.gitignore

@@ -14,7 +14,9 @@ test.sh
 .gocache/
 .golangci-cache/
 .cache/
+
 .claude/
+.codex/
 
 # Air hot reload build artifacts
 **/tmp/

api/payments/orchestrator/config.dev.yml

@@ -44,4 +44,17 @@ card_gateways:
     funding_address: "TUaWaCkiXwYPKm5qjcB27Lhwv976vPvedE"
     fee_wallet_ref: "697a062a248dc785125ccb9e"
 
+# Batch optimizer settings:
+# - default_mode disables aggregation for unmatched traffic
+# - crypto rule enables destination aggregation for crypto rail
+optimizer:
+  aggregation:
+    default_mode: "no_optimization"
+    rules:
+      - id: "crypto_by_destination"
+        priority: 100
+        mode: "merge_by_destination"
+        match:
+          rail: "CRYPTO"
+
 # Gateway instances and capabilities are sourced from service discovery.

api/payments/orchestrator/config.yml

@@ -44,4 +44,17 @@ card_gateways:
     funding_address: "TGBDXEg9rxSqGFJDcb889zqTjDwx1bmLRF"
     fee_wallet_ref: "694c124ed76f9f811ac57133"
 
+# Batch optimizer settings:
+# - default_mode disables aggregation for unmatched traffic
+# - crypto rule enables destination aggregation for crypto rail
+optimizer:
+  aggregation:
+    default_mode: "no_optimization"
+    rules:
+      - id: "crypto_by_destination"
+        priority: 100
+        mode: "merge_by_destination"
+        match:
+          rail: "CRYPTO"
+
 # Gateway instances and capabilities are sourced from service discovery.

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

@@ -3,7 +3,9 @@ package serverimp
 import (
 	"strings"
 
+	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/psvc"
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrator"
+	"github.com/tech/sendico/payments/storage/model"
 	"github.com/tech/sendico/pkg/discovery"
 	"github.com/tech/sendico/pkg/mlogger"
 )
@@ -42,3 +44,52 @@ func buildGatewayRegistry(logger mlogger.Logger, src []gatewayInstanceConfig, re
 	}
 	return orchestrator.NewDiscoveryGatewayRegistry(logger, registry)
 }
+
+func buildBatchOptimizationPolicy(cfg optimizerConfig) psvc.BatchOptimizationPolicy {
+	rules := make([]psvc.BatchOptimizationRule, 0, len(cfg.Aggregation.Rules))
+	for i := range cfg.Aggregation.Rules {
+		ruleCfg := cfg.Aggregation.Rules[i]
+		rule := psvc.BatchOptimizationRule{
+			ID:       strings.TrimSpace(ruleCfg.ID),
+			Enabled:  ruleCfg.Enabled,
+			Priority: ruleCfg.Priority,
+			Mode:     psvc.BatchOptimizationMode(strings.TrimSpace(ruleCfg.Mode)),
+			Match: psvc.BatchOptimizationMatch{
+				Rail:       model.ParseRail(ruleCfg.Match.Rail),
+				Providers:  cloneTrimmedSlice(ruleCfg.Match.Providers),
+				Networks:   cloneTrimmedSlice(ruleCfg.Match.Networks),
+				Currencies: cloneTrimmedSlice(ruleCfg.Match.Currencies),
+			},
+		}
+		if ruleCfg.Match.Amount != nil {
+			rule.Match.Amount = &psvc.BatchOptimizationAmountRange{
+				Min:      strings.TrimSpace(ruleCfg.Match.Amount.Min),
+				Max:      strings.TrimSpace(ruleCfg.Match.Amount.Max),
+				Currency: strings.TrimSpace(ruleCfg.Match.Amount.Currency),
+			}
+		}
+		rules = append(rules, rule)
+	}
+	return psvc.BatchOptimizationPolicy{
+		DefaultMode: psvc.BatchOptimizationMode(strings.TrimSpace(cfg.Aggregation.DefaultMode)),
+		Rules:       rules,
+	}
+}
+
+func cloneTrimmedSlice(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	out := make([]string, 0, len(values))
+	for i := range values {
+		token := strings.TrimSpace(values[i])
+		if token == "" {
+			continue
+		}
+		out = append(out, token)
+	}
+	if len(out) == 0 {
+		return nil
+	}
+	return out
+}

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

@@ -15,9 +15,41 @@ type config struct {
 	*grpcapp.Config   `yaml:",inline"`
 	CardGateways      map[string]cardGatewayRouteConfig `yaml:"card_gateways"`
 	GatewayInstances  []gatewayInstanceConfig           `yaml:"gateway_instances"`
+	Optimizer         optimizerConfig                   `yaml:"optimizer"`
 	QuoteRetentionHrs int                               `yaml:"quote_retention_hours"`
 }
 
+type optimizerConfig struct {
+	Aggregation aggregationConfig `yaml:"aggregation"`
+}
+
+type aggregationConfig struct {
+	DefaultMode string                  `yaml:"default_mode"`
+	Rules       []aggregationRuleConfig `yaml:"rules"`
+}
+
+type aggregationRuleConfig struct {
+	ID       string                 `yaml:"id"`
+	Enabled  *bool                  `yaml:"enabled"`
+	Priority int                    `yaml:"priority"`
+	Mode     string                 `yaml:"mode"`
+	Match    aggregationMatchConfig `yaml:"match"`
+}
+
+type aggregationMatchConfig struct {
+	Rail       string                   `yaml:"rail"`
+	Providers  []string                 `yaml:"providers"`
+	Networks   []string                 `yaml:"networks"`
+	Currencies []string                 `yaml:"currencies"`
+	Amount     *aggregationAmountConfig `yaml:"amount"`
+}
+
+type aggregationAmountConfig struct {
+	Min      string `yaml:"min"`
+	Max      string `yaml:"max"`
+	Currency string `yaml:"currency"`
+}
+
 type cardGatewayRouteConfig struct {
 	FundingAddress string `yaml:"funding_address"`
 	FeeAddress     string `yaml:"fee_address"`

