Added PostHog

Reviewed-on: #51

.woodpecker/mntx_gateway.yml

@@ -0,0 +1,74 @@
+matrix:
+  include:
+    - MNTX_GATEWAY_IMAGE_PATH: gateway/mntx
+      MNTX_GATEWAY_DOCKERFILE: ci/prod/compose/mntx_gateway.dockerfile
+      MNTX_GATEWAY_ENV: prod
+      MNTX_GATEWAY_MONETIX_SECRET_PATH: sendico/gateway/monetix
+      MNTX_GATEWAY_NATS_SECRET_PATH: sendico/nats
+
+when:
+  - event: push
+    branch: main
+
+steps:
+  - name: version
+    image: alpine:latest
+    commands:
+      - set -euo pipefail 2>/dev/null || set -eu
+      - apk add --no-cache git
+      - GIT_REV="$(git rev-parse --short HEAD)"
+      - BUILD_BRANCH="$(git rev-parse --abbrev-ref HEAD)"
+      - APP_V="$(cat version)"
+      - BUILD_DATE="$(date -u +%Y-%m-%dT%H:%M:%SZ)"
+      - BUILD_USER="${WOODPECKER_MACHINE:-woodpecker}"
+      - printf "GIT_REV=%s\nBUILD_BRANCH=%s\nAPP_V=%s\nBUILD_DATE=%s\nBUILD_USER=%s\n" \
+          "$GIT_REV" "$BUILD_BRANCH" "$APP_V" "$BUILD_DATE" "$BUILD_USER" | tee .env.version
+
+  - name: proto
+    image: golang:alpine
+    depends_on: [ version ]
+    commands:
+      - set -eu
+      - apk add --no-cache bash git build-base protoc protobuf-dev
+      - go install google.golang.org/protobuf/cmd/protoc-gen-go@latest
+      - go install google.golang.org/grpc/cmd/protoc-gen-go-grpc@latest
+      - export PATH="$(go env GOPATH)/bin:$PATH"
+      - bash ci/scripts/proto/generate.sh
+
+  - name: secrets
+    image: alpine:latest
+    depends_on: [ version ]
+    environment:
+      VAULT_ADDR: { from_secret: VAULT_ADDR }
+      VAULT_ROLE_ID:   { from_secret: VAULT_APP_ROLE }
+      VAULT_SECRET_ID: { from_secret: VAULT_SECRET_ID }
+    commands:
+      - set -euo pipefail
+      - apk add --no-cache bash coreutils openssh-keygen curl sed python3
+      - mkdir -p secrets
+      - ./ci/vlt kv_to_file kv ops/deploy/ssh_key private_b64 secrets/SSH_KEY.b64 600
+      - base64 -d secrets/SSH_KEY.b64 > secrets/SSH_KEY
+      - chmod 600 secrets/SSH_KEY
+      - ssh-keygen -y -f secrets/SSH_KEY >/dev/null
+      - ./ci/vlt kv_get kv registry user > secrets/REGISTRY_USER
+      - ./ci/vlt kv_get kv registry password > secrets/REGISTRY_PASSWORD
+
+  - name: build-image
+    image: gcr.io/kaniko-project/executor:debug
+    depends_on: [ proto, secrets ]
+    commands:
+      - sh ci/scripts/mntx/build-image.sh
+
+  - name: deploy
+    image: alpine:latest
+    depends_on: [ secrets, build-image ]
+    environment:
+      VAULT_ADDR: { from_secret: VAULT_ADDR }
+      VAULT_ROLE_ID:   { from_secret: VAULT_APP_ROLE }
+      VAULT_SECRET_ID: { from_secret: VAULT_SECRET_ID }
+    commands:
+      - set -euo pipefail
+      - apk add --no-cache bash openssh-client rsync coreutils curl sed python3
+      - mkdir -p /root/.ssh
+      - install -m 600 secrets/SSH_KEY /root/.ssh/id_rsa
+      - sh ci/scripts/mntx/deploy.sh

api/billing/fees/go.mod

@@ -18,7 +18,7 @@ require (
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -44,11 +44,11 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
 	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 	google.golang.org/protobuf v1.36.10
 )

api/billing/fees/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -176,35 +176,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=

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

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

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

@@ -0,0 +1,442 @@
+package calculator
+
+import (
+	"context"
+	"errors"
+	"math/big"
+	"sort"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/billing/fees/internal/service/fees/types"
+	"github.com/tech/sendico/billing/fees/storage/model"
+	oracleclient "github.com/tech/sendico/fx/oracle/client"
+	dmath "github.com/tech/sendico/pkg/decimal"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	accountingv1 "github.com/tech/sendico/pkg/proto/common/accounting/v1"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	tracev1 "github.com/tech/sendico/pkg/proto/common/trace/v1"
+	"go.uber.org/zap"
+)
+
+// fxOracle captures the oracle dependency for FX conversions.
+type fxOracle interface {
+	LatestRate(ctx context.Context, req oracleclient.LatestRateParams) (*oracleclient.RateSnapshot, error)
+}
+
+// New constructs the default calculator implementation.
+func New(logger mlogger.Logger, oracle fxOracle) *quoteCalculator {
+	if logger == nil {
+		logger = zap.NewNop()
+	}
+	return &quoteCalculator{
+		logger: logger.Named("calculator"),
+		oracle: oracle,
+	}
+}
+
+type quoteCalculator struct {
+	logger mlogger.Logger
+	oracle fxOracle
+}
+
+func (c *quoteCalculator) Compute(ctx context.Context, plan *model.FeePlan, intent *feesv1.Intent, bookedAt time.Time, _ *tracev1.TraceContext) (*types.CalculationResult, error) {
+	if plan == nil {
+		return nil, merrors.InvalidArgument("plan is required")
+	}
+	if intent == nil {
+		return nil, merrors.InvalidArgument("intent is required")
+	}
+
+	trigger := convertTrigger(intent.GetTrigger())
+	if trigger == model.TriggerUnspecified {
+		return nil, merrors.InvalidArgument("unsupported trigger")
+	}
+
+	baseAmount, err := dmath.RatFromString(intent.GetBaseAmount().GetAmount())
+	if err != nil {
+		return nil, merrors.InvalidArgument("invalid base amount")
+	}
+	if baseAmount.Sign() < 0 {
+		return nil, merrors.InvalidArgument("base amount cannot be negative")
+	}
+
+	baseScale := inferScale(intent.GetBaseAmount().GetAmount())
+
+	rules := make([]model.FeeRule, len(plan.Rules))
+	copy(rules, plan.Rules)
+	sort.SliceStable(rules, func(i, j int) bool {
+		if rules[i].Priority == rules[j].Priority {
+			return rules[i].RuleID < rules[j].RuleID
+		}
+		return rules[i].Priority < rules[j].Priority
+	})
+
+	lines := make([]*feesv1.DerivedPostingLine, 0, len(rules))
+	applied := make([]*feesv1.AppliedRule, 0, len(rules))
+
+	planID := ""
+	if planRef := plan.GetID(); planRef != nil && !planRef.IsZero() {
+		planID = planRef.Hex()
+	}
+
+	for _, rule := range rules {
+		if !shouldApplyRule(rule, trigger, intent.GetAttributes(), bookedAt) {
+			continue
+		}
+
+		ledgerAccountRef := strings.TrimSpace(rule.LedgerAccountRef)
+		if ledgerAccountRef == "" {
+			c.logger.Warn("fee rule missing ledger account reference", zap.String("rule_id", rule.RuleID))
+			continue
+		}
+
+		amount, scale, calcErr := c.calculateRuleAmount(baseAmount, baseScale, rule)
+		if calcErr != nil {
+			if !errors.Is(calcErr, merrors.ErrInvalidArg) {
+				c.logger.Warn("failed to calculate fee rule amount", zap.String("rule_id", rule.RuleID), zap.Error(calcErr))
+			}
+			continue
+		}
+		if amount.Sign() == 0 {
+			continue
+		}
+
+		currency := intent.GetBaseAmount().GetCurrency()
+		if override := strings.TrimSpace(rule.Currency); override != "" {
+			currency = override
+		}
+
+		entrySide := mapEntrySide(rule.EntrySide)
+		if entrySide == accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED {
+			entrySide = accountingv1.EntrySide_ENTRY_SIDE_CREDIT
+		}
+
+		meta := map[string]string{
+			"fee_rule_id": rule.RuleID,
+		}
+		if planID != "" {
+			meta["fee_plan_id"] = planID
+		}
+		if rule.Metadata != nil {
+			if taxCode := strings.TrimSpace(rule.Metadata["tax_code"]); taxCode != "" {
+				meta["tax_code"] = taxCode
+			}
+			if taxRate := strings.TrimSpace(rule.Metadata["tax_rate"]); taxRate != "" {
+				meta["tax_rate"] = taxRate
+			}
+		}
+
+		lines = append(lines, &feesv1.DerivedPostingLine{
+			LedgerAccountRef: ledgerAccountRef,
+			Money: &moneyv1.Money{
+				Amount:   dmath.FormatRat(amount, scale),
+				Currency: currency,
+			},
+			LineType: mapLineType(rule.LineType),
+			Side:     entrySide,
+			Meta:     meta,
+		})
+
+		applied = append(applied, &feesv1.AppliedRule{
+			RuleId:      rule.RuleID,
+			RuleVersion: planID,
+			Formula:     rule.Formula,
+			Rounding:    mapRoundingMode(rule.Rounding),
+			TaxCode:     metadataValue(rule.Metadata, "tax_code"),
+			TaxRate:     metadataValue(rule.Metadata, "tax_rate"),
+			Parameters:  cloneStringMap(rule.Metadata),
+		})
+	}
+
+	var fxUsed *feesv1.FXUsed
+	if trigger == model.TriggerFXConversion && c.oracle != nil {
+		fxUsed = c.buildFxUsed(ctx, intent)
+	}
+
+	return &types.CalculationResult{
+		Lines:   lines,
+		Applied: applied,
+		FxUsed:  fxUsed,
+	}, nil
+}
+
+func (c *quoteCalculator) calculateRuleAmount(baseAmount *big.Rat, baseScale uint32, rule model.FeeRule) (*big.Rat, uint32, error) {
+	scale, err := resolveRuleScale(rule, baseScale)
+	if err != nil {
+		return nil, 0, err
+	}
+
+	result := new(big.Rat)
+
+	if percentage := strings.TrimSpace(rule.Percentage); percentage != "" {
+		percentageRat, perr := dmath.RatFromString(percentage)
+		if perr != nil {
+			return nil, 0, merrors.InvalidArgument("invalid percentage")
+		}
+		result = dmath.AddRat(result, dmath.MulRat(baseAmount, percentageRat))
+	}
+
+	if fixed := strings.TrimSpace(rule.FixedAmount); fixed != "" {
+		fixedRat, ferr := dmath.RatFromString(fixed)
+		if ferr != nil {
+			return nil, 0, merrors.InvalidArgument("invalid fixed amount")
+		}
+		result = dmath.AddRat(result, fixedRat)
+	}
+
+	if minStr := strings.TrimSpace(rule.MinimumAmount); minStr != "" {
+		minRat, merr := dmath.RatFromString(minStr)
+		if merr != nil {
+			return nil, 0, merrors.InvalidArgument("invalid minimum amount")
+		}
+		if dmath.CmpRat(result, minRat) < 0 {
+			result = new(big.Rat).Set(minRat)
+		}
+	}
+
+	if maxStr := strings.TrimSpace(rule.MaximumAmount); maxStr != "" {
+		maxRat, merr := dmath.RatFromString(maxStr)
+		if merr != nil {
+			return nil, 0, merrors.InvalidArgument("invalid maximum amount")
+		}
+		if dmath.CmpRat(result, maxRat) > 0 {
+			result = new(big.Rat).Set(maxRat)
+		}
+	}
+
+	if result.Sign() < 0 {
+		result = new(big.Rat).Abs(result)
+	}
+
+	rounded, rerr := dmath.RoundRatToScale(result, scale, toDecimalRounding(rule.Rounding))
+	if rerr != nil {
+		return nil, 0, rerr
+	}
+
+	return rounded, scale, nil
+}
+
+const (
+	attrFxBaseCurrency  = "fx_base_currency"
+	attrFxQuoteCurrency = "fx_quote_currency"
+	attrFxProvider      = "fx_provider"
+	attrFxSide          = "fx_side"
+	attrFxRateOverride  = "fx_rate"
+)
+
+func (c *quoteCalculator) buildFxUsed(ctx context.Context, intent *feesv1.Intent) *feesv1.FXUsed {
+	if intent == nil || c.oracle == nil {
+		return nil
+	}
+
+	attrs := intent.GetAttributes()
+	base := strings.TrimSpace(attrs[attrFxBaseCurrency])
+	quote := strings.TrimSpace(attrs[attrFxQuoteCurrency])
+	if base == "" || quote == "" {
+		return nil
+	}
+
+	pair := &fxv1.CurrencyPair{Base: base, Quote: quote}
+	provider := strings.TrimSpace(attrs[attrFxProvider])
+
+	snapshot, err := c.oracle.LatestRate(ctx, oracleclient.LatestRateParams{
+		Meta:     oracleclient.RequestMeta{},
+		Pair:     pair,
+		Provider: provider,
+	})
+	if err != nil {
+		c.logger.Warn("fees: failed to fetch FX context", zap.Error(err))
+		return nil
+	}
+	if snapshot == nil {
+		return nil
+	}
+
+	rateValue := strings.TrimSpace(attrs[attrFxRateOverride])
+	if rateValue == "" {
+		rateValue = snapshot.Mid
+	}
+	if rateValue == "" {
+		rateValue = snapshot.Ask
+	}
+	if rateValue == "" {
+		rateValue = snapshot.Bid
+	}
+
+	return &feesv1.FXUsed{
+		Pair:       pair,
+		Side:       parseFxSide(strings.TrimSpace(attrs[attrFxSide])),
+		Rate:       &moneyv1.Decimal{Value: rateValue},
+		AsofUnixMs: snapshot.AsOf.UnixMilli(),
+		Provider:   snapshot.Provider,
+		RateRef:    snapshot.RateRef,
+		SpreadBps:  &moneyv1.Decimal{Value: snapshot.SpreadBps},
+	}
+}
+
+func parseFxSide(value string) fxv1.Side {
+	switch strings.ToLower(value) {
+	case "buy_base", "buy_base_sell_quote", "buy":
+		return fxv1.Side_BUY_BASE_SELL_QUOTE
+	case "sell_base", "sell_base_buy_quote", "sell":
+		return fxv1.Side_SELL_BASE_BUY_QUOTE
+	default:
+		return fxv1.Side_SIDE_UNSPECIFIED
+	}
+}
+
+func inferScale(amount string) uint32 {
+	value := strings.TrimSpace(amount)
+	if value == "" {
+		return 0
+	}
+	if idx := strings.IndexAny(value, "eE"); idx >= 0 {
+		value = value[:idx]
+	}
+	if strings.HasPrefix(value, "+") || strings.HasPrefix(value, "-") {
+		value = value[1:]
+	}
+	if dot := strings.IndexByte(value, '.'); dot >= 0 {
+		return uint32(len(value[dot+1:]))
+	}
+	return 0
+}
+
+func shouldApplyRule(rule model.FeeRule, trigger model.Trigger, attributes map[string]string, bookedAt time.Time) bool {
+	if rule.Trigger != trigger {
+		return false
+	}
+	if rule.EffectiveFrom.After(bookedAt) {
+		return false
+	}
+	if rule.EffectiveTo != nil && rule.EffectiveTo.Before(bookedAt) {
+		return false
+	}
+	return ruleMatchesAttributes(rule, attributes)
+}
+
+func resolveRuleScale(rule model.FeeRule, fallback uint32) (uint32, error) {
+	if rule.Metadata != nil {
+		for _, field := range []string{"scale", "decimals", "precision"} {
+			if value, ok := rule.Metadata[field]; ok && strings.TrimSpace(value) != "" {
+				return parseScale(field, value)
+			}
+		}
+	}
+	return fallback, nil
+}
+
+func parseScale(field, value string) (uint32, error) {
+	clean := strings.TrimSpace(value)
+	if clean == "" {
+		return 0, merrors.InvalidArgument(field + " is empty")
+	}
+	parsed, err := strconv.ParseUint(clean, 10, 32)
+	if err != nil {
+		return 0, merrors.InvalidArgument("invalid " + field + " value")
+	}
+	return uint32(parsed), nil
+}
+
+func metadataValue(meta map[string]string, key string) string {
+	if meta == nil {
+		return ""
+	}
+	return strings.TrimSpace(meta[key])
+}
+
+func cloneStringMap(src map[string]string) map[string]string {
+	if len(src) == 0 {
+		return nil
+	}
+	cloned := make(map[string]string, len(src))
+	for k, v := range src {
+		cloned[k] = v
+	}
+	return cloned
+}
+
+func ruleMatchesAttributes(rule model.FeeRule, attributes map[string]string) bool {
+	if len(rule.AppliesTo) == 0 {
+		return true
+	}
+	for key, value := range rule.AppliesTo {
+		if attributes == nil {
+			return false
+		}
+		if attrValue, ok := attributes[key]; !ok || attrValue != value {
+			return false
+		}
+	}
+	return true
+}
+
+func mapLineType(lineType string) accountingv1.PostingLineType {
+	switch strings.ToLower(lineType) {
+	case "tax":
+		return accountingv1.PostingLineType_POSTING_LINE_TAX
+	case "spread":
+		return accountingv1.PostingLineType_POSTING_LINE_SPREAD
+	case "reversal":
+		return accountingv1.PostingLineType_POSTING_LINE_REVERSAL
+	default:
+		return accountingv1.PostingLineType_POSTING_LINE_FEE
+	}
+}
+
+func mapEntrySide(entrySide string) accountingv1.EntrySide {
+	switch strings.ToLower(entrySide) {
+	case "debit":
+		return accountingv1.EntrySide_ENTRY_SIDE_DEBIT
+	case "credit":
+		return accountingv1.EntrySide_ENTRY_SIDE_CREDIT
+	default:
+		return accountingv1.EntrySide_ENTRY_SIDE_UNSPECIFIED
+	}
+}
+
+func toDecimalRounding(mode string) dmath.RoundingMode {
+	switch strings.ToLower(strings.TrimSpace(mode)) {
+	case "half_up":
+		return dmath.RoundingModeHalfUp
+	case "down":
+		return dmath.RoundingModeDown
+	case "half_even", "bankers":
+		return dmath.RoundingModeHalfEven
+	default:
+		return dmath.RoundingModeHalfEven
+	}
+}
+
+func mapRoundingMode(mode string) moneyv1.RoundingMode {
+	switch strings.ToLower(mode) {
+	case "half_up":
+		return moneyv1.RoundingMode_ROUND_HALF_UP
+	case "down":
+		return moneyv1.RoundingMode_ROUND_DOWN
+	default:
+		return moneyv1.RoundingMode_ROUND_HALF_EVEN
+	}
+}
+
+func convertTrigger(trigger feesv1.Trigger) model.Trigger {
+	switch trigger {
+	case feesv1.Trigger_TRIGGER_CAPTURE:
+		return model.TriggerCapture
+	case feesv1.Trigger_TRIGGER_REFUND:
+		return model.TriggerRefund
+	case feesv1.Trigger_TRIGGER_DISPUTE:
+		return model.TriggerDispute
+	case feesv1.Trigger_TRIGGER_PAYOUT:
+		return model.TriggerPayout
+	case feesv1.Trigger_TRIGGER_FX_CONVERSION:
+		return model.TriggerFXConversion
+	default:
+		return model.TriggerUnspecified
+	}
+}

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

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

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

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

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

@@ -0,0 +1,315 @@
+package resolver
+
+import (
+	"context"
+	"errors"
+	"testing"
+	"time"
+
+	"github.com/tech/sendico/billing/fees/storage"
+	"github.com/tech/sendico/billing/fees/storage/model"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+func TestResolver_GlobalFallbackWhenOrgMissing(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	globalPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "global_capture", Trigger: model.TriggerCapture, Priority: 5, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{globalPlan}}
+	resolver := New(store, zap.NewNop())
+
+	orgA := primitive.NewObjectID()
+	plan, rule, err := resolver.ResolveFeeRule(context.Background(), &orgA, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected fallback to global, got error: %v", err)
+	}
+	if !plan.GetOrganizationRef().IsZero() {
+		t.Fatalf("expected global plan, got orgRef %s", plan.GetOrganizationRef().Hex())
+	}
+	if rule.RuleID != "global_capture" {
+		t.Fatalf("unexpected rule selected: %s", rule.RuleID)
+	}
+}
+
+func TestResolver_OrgOverridesGlobal(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	org := primitive.NewObjectID()
+	globalPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "global_capture", Trigger: model.TriggerCapture, Priority: 5, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	orgPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "org_capture", Trigger: model.TriggerCapture, Priority: 10, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	orgPlan.SetOrganizationRef(org)
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{globalPlan, orgPlan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected org plan rule, got error: %v", err)
+	}
+	if rule.RuleID != "org_capture" {
+		t.Fatalf("expected org rule, got %s", rule.RuleID)
+	}
+
+	otherOrg := primitive.NewObjectID()
+	_, rule, err = resolver.ResolveFeeRule(context.Background(), &otherOrg, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected global fallback for other org, got error: %v", err)
+	}
+	if rule.RuleID != "global_capture" {
+		t.Fatalf("expected global rule, got %s", rule.RuleID)
+	}
+}
+
+func TestResolver_SelectsHighestPriority(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	org := primitive.NewObjectID()
+	plan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "low", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+			{RuleID: "high", Trigger: model.TriggerCapture, Priority: 200, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	plan.SetOrganizationRef(org)
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{plan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected rule resolution, got error: %v", err)
+	}
+	if rule.RuleID != "high" {
+		t.Fatalf("expected highest priority rule, got %s", rule.RuleID)
+	}
+
+	plan.Rules = append(plan.Rules, model.FeeRule{
+		RuleID:        "conflict",
+		Trigger:       model.TriggerCapture,
+		Priority:      200,
+		Percentage:    "0.02",
+		EffectiveFrom: now.Add(-time.Hour),
+	})
+
+	if _, _, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil); !errors.Is(err, ErrConflictingFeeRules) {
+		t.Fatalf("expected conflicting fee rules error, got %v", err)
+	}
+}
+
+func TestResolver_EffectiveDateFiltering(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	org := primitive.NewObjectID()
+	past := now.Add(-24 * time.Hour)
+	future := now.Add(24 * time.Hour)
+
+	orgPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: past,
+		Rules: []model.FeeRule{
+			{RuleID: "expired", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: past, EffectiveTo: &past},
+		},
+	}
+	orgPlan.SetOrganizationRef(org)
+
+	globalPlan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: past,
+		Rules: []model.FeeRule{
+			{RuleID: "current", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: past, EffectiveTo: &future},
+		},
+	}
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{orgPlan, globalPlan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil)
+	if err != nil {
+		t.Fatalf("expected fallback to global, got error: %v", err)
+	}
+	if rule.RuleID != "current" {
+		t.Fatalf("expected current global rule, got %s", rule.RuleID)
+	}
+}
+
+func TestResolver_AppliesToFiltering(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	plan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "card", Trigger: model.TriggerCapture, Priority: 200, Percentage: "0.03", AppliesTo: map[string]string{"paymentMethod": "card"}, EffectiveFrom: now.Add(-time.Hour)},
+			{RuleID: "default", Trigger: model.TriggerCapture, Priority: 100, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	store := &memoryPlansStore{plans: []*model.FeePlan{plan}}
+	resolver := New(store, zap.NewNop())
+
+	_, rule, err := resolver.ResolveFeeRule(context.Background(), nil, model.TriggerCapture, now, map[string]string{"paymentMethod": "card"})
+	if err != nil {
+		t.Fatalf("expected card rule, got error: %v", err)
+	}
+	if rule.RuleID != "card" {
+		t.Fatalf("expected card rule, got %s", rule.RuleID)
+	}
+
+	_, rule, err = resolver.ResolveFeeRule(context.Background(), nil, model.TriggerCapture, now, map[string]string{"paymentMethod": "bank"})
+	if err != nil {
+		t.Fatalf("expected default rule, got error: %v", err)
+	}
+	if rule.RuleID != "default" {
+		t.Fatalf("expected default rule, got %s", rule.RuleID)
+	}
+}
+
+func TestResolver_MissingTriggerReturnsErr(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	plan := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "capture", Trigger: model.TriggerCapture, Priority: 10, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	store := &memoryPlansStore{plans: []*model.FeePlan{plan}}
+	resolver := New(store, zap.NewNop())
+
+	if _, _, err := resolver.ResolveFeeRule(context.Background(), nil, model.TriggerRefund, now, nil); !errors.Is(err, ErrNoFeeRuleFound) {
+		t.Fatalf("expected ErrNoFeeRuleFound, got %v", err)
+	}
+}
+
+func TestResolver_MultipleActivePlansConflict(t *testing.T) {
+	t.Helper()
+
+	now := time.Now()
+	org := primitive.NewObjectID()
+	p1 := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{RuleID: "r1", Trigger: model.TriggerCapture, Priority: 10, Percentage: "0.05", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	p1.SetOrganizationRef(org)
+	p2 := &model.FeePlan{
+		Active:        true,
+		EffectiveFrom: now.Add(-30 * time.Minute),
+		Rules: []model.FeeRule{
+			{RuleID: "r2", Trigger: model.TriggerCapture, Priority: 20, Percentage: "0.03", EffectiveFrom: now.Add(-time.Hour)},
+		},
+	}
+	p2.SetOrganizationRef(org)
+
+	store := &memoryPlansStore{plans: []*model.FeePlan{p1, p2}}
+	resolver := New(store, zap.NewNop())
+
+	if _, _, err := resolver.ResolveFeeRule(context.Background(), &org, model.TriggerCapture, now, nil); !errors.Is(err, storage.ErrConflictingFeePlans) {
+		t.Fatalf("expected conflicting plans error, got %v", err)
+	}
+}
+
+type memoryPlansStore struct {
+	plans []*model.FeePlan
+}
+
+func (m *memoryPlansStore) Create(context.Context, *model.FeePlan) error { return nil }
+func (m *memoryPlansStore) Update(context.Context, *model.FeePlan) error { return nil }
+func (m *memoryPlansStore) Get(context.Context, primitive.ObjectID) (*model.FeePlan, error) {
+	return nil, storage.ErrFeePlanNotFound
+}
+
+func (m *memoryPlansStore) GetActivePlan(ctx context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
+	if !orgRef.IsZero() {
+		if plan, err := m.FindActiveOrgPlan(ctx, orgRef, at); err == nil {
+			return plan, nil
+		} else if !errors.Is(err, storage.ErrFeePlanNotFound) {
+			return nil, err
+		}
+	}
+	return m.FindActiveGlobalPlan(ctx, at)
+}
+
+func (m *memoryPlansStore) FindActiveOrgPlan(_ context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
+	var matches []*model.FeePlan
+	for _, plan := range m.plans {
+		if plan == nil || plan.GetOrganizationRef() != orgRef {
+			continue
+		}
+		if !plan.Active {
+			continue
+		}
+		if plan.EffectiveFrom.After(at) {
+			continue
+		}
+		if plan.EffectiveTo != nil && !plan.EffectiveTo.After(at) {
+			continue
+		}
+		matches = append(matches, plan)
+	}
+	if len(matches) == 0 {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if len(matches) > 1 {
+		return nil, storage.ErrConflictingFeePlans
+	}
+	return matches[0], nil
+}
+
+func (m *memoryPlansStore) FindActiveGlobalPlan(_ context.Context, at time.Time) (*model.FeePlan, error) {
+	var matches []*model.FeePlan
+	for _, plan := range m.plans {
+		if plan == nil || !plan.GetOrganizationRef().IsZero() {
+			continue
+		}
+		if !plan.Active {
+			continue
+		}
+		if plan.EffectiveFrom.After(at) {
+			continue
+		}
+		if plan.EffectiveTo != nil && !plan.EffectiveTo.After(at) {
+			continue
+		}
+		matches = append(matches, plan)
+	}
+	if len(matches) == 0 {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if len(matches) > 1 {
+		return nil, storage.ErrConflictingFeePlans
+	}
+	return matches[0], nil
+}
+
+var _ storage.PlansStore = (*memoryPlansStore)(nil)

