway      :50075, :9405, :8084 (Card Payouts)"
+	@echo "  - dev-aurora-gateway    :50075, :9405, :8084 (Card Payouts Simulator)"
 	@echo "  - dev-tgsettle-gateway  :50080, :9406 (Telegram Settlements)"
 	@echo "  - dev-notification      :8081  (Notifications)"
 	@echo "  - dev-callbacks         :9420  (Webhook Callbacks)"
@@ -283,7 +322,7 @@ build-payments:
 
 build-gateways:
 	@echo "$(GREEN)Building gateway services...$(NC)"
-	@$(COMPOSE) build dev-chain-gateway dev-tron-gateway dev-mntx-gateway dev-tgsettle-gateway
+	@$(COMPOSE) build dev-chain-gateway dev-tron-gateway dev-aurora-gateway dev-tgsettle-gateway
 
 build-api:
 	@echo "$(GREEN)Building API services...$(NC)"

README.md

@@ -24,6 +24,7 @@ Financial services platform providing payment orchestration, ledger accounting,
 | FX Ingestor | `api/fx/ingestor/` | FX rate ingestion |
 | Gateway Chain | `api/gateway/chain/` | EVM blockchain gateway |
 | Gateway TRON | `api/gateway/tron/` | TRON blockchain gateway |
+| Gateway Aurora | `api/gateway/aurora/` | Card payouts simulator |
 | Gateway MNTX | `api/gateway/mntx/` | Card payouts |
 | Gateway TGSettle | `api/gateway/tgsettle/` | Telegram settlements with MNTX |
 | Notification | `api/notification/` | Notifications |
@@ -31,6 +32,16 @@ Financial services platform providing payment orchestration, ledger accounting,
 | Callbacks | `api/edge/callbacks/` | Webhook callbacks delivery |
 | Frontend | `frontend/pweb/` | Flutter web UI |
 
+Gateway note: current dev compose workflows (`make services-up`, `make build-gateways`) use Aurora for card-payout flows (`chain`, `tron`, `aurora`, `tgsettle`). The MNTX gateway codebase is retained separately for Monetix-specific integration.
+
+## Prerequisites
+
+- Docker with Docker Compose plugin
+- GNU Make
+- Go toolchain
+- Dart SDK
+- Flutter SDK
+
 ## Development
 
 Development uses Docker Compose via the Makefile. Run `make help` for all available commands.
@@ -54,6 +65,8 @@ make status               # Show service status
 make logs                 # View all logs
 make logs SERVICE=dev-ledger  # View logs for a specific service
 make rebuild SERVICE=dev-ledger # Rebuild and restart a specific service
+make list-services        # List all services and ports
+make health               # Check service health
 make clean                # Remove all containers and volumes
 ```
 
@@ -62,6 +75,10 @@ make clean                # Remove all containers and volumes
 ```bash
 make infra-up      # Start infrastructure only (MongoDB, NATS, Vault)
 make services-up   # Start application services only (assumes infra is running)
+make backend-up    # Start backend services only (no infrastructure/frontend changes)
+make backend-down  # Stop backend services only
+make backend-rebuild # Rebuild and restart backend services only
+make list-services # Show service names, ports, and descriptions
 ```
 
 ### Build Groups
@@ -69,8 +86,8 @@ make services-up   # Start application services only (assumes infra is running)
 ```bash
 make build-core       # discovery, ledger, fees, documents
 make build-fx         # oracle, ingestor
-make build-payments   # orchestrator
-make build-gateways   # chain, tron, mntx, tgsettle
+make build-payments   # orchestrator, quotation, methods
+make build-gateways   # chain, tron, aurora, tgsettle
 make build-api        # notification, callbacks, bff
 make build-frontend   # Flutter web UI
 ```

api/edge/bff/interface/api/srequest/payment_intent.go

@@ -14,6 +14,7 @@ type PaymentIntent struct {
 	SettlementMode SettlementMode      `json:"settlement_mode,omitempty"`
 	FeeTreatment   FeeTreatment        `json:"fee_treatment,omitempty"`
 	Attributes     map[string]string   `json:"attributes,omitempty"`
+	Comment        string              `json:"comment,omitempty"`
 	Customer       *Customer           `json:"customer,omitempty"`
 }
 

api/edge/bff/interface/api/sresponse/payment.go

@@ -70,6 +70,7 @@ type Payment struct {
 	PaymentRef     string             `json:"paymentRef,omitempty"`
 	IdempotencyKey string             `json:"idempotencyKey,omitempty"`
 	State          string             `json:"state,omitempty"`
+	Comment        string             `json:"comment,omitempty"`
 	FailureCode    string             `json:"failureCode,omitempty"`
 	FailureReason  string             `json:"failureReason,omitempty"`
 	Operations     []PaymentOperation `json:"operations,omitempty"`
@@ -294,6 +295,7 @@ func toPayment(p *orchestrationv2.Payment) *Payment {
 	return &Payment{
 		PaymentRef:     p.GetPaymentRef(),
 		State:          enumJSONName(p.GetState().String()),
+		Comment:        strings.TrimSpace(p.GetIntentSnapshot().GetComment()),
 		FailureCode:    failureCode,
 		FailureReason:  failureReason,
 		Operations:     operations,

api/edge/bff/interface/api/sresponse/payment_test.go

@@ -121,6 +121,22 @@ func TestToPaymentIgnoresHiddenFailures(t *testing.T) {
 	}
 }
 
+func TestToPaymentMapsIntentComment(t *testing.T) {
+	dto := toPayment(&orchestrationv2.Payment{
+		PaymentRef: "pay-3",
+		State:      orchestrationv2.OrchestrationState_ORCHESTRATION_STATE_CREATED,
+		IntentSnapshot: &quotationv2.QuoteIntent{
+			Comment: "  invoice-7  ",
+		},
+	})
+	if dto == nil {
+		t.Fatal("expected non-nil payment dto")
+	}
+	if got, want := dto.Comment, "invoice-7"; got != want {
+		t.Fatalf("comment mismatch: got=%q want=%q", got, want)
+	}
+}
+
 func TestToPaymentQuote_MapsIntentRef(t *testing.T) {
 	dto := toPaymentQuote(&quotationv2.PaymentQuote{
 		QuoteRef:  "quote-1",

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

@@ -338,9 +338,6 @@ func (a *AccountAPI) openOrgLedgerAccount(ctx context.Context, org *model.Organi
 		return merrors.Internal("chain gateway default asset is not configured")
 	}
 
-	// TODO: remove hardcode
-	currency := "RUB"
-
 	var describable *describablev1.Describable
 	name := strings.TrimSpace(sr.LedgerWallet.Name)
 	var description *string
@@ -357,26 +354,47 @@ func (a *AccountAPI) openOrgLedgerAccount(ctx context.Context, org *model.Organi
 		}
 	}
 
-	resp, err := a.ledgerClient.CreateAccount(ctx, &ledgerv1.CreateAccountRequest{
-		OrganizationRef: org.ID.Hex(),
-		AccountType:     ledgerv1.AccountType_ACCOUNT_TYPE_ASSET,
-		Currency:        currency,
-		Status:          ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE,
-		Role:            ledgerv1.AccountRole_ACCOUNT_ROLE_OPERATING,
-		Metadata: map[string]string{
-			"source": "signup",
-			"login":  sr.Account.Login,
-		},
-		Describable: describable,
-	})
-	if err != nil {
-		a.logger.Warn("Failed to create ledger account for organization", zap.Error(err), mzap.StorableRef(org))
-		return err
-	}
-	if resp == nil || resp.GetAccount() == nil || strings.TrimSpace(resp.GetAccount().GetLedgerAccountRef()) == "" {
-		return merrors.Internal("ledger returned empty account reference")
+	currencies := []string{"RUB", "USDT"}
+	if chainTokenCurrency := strings.ToUpper(strings.TrimSpace(a.chainAsset.GetTokenSymbol())); chainTokenCurrency != "" {
+		currencies = append(currencies, chainTokenCurrency)
+	}
+
+	seen := make(map[string]struct{}, len(currencies))
+	for _, currency := range currencies {
+		currency = strings.ToUpper(strings.TrimSpace(currency))
+		if currency == "" {
+			continue
+		}
+		if _, exists := seen[currency]; exists {
+			continue
+		}
+		seen[currency] = struct{}{}
+
+		resp, err := a.ledgerClient.CreateAccount(ctx, &ledgerv1.CreateAccountRequest{
+			OrganizationRef: org.ID.Hex(),
+			AccountType:     ledgerv1.AccountType_ACCOUNT_TYPE_ASSET,
+			Currency:        currency,
+			Status:          ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE,
+			Role:            ledgerv1.AccountRole_ACCOUNT_ROLE_OPERATING,
+			Metadata: map[string]string{
+				"source": "signup",
+				"login":  sr.Account.Login,
+			},
+			Describable: describable,
+		})
+		if err != nil {
+			a.logger.Warn("Failed to create ledger account for organization", zap.Error(err), mzap.StorableRef(org), zap.String("currency", currency))
+			return err
+		}
+		if resp == nil || resp.GetAccount() == nil || strings.TrimSpace(resp.GetAccount().GetLedgerAccountRef()) == "" {
+			return merrors.Internal("ledger returned empty account reference")
+		}
+
+		a.logger.Info("Ledger account created for organization",
+			mzap.StorableRef(org),
+			zap.String("currency", currency),
+			zap.String("ledger_account_ref", resp.GetAccount().GetLedgerAccountRef()))
 	}
 
-	a.logger.Info("Ledger account created for organization", mzap.StorableRef(org), zap.String("ledger_account_ref", resp.GetAccount().GetLedgerAccountRef()))
 	return nil
 }

api/edge/bff/internal/server/accountapiimp/signup_ledger_test.go

@@ -16,13 +16,13 @@ import (
 )
 
 type stubLedgerAccountClient struct {
-	createReq  *ledgerv1.CreateAccountRequest
+	createReqs []*ledgerv1.CreateAccountRequest
 	createResp *ledgerv1.CreateAccountResponse
 	createErr  error
 }
 
 func (s *stubLedgerAccountClient) CreateAccount(_ context.Context, req *ledgerv1.CreateAccountRequest) (*ledgerv1.CreateAccountResponse, error) {
-	s.createReq = req
+	s.createReqs = append(s.createReqs, req)
 	return s.createResp, s.createErr
 }
 
@@ -31,7 +31,7 @@ func (s *stubLedgerAccountClient) Close() error {
 }
 
 func TestOpenOrgLedgerAccount(t *testing.T) {
-	t.Run("creates operating ledger account", func(t *testing.T) {
+	t.Run("creates operating ledger accounts for RUB and USDT", func(t *testing.T) {
 		desc := "  Main org ledger account  "
 		sr := &srequest.Signup{
 			Account: model.AccountData{
@@ -65,22 +65,26 @@ func TestOpenOrgLedgerAccount(t *testing.T) {
 
 		err := api.openOrgLedgerAccount(context.Background(), org, sr)
 		assert.NoError(t, err)
-		if assert.NotNil(t, ledgerStub.createReq) {
-			assert.Equal(t, org.ID.Hex(), ledgerStub.createReq.GetOrganizationRef())
-			assert.Equal(t, "RUB", ledgerStub.createReq.GetCurrency())
-			assert.Equal(t, ledgerv1.AccountType_ACCOUNT_TYPE_ASSET, ledgerStub.createReq.GetAccountType())
-			assert.Equal(t, ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE, ledgerStub.createReq.GetStatus())
-			assert.Equal(t, ledgerv1.AccountRole_ACCOUNT_ROLE_OPERATING, ledgerStub.createReq.GetRole())
-			assert.Equal(t, map[string]string{
-				"source": "signup",
-				"login":  "owner@example.com",
-			}, ledgerStub.createReq.GetMetadata())
-			if assert.NotNil(t, ledgerStub.createReq.GetDescribable()) {
-				assert.Equal(t, "Primary Ledger", ledgerStub.createReq.GetDescribable().GetName())
-				if assert.NotNil(t, ledgerStub.createReq.GetDescribable().Description) {
-					assert.Equal(t, "Main org ledger account", ledgerStub.createReq.GetDescribable().GetDescription())
+		if assert.Len(t, ledgerStub.createReqs, 2) {
+			currencies := make([]string, 0, len(ledgerStub.createReqs))
+			for _, req := range ledgerStub.createReqs {
+				currencies = append(currencies, req.GetCurrency())
+				assert.Equal(t, org.ID.Hex(), req.GetOrganizationRef())
+				assert.Equal(t, ledgerv1.AccountType_ACCOUNT_TYPE_ASSET, req.GetAccountType())
+				assert.Equal(t, ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE, req.GetStatus())
+				assert.Equal(t, ledgerv1.AccountRole_ACCOUNT_ROLE_OPERATING, req.GetRole())
+				assert.Equal(t, map[string]string{
+					"source": "signup",
+					"login":  "owner@example.com",
+				}, req.GetMetadata())
+				if assert.NotNil(t, req.GetDescribable()) {
+					assert.Equal(t, "Primary Ledger", req.GetDescribable().GetName())
+					if assert.NotNil(t, req.GetDescribable().Description) {
+						assert.Equal(t, "Main org ledger account", req.GetDescribable().GetDescription())
+					}
 				}
 			}
+			assert.ElementsMatch(t, []string{"RUB", "USDT"}, currencies)
 		}
 	})
 

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

@@ -61,9 +61,7 @@ func mapQuoteIntent(intent *srequest.PaymentIntent) (*quotationv2.QuoteIntent, e
 		FeeTreatment:       resolvedFeeTreatment,
 		SettlementCurrency: settlementCurrency,
 		Fx:                 mapFXIntent(intent),
-	}
-	if comment := strings.TrimSpace(intent.Attributes["comment"]); comment != "" {
-		quoteIntent.Comment = comment
+		Comment:            strings.TrimSpace(intent.Comment),
 	}
 	return quoteIntent, nil
 }

api/gateway/aurora/.air.toml

@@ -0,0 +1,46 @@
+root = "."
+testdata_dir = "testdata"
+tmp_dir = "tmp"
+
+[build]
+  args_bin = []
+  entrypoint = "./tmp/main"
+  cmd = "go build -o ./tmp/main ."
+  delay = 1000
+  exclude_dir = ["assets", "tmp", "vendor", "testdata"]
+  exclude_file = []
+  exclude_regex = ["_test.go", "_templ.go"]
+  exclude_unchanged = false
+  follow_symlink = false
+  full_bin = ""
+  include_dir = []
+  include_ext = ["go", "tpl", "tmpl", "html"]
+  include_file = []
+  kill_delay = "0s"
+  log = "build-errors.log"
+  poll = false
+  poll_interval = 0
+  post_cmd = []
+  pre_cmd = []
+  rerun = false
+  rerun_delay = 500
+  send_interrupt = false
+  stop_on_error = false
+
+[color]
+  app = ""
+  build = "yellow"
+  main = "magenta"
+  runner = "green"
+  watcher = "cyan"
+
+[log]
+  main_only = false
+  time = false
+
+[misc]
+  clean_on_exit = false
+
+[screen]
+  clear_on_rebuild = false
+  keep_scroll = true

api/gateway/aurora/.gitignore

@@ -0,0 +1,5 @@
+/aurora
+internal/generated
+.gocache
+tmp
+app

api/gateway/aurora/README.md

@@ -0,0 +1,28 @@
+# Aurora Gateway – Simulated Card Payouts
+
+Aurora is a dev/test-only card payout gateway with the same gRPC contract as `mntx`, but it never sends real funds.
+
+## Runtime entry points
+- gRPC: `MntxGatewayService.CreateCardPayout`, `CreateCardTokenPayout`, `CreateCardToken`, `GetCardPayoutStatus`, `ListGatewayInstances`
+- Callback HTTP server (optional): `:8084/aurora/callback`
+- Metrics: Prometheus on `:9405/metrics`
+
+## Behavior
+- Card payouts are resolved locally by PAN scenario mapping.
+- Token payouts resolve the scenario from the tokenized PAN (or fallback to masked PAN last4).
+- No outbound payout/tokenization HTTP calls are made.
+
+## Built-in test cards
+- `2200001111111111`: approved instantly (`success`, code `00`)
+- `2200002222222222`: pending issuer review (`waiting`, code `P01`)
+- `2200003333333333`: insufficient funds (`failed`, code `51`)
+- `2200004444444444`: issuer unavailable retryable (`failed`, code `10101`)
+- `2200005555555555`: stolen card (`failed`, code `43`)
+- `2200006666666666`: do not honor (`failed`, code `05`)
+- `2200007777777777`: expired card (`failed`, code `54`)
+- any other PAN: default queued processing (`waiting`, code `P00`)
+
+## Notes
+- PAN is masked in logs.
+- Provider settings should be configured under `aurora:` (legacy `mcards:` key is still accepted for backward compatibility).
+- `gateway.id` defaults to `mcards` to preserve orchestrator compatibility.

api/gateway/aurora/SCENARIOS.md

@@ -0,0 +1,37 @@
+# Aurora Test Card Scenarios
+
+Aurora is a simulated card payout gateway for dev/test.  
+It does not move real funds; results are determined by PAN scenario mapping.
+
+## Status/response fields
+- `accepted`: whether submit is accepted by the gateway workflow
+- `status`: payout state returned/stored (`SUCCESS`, `WAITING`, `FAILED`)
+- `code`: simulated provider code
+- `message`: simulated provider message
+
+## PAN scenarios
+
+| PAN | Scenario | accepted | status | code | message |
+|---|---|---:|---|---|---|
+| `2200001111111111` | approved_instant | `true` | `SUCCESS` | `00` | Approved by issuer |
+| `2200002222222222` | pending_issuer_review | `true` | `WAITING` | `P01` | Pending issuer review |
+| `2200003333333333` | insufficient_funds | `false` | `FAILED` | `51` | Insufficient funds |
+| `2200004444444444` | issuer_unavailable_retryable | `false` on provider response, but submit is retried | starts `WAITING`, may end `FAILED` after retries | `10101` | Issuer temporary unavailable, retry later |
+| `2200005555555555` | stolen_card | `false` | `FAILED` | `43` | Stolen card, pickup |
+| `2200006666666666` | do_not_honor | `false` | `FAILED` | `05` | Do not honor |
+| `2200007777777777` | expired_card | `false` | `FAILED` | `54` | Expired card |
+| `2200008888888888` | provider_timeout_transport | transport failure (no provider acceptance) | starts `WAITING` (retry scheduled), may end `FAILED` | n/a (transport error path) | provider timeout while calling payout endpoint |
+| `2200009999999998` | provider_unreachable_transport | transport failure (no provider acceptance) | starts `WAITING` (retry scheduled), may end `FAILED` | n/a (transport error path) | provider host unreachable |
+| `2200009999999997` | provider_maintenance | `false` | `FAILED` | `91` | Issuer or switch is inoperative |
+| `2200009999999996` | provider_system_malfunction | `false` | `FAILED` | `96` | System malfunction |
+
+## Default behavior
+- Any PAN not listed above -> `default_processing`
+  - `accepted=true`
+  - `status=WAITING`
+  - `code=P00`
+  - `message=Queued for provider processing`
+
+## Token payout behavior
+- If payout uses a known Aurora token, scenario is resolved from the PAN used during tokenization.
+- If token is unknown, Aurora falls back to `masked_pan` last4 matching when available.

api/gateway/aurora/client/client.go

@@ -0,0 +1,403 @@
+package client
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model/account_role"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials/insecure"
+	"google.golang.org/protobuf/types/known/structpb"
+)
+
+// Client wraps the Aurora gateway gRPC API.
+type Client interface {
+	CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error)
+	CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error)
+	GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error)
+	ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error)
+	Close() error
+}
+
+type grpcConnectorClient interface {
+	SubmitOperation(ctx context.Context, in *connectorv1.SubmitOperationRequest, opts ...grpc.CallOption) (*connectorv1.SubmitOperationResponse, error)
+	GetOperation(ctx context.Context, in *connectorv1.GetOperationRequest, opts ...grpc.CallOption) (*connectorv1.GetOperationResponse, error)
+}
+
+type gatewayClient struct {
+	conn   *grpc.ClientConn
+	client grpcConnectorClient
+	cfg    Config
+	logger mlogger.Logger
+}
+
+// New dials the Aurora gateway.
+func New(ctx context.Context, cfg Config, opts ...grpc.DialOption) (Client, error) {
+	cfg.setDefaults()
+	if strings.TrimSpace(cfg.Address) == "" {
+		return nil, merrors.InvalidArgument("aurora: address is required")
+	}
+	dialOpts := make([]grpc.DialOption, 0, len(opts)+1)
+	dialOpts = append(dialOpts, grpc.WithTransportCredentials(insecure.NewCredentials()))
+	dialOpts = append(dialOpts, opts...)
+
+	conn, err := grpc.NewClient(cfg.Address, dialOpts...)
+	if err != nil {
+		return nil, merrors.Internal("aurora: dial failed: " + err.Error())
+	}
+
+	return &gatewayClient{
+		conn:   conn,
+		client: connectorv1.NewConnectorServiceClient(conn),
+		cfg:    cfg,
+		logger: cfg.Logger,
+	}, nil
+}
+
+func (g *gatewayClient) Close() error {
+	if g.conn != nil {
+		return g.conn.Close()
+	}
+	return nil
+}
+
+func (g *gatewayClient) callContext(ctx context.Context, method string) (context.Context, context.CancelFunc) {
+	if ctx == nil {
+		ctx = context.Background()
+	}
+	timeout := g.cfg.CallTimeout
+	if timeout <= 0 {
+		timeout = 5 * time.Second
+	}
+	if g.logger != nil {
+		fields := []zap.Field{
+			zap.String("method", method),
+			zap.Duration("timeout", timeout),
+		}
+		if deadline, ok := ctx.Deadline(); ok {
+			fields = append(fields, zap.Time("parent_deadline", deadline), zap.Duration("parent_deadline_in", time.Until(deadline)))
+		}
+		g.logger.Info("Aurora gateway client call timeout applied", fields...)
+	}
+	return context.WithTimeout(ctx, timeout)
+}
+
+func (g *gatewayClient) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+	ctx, cancel := g.callContext(ctx, "CreateCardPayout")
+	defer cancel()
+	operation, err := operationFromCardPayout(req)
+	if err != nil {
+		return nil, err
+	}
+	resp, err := g.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return &mntxv1.CardPayoutResponse{Payout: payoutFromReceipt(req.GetPayoutId(), req.GetOperationRef(), req.GetParentPaymentRef(), resp.GetReceipt())}, nil
+}
+
+func (g *gatewayClient) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
+	ctx, cancel := g.callContext(ctx, "CreateCardTokenPayout")
+	defer cancel()
+	operation, err := operationFromTokenPayout(req)
+	if err != nil {
+		return nil, err
+	}
+	resp, err := g.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operation})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() != nil && resp.GetReceipt().GetError() != nil {
+		return nil, connectorError(resp.GetReceipt().GetError())
+	}
+	return &mntxv1.CardTokenPayoutResponse{Payout: payoutFromReceipt(req.GetPayoutId(), req.GetOperationRef(), req.GetParentPaymentRef(), resp.GetReceipt())}, nil
+}
+
+func (g *gatewayClient) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error) {
+	ctx, cancel := g.callContext(ctx, "GetCardPayoutStatus")
+	defer cancel()
+	if req == nil || strings.TrimSpace(req.GetPayoutId()) == "" {
+		return nil, merrors.InvalidArgument("aurora: payout_id is required")
+	}
+	resp, err := g.client.GetOperation(ctx, &connectorv1.GetOperationRequest{OperationId: strings.TrimSpace(req.GetPayoutId())})
+	if err != nil {
+		return nil, err
+	}
+	return &mntxv1.GetCardPayoutStatusResponse{Payout: payoutFromOperation(resp.GetOperation())}, nil
+}
+
+func (g *gatewayClient) ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error) {
+	return nil, merrors.NotImplemented("aurora: ListGatewayInstances not supported via connector")
+}
+
+func operationFromCardPayout(req *mntxv1.CardPayoutRequest) (*connectorv1.Operation, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("aurora: request is required")
+	}
+	params := payoutParamsFromCard(req)
+	money := moneyFromMinor(req.GetAmountMinor(), req.GetCurrency())
+	operationRef := fallbackNonEmpty(req.GetOperationRef(), req.GetPayoutId())
+	idempotencyKey := fallbackNonEmpty(req.GetIdempotencyKey(), operationRef)
+	op := &connectorv1.Operation{
+		Type:           connectorv1.OperationType_PAYOUT,
+		IdempotencyKey: idempotencyKey,
+		OperationRef:   operationRef,
+		IntentRef:      strings.TrimSpace(req.GetIntentRef()),
+		Money:          money,
+		Params:         structFromMap(params),
+	}
+	setOperationRolesFromMetadata(op, req.GetMetadata())
+	return op, nil
+}
+
+func operationFromTokenPayout(req *mntxv1.CardTokenPayoutRequest) (*connectorv1.Operation, error) {
+	if req == nil {
+		return nil, merrors.InvalidArgument("aurora: request is required")
+	}
+	params := payoutParamsFromToken(req)
+	money := moneyFromMinor(req.GetAmountMinor(), req.GetCurrency())
+	operationRef := fallbackNonEmpty(req.GetOperationRef(), req.GetPayoutId())
+	idempotencyKey := fallbackNonEmpty(req.GetIdempotencyKey(), operationRef)
+	op := &connectorv1.Operation{
+		Type:           connectorv1.OperationType_PAYOUT,
+		IdempotencyKey: idempotencyKey,
+		OperationRef:   operationRef,
+		IntentRef:      strings.TrimSpace(req.GetIntentRef()),
+		Money:          money,
+		Params:         structFromMap(params),
+	}
+	setOperationRolesFromMetadata(op, req.GetMetadata())
+	return op, nil
+}
+
+func setOperationRolesFromMetadata(op *connectorv1.Operation, metadata map[string]string) {
+	if op == nil || len(metadata) == 0 {
+		return
+	}
+	if raw := strings.TrimSpace(metadata[account_role.MetadataKeyFromRole]); raw != "" {
+		if role, ok := account_role.Parse(raw); ok && role != "" {
+			op.FromRole = account_role.ToProto(role)
+		}
+	}
+	if raw := strings.TrimSpace(metadata[account_role.MetadataKeyToRole]); raw != "" {
+		if role, ok := account_role.Parse(raw); ok && role != "" {
+			op.ToRole = account_role.ToProto(role)
+		}
+	}
+}
+
+func payoutParamsFromCard(req *mntxv1.CardPayoutRequest) map[string]interface{} {
+	metadata := sanitizeMetadata(req.GetMetadata())
+	params := map[string]interface{}{
+		"project_id":           req.GetProjectId(),
+		"parent_payment_ref":   strings.TrimSpace(req.GetParentPaymentRef()),
+		"customer_id":          strings.TrimSpace(req.GetCustomerId()),
+		"customer_first_name":  strings.TrimSpace(req.GetCustomerFirstName()),
+		"customer_middle_name": strings.TrimSpace(req.GetCustomerMiddleName()),
+		"customer_last_name":   strings.TrimSpace(req.GetCustomerLastName()),
+		"customer_ip":          strings.TrimSpace(req.GetCustomerIp()),
+		"customer_zip":         strings.TrimSpace(req.GetCustomerZip()),
+		"customer_country":     strings.TrimSpace(req.GetCustomerCountry()),
+		"customer_state":       strings.TrimSpace(req.GetCustomerState()),
+		"customer_city":        strings.TrimSpace(req.GetCustomerCity()),
+		"customer_address":     strings.TrimSpace(req.GetCustomerAddress()),
+		"amount_minor":         req.GetAmountMinor(),
+		"currency":             strings.TrimSpace(req.GetCurrency()),
+		"card_pan":             strings.TrimSpace(req.GetCardPan()),
+		"card_exp_year":        req.GetCardExpYear(),
+		"card_exp_month":       req.GetCardExpMonth(),
+		"card_holder":          strings.TrimSpace(req.GetCardHolder()),
+	}
+	if len(metadata) > 0 {
+		params["metadata"] = mapStringToInterface(metadata)
+	}
+	return params
+}
+
+func payoutParamsFromToken(req *mntxv1.CardTokenPayoutRequest) map[string]interface{} {
+	metadata := sanitizeMetadata(req.GetMetadata())
+	params := map[string]interface{}{
+		"project_id":           req.GetProjectId(),
+		"parent_payment_ref":   strings.TrimSpace(req.GetParentPaymentRef()),
+		"customer_id":          strings.TrimSpace(req.GetCustomerId()),
+		"customer_first_name":  strings.TrimSpace(req.GetCustomerFirstName()),
+		"customer_middle_name": strings.TrimSpace(req.GetCustomerMiddleName()),
+		"customer_last_name":   strings.TrimSpace(req.GetCustomerLastName()),
+		"customer_ip":          strings.TrimSpace(req.GetCustomerIp()),
+		"customer_zip":         strings.TrimSpace(req.GetCustomerZip()),
+		"customer_country":     strings.TrimSpace(req.GetCustomerCountry()),
+		"customer_state":       strings.TrimSpace(req.GetCustomerState()),
+		"customer_city":        strings.TrimSpace(req.GetCustomerCity()),
+		"customer_address":     strings.TrimSpace(req.GetCustomerAddress()),
+		"amount_minor":         req.GetAmountMinor(),
+		"currency":             strings.TrimSpace(req.GetCurrency()),
+		"card_token":           strings.TrimSpace(req.GetCardToken()),
+		"card_holder":          strings.TrimSpace(req.GetCardHolder()),
+		"masked_pan":           strings.TrimSpace(req.GetMaskedPan()),
+	}
+	if len(metadata) > 0 {
+		params["metadata"] = mapStringToInterface(metadata)
+	}
+	return params
+}
+
+func moneyFromMinor(amount int64, currency string) *moneyv1.Money {
+	if amount <= 0 {
+		return nil
+	}
+	dec := decimal.NewFromInt(amount).Div(decimal.NewFromInt(100))
+	return &moneyv1.Money{
+		Amount:   dec.StringFixed(2),
+		Currency: strings.ToUpper(strings.TrimSpace(currency)),
+	}
+}
+
+func payoutFromReceipt(payoutID, operationRef, parentPaymentRef string, receipt *connectorv1.OperationReceipt) *mntxv1.CardPayoutState {
+	state := &mntxv1.CardPayoutState{
+		PayoutId:         fallbackNonEmpty(operationRef, payoutID),
+		ParentPaymentRef: strings.TrimSpace(parentPaymentRef),
+	}
+	if receipt == nil {
+		return state
+	}
+	if opID := strings.TrimSpace(receipt.GetOperationId()); opID != "" {
+		state.PayoutId = opID
+	}
+	state.Status = payoutStatusFromOperation(receipt.GetStatus())
+	state.ProviderPaymentId = strings.TrimSpace(receipt.GetProviderRef())
+	return state
+}
+
+func fallbackNonEmpty(values ...string) string {
+	for _, value := range values {
+		clean := strings.TrimSpace(value)
+		if clean != "" {
+			return clean
+		}
+	}
+	return ""
+}
+
+func sanitizeMetadata(source map[string]string) map[string]string {
+	if len(source) == 0 {
+		return nil
+	}
+	out := map[string]string{}
+	for key, value := range source {
+		k := strings.TrimSpace(key)
+		if k == "" {
+			continue
+		}
+		out[k] = strings.TrimSpace(value)
+	}
+	if len(out) == 0 {
+		return nil
+	}
+	return out
+}
+
+func payoutFromOperation(op *connectorv1.Operation) *mntxv1.CardPayoutState {
+	if op == nil {
+		return nil
+	}
+	state := &mntxv1.CardPayoutState{
+		PayoutId:          strings.TrimSpace(op.GetOperationId()),
+		Status:            payoutStatusFromOperation(op.GetStatus()),
+		ProviderPaymentId: strings.TrimSpace(op.GetProviderRef()),
+	}
+	if money := op.GetMoney(); money != nil {
+		state.Currency = strings.TrimSpace(money.GetCurrency())
+		state.AmountMinor = minorFromMoney(money)
+	}
+	return state
+}
+
+func minorFromMoney(m *moneyv1.Money) int64 {
+	if m == nil {
+		return 0
+	}
+	amount := strings.TrimSpace(m.GetAmount())
+	if amount == "" {
+		return 0
+	}
+	dec, err := decimal.NewFromString(amount)
+	if err != nil {
+		return 0
+	}
+	return dec.Mul(decimal.NewFromInt(100)).IntPart()
+}
+
+func payoutStatusFromOperation(status connectorv1.OperationStatus) mntxv1.PayoutStatus {
+	switch status {
+
+	case connectorv1.OperationStatus_OPERATION_CREATED:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_CREATED
+
+	case connectorv1.OperationStatus_OPERATION_WAITING:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING
+
+	case connectorv1.OperationStatus_OPERATION_SUCCESS:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_SUCCESS
+
+	case connectorv1.OperationStatus_OPERATION_FAILED:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+
+	case connectorv1.OperationStatus_OPERATION_CANCELLED:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_CANCELLED
+
+	default:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_UNSPECIFIED
+	}
+}
+
+func connectorError(err *connectorv1.ConnectorError) error {
+	if err == nil {
+		return nil
+	}
+	msg := strings.TrimSpace(err.GetMessage())
+	switch err.GetCode() {
+	case connectorv1.ErrorCode_INVALID_PARAMS:
+		return merrors.InvalidArgument(msg)
+	case connectorv1.ErrorCode_NOT_FOUND:
+		return merrors.NoData(msg)
+	case connectorv1.ErrorCode_UNSUPPORTED_OPERATION, connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND:
+		return merrors.NotImplemented(msg)
+	case connectorv1.ErrorCode_RATE_LIMITED, connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE:
+		return merrors.Internal(msg)
+	default:
+		return merrors.Internal(msg)
+	}
+}
+
+func structFromMap(data map[string]interface{}) *structpb.Struct {
+	if len(data) == 0 {
+		return nil
+	}
+	result, err := structpb.NewStruct(data)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func mapStringToInterface(input map[string]string) map[string]interface{} {
+	if len(input) == 0 {
+		return nil
+	}
+	out := make(map[string]interface{}, len(input))
+	for k, v := range input {
+		out[k] = v
+	}
+	return out
+}

api/gateway/aurora/client/config.go

@@ -0,0 +1,28 @@
+package client
+
+import (
+	"time"
+
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.uber.org/zap"
+)
+
+// Config holds Aurora gateway client settings.
+type Config struct {
+	Address     string
+	DialTimeout time.Duration
+	CallTimeout time.Duration
+	Logger      mlogger.Logger
+}
+
+func (c *Config) setDefaults() {
+	if c.DialTimeout <= 0 {
+		c.DialTimeout = 5 * time.Second
+	}
+	if c.CallTimeout <= 0 {
+		c.CallTimeout = 10 * time.Second
+	}
+	if c.Logger == nil {
+		c.Logger = zap.NewNop()
+	}
+}

api/gateway/aurora/client/fake.go

@@ -0,0 +1,45 @@
+package client
+
+import (
+	"context"
+
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+// Fake implements Client for tests.
+type Fake struct {
+	CreateCardPayoutFn      func(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error)
+	CreateCardTokenPayoutFn func(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error)
+	GetCardPayoutStatusFn   func(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error)
+	ListGatewayInstancesFn  func(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error)
+}
+
+func (f *Fake) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+	if f.CreateCardPayoutFn != nil {
+		return f.CreateCardPayoutFn(ctx, req)
+	}
+	return &mntxv1.CardPayoutResponse{}, nil
+}
+
+func (f *Fake) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
+	if f.CreateCardTokenPayoutFn != nil {
+		return f.CreateCardTokenPayoutFn(ctx, req)
+	}
+	return &mntxv1.CardTokenPayoutResponse{}, nil
+}
+
+func (f *Fake) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error) {
+	if f.GetCardPayoutStatusFn != nil {
+		return f.GetCardPayoutStatusFn(ctx, req)
+	}
+	return &mntxv1.GetCardPayoutStatusResponse{}, nil
+}
+
+func (f *Fake) ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error) {
+	if f.ListGatewayInstancesFn != nil {
+		return f.ListGatewayInstancesFn(ctx, req)
+	}
+	return &mntxv1.ListGatewayInstancesResponse{}, nil
+}
+
+func (f *Fake) Close() error { return nil }

api/gateway/aurora/config.dev.yml

@@ -0,0 +1,62 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+grpc:
+  network: tcp
+  address: ":50075"
+  advertise_host: "dev-aurora-gateway"
+  enable_reflection: true
+  enable_health: true
+
+metrics:
+  address: ":9405"
+
+database:
+  driver: mongodb
+  settings:
+    host_env: AURORA_GATEWAY_MONGO_HOST
+    port_env: AURORA_GATEWAY_MONGO_PORT
+    database_env: AURORA_GATEWAY_MONGO_DATABASE
+    user_env: AURORA_GATEWAY_MONGO_USER
+    password_env: AURORA_GATEWAY_MONGO_PASSWORD
+    auth_source_env: AURORA_GATEWAY_MONGO_AUTH_SOURCE
+    replica_set_env: AURORA_GATEWAY_MONGO_REPLICA_SET
+
+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: Aurora Gateway Service
+    max_reconnects: 10
+    reconnect_wait: 5
+    buffer_size: 1024
+
+aurora:
+  base_url: "http://aurora-sim.local"
+  project_id: 1001
+  secret_key: "aurora-dev-simulated"
+  allowed_currencies: ["RUB"]
+  require_customer_address: false
+  request_timeout_seconds: 15
+  status_success: "success"
+  status_processing: "processing"
+  strict_operation_mode: false
+
+gateway:
+  id: "mcards"
+  is_enabled: true
+  network: "MIR"
+  currencies: ["RUB"]
+  limits:
+    per_tx_min_amount: "0"
+
+http:
+  callback:
+    address: ":8084"
+    path: "/aurora/callback"
+    allowed_cidrs: []
+    max_body_bytes: 1048576

api/gateway/aurora/config.yml

@@ -0,0 +1,62 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+grpc:
+  network: tcp
+  address: ":50075"
+  advertise_host: "sendico_aurora_gateway"
+  enable_reflection: true
+  enable_health: true
+
+metrics:
+  address: ":9404"
+
+database:
+  driver: mongodb
+  settings:
+    host_env: AURORA_GATEWAY_MONGO_HOST
+    port_env: AURORA_GATEWAY_MONGO_PORT
+    database_env: AURORA_GATEWAY_MONGO_DATABASE
+    user_env: AURORA_GATEWAY_MONGO_USER
+    password_env: AURORA_GATEWAY_MONGO_PASSWORD
+    auth_source_env: AURORA_GATEWAY_MONGO_AUTH_SOURCE
+    replica_set_env: AURORA_GATEWAY_MONGO_REPLICA_SET
+
+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: Aurora Gateway Service
+    max_reconnects: 10
+    reconnect_wait: 5
+    buffer_size: 1024
+
+aurora:
+  base_url: "http://aurora-sim.local"
+  project_id: 1001
+  secret_key: "aurora-dev-simulated"
+  allowed_currencies: ["RUB"]
+  require_customer_address: false
+  request_timeout_seconds: 15
+  status_success: "success"
+  status_processing: "processing"
+  strict_operation_mode: false
+
+gateway:
+  id: "mcards"
+  is_enabled: true
+  network: "MIR"
+  currencies: ["RUB"]
+  limits:
+    per_tx_min_amount: "0.00"
+
+http:
+  callback:
+    address: ":8084"
+    path: "/aurora/callback"
+    allowed_cidrs: []
+    max_body_bytes: 1048576

api/gateway/aurora/entrypoint.sh

@@ -0,0 +1,4 @@
+#!/bin/sh
+set -eu
+
+exec /app/aurora-gateway "$@"

api/gateway/aurora/go.mod

@@ -0,0 +1,55 @@
+module github.com/tech/sendico/gateway/aurora
+
+go 1.25.7
+
+replace github.com/tech/sendico/pkg => ../../pkg
+
+replace github.com/tech/sendico/gateway/common => ../common
+
+require (
+	github.com/go-chi/chi/v5 v5.2.5
+	github.com/prometheus/client_golang v1.23.2
+	github.com/shopspring/decimal v1.4.0
+	github.com/tech/sendico/gateway/common v0.1.0
+	github.com/tech/sendico/pkg v0.1.0
+	go.mongodb.org/mongo-driver/v2 v2.5.0
+	go.uber.org/zap v1.27.1
+	google.golang.org/grpc v1.79.1
+	google.golang.org/protobuf v1.36.11
+	gopkg.in/yaml.v3 v3.0.1
+)
+
+require (
+	github.com/beorn7/perks v1.0.1 // indirect
+	github.com/bmatcuk/doublestar/v4 v4.10.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
+	github.com/casbin/govaluate v1.10.0 // indirect
+	github.com/casbin/mongodb-adapter/v4 v4.3.0 // indirect
+	github.com/cespare/xxhash/v2 v2.3.0 // indirect
+	github.com/google/uuid v1.6.0 // indirect
+	github.com/klauspost/compress v1.18.4 // indirect
+	github.com/mattn/go-colorable v0.1.14 // indirect
+	github.com/mattn/go-isatty v0.0.20 // indirect
+	github.com/mitchellh/mapstructure v1.5.0 // indirect
+	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
+	github.com/nats-io/nats.go v1.49.0 // indirect
+	github.com/nats-io/nkeys v0.4.15 // indirect
+	github.com/nats-io/nuid v1.0.1 // indirect
+	github.com/prometheus/client_model v0.6.2 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
+	github.com/prometheus/procfs v0.20.1 // indirect
+	github.com/rogpeppe/go-internal v1.12.0 // indirect
+	github.com/tklauser/go-sysconf v0.3.16 // indirect
+	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
+	github.com/xdg-go/scram v1.2.0 // indirect
+	github.com/xdg-go/stringprep v1.0.4 // indirect
+	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
+	go.uber.org/multierr v1.11.0 // indirect
+	go.yaml.in/yaml/v2 v2.4.3 // indirect
+	golang.org/x/crypto v0.48.0 // indirect
+	golang.org/x/net v0.51.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
+	golang.org/x/sys v0.41.0 // indirect
+	golang.org/x/text v0.34.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20260226221140-a57be14db171 // indirect
+)

api/gateway/aurora/go.sum

@@ -0,0 +1,223 @@
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api/gateway/aurora/internal/appversion/version.go

@@ -0,0 +1,27 @@
+package appversion
+
+import (
+	"github.com/tech/sendico/pkg/version"
+	vf "github.com/tech/sendico/pkg/version/factory"
+)
+
+// Build information. Populated at build-time.
+var (
+	Version   string
+	Revision  string
+	Branch    string
+	BuildUser string
+	BuildDate string
+)
+
+func Create() version.Printer {
+	info := version.Info{
+		Program:   "Sendico Aurora Gateway Service",
+		Revision:  Revision,
+		Branch:    Branch,
+		BuildUser: BuildUser,
+		BuildDate: BuildDate,
+		Version:   Version,
+	}
+	return vf.Create(&info)
+}

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

@@ -0,0 +1,604 @@
+package serverimp
+
+import (
+	"context"
+	"errors"
+	"io"
+	"net"
+	"net/http"
+	"os"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/go-chi/chi/v5"
+	"github.com/tech/sendico/gateway/aurora/internal/appversion"
+	auroraservice "github.com/tech/sendico/gateway/aurora/internal/service/gateway"
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/gateway/aurora/storage"
+	gatewaymongo "github.com/tech/sendico/gateway/aurora/storage/mongo"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/db"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	"github.com/tech/sendico/pkg/mlogger"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
+	"github.com/tech/sendico/pkg/server/grpcapp"
+	"go.uber.org/zap"
+	"gopkg.in/yaml.v3"
+)
+
+type Imp struct {
+	logger mlogger.Logger
+	file   string
+	debug  bool
+
+	config  *config
+	app     *grpcapp.App[storage.Repository]
+	http    *http.Server
+	service *auroraservice.Service
+}
+
+type config struct {
+	*grpcapp.Config `yaml:",inline"`
+	Provider        gatewayProviderConfig `yaml:"aurora"`
+	LegacyProvider  gatewayProviderConfig `yaml:"mcards"`
+	Gateway         gatewayConfig         `yaml:"gateway"`
+	HTTP            httpConfig            `yaml:"http"`
+}
+
+type gatewayProviderConfig struct {
+	BaseURL                string   `yaml:"base_url"`
+	BaseURLEnv             string   `yaml:"base_url_env"`
+	ProjectID              int64    `yaml:"project_id"`
+	ProjectIDEnv           string   `yaml:"project_id_env"`
+	SecretKey              string   `yaml:"secret_key"`
+	SecretKeyEnv           string   `yaml:"secret_key_env"`
+	AllowedCurrencies      []string `yaml:"allowed_currencies"`
+	RequireCustomerAddress bool     `yaml:"require_customer_address"`
+	RequestTimeoutSeconds  int      `yaml:"request_timeout_seconds"`
+	StatusSuccess          string   `yaml:"status_success"`
+	StatusProcessing       string   `yaml:"status_processing"`
+	StrictOperationMode    bool     `yaml:"strict_operation_mode"`
+}
+
+type gatewayConfig struct {
+	ID         string       `yaml:"id"`
+	Network    string       `yaml:"network"`
+	Currencies []string     `yaml:"currencies"`
+	IsEnabled  *bool        `yaml:"is_enabled"`
+	Limits     limitsConfig `yaml:"limits"`
+}
+
+type limitsConfig struct {
+	MinAmount      string                       `yaml:"min_amount"`
+	MaxAmount      string                       `yaml:"max_amount"`
+	PerTxMaxFee    string                       `yaml:"per_tx_max_fee"`
+	PerTxMinAmount string                       `yaml:"per_tx_min_amount"`
+	PerTxMaxAmount string                       `yaml:"per_tx_max_amount"`
+	VolumeLimit    map[string]string            `yaml:"volume_limit"`
+	VelocityLimit  map[string]int               `yaml:"velocity_limit"`
+	CurrencyLimits map[string]limitsOverrideCfg `yaml:"currency_limits"`
+}
+
+type limitsOverrideCfg struct {
+	MaxVolume string `yaml:"max_volume"`
+	MinAmount string `yaml:"min_amount"`
+	MaxAmount string `yaml:"max_amount"`
+	MaxFee    string `yaml:"max_fee"`
+	MaxOps    int    `yaml:"max_ops"`
+}
+
+type httpConfig struct {
+	Callback callbackConfig `yaml:"callback"`
+}
+
+type callbackConfig struct {
+	Address      string   `yaml:"address"`
+	Path         string   `yaml:"path"`
+	AllowedCIDRs []string `yaml:"allowed_cidrs"`
+	MaxBodyBytes int64    `yaml:"max_body_bytes"`
+}
+
+// Create initialises the Aurora gateway server implementation.
+func Create(logger mlogger.Logger, file string, debug bool) (*Imp, error) {
+	return &Imp{
+		logger: logger.Named("server"),
+		file:   file,
+		debug:  debug,
+	}, nil
+}
+
+func (i *Imp) Shutdown() {
+	if i.app == nil {
+		return
+	}
+
+	timeout := 15 * time.Second
+	if i.config != nil && i.config.Runtime != nil {
+		timeout = i.config.Runtime.ShutdownTimeout()
+	}
+
+	ctx, cancel := context.WithTimeout(context.Background(), timeout)
+	defer cancel()
+
+	if i.service != nil {
+		i.service.Shutdown()
+	}
+	if i.http != nil {
+		_ = i.http.Shutdown(ctx)
+		i.http = nil
+	}
+
+	i.app.Shutdown(ctx)
+}
+
+func (i *Imp) Start() error {
+	i.logger.Info("Starting Aurora gateway", zap.String("config_file", i.file), zap.Bool("debug", i.debug))
+
+	cfg, err := i.loadConfig()
+	if err != nil {
+		return err
+	}
+	i.config = cfg
+
+	i.logger.Info("Configuration loaded",
+		zap.String("grpc_address", cfg.GRPC.Address),
+		zap.String("metrics_address", cfg.Metrics.Address),
+	)
+
+	providerSection := effectiveProviderConfig(cfg.Provider, cfg.LegacyProvider)
+	providerCfg, err := i.resolveProviderConfig(providerSection)
+	if err != nil {
+		i.logger.Error("Failed to resolve provider configuration", zap.Error(err))
+		return err
+	}
+
+	callbackCfg, err := i.resolveCallbackConfig(cfg.HTTP.Callback)
+	if err != nil {
+		i.logger.Error("Failed to resolve callback configuration", zap.Error(err))
+		return err
+	}
+
+	i.logger.Info("Provider configuration resolved",
+		zap.Bool("base_url_set", strings.TrimSpace(providerCfg.BaseURL) != ""),
+		zap.Int64("project_id", providerCfg.ProjectID),
+		zap.Bool("secret_key_set", strings.TrimSpace(providerCfg.SecretKey) != ""),
+		zap.Int("allowed_currencies", len(providerCfg.AllowedCurrencies)),
+		zap.Bool("require_customer_address", providerCfg.RequireCustomerAddress),
+		zap.Duration("request_timeout", providerCfg.RequestTimeout),
+		zap.String("status_success", providerCfg.SuccessStatus()),
+		zap.String("status_processing", providerCfg.ProcessingStatus()),
+		zap.Bool("strict_operation_mode", providerSection.StrictOperationMode),
+	)
+
+	gatewayDescriptor := resolveGatewayDescriptor(cfg.Gateway, providerCfg)
+	if gatewayDescriptor != nil {
+		i.logger.Info("Gateway descriptor resolved",
+			zap.String("id", gatewayDescriptor.GetId()),
+			zap.String("rail", gatewayDescriptor.GetRail().String()),
+			zap.String("network", gatewayDescriptor.GetNetwork()),
+			zap.Int("currencies", len(gatewayDescriptor.GetCurrencies())),
+			zap.Bool("enabled", gatewayDescriptor.GetIsEnabled()),
+		)
+	}
+
+	i.logger.Info("Callback configuration resolved",
+		zap.String("address", callbackCfg.Address),
+		zap.String("path", callbackCfg.Path),
+		zap.Int("allowed_cidrs", len(callbackCfg.AllowedCIDRs)),
+		zap.Int64("max_body_bytes", callbackCfg.MaxBodyBytes),
+	)
+
+	serviceFactory := func(logger mlogger.Logger, repo storage.Repository, producer msg.Producer) (grpcapp.Service, error) {
+		invokeURI := ""
+		if cfg.GRPC != nil {
+			invokeURI = cfg.GRPC.DiscoveryInvokeURI()
+		}
+		opts := []auroraservice.Option{
+			auroraservice.WithDiscoveryInvokeURI(invokeURI),
+			auroraservice.WithProducer(producer),
+			auroraservice.WithProviderConfig(providerCfg),
+			auroraservice.WithStrictOperationIsolation(providerSection.StrictOperationMode),
+			auroraservice.WithGatewayDescriptor(gatewayDescriptor),
+			auroraservice.WithHTTPClient(&http.Client{Timeout: providerCfg.Timeout()}),
+			auroraservice.WithStorage(repo),
+		}
+		if cfg.Messaging != nil {
+			opts = append(opts, auroraservice.WithMessagingSettings(cfg.Messaging.Settings))
+		}
+		svc := auroraservice.NewService(logger, opts...)