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

@@ -40,6 +40,7 @@ func (i *Imp) buildServiceOptions(cfg *config, deps *orchestratorDeps) []orchest
 	if routes := buildCardGatewayRoutes(cfg.CardGateways); len(routes) > 0 {
 		opts = append(opts, orchestrator.WithCardGatewayRoutes(routes))
 	}
+	opts = append(opts, orchestrator.WithBatchOptimizationPolicy(buildBatchOptimizationPolicy(cfg.Optimizer)))
 	if registry := buildGatewayRegistry(i.logger, cfg.GatewayInstances, i.discoveryReg); registry != nil {
 		opts = append(opts, orchestrator.WithGatewayRegistry(registry))
 	}

api/payments/orchestrator/internal/service/orchestrationv2/opagg/module.go

@@ -16,11 +16,22 @@ type Input struct {
 	Items []Item
 }
 
+// MergeMode controls whether an item can be compacted with compatible peers.
+type MergeMode string
+
+const (
+	MergeModeUnspecified MergeMode = ""
+	MergeModeByRecipient MergeMode = "merge_by_recipient"
+	MergeModeNever       MergeMode = "never_merge"
+)
+
 // Item is one quote-intent pair candidate for aggregation.
 type Item struct {
 	IntentRef      string
 	IntentSnapshot model.PaymentIntent
 	QuoteSnapshot  *model.PaymentQuoteSnapshot
+	MergeMode      MergeMode
+	PolicyTag      string
 }
 
 // Group is one aggregated recipient operation group.

api/payments/orchestrator/internal/service/orchestrationv2/opagg/service.go

@@ -64,6 +64,12 @@ func (s *svc) Aggregate(in Input) (out *Output, err error) {
 		if !isBatchingEligible(item.QuoteSnapshot) {
 			key = key + keySep + "non_batching=" + itoa(i)
 		}
+		if normalizeMergeMode(item.MergeMode) == MergeModeNever {
+			key = key + keySep + "merge_mode=never:" + itoa(i)
+		}
+		if policyTag := strings.TrimSpace(item.PolicyTag); policyTag != "" {
+			key = key + keySep + "policy_tag=" + policyTag
+		}
 
 		intentRef := firstNonEmpty(
 			strings.TrimSpace(item.IntentRef),
@@ -190,3 +196,12 @@ func isBatchingEligible(quote *model.PaymentQuoteSnapshot) bool {
 	}
 	return quote.ExecutionConditions.BatchingEligible
 }
+
+func normalizeMergeMode(mode MergeMode) MergeMode {
+	switch strings.ToLower(strings.TrimSpace(string(mode))) {
+	case strings.ToLower(string(MergeModeNever)):
+		return MergeModeNever
+	default:
+		return MergeModeByRecipient
+	}
+}

api/payments/orchestrator/internal/service/orchestrationv2/psvc/batch_optimizer.go