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

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

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

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

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

@@ -8,7 +8,10 @@ import (
 	"strings"
 	"time"
 
+	internalcalculator "github.com/tech/sendico/billing/fees/internal/service/fees/internal/calculator"
+	"github.com/tech/sendico/billing/fees/internal/service/fees/internal/resolver"
 	"github.com/tech/sendico/billing/fees/storage"
+	"github.com/tech/sendico/billing/fees/storage/model"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
 	"github.com/tech/sendico/pkg/api/routers"
 	clockpkg "github.com/tech/sendico/pkg/clock"
@@ -32,6 +35,7 @@ type Service struct {
 	clock      clockpkg.Clock
 	calculator Calculator
 	oracle     oracleclient.Client
+	resolver   FeeResolver
 	feesv1.UnimplementedFeeEngineServer
 }
 
@@ -52,7 +56,10 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 		svc.clock = clockpkg.NewSystem()
 	}
 	if svc.calculator == nil {
-		svc.calculator = newQuoteCalculator(svc.logger, svc.oracle)
+		svc.calculator = internalcalculator.New(svc.logger, svc.oracle)
+	}
+	if svc.resolver == nil {
+		svc.resolver = resolver.New(repo.Plans(), svc.logger)
 	}
 
 	return svc
@@ -273,15 +280,34 @@ func (s *Service) computeQuoteWithTime(ctx context.Context, orgRef primitive.Obj
 		bookedAt = intent.GetBookedAt().AsTime()
 	}
 
-	plan, err := s.storage.Plans().GetActivePlan(ctx, orgRef, bookedAt)
+	var orgPtr *primitive.ObjectID
-	if err != nil {
+	if !orgRef.IsZero() {
-		if errors.Is(err, storage.ErrFeePlanNotFound) {
+		orgPtr = &orgRef
-			return nil, nil, nil, status.Error(codes.NotFound, "fee plan not found")
-		}
-		s.logger.Warn("failed to load active fee plan", zap.Error(err))
-		return nil, nil, nil, status.Error(codes.Internal, "failed to load fee plan")
 	}
 
+	plan, rule, err := s.resolver.ResolveFeeRule(ctx, orgPtr, convertTrigger(intent.GetTrigger()), bookedAt, intent.GetAttributes())
+	if err != nil {
+		switch {
+	case errors.Is(err, merrors.ErrNoData):
+			return nil, nil, nil, status.Error(codes.NotFound, "fee rule not found")
+		case errors.Is(err, merrors.ErrDataConflict):
+			return nil, nil, nil, status.Error(codes.FailedPrecondition, "conflicting fee rules")
+		case errors.Is(err, storage.ErrConflictingFeePlans):
+			return nil, nil, nil, status.Error(codes.FailedPrecondition, "conflicting fee plans")
+		case errors.Is(err, storage.ErrFeePlanNotFound):
+			return nil, nil, nil, status.Error(codes.NotFound, "fee plan not found")
+		default:
+			s.logger.Warn("failed to resolve fee rule", zap.Error(err))
+			return nil, nil, nil, status.Error(codes.Internal, "failed to resolve fee rule")
+		}
+	}
+
+	originalRules := plan.Rules
+	plan.Rules = []model.FeeRule{*rule}
+	defer func() {
+		plan.Rules = originalRules
+	}()
+
 	result, calcErr := s.calculator.Compute(ctx, plan, intent, bookedAt, trace)
 	if calcErr != nil {
 		if errors.Is(calcErr, merrors.ErrInvalidArg) {

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

@@ -2,9 +2,11 @@ package fees
 
 import (
 	"context"
+	"errors"
 	"testing"
 	"time"
 
+	"github.com/tech/sendico/billing/fees/internal/service/fees/types"
 	"github.com/tech/sendico/billing/fees/storage"
 	"github.com/tech/sendico/billing/fees/storage/model"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
@@ -263,11 +265,21 @@ func TestQuoteFees_UsesInjectedCalculator(t *testing.T) {
 	plan := &model.FeePlan{
 		Active:        true,
 		EffectiveFrom: now.Add(-time.Hour),
+		Rules: []model.FeeRule{
+			{
+				RuleID:           "stub",
+				Trigger:          model.TriggerCapture,
+				Priority:         1,
+				Percentage:       "0.01",
+				LedgerAccountRef: "acct:stub",
+				EffectiveFrom:    now.Add(-time.Hour),
+			},
+		},
 	}
 	plan.SetID(primitive.NewObjectID())
 	plan.SetOrganizationRef(orgRef)
 
-	result := &CalculationResult{
+	result := &types.CalculationResult{
 		Lines: []*feesv1.DerivedPostingLine{
 			{
 				LedgerAccountRef: "acct:stub",
@@ -409,7 +421,8 @@ func (s *stubRepository) Plans() storage.PlansStore {
 }
 
 type stubPlansStore struct {
-	plan *model.FeePlan
+	plan       *model.FeePlan
+	globalPlan *model.FeePlan
 }
 
 func (s *stubPlansStore) Create(context.Context, *model.FeePlan) error {
@@ -425,6 +438,17 @@ func (s *stubPlansStore) Get(context.Context, primitive.ObjectID) (*model.FeePla
 }
 
 func (s *stubPlansStore) GetActivePlan(_ context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
+	if !orgRef.IsZero() {
+		if plan, err := s.FindActiveOrgPlan(context.Background(), orgRef, at); err == nil {
+			return plan, nil
+		} else if !errors.Is(err, storage.ErrFeePlanNotFound) {
+			return nil, err
+		}
+	}
+	return s.FindActiveGlobalPlan(context.Background(), at)
+}
+
+func (s *stubPlansStore) FindActiveOrgPlan(_ context.Context, orgRef primitive.ObjectID, at time.Time) (*model.FeePlan, error) {
 	if s.plan == nil {
 		return nil, storage.ErrFeePlanNotFound
 	}
@@ -434,15 +458,31 @@ func (s *stubPlansStore) GetActivePlan(_ context.Context, orgRef primitive.Objec
 	if !s.plan.Active {
 		return nil, storage.ErrFeePlanNotFound
 	}
-	if !s.plan.EffectiveFrom.Before(at) && !s.plan.EffectiveFrom.Equal(at) {
+	if s.plan.EffectiveFrom.After(at) {
 		return nil, storage.ErrFeePlanNotFound
 	}
-	if s.plan.EffectiveTo != nil && s.plan.EffectiveTo.Before(at) {
+	if s.plan.EffectiveTo != nil && !s.plan.EffectiveTo.After(at) {
 		return nil, storage.ErrFeePlanNotFound
 	}
 	return s.plan, nil
 }
 
+func (s *stubPlansStore) FindActiveGlobalPlan(_ context.Context, at time.Time) (*model.FeePlan, error) {
+	if s.globalPlan == nil {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if !s.globalPlan.Active {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if s.globalPlan.EffectiveFrom.After(at) {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	if s.globalPlan.EffectiveTo != nil && !s.globalPlan.EffectiveTo.After(at) {
+		return nil, storage.ErrFeePlanNotFound
+	}
+	return s.globalPlan, nil
+}
+
 type noopProducer struct{}
 
 func (noopProducer) SendMessage(me.Envelope) error {
@@ -458,14 +498,14 @@ func (f fixedClock) Now() time.Time {
 }
 
 type stubCalculator struct {
-	result   *CalculationResult
+	result   *types.CalculationResult
 	err      error
 	called   bool
 	gotPlan  *model.FeePlan
 	bookedAt time.Time
 }
 
-func (s *stubCalculator) Compute(_ context.Context, plan *model.FeePlan, _ *feesv1.Intent, bookedAt time.Time, _ *tracev1.TraceContext) (*CalculationResult, error) {
+func (s *stubCalculator) Compute(_ context.Context, plan *model.FeePlan, _ *feesv1.Intent, bookedAt time.Time, _ *tracev1.TraceContext) (*types.CalculationResult, error) {
 	s.called = true
 	s.gotPlan = plan
 	s.bookedAt = bookedAt

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

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

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

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

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

@@ -42,21 +42,21 @@ func (*FeePlan) Collection() string {
 
 // FeeRule represents a single pricing rule within a plan.
 type FeeRule struct {
-	RuleID        string            `bson:"ruleId"                  json:"ruleId"`
+	RuleID           string            `bson:"ruleId"                  json:"ruleId"`
-	Trigger       Trigger           `bson:"trigger"                 json:"trigger"`
+	Trigger          Trigger           `bson:"trigger"                 json:"trigger"`
-	Priority      int               `bson:"priority"                json:"priority"`
+	Priority         int               `bson:"priority"                json:"priority"`
-	Percentage    string            `bson:"percentage,omitempty"    json:"percentage,omitempty"`
+	Percentage       string            `bson:"percentage,omitempty"    json:"percentage,omitempty"`
-	FixedAmount   string            `bson:"fixedAmount,omitempty"   json:"fixedAmount,omitempty"`
+	FixedAmount      string            `bson:"fixedAmount,omitempty"   json:"fixedAmount,omitempty"`
-	Currency      string            `bson:"currency,omitempty"      json:"currency,omitempty"`
+	Currency         string            `bson:"currency,omitempty"      json:"currency,omitempty"`
-	MinimumAmount string            `bson:"minimumAmount,omitempty" json:"minimumAmount,omitempty"`
+	MinimumAmount    string            `bson:"minimumAmount,omitempty" json:"minimumAmount,omitempty"`
-	MaximumAmount string            `bson:"maximumAmount,omitempty" json:"maximumAmount,omitempty"`
+	MaximumAmount    string            `bson:"maximumAmount,omitempty" json:"maximumAmount,omitempty"`
-	AppliesTo     map[string]string `bson:"appliesTo,omitempty"     json:"appliesTo,omitempty"`
+	AppliesTo        map[string]string `bson:"appliesTo,omitempty"     json:"appliesTo,omitempty"`
-	Formula       string            `bson:"formula,omitempty"       json:"formula,omitempty"`
+	Formula          string            `bson:"formula,omitempty"       json:"formula,omitempty"`
-	Metadata      map[string]string `bson:"metadata,omitempty"      json:"metadata,omitempty"`
+	Metadata         map[string]string `bson:"metadata,omitempty"      json:"metadata,omitempty"`
-	LedgerAccountRef string         `bson:"ledgerAccountRef,omitempty" json:"ledgerAccountRef,omitempty"`
+	LedgerAccountRef string            `bson:"ledgerAccountRef,omitempty" json:"ledgerAccountRef,omitempty"`
-	LineType         string         `bson:"lineType,omitempty"        json:"lineType,omitempty"`
+	LineType         string            `bson:"lineType,omitempty"        json:"lineType,omitempty"`
-	EntrySide        string         `bson:"entrySide,omitempty"       json:"entrySide,omitempty"`
+	EntrySide        string            `bson:"entrySide,omitempty"       json:"entrySide,omitempty"`
-	Rounding         string         `bson:"rounding,omitempty"        json:"rounding,omitempty"`
+	Rounding         string            `bson:"rounding,omitempty"        json:"rounding,omitempty"`
-	EffectiveFrom time.Time         `bson:"effectiveFrom"           json:"effectiveFrom"`
+	EffectiveFrom    time.Time         `bson:"effectiveFrom"           json:"effectiveFrom"`
-	EffectiveTo   *time.Time        `bson:"effectiveTo,omitempty"   json:"effectiveTo,omitempty"`
+	EffectiveTo      *time.Time        `bson:"effectiveTo,omitempty"   json:"effectiveTo,omitempty"`
 }

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

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

api/billing/fees/storage/storage.go

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

api/fx/ingestor/config.yml

@@ -8,6 +8,9 @@ market:
     - driver: COINGECKO
       settings:
         base_url: "https://api.coingecko.com/api/v3"
+    - driver: CBR
+      settings:
+        base_url: "https://www.cbr.ru"
   pairs:
     BINANCE:
       - base: "USDT"
@@ -26,6 +29,15 @@ market:
       - base: "USDT"
         quote: "RUB"
         symbol: "tether:rub"
+    CBR:
+      - base: "USD"
+        quote: "RUB"
+        symbol: "USD"
+        provider: "cbr"
+      - base: "EUR"
+        quote: "RUB"
+        symbol: "EUR"
+        provider: "cbr"
 
 metrics:
   enabled: true

api/fx/ingestor/go.mod

@@ -13,13 +13,14 @@ require (
 	github.com/tech/sendico/fx/storage v0.0.0
 	github.com/tech/sendico/pkg v0.1.0
 	go.uber.org/zap v1.27.1
+	golang.org/x/net v0.48.0
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -44,11 +45,10 @@ require (
 	go.mongodb.org/mongo-driver v1.17.6 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
 	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 	google.golang.org/grpc v1.77.0 // indirect
 	google.golang.org/protobuf v1.36.10 // indirect

api/fx/ingestor/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -176,35 +176,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=

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

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

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

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

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

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

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

@@ -6,11 +6,11 @@ import (
 	"time"
 
 	"github.com/tech/sendico/fx/ingestor/internal/config"
-	"github.com/tech/sendico/fx/ingestor/internal/fmerrors"
 	"github.com/tech/sendico/fx/ingestor/internal/market"
 	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
 	"github.com/tech/sendico/fx/storage"
 	"github.com/tech/sendico/fx/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/mlogger"
 	"go.uber.org/zap"
 )
@@ -26,18 +26,18 @@ type Service struct {
 
 func New(logger mlogger.Logger, cfg *config.Config, repo storage.Repository) (*Service, error) {
 	if logger == nil {
-		return nil, fmerrors.New("ingestor: nil logger")
+		return nil, merrors.InvalidArgument("ingestor: nil logger")
 	}
 	if cfg == nil {
-		return nil, fmerrors.New("ingestor: nil config")
+		return nil, merrors.InvalidArgument("ingestor: nil config")
 	}
 	if repo == nil {
-		return nil, fmerrors.New("ingestor: nil repository")
+		return nil, merrors.InvalidArgument("ingestor: nil repository")
 	}
 
 	connectors, err := market.BuildConnectors(logger, cfg.Market.Sources)
 	if err != nil {
-		return nil, fmerrors.Wrap("build connectors", err)
+		return nil, merrors.InternalWrap(err, "build connectors")
 	}
 
 	return &Service{
@@ -110,21 +110,21 @@ func (s *Service) pollOnce(ctx context.Context) error {
 func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 	connector, ok := s.connectors[pair.Source]
 	if !ok {
-		return fmerrors.Wrap("connector not configured for source "+pair.Source.String(), nil)
+		return merrors.InvalidArgument("connector not configured for source "+pair.Source.String(), "source")
 	}
 
 	ticker, err := connector.FetchTicker(ctx, pair.Symbol)
 	if err != nil {
-		return fmerrors.Wrap("fetch ticker", err)
+		return merrors.InternalWrap(err, "fetch ticker")
 	}
 
 	bid, err := parseDecimal(ticker.BidPrice)
 	if err != nil {
-		return fmerrors.Wrap("parse bid price", err)
+		return merrors.InvalidArgumentWrap(err, "parse bid price", "bid")
 	}
 	ask, err := parseDecimal(ticker.AskPrice)
 	if err != nil {
-		return fmerrors.Wrap("parse ask price", err)
+		return merrors.InvalidArgumentWrap(err, "parse ask price", "ask")
 	}
 
 	if pair.Invert {
@@ -166,7 +166,7 @@ func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 	}
 
 	if err := s.rates.UpsertSnapshot(ctx, snapshot); err != nil {
-		return fmerrors.Wrap("upsert snapshot", err)
+		return merrors.InternalWrap(err, "upsert snapshot")
 	}
 
 	s.logger.Debug("Snapshot ingested",
@@ -183,7 +183,7 @@ func (s *Service) upsertPair(ctx context.Context, pair config.Pair) error {
 func parseDecimal(value string) (*big.Rat, error) {
 	r := new(big.Rat)
 	if _, ok := r.SetString(value); !ok {
-		return nil, fmerrors.NewDecimal(value)
+		return nil, merrors.InvalidArgument("invalid decimal \""+value+"\"", "value")
 	}
 	return r, nil
 }

