2026-01-30 16:02:58 +00:00
22 changed files with 969 additions and 185 deletions
--- a/api/proto/billing/documents/v1/documents.proto
+++ b/api/proto/billing/documents/v1/documents.proto
@@ -0,0 +1,101 @@
+syntax = "proto3";
+
+package billing.documents.v1;
+
+option go_package = "github.com/tech/sendico/pkg/proto/billing/documents/v1;documentsv1";
+
+
+// ---------------------------
+// ENUMS
+// ---------------------------
+
+// DocumentType defines supported accounting document kinds.
+enum DocumentType {
+  DOCUMENT_TYPE_UNSPECIFIED = 0;
+
+  // Invoice issued for the payment
+  DOCUMENT_TYPE_INVOICE     = 1;
+
+  // Service acceptance act (common in EU/RU accounting)
+  DOCUMENT_TYPE_ACT         = 2;
+
+  // Simple receipt confirmation
+  DOCUMENT_TYPE_RECEIPT     = 3;
+}
+
+
+// ---------------------------
+// SERVICE
+// ---------------------------
+
+// DocumentService provides document metadata for payment lists
+// and lazy document generation on demand.
+service DocumentService {
+
+  // BatchResolveDocuments is used by BFF when rendering
+  // a page of payments. This prevents N+1 calls by resolving
+  // document metadata for many payments in a single request.
+  rpc BatchResolveDocuments(BatchResolveDocumentsRequest)
+      returns (BatchResolveDocumentsResponse);
+
+  // GetDocument returns the actual PDF file.
+  // If the document was not generated before, the service
+  // generates it lazily, stores it, and returns it.
+  rpc GetDocument(GetDocumentRequest)
+      returns (GetDocumentResponse);
+}
+
+
+// ---------------------------
+// BATCH RESOLVE (for payment tables)
+// ---------------------------
+
+// BatchResolveDocumentsRequest contains a list of payment references
+// for which document availability should be resolved.
+message BatchResolveDocumentsRequest {
+  repeated string payment_refs = 1;
+}
+
+// DocumentMeta describes document availability for a single payment.
+message DocumentMeta {
+  // Payment reference
+  string payment_ref = 1;
+
+  // Document types that are applicable for this payment
+  // based on business rules and payment snapshot.
+  repeated DocumentType available_types = 2;
+
+  // Document types that were already generated and stored.
+  // Other available types will be generated lazily when requested.
+  repeated DocumentType ready_types = 3;
+}
+
+// BatchResolveDocumentsResponse returns metadata for all requested payments.
+message BatchResolveDocumentsResponse {
+  repeated DocumentMeta items = 1;
+}
+
+
+// ---------------------------
+// GET DOCUMENT (lazy generation)
+// ---------------------------
+
+// GetDocumentRequest requests a specific document for a payment.
+message GetDocumentRequest {
+  string payment_ref = 1;
+
+  // Type of document to retrieve (invoice, act, receipt, etc.)
+  DocumentType type  = 2;
+}
+
+// GetDocumentResponse returns the generated PDF content.
+message GetDocumentResponse {
+  // Raw PDF bytes
+  bytes  content   = 1;
+
+  // Suggested filename for download (e.g. invoice_123.pdf)
+  string filename  = 2;
+
+  // MIME type, typically "application/pdf"
+  string mime_type = 3;
+}
--- a/api/proto/common/account_role/v1/account_role.proto
+++ b/api/proto/common/account_role/v1/account_role.proto
@@ -0,0 +1,19 @@
+syntax = "proto3";
+
+package common.account_role.v1;
+option go_package = "github.com/tech/sendico/pkg/proto/common/account_role/v1;accountrolev1";
+
+enum AccountRole {
+  ACCOUNT_ROLE_UNSPECIFIED = 0;
+  OPERATING = 1;
+  HOLD = 2;
+  TRANSIT = 3;
+  SETTLEMENT = 4;
+  CLEARING = 5;
+  PENDING = 6;
+  RESERVE = 7;
+  LIQUIDITY = 8;
+  FEE = 9;
+  CHARGEBACK = 10;
+  ADJUSTMENT = 11;
+}
--- a/api/proto/common/gateway/v1/gateway.proto
+++ b/api/proto/common/gateway/v1/gateway.proto
@@ -47,6 +47,7 @@ enum RailOperation {
  RAIL_OPERATION_FX_CONVERT = 6;
  RAIL_OPERATION_BLOCK = 7;
  RAIL_OPERATION_RELEASE = 8;
+  RAIL_OPERATION_MOVE = 9;
 }

 // Limits in minor units, e.g. cents
--- a/api/proto/connector/v1/connector.proto
+++ b/api/proto/connector/v1/connector.proto
@@ -6,6 +6,8 @@ option go_package = "github.com/tech/sendico/pkg/proto/connector/v1;connectorv1"

 import "google/protobuf/struct.proto";
 import "google/protobuf/timestamp.proto";
+import "google/protobuf/wrappers.proto";
+import "common/account_role/v1/account_role.proto";
 import "common/describable/v1/describable.proto";
 import "common/money/v1/money.proto";
 import "common/pagination/v1/cursor.proto";
@@ -18,6 +20,7 @@ service ConnectorService {
  rpc GetAccount(GetAccountRequest) returns (GetAccountResponse);
  rpc ListAccounts(ListAccountsRequest) returns (ListAccountsResponse);
  rpc GetBalance(GetBalanceRequest) returns (GetBalanceResponse);
+  rpc UpdateAccountState(UpdateAccountStateRequest) returns (UpdateAccountStateResponse);

  rpc SubmitOperation(SubmitOperationRequest) returns (SubmitOperationResponse);
  rpc GetOperation(GetOperationRequest) returns (GetOperationResponse);
@@ -133,6 +136,7 @@ message Account {
  google.protobuf.Timestamp created_at = 8;
  google.protobuf.Timestamp updated_at = 9;
  common.describable.v1.Describable describable = 10;
+  common.account_role.v1.AccountRole role = 11; // functional role within the organization (ledger-only; unset for non-ledger connectors)
 }

 message Balance {
@@ -167,6 +171,8 @@ message Operation {
  string provider_ref = 11;
  google.protobuf.Timestamp created_at = 12;
  google.protobuf.Timestamp updated_at = 13;
+  common.account_role.v1.AccountRole from_role = 14;
+  common.account_role.v1.AccountRole to_role = 15;
 }

 message OperationReceipt {
@@ -192,6 +198,7 @@ message OpenAccountRequest {
  google.protobuf.Struct params = 6;
  string correlation_id = 7;
  string parent_intent_id = 8;
+  common.account_role.v1.AccountRole role = 9; // functional role (ledger-only; ignored by non-ledger connectors)
 }

 message OpenAccountResponse {
@@ -208,11 +215,17 @@ message GetAccountResponse {
 }

 message ListAccountsRequest {
-  string owner_ref = 1;
+  reserved 1;
+  reserved "owner_ref";
  AccountKind kind = 2;
  string asset = 3; // canonical asset string (USD, ETH, USDT-TRC20)
  common.pagination.v1.CursorPageRequest page = 4;
-  string organization_ref = 5; // optional org scope (preferred over owner_ref)
+  string organization_ref = 5;
+  // Optional owner filter with 3-state semantics:
+  // - not set: return all accounts within organization
+  // - set to empty string: return accounts where owner_ref is null/empty
+  // - set to a value: return accounts where owner_ref matches
+  google.protobuf.StringValue owner_ref_filter = 6;
 }

 message ListAccountsResponse {
@@ -220,6 +233,17 @@ message ListAccountsResponse {
  common.pagination.v1.CursorPageResponse page = 2;
 }

+message UpdateAccountStateRequest {
+  AccountRef account_ref = 1;
+  AccountState target_state = 2;
+  common.account_role.v1.AccountRole source_role = 3; // optional: assert account has this role before mutation
+}
+
+message UpdateAccountStateResponse {
+  Account account = 1;
+  ConnectorError error = 2;
+}
+
 message GetBalanceRequest {
  AccountRef account_ref = 1;
 }
--- a/api/proto/gateway/chain/v1/chain.proto
+++ b/api/proto/gateway/chain/v1/chain.proto
@@ -5,6 +5,7 @@ package chain.gateway.v1;
 option go_package = "github.com/tech/sendico/pkg/proto/gateway/chain/v1;chainv1";

 import "google/protobuf/timestamp.proto";
+import "google/protobuf/wrappers.proto";
 import "common/money/v1/money.proto";
 import "common/pagination/v1/cursor.proto";
 import "common/describable/v1/describable.proto";
@@ -85,9 +86,15 @@ message GetManagedWalletResponse {

 message ListManagedWalletsRequest {
  string organization_ref = 1;
-  string owner_ref = 2;
+  reserved 2;
+  reserved "owner_ref";
  Asset asset = 3;
  common.pagination.v1.CursorPageRequest page = 4;
+  // Optional owner filter with 3-state semantics:
+  // - not set: return all wallets within organization
+  // - set to empty string: return wallets where owner_ref is null/empty
+  // - set to a value: return wallets where owner_ref matches
+  google.protobuf.StringValue owner_ref_filter = 5;
 }

 message ListManagedWalletsResponse {
--- a/api/proto/ledger/v1/ledger.proto
+++ b/api/proto/ledger/v1/ledger.proto
@@ -5,6 +5,7 @@ package ledger.v1;
 option go_package = "github.com/tech/sendico/pkg/proto/ledger/v1;ledgerv1";

 import "google/protobuf/timestamp.proto";
+import "google/protobuf/wrappers.proto";
 import "common/describable/v1/describable.proto";
 import "common/money/v1/money.proto";