@@ -0,0 +1,184 @@
+package psvc
+
+import (
+	"strconv"
+	"strings"
+
+	"github.com/tech/sendico/pkg/discovery"
+
+	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/opagg"
+	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/qsnap"
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/merrors"
+	"github.com/tech/sendico/pkg/mlogger"
+	paymenttypes "github.com/tech/sendico/pkg/payments/types"
+	"go.uber.org/zap"
+)
+
+// BatchOptimizeInput is optimizer payload for one ExecuteBatchPayment call.
+type BatchOptimizeInput struct {
+	Items []qsnap.ResolvedItem
+}
+
+// BatchOptimizeOutput is optimizer result payload.
+type BatchOptimizeOutput struct {
+	Groups []opagg.Group
+}
+
+// BatchOptimizer encapsulates batch item compaction policy and aggregation.
+type BatchOptimizer interface {
+	Optimize(in BatchOptimizeInput) (*BatchOptimizeOutput, error)
+}
+
+// PolicyBatchOptimizerDependencies configures policy-based optimizer implementation.
+type PolicyBatchOptimizerDependencies struct {
+	Logger     mlogger.Logger
+	Aggregator opagg.Aggregator
+	Policy     BatchOptimizationPolicy
+}
+
+type policyBatchOptimizer struct {
+	logger     mlogger.Logger
+	aggregator opagg.Aggregator
+	policy     BatchOptimizationPolicy
+}
+
+// NewPolicyBatchOptimizer creates default rule-based optimizer implementation.
+func NewPolicyBatchOptimizer(deps PolicyBatchOptimizerDependencies) BatchOptimizer {
+	logger := deps.Logger
+	if logger == nil {
+		logger = zap.NewNop()
+	}
+	aggregator := deps.Aggregator
+	if aggregator == nil {
+		aggregator = opagg.New(opagg.Dependencies{Logger: logger})
+	}
+	return &policyBatchOptimizer{
+		logger:     logger.Named("batch_optimizer"),
+		aggregator: aggregator,
+		policy:     normalizeBatchOptimizationPolicy(deps.Policy),
+	}
+}
+
+func (o *policyBatchOptimizer) Optimize(in BatchOptimizeInput) (*BatchOptimizeOutput, error) {
+	if len(in.Items) == 0 {
+		return nil, merrors.InvalidArgument("items are required")
+	}
+
+	aggItems := make([]opagg.Item, 0, len(in.Items))
+	for i := range in.Items {
+		item := in.Items[i]
+		selection := o.policy.Select(batchOptimizationContextFromItem(item))
+		intentSnapshot := applyBatchOptimizationSelection(item.IntentSnapshot, selection)
+		aggItems = append(aggItems, opagg.Item{
+			IntentRef:      item.IntentRef,
+			IntentSnapshot: intentSnapshot,
+			QuoteSnapshot:  item.QuoteSnapshot,
+			MergeMode:      mergeModeFromBatchOptimization(selection.Mode),
+			PolicyTag:      batchOptimizationSelectionTag(selection),
+		})
+	}
+
+	aggOutput, err := o.aggregator.Aggregate(opagg.Input{Items: aggItems})
+	if err != nil {
+		return nil, err
+	}
+	if aggOutput == nil || len(aggOutput.Groups) == 0 {
+		return nil, merrors.InvalidArgument("aggregation produced no groups")
+	}
+	return &BatchOptimizeOutput{Groups: aggOutput.Groups}, nil
+}
+
+func batchOptimizationContextFromItem(item qsnap.ResolvedItem) BatchOptimizationContext {
+	rail, provider, network := destinationHopSignature(item.QuoteSnapshot)
+	money := selectSettlementMoney(item)
+	ctx := BatchOptimizationContext{
+		Rail:     rail,
+		Provider: provider,
+		Network:  network,
+	}
+	if money != nil {
+		ctx.Amount = strings.TrimSpace(money.Amount)
+		ctx.Currency = strings.TrimSpace(money.Currency)
+	}
+	return ctx
+}
+
+func selectSettlementMoney(item qsnap.ResolvedItem) *paymenttypes.Money {
+	if item.QuoteSnapshot != nil && item.QuoteSnapshot.ExpectedSettlementAmount != nil {
+		return item.QuoteSnapshot.ExpectedSettlementAmount
+	}
+	return item.IntentSnapshot.Amount
+}
+
+func destinationHopSignature(snapshot *model.PaymentQuoteSnapshot) (model.Rail, string, string) {
+	if snapshot == nil || snapshot.Route == nil {
+		return discovery.RailUnspecified, "", ""
+	}
+	route := snapshot.Route
+	rail := model.ParseRail(route.Rail)
+	provider := strings.TrimSpace(route.Provider)
+	network := strings.TrimSpace(route.Network)
+
+	var destinationHop *paymenttypes.QuoteRouteHop
+	for i := range route.Hops {
+		hop := route.Hops[i]
+		if hop == nil {
+			continue
+		}
+		destinationHop = hop
+		if hop.Role == paymenttypes.QuoteRouteHopRoleDestination {
+			break
+		}
+	}
+	if destinationHop != nil {
+		if parsed := model.ParseRail(destinationHop.Rail); parsed != discovery.RailUnspecified {
+			rail = parsed
+		}
+		if provider == "" {
+			provider = strings.TrimSpace(destinationHop.Gateway)
+		}
+		if network == "" {
+			network = strings.TrimSpace(destinationHop.Network)
+		}
+	}
+	return rail, provider, network
+}
+
+func mergeModeFromBatchOptimization(mode BatchOptimizationMode) opagg.MergeMode {
+	switch normalizeBatchOptimizationMode(mode) {
+	case BatchOptimizationModeMergeByDestination:
+		return opagg.MergeModeByRecipient
+	default:
+		return opagg.MergeModeNever
+	}
+}
+
+func batchOptimizationSelectionTag(sel BatchOptimizationSelection) string {
+	mode := normalizeBatchOptimizationMode(sel.Mode)
+	matched := strconv.FormatBool(sel.Matched)
+	ruleID := strings.TrimSpace(sel.RuleID)
+	if ruleID == "" {
+		ruleID = "default"
+	}
+	return string(mode) + "|" + matched + "|" + ruleID
+}
+
+func applyBatchOptimizationSelection(intent model.PaymentIntent, sel BatchOptimizationSelection) model.PaymentIntent {
+	if intent.Attributes == nil {
+		intent.Attributes = map[string]string{}
+	}
+	mode := normalizeBatchOptimizationMode(sel.Mode)
+	if mode == BatchOptimizationModeUnspecified {
+		mode = BatchOptimizationModeNoOptimization
+	}
+	intent.Attributes[attrBatchOptimizerMode] = string(mode)
+	intent.Attributes[attrBatchOptimizerRuleMatch] = strconv.FormatBool(sel.Matched)
+	ruleID := strings.TrimSpace(sel.RuleID)
+	if ruleID == "" {
+		delete(intent.Attributes, attrBatchOptimizerRuleID)
+	} else {
+		intent.Attributes[attrBatchOptimizerRuleID] = ruleID
+	}
+	return intent
+}

api/payments/orchestrator/internal/service/orchestrationv2/psvc/execute_batch.go

@@ -28,8 +28,11 @@ import (
 )
 
 const (
-	attrAggregatedByRecipient = "orchestrator.v2.aggregated_by_recipient"
+	attrAggregatedByRecipient   = "orchestrator.v2.aggregated_by_recipient"
-	attrAggregatedItems       = "orchestrator.v2.aggregated_items"
+	attrAggregatedItems         = "orchestrator.v2.aggregated_items"
+	attrBatchOptimizerMode      = "orchestrator.v2.batch_optimizer_mode"
+	attrBatchOptimizerRuleID    = "orchestrator.v2.batch_optimizer_rule_id"
+	attrBatchOptimizerRuleMatch = "orchestrator.v2.batch_optimizer_rule_matched"
 )
 
 func (s *svc) ExecuteBatchPayment(ctx context.Context, req *orchestrationv2.ExecuteBatchPaymentRequest) (resp *orchestrationv2.ExecuteBatchPaymentResponse, err error) {
@@ -71,31 +74,27 @@ func (s *svc) ExecuteBatchPayment(ctx context.Context, req *orchestrationv2.Exec
 		return nil, merrors.InvalidArgument("quotation has no executable items")
 	}
 