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

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

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

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

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

@@ -0,0 +1,537 @@
+package cbr
+
+import (
+	"context"
+	"encoding/xml"
+	"math/big"
+	"net"
+	"net/http"
+	"net/url"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/fx/ingestor/internal/market/common"
+	mmodel "github.com/tech/sendico/fx/ingestor/internal/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
+	"go.uber.org/zap"
+	"golang.org/x/net/html/charset"
+)
+
+type cbrConnector struct {
+	id            mmodel.Driver
+	provider      string
+	client        *http.Client
+	base          string
+	dailyPath     string
+	directoryPath string
+	dynamicPath   string
+	logger        mlogger.Logger
+
+	byISO map[string]valuteInfo
+	byID  map[string]valuteInfo
+}
+
+const defaultCBRBaseURL = "https://www.cbr.ru"
+const (
+	defaultDirectoryPath = "/scripts/XML_valFull.asp"
+	defaultDailyPath     = "/scripts/XML_daily.asp"
+	defaultDynamicPath   = "/scripts/XML_dynamic.asp"
+)
+
+const (
+	defaultDialTimeoutSeconds           = 5 * time.Second
+	defaultDialKeepAliveSeconds         = 30 * time.Second
+	defaultTLSHandshakeTimeoutSeconds   = 5 * time.Second
+	defaultResponseHeaderTimeoutSeconds = 10 * time.Second
+	defaultRequestTimeoutSeconds        = 10 * time.Second
+)
+
+func NewConnector(logger mlogger.Logger, settings model.SettingsT) (mmodel.Connector, error) {
+	baseURL := defaultCBRBaseURL
+	provider := strings.ToLower(mmodel.DriverCBR.String())
+	dialTimeout := defaultDialTimeoutSeconds
+	dialKeepAlive := defaultDialKeepAliveSeconds
+	tlsHandshakeTimeout := defaultTLSHandshakeTimeoutSeconds
+	responseHeaderTimeout := defaultResponseHeaderTimeoutSeconds
+	requestTimeout := defaultRequestTimeoutSeconds
+	directoryPath := defaultDirectoryPath
+	dailyPath := defaultDailyPath
+	dynamicPath := defaultDynamicPath
+
+	if settings != nil {
+		if value, ok := settings["base_url"].(string); ok && strings.TrimSpace(value) != "" {
+			baseURL = strings.TrimSpace(value)
+		}
+		if value, ok := settings["provider"].(string); ok && strings.TrimSpace(value) != "" {
+			provider = strings.TrimSpace(value)
+		}
+		if value, ok := settings["directory_path"].(string); ok && strings.TrimSpace(value) != "" {
+			directoryPath = strings.TrimSpace(value)
+		}
+		if value, ok := settings["daily_path"].(string); ok && strings.TrimSpace(value) != "" {
+			dailyPath = strings.TrimSpace(value)
+		}
+		if value, ok := settings["dynamic_path"].(string); ok && strings.TrimSpace(value) != "" {
+			dynamicPath = strings.TrimSpace(value)
+		}
+		dialTimeout = common.DurationSetting(settings, "dial_timeout_seconds", dialTimeout)
+		dialKeepAlive = common.DurationSetting(settings, "dial_keep_alive_seconds", dialKeepAlive)
+		tlsHandshakeTimeout = common.DurationSetting(settings, "tls_handshake_timeout_seconds", tlsHandshakeTimeout)
+		responseHeaderTimeout = common.DurationSetting(settings, "response_header_timeout_seconds", responseHeaderTimeout)
+		requestTimeout = common.DurationSetting(settings, "request_timeout_seconds", requestTimeout)
+	}
+
+	parsed, err := url.Parse(baseURL)
+	if err != nil {
+		return nil, merrors.InvalidArgumentWrap(err, "cbr: invalid base url", "base_url")
+	}
+
+	var transport http.RoundTripper = &http.Transport{
+		DialContext:           (&net.Dialer{Timeout: dialTimeout, KeepAlive: dialKeepAlive}).DialContext,
+		TLSHandshakeTimeout:   tlsHandshakeTimeout,
+		ResponseHeaderTimeout: responseHeaderTimeout,
+	}
+
+	if customTransport, ok := settings["http_round_tripper"].(http.RoundTripper); ok && customTransport != nil {
+		transport = customTransport
+	}
+
+	connector := &cbrConnector{
+		id:       mmodel.DriverCBR,
+		provider: provider,
+		client: &http.Client{
+			Timeout:   requestTimeout,
+			Transport: transport,
+		},
+		base:          strings.TrimRight(parsed.String(), "/"),
+		dailyPath:     dailyPath,
+		directoryPath: directoryPath,
+		dynamicPath:   dynamicPath,
+		logger:        logger.Named("cbr"),
+	}
+
+	if err := connector.refreshDirectory(); err != nil {
+		return nil, err
+	}
+
+	return connector, nil
+}
+
+func (c *cbrConnector) ID() mmodel.Driver {
+	return c.id
+}
+
+func (c *cbrConnector) FetchTicker(ctx context.Context, symbol string) (*mmodel.Ticker, error) {
+	isoCode, asOfDate, err := parseSymbol(symbol)
+	if err != nil {
+		return nil, err
+	}
+
+	valute, ok := c.byISO[isoCode]
+	if !ok {
+		return nil, merrors.InvalidArgument("cbr: unknown currency "+isoCode, "symbol")
+	}
+
+	var price string
+	if asOfDate != nil {
+		price, err = c.fetchHistoricalRate(ctx, valute, *asOfDate)
+	} else {
+		price, err = c.fetchDailyRate(ctx, valute)
+	}
+	if err != nil {
+		return nil, err
+	}
+
+	now := time.Now().UnixMilli()
+	return &mmodel.Ticker{
+		Symbol:    formatSymbol(isoCode, asOfDate),
+		BidPrice:  price,
+		AskPrice:  price,
+		Provider:  c.provider,
+		Timestamp: now,
+	}, nil
+}
+
+func (c *cbrConnector) refreshDirectory() error {
+	endpoint, err := c.buildURL(c.directoryPath, nil)
+	if err != nil {
+		return err
+	}
+
+	req, err := http.NewRequest(http.MethodGet, endpoint, nil)
+	if err != nil {
+		return merrors.InternalWrap(err, "cbr: build directory request")
+	}
+
+	resp, err := c.client.Do(req)
+	if err != nil {
+		c.logger.Warn("CBR directory request failed", zap.Error(err))
+		return merrors.InternalWrap(err, "cbr: directory request failed")
+	}
+	defer resp.Body.Close()
+
+	if resp.StatusCode != http.StatusOK {
+		c.logger.Warn("CBR directory returned non-OK status", zap.Int("status", resp.StatusCode))
+		return merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
+	}
+
+	decoder := xml.NewDecoder(resp.Body)
+	decoder.CharsetReader = charset.NewReaderLabel
+
+	var directory valuteDirectory
+	if err := decoder.Decode(&directory); err != nil {
+		c.logger.Warn("CBR directory decode failed", zap.Error(err))
+		return merrors.InternalWrap(err, "cbr: decode directory")
+	}
+
+	mapping, err := buildValuteMapping(directory.Items)
+	if err != nil {
+		return err
+	}
+
+	c.byISO = mapping.byISO
+	c.byID = mapping.byID
+	return nil
+}
+
+func (c *cbrConnector) fetchDailyRate(ctx context.Context, valute valuteInfo) (string, error) {
+	endpoint, err := c.buildURL(c.dailyPath, nil)
+	if err != nil {
+		return "", err
+	}
+
+	req, err := http.NewRequestWithContext(ctx, http.MethodGet, endpoint, nil)
+	if err != nil {
+		return "", merrors.InternalWrap(err, "cbr: build daily request")
+	}
+
+	resp, err := c.client.Do(req)
+	if err != nil {
+		c.logger.Warn("CBR daily request failed", zap.String("currency", valute.ISOCharCode), zap.Error(err))
+		return "", merrors.InternalWrap(err, "cbr: daily request failed")
+	}
+	defer resp.Body.Close()
+
+	if resp.StatusCode != http.StatusOK {
+		c.logger.Warn("CBR daily returned non-OK status", zap.Int("status", resp.StatusCode))
+		return "", merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
+	}
+
+	decoder := xml.NewDecoder(resp.Body)
+	decoder.CharsetReader = charset.NewReaderLabel
+
+	var payload dailyRates
+	if err := decoder.Decode(&payload); err != nil {
+		c.logger.Warn("CBR daily decode failed", zap.Error(err))
+		return "", merrors.InternalWrap(err, "cbr: decode daily response")
+	}
+
+	entry := payload.find(valute.ID)
+	if entry == nil {
+		return "", merrors.NoData("cbr: currency not found in daily rates: " + valute.ISOCharCode)
+	}
+
+	if err := validateDailyEntry(valute, entry); err != nil {
+		return "", err
+	}
+
+	return computePrice(entry.Value, entry.Nominal)
+}
+
+func (c *cbrConnector) fetchHistoricalRate(ctx context.Context, valute valuteInfo, date time.Time) (string, error) {
+	query := map[string]string{
+		"date_req1": date.Format("02/01/2006"),
+		"date_req2": date.Format("02/01/2006"),
+		"VAL_NM_RQ": valute.ID,
+	}
+	endpoint, err := c.buildURL(c.dynamicPath, query)
+	if err != nil {
+		return "", err
+	}
+
+	req, err := http.NewRequestWithContext(ctx, http.MethodGet, endpoint, nil)
+	if err != nil {
+		return "", merrors.InternalWrap(err, "cbr: build historical request")
+	}
+
+	resp, err := c.client.Do(req)
+	if err != nil {
+		c.logger.Warn("CBR historical request failed", zap.String("currency", valute.ISOCharCode), zap.Error(err))
+		return "", merrors.InternalWrap(err, "cbr: historical request failed")
+	}
+	defer resp.Body.Close()
+
+	if resp.StatusCode != http.StatusOK {
+		c.logger.Warn("CBR historical returned non-OK status", zap.Int("status", resp.StatusCode))
+		return "", merrors.Internal("cbr: unexpected status " + strconv.Itoa(resp.StatusCode))
+	}
+
+	decoder := xml.NewDecoder(resp.Body)
+	decoder.CharsetReader = charset.NewReaderLabel
+
+	var payload dynamicRates
+	if err := decoder.Decode(&payload); err != nil {
+		c.logger.Warn("CBR historical decode failed", zap.Error(err))
+		return "", merrors.InternalWrap(err, "cbr: decode historical response")
+	}
+
+	record := payload.find(valute.ID, date)
+	if record == nil {
+		return "", merrors.NoData("cbr: historical rate not found for " + valute.ISOCharCode)
+	}
+
+	if record.Nominal != "" {
+		nominal, err := parseNominal(record.Nominal)
+		if err != nil {
+			return "", merrors.InvalidDataType(err.Error())
+		}
+		if nominal != valute.Nominal {
+			return "", merrors.Internal("cbr: historical nominal mismatch for " + valute.ISOCharCode)
+		}
+	}
+
+	return computePrice(record.Value, strconv.FormatInt(valute.Nominal, 10))
+}
+
+func (c *cbrConnector) buildURL(path string, query map[string]string) (string, error) {
+	base, err := url.Parse(c.base)
+	if err != nil {
+		return "", merrors.InternalWrap(err, "cbr: parse base url")
+	}
+	base.Path = strings.TrimRight(base.Path, "/") + path
+	q := base.Query()
+	for key, value := range query {
+		q.Set(key, value)
+	}
+	base.RawQuery = q.Encode()
+	return base.String(), nil
+}
+
+type valuteDirectory struct {
+	Items []valuteItem `xml:"Item"`
+}
+
+type valuteItem struct {
+	ID         string `xml:"ID,attr"`
+	ISOChar    string `xml:"ISO_Char_Code"`
+	ISONum     string `xml:"ISO_Num_Code"`
+	Name       string `xml:"Name"`
+	EngName    string `xml:"EngName"`
+	NominalStr string `xml:"Nominal"`
+}
+
+type valuteInfo struct {
+	ID          string
+	ISOCharCode string
+	ISONumCode  string
+	Name        string
+	EngName     string
+	Nominal     int64
+}
+
+type valuteMapping struct {
+	byISO map[string]valuteInfo
+	byID  map[string]valuteInfo
+}
+
+func buildValuteMapping(items []valuteItem) (*valuteMapping, error) {
+	byISO := make(map[string]valuteInfo, len(items))
+	byID := make(map[string]valuteInfo, len(items))
+	byNum := make(map[string]string, len(items))
+
+	for _, item := range items {
+		id := strings.TrimSpace(item.ID)
+		isoChar := strings.ToUpper(strings.TrimSpace(item.ISOChar))
+		isoNum := strings.TrimSpace(item.ISONum)
+		name := strings.TrimSpace(item.Name)
+		engName := strings.TrimSpace(item.EngName)
+		nominal, err := parseNominal(item.NominalStr)
+		if err != nil {
+			return nil, merrors.InvalidDataType("cbr: parse directory nominal: " + err.Error())
+		}
+		if id == "" || isoChar == "" {
+			return nil, merrors.InvalidDataType("cbr: directory contains entry with empty id or iso code")
+		}
+
+		info := valuteInfo{
+			ID:          id,
+			ISOCharCode: isoChar,
+			ISONumCode:  isoNum,
+			Name:        name,
+			EngName:     engName,
+			Nominal:     nominal,
+		}
+
+		if existing, ok := byISO[isoChar]; ok && existing.ID != id {
+			return nil, merrors.InvalidDataType("cbr: duplicate ISO code " + isoChar)
+		}
+		if existing, ok := byID[id]; ok && existing.ISOCharCode != isoChar {
+			return nil, merrors.InvalidDataType("cbr: duplicate valute id " + id)
+		}
+		if isoNum != "" {
+			if existingID, ok := byNum[isoNum]; ok && existingID != id {
+				return nil, merrors.InvalidDataType("cbr: duplicate ISO numeric code " + isoNum)
+			}
+			byNum[isoNum] = id
+		}
+
+		byISO[isoChar] = info
+		byID[id] = info
+	}
+
+	if len(byISO) == 0 {
+		return nil, merrors.InvalidDataType("cbr: empty directory received")
+	}
+
+	return &valuteMapping{
+		byISO: byISO,
+		byID:  byID,
+	}, nil
+}
+
+type dailyRates struct {
+	Valutes []dailyValute `xml:"Valute"`
+}
+
+type dailyValute struct {
+	ID       string `xml:"ID,attr"`
+	NumCode  string `xml:"NumCode"`
+	CharCode string `xml:"CharCode"`
+	Nominal  string `xml:"Nominal"`
+	Name     string `xml:"Name"`
+	Value    string `xml:"Value"`
+}
+
+func (d *dailyRates) find(id string) *dailyValute {
+	if d == nil {
+		return nil
+	}
+	for idx := range d.Valutes {
+		if strings.EqualFold(strings.TrimSpace(d.Valutes[idx].ID), id) {
+			return &d.Valutes[idx]
+		}
+	}
+	return nil
+}
+
+type dynamicRates struct {
+	Records []dynamicRecord `xml:"Record"`
+}
+
+type dynamicRecord struct {
+	ID      string `xml:"Id,attr"`
+	DateRaw string `xml:"Date,attr"`
+	Nominal string `xml:"Nominal"`
+	Value   string `xml:"Value"`
+}
+
+func (d *dynamicRates) find(id string, date time.Time) *dynamicRecord {
+	if d == nil {
+		return nil
+	}
+	target := date.Format("02.01.2006")
+	for idx := range d.Records {
+		rec := &d.Records[idx]
+		if !strings.EqualFold(strings.TrimSpace(rec.ID), id) {
+			continue
+		}
+		if strings.TrimSpace(rec.DateRaw) == target {
+			return rec
+		}
+	}
+	return nil
+}
+
+func validateDailyEntry(expected valuteInfo, entry *dailyValute) error {
+	if entry == nil {
+		return merrors.NoData("cbr: missing daily entry")
+	}
+	if !strings.EqualFold(strings.TrimSpace(entry.CharCode), expected.ISOCharCode) {
+		return merrors.Internal("cbr: char code mismatch for " + expected.ISOCharCode)
+	}
+	if expected.ISONumCode != "" && strings.TrimSpace(entry.NumCode) != expected.ISONumCode {
+		return merrors.Internal("cbr: iso numeric mismatch for " + expected.ISOCharCode)
+	}
+	if expected.Name != "" && strings.TrimSpace(entry.Name) != expected.Name {
+		return merrors.Internal("cbr: currency name mismatch for " + expected.ISOCharCode)
+	}
+
+	nominal, err := parseNominal(entry.Nominal)
+	if err != nil {
+		return merrors.InvalidDataType("cbr: parse daily nominal: " + err.Error())
+	}
+	if nominal != expected.Nominal {
+		return merrors.Internal("cbr: nominal mismatch for " + expected.ISOCharCode)
+	}
+	return nil
+}
+
+func parseSymbol(symbol string) (string, *time.Time, error) {
+	trimmed := strings.TrimSpace(symbol)
+	if trimmed == "" {
+		return "", nil, merrors.InvalidArgument("cbr: symbol is empty", "symbol")
+	}
+
+	parts := strings.Split(trimmed, "@")
+	if len(parts) > 2 {
+		return "", nil, merrors.InvalidArgument("cbr: invalid symbol format", "symbol")
+	}
+
+	iso := strings.ToUpper(strings.TrimSpace(parts[0]))
+	if len(iso) != 3 {
+		return "", nil, merrors.InvalidArgument("cbr: symbol must be ISO currency code", "symbol")
+	}
+
+	if len(parts) == 1 {
+		return iso, nil, nil
+	}
+
+	datePart := strings.TrimSpace(parts[1])
+	if datePart == "" {
+		return "", nil, merrors.InvalidArgument("cbr: date component is empty", "symbol")
+	}
+
+	parsed, err := time.Parse("2006-01-02", datePart)
+	if err != nil {
+		return "", nil, merrors.InvalidArgumentWrap(err, "cbr: invalid date component", "symbol")
+	}
+
+	return iso, &parsed, nil
+}
+
+func parseNominal(value string) (int64, error) {
+	nominal, err := strconv.ParseInt(strings.TrimSpace(value), 10, 64)
+	if err != nil || nominal <= 0 {
+		return 0, merrors.InvalidDataType("cbr: invalid nominal \"" + value + "\"")
+	}
+	return nominal, nil
+}
+
+func computePrice(value string, nominalStr string) (string, error) {
+	raw := strings.ReplaceAll(strings.TrimSpace(value), " ", "")
+	raw = strings.ReplaceAll(raw, ",", ".")
+
+	r := new(big.Rat)
+	if _, ok := r.SetString(raw); !ok {
+		return "", merrors.InvalidDataType("invalid decimal \"" + value + "\"")
+	}
+
+	nominal, err := parseNominal(nominalStr)
+	if err != nil {
+		return "", err
+	}
+
+	den := big.NewRat(nominal, 1)
+	price := new(big.Rat).Quo(r, den)
+	return price.FloatString(8), nil
+}
+
+func formatSymbol(iso string, asOf *time.Time) string {
+	if asOf == nil {
+		return iso
+	}
+	return iso + "@" + asOf.Format("2006-01-02")
+}

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

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

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

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

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

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

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

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

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

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

api/fx/oracle/go.mod

@@ -21,7 +21,7 @@ require (
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -45,10 +45,10 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
 	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 )

api/fx/oracle/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -176,35 +176,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=

api/fx/storage/go.mod

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

api/fx/storage/go.sum

@@ -7,8 +7,8 @@ github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -138,8 +138,8 @@ go.uber.org/zap v1.27.1 h1:08RqriUEv8+ArZRYSTXy1LeBScaMpVSTBhCeaZYfMYc=
 go.uber.org/zap v1.27.1/go.mod h1:GB2qFLM7cTU87MWRP2mPIjqfIDnGu+VIO4V/SdhGo2E=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
@@ -147,23 +147,23 @@ golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=

api/gateway/chain/config.yml

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

api/gateway/chain/go.mod

@@ -22,11 +22,11 @@ require (
 
 require (
 	github.com/Microsoft/go-winio v0.6.2 // indirect
-	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251119083800-2aa1d4cc79d7 // indirect
+	github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251208031133-be43a854e4be // indirect
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bits-and-blooms/bitset v1.24.4 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cenkalti/backoff/v4 v4.3.0 // indirect
@@ -54,7 +54,7 @@ require (
 	github.com/hashicorp/go-sockaddr v1.0.7 // indirect
 	github.com/hashicorp/hcl v1.0.1-vault-7 // indirect
 	github.com/holiman/uint256 v1.3.2 // indirect
-	github.com/klauspost/compress v1.18.1 // indirect
+	github.com/klauspost/compress v1.18.2 // indirect
 	github.com/mattn/go-colorable v0.1.14 // indirect
 	github.com/mattn/go-isatty v0.0.20 // indirect
 	github.com/mitchellh/go-homedir v1.1.0 // indirect
@@ -79,12 +79,12 @@ require (
 	github.com/yusufpapurcu/wmi v1.2.4 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
 	golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
 	golang.org/x/time v0.14.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 )

api/gateway/chain/go.sum

@@ -6,8 +6,8 @@ github.com/DataDog/zstd v1.4.5 h1:EndNeuB0l9syBZhut0wns3gV1hL8zX8LIu6ZiVHWLIQ=
 github.com/DataDog/zstd v1.4.5/go.mod h1:1jcaCB/ufaK+sKp1NBhlGmpz41jOoPQ35bpF36t7BBo=
 github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
 github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251119083800-2aa1d4cc79d7 h1:uups37roJCTtR/BrJa0WoMrxt3rzgV+Qrj+TxYyJoAo=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251208031133-be43a854e4be h1:1LtMLkGIqE5IQZ7Vdh4zv8A6LECInKF86/fTVxKxYLE=
-github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251119083800-2aa1d4cc79d7/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
+github.com/ProjectZKM/Ziren/crates/go-runtime/zkvm_runtime v0.0.0-20251208031133-be43a854e4be/go.mod h1:ioLG6R+5bUSO1oeGSDxOV3FADARuMoytZCSX6MEMQkI=
 github.com/VictoriaMetrics/fastcache v1.13.0 h1:AW4mheMR5Vd9FkAPUv+NH6Nhw+fmbTMGMsNAoA/+4G0=
 github.com/VictoriaMetrics/fastcache v1.13.0/go.mod h1:hHXhl4DA2fTL2HTZDJFXWgW0LNjo6B+4aj2Wmng3TjU=
 github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=
@@ -17,8 +17,8 @@ github.com/bits-and-blooms/bitset v1.24.4/go.mod h1:7hO7Gc7Pp1vODcmWvKMRA9BNmbv6
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -159,8 +159,8 @@ github.com/huin/goupnp v1.3.0 h1:UvLUlWDNpoUdYzb2TCn+MuTWtcjXKSza2n6CBdQ0xXc=
 github.com/huin/goupnp v1.3.0/go.mod h1:gnGPsThkYa7bFi/KWmEysQRf48l2dvR5bxr2OFckNX8=
 github.com/jackpal/go-nat-pmp v1.0.2 h1:KzKSgb7qkJvOUTqYl9/Hg/me3pWgBmERKrTGD7BdWus=
 github.com/jackpal/go-nat-pmp v1.0.2/go.mod h1:QPH045xvCAeXUZOxsnwmrtiCoxIr9eob+4orBN1SBKc=
-github.com/klauspost/compress v1.18.1 h1:bcSGx7UbpBqMChDtsF28Lw6v/G94LPrrbMbdC3JH2co=
+github.com/klauspost/compress v1.18.2 h1:iiPHWW0YrcFgpBYhsA6D1+fqHssJscY/Tm/y2Uqnapk=
-github.com/klauspost/compress v1.18.1/go.mod h1:ZQFFVG+MdnR0P+l6wpXgIL4NTtwiKIdBnrBd8Nrxr+0=
+github.com/klauspost/compress v1.18.2/go.mod h1:R0h/fSBs8DE4ENlcrlib3PsXS61voFxhIs2DeRhCvJ4=
 github.com/klauspost/cpuid/v2 v2.0.9 h1:lgaqFMSdTdQYdZ04uHyN2d/eKdOMyi2YLSvlQIBFYa4=
 github.com/klauspost/cpuid/v2 v2.0.9/go.mod h1:FInQzS24/EEf25PyTYn52gqo7WaD8xa0213Md/qVLRg=
 github.com/kr/pretty v0.3.1 h1:flRD4NNwYAUpkphVc1HcthR4KEIFJ65n8Mw5qdRn3LE=
@@ -320,8 +320,8 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546 h1:mgKeJMpvi0yx/sU5GsxQ7p6s2wtOnGAHZWCHUM4KGzY=
 golang.org/x/exp v0.0.0-20251023183803-a4bb9ffd2546/go.mod h1:j/pmGrbnkbPtQfxEe5D0VQhZC6qKbfKifgD0oM7sR70=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
@@ -329,12 +329,12 @@ golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20190916202348-b4ddaad3f8a3/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
@@ -343,16 +343,16 @@ golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBc
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.1.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/time v0.14.0 h1:MRx4UaLrDotUKUdCIqzPC48t1Y9hANFKIRpNx+Te8PI=
 golang.org/x/time v0.14.0/go.mod h1:eL/Oa2bBBK0TkX57Fyni+NgnyQQN4LitPmob2Hjnqw4=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
@@ -362,8 +362,8 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846 h1:Wgl1rcDNThT+Zn47YyCXOXyX/COgMTIdhJ717F0l4xk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
 google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=

api/gateway/chain/internal/keymanager/vault/manager.go

@@ -65,7 +65,7 @@ func New(logger mlogger.Logger, cfg Config) (*Manager, error) {
 	}
 	keyPrefix := strings.Trim(strings.TrimSpace(cfg.KeyPrefix), "/")
 	if keyPrefix == "" {
-		keyPrefix = "chain/gateway/wallets"
+		keyPrefix = "gateway/chain/wallets"
 	}
 
 	clientCfg := api.DefaultConfig()

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

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

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

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

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

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

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

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

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

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

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

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

api/gateway/chain/main.go

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

api/gateway/mntx/.gitignore

@@ -0,0 +1 @@
+/mntx-gateway

api/gateway/mntx/README.md

@@ -0,0 +1,46 @@
+# Monetix Gateway – Card Payouts
+
+This service now supports Monetix “payout by card”.
+
+## Runtime entry points
+- gRPC: `MntxGatewayService.CreateCardPayout` and `GetCardPayoutStatus`.
+- Callback HTTP server (default): `:8084/monetix/callback` for Monetix payout status notifications.
+- Metrics: Prometheus on `:9404/metrics`.
+
+## Required config/env
+`api/gateway/mntx/config.yml` shows defaults. Key values (usually injected via env):
+- `MONETIX_BASE_URL` – e.g. `https://gate.monetix.com`
+- `MONETIX_PROJECT_ID` – integer project ID
+- `MONETIX_SECRET_KEY` – signature secret
+- Optional: `allowed_currencies`, `require_customer_address`, `request_timeout_seconds`
+- Callback server: `MNTX_GATEWAY_HTTP_PORT` (exposed as 8084), `http.callback.path`, optional `allowed_cidrs`
+
+## Outbound request (CreateCardPayout)
+Payload is built per Monetix spec:
+```
+{
+  "general":  { "project_id": <int>, "payment_id": "<payout_id>", "signature": "<hmac>" },
+  "customer": { id, first_name, last_name, middle_name?, ip_address, zip?, country?, state?, city?, address? },
+  "payment":  { amount: <minor_units>, currency: "<ISO-4217>" },
+  "card":     { pan, year?, month?, card_holder }
+}
+```
+Signature: HMAC-SHA256 over the JSON body (without `signature`), using `MONETIX_SECRET_KEY`.
+
+## Callback handling
+- Endpoint only accepts POST with Monetix JSON body. Signature is verified with the same HMAC-SHA256 algorithm; invalid signatures return 403.
+- Maps Monetix statuses:
+  - `payment.status=success` AND `operation.status=success` AND `operation.code` empty/`0` → `PAYOUT_STATUS_PROCESSED`
+  - `processing` → `PAYOUT_STATUS_PENDING`
+  - otherwise → `PAYOUT_STATUS_FAILED`
+- Emits `CardPayoutStatusChangedEvent` over messaging (event type: `mntx_gateway`, action: `updated`).
+
+## Metrics
+- `sendico_mntx_gateway_card_payout_requests_total{outcome}`
+- `sendico_mntx_gateway_card_payout_request_latency_seconds{outcome}`
+- `sendico_mntx_gateway_card_payout_callbacks_total{status}`
+- Existing RPC/payout counters remain for compatibility.
+
+## Notes / PCI
+- PAN is only logged in masked form; do not persist raw PAN.
+- Callback allows CIDR allow-listing; leave empty to accept all while testing.