@@ -43,6 +44,21 @@ enum AccountStatus {
  ACCOUNT_STATUS_FROZEN      = 2;
 }

+enum AccountRole {
+  ACCOUNT_ROLE_UNSPECIFIED = 0;
+  ACCOUNT_ROLE_OPERATING   = 1;
+  ACCOUNT_ROLE_HOLD        = 2;
+  ACCOUNT_ROLE_TRANSIT     = 3;
+  ACCOUNT_ROLE_SETTLEMENT  = 4;
+  ACCOUNT_ROLE_CLEARING    = 5;
+  ACCOUNT_ROLE_PENDING     = 6;
+  ACCOUNT_ROLE_RESERVE     = 7;
+  ACCOUNT_ROLE_LIQUIDITY   = 8;
+  ACCOUNT_ROLE_FEE         = 9;
+  ACCOUNT_ROLE_CHARGEBACK  = 10;
+  ACCOUNT_ROLE_ADJUSTMENT  = 11;
+}
+
 // LedgerAccount captures the canonical representation of an account resource.
 message LedgerAccount {
  string ledger_account_ref          = 1;
@@ -52,12 +68,14 @@ message LedgerAccount {
  string currency                    = 5;
  AccountStatus status               = 6;
  bool allow_negative                = 7;
-  bool is_settlement                 = 8;
+  reserved 8;
+  reserved "is_settlement";
  map<string, string> metadata       = 9;
  google.protobuf.Timestamp created_at = 10;
  google.protobuf.Timestamp updated_at = 11;
  common.describable.v1.Describable describable = 12;
  string owner_ref            = 13;
+  AccountRole role            = 14;
 }

 // A single posting line (mirrors your PostingLine model)
@@ -78,9 +96,11 @@ message CreateAccountRequest {
  string currency         = 5;
  AccountStatus status    = 6;
  bool allow_negative     = 7;
-  bool is_settlement      = 8;
+  reserved 8;
+  reserved "is_settlement";
  map<string, string> metadata = 9;
  common.describable.v1.Describable describable = 10;
+  AccountRole role = 11;
 }

 message CreateAccountResponse {
@@ -98,6 +118,7 @@ message PostCreditRequest {
  map<string, string> metadata     = 7;
  google.protobuf.Timestamp event_time = 8;
  string contra_ledger_account_ref = 9; // optional override for settlement/contra account
+  AccountRole role                 = 10; // optional: assert target account has this role
 }

 message PostDebitRequest {
@@ -110,6 +131,7 @@ message PostDebitRequest {
  map<string, string> metadata     = 7;
  google.protobuf.Timestamp event_time = 8;
  string contra_ledger_account_ref = 9; // optional override for settlement/contra account
+  AccountRole role                 = 10; // optional: assert target account has this role
 }

 message TransferRequest {
@@ -122,6 +144,8 @@ message TransferRequest {
  repeated PostingLine charges     = 7; // optional FEE/SPREAD lines
  map<string, string> metadata     = 8;
  google.protobuf.Timestamp event_time = 9;
+  AccountRole from_role = 10;
+  AccountRole to_role = 11;
 }

 message FXRequest {
@@ -188,8 +212,35 @@ message StatementResponse {

 message ListAccountsRequest {
  string organization_ref = 1;
+  // Optional owner filter with 3-state semantics:
+  // - not set: return all accounts within organization
+  // - set to empty string: return accounts where owner_ref is null/empty
+  // - set to a value: return accounts where owner_ref matches
+  google.protobuf.StringValue owner_ref_filter = 2;
 }

 message ListAccountsResponse {
  repeated LedgerAccount accounts = 1;
 }
+
+// ---- Account status mutations ----
+
+message BlockAccountRequest {
+  string ledger_account_ref = 1;
+  string organization_ref   = 2;
+  AccountRole role           = 3; // optional: assert account has this role before blocking
+}
+
+message BlockAccountResponse {
+  LedgerAccount account = 1;
+}
+
+message UnblockAccountRequest {
+  string ledger_account_ref = 1;
+  string organization_ref   = 2;
+  AccountRole role           = 3; // optional: assert account has this role before unblocking
+}
+
+message UnblockAccountResponse {
+  LedgerAccount account = 1;
+}
--- a/api/server/.air.toml
+++ b/api/server/.air.toml
@@ -1,57 +1,46 @@
-# Config file for [Air](https://github.com/air-verse/air) in TOML format
-
-# Working directory
-# . or absolute path, please note that the directories following must be under root.
-root = "./.."
+root = "."
+testdata_dir = "testdata"
 tmp_dir = "tmp"

 [build]
-# Just plain old shell command. You could use `make` as well.
-cmd = "go build -o app -ldflags \"-X 'github.com/tech/sendico/server/internal/appversion.BuildUser=$(whoami)' -X 'github.com/tech/sendico/server/internal/appversion.Version=$APP_V' -X 'github.com/tech/sendico/server/internal/appversion.Branch=$BUILD_BRANCH' -X 'github.com/tech/sendico/server/internal/appversion.Revision=$GIT_REV' -X 'github.com/tech/sendico/server/internal/appversion.BuildDate=$(date)' -X 'github.com/tech/sendico/server/internal/mutil/ampli.Version=$APP_V'\""
-# Binary file yields from `cmd`.
-bin = "./app"
-# Customize binary, can setup environment variables when run your app.
-full_bin = "./app --debug"
-# Watch these filename extensions.
-include_ext = ["go"]
-# Ignore these filename extensions or directories.
-exclude_dir = ["server/.git", "pkg/.git", "server/tmp", "server/storage", "server/resources", "server/env"]
-# Watch these directories if you specified.
-include_dir = []
-# Watch these files.
-include_file = []
-# Exclude files.
-exclude_file = []
-# Exclude specific regular expressions.
-exclude_regex = ["_test\\.go"]
-# Exclude unchanged files.
-exclude_unchanged = true
-# Follow symlink for directories
-follow_symlink = true
-# This log file places in your tmp_dir.
-log = "air.log"
-# It's not necessary to trigger build each time file changes if it's too frequent.
-delay = 0 # ms
-# Stop running old binary when build errors occur.
-stop_on_error = true
-# Send Interrupt signal before killing process (windows does not support this feature)
-send_interrupt = true
-# Delay after sending Interrupt signal
-kill_delay = 500 # ms
-# Add additional arguments when running binary (bin/full_bin). Will run './tmp/main hello world'.
-args_bin = []
-
-[log]
-# Show log time
-time = false
+  args_bin = []
+  entrypoint = "./tmp/main"
+  cmd = "go build -o ./tmp/main ."
+  delay = 1000
+  exclude_dir = ["assets", "tmp", "vendor", "testdata"]
+  exclude_file = []
+  exclude_regex = ["_test.go", "_templ.go"]
+  exclude_unchanged = false
+  follow_symlink = false
+  full_bin = ""
+  include_dir = []
+  include_ext = ["go", "tpl", "tmpl", "html"]
+  include_file = []
+  kill_delay = "0s"
+  log = "build-errors.log"
+  poll = false
+  poll_interval = 0
+  post_cmd = []
+  pre_cmd = []
+  rerun = false
+  rerun_delay = 500
+  send_interrupt = false
+  stop_on_error = false

 [color]
-# Customize each part's color. If no color found, use the raw app log.
-main = "magenta"
-watcher = "cyan"
-build = "yellow"
-runner = "green"
+  app = ""
+  build = "yellow"
+  main = "magenta"
+  runner = "green"
+  watcher = "cyan"
+
+[log]
+  main_only = false
+  time = false