-	aggItems := make([]opagg.Item, 0, len(resolved.Items))
+	optimized, err := s.batchOptimizer.Optimize(BatchOptimizeInput{Items: resolved.Items})
-	for _, item := range resolved.Items {
-		aggItems = append(aggItems, opagg.Item{
-			IntentRef:      item.IntentRef,
-			IntentSnapshot: item.IntentSnapshot,
-			QuoteSnapshot:  item.QuoteSnapshot,
-		})
-	}
-	aggOutput, err := s.aggregator.Aggregate(opagg.Input{Items: aggItems})
 	if err != nil {
 		return nil, err
 	}
-	group, err := s.buildBatchOperationGroup(aggOutput.Groups)
+	groups, err := s.buildBatchOperationGroups(optimized.Groups)
 	if err != nil {
 		return nil, err
 	}
-	payment, err := s.executeGroup(ctx, requestCtx, resolved.QuotationRef, group)
+	payments := make([]*orchestrationv2.Payment, 0, len(groups))
-	if err != nil {
+	for i := range groups {
-		return nil, err
+		payment, groupErr := s.executeGroup(ctx, requestCtx, resolved.QuotationRef, groups[i])
+		if groupErr != nil {
+			return nil, groupErr
+		}
+		protoPayment, mapErr := s.mapPayment(payment)
+		if mapErr != nil {
+			return nil, mapErr
+		}
+		payments = append(payments, protoPayment)
 	}
-	protoPayment, err := s.mapPayment(payment)
+	return &orchestrationv2.ExecuteBatchPaymentResponse{Payments: payments}, nil
-	if err != nil {
-		return nil, err
-	}
-	return &orchestrationv2.ExecuteBatchPaymentResponse{Payments: []*orchestrationv2.Payment{protoPayment}}, nil
 }
 
 func (s *svc) prepareBatchExecute(req *orchestrationv2.ExecuteBatchPaymentRequest) (*reqval.Ctx, error) {
@@ -270,56 +269,44 @@ func normalizeIntentRefs(values []string) []string {
 	return out
 }
 
-func (s *svc) buildBatchOperationGroup(groups []opagg.Group) (opagg.Group, error) {
+func (s *svc) buildBatchOperationGroups(groups []opagg.Group) ([]opagg.Group, error) {
 	if len(groups) == 0 {
-		return opagg.Group{}, merrors.InvalidArgument("aggregation produced no groups")
+		return nil, merrors.InvalidArgument("aggregation produced no groups")
 	}
 
-	anchorDestination := groups[0].IntentSnapshot.Destination
+	out := make([]opagg.Group, 0, len(groups))
-	synthetic := make([]opagg.Item, 0, len(groups))
-	allIntentRefs := make([]string, 0, len(groups))
 	for i := range groups {
 		group := groups[i]
-		intent := group.IntentSnapshot
+		group.IntentRefs = normalizeIntentRefs(group.IntentRefs)
-		intent.Destination = anchorDestination
+		if len(group.IntentRefs) == 0 {
-		synthetic = append(synthetic, opagg.Item{
+			return nil, merrors.InvalidArgument("aggregated group has no intent refs")
-			IntentRef:      strings.Join(normalizeIntentRefs(group.IntentRefs), ","),
-			IntentSnapshot: intent,
-			QuoteSnapshot:  group.QuoteSnapshot,
-		})
-		allIntentRefs = append(allIntentRefs, group.IntentRefs...)
-	}
-
-	collapsed, err := s.aggregator.Aggregate(opagg.Input{Items: synthetic})
-	if err != nil {
-		return opagg.Group{}, err
-	}
-	if collapsed == nil || len(collapsed.Groups) != 1 {
-		return opagg.Group{}, merrors.InvalidArgument("batch quotation contains incompatible operation groups")
-	}
-
-	out := collapsed.Groups[0]
-	out.IntentRefs = normalizeIntentRefs(allIntentRefs)
-	if len(out.IntentRefs) == 0 {
-		return opagg.Group{}, merrors.InvalidArgument("aggregated group has no intent refs")
-	}
-	if out.IntentSnapshot.Attributes == nil {
-		out.IntentSnapshot.Attributes = map[string]string{}
-	}
-	if len(groups) > 1 {
-		out.IntentSnapshot.Attributes[attrAggregatedByRecipient] = "true"
-	}
-	out.IntentSnapshot.Attributes[attrAggregatedItems] = strconv.Itoa(len(out.IntentRefs))
-
-	targets := buildBatchPayoutTargets(groups)
-	if routeContainsCardPayout(out.QuoteSnapshot) && len(targets) > 0 {
-		raw, err := batchmeta.EncodePayoutTargets(targets)
-		if err != nil {
-			return opagg.Group{}, err
 		}
-		if strings.TrimSpace(raw) != "" {
+		if group.IntentSnapshot.Attributes == nil {
-			out.IntentSnapshot.Attributes[batchmeta.AttrPayoutTargets] = raw
+			group.IntentSnapshot.Attributes = map[string]string{}
 		}
+		if len(group.IntentRefs) > 1 {
+			group.IntentSnapshot.Attributes[attrAggregatedByRecipient] = "true"
+		} else {
+			delete(group.IntentSnapshot.Attributes, attrAggregatedByRecipient)
+		}
+		group.IntentSnapshot.Attributes[attrAggregatedItems] = strconv.Itoa(len(group.IntentRefs))
+
+		targets := buildBatchPayoutTargets([]opagg.Group{group})
+		if routeContainsCardPayout(group.QuoteSnapshot) && len(targets) > 0 {
+			raw, err := batchmeta.EncodePayoutTargets(targets)
+			if err != nil {
+				return nil, err
+			}
+			if strings.TrimSpace(raw) != "" {
+				group.IntentSnapshot.Attributes[batchmeta.AttrPayoutTargets] = raw
+			}
+		} else {
+			delete(group.IntentSnapshot.Attributes, batchmeta.AttrPayoutTargets)
+		}
+		out = append(out, group)
+	}
+	if len(out) == 0 {
+		return nil, merrors.InvalidArgument("aggregation produced no groups")
 	}
 	return out, nil
 }

api/payments/orchestrator/internal/service/orchestrationv2/psvc/execute_batch_test.go