api/gateway/mntx/config.yml

@@ -0,0 +1,40 @@
+runtime:
+  shutdown_timeout_seconds: 15
+
+grpc:
+  network: tcp
+  address: ":50075"
+  enable_reflection: true
+  enable_health: true
+
+metrics:
+  address: ":9404"
+
+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: Monetix Gateway Service
+    max_reconnects: 10
+    reconnect_wait: 5
+
+monetix:
+  base_url_env: MONETIX_BASE_URL
+  project_id_env: MONETIX_PROJECT_ID
+  secret_key_env: MONETIX_SECRET_KEY
+  allowed_currencies: ["USD", "EUR"]
+  require_customer_address: false
+  request_timeout_seconds: 15
+  status_success: "success"
+  status_processing: "processing"
+
+http:
+  callback:
+    address: ":8084"
+    path: "/monetix/callback"
+    allowed_cidrs: []
+    max_body_bytes: 1048576

api/gateway/mntx/entrypoint.sh

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

api/gateway/mntx/go.mod

@@ -0,0 +1,54 @@
+module github.com/tech/sendico/gateway/mntx
+
+go 1.25.3
+
+replace github.com/tech/sendico/pkg => ../../pkg
+
+require (
+	github.com/go-chi/chi/v5 v5.2.3
+	github.com/google/uuid v1.6.0
+	github.com/prometheus/client_golang v1.23.2
+	github.com/shopspring/decimal v1.4.0
+	github.com/tech/sendico/pkg v0.1.0
+	go.uber.org/zap v1.27.1
+	google.golang.org/grpc v1.77.0
+	google.golang.org/protobuf v1.36.10
+	gopkg.in/yaml.v3 v3.0.1
+)
+
+require (
+	github.com/beorn7/perks v1.0.1 // indirect
+	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
+	github.com/casbin/govaluate v1.10.0 // indirect
+	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
+	github.com/cespare/xxhash/v2 v2.3.0 // indirect
+	github.com/golang/snappy v1.0.0 // indirect
+	github.com/klauspost/compress v1.18.2 // indirect
+	github.com/mattn/go-colorable v0.1.14 // indirect
+	github.com/mattn/go-isatty v0.0.20 // indirect
+	github.com/mitchellh/mapstructure v1.5.0 // indirect
+	github.com/montanaflynn/stats v0.7.1 // indirect
+	github.com/munnerz/goautoneg v0.0.0-20191010083416-a7dc8b61c822 // indirect
+	github.com/nats-io/nats.go v1.47.0 // indirect
+	github.com/nats-io/nkeys v0.4.12 // indirect
+	github.com/nats-io/nuid v1.0.1 // indirect
+	github.com/prometheus/client_model v0.6.2 // indirect
+	github.com/prometheus/common v0.67.4 // indirect
+	github.com/prometheus/procfs v0.19.2 // indirect
+	github.com/rogpeppe/go-internal v1.12.0 // indirect
+	github.com/tklauser/go-sysconf v0.3.16 // indirect
+	github.com/xdg-go/pbkdf2 v1.0.0 // indirect
+	github.com/xdg-go/scram v1.2.0 // indirect
+	github.com/xdg-go/stringprep v1.0.4 // indirect
+	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
+	go.mongodb.org/mongo-driver v1.17.6 // indirect
+	go.uber.org/multierr v1.11.0 // indirect
+	go.yaml.in/yaml/v2 v2.4.3 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
+)

api/gateway/mntx/go.sum

@@ -0,0 +1,227 @@
+dario.cat/mergo v1.0.1 h1:Ra4+bf83h2ztPIQYNP99R6m+Y7KfnARDfID+a+vLl4s=
+dario.cat/mergo v1.0.1/go.mod h1:uNxQE+84aUszobStD9th8a29P2fMDhsBdgRYvZOxGmk=
+github.com/Azure/go-ansiterm v0.0.0-20230124172434-306776ec8161 h1:L/gRVlceqvL25UVaW/CKtUDjefjrs0SPonmDGUVOYP0=
+github.com/Azure/go-ansiterm v0.0.0-20230124172434-306776ec8161/go.mod h1:xomTg63KZ2rFqZQzSB4Vz2SUXa1BpHTVz9L5PTmPC4E=
+github.com/Microsoft/go-winio v0.6.2 h1:F2VQgta7ecxGYO8k3ZZz3RS8fVIXVxONVUPlNERoyfY=
+github.com/Microsoft/go-winio v0.6.2/go.mod h1:yd8OoFMLzJbo9gZq8j5qaps8bJ9aShtEA8Ipt1oGCvU=
+github.com/beorn7/perks v1.0.1 h1:VlbKKnNfV8bJzeqoa4cOKqO6bYr3WgKZxO8Z16+hsOM=
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api/gateway/mntx/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 Monetix Gateway Service",
+		Revision:  Revision,
+		Branch:    Branch,
+		BuildUser: BuildUser,
+		BuildDate: BuildDate,
+		Version:   Version,
+	}
+	return vf.Create(&info)
+}

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

@@ -0,0 +1,346 @@
+package serverimp
+
+import (
+	"context"
+	"errors"
+	"io"
+	"net"
+	"net/http"
+	"os"
+	"strconv"
+	"strings"
+	"time"
+
+	"github.com/go-chi/chi/v5"
+	mntxservice "github.com/tech/sendico/gateway/mntx/internal/service/gateway"
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	"github.com/tech/sendico/pkg/mlogger"
+	"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[struct{}]
+	http   *http.Server
+}
+
+type config struct {
+	*grpcapp.Config `yaml:",inline"`
+	Monetix         monetixConfig `yaml:"monetix"`
+	HTTP            httpConfig    `yaml:"http"`
+}
+
+type monetixConfig 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"`
+}
+
+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 Monetix 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.http != nil {
+		_ = i.http.Shutdown(ctx)
+		i.http = nil
+	}
+
+	i.app.Shutdown(ctx)
+}
+
+func (i *Imp) Start() error {
+	cfg, err := i.loadConfig()
+	if err != nil {
+		return err
+	}
+	i.config = cfg
+
+	monetixCfg, err := i.resolveMonetixConfig(cfg.Monetix)
+	if err != nil {
+		return err
+	}
+
+	callbackCfg, err := i.resolveCallbackConfig(cfg.HTTP.Callback)
+	if err != nil {
+		return err
+	}
+
+	serviceFactory := func(logger mlogger.Logger, _ struct{}, producer msg.Producer) (grpcapp.Service, error) {
+		svc := mntxservice.NewService(logger,
+			mntxservice.WithProducer(producer),
+			mntxservice.WithMonetixConfig(monetixCfg),
+			mntxservice.WithHTTPClient(&http.Client{Timeout: monetixCfg.Timeout()}),
+		)
+
+		if err := i.startHTTPCallbackServer(svc, callbackCfg); err != nil {
+			return nil, err
+		}
+
+		return svc, nil
+	}
+
+	app, err := grpcapp.NewApp(i.logger, "monetix", cfg.Config, i.debug, nil, 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 (i *Imp) resolveMonetixConfig(cfg monetixConfig) (monetix.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 monetix.Config{}, merrors.InvalidArgument("invalid project id in env "+cfg.ProjectIDEnv, "monetix.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 monetix.Config{
+		BaseURL:                baseURL,
+		ProjectID:              projectID,
+		SecretKey:              secret,
+		AllowedCurrencies:      cfg.AllowedCurrencies,
+		RequireCustomerAddress: cfg.RequireCustomerAddress,
+		RequestTimeout:         timeout,
+		StatusSuccess:          statusSuccess,
+		StatusProcessing:       statusProcessing,
+	}, nil
+}
+
+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 = "/monetix/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 *mntxservice.Service, cfg callbackRuntimeConfig) error {
+	if svc == nil {
+		return errors.New("nil service provided for callback server")
+	}
+	if strings.TrimSpace(cfg.Address) == "" {
+		i.logger.Info("Monetix callback server disabled: address is empty")
+		return nil
+	}
+
+	router := chi.NewRouter()
+	router.Post(cfg.Path, func(w http.ResponseWriter, r *http.Request) {
+		if len(cfg.AllowedCIDRs) > 0 && !clientAllowed(r, cfg.AllowedCIDRs) {
+			http.Error(w, "forbidden", http.StatusForbidden)
+			return
+		}
+		body, err := io.ReadAll(io.LimitReader(r.Body, cfg.MaxBodyBytes))
+		if err != nil {
+			http.Error(w, "failed to read body", http.StatusBadRequest)
+			return
+		}
+		status, err := svc.ProcessMonetixCallback(r.Context(), body)
+		if err != nil {
+			http.Error(w, err.Error(), status)
+			return
+		}
+		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.Error("Monetix callback server stopped with error", zap.Error(err))
+		}
+	}()
+
+	i.logger.Info("Monetix 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/mntx/internal/server/server.go

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

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

@@ -0,0 +1,134 @@
+package gateway
+
+import (
+	"context"
+	"crypto/hmac"
+	"net/http"
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"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"`
+		Date      string `json:"date"`
+		AuthCode  string `json:"auth_code"`
+	} `json:"provider"`
+	Code    string `json:"code"`
+	Message string `json:"message"`
+}
+
+type monetixCallback struct {
+	ProjectID int64           `json:"project_id"`
+	Payment   callbackPayment `json:"payment"`
+	Account   struct {
+		Number string `json:"number"`
+	} `json:"account"`
+	Customer struct {
+		ID string `json:"id"`
+	} `json:"customer"`
+	Operation callbackOperation `json:"operation"`
+	Signature string            `json:"signature"`
+}
+
+// ProcessMonetixCallback ingests Monetix provider callbacks and updates payout state.
+func (s *Service) ProcessMonetixCallback(ctx context.Context, payload []byte) (int, error) {
+	if s.card == nil {
+		return http.StatusInternalServerError, merrors.Internal("card payout processor not initialised")
+	}
+	return s.card.ProcessCallback(ctx, payload)
+}
+
+func mapCallbackToState(clock clockpkg.Clock, cfg monetix.Config, cb monetixCallback) (*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 := monetix.OutcomeDecline
+	internalStatus := mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+
+	if status == cfg.SuccessStatus() && opStatus == cfg.SuccessStatus() && (code == "" || code == "0") {
+		internalStatus = mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED
+		outcome = monetix.OutcomeSuccess
+	} else if status == cfg.ProcessingStatus() || opStatus == cfg.ProcessingStatus() {
+		internalStatus = mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING
+		outcome = monetix.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),
+		UpdatedAt:         now,
+		CreatedAt:         now,
+	}
+
+	return state, outcome
+}
+
+func fallbackProviderPaymentID(cb monetixCallback) 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(cb monetixCallback, secret string) error {
+	expected := cb.Signature
+	cb.Signature = ""
+	calculated, err := monetix.SignPayload(cb, secret)
+	if err != nil {
+		return err
+	}
+	if subtleConstantTimeCompare(expected, calculated) {
+		return nil
+	}
+	return merrors.DataConflict("signature mismatch")
+}
+
+func subtleConstantTimeCompare(a, b string) bool {
+	return hmac.Equal([]byte(strings.TrimSpace(a)), []byte(strings.TrimSpace(b)))
+}

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

@@ -0,0 +1,255 @@
+package gateway
+
+import (
+	"context"
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"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"
+	"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] {
+	if s.card == nil {
+		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 {
+		return gsresponse.Auto[mntxv1.CardPayoutResponse](s.logger, mservice.MntxGateway, err)
+	}
+	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] {
+	if s.card == nil {
+		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 {
+		return gsresponse.Auto[mntxv1.CardTokenPayoutResponse](s.logger, mservice.MntxGateway, err)
+	}
+	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] {
+	if s.card == nil {
+		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 {
+		return gsresponse.Auto[mntxv1.CardTokenizeResponse](s.logger, mservice.MntxGateway, err)
+	}
+	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] {
+	if s.card == nil {
+		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 {
+		return gsresponse.Auto[mntxv1.GetCardPayoutStatusResponse](s.logger, mservice.MntxGateway, err)
+	}
+	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.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())
+	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.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())
+	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
+}
+
+func buildCardPayoutRequest(projectID int64, req *mntxv1.CardPayoutRequest) monetix.CardPayoutRequest {
+	card := monetix.Card{
+		PAN:        req.GetCardPan(),
+		Year:       int(req.GetCardExpYear()),
+		Month:      int(req.GetCardExpMonth()),
+		CardHolder: req.GetCardHolder(),
+	}
+
+	return monetix.CardPayoutRequest{
+		General: monetix.General{
+			ProjectID: projectID,
+			PaymentID: req.GetPayoutId(),
+		},
+		Customer: monetix.Customer{
+			ID:        req.GetCustomerId(),
+			FirstName: req.GetCustomerFirstName(),
+			Middle:    req.GetCustomerMiddleName(),
+			LastName:  req.GetCustomerLastName(),
+			IP:        req.GetCustomerIp(),
+			Zip:       req.GetCustomerZip(),
+			Country:   req.GetCustomerCountry(),
+			State:     req.GetCustomerState(),
+			City:      req.GetCustomerCity(),
+			Address:   req.GetCustomerAddress(),
+		},
+		Payment: monetix.Payment{
+			Amount:   req.GetAmountMinor(),
+			Currency: strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
+		},
+		Card: card,
+	}
+}
+
+func buildCardTokenPayoutRequest(projectID int64, req *mntxv1.CardTokenPayoutRequest) monetix.CardTokenPayoutRequest {
+	return monetix.CardTokenPayoutRequest{
+		General: monetix.General{
+			ProjectID: projectID,
+			PaymentID: req.GetPayoutId(),
+		},
+		Customer: monetix.Customer{
+			ID:        req.GetCustomerId(),
+			FirstName: req.GetCustomerFirstName(),
+			Middle:    req.GetCustomerMiddleName(),
+			LastName:  req.GetCustomerLastName(),
+			IP:        req.GetCustomerIp(),
+			Zip:       req.GetCustomerZip(),
+			Country:   req.GetCustomerCountry(),
+			State:     req.GetCustomerState(),
+			City:      req.GetCustomerCity(),
+			Address:   req.GetCustomerAddress(),
+		},
+		Payment: monetix.Payment{
+			Amount:   req.GetAmountMinor(),
+			Currency: strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
+		},
+		Token: monetix.Token{
+			CardToken:  req.GetCardToken(),
+			CardHolder: req.GetCardHolder(),
+			MaskedPAN:  req.GetMaskedPan(),
+		},
+	}
+}
+
+func buildCardTokenizeRequest(projectID int64, req *mntxv1.CardTokenizeRequest, card *tokenizeCardInput) monetix.CardTokenizeRequest {
+	tokenizeCard := monetix.CardTokenize{
+		PAN:        card.pan,
+		Year:       int(card.year),
+		Month:      int(card.month),
+		CardHolder: card.holder,
+		CVV:        card.cvv,
+	}
+
+	return monetix.CardTokenizeRequest{
+		General: monetix.General{
+			ProjectID: projectID,
+			PaymentID: req.GetRequestId(),
+		},
+		Customer: monetix.Customer{
+			ID:        req.GetCustomerId(),
+			FirstName: req.GetCustomerFirstName(),
+			Middle:    req.GetCustomerMiddleName(),
+			LastName:  req.GetCustomerLastName(),
+			IP:        req.GetCustomerIp(),
+			Zip:       req.GetCustomerZip(),
+			Country:   req.GetCustomerCountry(),
+			State:     req.GetCustomerState(),
+			City:      req.GetCustomerCity(),
+			Address:   req.GetCustomerAddress(),
+		},
+		Card: tokenizeCard,
+	}
+}

api/gateway/mntx/internal/service/gateway/card_payout_store.go

@@ -0,0 +1,55 @@
+package gateway
+
+import (
+	"strings"
+	"sync"
+
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/proto"
+)
+
+type cardPayoutStore struct {
+	mu      sync.RWMutex
+	payouts map[string]*mntxv1.CardPayoutState
+}
+
+func newCardPayoutStore() *cardPayoutStore {
+	return &cardPayoutStore{
+		payouts: make(map[string]*mntxv1.CardPayoutState),
+	}
+}
+
+func (s *cardPayoutStore) Save(p *mntxv1.CardPayoutState) {
+	if p == nil {
+		return
+	}
+	key := strings.TrimSpace(p.GetPayoutId())
+	if key == "" {
+		return
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	s.payouts[key] = cloneCardPayoutState(p)
+}
+
+func (s *cardPayoutStore) Get(payoutID string) (*mntxv1.CardPayoutState, bool) {
+	id := strings.TrimSpace(payoutID)
+	if id == "" {
+		return nil, false
+	}
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+	val, ok := s.payouts[id]
+	return cloneCardPayoutState(val), ok
+}
+
+func cloneCardPayoutState(p *mntxv1.CardPayoutState) *mntxv1.CardPayoutState {
+	if p == nil {
+		return nil
+	}
+	cloned := proto.Clone(p)
+	if cp, ok := cloned.(*mntxv1.CardPayoutState); ok {
+		return cp
+	}
+	return nil
+}

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

@@ -0,0 +1,83 @@
+package gateway
+
+import (
+	"strconv"
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func validateCardPayoutRequest(req *mntxv1.CardPayoutRequest, cfg monetix.Config) error {
+	if req == nil {
+		return newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+
+	if strings.TrimSpace(req.GetPayoutId()) == "" {
+		return newPayoutError("missing_payout_id", merrors.InvalidArgument("payout_id is required", "payout_id"))
+	}
+	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
+}

api/gateway/mntx/internal/service/gateway/card_processor.go

@@ -0,0 +1,352 @@
+package gateway
+
+import (
+	"context"
+	"encoding/json"
+	"net/http"
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
+	messaging "github.com/tech/sendico/pkg/messaging/envelope"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/model"
+	nm "github.com/tech/sendico/pkg/model/notification"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+	"google.golang.org/protobuf/encoding/protojson"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+type cardPayoutProcessor struct {
+	logger     mlogger.Logger
+	config     monetix.Config
+	clock      clockpkg.Clock
+	store      *cardPayoutStore
+	httpClient *http.Client
+	producer   msg.Producer
+}
+
+func newCardPayoutProcessor(logger mlogger.Logger, cfg monetix.Config, clock clockpkg.Clock, store *cardPayoutStore, client *http.Client, producer msg.Producer) *cardPayoutProcessor {
+	return &cardPayoutProcessor{
+		logger:     logger.Named("card_payout_processor"),
+		config:     cfg,
+		clock:      clock,
+		store:      store,
+		httpClient: client,
+		producer:   producer,
+	}
+}
+
+func (p *cardPayoutProcessor) Submit(ctx context.Context, req *mntxv1.CardPayoutRequest) (*mntxv1.CardPayoutResponse, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+	if strings.TrimSpace(p.config.BaseURL) == "" || strings.TrimSpace(p.config.SecretKey) == "" {
+		p.logger.Warn("monetix configuration is incomplete for payout submission")
+		return nil, merrors.Internal("monetix configuration is incomplete")
+	}
+
+	req = sanitizeCardPayoutRequest(req)
+	if err := validateCardPayoutRequest(req, p.config); err != nil {
+		p.logger.Warn("card payout validation failed",
+			zap.String("payout_id", req.GetPayoutId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	projectID := req.GetProjectId()
+	if projectID == 0 {
+		projectID = p.config.ProjectID
+	}
+	if projectID == 0 {
+		p.logger.Warn("monetix project_id is not configured", zap.String("payout_id", req.GetPayoutId()))
+		return nil, merrors.Internal("monetix project_id is not configured")
+	}
+
+	now := timestamppb.New(p.clock.Now())
+	state := &mntxv1.CardPayoutState{
+		PayoutId:    req.GetPayoutId(),
+		ProjectId:   projectID,
+		CustomerId:  req.GetCustomerId(),
+		AmountMinor: req.GetAmountMinor(),
+		Currency:    strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
+		Status:      mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
+		CreatedAt:   now,
+		UpdatedAt:   now,
+	}
+
+	if existing, ok := p.store.Get(state.GetPayoutId()); ok && existing != nil {
+		if existing.GetCreatedAt() != nil {
+			state.CreatedAt = existing.GetCreatedAt()
+		}
+	}
+
+	client := monetix.NewClient(p.config, p.httpClient, p.logger)
+	apiReq := buildCardPayoutRequest(projectID, req)
+	result, err := client.CreateCardPayout(ctx, apiReq)
+	if err != nil {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		state.ProviderMessage = err.Error()
+		state.UpdatedAt = timestamppb.New(p.clock.Now())
+		p.store.Save(state)
+		p.logger.Warn("monetix payout submission failed",
+			zap.String("payout_id", req.GetPayoutId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	state.ProviderPaymentId = result.ProviderRequestID
+	if result.Accepted {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING
+	} else {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		state.ProviderCode = result.ErrorCode
+		state.ProviderMessage = result.ErrorMessage
+	}
+	state.UpdatedAt = timestamppb.New(p.clock.Now())
+	p.store.Save(state)
+
+	resp := &mntxv1.CardPayoutResponse{
+		Payout:            state,
+		Accepted:          result.Accepted,
+		ProviderRequestId: result.ProviderRequestID,
+		ErrorCode:         result.ErrorCode,
+		ErrorMessage:      result.ErrorMessage,
+	}
+
+	return resp, nil
+}
+
+func (p *cardPayoutProcessor) SubmitToken(ctx context.Context, req *mntxv1.CardTokenPayoutRequest) (*mntxv1.CardTokenPayoutResponse, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+	if strings.TrimSpace(p.config.BaseURL) == "" || strings.TrimSpace(p.config.SecretKey) == "" {
+		p.logger.Warn("monetix configuration is incomplete for token payout submission")
+		return nil, merrors.Internal("monetix configuration is incomplete")
+	}
+
+	req = sanitizeCardTokenPayoutRequest(req)
+	if err := validateCardTokenPayoutRequest(req, p.config); err != nil {
+		p.logger.Warn("card token payout validation failed",
+			zap.String("payout_id", req.GetPayoutId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	projectID := req.GetProjectId()
+	if projectID == 0 {
+		projectID = p.config.ProjectID
+	}
+	if projectID == 0 {
+		p.logger.Warn("monetix project_id is not configured", zap.String("payout_id", req.GetPayoutId()))
+		return nil, merrors.Internal("monetix project_id is not configured")
+	}
+
+	now := timestamppb.New(p.clock.Now())
+	state := &mntxv1.CardPayoutState{
+		PayoutId:    req.GetPayoutId(),
+		ProjectId:   projectID,
+		CustomerId:  req.GetCustomerId(),
+		AmountMinor: req.GetAmountMinor(),
+		Currency:    strings.ToUpper(strings.TrimSpace(req.GetCurrency())),
+		Status:      mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
+		CreatedAt:   now,
+		UpdatedAt:   now,
+	}
+
+	if existing, ok := p.store.Get(state.GetPayoutId()); ok && existing != nil {
+		if existing.GetCreatedAt() != nil {
+			state.CreatedAt = existing.GetCreatedAt()
+		}
+	}
+
+	client := monetix.NewClient(p.config, p.httpClient, p.logger)
+	apiReq := buildCardTokenPayoutRequest(projectID, req)
+	result, err := client.CreateCardTokenPayout(ctx, apiReq)
+	if err != nil {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		state.ProviderMessage = err.Error()
+		state.UpdatedAt = timestamppb.New(p.clock.Now())
+		p.store.Save(state)
+		p.logger.Warn("monetix token payout submission failed",
+			zap.String("payout_id", req.GetPayoutId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	state.ProviderPaymentId = result.ProviderRequestID
+	if result.Accepted {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING
+	} else {
+		state.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		state.ProviderCode = result.ErrorCode
+		state.ProviderMessage = result.ErrorMessage
+	}
+	state.UpdatedAt = timestamppb.New(p.clock.Now())
+	p.store.Save(state)
+
+	resp := &mntxv1.CardTokenPayoutResponse{
+		Payout:            state,
+		Accepted:          result.Accepted,
+		ProviderRequestId: result.ProviderRequestID,
+		ErrorCode:         result.ErrorCode,
+		ErrorMessage:      result.ErrorMessage,
+	}
+
+	return resp, nil
+}
+
+func (p *cardPayoutProcessor) Tokenize(ctx context.Context, req *mntxv1.CardTokenizeRequest) (*mntxv1.CardTokenizeResponse, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+	cardInput, err := validateCardTokenizeRequest(req, p.config)
+	if err != nil {
+		p.logger.Warn("card tokenization validation failed",
+			zap.String("request_id", req.GetRequestId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	projectID := req.GetProjectId()
+	if projectID == 0 {
+		projectID = p.config.ProjectID
+	}
+	if projectID == 0 {
+		p.logger.Warn("monetix project_id is not configured", zap.String("request_id", req.GetRequestId()))
+		return nil, merrors.Internal("monetix project_id is not configured")
+	}
+
+	req = sanitizeCardTokenizeRequest(req)
+	cardInput = extractTokenizeCard(req)
+	client := monetix.NewClient(p.config, p.httpClient, p.logger)
+	apiReq := buildCardTokenizeRequest(projectID, req, cardInput)
+	result, err := client.CreateCardTokenization(ctx, apiReq)
+	if err != nil {
+		p.logger.Warn("monetix tokenization request failed",
+			zap.String("request_id", req.GetRequestId()),
+			zap.String("customer_id", req.GetCustomerId()),
+			zap.Error(err),
+		)
+		return nil, err
+	}
+
+	resp := &mntxv1.CardTokenizeResponse{
+		RequestId:    req.GetRequestId(),
+		Success:      result.Accepted,
+		ErrorCode:    result.ErrorCode,
+		ErrorMessage: result.ErrorMessage,
+	}
+	resp.Token = result.Token
+	resp.MaskedPan = result.MaskedPAN
+	resp.ExpiryMonth = result.ExpiryMonth
+	resp.ExpiryYear = result.ExpiryYear
+	resp.CardBrand = result.CardBrand
+
+	return resp, nil
+}
+
+func (p *cardPayoutProcessor) Status(_ context.Context, payoutID string) (*mntxv1.CardPayoutState, error) {
+	if p == nil {
+		return nil, merrors.Internal("card payout processor not initialised")
+	}
+
+	id := strings.TrimSpace(payoutID)
+	if id == "" {
+		p.logger.Warn("payout status requested with empty payout_id")
+		return nil, merrors.InvalidArgument("payout_id is required", "payout_id")
+	}
+
+	state, ok := p.store.Get(id)
+	if !ok || state == nil {
+		p.logger.Warn("payout status not found", zap.String("payout_id", id))
+		return nil, merrors.NoData("payout not found")
+	}
+	return state, nil
+}
+
+func (p *cardPayoutProcessor) ProcessCallback(ctx context.Context, payload []byte) (int, error) {
+	if p == nil {
+		return http.StatusInternalServerError, merrors.Internal("card payout processor not initialised")
+	}
+	if len(payload) == 0 {
+		p.logger.Warn("received empty Monetix callback payload")
+		return http.StatusBadRequest, merrors.InvalidArgument("callback body is empty")
+	}
+	if strings.TrimSpace(p.config.SecretKey) == "" {
+		p.logger.Warn("monetix secret key is not configured; cannot verify callback")
+		return http.StatusInternalServerError, merrors.Internal("monetix secret key is not configured")
+	}
+
+	var cb monetixCallback
+	if err := json.Unmarshal(payload, &cb); err != nil {
+		p.logger.Warn("failed to unmarshal Monetix callback", zap.Error(err))
+		return http.StatusBadRequest, err
+	}
+
+	if strings.TrimSpace(cb.Signature) == "" {
+		p.logger.Warn("Monetix callback signature is missing", zap.String("payout_id", cb.Payment.ID))
+		return http.StatusBadRequest, merrors.InvalidArgument("signature is missing")
+	}
+	if err := verifyCallbackSignature(cb, p.config.SecretKey); err != nil {
+		p.logger.Warn("Monetix callback signature check failed", zap.Error(err))
+		return http.StatusForbidden, err
+	}
+
+	state, statusLabel := mapCallbackToState(p.clock, p.config, cb)
+	if existing, ok := p.store.Get(state.GetPayoutId()); ok && existing != nil {
+		if existing.GetCreatedAt() != nil {
+			state.CreatedAt = existing.GetCreatedAt()
+		}
+	}
+	p.store.Save(state)
+	p.emitCardPayoutEvent(state)
+	monetix.ObserveCallback(statusLabel)
+
+	p.logger.Info("Monetix payout callback processed",
+		zap.String("payout_id", state.GetPayoutId()),
+		zap.String("status", statusLabel),
+		zap.String("provider_code", state.GetProviderCode()),
+		zap.String("provider_message", state.GetProviderMessage()),
+		zap.String("masked_account", cb.Account.Number),
+	)
+
+	return http.StatusOK, nil
+}
+
+func (p *cardPayoutProcessor) emitCardPayoutEvent(state *mntxv1.CardPayoutState) {
+	if state == nil || p.producer == nil {
+		return
+	}
+
+	event := &mntxv1.CardPayoutStatusChangedEvent{Payout: state}
+	payload, err := protojson.Marshal(event)
+	if err != nil {
+		p.logger.Warn("failed to marshal payout callback event", zap.Error(err))
+		return
+	}
+
+	env := messaging.CreateEnvelope(string(mservice.MntxGateway), model.NewNotification(mservice.MntxGateway, nm.NAUpdated))
+	if _, err := env.Wrap(payload); err != nil {
+		p.logger.Warn("failed to wrap payout callback event payload", zap.Error(err))
+		return
+	}
+	if err := p.producer.SendMessage(env); err != nil {
+		p.logger.Warn("failed to publish payout callback event", zap.Error(err))
+	}
+}