+		i.service = svc
+
+		if err := i.startHTTPCallbackServer(svc, callbackCfg); err != nil {
+			return nil, err
+		}
+
+		return svc, nil
+	}
+
+	repoFactory := func(logger mlogger.Logger, conn *db.MongoConnection) (storage.Repository, error) {
+		return gatewaymongo.New(logger, conn)
+	}
+
+	app, err := grpcapp.NewApp(i.logger, paymenttypes.DefaultCardsGatewayID, cfg.Config, i.debug, repoFactory, serviceFactory)
+	if err != nil {
+		return err
+	}
+	i.app = app
+
+	return i.app.Start()
+}
+
+func (i *Imp) loadConfig() (*config, error) {
+	data, err := os.ReadFile(i.file)
+	if err != nil {
+		i.logger.Error("Could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
+		return nil, err
+	}
+
+	cfg := &config{
+		Config: &grpcapp.Config{},
+	}
+	if err := yaml.Unmarshal(data, cfg); err != nil {
+		i.logger.Error("Failed to parse configuration", zap.Error(err))
+		return nil, err
+	}
+
+	if cfg.Runtime == nil {
+		cfg.Runtime = &grpcapp.RuntimeConfig{ShutdownTimeoutSeconds: 15}
+	}
+
+	if cfg.GRPC == nil {
+		cfg.GRPC = &routers.GRPCConfig{
+			Network:          "tcp",
+			Address:          ":50075",
+			EnableReflection: true,
+			EnableHealth:     true,
+		}
+	}
+
+	if cfg.Metrics == nil {
+		cfg.Metrics = &grpcapp.MetricsConfig{Address: ":9405"}
+	}
+
+	return cfg, nil
+}
+
+func effectiveProviderConfig(primary, legacy gatewayProviderConfig) gatewayProviderConfig {
+	if hasProviderConfig(primary) {
+		return primary
+	}
+	return legacy
+}
+
+func hasProviderConfig(cfg gatewayProviderConfig) bool {
+	return strings.TrimSpace(cfg.BaseURL) != "" ||
+		strings.TrimSpace(cfg.BaseURLEnv) != "" ||
+		cfg.ProjectID != 0 ||
+		strings.TrimSpace(cfg.ProjectIDEnv) != "" ||
+		strings.TrimSpace(cfg.SecretKey) != "" ||
+		strings.TrimSpace(cfg.SecretKeyEnv) != "" ||
+		len(cfg.AllowedCurrencies) > 0 ||
+		cfg.RequireCustomerAddress ||
+		cfg.RequestTimeoutSeconds != 0 ||
+		strings.TrimSpace(cfg.StatusSuccess) != "" ||
+		strings.TrimSpace(cfg.StatusProcessing) != "" ||
+		cfg.StrictOperationMode
+}
+
+func (i *Imp) resolveProviderConfig(cfg gatewayProviderConfig) (provider.Config, error) {
+	baseURL := strings.TrimSpace(cfg.BaseURL)
+	if env := strings.TrimSpace(cfg.BaseURLEnv); env != "" {
+		if val := strings.TrimSpace(os.Getenv(env)); val != "" {
+			baseURL = val
+		}
+	}
+
+	projectID := cfg.ProjectID
+	if projectID == 0 && strings.TrimSpace(cfg.ProjectIDEnv) != "" {
+		raw := strings.TrimSpace(os.Getenv(cfg.ProjectIDEnv))
+		if raw != "" {
+			if id, err := strconv.ParseInt(raw, 10, 64); err == nil {
+				projectID = id
+			} else {
+				return provider.Config{}, merrors.InvalidArgument("invalid project id in env "+cfg.ProjectIDEnv, "aurora.project_id")
+			}
+		}
+	}
+
+	secret := strings.TrimSpace(cfg.SecretKey)
+	if env := strings.TrimSpace(cfg.SecretKeyEnv); env != "" {
+		if val := strings.TrimSpace(os.Getenv(env)); val != "" {
+			secret = val
+		}
+	}
+
+	timeout := time.Duration(cfg.RequestTimeoutSeconds) * time.Second
+	if timeout <= 0 {
+		timeout = 15 * time.Second
+	}
+
+	statusSuccess := strings.TrimSpace(cfg.StatusSuccess)
+	statusProcessing := strings.TrimSpace(cfg.StatusProcessing)
+
+	return provider.Config{
+		BaseURL:                baseURL,
+		ProjectID:              projectID,
+		SecretKey:              secret,
+		AllowedCurrencies:      cfg.AllowedCurrencies,
+		RequireCustomerAddress: cfg.RequireCustomerAddress,
+		RequestTimeout:         timeout,
+		StatusSuccess:          statusSuccess,
+		StatusProcessing:       statusProcessing,
+	}, nil
+}
+
+func resolveGatewayDescriptor(cfg gatewayConfig, providerCfg provider.Config) *gatewayv1.GatewayInstanceDescriptor {
+	id := strings.TrimSpace(cfg.ID)
+	if id == "" {
+		id = paymenttypes.DefaultCardsGatewayID
+	}
+
+	network := strings.ToUpper(strings.TrimSpace(cfg.Network))
+	currencies := normalizeCurrencies(cfg.Currencies)
+	if len(currencies) == 0 {
+		currencies = normalizeCurrencies(providerCfg.AllowedCurrencies)
+	}
+
+	enabled := true
+	if cfg.IsEnabled != nil {
+		enabled = *cfg.IsEnabled
+	}
+
+	limits := buildGatewayLimits(cfg.Limits)
+	if limits == nil {
+		limits = &gatewayv1.Limits{MinAmount: "0"}
+	}
+
+	version := strings.TrimSpace(appversion.Version)
+
+	return &gatewayv1.GatewayInstanceDescriptor{
+		Id:         id,
+		Rail:       gatewayv1.Rail_RAIL_CARD,
+		Network:    network,
+		Currencies: currencies,
+		Capabilities: &gatewayv1.RailCapabilities{
+			CanPayOut:              true,
+			CanPayIn:               false,
+			CanReadBalance:         false,
+			CanSendFee:             false,
+			RequiresObserveConfirm: true,
+		},
+		Limits:    limits,
+		Version:   version,
+		IsEnabled: enabled,
+	}
+}
+
+func normalizeCurrencies(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	seen := map[string]bool{}
+	result := make([]string, 0, len(values))
+	for _, value := range values {
+		clean := strings.ToUpper(strings.TrimSpace(value))
+		if clean == "" || seen[clean] {
+			continue
+		}
+		seen[clean] = true
+		result = append(result, clean)
+	}
+	return result
+}
+
+func buildGatewayLimits(cfg limitsConfig) *gatewayv1.Limits {
+	hasValue := strings.TrimSpace(cfg.MinAmount) != "" ||
+		strings.TrimSpace(cfg.MaxAmount) != "" ||
+		strings.TrimSpace(cfg.PerTxMaxFee) != "" ||
+		strings.TrimSpace(cfg.PerTxMinAmount) != "" ||
+		strings.TrimSpace(cfg.PerTxMaxAmount) != "" ||
+		len(cfg.VolumeLimit) > 0 ||
+		len(cfg.VelocityLimit) > 0 ||
+		len(cfg.CurrencyLimits) > 0
+	if !hasValue {
+		return nil
+	}
+
+	limits := &gatewayv1.Limits{
+		MinAmount:      strings.TrimSpace(cfg.MinAmount),
+		MaxAmount:      strings.TrimSpace(cfg.MaxAmount),
+		PerTxMaxFee:    strings.TrimSpace(cfg.PerTxMaxFee),
+		PerTxMinAmount: strings.TrimSpace(cfg.PerTxMinAmount),
+		PerTxMaxAmount: strings.TrimSpace(cfg.PerTxMaxAmount),
+	}
+
+	if len(cfg.VolumeLimit) > 0 {
+		limits.VolumeLimit = map[string]string{}
+		for key, value := range cfg.VolumeLimit {
+			bucket := strings.TrimSpace(key)
+			amount := strings.TrimSpace(value)
+			if bucket == "" || amount == "" {
+				continue
+			}
+			limits.VolumeLimit[bucket] = amount
+		}
+	}
+
+	if len(cfg.VelocityLimit) > 0 {
+		limits.VelocityLimit = map[string]int32{}
+		for key, value := range cfg.VelocityLimit {
+			bucket := strings.TrimSpace(key)
+			if bucket == "" {
+				continue
+			}
+			limits.VelocityLimit[bucket] = int32(value)
+		}
+	}
+
+	if len(cfg.CurrencyLimits) > 0 {
+		limits.CurrencyLimits = map[string]*gatewayv1.LimitsOverride{}
+		for key, override := range cfg.CurrencyLimits {
+			currency := strings.ToUpper(strings.TrimSpace(key))
+			if currency == "" {
+				continue
+			}
+			limits.CurrencyLimits[currency] = &gatewayv1.LimitsOverride{
+				MaxVolume: strings.TrimSpace(override.MaxVolume),
+				MinAmount: strings.TrimSpace(override.MinAmount),
+				MaxAmount: strings.TrimSpace(override.MaxAmount),
+				MaxFee:    strings.TrimSpace(override.MaxFee),
+				MaxOps:    int32(override.MaxOps),
+			}
+		}
+	}
+
+	return limits
+}
+
+type callbackRuntimeConfig struct {
+	Address      string
+	Path         string
+	AllowedCIDRs []*net.IPNet
+	MaxBodyBytes int64
+}
+
+func (i *Imp) resolveCallbackConfig(cfg callbackConfig) (callbackRuntimeConfig, error) {
+	addr := strings.TrimSpace(cfg.Address)
+	if addr == "" {
+		addr = ":8084"
+	}
+	path := strings.TrimSpace(cfg.Path)
+	if path == "" {
+		path = "/" + paymenttypes.DefaultCardsGatewayID + "/callback"
+	}
+	maxBody := cfg.MaxBodyBytes
+	if maxBody <= 0 {
+		maxBody = 1 << 20 // 1MB
+	}
+
+	var cidrs []*net.IPNet
+	for _, raw := range cfg.AllowedCIDRs {
+		clean := strings.TrimSpace(raw)
+		if clean == "" {
+			continue
+		}
+		_, block, err := net.ParseCIDR(clean)
+		if err != nil {
+			i.logger.Warn("Invalid callback allowlist CIDR skipped", zap.String("cidr", clean), zap.Error(err))
+			continue
+		}
+		cidrs = append(cidrs, block)
+	}
+
+	return callbackRuntimeConfig{
+		Address:      addr,
+		Path:         path,
+		AllowedCIDRs: cidrs,
+		MaxBodyBytes: maxBody,
+	}, nil
+}
+
+func (i *Imp) startHTTPCallbackServer(svc *auroraservice.Service, cfg callbackRuntimeConfig) error {
+	if svc == nil {
+		return merrors.InvalidArgument("nil service provided for callback server")
+	}
+	if strings.TrimSpace(cfg.Address) == "" {
+		i.logger.Info("Aurora callback server disabled: address is empty")
+		return nil
+	}
+
+	router := chi.NewRouter()
+	router.Post(cfg.Path, func(w http.ResponseWriter, r *http.Request) {
+		log := i.logger.Named("callback_http")
+		log.Debug("Callback request received",
+			zap.String("remote_addr", strings.TrimSpace(r.RemoteAddr)),
+			zap.String("path", r.URL.Path),
+			zap.String("method", r.Method),
+		)
+
+		if len(cfg.AllowedCIDRs) > 0 && !clientAllowed(r, cfg.AllowedCIDRs) {
+			ip := clientIPFromRequest(r)
+			remoteIP := ""
+			if ip != nil {
+				remoteIP = ip.String()
+			}
+			log.Warn("Callback rejected by CIDR allowlist", zap.String("remote_ip", remoteIP))
+			http.Error(w, "forbidden", http.StatusForbidden)
+			return
+		}
+		body, err := io.ReadAll(io.LimitReader(r.Body, cfg.MaxBodyBytes))
+		if err != nil {
+			log.Warn("Callback body read failed", zap.Error(err))
+			http.Error(w, "failed to read body", http.StatusBadRequest)
+			return
+		}
+		status, err := svc.ProcessProviderCallback(r.Context(), body)
+		if err != nil {
+			log.Warn("Callback processing failed", zap.Error(err), zap.Int("status", status))
+			http.Error(w, err.Error(), status)
+			return
+		}
+		log.Debug("Callback processed", zap.Int("status", status))
+		w.WriteHeader(status)
+	})
+
+	server := &http.Server{
+		Addr:    cfg.Address,
+		Handler: router,
+	}
+
+	ln, err := net.Listen("tcp", cfg.Address)
+	if err != nil {
+		return err
+	}
+
+	i.http = server
+
+	go func() {
+		if err := server.Serve(ln); err != nil && !errors.Is(err, http.ErrServerClosed) {
+			i.logger.Warn("Aurora callback server stopped with error", zap.Error(err))
+		}
+	}()
+
+	i.logger.Info("Aurora callback server listening", zap.String("address", cfg.Address), zap.String("path", cfg.Path))
+	return nil
+}
+
+func clientAllowed(r *http.Request, cidrs []*net.IPNet) bool {
+	if len(cidrs) == 0 {
+		return true
+	}
+
+	host := clientIPFromRequest(r)
+	if host == nil {
+		return false
+	}
+	for _, block := range cidrs {
+		if block.Contains(host) {
+			return true
+		}
+	}
+	return false
+}
+
+func clientIPFromRequest(r *http.Request) net.IP {
+	if r == nil {
+		return nil
+	}
+	if xfwd := strings.TrimSpace(r.Header.Get("X-Forwarded-For")); xfwd != "" {
+		parts := strings.Split(xfwd, ",")
+		if len(parts) > 0 {
+			if ip := net.ParseIP(strings.TrimSpace(parts[0])); ip != nil {
+				return ip
+			}
+		}
+	}
+	host, _, err := net.SplitHostPort(r.RemoteAddr)
+	if err != nil {
+		return nil
+	}
+	return net.ParseIP(host)
+}

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

@@ -0,0 +1,87 @@
+package serverimp
+
+import (
+	"net"
+	"net/http"
+	"testing"
+)
+
+func TestEffectiveProviderConfig(t *testing.T) {
+	primary := gatewayProviderConfig{
+		BaseURL:             "https://aurora.local",
+		StrictOperationMode: true,
+	}
+	legacy := gatewayProviderConfig{
+		BaseURL:             "https://legacy.local",
+		StrictOperationMode: false,
+	}
+
+	got := effectiveProviderConfig(primary, legacy)
+	if got.BaseURL != primary.BaseURL {
+		t.Fatalf("expected primary provider config to be selected, got %q", got.BaseURL)
+	}
+	if !got.StrictOperationMode {
+		t.Fatalf("expected strict operation mode from primary config")
+	}
+}
+
+func TestEffectiveProviderConfig_FallsBackToLegacy(t *testing.T) {
+	primary := gatewayProviderConfig{}
+	legacy := gatewayProviderConfig{
+		BaseURL:             "https://legacy.local",
+		StrictOperationMode: true,
+	}
+
+	got := effectiveProviderConfig(primary, legacy)
+	if got.BaseURL != legacy.BaseURL {
+		t.Fatalf("expected legacy provider config to be selected, got %q", got.BaseURL)
+	}
+	if !got.StrictOperationMode {
+		t.Fatalf("expected strict operation mode from legacy config")
+	}
+}
+
+func TestClientIPFromRequest(t *testing.T) {
+	req := &http.Request{
+		Header:     http.Header{"X-Forwarded-For": []string{"1.2.3.4, 5.6.7.8"}},
+		RemoteAddr: "9.8.7.6:1234",
+	}
+	ip := clientIPFromRequest(req)
+	if ip == nil || ip.String() != "1.2.3.4" {
+		t.Fatalf("expected forwarded ip, got %v", ip)
+	}
+
+	req = &http.Request{RemoteAddr: "9.8.7.6:1234"}
+	ip = clientIPFromRequest(req)
+	if ip == nil || ip.String() != "9.8.7.6" {
+		t.Fatalf("expected remote addr ip, got %v", ip)
+	}
+
+	req = &http.Request{RemoteAddr: "invalid"}
+	ip = clientIPFromRequest(req)
+	if ip != nil {
+		t.Fatalf("expected nil ip, got %v", ip)
+	}
+}
+
+func TestClientAllowed(t *testing.T) {
+	_, cidr, err := net.ParseCIDR("10.0.0.0/8")
+	if err != nil {
+		t.Fatalf("failed to parse cidr: %v", err)
+	}
+
+	allowedReq := &http.Request{RemoteAddr: "10.1.2.3:1234"}
+	if !clientAllowed(allowedReq, []*net.IPNet{cidr}) {
+		t.Fatalf("expected allowed request")
+	}
+
+	deniedReq := &http.Request{RemoteAddr: "8.8.8.8:1234"}
+	if clientAllowed(deniedReq, []*net.IPNet{cidr}) {
+		t.Fatalf("expected denied request")
+	}
+
+	openReq := &http.Request{RemoteAddr: "8.8.8.8:1234"}
+	if !clientAllowed(openReq, nil) {
+		t.Fatalf("expected allow when no cidrs are configured")
+	}
+}

api/gateway/aurora/internal/server/server.go

@@ -0,0 +1,12 @@
+package server
+
+import (
+	serverimp "github.com/tech/sendico/gateway/aurora/internal/server/internal"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+)
+
+// Create constructs the Aurora gateway server implementation.
+func Create(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return serverimp.Create(logger, file, debug)
+}

api/gateway/aurora/internal/service/gateway/aurora_scenarios_test.go

@@ -0,0 +1,321 @@
+package gateway
+
+import (
+	"context"
+	"strings"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+)
+
+func TestAuroraCardPayoutScenarios(t *testing.T) {
+	cfg := provider.Config{
+		ProjectID:         1001,
+		AllowedCurrencies: []string{"RUB"},
+	}
+	now := time.Date(2026, 3, 5, 10, 0, 0, 0, time.UTC)
+	repo := newMockRepository()
+	processor := newCardPayoutProcessor(zap.NewNop(), cfg, staticClock{now: now}, repo, nil, nil)
+	processor.dispatchThrottleInterval = 0
+
+	tests := []struct {
+		name              string
+		pan               string
+		wantAccepted      bool
+		wantStatus        mntxv1.PayoutStatus
+		wantErrorCode     string
+		wantProviderCode  string
+		wantProviderMatch string
+	}{
+		{
+			name:              "approved_instant",
+			pan:               "2200001111111111",
+			wantAccepted:      true,
+			wantStatus:        mntxv1.PayoutStatus_PAYOUT_STATUS_SUCCESS,
+			wantErrorCode:     "00",
+			wantProviderCode:  "00",
+			wantProviderMatch: "Approved",
+		},
+		{
+			name:              "pending_issuer_review",
+			pan:               "2200002222222222",
+			wantAccepted:      true,
+			wantStatus:        mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING,
+			wantErrorCode:     "P01",
+			wantProviderCode:  "P01",
+			wantProviderMatch: "Pending issuer review",
+		},
+		{
+			name:              "insufficient_funds",
+			pan:               "2200003333333333",
+			wantAccepted:      false,
+			wantStatus:        mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED,
+			wantErrorCode:     "51",
+			wantProviderCode:  "51",
+			wantProviderMatch: "Insufficient funds",
+		},
+		{
+			name:              "unknown_card_default_queue",
+			pan:               "2200009999999999",
+			wantAccepted:      true,
+			wantStatus:        mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING,
+			wantErrorCode:     "P00",
+			wantProviderCode:  "P00",
+			wantProviderMatch: "Queued for provider processing",
+		},
+		{
+			name:              "provider_maintenance",
+			pan:               "2200009999999997",
+			wantAccepted:      false,
+			wantStatus:        mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED,
+			wantErrorCode:     "91",
+			wantProviderCode:  "91",
+			wantProviderMatch: "inoperative",
+		},
+		{
+			name:              "provider_system_malfunction",
+			pan:               "2200009999999996",
+			wantAccepted:      false,
+			wantStatus:        mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED,
+			wantErrorCode:     "96",
+			wantProviderCode:  "96",
+			wantProviderMatch: "System malfunction",
+		},
+	}
+
+	for _, tc := range tests {
+		t.Run(tc.name, func(t *testing.T) {
+			req := validCardPayoutRequest()
+			req.PayoutId = ""
+			req.OperationRef = "op-" + tc.name
+			req.ParentPaymentRef = "parent-" + tc.name
+			req.IdempotencyKey = "idem-" + tc.name
+			req.CardPan = tc.pan
+
+			resp, err := processor.Submit(context.Background(), req)
+			if err != nil {
+				t.Fatalf("submit failed: %v", err)
+			}
+			if got, want := resp.GetAccepted(), tc.wantAccepted; got != want {
+				t.Fatalf("accepted mismatch: got=%v want=%v", got, want)
+			}
+			if got, want := resp.GetPayout().GetStatus(), tc.wantStatus; got != want {
+				t.Fatalf("status mismatch: got=%v want=%v", got, want)
+			}
+			if got, want := strings.TrimSpace(resp.GetErrorCode()), tc.wantErrorCode; got != want {
+				t.Fatalf("error_code mismatch: got=%q want=%q", got, want)
+			}
+
+			state, ok := repo.payouts.Get(req.GetOperationRef())
+			if !ok || state == nil {
+				t.Fatalf("expected persisted payout state")
+			}
+			if got, want := strings.TrimSpace(state.ProviderCode), tc.wantProviderCode; got != want {
+				t.Fatalf("provider_code mismatch: got=%q want=%q", got, want)
+			}
+			if tc.wantProviderMatch != "" && !strings.Contains(state.ProviderMessage, tc.wantProviderMatch) {
+				t.Fatalf("provider_message mismatch: got=%q expected to contain %q", state.ProviderMessage, tc.wantProviderMatch)
+			}
+		})
+	}
+}
+
+func TestAuroraTransportFailureScenarioEventuallyFails(t *testing.T) {
+	cfg := provider.Config{
+		ProjectID:         1001,
+		AllowedCurrencies: []string{"RUB"},
+	}
+	repo := newMockRepository()
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 5, 10, 0, 0, 0, time.UTC)},
+		repo,
+		nil,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+	processor.dispatchMaxAttempts = 2
+	processor.retryDelayFn = func(uint32) time.Duration { return time.Millisecond }
+
+	req := validCardPayoutRequest()
+	req.PayoutId = ""
+	req.OperationRef = "op-transport-timeout"
+	req.ParentPaymentRef = "parent-transport-timeout"
+	req.IdempotencyKey = "idem-transport-timeout"
+	req.CardPan = "2200008888888888"
+
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("submit failed: %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted response while transport retry is scheduled")
+	}
+	if got, want := resp.GetPayout().GetStatus(), mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING; got != want {
+		t.Fatalf("initial status mismatch: got=%v want=%v", got, want)
+	}
+
+	deadline := time.Now().Add(2 * time.Second)
+	for {
+		state, ok := repo.payouts.Get(req.GetOperationRef())
+		if ok && state != nil && state.Status == model.PayoutStatusFailed {
+			if !strings.Contains(strings.ToLower(state.FailureReason), "transport error") {
+				t.Fatalf("expected transport failure reason, got=%q", state.FailureReason)
+			}
+			break
+		}
+		if time.Now().After(deadline) {
+			t.Fatalf("timeout waiting for transport failure terminal state")
+		}
+		time.Sleep(10 * time.Millisecond)
+	}
+}
+
+func TestAuroraRetryableScenarioEventuallyFails(t *testing.T) {
+	cfg := provider.Config{
+		ProjectID:         1001,
+		AllowedCurrencies: []string{"RUB"},
+	}
+	repo := newMockRepository()
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 5, 10, 0, 0, 0, time.UTC)},
+		repo,
+		nil,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+	processor.dispatchMaxAttempts = 2
+	processor.retryDelayFn = func(uint32) time.Duration { return time.Millisecond }
+
+	req := validCardPayoutRequest()
+	req.PayoutId = ""
+	req.OperationRef = "op-retryable-issuer-unavailable"
+	req.ParentPaymentRef = "parent-retryable-issuer-unavailable"
+	req.IdempotencyKey = "idem-retryable-issuer-unavailable"
+	req.CardPan = "2200004444444444"
+
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("submit failed: %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted response while retry is scheduled")
+	}
+	if got, want := resp.GetPayout().GetStatus(), mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING; got != want {
+		t.Fatalf("initial status mismatch: got=%v want=%v", got, want)
+	}
+
+	deadline := time.Now().Add(2 * time.Second)
+	for {
+		state, ok := repo.payouts.Get(req.GetOperationRef())
+		if ok && state != nil && state.Status == model.PayoutStatusFailed {
+			if !strings.Contains(state.FailureReason, "10101") {
+				t.Fatalf("expected retryable provider code in failure_reason, got=%q", state.FailureReason)
+			}
+			break
+		}
+		if time.Now().After(deadline) {
+			t.Fatalf("timeout waiting for retryable scenario terminal failure")
+		}
+		time.Sleep(10 * time.Millisecond)
+	}
+}
+
+func TestAuroraTokenPayoutUsesTokenizedPANScenario(t *testing.T) {
+	cfg := provider.Config{
+		ProjectID:         1001,
+		AllowedCurrencies: []string{"RUB", "USD"},
+	}
+	repo := newMockRepository()
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 5, 10, 0, 0, 0, time.UTC)},
+		repo,
+		nil,
+		nil,
+	)
+	processor.dispatchThrottleInterval = 0
+
+	tokenizeReq := validCardTokenizeRequest()
+	tokenizeReq.RequestId = "tok-req-insufficient"
+	tokenizeReq.CardPan = "2200003333333333"
+
+	tokenizeResp, err := processor.Tokenize(context.Background(), tokenizeReq)
+	if err != nil {
+		t.Fatalf("tokenize failed: %v", err)
+	}
+	if tokenizeResp.GetToken() == "" {
+		t.Fatalf("expected non-empty token")
+	}
+
+	payoutReq := validCardTokenPayoutRequest()
+	payoutReq.PayoutId = ""
+	payoutReq.OperationRef = "op-token-insufficient"
+	payoutReq.ParentPaymentRef = "parent-token-insufficient"
+	payoutReq.IdempotencyKey = "idem-token-insufficient"
+	payoutReq.CardToken = tokenizeResp.GetToken()
+	payoutReq.MaskedPan = tokenizeResp.GetMaskedPan()
+
+	resp, err := processor.SubmitToken(context.Background(), payoutReq)
+	if err != nil {
+		t.Fatalf("submit token payout failed: %v", err)
+	}
+	if resp.GetAccepted() {
+		t.Fatalf("expected declined payout for insufficient funds token scenario")
+	}
+	if got, want := resp.GetErrorCode(), "51"; got != want {
+		t.Fatalf("error_code mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := resp.GetPayout().GetStatus(), mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED; got != want {
+		t.Fatalf("status mismatch: got=%v want=%v", got, want)
+	}
+}
+
+func TestAuroraTokenPayoutFallsBackToMaskedPANScenario(t *testing.T) {
+	cfg := provider.Config{
+		ProjectID:         1001,
+		AllowedCurrencies: []string{"RUB", "USD"},
+	}
+	repo := newMockRepository()
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 5, 10, 0, 0, 0, time.UTC)},
+		repo,
+		nil,
+		nil,
+	)
+	processor.dispatchThrottleInterval = 0
+
+	req := validCardTokenPayoutRequest()
+	req.PayoutId = ""
+	req.OperationRef = "op-token-masked-fallback"
+	req.ParentPaymentRef = "parent-token-masked-fallback"
+	req.IdempotencyKey = "idem-token-masked-fallback"
+	req.CardToken = "unknown-token"
+	req.MaskedPan = "220000******6666"
+
+	resp, err := processor.SubmitToken(context.Background(), req)
+	if err != nil {
+		t.Fatalf("submit token payout failed: %v", err)
+	}
+	if resp.GetAccepted() {
+		t.Fatalf("expected declined payout for masked-pan fallback scenario")
+	}
+	if got, want := resp.GetErrorCode(), "05"; got != want {
+		t.Fatalf("error_code mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := resp.GetPayout().GetStatus(), mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED; got != want {
+		t.Fatalf("status mismatch: got=%v want=%v", got, want)
+	}
+}

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

@@ -0,0 +1,177 @@
+package gateway
+
+import (
+	"bytes"
+	"context"
+	"crypto/hmac"
+	"encoding/json"
+	"net/http"
+	"strings"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+type callbackPayment struct {
+	ID          string `json:"id"`
+	Type        string `json:"type"`
+	Status      string `json:"status"`
+	Date        string `json:"date"`
+	Method      string `json:"method"`
+	Description string `json:"description"`
+	Sum         struct {
+		Amount   int64  `json:"amount"`
+		Currency string `json:"currency"`
+	} `json:"sum"`
+}
+
+type callbackOperation struct {
+	ID          int64  `json:"id"`
+	Type        string `json:"type"`
+	Status      string `json:"status"`
+	Date        string `json:"date"`
+	CreatedDate string `json:"created_date"`
+	RequestID   string `json:"request_id"`
+	SumInitial  struct {
+		Amount   int64  `json:"amount"`
+		Currency string `json:"currency"`
+	} `json:"sum_initial"`
+	SumConverted struct {
+		Amount   int64  `json:"amount"`
+		Currency string `json:"currency"`
+	} `json:"sum_converted"`
+	Provider struct {
+		ID         int64  `json:"id"`
+		PaymentID  string `json:"payment_id"`
+		AuthCode   string `json:"auth_code"`
+		EndpointID int64  `json:"endpoint_id"`
+		Date       string `json:"date"`
+	} `json:"provider"`
+	Code    string `json:"code"`
+	Message string `json:"message"`
+}
+
+type providerCallback struct {
+	ProjectID int64           `json:"project_id"`
+	Payment   callbackPayment `json:"payment"`
+	Account   struct {
+		Number      string `json:"number"`
+		Type        string `json:"type"`
+		CardHolder  string `json:"card_holder"`
+		ExpiryMonth string `json:"expiry_month"`
+		ExpiryYear  string `json:"expiry_year"`
+	} `json:"account"`
+	Customer struct {
+		ID string `json:"id"`
+	} `json:"customer"`
+	Operation callbackOperation `json:"operation"`
+	Signature string            `json:"signature"`
+}
+
+// ProcessProviderCallback ingests provider callbacks and updates payout state.
+func (s *Service) ProcessProviderCallback(ctx context.Context, payload []byte) (int, error) {
+	log := s.logger.Named("callback")
+	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
+		return http.StatusInternalServerError, merrors.Internal("card payout processor not initialised")
+	}
+	log.Debug("Callback processing requested", zap.Int("payload_bytes", len(payload)))
+	return s.card.ProcessCallback(ctx, payload)
+}
+
+func mapCallbackToState(clock clockpkg.Clock, cfg provider.Config, cb providerCallback) (*mntxv1.CardPayoutState, string) {
+	status := strings.ToLower(strings.TrimSpace(cb.Payment.Status))
+	opStatus := strings.ToLower(strings.TrimSpace(cb.Operation.Status))
+	code := strings.TrimSpace(cb.Operation.Code)
+
+	outcome := provider.OutcomeDecline
+	internalStatus := mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+
+	if status == cfg.SuccessStatus() && opStatus == cfg.SuccessStatus() && (code == "" || code == "0") {
+		internalStatus = mntxv1.PayoutStatus_PAYOUT_STATUS_SUCCESS
+		outcome = provider.OutcomeSuccess
+	} else if status == cfg.ProcessingStatus() || opStatus == cfg.ProcessingStatus() {
+		internalStatus = mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING
+		outcome = provider.OutcomeProcessing
+	}
+
+	now := timestamppb.New(clock.Now())
+	state := &mntxv1.CardPayoutState{
+		PayoutId:          cb.Payment.ID,
+		ProjectId:         cb.ProjectID,
+		CustomerId:        cb.Customer.ID,
+		AmountMinor:       cb.Payment.Sum.Amount,
+		Currency:          strings.ToUpper(strings.TrimSpace(cb.Payment.Sum.Currency)),
+		Status:            internalStatus,
+		ProviderCode:      cb.Operation.Code,
+		ProviderMessage:   cb.Operation.Message,
+		ProviderPaymentId: fallbackProviderPaymentID(cb),
+		OperationRef:      strings.TrimSpace(cb.Payment.ID),
+		UpdatedAt:         now,
+		CreatedAt:         now,
+	}
+
+	return state, outcome
+}
+
+func fallbackProviderPaymentID(cb providerCallback) string {
+	if cb.Operation.Provider.PaymentID != "" {
+		return cb.Operation.Provider.PaymentID
+	}
+	if cb.Operation.RequestID != "" {
+		return cb.Operation.RequestID
+	}
+	return cb.Payment.ID
+}
+
+func verifyCallbackSignature(payload []byte, secret string) (string, error) {
+	root, err := decodeCallbackPayload(payload)
+	if err != nil {
+		return "", err
+	}
+	signature, ok := signatureFromPayload(root)
+	if !ok || strings.TrimSpace(signature) == "" {
+		return "", merrors.InvalidArgument("signature is missing")
+	}
+	calculated, err := provider.SignPayload(root, secret)
+	if err != nil {
+		return signature, err
+	}
+	if subtleConstantTimeCompare(signature, calculated) {
+		return signature, nil
+	}
+	return signature, merrors.DataConflict("signature mismatch")
+}
+
+func decodeCallbackPayload(payload []byte) (any, error) {
+	var root any
+	decoder := json.NewDecoder(bytes.NewReader(payload))
+	decoder.UseNumber()
+	if err := decoder.Decode(&root); err != nil {
+		return nil, err
+	}
+	return root, nil
+}
+
+func signatureFromPayload(root any) (string, bool) {
+	payload, ok := root.(map[string]any)
+	if !ok {
+		return "", false
+	}
+	for key, value := range payload {
+		if !strings.EqualFold(key, "signature") {
+			continue
+		}
+		signature, ok := value.(string)
+		return signature, ok
+	}
+	return "", false
+}
+
+func subtleConstantTimeCompare(a, b string) bool {
+	return hmac.Equal([]byte(strings.TrimSpace(a)), []byte(strings.TrimSpace(b)))
+}

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

@@ -0,0 +1,139 @@
+package gateway
+
+import (
+	"encoding/json"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+type fixedClock struct {
+	now time.Time
+}
+
+func (f fixedClock) Now() time.Time {
+	return f.now
+}
+
+func baseCallback() providerCallback {
+	cb := providerCallback{
+		ProjectID: 42,
+	}
+	cb.Payment.ID = "payout-1"
+	cb.Payment.Status = "success"
+	cb.Payment.Sum.Amount = 5000
+	cb.Payment.Sum.Currency = "usd"
+	cb.Customer.ID = "cust-1"
+	cb.Operation.Status = "success"
+	cb.Operation.Code = ""
+	cb.Operation.Message = "ok"
+	cb.Operation.RequestID = "req-1"
+	cb.Operation.Provider.PaymentID = "prov-1"
+	return cb
+}
+
+func TestMapCallbackToState_StatusMapping(t *testing.T) {
+	now := time.Date(2024, 1, 2, 3, 4, 5, 0, time.UTC)
+	cfg := provider.DefaultConfig()
+
+	cases := []struct {
+		name            string
+		paymentStatus   string
+		operationStatus string
+		code            string
+		expectedStatus  mntxv1.PayoutStatus
+		expectedOutcome string
+	}{
+		{
+			name:            "success",
+			paymentStatus:   "success",
+			operationStatus: "success",
+			code:            "0",
+			expectedStatus:  mntxv1.PayoutStatus_PAYOUT_STATUS_SUCCESS,
+			expectedOutcome: provider.OutcomeSuccess,
+		},
+		{
+			name:            "processing",
+			paymentStatus:   "processing",
+			operationStatus: "success",
+			code:            "",
+			expectedStatus:  mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING,
+			expectedOutcome: provider.OutcomeProcessing,
+		},
+		{
+			name:            "decline",
+			paymentStatus:   "failed",
+			operationStatus: "failed",
+			code:            "1",
+			expectedStatus:  mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED,
+			expectedOutcome: provider.OutcomeDecline,
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			cb := baseCallback()
+			cb.Payment.Status = tc.paymentStatus
+			cb.Operation.Status = tc.operationStatus
+			cb.Operation.Code = tc.code
+
+			state, outcome := mapCallbackToState(fixedClock{now: now}, cfg, cb)
+			if state.Status != tc.expectedStatus {
+				t.Fatalf("expected status %v, got %v", tc.expectedStatus, state.Status)
+			}
+			if outcome != tc.expectedOutcome {
+				t.Fatalf("expected outcome %q, got %q", tc.expectedOutcome, outcome)
+			}
+			if state.Currency != "USD" {
+				t.Fatalf("expected currency USD, got %q", state.Currency)
+			}
+			if !state.UpdatedAt.AsTime().Equal(now) {
+				t.Fatalf("expected updated_at %v, got %v", now, state.UpdatedAt.AsTime())
+			}
+		})
+	}
+}
+
+func TestFallbackProviderPaymentID(t *testing.T) {
+	cb := baseCallback()
+	if got := fallbackProviderPaymentID(cb); got != "prov-1" {
+		t.Fatalf("expected provider payment id, got %q", got)
+	}
+	cb.Operation.Provider.PaymentID = ""
+	if got := fallbackProviderPaymentID(cb); got != "req-1" {
+		t.Fatalf("expected request id fallback, got %q", got)
+	}
+	cb.Operation.RequestID = ""
+	if got := fallbackProviderPaymentID(cb); got != "payout-1" {
+		t.Fatalf("expected payment id fallback, got %q", got)
+	}
+}
+
+func TestVerifyCallbackSignature(t *testing.T) {
+	secret := "secret"
+	cb := baseCallback()
+
+	sig, err := provider.SignPayload(cb, secret)
+	if err != nil {
+		t.Fatalf("failed to sign payload: %v", err)
+	}
+	cb.Signature = sig
+	payload, err := json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+	if _, err := verifyCallbackSignature(payload, secret); err != nil {
+		t.Fatalf("expected valid signature, got %v", err)
+	}
+
+	cb.Signature = "invalid"
+	payload, err = json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+	if _, err := verifyCallbackSignature(payload, secret); err == nil {
+		t.Fatalf("expected signature mismatch error")
+	}
+}

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

@@ -0,0 +1,207 @@
+package gateway
+
+import (
+	"context"
+	"strings"
+
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+	"google.golang.org/protobuf/proto"
+)
+
+func (s *Service) CreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+	return executeUnary(ctx, s, "CreateCardPayout", s.handleCreateCardPayout, req)
+}
+
+func (s *Service) handleCreateCardPayout(ctx context.Context, req *mntxv1.CardPayoutRequest) gsresponse.Responder[mntxv1.CardPayoutResponse] {
+	log := s.logger.Named("card_payout")
+	log.Info("Create card payout request received",
+		zap.String("payout_id", strings.TrimSpace(req.GetPayoutId())),
+		zap.String("operation_ref", strings.TrimSpace(req.GetOperationRef())),
+		zap.String("parent_payment_ref", strings.TrimSpace(req.GetParentPaymentRef())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+		zap.Int64("amount_minor", req.GetAmountMinor()),
+		zap.String("currency", strings.ToUpper(strings.TrimSpace(req.GetCurrency()))),
+	)
+	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
+		return gsresponse.Internal[mntxv1.CardPayoutResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
+	}
+
+	resp, err := s.card.Submit(ctx, req)
+	if err != nil {
+		log.Warn("Card payout submission failed", zap.Error(err))
+		return gsresponse.Auto[mntxv1.CardPayoutResponse](s.logger, mservice.MntxGateway, err)
+	}
+	log.Info("Card payout submission completed", zap.String("payout_id", resp.GetPayout().GetPayoutId()), zap.Bool("accepted", resp.GetAccepted()))
+	return gsresponse.Success(resp)
+}
+
+func (s *Service) CreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
+	return executeUnary(ctx, s, "CreateCardTokenPayout", s.handleCreateCardTokenPayout, req)
+}
+
+func (s *Service) handleCreateCardTokenPayout(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) gsresponse.Responder[mntxv1.CardTokenPayoutResponse] {
+	log := s.logger.Named("card_token_payout")
+	log.Info("Create card token payout request received",
+		zap.String("payout_id", strings.TrimSpace(req.GetPayoutId())),
+		zap.String("operation_ref", strings.TrimSpace(req.GetOperationRef())),
+		zap.String("parent_payment_ref", strings.TrimSpace(req.GetParentPaymentRef())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+		zap.Int64("amount_minor", req.GetAmountMinor()),
+		zap.String("currency", strings.ToUpper(strings.TrimSpace(req.GetCurrency()))),
+	)
+	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
+		return gsresponse.Internal[mntxv1.CardTokenPayoutResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
+	}
+
+	resp, err := s.card.SubmitToken(ctx, req)
+	if err != nil {
+		log.Warn("Card token payout submission failed", zap.Error(err))
+		return gsresponse.Auto[mntxv1.CardTokenPayoutResponse](s.logger, mservice.MntxGateway, err)
+	}
+	log.Info("Card token payout submission completed", zap.String("payout_id", resp.GetPayout().GetPayoutId()), zap.Bool("accepted", resp.GetAccepted()))
+	return gsresponse.Success(resp)
+}
+
+func (s *Service) CreateCardToken(ctx context.Context, req *mntxv1.CardTokenizeRequest) (*mntxv1.CardTokenizeResponse, error) {
+	return executeUnary(ctx, s, "CreateCardToken", s.handleCreateCardToken, req)
+}
+
+func (s *Service) handleCreateCardToken(ctx context.Context, req *mntxv1.CardTokenizeRequest) gsresponse.Responder[mntxv1.CardTokenizeResponse] {
+	log := s.logger.Named("card_tokenize")
+	log.Info("Create card token request received",
+		zap.String("request_id", strings.TrimSpace(req.GetRequestId())),
+		zap.String("customer_id", strings.TrimSpace(req.GetCustomerId())),
+	)
+	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
+		return gsresponse.Internal[mntxv1.CardTokenizeResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
+	}
+
+	resp, err := s.card.Tokenize(ctx, req)
+	if err != nil {
+		log.Warn("Card tokenization failed", zap.Error(err))
+		return gsresponse.Auto[mntxv1.CardTokenizeResponse](s.logger, mservice.MntxGateway, err)
+	}
+	log.Info("Card tokenization completed", zap.String("request_id", resp.GetRequestId()), zap.Bool("success", resp.GetSuccess()))
+	return gsresponse.Success(resp)
+}
+
+func (s *Service) GetCardPayoutStatus(ctx context.Context, req *mntxv1.GetCardPayoutStatusRequest) (*mntxv1.GetCardPayoutStatusResponse, error) {
+	return executeUnary(ctx, s, "GetCardPayoutStatus", s.handleGetCardPayoutStatus, req)
+}
+
+func (s *Service) handleGetCardPayoutStatus(_ context.Context, req *mntxv1.GetCardPayoutStatusRequest) gsresponse.Responder[mntxv1.GetCardPayoutStatusResponse] {
+	log := s.logger.Named("card_payout_status")
+	log.Info("Get card payout status request received", zap.String("payout_id", strings.TrimSpace(req.GetPayoutId())))
+	if s.card == nil {
+		log.Warn("Card payout processor not initialised")
+		return gsresponse.Internal[mntxv1.GetCardPayoutStatusResponse](s.logger, mservice.MntxGateway, merrors.Internal("card payout processor not initialised"))
+	}
+
+	state, err := s.card.Status(context.Background(), req.GetPayoutId())
+	if err != nil {
+		log.Warn("Card payout status lookup failed", zap.Error(err))
+		return gsresponse.Auto[mntxv1.GetCardPayoutStatusResponse](s.logger, mservice.MntxGateway, err)
+	}
+	log.Info("Card payout status retrieved", zap.String("payout_id", state.GetPayoutId()), zap.String("status", state.GetStatus().String()))
+	return gsresponse.Success(&mntxv1.GetCardPayoutStatusResponse{Payout: state})
+}
+
+func sanitizeCardPayoutRequest(req *mntxv1.CardPayoutRequest) *mntxv1.CardPayoutRequest {
+	if req == nil {
+		return nil
+	}
+	clean := proto.Clone(req)
+	r, ok := clean.(*mntxv1.CardPayoutRequest)
+	if !ok {
+		return req
+	}
+	r.PayoutId = strings.TrimSpace(r.GetPayoutId())
+	r.ParentPaymentRef = strings.TrimSpace(r.GetParentPaymentRef())
+	r.CustomerId = strings.TrimSpace(r.GetCustomerId())
+	r.CustomerFirstName = strings.TrimSpace(r.GetCustomerFirstName())
+	r.CustomerMiddleName = strings.TrimSpace(r.GetCustomerMiddleName())
+	r.CustomerLastName = strings.TrimSpace(r.GetCustomerLastName())
+	r.CustomerIp = strings.TrimSpace(r.GetCustomerIp())
+	r.CustomerZip = strings.TrimSpace(r.GetCustomerZip())
+	r.CustomerCountry = strings.TrimSpace(r.GetCustomerCountry())
+	r.CustomerState = strings.TrimSpace(r.GetCustomerState())
+	r.CustomerCity = strings.TrimSpace(r.GetCustomerCity())
+	r.CustomerAddress = strings.TrimSpace(r.GetCustomerAddress())
+	r.Currency = strings.ToUpper(strings.TrimSpace(r.GetCurrency()))
+	r.CardPan = strings.TrimSpace(r.GetCardPan())
+	r.CardHolder = strings.TrimSpace(r.GetCardHolder())
+	r.OperationRef = strings.TrimSpace(r.GetOperationRef())
+	r.IdempotencyKey = strings.TrimSpace(r.GetIdempotencyKey())
+	r.IntentRef = strings.TrimSpace(r.GetIntentRef())
+	return r
+}
+
+func sanitizeCardTokenPayoutRequest(req *mntxv1.CardTokenPayoutRequest) *mntxv1.CardTokenPayoutRequest {
+	if req == nil {
+		return nil
+	}
+	clean := proto.Clone(req)
+	r, ok := clean.(*mntxv1.CardTokenPayoutRequest)
+	if !ok {
+		return req
+	}
+	r.PayoutId = strings.TrimSpace(r.GetPayoutId())
+	r.ParentPaymentRef = strings.TrimSpace(r.GetParentPaymentRef())
+	r.CustomerId = strings.TrimSpace(r.GetCustomerId())
+	r.CustomerFirstName = strings.TrimSpace(r.GetCustomerFirstName())
+	r.CustomerMiddleName = strings.TrimSpace(r.GetCustomerMiddleName())
+	r.CustomerLastName = strings.TrimSpace(r.GetCustomerLastName())
+	r.CustomerIp = strings.TrimSpace(r.GetCustomerIp())
+	r.CustomerZip = strings.TrimSpace(r.GetCustomerZip())
+	r.CustomerCountry = strings.TrimSpace(r.GetCustomerCountry())
+	r.CustomerState = strings.TrimSpace(r.GetCustomerState())
+	r.CustomerCity = strings.TrimSpace(r.GetCustomerCity())
+	r.CustomerAddress = strings.TrimSpace(r.GetCustomerAddress())
+	r.Currency = strings.ToUpper(strings.TrimSpace(r.GetCurrency()))
+	r.CardToken = strings.TrimSpace(r.GetCardToken())
+	r.CardHolder = strings.TrimSpace(r.GetCardHolder())
+	r.MaskedPan = strings.TrimSpace(r.GetMaskedPan())
+	r.OperationRef = strings.TrimSpace(r.GetOperationRef())
+	r.IdempotencyKey = strings.TrimSpace(r.GetIdempotencyKey())
+	r.IntentRef = strings.TrimSpace(r.GetIntentRef())
+	return r
+}
+
+func sanitizeCardTokenizeRequest(req *mntxv1.CardTokenizeRequest) *mntxv1.CardTokenizeRequest {
+	if req == nil {
+		return nil
+	}
+	clean := proto.Clone(req)
+	r, ok := clean.(*mntxv1.CardTokenizeRequest)
+	if !ok {
+		return req
+	}
+	r.RequestId = strings.TrimSpace(r.GetRequestId())
+	r.CustomerId = strings.TrimSpace(r.GetCustomerId())
+	r.CustomerFirstName = strings.TrimSpace(r.GetCustomerFirstName())
+	r.CustomerMiddleName = strings.TrimSpace(r.GetCustomerMiddleName())
+	r.CustomerLastName = strings.TrimSpace(r.GetCustomerLastName())
+	r.CustomerIp = strings.TrimSpace(r.GetCustomerIp())
+	r.CustomerZip = strings.TrimSpace(r.GetCustomerZip())
+	r.CustomerCountry = strings.TrimSpace(r.GetCustomerCountry())
+	r.CustomerState = strings.TrimSpace(r.GetCustomerState())
+	r.CustomerCity = strings.TrimSpace(r.GetCustomerCity())
+	r.CustomerAddress = strings.TrimSpace(r.GetCustomerAddress())
+	r.CardPan = strings.TrimSpace(r.GetCardPan())
+	r.CardHolder = strings.TrimSpace(r.GetCardHolder())
+	r.CardCvv = strings.TrimSpace(r.GetCardCvv())
+	if card := r.GetCard(); card != nil {
+		card.Pan = strings.TrimSpace(card.GetPan())
+		card.CardHolder = strings.TrimSpace(card.GetCardHolder())
+		card.Cvv = strings.TrimSpace(card.GetCvv())
+		r.Card = card
+	}
+	return r
+}

api/gateway/aurora/internal/service/gateway/card_payout_store_test.go

@@ -0,0 +1,108 @@
+package gateway
+
+import (
+	"context"
+	"sync"
+
+	"github.com/tech/sendico/gateway/aurora/storage"
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+)
+
+// mockRepository implements storage.Repository for tests.
+type mockRepository struct {
+	payouts *cardPayoutStore
+}
+
+func newMockRepository() *mockRepository {
+	return &mockRepository{
+		payouts: newCardPayoutStore(),
+	}
+}
+
+func (r *mockRepository) Payouts() storage.PayoutsStore {
+	return r.payouts
+}
+
+// cardPayoutStore implements storage.PayoutsStore for tests.
+type cardPayoutStore struct {
+	mu   sync.RWMutex
+	data map[string]*model.CardPayout
+}
+
+func payoutStoreKey(state *model.CardPayout) string {
+	if state == nil {
+		return ""
+	}
+	if ref := state.OperationRef; ref != "" {
+		return ref
+	}
+	return state.PaymentRef
+}
+
+func newCardPayoutStore() *cardPayoutStore {
+	return &cardPayoutStore{
+		data: make(map[string]*model.CardPayout),
+	}
+}
+
+func (s *cardPayoutStore) FindByIdempotencyKey(_ context.Context, key string) (*model.CardPayout, error) {
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+	for _, v := range s.data {
+		if v.IdempotencyKey == key {
+			return v, nil
+		}
+	}
+	return nil, nil
+}
+
+func (s *cardPayoutStore) FindByOperationRef(_ context.Context, ref string) (*model.CardPayout, error) {
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+	for _, v := range s.data {
+		if v.OperationRef == ref {
+			return v, nil
+		}
+	}
+	return nil, nil
+}
+
+func (s *cardPayoutStore) FindByPaymentID(_ context.Context, id string) (*model.CardPayout, error) {
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+	for _, v := range s.data {
+		if v.PaymentRef == id {
+			return v, nil
+		}
+	}
+	return nil, nil
+}
+
+func (s *cardPayoutStore) Upsert(_ context.Context, record *model.CardPayout) error {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	s.data[payoutStoreKey(record)] = record
+	return nil
+}
+
+// Save is a helper for tests to pre-populate data.
+func (s *cardPayoutStore) Save(state *model.CardPayout) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	s.data[payoutStoreKey(state)] = state
+}
+
+// Get is a helper for tests to retrieve data.