 [misc]
-# Delete tmp directory on exit
-clean_on_exit = true
+  clean_on_exit = false
+
+[screen]
+  clear_on_rebuild = false
+  keep_scroll = true
--- a/api/server/.gitignore
+++ b/api/server/.gitignore
@@ -2,3 +2,4 @@
 /server
 /storage
 .gocache
+tmp
--- a/api/server/assets/resources/logo.png
+++ b/api/server/assets/resources/logo.png
--- a/api/server/config.dev.yml
+++ b/api/server/config.dev.yml
@@ -0,0 +1,121 @@
+http_server:
+  listen_address: :8080
+  read_header_timeout: 60
+  shutdown_timeout: 5
+
+api:
+  amplitude:
+    ampli_environment_env: AMPLI_ENVIRONMENT
+  middleware:
+    api_protocol_env: API_PROTOCOL
+    domain_env: SERVICE_HOST
+    api_endpoint_env: API_ENDPOINT
+    signature:
+      secret_key_env: API_ENDPOINT_SECRET
+      algorithm: HS256
+    CORS:
+      max_age: 300
+      allowed_origins:
+        - "*"
+      allowed_methods:
+        - "GET"
+        - "POST"
+        - "PUT"
+        - "PATCH"
+        - "DELETE"
+        - "OPTIONS"
+      allowed_headers:
+        - "Accept"
+        - "Authorization"
+        - "Content-Type"
+        - "X-Requested-With"
+      exposed_headers:
+      allow_credentials: false
+    websocket:
+      endpoint_env: WS_ENDPOINT
+      timeout: 60
+    message_broker:
+      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: Sendico Backend server
+        max_reconnects: 10          
+        reconnect_wait: 5           
+        buffer_size: 1024
+      # type: in-process
+      # settings:
+      #   buffer_size: 10
+    token: 
+      expiration_hours:
+        account: 24
+        refresh: 720
+      length: 32
+    password: 
+      token_length: 32
+      check:
+        min_length: 8
+        digit: true
+        upper: true 
+        lower: true
+        special: true
+
+
+  storage:
+    # driver: aws_s3
+    # settings:
+    #   access_key_id_env: S3_ACCESS_KEY_ID
+    #   secret_access_key_env: S3_ACCESS_KEY_SECRET
+    #   region_env: S3_REGION
+    #   bucket_name_env: S3_BUCKET_NAME
+    driver: local_fs
+    settings:
+      root_path: ./storage
+
+  chain_gateway:
+    address: dev-chain-gateway:50070
+    address_env: CHAIN_GATEWAY_ADDRESS
+    dial_timeout_seconds: 5
+    call_timeout_seconds: 5
+    insecure: true
+    default_asset:
+      chain: TRON_NILE
+      token_symbol: USDT
+      contract_address: ""
+  ledger:
+    address: dev-ledger:50052
+    address_env: LEDGER_ADDRESS
+    dial_timeout_seconds: 5
+    call_timeout_seconds: 5
+    insecure: true
+  payment_orchestrator:
+    address: dev-payments-orchestrator:50062
+    address_env: PAYMENTS_ADDRESS
+    dial_timeout_seconds: 5
+    call_timeout_seconds: 5
+    insecure: true
+
+app:
+
+database:
+  driver: mongodb
+  settings:
+    host_env: MONGO_HOST
+    port_env: MONGO_PORT
+    database_env: MONGO_DATABASE
+    user_env: MONGO_USER
+    password_env: MONGO_PASSWORD
+    auth_source_env: MONGO_AUTH_SOURCE
+    replica_set_env: MONGO_REPLICA_SET
+    enforcer: 
+      driver: native
+      settings:
+        model_path_env: PERMISSION_MODEL
+        adapter:
+          collection_name_env: PERMISSION_COLLECTION
+          database_name_env: MONGO_DATABASE
+          timeout_seconds_env: PERMISSION_TIMEOUT
+          is_filtered_env: PERMISSION_IS_FILTERED
--- a/api/server/go.mod
+++ b/api/server/go.mod
@@ -1,6 +1,6 @@
 module github.com/tech/sendico/server

-go 1.25.3
+go 1.25.6

 replace github.com/tech/sendico/pkg => ../pkg

@@ -14,7 +14,7 @@ require (
 	github.com/aws/aws-sdk-go-v2 v1.41.1
 	github.com/aws/aws-sdk-go-v2/config v1.32.7
 	github.com/aws/aws-sdk-go-v2/credentials v1.19.7
-	github.com/aws/aws-sdk-go-v2/service/s3 v1.95.1
+	github.com/aws/aws-sdk-go-v2/service/s3 v1.96.0
 	github.com/go-chi/chi/v5 v5.2.4
 	github.com/go-chi/cors v1.2.2
 	github.com/go-chi/jwtauth/v5 v5.3.3
@@ -32,6 +32,7 @@ require (
 	go.mongodb.org/mongo-driver v1.17.7
 	go.uber.org/zap v1.27.1
 	golang.org/x/net v0.49.0
+	google.golang.org/grpc v1.78.0
 	google.golang.org/protobuf v1.36.11
 	gopkg.in/yaml.v3 v3.0.1
 	moul.io/chizap v1.0.3
@@ -139,6 +140,5 @@ require (
 	golang.org/x/sync v0.19.0 // indirect
 	golang.org/x/sys v0.40.0 // indirect
 	golang.org/x/text v0.33.0 // indirect
-	google.golang.org/genproto/googleapis/rpc v0.0.0-20260122232226-8e98ce8d340d // indirect
-	google.golang.org/grpc v1.78.0 // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20260128011058-8636f8732409 // indirect
 )
--- a/api/server/go.sum
+++ b/api/server/go.sum
@@ -32,8 +32,8 @@ github.com/aws/aws-sdk-go-v2/service/internal/presigned-url v1.13.17 h1:RuNSMooz
 github.com/aws/aws-sdk-go-v2/service/internal/presigned-url v1.13.17/go.mod h1:F2xxQ9TZz5gDWsclCtPQscGpP0VUOc8RqgFM3vDENmU=
 github.com/aws/aws-sdk-go-v2/service/internal/s3shared v1.19.17 h1:bGeHBsGZx0Dvu/eJC0Lh9adJa3M1xREcndxLNZlve2U=
 github.com/aws/aws-sdk-go-v2/service/internal/s3shared v1.19.17/go.mod h1:dcW24lbU0CzHusTE8LLHhRLI42ejmINN8Lcr22bwh/g=
-github.com/aws/aws-sdk-go-v2/service/s3 v1.95.1 h1:C2dUPSnEpy4voWFIq3JNd8gN0Y5vYGDo44eUE58a/p8=
-github.com/aws/aws-sdk-go-v2/service/s3 v1.95.1/go.mod h1:5jggDlZ2CLQhwJBiZJb4vfk4f0GxWdEDruWKEJ1xOdo=
+github.com/aws/aws-sdk-go-v2/service/s3 v1.96.0 h1:oeu8VPlOre74lBA/PMhxa5vewaMIMmILM+RraSyB8KA=
+github.com/aws/aws-sdk-go-v2/service/s3 v1.96.0/go.mod h1:5jggDlZ2CLQhwJBiZJb4vfk4f0GxWdEDruWKEJ1xOdo=
 github.com/aws/aws-sdk-go-v2/service/signin v1.0.5 h1:VrhDvQib/i0lxvr3zqlUwLwJP4fpmpyD9wYG1vfSu+Y=
 github.com/aws/aws-sdk-go-v2/service/signin v1.0.5/go.mod h1:k029+U8SY30/3/ras4G/Fnv/b88N4mAfliNn08Dem4M=
 github.com/aws/aws-sdk-go-v2/service/sso v1.30.9 h1:v6EiMvhEYBoHABfbGB4alOYmCIrcgyPPiBE1wZAEbqk=
@@ -361,8 +361,8 @@ 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 v0.0.0-20251029180050-ab9386a59fda h1:+2XxjfsAu6vqFxwGBRcHiMaDCuZiqXGDUDVWVtrFAnE=
 google.golang.org/genproto/googleapis/api v0.0.0-20251029180050-ab9386a59fda/go.mod h1:fDMmzKV90WSg1NbozdqrE64fkuTv6mlq2zxo9ad+3yo=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20260122232226-8e98ce8d340d h1:xXzuihhT3gL/ntduUZwHECzAn57E8dA6l8SOtYWdD8Q=
-google.golang.org/genproto/googleapis/rpc v0.0.0-20260122232226-8e98ce8d340d/go.mod h1:j9x/tPzZkyxcgEFkiKEEGxfvyumM01BEtsW8xzOahRQ=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20260128011058-8636f8732409 h1:H86B94AW+VfJWDqFeEbBPhEtHzJwJfTbgE2lZa54ZAQ=
+google.golang.org/genproto/googleapis/rpc v0.0.0-20260128011058-8636f8732409/go.mod h1:j9x/tPzZkyxcgEFkiKEEGxfvyumM01BEtsW8xzOahRQ=
 google.golang.org/grpc v1.78.0 h1:K1XZG/yGDJnzMdd/uZHAkVqJE+xIDOcmdSFZkBUicNc=
 google.golang.org/grpc v1.78.0/go.mod h1:I47qjTo4OKbMkjA/aOOwxDIiPSBofUtQUI5EfpWvW7U=
 google.golang.org/protobuf v1.36.11 h1:fV6ZwhNocDyBLK0dj+fg8ektcVegBBuEolpbTQyBNVE=
--- a/api/server/interface/api/srequest/ledger.go
+++ b/api/server/interface/api/srequest/ledger.go
@@ -3,6 +3,7 @@ package srequest
 import (
 	"strings"