@@ -10,13 +10,14 @@ import (
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/batchmeta"
 	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/sexec"
 	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/discovery"
 	pm "github.com/tech/sendico/pkg/model"
 	paymenttypes "github.com/tech/sendico/pkg/payments/types"
 	orchestrationv2 "github.com/tech/sendico/pkg/proto/payments/orchestration/v2"
 	"go.mongodb.org/mongo-driver/v2/bson"
 )
 
-func TestExecuteBatchPayment_SameDestinationMerges(t *testing.T) {
+func TestExecuteBatchPayment_DefaultNoOptimization_DoesNotMergeSameDestination(t *testing.T) {
 	env := newTestEnv(t, func(_ string, req sexec.StepRequest) (*sexec.ExecuteOutput, error) {
 		step := req.StepExecution
 		step.State = agg.StepStateCompleted
@@ -37,15 +38,17 @@ func TestExecuteBatchPayment_SameDestinationMerges(t *testing.T) {
 	if resp == nil {
 		t.Fatal("expected response")
 	}
-	if got, want := len(resp.GetPayments()), 1; got != want {
+	if got, want := len(resp.GetPayments()), 2; got != want {
-		t.Fatalf("expected %d payment(s) for same-destination merge, got=%d", want, got)
+		t.Fatalf("expected %d payment(s) with default no optimization, got=%d", want, got)
 	}
-	if got, want := resp.GetPayments()[0].GetState(), orchestrationv2.OrchestrationState_ORCHESTRATION_STATE_SETTLED; got != want {
+	for i, p := range resp.GetPayments() {
-		t.Fatalf("state mismatch: got=%s want=%s", got, want)
+		if got, want := p.GetState(), orchestrationv2.OrchestrationState_ORCHESTRATION_STATE_SETTLED; got != want {
+			t.Fatalf("payments[%d] state mismatch: got=%s want=%s", i, got, want)
+		}
 	}
 }
 
-func TestExecuteBatchPayment_DifferentDestinationsCompactsIntoSinglePayment(t *testing.T) {
+func TestExecuteBatchPayment_DefaultNoOptimization_DoesNotMergeDifferentDestinations(t *testing.T) {
 	env := newTestEnv(t, func(_ string, req sexec.StepRequest) (*sexec.ExecuteOutput, error) {
 		step := req.StepExecution
 		step.State = agg.StepStateCompleted
@@ -63,8 +66,8 @@ func TestExecuteBatchPayment_DifferentDestinationsCompactsIntoSinglePayment(t *t
 	if err != nil {
 		t.Fatalf("ExecuteBatchPayment returned error: %v", err)
 	}
-	if got, want := len(resp.GetPayments()), 1; got != want {
+	if got, want := len(resp.GetPayments()), 2; got != want {
-		t.Fatalf("expected %d payment for batched execution, got=%d", want, got)
+		t.Fatalf("expected %d payments for batched execution without optimization, got=%d", want, got)
 	}
 	for i, p := range resp.GetPayments() {
 		if got, want := p.GetState(), orchestrationv2.OrchestrationState_ORCHESTRATION_STATE_SETTLED; got != want {
@@ -73,7 +76,7 @@ func TestExecuteBatchPayment_DifferentDestinationsCompactsIntoSinglePayment(t *t
 	}
 }
 
-func TestExecuteBatchPayment_CardBatchCreatesPerTargetPayoutStepsInSinglePayment(t *testing.T) {
+func TestExecuteBatchPayment_CardBatchCreatesPerTargetPayoutStepsWithoutMerging(t *testing.T) {
 	var (
 		targetRefs []string
 		amounts    []string
@@ -99,11 +102,13 @@ func TestExecuteBatchPayment_CardBatchCreatesPerTargetPayoutStepsInSinglePayment
 	if err != nil {
 		t.Fatalf("ExecuteBatchPayment returned error: %v", err)
 	}
-	if got, want := len(resp.GetPayments()), 1; got != want {
+	if got, want := len(resp.GetPayments()), 2; got != want {
-		t.Fatalf("expected %d payment for card batch, got=%d", want, got)
+		t.Fatalf("expected %d payments for card batch without optimization, got=%d", want, got)
 	}
-	if got, want := resp.GetPayments()[0].GetState(), orchestrationv2.OrchestrationState_ORCHESTRATION_STATE_SETTLED; got != want {
+	for i, payment := range resp.GetPayments() {
-		t.Fatalf("state mismatch: got=%s want=%s", got, want)
+		if got, want := payment.GetState(), orchestrationv2.OrchestrationState_ORCHESTRATION_STATE_SETTLED; got != want {
+			t.Fatalf("payments[%d] state mismatch: got=%s want=%s", i, got, want)
+		}
 	}
 	if got, want := len(targetRefs), 2; got != want {
 		t.Fatalf("expected %d card payout send calls, got=%d", want, got)
@@ -122,6 +127,41 @@ func TestExecuteBatchPayment_CardBatchCreatesPerTargetPayoutStepsInSinglePayment
 	}
 }
 