+func (s *cardPayoutStore) Get(id string) (*model.CardPayout, bool) {
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+	if v, ok := s.data[id]; ok {
+		return v, true
+	}
+	for _, v := range s.data {
+		if v.PaymentRef == id || v.OperationRef == id {
+			return v, true
+		}
+	}
+	return nil, false
+}

api/gateway/aurora/internal/service/gateway/card_payout_validation.go

@@ -0,0 +1,99 @@
+package gateway
+
+import (
+	"strconv"
+	"strings"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func validateCardPayoutRequest(req *mntxv1.CardPayoutRequest, cfg provider.Config) error {
+	if req == nil {
+		return newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+
+	if err := validateOperationIdentity(strings.TrimSpace(req.GetPayoutId()), strings.TrimSpace(req.GetOperationRef())); err != nil {
+		return err
+	}
+	if strings.TrimSpace(req.GetParentPaymentRef()) == "" {
+		return newPayoutError("missing_parent_payment_ref", merrors.InvalidArgument("parent_payment_ref is required", "parent_payment_ref"))
+	}
+	if strings.TrimSpace(req.GetCustomerId()) == "" {
+		return newPayoutError("missing_customer_id", merrors.InvalidArgument("customer_id is required", "customer_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerFirstName()) == "" {
+		return newPayoutError("missing_customer_first_name", merrors.InvalidArgument("customer_first_name is required", "customer_first_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerLastName()) == "" {
+		return newPayoutError("missing_customer_last_name", merrors.InvalidArgument("customer_last_name is required", "customer_last_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerIp()) == "" {
+		return newPayoutError("missing_customer_ip", merrors.InvalidArgument("customer_ip is required", "customer_ip"))
+	}
+
+	if req.GetAmountMinor() <= 0 {
+		return newPayoutError("invalid_amount", merrors.InvalidArgument("amount_minor must be positive", "amount_minor"))
+	}
+
+	currency := strings.ToUpper(strings.TrimSpace(req.GetCurrency()))
+	if currency == "" {
+		return newPayoutError("missing_currency", merrors.InvalidArgument("currency is required", "currency"))
+	}
+	if !cfg.CurrencyAllowed(currency) {
+		return newPayoutError("unsupported_currency", merrors.InvalidArgument("currency is not allowed for this project", "currency"))
+	}
+
+	pan := strings.TrimSpace(req.GetCardPan())
+	if pan == "" {
+		return newPayoutError("missing_card_pan", merrors.InvalidArgument("card_pan is required", "card_pan"))
+	}
+	if strings.TrimSpace(req.GetCardHolder()) == "" {
+		return newPayoutError("missing_card_holder", merrors.InvalidArgument("card_holder is required", "card_holder"))
+	}
+	if err := validateCardExpiryFields(req.GetCardExpMonth(), req.GetCardExpYear()); err != nil {
+		return err
+	}
+
+	if cfg.RequireCustomerAddress {
+		if strings.TrimSpace(req.GetCustomerCountry()) == "" {
+			return newPayoutError("missing_customer_country", merrors.InvalidArgument("customer_country is required", "customer_country"))
+		}
+		if strings.TrimSpace(req.GetCustomerCity()) == "" {
+			return newPayoutError("missing_customer_city", merrors.InvalidArgument("customer_city is required", "customer_city"))
+		}
+		if strings.TrimSpace(req.GetCustomerAddress()) == "" {
+			return newPayoutError("missing_customer_address", merrors.InvalidArgument("customer_address is required", "customer_address"))
+		}
+		if strings.TrimSpace(req.GetCustomerZip()) == "" {
+			return newPayoutError("missing_customer_zip", merrors.InvalidArgument("customer_zip is required", "customer_zip"))
+		}
+	}
+
+	return nil
+}
+
+func validateCardExpiryFields(month uint32, year uint32) error {
+	if month == 0 || month > 12 {
+		return newPayoutError("invalid_expiry_month", merrors.InvalidArgument("card_exp_month must be between 1 and 12", "card_exp_month"))
+	}
+	yearStr := strconv.Itoa(int(year))
+	if len(yearStr) < 2 || year == 0 {
+		return newPayoutError("invalid_expiry_year", merrors.InvalidArgument("card_exp_year must be provided", "card_exp_year"))
+	}
+	return nil
+}
+
+func validateOperationIdentity(payoutID, operationRef string) error {
+	payoutID = strings.TrimSpace(payoutID)
+	operationRef = strings.TrimSpace(operationRef)
+	switch {
+	case payoutID == "" && operationRef == "":
+		return newPayoutError("missing_operation_ref", merrors.InvalidArgument("operation_ref or payout_id is required", "operation_ref"))
+	case payoutID != "" && operationRef != "":
+		return newPayoutError("ambiguous_operation_ref", merrors.InvalidArgument("provide either operation_ref or payout_id, not both"))
+	default:
+		return nil
+	}
+}

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

@@ -0,0 +1,116 @@
+package gateway
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func TestValidateCardPayoutRequest_Valid(t *testing.T) {
+	cfg := testProviderConfig()
+	req := validCardPayoutRequest()
+	if err := validateCardPayoutRequest(req, cfg); err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+}
+
+func TestValidateCardPayoutRequest_Errors(t *testing.T) {
+	baseCfg := testProviderConfig()
+	cases := []struct {
+		name     string
+		mutate   func(*mntxv1.CardPayoutRequest)
+		config   func(provider.Config) provider.Config
+		expected string
+	}{
+		{
+			name:     "missing_operation_identity",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.PayoutId = "" },
+			expected: "missing_operation_ref",
+		},
+		{
+			name:     "missing_parent_payment_ref",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.ParentPaymentRef = "" },
+			expected: "missing_parent_payment_ref",
+		},
+		{
+			name: "both_operation_and_payout_identity",
+			mutate: func(r *mntxv1.CardPayoutRequest) {
+				r.PayoutId = "parent-1"
+				r.OperationRef = "parent-1:hop_1_card_payout_send"
+			},
+			expected: "ambiguous_operation_ref",
+		},
+		{
+			name:     "missing_customer_id",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CustomerId = "" },
+			expected: "missing_customer_id",
+		},
+		{
+			name:     "missing_customer_ip",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CustomerIp = "" },
+			expected: "missing_customer_ip",
+		},
+		{
+			name:     "invalid_amount",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.AmountMinor = 0 },
+			expected: "invalid_amount",
+		},
+		{
+			name:     "missing_currency",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.Currency = "" },
+			expected: "missing_currency",
+		},
+		{
+			name:   "unsupported_currency",
+			mutate: func(r *mntxv1.CardPayoutRequest) { r.Currency = "EUR" },
+			config: func(cfg provider.Config) provider.Config {
+				cfg.AllowedCurrencies = []string{"USD"}
+				return cfg
+			},
+			expected: "unsupported_currency",
+		},
+		{
+			name:     "missing_card_pan",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CardPan = "" },
+			expected: "missing_card_pan",
+		},
+		{
+			name:     "missing_card_holder",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CardHolder = "" },
+			expected: "missing_card_holder",
+		},
+		{
+			name:     "invalid_expiry_month",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CardExpMonth = 13 },
+			expected: "invalid_expiry_month",
+		},
+		{
+			name:     "invalid_expiry_year",
+			mutate:   func(r *mntxv1.CardPayoutRequest) { r.CardExpYear = 0 },
+			expected: "invalid_expiry_year",
+		},
+		{
+			name:   "missing_customer_country_when_required",
+			mutate: func(r *mntxv1.CardPayoutRequest) { r.CustomerCountry = "" },
+			config: func(cfg provider.Config) provider.Config {
+				cfg.RequireCustomerAddress = true
+				return cfg
+			},
+			expected: "missing_customer_country",
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			req := validCardPayoutRequest()
+			tc.mutate(req)
+			cfg := baseCfg
+			if tc.config != nil {
+				cfg = tc.config(cfg)
+			}
+			err := validateCardPayoutRequest(req, cfg)
+			requireReason(t, err, tc.expected)
+		})
+	}
+}

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

@@ -0,0 +1,763 @@
+package gateway
+
+import (
+	"bytes"
+	"context"
+	"encoding/json"
+	"errors"
+	"fmt"
+	"io"
+	"net/http"
+	"strings"
+	"sync/atomic"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/merrors"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+)
+
+type roundTripperFunc func(*http.Request) (*http.Response, error)
+
+func (f roundTripperFunc) RoundTrip(r *http.Request) (*http.Response, error) {
+	return f(r)
+}
+
+type staticClock struct {
+	now time.Time
+}
+
+func (s staticClock) Now() time.Time {
+	return s.now
+}
+
+type apiResponse struct {
+	RequestID string `json:"request_id"`
+	Status    string `json:"status"`
+	Message   string `json:"message"`
+	Code      string `json:"code"`
+	Operation struct {
+		RequestID string `json:"request_id"`
+		Status    string `json:"status"`
+		Code      string `json:"code"`
+		Message   string `json:"message"`
+	} `json:"operation"`
+}
+
+func TestCardPayoutProcessor_Submit_Success(t *testing.T) {
+	cfg := provider.Config{
+		BaseURL:           "https://provider.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	existingCreated := time.Date(2020, 2, 3, 0, 0, 0, 0, time.UTC)
+
+	repo := newMockRepository()
+	repo.payouts.Save(&model.CardPayout{
+		PaymentRef:   "payment-parent-1",
+		OperationRef: "payout-1",
+		CreatedAt:    existingCreated,
+	})
+
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			resp := apiResponse{}
+			resp.Operation.RequestID = "req-123"
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	now := time.Date(2024, 1, 1, 12, 0, 0, 0, time.UTC)
+	processor := newCardPayoutProcessor(zap.NewNop(), cfg, staticClock{now: now}, repo, httpClient, nil)
+
+	req := validCardPayoutRequest()
+	req.ProjectId = 0
+
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted payout response")
+	}
+	if resp.GetPayout().GetProjectId() != cfg.ProjectID {
+		t.Fatalf("expected project id %d, got %d", cfg.ProjectID, resp.GetPayout().GetProjectId())
+	}
+	if resp.GetPayout().GetStatus() != mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING {
+		t.Fatalf("expected waiting status, got %v", resp.GetPayout().GetStatus())
+	}
+	if !resp.GetPayout().GetCreatedAt().AsTime().Equal(existingCreated) {
+		t.Fatalf("expected created_at preserved, got %v", resp.GetPayout().GetCreatedAt().AsTime())
+	}
+
+	stored, ok := repo.payouts.Get(req.GetPayoutId())
+	if !ok || stored == nil {
+		t.Fatalf("expected payout state stored")
+	}
+	if stored.ProviderPaymentID == "" {
+		t.Fatalf("expected provider payment id")
+	}
+	if !stored.CreatedAt.Equal(existingCreated) {
+		t.Fatalf("expected created_at preserved in model, got %v", stored.CreatedAt)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_MissingConfig(t *testing.T) {
+	cfg := provider.Config{
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		clockpkg.NewSystem(),
+		newMockRepository(),
+		&http.Client{},
+		nil,
+	)
+
+	_, err := processor.Submit(context.Background(), validCardPayoutRequest())
+	if err == nil {
+		t.Fatalf("expected error")
+	}
+	if !errors.Is(err, merrors.ErrInternal) {
+		t.Fatalf("expected internal error, got %v", err)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_RejectsAmountBelowConfiguredMinimum(t *testing.T) {
+	cfg := provider.Config{
+		BaseURL:           "https://provider.test",
+		SecretKey:         "secret",
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2024, 1, 1, 12, 0, 0, 0, time.UTC)},
+		repo,
+		&http.Client{},
+		nil,
+	)
+	processor.applyGatewayDescriptor(&gatewayv1.GatewayInstanceDescriptor{
+		Limits: &gatewayv1.Limits{
+			PerTxMinAmount: "20.00",
+		},
+	})
+
+	req := validCardPayoutRequest() // 15.00 RUB
+	_, err := processor.Submit(context.Background(), req)
+	requireReason(t, err, "amount_below_minimum")
+}
+
+func TestCardPayoutProcessor_SubmitToken_RejectsAmountBelowCurrencyMinimum(t *testing.T) {
+	cfg := provider.Config{
+		BaseURL:           "https://provider.test",
+		SecretKey:         "secret",
+		AllowedCurrencies: []string{"USD"},
+	}
+
+	repo := newMockRepository()
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2024, 1, 1, 12, 0, 0, 0, time.UTC)},
+		repo,
+		&http.Client{},
+		nil,
+	)
+	processor.applyGatewayDescriptor(&gatewayv1.GatewayInstanceDescriptor{
+		Limits: &gatewayv1.Limits{
+			PerTxMinAmount: "20.00",
+			CurrencyLimits: map[string]*gatewayv1.LimitsOverride{
+				"USD": {MinAmount: "30.00"},
+			},
+		},
+	})
+
+	req := validCardTokenPayoutRequest() // 25.00 USD
+	_, err := processor.SubmitToken(context.Background(), req)
+	requireReason(t, err, "amount_below_minimum")
+}
+
+func TestCardPayoutProcessor_ProcessCallback(t *testing.T) {
+	cfg := provider.Config{
+		SecretKey:         "secret",
+		StatusSuccess:     "success",
+		StatusProcessing:  "processing",
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2024, 1, 2, 3, 4, 5, 0, time.UTC)},
+		repo,
+		&http.Client{},
+		nil,
+	)
+
+	cb := baseCallback()
+	cb.Payment.Sum.Currency = "RUB"
+
+	sig, err := provider.SignPayload(cb, cfg.SecretKey)
+	if err != nil {
+		t.Fatalf("failed to sign callback: %v", err)
+	}
+	cb.Signature = sig
+
+	payload, err := json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+
+	status, err := processor.ProcessCallback(context.Background(), payload)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if status != http.StatusOK {
+		t.Fatalf("expected status ok, got %d", status)
+	}
+
+	state, ok := repo.payouts.Get(cb.Payment.ID)
+	if !ok || state == nil {
+		t.Fatalf("expected payout state stored")
+	}
+
+	if state.Status != model.PayoutStatusSuccess {
+		t.Fatalf("expected success status in model, got %v", state.Status)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_SameParentDifferentOperationsStoredSeparately(t *testing.T) {
+	cfg := provider.Config{
+		BaseURL:           "https://provider.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	var callN int
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			callN++
+			resp := apiResponse{}
+			resp.Operation.RequestID = fmt.Sprintf("req-%d", callN)
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 1, 2, 3, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+
+	parentPaymentRef := "payment-parent-1"
+	op1 := parentPaymentRef + ":hop_4_card_payout_send"
+	op2 := parentPaymentRef + ":hop_4_card_payout_send_2"
+
+	req1 := validCardPayoutRequest()
+	req1.PayoutId = ""
+	req1.OperationRef = op1
+	req1.IdempotencyKey = "idem-1"
+	req1.ParentPaymentRef = parentPaymentRef
+	req1.CardPan = "2204310000002456"
+
+	req2 := validCardPayoutRequest()
+	req2.PayoutId = ""
+	req2.OperationRef = op2
+	req2.IdempotencyKey = "idem-2"
+	req2.ParentPaymentRef = parentPaymentRef
+	req2.CardPan = "2204320000009754"
+
+	if _, err := processor.Submit(context.Background(), req1); err != nil {
+		t.Fatalf("first submit failed: %v", err)
+	}
+	if _, err := processor.Submit(context.Background(), req2); err != nil {
+		t.Fatalf("second submit failed: %v", err)
+	}
+
+	first, err := repo.payouts.FindByOperationRef(context.Background(), op1)
+	if err != nil || first == nil {
+		t.Fatalf("expected first operation stored, err=%v", err)
+	}
+	second, err := repo.payouts.FindByOperationRef(context.Background(), op2)
+	if err != nil || second == nil {
+		t.Fatalf("expected second operation stored, err=%v", err)
+	}
+
+	if got, want := first.PaymentRef, parentPaymentRef; got != want {
+		t.Fatalf("first parent payment ref mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := second.PaymentRef, parentPaymentRef; got != want {
+		t.Fatalf("second parent payment ref mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := first.OperationRef, op1; got != want {
+		t.Fatalf("first operation ref mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := second.OperationRef, op2; got != want {
+		t.Fatalf("second operation ref mismatch: got=%q want=%q", got, want)
+	}
+	if first.ProviderPaymentID == "" || second.ProviderPaymentID == "" {
+		t.Fatalf("expected provider payment ids for both operations")
+	}
+	if first.ProviderPaymentID == second.ProviderPaymentID {
+		t.Fatalf("expected different provider payment ids, got=%q", first.ProviderPaymentID)
+	}
+}
+
+func TestCardPayoutProcessor_StrictMode_BlocksSecondOperationUntilFirstFinalCallback(t *testing.T) {
+	t.Skip("aurora simulator has no external provider transport call counting")
+
+	cfg := provider.Config{
+		BaseURL:           "https://provider.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		StatusSuccess:     "success",
+		StatusProcessing:  "processing",
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	var callN atomic.Int32
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			n := callN.Add(1)
+			resp := apiResponse{}
+			resp.Operation.RequestID = fmt.Sprintf("req-%d", n)
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 2, 3, 4, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+	processor.setExecutionMode(newStrictIsolatedPayoutExecutionMode())
+
+	req1 := validCardPayoutRequest()
+	req1.PayoutId = ""
+	req1.OperationRef = "op-strict-1"
+	req1.ParentPaymentRef = "payment-strict-1"
+	req1.IdempotencyKey = "idem-strict-1"
+	req1.CardPan = "2204310000002456"
+
+	req2 := validCardPayoutRequest()
+	req2.PayoutId = ""
+	req2.OperationRef = "op-strict-2"
+	req2.ParentPaymentRef = "payment-strict-2"
+	req2.IdempotencyKey = "idem-strict-2"
+	req2.CardPan = "2204320000009754"
+
+	if _, err := processor.Submit(context.Background(), req1); err != nil {
+		t.Fatalf("first submit failed: %v", err)
+	}
+
+	secondDone := make(chan error, 1)
+	go func() {
+		_, err := processor.Submit(context.Background(), req2)
+		secondDone <- err
+	}()
+
+	select {
+	case err := <-secondDone:
+		t.Fatalf("second submit should block before first operation is final, err=%v", err)
+	case <-time.After(120 * time.Millisecond):
+	}
+
+	cb := baseCallback()
+	cb.Payment.ID = req1.GetOperationRef()
+	cb.Payment.Status = "success"
+	cb.Operation.Status = "success"
+	cb.Operation.Code = "0"
+	cb.Operation.Message = "Success"
+	cb.Payment.Sum.Currency = "RUB"
+
+	sig, err := provider.SignPayload(cb, cfg.SecretKey)
+	if err != nil {
+		t.Fatalf("failed to sign callback: %v", err)
+	}
+	cb.Signature = sig
+	payload, err := json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+
+	status, err := processor.ProcessCallback(context.Background(), payload)
+	if err != nil {
+		t.Fatalf("callback failed: %v", err)
+	}
+	if status != http.StatusOK {
+		t.Fatalf("unexpected callback status: %d", status)
+	}
+
+	select {
+	case err := <-secondDone:
+		if err != nil {
+			t.Fatalf("second submit returned error: %v", err)
+		}
+	case <-time.After(2 * time.Second):
+		t.Fatalf("timeout waiting for second submit to unblock")
+	}
+
+	if got, want := callN.Load(), int32(2); got != want {
+		t.Fatalf("unexpected provider call count: got=%d want=%d", got, want)
+	}
+}
+
+func TestCardPayoutProcessor_ProcessCallback_UpdatesMatchingOperationWithinSameParent(t *testing.T) {
+	cfg := provider.Config{
+		SecretKey:         "secret",
+		StatusSuccess:     "success",
+		StatusProcessing:  "processing",
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	parentPaymentRef := "payment-parent-1"
+	op1 := parentPaymentRef + ":hop_4_card_payout_send"
+	op2 := parentPaymentRef + ":hop_4_card_payout_send_2"
+	now := time.Date(2026, 3, 4, 2, 3, 4, 0, time.UTC)
+
+	repo := newMockRepository()
+	repo.payouts.Save(&model.CardPayout{
+		PaymentRef:   parentPaymentRef,
+		OperationRef: op1,
+		Status:       model.PayoutStatusWaiting,
+		CreatedAt:    now.Add(-time.Minute),
+		UpdatedAt:    now.Add(-time.Minute),
+	})
+	repo.payouts.Save(&model.CardPayout{
+		PaymentRef:   parentPaymentRef,
+		OperationRef: op2,
+		Status:       model.PayoutStatusWaiting,
+		CreatedAt:    now.Add(-time.Minute),
+		UpdatedAt:    now.Add(-time.Minute),
+	})
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: now},
+		repo,
+		&http.Client{},
+		nil,
+	)
+
+	cb := baseCallback()
+	cb.Payment.ID = op2
+	cb.Payment.Status = "success"
+	cb.Operation.Status = "success"
+	cb.Operation.Code = "0"
+	cb.Operation.Provider.PaymentID = "provider-op-2"
+	cb.Payment.Sum.Currency = "RUB"
+
+	sig, err := provider.SignPayload(cb, cfg.SecretKey)
+	if err != nil {
+		t.Fatalf("failed to sign callback: %v", err)
+	}
+	cb.Signature = sig
+	payload, err := json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+
+	status, err := processor.ProcessCallback(context.Background(), payload)
+	if err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+	if status != http.StatusOK {
+		t.Fatalf("expected status ok, got %d", status)
+	}
+
+	first, err := repo.payouts.FindByOperationRef(context.Background(), op1)
+	if err != nil || first == nil {
+		t.Fatalf("expected first operation present, err=%v", err)
+	}
+	second, err := repo.payouts.FindByOperationRef(context.Background(), op2)
+	if err != nil || second == nil {
+		t.Fatalf("expected second operation present, err=%v", err)
+	}
+
+	if got, want := first.Status, model.PayoutStatusWaiting; got != want {
+		t.Fatalf("first operation status mismatch: got=%v want=%v", got, want)
+	}
+	if got, want := second.Status, model.PayoutStatusSuccess; got != want {
+		t.Fatalf("second operation status mismatch: got=%v want=%v", got, want)
+	}
+	if got, want := second.PaymentRef, parentPaymentRef; got != want {
+		t.Fatalf("second parent payment ref mismatch: got=%q want=%q", got, want)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineUntilSuccess(t *testing.T) {
+	t.Skip("aurora simulator uses deterministic scenario dispatch instead of mocked provider HTTP")
+
+	cfg := provider.Config{
+		BaseURL:           "https://provider.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	var calls atomic.Int32
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			n := calls.Add(1)
+			resp := apiResponse{}
+			if n == 1 {
+				resp.Code = providerCodeDeclineAmountOrFrequencyLimit
+				resp.Message = "Decline due to amount or frequency limit"
+				body, _ := json.Marshal(resp)
+				return &http.Response{
+					StatusCode: http.StatusTooManyRequests,
+					Body:       io.NopCloser(bytes.NewReader(body)),
+					Header:     http.Header{"Content-Type": []string{"application/json"}},
+				}, nil
+			}
+			resp.Operation.RequestID = "req-retry-success"
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 1, 2, 3, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+	processor.retryDelayFn = func(uint32) time.Duration { return 10 * time.Millisecond }
+
+	req := validCardPayoutRequest()
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("submit returned error: %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted response when retry is scheduled")
+	}
+
+	deadline := time.Now().Add(2 * time.Second)
+	for {
+		state, ok := repo.payouts.Get(req.GetPayoutId())
+		if ok && state != nil && state.Status == model.PayoutStatusWaiting && state.ProviderPaymentID == "req-retry-success" {
+			break
+		}
+		if time.Now().After(deadline) {
+			t.Fatalf("timeout waiting for successful retry result")
+		}
+		time.Sleep(20 * time.Millisecond)
+	}
+	if got, want := calls.Load(), int32(2); got != want {
+		t.Fatalf("unexpected provider call count: got=%d want=%d", got, want)
+	}
+}
+
+func TestCardPayoutProcessor_Submit_RetriesProviderLimitDeclineThenFails(t *testing.T) {
+	t.Skip("aurora simulator uses deterministic scenario dispatch instead of mocked provider HTTP")
+
+	cfg := provider.Config{
+		BaseURL:           "https://provider.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	var calls atomic.Int32
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			_ = calls.Add(1)
+			resp := apiResponse{
+				Code:    providerCodeDeclineAmountOrFrequencyLimit,
+				Message: "Decline due to amount or frequency limit",
+			}
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusTooManyRequests,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 1, 2, 3, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+	processor.retryDelayFn = func(uint32) time.Duration { return time.Millisecond }
+
+	req := validCardPayoutRequest()
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("submit returned error: %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted response when retry is scheduled")
+	}
+
+	deadline := time.Now().Add(2 * time.Second)
+	for {
+		state, ok := repo.payouts.Get(req.GetPayoutId())
+		if ok && state != nil && state.Status == model.PayoutStatusFailed {
+			if !strings.Contains(state.FailureReason, providerCodeDeclineAmountOrFrequencyLimit) {
+				t.Fatalf("expected failure reason to include provider code, got=%q", state.FailureReason)
+			}
+			break
+		}
+		if time.Now().After(deadline) {
+			t.Fatalf("timeout waiting for terminal failed status")
+		}
+		time.Sleep(10 * time.Millisecond)
+	}
+	if got, want := calls.Load(), int32(defaultMaxDispatchAttempts); got != want {
+		t.Fatalf("unexpected provider call count: got=%d want=%d", got, want)
+	}
+}
+
+func TestCardPayoutProcessor_ProcessCallback_RetryableDeclineSchedulesRetry(t *testing.T) {
+	t.Skip("aurora simulator does not run provider HTTP retry flow used by legacy transport tests")
+
+	cfg := provider.Config{
+		BaseURL:           "https://provider.test",
+		SecretKey:         "secret",
+		ProjectID:         99,
+		StatusSuccess:     "success",
+		StatusProcessing:  "processing",
+		AllowedCurrencies: []string{"RUB"},
+	}
+
+	repo := newMockRepository()
+	var calls atomic.Int32
+	httpClient := &http.Client{
+		Transport: roundTripperFunc(func(r *http.Request) (*http.Response, error) {
+			n := calls.Add(1)
+			resp := apiResponse{}
+			if n == 1 {
+				resp.Operation.RequestID = "req-initial"
+			} else {
+				resp.Operation.RequestID = "req-after-callback-retry"
+			}
+			body, _ := json.Marshal(resp)
+			return &http.Response{
+				StatusCode: http.StatusOK,
+				Body:       io.NopCloser(bytes.NewReader(body)),
+				Header:     http.Header{"Content-Type": []string{"application/json"}},
+			}, nil
+		}),
+	}
+
+	processor := newCardPayoutProcessor(
+		zap.NewNop(),
+		cfg,
+		staticClock{now: time.Date(2026, 3, 4, 2, 0, 0, 0, time.UTC)},
+		repo,
+		httpClient,
+		nil,
+	)
+	defer processor.stopRetries()
+	processor.dispatchThrottleInterval = 0
+	processor.retryDelayFn = func(uint32) time.Duration { return 5 * time.Millisecond }
+
+	req := validCardPayoutRequest()
+	resp, err := processor.Submit(context.Background(), req)
+	if err != nil {
+		t.Fatalf("submit returned error: %v", err)
+	}
+	if !resp.GetAccepted() {
+		t.Fatalf("expected accepted submit response")
+	}
+
+	cb := baseCallback()
+	cb.Payment.ID = req.GetPayoutId()
+	cb.Payment.Status = "failed"
+	cb.Operation.Status = "failed"
+	cb.Operation.Code = providerCodeDeclineAmountOrFrequencyLimit
+	cb.Operation.Message = "Decline due to amount or frequency limit"
+	cb.Payment.Sum.Currency = "RUB"
+
+	sig, err := provider.SignPayload(cb, cfg.SecretKey)
+	if err != nil {
+		t.Fatalf("failed to sign callback: %v", err)
+	}
+	cb.Signature = sig
+	payload, err := json.Marshal(cb)
+	if err != nil {
+		t.Fatalf("failed to marshal callback: %v", err)
+	}
+
+	status, err := processor.ProcessCallback(context.Background(), payload)
+	if err != nil {
+		t.Fatalf("process callback returned error: %v", err)
+	}
+	if status != http.StatusOK {
+		t.Fatalf("unexpected callback status: %d", status)
+	}
+
+	deadline := time.Now().Add(2 * time.Second)
+	for {
+		state, ok := repo.payouts.Get(req.GetPayoutId())
+		if ok && state != nil && state.Status == model.PayoutStatusWaiting && state.ProviderPaymentID == "req-after-callback-retry" {
+			break
+		}
+		if time.Now().After(deadline) {
+			t.Fatalf("timeout waiting for callback-scheduled retry result")
+		}
+		time.Sleep(10 * time.Millisecond)
+	}
+
+	if got, want := calls.Load(), int32(2); got != want {
+		t.Fatalf("unexpected provider call count: got=%d want=%d", got, want)
+	}
+}

api/gateway/aurora/internal/service/gateway/card_token_validation.go

@@ -0,0 +1,66 @@
+package gateway
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func validateCardTokenPayoutRequest(req *mntxv1.CardTokenPayoutRequest, cfg provider.Config) error {
+	if req == nil {
+		return newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+
+	if err := validateOperationIdentity(strings.TrimSpace(req.GetPayoutId()), strings.TrimSpace(req.GetOperationRef())); err != nil {
+		return err
+	}
+	if strings.TrimSpace(req.GetParentPaymentRef()) == "" {
+		return newPayoutError("missing_parent_payment_ref", merrors.InvalidArgument("parent_payment_ref is required", "parent_payment_ref"))
+	}
+	if strings.TrimSpace(req.GetCustomerId()) == "" {
+		return newPayoutError("missing_customer_id", merrors.InvalidArgument("customer_id is required", "customer_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerFirstName()) == "" {
+		return newPayoutError("missing_customer_first_name", merrors.InvalidArgument("customer_first_name is required", "customer_first_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerLastName()) == "" {
+		return newPayoutError("missing_customer_last_name", merrors.InvalidArgument("customer_last_name is required", "customer_last_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerIp()) == "" {
+		return newPayoutError("missing_customer_ip", merrors.InvalidArgument("customer_ip is required", "customer_ip"))
+	}
+	if req.GetAmountMinor() <= 0 {
+		return newPayoutError("invalid_amount", merrors.InvalidArgument("amount_minor must be positive", "amount_minor"))
+	}
+
+	currency := strings.ToUpper(strings.TrimSpace(req.GetCurrency()))
+	if currency == "" {
+		return newPayoutError("missing_currency", merrors.InvalidArgument("currency is required", "currency"))
+	}
+	if !cfg.CurrencyAllowed(currency) {
+		return newPayoutError("unsupported_currency", merrors.InvalidArgument("currency is not allowed for this project", "currency"))
+	}
+
+	if strings.TrimSpace(req.GetCardToken()) == "" {
+		return newPayoutError("missing_card_token", merrors.InvalidArgument("card_token is required", "card_token"))
+	}
+
+	if cfg.RequireCustomerAddress {
+		if strings.TrimSpace(req.GetCustomerCountry()) == "" {
+			return newPayoutError("missing_customer_country", merrors.InvalidArgument("customer_country is required", "customer_country"))
+		}
+		if strings.TrimSpace(req.GetCustomerCity()) == "" {
+			return newPayoutError("missing_customer_city", merrors.InvalidArgument("customer_city is required", "customer_city"))
+		}
+		if strings.TrimSpace(req.GetCustomerAddress()) == "" {
+			return newPayoutError("missing_customer_address", merrors.InvalidArgument("customer_address is required", "customer_address"))
+		}
+		if strings.TrimSpace(req.GetCustomerZip()) == "" {
+			return newPayoutError("missing_customer_zip", merrors.InvalidArgument("customer_zip is required", "customer_zip"))
+		}
+	}
+
+	return nil
+}

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

@@ -0,0 +1,106 @@
+package gateway
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func TestValidateCardTokenPayoutRequest_Valid(t *testing.T) {
+	cfg := testProviderConfig()
+	req := validCardTokenPayoutRequest()
+	if err := validateCardTokenPayoutRequest(req, cfg); err != nil {
+		t.Fatalf("expected no error, got %v", err)
+	}
+}
+
+func TestValidateCardTokenPayoutRequest_Errors(t *testing.T) {
+	baseCfg := testProviderConfig()
+	cases := []struct {
+		name     string
+		mutate   func(*mntxv1.CardTokenPayoutRequest)
+		config   func(provider.Config) provider.Config
+		expected string
+	}{
+		{
+			name:     "missing_operation_identity",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.PayoutId = "" },
+			expected: "missing_operation_ref",
+		},
+		{
+			name:     "missing_parent_payment_ref",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.ParentPaymentRef = "" },
+			expected: "missing_parent_payment_ref",
+		},
+		{
+			name: "both_operation_and_payout_identity",
+			mutate: func(r *mntxv1.CardTokenPayoutRequest) {
+				r.PayoutId = "parent-1"
+				r.OperationRef = "parent-1:hop_1_card_payout_send"
+			},
+			expected: "ambiguous_operation_ref",
+		},
+		{
+			name:     "missing_customer_id",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.CustomerId = "" },
+			expected: "missing_customer_id",
+		},
+		{
+			name:     "missing_customer_ip",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.CustomerIp = "" },
+			expected: "missing_customer_ip",
+		},
+		{
+			name:     "invalid_amount",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.AmountMinor = 0 },
+			expected: "invalid_amount",
+		},
+		{
+			name:     "missing_currency",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.Currency = "" },
+			expected: "missing_currency",
+		},
+		{
+			name:   "unsupported_currency",
+			mutate: func(r *mntxv1.CardTokenPayoutRequest) { r.Currency = "EUR" },
+			config: func(cfg provider.Config) provider.Config {
+				cfg.AllowedCurrencies = []string{"USD"}
+				return cfg
+			},
+			expected: "unsupported_currency",
+		},
+		{
+			name:     "missing_card_token",
+			mutate:   func(r *mntxv1.CardTokenPayoutRequest) { r.CardToken = "" },
+			expected: "missing_card_token",
+		},
+		{
+			name: "missing_customer_city_when_required",
+			mutate: func(r *mntxv1.CardTokenPayoutRequest) {
+				r.CustomerCountry = "US"
+				r.CustomerCity = ""
+				r.CustomerAddress = "Main St"
+				r.CustomerZip = "12345"
+			},
+			config: func(cfg provider.Config) provider.Config {
+				cfg.RequireCustomerAddress = true
+				return cfg
+			},
+			expected: "missing_customer_city",
+		},
+	}
+
+	for _, tc := range cases {
+		t.Run(tc.name, func(t *testing.T) {
+			req := validCardTokenPayoutRequest()
+			tc.mutate(req)
+			cfg := baseCfg
+			if tc.config != nil {
+				cfg = tc.config(cfg)
+			}
+			err := validateCardTokenPayoutRequest(req, cfg)
+			requireReason(t, err, tc.expected)
+		})
+	}
+}

api/gateway/aurora/internal/service/gateway/card_tokenize_validation.go

@@ -0,0 +1,108 @@
+package gateway
+
+import (
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+type tokenizeCardInput struct {
+	pan    string
+	month  uint32
+	year   uint32
+	holder string
+	cvv    string
+}
+
+func validateCardTokenizeRequest(req *mntxv1.CardTokenizeRequest, cfg provider.Config) (*tokenizeCardInput, error) {
+	if req == nil {
+		return nil, newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+	if strings.TrimSpace(req.GetRequestId()) == "" {
+		return nil, newPayoutError("missing_request_id", merrors.InvalidArgument("request_id is required", "request_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerId()) == "" {
+		return nil, newPayoutError("missing_customer_id", merrors.InvalidArgument("customer_id is required", "customer_id"))
+	}
+	if strings.TrimSpace(req.GetCustomerFirstName()) == "" {
+		return nil, newPayoutError("missing_customer_first_name", merrors.InvalidArgument("customer_first_name is required", "customer_first_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerLastName()) == "" {
+		return nil, newPayoutError("missing_customer_last_name", merrors.InvalidArgument("customer_last_name is required", "customer_last_name"))
+	}
+	if strings.TrimSpace(req.GetCustomerIp()) == "" {
+		return nil, newPayoutError("missing_customer_ip", merrors.InvalidArgument("customer_ip is required", "customer_ip"))
+	}
+
+	card := extractTokenizeCard(req)
+	if card.pan == "" {
+		return nil, newPayoutError("missing_card_pan", merrors.InvalidArgument("card_pan is required", "card.pan"))
+	}
+	if card.holder == "" {
+		return nil, newPayoutError("missing_card_holder", merrors.InvalidArgument("card_holder is required", "card.holder"))
+	}
+	if card.month == 0 || card.month > 12 {
+		return nil, newPayoutError("invalid_expiry_month", merrors.InvalidArgument("card_exp_month must be between 1 and 12", "card.exp_month"))
+	}
+	if card.year == 0 {
+		return nil, newPayoutError("invalid_expiry_year", merrors.InvalidArgument("card_exp_year must be provided", "card.exp_year"))
+	}
+	if card.cvv == "" {
+		return nil, newPayoutError("missing_cvv", merrors.InvalidArgument("card_cvv is required", "card.cvv"))
+	}
+	if expired(card.month, card.year) {
+		return nil, newPayoutError("expired_card", merrors.InvalidArgument("card expiry is in the past", "card.expiry"))
+	}
+
+	if cfg.RequireCustomerAddress {
+		if strings.TrimSpace(req.GetCustomerCountry()) == "" {
+			return nil, newPayoutError("missing_customer_country", merrors.InvalidArgument("customer_country is required", "customer_country"))
+		}
+		if strings.TrimSpace(req.GetCustomerCity()) == "" {
+			return nil, newPayoutError("missing_customer_city", merrors.InvalidArgument("customer_city is required", "customer_city"))
+		}
+		if strings.TrimSpace(req.GetCustomerAddress()) == "" {
+			return nil, newPayoutError("missing_customer_address", merrors.InvalidArgument("customer_address is required", "customer_address"))
+		}
+		if strings.TrimSpace(req.GetCustomerZip()) == "" {
+			return nil, newPayoutError("missing_customer_zip", merrors.InvalidArgument("customer_zip is required", "customer_zip"))
+		}
+	}
+
+	return card, nil
+}
+
+func extractTokenizeCard(req *mntxv1.CardTokenizeRequest) *tokenizeCardInput {
+	card := req.GetCard()
+	if card != nil {
+		return &tokenizeCardInput{
+			pan:    strings.TrimSpace(card.GetPan()),
+			month:  card.GetExpMonth(),
+			year:   card.GetExpYear(),
+			holder: strings.TrimSpace(card.GetCardHolder()),
+			cvv:    strings.TrimSpace(card.GetCvv()),
+		}
+	}
+	return &tokenizeCardInput{
+		pan:    strings.TrimSpace(req.GetCardPan()),
+		month:  req.GetCardExpMonth(),
+		year:   req.GetCardExpYear(),
+		holder: strings.TrimSpace(req.GetCardHolder()),
+		cvv:    strings.TrimSpace(req.GetCardCvv()),
+	}
+}
+
+func expired(month uint32, year uint32) bool {
+	now := time.Now()
+	y := int(year)
+	m := time.Month(month)
+	// Normalize 2-digit years: assume 2000-2099.
+	if y < 100 {
+		y += 2000
+	}
+	expiry := time.Date(y, m, 1, 0, 0, 0, 0, time.UTC).AddDate(0, 1, -1)
+	return now.After(expiry)
+}

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

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

api/gateway/aurora/internal/service/gateway/connector.go

@@ -0,0 +1,388 @@
+package gateway
+
+import (
+	"context"
+	"errors"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/gateway/aurora/internal/appversion"
+	"github.com/tech/sendico/pkg/connector/params"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/types/known/structpb"
+)
+
+const connectorTypeID = "mntx"
+
+func (s *Service) GetCapabilities(_ context.Context, _ *connectorv1.GetCapabilitiesRequest) (*connectorv1.GetCapabilitiesResponse, error) {
+	return &connectorv1.GetCapabilitiesResponse{
+		Capabilities: &connectorv1.ConnectorCapabilities{
+			ConnectorType:           connectorTypeID,
+			Version:                 appversion.Create().Short(),
+			SupportedAccountKinds:   nil,
+			SupportedOperationTypes: []connectorv1.OperationType{connectorv1.OperationType_PAYOUT},
+			OperationParams:         connectorOperationParams(),
+		},
+	}, nil
+}
+
+func (s *Service) OpenAccount(_ context.Context, _ *connectorv1.OpenAccountRequest) (*connectorv1.OpenAccountResponse, error) {
+	return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND, "open_account: unsupported", nil, "")}, nil
+}
+
+func (s *Service) GetAccount(_ context.Context, _ *connectorv1.GetAccountRequest) (*connectorv1.GetAccountResponse, error) {
+	return nil, merrors.NotImplemented("get_account: unsupported")
+}
+
+func (s *Service) ListAccounts(_ context.Context, _ *connectorv1.ListAccountsRequest) (*connectorv1.ListAccountsResponse, error) {
+	return nil, merrors.NotImplemented("list_accounts: unsupported")
+}
+
+func (s *Service) GetBalance(_ context.Context, _ *connectorv1.GetBalanceRequest) (*connectorv1.GetBalanceResponse, error) {
+	return nil, merrors.NotImplemented("get_balance: unsupported")
+}
+
+func (s *Service) SubmitOperation(ctx context.Context, req *connectorv1.SubmitOperationRequest) (*connectorv1.SubmitOperationResponse, error) {
+	if req == nil || req.GetOperation() == nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: operation is required", nil, "")}}, nil
+	}
+	op := req.GetOperation()
+	idempotencyKey := strings.TrimSpace(op.GetIdempotencyKey())
+	if idempotencyKey == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: idempotency_key is required", op, "")}}, nil
+	}
+	operationRef := strings.TrimSpace(op.GetOperationRef())
+	if operationRef == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: operation_ref is required", op, "")}}, nil
+	}
+	intentRef := strings.TrimSpace(op.GetIntentRef())
+	if intentRef == "" {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: intent_ref is required", op, "")}}, nil
+	}
+	if op.GetType() != connectorv1.OperationType_PAYOUT {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_OPERATION, "submit_operation: unsupported operation type", op, "")}}, nil
+	}
+	reader := params.New(op.GetParams())
+	amountMinor, currency, err := payoutAmount(op, reader)
+	if err != nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+	}
+	parentPaymentRef := strings.TrimSpace(reader.String("parent_payment_ref"))
+
+	payoutID := operationIDForRequest(operationRef)
+
+	if strings.TrimSpace(reader.String("card_token")) != "" {
+		resp, err := s.CreateCardTokenPayout(ctx, buildCardTokenPayoutRequestFromParams(reader, payoutID, parentPaymentRef, idempotencyKey, operationRef, intentRef, amountMinor, currency))
+		if err != nil {
+			return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+		}
+		return &connectorv1.SubmitOperationResponse{Receipt: payoutReceipt(resp.GetPayout())}, nil
+	}
+	cr := buildCardPayoutRequestFromParams(reader, payoutID, parentPaymentRef, idempotencyKey, operationRef, intentRef, amountMinor, currency)
+	resp, err := s.CreateCardPayout(ctx, cr)
+	if err != nil {
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+	}
+	return &connectorv1.SubmitOperationResponse{Receipt: payoutReceipt(resp.GetPayout())}, nil
+}
+
+func (s *Service) GetOperation(ctx context.Context, req *connectorv1.GetOperationRequest) (*connectorv1.GetOperationResponse, error) {
+	if req == nil || strings.TrimSpace(req.GetOperationId()) == "" {
+		return nil, merrors.InvalidArgument("get_operation: operation_id is required")
+	}
+
+	operationRef := strings.TrimSpace(req.GetOperationId())
+	if s.storage == nil || s.storage.Payouts() == nil {
+		return nil, merrors.Internal("get_operation: storage is not configured")
+	}
+
+	payout, err := s.storage.Payouts().FindByOperationRef(ctx, operationRef)
+	if err != nil {
+		return nil, err
+	}
+	if payout == nil {
+		return nil, merrors.NoData("payout not found")
+	}
+
+	return &connectorv1.GetOperationResponse{Operation: payoutToOperation(StateToProto(payout))}, nil
+}
+
+func (s *Service) ListOperations(_ context.Context, _ *connectorv1.ListOperationsRequest) (*connectorv1.ListOperationsResponse, error) {
+	return nil, merrors.NotImplemented("list_operations: unsupported")
+}
+
+func connectorOperationParams() []*connectorv1.OperationParamSpec {
+	return []*connectorv1.OperationParamSpec{
+		{OperationType: connectorv1.OperationType_PAYOUT, Params: []*connectorv1.ParamSpec{
+			{Key: "customer_id", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "customer_first_name", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "customer_last_name", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "customer_ip", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "card_token", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "card_pan", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "card_exp_year", Type: connectorv1.ParamType_INT, Required: false},
+			{Key: "card_exp_month", Type: connectorv1.ParamType_INT, Required: false},
+			{Key: "card_holder", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "amount_minor", Type: connectorv1.ParamType_INT, Required: false},
+			{Key: "project_id", Type: connectorv1.ParamType_INT, Required: false},
+			{Key: "parent_payment_ref", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "customer_middle_name", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_country", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_state", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_city", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_address", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "customer_zip", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "masked_pan", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false},
+		}},
+	}
+}
+
+func payoutAmount(op *connectorv1.Operation, reader params.Reader) (int64, string, error) {
+	if op == nil {
+		return 0, "", merrors.InvalidArgument("payout: operation is required")
+	}
+	currency := currencyFromOperation(op)
+	if currency == "" {
+		return 0, "", merrors.InvalidArgument("payout: currency is required")
+	}
+	if minor, ok := reader.Int64("amount_minor"); ok && minor > 0 {
+		return minor, currency, nil
+	}
+	money := op.GetMoney()
+	if money == nil {
+		return 0, "", merrors.InvalidArgument("payout: money is required")
+	}
+	amount := strings.TrimSpace(money.GetAmount())
+	if amount == "" {
+		return 0, "", merrors.InvalidArgument("payout: amount is required")
+	}
+	dec, err := decimal.NewFromString(amount)
+	if err != nil {
+		return 0, "", merrors.InvalidArgument("payout: invalid amount")
+	}
+	minor := dec.Mul(decimal.NewFromInt(100)).IntPart()
+	return minor, currency, nil
+}
+
+func currencyFromOperation(op *connectorv1.Operation) string {
+	if op == nil || op.GetMoney() == nil {
+		return ""
+	}
+	currency := strings.TrimSpace(op.GetMoney().GetCurrency())
+	if idx := strings.Index(currency, "-"); idx > 0 {
+		currency = currency[:idx]
+	}
+	return strings.ToUpper(currency)
+}
+
+func operationIDForRequest(operationRef string) string {
+	return strings.TrimSpace(operationRef)
+}
+
+func metadataFromReader(reader params.Reader) map[string]string {
+	metadata := reader.StringMap("metadata")
+	if len(metadata) == 0 {
+		return nil
+	}
+	return metadata
+}
+
+func buildCardTokenPayoutRequestFromParams(reader params.Reader,
+	payoutID, parentPaymentRef, idempotencyKey, operationRef, intentRef string,
+	amountMinor int64, currency string) *mntxv1.CardTokenPayoutRequest {
+	operationRef = strings.TrimSpace(operationRef)
+	payoutID = strings.TrimSpace(payoutID)
+	if operationRef != "" {
+		payoutID = ""
+	}
+	req := &mntxv1.CardTokenPayoutRequest{
+		PayoutId:           payoutID,
+		ParentPaymentRef:   strings.TrimSpace(parentPaymentRef),
+		ProjectId:          readerInt64(reader, "project_id"),
+		CustomerId:         strings.TrimSpace(reader.String("customer_id")),
+		CustomerFirstName:  strings.TrimSpace(reader.String("customer_first_name")),
+		CustomerMiddleName: strings.TrimSpace(reader.String("customer_middle_name")),
+		CustomerLastName:   strings.TrimSpace(reader.String("customer_last_name")),
+		CustomerIp:         strings.TrimSpace(reader.String("customer_ip")),
+		CustomerZip:        strings.TrimSpace(reader.String("customer_zip")),
+		CustomerCountry:    strings.TrimSpace(reader.String("customer_country")),
+		CustomerState:      strings.TrimSpace(reader.String("customer_state")),
+		CustomerCity:       strings.TrimSpace(reader.String("customer_city")),
+		CustomerAddress:    strings.TrimSpace(reader.String("customer_address")),
+		AmountMinor:        amountMinor,
+		Currency:           currency,
+		CardToken:          strings.TrimSpace(reader.String("card_token")),
+		CardHolder:         strings.TrimSpace(reader.String("card_holder")),
+		MaskedPan:          strings.TrimSpace(reader.String("masked_pan")),
+		Metadata:           metadataFromReader(reader),
+		OperationRef:       operationRef,
+		IdempotencyKey:     strings.TrimSpace(idempotencyKey),
+		IntentRef:          strings.TrimSpace(intentRef),
+	}
+	return req
+}
+
+func buildCardPayoutRequestFromParams(reader params.Reader,
+	payoutID, parentPaymentRef, idempotencyKey, operationRef, intentRef string,
+	amountMinor int64, currency string) *mntxv1.CardPayoutRequest {
+	operationRef = strings.TrimSpace(operationRef)
+	payoutID = strings.TrimSpace(payoutID)
+	if operationRef != "" {
+		payoutID = ""
+	}
+	return &mntxv1.CardPayoutRequest{
+		PayoutId:           payoutID,
+		ParentPaymentRef:   strings.TrimSpace(parentPaymentRef),
+		ProjectId:          readerInt64(reader, "project_id"),
+		CustomerId:         strings.TrimSpace(reader.String("customer_id")),
+		CustomerFirstName:  strings.TrimSpace(reader.String("customer_first_name")),
+		CustomerMiddleName: strings.TrimSpace(reader.String("customer_middle_name")),
+		CustomerLastName:   strings.TrimSpace(reader.String("customer_last_name")),
+		CustomerIp:         strings.TrimSpace(reader.String("customer_ip")),
+		CustomerZip:        strings.TrimSpace(reader.String("customer_zip")),
+		CustomerCountry:    strings.TrimSpace(reader.String("customer_country")),
+		CustomerState:      strings.TrimSpace(reader.String("customer_state")),
+		CustomerCity:       strings.TrimSpace(reader.String("customer_city")),
+		CustomerAddress:    strings.TrimSpace(reader.String("customer_address")),
+		AmountMinor:        amountMinor,
+		Currency:           currency,
+		CardPan:            strings.TrimSpace(reader.String("card_pan")),
+		CardExpYear:        uint32(readerInt64(reader, "card_exp_year")),
+		CardExpMonth:       uint32(readerInt64(reader, "card_exp_month")),
+		CardHolder:         strings.TrimSpace(reader.String("card_holder")),
+		Metadata:           metadataFromReader(reader),
+		OperationRef:       operationRef,
+		IdempotencyKey:     strings.TrimSpace(idempotencyKey),
+		IntentRef:          strings.TrimSpace(intentRef),
+	}
+}
+
+func readerInt64(reader params.Reader, key string) int64 {
+	if v, ok := reader.Int64(key); ok {
+		return v
+	}
+	return 0
+}
+
+func payoutReceipt(state *mntxv1.CardPayoutState) *connectorv1.OperationReceipt {
+	if state == nil {
+		return &connectorv1.OperationReceipt{
+			Status: connectorv1.OperationStatus_OPERATION_PROCESSING,
+		}
+	}
+	return &connectorv1.OperationReceipt{
+		OperationId: firstNonEmpty(strings.TrimSpace(state.GetOperationRef()), strings.TrimSpace(state.GetPayoutId())),
+		Status:      payoutStatusToOperation(state.GetStatus()),
+		ProviderRef: strings.TrimSpace(state.GetProviderPaymentId()),
+	}
+}
+
+func payoutToOperation(state *mntxv1.CardPayoutState) *connectorv1.Operation {
+	if state == nil {
+		return nil
+	}
+	op := &connectorv1.Operation{
+		OperationId: firstNonEmpty(strings.TrimSpace(state.GetOperationRef()), strings.TrimSpace(state.GetPayoutId())),
+		Type:        connectorv1.OperationType_PAYOUT,
+		Status:      payoutStatusToOperation(state.GetStatus()),
+		Money: &moneyv1.Money{
+			Amount:   minorToDecimal(state.GetAmountMinor()),
+			Currency: strings.ToUpper(strings.TrimSpace(state.GetCurrency())),
+		},
+		ProviderRef:  strings.TrimSpace(state.GetProviderPaymentId()),
+		IntentRef:    strings.TrimSpace(state.GetIntentRef()),
+		OperationRef: strings.TrimSpace(state.GetOperationRef()),
+		CreatedAt:    state.GetCreatedAt(),
+		UpdatedAt:    state.GetUpdatedAt(),
+	}
+
+	params := map[string]interface{}{}
+	if paymentRef := strings.TrimSpace(state.GetParentPaymentRef()); paymentRef != "" {
+		params["payment_ref"] = paymentRef
+		params["parent_payment_ref"] = paymentRef
+	}
+	if providerCode := strings.TrimSpace(state.GetProviderCode()); providerCode != "" {
+		params["provider_code"] = providerCode
+	}
+	if providerMessage := strings.TrimSpace(state.GetProviderMessage()); providerMessage != "" {
+		params["provider_message"] = providerMessage
+		params["failure_reason"] = providerMessage
+	}
+	if len(params) > 0 {
+		op.Params = structFromMap(params)
+	}
+
+	return op
+}
+
+func minorToDecimal(amount int64) string {
+	dec := decimal.NewFromInt(amount).Div(decimal.NewFromInt(100))
+	return dec.StringFixed(2)
+}
+
+func payoutStatusToOperation(status mntxv1.PayoutStatus) connectorv1.OperationStatus {
+	switch status {
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_CREATED:
+		return connectorv1.OperationStatus_OPERATION_CREATED
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING:
+		return connectorv1.OperationStatus_OPERATION_WAITING
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_SUCCESS:
+		return connectorv1.OperationStatus_OPERATION_SUCCESS
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED:
+		return connectorv1.OperationStatus_OPERATION_FAILED
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_CANCELLED:
+		return connectorv1.OperationStatus_OPERATION_CANCELLED
+
+	default:
+		return connectorv1.OperationStatus_OPERATION_STATUS_UNSPECIFIED
+	}
+}
+
+func structFromMap(values map[string]interface{}) *structpb.Struct {
+	if len(values) == 0 {
+		return nil
+	}
+	result, err := structpb.NewStruct(values)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func connectorError(code connectorv1.ErrorCode, message string, op *connectorv1.Operation, accountID string) *connectorv1.ConnectorError {
+	err := &connectorv1.ConnectorError{
+		Code:      code,
+		Message:   strings.TrimSpace(message),
+		AccountId: strings.TrimSpace(accountID),
+	}
+	if op != nil {
+		err.CorrelationId = strings.TrimSpace(op.GetCorrelationId())
+		err.ParentIntentId = strings.TrimSpace(op.GetParentIntentId())
+		err.OperationId = strings.TrimSpace(op.GetOperationId())
+	}
+	return err
+}
+
+func mapErrorCode(err error) connectorv1.ErrorCode {
+	switch {
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return connectorv1.ErrorCode_INVALID_PARAMS
+	case errors.Is(err, merrors.ErrNoData):
+		return connectorv1.ErrorCode_NOT_FOUND
+	case errors.Is(err, merrors.ErrNotImplemented):
+		return connectorv1.ErrorCode_UNSUPPORTED_OPERATION
+	case errors.Is(err, merrors.ErrInternal):
+		return connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE
+	default:
+		return connectorv1.ErrorCode_PROVIDER_ERROR
+	}
+}

api/gateway/aurora/internal/service/gateway/helpers.go

@@ -0,0 +1,99 @@
+package gateway
+
+import (
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+func tsOrNow(clock clockpkg.Clock, ts *timestamppb.Timestamp) time.Time {
+	if ts == nil {
+		return clock.Now()
+	}
+	return ts.AsTime()
+}
+
+func CardPayoutStateFromProto(clock clockpkg.Clock, p *mntxv1.CardPayoutState) *model.CardPayout {
+	if p == nil {
+		return nil
+	}
+
+	return &model.CardPayout{
+		PaymentRef:        strings.TrimSpace(p.GetParentPaymentRef()),
+		OperationRef:      p.GetOperationRef(),
+		IntentRef:         p.GetIntentRef(),
+		IdempotencyKey:    p.GetIdempotencyKey(),
+		ProjectID:         p.ProjectId,
+		CustomerID:        p.CustomerId,
+		AmountMinor:       p.AmountMinor,
+		Currency:          p.Currency,
+		Status:            payoutStatusFromProto(p.Status),
+		ProviderCode:      p.ProviderCode,
+		ProviderMessage:   p.ProviderMessage,
+		ProviderPaymentID: p.ProviderPaymentId,
+		CreatedAt:         tsOrNow(clock, p.CreatedAt),
+		UpdatedAt:         tsOrNow(clock, p.UpdatedAt),
+	}
+}
+
+func StateToProto(m *model.CardPayout) *mntxv1.CardPayoutState {
+	return &mntxv1.CardPayoutState{
+		PayoutId:          firstNonEmpty(m.OperationRef, m.PaymentRef),
+		ParentPaymentRef:  m.PaymentRef,
+		ProjectId:         m.ProjectID,
+		CustomerId:        m.CustomerID,
+		AmountMinor:       m.AmountMinor,
+		Currency:          m.Currency,
+		Status:            payoutStatusToProto(m.Status),
+		ProviderCode:      m.ProviderCode,
+		ProviderMessage:   m.ProviderMessage,
+		ProviderPaymentId: m.ProviderPaymentID,
+		CreatedAt:         timestamppb.New(m.CreatedAt),
+		UpdatedAt:         timestamppb.New(m.UpdatedAt),
+	}
+}
+
+func payoutStatusToProto(s model.PayoutStatus) mntxv1.PayoutStatus {
+	switch s {
+	case model.PayoutStatusCreated:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_CREATED
+	case model.PayoutStatusProcessing:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING
+	case model.PayoutStatusWaiting:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING
+	case model.PayoutStatusSuccess:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_SUCCESS
+	case model.PayoutStatusFailed:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+	case model.PayoutStatusCancelled:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_CANCELLED
+	default:
+		return mntxv1.PayoutStatus_PAYOUT_STATUS_CREATED
+	}
+}
+
+func payoutStatusFromProto(s mntxv1.PayoutStatus) model.PayoutStatus {
+	switch s {
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_CREATED:
+		return model.PayoutStatusCreated
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_WAITING:
+		return model.PayoutStatusWaiting
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_SUCCESS:
+		return model.PayoutStatusSuccess
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED:
+		return model.PayoutStatusFailed
+
+	case mntxv1.PayoutStatus_PAYOUT_STATUS_CANCELLED:
+		return model.PayoutStatusCancelled
+
+	default:
+		return model.PayoutStatusCreated
+	}
+}

api/gateway/aurora/internal/service/gateway/instances.go

@@ -0,0 +1,62 @@
+package gateway
+
+import (
+	"context"
+
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/proto"
+)
+
+// ListGatewayInstances exposes the Aurora gateway instance descriptors.