+	"github.com/tech/sendico/pkg/ledgerconv"
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/model"
 	"go.mongodb.org/mongo-driver/bson/primitive"
@@ -30,7 +31,7 @@ type CreateLedgerAccount struct {
 	AccountType   LedgerAccountType   `json:"accountType"`
 	Currency      string              `json:"currency"`
 	AllowNegative bool                `json:"allowNegative,omitempty"`
-	IsSettlement  bool                `json:"isSettlement,omitempty"`
+	Role          model.AccountRole   `json:"role"`
 	Describable   model.Describable   `json:"describable"`
 	OwnerRef      *primitive.ObjectID `json:"ownerRef,omitempty"`
 	Metadata      map[string]string   `json:"metadata,omitempty"`
@@ -43,5 +44,10 @@ func (r *CreateLedgerAccount) Validate() error {
 	if strings.TrimSpace(string(r.AccountType)) == "" || strings.EqualFold(string(r.AccountType), string(LedgerAccountTypeUnspecified)) {
 		return merrors.InvalidArgument("accountType is required", "accountType")
 	}
+	if role := strings.TrimSpace(string(r.Role)); role != "" {
+		if _, ok := ledgerconv.ParseAccountRole(role); !ok || ledgerconv.IsAccountRoleUnspecified(role) {
+			return merrors.InvalidArgument("role is invalid", "role")
+		}
+	}
 	return nil
 }
--- a/api/server/interface/api/sresponse/ledger.go
+++ b/api/server/interface/api/sresponse/ledger.go
@@ -21,7 +21,7 @@ type ledgerAccount struct {
 	Currency          string            `json:"currency"`
 	Status            string            `json:"status"`
 	AllowNegative     bool              `json:"allowNegative"`
-	IsSettlement      bool              `json:"isSettlement"`
+	Role              string            `json:"role"`
 	Metadata          map[string]string `json:"metadata,omitempty"`
 	CreatedAt         time.Time         `json:"createdAt,omitempty"`
 	UpdatedAt         time.Time         `json:"updatedAt,omitempty"`
@@ -96,7 +96,7 @@ func toLedgerAccount(acc *ledgerv1.LedgerAccount) ledgerAccount {
 		Currency:         acc.GetCurrency(),
 		Status:           acc.GetStatus().String(),
 		AllowNegative:    acc.GetAllowNegative(),
-		IsSettlement:     acc.GetIsSettlement(),
+		Role:             acc.GetRole().String(),
 		Metadata:         acc.GetMetadata(),
 		CreatedAt:        acc.GetCreatedAt().AsTime(),
 		UpdatedAt:        acc.GetUpdatedAt().AsTime(),
--- a/api/server/interface/api/sresponse/wallet.go
+++ b/api/server/interface/api/sresponse/wallet.go
@@ -1,6 +1,7 @@
 package sresponse

 import (
+	"fmt"
 	"net/http"
 	"strings"
 	"time"
@@ -8,7 +9,9 @@ import (
 	"github.com/tech/sendico/pkg/api/http/response"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/model"
+	moneyv1 "github.com/tech/sendico/pkg/proto/common/money/v1"
 	paginationv1 "github.com/tech/sendico/pkg/proto/common/pagination/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
 	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	"google.golang.org/protobuf/types/known/timestamppb"
 )
@@ -153,3 +156,137 @@ func chainNetworkValue(chain chainv1.ChainNetwork) string {
 	}
 	return strings.ToLower(trimmed)
 }
+
+// WalletsFromAccounts converts connector accounts to wallet response format.
+// Used when querying multiple gateways via discovery.
+func WalletsFromAccounts(logger mlogger.Logger, accounts []*connectorv1.Account, accessToken *TokenData) http.HandlerFunc {
+	dto := walletsResponse{
+		authResponse: authResponse{AccessToken: *accessToken},
+	}
+	dto.Wallets = make([]wallet, 0, len(accounts))
+	for _, acc := range accounts {
+		if acc == nil {
+			continue
+		}
+		dto.Wallets = append(dto.Wallets, accountToWallet(acc))
+	}
+	return response.Ok(logger, dto)
+}
+
+func accountToWallet(acc *connectorv1.Account) wallet {
+	if acc == nil {
+		return wallet{}
+	}
+
+	// Extract wallet details from provider details
+	details := map[string]interface{}{}
+	if acc.GetProviderDetails() != nil {
+		details = acc.GetProviderDetails().AsMap()
+	}
+
+	walletRef := ""
+	if ref := acc.GetRef(); ref != nil {
+		walletRef = strings.TrimSpace(ref.GetAccountId())
+	}
+	if v := stringFromDetails(details, "wallet_ref"); v != "" {
+		walletRef = v
+	}
+
+	organizationRef := stringFromDetails(details, "organization_ref")
+	ownerRef := strings.TrimSpace(acc.GetOwnerRef())
+	if v := stringFromDetails(details, "owner_ref"); v != "" {
+		ownerRef = v
+	}
+
+	chain := stringFromDetails(details, "network")
+	tokenSymbol := stringFromDetails(details, "token_symbol")
+	contractAddress := stringFromDetails(details, "contract_address")
+	depositAddress := stringFromDetails(details, "deposit_address")
+
+	name := ""
+	if d := acc.GetDescribable(); d != nil {
+		name = strings.TrimSpace(d.GetName())
+	}
+	if name == "" {
+		name = strings.TrimSpace(acc.GetLabel())
+	}
+	if name == "" {
+		name = walletRef
+	}
+
+	var description *string
+	if d := acc.GetDescribable(); d != nil && d.Description != nil {
+		if trimmed := strings.TrimSpace(d.GetDescription()); trimmed != "" {
+			description = &trimmed
+		}
+	}
+
+	status := acc.GetState().String()
+	// Convert connector state to wallet status format
+	switch acc.GetState() {
+	case connectorv1.AccountState_ACCOUNT_ACTIVE:
+		status = "MANAGED_WALLET_ACTIVE"
+	case connectorv1.AccountState_ACCOUNT_SUSPENDED:
+		status = "MANAGED_WALLET_SUSPENDED"
+	case connectorv1.AccountState_ACCOUNT_CLOSED:
+		status = "MANAGED_WALLET_CLOSED"
+	}
+
+	return wallet{
+		WalletRef:       walletRef,
+		OrganizationRef: organizationRef,
+		OwnerRef:        ownerRef,
+		Asset: walletAsset{
+			Chain:           chain,
+			TokenSymbol:     tokenSymbol,
+			ContractAddress: contractAddress,
+		},
+		DepositAddress: depositAddress,
+		Status:         status,
+		Name:           name,
+		Description:    description,
+		CreatedAt:      tsToString(acc.GetCreatedAt()),
+		UpdatedAt:      tsToString(acc.GetUpdatedAt()),
+	}
+}
+
+func stringFromDetails(details map[string]interface{}, key string) string {
+	if details == nil {
+		return ""
+	}
+	if value, ok := details[key]; ok {
+		return strings.TrimSpace(fmt.Sprint(value))
+	}
+	return ""
+}
+
+// WalletBalanceFromConnector converts connector balance to wallet balance response format.
+// Used when querying gateways via discovery.
+func WalletBalanceFromConnector(logger mlogger.Logger, bal *connectorv1.Balance, accessToken *TokenData) http.HandlerFunc {
+	return response.Ok(logger, walletBalanceResponse{
+		Balance:      connectorBalanceToWalletBalance(bal),
+		authResponse: authResponse{AccessToken: *accessToken},
+	})
+}
+
+func connectorBalanceToWalletBalance(b *connectorv1.Balance) walletBalance {
+	if b == nil {
+		return walletBalance{}
+	}
+	return walletBalance{
+		Available:       connectorMoneyToModel(b.GetAvailable()),
+		PendingInbound:  connectorMoneyToModel(b.GetPendingInbound()),
+		PendingOutbound: connectorMoneyToModel(b.GetPendingOutbound()),
+		CalculatedAt:    tsToString(b.GetCalculatedAt()),
+	}
+}
+
+func connectorMoneyToModel(m *moneyv1.Money) *model.Money {
+	if m == nil {
+		return nil
+	}
+	return &model.Money{
+		Amount:   m.GetAmount(),
+		Currency: m.GetCurrency(),
+	}
+}
--- a/api/server/internal/mutil/proto/chain.go
+++ b/api/server/internal/mutil/proto/chain.go
@@ -10,18 +10,18 @@ import (