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

@@ -0,0 +1,63 @@
+package gateway
+
+import (
+	"strings"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/merrors"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func validateCardTokenPayoutRequest(req *mntxv1.CardTokenPayoutRequest, cfg monetix.Config) error {
+	if req == nil {
+		return newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+
+	if strings.TrimSpace(req.GetPayoutId()) == "" {
+		return newPayoutError("missing_payout_id", merrors.InvalidArgument("payout_id is required", "payout_id"))
+	}
+	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/mntx/internal/service/gateway/card_tokenize_validation.go

@@ -0,0 +1,108 @@
+package gateway
+
+import (
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"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 monetix.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/mntx/internal/service/gateway/metrics.go

@@ -0,0 +1,174 @@
+package gateway
+
+import (
+	"errors"
+	"strings"
+	"sync"
+	"time"
+
+	"github.com/prometheus/client_golang/prometheus"
+	"github.com/prometheus/client_golang/prometheus/promauto"
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+)
+
+var (
+	metricsOnce sync.Once
+
+	rpcLatency *prometheus.HistogramVec
+	rpcStatus  *prometheus.CounterVec
+
+	payoutCounter       *prometheus.CounterVec
+	payoutAmountTotal   *prometheus.CounterVec
+	payoutErrorCount    *prometheus.CounterVec
+	payoutMissedAmounts *prometheus.CounterVec
+)
+
+func initMetrics() {
+	metricsOnce.Do(func() {
+		rpcLatency = promauto.NewHistogramVec(prometheus.HistogramOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "rpc_latency_seconds",
+			Help:      "Latency distribution for Monetix gateway RPC handlers.",
+			Buckets:   prometheus.DefBuckets,
+		}, []string{"method"})
+
+		rpcStatus = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "rpc_requests_total",
+			Help:      "Total number of RPC invocations grouped by method and status.",
+		}, []string{"method", "status"})
+
+		payoutCounter = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "payouts_total",
+			Help:      "Total payouts processed grouped by outcome.",
+		}, []string{"status"})
+
+		payoutAmountTotal = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "payout_amount_total",
+			Help:      "Total payout amount grouped by outcome and currency.",
+		}, []string{"status", "currency"})
+
+		payoutErrorCount = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "payout_errors_total",
+			Help:      "Payout failures grouped by reason.",
+		}, []string{"reason"})
+
+		payoutMissedAmounts = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "payout_missed_amount_total",
+			Help:      "Total payout volume that failed grouped by reason and currency.",
+		}, []string{"reason", "currency"})
+	})
+}
+
+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 observePayoutSuccess(amount *moneyv1.Money) {
+	if payoutCounter != nil {
+		payoutCounter.WithLabelValues("processed").Inc()
+	}
+	value, currency := monetaryValue(amount)
+	if value > 0 && payoutAmountTotal != nil {
+		payoutAmountTotal.WithLabelValues("processed", currency).Add(value)
+	}
+}
+
+func observePayoutError(reason string, amount *moneyv1.Money) {
+	reason = reasonLabel(reason)
+	if payoutCounter != nil {
+		payoutCounter.WithLabelValues("failed").Inc()
+	}
+	if payoutErrorCount != nil {
+		payoutErrorCount.WithLabelValues(reason).Inc()
+	}
+	value, currency := monetaryValue(amount)
+	if value <= 0 {
+		return
+	}
+	if payoutAmountTotal != nil {
+		payoutAmountTotal.WithLabelValues("failed", currency).Add(value)
+	}
+	if payoutMissedAmounts != nil {
+		payoutMissedAmounts.WithLabelValues(reason, currency).Add(value)
+	}
+}
+
+func monetaryValue(amount *moneyv1.Money) (float64, string) {
+	if amount == nil {
+		return 0, "unknown"
+	}
+	val := strings.TrimSpace(amount.Amount)
+	if val == "" {
+		return 0, currencyLabel(amount.Currency)
+	}
+	dec, err := decimal.NewFromString(val)
+	if err != nil {
+		return 0, currencyLabel(amount.Currency)
+	}
+	f, _ := dec.Float64()
+	if f < 0 {
+		return 0, currencyLabel(amount.Currency)
+	}
+	return f, currencyLabel(amount.Currency)
+}
+
+func currencyLabel(code string) string {
+	code = strings.ToUpper(strings.TrimSpace(code))
+	if code == "" {
+		return "unknown"
+	}
+	return code
+}
+
+func reasonLabel(reason string) string {
+	reason = strings.TrimSpace(reason)
+	if reason == "" {
+		return "unknown"
+	}
+	return strings.ToLower(reason)
+}
+
+func statusLabel(err error) string {
+	switch {
+	case err == nil:
+		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"
+	}
+}
+
+func normalizeCallbackStatus(status string) string {
+	status = strings.TrimSpace(status)
+	if status == "" {
+		return "unknown"
+	}
+	return strings.ToLower(status)
+}

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

@@ -0,0 +1,44 @@
+package gateway
+
+import (
+	"net/http"
+
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/clock"
+	msg "github.com/tech/sendico/pkg/messaging"
+)
+
+// 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
+	}
+}
+
+// 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
+		}
+	}
+}
+
+// WithMonetixConfig sets the Monetix connectivity options.
+func WithMonetixConfig(cfg monetix.Config) Option {
+	return func(s *Service) {
+		s.config = cfg
+	}
+}

api/gateway/mntx/internal/service/gateway/payout_get.go

@@ -0,0 +1,30 @@
+package gateway
+
+import (
+	"context"
+	"fmt"
+	"strings"
+
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func (s *Service) GetPayout(ctx context.Context, req *mntxv1.GetPayoutRequest) (*mntxv1.GetPayoutResponse, error) {
+	return executeUnary(ctx, s, "GetPayout", s.handleGetPayout, req)
+}
+
+func (s *Service) handleGetPayout(_ context.Context, req *mntxv1.GetPayoutRequest) gsresponse.Responder[mntxv1.GetPayoutResponse] {
+	ref := strings.TrimSpace(req.GetPayoutRef())
+	if ref == "" {
+		return gsresponse.InvalidArgument[mntxv1.GetPayoutResponse](s.logger, mservice.MntxGateway, merrors.InvalidArgument("payout_ref is required", "payout_ref"))
+	}
+
+	payout, ok := s.store.Get(ref)
+	if !ok {
+		return gsresponse.NotFound[mntxv1.GetPayoutResponse](s.logger, mservice.MntxGateway, merrors.NoData(fmt.Sprintf("payout %s not found", ref)))
+	}
+
+	return gsresponse.Success(&mntxv1.GetPayoutResponse{Payout: payout})
+}

api/gateway/mntx/internal/service/gateway/payout_store.go

@@ -0,0 +1,46 @@
+package gateway
+
+import (
+	"sync"
+
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/protobuf/proto"
+)
+
+type payoutStore struct {
+	mu      sync.RWMutex
+	payouts map[string]*mntxv1.Payout
+}
+
+func newPayoutStore() *payoutStore {
+	return &payoutStore{
+		payouts: make(map[string]*mntxv1.Payout),
+	}
+}
+
+func (s *payoutStore) Save(p *mntxv1.Payout) {
+	if p == nil {
+		return
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	s.payouts[p.GetPayoutRef()] = clonePayout(p)
+}
+
+func (s *payoutStore) Get(ref string) (*mntxv1.Payout, bool) {
+	s.mu.RLock()
+	defer s.mu.RUnlock()
+	p, ok := s.payouts[ref]
+	return clonePayout(p), ok
+}
+
+func clonePayout(p *mntxv1.Payout) *mntxv1.Payout {
+	if p == nil {
+		return nil
+	}
+	cloned := proto.Clone(p)
+	if cp, ok := cloned.(*mntxv1.Payout); ok {
+		return cp
+	}
+	return nil
+}

api/gateway/mntx/internal/service/gateway/payout_submit.go

@@ -0,0 +1,131 @@
+package gateway
+
+import (
+	"context"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
+	messaging "github.com/tech/sendico/pkg/messaging/envelope"
+	"github.com/tech/sendico/pkg/model"
+	nm "github.com/tech/sendico/pkg/model/notification"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"go.uber.org/zap"
+	"google.golang.org/protobuf/encoding/protojson"
+	"google.golang.org/protobuf/types/known/timestamppb"
+)
+
+func (s *Service) SubmitPayout(ctx context.Context, req *mntxv1.SubmitPayoutRequest) (*mntxv1.SubmitPayoutResponse, error) {
+	return executeUnary(ctx, s, "SubmitPayout", s.handleSubmitPayout, req)
+}
+
+func (s *Service) handleSubmitPayout(_ context.Context, req *mntxv1.SubmitPayoutRequest) gsresponse.Responder[mntxv1.SubmitPayoutResponse] {
+	payout, err := s.buildPayout(req)
+	if err != nil {
+		return gsresponse.Auto[mntxv1.SubmitPayoutResponse](s.logger, mservice.MntxGateway, err)
+	}
+
+	s.store.Save(payout)
+	s.emitEvent(payout, nm.NAPending)
+	go s.completePayout(payout, strings.TrimSpace(req.GetSimulatedFailureReason()))
+
+	return gsresponse.Success(&mntxv1.SubmitPayoutResponse{Payout: payout})
+}
+
+func (s *Service) buildPayout(req *mntxv1.SubmitPayoutRequest) (*mntxv1.Payout, error) {
+	if req == nil {
+		return nil, newPayoutError("invalid_request", merrors.InvalidArgument("request cannot be empty"))
+	}
+
+	idempotencyKey := strings.TrimSpace(req.IdempotencyKey)
+	if idempotencyKey == "" {
+		return nil, newPayoutError("missing_idempotency_key", merrors.InvalidArgument("idempotency_key is required", "idempotency_key"))
+	}
+
+	orgRef := strings.TrimSpace(req.OrganizationRef)
+	if orgRef == "" {
+		return nil, newPayoutError("missing_organization_ref", merrors.InvalidArgument("organization_ref is required", "organization_ref"))
+	}
+
+	if err := validateAmount(req.Amount); err != nil {
+		return nil, err
+	}
+
+	if err := validateDestination(req.Destination); err != nil {
+		return nil, err
+	}
+
+	if reason := strings.TrimSpace(req.SimulatedFailureReason); reason != "" {
+		return nil, newPayoutError(normalizeReason(reason), merrors.InvalidArgument("simulated payout failure requested"))
+	}
+
+	now := timestamppb.New(s.clock.Now())
+	payout := &mntxv1.Payout{
+		PayoutRef:       newPayoutRef(),
+		IdempotencyKey:  idempotencyKey,
+		OrganizationRef: orgRef,
+		Destination:     req.Destination,
+		Amount:          req.Amount,
+		Description:     strings.TrimSpace(req.Description),
+		Metadata:        req.Metadata,
+		Status:          mntxv1.PayoutStatus_PAYOUT_STATUS_PENDING,
+		CreatedAt:       now,
+		UpdatedAt:       now,
+	}
+
+	return payout, nil
+}
+
+func (s *Service) completePayout(original *mntxv1.Payout, simulatedFailure string) {
+	outcome := clonePayout(original)
+	if outcome == nil {
+		return
+	}
+
+	// Simulate async processing delay for realism.
+	time.Sleep(150 * time.Millisecond)
+
+	outcome.UpdatedAt = timestamppb.New(s.clock.Now())
+
+	if simulatedFailure != "" {
+		outcome.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_FAILED
+		outcome.FailureReason = simulatedFailure
+		observePayoutError(simulatedFailure, outcome.Amount)
+		s.store.Save(outcome)
+		s.emitEvent(outcome, nm.NAUpdated)
+		return
+	}
+
+	outcome.Status = mntxv1.PayoutStatus_PAYOUT_STATUS_PROCESSED
+	observePayoutSuccess(outcome.Amount)
+	s.store.Save(outcome)
+	s.emitEvent(outcome, nm.NAUpdated)
+}
+
+func (s *Service) emitEvent(payout *mntxv1.Payout, action nm.NotificationAction) {
+	if payout == nil || s.producer == nil {
+		return
+	}
+
+	payload, err := protojson.Marshal(&mntxv1.PayoutStatusChangedEvent{Payout: payout})
+	if err != nil {
+		s.logger.Warn("failed to marshal payout event", zapError(err))
+		return
+	}
+
+	env := messaging.CreateEnvelope(string(mservice.MntxGateway), model.NewNotification(mservice.MntxGateway, action))
+	if _, err := env.Wrap(payload); err != nil {
+		s.logger.Warn("failed to wrap payout event payload", zapError(err))
+		return
+	}
+
+	if err := s.producer.SendMessage(env); err != nil {
+		s.logger.Warn("failed to publish payout event", zapError(err))
+	}
+}
+
+func zapError(err error) zap.Field {
+	return zap.Error(err)
+}

api/gateway/mntx/internal/service/gateway/payout_validation.go

@@ -0,0 +1,106 @@
+package gateway
+
+import (
+	"strconv"
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/pkg/merrors"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+)
+
+func validateAmount(amount *moneyv1.Money) error {
+	if amount == nil {
+		return newPayoutError("missing_amount", merrors.InvalidArgument("amount is required", "amount"))
+	}
+
+	if strings.TrimSpace(amount.Currency) == "" {
+		return newPayoutError("missing_currency", merrors.InvalidArgument("amount currency is required", "amount.currency"))
+	}
+
+	val := strings.TrimSpace(amount.Amount)
+	if val == "" {
+		return newPayoutError("missing_amount_value", merrors.InvalidArgument("amount value is required", "amount.amount"))
+	}
+	dec, err := decimal.NewFromString(val)
+	if err != nil {
+		return newPayoutError("invalid_amount", merrors.InvalidArgument("amount must be a decimal value", "amount.amount"))
+	}
+	if dec.Sign() <= 0 {
+		return newPayoutError("non_positive_amount", merrors.InvalidArgument("amount must be positive", "amount.amount"))
+	}
+	return nil
+}
+
+func validateDestination(dest *mntxv1.PayoutDestination) error {
+	if dest == nil {
+		return newPayoutError("missing_destination", merrors.InvalidArgument("destination is required", "destination"))
+	}
+
+	if bank := dest.GetBankAccount(); bank != nil {
+		return validateBankAccount(bank)
+	}
+
+	if card := dest.GetCard(); card != nil {
+		return validateCardDestination(card)
+	}
+
+	return newPayoutError("invalid_destination", merrors.InvalidArgument("destination must include bank_account or card", "destination"))
+}
+
+func validateBankAccount(dest *mntxv1.BankAccount) error {
+	if dest == nil {
+		return newPayoutError("missing_destination", merrors.InvalidArgument("destination is required", "destination"))
+	}
+	iban := strings.TrimSpace(dest.Iban)
+	holder := strings.TrimSpace(dest.AccountHolder)
+
+	if iban == "" && holder == "" {
+		return newPayoutError("invalid_destination", merrors.InvalidArgument("destination must include iban or account_holder", "destination"))
+	}
+	return nil
+}
+
+func validateCardDestination(card *mntxv1.CardDestination) error {
+	if card == nil {
+		return newPayoutError("missing_destination", merrors.InvalidArgument("destination.card is required", "destination.card"))
+	}
+
+	pan := strings.TrimSpace(card.GetPan())
+	token := strings.TrimSpace(card.GetToken())
+	if pan == "" && token == "" {
+		return newPayoutError("invalid_card_destination", merrors.InvalidArgument("card destination must include pan or token", "destination.card"))
+	}
+
+	if strings.TrimSpace(card.GetCardholderName()) == "" {
+		return newPayoutError("missing_cardholder_name", merrors.InvalidArgument("cardholder_name is required", "destination.card.cardholder_name"))
+	}
+
+	month := strings.TrimSpace(card.GetExpMonth())
+	year := strings.TrimSpace(card.GetExpYear())
+	if pan != "" {
+		if err := validateExpiry(month, year); err != nil {
+			return err
+		}
+	}
+
+	return nil
+}
+
+func validateExpiry(month, year string) error {
+	if month == "" || year == "" {
+		return newPayoutError("missing_expiry", merrors.InvalidArgument("exp_month and exp_year are required for card payouts", "destination.card.expiry"))
+	}
+
+	m, err := strconv.Atoi(month)
+	if err != nil || m < 1 || m > 12 {
+		return newPayoutError("invalid_expiry_month", merrors.InvalidArgument("exp_month must be between 01 and 12", "destination.card.exp_month"))
+	}
+
+	if _, err := strconv.Atoi(year); err != nil || len(year) < 2 {
+		return newPayoutError("invalid_expiry_year", merrors.InvalidArgument("exp_year must be numeric", "destination.card.exp_year"))
+	}
+
+	return nil
+}

api/gateway/mntx/internal/service/gateway/service.go

@@ -0,0 +1,119 @@
+package gateway
+
+import (
+	"context"
+	"net/http"
+	"strings"
+
+	"github.com/google/uuid"
+	"github.com/tech/sendico/gateway/mntx/internal/service/monetix"
+	"github.com/tech/sendico/pkg/api/routers"
+	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	clockpkg "github.com/tech/sendico/pkg/clock"
+	msg "github.com/tech/sendico/pkg/messaging"
+	"github.com/tech/sendico/pkg/mlogger"
+	"github.com/tech/sendico/pkg/mservice"
+	mntxv1 "github.com/tech/sendico/pkg/proto/gateway/mntx/v1"
+	"google.golang.org/grpc"
+)
+
+type Service struct {
+	logger     mlogger.Logger
+	clock      clockpkg.Clock
+	producer   msg.Producer
+	store      *payoutStore
+	cardStore  *cardPayoutStore
+	config     monetix.Config
+	httpClient *http.Client
+	card       *cardPayoutProcessor
+
+	mntxv1.UnimplementedMntxGatewayServiceServer
+}
+
+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 Monetix gateway service skeleton.
+func NewService(logger mlogger.Logger, opts ...Option) *Service {
+	svc := &Service{
+		logger:    logger.Named("service"),
+		clock:     clockpkg.NewSystem(),
+		store:     newPayoutStore(),
+		cardStore: newCardPayoutStore(),
+		config:    monetix.DefaultConfig(),
+	}
+
+	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()
+	}
+
+	if svc.cardStore == nil {
+		svc.cardStore = newCardPayoutStore()
+	}
+
+	svc.card = newCardPayoutProcessor(svc.logger, svc.config, svc.clock, svc.cardStore, svc.httpClient, svc.producer)
+
+	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) {
+		mntxv1.RegisterMntxGatewayServiceServer(reg, s)
+	})
+}
+
+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) {
+	start := svc.clock.Now()
+	resp, err := gsresponse.Unary(svc.logger, mservice.MntxGateway, handler)(ctx, req)
+	observeRPC(method, err, svc.clock.Now().Sub(start))
+	return resp, err
+}
+
+func newPayoutRef() string {
+	return "pyt_" + strings.ReplaceAll(uuid.New().String(), "-", "")
+}
+
+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,
+	}
+}

api/gateway/mntx/internal/service/monetix/client.go

@@ -0,0 +1,65 @@
+package monetix
+
+import (
+	"context"
+	"crypto/hmac"
+	"crypto/sha256"
+	"encoding/hex"
+	"encoding/json"
+	"net/http"
+
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.uber.org/zap"
+)
+
+type Client struct {
+	cfg    Config
+	client *http.Client
+	logger mlogger.Logger
+}
+
+func NewClient(cfg Config, httpClient *http.Client, logger mlogger.Logger) *Client {
+	client := httpClient
+	if client == nil {
+		client = &http.Client{Timeout: cfg.timeout()}
+	}
+	cl := logger
+	if cl == nil {
+		cl = zap.NewNop()
+	}
+	return &Client{
+		cfg:    cfg,
+		client: client,
+		logger: cl.Named("client"),
+	}
+}
+
+func (c *Client) CreateCardPayout(ctx context.Context, req CardPayoutRequest) (*CardPayoutSendResult, error) {
+	return c.sendCardPayout(ctx, req)
+}
+
+func (c *Client) CreateCardTokenPayout(ctx context.Context, req CardTokenPayoutRequest) (*CardPayoutSendResult, error) {
+	return c.sendCardTokenPayout(ctx, req)
+}
+
+func (c *Client) CreateCardTokenization(ctx context.Context, req CardTokenizeRequest) (*TokenizationResult, error) {
+	return c.sendTokenization(ctx, req)
+}
+
+func signPayload(payload any, secret string) (string, error) {
+	data, err := json.Marshal(payload)
+	if err != nil {
+		return "", err
+	}
+
+	h := hmac.New(sha256.New, []byte(secret))
+	if _, err := h.Write(data); err != nil {
+		return "", err
+	}
+	return hex.EncodeToString(h.Sum(nil)), nil
+}
+
+// SignPayload exposes signature calculation for callback verification.
+func SignPayload(payload any, secret string) (string, error) {
+	return signPayload(payload, secret)
+}

api/gateway/mntx/internal/service/monetix/config.go

@@ -0,0 +1,78 @@
+package monetix
+
+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 Monetix.
+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/mntx/internal/service/monetix/mask.go

@@ -0,0 +1,21 @@
+package monetix
+
+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/mntx/internal/service/monetix/metrics.go

@@ -0,0 +1,71 @@
+package monetix
+
+import (
+	"strings"
+	"sync"
+	"time"
+
+	"github.com/prometheus/client_golang/prometheus"
+	"github.com/prometheus/client_golang/prometheus/promauto"
+)
+
+var (
+	metricsOnce sync.Once
+
+	cardPayoutRequests  *prometheus.CounterVec
+	cardPayoutCallbacks *prometheus.CounterVec
+	cardPayoutLatency   *prometheus.HistogramVec
+)
+
+func initMetrics() {
+	metricsOnce.Do(func() {
+		cardPayoutRequests = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "card_payout_requests_total",
+			Help:      "Monetix card payout submissions grouped by outcome.",
+		}, []string{"outcome"})
+
+		cardPayoutCallbacks = promauto.NewCounterVec(prometheus.CounterOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "card_payout_callbacks_total",
+			Help:      "Monetix card payout callbacks grouped by provider status.",
+		}, []string{"status"})
+
+		cardPayoutLatency = promauto.NewHistogramVec(prometheus.HistogramOpts{
+			Namespace: "sendico",
+			Subsystem: "mntx_gateway",
+			Name:      "card_payout_request_latency_seconds",
+			Help:      "Latency distribution for outbound Monetix card payout requests.",
+			Buckets:   prometheus.DefBuckets,
+		}, []string{"outcome"})
+	})
+}
+
+func observeRequest(outcome string, duration time.Duration) {
+	initMetrics()
+	outcome = strings.ToLower(strings.TrimSpace(outcome))
+	if outcome == "" {
+		outcome = "unknown"
+	}
+	if cardPayoutLatency != nil {
+		cardPayoutLatency.WithLabelValues(outcome).Observe(duration.Seconds())
+	}
+	if cardPayoutRequests != nil {
+		cardPayoutRequests.WithLabelValues(outcome).Inc()
+	}
+}
+
+// ObserveCallback records callback status for Monetix 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/mntx/internal/service/monetix/payloads.go