+func (s *Service) ListGatewayInstances(ctx context.Context, req *mntxv1.ListGatewayInstancesRequest) (*mntxv1.ListGatewayInstancesResponse, error) {
+	return executeUnary(ctx, s, "ListGatewayInstances", s.handleListGatewayInstances, req)
+}
+
+func (s *Service) handleListGatewayInstances(_ context.Context, _ *mntxv1.ListGatewayInstancesRequest) gsresponse.Responder[mntxv1.ListGatewayInstancesResponse] {
+	items := make([]*gatewayv1.GatewayInstanceDescriptor, 0, 1)
+	if s.gatewayDescriptor != nil {
+		items = append(items, cloneGatewayDescriptor(s.gatewayDescriptor))
+	}
+	return gsresponse.Success(&mntxv1.ListGatewayInstancesResponse{Items: items})
+}
+
+func cloneGatewayDescriptor(src *gatewayv1.GatewayInstanceDescriptor) *gatewayv1.GatewayInstanceDescriptor {
+	if src == nil {
+		return nil
+	}
+	cp := proto.Clone(src).(*gatewayv1.GatewayInstanceDescriptor)
+	if src.Currencies != nil {
+		cp.Currencies = append([]string(nil), src.Currencies...)
+	}
+	if src.Capabilities != nil {
+		cp.Capabilities = proto.Clone(src.Capabilities).(*gatewayv1.RailCapabilities)
+	}
+	if src.Limits != nil {
+		limits := &gatewayv1.Limits{}
+		if src.Limits.VolumeLimit != nil {
+			limits.VolumeLimit = map[string]string{}
+			for key, value := range src.Limits.VolumeLimit {
+				limits.VolumeLimit[key] = value
+			}
+		}
+		if src.Limits.VelocityLimit != nil {
+			limits.VelocityLimit = map[string]int32{}
+			for key, value := range src.Limits.VelocityLimit {
+				limits.VelocityLimit[key] = value
+			}
+		}
+		if src.Limits.CurrencyLimits != nil {
+			limits.CurrencyLimits = map[string]*gatewayv1.LimitsOverride{}
+			for key, value := range src.Limits.CurrencyLimits {
+				if value == nil {
+					continue
+				}
+				limits.CurrencyLimits[key] = proto.Clone(value).(*gatewayv1.LimitsOverride)
+			}
+		}
+		cp.Limits = limits
+	}
+	return cp
+}

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

@@ -0,0 +1,66 @@
+package gateway
+
+import (
+	"errors"
+	"sync"
+	"time"
+
+	"github.com/prometheus/client_golang/prometheus"
+	"github.com/prometheus/client_golang/prometheus/promauto"
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+var (
+	metricsOnce sync.Once
+
+	rpcLatency *prometheus.HistogramVec
+	rpcStatus  *prometheus.CounterVec
+)
+
+func initMetrics() {
+	metricsOnce.Do(func() {
+		rpcLatency = promauto.NewHistogramVec(prometheus.HistogramOpts{
+			Namespace: "sendico",
+			Subsystem: "aurora_gateway",
+			Name:      "rpc_latency_seconds",
+			Help:      "Latency distribution for Aurora gateway RPC handlers.",
+			Buckets:   prometheus.DefBuckets,
+		}, []string{"method"})
+
+		rpcStatus = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "aurora_gateway",
+			Name:      "rpc_requests_total",
+			Help:      "Total number of RPC invocations grouped by method and status.",
+		}, []string{"method", "status"})
+
+	})
+}
+
+func observeRPC(method string, err error, duration time.Duration) {
+	if rpcLatency != nil {
+		rpcLatency.WithLabelValues(method).Observe(duration.Seconds())
+	}
+	if rpcStatus != nil {
+		rpcStatus.WithLabelValues(method, statusLabel(err)).Inc()
+	}
+}
+
+func statusLabel(err error) string {
+	switch {
+	case err == nil:
+		return "ok"
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return "invalid_argument"
+	case errors.Is(err, merrors.ErrNoData):
+		return "not_found"
+	case errors.Is(err, merrors.ErrDataConflict):
+		return "conflict"
+	case errors.Is(err, merrors.ErrAccessDenied):
+		return "denied"
+	case errors.Is(err, merrors.ErrInternal):
+		return "internal"
+	default:
+		return "error"
+	}
+}

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

@@ -0,0 +1,86 @@
+package gateway
+
+import (
+	"net/http"
+	"strings"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/gateway/aurora/storage"
+	"github.com/tech/sendico/pkg/clock"
+	msg "github.com/tech/sendico/pkg/messaging"
+	pmodel "github.com/tech/sendico/pkg/model"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
+)
+
+// Option configures optional service dependencies.
+type Option func(*Service)
+
+// WithClock injects a custom clock (useful for tests).
+func WithClock(c clock.Clock) Option {
+	return func(s *Service) {
+		if c != nil {
+			s.clock = c
+		}
+	}
+}
+
+// WithProducer attaches a messaging producer to the service.
+func WithProducer(p msg.Producer) Option {
+	return func(s *Service) {
+		s.producer = p
+	}
+}
+
+func WithStorage(storage storage.Repository) Option {
+	return func(s *Service) {
+		s.storage = storage
+	}
+}
+
+// WithHTTPClient injects a custom HTTP client (useful for tests).
+func WithHTTPClient(client *http.Client) Option {
+	return func(s *Service) {
+		if client != nil {
+			s.httpClient = client
+		}
+	}
+}
+
+// WithProviderConfig sets provider integration options.
+func WithProviderConfig(cfg provider.Config) Option {
+	return func(s *Service) {
+		s.config = cfg
+	}
+}
+
+// WithGatewayDescriptor sets the self-declared gateway instance descriptor.
+func WithGatewayDescriptor(descriptor *gatewayv1.GatewayInstanceDescriptor) Option {
+	return func(s *Service) {
+		if descriptor != nil {
+			s.gatewayDescriptor = descriptor
+		}
+	}
+}
+
+// WithDiscoveryInvokeURI sets the invoke URI used when announcing the gateway.
+func WithDiscoveryInvokeURI(invokeURI string) Option {
+	return func(s *Service) {
+		s.invokeURI = strings.TrimSpace(invokeURI)
+	}
+}
+
+// WithMessagingSettings applies messaging driver settings.
+func WithMessagingSettings(settings pmodel.SettingsT) Option {
+	return func(s *Service) {
+		if settings != nil {
+			s.msgCfg = settings
+		}
+	}
+}
+
+// WithStrictOperationIsolation serialises payout processing to one unresolved operation at a time.
+func WithStrictOperationIsolation(enabled bool) Option {
+	return func(s *Service) {
+		s.strictIsolation = enabled
+	}
+}

api/gateway/aurora/internal/service/gateway/outbox_reliable.go

@@ -0,0 +1,50 @@
+package gateway
+
+import (
+	"context"
+
+	gatewayoutbox "github.com/tech/sendico/gateway/common/outbox"
+	"github.com/tech/sendico/pkg/db/transaction"
+	me "github.com/tech/sendico/pkg/messaging/envelope"
+)
+
+type outboxProvider interface {
+	Outbox() gatewayoutbox.Store
+}
+
+type transactionProvider interface {
+	TransactionFactory() transaction.Factory
+}
+
+func (p *cardPayoutProcessor) outboxStore() gatewayoutbox.Store {
+	provider, ok := p.store.(outboxProvider)
+	if !ok || provider == nil {
+		return nil
+	}
+	return provider.Outbox()
+}
+
+func (p *cardPayoutProcessor) startOutboxReliableProducer() error {
+	if p == nil || p.outbox == nil {
+		return nil
+	}
+	return p.outbox.Start(p.logger, p.producer, p.outboxStore(), p.msgCfg)
+}
+
+func (p *cardPayoutProcessor) sendWithOutbox(ctx context.Context, env me.Envelope) error {
+	if err := p.startOutboxReliableProducer(); err != nil {
+		return err
+	}
+	if p.outbox == nil {
+		return nil
+	}
+	return p.outbox.Send(ctx, env)
+}
+
+func (p *cardPayoutProcessor) executeTransaction(ctx context.Context, cb transaction.Callback) (any, error) {
+	provider, ok := p.store.(transactionProvider)
+	if !ok || provider == nil || provider.TransactionFactory() == nil {
+		return cb(ctx)
+	}
+	return provider.TransactionFactory().CreateTransaction().Execute(ctx, cb)
+}

api/gateway/aurora/internal/service/gateway/payout_execution_mode.go

@@ -0,0 +1,168 @@
+package gateway
+
+import (
+	"context"
+	"errors"
+	"strings"
+	"sync"
+
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+)
+
+const (
+	payoutExecutionModeDefaultName        = "default"
+	payoutExecutionModeStrictIsolatedName = "strict_isolated"
+)
+
+var errPayoutExecutionModeStopped = errors.New("payout execution mode stopped")
+
+type payoutExecutionMode interface {
+	Name() string
+	BeforeDispatch(ctx context.Context, operationRef string) error
+	OnPersistedState(operationRef string, status model.PayoutStatus)
+	Shutdown()
+}
+
+type defaultPayoutExecutionMode struct{}
+
+func newDefaultPayoutExecutionMode() payoutExecutionMode {
+	return &defaultPayoutExecutionMode{}
+}
+
+func (m *defaultPayoutExecutionMode) Name() string {
+	return payoutExecutionModeDefaultName
+}
+
+func (m *defaultPayoutExecutionMode) BeforeDispatch(_ context.Context, _ string) error {
+	return nil
+}
+
+func (m *defaultPayoutExecutionMode) OnPersistedState(_ string, _ model.PayoutStatus) {}
+
+func (m *defaultPayoutExecutionMode) Shutdown() {}
+
+type strictIsolatedPayoutExecutionMode struct {
+	mu              sync.Mutex
+	activeOperation string
+	waitCh          chan struct{}
+	stopped         bool
+}
+
+func newStrictIsolatedPayoutExecutionMode() payoutExecutionMode {
+	return &strictIsolatedPayoutExecutionMode{
+		waitCh: make(chan struct{}),
+	}
+}
+
+func (m *strictIsolatedPayoutExecutionMode) Name() string {
+	return payoutExecutionModeStrictIsolatedName
+}
+
+func (m *strictIsolatedPayoutExecutionMode) BeforeDispatch(ctx context.Context, operationRef string) error {
+	opRef := strings.TrimSpace(operationRef)
+	if opRef == "" {
+		return nil
+	}
+	if ctx == nil {
+		ctx = context.Background()
+	}
+
+	for {
+		waitCh, allowed, err := m.tryAcquire(opRef)
+		if allowed {
+			return nil
+		}
+		if err != nil {
+			return err
+		}
+		select {
+		case <-ctx.Done():
+			return ctx.Err()
+		case <-waitCh:
+		}
+	}
+}
+
+func (m *strictIsolatedPayoutExecutionMode) OnPersistedState(operationRef string, status model.PayoutStatus) {
+	opRef := strings.TrimSpace(operationRef)
+	if opRef == "" {
+		return
+	}
+
+	m.mu.Lock()
+	defer m.mu.Unlock()
+	if m.stopped {
+		return
+	}
+
+	if isFinalPayoutStatus(status) {
+		if m.activeOperation == opRef {
+			m.activeOperation = ""
+			m.signalLocked()
+		}
+		return
+	}
+
+	if m.activeOperation == "" {
+		m.activeOperation = opRef
+		m.signalLocked()
+	}
+}
+
+func (m *strictIsolatedPayoutExecutionMode) Shutdown() {
+	m.mu.Lock()
+	defer m.mu.Unlock()
+	if m.stopped {
+		return
+	}
+	m.stopped = true
+	m.activeOperation = ""
+	m.signalLocked()
+}
+
+func (m *strictIsolatedPayoutExecutionMode) tryAcquire(operationRef string) (<-chan struct{}, bool, error) {
+	m.mu.Lock()
+	defer m.mu.Unlock()
+
+	if m.stopped {
+		return nil, false, errPayoutExecutionModeStopped
+	}
+
+	switch owner := strings.TrimSpace(m.activeOperation); {
+	case owner == "":
+		m.activeOperation = operationRef
+		m.signalLocked()
+		return nil, true, nil
+	case owner == operationRef:
+		return nil, true, nil
+	default:
+		return m.waitCh, false, nil
+	}
+}
+
+func (m *strictIsolatedPayoutExecutionMode) signalLocked() {
+	if m.waitCh == nil {
+		m.waitCh = make(chan struct{})
+		return
+	}
+	close(m.waitCh)
+	m.waitCh = make(chan struct{})
+}
+
+func normalizePayoutExecutionMode(mode payoutExecutionMode) payoutExecutionMode {
+	if mode == nil {
+		return newDefaultPayoutExecutionMode()
+	}
+	return mode
+}
+
+func payoutExecutionModeName(mode payoutExecutionMode) string {
+	if mode == nil {
+		return payoutExecutionModeDefaultName
+	}
+	name := strings.TrimSpace(mode.Name())
+	if name == "" {
+		return payoutExecutionModeDefaultName
+	}
+	return name
+}

api/gateway/aurora/internal/service/gateway/payout_execution_mode_test.go

@@ -0,0 +1,58 @@
+package gateway
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+)
+
+func TestStrictIsolatedPayoutExecutionMode_BlocksOtherOperationUntilFinalStatus(t *testing.T) {
+	mode := newStrictIsolatedPayoutExecutionMode()
+	if err := mode.BeforeDispatch(context.Background(), "op-1"); err != nil {
+		t.Fatalf("first acquire failed: %v", err)
+	}
+
+	waitCtx, waitCancel := context.WithTimeout(context.Background(), time.Second)
+	defer waitCancel()
+	secondDone := make(chan error, 1)
+	go func() {
+		secondDone <- mode.BeforeDispatch(waitCtx, "op-2")
+	}()
+
+	select {
+	case err := <-secondDone:
+		t.Fatalf("second operation should be blocked before final status, got err=%v", err)
+	case <-time.After(80 * time.Millisecond):
+	}
+
+	mode.OnPersistedState("op-1", model.PayoutStatusWaiting)
+
+	select {
+	case err := <-secondDone:
+		t.Fatalf("second operation should remain blocked on non-final status, got err=%v", err)
+	case <-time.After(80 * time.Millisecond):
+	}
+
+	mode.OnPersistedState("op-1", model.PayoutStatusSuccess)
+
+	select {
+	case err := <-secondDone:
+		if err != nil {
+			t.Fatalf("second operation should proceed after final status, got err=%v", err)
+		}
+	case <-time.After(time.Second):
+		t.Fatalf("timeout waiting for second operation to proceed")
+	}
+}
+
+func TestStrictIsolatedPayoutExecutionMode_AllowsSameOperationReentry(t *testing.T) {
+	mode := newStrictIsolatedPayoutExecutionMode()
+	if err := mode.BeforeDispatch(context.Background(), "op-1"); err != nil {
+		t.Fatalf("first acquire failed: %v", err)
+	}
+	if err := mode.BeforeDispatch(context.Background(), "op-1"); err != nil {
+		t.Fatalf("same operation should be re-entrant, got err=%v", err)
+	}
+}

api/gateway/aurora/internal/service/gateway/payout_failure_policy.go

@@ -0,0 +1,87 @@
+package gateway
+
+import (
+	"strings"
+)
+
+const (
+	providerCodeDeclineAmountOrFrequencyLimit = "10101"
+)
+
+type payoutFailureAction int
+
+const (
+	payoutFailureActionFail payoutFailureAction = iota + 1
+	payoutFailureActionRetry
+)
+
+type payoutFailureDecision struct {
+	Action payoutFailureAction
+	Reason string
+}
+
+type payoutFailurePolicy struct {
+	providerCodeActions map[string]payoutFailureAction
+}
+
+func defaultPayoutFailurePolicy() payoutFailurePolicy {
+	return payoutFailurePolicy{
+		providerCodeActions: map[string]payoutFailureAction{
+			providerCodeDeclineAmountOrFrequencyLimit: payoutFailureActionRetry,
+		},
+	}
+}
+
+func (p payoutFailurePolicy) decideProviderFailure(code string) payoutFailureDecision {
+	normalized := strings.TrimSpace(code)
+	if normalized == "" {
+		return payoutFailureDecision{
+			Action: payoutFailureActionFail,
+			Reason: "provider_failure",
+		}
+	}
+	if action, ok := p.providerCodeActions[normalized]; ok {
+		return payoutFailureDecision{
+			Action: action,
+			Reason: "provider_code_" + normalized,
+		}
+	}
+	return payoutFailureDecision{
+		Action: payoutFailureActionFail,
+		Reason: "provider_code_" + normalized,
+	}
+}
+
+func (p payoutFailurePolicy) decideTransportFailure() payoutFailureDecision {
+	return payoutFailureDecision{
+		Action: payoutFailureActionRetry,
+		Reason: "transport_failure",
+	}
+}
+
+func payoutFailureReason(code, message string) string {
+	cleanCode := strings.TrimSpace(code)
+	cleanMessage := strings.TrimSpace(message)
+	switch {
+	case cleanCode != "" && cleanMessage != "":
+		return cleanCode + ": " + cleanMessage
+	case cleanCode != "":
+		return cleanCode
+	default:
+		return cleanMessage
+	}
+}
+
+func retryDelayForAttempt(attempt uint32) int {
+	// Backoff in seconds by attempt number (attempt starts at 1).
+	switch {
+	case attempt <= 1:
+		return 5
+	case attempt == 2:
+		return 15
+	case attempt == 3:
+		return 30
+	default:
+		return 60
+	}
+}

api/gateway/aurora/internal/service/gateway/payout_failure_policy_test.go

@@ -0,0 +1,52 @@
+package gateway
+
+import "testing"
+
+func TestPayoutFailurePolicy_DecideProviderFailure(t *testing.T) {
+	policy := defaultPayoutFailurePolicy()
+
+	cases := []struct {
+		name   string
+		code   string
+		action payoutFailureAction
+	}{
+		{
+			name:   "retryable provider limit code",
+			code:   providerCodeDeclineAmountOrFrequencyLimit,
+			action: payoutFailureActionRetry,
+		},
+		{
+			name:   "unknown provider code",
+			code:   "99999",
+			action: payoutFailureActionFail,
+		},
+		{
+			name:   "empty provider code",
+			code:   "",
+			action: payoutFailureActionFail,
+		},
+	}
+
+	for _, tc := range cases {
+		tc := tc
+		t.Run(tc.name, func(t *testing.T) {
+			t.Helper()
+			got := policy.decideProviderFailure(tc.code)
+			if got.Action != tc.action {
+				t.Fatalf("action mismatch: got=%v want=%v", got.Action, tc.action)
+			}
+		})
+	}
+}
+
+func TestPayoutFailureReason(t *testing.T) {
+	if got, want := payoutFailureReason("10101", "Decline due to amount or frequency limit"), "10101: Decline due to amount or frequency limit"; got != want {
+		t.Fatalf("failure reason mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := payoutFailureReason("", "network error"), "network error"; got != want {
+		t.Fatalf("failure reason mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := payoutFailureReason("10101", ""), "10101"; got != want {
+		t.Fatalf("failure reason mismatch: got=%q want=%q", got, want)
+	}
+}

api/gateway/aurora/internal/service/gateway/scenario_simulator.go

@@ -0,0 +1,243 @@
+package gateway
+
+import (
+	"crypto/sha1"
+	"encoding/hex"
+	"fmt"
+	"strings"
+	"sync/atomic"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+type simulatedCardScenario struct {
+	Name           string
+	CardNumbers    []string
+	CardLast4      []string
+	Accepted       bool
+	ProviderStatus string
+	ErrorCode      string
+	ErrorMessage   string
+	DispatchError  string
+}
+
+type payoutSimulator struct {
+	scenarios       []simulatedCardScenario
+	defaultScenario simulatedCardScenario
+	seq             atomic.Uint64
+}
+
+func newPayoutSimulator() *payoutSimulator {
+	return &payoutSimulator{
+		scenarios: []simulatedCardScenario{
+			{
+				Name:           "approved_instant",
+				CardNumbers:    []string{"2200001111111111"},
+				Accepted:       true,
+				ProviderStatus: "success",
+				ErrorCode:      "00",
+				ErrorMessage:   "Approved by issuer",
+			},
+			{
+				Name:           "pending_issuer_review",
+				CardNumbers:    []string{"2200002222222222"},
+				Accepted:       true,
+				ProviderStatus: "processing",
+				ErrorCode:      "P01",
+				ErrorMessage:   "Pending issuer review",
+			},
+			{
+				Name:         "insufficient_funds",
+				CardNumbers:  []string{"2200003333333333"},
+				CardLast4:    []string{"3333"},
+				Accepted:     false,
+				ErrorCode:    "51",
+				ErrorMessage: "Insufficient funds",
+			},
+			{
+				Name:         "issuer_unavailable_retryable",
+				CardNumbers:  []string{"2200004444444444"},
+				CardLast4:    []string{"4444"},
+				Accepted:     false,
+				ErrorCode:    "10101",
+				ErrorMessage: "Issuer temporary unavailable, retry later",
+			},
+			{
+				Name:         "stolen_card",
+				CardNumbers:  []string{"2200005555555555"},
+				CardLast4:    []string{"5555"},
+				Accepted:     false,
+				ErrorCode:    "43",
+				ErrorMessage: "Stolen card, pickup",
+			},
+			{
+				Name:         "do_not_honor",
+				CardNumbers:  []string{"2200006666666666"},
+				CardLast4:    []string{"6666"},
+				Accepted:     false,
+				ErrorCode:    "05",
+				ErrorMessage: "Do not honor",
+			},
+			{
+				Name:         "expired_card",
+				CardNumbers:  []string{"2200007777777777"},
+				CardLast4:    []string{"7777"},
+				Accepted:     false,
+				ErrorCode:    "54",
+				ErrorMessage: "Expired card",
+			},
+			{
+				Name:          "provider_timeout_transport",
+				CardNumbers:   []string{"2200008888888888"},
+				CardLast4:     []string{"8888"},
+				DispatchError: "provider timeout while calling payout endpoint",
+			},
+			{
+				Name:          "provider_unreachable_transport",
+				CardNumbers:   []string{"2200009999999998"},
+				CardLast4:     []string{"9998"},
+				DispatchError: "provider host unreachable",
+			},
+			{
+				Name:         "provider_maintenance",
+				CardNumbers:  []string{"2200009999999997"},
+				CardLast4:    []string{"9997"},
+				Accepted:     false,
+				ErrorCode:    "91",
+				ErrorMessage: "Issuer or switch is inoperative",
+			},
+			{
+				Name:         "provider_system_malfunction",
+				CardNumbers:  []string{"2200009999999996"},
+				CardLast4:    []string{"9996"},
+				Accepted:     false,
+				ErrorCode:    "96",
+				ErrorMessage: "System malfunction",
+			},
+		},
+		defaultScenario: simulatedCardScenario{
+			Name:           "default_processing",
+			Accepted:       true,
+			ProviderStatus: "processing",
+			ErrorCode:      "P00",
+			ErrorMessage:   "Queued for provider processing",
+		},
+	}
+}
+
+func (s *payoutSimulator) resolveByPAN(pan string) simulatedCardScenario {
+	return s.resolve(normalizeCardNumber(pan), "")
+}
+
+func (s *payoutSimulator) resolveByMaskedPAN(masked string) simulatedCardScenario {
+	digits := normalizeCardNumber(masked)
+	last4 := ""
+	if len(digits) >= 4 {
+		last4 = digits[len(digits)-4:]
+	}
+	return s.resolve("", last4)
+}
+
+func (s *payoutSimulator) resolve(pan, last4 string) simulatedCardScenario {
+	if s == nil {
+		return simulatedCardScenario{}
+	}
+	for _, scenario := range s.scenarios {
+		for _, value := range scenario.CardNumbers {
+			if pan != "" && normalizeCardNumber(value) == pan {
+				return scenario
+			}
+		}
+	}
+	if strings.TrimSpace(last4) != "" {
+		for _, scenario := range s.scenarios {
+			if scenarioMatchesLast4(scenario, last4) {
+				return scenario
+			}
+		}
+	}
+	return s.defaultScenario
+}
+
+func (s *payoutSimulator) buildPayoutResult(operationRef string, scenario simulatedCardScenario) (*provider.CardPayoutSendResult, error) {
+	if s == nil {
+		return &provider.CardPayoutSendResult{
+			Accepted:     true,
+			StatusCode:   200,
+			ErrorCode:    "P00",
+			ErrorMessage: "Queued for provider processing",
+		}, nil
+	}
+	if msg := strings.TrimSpace(scenario.DispatchError); msg != "" {
+		return nil, merrors.Internal("aurora simulated transport error: " + msg)
+	}
+	id := s.seq.Add(1)
+	ref := strings.TrimSpace(operationRef)
+	if ref == "" {
+		ref = "card-op"
+	}
+	statusCode := 200
+	if !scenario.Accepted {
+		statusCode = 422
+	}
+	return &provider.CardPayoutSendResult{
+		Accepted:          scenario.Accepted,
+		ProviderRequestID: fmt.Sprintf("aurora-%s-%06d", ref, id),
+		ProviderStatus:    strings.TrimSpace(scenario.ProviderStatus),
+		StatusCode:        statusCode,
+		ErrorCode:         strings.TrimSpace(scenario.ErrorCode),
+		ErrorMessage:      strings.TrimSpace(scenario.ErrorMessage),
+	}, nil
+}
+
+func scenarioMatchesLast4(scenario simulatedCardScenario, last4 string) bool {
+	candidate := strings.TrimSpace(last4)
+	if candidate == "" {
+		return false
+	}
+	for _, value := range scenario.CardLast4 {
+		if normalizeCardNumber(value) == candidate {
+			return true
+		}
+	}
+	for _, value := range scenario.CardNumbers {
+		normalized := normalizeCardNumber(value)
+		if len(normalized) >= 4 && normalized[len(normalized)-4:] == candidate {
+			return true
+		}
+	}
+	return false
+}
+
+func normalizeCardNumber(value string) string {
+	value = strings.TrimSpace(value)
+	if value == "" {
+		return ""
+	}
+	var b strings.Builder
+	b.Grow(len(value))
+	for _, r := range value {
+		if r >= '0' && r <= '9' {
+			b.WriteRune(r)
+		}
+	}
+	return b.String()
+}
+
+func normalizeExpiryYear(year uint32) string {
+	if year == 0 {
+		return ""
+	}
+	v := int(year)
+	if v < 100 {
+		v += 2000
+	}
+	return fmt.Sprintf("%04d", v)
+}
+
+func buildSimulatedCardToken(requestID, pan string) string {
+	input := strings.TrimSpace(requestID) + "|" + normalizeCardNumber(pan)
+	sum := sha1.Sum([]byte(input))
+	return "aur_tok_" + hex.EncodeToString(sum[:8])
+}

api/gateway/aurora/internal/service/gateway/scenario_simulator_test.go

@@ -0,0 +1,51 @@
+package gateway
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+)
+
+func TestPayoutSimulatorResolveByPAN_KnownCard(t *testing.T) {
+	sim := newPayoutSimulator()
+
+	scenario := sim.resolveByPAN("2200003333333333")
+	if scenario.Name != "insufficient_funds" {
+		t.Fatalf("unexpected scenario: got=%q", scenario.Name)
+	}
+	if scenario.ErrorCode != "51" {
+		t.Fatalf("unexpected error code: got=%q", scenario.ErrorCode)
+	}
+}
+
+func TestPayoutSimulatorResolveByPAN_Default(t *testing.T) {
+	sim := newPayoutSimulator()
+
+	scenario := sim.resolveByPAN("2200009999999999")
+	if scenario.Name != "default_processing" {
+		t.Fatalf("unexpected default scenario: got=%q", scenario.Name)
+	}
+	if !scenario.Accepted {
+		t.Fatalf("default scenario should be accepted")
+	}
+}
+
+func TestApplyCardPayoutSendResult_AcceptedSuccessStatus(t *testing.T) {
+	state := &model.CardPayout{}
+	result := &provider.CardPayoutSendResult{
+		Accepted:       true,
+		ProviderStatus: "success",
+		ErrorCode:      "00",
+		ErrorMessage:   "Approved",
+	}
+
+	applyCardPayoutSendResult(state, result)
+
+	if state.Status != model.PayoutStatusSuccess {
+		t.Fatalf("unexpected status: got=%q", state.Status)
+	}
+	if state.ProviderCode != "00" {
+		t.Fatalf("unexpected provider code: got=%q", state.ProviderCode)
+	}
+}

api/gateway/aurora/internal/service/gateway/service.go

@@ -0,0 +1,303 @@
+package gateway
+
+import (
+	"context"
+	"net/http"
+	"strings"
+
+	"github.com/tech/sendico/gateway/aurora/internal/appversion"
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/gateway/aurora/storage"
+	gatewayoutbox "github.com/tech/sendico/gateway/common/outbox"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/discovery"
+	msg "github.com/tech/sendico/pkg/messaging"
+	"github.com/tech/sendico/pkg/mlogger"
+	pmodel "github.com/tech/sendico/pkg/model"
+	"github.com/tech/sendico/pkg/mservice"
+	gatewayv1 "github.com/tech/sendico/pkg/proto/common/gateway/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	"go.uber.org/zap"
+	"google.golang.org/grpc"
+)
+
+type Service struct {
+	logger            mlogger.Logger
+	clock             clockpkg.Clock
+	producer          msg.Producer
+	msgCfg            pmodel.SettingsT
+	storage           storage.Repository
+	config            provider.Config
+	httpClient        *http.Client
+	card              *cardPayoutProcessor
+	outbox            gatewayoutbox.ReliableRuntime
+	gatewayDescriptor *gatewayv1.GatewayInstanceDescriptor
+	announcer         *discovery.Announcer
+	invokeURI         string
+	strictIsolation   bool
+
+	connectorv1.UnimplementedConnectorServiceServer
+}
+
+type payoutFailure interface {
+	error
+	Reason() string
+}
+
+type reasonedError struct {
+	reason string
+	err    error
+}
+
+func (r reasonedError) Error() string {
+	return r.err.Error()
+}
+
+func (r reasonedError) Unwrap() error {
+	return r.err
+}
+
+func (r reasonedError) Reason() string {
+	return r.reason
+}
+
+// NewService constructs the Aurora gateway service skeleton.
+func NewService(logger mlogger.Logger, opts ...Option) *Service {
+	svc := &Service{
+		logger: logger.Named("service"),
+		clock:  clockpkg.NewSystem(),
+		config: provider.DefaultConfig(),
+		msgCfg: map[string]any{},
+	}
+
+	initMetrics()
+
+	for _, opt := range opts {
+		if opt != nil {
+			opt(svc)
+		}
+	}
+
+	if svc.clock == nil {
+		svc.clock = clockpkg.NewSystem()
+	}
+
+	if svc.httpClient == nil {
+		svc.httpClient = &http.Client{Timeout: svc.config.Timeout()}
+	} else if svc.httpClient.Timeout <= 0 {
+		svc.httpClient.Timeout = svc.config.Timeout()
+	}
+
+	svc.card = newCardPayoutProcessor(svc.logger, svc.config, svc.clock, svc.storage, svc.httpClient, svc.producer)
+	if svc.strictIsolation {
+		svc.card.setExecutionMode(newStrictIsolatedPayoutExecutionMode())
+	}
+	svc.card.outbox = &svc.outbox
+	svc.card.msgCfg = svc.msgCfg
+	if err := svc.card.startOutboxReliableProducer(); err != nil {
+		svc.logger.Warn("Failed to initialise outbox reliable producer", zap.Error(err))
+	}
+	svc.card.applyGatewayDescriptor(svc.gatewayDescriptor)
+	svc.startDiscoveryAnnouncer()
+
+	return svc
+}
+
+// Register wires the service onto the provided gRPC router.
+func (s *Service) Register(router routers.GRPC) error {
+	return router.Register(func(reg grpc.ServiceRegistrar) {
+		connectorv1.RegisterConnectorServiceServer(reg, s)
+	})
+}
+
+func (s *Service) Shutdown() {
+	if s == nil {
+		return
+	}
+	if s.card != nil {
+		s.card.stopRetries()
+	}
+	s.outbox.Stop()
+	if s.announcer != nil {
+		s.announcer.Stop()
+	}
+}
+
+func executeUnary[TReq any, TResp any](ctx context.Context, svc *Service, method string, handler func(context.Context, *TReq) gsresponse.Responder[TResp], req *TReq) (*TResp, error) {
+	log := svc.logger.Named("rpc")
+	log.Info("RPC request started", zap.String("method", method))
+
+	start := svc.clock.Now()
+	resp, err := gsresponse.Unary(svc.logger, mservice.MntxGateway, handler)(ctx, req)
+	duration := svc.clock.Now().Sub(start)
+	observeRPC(method, err, duration)
+
+	if err != nil {
+		log.Warn("RPC request failed", zap.String("method", method), zap.Duration("duration", duration), zap.Error(err))
+	} else {
+		log.Info("RPC request completed", zap.String("method", method), zap.Duration("duration", duration))
+	}
+	return resp, err
+}
+
+func normalizeReason(reason string) string {
+	return strings.ToLower(strings.TrimSpace(reason))
+}
+
+func newPayoutError(reason string, err error) error {
+	return reasonedError{
+		reason: normalizeReason(reason),
+		err:    err,
+	}
+}
+
+func (s *Service) startDiscoveryAnnouncer() {
+	if s == nil || s.producer == nil {
+		return
+	}
+	announce := discovery.Announcement{
+		Service:    mservice.MntxGateway,
+		Rail:       discovery.RailCardPayout,
+		Operations: discovery.CardPayoutRailGatewayOperations(),
+		InvokeURI:  s.invokeURI,
+		Version:    appversion.Create().Short(),
+		InstanceID: discovery.InstanceID(),
+	}
+	if s.gatewayDescriptor != nil {
+		if id := strings.TrimSpace(s.gatewayDescriptor.GetId()); id != "" {
+			announce.ID = id
+		}
+		announce.Currencies = currenciesFromDescriptor(s.gatewayDescriptor)
+	}
+	if strings.TrimSpace(announce.ID) == "" {
+		announce.ID = discovery.StablePaymentGatewayID(discovery.RailCardPayout)
+	}
+	s.announcer = discovery.NewAnnouncer(s.logger, s.producer, string(mservice.MntxGateway), announce)
+	s.announcer.Start()
+}
+
+func currenciesFromDescriptor(src *gatewayv1.GatewayInstanceDescriptor) []discovery.CurrencyAnnouncement {
+	if src == nil {
+		return nil
+	}
+	network := strings.TrimSpace(src.GetNetwork())
+	limitsCfg := src.GetLimits()
+	values := src.GetCurrencies()
+	if len(values) == 0 {
+		return nil
+	}
+	seen := map[string]bool{}
+	result := make([]discovery.CurrencyAnnouncement, 0, len(values))
+	for _, value := range values {
+		currency := strings.ToUpper(strings.TrimSpace(value))
+		if currency == "" || seen[currency] {
+			continue
+		}
+		seen[currency] = true
+		result = append(result, discovery.CurrencyAnnouncement{
+			Currency: currency,
+			Network:  network,
+			Limits:   currencyLimitsFromDescriptor(limitsCfg, currency),
+		})
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}
+
+func currencyLimitsFromDescriptor(src *gatewayv1.Limits, currency string) *discovery.CurrencyLimits {
+	if src == nil {
+		return nil
+	}
+	amountMin := firstNonEmpty(src.GetPerTxMinAmount(), src.GetMinAmount())
+	amountMax := firstNonEmpty(src.GetPerTxMaxAmount(), src.GetMaxAmount())
+
+	limits := &discovery.CurrencyLimits{}
+	if amountMin != "" || amountMax != "" {
+		limits.Amount = &discovery.CurrencyAmount{
+			Min: amountMin,
+			Max: amountMax,
+		}
+	}
+
+	running := &discovery.CurrencyRunningLimits{}
+	for bucket, max := range src.GetVolumeLimit() {
+		bucket = strings.TrimSpace(bucket)
+		max = strings.TrimSpace(max)
+		if bucket == "" || max == "" {
+			continue
+		}
+		running.Volume = append(running.Volume, discovery.VolumeLimit{
+			Window: discovery.Window{
+				Raw:   bucket,
+				Named: bucket,
+			},
+			Max: max,
+		})
+	}
+	for bucket, max := range src.GetVelocityLimit() {
+		bucket = strings.TrimSpace(bucket)
+		if bucket == "" || max <= 0 {
+			continue
+		}
+		running.Velocity = append(running.Velocity, discovery.VelocityLimit{
+			Window: discovery.Window{
+				Raw:   bucket,
+				Named: bucket,
+			},
+			Max: int(max),
+		})
+	}
+	if override := src.GetCurrencyLimits()[strings.ToUpper(strings.TrimSpace(currency))]; override != nil {
+		if min := strings.TrimSpace(override.GetMinAmount()); min != "" {
+			if limits.Amount == nil {
+				limits.Amount = &discovery.CurrencyAmount{}
+			}
+			limits.Amount.Min = min
+		}
+		if max := strings.TrimSpace(override.GetMaxAmount()); max != "" {
+			if limits.Amount == nil {
+				limits.Amount = &discovery.CurrencyAmount{}
+			}
+			limits.Amount.Max = max
+		}
+		if maxVolume := strings.TrimSpace(override.GetMaxVolume()); maxVolume != "" {
+			running.Volume = append(running.Volume, discovery.VolumeLimit{
+				Window: discovery.Window{
+					Raw:   "default",
+					Named: "default",
+				},
+				Max: maxVolume,
+			})
+		}
+		if maxOps := int(override.GetMaxOps()); maxOps > 0 {
+			running.Velocity = append(running.Velocity, discovery.VelocityLimit{
+				Window: discovery.Window{
+					Raw:   "default",
+					Named: "default",
+				},
+				Max: maxOps,
+			})
+		}
+	}
+	if len(running.Volume) > 0 || len(running.Velocity) > 0 {
+		limits.Running = running
+	}
+	if limits.Amount == nil && limits.Running == nil {
+		return nil
+	}
+	return limits
+}
+
+func firstNonEmpty(values ...string) string {
+	for _, value := range values {
+		clean := strings.TrimSpace(value)
+		if clean != "" {
+			return clean
+		}
+	}
+	return ""
+}

api/gateway/aurora/internal/service/gateway/service_test.go

@@ -0,0 +1,19 @@
+package gateway
+
+import (
+	"testing"
+
+	"go.uber.org/zap"
+)
+
+func TestNewService_StrictOperationIsolationOption(t *testing.T) {
+	svc := NewService(zap.NewNop(), WithStrictOperationIsolation(true))
+	t.Cleanup(svc.Shutdown)
+
+	if svc.card == nil {
+		t.Fatalf("expected card processor to be initialised")
+	}
+	if got, want := payoutExecutionModeName(svc.card.executionMode), payoutExecutionModeStrictIsolatedName; got != want {
+		t.Fatalf("execution mode mismatch: got=%q want=%q", got, want)
+	}
+}

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

@@ -0,0 +1,86 @@
+package gateway
+
+import (
+	"errors"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/aurora/internal/service/provider"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func requireReason(t *testing.T, err error, reason string) {
+	t.Helper()
+	if err == nil {
+		t.Fatalf("expected error")
+	}
+	if !errors.Is(err, merrors.ErrInvalidArg) {
+		t.Fatalf("expected invalid argument error, got %v", err)
+	}
+	reasoned, ok := err.(payoutFailure)
+	if !ok {
+		t.Fatalf("expected payout failure reason, got %T", err)
+	}
+	if reasoned.Reason() != reason {
+		t.Fatalf("expected reason %q, got %q", reason, reasoned.Reason())
+	}
+}
+
+func testProviderConfig() provider.Config {
+	return provider.Config{
+		AllowedCurrencies: []string{"RUB", "USD"},
+	}
+}
+
+func validCardPayoutRequest() *mntxv1.CardPayoutRequest {
+	return &mntxv1.CardPayoutRequest{
+		PayoutId:          "payout-1",
+		ParentPaymentRef:  "payment-parent-1",
+		CustomerId:        "cust-1",
+		CustomerFirstName: "Jane",
+		CustomerLastName:  "Doe",
+		CustomerIp:        "203.0.113.10",
+		AmountMinor:       1500,
+		Currency:          "RUB",
+		CardPan:           "4111111111111111",
+		CardHolder:        "JANE DOE",
+		CardExpMonth:      12,
+		CardExpYear:       2035,
+	}
+}
+
+func validCardTokenPayoutRequest() *mntxv1.CardTokenPayoutRequest {
+	return &mntxv1.CardTokenPayoutRequest{
+		PayoutId:          "payout-1",
+		ParentPaymentRef:  "payment-parent-1",
+		CustomerId:        "cust-1",
+		CustomerFirstName: "Jane",
+		CustomerLastName:  "Doe",
+		CustomerIp:        "203.0.113.11",
+		AmountMinor:       2500,
+		Currency:          "USD",
+		CardToken:         "tok_123",
+	}
+}
+
+func validCardTokenizeRequest() *mntxv1.CardTokenizeRequest {
+	month, year := futureExpiry()
+	return &mntxv1.CardTokenizeRequest{
+		RequestId:         "req-1",
+		CustomerId:        "cust-1",
+		CustomerFirstName: "Jane",
+		CustomerLastName:  "Doe",
+		CustomerIp:        "203.0.113.12",
+		CardPan:           "4111111111111111",
+		CardHolder:        "JANE DOE",
+		CardCvv:           "123",
+		CardExpMonth:      month,
+		CardExpYear:       year,
+	}
+}
+
+func futureExpiry() (uint32, uint32) {
+	now := time.Now().UTC()
+	return uint32(now.Month()), uint32(now.Year() + 1)
+}

api/gateway/aurora/internal/service/gateway/transfer_notifications.go

@@ -0,0 +1,114 @@
+package gateway
+
+import (
+	"context"
+	"fmt"
+
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	paymentgateway "github.com/tech/sendico/pkg/messaging/notifications/paymentgateway"
+	pmodel "github.com/tech/sendico/pkg/model"
+	"github.com/tech/sendico/pkg/mservice"
+	"github.com/tech/sendico/pkg/mutil/mzap"
+	"github.com/tech/sendico/pkg/payments/rail"
+	paytypes "github.com/tech/sendico/pkg/payments/types"
+	"go.uber.org/zap"
+)
+
+func isFinalStatus(t *model.CardPayout) bool {
+	if t == nil {
+		return false
+	}
+	return isFinalPayoutStatus(t.Status)
+}
+
+func isFinalPayoutStatus(status model.PayoutStatus) bool {
+	switch status {
+	case model.PayoutStatusFailed, model.PayoutStatusSuccess, model.PayoutStatusCancelled:
+		return true
+	default:
+		return false
+	}
+}
+
+func toOpStatus(t *model.CardPayout) (rail.OperationResult, error) {
+	switch t.Status {
+	case model.PayoutStatusFailed:
+		return rail.OperationResultFailed, nil
+	case model.PayoutStatusSuccess:
+		return rail.OperationResultSuccess, nil
+	case model.PayoutStatusCancelled:
+		return rail.OperationResultCancelled, nil
+	default:
+		return rail.OperationResultFailed, merrors.InvalidArgument(fmt.Sprintf("unexpected transfer status, %s", t.Status), "t.Status")
+	}
+}
+
+func (p *cardPayoutProcessor) updatePayoutStatus(ctx context.Context, state *model.CardPayout) error {
+	if !isFinalStatus(state) {
+		if err := p.store.Payouts().Upsert(ctx, state); err != nil {
+			p.logger.Warn("Failed to update transfer status", zap.Error(err), mzap.ObjRef("payout_ref", state.ID),
+				zap.String("payment_ref", state.PaymentRef), zap.String("status", string(state.Status)),
+			)
+			return err
+		}
+		p.observeExecutionState(state)
+		return nil
+	}
+
+	_, err := p.executeTransaction(ctx, func(txCtx context.Context) (any, error) {
+		if upsertErr := p.store.Payouts().Upsert(txCtx, state); upsertErr != nil {
+			return nil, upsertErr
+		}
+		if isFinalStatus(state) {
+			if emitErr := p.emitTransferStatusEvent(txCtx, state); emitErr != nil {
+				return nil, emitErr
+			}
+		}
+		return nil, nil
+	})
+	if err != nil {
+		p.logger.Warn("Failed to update transfer status", zap.Error(err), mzap.ObjRef("payout_ref", state.ID),
+			zap.String("payment_ref", state.PaymentRef), zap.String("status", string(state.Status)),
+		)
+		return err
+	}
+	p.observeExecutionState(state)
+	return nil
+}
+
+func (p *cardPayoutProcessor) emitTransferStatusEvent(ctx context.Context, payout *model.CardPayout) error {
+	if p == nil || payout == nil {
+		return nil
+	}
+	if p.producer == nil || p.outboxStore() == nil {
+		return nil
+	}
+
+	status, err := toOpStatus(payout)
+	if err != nil {
+		p.logger.Warn("Failed to convert payout status to operation status for transfer status event", zap.Error(err),
+			mzap.ObjRef("payout_ref", payout.ID), zap.String("payment_ref", payout.PaymentRef), zap.String("status", string(payout.Status)))
+		return err
+	}
+
+	exec := pmodel.PaymentGatewayExecution{
+		PaymentIntentID: payout.IntentRef,
+		IdempotencyKey:  payout.IdempotencyKey,
+		ExecutedMoney: &paytypes.Money{
+			Amount:   fmt.Sprintf("%d", payout.AmountMinor),
+			Currency: payout.Currency,
+		},
+		PaymentRef:   payout.PaymentRef,
+		Status:       status,
+		OperationRef: payout.OperationRef,
+		Error:        payout.FailureReason,
+		TransferRef:  payout.GetID().Hex(),
+	}
+	env := paymentgateway.PaymentGatewayExecution(mservice.MntxGateway, &exec)
+	if err := p.sendWithOutbox(ctx, env); err != nil {
+		p.logger.Warn("Failed to publish transfer status event", zap.Error(err), mzap.ObjRef("transfer_ref", payout.ID))
+		return err
+	}
+	return nil
+}

api/gateway/aurora/internal/service/provider/config.go

@@ -0,0 +1,78 @@
+package provider
+
+import (
+	"strings"
+	"time"
+)
+
+const (
+	DefaultRequestTimeout   = 15 * time.Second
+	DefaultStatusSuccess    = "success"
+	DefaultStatusProcessing = "processing"
+
+	OutcomeSuccess    = "success"
+	OutcomeProcessing = "processing"
+	OutcomeDecline    = "decline"
+)
+
+// Config holds resolved settings for communicating with Aurora.
+type Config struct {
+	BaseURL                string
+	ProjectID              int64
+	SecretKey              string
+	AllowedCurrencies      []string
+	RequireCustomerAddress bool
+	RequestTimeout         time.Duration
+	StatusSuccess          string
+	StatusProcessing       string
+}
+
+func DefaultConfig() Config {
+	return Config{
+		RequestTimeout:   DefaultRequestTimeout,
+		StatusSuccess:    DefaultStatusSuccess,
+		StatusProcessing: DefaultStatusProcessing,
+	}
+}
+
+func (c Config) timeout() time.Duration {
+	if c.RequestTimeout <= 0 {
+		return DefaultRequestTimeout
+	}
+	return c.RequestTimeout
+}
+
+// Timeout exposes the configured HTTP timeout for external callers.
+func (c Config) Timeout() time.Duration {
+	return c.timeout()
+}
+
+func (c Config) CurrencyAllowed(code string) bool {
+	code = strings.ToUpper(strings.TrimSpace(code))
+	if code == "" {
+		return false
+	}
+	if len(c.AllowedCurrencies) == 0 {
+		return true
+	}
+	for _, allowed := range c.AllowedCurrencies {
+		if strings.EqualFold(strings.TrimSpace(allowed), code) {
+			return true
+		}
+	}
+	return false
+}
+
+func (c Config) SuccessStatus() string {
+	if strings.TrimSpace(c.StatusSuccess) == "" {
+		return DefaultStatusSuccess
+	}
+	return strings.ToLower(strings.TrimSpace(c.StatusSuccess))
+}
+
+func (c Config) ProcessingStatus() string {
+	if strings.TrimSpace(c.StatusProcessing) == "" {
+		return DefaultStatusProcessing
+	}
+	return strings.ToLower(strings.TrimSpace(c.StatusProcessing))
+}

api/gateway/aurora/internal/service/provider/mask.go

@@ -0,0 +1,21 @@
+package provider
+
+import "strings"
+
+// MaskPAN redacts a primary account number by keeping the first 6 and last 4 digits.
+func MaskPAN(pan string) string {
+	p := strings.TrimSpace(pan)
+	if len(p) <= 4 {
+		return strings.Repeat("*", len(p))
+	}
+
+	if len(p) <= 10 {
+		return p[:2] + strings.Repeat("*", len(p)-4) + p[len(p)-2:]
+	}
+
+	maskLen := len(p) - 10
+	if maskLen < 0 {
+		maskLen = 0
+	}
+	return p[:6] + strings.Repeat("*", maskLen) + p[len(p)-4:]
+}

api/gateway/aurora/internal/service/provider/mask_test.go

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

api/gateway/aurora/internal/service/provider/metrics.go

@@ -0,0 +1,39 @@
+package provider
+
+import (
+	"strings"
+	"sync"
+
+	"github.com/prometheus/client_golang/prometheus"
+	"github.com/prometheus/client_golang/prometheus/promauto"
+)
+
+var (
+	metricsOnce sync.Once
+
+	cardPayoutCallbacks *prometheus.CounterVec
+)
+
+func initMetrics() {
+	metricsOnce.Do(func() {
+		cardPayoutCallbacks = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "aurora_gateway",
+			Name:      "card_payout_callbacks_total",
+			Help:      "Aurora card payout callbacks grouped by provider status.",
+		}, []string{"status"})
+	})
+}
+
+// ObserveCallback records callback status for Aurora card payouts.
+func ObserveCallback(status string) {
+	initMetrics()
+	status = strings.TrimSpace(status)
+	if status == "" {
+		status = "unknown"
+	}
+	status = strings.ToLower(status)
+	if cardPayoutCallbacks != nil {
+		cardPayoutCallbacks.WithLabelValues(status).Inc()
+	}
+}

api/gateway/aurora/internal/service/provider/payloads.go

@@ -0,0 +1,11 @@
+package provider
+
+// CardPayoutSendResult is the minimal provider result contract used by Aurora simulator.