 func Network2Proto(network model.ChainNetwork) (chainv1.ChainNetwork, error) {
 	switch network {
-	case model.ChainNetworkARB:
+	case model.ChainNetworkArbitrumOne:
 		return chainv1.ChainNetwork_CHAIN_NETWORK_ARBITRUM_ONE, nil
-	case model.ChainNetworkEthMain:
+	case model.ChainNetworkEthereumMainnet:
 		return chainv1.ChainNetwork_CHAIN_NETWORK_ETHEREUM_MAINNET, nil
-	case model.ChainNetworkTronMain:
+	case model.ChainNetworkTronMainnet:
 		return chainv1.ChainNetwork_CHAIN_NETWORK_TRON_MAINNET, nil
 	case model.ChainNetworkTronNile:
 		return chainv1.ChainNetwork_CHAIN_NETWORK_TRON_NILE, nil
 	case model.ChainNetworkUnspecified:
 		return chainv1.ChainNetwork_CHAIN_NETWORK_UNSPECIFIED, nil
 	default:
-		return chainv1.ChainNetwork_CHAIN_NETWORK_UNSPECIFIED, merrors.InvalidArgument(fmt.Sprintf("Unkwnown chain network value '%s'", network), "network")
+		return chainv1.ChainNetwork_CHAIN_NETWORK_UNSPECIFIED, merrors.InvalidArgument(fmt.Sprintf("unknown chain network value '%s'", network), "network")
 	}
 }

--- a/api/server/internal/server/ledgerapiimp/create.go
+++ b/api/server/internal/server/ledgerapiimp/create.go
@@ -47,6 +47,10 @@ func (a *LedgerAPI) createAccount(r *http.Request, account *model.Account, token
 	if err != nil {
 		return response.BadPayload(a.logger, a.Name(), err)
 	}
+	accountRole, err := mapLedgerAccountRole(payload.Role)
+	if err != nil {
+		return response.BadPayload(a.logger, a.Name(), err)
+	}
 	if a.client == nil {
 		return response.Internal(a.logger, mservice.Ledger, merrors.Internal("ledger client is not configured"))
 	}
@@ -78,7 +82,7 @@ func (a *LedgerAPI) createAccount(r *http.Request, account *model.Account, token
 		Currency:        payload.Currency,
 		Status:          ledgerv1.AccountStatus_ACCOUNT_STATUS_ACTIVE,
 		AllowNegative:   payload.AllowNegative,
-		IsSettlement:    payload.IsSettlement,
+		Role:            accountRole,
 		Metadata:        payload.Metadata,
 		Describable:     describable,
 	})
@@ -128,14 +132,14 @@ func mapLedgerAccountType(accountType srequest.LedgerAccountType) (ledgerv1.Acco
 	return parsed, nil
 }

-func mapLedgerAccountStatus(status srequest.LedgerAccountStatus) (ledgerv1.AccountStatus, error) {
-	raw := string(status)
-	if ledgerconv.IsAccountStatusUnspecified(raw) {
-		return ledgerv1.AccountStatus_ACCOUNT_STATUS_UNSPECIFIED, nil
+func mapLedgerAccountRole(role model.AccountRole) (ledgerv1.AccountRole, error) {
+	raw := strings.TrimSpace(string(role))
+	if ledgerconv.IsAccountRoleUnspecified(raw) {
+		return ledgerv1.AccountRole_ACCOUNT_ROLE_OPERATING, nil
 	}
-	parsed, ok := ledgerconv.ParseAccountStatus(raw)
+	parsed, ok := ledgerconv.ParseAccountRole(raw)
 	if !ok {
-		return ledgerv1.AccountStatus_ACCOUNT_STATUS_UNSPECIFIED, merrors.InvalidArgument("unsupported status: "+string(status), "status")
+		return ledgerv1.AccountRole_ACCOUNT_ROLE_UNSPECIFIED, merrors.InvalidArgument("unsupported role: "+raw, "role")
 	}
 	return parsed, nil
 }
--- a/api/server/internal/server/ledgerapiimp/list.go
+++ b/api/server/internal/server/ledgerapiimp/list.go
@@ -7,11 +7,13 @@ import (
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/model"
 	"github.com/tech/sendico/pkg/mservice"
+	"github.com/tech/sendico/pkg/mutil/mzap"
 	ledgerv1 "github.com/tech/sendico/pkg/proto/ledger/v1"
 	"github.com/tech/sendico/server/interface/api/sresponse"
 	mutil "github.com/tech/sendico/server/internal/mutil/param"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 	"go.uber.org/zap"
+	"google.golang.org/protobuf/types/known/wrapperspb"
 )

 func (a *LedgerAPI) listAccounts(r *http.Request, account *model.Account, token *sresponse.TokenData) http.HandlerFunc {
@@ -22,22 +24,28 @@ func (a *LedgerAPI) listAccounts(r *http.Request, account *model.Account, token
 	}

 	ctx := r.Context()
-	res, err := a.enf.Enforce(ctx, a.permissionRef, account.ID, orgRef, primitive.NilObjectID, model.ActionRead)
+	hasReadPermission, err := a.enf.Enforce(ctx, a.permissionRef, account.ID, orgRef, primitive.NilObjectID, model.ActionRead)
 	if err != nil {
 		a.logger.Warn("Failed to check ledger accounts access permissions", zap.Error(err), mutil.PLog(a.oph, r))
 		return response.Auto(a.logger, a.Name(), err)
 	}
-	if !res {
-		a.logger.Debug("Access denied when listing ledger accounts", mutil.PLog(a.oph, r))
-		return response.AccessDenied(a.logger, a.Name(), "ledger accounts read permission denied")
-	}
 	if a.client == nil {
 		return response.Internal(a.logger, mservice.Ledger, merrors.Internal("ledger client is not configured"))
 	}

-	resp, err := a.client.ListAccounts(ctx, &ledgerv1.ListAccountsRequest{
+	req := &ledgerv1.ListAccountsRequest{
 		OrganizationRef: orgRef.Hex(),
-	})
+	}
+
+	// If user has read permission, return all accounts in organization.
+	// Otherwise, filter to only accounts owned by the requesting account.
+	if !hasReadPermission {
+		req.OwnerRefFilter = wrapperspb.String(account.ID.Hex())
+		a.logger.Debug("Filtering ledger accounts by owner due to limited permissions",
+			mzap.ObjRef("owner_ref", account.ID), mutil.PLog(a.oph, r))
+	}
+
+	resp, err := a.client.ListAccounts(ctx, req)
 	if err != nil {
 		a.logger.Warn("Failed to list ledger accounts", zap.Error(err), zap.String("organization_ref", orgRef.Hex()))
 		return response.Auto(a.logger, mservice.Ledger, err)
--- a/api/server/internal/server/walletapiimp/balance.go
+++ b/api/server/internal/server/walletapiimp/balance.go
@@ -1,18 +1,25 @@
 package walletapiimp

 import (
+	"context"
+	"crypto/tls"
 	"net/http"
 	"strings"
+	"sync"

 	"github.com/tech/sendico/pkg/api/http/response"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/model"
 	"github.com/tech/sendico/pkg/mservice"
-	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
 	"github.com/tech/sendico/server/interface/api/sresponse"
 	mutil "github.com/tech/sendico/server/internal/mutil/param"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 	"go.uber.org/zap"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials"
+	"google.golang.org/grpc/credentials/insecure"
 )

 func (a *WalletAPI) getWalletBalance(r *http.Request, account *model.Account, token *sresponse.TokenData) http.HandlerFunc {
@@ -36,21 +43,126 @@ func (a *WalletAPI) getWalletBalance(r *http.Request, account *model.Account, to
 		a.logger.Debug("Access denied when reading wallet balance", mutil.PLog(a.oph, r), zap.String("wallet_ref", walletRef))
 		return response.AccessDenied(a.logger, a.Name(), "wallet balance read permission denied")
 	}
-	if a.chainGateway == nil {
-		return response.Internal(a.logger, mservice.ChainGateway, merrors.Internal("chain gateway client is not configured"))
+
+	if a.discovery == nil {
+		return response.Internal(a.logger, mservice.ChainGateway, merrors.Internal("discovery client is not configured"))
 	}

-	resp, err := a.chainGateway.GetWalletBalance(ctx, &chainv1.GetWalletBalanceRequest{WalletRef: walletRef})
+	// Discover CRYPTO rail gateways
+	lookupCtx, cancel := context.WithTimeout(ctx, discoveryLookupTimeout)
+	defer cancel()
+
+	lookupResp, err := a.discovery.Lookup(lookupCtx)
 	if err != nil {
-		a.logger.Warn("Failed to fetch wallet balance", zap.Error(err), zap.String("wallet_ref", walletRef))
+		a.logger.Warn("Failed to lookup discovery registry", zap.Error(err))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+
+	// Filter gateways by CRYPTO rail
+	cryptoGateways := filterCryptoGateways(lookupResp.Gateways)
+	if len(cryptoGateways) == 0 {
+		a.logger.Debug("No CRYPTO rail gateways found in discovery")
+		return response.Auto(a.logger, a.Name(), merrors.NoData("no crypto gateways available"))
+	}
+
+	// Query all gateways in parallel to find the wallet balance
+	bal, err := a.queryBalanceFromGateways(ctx, cryptoGateways, walletRef)
+	if err != nil {
+		a.logger.Warn("Failed to fetch wallet balance from gateways", zap.Error(err), zap.String("wallet_ref", walletRef))
 		return response.Auto(a.logger, mservice.ChainGateway, err)
 	}