+func TestExecuteBatchPayment_CryptoPolicyMergesByDestination(t *testing.T) {
+	env := newTestEnvWithPolicy(t, BatchOptimizationPolicy{
+		DefaultMode: BatchOptimizationModeNoOptimization,
+		Rules: []BatchOptimizationRule{
+			{
+				ID:       "crypto-merge",
+				Priority: 100,
+				Mode:     BatchOptimizationModeMergeByDestination,
+				Match: BatchOptimizationMatch{
+					Rail: discovery.RailCrypto,
+				},
+			},
+		},
+	}, func(_ string, req sexec.StepRequest) (*sexec.ExecuteOutput, error) {
+		step := req.StepExecution
+		step.State = agg.StepStateCompleted
+		return &sexec.ExecuteOutput{StepExecution: step}, nil
+	})
+
+	quote := newExecutableBatchCryptoQuoteSameDestination(env.orgID, "quote-batch-crypto-merge")
+	env.quotes.Put(quote)
+
+	resp, err := env.svc.ExecuteBatchPayment(context.Background(), &orchestrationv2.ExecuteBatchPaymentRequest{
+		Meta:             testMeta(env.orgID, "idem-batch-crypto-merge"),
+		QuotationRef:     "quote-batch-crypto-merge",
+		ClientPaymentRef: "client-batch-crypto-merge",
+	})
+	if err != nil {
+		t.Fatalf("ExecuteBatchPayment returned error: %v", err)
+	}
+	if got, want := len(resp.GetPayments()), 1; got != want {
+		t.Fatalf("expected %d merged payment for crypto policy, got=%d", want, got)
+	}
+}
+
 func TestExecuteBatchPayment_IdempotentRetry(t *testing.T) {
 	env := newTestEnv(t, func(_ string, req sexec.StepRequest) (*sexec.ExecuteOutput, error) {
 		step := req.StepExecution
@@ -150,8 +190,23 @@ func TestExecuteBatchPayment_IdempotentRetry(t *testing.T) {
 	if got, want := len(resp2.GetPayments()), len(resp1.GetPayments()); got != want {
 		t.Fatalf("expected same number of payments on retry: got=%d want=%d", got, want)
 	}
-	if got, want := resp2.GetPayments()[0].GetPaymentRef(), resp1.GetPayments()[0].GetPaymentRef(); got != want {
+	refs1 := make([]string, 0, len(resp1.GetPayments()))
-		t.Fatalf("expected same payment_ref on retry: got=%q want=%q", got, want)
+	refs2 := make([]string, 0, len(resp2.GetPayments()))
+	for i := range resp1.GetPayments() {
+		refs1 = append(refs1, resp1.GetPayments()[i].GetPaymentRef())
+	}
+	for i := range resp2.GetPayments() {
+		refs2 = append(refs2, resp2.GetPayments()[i].GetPaymentRef())
+	}
+	sort.Strings(refs1)
+	sort.Strings(refs2)
+	if len(refs1) != len(refs2) {
+		t.Fatalf("payment refs count mismatch: got=%d want=%d", len(refs2), len(refs1))
+	}
+	for i := range refs1 {
+		if refs1[i] != refs2[i] {
+			t.Fatalf("payment_ref mismatch on retry at index %d: got=%q want=%q", i, refs2[i], refs1[i])
+		}
 	}
 }
 
@@ -307,3 +362,81 @@ func newExecutableBatchCardQuoteDiffDest(orgRef bson.ObjectID, quoteRef string)
 		ExpiresAt: now.Add(1 * time.Hour),
 	}
 }
+
+func newExecutableBatchCryptoQuoteSameDestination(orgRef bson.ObjectID, quoteRef string) *model.PaymentQuoteRecord {
+	now := time.Now().UTC()
+	return &model.PaymentQuoteRecord{
+		Base: modelBase(now),
+		OrganizationBoundBase: pm.OrganizationBoundBase{
+			OrganizationRef: orgRef,
+		},
+		QuoteRef:     quoteRef,
+		RequestShape: model.QuoteRequestShapeBatch,
+		Items: []*model.PaymentQuoteItemV2{
+			{
+				Intent: &model.PaymentIntent{
+					Ref:                "intent-a",
+					Kind:               model.PaymentKindPayout,
+					Source:             testLedgerEndpoint("ledger-src"),
+					Destination:        testExternalChainEndpoint("TQfCWxU4ERWstZZcMzEVB9MnnCSzE4agj8"),
+					Amount:             &paymenttypes.Money{Amount: "12", Currency: "USDT"},
+					SettlementCurrency: "USDT",
+				},
+				Quote: &model.PaymentQuoteSnapshot{
+					QuoteRef:                 quoteRef,
+					DebitAmount:              &paymenttypes.Money{Amount: "12", Currency: "USDT"},
+					ExpectedSettlementAmount: &paymenttypes.Money{Amount: "12", Currency: "USDT"},
+					Route: &paymenttypes.QuoteRouteSpecification{
+						Rail:     "CRYPTO",
+						Provider: "gw-crypto",
+						Network:  "TRON_NILE",
+						Hops: []*paymenttypes.QuoteRouteHop{
+							{Index: 10, Rail: "LEDGER", Role: paymenttypes.QuoteRouteHopRoleSource},
+							{Index: 20, Rail: "CRYPTO", Gateway: "gw-crypto", Network: "TRON_NILE", Role: paymenttypes.QuoteRouteHopRoleDestination},
+						},
+					},
+				},
+				Status: &model.QuoteStatusV2{State: model.QuoteStateExecutable},
+			},
+			{
+				Intent: &model.PaymentIntent{
+					Ref:                "intent-b",
+					Kind:               model.PaymentKindPayout,
+					Source:             testLedgerEndpoint("ledger-src"),
+					Destination:        testExternalChainEndpoint("TQfCWxU4ERWstZZcMzEVB9MnnCSzE4agj8"),
+					Amount:             &paymenttypes.Money{Amount: "7", Currency: "USDT"},
+					SettlementCurrency: "USDT",
+				},
+				Quote: &model.PaymentQuoteSnapshot{
+					QuoteRef:                 quoteRef,
+					DebitAmount:              &paymenttypes.Money{Amount: "7", Currency: "USDT"},
+					ExpectedSettlementAmount: &paymenttypes.Money{Amount: "7", Currency: "USDT"},
+					Route: &paymenttypes.QuoteRouteSpecification{
+						Rail:     "CRYPTO",
+						Provider: "gw-crypto",
+						Network:  "TRON_NILE",
+						Hops: []*paymenttypes.QuoteRouteHop{
+							{Index: 10, Rail: "LEDGER", Role: paymenttypes.QuoteRouteHopRoleSource},
+							{Index: 20, Rail: "CRYPTO", Gateway: "gw-crypto", Network: "TRON_NILE", Role: paymenttypes.QuoteRouteHopRoleDestination},
+						},
+					},
+				},
+				Status: &model.QuoteStatusV2{State: model.QuoteStateExecutable},
+			},
+		},
+		ExpiresAt: now.Add(1 * time.Hour),
+	}
+}
+
+func testExternalChainEndpoint(address string) model.PaymentEndpoint {
+	return model.PaymentEndpoint{
+		Type: model.EndpointTypeExternalChain,
+		ExternalChain: &model.ExternalChainEndpoint{
+			Address: address,
+			Asset: &paymenttypes.Asset{
+				Chain:       "TRON",
+				TokenSymbol: "USDT",
+			},
+		},
+	}
+}