+type CardPayoutSendResult struct {
+	Accepted          bool
+	ProviderRequestID string
+	ProviderStatus    string
+	StatusCode        int
+	ErrorCode         string
+	ErrorMessage      string
+}

api/gateway/aurora/internal/service/provider/signature.go

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

api/gateway/aurora/internal/service/provider/signature_test.go

@@ -0,0 +1,211 @@
+package provider
+
+import "testing"
+
+func TestSignaturePayloadString_Example(t *testing.T) {
+	payload := map[string]any{
+		"general": map[string]any{
+			"project_id": 3254,
+			"payment_id": "id_38202316",
+			"signature":  "<ignored>",
+		},
+		"customer": map[string]any{
+			"id":         "585741",
+			"email":      "johndoe@example.com",
+			"first_name": "John",
+			"last_name":  "Doe",
+			"address":    "Downing str., 23",
+			"identify": map[string]any{
+				"doc_number": "54122312544",
+			},
+			"ip_address": "198.51.100.47",
+		},
+		"payment": map[string]any{
+			"amount":      10800,
+			"currency":    "USD",
+			"description": "Computer keyboards",
+		},
+		"receipt_data": map[string]any{
+			"positions": []any{
+				map[string]any{
+					"quantity":    "10",
+					"amount":      "108",
+					"description": "Computer keyboard",
+				},
+			},
+		},
+		"return_url": map[string]any{
+			"success": "https://paymentpage.example.com/complete-redirect?id=success",
+			"decline": "https://paymentpage.example.com/complete-redirect?id=decline",
+		},
+	}
+
+	got, err := signaturePayloadString(payload)
+	if err != nil {
+		t.Fatalf("failed to build signature string: %v", err)
+	}
+
+	expected := "customer:address:Downing str., 23;customer:email:johndoe@example.com;customer:first_name:John;customer:id:585741;customer:identify:doc_number:54122312544;customer:ip_address:198.51.100.47;customer:last_name:Doe;general:payment_id:id_38202316;general:project_id:3254;payment:amount:10800;payment:currency:USD;payment:description:Computer keyboards;receipt_data:positions:0:amount:108;receipt_data:positions:0:description:Computer keyboard;receipt_data:positions:0:quantity:10;return_url:decline:https://paymentpage.example.com/complete-redirect?id=decline;return_url:success:https://paymentpage.example.com/complete-redirect?id=success"
+	if got != expected {
+		t.Fatalf("unexpected signature string\nexpected: %s\ngot: %s", expected, got)
+	}
+}
+
+func TestSignPayload_Example(t *testing.T) {
+	payload := map[string]any{
+		"general": map[string]any{
+			"project_id": 3254,
+			"payment_id": "id_38202316",
+			"signature":  "<ignored>",
+		},
+		"customer": map[string]any{
+			"id":         "585741",
+			"email":      "johndoe@example.com",
+			"first_name": "John",
+			"last_name":  "Doe",
+			"address":    "Downing str., 23",
+			"identify": map[string]any{
+				"doc_number": "54122312544",
+			},
+			"ip_address": "198.51.100.47",
+		},
+		"payment": map[string]any{
+			"amount":      10800,
+			"currency":    "USD",
+			"description": "Computer keyboards",
+		},
+		"receipt_data": map[string]any{
+			"positions": []any{
+				map[string]any{
+					"quantity":    "10",
+					"amount":      "108",
+					"description": "Computer keyboard",
+				},
+			},
+		},
+		"return_url": map[string]any{
+			"success": "https://paymentpage.example.com/complete-redirect?id=success",
+			"decline": "https://paymentpage.example.com/complete-redirect?id=decline",
+		},
+	}
+
+	got, err := SignPayload(payload, "secret")
+	if err != nil {
+		t.Fatalf("failed to sign payload: %v", err)
+	}
+	expected := "lagSnuspAn+F6XkmQISqwtBg0PsiTy62fF9x33TM+278mnufIDZyi1yP0BQALuCxyikkIxIMbodBn2F8hMdRwA=="
+	if got != expected {
+		t.Fatalf("unexpected signature\nexpected: %s\ngot: %s", expected, got)
+	}
+}
+
+func TestSignaturePayloadString_BooleansAndArrays(t *testing.T) {
+	payload := map[string]any{
+		"flag":       true,
+		"false_flag": false,
+		"empty":      "",
+		"zero":       0,
+		"nested": map[string]any{
+			"list":  []any{},
+			"items": []any{"alpha", "beta"},
+		},
+	}
+
+	got, err := signaturePayloadString(payload)
+	if err != nil {
+		t.Fatalf("failed to build signature string: %v", err)
+	}
+
+	expected := "empty:;false_flag:0;flag:1;nested:items:0:alpha;nested:items:1:beta;zero:0"
+	if got != expected {
+		t.Fatalf("unexpected signature string\nexpected: %s\ngot: %s", expected, got)
+	}
+}
+
+func TestSignPayload_EthEstimateGasExample(t *testing.T) {
+	payload := map[string]any{
+		"jsonrpc": "2.0",
+		"id":      3,
+		"method":  "eth_estimateGas",
+		"params": []any{
+			map[string]any{
+				"from":     "0xfa89b4d534bdeb2713d4ffd893e79d6535fb58f8",
+				"to":       "0x44162e39eefd9296231e772663a92e72958e182f",
+				"gasPrice": "0x64",
+				"data":     "0xa9059cbb00000000000000000000000044162e39eefd9296231e772663a92e72958e182f00000000000000000000000000000000000000000000000000000000000f4240",
+			},
+		},
+	}
+
+	got, err := SignPayload(payload, "1")
+	if err != nil {
+		t.Fatalf("failed to sign payload: %v", err)
+	}
+	expected := "C4WbSvXKSMyX8yLamQcUe/Nzr6nSt9m3HYn4jHSyA7yi/FaTiqk0r8BlfIzfxSCoDaRgrSd82ihgZW+DxELhdQ=="
+	if got != expected {
+		t.Fatalf("unexpected signature\nexpected: %s\ngot: %s", expected, got)
+	}
+}
+
+func TestSignPayload_AuroraCallbackExample(t *testing.T) {
+	payload := map[string]any{
+		"customer": map[string]any{
+			"id": "694ece88df756c2672dc6ce8",
+		},
+		"account": map[string]any{
+			"number":       "220070******0161",
+			"type":         "mir",
+			"card_holder":  "STEPHAN",
+			"expiry_month": "03",
+			"expiry_year":  "2030",
+		},
+		"project_id": 157432,
+		"payment": map[string]any{
+			"id":     "6952d0b307d2916aba87d4e8",
+			"type":   "payout",
+			"status": "success",
+			"date":   "2025-12-29T19:04:24+0000",
+			"method": "card",
+			"sum": map[string]any{
+				"amount":   10849,
+				"currency": "RUB",
+			},
+			"description": "",
+		},
+		"operation": map[string]any{
+			"sum_initial": map[string]any{
+				"amount":   10849,
+				"currency": "RUB",
+			},
+			"sum_converted": map[string]any{
+				"amount":   10849,
+				"currency": "RUB",
+			},
+			"code":    "0",
+			"message": "Success",
+			"provider": map[string]any{
+				"id":          26226,
+				"payment_id":  "a3761838-eabc-4c65-aa36-c854c47a226b",
+				"auth_code":   "",
+				"endpoint_id": 26226,
+				"date":        "2025-12-29T19:04:23+0000",
+			},
+			"id":           int64(5089807000008124),
+			"type":         "payout",
+			"status":       "success",
+			"date":         "2025-12-29T19:04:24+0000",
+			"created_date": "2025-12-29T19:04:21+0000",
+			"request_id":   "7c3032f00629c94ad78e399c87da936f1cdc30de-2559ba11d6958d558a9f8ab8c20474d33061c654-05089808",
+		},
+		"signature": "IBgtwCoxhMUxF15q8DLc7orYOIJomeiaNpWs8JHHsdDYPKJsIKn4T+kYavPnKTO+yibhCLNKeL+hk2oWg9wPCQ==",
+	}
+
+	got, err := SignPayload(payload, "1")
+	if err != nil {
+		t.Fatalf("failed to sign payload: %v", err)
+	}
+	expected := "IBgtwCoxhMUxF15q8DLc7orYOIJomeiaNpWs8JHHsdDYPKJsIKn4T+kYavPnKTO+yibhCLNKeL+hk2oWg9wPCQ=="
+	if got != expected {
+		t.Fatalf("unexpected signature\nexpected: %s\ngot: %s", expected, got)
+	}
+}

api/gateway/aurora/main.go

@@ -0,0 +1,17 @@
+package main
+
+import (
+	"github.com/tech/sendico/gateway/aurora/internal/appversion"
+	si "github.com/tech/sendico/gateway/aurora/internal/server"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+	smain "github.com/tech/sendico/pkg/server/main"
+)
+
+func factory(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return si.Create(logger, file, debug)
+}
+
+func main() {
+	smain.RunServer("gateway", appversion.Create(), factory)
+}

api/gateway/aurora/storage/model/state.go

@@ -0,0 +1,28 @@
+package model
+
+import (
+	"time"
+
+	"github.com/tech/sendico/pkg/db/storable"
+)
+
+// CardPayout is a Mongo/JSON representation of proto CardPayout
+type CardPayout struct {
+	storable.Base     `bson:",inline" json:",inline"`
+	PaymentRef        string       `bson:"paymentRef" json:"payment_ref"`
+	OperationRef      string       `bson:"operationRef" json:"operation_ref"`
+	IdempotencyKey    string       `bson:"idempotencyKey" json:"idempotency_key"`
+	IntentRef         string       `bson:"intentRef" json:"intentRef"`
+	ProjectID         int64        `bson:"projectId" json:"project_id"`
+	CustomerID        string       `bson:"customerId" json:"customer_id"`
+	AmountMinor       int64        `bson:"amountMinor" json:"amount_minor"`
+	Currency          string       `bson:"currency" json:"currency"`
+	Status            PayoutStatus `bson:"status" json:"status"`
+	ProviderCode      string       `bson:"providerCode,omitempty" json:"provider_code,omitempty"`
+	ProviderMessage   string       `bson:"providerMessage,omitempty" json:"provider_message,omitempty"`
+	ProviderPaymentID string       `bson:"providerPaymentId,omitempty" json:"provider_payment_id,omitempty"`
+	FailureReason     string       `bson:"failureReason,omitempty" json:"failure_reason,omitempty"`
+
+	CreatedAt time.Time `bson:"createdAt" json:"created_at"`
+	UpdatedAt time.Time `bson:"updatedAt" json:"updated_at"`
+}

api/gateway/aurora/storage/model/status.go

@@ -0,0 +1,13 @@
+package model
+
+type PayoutStatus string
+
+const (
+	PayoutStatusCreated    PayoutStatus = "created"    // record exists, not started
+	PayoutStatusProcessing PayoutStatus = "processing" // we are working on it
+	PayoutStatusWaiting    PayoutStatus = "waiting"    // waiting external world
+
+	PayoutStatusSuccess   PayoutStatus = "success"   // final success
+	PayoutStatusFailed    PayoutStatus = "failed"    // final failure
+	PayoutStatusCancelled PayoutStatus = "cancelled" // final cancelled
+)

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

@@ -0,0 +1,88 @@
+package mongo
+
+import (
+	"context"
+	"time"
+
+	"github.com/tech/sendico/gateway/aurora/storage"
+	"github.com/tech/sendico/gateway/aurora/storage/mongo/store"
+	gatewayoutbox "github.com/tech/sendico/gateway/common/outbox"
+	"github.com/tech/sendico/pkg/db"
+	"github.com/tech/sendico/pkg/db/transaction"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.mongodb.org/mongo-driver/v2/mongo"
+	"go.uber.org/zap"
+)
+
+type Repository struct {
+	logger    mlogger.Logger
+	conn      *db.MongoConnection
+	db        *mongo.Database
+	txFactory transaction.Factory
+
+	payouts storage.PayoutsStore
+	outbox  gatewayoutbox.Store
+}
+
+func New(logger mlogger.Logger, conn *db.MongoConnection) (*Repository, error) {
+	if logger == nil {
+		logger = zap.NewNop()
+	}
+	if conn == nil {
+		return nil, merrors.InvalidArgument("mongo connection is nil")
+	}
+	client := conn.Client()
+	if client == nil {
+		return nil, merrors.Internal("mongo client is not initialised")
+	}
+	db := conn.Database()
+	if db == nil {
+		return nil, merrors.Internal("mongo database is not initialised")
+	}
+	dbName := db.Name()
+	logger = logger.Named("storage").Named("mongo")
+	if dbName != "" {
+		logger = logger.With(zap.String("database", dbName))
+	}
+	result := &Repository{
+		logger:    logger,
+		conn:      conn,
+		db:        db,
+		txFactory: newMongoTransactionFactory(client),
+	}
+	ctx, cancel := context.WithTimeout(context.Background(), 5*time.Second)
+	defer cancel()
+	if err := result.conn.Ping(ctx); err != nil {
+		result.logger.Error("Mongo ping failed during repository initialisation", zap.Error(err))
+		return nil, err
+	}
+	payoutsStore, err := store.NewPayouts(result.logger, result.db)
+	if err != nil {
+		result.logger.Error("Failed to initialise payouts store", zap.Error(err), zap.String("store", "payments"))
+		return nil, err
+	}
+	outboxStore, err := gatewayoutbox.NewMongoStore(result.logger, result.db)
+	if err != nil {
+		result.logger.Error("Failed to initialise outbox store", zap.Error(err), zap.String("store", "outbox"))
+		return nil, err
+	}
+	result.payouts = payoutsStore
+	result.outbox = outboxStore
+	result.logger.Info("Payouts gateway MongoDB storage initialised")
+	return result, nil
+}
+
+func (r *Repository) Payouts() storage.PayoutsStore {
+	return r.payouts
+}
+
+func (r *Repository) Outbox() gatewayoutbox.Store {
+	return r.outbox
+}
+
+func (r *Repository) TransactionFactory() transaction.Factory {
+	return r.txFactory
+}
+
+var _ storage.Repository = (*Repository)(nil)

api/gateway/aurora/storage/mongo/store/payouts.go

@@ -0,0 +1,108 @@
+package store
+
+import (
+	"context"
+	"strings"
+
+	storage "github.com/tech/sendico/gateway/aurora/storage"
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+	"github.com/tech/sendico/pkg/db/repository"
+	ri "github.com/tech/sendico/pkg/db/repository/index"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mutil/mzap"
+	"go.mongodb.org/mongo-driver/v2/mongo"
+	"go.uber.org/zap"
+)
+
+const (
+	payoutsCollection = "card_payouts"
+	payoutIdemField   = "idempotencyKey"
+	payoutIdField     = "paymentRef"
+	payoutOpField     = "operationRef"
+)
+
+type Payouts struct {
+	logger     mlogger.Logger
+	repository repository.Repository
+}
+
+func NewPayouts(logger mlogger.Logger, db *mongo.Database) (*Payouts, error) {
+	if db == nil {
+		return nil, merrors.InvalidArgument("mongo database is nil")
+	}
+	if logger == nil {
+		logger = zap.NewNop()
+	}
+	logger = logger.Named("payouts").With(zap.String("collection", payoutsCollection))
+
+	repo := repository.CreateMongoRepository(db, payoutsCollection)
+	if err := repo.CreateIndex(&ri.Definition{
+		Keys:   []ri.Key{{Field: payoutOpField, Sort: ri.Asc}},
+		Unique: true,
+		Sparse: true,
+	}); err != nil {
+		logger.Error("Failed to create payouts operation index",
+			zap.Error(err), zap.String("index_field", payoutOpField))
+		return nil, err
+	}
+	if err := repo.CreateIndex(&ri.Definition{
+		Keys:   []ri.Key{{Field: payoutIdemField, Sort: ri.Asc}},
+		Unique: true,
+	}); err != nil {
+		logger.Error("Failed to create payouts idempotency index",
+			zap.Error(err), zap.String("index_field", payoutIdemField))
+		return nil, err
+	}
+
+	p := &Payouts{
+		logger:     logger,
+		repository: repo,
+	}
+	p.logger.Debug("Payouts store initialised")
+	return p, nil
+}
+
+func (p *Payouts) findOneByField(ctx context.Context, field, value string) (*model.CardPayout, error) {
+	var res model.CardPayout
+	return &res, p.repository.FindOneByFilter(ctx, repository.Filter(field, value), &res)
+}
+
+func (p *Payouts) FindByIdempotencyKey(ctx context.Context, key string) (*model.CardPayout, error) {
+	return p.findOneByField(ctx, payoutIdemField, key)
+}
+
+func (p *Payouts) FindByOperationRef(ctx context.Context, operationRef string) (*model.CardPayout, error) {
+	return p.findOneByField(ctx, payoutOpField, operationRef)
+}
+
+func (p *Payouts) FindByPaymentID(ctx context.Context, paymentID string) (*model.CardPayout, error) {
+	return p.findOneByField(ctx, payoutIdField, paymentID)
+}
+
+func (p *Payouts) Upsert(ctx context.Context, record *model.CardPayout) error {
+	if record == nil {
+		p.logger.Warn("Invalid argument provided: nil record")
+		return merrors.InvalidArgument("payout record is nil", "record")
+	}
+
+	record.OperationRef = strings.TrimSpace(record.OperationRef)
+	record.PaymentRef = strings.TrimSpace(record.PaymentRef)
+	record.CustomerID = strings.TrimSpace(record.CustomerID)
+	record.ProviderCode = strings.TrimSpace(record.ProviderCode)
+	record.ProviderPaymentID = strings.TrimSpace(record.ProviderPaymentID)
+
+	if record.OperationRef == "" {
+		p.logger.Warn("Invalid argument provided: operation reference missing")
+		return merrors.InvalidArgument("operation ref is required", "operation_ref")
+	}
+
+	if err := p.repository.Upsert(ctx, record); err != nil {
+		p.logger.Warn("Failed to upsert payout record", zap.Error(err), mzap.ObjRef("payout_ref", record.ID),
+			zap.String("operation_ref", record.OperationRef), zap.String("payment_ref", record.PaymentRef))
+		return err
+	}
+	return nil
+}
+
+var _ storage.PayoutsStore = (*Payouts)(nil)

api/gateway/aurora/storage/mongo/transaction.go

@@ -0,0 +1,38 @@
+package mongo
+
+import (
+	"context"
+
+	"github.com/tech/sendico/pkg/db/transaction"
+	"go.mongodb.org/mongo-driver/v2/mongo"
+)
+
+type mongoTransactionFactory struct {
+	client *mongo.Client
+}
+
+func (f *mongoTransactionFactory) CreateTransaction() transaction.Transaction {
+	return &mongoTransaction{client: f.client}
+}
+
+type mongoTransaction struct {
+	client *mongo.Client
+}
+
+func (t *mongoTransaction) Execute(ctx context.Context, cb transaction.Callback) (any, error) {
+	session, err := t.client.StartSession()
+	if err != nil {
+		return nil, err
+	}
+	defer session.EndSession(ctx)
+
+	run := func(sessCtx context.Context) (any, error) {
+		return cb(sessCtx)
+	}
+
+	return session.WithTransaction(ctx, run)
+}
+
+func newMongoTransactionFactory(client *mongo.Client) transaction.Factory {
+	return &mongoTransactionFactory{client: client}
+}

api/gateway/aurora/storage/storage.go

@@ -0,0 +1,21 @@
+package storage
+
+import (
+	"context"
+
+	"github.com/tech/sendico/gateway/aurora/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+var ErrDuplicate = merrors.DataConflict("payment gateway storage: duplicate record")
+
+type Repository interface {
+	Payouts() PayoutsStore
+}
+
+type PayoutsStore interface {
+	FindByIdempotencyKey(ctx context.Context, key string) (*model.CardPayout, error)
+	FindByOperationRef(ctx context.Context, key string) (*model.CardPayout, error)
+	FindByPaymentID(ctx context.Context, key string) (*model.CardPayout, error)
+	Upsert(ctx context.Context, record *model.CardPayout) error
+}

api/gateway/chsettle/.air.toml

@@ -0,0 +1,46 @@
+root = "."
+testdata_dir = "testdata"
+tmp_dir = "tmp"
+
+[build]
+  args_bin = []
+  entrypoint = "./tmp/main"
+  cmd = "go build -o ./tmp/main ."
+  delay = 1000
+  exclude_dir = ["assets", "tmp", "vendor", "testdata"]
+  exclude_file = []
+  exclude_regex = ["_test.go", "_templ.go"]
+  exclude_unchanged = false
+  follow_symlink = false
+  full_bin = ""
+  include_dir = []
+  include_ext = ["go", "tpl", "tmpl", "html"]
+  include_file = []
+  kill_delay = "0s"
+  log = "build-errors.log"
+  poll = false
+  poll_interval = 0
+  post_cmd = []
+  pre_cmd = []
+  rerun = false
+  rerun_delay = 500
+  send_interrupt = false
+  stop_on_error = false
+
+[color]
+  app = ""
+  build = "yellow"
+  main = "magenta"
+  runner = "green"
+  watcher = "cyan"
+
+[log]
+  main_only = false
+  time = false
+
+[misc]
+  clean_on_exit = false
+
+[screen]
+  clear_on_rebuild = false
+  keep_scroll = true

api/gateway/chsettle/.gitignore

@@ -0,0 +1,4 @@
+internal/generated
+.gocache
+app
+tmp

api/gateway/chsettle/config.dev.yml

@@ -0,0 +1,52 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+grpc:
+  network: tcp
+  address: ":50080"
+  advertise_host: "dev-chsettle-gateway"
+  enable_reflection: true
+  enable_health: true
+
+metrics:
+  address: ":9406"
+
+database:
+  driver: mongodb
+  settings:
+    host_env: CHSETTLE_GATEWAY_MONGO_HOST
+    port_env: CHSETTLE_GATEWAY_MONGO_PORT
+    database_env: CHSETTLE_GATEWAY_MONGO_DATABASE
+    user_env: CHSETTLE_GATEWAY_MONGO_USER
+    password_env: CHSETTLE_GATEWAY_MONGO_PASSWORD
+    auth_source_env: CHSETTLE_GATEWAY_MONGO_AUTH_SOURCE
+    replica_set_env: CHSETTLE_GATEWAY_MONGO_REPLICA_SET
+
+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: ChimeraSettle Gateway Service
+    max_reconnects: 10
+    reconnect_wait: 5
+    buffer_size: 1024
+
+gateway:
+  rail: "SETTLEMENT"
+  target_chat_id_env: CHSETTLE_GATEWAY_CHAT_ID
+  timeout_seconds: 345600
+  accepted_user_ids: []
+  success_reaction: "\U0001FAE1"
+
+treasury:
+  execution_delay: 60s
+  poll_interval: 60s
+  ledger:
+    timeout: 5s
+  limits:
+    max_amount_per_operation: "1000000"
+    max_daily_amount: "5000000"

api/gateway/chsettle/config.yml

@@ -0,0 +1,52 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+grpc:
+  network: tcp
+  address: ":50080"
+  advertise_host: "sendico_chsettle_gateway"
+  enable_reflection: true
+  enable_health: true
+
+metrics:
+  address: ":9406"
+
+database:
+  driver: mongodb
+  settings:
+    host_env: CHSETTLE_GATEWAY_MONGO_HOST
+    port_env: CHSETTLE_GATEWAY_MONGO_PORT
+    database_env: CHSETTLE_GATEWAY_MONGO_DATABASE
+    user_env: CHSETTLE_GATEWAY_MONGO_USER
+    password_env: CHSETTLE_GATEWAY_MONGO_PASSWORD
+    auth_source_env: CHSETTLE_GATEWAY_MONGO_AUTH_SOURCE
+    replica_set_env: CHSETTLE_GATEWAY_MONGO_REPLICA_SET
+
+messaging:
+  driver: NATS
+  settings:
+    url_env: NATS_URL
+    host_env: NATS_HOST
+    port_env: NATS_PORT
+    username_env: NATS_USER
+    password_env: NATS_PASSWORD
+    broker_name: ChimeraSettle Gateway Service
+    max_reconnects: 10
+    reconnect_wait: 5
+    buffer_size: 1024
+
+gateway:
+  rail: "SETTLEMENT"
+  target_chat_id_env: CHSETTLE_GATEWAY_CHAT_ID
+  timeout_seconds: 345600
+  accepted_user_ids: []
+  success_reaction: "\U0001FAE1"
+
+treasury:
+  execution_delay: 60s
+  poll_interval: 60s
+  ledger:
+    timeout: 5s
+  limits:
+    max_amount_per_operation: ""
+    max_daily_amount: ""

api/gateway/chsettle/go.mod

@@ -0,0 +1,52 @@
+module github.com/tech/sendico/gateway/chsettle
+
+go 1.25.7
+
+replace github.com/tech/sendico/pkg => ../../pkg
+
+replace github.com/tech/sendico/gateway/common => ../common
+
+require (
+	github.com/tech/sendico/gateway/common v0.1.0
+	github.com/tech/sendico/pkg v0.1.0
+	go.mongodb.org/mongo-driver/v2 v2.5.0
+	go.uber.org/zap v1.27.1
+	google.golang.org/grpc v1.79.2
+	google.golang.org/protobuf v1.36.11
+	gopkg.in/yaml.v3 v3.0.1
+)
+
+require (
+	github.com/beorn7/perks v1.0.1 // indirect
+	github.com/bmatcuk/doublestar/v4 v4.10.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
+	github.com/casbin/govaluate v1.10.0 // indirect
+	github.com/casbin/mongodb-adapter/v4 v4.3.0 // indirect
+	github.com/cespare/xxhash/v2 v2.3.0 // indirect
+	github.com/go-chi/chi/v5 v5.2.5 // indirect
+	github.com/google/uuid v1.6.0 // indirect
+	github.com/klauspost/compress v1.18.4 // indirect
+	github.com/mattn/go-colorable v0.1.14 // indirect
+	github.com/mattn/go-isatty v0.0.20 // indirect
+	github.com/mitchellh/mapstructure v1.5.0 // indirect
+	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
+	github.com/nats-io/nats.go v1.49.0 // indirect
+	github.com/nats-io/nkeys v0.4.15 // indirect
+	github.com/nats-io/nuid v1.0.1 // indirect
+	github.com/prometheus/client_golang v1.23.2 // indirect
+	github.com/prometheus/client_model v0.6.2 // indirect
+	github.com/prometheus/common v0.67.5 // indirect
+	github.com/prometheus/procfs v0.20.1 // indirect
+	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
+	github.com/xdg-go/scram v1.2.0 // indirect
+	github.com/xdg-go/stringprep v1.0.4 // indirect
+	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
+	go.uber.org/multierr v1.11.0 // indirect
+	go.yaml.in/yaml/v2 v2.4.3 // indirect
+	golang.org/x/crypto v0.48.0 // indirect
+	golang.org/x/net v0.51.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
+	golang.org/x/sys v0.41.0 // indirect
+	golang.org/x/text v0.34.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20260226221140-a57be14db171 // indirect
+)

api/gateway/chsettle/go.sum

@@ -0,0 +1,221 @@
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api/gateway/chsettle/internal/appversion/version.go

@@ -0,0 +1,27 @@
+package appversion
+
+import (
+	"github.com/tech/sendico/pkg/version"
+	vf "github.com/tech/sendico/pkg/version/factory"
+)
+
+// Build information. Populated at build-time.
+var (
+	Version   string
+	Revision  string
+	Branch    string
+	BuildUser string
+	BuildDate string
+)
+
+func Create() version.Printer {
+	info := version.Info{
+		Program:   "Sendico Payment Gateway Service",
+		Revision:  Revision,
+		Branch:    Branch,
+		BuildUser: BuildUser,
+		BuildDate: BuildDate,
+		Version:   Version,
+	}
+	return vf.Create(&info)
+}

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

@@ -0,0 +1,230 @@
+package serverimp
+
+import (
+	"context"
+	"os"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/chsettle/internal/service/gateway"
+	"github.com/tech/sendico/gateway/chsettle/storage"
+	gatewaymongo "github.com/tech/sendico/gateway/chsettle/storage/mongo"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/db"
+	"github.com/tech/sendico/pkg/discovery"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	mb "github.com/tech/sendico/pkg/messaging/broker"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server/grpcapp"
+	"go.uber.org/zap"
+	"gopkg.in/yaml.v3"
+)
+
+type Imp struct {
+	logger mlogger.Logger
+	file   string
+	debug  bool
+
+	config  *config
+	app     *grpcapp.App[storage.Repository]
+	service *gateway.Service
+
+	discoveryWatcher *discovery.RegistryWatcher
+	discoveryReg     *discovery.Registry
+}
+
+type config struct {
+	*grpcapp.Config `yaml:",inline"`
+	Gateway         gatewayConfig  `yaml:"gateway"`
+	Treasury        treasuryConfig `yaml:"treasury"`
+}
+
+type gatewayConfig struct {
+	Rail            string   `yaml:"rail"`
+	TargetChatIDEnv string   `yaml:"target_chat_id_env"`
+	TimeoutSeconds  int32    `yaml:"timeout_seconds"`
+	AcceptedUserIDs []string `yaml:"accepted_user_ids"`
+	SuccessReaction string   `yaml:"success_reaction"`
+}
+
+type treasuryConfig struct {
+	ExecutionDelay time.Duration        `yaml:"execution_delay"`
+	PollInterval   time.Duration        `yaml:"poll_interval"`
+	Ledger         ledgerConfig         `yaml:"ledger"`
+	Limits         treasuryLimitsConfig `yaml:"limits"`
+}
+
+type treasuryLimitsConfig struct {
+	MaxAmountPerOperation string `yaml:"max_amount_per_operation"`
+	MaxDailyAmount        string `yaml:"max_daily_amount"`
+}
+
+type ledgerConfig struct {
+	Timeout time.Duration `yaml:"timeout"`
+}
+
+func Create(logger mlogger.Logger, file string, debug bool) (*Imp, error) {
+	return &Imp{
+		logger: logger.Named("server"),
+		file:   file,
+		debug:  debug,
+	}, nil
+}
+
+func (i *Imp) Shutdown() {
+	if i.app == nil {
+		return
+	}
+	timeout := 15 * time.Second
+	if i.config != nil && i.config.Runtime != nil {
+		timeout = i.config.Runtime.ShutdownTimeout()
+	}
+	if i.service != nil {
+		i.service.Shutdown()
+	}
+	if i.discoveryWatcher != nil {
+		i.discoveryWatcher.Stop()
+	}
+	ctx, cancel := context.WithTimeout(context.Background(), timeout)
+	defer cancel()
+	i.app.Shutdown(ctx)
+}
+
+func (i *Imp) Start() error {
+	cfg, err := i.loadConfig()
+	if err != nil {
+		i.logger.Error("Service startup aborted: invalid configuration", zap.Error(err))
+		return err
+	}
+	i.config = cfg
+
+	var broker mb.Broker
+	if cfg.Messaging != nil && cfg.Messaging.Driver != "" {
+		broker, err = msg.CreateMessagingBroker(i.logger, cfg.Messaging)
+		if err != nil {
+			i.logger.Warn("Failed to create messaging broker", zap.Error(err))
+		}
+	}
+	if broker != nil {
+		registry := discovery.NewRegistry()
+		watcher, watcherErr := discovery.NewRegistryWatcher(i.logger, broker, registry)
+		if watcherErr != nil {
+			i.logger.Warn("Failed to initialise discovery registry watcher", zap.Error(watcherErr))
+		} else if startErr := watcher.Start(); startErr != nil {
+			i.logger.Warn("Failed to start discovery registry watcher", zap.Error(startErr))
+		} else {
+			i.discoveryWatcher = watcher
+			i.discoveryReg = registry
+			i.logger.Info("Discovery registry watcher started")
+		}
+	}
+
+	repoFactory := func(logger mlogger.Logger, conn *db.MongoConnection) (storage.Repository, error) {
+		return gatewaymongo.New(logger, conn)
+	}
+
+	serviceFactory := func(logger mlogger.Logger, repo storage.Repository, producer msg.Producer) (grpcapp.Service, error) {
+		invokeURI := ""
+		if cfg.GRPC != nil {
+			invokeURI = cfg.GRPC.DiscoveryInvokeURI()
+		}
+		msgSettings := map[string]any(nil)
+		if cfg.Messaging != nil {
+			msgSettings = cfg.Messaging.Settings
+		}
+		gwCfg := gateway.Config{
+			Rail:              cfg.Gateway.Rail,
+			TargetChatIDEnv:   cfg.Gateway.TargetChatIDEnv,
+			TimeoutSeconds:    cfg.Gateway.TimeoutSeconds,
+			AcceptedUserIDs:   cfg.Gateway.AcceptedUserIDs,
+			SuccessReaction:   cfg.Gateway.SuccessReaction,
+			InvokeURI:         invokeURI,
+			MessagingSettings: msgSettings,
+			DiscoveryRegistry: i.discoveryReg,
+			Treasury: gateway.TreasuryConfig{
+				ExecutionDelay: cfg.Treasury.ExecutionDelay,
+				PollInterval:   cfg.Treasury.PollInterval,
+				Ledger: gateway.LedgerConfig{
+					Timeout: cfg.Treasury.Ledger.Timeout,
+				},
+				Limits: gateway.TreasuryLimitsConfig{
+					MaxAmountPerOperation: cfg.Treasury.Limits.MaxAmountPerOperation,
+					MaxDailyAmount:        cfg.Treasury.Limits.MaxDailyAmount,
+				},
+			},
+		}
+		svc := gateway.NewService(logger, repo, producer, broker, gwCfg)
+		i.service = svc
+		return svc, nil
+	}
+
+	app, err := grpcapp.NewApp(i.logger, "chsettle_gateway", cfg.Config, i.debug, repoFactory, serviceFactory)
+	if err != nil {
+		i.logger.Error("Service startup aborted: failed to construct app", zap.Error(err))
+		return err
+	}
+	i.app = app
+	if err := i.app.Start(); err != nil {
+		i.logger.Error("Service startup aborted: app start failed", zap.Error(err))
+		return err
+	}
+	grpcAddress := ""
+	metricsAddress := ""
+	if cfg.GRPC != nil {
+		grpcAddress = strings.TrimSpace(cfg.GRPC.Address)
+	}
+	if cfg.Metrics != nil {
+		metricsAddress = strings.TrimSpace(cfg.Metrics.Address)
+	}
+	i.logger.Info("ChimeraSettle gateway started",
+		zap.String("grpc_address", grpcAddress),
+		zap.String("metrics_address", metricsAddress))
+	return nil
+}
+
+func (i *Imp) loadConfig() (*config, error) {
+	data, err := os.ReadFile(i.file)
+	if err != nil {
+		i.logger.Error("Could not read configuration file", zap.String("config_file", i.file), zap.Error(err))
+		return nil, err
+	}
+	cfg := &config{Config: &grpcapp.Config{}}
+	if err := yaml.Unmarshal(data, cfg); err != nil {
+		i.logger.Error("Failed to parse configuration", zap.Error(err))
+		return nil, err
+	}
+	if cfg.Runtime == nil {
+		cfg.Runtime = &grpcapp.RuntimeConfig{ShutdownTimeoutSeconds: 15}
+	}
+	if cfg.GRPC == nil {
+		cfg.GRPC = &routers.GRPCConfig{
+			Network:          "tcp",
+			Address:          ":50080",
+			EnableReflection: true,
+			EnableHealth:     true,
+		}
+	}
+	if cfg.Metrics == nil {
+		cfg.Metrics = &grpcapp.MetricsConfig{Address: ":9406"}
+	}
+	if cfg.Treasury.ExecutionDelay <= 0 {
+		cfg.Treasury.ExecutionDelay = 30 * time.Second
+	}
+	if cfg.Treasury.PollInterval <= 0 {
+		cfg.Treasury.PollInterval = 30 * time.Second
+	}
+	if cfg.Treasury.Ledger.Timeout <= 0 {
+		cfg.Treasury.Ledger.Timeout = 5 * time.Second
+	}
+	cfg.Gateway.Rail = discovery.NormalizeRail(cfg.Gateway.Rail)
+	if cfg.Gateway.Rail == "" {
+		i.logger.Error("Invalid configuration: gateway rail is required")
+		return nil, merrors.InvalidArgument("gateway rail is required", "gateway.rail")
+	}
+	if !discovery.IsKnownRail(cfg.Gateway.Rail) {
+		i.logger.Error("Invalid configuration: gateway rail is unknown", zap.String("gateway_rail", cfg.Gateway.Rail))
+		return nil, merrors.InvalidArgument("gateway rail must be a known token", "gateway.rail")
+	}
+	return cfg, nil
+}

api/gateway/chsettle/internal/server/server.go

@@ -0,0 +1,11 @@
+package server
+
+import (
+	serverimp "github.com/tech/sendico/gateway/chsettle/internal/server/internal"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+)
+
+func Create(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return serverimp.Create(logger, file, debug)
+}

api/gateway/chsettle/internal/service/gateway/confirmation_flow.go

@@ -0,0 +1,443 @@
+package gateway
+
+import (
+	"context"
+	"errors"
+	"regexp"
+	"strings"
+	"time"
+
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	confirmations "github.com/tech/sendico/pkg/messaging/notifications/confirmations"
+	tnotifications "github.com/tech/sendico/pkg/messaging/notifications/telegram"
+	"github.com/tech/sendico/pkg/model"
+	"github.com/tech/sendico/pkg/mservice"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	"go.uber.org/zap"
+)
+
+var amountPattern = regexp.MustCompile(`^[0-9]+(\.[0-9]+)?$`)
+var currencyPattern = regexp.MustCompile(`^[A-Za-z]{3,10}$`)
+
+func (s *Service) startConfirmationTimeoutWatcher() {
+	if s == nil || s.repo == nil || s.repo.PendingConfirmations() == nil {
+		return
+	}
+	if s.timeoutCancel != nil {
+		return
+	}
+	ctx, cancel := context.WithCancel(context.Background())
+	s.timeoutCtx = ctx
+	s.timeoutCancel = cancel
+	s.timeoutWG.Add(1)
+	go func() {
+		defer s.timeoutWG.Done()
+		ticker := time.NewTicker(defaultConfirmationSweepInterval)
+		defer ticker.Stop()
+		for {
+			select {
+			case <-ctx.Done():
+				return
+			case <-ticker.C:
+				s.sweepExpiredConfirmations(ctx)
+			}
+		}
+	}()
+}
+
+func (s *Service) sweepExpiredConfirmations(ctx context.Context) {
+	if s == nil || s.repo == nil || s.repo.PendingConfirmations() == nil {
+		return
+	}
+	expired, err := s.repo.PendingConfirmations().ListExpired(ctx, time.Now(), 100)
+	if err != nil {
+		s.logger.Warn("Failed to list expired pending confirmations", zap.Error(err))
+		return
+	}
+	for i := range expired {
+		pending := &expired[i]
+		if strings.TrimSpace(pending.RequestID) == "" {
+			continue
+		}
+		result := &model.ConfirmationResult{
+			RequestID: pending.RequestID,
+			Status:    model.ConfirmationStatusTimeout,
+		}
+		if err := s.publishPendingConfirmationResult(pending, result); err != nil {
+			s.logger.Warn("Failed to publish timeout confirmation result", zap.Error(err), zap.String("request_id", pending.RequestID))
+			continue
+		}
+		if err := s.clearPendingConfirmation(ctx, pending.RequestID); err != nil {
+			s.logger.Warn("Failed to remove expired pending confirmation", zap.Error(err), zap.String("request_id", pending.RequestID))
+		}
+	}
+}
+
+func (s *Service) persistPendingConfirmation(ctx context.Context, request *model.ConfirmationRequest) error {
+	if request == nil {
+		return merrors.InvalidArgument("confirmation request is nil", "request")
+	}
+	if s == nil || s.repo == nil || s.repo.PendingConfirmations() == nil {
+		return merrors.Internal("pending confirmations store unavailable")
+	}
+	timeout := request.TimeoutSeconds
+	if timeout <= 0 {
+		timeout = int32(defaultConfirmationTimeoutSeconds)
+	}
+	pending := &storagemodel.PendingConfirmation{
+		RequestID:       strings.TrimSpace(request.RequestID),
+		TargetChatID:    strings.TrimSpace(request.TargetChatID),
+		AcceptedUserIDs: normalizeStringList(request.AcceptedUserIDs),
+		RequestedMoney:  request.RequestedMoney,
+		SourceService:   strings.TrimSpace(request.SourceService),
+		Rail:            strings.TrimSpace(request.Rail),
+		ExpiresAt:       time.Now().Add(time.Duration(timeout) * time.Second),
+	}
+	return s.repo.PendingConfirmations().Upsert(ctx, pending)
+}
+
+func (s *Service) clearPendingConfirmation(ctx context.Context, requestID string) error {
+	if s == nil || s.repo == nil || s.repo.PendingConfirmations() == nil {
+		return nil
+	}
+	requestID = strings.TrimSpace(requestID)
+	if requestID == "" {
+		return nil
+	}
+	return s.repo.PendingConfirmations().DeleteByRequestID(ctx, requestID)
+}
+
+func (s *Service) onConfirmationDispatch(ctx context.Context, dispatch *model.ConfirmationRequestDispatch) error {
+	if dispatch == nil {
+		return merrors.InvalidArgument("confirmation dispatch is nil", "dispatch")
+	}
+	if s == nil || s.repo == nil || s.repo.PendingConfirmations() == nil {
+		return merrors.Internal("pending confirmations store unavailable")
+	}
+	requestID := strings.TrimSpace(dispatch.RequestID)
+	messageID := strings.TrimSpace(dispatch.MessageID)
+	if requestID == "" {
+		return merrors.InvalidArgument("confirmation request_id is required", "request_id")
+	}
+	if messageID == "" {
+		return merrors.InvalidArgument("confirmation message_id is required", "message_id")
+	}
+	if err := s.repo.PendingConfirmations().AttachMessage(ctx, requestID, messageID); err != nil {
+		if errors.Is(err, merrors.ErrNoData) {
+			s.logger.Info("Confirmation dispatch ignored: pending request not found",
+				zap.String("request_id", requestID),
+				zap.String("message_id", messageID))
+			return nil
+		}
+		s.logger.Warn("Failed to attach confirmation message id", zap.Error(err), zap.String("request_id", requestID), zap.String("message_id", messageID))
+		return err
+	}
+	s.logger.Info("Pending confirmation message attached", zap.String("request_id", requestID), zap.String("message_id", messageID))
+	return nil
+}
+
+func (s *Service) onTelegramUpdate(ctx context.Context, update *model.TelegramWebhookUpdate) error {
+	if update == nil || update.Message == nil {
+		return nil
+	}
+	if s == nil || s.repo == nil || s.repo.PendingConfirmations() == nil {
+		return merrors.Internal("pending confirmations store unavailable")
+	}
+	message := update.Message
+	replyToID := strings.TrimSpace(message.ReplyToMessageID)
+	if replyToID == "" {
+		s.handleTreasuryTelegramUpdate(ctx, update)
+		return nil
+	}
+	replyFields := telegramReplyLogFields(update)
+	pending, err := s.repo.PendingConfirmations().FindByMessageID(ctx, replyToID)
+	if err != nil {
+		return err
+	}
+	if pending == nil {
+		if s.handleTreasuryTelegramUpdate(ctx, update) {
+			return nil
+		}
+		s.logger.Warn("Telegram confirmation reply dropped",
+			append(replyFields,
+				zap.String("outcome", "dropped"),
+				zap.String("reason", "no_pending_confirmation"),
+			)...)
+		return nil
+	}
+	replyFields = append(replyFields,
+		zap.String("request_id", strings.TrimSpace(pending.RequestID)),
+		zap.String("target_chat_id", strings.TrimSpace(pending.TargetChatID)),
+	)
+
+	if !pending.ExpiresAt.IsZero() && time.Now().After(pending.ExpiresAt) {
+		result := &model.ConfirmationResult{
+			RequestID: pending.RequestID,
+			Status:    model.ConfirmationStatusTimeout,
+		}
+		if err := s.publishPendingConfirmationResult(pending, result); err != nil {
+			return err
+		}
+		if err := s.clearPendingConfirmation(ctx, pending.RequestID); err != nil {
+			return err
+		}
+		s.logger.Info("Telegram confirmation reply processed",
+			append(replyFields,
+				zap.String("outcome", "processed"),
+				zap.String("result_status", string(result.Status)),
+				zap.String("reason", "expired_confirmation"),
+			)...)
+		return nil
+	}
+
+	if strings.TrimSpace(message.ChatID) != strings.TrimSpace(pending.TargetChatID) {
+		s.logger.Warn("Telegram confirmation reply dropped",
+			append(replyFields,
+				zap.String("outcome", "dropped"),
+				zap.String("reason", "chat_mismatch"),
+				zap.String("expected_chat_id", strings.TrimSpace(pending.TargetChatID)),
+			)...)
+		return nil
+	}
+
+	if !isUserAllowed(message.FromUserID, pending.AcceptedUserIDs) {
+		result := &model.ConfirmationResult{
+			RequestID:  pending.RequestID,
+			Status:     model.ConfirmationStatusRejected,
+			ParseError: "unauthorized_user",
+			RawReply:   message,
+		}
+		if err := s.publishPendingConfirmationResult(pending, result); err != nil {
+			return err
+		}
+		if e := s.sendTelegramText(ctx, &model.TelegramTextRequest{
+			RequestID:        pending.RequestID,
+			ChatID:           pending.TargetChatID,
+			ReplyToMessageID: message.MessageID,
+			Text:             "Only approved users can confirm this payment.",
+		}); e != nil {
+			s.logger.Warn("Failed to create telegram text", append(replyFields, zap.Error(err))...)
+		}
+		if err := s.clearPendingConfirmation(ctx, pending.RequestID); err != nil {
+			return err
+		}
+		s.logger.Info("Telegram confirmation reply processed",
+			append(replyFields,
+				zap.String("outcome", "processed"),
+				zap.String("result_status", string(result.Status)),
+				zap.String("reason", "unauthorized_user"),
+			)...)
+		return nil
+	}
+
+	money, reason, err := parseConfirmationReply(message.Text)
+	if err != nil {
+		if markErr := s.repo.PendingConfirmations().MarkClarified(ctx, pending.RequestID); markErr != nil {
+			s.logger.Warn("Failed to mark confirmation as clarified", zap.Error(markErr), zap.String("request_id", pending.RequestID))
+		}
+		if e := s.sendTelegramText(ctx, &model.TelegramTextRequest{
+			RequestID:        pending.RequestID,
+			ChatID:           pending.TargetChatID,
+			ReplyToMessageID: message.MessageID,
+			Text:             clarificationMessage(reason),
+		}); e != nil {
+			s.logger.Warn("Failed to create telegram text", append(replyFields, zap.Error(err))...)
+		}
+		s.logger.Warn("Telegram confirmation reply dropped",
+			append(replyFields,
+				zap.String("outcome", "dropped"),
+				zap.String("reason", "invalid_reply_format"),
+				zap.String("parse_reason", reason),
+			)...)
+		return nil
+	}
+
+	status := model.ConfirmationStatusConfirmed
+	if pending.Clarified {
+		status = model.ConfirmationStatusClarified
+	}
+	result := &model.ConfirmationResult{
+		RequestID: pending.RequestID,
+		Money:     money,
+		RawReply:  message,
+		Status:    status,
+	}
+	if err := s.publishPendingConfirmationResult(pending, result); err != nil {
+		return err
+	}
+	if err := s.clearPendingConfirmation(ctx, pending.RequestID); err != nil {
+		return err
+	}
+	s.logger.Info("Telegram confirmation reply processed",
+		append(replyFields,
+			zap.String("outcome", "processed"),
+			zap.String("result_status", string(result.Status)),
+		)...)
+	return nil
+}
+
+func (s *Service) handleTreasuryTelegramUpdate(ctx context.Context, update *model.TelegramWebhookUpdate) bool {
+	if s == nil || s.treasury == nil || update == nil || update.Message == nil {
+		return false
+	}
+	return s.treasury.HandleUpdate(ctx, update)
+}
+
+func telegramReplyLogFields(update *model.TelegramWebhookUpdate) []zap.Field {
+	if update == nil || update.Message == nil {
+		return nil
+	}
+	message := update.Message
+	return []zap.Field{
+		zap.Int64("update_id", update.UpdateID),
+		zap.String("message_id", strings.TrimSpace(message.MessageID)),
+		zap.String("reply_to_message_id", strings.TrimSpace(message.ReplyToMessageID)),
+		zap.String("chat_id", strings.TrimSpace(message.ChatID)),
+		zap.String("from_user_id", strings.TrimSpace(message.FromUserID)),
+	}
+}
+
+func (s *Service) publishPendingConfirmationResult(pending *storagemodel.PendingConfirmation, result *model.ConfirmationResult) error {
+	if pending == nil || result == nil {
+		return merrors.InvalidArgument("pending confirmation context is required")
+	}
+	if s == nil || s.producer == nil {
+		return merrors.Internal("messaging producer is not configured")
+	}
+	sourceService := strings.TrimSpace(pending.SourceService)
+	if sourceService == "" {
+		sourceService = string(mservice.PaymentGateway)
+	}
+	rail := strings.TrimSpace(pending.Rail)
+	if rail == "" {
+		rail = s.rail
+	}
+	env := confirmations.ConfirmationResult(string(mservice.PaymentGateway), result, sourceService, rail)
+	if err := s.producer.SendMessage(env); err != nil {
+		s.logger.Warn("Failed to publish confirmation result", zap.Error(err),
+			zap.String("request_id", strings.TrimSpace(result.RequestID)),
+			zap.String("status", string(result.Status)),
+			zap.String("source_service", sourceService),
+			zap.String("rail", rail))
+		return err
+	}
+	return nil
+}
+
+func (s *Service) sendTelegramText(_ context.Context, request *model.TelegramTextRequest) error {
+	if request == nil {
+		return merrors.InvalidArgument("telegram text request is nil", "request")
+	}
+	if s == nil || s.producer == nil {
+		return merrors.Internal("messaging producer is not configured")
+	}
+	request.ChatID = strings.TrimSpace(request.ChatID)
+	request.Text = strings.TrimSpace(request.Text)
+	request.ReplyToMessageID = strings.TrimSpace(request.ReplyToMessageID)
+	if request.ChatID == "" || request.Text == "" {
+		return merrors.InvalidArgument("telegram chat_id and text are required", "chat_id", "text")
+	}
+	env := tnotifications.TelegramText(string(mservice.PaymentGateway), request)
+	if err := s.producer.SendMessage(env); err != nil {
+		s.logger.Warn("Failed to publish telegram text request", zap.Error(err),
+			zap.String("request_id", request.RequestID),
+			zap.String("chat_id", request.ChatID),
+			zap.String("reply_to_message_id", request.ReplyToMessageID))
+		return err
+	}
+	return nil
+}
+
+func isFinalConfirmationStatus(status model.ConfirmationStatus) bool {
+	switch status {
+	case model.ConfirmationStatusConfirmed, model.ConfirmationStatusRejected, model.ConfirmationStatusTimeout, model.ConfirmationStatusClarified:
+		return true
+	default:
+		return false
+	}
+}
+
+func isUserAllowed(userID string, allowed []string) bool {
+	allowed = normalizeStringList(allowed)
+	if len(allowed) == 0 {
+		return true
+	}
+	userID = strings.TrimSpace(userID)
+	if userID == "" {
+		return false
+	}
+	for _, id := range allowed {
+		if id == userID {
+			return true
+		}
+	}
+	return false
+}
+
+func parseConfirmationReply(text string) (*paymenttypes.Money, string, error) {
+	text = strings.TrimSpace(text)
+	if text == "" {
+		return nil, "empty", merrors.InvalidArgument("empty reply")
+	}
+	parts := strings.Fields(text)
+	if len(parts) < 2 {
+		if len(parts) == 1 && amountPattern.MatchString(parts[0]) {
+			return nil, "missing_currency", merrors.InvalidArgument("currency is required")
+		}
+		return nil, "missing_amount", merrors.InvalidArgument("amount is required")
+	}
+	if len(parts) > 2 {
+		return nil, "format", merrors.InvalidArgument("reply format is invalid")
+	}
+	amount := parts[0]
+	currency := parts[1]
+	if !amountPattern.MatchString(amount) {
+		return nil, "invalid_amount", merrors.InvalidArgument("amount format is invalid")
+	}
+	if !currencyPattern.MatchString(currency) {
+		return nil, "invalid_currency", merrors.InvalidArgument("currency format is invalid")
+	}
+	return &paymenttypes.Money{
+		Amount:   amount,
+		Currency: strings.ToUpper(currency),
+	}, "", nil
+}
+
+func clarificationMessage(reason string) string {
+	switch reason {
+	case "missing_currency":
+		return "Currency code is required. Reply with \"<amount> <currency>\" (e.g., 12.34 USD)."
+	case "missing_amount":
+		return "Amount is required. Reply with \"<amount> <currency>\" (e.g., 12.34 USD)."
+	case "invalid_amount":
+		return "Amount must be a decimal number. Reply with \"<amount> <currency>\" (e.g., 12.34 USD)."
+	case "invalid_currency":
+		return "Currency must be a code like USD or EUR. Reply with \"<amount> <currency>\"."