-	bal := resp.GetBalance()
 	if bal == nil {
-		a.logger.Warn("Wallet balance missing in response", zap.String("wallet_ref", walletRef))
-		return response.Auto(a.logger, mservice.ChainGateway, merrors.Internal("wallet balance not available"))
+		a.logger.Warn("Wallet balance not found on any gateway", zap.String("wallet_ref", walletRef))
+		return response.Auto(a.logger, mservice.ChainGateway, merrors.NoData("wallet not found"))
 	}

-	return sresponse.WalletBalance(a.logger, bal, token)
+	return sresponse.WalletBalanceFromConnector(a.logger, bal, token)
+}
+
+func (a *WalletAPI) queryBalanceFromGateways(ctx context.Context, gateways []discovery.GatewaySummary, walletRef string) (*connectorv1.Balance, error) {
+	var mu sync.Mutex
+	var wg sync.WaitGroup
+	var result *connectorv1.Balance
+	var lastErr error
+
+	for _, gw := range gateways {
+		wg.Add(1)
+		go func(gateway discovery.GatewaySummary) {
+			defer wg.Done()
+
+			bal, err := a.queryGatewayBalance(ctx, gateway, walletRef)
+			if err != nil {
+				a.logger.Debug("Failed to query gateway for balance",
+					zap.String("gateway_id", gateway.ID),
+					zap.String("invoke_uri", gateway.InvokeURI),
+					zap.String("wallet_ref", walletRef),
+					zap.Error(err))
+				mu.Lock()
+				lastErr = err
+				mu.Unlock()
+				return
+			}
+
+			if bal != nil {
+				mu.Lock()
+				if result == nil {
+					result = bal
+					a.logger.Debug("Found wallet balance on gateway",
+						zap.String("gateway_id", gateway.ID),
+						zap.String("network", gateway.Network),
+						zap.String("wallet_ref", walletRef))
+				}
+				mu.Unlock()
+			}
+		}(gw)
+	}
+
+	wg.Wait()
+
+	if result != nil {
+		return result, nil
+	}
+	if lastErr != nil {
+		return nil, lastErr
+	}
+	return nil, nil
+}
+
+func (a *WalletAPI) queryGatewayBalance(ctx context.Context, gateway discovery.GatewaySummary, walletRef string) (*connectorv1.Balance, error) {
+	// Create connection with timeout
+	dialCtx, cancel := context.WithTimeout(ctx, a.dialTimeout)
+	defer cancel()
+
+	var dialOpts []grpc.DialOption
+	if a.insecure {
+		dialOpts = append(dialOpts, grpc.WithTransportCredentials(insecure.NewCredentials()))
+	} else {
+		dialOpts = append(dialOpts, grpc.WithTransportCredentials(credentials.NewTLS(&tls.Config{})))
+	}
+
+	conn, err := grpc.DialContext(dialCtx, gateway.InvokeURI, dialOpts...)
+	if err != nil {
+		return nil, merrors.InternalWrap(err, "dial gateway")
+	}
+	defer conn.Close()
+
+	client := connectorv1.NewConnectorServiceClient(conn)
+
+	// Call with timeout
+	callCtx, callCancel := context.WithTimeout(ctx, a.callTimeout)
+	defer callCancel()
+
+	req := &connectorv1.GetBalanceRequest{
+		AccountRef: &connectorv1.AccountRef{
+			AccountId: walletRef,
+		},
+	}
+
+	resp, err := client.GetBalance(callCtx, req)
+	if err != nil {
+		return nil, err
+	}
+
+	return resp.GetBalance(), nil
 }
--- a/api/server/internal/server/walletapiimp/create.go
+++ b/api/server/internal/server/walletapiimp/create.go
@@ -1,24 +1,29 @@
 package walletapiimp

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

 	"github.com/google/uuid"
 	"github.com/tech/sendico/pkg/api/http/response"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/model"
 	"github.com/tech/sendico/pkg/mservice"
 	"github.com/tech/sendico/pkg/mutil/mzap"
-	describablev1 "github.com/tech/sendico/pkg/proto/common/describable/v1"
-	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
 	"github.com/tech/sendico/server/interface/api/srequest"
 	"github.com/tech/sendico/server/interface/api/sresponse"
 	mutil "github.com/tech/sendico/server/internal/mutil/param"
-	ast "github.com/tech/sendico/server/internal/mutil/proto"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 	"go.uber.org/zap"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials"
+	"google.golang.org/grpc/credentials/insecure"
+	"google.golang.org/protobuf/types/known/structpb"
 )

 func (a *WalletAPI) create(r *http.Request, account *model.Account, token *sresponse.TokenData) http.HandlerFunc {
@@ -52,47 +57,134 @@ func (a *WalletAPI) create(r *http.Request, account *model.Account, token *sresp
 		return response.Auto(a.logger, a.Name(), err)
 	}

-	if a.chainGateway == nil {
-		return response.Internal(a.logger, mservice.ChainGateway, merrors.Internal("chain gateway client is not configured"))
+	if a.discovery == nil {
+		return response.Internal(a.logger, mservice.ChainGateway, merrors.Internal("discovery client is not configured"))
+	}
+
+	// Find gateway for this network
+	lookupCtx, cancel := context.WithTimeout(ctx, discoveryLookupTimeout)
+	defer cancel()
+
+	lookupResp, err := a.discovery.Lookup(lookupCtx)
+	if err != nil {
+		a.logger.Warn("Failed to lookup discovery registry", zap.Error(err))
+		return response.Auto(a.logger, a.Name(), err)
+	}
+
+	// Find gateway that handles this network
+	networkName := strings.ToLower(string(asset.Asset.Chain))
+	gateway := findGatewayForNetwork(lookupResp.Gateways, networkName)
+	if gateway == nil {
+		a.logger.Warn("No gateway found for network",
+			zap.String("network", networkName),
+			zap.String("chain", string(sr.Asset.Chain)))
+		return response.Auto(a.logger, a.Name(), merrors.InvalidArgument("no gateway available for network: "+networkName))
 	}

 	var ownerRef string
 	if sr.OwnerRef != nil && !sr.OwnerRef.IsZero() {
 		ownerRef = sr.OwnerRef.Hex()
 	}
-	passet, err := ast.Asset2Proto(&asset.Asset)
-	if err != nil {
-		a.logger.Warn("Failed to convert asset to proto asset", zap.Error(err),
-			mzap.StorableRef(asset), mzap.StorableRef(account))
-		return response.Auto(a.logger, a.Name(), err)
+
+	// Build params for connector OpenAccount
+	params := map[string]interface{}{
+		"organization_ref": orgRef.Hex(),
+		"network":          networkName,
+		"token_symbol":     asset.Asset.TokenSymbol,
+		"contract_address": asset.Asset.ContractAddress,
+	}
+	if sr.Description.Description != nil {
+		params["description"] = *sr.Description.Description
+	}
+	params["metadata"] = map[string]interface{}{
+		"source": "create",
+		"login":  account.Login,
 	}

-	req := &chainv1.CreateManagedWalletRequest{
-		IdempotencyKey:  uuid.NewString(),
-		OrganizationRef: orgRef.Hex(),
-		OwnerRef:        ownerRef,
-		Describable: &describablev1.Describable{
-			Name:        sr.Description.Name,
-			Description: sr.Description.Description,
-		},
-		Asset: passet,
-		Metadata: map[string]string{
-			"source": "create",
-			"login":  account.Login,
-		},
+	paramsStruct, _ := structpb.NewStruct(params)
+	assetString := networkName + "-" + asset.Asset.TokenSymbol
+
+	req := &connectorv1.OpenAccountRequest{
+		IdempotencyKey: uuid.NewString(),
+		Kind:           connectorv1.AccountKind_CHAIN_MANAGED_WALLET,
+		Asset:          assetString,
+		OwnerRef:       ownerRef,
+		Label:          sr.Description.Name,
+		Params:         paramsStruct,
 	}