api/payments/orchestrator/internal/service/orchestrationv2/psvc/module.go

@@ -51,25 +51,27 @@ type Dependencies struct {
 
 	QuoteStore qsnap.Store
 
-	Validator   reqval.Validator
+	Validator      reqval.Validator
-	Idempotency idem.Service
+	Idempotency    idem.Service
-	Quote       qsnap.Resolver
+	Quote          qsnap.Resolver
-	Aggregator  opagg.Aggregator
+	BatchOptimizer BatchOptimizer
-	Aggregate   agg.Factory
+	Aggregator     opagg.Aggregator
-	Planner     xplan.Compiler
+	Aggregate      agg.Factory
-	State       ostate.StateMachine
+	Planner        xplan.Compiler
-	Scheduler   ssched.Runtime
+	State          ostate.StateMachine
-	Executors   sexec.Registry
+	Scheduler      ssched.Runtime
-	Reconciler  erecon.Reconciler
+	Executors      sexec.Registry
-	Repository  prepo.Repository
+	Reconciler     erecon.Reconciler
-	Query       pquery.Service
+	Repository     prepo.Repository
-	Mapper      prmap.Mapper
+	Query          pquery.Service
-	Observer    oobs.Observer
+	Mapper         prmap.Mapper
-	Producer    msg.Producer
+	Observer       oobs.Observer
+	Producer       msg.Producer
 
-	RetryPolicy ssched.RetryPolicy
+	RetryPolicy             ssched.RetryPolicy
-	Now         func() time.Time
+	BatchOptimizationPolicy BatchOptimizationPolicy
-	MaxTicks    int
+	Now                     func() time.Time
+	MaxTicks                int
 }
 
 func New(deps Dependencies) (Service, error) {

api/payments/orchestrator/internal/service/orchestrationv2/psvc/optimization_policy.go