+	default:
+		return "Reply with \"<amount> <currency>\" (e.g., 12.34 USD)."
+	}
+}
+
+func normalizeStringList(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	result := make([]string, 0, len(values))
+	seen := map[string]struct{}{}
+	for _, value := range values {
+		value = strings.TrimSpace(value)
+		if value == "" {
+			continue
+		}
+		if _, ok := seen[value]; ok {
+			continue
+		}
+		seen[value] = struct{}{}
+		result = append(result, value)
+	}
+	if len(result) == 0 {
+		return nil
+	}
+	return result
+}

api/gateway/chsettle/internal/service/gateway/connector.go

@@ -0,0 +1,413 @@
+package gateway
+
+import (
+	"context"
+	"errors"
+	"strings"
+
+	"github.com/tech/sendico/pkg/connector/params"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	"go.uber.org/zap"
+	"google.golang.org/grpc/codes"
+	"google.golang.org/grpc/status"
+	"google.golang.org/protobuf/types/known/structpb"
+)
+
+const (
+	chsettleConnectorID      = "chsettle"
+	connectorScenarioParam   = "scenario"
+	connectorScenarioMetaKey = "chsettle_scenario"
+)
+
+func (s *Service) GetCapabilities(_ context.Context, _ *connectorv1.GetCapabilitiesRequest) (*connectorv1.GetCapabilitiesResponse, error) {
+	return &connectorv1.GetCapabilitiesResponse{
+		Capabilities: &connectorv1.ConnectorCapabilities{
+			ConnectorType:           chsettleConnectorID,
+			Version:                 "",
+			SupportedAccountKinds:   nil,
+			SupportedOperationTypes: []connectorv1.OperationType{connectorv1.OperationType_TRANSFER},
+			OperationParams:         chsettleOperationParams(),
+		},
+	}, nil
+}
+
+func (s *Service) OpenAccount(_ context.Context, _ *connectorv1.OpenAccountRequest) (*connectorv1.OpenAccountResponse, error) {
+	return &connectorv1.OpenAccountResponse{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_ACCOUNT_KIND, "open_account: unsupported", nil, "")}, nil
+}
+
+func (s *Service) GetAccount(_ context.Context, _ *connectorv1.GetAccountRequest) (*connectorv1.GetAccountResponse, error) {
+	return nil, merrors.NotImplemented("get_account: unsupported")
+}
+
+func (s *Service) ListAccounts(_ context.Context, _ *connectorv1.ListAccountsRequest) (*connectorv1.ListAccountsResponse, error) {
+	return nil, merrors.NotImplemented("list_accounts: unsupported")
+}
+
+func (s *Service) GetBalance(_ context.Context, _ *connectorv1.GetBalanceRequest) (*connectorv1.GetBalanceResponse, error) {
+	return nil, merrors.NotImplemented("get_balance: unsupported")
+}
+
+func (s *Service) SubmitOperation(ctx context.Context, req *connectorv1.SubmitOperationRequest) (*connectorv1.SubmitOperationResponse, error) {
+	if req == nil || req.GetOperation() == nil {
+		s.logger.Warn("Submit operation rejected", zap.String("reason", "operation is required"))
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: operation is required", nil, "")}}, nil
+	}
+	op := req.GetOperation()
+	s.logger.Debug("Submit operation request received",
+		zap.String("idempotency_key", strings.TrimSpace(op.GetIdempotencyKey())),
+		zap.String("intent_ref", strings.TrimSpace(op.GetIntentRef())),
+		zap.String("operation_ref", strings.TrimSpace(op.GetOperationRef())))
+	if strings.TrimSpace(op.GetIdempotencyKey()) == "" {
+		s.logger.Warn("Submit operation rejected", append(operationLogFields(op), zap.String("reason", "idempotency_key is required"))...)
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: idempotency_key is required", op, "")}}, nil
+	}
+	if op.GetType() != connectorv1.OperationType_TRANSFER {
+		s.logger.Warn("Submit operation rejected", append(operationLogFields(op), zap.String("reason", "unsupported operation type"))...)
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_UNSUPPORTED_OPERATION, "submit_operation: unsupported operation type", op, "")}}, nil
+	}
+	reader := params.New(op.GetParams())
+	metadata := reader.StringMap("metadata")
+	if metadata == nil {
+		metadata = map[string]string{}
+	}
+	paymentIntentID := strings.TrimSpace(reader.String("payment_intent_id"))
+	if paymentIntentID == "" {
+		paymentIntentID = strings.TrimSpace(reader.String("payment_ref"))
+	}
+	if paymentIntentID == "" {
+		paymentIntentID = strings.TrimSpace(metadata[metadataPaymentIntentID])
+	}
+	if paymentIntentID == "" {
+		s.logger.Warn("Submit operation rejected", append(operationLogFields(op), zap.String("reason", "payment_intent_id is required"))...)
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "submit_operation: payment_intent_id is required", op, "")}}, nil
+	}
+	source := operationAccountID(op.GetFrom())
+	if source == "" {
+		s.logger.Warn("Submit operation rejected", append(operationLogFields(op), zap.String("reason", "from.account is required"))...)
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "transfer: from.account is required", op, "")}}, nil
+	}
+	dest, err := transferDestinationFromOperation(op)
+	if err != nil {
+		s.logger.Warn("Submit operation rejected", append(operationLogFields(op), zap.Error(err))...)
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, err.Error(), op, "")}}, nil
+	}
+	amount := op.GetMoney()
+	if amount == nil {
+		s.logger.Warn("Submit operation rejected", append(operationLogFields(op), zap.String("reason", "money is required"))...)
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(connectorv1.ErrorCode_INVALID_PARAMS, "transfer: money is required", op, "")}}, nil
+	}
+
+	metadata[metadataPaymentIntentID] = paymentIntentID
+	quoteRef := strings.TrimSpace(reader.String("quote_ref"))
+	if quoteRef != "" {
+		metadata[metadataQuoteRef] = quoteRef
+	}
+	targetChatID := strings.TrimSpace(reader.String("target_chat_id"))
+	if targetChatID != "" {
+		metadata[metadataTargetChatID] = targetChatID
+	}
+	outgoingLeg := normalizeRail(reader.String("outgoing_leg"))
+	if outgoingLeg != "" {
+		metadata[metadataOutgoingLeg] = outgoingLeg
+	}
+	if scenario := strings.TrimSpace(reader.String(connectorScenarioParam)); scenario != "" {
+		metadata[connectorScenarioMetaKey] = scenario
+	}
+	s.logger.Debug("Submit operation parsed transfer metadata",
+		zap.String("idempotency_key", strings.TrimSpace(op.GetIdempotencyKey())),
+		zap.String("payment_intent_id", paymentIntentID),
+		zap.String("quote_ref", quoteRef),
+		zap.String("target_chat_id", targetChatID),
+		zap.String("outgoing_leg", outgoingLeg),
+		zap.String("scenario_override", strings.TrimSpace(metadata[connectorScenarioMetaKey])))
+
+	normalizedAmount := normalizeMoneyForTransfer(amount)
+	logFields := append(operationLogFields(op),
+		zap.String("payment_intent_id", paymentIntentID),
+		zap.String("organization_ref", strings.TrimSpace(reader.String("organization_ref"))),
+		zap.String("source_wallet_ref", source),
+		zap.String("amount", strings.TrimSpace(normalizedAmount.GetAmount())),
+		zap.String("currency", strings.TrimSpace(normalizedAmount.GetCurrency())),
+		zap.String("quote_ref", quoteRef),
+		zap.String("operation_ref", req.Operation.GetOperationRef()),
+		zap.String("intent_ref", op.GetIntentRef()),
+		zap.String("outgoing_leg", outgoingLeg),
+	)
+	logFields = append(logFields, transferDestinationLogFields(dest)...)
+	s.logger.Debug("Submit operation forwarding to transfer handler", logFields...)
+
+	resp, err := s.SubmitTransfer(ctx, &chainv1.SubmitTransferRequest{
+		IdempotencyKey:  strings.TrimSpace(op.GetIdempotencyKey()),
+		OrganizationRef: strings.TrimSpace(reader.String("organization_ref")),
+		SourceWalletRef: source,
+		Destination:     dest,
+		Amount:          normalizedAmount,
+		Metadata:        metadata,
+		PaymentRef:      paymentIntentID,
+		IntentRef:       strings.TrimSpace(op.GetIntentRef()),
+		OperationRef:    strings.TrimSpace(op.GetOperationRef()),
+	})
+	if err != nil {
+		s.logger.Warn("Submit operation transfer failed", append(logFields, zap.Error(err))...)
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{Error: connectorError(mapErrorCode(err), err.Error(), op, "")}}, nil
+	}
+	transfer := resp.GetTransfer()
+	operationID := strings.TrimSpace(transfer.GetOperationRef())
+	if operationID == "" {
+		s.logger.Warn("Submit operation transfer response missing operation_ref", append(logFields,
+			zap.String("transfer_ref", strings.TrimSpace(transfer.GetTransferRef())),
+		)...)
+		return &connectorv1.SubmitOperationResponse{Receipt: &connectorv1.OperationReceipt{
+			Error: connectorError(connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE, "submit_operation: operation_ref is missing in transfer response", op, ""),
+		}}, nil
+	}
+	s.logger.Info("Submit operation transfer submitted", append(logFields,
+		zap.String("transfer_ref", strings.TrimSpace(transfer.GetTransferRef())),
+		zap.String("status", transfer.GetStatus().String()),
+	)...)
+	return &connectorv1.SubmitOperationResponse{
+		Receipt: &connectorv1.OperationReceipt{
+			OperationId: operationID,
+			Status:      transferStatusToOperation(transfer.GetStatus()),
+			ProviderRef: strings.TrimSpace(transfer.GetTransferRef()),
+		},
+	}, nil
+}
+
+func (s *Service) GetOperation(ctx context.Context, req *connectorv1.GetOperationRequest) (*connectorv1.GetOperationResponse, error) {
+	if req == nil || strings.TrimSpace(req.GetOperationId()) == "" {
+		s.logger.Warn("Get operation rejected", zap.String("reason", "operation_id is required"))
+		return nil, merrors.InvalidArgument("get_operation: operation_id is required")
+	}
+	operationID := strings.TrimSpace(req.GetOperationId())
+	s.logger.Debug("Get operation request received", zap.String("operation_id", operationID))
+
+	if s.repo == nil || s.repo.Payments() == nil {
+		s.logger.Warn("Get operation storage unavailable", zap.String("operation_id", operationID))
+		return nil, merrors.Internal("get_operation: storage is not configured")
+	}
+
+	record, err := s.repo.Payments().FindByOperationRef(ctx, operationID)
+	if err != nil {
+		s.logger.Warn("Get operation lookup by operation_ref failed", zap.String("operation_id", operationID), zap.Error(err))
+		return nil, err
+	}
+	if record == nil {
+		s.logger.Info("Get operation not found", zap.String("operation_id", operationID))
+		return nil, status.Error(codes.NotFound, "operation not found")
+	}
+
+	return &connectorv1.GetOperationResponse{Operation: transferToOperation(transferFromPayment(record, nil))}, nil
+}
+
+func (s *Service) ListOperations(_ context.Context, _ *connectorv1.ListOperationsRequest) (*connectorv1.ListOperationsResponse, error) {
+	return nil, merrors.NotImplemented("list_operations: unsupported")
+}
+
+func chsettleOperationParams() []*connectorv1.OperationParamSpec {
+	return []*connectorv1.OperationParamSpec{
+		{OperationType: connectorv1.OperationType_TRANSFER, Params: []*connectorv1.ParamSpec{
+			{Key: "payment_intent_id", Type: connectorv1.ParamType_STRING, Required: true},
+			{Key: "organization_ref", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "quote_ref", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "target_chat_id", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "outgoing_leg", Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: connectorScenarioParam, Type: connectorv1.ParamType_STRING, Required: false},
+			{Key: "metadata", Type: connectorv1.ParamType_JSON, Required: false},
+		}},
+	}
+}
+
+func transferDestinationFromOperation(op *connectorv1.Operation) (*chainv1.TransferDestination, error) {
+	if op == nil {
+		return nil, merrors.InvalidArgument("transfer: operation is required")
+	}
+	if to := op.GetTo(); to != nil {
+		if account := to.GetAccount(); account != nil {
+			return &chainv1.TransferDestination{Destination: &chainv1.TransferDestination_ManagedWalletRef{ManagedWalletRef: strings.TrimSpace(account.GetAccountId())}}, nil
+		}
+		if ext := to.GetExternal(); ext != nil {
+			return &chainv1.TransferDestination{Destination: &chainv1.TransferDestination_ExternalAddress{ExternalAddress: strings.TrimSpace(ext.GetExternalRef())}}, nil
+		}
+	}
+	return nil, merrors.InvalidArgument("transfer: to.account or to.external is required")
+}
+
+func normalizeMoneyForTransfer(m *moneyv1.Money) *moneyv1.Money {
+	if m == nil {
+		return nil
+	}
+	currency := strings.TrimSpace(m.GetCurrency())
+	if idx := strings.Index(currency, "-"); idx > 0 {
+		currency = currency[:idx]
+	}
+	return &moneyv1.Money{
+		Amount:   strings.TrimSpace(m.GetAmount()),
+		Currency: currency,
+	}
+}
+
+func transferToOperation(transfer *chainv1.Transfer) *connectorv1.Operation {
+	if transfer == nil {
+		return nil
+	}
+	op := &connectorv1.Operation{
+		OperationId:  strings.TrimSpace(transfer.GetOperationRef()),
+		Type:         connectorv1.OperationType_TRANSFER,
+		Status:       transferStatusToOperation(transfer.GetStatus()),
+		Money:        transfer.GetRequestedAmount(),
+		ProviderRef:  strings.TrimSpace(transfer.GetTransferRef()),
+		IntentRef:    strings.TrimSpace(transfer.GetIntentRef()),
+		OperationRef: strings.TrimSpace(transfer.GetOperationRef()),
+		CreatedAt:    transfer.GetCreatedAt(),
+		UpdatedAt:    transfer.GetUpdatedAt(),
+	}
+	params := map[string]interface{}{}
+	if paymentRef := strings.TrimSpace(transfer.GetPaymentRef()); paymentRef != "" {
+		params["payment_ref"] = paymentRef
+	}
+	if organizationRef := strings.TrimSpace(transfer.GetOrganizationRef()); organizationRef != "" {
+		params["organization_ref"] = organizationRef
+	}
+	if failureReason := strings.TrimSpace(transfer.GetFailureReason()); failureReason != "" {
+		params["failure_reason"] = failureReason
+	}
+	if len(params) > 0 {
+		op.Params = structFromMap(params)
+	}
+	if source := strings.TrimSpace(transfer.GetSourceWalletRef()); source != "" {
+		op.From = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{
+			ConnectorId: chsettleConnectorID,
+			AccountId:   source,
+		}}}
+	}
+	if dest := transfer.GetDestination(); dest != nil {
+		switch d := dest.GetDestination().(type) {
+		case *chainv1.TransferDestination_ManagedWalletRef:
+			op.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{
+				ConnectorId: chsettleConnectorID,
+				AccountId:   strings.TrimSpace(d.ManagedWalletRef),
+			}}}
+		case *chainv1.TransferDestination_ExternalAddress:
+			op.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_External{External: &connectorv1.ExternalRef{
+				ExternalRef: strings.TrimSpace(d.ExternalAddress),
+			}}}
+		}
+	}
+	return op
+}
+
+func transferStatusToOperation(status chainv1.TransferStatus) connectorv1.OperationStatus {
+	switch status {
+
+	case chainv1.TransferStatus_TRANSFER_CREATED:
+		return connectorv1.OperationStatus_OPERATION_CREATED
+
+	case chainv1.TransferStatus_TRANSFER_PROCESSING:
+		return connectorv1.OperationStatus_OPERATION_PROCESSING
+
+	case chainv1.TransferStatus_TRANSFER_WAITING:
+		return connectorv1.OperationStatus_OPERATION_WAITING
+
+	case chainv1.TransferStatus_TRANSFER_SUCCESS:
+		return connectorv1.OperationStatus_OPERATION_SUCCESS
+
+	case chainv1.TransferStatus_TRANSFER_FAILED:
+		return connectorv1.OperationStatus_OPERATION_FAILED
+
+	case chainv1.TransferStatus_TRANSFER_CANCELLED:
+		return connectorv1.OperationStatus_OPERATION_CANCELLED
+
+	case chainv1.TransferStatus_TRANSFER_STATUS_UNSPECIFIED:
+		fallthrough
+	default:
+		return connectorv1.OperationStatus_OPERATION_STATUS_UNSPECIFIED
+	}
+}
+
+func operationAccountID(party *connectorv1.OperationParty) string {
+	if party == nil {
+		return ""
+	}
+	if account := party.GetAccount(); account != nil {
+		return strings.TrimSpace(account.GetAccountId())
+	}
+	return ""
+}
+
+func structFromMap(values map[string]interface{}) *structpb.Struct {
+	if len(values) == 0 {
+		return nil
+	}
+	result, err := structpb.NewStruct(values)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func operationLogFields(op *connectorv1.Operation) []zap.Field {
+	if op == nil {
+		return nil
+	}
+	return []zap.Field{
+		zap.String("operation_id", strings.TrimSpace(op.GetOperationId())),
+		zap.String("idempotency_key", strings.TrimSpace(op.GetIdempotencyKey())),
+		zap.String("correlation_id", strings.TrimSpace(op.GetCorrelationId())),
+		zap.String("parent_intent_id", strings.TrimSpace(op.GetParentIntentId())),
+		zap.String("operation_type", op.GetType().String()),
+		zap.String("intent_ref", strings.TrimSpace(op.GetIntentRef())),
+	}
+}
+
+func transferDestinationLogFields(dest *chainv1.TransferDestination) []zap.Field {
+	if dest == nil {
+		return nil
+	}
+	switch d := dest.GetDestination().(type) {
+	case *chainv1.TransferDestination_ManagedWalletRef:
+		return []zap.Field{
+			zap.String("destination_type", "managed_wallet"),
+			zap.String("destination_ref", strings.TrimSpace(d.ManagedWalletRef)),
+		}
+	case *chainv1.TransferDestination_ExternalAddress:
+		return []zap.Field{
+			zap.String("destination_type", "external_address"),
+			zap.String("destination_ref", strings.TrimSpace(d.ExternalAddress)),
+		}
+	default:
+		return []zap.Field{zap.String("destination_type", "unknown")}
+	}
+}
+
+func connectorError(code connectorv1.ErrorCode, message string, op *connectorv1.Operation, accountID string) *connectorv1.ConnectorError {
+	err := &connectorv1.ConnectorError{
+		Code:      code,
+		Message:   strings.TrimSpace(message),
+		AccountId: strings.TrimSpace(accountID),
+	}
+	if op != nil {
+		err.CorrelationId = strings.TrimSpace(op.GetCorrelationId())
+		err.ParentIntentId = strings.TrimSpace(op.GetParentIntentId())
+		err.OperationId = strings.TrimSpace(op.GetOperationId())
+	}
+	return err
+}
+
+func mapErrorCode(err error) connectorv1.ErrorCode {
+	switch {
+	case errors.Is(err, merrors.ErrInvalidArg):
+		return connectorv1.ErrorCode_INVALID_PARAMS
+	case errors.Is(err, merrors.ErrNoData):
+		return connectorv1.ErrorCode_NOT_FOUND
+	case errors.Is(err, merrors.ErrNotImplemented):
+		return connectorv1.ErrorCode_UNSUPPORTED_OPERATION
+	case errors.Is(err, merrors.ErrInternal):
+		return connectorv1.ErrorCode_TEMPORARY_UNAVAILABLE
+	default:
+		return connectorv1.ErrorCode_PROVIDER_ERROR
+	}
+}

api/gateway/chsettle/internal/service/gateway/connector_test.go

@@ -0,0 +1,119 @@
+package gateway
+
+import (
+	"context"
+	"testing"
+
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	"google.golang.org/grpc/codes"
+	"google.golang.org/grpc/status"
+)
+
+func TestSubmitOperation_UsesOperationRefAsOperationID(t *testing.T) {
+	svc, _, _ := newTestService(t)
+	svc.chatID = "1"
+
+	req := &connectorv1.SubmitOperationRequest{
+		Operation: &connectorv1.Operation{
+			Type:           connectorv1.OperationType_TRANSFER,
+			IdempotencyKey: "idem-settlement-1",
+			OperationRef:   "payment-1:hop_2_settlement_fx_convert",
+			IntentRef:      "intent-1",
+			Money:          &moneyv1.Money{Amount: "1.00", Currency: "USDT"},
+			From: &connectorv1.OperationParty{
+				Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{
+					ConnectorId: chsettleConnectorID,
+					AccountId:   "wallet-src",
+				}},
+			},
+			To: &connectorv1.OperationParty{
+				Ref: &connectorv1.OperationParty_Account{Account: &connectorv1.AccountRef{
+					ConnectorId: chsettleConnectorID,
+					AccountId:   "wallet-dst",
+				}},
+			},
+			Params: structFromMap(map[string]interface{}{
+				"payment_ref":      "payment-1",
+				"organization_ref": "org-1",
+			}),
+		},
+	}
+
+	resp, err := svc.SubmitOperation(context.Background(), req)
+	if err != nil {
+		t.Fatalf("SubmitOperation returned error: %v", err)
+	}
+	if resp.GetReceipt() == nil {
+		t.Fatal("expected receipt")
+	}
+	if got := resp.GetReceipt().GetError(); got != nil {
+		t.Fatalf("expected no connector error, got: %v", got)
+	}
+	if got, want := resp.GetReceipt().GetOperationId(), "payment-1:hop_2_settlement_fx_convert"; got != want {
+		t.Fatalf("operation_id mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := resp.GetReceipt().GetProviderRef(), "idem-settlement-1"; got != want {
+		t.Fatalf("provider_ref mismatch: got=%q want=%q", got, want)
+	}
+}
+
+func TestGetOperation_UsesOperationRefIdentity(t *testing.T) {
+	svc, repo, _ := newTestService(t)
+
+	record := &storagemodel.PaymentRecord{
+		IdempotencyKey:  "idem-settlement-2",
+		OperationRef:    "payment-2:hop_2_settlement_fx_convert",
+		PaymentIntentID: "pi-2",
+		PaymentRef:      "payment-2",
+		RequestedMoney:  &paymenttypes.Money{Amount: "5.00", Currency: "USDT"},
+		Status:          storagemodel.PaymentStatusSuccess,
+	}
+	if err := repo.payments.Upsert(context.Background(), record); err != nil {
+		t.Fatalf("failed to seed payment record: %v", err)
+	}
+
+	resp, err := svc.GetOperation(context.Background(), &connectorv1.GetOperationRequest{
+		OperationId: "payment-2:hop_2_settlement_fx_convert",
+	})
+	if err != nil {
+		t.Fatalf("GetOperation returned error: %v", err)
+	}
+	if resp.GetOperation() == nil {
+		t.Fatal("expected operation")
+	}
+	if got, want := resp.GetOperation().GetOperationId(), "payment-2:hop_2_settlement_fx_convert"; got != want {
+		t.Fatalf("operation_id mismatch: got=%q want=%q", got, want)
+	}
+	if got, want := resp.GetOperation().GetProviderRef(), "idem-settlement-2"; got != want {
+		t.Fatalf("provider_ref mismatch: got=%q want=%q", got, want)
+	}
+}
+
+func TestGetOperation_DoesNotResolveByIdempotencyKey(t *testing.T) {
+	svc, repo, _ := newTestService(t)
+
+	record := &storagemodel.PaymentRecord{
+		IdempotencyKey:  "idem-settlement-3",
+		OperationRef:    "payment-3:hop_2_settlement_fx_convert",
+		PaymentIntentID: "pi-3",
+		PaymentRef:      "payment-3",
+		RequestedMoney:  &paymenttypes.Money{Amount: "5.00", Currency: "USDT"},
+		Status:          storagemodel.PaymentStatusSuccess,
+	}
+	if err := repo.payments.Upsert(context.Background(), record); err != nil {
+		t.Fatalf("failed to seed payment record: %v", err)
+	}
+
+	_, err := svc.GetOperation(context.Background(), &connectorv1.GetOperationRequest{
+		OperationId: "idem-settlement-3",
+	})
+	if err == nil {
+		t.Fatal("expected not found error")
+	}
+	if status.Code(err) != codes.NotFound {
+		t.Fatalf("unexpected error code: got=%s want=%s", status.Code(err), codes.NotFound)
+	}
+}

api/gateway/chsettle/internal/service/gateway/outbox_reliable.go

@@ -0,0 +1,47 @@
+package gateway
+
+import (
+	"context"
+
+	gatewayoutbox "github.com/tech/sendico/gateway/common/outbox"
+	"github.com/tech/sendico/pkg/db/transaction"
+	me "github.com/tech/sendico/pkg/messaging/envelope"
+)
+
+type tgOutboxProvider interface {
+	Outbox() gatewayoutbox.Store
+}
+
+type tgTransactionProvider interface {
+	TransactionFactory() transaction.Factory
+}
+
+func (s *Service) outboxStore() gatewayoutbox.Store {
+	provider, ok := s.repo.(tgOutboxProvider)
+	if !ok || provider == nil {
+		return nil
+	}
+	return provider.Outbox()
+}
+
+func (s *Service) startOutboxReliableProducer() error {
+	if s == nil || s.repo == nil {
+		return nil
+	}
+	return s.outbox.Start(s.logger, s.producer, s.outboxStore(), s.msgCfg)
+}
+
+func (s *Service) sendWithOutbox(ctx context.Context, env me.Envelope) error {
+	if err := s.startOutboxReliableProducer(); err != nil {
+		return err
+	}
+	return s.outbox.Send(ctx, env)
+}
+
+func (s *Service) executeTransaction(ctx context.Context, cb transaction.Callback) (any, error) {
+	provider, ok := s.repo.(tgTransactionProvider)
+	if !ok || provider == nil || provider.TransactionFactory() == nil {
+		return cb(ctx)
+	}
+	return provider.TransactionFactory().CreateTransaction().Execute(ctx, cb)
+}

api/gateway/chsettle/internal/service/gateway/scenario_simulator.go

@@ -0,0 +1,302 @@
+package gateway
+
+import (
+	"hash/fnv"
+	"strconv"
+	"strings"
+	"time"
+
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+)
+
+const (
+	scenarioMetadataKey      = "chsettle_scenario"
+	scenarioMetadataAliasKey = "scenario"
+)
+
+type settlementScenario struct {
+	Name          string
+	InitialStatus storagemodel.PaymentStatus
+	FinalStatus   storagemodel.PaymentStatus
+	FinalDelay    time.Duration
+	FailureReason string
+}
+
+type settlementScenarioTrace struct {
+	Source             string
+	OverrideRaw        string
+	OverrideNormalized string
+	AmountRaw          string
+	AmountCurrency     string
+	BucketSlot         int
+}
+
+var scenarioFastSuccess = settlementScenario{
+	Name:          "fast_success",
+	InitialStatus: storagemodel.PaymentStatusSuccess,
+}
+
+var scenarioSlowSuccess = settlementScenario{
+	Name:          "slow_success",
+	InitialStatus: storagemodel.PaymentStatusWaiting,
+	FinalStatus:   storagemodel.PaymentStatusSuccess,
+	FinalDelay:    30 * time.Second,
+}
+
+var scenarioFailImmediate = settlementScenario{
+	Name:          "fail_immediate",
+	InitialStatus: storagemodel.PaymentStatusFailed,
+	FailureReason: "simulated_fail_immediate",
+}
+
+var scenarioFailTimeout = settlementScenario{
+	Name:          "fail_timeout",
+	InitialStatus: storagemodel.PaymentStatusWaiting,
+	FinalStatus:   storagemodel.PaymentStatusFailed,
+	FinalDelay:    45 * time.Second,
+	FailureReason: "simulated_fail_timeout",
+}
+
+var scenarioStuckPending = settlementScenario{
+	Name:          "stuck_pending",
+	InitialStatus: storagemodel.PaymentStatusWaiting,
+}
+
+var scenarioRetryThenSuccess = settlementScenario{
+	Name:          "retry_then_success",
+	InitialStatus: storagemodel.PaymentStatusProcessing,
+	FinalStatus:   storagemodel.PaymentStatusSuccess,
+	FinalDelay:    25 * time.Second,
+}
+
+var scenarioWebhookDelayedSuccess = settlementScenario{
+	Name:          "webhook_delayed_success",
+	InitialStatus: storagemodel.PaymentStatusWaiting,
+	FinalStatus:   storagemodel.PaymentStatusSuccess,
+	FinalDelay:    60 * time.Second,
+}
+
+var scenarioSlowThenFail = settlementScenario{
+	Name:          "slow_then_fail",
+	InitialStatus: storagemodel.PaymentStatusProcessing,
+	FinalStatus:   storagemodel.PaymentStatusFailed,
+	FinalDelay:    75 * time.Second,
+	FailureReason: "simulated_slow_then_fail",
+}
+
+var scenarioPartialProgressStuck = settlementScenario{
+	Name:          "partial_progress_stuck",
+	InitialStatus: storagemodel.PaymentStatusProcessing,
+}
+
+func resolveSettlementScenario(idempotencyKey string, amount *paymenttypes.Money, metadata map[string]string) settlementScenario {
+	scenario, _ := resolveSettlementScenarioWithTrace(idempotencyKey, amount, metadata)
+	return scenario
+}
+
+func resolveSettlementScenarioWithTrace(idempotencyKey string, amount *paymenttypes.Money, metadata map[string]string) (settlementScenario, settlementScenarioTrace) {
+	trace := settlementScenarioTrace{
+		BucketSlot: -1,
+	}
+	if amount != nil {
+		trace.AmountRaw = strings.TrimSpace(amount.Amount)
+		trace.AmountCurrency = strings.TrimSpace(amount.Currency)
+	}
+	overrideScenario, overrideRaw, overrideNormalized, overrideApplied := parseScenarioOverride(metadata)
+	if overrideRaw != "" {
+		trace.OverrideRaw = overrideRaw
+		trace.OverrideNormalized = overrideNormalized
+	}
+	if overrideApplied {
+		trace.Source = "explicit_override"
+		return overrideScenario, trace
+	}
+	slot, ok := amountModuloSlot(amount)
+	if ok {
+		if trace.OverrideRaw != "" {
+			trace.Source = "invalid_override_amount_bucket"
+		} else {
+			trace.Source = "amount_bucket"
+		}
+		trace.BucketSlot = slot
+		return scenarioBySlot(slot, idempotencyKey), trace
+	}
+	slot = hashModulo(idempotencyKey, 1000)
+	if trace.OverrideRaw != "" {
+		trace.Source = "invalid_override_idempotency_hash_bucket"
+	} else {
+		trace.Source = "idempotency_hash_bucket"
+	}
+	trace.BucketSlot = slot
+	return scenarioBySlot(slot, idempotencyKey), trace
+}
+
+func parseScenarioOverride(metadata map[string]string) (settlementScenario, string, string, bool) {
+	if len(metadata) == 0 {
+		return settlementScenario{}, "", "", false
+	}
+	overrideRaw := strings.TrimSpace(metadata[scenarioMetadataKey])
+	if overrideRaw == "" {
+		overrideRaw = strings.TrimSpace(metadata[scenarioMetadataAliasKey])
+	}
+	if overrideRaw == "" {
+		return settlementScenario{}, "", "", false
+	}
+	scenario, normalized, ok := scenarioByName(overrideRaw)
+	return scenario, overrideRaw, normalized, ok
+}
+
+func scenarioByName(value string) (settlementScenario, string, bool) {
+	key := normalizeScenarioName(value)
+	switch key {
+	case "fast_success", "success_fast", "instant_success":
+		return scenarioFastSuccess, key, true
+	case "slow_success", "success_slow":
+		return scenarioSlowSuccess, key, true
+	case "fail_immediate", "immediate_fail", "failed":
+		return scenarioFailImmediate, key, true
+	case "fail_timeout", "timeout_fail":
+		return scenarioFailTimeout, key, true
+	case "stuck", "stuck_pending", "pending_stuck":
+		return scenarioStuckPending, key, true
+	case "retry_then_success":
+		return scenarioRetryThenSuccess, key, true
+	case "webhook_delayed_success":
+		return scenarioWebhookDelayedSuccess, key, true
+	case "slow_then_fail":
+		return scenarioSlowThenFail, key, true
+	case "partial_progress_stuck":
+		return scenarioPartialProgressStuck, key, true
+	case "chaos", "chaos_random_seeded":
+		return scenarioBySlot(950, ""), key, true
+	default:
+		return settlementScenario{}, key, false
+	}
+}
+
+func normalizeScenarioName(value string) string {
+	key := strings.ToLower(strings.TrimSpace(value))
+	key = strings.ReplaceAll(key, "-", "_")
+	return key
+}
+
+func scenarioBySlot(slot int, seed string) settlementScenario {
+	switch {
+	case slot < 100:
+		return scenarioFastSuccess
+	case slot < 200:
+		return scenarioSlowSuccess
+	case slot < 300:
+		return scenarioFailImmediate
+	case slot < 400:
+		return scenarioFailTimeout
+	case slot < 500:
+		return scenarioStuckPending
+	case slot < 600:
+		return scenarioRetryThenSuccess
+	case slot < 700:
+		return scenarioWebhookDelayedSuccess
+	case slot < 800:
+		return scenarioSlowThenFail
+	case slot < 900:
+		return scenarioPartialProgressStuck
+	default:
+		return chaosScenario(seed)
+	}
+}
+
+func chaosScenario(seed string) settlementScenario {
+	choices := []settlementScenario{
+		scenarioFastSuccess,
+		scenarioSlowSuccess,
+		scenarioFailImmediate,
+		scenarioFailTimeout,
+		scenarioStuckPending,
+		scenarioSlowThenFail,
+	}
+	idx := hashModulo(seed, len(choices))
+	return choices[idx]
+}
+
+func amountModuloSlot(amount *paymenttypes.Money) (int, bool) {
+	if amount == nil {
+		return 0, false
+	}
+	raw := strings.TrimSpace(amount.Amount)
+	if raw == "" {
+		return 0, false
+	}
+	sign := 1
+	if strings.HasPrefix(raw, "+") {
+		raw = strings.TrimPrefix(raw, "+")
+	}
+	if strings.HasPrefix(raw, "-") {
+		sign = -1
+		raw = strings.TrimPrefix(raw, "-")
+	}
+	parts := strings.SplitN(raw, ".", 3)
+	if len(parts) == 0 || len(parts) > 2 {
+		return 0, false
+	}
+	whole := parts[0]
+	if whole == "" || !digitsOnly(whole) {
+		return 0, false
+	}
+	frac := "00"
+	if len(parts) == 2 {
+		f := parts[1]
+		if f == "" || !digitsOnly(f) {
+			return 0, false
+		}
+		if len(f) >= 2 {
+			frac = f[:2]
+		} else {
+			frac = f + "0"
+		}
+	}
+	wholeMod := digitsMod(whole, 10)
+	fracVal, _ := strconv.Atoi(frac)
+	slot := (wholeMod*100 + fracVal) % 1000
+	if sign < 0 {
+		slot = (-slot + 1000) % 1000
+	}
+	return slot, true
+}
+
+func digitsOnly(value string) bool {
+	if value == "" {
+		return false
+	}
+	for i := 0; i < len(value); i++ {
+		if value[i] < '0' || value[i] > '9' {
+			return false
+		}
+	}
+	return true
+}
+
+func digitsMod(value string, mod int) int {
+	if mod <= 0 {
+		return 0
+	}
+	result := 0
+	for i := 0; i < len(value); i++ {
+		digit := int(value[i] - '0')
+		result = (result*10 + digit) % mod
+	}
+	return result
+}
+
+func hashModulo(input string, mod int) int {
+	if mod <= 0 {
+		return 0
+	}
+	h := fnv.New32a()
+	_, _ = h.Write([]byte(strings.TrimSpace(input)))
+	return int(h.Sum32() % uint32(mod))
+}
+
+func (s settlementScenario) delayedTransitionEnabled() bool {
+	return s.FinalStatus != "" && s.FinalDelay > 0
+}

api/gateway/chsettle/internal/service/gateway/scenario_simulator_test.go

@@ -0,0 +1,105 @@
+package gateway
+
+import (
+	"context"
+	"testing"
+
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+)
+
+func TestResolveSettlementScenario_AmountBuckets(t *testing.T) {
+	tests := []struct {
+		name   string
+		amount string
+		want   string
+	}{
+		{name: "bucket_000_fast_success", amount: "10.00", want: scenarioFastSuccess.Name},
+		{name: "bucket_100_slow_success", amount: "11.00", want: scenarioSlowSuccess.Name},
+		{name: "bucket_200_fail_immediate", amount: "12.00", want: scenarioFailImmediate.Name},
+		{name: "bucket_300_fail_timeout", amount: "13.00", want: scenarioFailTimeout.Name},
+		{name: "bucket_400_stuck_pending", amount: "14.00", want: scenarioStuckPending.Name},
+		{name: "bucket_500_retry_then_success", amount: "15.00", want: scenarioRetryThenSuccess.Name},
+		{name: "bucket_600_webhook_delayed_success", amount: "16.00", want: scenarioWebhookDelayedSuccess.Name},
+		{name: "bucket_700_slow_then_fail", amount: "17.00", want: scenarioSlowThenFail.Name},
+		{name: "bucket_800_partial_progress_stuck", amount: "18.00", want: scenarioPartialProgressStuck.Name},
+	}
+
+	for _, tc := range tests {
+		t.Run(tc.name, func(t *testing.T) {
+			got := resolveSettlementScenario("idem-"+tc.name, &paymenttypes.Money{Amount: tc.amount, Currency: "USD"}, nil)
+			if got.Name != tc.want {
+				t.Fatalf("scenario mismatch: got=%q want=%q", got.Name, tc.want)
+			}
+		})
+	}
+}
+
+func TestResolveSettlementScenario_ExplicitOverride(t *testing.T) {
+	got := resolveSettlementScenario("idem-override", &paymenttypes.Money{Amount: "10.00", Currency: "USD"}, map[string]string{
+		scenarioMetadataKey: "stuck",
+	})
+	if got.Name != scenarioStuckPending.Name {
+		t.Fatalf("scenario mismatch: got=%q want=%q", got.Name, scenarioStuckPending.Name)
+	}
+}
+
+func TestSubmitTransfer_UsesImmediateFailureScenario(t *testing.T) {
+	svc, repo, _ := newTestService(t)
+
+	resp, err := svc.SubmitTransfer(context.Background(), &chainv1.SubmitTransferRequest{
+		IdempotencyKey: "idem-immediate-fail",
+		IntentRef:      "intent-immediate-fail",
+		OperationRef:   "op-immediate-fail",
+		PaymentRef:     "payment-immediate-fail",
+		Amount:         &moneyv1.Money{Amount: "9.99", Currency: "USD"},
+		Metadata: map[string]string{
+			scenarioMetadataAliasKey: "fail_immediate",
+		},
+	})
+	if err != nil {
+		t.Fatalf("submit transfer failed: %v", err)
+	}
+	if got, want := resp.GetTransfer().GetStatus(), chainv1.TransferStatus_TRANSFER_FAILED; got != want {
+		t.Fatalf("transfer status mismatch: got=%v want=%v", got, want)
+	}
+
+	record := repo.payments.records["idem-immediate-fail"]
+	if record == nil {
+		t.Fatalf("expected payment record")
+	}
+	if got, want := record.Status, storagemodel.PaymentStatusFailed; got != want {
+		t.Fatalf("record status mismatch: got=%s want=%s", got, want)
+	}
+	if got, want := record.Scenario, scenarioFailImmediate.Name; got != want {
+		t.Fatalf("record scenario mismatch: got=%q want=%q", got, want)
+	}
+}
+
+func TestApplyScenarioTransition_SetsFinalSuccess(t *testing.T) {
+	svc, repo, _ := newTestService(t)
+	_ = repo.payments.Upsert(context.Background(), &storagemodel.PaymentRecord{
+		IdempotencyKey: "idem-transition-success",
+		IntentRef:      "intent-transition-success",
+		OperationRef:   "op-transition-success",
+		PaymentRef:     "payment-transition-success",
+		RequestedMoney: &paymenttypes.Money{Amount: "5.00", Currency: "USD"},
+		Status:         storagemodel.PaymentStatusWaiting,
+		Scenario:       scenarioSlowSuccess.Name,
+	})
+
+	svc.applyScenarioTransition("idem-transition-success", scenarioSlowSuccess)
+
+	record := repo.payments.records["idem-transition-success"]
+	if record == nil {
+		t.Fatalf("expected payment record")
+	}
+	if got, want := record.Status, storagemodel.PaymentStatusSuccess; got != want {
+		t.Fatalf("record status mismatch: got=%s want=%s", got, want)
+	}
+	if record.ExecutedMoney == nil {
+		t.Fatalf("expected executed money")
+	}
+}

api/gateway/chsettle/internal/service/gateway/service_test.go

@@ -0,0 +1,417 @@
+package gateway
+
+import (
+	"context"
+	"sync"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/gateway/chsettle/storage"
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	"github.com/tech/sendico/pkg/discovery"
+	envelope "github.com/tech/sendico/pkg/messaging/envelope"
+	tnotifications "github.com/tech/sendico/pkg/messaging/notifications/telegram"
+	mloggerfactory "github.com/tech/sendico/pkg/mlogger/factory"
+	"github.com/tech/sendico/pkg/model"
+	"github.com/tech/sendico/pkg/mservice"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+)
+
+//
+// FAKE STORES
+//
+
+type fakePaymentsStore struct {
+	mu      sync.Mutex
+	records map[string]*storagemodel.PaymentRecord
+}
+
+func (f *fakePaymentsStore) FindByIdempotencyKey(_ context.Context, key string) (*storagemodel.PaymentRecord, error) {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if f.records == nil {
+		return nil, nil
+	}
+	return f.records[key], nil
+}
+
+func (f *fakePaymentsStore) FindByOperationRef(_ context.Context, key string) (*storagemodel.PaymentRecord, error) {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if f.records == nil {
+		return nil, nil
+	}
+	for _, record := range f.records {
+		if record != nil && record.OperationRef == key {
+			return record, nil
+		}
+	}
+	return nil, nil
+}
+
+func (f *fakePaymentsStore) Upsert(_ context.Context, record *storagemodel.PaymentRecord) error {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if f.records == nil {
+		f.records = map[string]*storagemodel.PaymentRecord{}
+	}
+	f.records[record.IdempotencyKey] = record
+	return nil
+}
+
+type fakeTelegramStore struct {
+	mu      sync.Mutex
+	records map[string]*storagemodel.TelegramConfirmation
+}
+
+func (f *fakeTelegramStore) Upsert(_ context.Context, record *storagemodel.TelegramConfirmation) error {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if f.records == nil {
+		f.records = map[string]*storagemodel.TelegramConfirmation{}
+	}
+	f.records[record.RequestID] = record
+	return nil
+}
+
+type fakeRepo struct {
+	payments *fakePaymentsStore
+	tg       *fakeTelegramStore
+	pending  *fakePendingStore
+	treasury storage.TreasuryRequestsStore
+	users    storage.TreasuryTelegramUsersStore
+}
+
+func (f *fakeRepo) Payments() storage.PaymentsStore {
+	return f.payments
+}
+
+func (f *fakeRepo) TelegramConfirmations() storage.TelegramConfirmationsStore {
+	return f.tg
+}
+
+func (f *fakeRepo) PendingConfirmations() storage.PendingConfirmationsStore {
+	return f.pending
+}
+
+func (f *fakeRepo) TreasuryRequests() storage.TreasuryRequestsStore {
+	return f.treasury
+}
+
+func (f *fakeRepo) TreasuryTelegramUsers() storage.TreasuryTelegramUsersStore {
+	return f.users
+}
+
+type fakePendingStore struct {
+	mu      sync.Mutex
+	records map[string]*storagemodel.PendingConfirmation
+}
+
+func (f *fakePendingStore) Upsert(_ context.Context, record *storagemodel.PendingConfirmation) error {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if f.records == nil {
+		f.records = map[string]*storagemodel.PendingConfirmation{}
+	}
+	cp := *record
+	f.records[record.RequestID] = &cp
+	return nil
+}
+
+func (f *fakePendingStore) FindByRequestID(_ context.Context, requestID string) (*storagemodel.PendingConfirmation, error) {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if f.records == nil {
+		return nil, nil
+	}
+	return f.records[requestID], nil
+}
+
+func (f *fakePendingStore) FindByMessageID(_ context.Context, messageID string) (*storagemodel.PendingConfirmation, error) {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	for _, record := range f.records {
+		if record != nil && record.MessageID == messageID {
+			return record, nil
+		}
+	}
+	return nil, nil
+}
+
+func (f *fakePendingStore) MarkClarified(_ context.Context, requestID string) error {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if record := f.records[requestID]; record != nil {
+		record.Clarified = true
+	}
+	return nil
+}
+
+func (f *fakePendingStore) AttachMessage(_ context.Context, requestID string, messageID string) error {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if record := f.records[requestID]; record != nil {
+		if record.MessageID == "" {
+			record.MessageID = messageID
+		}
+	}
+	return nil
+}
+
+func (f *fakePendingStore) DeleteByRequestID(_ context.Context, requestID string) error {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	delete(f.records, requestID)
+	return nil
+}
+
+func (f *fakePendingStore) ListExpired(_ context.Context, now time.Time, limit int64) ([]storagemodel.PendingConfirmation, error) {
+	f.mu.Lock()
+	defer f.mu.Unlock()
+	if limit <= 0 {
+		limit = 100
+	}
+	result := make([]storagemodel.PendingConfirmation, 0)
+	for _, record := range f.records {
+		if record == nil || record.ExpiresAt.IsZero() || record.ExpiresAt.After(now) {
+			continue
+		}
+		result = append(result, *record)
+		if int64(len(result)) >= limit {
+			break
+		}
+	}
+	return result, nil
+}
+
+//
+// FAKE BROKER (ОБЯЗАТЕЛЕН ДЛЯ СЕРВИСА)
+//
+
+type fakeBroker struct{}
+
+func (f *fakeBroker) Publish(_ envelope.Envelope) error {
+	return nil
+}
+
+func (f *fakeBroker) Subscribe(event model.NotificationEvent) (<-chan envelope.Envelope, error) {
+	return nil, nil
+}
+
+func (f *fakeBroker) Unsubscribe(event model.NotificationEvent, subChan <-chan envelope.Envelope) error {
+	return nil
+}
+
+//
+// CAPTURE ONLY TELEGRAM REACTIONS
+//
+
+type captureProducer struct {
+	mu        sync.Mutex
+	reactions []envelope.Envelope
+	sig       string
+}
+
+func (c *captureProducer) SendMessage(env envelope.Envelope) error {
+	if env.GetSignature().ToString() != c.sig {
+		return nil
+	}
+	c.mu.Lock()
+	c.reactions = append(c.reactions, env)
+	c.mu.Unlock()
+	return nil
+}
+
+//
+// TESTS
+//
+
+func newTestService(_ *testing.T) (*Service, *fakeRepo, *captureProducer) {
+	logger := mloggerfactory.NewLogger(false)
+
+	repo := &fakeRepo{
+		payments: &fakePaymentsStore{},
+		tg:       &fakeTelegramStore{},
+		pending:  &fakePendingStore{},
+	}
+
+	sigEnv := tnotifications.TelegramReaction(string(mservice.PaymentGateway), &model.TelegramReactionRequest{
+		RequestID: "x",
+		ChatID:    "1",
+		MessageID: "2",
+		Emoji:     "ok",
+	})
+
+	prod := &captureProducer{
+		sig: sigEnv.GetSignature().ToString(),
+	}
+
+	svc := NewService(logger, repo, prod, &fakeBroker{}, Config{
+		Rail:            "card",
+		SuccessReaction: "👍",
+	})
+
+	return svc, repo, prod
+}
+
+func TestConfirmed(t *testing.T) {
+	svc, repo, prod := newTestService(t)
+
+	_ = repo.payments.Upsert(context.Background(), &storagemodel.PaymentRecord{
+		IdempotencyKey:  "idem-1",
+		PaymentIntentID: "pi-1",
+		QuoteRef:        "quote-1",
+		OutgoingLeg:     "card",
+		RequestedMoney:  &paymenttypes.Money{Amount: "5", Currency: "EUR"},
+		Status:          storagemodel.PaymentStatusWaiting,
+	})
+
+	result := &model.ConfirmationResult{
+		RequestID: "idem-1",
+		Money:     &paymenttypes.Money{Amount: "5", Currency: "EUR"},
+		Status:    model.ConfirmationStatusConfirmed,
+		RawReply:  &model.TelegramMessage{ChatID: "1", MessageID: "2"},
+	}
+
+	_ = svc.onConfirmationResult(context.Background(), result)
+
+	rec := repo.payments.records["idem-1"]
+
+	if rec.Status != storagemodel.PaymentStatusSuccess {
+		t.Fatalf("expected success, got %s", rec.Status)
+	}
+	if rec.RequestedMoney == nil {
+		t.Fatalf("requested money not set")
+	}
+	if rec.ExecutedAt.IsZero() {
+		t.Fatalf("executedAt not set")
+	}
+	if repo.tg.records["idem-1"] == nil {
+		t.Fatalf("telegram confirmation not stored")
+	}
+	if len(prod.reactions) != 1 {
+		t.Fatalf("reaction must be published")
+	}
+}
+
+func TestClarified(t *testing.T) {
+	svc, repo, prod := newTestService(t)
+
+	_ = repo.payments.Upsert(context.Background(), &storagemodel.PaymentRecord{
+		IdempotencyKey: "idem-2",
+		Status:         storagemodel.PaymentStatusWaiting,
+	})
+
+	result := &model.ConfirmationResult{
+		RequestID: "idem-2",
+		Status:    model.ConfirmationStatusClarified,
+		RawReply:  &model.TelegramMessage{ChatID: "1", MessageID: "2"},
+	}
+
+	_ = svc.onConfirmationResult(context.Background(), result)
+
+	rec := repo.payments.records["idem-2"]
+
+	if rec.Status != storagemodel.PaymentStatusWaiting {
+		t.Fatalf("clarified must not change status")
+	}
+	if repo.tg.records["idem-2"] == nil {
+		t.Fatalf("telegram confirmation must be stored")
+	}
+	if len(prod.reactions) != 0 {
+		t.Fatalf("clarified must not publish reaction")
+	}
+}
+
+func TestRejected(t *testing.T) {
+	svc, repo, prod := newTestService(t)
+
+	// ВАЖНО: чтобы текущий emitTransferStatusEvent не падал на nil,
+	// даем минимально ожидаемые поля + non-nil ExecutedMoney.
+	_ = repo.payments.Upsert(context.Background(), &storagemodel.PaymentRecord{
+		IdempotencyKey:  "idem-3",
+		PaymentIntentID: "pi-3",
+		QuoteRef:        "quote-3",
+		OutgoingLeg:     "card",
+		RequestedMoney:  &paymenttypes.Money{Amount: "5", Currency: "EUR"},
+		ExecutedMoney:   &paymenttypes.Money{Amount: "0", Currency: "EUR"},
+		Status:          storagemodel.PaymentStatusWaiting,
+	})
+
+	result := &model.ConfirmationResult{
+		RequestID: "idem-3",
+		Status:    model.ConfirmationStatusRejected,
+		RawReply:  &model.TelegramMessage{ChatID: "1", MessageID: "2"},
+	}
+
+	_ = svc.onConfirmationResult(context.Background(), result)
+
+	rec := repo.payments.records["idem-3"]
+
+	if rec.Status != storagemodel.PaymentStatusFailed {
+		t.Fatalf("expected failed")
+	}
+	if repo.tg.records["idem-3"] == nil {
+		t.Fatalf("telegram confirmation must be stored")
+	}
+	if len(prod.reactions) != 0 {
+		t.Fatalf("rejected must not publish reaction")
+	}
+}
+
+func TestTimeout(t *testing.T) {
+	svc, repo, prod := newTestService(t)
+
+	// ВАЖНО: чтобы текущий emitTransferStatusEvent не падал на nil,
+	// даем минимально ожидаемые поля + non-nil ExecutedMoney.