@@ -0,0 +1,96 @@
+package monetix
+
+type General struct {
+	ProjectID int64  `json:"project_id"`
+	PaymentID string `json:"payment_id"`
+	Signature string `json:"signature,omitempty"`
+}
+
+type Customer struct {
+	ID        string `json:"id"`
+	FirstName string `json:"first_name"`
+	Middle    string `json:"middle_name,omitempty"`
+	LastName  string `json:"last_name"`
+	IP        string `json:"ip_address"`
+
+	Zip     string `json:"zip,omitempty"`
+	Country string `json:"country,omitempty"`
+	State   string `json:"state,omitempty"`
+	City    string `json:"city,omitempty"`
+	Address string `json:"address,omitempty"`
+}
+
+type Payment struct {
+	Amount   int64  `json:"amount"`
+	Currency string `json:"currency"`
+}
+
+type Card struct {
+	PAN        string `json:"pan"`
+	Year       int    `json:"year,omitempty"`
+	Month      int    `json:"month,omitempty"`
+	CardHolder string `json:"card_holder"`
+}
+
+type CardTokenize struct {
+	PAN        string `json:"pan"`
+	Year       int    `json:"year,omitempty"`
+	Month      int    `json:"month,omitempty"`
+	CardHolder string `json:"card_holder"`
+	CVV        string `json:"cvv,omitempty"`
+}
+
+type Token struct {
+	CardToken  string `json:"card_token"`
+	CardHolder string `json:"card_holder,omitempty"`
+	MaskedPAN  string `json:"masked_pan,omitempty"`
+}
+
+type CardPayoutRequest struct {
+	General  General  `json:"general"`
+	Customer Customer `json:"customer"`
+	Payment  Payment  `json:"payment"`
+	Card     Card     `json:"card"`
+}
+
+type CardTokenPayoutRequest struct {
+	General  General  `json:"general"`
+	Customer Customer `json:"customer"`
+	Payment  Payment  `json:"payment"`
+	Token    Token    `json:"token"`
+}
+
+type CardTokenizeRequest struct {
+	General  General      `json:"general"`
+	Customer Customer     `json:"customer"`
+	Card     CardTokenize `json:"card"`
+}
+
+type CardPayoutSendResult struct {
+	Accepted          bool
+	ProviderRequestID string
+	StatusCode        int
+	ErrorCode         string
+	ErrorMessage      string
+}
+
+type TokenizationResult struct {
+	CardPayoutSendResult
+	Token       string
+	MaskedPAN   string
+	ExpiryMonth string
+	ExpiryYear  string
+	CardBrand   string
+}
+
+type APIResponse struct {
+	RequestID string `json:"request_id"`
+	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"`
+}

api/gateway/mntx/internal/service/monetix/sender.go

@@ -0,0 +1,290 @@
+package monetix
+
+import (
+	"bytes"
+	"context"
+	"encoding/json"
+	"io"
+	"net/http"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/pkg/merrors"
+	"go.uber.org/zap"
+)
+
+const (
+	outcomeAccepted     = "accepted"
+	outcomeHTTPError    = "http_error"
+	outcomeNetworkError = "network_error"
+)
+
+// sendCardPayout dispatches a PAN-based payout.
+func (c *Client) sendCardPayout(ctx context.Context, req CardPayoutRequest) (*CardPayoutSendResult, error) {
+	maskedPAN := MaskPAN(req.Card.PAN)
+	return c.send(ctx, &req, "/v2/payment/card/payout",
+		func() {
+			c.logger.Info("dispatching Monetix card payout",
+				zap.String("payout_id", req.General.PaymentID),
+				zap.Int64("amount_minor", req.Payment.Amount),
+				zap.String("currency", req.Payment.Currency),
+				zap.String("pan", maskedPAN),
+			)
+		},
+		func(r *CardPayoutSendResult) {
+			c.logger.Info("Monetix payout response",
+				zap.String("payout_id", req.General.PaymentID),
+				zap.Bool("accepted", r.Accepted),
+				zap.Int("status_code", r.StatusCode),
+				zap.String("provider_request_id", r.ProviderRequestID),
+				zap.String("error_code", r.ErrorCode),
+				zap.String("error_message", r.ErrorMessage),
+			)
+		})
+}
+
+// sendCardTokenPayout dispatches a token-based payout.
+func (c *Client) sendCardTokenPayout(ctx context.Context, req CardTokenPayoutRequest) (*CardPayoutSendResult, error) {
+	return c.send(ctx, &req, "/v2/payment/card/payout/token",
+		func() {
+			c.logger.Info("dispatching Monetix card token payout",
+				zap.String("payout_id", req.General.PaymentID),
+				zap.Int64("amount_minor", req.Payment.Amount),
+				zap.String("currency", req.Payment.Currency),
+				zap.String("masked_pan", req.Token.MaskedPAN),
+			)
+		},
+		func(r *CardPayoutSendResult) {
+			c.logger.Info("Monetix token payout response",
+				zap.String("payout_id", req.General.PaymentID),
+				zap.Bool("accepted", r.Accepted),
+				zap.Int("status_code", r.StatusCode),
+				zap.String("provider_request_id", r.ProviderRequestID),
+				zap.String("error_code", r.ErrorCode),
+				zap.String("error_message", r.ErrorMessage),
+			)
+		})
+}
+
+// sendTokenization sends a tokenization request.
+func (c *Client) sendTokenization(ctx context.Context, req CardTokenizeRequest) (*TokenizationResult, error) {
+	if ctx == nil {
+		ctx = context.Background()
+	}
+	if c == nil {
+		return nil, merrors.Internal("monetix client not initialised")
+	}
+	if strings.TrimSpace(c.cfg.SecretKey) == "" {
+		return nil, merrors.Internal("monetix secret key not configured")
+	}
+	if strings.TrimSpace(c.cfg.BaseURL) == "" {
+		return nil, merrors.Internal("monetix base url not configured")
+	}
+
+	req.General.Signature = ""
+	signature, err := signPayload(req, c.cfg.SecretKey)
+	if err != nil {
+		return nil, merrors.Internal("failed to sign request: " + err.Error())
+	}
+	req.General.Signature = signature
+
+	payload, err := json.Marshal(req)
+	if err != nil {
+		return nil, merrors.Internal("failed to marshal request payload: " + err.Error())
+	}
+
+	url := strings.TrimRight(c.cfg.BaseURL, "/") + "/v1/tokenize"
+	httpReq, err := http.NewRequestWithContext(ctx, http.MethodPost, url, bytes.NewReader(payload))
+	if err != nil {
+		return nil, merrors.Internal("failed to build request: " + err.Error())
+	}
+	httpReq.Header.Set("Content-Type", "application/json")
+	httpReq.Header.Set("Accept", "application/json")
+
+	c.logger.Info("dispatching Monetix card tokenization",
+		zap.String("request_id", req.General.PaymentID),
+		zap.String("masked_pan", MaskPAN(req.Card.PAN)),
+	)
+
+	start := time.Now()
+	resp, err := c.client.Do(httpReq)
+	duration := time.Since(start)
+	if err != nil {
+		observeRequest(outcomeNetworkError, duration)
+		c.logger.Warn("monetix tokenization request failed", zap.Error(err))
+		return nil, merrors.Internal("monetix tokenization request failed: " + err.Error())
+	}
+	defer resp.Body.Close()
+
+	body, _ := io.ReadAll(resp.Body)
+	outcome := outcomeAccepted
+	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
+		outcome = outcomeHTTPError
+	}
+	observeRequest(outcome, duration)
+
+	result := &TokenizationResult{
+		CardPayoutSendResult: CardPayoutSendResult{
+			Accepted:   resp.StatusCode >= 200 && resp.StatusCode < 300,
+			StatusCode: resp.StatusCode,
+		},
+	}
+
+	var apiResp APIResponse
+	if len(body) > 0 {
+		if err := json.Unmarshal(body, &apiResp); err != nil {
+			c.logger.Warn("failed to decode Monetix tokenization response", zap.String("request_id", req.General.PaymentID), zap.Int("status_code", resp.StatusCode), zap.Error(err))
+		} else {
+			var tokenData struct {
+				Token       string `json:"token"`
+				MaskedPAN   string `json:"masked_pan"`
+				ExpiryMonth string `json:"expiry_month"`
+				ExpiryYear  string `json:"expiry_year"`
+				CardBrand   string `json:"card_brand"`
+			}
+			_ = json.Unmarshal(body, &tokenData)
+			result.Token = tokenData.Token
+			result.MaskedPAN = tokenData.MaskedPAN
+			result.ExpiryMonth = tokenData.ExpiryMonth
+			result.ExpiryYear = tokenData.ExpiryYear
+			result.CardBrand = tokenData.CardBrand
+		}
+	}
+
+	if apiResp.Operation.RequestID != "" {
+		result.ProviderRequestID = apiResp.Operation.RequestID
+	} else if apiResp.RequestID != "" {
+		result.ProviderRequestID = apiResp.RequestID
+	}
+
+	if !result.Accepted {
+		result.ErrorCode = apiResp.Code
+		if result.ErrorCode == "" {
+			result.ErrorCode = http.StatusText(resp.StatusCode)
+		}
+		result.ErrorMessage = apiResp.Message
+		if result.ErrorMessage == "" {
+			result.ErrorMessage = apiResp.Operation.Message
+		}
+	}
+
+	c.logger.Info("Monetix tokenization response",
+		zap.String("request_id", req.General.PaymentID),
+		zap.Bool("accepted", result.Accepted),
+		zap.Int("status_code", resp.StatusCode),
+		zap.String("provider_request_id", result.ProviderRequestID),
+		zap.String("error_code", result.ErrorCode),
+		zap.String("error_message", result.ErrorMessage),
+	)
+
+	return result, nil
+}
+
+func (c *Client) send(ctx context.Context, req any, path string, dispatchLog func(), responseLog func(*CardPayoutSendResult)) (*CardPayoutSendResult, error) {
+	if ctx == nil {
+		ctx = context.Background()
+	}
+	if c == nil {
+		return nil, merrors.Internal("monetix client not initialised")
+	}
+	if strings.TrimSpace(c.cfg.SecretKey) == "" {
+		return nil, merrors.Internal("monetix secret key not configured")
+	}
+	if strings.TrimSpace(c.cfg.BaseURL) == "" {
+		return nil, merrors.Internal("monetix base url not configured")
+	}
+
+	setSignature, err := clearSignature(req)
+	if err != nil {
+		return nil, err
+	}
+	signature, err := signPayload(req, c.cfg.SecretKey)
+	if err != nil {
+		return nil, merrors.Internal("failed to sign request: " + err.Error())
+	}
+	setSignature(signature)
+
+	payload, err := json.Marshal(req)
+	if err != nil {
+		return nil, merrors.Internal("failed to marshal request payload: " + err.Error())
+	}
+
+	url := strings.TrimRight(c.cfg.BaseURL, "/") + path
+	httpReq, err := http.NewRequestWithContext(ctx, http.MethodPost, url, bytes.NewReader(payload))
+	if err != nil {
+		return nil, merrors.Internal("failed to build request: " + err.Error())
+	}
+	httpReq.Header.Set("Content-Type", "application/json")
+	httpReq.Header.Set("Accept", "application/json")
+
+	if dispatchLog != nil {
+		dispatchLog()
+	}
+
+	start := time.Now()
+	resp, err := c.client.Do(httpReq)
+	duration := time.Since(start)
+	if err != nil {
+		observeRequest(outcomeNetworkError, duration)
+		return nil, merrors.Internal("monetix request failed: " + err.Error())
+	}
+	defer resp.Body.Close()
+
+	body, _ := io.ReadAll(resp.Body)
+	outcome := outcomeAccepted
+	if resp.StatusCode < 200 || resp.StatusCode >= 300 {
+		outcome = outcomeHTTPError
+	}
+	observeRequest(outcome, duration)
+
+	result := &CardPayoutSendResult{
+		Accepted:   resp.StatusCode >= 200 && resp.StatusCode < 300,
+		StatusCode: resp.StatusCode,
+	}
+
+	var apiResp APIResponse
+	if len(body) > 0 {
+		if err := json.Unmarshal(body, &apiResp); err != nil {
+			c.logger.Warn("failed to decode Monetix response", zap.Int("status_code", resp.StatusCode), zap.Error(err))
+		}
+	}
+
+	if apiResp.Operation.RequestID != "" {
+		result.ProviderRequestID = apiResp.Operation.RequestID
+	} else if apiResp.RequestID != "" {
+		result.ProviderRequestID = apiResp.RequestID
+	}
+
+	if !result.Accepted {
+		result.ErrorCode = apiResp.Code
+		if result.ErrorCode == "" {
+			result.ErrorCode = http.StatusText(resp.StatusCode)
+		}
+		result.ErrorMessage = apiResp.Message
+		if result.ErrorMessage == "" {
+			result.ErrorMessage = apiResp.Operation.Message
+		}
+	}
+
+	if responseLog != nil {
+		responseLog(result)
+	}
+
+	return result, nil
+}
+
+func clearSignature(req any) (func(string), error) {
+	switch r := req.(type) {
+	case *CardPayoutRequest:
+		r.General.Signature = ""
+		return func(sig string) { r.General.Signature = sig }, nil
+	case *CardTokenPayoutRequest:
+		r.General.Signature = ""
+		return func(sig string) { r.General.Signature = sig }, nil
+	case *CardTokenizeRequest:
+		r.General.Signature = ""
+		return func(sig string) { r.General.Signature = sig }, nil
+	default:
+		return nil, merrors.Internal("unsupported monetix payload type for signing")
+	}
+}

api/gateway/mntx/main.go

@@ -0,0 +1,17 @@
+package main
+
+import (
+	"github.com/tech/sendico/gateway/mntx/internal/appversion"
+	si "github.com/tech/sendico/gateway/mntx/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/ledger/go.mod

@@ -19,7 +19,7 @@ require (
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -27,7 +27,7 @@ require (
 	github.com/go-chi/chi/v5 v5.2.3 // indirect
 	github.com/golang/snappy v1.0.0 // indirect
 	github.com/google/uuid v1.6.0 // indirect
-	github.com/klauspost/compress v1.18.1 // indirect
+	github.com/klauspost/compress v1.18.2 // indirect
 	github.com/mattn/go-colorable v0.1.14 // indirect
 	github.com/mattn/go-isatty v0.0.20 // indirect
 	github.com/mitchellh/mapstructure v1.5.0 // indirect
@@ -46,10 +46,10 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 )

api/ledger/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -59,8 +59,8 @@ github.com/google/go-cmp v0.7.0 h1:wk8382ETsv4JYUZwIsn6YpYiWiBsYLSJiTsyBybVuN8=
 github.com/google/go-cmp v0.7.0/go.mod h1:pXiqmnSA92OHEEa9HXL2W4E7lf9JzCmGVUdgjX3N/iU=
 github.com/google/uuid v1.6.0 h1:NIvaJDMOsjHA8n1jAhLSgzrAzy1Hgr+hNrb57e+94F0=
 github.com/google/uuid v1.6.0/go.mod h1:TIyPZe4MgqvfeYDBFedMoGGpEw/LqOeaOT+nhxU+yHo=
-github.com/klauspost/compress v1.18.1 h1:bcSGx7UbpBqMChDtsF28Lw6v/G94LPrrbMbdC3JH2co=
+github.com/klauspost/compress v1.18.2 h1:iiPHWW0YrcFgpBYhsA6D1+fqHssJscY/Tm/y2Uqnapk=
-github.com/klauspost/compress v1.18.1/go.mod h1:ZQFFVG+MdnR0P+l6wpXgIL4NTtwiKIdBnrBd8Nrxr+0=
+github.com/klauspost/compress v1.18.2/go.mod h1:R0h/fSBs8DE4ENlcrlib3PsXS61voFxhIs2DeRhCvJ4=
 github.com/kr/pretty v0.3.1 h1:flRD4NNwYAUpkphVc1HcthR4KEIFJ65n8Mw5qdRn3LE=
 github.com/kr/pretty v0.3.1/go.mod h1:hoEshYVHaxMs3cyo3Yncou5ZscifuDolrwPKZanG3xk=
 github.com/kr/text v0.2.0 h1:5Nx0Ya0ZqY2ygV366QzturHI13Jq95ApcVaJBhpS+AY=
@@ -178,35 +178,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -214,8 +214,8 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846 h1:Wgl1rcDNThT+Zn47YyCXOXyX/COgMTIdhJ717F0l4xk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
 google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=

api/notification/go.mod

@@ -14,21 +14,21 @@ require (
 	github.com/xhit/go-simple-mail/v2 v2.16.0
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
-	golang.org/x/text v0.31.0
+	golang.org/x/text v0.32.0
 	gopkg.in/yaml.v3 v3.0.1
 )
 
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
 	github.com/go-test/deep v1.1.1 // indirect
 	github.com/golang/snappy v1.0.0 // indirect
 	github.com/google/uuid v1.6.0 // indirect
-	github.com/klauspost/compress v1.18.1 // indirect
+	github.com/klauspost/compress v1.18.2 // indirect
 	github.com/mattn/go-colorable v0.1.14 // indirect
 	github.com/mattn/go-isatty v0.0.20 // indirect
 	github.com/montanaflynn/stats v0.7.1 // indirect
@@ -48,11 +48,11 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 	google.golang.org/grpc v1.77.0 // indirect
 	google.golang.org/protobuf v1.36.10 // indirect
 )

api/notification/go.sum

@@ -13,8 +13,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -65,8 +65,8 @@ github.com/google/go-cmp v0.7.0 h1:wk8382ETsv4JYUZwIsn6YpYiWiBsYLSJiTsyBybVuN8=
 github.com/google/go-cmp v0.7.0/go.mod h1:pXiqmnSA92OHEEa9HXL2W4E7lf9JzCmGVUdgjX3N/iU=
 github.com/google/uuid v1.6.0 h1:NIvaJDMOsjHA8n1jAhLSgzrAzy1Hgr+hNrb57e+94F0=
 github.com/google/uuid v1.6.0/go.mod h1:TIyPZe4MgqvfeYDBFedMoGGpEw/LqOeaOT+nhxU+yHo=
-github.com/klauspost/compress v1.18.1 h1:bcSGx7UbpBqMChDtsF28Lw6v/G94LPrrbMbdC3JH2co=
+github.com/klauspost/compress v1.18.2 h1:iiPHWW0YrcFgpBYhsA6D1+fqHssJscY/Tm/y2Uqnapk=
-github.com/klauspost/compress v1.18.1/go.mod h1:ZQFFVG+MdnR0P+l6wpXgIL4NTtwiKIdBnrBd8Nrxr+0=
+github.com/klauspost/compress v1.18.2/go.mod h1:R0h/fSBs8DE4ENlcrlib3PsXS61voFxhIs2DeRhCvJ4=
 github.com/kr/pretty v0.3.1 h1:flRD4NNwYAUpkphVc1HcthR4KEIFJ65n8Mw5qdRn3LE=
 github.com/kr/pretty v0.3.1/go.mod h1:hoEshYVHaxMs3cyo3Yncou5ZscifuDolrwPKZanG3xk=
 github.com/kr/text v0.2.0 h1:5Nx0Ya0ZqY2ygV366QzturHI13Jq95ApcVaJBhpS+AY=
@@ -191,35 +191,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=
@@ -227,8 +227,8 @@ golang.org/x/tools v0.1.12/go.mod h1:hNGJHUnrk76NpqgfD5Aqm5Crs+Hm0VOH/i9J2+nxYbc
 golang.org/x/xerrors v0.0.0-20190717185122-a985d3407aa7/go.mod h1:I/5z698sn9Ka8TeJc9MKroUUfqBBauWjQqLJ2OPfmY0=
 gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846 h1:Wgl1rcDNThT+Zn47YyCXOXyX/COgMTIdhJ717F0l4xk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
 google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=

api/payments/orchestrator/go.mod

@@ -29,7 +29,7 @@ require (
 require (
 	github.com/beorn7/perks v1.0.1 // indirect
 	github.com/bmatcuk/doublestar/v4 v4.9.1 // indirect
-	github.com/casbin/casbin/v2 v2.134.0 // indirect
+	github.com/casbin/casbin/v2 v2.135.0 // indirect
 	github.com/casbin/govaluate v1.10.0 // indirect
 	github.com/casbin/mongodb-adapter/v3 v3.7.0 // indirect
 	github.com/cespare/xxhash/v2 v2.3.0 // indirect
@@ -54,10 +54,10 @@ require (
 	github.com/youmark/pkcs8 v0.0.0-20240726163527-a2c0da244d78 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/crypto v0.45.0 // indirect
+	golang.org/x/crypto v0.46.0 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
 	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 )

api/payments/orchestrator/go.sum

@@ -9,8 +9,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -179,35 +179,35 @@ go.yaml.in/yaml/v2 v2.4.3 h1:6gvOSjQoTB3vt1l+CU+tSyi/HOjfOjRLJ4YwYZGwRO0=
 go.yaml.in/yaml/v2 v2.4.3/go.mod h1:zSxWcmIDjOzPXpjlTTbAsKokqkDNAVtZO0WOMiT90s8=
 golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACkg1iLfiJU5Ep61QUkGW8qpdssI0+w=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.6.0-dev.0.20220419223038-86c51ed26bb4/go.mod h1:jJ57K6gSWd91VN4djpZkiMVwK6gcyfeH4XE8wZrZaV4=
 golang.org/x/net v0.0.0-20190311183353-d8887717615a/go.mod h1:t9HGtf8HONx5eT2rtn7q6eTqICYqUVnKs3thJo3Qplg=
 golang.org/x/net v0.0.0-20190620200207-3b0461eec859/go.mod h1:z5CRVTTTmAJ677TzLLGU+0bjPO0LkuOLi4/5GtJWs/s=
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20201119102817-f84b799fce68/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20210615035016-665e8c7367d1/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220520151302-bc2c85ada10a/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
 golang.org/x/tools v0.0.0-20190425150028-36563e24a262/go.mod h1:RgjU9mgBXZiqYHBnxXauZ1Gv1EHHAz9KjViQ78xBX0Q=
 golang.org/x/tools v0.0.0-20191119224855-298f0cb1881e/go.mod h1:b+2E5dAYhXwXZwtnZ6UAqBI28+e2cm9otk0dWdXHAEo=

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

@@ -97,6 +97,7 @@ func quoteSnapshotToModel(src *orchestratorv1.PaymentQuote) *model.PaymentQuoteS
 		FXQuote:                  cloneFXQuote(src.GetFxQuote()),
 		NetworkFee:               cloneNetworkEstimate(src.GetNetworkFee()),
 		FeeQuoteToken:            strings.TrimSpace(src.GetFeeQuoteToken()),
+		QuoteRef:                 strings.TrimSpace(src.GetQuoteRef()),
 	}
 }
 
@@ -220,6 +221,7 @@ func modelQuoteToProto(src *model.PaymentQuoteSnapshot) *orchestratorv1.PaymentQ
 		FxQuote:                  cloneFXQuote(src.FXQuote),
 		NetworkFee:               cloneNetworkEstimate(src.NetworkFee),
 		FeeQuoteToken:            src.FeeQuoteToken,
+		QuoteRef:                 strings.TrimSpace(src.QuoteRef),
 	}
 }
 

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

@@ -10,6 +10,8 @@ import (
 	"github.com/tech/sendico/payments/orchestrator/storage/model"
 	"github.com/tech/sendico/pkg/merrors"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
 	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
@@ -19,35 +21,53 @@ import (
 	"google.golang.org/protobuf/types/known/timestamppb"
 )
 
-func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.PaymentQuote, error) {
+func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*orchestratorv1.PaymentQuote, time.Time, error) {
 	intent := req.GetIntent()
 	amount := intent.GetAmount()
-	baseAmount := cloneMoney(amount)
+	fxSide := fxv1.Side_SIDE_UNSPECIFIED
-	feeQuote, err := s.quoteFees(ctx, orgRef, req)
+	if intent.GetFx() != nil {
-	if err != nil {
+		fxSide = intent.GetFx().GetSide()
-		return nil, err
 	}
-	feeTotal := extractFeeTotal(feeQuote.GetLines(), amount.GetCurrency())
+
+	var fxQuote *oraclev1.Quote
+	var err error
+	if shouldRequestFX(intent) {
+		fxQuote, err = s.requestFXQuote(ctx, orgRef, req)
+		if err != nil {
+			return nil, time.Time{}, err
+		}
+	}
+
+	payAmount, settlementAmountBeforeFees := resolveTradeAmounts(amount, fxQuote, fxSide)
+
+	feeBaseAmount := payAmount
+	if feeBaseAmount == nil {
+		feeBaseAmount = cloneMoney(amount)
+	}
+
+	feeQuote, err := s.quoteFees(ctx, orgRef, req, feeBaseAmount)
+	if err != nil {
+		return nil, time.Time{}, err
+	}
+	feeCurrency := ""
+	if feeBaseAmount != nil {
+		feeCurrency = feeBaseAmount.GetCurrency()
+	} else if amount != nil {
+		feeCurrency = amount.GetCurrency()
+	}
+	feeTotal := extractFeeTotal(feeQuote.GetLines(), feeCurrency)
 
 	var networkFee *chainv1.EstimateTransferFeeResponse
 	if shouldEstimateNetworkFee(intent) {
 		networkFee, err = s.estimateNetworkFee(ctx, intent)
 		if err != nil {
-			return nil, err
+			return nil, time.Time{}, err
 		}
 	}
 