-	resp, err := a.chainGateway.CreateManagedWallet(ctx, req)
+	// Connect to gateway and create wallet
+	walletRef, err := a.createWalletOnGateway(ctx, *gateway, req)
 	if err != nil {
-		a.logger.Warn("Failed to create managed wallet", zap.Error(err), mzap.ObjRef("organization_ref", orgRef), mzap.StorableRef(account))
+		a.logger.Warn("Failed to create managed wallet", zap.Error(err),
+			mzap.ObjRef("organization_ref", orgRef), mzap.StorableRef(account),
+			zap.String("gateway_id", gateway.ID), zap.String("network", gateway.Network))
 		return response.Auto(a.logger, a.Name(), err)
 	}
-	if resp == nil || resp.Wallet == nil || strings.TrimSpace(resp.Wallet.WalletRef) == "" {
-		return response.Auto(a.logger, a.Name(), merrors.Internal("chain gateway returned empty wallet reference"))
-	}

 	a.logger.Info("Managed wallet created for organization", mzap.ObjRef("organization_ref", orgRef),
-		zap.String("wallet_ref", resp.Wallet.WalletRef), mzap.StorableRef(account))
+		zap.String("wallet_ref", walletRef), mzap.StorableRef(account),
+		zap.String("gateway_id", gateway.ID), zap.String("network", gateway.Network))

 	return sresponse.Success(a.logger, token)
 }
+
+func findGatewayForNetwork(gateways []discovery.GatewaySummary, network string) *discovery.GatewaySummary {
+	network = strings.ToLower(strings.TrimSpace(network))
+	for _, gw := range gateways {
+		if !strings.EqualFold(gw.Rail, cryptoRail) || !gw.Healthy || strings.TrimSpace(gw.InvokeURI) == "" {
+			continue
+		}
+		// Check if gateway network matches
+		gwNetwork := strings.ToLower(strings.TrimSpace(gw.Network))
+		if gwNetwork == network {
+			return &gw
+		}
+		// Also check if network starts with gateway network prefix (e.g., "tron" matches "tron_mainnet")
+		if strings.HasPrefix(network, gwNetwork) || strings.HasPrefix(gwNetwork, network) {
+			return &gw
+		}
+	}
+	return nil
+}
+
+func (a *WalletAPI) createWalletOnGateway(ctx context.Context, gateway discovery.GatewaySummary, req *connectorv1.OpenAccountRequest) (string, error) {
+	// Create connection with timeout
+	dialCtx, cancel := context.WithTimeout(ctx, a.dialTimeout)
+	defer cancel()
+
+	var dialOpts []grpc.DialOption
+	if a.insecure {
+		dialOpts = append(dialOpts, grpc.WithTransportCredentials(insecure.NewCredentials()))
+	} else {
+		dialOpts = append(dialOpts, grpc.WithTransportCredentials(credentials.NewTLS(&tls.Config{})))
+	}
+
+	conn, err := grpc.DialContext(dialCtx, gateway.InvokeURI, dialOpts...)
+	if err != nil {
+		return "", merrors.InternalWrap(err, "dial gateway")
+	}
+	defer conn.Close()
+
+	client := connectorv1.NewConnectorServiceClient(conn)
+
+	// Call with timeout
+	callCtx, callCancel := context.WithTimeout(ctx, a.callTimeout)
+	defer callCancel()
+
+	resp, err := client.OpenAccount(callCtx, req)
+	if err != nil {
+		return "", err
+	}
+
+	if resp.GetError() != nil {
+		return "", merrors.Internal(resp.GetError().GetMessage())
+	}
+
+	account := resp.GetAccount()
+	if account == nil || account.GetRef() == nil {
+		return "", merrors.Internal("gateway returned empty account")
+	}
+
+	return strings.TrimSpace(account.GetRef().GetAccountId()), nil
+}
--- a/api/server/internal/server/walletapiimp/list.go
+++ b/api/server/internal/server/walletapiimp/list.go
@@ -1,18 +1,27 @@
 package walletapiimp

 import (
+	"context"
+	"crypto/tls"
 	"net/http"
 	"strings"
+	"sync"

 	"github.com/tech/sendico/pkg/api/http/response"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
 	"github.com/tech/sendico/pkg/model"
 	"github.com/tech/sendico/pkg/mservice"
-	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
+	"github.com/tech/sendico/pkg/mutil/mzap"
+	connectorv1 "github.com/tech/sendico/pkg/proto/connector/v1"
 	"github.com/tech/sendico/server/interface/api/sresponse"
 	mutil "github.com/tech/sendico/server/internal/mutil/param"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 	"go.uber.org/zap"
+	"google.golang.org/grpc"
+	"google.golang.org/grpc/credentials"
+	"google.golang.org/grpc/credentials/insecure"
+	"google.golang.org/protobuf/types/known/wrapperspb"
 )

 func (a *WalletAPI) listWallets(r *http.Request, account *model.Account, token *sresponse.TokenData) http.HandlerFunc {
@@ -23,31 +32,126 @@ func (a *WalletAPI) listWallets(r *http.Request, account *model.Account, token *
 	}

 	ctx := r.Context()
-	res, err := a.enf.Enforce(ctx, a.walletsPermissionRef, account.ID, orgRef, primitive.NilObjectID, model.ActionRead)
+	hasReadPermission, err := a.enf.Enforce(ctx, a.walletsPermissionRef, account.ID, orgRef, primitive.NilObjectID, model.ActionRead)
 	if err != nil {
 		a.logger.Warn("Failed to check chain wallet access permissions", zap.Error(err), mutil.PLog(a.oph, r))
 		return response.Auto(a.logger, a.Name(), err)
 	}
-	if !res {
-		a.logger.Debug("Access denied when listing organization wallets", mutil.PLog(a.oph, r))
-		return response.AccessDenied(a.logger, a.Name(), "wallets read permission denied")
-	}
-	if a.chainGateway == nil {
-		return response.Internal(a.logger, mservice.ChainGateway, merrors.Internal("chain gateway client is not configured"))
+
+	if a.discovery == nil {
+		return response.Internal(a.logger, mservice.ChainGateway, merrors.Internal("discovery client is not configured"))
 	}

-	req := &chainv1.ListManagedWalletsRequest{
-		OrganizationRef: orgRef.Hex(),
-	}
-	if owner := strings.TrimSpace(r.URL.Query().Get("owner_ref")); owner != "" {
-		req.OwnerRef = owner
-	}
+	// Discover CRYPTO rail gateways
+	lookupCtx, cancel := context.WithTimeout(ctx, discoveryLookupTimeout)
+	defer cancel()

-	resp, err := a.chainGateway.ListManagedWallets(ctx, req)
+	lookupResp, err := a.discovery.Lookup(lookupCtx)
 	if err != nil {
-		a.logger.Warn("Failed to list managed wallets", zap.Error(err), zap.String("organization_ref", orgRef.Hex()))
-		return response.Auto(a.logger, mservice.ChainGateway, err)
+		a.logger.Warn("Failed to lookup discovery registry", zap.Error(err))
+		return response.Auto(a.logger, a.Name(), err)
 	}