+	_ = repo.payments.Upsert(context.Background(), &storagemodel.PaymentRecord{
+		IdempotencyKey:  "idem-4",
+		PaymentIntentID: "pi-4",
+		QuoteRef:        "quote-4",
+		OutgoingLeg:     "card",
+		RequestedMoney:  &paymenttypes.Money{Amount: "5", Currency: "EUR"},
+		ExecutedMoney:   &paymenttypes.Money{Amount: "0", Currency: "EUR"},
+		Status:          storagemodel.PaymentStatusWaiting,
+	})
+
+	result := &model.ConfirmationResult{
+		RequestID: "idem-4",
+		Status:    model.ConfirmationStatusTimeout,
+		RawReply:  &model.TelegramMessage{ChatID: "1", MessageID: "2"},
+	}
+
+	_ = svc.onConfirmationResult(context.Background(), result)
+
+	rec := repo.payments.records["idem-4"]
+
+	if rec.Status != storagemodel.PaymentStatusFailed {
+		t.Fatalf("timeout must be failed")
+	}
+	if repo.tg.records["idem-4"] == nil {
+		t.Fatalf("telegram confirmation must be stored")
+	}
+	if len(prod.reactions) != 0 {
+		t.Fatalf("timeout must not publish reaction")
+	}
+}
+
+func TestIntentFromSubmitTransfer_NormalizesOutgoingLeg(t *testing.T) {
+	intent, err := intentFromSubmitTransfer(&chainv1.SubmitTransferRequest{
+		IdempotencyKey: "idem-5",
+		IntentRef:      "pi-5",
+		OperationRef:   "op-5",
+		PaymentRef:     "pay-5",
+		Amount:         &moneyv1.Money{Amount: "10", Currency: "USD"},
+		Metadata: map[string]string{
+			metadataOutgoingLeg: "card",
+		},
+	}, "provider_settlement", "")
+	if err != nil {
+		t.Fatalf("unexpected error: %v", err)
+	}
+	if got, want := intent.OutgoingLeg, discovery.RailCardPayout; got != want {
+		t.Fatalf("unexpected outgoing leg: got=%q want=%q", got, want)
+	}
+}

api/gateway/chsettle/internal/service/gateway/transfer_notifications.go

@@ -0,0 +1,108 @@
+package gateway
+
+import (
+	"context"
+
+	"github.com/tech/sendico/gateway/chsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	paymentgateway "github.com/tech/sendico/pkg/messaging/notifications/paymentgateway"
+	pmodel "github.com/tech/sendico/pkg/model"
+	"github.com/tech/sendico/pkg/mservice"
+	"github.com/tech/sendico/pkg/mutil/mzap"
+	"github.com/tech/sendico/pkg/payments/rail"
+	"go.uber.org/zap"
+)
+
+func isFinalStatus(t *model.PaymentRecord) bool {
+	switch t.Status {
+	case model.PaymentStatusFailed, model.PaymentStatusSuccess, model.PaymentStatusCancelled:
+		return true
+	default:
+		return false
+	}
+}
+
+func toOpStatus(t *model.PaymentRecord) (rail.OperationResult, error) {
+	switch t.Status {
+	case model.PaymentStatusFailed:
+		return rail.OperationResultFailed, nil
+	case model.PaymentStatusSuccess:
+		return rail.OperationResultSuccess, nil
+	case model.PaymentStatusCancelled:
+		return rail.OperationResultCancelled, nil
+	default:
+		return rail.OperationResultFailed, merrors.InvalidArgument("unexpected transfer status", "payment.status")
+	}
+}
+
+func (s *Service) updateTransferStatus(ctx context.Context, record *model.PaymentRecord) error {
+	if record == nil {
+		return merrors.InvalidArgument("payment record is required", "record")
+	}
+	s.logger.Debug("Persisting transfer status",
+		zap.String("idempotency_key", record.IdempotencyKey),
+		zap.String("payment_ref", record.PaymentIntentID),
+		zap.String("status", string(record.Status)),
+		zap.Bool("is_final", isFinalStatus(record)))
+	if !isFinalStatus(record) {
+		if err := s.repo.Payments().Upsert(ctx, record); err != nil {
+			s.logger.Warn("Failed to update transfer status", zap.String("payment_ref", record.PaymentIntentID), zap.String("status", string(record.Status)), zap.Error(err))
+			return err
+		}
+		s.logger.Debug("Transfer status persisted (non-final)",
+			zap.String("idempotency_key", record.IdempotencyKey),
+			zap.String("status", string(record.Status)))
+		return nil
+	}
+
+	_, err := s.executeTransaction(ctx, func(txCtx context.Context) (any, error) {
+		if upsertErr := s.repo.Payments().Upsert(txCtx, record); upsertErr != nil {
+			return nil, upsertErr
+		}
+		if isFinalStatus(record) {
+			if emitErr := s.emitTransferStatusEvent(txCtx, record); emitErr != nil {
+				return nil, emitErr
+			}
+		}
+		return nil, nil
+	})
+	if err != nil {
+		s.logger.Warn("Failed to update transfer status", zap.String("payment_ref", record.PaymentIntentID), zap.String("status", string(record.Status)), zap.Error(err))
+		return err
+	}
+	s.logger.Info("Transfer status persisted (final)",
+		zap.String("idempotency_key", record.IdempotencyKey),
+		zap.String("status", string(record.Status)))
+	return nil
+}
+
+func (s *Service) emitTransferStatusEvent(ctx context.Context, record *model.PaymentRecord) error {
+	if s == nil || record == nil {
+		return nil
+	}
+	if s.producer == nil || s.outboxStore() == nil {
+		return nil
+	}
+	status, err := toOpStatus(record)
+	if err != nil {
+		s.logger.Warn("Failed to map transfer status for transfer status event", zap.Error(err), mzap.ObjRef("transfer_ref", record.ID))
+		return err
+	}
+
+	exec := pmodel.PaymentGatewayExecution{
+		PaymentIntentID: record.PaymentIntentID,
+		IdempotencyKey:  record.IdempotencyKey,
+		ExecutedMoney:   record.ExecutedMoney,
+		PaymentRef:      record.PaymentRef,
+		Status:          status,
+		OperationRef:    record.OperationRef,
+		Error:           record.FailureReason,
+		TransferRef:     record.ID.Hex(),
+	}
+	env := paymentgateway.PaymentGatewayExecution(mservice.ChSettle, &exec)
+	if sendErr := s.sendWithOutbox(ctx, env); sendErr != nil {
+		s.logger.Warn("Failed to publish transfer status event", zap.Error(sendErr), mzap.ObjRef("transfer_ref", record.ID))
+		return sendErr
+	}
+	return nil
+}

api/gateway/chsettle/internal/service/treasury/bot/commands.go

@@ -0,0 +1,94 @@
+package bot
+
+import "strings"
+
+type Command string
+
+const (
+	CommandStart    Command = "start"
+	CommandHelp     Command = "help"
+	CommandFund     Command = "fund"
+	CommandWithdraw Command = "withdraw"
+	CommandConfirm  Command = "confirm"
+	CommandCancel   Command = "cancel"
+)
+
+var supportedCommands = []Command{
+	CommandStart,
+	CommandHelp,
+	CommandFund,
+	CommandWithdraw,
+	CommandConfirm,
+	CommandCancel,
+}
+
+func (c Command) Slash() string {
+	name := strings.TrimSpace(string(c))
+	if name == "" {
+		return ""
+	}
+	return "/" + name
+}
+
+func parseCommand(text string) Command {
+	text = strings.TrimSpace(text)
+	if !strings.HasPrefix(text, "/") {
+		return ""
+	}
+	token := text
+	if idx := strings.IndexAny(token, " \t\n\r"); idx >= 0 {
+		token = token[:idx]
+	}
+	token = strings.TrimPrefix(token, "/")
+	if idx := strings.Index(token, "@"); idx >= 0 {
+		token = token[:idx]
+	}
+	return Command(strings.ToLower(strings.TrimSpace(token)))
+}
+
+func supportedCommandsMessage() string {
+	lines := make([]string, 0, len(supportedCommands)+2)
+	lines = append(lines, "*Supported Commands*")
+	lines = append(lines, "")
+	for _, cmd := range supportedCommands {
+		lines = append(lines, markdownCommand(cmd))
+	}
+	return strings.Join(lines, "\n")
+}
+
+func confirmationCommandsMessage() string {
+	return strings.Join([]string{
+		"*Confirm Operation*",
+		"",
+		"Use " + markdownCommand(CommandConfirm) + " to execute.",
+		"Use " + markdownCommand(CommandCancel) + " to abort.",
+	}, "\n")
+}
+
+func helpMessage(accountCode string, currency string) string {
+	accountCode = strings.TrimSpace(accountCode)
+	currency = strings.ToUpper(strings.TrimSpace(currency))
+	if accountCode == "" {
+		accountCode = "N/A"
+	}
+	if currency == "" {
+		currency = "N/A"
+	}
+
+	lines := []string{
+		"*Treasury Bot Help*",
+		"",
+		"*Attached account:* " + markdownCode(accountCode) + " (" + markdownCode(currency) + ")",
+		"",
+		"*How to use*",
+		"1. Start funding with " + markdownCommand(CommandFund) + " or withdrawal with " + markdownCommand(CommandWithdraw) + ".",
+		"2. Enter amount as decimal with dot separator and no currency.",
+		"   Example: " + markdownCode("1250.75"),
+		"3. Confirm with " + markdownCommand(CommandConfirm) + " or abort with " + markdownCommand(CommandCancel) + ".",
+		"",
+		"*Cooldown*",
+		"After confirmation there is a cooldown window. You can cancel during it with " + markdownCommand(CommandCancel) + ".",
+		"You will receive a follow-up message with execution success or failure.",
+	}
+	return strings.Join(lines, "\n")
+}

api/gateway/chsettle/internal/service/treasury/bot/dialogs.go

@@ -0,0 +1,73 @@
+package bot
+
+import (
+	"strings"
+	"sync"
+
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+)
+
+type DialogState string
+
+const (
+	DialogStateWaitingAmount       DialogState = "waiting_amount"
+	DialogStateWaitingConfirmation DialogState = "waiting_confirmation"
+)
+
+type DialogSession struct {
+	State           DialogState
+	OperationType   storagemodel.TreasuryOperationType
+	LedgerAccountID string
+	RequestID       string
+}
+
+type Dialogs struct {
+	mu       sync.Mutex
+	sessions map[string]DialogSession
+}
+
+func NewDialogs() *Dialogs {
+	return &Dialogs{
+		sessions: map[string]DialogSession{},
+	}
+}
+
+func (d *Dialogs) Get(telegramUserID string) (DialogSession, bool) {
+	if d == nil {
+		return DialogSession{}, false
+	}
+	telegramUserID = strings.TrimSpace(telegramUserID)
+	if telegramUserID == "" {
+		return DialogSession{}, false
+	}
+	d.mu.Lock()
+	defer d.mu.Unlock()
+	session, ok := d.sessions[telegramUserID]
+	return session, ok
+}
+
+func (d *Dialogs) Set(telegramUserID string, session DialogSession) {
+	if d == nil {
+		return
+	}
+	telegramUserID = strings.TrimSpace(telegramUserID)
+	if telegramUserID == "" {
+		return
+	}
+	d.mu.Lock()
+	defer d.mu.Unlock()
+	d.sessions[telegramUserID] = session
+}
+
+func (d *Dialogs) Clear(telegramUserID string) {
+	if d == nil {
+		return
+	}
+	telegramUserID = strings.TrimSpace(telegramUserID)
+	if telegramUserID == "" {
+		return
+	}
+	d.mu.Lock()
+	defer d.mu.Unlock()
+	delete(d.sessions, telegramUserID)
+}

api/gateway/chsettle/internal/service/treasury/bot/markup.go

@@ -0,0 +1,18 @@
+package bot
+
+import (
+	"strings"
+)
+
+func markdownCode(value string) string {
+	value = strings.TrimSpace(value)
+	if value == "" {
+		value = "N/A"
+	}
+	value = strings.ReplaceAll(value, "`", "'")
+	return "`" + value + "`"
+}
+
+func markdownCommand(command Command) string {
+	return command.Slash()
+}

api/gateway/chsettle/internal/service/treasury/bot/router.go

@@ -0,0 +1,527 @@
+package bot
+
+import (
+	"context"
+	"errors"
+	"strconv"
+	"strings"
+	"time"
+
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
+	"go.uber.org/zap"
+)
+
+const unauthorizedMessage = "*Unauthorized*\nYour Telegram account is not allowed to perform treasury operations."
+const unauthorizedChatMessage = "*Unauthorized Chat*\nThis Telegram chat is not allowed to perform treasury operations."
+
+const amountInputHint = "*Amount format*\nEnter amount as a decimal number using a dot separator and without currency.\nExample: `1250.75`"
+
+type SendTextFunc func(ctx context.Context, chatID string, text string) error
+
+type ScheduleTracker interface {
+	TrackScheduled(record *storagemodel.TreasuryRequest)
+	Untrack(requestID string)
+}
+
+type AccountProfile struct {
+	AccountID   string
+	AccountCode string
+	Currency    string
+}
+
+type CreateRequestInput struct {
+	OperationType   storagemodel.TreasuryOperationType
+	TelegramUserID  string
+	LedgerAccountID string
+	ChatID          string
+	Amount          string
+}
+
+type TreasuryService interface {
+	ExecutionDelay() time.Duration
+	MaxPerOperationLimit() string
+
+	GetActiveRequestForAccount(ctx context.Context, ledgerAccountID string) (*storagemodel.TreasuryRequest, error)
+	GetAccountProfile(ctx context.Context, ledgerAccountID string) (*AccountProfile, error)
+	CreateRequest(ctx context.Context, input CreateRequestInput) (*storagemodel.TreasuryRequest, error)
+	ConfirmRequest(ctx context.Context, requestID string, telegramUserID string) (*storagemodel.TreasuryRequest, error)
+	CancelRequest(ctx context.Context, requestID string, telegramUserID string) (*storagemodel.TreasuryRequest, error)
+}
+
+type UserBinding struct {
+	TelegramUserID  string
+	LedgerAccountID string
+	AllowedChatIDs  []string
+}
+
+type UserBindingResolver interface {
+	ResolveUserBinding(ctx context.Context, telegramUserID string) (*UserBinding, error)
+}
+
+type limitError interface {
+	error
+	LimitKind() string
+	LimitMax() string
+}
+
+type Router struct {
+	logger mlogger.Logger
+
+	service TreasuryService
+	dialogs *Dialogs
+	send    SendTextFunc
+	tracker ScheduleTracker
+
+	users UserBindingResolver
+}
+
+func NewRouter(
+	logger mlogger.Logger,
+	service TreasuryService,
+	send SendTextFunc,
+	tracker ScheduleTracker,
+	users UserBindingResolver,
+) *Router {
+	if logger != nil {
+		logger = logger.Named("treasury_router")
+	}
+	return &Router{
+		logger:  logger,
+		service: service,
+		dialogs: NewDialogs(),
+		send:    send,
+		tracker: tracker,
+		users:   users,
+	}
+}
+
+func (r *Router) Enabled() bool {
+	return r != nil && r.service != nil && r.users != nil
+}
+
+func (r *Router) HandleUpdate(ctx context.Context, update *model.TelegramWebhookUpdate) bool {
+	if !r.Enabled() || update == nil || update.Message == nil {
+		return false
+	}
+	message := update.Message
+	chatID := strings.TrimSpace(message.ChatID)
+	userID := strings.TrimSpace(message.FromUserID)
+	text := strings.TrimSpace(message.Text)
+
+	if chatID == "" || userID == "" {
+		return false
+	}
+	command := parseCommand(text)
+	if r.logger != nil {
+		r.logger.Debug("Telegram treasury update received",
+			zap.Int64("update_id", update.UpdateID),
+			zap.String("chat_id", chatID),
+			zap.String("telegram_user_id", userID),
+			zap.String("command", strings.TrimSpace(string(command))),
+			zap.String("message_text", text),
+			zap.String("reply_to_message_id", strings.TrimSpace(message.ReplyToMessageID)),
+		)
+	}
+
+	binding, err := r.users.ResolveUserBinding(ctx, userID)
+	if err != nil {
+		if r.logger != nil {
+			r.logger.Warn("Failed to resolve treasury user binding",
+				zap.Error(err),
+				zap.String("telegram_user_id", userID),
+				zap.String("chat_id", chatID))
+		}
+		_ = r.sendText(ctx, chatID, "*Temporary issue*\nUnable to check treasury authorization right now. Please try again.")
+		return true
+	}
+	if binding == nil || strings.TrimSpace(binding.LedgerAccountID) == "" {
+		r.logUnauthorized(update)
+		_ = r.sendText(ctx, chatID, unauthorizedMessage)
+		return true
+	}
+	if !isChatAllowed(chatID, binding.AllowedChatIDs) {
+		r.logUnauthorized(update)
+		_ = r.sendText(ctx, chatID, unauthorizedChatMessage)
+		return true
+	}
+	accountID := strings.TrimSpace(binding.LedgerAccountID)
+
+	switch command {
+	case CommandStart:
+		profile := r.resolveAccountProfile(ctx, accountID)
+		_ = r.sendText(ctx, chatID, welcomeMessage(profile))
+		return true
+	case CommandHelp:
+		profile := r.resolveAccountProfile(ctx, accountID)
+		_ = r.sendText(ctx, chatID, helpMessage(displayAccountCode(profile, accountID), profile.Currency))
+		return true
+	case CommandFund:
+		if r.logger != nil {
+			r.logger.Info("Treasury funding dialog requested",
+				zap.String("chat_id", chatID),
+				zap.String("telegram_user_id", userID),
+				zap.String("ledger_account_id", accountID))
+		}
+		r.startAmountDialog(ctx, userID, accountID, chatID, storagemodel.TreasuryOperationFund)
+		return true
+	case CommandWithdraw:
+		if r.logger != nil {
+			r.logger.Info("Treasury withdrawal dialog requested",
+				zap.String("chat_id", chatID),
+				zap.String("telegram_user_id", userID),
+				zap.String("ledger_account_id", accountID))
+		}
+		r.startAmountDialog(ctx, userID, accountID, chatID, storagemodel.TreasuryOperationWithdraw)
+		return true
+	case CommandConfirm:
+		if r.logger != nil {
+			r.logger.Info("Treasury confirmation requested",
+				zap.String("chat_id", chatID),
+				zap.String("telegram_user_id", userID),
+				zap.String("ledger_account_id", accountID))
+		}
+		r.confirm(ctx, userID, accountID, chatID)
+		return true
+	case CommandCancel:
+		if r.logger != nil {
+			r.logger.Info("Treasury cancellation requested",
+				zap.String("chat_id", chatID),
+				zap.String("telegram_user_id", userID),
+				zap.String("ledger_account_id", accountID))
+		}
+		r.cancel(ctx, userID, accountID, chatID)
+		return true
+	}
+
+	session, hasSession := r.dialogs.Get(userID)
+	if hasSession {
+		switch session.State {
+		case DialogStateWaitingAmount:
+			r.captureAmount(ctx, userID, accountID, chatID, session.OperationType, text)
+			return true
+		case DialogStateWaitingConfirmation:
+			_ = r.sendText(ctx, chatID, confirmationCommandsMessage())
+			return true
+		}
+	}
+
+	if strings.HasPrefix(text, "/") {
+		_ = r.sendText(ctx, chatID, supportedCommandsMessage())
+		return true
+	}
+	if strings.TrimSpace(message.ReplyToMessageID) != "" {
+		return false
+	}
+	if text != "" {
+		_ = r.sendText(ctx, chatID, supportedCommandsMessage())
+		return true
+	}
+	return false
+}
+
+func (r *Router) startAmountDialog(ctx context.Context, userID, accountID, chatID string, operation storagemodel.TreasuryOperationType) {
+	active, err := r.service.GetActiveRequestForAccount(ctx, accountID)
+	if err != nil {
+		if r.logger != nil {
+			r.logger.Warn("Failed to check active treasury request", zap.Error(err), zap.String("telegram_user_id", userID), zap.String("ledger_account_id", accountID))
+		}
+		_ = r.sendText(ctx, chatID, "*Temporary issue*\nUnable to check pending treasury operations right now. Please try again.")
+		return
+	}
+	if active != nil {
+		_ = r.sendText(ctx, chatID, pendingRequestMessage(active))
+		r.dialogs.Set(userID, DialogSession{
+			State:           DialogStateWaitingConfirmation,
+			LedgerAccountID: accountID,
+			RequestID:       active.RequestID,
+		})
+		return
+	}
+	r.dialogs.Set(userID, DialogSession{
+		State:           DialogStateWaitingAmount,
+		OperationType:   operation,
+		LedgerAccountID: accountID,
+	})
+	profile := r.resolveAccountProfile(ctx, accountID)
+	_ = r.sendText(ctx, chatID, amountPromptMessage(operation, profile, accountID))
+}
+
+func (r *Router) captureAmount(ctx context.Context, userID, accountID, chatID string, operation storagemodel.TreasuryOperationType, amount string) {
+	record, err := r.service.CreateRequest(ctx, CreateRequestInput{
+		OperationType:   operation,
+		TelegramUserID:  userID,
+		LedgerAccountID: accountID,
+		ChatID:          chatID,
+		Amount:          amount,
+	})
+	if err != nil {
+		if record != nil {
+			_ = r.sendText(ctx, chatID, pendingRequestMessage(record))
+			r.dialogs.Set(userID, DialogSession{
+				State:           DialogStateWaitingConfirmation,
+				LedgerAccountID: accountID,
+				RequestID:       record.RequestID,
+			})
+			return
+		}
+		if typed, ok := err.(limitError); ok {
+			switch typed.LimitKind() {
+			case "per_operation":
+				_ = r.sendText(ctx, chatID, "*Amount exceeds allowed limit*\n\n*Max per operation:* "+markdownCode(typed.LimitMax())+"\n\nEnter another amount or "+markdownCommand(CommandCancel)+".")
+				return
+			case "daily":
+				_ = r.sendText(ctx, chatID, "*Daily amount limit exceeded*\n\n*Max per day:* "+markdownCode(typed.LimitMax())+"\n\nEnter another amount or "+markdownCommand(CommandCancel)+".")
+				return
+			}
+		}
+		if errors.Is(err, merrors.ErrInvalidArg) {
+			_ = r.sendText(ctx, chatID, "*Invalid amount*\n\n"+amountInputHint+"\n\nEnter another amount or "+markdownCommand(CommandCancel)+".")
+			return
+		}
+		_ = r.sendText(ctx, chatID, "*Failed to create treasury request*\n\nEnter another amount or "+markdownCommand(CommandCancel)+".")
+		return
+	}
+	if record == nil {
+		_ = r.sendText(ctx, chatID, "*Failed to create treasury request*\n\nEnter another amount or "+markdownCommand(CommandCancel)+".")
+		return
+	}
+	r.dialogs.Set(userID, DialogSession{
+		State:           DialogStateWaitingConfirmation,
+		LedgerAccountID: accountID,
+		RequestID:       record.RequestID,
+	})
+	_ = r.sendText(ctx, chatID, confirmationPrompt(record))
+}
+
+func (r *Router) confirm(ctx context.Context, userID string, accountID string, chatID string) {
+	requestID := ""
+	if session, ok := r.dialogs.Get(userID); ok && strings.TrimSpace(session.RequestID) != "" {
+		requestID = strings.TrimSpace(session.RequestID)
+	} else {
+		active, err := r.service.GetActiveRequestForAccount(ctx, accountID)
+		if err == nil && active != nil {
+			requestID = strings.TrimSpace(active.RequestID)
+		}
+	}
+	if requestID == "" {
+		_ = r.sendText(ctx, chatID, "*No pending treasury operation.*")
+		return
+	}
+	record, err := r.service.ConfirmRequest(ctx, requestID, userID)
+	if err != nil {
+		_ = r.sendText(ctx, chatID, "*Unable to confirm treasury request.*\n\nUse "+markdownCommand(CommandCancel)+" or create a new request with "+markdownCommand(CommandFund)+" or "+markdownCommand(CommandWithdraw)+".")
+		return
+	}
+	if r.tracker != nil {
+		r.tracker.TrackScheduled(record)
+	}
+	r.dialogs.Clear(userID)
+	delay := int64(r.service.ExecutionDelay().Seconds())
+	if delay < 0 {
+		delay = 0
+	}
+	_ = r.sendText(ctx, chatID,
+		"*Operation confirmed*\n\n"+
+			"*Execution:* scheduled in "+markdownCode(formatSeconds(delay))+".\n"+
+			"You can cancel during this cooldown with "+markdownCommand(CommandCancel)+".\n\n"+
+			"You will receive a follow-up message with execution success or failure.\n\n"+
+			"*Request ID:* "+markdownCode(strings.TrimSpace(record.RequestID)))
+}
+
+func (r *Router) cancel(ctx context.Context, userID string, accountID string, chatID string) {
+	requestID := ""
+	if session, ok := r.dialogs.Get(userID); ok && strings.TrimSpace(session.RequestID) != "" {
+		requestID = strings.TrimSpace(session.RequestID)
+	} else {
+		active, err := r.service.GetActiveRequestForAccount(ctx, accountID)
+		if err == nil && active != nil {
+			requestID = strings.TrimSpace(active.RequestID)
+		}
+	}
+	if requestID == "" {
+		r.dialogs.Clear(userID)
+		_ = r.sendText(ctx, chatID, "*No pending treasury operation.*")
+		return
+	}
+	record, err := r.service.CancelRequest(ctx, requestID, userID)
+	if err != nil {
+		_ = r.sendText(ctx, chatID, "*Unable to cancel treasury request.*")
+		return
+	}
+	if r.tracker != nil {
+		r.tracker.Untrack(record.RequestID)
+	}
+	r.dialogs.Clear(userID)
+	_ = r.sendText(ctx, chatID, "*Operation cancelled*\n\n*Request ID:* "+markdownCode(strings.TrimSpace(record.RequestID)))
+}
+
+func (r *Router) sendText(ctx context.Context, chatID string, text string) error {
+	if r == nil || r.send == nil {
+		return nil
+	}
+	chatID = strings.TrimSpace(chatID)
+	text = strings.TrimSpace(text)
+	if chatID == "" || text == "" {
+		return nil
+	}
+	if err := r.send(ctx, chatID, text); err != nil {
+		if r.logger != nil {
+			r.logger.Warn("Failed to send treasury bot response",
+				zap.Error(err),
+				zap.String("chat_id", chatID),
+				zap.String("message_text", text))
+		}
+		return err
+	}
+	return nil
+}
+
+func (r *Router) logUnauthorized(update *model.TelegramWebhookUpdate) {
+	if r == nil || r.logger == nil || update == nil || update.Message == nil {
+		return
+	}
+	message := update.Message
+	r.logger.Warn("unauthorized_access",
+		zap.String("event", "unauthorized_access"),
+		zap.String("telegram_user_id", strings.TrimSpace(message.FromUserID)),
+		zap.String("chat_id", strings.TrimSpace(message.ChatID)),
+		zap.String("message_text", strings.TrimSpace(message.Text)),
+		zap.Time("timestamp", time.Now()),
+	)
+}
+
+func pendingRequestMessage(record *storagemodel.TreasuryRequest) string {
+	if record == nil {
+		return "*Pending treasury operation already exists.*\n\nUse " + markdownCommand(CommandCancel) + "."
+	}
+	return "*Pending Treasury Operation*\n\n" +
+		"*Account:* " + markdownCode(requestAccountDisplay(record)) + "\n" +
+		"*Request ID:* " + markdownCode(strings.TrimSpace(record.RequestID)) + "\n" +
+		"*Status:* " + markdownCode(strings.TrimSpace(string(record.Status))) + "\n" +
+		"*Amount:* " + markdownCode(strings.TrimSpace(record.Amount)+" "+strings.TrimSpace(record.Currency)) + "\n\n" +
+		"Wait for execution or cancel with " + markdownCommand(CommandCancel) + "."
+}
+
+func confirmationPrompt(record *storagemodel.TreasuryRequest) string {
+	if record == nil {
+		return "*Request created.*\n\nUse " + markdownCommand(CommandConfirm) + " or " + markdownCommand(CommandCancel) + "."
+	}
+	title := "*Funding request created.*"
+	if record.OperationType == storagemodel.TreasuryOperationWithdraw {
+		title = "*Withdrawal request created.*"
+	}
+	return title + "\n\n" +
+		"*Account:* " + markdownCode(requestAccountDisplay(record)) + "\n" +
+		"*Amount:* " + markdownCode(strings.TrimSpace(record.Amount)+" "+strings.TrimSpace(record.Currency)) + "\n\n" +
+		confirmationCommandsMessage()
+}
+
+func welcomeMessage(profile *AccountProfile) string {
+	accountCode := displayAccountCode(profile, "")
+	currency := ""
+	if profile != nil {
+		currency = strings.ToUpper(strings.TrimSpace(profile.Currency))
+	}
+	if accountCode == "" {
+		accountCode = "N/A"
+	}
+	if currency == "" {
+		currency = "N/A"
+	}
+	return "*Sendico Treasury Bot*\n\n" +
+		"*Attached account:* " + markdownCode(accountCode) + " (" + markdownCode(currency) + ")\n" +
+		"Use " + markdownCommand(CommandFund) + " to credit your account and " + markdownCommand(CommandWithdraw) + " to debit it.\n" +
+		"After entering an amount, use " + markdownCommand(CommandConfirm) + " or " + markdownCommand(CommandCancel) + ".\n" +
+		"Use " + markdownCommand(CommandHelp) + " for detailed usage."
+}
+
+func amountPromptMessage(operation storagemodel.TreasuryOperationType, profile *AccountProfile, fallbackAccountID string) string {
+	title := "*Funding request*"
+	if operation == storagemodel.TreasuryOperationWithdraw {
+		title = "*Withdrawal request*"
+	}
+	accountCode := displayAccountCode(profile, fallbackAccountID)
+	currency := ""
+	if profile != nil {
+		currency = strings.ToUpper(strings.TrimSpace(profile.Currency))
+	}
+	if accountCode == "" {
+		accountCode = "N/A"
+	}
+	if currency == "" {
+		currency = "N/A"
+	}
+	return title + "\n\n" +
+		"*Account:* " + markdownCode(accountCode) + " (" + markdownCode(currency) + ")\n\n" +
+		amountInputHint
+}
+
+func requestAccountDisplay(record *storagemodel.TreasuryRequest) string {
+	if record == nil {
+		return ""
+	}
+	if code := strings.TrimSpace(record.LedgerAccountCode); code != "" {
+		return code
+	}
+	return strings.TrimSpace(record.LedgerAccountID)
+}
+
+func displayAccountCode(profile *AccountProfile, fallbackAccountID string) string {
+	if profile != nil {
+		if code := strings.TrimSpace(profile.AccountCode); code != "" {
+			return code
+		}
+		if id := strings.TrimSpace(profile.AccountID); id != "" {
+			return id
+		}
+	}
+	return strings.TrimSpace(fallbackAccountID)
+}
+
+func (r *Router) resolveAccountProfile(ctx context.Context, ledgerAccountID string) *AccountProfile {
+	if r == nil || r.service == nil {
+		return &AccountProfile{AccountID: strings.TrimSpace(ledgerAccountID)}
+	}
+	profile, err := r.service.GetAccountProfile(ctx, ledgerAccountID)
+	if err != nil {
+		if r.logger != nil {
+			r.logger.Warn("Failed to resolve treasury account profile",
+				zap.Error(err),
+				zap.String("ledger_account_id", strings.TrimSpace(ledgerAccountID)))
+		}
+		return &AccountProfile{AccountID: strings.TrimSpace(ledgerAccountID)}
+	}
+	if profile == nil {
+		return &AccountProfile{AccountID: strings.TrimSpace(ledgerAccountID)}
+	}
+	if strings.TrimSpace(profile.AccountID) == "" {
+		profile.AccountID = strings.TrimSpace(ledgerAccountID)
+	}
+	return profile
+}
+
+func isChatAllowed(chatID string, allowedChatIDs []string) bool {
+	chatID = strings.TrimSpace(chatID)
+	if chatID == "" {
+		return false
+	}
+	if len(allowedChatIDs) == 0 {
+		return true
+	}
+	for _, allowed := range allowedChatIDs {
+		if strings.TrimSpace(allowed) == chatID {
+			return true
+		}
+	}
+	return false
+}
+
+func formatSeconds(value int64) string {
+	if value == 1 {
+		return "1 second"
+	}
+	return strconv.FormatInt(value, 10) + " seconds"
+}

api/gateway/chsettle/internal/service/treasury/bot/router_test.go

@@ -0,0 +1,362 @@
+package bot
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	mloggerfactory "github.com/tech/sendico/pkg/mlogger/factory"
+	"github.com/tech/sendico/pkg/model"
+)
+
+type fakeService struct{}
+
+type fakeUserBindingResolver struct {
+	bindings map[string]*UserBinding
+	err      error
+}
+
+func (f fakeUserBindingResolver) ResolveUserBinding(_ context.Context, telegramUserID string) (*UserBinding, error) {
+	if f.err != nil {
+		return nil, f.err
+	}
+	if f.bindings == nil {
+		return nil, nil
+	}
+	return f.bindings[telegramUserID], nil
+}
+
+func (fakeService) ExecutionDelay() time.Duration {
+	return 30 * time.Second
+}
+
+func (fakeService) MaxPerOperationLimit() string {
+	return "1000000"
+}
+
+func (fakeService) GetActiveRequestForAccount(context.Context, string) (*storagemodel.TreasuryRequest, error) {
+	return nil, nil
+}
+
+func (fakeService) GetAccountProfile(_ context.Context, ledgerAccountID string) (*AccountProfile, error) {
+	return &AccountProfile{
+		AccountID:   ledgerAccountID,
+		AccountCode: ledgerAccountID,
+		Currency:    "USD",
+	}, nil
+}
+
+func (fakeService) CreateRequest(context.Context, CreateRequestInput) (*storagemodel.TreasuryRequest, error) {
+	return nil, nil
+}
+
+func (fakeService) ConfirmRequest(context.Context, string, string) (*storagemodel.TreasuryRequest, error) {
+	return nil, nil
+}
+
+func (fakeService) CancelRequest(context.Context, string, string) (*storagemodel.TreasuryRequest, error) {
+	return nil, nil
+}
+
+func TestRouterUnauthorizedInAllowedChatSendsAccessDenied(t *testing.T) {
+	var sent []string
+	router := NewRouter(
+		mloggerfactory.NewLogger(false),
+		fakeService{},
+		func(_ context.Context, _ string, text string) error {
+			sent = append(sent, text)
+			return nil
+		},
+		nil,
+		fakeUserBindingResolver{
+			bindings: map[string]*UserBinding{
+				"123": {
+					TelegramUserID:  "123",
+					LedgerAccountID: "acct-1",
+					AllowedChatIDs:  []string{"100"},
+				},
+			},
+		},
+	)
+	handled := router.HandleUpdate(context.Background(), &model.TelegramWebhookUpdate{
+		Message: &model.TelegramMessage{
+			ChatID:     "100",
+			FromUserID: "999",
+			Text:       "/fund",
+		},
+	})
+	if !handled {
+		t.Fatalf("expected update to be handled")
+	}
+	if len(sent) != 1 {
+		t.Fatalf("expected one message, got %d", len(sent))
+	}
+	if sent[0] != unauthorizedMessage {
+		t.Fatalf("unexpected message: %q", sent[0])
+	}
+}
+
+func TestRouterUnknownChatGetsDenied(t *testing.T) {
+	var sent []string
+	router := NewRouter(
+		mloggerfactory.NewLogger(false),
+		fakeService{},
+		func(_ context.Context, _ string, text string) error {
+			sent = append(sent, text)
+			return nil
+		},
+		nil,
+		fakeUserBindingResolver{
+			bindings: map[string]*UserBinding{
+				"123": {
+					TelegramUserID:  "123",
+					LedgerAccountID: "acct-1",
+					AllowedChatIDs:  []string{"100"},
+				},
+			},
+		},
+	)
+	handled := router.HandleUpdate(context.Background(), &model.TelegramWebhookUpdate{
+		Message: &model.TelegramMessage{
+			ChatID:     "999",
+			FromUserID: "123",
+			Text:       "/fund",
+		},
+	})
+	if !handled {
+		t.Fatalf("expected update to be handled")
+	}
+	if len(sent) != 1 {
+		t.Fatalf("expected one message, got %d", len(sent))
+	}
+	if sent[0] != unauthorizedChatMessage {
+		t.Fatalf("unexpected message: %q", sent[0])
+	}
+}
+
+func TestRouterEmptyAllowedChats_AllowsAnyChatForAuthorizedUser(t *testing.T) {
+	var sent []string
+	router := NewRouter(
+		mloggerfactory.NewLogger(false),
+		fakeService{},
+		func(_ context.Context, _ string, text string) error {
+			sent = append(sent, text)
+			return nil
+		},
+		nil,
+		fakeUserBindingResolver{
+			bindings: map[string]*UserBinding{
+				"123": {
+					TelegramUserID:  "123",
+					LedgerAccountID: "acct-1",
+				},
+			},
+		},
+	)
+	handled := router.HandleUpdate(context.Background(), &model.TelegramWebhookUpdate{
+		Message: &model.TelegramMessage{
+			ChatID:     "999",
+			FromUserID: "123",
+			Text:       "/fund",
+		},
+	})
+	if !handled {
+		t.Fatalf("expected update to be handled")
+	}
+	if len(sent) != 1 {
+		t.Fatalf("expected one message, got %d", len(sent))
+	}
+	if sent[0] != amountPromptMessage(
+		storagemodel.TreasuryOperationFund,
+		&AccountProfile{AccountID: "acct-1", AccountCode: "acct-1", Currency: "USD"},
+		"acct-1",
+	) {
+		t.Fatalf("unexpected message: %q", sent[0])
+	}
+}
+
+func TestRouterEmptyAllowedChats_UnauthorizedUserGetsDenied(t *testing.T) {
+	var sent []string
+	router := NewRouter(
+		mloggerfactory.NewLogger(false),
+		fakeService{},
+		func(_ context.Context, _ string, text string) error {
+			sent = append(sent, text)
+			return nil
+		},
+		nil,
+		fakeUserBindingResolver{
+			bindings: map[string]*UserBinding{
+				"123": {
+					TelegramUserID:  "123",
+					LedgerAccountID: "acct-1",
+				},
+			},
+		},
+	)
+	handled := router.HandleUpdate(context.Background(), &model.TelegramWebhookUpdate{
+		Message: &model.TelegramMessage{
+			ChatID:     "777",
+			FromUserID: "999",
+			Text:       "/fund",
+		},
+	})
+	if !handled {
+		t.Fatalf("expected update to be handled")
+	}
+	if len(sent) != 1 {
+		t.Fatalf("expected one message, got %d", len(sent))
+	}
+	if sent[0] != unauthorizedMessage {
+		t.Fatalf("unexpected message: %q", sent[0])
+	}
+}
+
+func TestRouterStartAuthorizedShowsWelcome(t *testing.T) {
+	var sent []string
+	router := NewRouter(
+		mloggerfactory.NewLogger(false),
+		fakeService{},
+		func(_ context.Context, _ string, text string) error {
+			sent = append(sent, text)
+			return nil
+		},
+		nil,
+		fakeUserBindingResolver{
+			bindings: map[string]*UserBinding{
+				"123": {
+					TelegramUserID:  "123",
+					LedgerAccountID: "acct-1",
+				},
+			},
+		},
+	)
+	handled := router.HandleUpdate(context.Background(), &model.TelegramWebhookUpdate{
+		Message: &model.TelegramMessage{
+			ChatID:     "777",
+			FromUserID: "123",
+			Text:       "/start",
+		},
+	})
+	if !handled {
+		t.Fatalf("expected update to be handled")
+	}
+	if len(sent) != 1 {
+		t.Fatalf("expected one message, got %d", len(sent))
+	}
+	if sent[0] != welcomeMessage(&AccountProfile{AccountID: "acct-1", AccountCode: "acct-1", Currency: "USD"}) {
+		t.Fatalf("unexpected message: %q", sent[0])
+	}
+}
+
+func TestRouterHelpAuthorizedShowsHelp(t *testing.T) {
+	var sent []string
+	router := NewRouter(
+		mloggerfactory.NewLogger(false),
+		fakeService{},
+		func(_ context.Context, _ string, text string) error {
+			sent = append(sent, text)
+			return nil
+		},
+		nil,
+		fakeUserBindingResolver{
+			bindings: map[string]*UserBinding{
+				"123": {
+					TelegramUserID:  "123",
+					LedgerAccountID: "acct-1",
+				},
+			},
+		},
+	)
+	handled := router.HandleUpdate(context.Background(), &model.TelegramWebhookUpdate{
+		Message: &model.TelegramMessage{
+			ChatID:     "777",
+			FromUserID: "123",
+			Text:       "/help",
+		},
+	})
+	if !handled {
+		t.Fatalf("expected update to be handled")
+	}
+	if len(sent) != 1 {
+		t.Fatalf("expected one message, got %d", len(sent))
+	}
+	if sent[0] != helpMessage("acct-1", "USD") {
+		t.Fatalf("unexpected message: %q", sent[0])
+	}
+}
+
+func TestRouterStartUnauthorizedGetsDenied(t *testing.T) {
+	var sent []string
+	router := NewRouter(
+		mloggerfactory.NewLogger(false),
+		fakeService{},
+		func(_ context.Context, _ string, text string) error {
+			sent = append(sent, text)
+			return nil
+		},
+		nil,
+		fakeUserBindingResolver{
+			bindings: map[string]*UserBinding{
+				"123": {
+					TelegramUserID:  "123",
+					LedgerAccountID: "acct-1",
+				},
+			},
+		},
+	)
+	handled := router.HandleUpdate(context.Background(), &model.TelegramWebhookUpdate{
+		Message: &model.TelegramMessage{
+			ChatID:     "777",
+			FromUserID: "999",
+			Text:       "/start",
+		},
+	})
+	if !handled {
+		t.Fatalf("expected update to be handled")
+	}
+	if len(sent) != 1 {
+		t.Fatalf("expected one message, got %d", len(sent))
+	}
+	if sent[0] != unauthorizedMessage {
+		t.Fatalf("unexpected message: %q", sent[0])
+	}
+}
+
+func TestRouterPlainTextWithoutSession_ShowsSupportedCommands(t *testing.T) {
+	var sent []string
+	router := NewRouter(
+		mloggerfactory.NewLogger(false),
+		fakeService{},
+		func(_ context.Context, _ string, text string) error {
+			sent = append(sent, text)
+			return nil
+		},
+		nil,
+		fakeUserBindingResolver{
+			bindings: map[string]*UserBinding{
+				"123": {
+					TelegramUserID:  "123",
+					LedgerAccountID: "acct-1",
+				},
+			},
+		},
+	)
+	handled := router.HandleUpdate(context.Background(), &model.TelegramWebhookUpdate{
+		Message: &model.TelegramMessage{
+			ChatID:     "777",
+			FromUserID: "123",
+			Text:       "hello",
+		},
+	})
+	if !handled {
+		t.Fatalf("expected update to be handled")
+	}
+	if len(sent) != 1 {
+		t.Fatalf("expected one message, got %d", len(sent))
+	}
+	if sent[0] != supportedCommandsMessage() {
+		t.Fatalf("unexpected message: %q", sent[0])
+	}
+}

api/gateway/chsettle/internal/service/treasury/config.go

@@ -0,0 +1,11 @@
+package treasury
+
+import "time"
+
+type Config struct {
+	ExecutionDelay time.Duration
+	PollInterval   time.Duration
+
+	MaxAmountPerOperation string
+	MaxDailyAmount        string
+}

api/gateway/chsettle/internal/service/treasury/ledger/client.go

@@ -0,0 +1,312 @@
+package ledger
+
+import (
+	"context"
+	"crypto/tls"
+	"fmt"
+	"net/url"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/pkg/discovery"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials"
+	"google.golang.org/grpc/credentials/insecure"
+	"google.golang.org/protobuf/types/known/structpb"
+)
+
+const ledgerConnectorID = "ledger"
+
+type Config struct {
+	Endpoint string
+	Timeout  time.Duration
+	Insecure bool
+}
+
+type Account struct {
+	AccountID       string
+	AccountCode     string
+	Currency        string
+	OrganizationRef string
+}
+
+type Balance struct {
+	AccountID string
+	Amount    string
+	Currency  string
+}
+
+type PostRequest struct {
+	AccountID       string
+	OrganizationRef string
+	Amount          string
+	Currency        string
+	Reference       string
+	IdempotencyKey  string
+}
+
+type OperationResult struct {
+	Reference string
+}
+
+type Client interface {
+	GetAccount(ctx context.Context, accountID string) (*Account, error)
+	GetBalance(ctx context.Context, accountID string) (*Balance, error)
+	ExternalCredit(ctx context.Context, req PostRequest) (*OperationResult, error)
+	ExternalDebit(ctx context.Context, req PostRequest) (*OperationResult, error)
+	Close() error
+}
+
+type grpcConnectorClient interface {
+	GetAccount(ctx context.Context, in *connectorv1.GetAccountRequest, opts ...grpc.CallOption) (*connectorv1.GetAccountResponse, error)
+	GetBalance(ctx context.Context, in *connectorv1.GetBalanceRequest, opts ...grpc.CallOption) (*connectorv1.GetBalanceResponse, error)
+	SubmitOperation(ctx context.Context, in *connectorv1.SubmitOperationRequest, opts ...grpc.CallOption) (*connectorv1.SubmitOperationResponse, error)
+}
+
+type connectorClient struct {
+	cfg    Config
+	conn   *grpc.ClientConn
+	client grpcConnectorClient
+}
+
+func New(cfg Config) (Client, error) {
+	cfg.Endpoint = strings.TrimSpace(cfg.Endpoint)
+	if cfg.Endpoint == "" {
+		return nil, merrors.InvalidArgument("ledger endpoint is required", "ledger.endpoint")
+	}
+	if normalized, insecure := normalizeEndpoint(cfg.Endpoint); normalized != "" {
+		cfg.Endpoint = normalized
+		if insecure {
+			cfg.Insecure = true
+		}
+	}
+	if cfg.Timeout <= 0 {
+		cfg.Timeout = 5 * time.Second
+	}
+	dialOpts := []grpc.DialOption{}
+	if cfg.Insecure {
+		dialOpts = append(dialOpts, grpc.WithTransportCredentials(insecure.NewCredentials()))
+	} else {
+		dialOpts = append(dialOpts, grpc.WithTransportCredentials(credentials.NewTLS(&tls.Config{})))
+	}
+	conn, err := grpc.NewClient(cfg.Endpoint, dialOpts...)