-	var fxQuote *oraclev1.Quote
+	debitAmount, settlementAmount := computeAggregates(payAmount, settlementAmountBeforeFees, feeTotal, networkFee, fxQuote)
-	if shouldRequestFX(intent) {
-		fxQuote, err = s.requestFXQuote(ctx, orgRef, req)
-		if err != nil {
-			return nil, err
-		}
-	}
 
-	debitAmount, settlementAmount := computeAggregates(baseAmount, feeTotal, networkFee)
+	quote := &orchestratorv1.PaymentQuote{
-
-	return &orchestratorv1.PaymentQuote{
 		DebitAmount:              debitAmount,
 		ExpectedSettlementAmount: settlementAmount,
 		ExpectedFeeTotal:         feeTotal,
@@ -56,17 +76,25 @@ func (s *Service) buildPaymentQuote(ctx context.Context, orgRef string, req *orc
 		FxQuote:                  fxQuote,
 		NetworkFee:               networkFee,
 		FeeQuoteToken:            feeQuote.GetFeeQuoteToken(),
-	}, nil
+	}
+
+	expiresAt := quoteExpiry(s.clock.Now(), feeQuote, fxQuote)
+
+	return quote, expiresAt, nil
 }
 
-func (s *Service) quoteFees(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest) (*feesv1.PrecomputeFeesResponse, error) {
+func (s *Service) quoteFees(ctx context.Context, orgRef string, req *orchestratorv1.QuotePaymentRequest, baseAmount *moneyv1.Money) (*feesv1.PrecomputeFeesResponse, error) {
 	if !s.fees.available() {
 		return &feesv1.PrecomputeFeesResponse{}, nil
 	}
 	intent := req.GetIntent()
+	amount := cloneMoney(baseAmount)
+	if amount == nil {
+		amount = cloneMoney(intent.GetAmount())
+	}
 	feeIntent := &feesv1.Intent{
 		Trigger:    triggerFromKind(intent.GetKind(), intent.GetRequiresFx()),
-		BaseAmount: cloneMoney(intent.GetAmount()),
+		BaseAmount: amount,
 		BookedAt:   timestamppb.New(s.clock.Now()),
 		OriginType: "payments.orchestrator.quote",
 		OriginRef:  strings.TrimSpace(req.GetIdempotencyKey()),
@@ -160,7 +188,19 @@ func (s *Service) requestFXQuote(ctx context.Context, orgRef string, req *orches
 	}
 
 	if amount := intent.GetAmount(); amount != nil {
-		params.BaseAmount = cloneMoney(amount)
+		pair := fxIntent.GetPair()
+		if pair != nil {
+			switch {
+			case strings.EqualFold(amount.GetCurrency(), pair.GetBase()):
+				params.BaseAmount = cloneMoney(amount)
+			case strings.EqualFold(amount.GetCurrency(), pair.GetQuote()):
+				params.QuoteAmount = cloneMoney(amount)
+			default:
+				params.BaseAmount = cloneMoney(amount)
+			}
+		} else {
+			params.BaseAmount = cloneMoney(amount)
+		}
 	}
 
 	quote, err := s.oracle.client.GetQuote(ctx, params)
@@ -287,11 +327,14 @@ func (s *Service) applyFX(ctx context.Context, payment *model.Payment, quote *or
 	if fq == nil {
 		return merrors.InvalidArgument("ledger: fx quote missing")
 	}
-	fromMoney := cloneMoney(fq.GetBaseAmount())
+	fxSide := fxv1.Side_SIDE_UNSPECIFIED
+	if intent.FX != nil {
+		fxSide = intent.FX.Side
+	}
+	fromMoney, toMoney := resolveTradeAmounts(intent.Amount, fq, fxSide)
 	if fromMoney == nil {
 		fromMoney = cloneMoney(intent.Amount)
 	}
-	toMoney := cloneMoney(fq.GetQuoteAmount())
 	if toMoney == nil {
 		toMoney = cloneMoney(quote.GetExpectedSettlementAmount())
 	}

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

@@ -2,6 +2,7 @@ package orchestrator
 
 import (
 	"strings"
+	"time"
 
 	"github.com/shopspring/decimal"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
@@ -13,6 +14,7 @@ import (
 
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"
 	accountingv1 "github.com/tech/sendico/pkg/proto/common/accounting/v1"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 )
@@ -108,30 +110,91 @@ func extractFeeTotal(lines []*feesv1.DerivedPostingLine, currency string) *money
 	}
 }
 
-func computeAggregates(base, fee *moneyv1.Money, network *chainv1.EstimateTransferFeeResponse) (*moneyv1.Money, *moneyv1.Money) {
+func resolveTradeAmounts(intentAmount *moneyv1.Money, fxQuote *oraclev1.Quote, side fxv1.Side) (*moneyv1.Money, *moneyv1.Money) {
-	if base == nil {
+	if fxQuote == nil {
+		return cloneMoney(intentAmount), cloneMoney(intentAmount)
+	}
+	qSide := fxQuote.GetSide()
+	if qSide == fxv1.Side_SIDE_UNSPECIFIED {
+		qSide = side
+	}
+
+	switch qSide {
+	case fxv1.Side_BUY_BASE_SELL_QUOTE:
+		pay := cloneMoney(fxQuote.GetQuoteAmount())
+		settle := cloneMoney(fxQuote.GetBaseAmount())
+		if pay == nil {
+			pay = cloneMoney(intentAmount)
+		}
+		if settle == nil {
+			settle = cloneMoney(intentAmount)
+		}
+		return pay, settle
+	case fxv1.Side_SELL_BASE_BUY_QUOTE:
+		pay := cloneMoney(fxQuote.GetBaseAmount())
+		settle := cloneMoney(fxQuote.GetQuoteAmount())
+		if pay == nil {
+			pay = cloneMoney(intentAmount)
+		}
+		if settle == nil {
+			settle = cloneMoney(intentAmount)
+		}
+		return pay, settle
+	default:
+		return cloneMoney(intentAmount), cloneMoney(intentAmount)
+	}
+}
+
+func computeAggregates(pay, settlement, fee *moneyv1.Money, network *chainv1.EstimateTransferFeeResponse, fxQuote *oraclev1.Quote) (*moneyv1.Money, *moneyv1.Money) {
+	if pay == nil {
 		return nil, nil
 	}
-	baseDecimal, err := decimalFromMoney(base)
+	debitDecimal, err := decimalFromMoney(pay)
 	if err != nil {
-		return cloneMoney(base), cloneMoney(base)
+		return cloneMoney(pay), cloneMoney(settlement)
-	}
-	debit := baseDecimal
-	settlement := baseDecimal
-
-	if feeDecimal, err := decimalFromMoneyMatching(base, fee); err == nil && feeDecimal != nil {
-		debit = debit.Add(*feeDecimal)
-		settlement = settlement.Sub(*feeDecimal)
 	}
 
-	if network != nil && network.GetNetworkFee() != nil {
+	settlementCurrency := pay.GetCurrency()
-		if networkDecimal, err := decimalFromMoneyMatching(base, network.GetNetworkFee()); err == nil && networkDecimal != nil {
+	if settlement != nil && strings.TrimSpace(settlement.GetCurrency()) != "" {
-			debit = debit.Add(*networkDecimal)
+		settlementCurrency = settlement.GetCurrency()
-			settlement = settlement.Sub(*networkDecimal)
+	}
+
+	settlementDecimal := debitDecimal
+	if settlement != nil {
+		if val, err := decimalFromMoney(settlement); err == nil {
+			settlementDecimal = val
 		}
 	}
 
-	return makeMoney(base.GetCurrency(), debit), makeMoney(base.GetCurrency(), settlement)
+	adjustDebit := func(m *moneyv1.Money) {
+		converted, err := ensureCurrency(m, pay.GetCurrency(), fxQuote)
+		if err != nil || converted == nil {
+			return
+		}
+		if val, err := decimalFromMoney(converted); err == nil {
+			debitDecimal = debitDecimal.Add(val)
+		}
+	}
+
+	adjustSettlement := func(m *moneyv1.Money) {
+		converted, err := ensureCurrency(m, settlementCurrency, fxQuote)
+		if err != nil || converted == nil {
+			return
+		}
+		if val, err := decimalFromMoney(converted); err == nil {
+			settlementDecimal = settlementDecimal.Sub(val)
+		}
+	}
+
+	adjustDebit(fee)
+	adjustSettlement(fee)
+
+	if network != nil && network.GetNetworkFee() != nil {
+		adjustDebit(network.GetNetworkFee())
+		adjustSettlement(network.GetNetworkFee())
+	}
+
+	return makeMoney(pay.GetCurrency(), debitDecimal), makeMoney(settlementCurrency, settlementDecimal)
 }
 
 func decimalFromMoney(m *moneyv1.Money) (decimal.Decimal, error) {
@@ -162,6 +225,46 @@ func makeMoney(currency string, value decimal.Decimal) *moneyv1.Money {
 	}
 }
 
+func ensureCurrency(m *moneyv1.Money, targetCurrency string, quote *oraclev1.Quote) (*moneyv1.Money, error) {
+	if m == nil || strings.TrimSpace(targetCurrency) == "" {
+		return nil, nil
+	}
+	if strings.EqualFold(m.GetCurrency(), targetCurrency) {
+		return cloneMoney(m), nil
+	}
+	return convertWithQuote(m, quote, targetCurrency)
+}
+
+func convertWithQuote(m *moneyv1.Money, quote *oraclev1.Quote, targetCurrency string) (*moneyv1.Money, error) {
+	if m == nil || quote == nil || quote.GetPair() == nil || quote.GetPrice() == nil {
+		return nil, nil
+	}
+
+	base := strings.TrimSpace(quote.GetPair().GetBase())
+	qt := strings.TrimSpace(quote.GetPair().GetQuote())
+	if base == "" || qt == "" || strings.TrimSpace(targetCurrency) == "" {
+		return nil, nil
+	}
+
+	price, err := decimal.NewFromString(quote.GetPrice().GetValue())
+	if err != nil || price.IsZero() {
+		return nil, err
+	}
+	value, err := decimalFromMoney(m)
+	if err != nil {
+		return nil, err
+	}
+
+	switch {
+	case strings.EqualFold(m.GetCurrency(), base) && strings.EqualFold(targetCurrency, qt):
+		return makeMoney(targetCurrency, value.Mul(price)), nil
+	case strings.EqualFold(m.GetCurrency(), qt) && strings.EqualFold(targetCurrency, base):
+		return makeMoney(targetCurrency, value.Div(price)), nil
+	default:
+		return nil, nil
+	}
+}
+
 func quoteToProto(src *oracleclient.Quote) *oraclev1.Quote {
 	if src == nil {
 		return nil
@@ -219,6 +322,23 @@ func ledgerLineTypeFromAccounting(lineType accountingv1.PostingLineType) ledgerv
 	}
 }
 
+func quoteExpiry(now time.Time, feeQuote *feesv1.PrecomputeFeesResponse, fxQuote *oraclev1.Quote) time.Time {
+	expiry := time.Time{}
+	if feeQuote != nil && feeQuote.GetExpiresAt() != nil {
+		expiry = feeQuote.GetExpiresAt().AsTime()
+	}
+	if expiry.IsZero() {
+		expiry = now.Add(time.Duration(defaultFeeQuoteTTLMillis) * time.Millisecond)
+	}
+	if fxQuote != nil && fxQuote.GetExpiresAtUnixMs() > 0 {
+		fxExpiry := time.UnixMilli(fxQuote.GetExpiresAtUnixMs()).UTC()
+		if fxExpiry.Before(expiry) {
+			expiry = fxExpiry
+		}
+	}
+	return expiry
+}
+
 func feeBreakdownFromQuote(quote *orchestratorv1.PaymentQuote) []*chainv1.ServiceFeeBreakdown {
 	if quote == nil {
 		return nil

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

@@ -0,0 +1,57 @@
+package orchestrator
+
+import (
+	"testing"
+
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	oraclev1 "github.com/tech/sendico/pkg/proto/oracle/v1"
+)
+
+func TestResolveTradeAmountsBuyBase(t *testing.T) {
+	fxQuote := &oraclev1.Quote{
+		Side: fxv1.Side_BUY_BASE_SELL_QUOTE,
+		Pair: &fxv1.CurrencyPair{Base: "EUR", Quote: "USD"},
+		BaseAmount: &moneyv1.Money{
+			Currency: "EUR",
+			Amount:   "100",
+		},
+		QuoteAmount: &moneyv1.Money{
+			Currency: "USD",
+			Amount:   "110",
+		},
+	}
+
+	pay, settle := resolveTradeAmounts(nil, fxQuote, fxv1.Side_SIDE_UNSPECIFIED)
+	if pay.GetCurrency() != "USD" || pay.GetAmount() != "110" {
+		t.Fatalf("expected pay amount in USD 110, got %s %s", pay.GetCurrency(), pay.GetAmount())
+	}
+	if settle.GetCurrency() != "EUR" || settle.GetAmount() != "100" {
+		t.Fatalf("expected settlement in EUR 100, got %s %s", settle.GetCurrency(), settle.GetAmount())
+	}
+}
+
+func TestComputeAggregatesConvertsCurrencies(t *testing.T) {
+	pay := &moneyv1.Money{Currency: "USD", Amount: "100"}
+	settle := &moneyv1.Money{Currency: "EUR", Amount: "50"}
+	fee := &moneyv1.Money{Currency: "USD", Amount: "10"}
+	network := &chainv1.EstimateTransferFeeResponse{
+		NetworkFee: &moneyv1.Money{Currency: "USD", Amount: "5"},
+	}
+	fxQuote := &oraclev1.Quote{
+		Pair: &fxv1.CurrencyPair{Base: "EUR", Quote: "USD"},
+		Side: fxv1.Side_BUY_BASE_SELL_QUOTE,
+		Price: &moneyv1.Decimal{
+			Value: "2",
+		},
+	}
+
+	debit, settlement := computeAggregates(pay, settle, fee, network, fxQuote)
+	if debit.GetCurrency() != "USD" || debit.GetAmount() != "115" {
+		t.Fatalf("expected debit 115 USD, got %s %s", debit.GetCurrency(), debit.GetAmount())
+	}
+	if settlement.GetCurrency() != "EUR" || settlement.GetAmount() != "42.5" {
+		t.Fatalf("expected settlement 42.5 EUR, got %s %s", settlement.GetCurrency(), settlement.GetAmount())
+	}
+}

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

@@ -3,8 +3,8 @@ package orchestrator
 import (
 	"time"
 
-	chainclient "github.com/tech/sendico/gateway/chain/client"
 	oracleclient "github.com/tech/sendico/fx/oracle/client"
+	chainclient "github.com/tech/sendico/gateway/chain/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
 	clockpkg "github.com/tech/sendico/pkg/clock"
 	feesv1 "github.com/tech/sendico/pkg/proto/billing/fees/v1"

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

@@ -0,0 +1,64 @@
+package orchestrator
+
+import (
+	"context"
+	"testing"
+	"time"
+
+	oracleclient "github.com/tech/sendico/fx/oracle/client"
+	fxv1 "github.com/tech/sendico/pkg/proto/common/fx/v1"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
+	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
+	"go.uber.org/zap"
+)
+
+func TestRequestFXQuoteUsesQuoteAmountWhenCurrencyMatchesQuote(t *testing.T) {
+	ctx := context.Background()
+	var captured oracleclient.GetQuoteParams
+
+	svc := &Service{
+		logger: zap.NewNop(),
+		clock:  testClock{now: time.Now()},
+		oracle: oracleDependency{
+			client: &oracleclient.Fake{
+				GetQuoteFn: func(ctx context.Context, params oracleclient.GetQuoteParams) (*oracleclient.Quote, error) {
+					captured = params
+					return &oracleclient.Quote{
+						QuoteRef:    "q",
+						Pair:        params.Pair,
+						Side:        params.Side,
+						Price:       "1.1",
+						BaseAmount:  params.BaseAmount,
+						QuoteAmount: params.QuoteAmount,
+						ExpiresAt:   time.Now(),
+					}, nil
+				},
+			},
+		},
+	}
+
+	req := &orchestratorv1.QuotePaymentRequest{
+		Meta: &orchestratorv1.RequestMeta{OrganizationRef: "org"},
+		Intent: &orchestratorv1.PaymentIntent{
+			Amount: &moneyv1.Money{Currency: "USD", Amount: "100"},
+			Fx: &orchestratorv1.FXIntent{
+				Pair: &fxv1.CurrencyPair{Base: "EUR", Quote: "USD"},
+				Side: fxv1.Side_BUY_BASE_SELL_QUOTE,
+			},
+		},
+	}
+
+	if _, err := svc.requestFXQuote(ctx, "org", req); err != nil {
+		t.Fatalf("requestFXQuote returned error: %v", err)
+	}
+
+	if captured.QuoteAmount == nil {
+		t.Fatal("expected quote amount to be populated")
+	}
+	if captured.BaseAmount != nil {
+		t.Fatal("expected base amount to be nil when using quote amount input")
+	}
+	if captured.QuoteAmount.GetCurrency() != "USD" {
+		t.Fatalf("expected quote amount currency USD, got %s", captured.QuoteAmount.GetCurrency())
+	}
+}

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

@@ -16,6 +16,7 @@ import (
 	orchestratorv1 "github.com/tech/sendico/pkg/proto/payments/orchestrator/v1"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 	"google.golang.org/grpc"
+	"google.golang.org/protobuf/proto"
 )
 
 type serviceError string
@@ -132,6 +133,10 @@ func (s *Service) quotePaymentHandler(ctx context.Context, req *orchestratorv1.Q
 	if orgRef == "" {
 		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("organization_ref is required"))
 	}
+	orgObjectID, parseErr := primitive.ObjectIDFromHex(orgRef)
+	if parseErr != nil {
+		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("organization_ref must be a valid objectID"))
+	}
 	intent := req.GetIntent()
 	if intent == nil {
 		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("intent is required"))
@@ -140,11 +145,31 @@ func (s *Service) quotePaymentHandler(ctx context.Context, req *orchestratorv1.Q
 		return gsresponse.InvalidArgument[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("intent.amount is required"))
 	}
 
-	quote, err := s.buildPaymentQuote(ctx, orgRef, req)
+	quote, expiresAt, err := s.buildPaymentQuote(ctx, orgRef, req)
 	if err != nil {
 		return gsresponse.Auto[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
 	}
 
+	if !req.GetPreviewOnly() {
+		quotesStore := s.storage.Quotes()
+		if quotesStore == nil {
+			return gsresponse.Unavailable[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
+		}
+		quoteRef := primitive.NewObjectID().Hex()
+		quote.QuoteRef = quoteRef
+		record := &model.PaymentQuoteRecord{
+			QuoteRef:  quoteRef,
+			Intent:    intentFromProto(intent),
+			Quote:     quoteSnapshotToModel(quote),
+			ExpiresAt: expiresAt,
+		}
+		record.SetID(primitive.NewObjectID())
+		record.SetOrganizationRef(orgObjectID)
+		if err := quotesStore.Create(ctx, record); err != nil {
+			return gsresponse.Auto[orchestratorv1.QuotePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
+		}
+	}
+
 	return gsresponse.Success(&orchestratorv1.QuotePaymentResponse{Quote: quote})
 }
 
@@ -194,10 +219,34 @@ func (s *Service) initiatePaymentHandler(ctx context.Context, req *orchestratorv
 		return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
 	}
 
-	quote := req.GetFeeQuoteToken()
+	quoteRef := strings.TrimSpace(req.GetQuoteRef())
+	quote := strings.TrimSpace(req.GetFeeQuoteToken())
 	var quoteSnapshot *orchestratorv1.PaymentQuote
-	if quote == "" {
+	if quoteRef != "" {
-		quoteSnapshot, err = s.buildPaymentQuote(ctx, orgRef, &orchestratorv1.QuotePaymentRequest{
+		quotesStore := s.storage.Quotes()
+		if quotesStore == nil {
+			return gsresponse.Unavailable[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, errStorageUnavailable)
+		}
+		record, err := quotesStore.GetByRef(ctx, orgObjectID, quoteRef)
+		if err != nil {
+			if err == storage.ErrQuoteNotFound {
+				return gsresponse.FailedPrecondition[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, "quote_not_found", merrors.InvalidArgument("quote_ref not found or expired"))
+			}
+			return gsresponse.Auto[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, err)
+		}
+		if !record.ExpiresAt.IsZero() && s.clock.Now().After(record.ExpiresAt) {
+			return gsresponse.FailedPrecondition[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, "quote_expired", merrors.InvalidArgument("quote_ref expired"))
+		}
+		if !proto.Equal(protoIntentFromModel(record.Intent), intent) {
+			return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("quote_ref does not match intent"))
+		}
+		quoteSnapshot = modelQuoteToProto(record.Quote)
+		if quoteSnapshot == nil {
+			return gsresponse.InvalidArgument[orchestratorv1.InitiatePaymentResponse](s.logger, mservice.PaymentOrchestrator, merrors.InvalidArgument("stored quote is empty"))
+		}
+		quoteSnapshot.QuoteRef = quoteRef
+	} else if quote == "" {
+		quoteSnapshot, _, err = s.buildPaymentQuote(ctx, orgRef, &orchestratorv1.QuotePaymentRequest{
 			Meta:           req.GetMeta(),
 			IdempotencyKey: req.GetIdempotencyKey(),
 			Intent:         req.GetIntent(),
@@ -389,7 +438,7 @@ func (s *Service) initiateConversionHandler(ctx context.Context, req *orchestrat
 		FeePolicy:   req.GetFeePolicy(),
 	}
 
-	quote, err := s.buildPaymentQuote(ctx, orgRef, &orchestratorv1.QuotePaymentRequest{
+	quote, _, err := s.buildPaymentQuote(ctx, orgRef, &orchestratorv1.QuotePaymentRequest{
 		Meta:           req.GetMeta(),
 		IdempotencyKey: req.GetIdempotencyKey(),
 		Intent:         intentProto,

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

@@ -12,6 +12,7 @@ import (
 	"github.com/tech/sendico/payments/orchestrator/storage"
 	"github.com/tech/sendico/payments/orchestrator/storage/model"
 	"github.com/tech/sendico/pkg/api/routers/gsresponse"
+	"github.com/tech/sendico/pkg/merrors"
 	mo "github.com/tech/sendico/pkg/model"
 	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
@@ -208,11 +209,43 @@ func TestProcessDepositObservedHandler_MatchesPayment(t *testing.T) {
 // ----------------------------------------------------------------------
 
 type stubRepository struct {
-	store *stubPaymentsStore
+	store  *stubPaymentsStore
+	quotes storage.QuotesStore
 }
 
 func (r *stubRepository) Ping(context.Context) error      { return nil }
 func (r *stubRepository) Payments() storage.PaymentsStore { return r.store }
+func (r *stubRepository) Quotes() storage.QuotesStore {
+	if r.quotes != nil {
+		return r.quotes
+	}
+	return &stubQuotesStore{}
+}
+
+type stubQuotesStore struct {
+	quotes map[string]*model.PaymentQuoteRecord
+}
+
+func (s *stubQuotesStore) Create(ctx context.Context, quote *model.PaymentQuoteRecord) error {
+	if quote == nil {
+		return merrors.InvalidArgument("nil quote")
+	}
+	if s.quotes == nil {
+		s.quotes = map[string]*model.PaymentQuoteRecord{}
+	}
+	s.quotes[strings.TrimSpace(quote.QuoteRef)] = quote
+	return nil
+}
+
+func (s *stubQuotesStore) GetByRef(ctx context.Context, orgRef primitive.ObjectID, quoteRef string) (*model.PaymentQuoteRecord, error) {
+	if s.quotes == nil {
+		return nil, storage.ErrQuoteNotFound
+	}
+	if q, ok := s.quotes[strings.TrimSpace(quoteRef)]; ok {
+		return q, nil
+	}
+	return nil, storage.ErrQuoteNotFound
+}
 
 type stubPaymentsStore struct {
 	payments map[string]*model.Payment

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

@@ -119,6 +119,7 @@ type PaymentQuoteSnapshot struct {
 	FXQuote                  *oraclev1.Quote                      `bson:"fxQuote,omitempty" json:"fxQuote,omitempty"`
 	NetworkFee               *chainv1.EstimateTransferFeeResponse `bson:"networkFee,omitempty" json:"networkFee,omitempty"`
 	FeeQuoteToken            string                               `bson:"feeQuoteToken,omitempty" json:"feeQuoteToken,omitempty"`
+	QuoteRef                 string                               `bson:"quoteRef,omitempty" json:"quoteRef,omitempty"`
 }
 
 // ExecutionRefs links to downstream systems.