-	return sresponse.Wallets(a.logger, resp, token)
+	// Filter gateways by CRYPTO rail
+	cryptoGateways := filterCryptoGateways(lookupResp.Gateways)
+	if len(cryptoGateways) == 0 {
+		a.logger.Debug("No CRYPTO rail gateways found in discovery")
+		return sresponse.Wallets(a.logger, nil, token)
+	}
+
+	// Build request
+	req := &connectorv1.ListAccountsRequest{
+		OrganizationRef: orgRef.Hex(),
+		Kind:            connectorv1.AccountKind_CHAIN_MANAGED_WALLET,
+	}
+
+	// If user has read permission, return all wallets in organization.
+	// Otherwise, filter to only wallets owned by the requesting account.
+	if !hasReadPermission {
+		req.OwnerRefFilter = wrapperspb.String(account.ID.Hex())
+		a.logger.Debug("Filtering wallets by owner due to limited permissions",
+			mzap.ObjRef("owner_ref", account.ID), mutil.PLog(a.oph, r))
+	}
+
+	// Query all gateways in parallel
+	allAccounts := a.queryAllGateways(ctx, cryptoGateways, req)
+
+	return sresponse.WalletsFromAccounts(a.logger, allAccounts, token)
+}
+
+func filterCryptoGateways(gateways []discovery.GatewaySummary) []discovery.GatewaySummary {
+	result := make([]discovery.GatewaySummary, 0)
+	for _, gw := range gateways {
+		if strings.EqualFold(gw.Rail, cryptoRail) && gw.Healthy && strings.TrimSpace(gw.InvokeURI) != "" {
+			result = append(result, gw)
+		}
+	}
+	return result
+}
+
+func (a *WalletAPI) queryAllGateways(ctx context.Context, gateways []discovery.GatewaySummary, req *connectorv1.ListAccountsRequest) []*connectorv1.Account {
+	var mu sync.Mutex
+	var wg sync.WaitGroup
+	allAccounts := make([]*connectorv1.Account, 0)
+
+	for _, gw := range gateways {
+		wg.Add(1)
+		go func(gateway discovery.GatewaySummary) {
+			defer wg.Done()
+
+			accounts, err := a.queryGateway(ctx, gateway, req)
+			if err != nil {
+				a.logger.Warn("Failed to query gateway",
+					zap.String("gateway_id", gateway.ID),
+					zap.String("invoke_uri", gateway.InvokeURI),
+					zap.String("network", gateway.Network),
+					zap.Error(err))
+				return
+			}
+
+			mu.Lock()
+			allAccounts = append(allAccounts, accounts...)
+			mu.Unlock()
+
+			a.logger.Debug("Queried gateway successfully",
+				zap.String("gateway_id", gateway.ID),
+				zap.String("network", gateway.Network),
+				zap.Int("accounts_count", len(accounts)))
+		}(gw)
+	}
+
+	wg.Wait()
+	return allAccounts
+}
+
+func (a *WalletAPI) queryGateway(ctx context.Context, gateway discovery.GatewaySummary, req *connectorv1.ListAccountsRequest) ([]*connectorv1.Account, error) {
+	// Create connection with timeout
+	dialCtx, cancel := context.WithTimeout(ctx, a.dialTimeout)
+	defer cancel()
+
+	var dialOpts []grpc.DialOption
+	if a.insecure {
+		dialOpts = append(dialOpts, grpc.WithTransportCredentials(insecure.NewCredentials()))
+	} else {
+		dialOpts = append(dialOpts, grpc.WithTransportCredentials(credentials.NewTLS(&tls.Config{})))
+	}
+
+	conn, err := grpc.DialContext(dialCtx, gateway.InvokeURI, dialOpts...)
+	if err != nil {
+		return nil, merrors.InternalWrap(err, "dial gateway")
+	}
+	defer conn.Close()
+
+	client := connectorv1.NewConnectorServiceClient(conn)
+
+	// Call with timeout
+	callCtx, callCancel := context.WithTimeout(ctx, a.callTimeout)
+	defer callCancel()
+
+	resp, err := client.ListAccounts(callCtx, req)
+	if err != nil {
+		return nil, err
+	}
+
+	return resp.GetAccounts(), nil
 }
--- a/api/server/internal/server/walletapiimp/service.go
+++ b/api/server/internal/server/walletapiimp/service.go
@@ -2,60 +2,63 @@ package walletapiimp

 import (
 	"context"
-	"fmt"
-	"os"
-	"strings"
 	"time"

-	chaingatewayclient "github.com/tech/sendico/gateway/chain/client"
 	api "github.com/tech/sendico/pkg/api/http"
 	"github.com/tech/sendico/pkg/auth"
 	"github.com/tech/sendico/pkg/db/chainassets"
+	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/merrors"
+	msg "github.com/tech/sendico/pkg/messaging"
 	"github.com/tech/sendico/pkg/mlogger"
 	"github.com/tech/sendico/pkg/mservice"
-	chainv1 "github.com/tech/sendico/pkg/proto/gateway/chain/v1"
 	eapi "github.com/tech/sendico/server/interface/api"
 	mutil "github.com/tech/sendico/server/internal/mutil/param"
 	"go.mongodb.org/mongo-driver/bson/primitive"
 	"go.uber.org/zap"
 )

+const (
+	cryptoRail             = "CRYPTO"
+	defaultDialTimeout     = 5 * time.Second
+	defaultCallTimeout     = 10 * time.Second
+	discoveryLookupTimeout = 3 * time.Second
+)
+
 type WalletAPI struct {
 	logger                mlogger.Logger
-	chainGateway          chainWalletClient
+	discovery             *discovery.Client
 	enf                   auth.Enforcer
 	oph                   mutil.ParamHelper
 	wph                   mutil.ParamHelper
 	walletsPermissionRef  primitive.ObjectID
 	balancesPermissionRef primitive.ObjectID
 	assets                chainassets.DB
-}

-type chainWalletClient interface {
-	CreateManagedWallet(ctx context.Context, req *chainv1.CreateManagedWalletRequest) (*chainv1.CreateManagedWalletResponse, error)
-	ListManagedWallets(ctx context.Context, req *chainv1.ListManagedWalletsRequest) (*chainv1.ListManagedWalletsResponse, error)
-	GetWalletBalance(ctx context.Context, req *chainv1.GetWalletBalanceRequest) (*chainv1.GetWalletBalanceResponse, error)
-	Close() error
+	// Gateway connection settings
+	dialTimeout time.Duration
+	callTimeout time.Duration
+	insecure    bool
 }

 func (a *WalletAPI) Name() mservice.Type { return mservice.ChainWallets }

 func (a *WalletAPI) Finish(ctx context.Context) error {
-	if a.chainGateway != nil {
-		if err := a.chainGateway.Close(); err != nil {
-			a.logger.Warn("Failed to close chain gateway client", zap.Error(err))
-		}
+	if a.discovery != nil {
+		a.discovery.Close()
 	}
 	return nil
 }

 func CreateAPI(apiCtx eapi.API) (*WalletAPI, error) {
 	p := &WalletAPI{
-		logger: apiCtx.Logger().Named(mservice.Wallets),
-		enf:    apiCtx.Permissions().Enforcer(),
-		oph:    mutil.CreatePH(mservice.Organizations),
-		wph:    mutil.CreatePH(mservice.Wallets),
+		logger:      apiCtx.Logger().Named(mservice.Wallets),
+		enf:         apiCtx.Permissions().Enforcer(),
+		oph:         mutil.CreatePH(mservice.Organizations),
+		wph:         mutil.CreatePH(mservice.Wallets),
+		dialTimeout: defaultDialTimeout,
+		callTimeout: defaultCallTimeout,
+		insecure:    true,
 	}

 	var err error
@@ -83,9 +86,22 @@ func CreateAPI(apiCtx eapi.API) (*WalletAPI, error) {
 		p.logger.Error("Failed to fetch service configuration")
 		return nil, merrors.InvalidArgument("No configuration provided")
 	}
-	if err := p.initChainGateway(cfg.ChainGateway); err != nil {
-		p.logger.Error("Failed to initialize chain gateway client", zap.Error(err))
-		return nil, err
+
+	// Apply gateway connection settings from config
+	if gatewayCfg := cfg.ChainGateway; gatewayCfg != nil {
+		if gatewayCfg.DialTimeoutSeconds > 0 {
+			p.dialTimeout = time.Duration(gatewayCfg.DialTimeoutSeconds) * time.Second
+		}
+		if gatewayCfg.CallTimeoutSeconds > 0 {
+			p.callTimeout = time.Duration(gatewayCfg.CallTimeoutSeconds) * time.Second
+		}
+		p.insecure = gatewayCfg.Insecure
+	}
+
+	// Initialize discovery client
+	if err := p.initDiscoveryClient(cfg); err != nil {
+		p.logger.Warn("Failed to initialize discovery client", zap.Error(err))
+		// Not fatal - we can still work without discovery
 	}

 	apiCtx.Register().AccountHandler(p.Name(), p.oph.AddRef("/"), api.Get, p.listWallets)
@@ -95,31 +111,22 @@ func CreateAPI(apiCtx eapi.API) (*WalletAPI, error) {
 	return p, nil
 }

-func (a *WalletAPI) initChainGateway(cfg *eapi.ChainGatewayConfig) error {
-	if cfg == nil {
-		return merrors.InvalidArgument("chain gateway configuration is not provided")
+func (a *WalletAPI) initDiscoveryClient(cfg *eapi.Config) error {
+	if cfg == nil || cfg.Mw == nil {
+		return nil
 	}
-
-	cfg.Address = strings.TrimSpace(cfg.Address)
-	if cfg.Address == "" {
-		cfg.Address = strings.TrimSpace(os.Getenv(cfg.AddressEnv))
+	msgCfg := cfg.Mw.Messaging
+	if msgCfg.Driver == "" {
+		return nil
 	}
-	if cfg.Address == "" {
-		return merrors.InvalidArgument(fmt.Sprintf("chain gateway address is not specified and address env %s is empty", cfg.AddressEnv))
-	}
-
-	clientCfg := chaingatewayclient.Config{
-		Address:     cfg.Address,
-		DialTimeout: time.Duration(cfg.DialTimeoutSeconds) * time.Second,
-		CallTimeout: time.Duration(cfg.CallTimeoutSeconds) * time.Second,
-		Insecure:    cfg.Insecure,
-	}
-
-	client, err := chaingatewayclient.New(context.Background(), clientCfg)
+	broker, err := msg.CreateMessagingBroker(a.logger.Named("discovery_bus"), &msgCfg)
 	if err != nil {
 		return err
 	}
-
-	a.chainGateway = client
+	client, err := discovery.NewClient(a.logger, broker, nil, string(a.Name()))
+	if err != nil {
+		return err
+	}
+	a.discovery = client
 	return nil
 }