+	if err != nil {
+		return nil, merrors.InternalWrap(err, fmt.Sprintf("ledger: dial %s", cfg.Endpoint))
+	}
+	return &connectorClient{
+		cfg:    cfg,
+		conn:   conn,
+		client: connectorv1.NewConnectorServiceClient(conn),
+	}, nil
+}
+
+func (c *connectorClient) Close() error {
+	if c == nil || c.conn == nil {
+		return nil
+	}
+	return c.conn.Close()
+}
+
+func (c *connectorClient) GetAccount(ctx context.Context, accountID string) (*Account, error) {
+	accountID = strings.TrimSpace(accountID)
+	if accountID == "" {
+		return nil, merrors.InvalidArgument("ledger account_id is required", "account_id")
+	}
+	ctx, cancel := c.callContext(ctx)
+	defer cancel()
+
+	resp, err := c.client.GetAccount(ctx, &connectorv1.GetAccountRequest{
+		AccountRef: &connectorv1.AccountRef{
+			ConnectorId: ledgerConnectorID,
+			AccountId:   accountID,
+		},
+	})
+	if err != nil {
+		return nil, err
+	}
+	account := resp.GetAccount()
+	if account == nil {
+		return nil, merrors.NoData("ledger account not found")
+	}
+	accountCode := strings.TrimSpace(account.GetLabel())
+	organizationRef := strings.TrimSpace(account.GetOwnerRef())
+	if organizationRef == "" && account.GetProviderDetails() != nil {
+		details := account.GetProviderDetails().AsMap()
+		if organizationRef == "" {
+			organizationRef = firstDetailValue(details, "organization_ref", "organizationRef", "org_ref")
+		}
+		if accountCode == "" {
+			accountCode = firstDetailValue(details, "account_code", "accountCode", "code", "ledger_account_code")
+		}
+	}
+	return &Account{
+		AccountID:       accountID,
+		AccountCode:     accountCode,
+		Currency:        strings.ToUpper(strings.TrimSpace(account.GetAsset())),
+		OrganizationRef: organizationRef,
+	}, nil
+}
+
+func (c *connectorClient) GetBalance(ctx context.Context, accountID string) (*Balance, error) {
+	accountID = strings.TrimSpace(accountID)
+	if accountID == "" {
+		return nil, merrors.InvalidArgument("ledger account_id is required", "account_id")
+	}
+	ctx, cancel := c.callContext(ctx)
+	defer cancel()
+
+	resp, err := c.client.GetBalance(ctx, &connectorv1.GetBalanceRequest{
+		AccountRef: &connectorv1.AccountRef{
+			ConnectorId: ledgerConnectorID,
+			AccountId:   accountID,
+		},
+	})
+	if err != nil {
+		return nil, err
+	}
+	balance := resp.GetBalance()
+	if balance == nil || balance.GetAvailable() == nil {
+		return nil, merrors.Internal("ledger balance is unavailable")
+	}
+	return &Balance{
+		AccountID: accountID,
+		Amount:    strings.TrimSpace(balance.GetAvailable().GetAmount()),
+		Currency:  strings.ToUpper(strings.TrimSpace(balance.GetAvailable().GetCurrency())),
+	}, nil
+}
+
+func (c *connectorClient) ExternalCredit(ctx context.Context, req PostRequest) (*OperationResult, error) {
+	return c.submitExternalOperation(ctx, connectorv1.OperationType_CREDIT, discovery.OperationExternalCredit, req)
+}
+
+func (c *connectorClient) ExternalDebit(ctx context.Context, req PostRequest) (*OperationResult, error) {
+	return c.submitExternalOperation(ctx, connectorv1.OperationType_DEBIT, discovery.OperationExternalDebit, req)
+}
+
+func (c *connectorClient) submitExternalOperation(ctx context.Context, opType connectorv1.OperationType, operation string, req PostRequest) (*OperationResult, error) {
+	req.AccountID = strings.TrimSpace(req.AccountID)
+	req.OrganizationRef = strings.TrimSpace(req.OrganizationRef)
+	req.Amount = strings.TrimSpace(req.Amount)
+	req.Currency = strings.ToUpper(strings.TrimSpace(req.Currency))
+	req.Reference = strings.TrimSpace(req.Reference)
+	req.IdempotencyKey = strings.TrimSpace(req.IdempotencyKey)
+
+	if req.AccountID == "" {
+		return nil, merrors.InvalidArgument("ledger account_id is required", "account_id")
+	}
+	if req.OrganizationRef == "" {
+		return nil, merrors.InvalidArgument("ledger organization_ref is required", "organization_ref")
+	}
+	if req.Amount == "" || req.Currency == "" {
+		return nil, merrors.InvalidArgument("ledger amount is required", "amount")
+	}
+	if req.IdempotencyKey == "" {
+		return nil, merrors.InvalidArgument("ledger idempotency_key is required", "idempotency_key")
+	}
+
+	params := map[string]any{
+		"organization_ref": req.OrganizationRef,
+		"operation":        operation,
+		"description":      "chsettle treasury operation",
+		"metadata": map[string]any{
+			"reference": req.Reference,
+		},
+	}
+	operationReq := &connectorv1.Operation{
+		Type:           opType,
+		IdempotencyKey: req.IdempotencyKey,
+		Money: &moneyv1.Money{
+			Amount:   req.Amount,
+			Currency: req.Currency,
+		},
+		Params: structFromMap(params),
+	}
+	account := &connectorv1.AccountRef{ConnectorId: ledgerConnectorID, AccountId: req.AccountID}
+	switch opType {
+	case connectorv1.OperationType_CREDIT:
+		operationReq.To = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: account}}
+	case connectorv1.OperationType_DEBIT:
+		operationReq.From = &connectorv1.OperationParty{Ref: &connectorv1.OperationParty_Account{Account: account}}
+	}
+
+	ctx, cancel := c.callContext(ctx)
+	defer cancel()
+
+	resp, err := c.client.SubmitOperation(ctx, &connectorv1.SubmitOperationRequest{Operation: operationReq})
+	if err != nil {
+		return nil, err
+	}
+	if resp.GetReceipt() == nil {
+		return nil, merrors.Internal("ledger receipt is unavailable")
+	}
+	if receiptErr := resp.GetReceipt().GetError(); receiptErr != nil {
+		message := strings.TrimSpace(receiptErr.GetMessage())
+		if message == "" {
+			message = "ledger operation failed"
+		}
+		return nil, merrors.InvalidArgument(message)
+	}
+	reference := strings.TrimSpace(resp.GetReceipt().GetOperationId())
+	if reference == "" {
+		reference = req.Reference
+	}
+	return &OperationResult{Reference: reference}, nil
+}
+
+func (c *connectorClient) callContext(ctx context.Context) (context.Context, context.CancelFunc) {
+	if ctx == nil {
+		ctx = context.Background()
+	}
+	return context.WithTimeout(ctx, c.cfg.Timeout)
+}
+
+func structFromMap(values map[string]any) *structpb.Struct {
+	if len(values) == 0 {
+		return nil
+	}
+	result, err := structpb.NewStruct(values)
+	if err != nil {
+		return nil
+	}
+	return result
+}
+
+func normalizeEndpoint(raw string) (string, bool) {
+	raw = strings.TrimSpace(raw)
+	if raw == "" {
+		return "", false
+	}
+	parsed, err := url.Parse(raw)
+	if err != nil || parsed.Scheme == "" || parsed.Host == "" {
+		return raw, false
+	}
+	switch strings.ToLower(strings.TrimSpace(parsed.Scheme)) {
+	case "http", "grpc":
+		return parsed.Host, true
+	case "https", "grpcs":
+		return parsed.Host, false
+	default:
+		return raw, false
+	}
+}
+
+func firstDetailValue(values map[string]any, keys ...string) string {
+	if len(values) == 0 || len(keys) == 0 {
+		return ""
+	}
+	for _, key := range keys {
+		key = strings.TrimSpace(key)
+		if key == "" {
+			continue
+		}
+		if value, ok := values[key]; ok {
+			if text := strings.TrimSpace(fmt.Sprint(value)); text != "" {
+				return text
+			}
+		}
+	}
+	return ""
+}

api/gateway/chsettle/internal/service/treasury/ledger/discovery_client.go

@@ -0,0 +1,235 @@
+package ledger
+
+import (
+	"context"
+	"fmt"
+	"net"
+	"net/url"
+	"sort"
+	"strings"
+	"sync"
+	"time"
+
+	"github.com/tech/sendico/pkg/discovery"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	"go.uber.org/zap"
+)
+
+type DiscoveryConfig struct {
+	Logger   mlogger.Logger
+	Registry *discovery.Registry
+	Timeout  time.Duration
+}
+
+type discoveryEndpoint struct {
+	address  string
+	insecure bool
+	raw      string
+}
+
+func (e discoveryEndpoint) key() string {
+	return fmt.Sprintf("%s|%t", e.address, e.insecure)
+}
+
+type discoveryClient struct {
+	logger   mlogger.Logger
+	registry *discovery.Registry
+	timeout  time.Duration
+
+	mu          sync.Mutex
+	client      Client
+	endpointKey string
+}
+
+func NewDiscoveryClient(cfg DiscoveryConfig) (Client, error) {
+	if cfg.Registry == nil {
+		return nil, merrors.InvalidArgument("treasury ledger discovery registry is required", "registry")
+	}
+	if cfg.Timeout <= 0 {
+		cfg.Timeout = 5 * time.Second
+	}
+	logger := cfg.Logger
+	if logger != nil {
+		logger = logger.Named("treasury_ledger_discovery")
+	}
+	return &discoveryClient{
+		logger:   logger,
+		registry: cfg.Registry,
+		timeout:  cfg.Timeout,
+	}, nil
+}
+
+func (c *discoveryClient) Close() error {
+	if c == nil {
+		return nil
+	}
+	c.mu.Lock()
+	defer c.mu.Unlock()
+	if c.client != nil {
+		err := c.client.Close()
+		c.client = nil
+		c.endpointKey = ""
+		return err
+	}
+	return nil
+}
+
+func (c *discoveryClient) GetAccount(ctx context.Context, accountID string) (*Account, error) {
+	client, err := c.resolveClient(ctx)
+	if err != nil {
+		return nil, err
+	}
+	return client.GetAccount(ctx, accountID)
+}
+
+func (c *discoveryClient) GetBalance(ctx context.Context, accountID string) (*Balance, error) {
+	client, err := c.resolveClient(ctx)
+	if err != nil {
+		return nil, err
+	}
+	return client.GetBalance(ctx, accountID)
+}
+
+func (c *discoveryClient) ExternalCredit(ctx context.Context, req PostRequest) (*OperationResult, error) {
+	client, err := c.resolveClient(ctx)
+	if err != nil {
+		return nil, err
+	}
+	return client.ExternalCredit(ctx, req)
+}
+
+func (c *discoveryClient) ExternalDebit(ctx context.Context, req PostRequest) (*OperationResult, error) {
+	client, err := c.resolveClient(ctx)
+	if err != nil {
+		return nil, err
+	}
+	return client.ExternalDebit(ctx, req)
+}
+
+func (c *discoveryClient) resolveClient(_ context.Context) (Client, error) {
+	if c == nil || c.registry == nil {
+		return nil, merrors.Internal("treasury ledger discovery is unavailable")
+	}
+	endpoint, err := c.resolveEndpoint()
+	if err != nil {
+		return nil, err
+	}
+	key := endpoint.key()
+
+	c.mu.Lock()
+	defer c.mu.Unlock()
+
+	if c.client != nil && c.endpointKey == key {
+		return c.client, nil
+	}
+	if c.client != nil {
+		_ = c.client.Close()
+		c.client = nil
+		c.endpointKey = ""
+	}
+	next, err := New(Config{
+		Endpoint: endpoint.address,
+		Timeout:  c.timeout,
+		Insecure: endpoint.insecure,
+	})
+	if err != nil {
+		return nil, err
+	}
+	c.client = next
+	c.endpointKey = key
+	if c.logger != nil {
+		c.logger.Info("Discovered ledger endpoint selected",
+			zap.String("service", string(mservice.Ledger)),
+			zap.String("invoke_uri", endpoint.raw),
+			zap.String("address", endpoint.address),
+			zap.Bool("insecure", endpoint.insecure))
+	}
+	return c.client, nil
+}
+
+func (c *discoveryClient) resolveEndpoint() (discoveryEndpoint, error) {
+	entries := c.registry.List(time.Now(), true)
+	type match struct {
+		entry   discovery.RegistryEntry
+		opMatch bool
+	}
+	matches := make([]match, 0, len(entries))
+	requiredOps := discovery.LedgerServiceOperations()
+	for _, entry := range entries {
+		if !matchesService(entry.Service, mservice.Ledger) {
+			continue
+		}
+		matches = append(matches, match{
+			entry:   entry,
+			opMatch: discovery.HasAnyOperation(entry.Operations, requiredOps),
+		})
+	}
+	if len(matches) == 0 {
+		return discoveryEndpoint{}, merrors.NoData("discovery: ledger service unavailable")
+	}
+	sort.Slice(matches, func(i, j int) bool {
+		if matches[i].opMatch != matches[j].opMatch {
+			return matches[i].opMatch
+		}
+		if matches[i].entry.RoutingPriority != matches[j].entry.RoutingPriority {
+			return matches[i].entry.RoutingPriority > matches[j].entry.RoutingPriority
+		}
+		if matches[i].entry.ID != matches[j].entry.ID {
+			return matches[i].entry.ID < matches[j].entry.ID
+		}
+		return matches[i].entry.InstanceID < matches[j].entry.InstanceID
+	})
+	return parseDiscoveryEndpoint(matches[0].entry.InvokeURI)
+}
+
+func matchesService(service string, candidate mservice.Type) bool {
+	service = strings.TrimSpace(service)
+	if service == "" || strings.TrimSpace(string(candidate)) == "" {
+		return false
+	}
+	return strings.EqualFold(service, strings.TrimSpace(string(candidate)))
+}
+
+func parseDiscoveryEndpoint(raw string) (discoveryEndpoint, error) {
+	raw = strings.TrimSpace(raw)
+	if raw == "" {
+		return discoveryEndpoint{}, merrors.InvalidArgument("discovery: invoke uri is required")
+	}
+
+	if !strings.Contains(raw, "://") {
+		if _, _, splitErr := net.SplitHostPort(raw); splitErr != nil {
+			return discoveryEndpoint{}, merrors.InvalidArgument("discovery: invoke uri must include host:port")
+		}
+		return discoveryEndpoint{address: raw, insecure: true, raw: raw}, nil
+	}
+
+	parsed, err := url.Parse(raw)
+	if err != nil || parsed.Scheme == "" {
+		if err != nil {
+			return discoveryEndpoint{}, err
+		}
+		return discoveryEndpoint{}, merrors.InvalidArgument("discovery: invoke uri must include host:port")
+	}
+
+	scheme := strings.ToLower(strings.TrimSpace(parsed.Scheme))
+	switch scheme {
+	case "grpc":
+		address := strings.TrimSpace(parsed.Host)
+		if _, _, splitErr := net.SplitHostPort(address); splitErr != nil {
+			return discoveryEndpoint{}, merrors.InvalidArgument("discovery: invoke uri must include host:port")
+		}
+		return discoveryEndpoint{address: address, insecure: true, raw: raw}, nil
+	case "grpcs":
+		address := strings.TrimSpace(parsed.Host)
+		if _, _, splitErr := net.SplitHostPort(address); splitErr != nil {
+			return discoveryEndpoint{}, merrors.InvalidArgument("discovery: invoke uri must include host:port")
+		}
+		return discoveryEndpoint{address: address, insecure: false, raw: raw}, nil
+	case "dns", "passthrough":
+		return discoveryEndpoint{address: raw, insecure: true, raw: raw}, nil
+	default:
+		return discoveryEndpoint{}, merrors.InvalidArgument("discovery: unsupported invoke uri scheme")
+	}
+}

api/gateway/chsettle/internal/service/treasury/module.go

@@ -0,0 +1,205 @@
+package treasury
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/chsettle/internal/service/treasury/bot"
+	"github.com/tech/sendico/gateway/chsettle/internal/service/treasury/ledger"
+	"github.com/tech/sendico/gateway/chsettle/storage"
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
+)
+
+type Module struct {
+	logger mlogger.Logger
+
+	service   *Service
+	router    *bot.Router
+	scheduler *Scheduler
+	ledger    ledger.Client
+}
+
+func NewModule(
+	logger mlogger.Logger,
+	repo storage.TreasuryRequestsStore,
+	users storage.TreasuryTelegramUsersStore,
+	ledgerClient ledger.Client,
+	cfg Config,
+	send bot.SendTextFunc,
+) (*Module, error) {
+	if logger != nil {
+		logger = logger.Named("treasury")
+	}
+	if users == nil {
+		return nil, merrors.InvalidArgument("treasury telegram users store is required", "users")
+	}
+	service, err := NewService(
+		logger,
+		repo,
+		ledgerClient,
+		cfg.ExecutionDelay,
+		cfg.MaxAmountPerOperation,
+		cfg.MaxDailyAmount,
+	)
+	if err != nil {
+		return nil, err
+	}
+
+	module := &Module{
+		logger:  logger,
+		service: service,
+		ledger:  ledgerClient,
+	}
+	module.scheduler = NewScheduler(logger, service, NotifyFunc(send), cfg.PollInterval)
+	module.router = bot.NewRouter(logger, &botServiceAdapter{svc: service}, send, module.scheduler, &botUsersAdapter{store: users})
+	return module, nil
+}
+
+func (m *Module) Enabled() bool {
+	return m != nil && m.router != nil && m.router.Enabled() && m.scheduler != nil
+}
+
+func (m *Module) Start() {
+	if m == nil || m.scheduler == nil {
+		return
+	}
+	m.scheduler.Start()
+}
+
+func (m *Module) Shutdown() {
+	if m == nil {
+		return
+	}
+	if m.scheduler != nil {
+		m.scheduler.Shutdown()
+	}
+	if m.ledger != nil {
+		_ = m.ledger.Close()
+	}
+}
+
+func (m *Module) HandleUpdate(ctx context.Context, update *model.TelegramWebhookUpdate) bool {
+	if m == nil || m.router == nil {
+		return false
+	}
+	return m.router.HandleUpdate(ctx, update)
+}
+
+type botServiceAdapter struct {
+	svc *Service
+}
+
+type botUsersAdapter struct {
+	store storage.TreasuryTelegramUsersStore
+}
+
+func (a *botUsersAdapter) ResolveUserBinding(ctx context.Context, telegramUserID string) (*bot.UserBinding, error) {
+	if a == nil || a.store == nil {
+		return nil, merrors.Internal("treasury users store unavailable")
+	}
+	record, err := a.store.FindByTelegramUserID(ctx, telegramUserID)
+	if err != nil {
+		return nil, err
+	}
+	if record == nil {
+		return nil, nil
+	}
+	return &bot.UserBinding{
+		TelegramUserID:  strings.TrimSpace(record.TelegramUserID),
+		LedgerAccountID: strings.TrimSpace(record.LedgerAccountID),
+		AllowedChatIDs:  normalizeChatIDs(record.AllowedChatIDs),
+	}, nil
+}
+
+func (a *botServiceAdapter) ExecutionDelay() (delay time.Duration) {
+	if a == nil || a.svc == nil {
+		return 0
+	}
+	return a.svc.ExecutionDelay()
+}
+
+func (a *botServiceAdapter) MaxPerOperationLimit() string {
+	if a == nil || a.svc == nil {
+		return ""
+	}
+	return a.svc.MaxPerOperationLimit()
+}
+
+func (a *botServiceAdapter) GetActiveRequestForAccount(ctx context.Context, ledgerAccountID string) (*storagemodel.TreasuryRequest, error) {
+	if a == nil || a.svc == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	return a.svc.GetActiveRequestForAccount(ctx, ledgerAccountID)
+}
+
+func (a *botServiceAdapter) GetAccountProfile(ctx context.Context, ledgerAccountID string) (*bot.AccountProfile, error) {
+	if a == nil || a.svc == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	profile, err := a.svc.GetAccountProfile(ctx, ledgerAccountID)
+	if err != nil {
+		return nil, err
+	}
+	if profile == nil {
+		return nil, nil
+	}
+	return &bot.AccountProfile{
+		AccountID:   strings.TrimSpace(profile.AccountID),
+		AccountCode: strings.TrimSpace(profile.AccountCode),
+		Currency:    strings.TrimSpace(profile.Currency),
+	}, nil
+}
+
+func (a *botServiceAdapter) CreateRequest(ctx context.Context, input bot.CreateRequestInput) (*storagemodel.TreasuryRequest, error) {
+	if a == nil || a.svc == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	return a.svc.CreateRequest(ctx, CreateRequestInput{
+		OperationType:   input.OperationType,
+		TelegramUserID:  input.TelegramUserID,
+		LedgerAccountID: input.LedgerAccountID,
+		ChatID:          input.ChatID,
+		Amount:          input.Amount,
+	})
+}
+
+func (a *botServiceAdapter) ConfirmRequest(ctx context.Context, requestID string, telegramUserID string) (*storagemodel.TreasuryRequest, error) {
+	if a == nil || a.svc == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	return a.svc.ConfirmRequest(ctx, requestID, telegramUserID)
+}
+
+func (a *botServiceAdapter) CancelRequest(ctx context.Context, requestID string, telegramUserID string) (*storagemodel.TreasuryRequest, error) {
+	if a == nil || a.svc == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	return a.svc.CancelRequest(ctx, requestID, telegramUserID)
+}
+
+func normalizeChatIDs(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	out := make([]string, 0, len(values))
+	seen := map[string]struct{}{}
+	for _, next := range values {
+		next = strings.TrimSpace(next)
+		if next == "" {
+			continue
+		}
+		if _, ok := seen[next]; ok {
+			continue
+		}
+		seen[next] = struct{}{}
+		out = append(out, next)
+	}
+	if len(out) == 0 {
+		return nil
+	}
+	return out
+}

api/gateway/chsettle/internal/service/treasury/scheduler.go

@@ -0,0 +1,327 @@
+package treasury
+
+import (
+	"context"
+	"strings"
+	"sync"
+	"time"
+
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.uber.org/zap"
+)
+
+type NotifyFunc func(ctx context.Context, chatID string, text string) error
+
+type Scheduler struct {
+	logger              mlogger.Logger
+	service             *Service
+	notify              NotifyFunc
+	safetySweepInterval time.Duration
+
+	cancel context.CancelFunc
+	wg     sync.WaitGroup
+
+	timersMu sync.Mutex
+	timers   map[string]*time.Timer
+}
+
+func NewScheduler(logger mlogger.Logger, service *Service, notify NotifyFunc, safetySweepInterval time.Duration) *Scheduler {
+	if logger != nil {
+		logger = logger.Named("treasury_scheduler")
+	}
+	if safetySweepInterval <= 0 {
+		safetySweepInterval = 30 * time.Second
+	}
+	return &Scheduler{
+		logger:              logger,
+		service:             service,
+		notify:              notify,
+		safetySweepInterval: safetySweepInterval,
+		timers:              map[string]*time.Timer{},
+	}
+}
+
+func (s *Scheduler) Start() {
+	if s == nil || s.service == nil || s.cancel != nil {
+		return
+	}
+	ctx, cancel := context.WithCancel(context.Background())
+	s.cancel = cancel
+
+	// Rebuild in-memory timers from DB on startup.
+	s.hydrateTimers(ctx)
+	// Safety pass for overdue items at startup.
+	s.sweep(ctx)
+
+	s.wg.Add(1)
+	go func() {
+		defer s.wg.Done()
+		ticker := time.NewTicker(s.safetySweepInterval)
+		defer ticker.Stop()
+		for {
+			select {
+			case <-ctx.Done():
+				return
+			case <-ticker.C:
+				s.sweep(ctx)
+			}
+		}
+	}()
+}
+
+func (s *Scheduler) Shutdown() {
+	if s == nil || s.cancel == nil {
+		return
+	}
+	s.cancel()
+	s.wg.Wait()
+	s.timersMu.Lock()
+	for requestID, timer := range s.timers {
+		if timer != nil {
+			timer.Stop()
+		}
+		delete(s.timers, requestID)
+	}
+	s.timersMu.Unlock()
+}
+
+func (s *Scheduler) TrackScheduled(record *storagemodel.TreasuryRequest) {
+	if s == nil || s.service == nil || record == nil {
+		return
+	}
+	if strings.TrimSpace(record.RequestID) == "" {
+		return
+	}
+	if record.Status != storagemodel.TreasuryRequestStatusScheduled {
+		return
+	}
+	requestID := strings.TrimSpace(record.RequestID)
+	when := record.ScheduledAt
+	if when.IsZero() {
+		when = time.Now()
+	}
+	delay := time.Until(when)
+	if delay <= 0 {
+		s.Untrack(requestID)
+		go s.executeAndNotifyByID(context.Background(), requestID)
+		return
+	}
+
+	s.timersMu.Lock()
+	if existing := s.timers[requestID]; existing != nil {
+		existing.Stop()
+	}
+	s.timers[requestID] = time.AfterFunc(delay, func() {
+		s.Untrack(requestID)
+		s.executeAndNotifyByID(context.Background(), requestID)
+	})
+	s.timersMu.Unlock()
+}
+
+func (s *Scheduler) Untrack(requestID string) {
+	if s == nil {
+		return
+	}
+	requestID = strings.TrimSpace(requestID)
+	if requestID == "" {
+		return
+	}
+	s.timersMu.Lock()
+	if timer := s.timers[requestID]; timer != nil {
+		timer.Stop()
+	}
+	delete(s.timers, requestID)
+	s.timersMu.Unlock()
+}
+
+func (s *Scheduler) hydrateTimers(ctx context.Context) {
+	if s == nil || s.service == nil {
+		return
+	}
+	scheduled, err := s.service.ScheduledRequests(ctx, 1000)
+	if err != nil {
+		s.logger.Warn("Failed to hydrate scheduled treasury requests", zap.Error(err))
+		return
+	}
+	for _, record := range scheduled {
+		s.TrackScheduled(&record)
+	}
+}
+
+func (s *Scheduler) sweep(ctx context.Context) {
+	if s == nil || s.service == nil {
+		return
+	}
+	now := time.Now()
+
+	confirmed, err := s.service.DueRequests(ctx, []storagemodel.TreasuryRequestStatus{
+		storagemodel.TreasuryRequestStatusConfirmed,
+	}, now, 100)
+	if err != nil {
+		s.logger.Warn("Failed to list confirmed treasury requests", zap.Error(err))
+		return
+	}
+	for _, request := range confirmed {
+		s.executeAndNotifyByID(ctx, strings.TrimSpace(request.RequestID))
+	}
+
+	scheduled, err := s.service.DueRequests(ctx, []storagemodel.TreasuryRequestStatus{
+		storagemodel.TreasuryRequestStatusScheduled,
+	}, now, 100)
+	if err != nil {
+		s.logger.Warn("Failed to list scheduled treasury requests", zap.Error(err))
+		return
+	}
+	for _, request := range scheduled {
+		s.Untrack(strings.TrimSpace(request.RequestID))
+		s.executeAndNotifyByID(ctx, strings.TrimSpace(request.RequestID))
+	}
+}
+
+func (s *Scheduler) executeAndNotifyByID(ctx context.Context, requestID string) {
+	if s == nil || s.service == nil {
+		return
+	}
+	requestID = strings.TrimSpace(requestID)
+	if requestID == "" {
+		return
+	}
+
+	runCtx := ctx
+	if runCtx == nil {
+		runCtx = context.Background()
+	}
+	withTimeout, cancel := context.WithTimeout(runCtx, 30*time.Second)
+	defer cancel()
+
+	result, err := s.service.ExecuteRequest(withTimeout, requestID)
+	if err != nil {
+		s.logger.Warn("Failed to execute treasury request", zap.Error(err), zap.String("request_id", requestID))
+		return
+	}
+	if result == nil || result.Request == nil {
+		s.logger.Debug("Treasury execution produced no result", zap.String("request_id", requestID))
+		return
+	}
+	if s.notify == nil {
+		s.logger.Warn("Treasury execution notifier is unavailable", zap.String("request_id", requestID))
+		return
+	}
+
+	text := executionMessage(result)
+	if strings.TrimSpace(text) == "" {
+		s.logger.Debug("Treasury execution result has no notification text",
+			zap.String("request_id", strings.TrimSpace(result.Request.RequestID)),
+			zap.String("status", strings.TrimSpace(string(result.Request.Status))))
+		return
+	}
+	chatID := strings.TrimSpace(result.Request.ChatID)
+	if chatID == "" {
+		s.logger.Warn("Treasury execution notification skipped: empty chat_id",
+			zap.String("request_id", strings.TrimSpace(result.Request.RequestID)))
+		return
+	}
+
+	s.logger.Info("Sending treasury execution notification",
+		zap.String("request_id", strings.TrimSpace(result.Request.RequestID)),
+		zap.String("chat_id", chatID),
+		zap.String("status", strings.TrimSpace(string(result.Request.Status))))
+
+	notifyCtx := context.Background()
+	if ctx != nil {
+		notifyCtx = ctx
+	}
+	notifyCtx, notifyCancel := context.WithTimeout(notifyCtx, 15*time.Second)
+	defer notifyCancel()
+
+	if err := s.notify(notifyCtx, chatID, text); err != nil {
+		s.logger.Warn("Failed to notify treasury execution result",
+			zap.Error(err),
+			zap.String("request_id", strings.TrimSpace(result.Request.RequestID)),
+			zap.String("chat_id", chatID),
+			zap.String("status", strings.TrimSpace(string(result.Request.Status))))
+		return
+	}
+	s.logger.Info("Treasury execution notification sent",
+		zap.String("request_id", strings.TrimSpace(result.Request.RequestID)),
+		zap.String("chat_id", chatID),
+		zap.String("status", strings.TrimSpace(string(result.Request.Status))))
+}
+
+func executionMessage(result *ExecutionResult) string {
+	if result == nil || result.Request == nil {
+		return ""
+	}
+	request := result.Request
+	switch request.Status {
+	case storagemodel.TreasuryRequestStatusExecuted:
+		op := "Funding"
+		sign := "+"
+		if request.OperationType == storagemodel.TreasuryOperationWithdraw {
+			op = "Withdrawal"
+			sign = "-"
+		}
+		balanceAmount := "unavailable"
+		balanceCurrency := strings.TrimSpace(request.Currency)
+		if result.NewBalance != nil {
+			if strings.TrimSpace(result.NewBalance.Amount) != "" {
+				balanceAmount = strings.TrimSpace(result.NewBalance.Amount)
+			}
+			if strings.TrimSpace(result.NewBalance.Currency) != "" {
+				balanceCurrency = strings.TrimSpace(result.NewBalance.Currency)
+			}
+		}
+		return "*" + op + " completed*\n\n" +
+			"*Account:* " + markdownCode(requestAccountCode(request)) + "\n" +
+			"*Amount:* " + markdownCode(sign+strings.TrimSpace(request.Amount)+" "+strings.TrimSpace(request.Currency)) + "\n" +
+			"*New balance:* " + markdownCode(balanceAmount+" "+balanceCurrency) + "\n\n" +
+			"*Reference:* " + markdownCode(strings.TrimSpace(request.RequestID))
+	case storagemodel.TreasuryRequestStatusFailed:
+		reason := strings.TrimSpace(request.ErrorMessage)
+		if reason == "" && result.ExecutionError != nil {
+			reason = strings.TrimSpace(result.ExecutionError.Error())
+		}
+		if reason == "" {
+			reason = "Unknown error."
+		}
+		return "*Execution failed*\n\n" +
+			"*Account:* " + markdownCode(requestAccountCode(request)) + "\n" +
+			"*Amount:* " + markdownCode(strings.TrimSpace(request.Amount)+" "+strings.TrimSpace(request.Currency)) + "\n" +
+			"*Status:* " + markdownCode("FAILED") + "\n" +
+			"*Reason:* " + markdownCode(compactForMarkdown(reason)) + "\n\n" +
+			"*Request ID:* " + markdownCode(strings.TrimSpace(request.RequestID))
+	default:
+		return ""
+	}
+}
+
+func requestAccountCode(request *storagemodel.TreasuryRequest) string {
+	if request == nil {
+		return ""
+	}
+	if code := strings.TrimSpace(request.LedgerAccountCode); code != "" {
+		return code
+	}
+	return strings.TrimSpace(request.LedgerAccountID)
+}
+
+func markdownCode(value string) string {
+	value = strings.TrimSpace(value)
+	if value == "" {
+		value = "N/A"
+	}
+	value = strings.ReplaceAll(value, "`", "'")
+	return "`" + value + "`"
+}
+
+func compactForMarkdown(value string) string {
+	value = strings.TrimSpace(value)
+	if value == "" {
+		return "Unknown error."
+	}
+	value = strings.ReplaceAll(value, "\r\n", " ")
+	value = strings.ReplaceAll(value, "\n", " ")
+	value = strings.ReplaceAll(value, "\r", " ")
+	return strings.Join(strings.Fields(value), " ")
+}

api/gateway/chsettle/internal/service/treasury/service.go

@@ -0,0 +1,457 @@
+package treasury
+
+import (
+	"context"
+	"errors"
+	"fmt"
+	"math/big"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/chsettle/internal/service/treasury/ledger"
+	"github.com/tech/sendico/gateway/chsettle/storage"
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.mongodb.org/mongo-driver/v2/bson"
+	"go.uber.org/zap"
+)
+
+var ErrActiveTreasuryRequest = errors.New("active treasury request exists")
+
+type CreateRequestInput struct {
+	OperationType   storagemodel.TreasuryOperationType
+	TelegramUserID  string
+	LedgerAccountID string
+	ChatID          string
+	Amount          string
+}
+
+type AccountProfile struct {
+	AccountID   string
+	AccountCode string
+	Currency    string
+}
+
+type ExecutionResult struct {
+	Request        *storagemodel.TreasuryRequest
+	NewBalance     *ledger.Balance
+	ExecutionError error
+}
+
+type Service struct {
+	logger mlogger.Logger
+	repo   storage.TreasuryRequestsStore
+	ledger ledger.Client
+
+	validator      *Validator
+	executionDelay time.Duration
+}
+
+func NewService(
+	logger mlogger.Logger,
+	repo storage.TreasuryRequestsStore,
+	ledgerClient ledger.Client,
+	executionDelay time.Duration,
+	maxPerOperation string,
+	maxDaily string,
+) (*Service, error) {
+	if logger == nil {
+		return nil, merrors.InvalidArgument("logger is required", "logger")
+	}
+	if repo == nil {
+		return nil, merrors.InvalidArgument("treasury repository is required", "repo")
+	}
+	if ledgerClient == nil {
+		return nil, merrors.InvalidArgument("ledger client is required", "ledger_client")
+	}
+	if executionDelay <= 0 {
+		executionDelay = 30 * time.Second
+	}
+	validator, err := NewValidator(repo, maxPerOperation, maxDaily)
+	if err != nil {
+		return nil, err
+	}
+	return &Service{
+		logger:         logger.Named("treasury_service"),
+		repo:           repo,
+		ledger:         ledgerClient,
+		validator:      validator,
+		executionDelay: executionDelay,
+	}, nil
+}
+
+func (s *Service) ExecutionDelay() time.Duration {
+	if s == nil {
+		return 0
+	}
+	return s.executionDelay
+}
+
+func (s *Service) MaxPerOperationLimit() string {
+	if s == nil || s.validator == nil {
+		return ""
+	}
+	return s.validator.MaxPerOperation()
+}
+
+func (s *Service) GetActiveRequestForAccount(ctx context.Context, ledgerAccountID string) (*storagemodel.TreasuryRequest, error) {
+	if s == nil || s.repo == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	return s.repo.FindActiveByLedgerAccountID(ctx, ledgerAccountID)
+}
+
+func (s *Service) GetRequest(ctx context.Context, requestID string) (*storagemodel.TreasuryRequest, error) {
+	if s == nil || s.repo == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	return s.repo.FindByRequestID(ctx, requestID)
+}
+
+func (s *Service) GetAccountProfile(ctx context.Context, ledgerAccountID string) (*AccountProfile, error) {
+	if s == nil || s.ledger == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	ledgerAccountID = strings.TrimSpace(ledgerAccountID)
+	if ledgerAccountID == "" {
+		return nil, merrors.InvalidArgument("ledger_account_id is required", "ledger_account_id")
+	}
+
+	account, err := s.ledger.GetAccount(ctx, ledgerAccountID)
+	if err != nil {
+		return nil, err
+	}
+	if account == nil {
+		return nil, merrors.NoData("ledger account not found")
+	}
+	return &AccountProfile{
+		AccountID:   ledgerAccountID,
+		AccountCode: resolveAccountCode(account, ledgerAccountID),
+		Currency:    strings.ToUpper(strings.TrimSpace(account.Currency)),
+	}, nil
+}
+
+func (s *Service) CreateRequest(ctx context.Context, input CreateRequestInput) (*storagemodel.TreasuryRequest, error) {
+	if s == nil || s.repo == nil || s.ledger == nil || s.validator == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	input.TelegramUserID = strings.TrimSpace(input.TelegramUserID)
+	input.LedgerAccountID = strings.TrimSpace(input.LedgerAccountID)
+	input.ChatID = strings.TrimSpace(input.ChatID)
+	input.Amount = strings.TrimSpace(input.Amount)
+
+	switch input.OperationType {
+	case storagemodel.TreasuryOperationFund, storagemodel.TreasuryOperationWithdraw:
+	default:
+		return nil, merrors.InvalidArgument("treasury operation is invalid", "operation_type")
+	}
+	if input.TelegramUserID == "" {
+		return nil, merrors.InvalidArgument("telegram_user_id is required", "telegram_user_id")
+	}
+	if input.LedgerAccountID == "" {
+		return nil, merrors.InvalidArgument("ledger_account_id is required", "ledger_account_id")
+	}
+	if input.ChatID == "" {
+		return nil, merrors.InvalidArgument("chat_id is required", "chat_id")
+	}
+
+	active, err := s.repo.FindActiveByLedgerAccountID(ctx, input.LedgerAccountID)
+	if err != nil {
+		return nil, err
+	}
+	if active != nil {
+		return active, ErrActiveTreasuryRequest
+	}
+
+	amountRat, normalizedAmount, err := s.validator.ValidateAmount(input.Amount)
+	if err != nil {
+		return nil, err
+	}
+	if err := s.validator.ValidateDailyLimit(ctx, input.LedgerAccountID, amountRat, time.Now()); err != nil {
+		return nil, err
+	}
+
+	account, err := s.ledger.GetAccount(ctx, input.LedgerAccountID)
+	if err != nil {
+		return nil, err
+	}
+	if account == nil || strings.TrimSpace(account.Currency) == "" {
+		return nil, merrors.Internal("ledger account currency is unavailable")
+	}
+	if strings.TrimSpace(account.OrganizationRef) == "" {
+		return nil, merrors.Internal("ledger account organization is unavailable")
+	}
+
+	requestID := newRequestID()
+	record := &storagemodel.TreasuryRequest{
+		RequestID:         requestID,
+		OperationType:     input.OperationType,
+		TelegramUserID:    input.TelegramUserID,
+		LedgerAccountID:   input.LedgerAccountID,
+		LedgerAccountCode: resolveAccountCode(account, input.LedgerAccountID),
+		OrganizationRef:   account.OrganizationRef,
+		ChatID:            input.ChatID,
+		Amount:            normalizedAmount,
+		Currency:          strings.ToUpper(strings.TrimSpace(account.Currency)),
+		Status:            storagemodel.TreasuryRequestStatusCreated,
+		IdempotencyKey:    fmt.Sprintf("chsettle:%s", requestID),
+		Active:            true,
+	}
+	if err := s.repo.Create(ctx, record); err != nil {
+		if errors.Is(err, storage.ErrDuplicate) {
+			active, fetchErr := s.repo.FindActiveByLedgerAccountID(ctx, input.LedgerAccountID)
+			if fetchErr != nil {
+				return nil, fetchErr
+			}
+			if active != nil {
+				return active, ErrActiveTreasuryRequest
+			}
+			return nil, err
+		}
+		return nil, err
+	}
+
+	s.logRequest(record, "created", nil)
+	return record, nil
+}
+
+func (s *Service) ConfirmRequest(ctx context.Context, requestID string, telegramUserID string) (*storagemodel.TreasuryRequest, error) {
+	requestID = strings.TrimSpace(requestID)
+	telegramUserID = strings.TrimSpace(telegramUserID)
+	if requestID == "" {
+		return nil, merrors.InvalidArgument("request_id is required", "request_id")
+	}
+	record, err := s.repo.FindByRequestID(ctx, requestID)
+	if err != nil {
+		return nil, err
+	}
+	if record == nil {
+		return nil, merrors.NoData("treasury request not found")
+	}
+	if telegramUserID != "" && record.TelegramUserID != telegramUserID {
+		return nil, merrors.Unauthorized("treasury request ownership mismatch")
+	}
+
+	switch record.Status {
+	case storagemodel.TreasuryRequestStatusScheduled:
+		return record, nil
+	case storagemodel.TreasuryRequestStatusCreated, storagemodel.TreasuryRequestStatusConfirmed:
+		now := time.Now()
+		record.ConfirmedAt = now
+		record.ScheduledAt = now.Add(s.executionDelay)
+		record.Status = storagemodel.TreasuryRequestStatusScheduled
+		record.Active = true
+		record.ErrorMessage = ""
+	default:
+		return nil, merrors.InvalidArgument("treasury request cannot be confirmed in current status", "status")
+	}
+	if err := s.repo.Update(ctx, record); err != nil {
+		return nil, err
+	}
+	s.logRequest(record, "scheduled", nil)
+	return record, nil
+}
+
+func (s *Service) CancelRequest(ctx context.Context, requestID string, telegramUserID string) (*storagemodel.TreasuryRequest, error) {
+	requestID = strings.TrimSpace(requestID)
+	telegramUserID = strings.TrimSpace(telegramUserID)
+	if requestID == "" {
+		return nil, merrors.InvalidArgument("request_id is required", "request_id")
+	}
+	record, err := s.repo.FindByRequestID(ctx, requestID)
+	if err != nil {
+		return nil, err
+	}
+	if record == nil {
+		return nil, merrors.NoData("treasury request not found")
+	}
+	if telegramUserID != "" && record.TelegramUserID != telegramUserID {
+		return nil, merrors.Unauthorized("treasury request ownership mismatch")
+	}
+
+	switch record.Status {
+	case storagemodel.TreasuryRequestStatusCancelled:
+		return record, nil
+	case storagemodel.TreasuryRequestStatusCreated, storagemodel.TreasuryRequestStatusConfirmed, storagemodel.TreasuryRequestStatusScheduled:
+		record.Status = storagemodel.TreasuryRequestStatusCancelled
+		record.CancelledAt = time.Now()
+		record.Active = false
+	default:
+		return nil, merrors.InvalidArgument("treasury request cannot be cancelled in current status", "status")
+	}
+
+	if err := s.repo.Update(ctx, record); err != nil {
+		return nil, err
+	}
+	s.logRequest(record, "cancelled", nil)
+	return record, nil
+}
+
+func (s *Service) ExecuteRequest(ctx context.Context, requestID string) (*ExecutionResult, error) {
+	requestID = strings.TrimSpace(requestID)
+	if requestID == "" {
+		return nil, merrors.InvalidArgument("request_id is required", "request_id")
+	}
+	record, err := s.repo.FindByRequestID(ctx, requestID)
+	if err != nil {
+		return nil, err
+	}
+	if record == nil {
+		return nil, nil
+	}
+
+	switch record.Status {
+	case storagemodel.TreasuryRequestStatusExecuted,
+		storagemodel.TreasuryRequestStatusCancelled,
+		storagemodel.TreasuryRequestStatusFailed:
+		return nil, nil
+	case storagemodel.TreasuryRequestStatusScheduled:
+		claimed, err := s.repo.ClaimScheduled(ctx, requestID)
+		if err != nil {
+			return nil, err
+		}
+		if !claimed {
+			return nil, nil
+		}
+		record, err = s.repo.FindByRequestID(ctx, requestID)
+		if err != nil {
+			return nil, err
+		}
+		if record == nil {
+			return nil, nil
+		}
+	}
+
+	if record.Status != storagemodel.TreasuryRequestStatusConfirmed {
+		return nil, nil
+	}
+	return s.executeClaimed(ctx, record)
+}
+
+func (s *Service) executeClaimed(ctx context.Context, record *storagemodel.TreasuryRequest) (*ExecutionResult, error) {
+	if record == nil {
+		return nil, merrors.InvalidArgument("treasury request is required", "request")
+	}
+	postReq := ledger.PostRequest{
+		AccountID:       record.LedgerAccountID,
+		OrganizationRef: record.OrganizationRef,
+		Amount:          record.Amount,
+		Currency:        record.Currency,
+		Reference:       record.RequestID,
+		IdempotencyKey:  record.IdempotencyKey,
+	}
+
+	var (
+		opResult *ledger.OperationResult
+		err      error
+	)
+	switch record.OperationType {
+	case storagemodel.TreasuryOperationFund:
+		opResult, err = s.ledger.ExternalCredit(ctx, postReq)
+	case storagemodel.TreasuryOperationWithdraw:
+		opResult, err = s.ledger.ExternalDebit(ctx, postReq)
+	default:
+		err = merrors.InvalidArgument("treasury operation is invalid", "operation_type")
+	}
+	now := time.Now()
+	if err != nil {
+		record.Status = storagemodel.TreasuryRequestStatusFailed
+		record.Active = false
+		record.ExecutedAt = now
+		record.ErrorMessage = strings.TrimSpace(err.Error())
+		if saveErr := s.repo.Update(ctx, record); saveErr != nil {
+			return nil, saveErr
+		}
+		s.logRequest(record, "failed", err)
+		return &ExecutionResult{
+			Request:        record,
+			ExecutionError: err,
+		}, nil
+	}
+
+	if opResult != nil {
+		record.LedgerReference = strings.TrimSpace(opResult.Reference)
+	}
+	record.Status = storagemodel.TreasuryRequestStatusExecuted
+	record.Active = false
+	record.ExecutedAt = now
+	record.ErrorMessage = ""
+
+	balance, balanceErr := s.ledger.GetBalance(ctx, record.LedgerAccountID)
+	if balanceErr != nil {
+		record.ErrorMessage = strings.TrimSpace(balanceErr.Error())
+	}
+
+	if saveErr := s.repo.Update(ctx, record); saveErr != nil {
+		return nil, saveErr
+	}
+	s.logRequest(record, "executed", nil)
+	return &ExecutionResult{
+		Request:        record,
+		NewBalance:     balance,
+		ExecutionError: balanceErr,
+	}, nil
+}
+
+func (s *Service) DueRequests(ctx context.Context, statuses []storagemodel.TreasuryRequestStatus, now time.Time, limit int64) ([]storagemodel.TreasuryRequest, error) {
+	if s == nil || s.repo == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	return s.repo.FindDueByStatus(ctx, statuses, now, limit)
+}
+
+func (s *Service) ScheduledRequests(ctx context.Context, limit int64) ([]storagemodel.TreasuryRequest, error) {
+	if s == nil || s.repo == nil {
+		return nil, merrors.Internal("treasury service unavailable")
+	}
+	return s.repo.FindDueByStatus(
+		ctx,
+		[]storagemodel.TreasuryRequestStatus{storagemodel.TreasuryRequestStatusScheduled},
+		time.Now().Add(10*365*24*time.Hour),
+		limit,
+	)
+}
+
+func (s *Service) ParseAmount(value string) (*big.Rat, error) {
+	return parseAmountRat(value)
+}
+
+func (s *Service) logRequest(record *storagemodel.TreasuryRequest, status string, err error) {
+	if s == nil || s.logger == nil || record == nil {
+		return
+	}
+	fields := []zap.Field{
+		zap.String("request_id", strings.TrimSpace(record.RequestID)),
+		zap.String("telegram_user_id", strings.TrimSpace(record.TelegramUserID)),
+		zap.String("ledger_account_id", strings.TrimSpace(record.LedgerAccountID)),
+		zap.String("ledger_account_code", strings.TrimSpace(record.LedgerAccountCode)),
+		zap.String("chat_id", strings.TrimSpace(record.ChatID)),
+		zap.String("operation_type", strings.TrimSpace(string(record.OperationType))),
+		zap.String("amount", strings.TrimSpace(record.Amount)),
+		zap.String("currency", strings.TrimSpace(record.Currency)),
+		zap.String("status", status),
+		zap.String("ledger_reference", strings.TrimSpace(record.LedgerReference)),
+		zap.String("error_message", strings.TrimSpace(record.ErrorMessage)),
+	}
+	if err != nil {
+		fields = append(fields, zap.Error(err))
+	}
+	s.logger.Info("treasury_request", fields...)
+}
+
+func newRequestID() string {
+	return "TG-TREASURY-" + strings.ToUpper(bson.NewObjectID().Hex())
+}
+
+func resolveAccountCode(account *ledger.Account, fallbackAccountID string) string {
+	if account != nil {
+		if code := strings.TrimSpace(account.AccountCode); code != "" {
+			return code
+		}
+		if code := strings.TrimSpace(account.AccountID); code != "" {
+			return code
+		}
+	}
+	return strings.TrimSpace(fallbackAccountID)
+}

api/gateway/chsettle/internal/service/treasury/validator.go

@@ -0,0 +1,178 @@
+package treasury
+
+import (
+	"context"
+	"math/big"
+	"regexp"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/chsettle/storage"
+	storagemodel "github.com/tech/sendico/gateway/chsettle/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+)
+
+var treasuryAmountPattern = regexp.MustCompile(`^[0-9]+(\.[0-9]+)?$`)
+
+type LimitKind string
+
+const (
+	LimitKindPerOperation LimitKind = "per_operation"
+	LimitKindDaily        LimitKind = "daily"
+)
+
+type LimitError struct {
+	Kind LimitKind
+	Max  string
+}
+
+func (e *LimitError) Error() string {
+	if e == nil {
+		return "limit exceeded"
+	}
+	switch e.Kind {
+	case LimitKindPerOperation:
+		return "max amount per operation exceeded"
+	case LimitKindDaily:
+		return "max daily amount exceeded"
+	default:
+		return "limit exceeded"
+	}
+}
+
+func (e *LimitError) LimitKind() string {
+	if e == nil {
+		return ""
+	}
+	return string(e.Kind)
+}
+
+func (e *LimitError) LimitMax() string {
+	if e == nil {
+		return ""
+	}
+	return e.Max
+}
+
+type Validator struct {
+	repo storage.TreasuryRequestsStore
+
+	maxPerOperation *big.Rat
+	maxDaily        *big.Rat
+
+	maxPerOperationRaw string
+	maxDailyRaw        string
+}
+
+func NewValidator(repo storage.TreasuryRequestsStore, maxPerOperation string, maxDaily string) (*Validator, error) {
+	validator := &Validator{
+		repo:               repo,
+		maxPerOperationRaw: strings.TrimSpace(maxPerOperation),
+		maxDailyRaw:        strings.TrimSpace(maxDaily),
+	}
+	if validator.maxPerOperationRaw != "" {
+		value, err := parseAmountRat(validator.maxPerOperationRaw)
+		if err != nil {
+			return nil, merrors.InvalidArgument("treasury max_amount_per_operation is invalid", "treasury.limits.max_amount_per_operation")
+		}
+		validator.maxPerOperation = value
+	}
+	if validator.maxDailyRaw != "" {
+		value, err := parseAmountRat(validator.maxDailyRaw)
+		if err != nil {
+			return nil, merrors.InvalidArgument("treasury max_daily_amount is invalid", "treasury.limits.max_daily_amount")
+		}
+		validator.maxDaily = value
+	}
+	return validator, nil
+}
+
+func (v *Validator) MaxPerOperation() string {
+	if v == nil {
+		return ""
+	}
+	return v.maxPerOperationRaw
+}
+
+func (v *Validator) MaxDaily() string {
+	if v == nil {
+		return ""
+	}
+	return v.maxDailyRaw
+}
+
+func (v *Validator) ValidateAmount(amount string) (*big.Rat, string, error) {
+	amount = strings.TrimSpace(amount)
+	value, err := parseAmountRat(amount)
+	if err != nil {
+		return nil, "", err
+	}
+	if v != nil && v.maxPerOperation != nil && value.Cmp(v.maxPerOperation) > 0 {
+		return nil, "", &LimitError{
+			Kind: LimitKindPerOperation,
+			Max:  v.maxPerOperationRaw,
+		}
+	}
+	return value, amount, nil
+}
+
+func (v *Validator) ValidateDailyLimit(ctx context.Context, ledgerAccountID string, amount *big.Rat, now time.Time) error {
+	if v == nil || v.maxDaily == nil || v.repo == nil {
+		return nil
+	}
+	if amount == nil {
+		return merrors.InvalidArgument("amount is required", "amount")
+	}
+	dayStart := time.Date(now.UTC().Year(), now.UTC().Month(), now.UTC().Day(), 0, 0, 0, 0, time.UTC)
+	dayEnd := dayStart.Add(24 * time.Hour)
+
+	records, err := v.repo.ListByAccountAndStatuses(
+		ctx,
+		ledgerAccountID,
+		[]storagemodel.TreasuryRequestStatus{
+			storagemodel.TreasuryRequestStatusCreated,
+			storagemodel.TreasuryRequestStatusConfirmed,
+			storagemodel.TreasuryRequestStatusScheduled,
+			storagemodel.TreasuryRequestStatusExecuted,
+		},
+		dayStart,
+		dayEnd,
+	)
+	if err != nil {
+		return err
+	}
+	total := new(big.Rat)
+	for _, record := range records {
+		next, err := parseAmountRat(record.Amount)
+		if err != nil {
+			return merrors.Internal("treasury request amount is invalid")
+		}
+		total.Add(total, next)
+	}
+	total.Add(total, amount)
+	if total.Cmp(v.maxDaily) > 0 {
+		return &LimitError{
+			Kind: LimitKindDaily,
+			Max:  v.maxDailyRaw,
+		}
+	}
+	return nil
+}
+
+func parseAmountRat(value string) (*big.Rat, error) {
+	value = strings.TrimSpace(value)
+	if value == "" {
+		return nil, merrors.InvalidArgument("amount is required", "amount")
+	}
+	if !treasuryAmountPattern.MatchString(value) {
+		return nil, merrors.InvalidArgument("amount format is invalid", "amount")
+	}
+	amount := new(big.Rat)
+	if _, ok := amount.SetString(value); !ok {
+		return nil, merrors.InvalidArgument("amount format is invalid", "amount")
+	}
+	if amount.Sign() <= 0 {
+		return nil, merrors.InvalidArgument("amount must be positive", "amount")
+	}
+	return amount, nil
+}

api/gateway/chsettle/main.go

@@ -0,0 +1,17 @@
+package main
+
+import (
+	"github.com/tech/sendico/gateway/chsettle/internal/appversion"
+	si "github.com/tech/sendico/gateway/chsettle/internal/server"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/server"
+	smain "github.com/tech/sendico/pkg/server/main"
+)
+
+func factory(logger mlogger.Logger, file string, debug bool) (server.Application, error) {
+	return si.Create(logger, file, debug)
+}
+
+func main() {
+	smain.RunServer("gateway", appversion.Create(), factory)
+}

api/gateway/chsettle/storage/model/execution.go

@@ -0,0 +1,65 @@
+package model
+
+import (
+	"time"
+
+	"github.com/tech/sendico/pkg/db/storable"
+	"github.com/tech/sendico/pkg/model"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+)
+
+type PaymentStatus string
+
+const (
+	PaymentStatusCreated    PaymentStatus = "created"    // created
+	PaymentStatusProcessing PaymentStatus = "processing" // processing
+	PaymentStatusWaiting    PaymentStatus = "waiting"    // waiting external action
+	PaymentStatusSuccess    PaymentStatus = "success"    // final success
+	PaymentStatusFailed     PaymentStatus = "failed"     // final failure
+	PaymentStatusCancelled  PaymentStatus = "cancelled"  // cancelled final
+)
+
+type PaymentRecord struct {
+	storable.Base              `bson:",inline" json:",inline"`
+	OperationRef               string              `bson:"operationRef,omitempty" json:"operation_ref,omitempty"`
+	IdempotencyKey             string              `bson:"idempotencyKey,omitempty" json:"idempotency_key,omitempty"`
+	ConfirmationRef            string              `bson:"confirmationRef,omitempty" json:"confirmation_ref,omitempty"`
+	ConfirmationMessageID      string              `bson:"confirmationMessageId,omitempty" json:"confirmation_message_id,omitempty"`
+	ConfirmationReplyMessageID string              `bson:"confirmationReplyMessageId,omitempty" json:"confirmation_reply_message_id,omitempty"`
+	PaymentIntentID            string              `bson:"paymentIntentId,omitempty" json:"payment_intent_id,omitempty"`
+	QuoteRef                   string              `bson:"quoteRef,omitempty" json:"quote_ref,omitempty"`
+	IntentRef                  string              `bson:"intentRef,omitempty" json:"intent_ref,omitempty"`
+	PaymentRef                 string              `bson:"paymentRef,omitempty" json:"payment_ref,omitempty"`
+	Scenario                   string              `bson:"scenario,omitempty" json:"scenario,omitempty"`
+	OutgoingLeg                string              `bson:"outgoingLeg,omitempty" json:"outgoing_leg,omitempty"`
+	TargetChatID               string              `bson:"targetChatId,omitempty" json:"target_chat_id,omitempty"`
+	RequestedMoney             *paymenttypes.Money `bson:"requestedMoney,omitempty" json:"requested_money,omitempty"`
+	ExecutedMoney              *paymenttypes.Money `bson:"executedMoney,omitempty" json:"executed_money,omitempty"`
+	Status                     PaymentStatus       `bson:"status,omitempty" json:"status,omitempty"`
+	FailureReason              string              `bson:"failureReason,omitempty" json:"Failure_reason,omitempty"`
+	ExecutedAt                 time.Time           `bson:"executedAt,omitempty" json:"executed_at,omitempty"`
+	ExpiresAt                  time.Time           `bson:"expiresAt,omitempty" json:"expires_at,omitempty"`
+	ExpiredAt                  time.Time           `bson:"expiredAt,omitempty" json:"expired_at,omitempty"`
+}
+
+type TelegramConfirmation struct {
+	storable.Base   `bson:",inline" json:",inline"`
+	RequestID       string                 `bson:"requestId,omitempty" json:"request_id,omitempty"`
+	PaymentIntentID string                 `bson:"paymentIntentId,omitempty" json:"payment_intent_id,omitempty"`
+	QuoteRef        string                 `bson:"quoteRef,omitempty" json:"quote_ref,omitempty"`
+	RawReply        *model.TelegramMessage `bson:"rawReply,omitempty" json:"raw_reply,omitempty"`
+	ReceivedAt      time.Time              `bson:"receivedAt,omitempty" json:"received_at,omitempty"`
+}
+
+type PendingConfirmation struct {
+	storable.Base   `bson:",inline" json:",inline"`
+	RequestID       string              `bson:"requestId,omitempty" json:"request_id,omitempty"`
+	MessageID       string              `bson:"messageId,omitempty" json:"message_id,omitempty"`
+	TargetChatID    string              `bson:"targetChatId,omitempty" json:"target_chat_id,omitempty"`
+	AcceptedUserIDs []string            `bson:"acceptedUserIds,omitempty" json:"accepted_user_ids,omitempty"`
+	RequestedMoney  *paymenttypes.Money `bson:"requestedMoney,omitempty" json:"requested_money,omitempty"`
+	SourceService   string              `bson:"sourceService,omitempty" json:"source_service,omitempty"`
+	Rail            string              `bson:"rail,omitempty" json:"rail,omitempty"`
+	Clarified       bool                `bson:"clarified,omitempty" json:"clarified,omitempty"`
+	ExpiresAt       time.Time           `bson:"expiresAt,omitempty" json:"expires_at,omitempty"`
+}

api/gateway/chsettle/storage/model/storable.go

@@ -0,0 +1,29 @@
+package model
+
+const (
+	paymentsCollection              = "payments"
+	telegramConfirmationsCollection = "telegram_confirmations"
+	pendingConfirmationsCollection  = "pending_confirmations"
+	treasuryRequestsCollection      = "treasury_requests"
+	treasuryTelegramUsersCollection = "treasury_telegram_users"
+)
+
+func (*PaymentRecord) Collection() string {
+	return paymentsCollection
+}
+
+func (*TelegramConfirmation) Collection() string {
+	return telegramConfirmationsCollection
+}
+
+func (*PendingConfirmation) Collection() string {
+	return pendingConfirmationsCollection
+}
+
+func (*TreasuryRequest) Collection() string {
+	return treasuryRequestsCollection
+}
+
+func (*TreasuryTelegramUser) Collection() string {
+	return treasuryTelegramUsersCollection
+}