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

@@ -0,0 +1,24 @@
+package model
+
+import (
+	"time"
+
+	"github.com/tech/sendico/pkg/db/storable"
+	"github.com/tech/sendico/pkg/model"
+)
+
+// PaymentQuoteRecord stores a quoted payment snapshot for later execution.
+type PaymentQuoteRecord struct {
+	storable.Base               `bson:",inline" json:",inline"`
+	model.OrganizationBoundBase `bson:",inline" json:",inline"`
+
+	QuoteRef  string                `bson:"quoteRef" json:"quoteRef"`
+	Intent    PaymentIntent         `bson:"intent" json:"intent"`
+	Quote     *PaymentQuoteSnapshot `bson:"quote" json:"quote"`
+	ExpiresAt time.Time             `bson:"expiresAt" json:"expiresAt"`
+}
+
+// Collection implements storable.Storable.
+func (*PaymentQuoteRecord) Collection() string {
+	return "payment_quotes"
+}

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

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

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

@@ -0,0 +1,117 @@
+package store
+
+import (
+	"context"
+	"errors"
+	"strings"
+	"time"
+
+	"github.com/tech/sendico/payments/orchestrator/storage"
+	"github.com/tech/sendico/payments/orchestrator/storage/model"
+	"github.com/tech/sendico/pkg/db/repository"
+	ri "github.com/tech/sendico/pkg/db/repository/index"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	"go.mongodb.org/mongo-driver/bson/primitive"
+	"go.uber.org/zap"
+)
+
+type Quotes struct {
+	logger mlogger.Logger
+	repo   repository.Repository
+}
+
+// NewQuotes constructs a Mongo-backed quotes store.
+func NewQuotes(logger mlogger.Logger, repo repository.Repository) (*Quotes, error) {
+	if repo == nil {
+		return nil, merrors.InvalidArgument("quotesStore: repository is nil")
+	}
+
+	indexes := []*ri.Definition{
+		{
+			Keys:   []ri.Key{{Field: "quoteRef", Sort: ri.Asc}},
+			Unique: true,
+		},
+		{
+			Keys: []ri.Key{{Field: "organizationRef", Sort: ri.Asc}},
+		},
+		{
+			Keys: []ri.Key{{Field: "expiresAt", Sort: ri.Asc}},
+			TTL:  int32Ptr(0),
+		},
+	}
+
+	for _, def := range indexes {
+		if err := repo.CreateIndex(def); err != nil {
+			logger.Error("failed to ensure quotes index", zap.Error(err), zap.String("collection", repo.Collection()))
+			return nil, err
+		}
+	}
+
+	return &Quotes{
+		logger: logger.Named("quotes"),
+		repo:   repo,
+	}, nil
+}
+
+func (q *Quotes) Create(ctx context.Context, quote *model.PaymentQuoteRecord) error {
+	if quote == nil {
+		return merrors.InvalidArgument("quotesStore: nil quote")
+	}
+	quote.QuoteRef = strings.TrimSpace(quote.QuoteRef)
+	if quote.QuoteRef == "" {
+		return merrors.InvalidArgument("quotesStore: empty quoteRef")
+	}
+	if quote.OrganizationRef == primitive.NilObjectID {
+		return merrors.InvalidArgument("quotesStore: organization_ref is required")
+	}
+	if quote.ExpiresAt.IsZero() {
+		return merrors.InvalidArgument("quotesStore: expires_at is required")
+	}
+	if quote.Intent.Attributes != nil {
+		for k, v := range quote.Intent.Attributes {
+			quote.Intent.Attributes[k] = strings.TrimSpace(v)
+		}
+	}
+	quote.Update()
+
+	filter := repository.OrgFilter(quote.OrganizationRef).And(
+		repository.Filter("quoteRef", quote.QuoteRef),
+	)
+
+	if err := q.repo.Insert(ctx, quote, filter); err != nil {
+		if errors.Is(err, merrors.ErrDataConflict) {
+			return storage.ErrDuplicateQuote
+		}
+		return err
+	}
+	return nil
+}
+
+func (q *Quotes) GetByRef(ctx context.Context, orgRef primitive.ObjectID, quoteRef string) (*model.PaymentQuoteRecord, error) {
+	quoteRef = strings.TrimSpace(quoteRef)
+	if quoteRef == "" {
+		return nil, merrors.InvalidArgument("quotesStore: empty quoteRef")
+	}
+	if orgRef == primitive.NilObjectID {
+		return nil, merrors.InvalidArgument("quotesStore: organization_ref is required")
+	}
+	entity := &model.PaymentQuoteRecord{}
+	query := repository.OrgFilter(orgRef).And(repository.Filter("quoteRef", quoteRef))
+	if err := q.repo.FindOneByFilter(ctx, query, entity); err != nil {
+		if errors.Is(err, merrors.ErrNoData) {
+			return nil, storage.ErrQuoteNotFound
+		}
+		return nil, err
+	}
+	if !entity.ExpiresAt.IsZero() && time.Now().After(entity.ExpiresAt) {
+		return nil, storage.ErrQuoteNotFound
+	}
+	return entity, nil
+}
+
+var _ storage.QuotesStore = (*Quotes)(nil)
+
+func int32Ptr(v int32) *int32 {
+	return &v
+}

api/payments/orchestrator/storage/storage.go

@@ -18,12 +18,17 @@ var (
 	ErrPaymentNotFound = storageError("payments.orchestrator.storage: payment not found")
 	// ErrDuplicatePayment signals that idempotency constraints were violated.
 	ErrDuplicatePayment = storageError("payments.orchestrator.storage: duplicate payment")
+	// ErrQuoteNotFound signals that a stored quote does not exist or expired.
+	ErrQuoteNotFound = storageError("payments.orchestrator.storage: quote not found")
+	// ErrDuplicateQuote signals that a quote reference already exists.
+	ErrDuplicateQuote = storageError("payments.orchestrator.storage: duplicate quote")
 )
 
 // Repository exposes persistence primitives for the orchestrator domain.
 type Repository interface {
 	Ping(ctx context.Context) error
 	Payments() PaymentsStore
+	Quotes() QuotesStore
 }
 
 // PaymentsStore manages payment lifecycle state.
@@ -35,3 +40,9 @@ type PaymentsStore interface {
 	GetByChainTransferRef(ctx context.Context, transferRef string) (*model.Payment, error)
 	List(ctx context.Context, filter *model.PaymentFilter) (*model.PaymentList, error)
 }
+
+// QuotesStore manages temporary stored payment quotes.
+type QuotesStore interface {
+	Create(ctx context.Context, quote *model.PaymentQuoteRecord) error
+	GetByRef(ctx context.Context, orgRef primitive.ObjectID, quoteRef string) (*model.PaymentQuoteRecord, error)
+}

api/pkg/db/internal/mongo/paymethoddb/db.go

@@ -5,10 +5,12 @@ import (
 
 	"github.com/tech/sendico/pkg/auth"
 	"github.com/tech/sendico/pkg/db/policy"
+	ri "github.com/tech/sendico/pkg/db/repository/index"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/model"
 	"github.com/tech/sendico/pkg/mservice"
 	"go.mongodb.org/mongo-driver/mongo"
+	"go.uber.org/zap"
 )
 
 type PaymentMethodsDB struct {
@@ -45,5 +47,13 @@ func Create(ctx context.Context,
 			getArchivable,
 		),
 	}
+
+	if err := res.DBImp.Repository.CreateIndex(&ri.Definition{
+		Keys: []ri.Key{{Field: "recipientRef", Sort: ri.Asc}},
+	}); err != nil {
+		res.DBImp.Logger.Error("Failed to create recipientRef index for payment methods", zap.Error(err))
+		return nil, err
+	}
+
 	return res, nil
 }

api/pkg/db/internal/mongo/recipientdb/db.go

@@ -6,7 +6,6 @@ import (
 	"github.com/tech/sendico/pkg/auth"
 	"github.com/tech/sendico/pkg/db/paymethod"
 	"github.com/tech/sendico/pkg/db/policy"
-	"github.com/tech/sendico/pkg/db/repository"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/model"
 	"github.com/tech/sendico/pkg/mservice"
@@ -16,8 +15,7 @@ import (
 type RecipientDB struct {
 	auth.ProtectedDBImp[*model.Recipient]
 	auth.ArchivableDB[*model.Recipient]
-	pmdb               paymethod.DB
+	pmdb paymethod.DB
-	paymentMethodsRepo repository.Repository
 }
 
 func Create(ctx context.Context,
@@ -27,7 +25,7 @@ func Create(ctx context.Context,
 	pmdb paymethod.DB,
 	db *mongo.Database,
 ) (*RecipientDB, error) {
-	p, err := auth.CreateDBImp[*model.Recipient](ctx, logger, pdb, enforcer, mservice.Organizations, db)
+	p, err := auth.CreateDBImp[*model.Recipient](ctx, logger, pdb, enforcer, mservice.Recipients, db)
 	if err != nil {
 		return nil, err
 	}
@@ -49,8 +47,7 @@ func Create(ctx context.Context,
 			createEmpty,
 			getArchivable,
 		),
-		paymentMethodsRepo: repository.CreateMongoRepository(db, string(mservice.PaymentMethods)),
+		pmdb: pmdb,
-		pmdb:               pmdb,
 	}
 	return res, nil
 }

api/pkg/go.mod

@@ -3,7 +3,7 @@ module github.com/tech/sendico/pkg
 go 1.24.0
 
 require (
-	github.com/casbin/casbin/v2 v2.134.0
+	github.com/casbin/casbin/v2 v2.135.0
 	github.com/casbin/mongodb-adapter/v3 v3.7.0
 	github.com/go-chi/chi/v5 v5.2.3
 	github.com/google/uuid v1.6.0
@@ -16,7 +16,7 @@ require (
 	github.com/testcontainers/testcontainers-go/modules/mongodb v0.33.0
 	go.mongodb.org/mongo-driver v1.17.6
 	go.uber.org/zap v1.27.1
-	golang.org/x/crypto v0.45.0
+	golang.org/x/crypto v0.46.0
 	google.golang.org/grpc v1.77.0
 	google.golang.org/protobuf v1.36.10
 )
@@ -46,7 +46,7 @@ require (
 	github.com/gogo/protobuf v1.3.2 // indirect
 	github.com/golang/mock v1.6.0 // indirect
 	github.com/golang/snappy v1.0.0 // indirect
-	github.com/klauspost/compress v1.18.1 // indirect
+	github.com/klauspost/compress v1.18.2 // indirect
 	github.com/lufia/plan9stats v0.0.0-20250827001030-24949be3fa54 // indirect
 	github.com/magiconair/properties v1.8.7 // indirect
 	github.com/mattn/go-isatty v0.0.20 // indirect
@@ -88,11 +88,11 @@ require (
 	go.opentelemetry.io/otel/trace v1.38.0 // indirect
 	go.uber.org/multierr v1.11.0 // indirect
 	go.yaml.in/yaml/v2 v2.4.3 // indirect
-	golang.org/x/net v0.47.0 // indirect
+	golang.org/x/net v0.48.0 // indirect
-	golang.org/x/sync v0.18.0 // indirect
+	golang.org/x/sync v0.19.0 // indirect
-	golang.org/x/sys v0.38.0 // indirect
+	golang.org/x/sys v0.39.0 // indirect
-	golang.org/x/text v0.31.0 // indirect
+	golang.org/x/text v0.32.0 // indirect
 	golang.org/x/time v0.5.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 // indirect
 	gopkg.in/yaml.v3 v3.0.1 // indirect
 )

api/pkg/go.sum

@@ -11,8 +11,8 @@ github.com/beorn7/perks v1.0.1/go.mod h1:G2ZrVWU2WbWT9wwq4/hrbKbnv/1ERSJQ0ibhJ6r
 github.com/bmatcuk/doublestar/v4 v4.6.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
 github.com/bmatcuk/doublestar/v4 v4.9.1 h1:X8jg9rRZmJd4yRy7ZeNDRnM+T3ZfHv15JiBJ/avrEXE=
 github.com/bmatcuk/doublestar/v4 v4.9.1/go.mod h1:xBQ8jztBU6kakFMg+8WGxn0c6z1fTSPVIjEY1Wr7jzc=
-github.com/casbin/casbin/v2 v2.134.0 h1:wyO3hZb487GzlGVAI2hUoHQT0ehFD+9B5P+HVG9BVTM=
+github.com/casbin/casbin/v2 v2.135.0 h1:6BLkMQiGotYyS5yYeWgW19vxqugUlvHFkFiLnLR/bxk=
-github.com/casbin/casbin/v2 v2.134.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
+github.com/casbin/casbin/v2 v2.135.0/go.mod h1:FmcfntdXLTcYXv/hxgNntcRPqAbwOG9xsism0yXT+18=
 github.com/casbin/govaluate v1.3.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
 github.com/casbin/govaluate v1.10.0 h1:ffGw51/hYH3w3rZcxO/KcaUIDOLP84w7nsidMVgaDG0=
 github.com/casbin/govaluate v1.10.0/go.mod h1:G/UnbIjZk/0uMNaLwZZmFQrR72tYRZWQkO70si/iR7A=
@@ -70,8 +70,8 @@ github.com/grpc-ecosystem/grpc-gateway/v2 v2.16.0 h1:YBftPWNWd4WwGqtY2yeZL2ef8rH
 github.com/grpc-ecosystem/grpc-gateway/v2 v2.16.0/go.mod h1:YN5jB8ie0yfIUg6VvR9Kz84aCaG7AsGZnLjhHbUqwPg=
 github.com/kisielk/errcheck v1.5.0/go.mod h1:pFxgyoBC7bSaBwPgfKdkLd5X25qrDl4LWUI2bnpBCr8=
 github.com/kisielk/gotool v1.0.0/go.mod h1:XhKaO+MFFWcvkIS/tQcRk01m1F5IRFswLeQ+oQHNcck=
-github.com/klauspost/compress v1.18.1 h1:bcSGx7UbpBqMChDtsF28Lw6v/G94LPrrbMbdC3JH2co=
+github.com/klauspost/compress v1.18.2 h1:iiPHWW0YrcFgpBYhsA6D1+fqHssJscY/Tm/y2Uqnapk=
-github.com/klauspost/compress v1.18.1/go.mod h1:ZQFFVG+MdnR0P+l6wpXgIL4NTtwiKIdBnrBd8Nrxr+0=
+github.com/klauspost/compress v1.18.2/go.mod h1:R0h/fSBs8DE4ENlcrlib3PsXS61voFxhIs2DeRhCvJ4=
 github.com/kr/pretty v0.3.1 h1:flRD4NNwYAUpkphVc1HcthR4KEIFJ65n8Mw5qdRn3LE=
 github.com/kr/pretty v0.3.1/go.mod h1:hoEshYVHaxMs3cyo3Yncou5ZscifuDolrwPKZanG3xk=
 github.com/kr/text v0.2.0 h1:5Nx0Ya0ZqY2ygV366QzturHI13Jq95ApcVaJBhpS+AY=
@@ -202,8 +202,8 @@ golang.org/x/crypto v0.0.0-20190308221718-c2843e01d9a2/go.mod h1:djNgcEr1/C05ACk
 golang.org/x/crypto v0.0.0-20191011191535-87dc89f01550/go.mod h1:yigFU9vqHzYiE8UmvKecakEJjdnWj3jj499lnFckfCI=
 golang.org/x/crypto v0.0.0-20200622213623-75b288015ac9/go.mod h1:LzIPMQfyMNhhGPhUkYOs5KpL4U8rLKemX1yGLhDgUto=
 golang.org/x/crypto v0.0.0-20210921155107-089bfa567519/go.mod h1:GvvjBRRGRdwPK5ydBHafDWAxML/pGHZbMvKqRZ5+Abc=
-golang.org/x/crypto v0.45.0 h1:jMBrvKuj23MTlT0bQEOBcAE0mjg8mK9RXFhRH6nyF3Q=
+golang.org/x/crypto v0.46.0 h1:cKRW/pmt1pKAfetfu+RCEvjvZkA9RimPbh7bhFjGVBU=
-golang.org/x/crypto v0.45.0/go.mod h1:XTGrrkGJve7CYK7J8PEww4aY7gM3qMCElcJQ8n8JdX4=
+golang.org/x/crypto v0.46.0/go.mod h1:Evb/oLKmMraqjZ2iQTwDwvCtJkczlDuTmdJXoZVzqU0=
 golang.org/x/mod v0.2.0/go.mod h1:s0Qsj1ACt9ePp/hMypM3fl4fZqREWJwdYDEqhRiZZUA=
 golang.org/x/mod v0.3.0/go.mod h1:s0Qsj1ACt9ePp/hMypM3fl4fZqREWJwdYDEqhRiZZUA=
 golang.org/x/mod v0.4.2/go.mod h1:s0Qsj1ACt9ePp/hMypM3fl4fZqREWJwdYDEqhRiZZUA=
@@ -216,15 +216,15 @@ golang.org/x/net v0.0.0-20201021035429-f5854403a974/go.mod h1:sp8m0HH+o8qH0wwXwY
 golang.org/x/net v0.0.0-20210226172049-e18ecbb05110/go.mod h1:m0MpNAwzfU5UDzcl9v0D8zg8gWTRqZa9RBIspLL5mdg=
 golang.org/x/net v0.0.0-20210405180319-a5a99cb37ef4/go.mod h1:p54w0d4576C0XHj96bSt6lcn1PtDYWL6XObtHCRCNQM=
 golang.org/x/net v0.0.0-20220722155237-a158d28d115b/go.mod h1:XRhObCWvk6IyKnWLug+ECip1KBveYUHfp+8e9klMJ9c=
-golang.org/x/net v0.47.0 h1:Mx+4dIFzqraBXUugkia1OOvlD6LemFo1ALMHjrXDOhY=
+golang.org/x/net v0.48.0 h1:zyQRTTrjc33Lhh0fBgT/H3oZq9WuvRR5gPC70xpDiQU=
-golang.org/x/net v0.47.0/go.mod h1:/jNxtkgq5yWUGYkaZGqo27cfGZ1c5Nen03aYrrKpVRU=
+golang.org/x/net v0.48.0/go.mod h1:+ndRgGjkh8FGtu1w1FGbEC31if4VrNVMuKTgcAAnQRY=
 golang.org/x/sync v0.0.0-20190423024810-112230192c58/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20190911185100-cd5d95a43a6e/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20201020160332-67f06af15bc9/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20210220032951-036812b2e83c/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
 golang.org/x/sync v0.0.0-20220722155255-886fb9371eb4/go.mod h1:RxMgew5VJxzue5/jJTE5uejpjVlOe/izrB70Jof72aM=
-golang.org/x/sync v0.18.0 h1:kr88TuHDroi+UVf+0hZnirlk8o8T+4MrK6mr60WkH/I=
+golang.org/x/sync v0.19.0 h1:vV+1eWNmZ5geRlYjzm2adRgW2/mcpevXNg50YZtPCE4=
-golang.org/x/sync v0.18.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
+golang.org/x/sync v0.19.0/go.mod h1:9KTHXmSnoGruLpwFjVSX0lNNA75CykiMECbovNTZqGI=
 golang.org/x/sys v0.0.0-20190215142949-d0b11bdaac8a/go.mod h1:STP8DvDyc/dI5b8T5hshtkjS+E42TnysNCUPdjciGhY=
 golang.org/x/sys v0.0.0-20190412213103-97732733099d/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
 golang.org/x/sys v0.0.0-20190916202348-b4ddaad3f8a3/go.mod h1:h1NjWce9XRLGQEsW7wpKNCjG9DtNlClVuFLEZdDNbEs=
@@ -240,18 +240,18 @@ golang.org/x/sys v0.0.0-20220715151400-c0bba94af5f8/go.mod h1:oPkhp1MJrh7nUepCBc
 golang.org/x/sys v0.0.0-20220722155257-8c9f86f7a55f/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.1.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
 golang.org/x/sys v0.6.0/go.mod h1:oPkhp1MJrh7nUepCBck5+mAzfO9JrbApNNgaTdGDITg=
-golang.org/x/sys v0.38.0 h1:3yZWxaJjBmCWXqhN1qh02AkOnCQ1poK6oF+a7xWL6Gc=
+golang.org/x/sys v0.39.0 h1:CvCKL8MeisomCi6qNZ+wbb0DN9E5AATixKsvNtMoMFk=
-golang.org/x/sys v0.38.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
+golang.org/x/sys v0.39.0/go.mod h1:OgkHotnGiDImocRcuBABYBEXf8A9a87e/uXjp9XT3ks=
 golang.org/x/term v0.0.0-20201126162022-7de9c90e9dd1/go.mod h1:bj7SfCRtBDWHUb9snDiAeCFNEtKQo2Wmx5Cou7ajbmo=
 golang.org/x/term v0.0.0-20210927222741-03fcf44c2211/go.mod h1:jbD1KX2456YbFQfuXm/mYQcufACuNUgVhRMnK/tPxf8=
-golang.org/x/term v0.37.0 h1:8EGAD0qCmHYZg6J17DvsMy9/wJ7/D/4pV/wfnld5lTU=
+golang.org/x/term v0.38.0 h1:PQ5pkm/rLO6HnxFR7N2lJHOZX6Kez5Y1gDSJla6jo7Q=
-golang.org/x/term v0.37.0/go.mod h1:5pB4lxRNYYVZuTLmy8oR2BH8dflOR+IbTYFD8fi3254=
+golang.org/x/term v0.38.0/go.mod h1:bSEAKrOT1W+VSu9TSCMtoGEOUcKxOKgl3LE5QEF/xVg=
 golang.org/x/text v0.3.0/go.mod h1:NqM8EUOU14njkJ3fqMW+pc6Ldnwhi/IjpwHt7yyuwOQ=
 golang.org/x/text v0.3.3/go.mod h1:5Zoc/QRtKVWzQhOtBMvqHzDpF6irO9z98xDceosuGiQ=
 golang.org/x/text v0.3.7/go.mod h1:u+2+/6zg+i71rQMx5EYifcz6MCKuco9NR6JIITiCfzQ=
 golang.org/x/text v0.3.8/go.mod h1:E6s5w1FMmriuDzIBO73fBruAKo1PCIq6d2Q6DHfQ8WQ=
-golang.org/x/text v0.31.0 h1:aC8ghyu4JhP8VojJ2lEHBnochRno1sgL6nEi9WGFGMM=
+golang.org/x/text v0.32.0 h1:ZD01bjUt1FQ9WJ0ClOL5vxgxOI/sVCNgX1YtKwcY0mU=
-golang.org/x/text v0.31.0/go.mod h1:tKRAlv61yKIjGGHX/4tP1LTbc13YSec1pxVEWXzfoeM=
+golang.org/x/text v0.32.0/go.mod h1:o/rUWzghvpD5TXrTIBuJU77MTaN0ljMWE47kxGJQ7jY=
 golang.org/x/time v0.5.0 h1:o7cqy6amK/52YcAKIPlM3a+Fpj35zvRj2TP+e1xFSfk=
 golang.org/x/time v0.5.0/go.mod h1:3BpzKBy/shNhVucY/MWOyx10tF3SFh9QdLuxbVysPQM=
 golang.org/x/tools v0.0.0-20180917221912-90fa682c2a6e/go.mod h1:n7NCudcB/nEzxVGmLbDWY5pfWTLqBcC2KZ6jyYvM4mQ=
@@ -269,8 +269,8 @@ gonum.org/v1/gonum v0.16.0 h1:5+ul4Swaf3ESvrOnidPp4GZbzf0mxVQpDCYUQE7OJfk=
 gonum.org/v1/gonum v0.16.0/go.mod h1:fef3am4MQ93R2HHpKnLk4/Tbh/s0+wqD5nfa6Pnwy4E=
 google.golang.org/genproto/googleapis/api v0.0.0-20251022142026-3a174f9686a8 h1:mepRgnBZa07I4TRuomDE4sTIYieg/osKmzIf4USdWS4=
 google.golang.org/genproto/googleapis/api v0.0.0-20251022142026-3a174f9686a8/go.mod h1:fDMmzKV90WSg1NbozdqrE64fkuTv6mlq2zxo9ad+3yo=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846 h1:Wgl1rcDNThT+Zn47YyCXOXyX/COgMTIdhJ717F0l4xk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217 h1:gRkg/vSppuSQoDjxyiGfN4Upv/h/DQmIR10ZU8dh4Ww=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20251124214823-79d6a2a48846/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20251202230838-ff82c1b0f217/go.mod h1:7i2o+ce6H/6BluujYR+kqX3GKH+dChPTQU19wjRPiGk=
 google.golang.org/grpc v1.77.0 h1:wVVY6/8cGA6vvffn+wWK5ToddbgdU3d8MNENr4evgXM=
 google.golang.org/grpc v1.77.0/go.mod h1:z0BY1iVj0q8E1uSQCjL9cppRj+gnZjzDnzV0dHhrNig=
 google.golang.org/protobuf v1.36.10 h1:AYd7cD/uASjIL6Q9LiTjz8JLcrh/88q5UObnmY3aOOE=