@@ -0,0 +1,361 @@
+package psvc
+
+import (
+	"strings"
+
+	"github.com/shopspring/decimal"
+	"github.com/tech/sendico/payments/storage/model"
+	"github.com/tech/sendico/pkg/discovery"
+)
+
+// BatchOptimizationMode defines how ExecuteBatchPayment compacts batch operations.
+type BatchOptimizationMode string
+
+const (
+	BatchOptimizationModeUnspecified        BatchOptimizationMode = ""
+	BatchOptimizationModeMergeByDestination BatchOptimizationMode = "merge_by_destination"
+	BatchOptimizationModeNoOptimization     BatchOptimizationMode = "no_optimization"
+)
+
+// BatchOptimizationPolicy configures batch operation compaction behavior.
+//
+// Rules are evaluated by "best match":
+// 1. all specified match fields must match the item context;
+// 2. winner is highest specificity (number of optional selectors present);
+// 3. ties are resolved by larger Priority;
+// 4. remaining ties keep the first rule order from config.
+//
+// Rail is mandatory per rule. Other match fields are optional.
+type BatchOptimizationPolicy struct {
+	DefaultMode BatchOptimizationMode
+	Rules       []BatchOptimizationRule
+}
+
+// BatchOptimizationRule defines one matching rule.
+type BatchOptimizationRule struct {
+	ID       string
+	Enabled  *bool
+	Priority int
+	Mode     BatchOptimizationMode
+	Match    BatchOptimizationMatch
+}
+
+// BatchOptimizationMatch defines selectors for one rule.
+type BatchOptimizationMatch struct {
+	Rail       model.Rail
+	Providers  []string
+	Networks   []string
+	Currencies []string
+	Amount     *BatchOptimizationAmountRange
+}
+
+// BatchOptimizationAmountRange defines optional amount matching boundaries.
+type BatchOptimizationAmountRange struct {
+	Min      string
+	Max      string
+	Currency string
+}
+
+// BatchOptimizationContext is runtime data used for matching one batch item.
+type BatchOptimizationContext struct {
+	Rail     model.Rail
+	Provider string
+	Network  string
+	Currency string
+	Amount   string
+}
+
+// BatchOptimizationSelection is the selected optimization decision.
+type BatchOptimizationSelection struct {
+	Mode    BatchOptimizationMode
+	RuleID  string
+	Matched bool
+}
+
+func defaultBatchOptimizationPolicy() BatchOptimizationPolicy {
+	return BatchOptimizationPolicy{
+		DefaultMode: BatchOptimizationModeNoOptimization,
+	}
+}
+
+func normalizeBatchOptimizationPolicy(in BatchOptimizationPolicy) BatchOptimizationPolicy {
+	out := defaultBatchOptimizationPolicy()
+	if normalizedDefault := normalizeBatchOptimizationMode(in.DefaultMode); normalizedDefault != BatchOptimizationModeUnspecified {
+		out.DefaultMode = normalizedDefault
+	}
+	if len(in.Rules) == 0 {
+		return out
+	}
+
+	rules := make([]BatchOptimizationRule, 0, len(in.Rules))
+	for i := range in.Rules {
+		rule, ok := normalizeBatchOptimizationRule(in.Rules[i])
+		if !ok {
+			continue
+		}
+		rules = append(rules, rule)
+	}
+	if len(rules) > 0 {
+		out.Rules = rules
+	}
+	return out
+}
+
+func normalizeBatchOptimizationRule(in BatchOptimizationRule) (BatchOptimizationRule, bool) {
+	out := BatchOptimizationRule{
+		ID:       strings.TrimSpace(in.ID),
+		Enabled:  in.Enabled,
+		Priority: in.Priority,
+		Mode:     normalizeBatchOptimizationMode(in.Mode),
+	}
+	if out.Mode == BatchOptimizationModeUnspecified {
+		return BatchOptimizationRule{}, false
+	}
+
+	match, ok := normalizeBatchOptimizationMatch(in.Match)
+	if !ok {
+		return BatchOptimizationRule{}, false
+	}
+	out.Match = match
+	return out, true
+}
+
+func normalizeBatchOptimizationMatch(in BatchOptimizationMatch) (BatchOptimizationMatch, bool) {
+	out := BatchOptimizationMatch{
+		Rail:       model.ParseRail(string(in.Rail)),
+		Providers:  normalizeOptimizationTokens(in.Providers),
+		Networks:   normalizeOptimizationTokens(in.Networks),
+		Currencies: normalizeOptimizationCurrencies(in.Currencies),
+	}
+	if out.Rail == discovery.RailUnspecified {
+		return BatchOptimizationMatch{}, false
+	}
+	if in.Amount != nil {
+		normalizedAmount, ok := normalizeBatchOptimizationAmountRange(*in.Amount)
+		if !ok {
+			return BatchOptimizationMatch{}, false
+		}
+		out.Amount = &normalizedAmount
+	}
+	return out, true
+}
+
+func normalizeBatchOptimizationAmountRange(in BatchOptimizationAmountRange) (BatchOptimizationAmountRange, bool) {
+	out := BatchOptimizationAmountRange{
+		Min:      strings.TrimSpace(in.Min),
+		Max:      strings.TrimSpace(in.Max),
+		Currency: normalizeOptimizationCurrency(in.Currency),
+	}
+	if out.Min == "" && out.Max == "" {
+		return BatchOptimizationAmountRange{}, false
+	}
+
+	var (
+		min decimal.Decimal
+		max decimal.Decimal
+		err error
+	)
+	if out.Min != "" {
+		min, err = decimal.NewFromString(out.Min)
+		if err != nil {
+			return BatchOptimizationAmountRange{}, false
+		}
+	}
+	if out.Max != "" {
+		max, err = decimal.NewFromString(out.Max)
+		if err != nil {
+			return BatchOptimizationAmountRange{}, false
+		}
+	}
+	if out.Min != "" && out.Max != "" && min.GreaterThan(max) {
+		return BatchOptimizationAmountRange{}, false
+	}
+	return out, true
+}
+
+func (p BatchOptimizationPolicy) Select(in BatchOptimizationContext) BatchOptimizationSelection {
+	policy := normalizeBatchOptimizationPolicy(p)
+	ctx := normalizeBatchOptimizationContext(in)
+
+	selected := BatchOptimizationSelection{
+		Mode: policy.DefaultMode,
+	}
+
+	bestSpecificity := -1
+	bestPriority := 0
+	bestOrder := len(policy.Rules) + 1
+	for i := range policy.Rules {
+		rule := policy.Rules[i]
+		if rule.Enabled != nil && !*rule.Enabled {
+			continue
+		}
+		specificity, ok := rule.matches(ctx)
+		if !ok {
+			continue
+		}
+		if specificity > bestSpecificity ||
+			(specificity == bestSpecificity && rule.Priority > bestPriority) ||
+			(specificity == bestSpecificity && rule.Priority == bestPriority && i < bestOrder) {
+			selected = BatchOptimizationSelection{
+				Mode:    rule.Mode,
+				RuleID:  rule.ID,
+				Matched: true,
+			}
+			bestSpecificity = specificity
+			bestPriority = rule.Priority
+			bestOrder = i
+		}
+	}
+	return selected
+}
+
+func (r BatchOptimizationRule) matches(ctx BatchOptimizationContext) (int, bool) {
+	match := r.Match
+	if match.Rail == discovery.RailUnspecified || ctx.Rail == discovery.RailUnspecified {
+		return 0, false
+	}
+	if match.Rail != ctx.Rail {
+		return 0, false
+	}
+
+	specificity := 0
+	if len(match.Providers) > 0 {
+		specificity++
+		if !containsOptimizationToken(match.Providers, ctx.Provider) {
+			return 0, false
+		}
+	}
+	if len(match.Networks) > 0 {
+		specificity++
+		if !containsOptimizationToken(match.Networks, ctx.Network) {
+			return 0, false
+		}
+	}
+	if len(match.Currencies) > 0 {
+		specificity++
+		if !containsOptimizationToken(match.Currencies, ctx.Currency) {
+			return 0, false
+		}
+	}
+	if match.Amount != nil {
+		specificity++
+		if !amountRangeMatches(*match.Amount, ctx.Amount, ctx.Currency) {
+			return 0, false
+		}
+	}
+	return specificity, true
+}
+
+func amountRangeMatches(rule BatchOptimizationAmountRange, amountRaw string, currencyRaw string) bool {
+	value, err := decimal.NewFromString(strings.TrimSpace(amountRaw))
+	if err != nil {
+		return false
+	}
+	if ruleCurrency := normalizeOptimizationCurrency(rule.Currency); ruleCurrency != "" && ruleCurrency != normalizeOptimizationCurrency(currencyRaw) {
+		return false
+	}
+	if rule.Min != "" {
+		min, parseErr := decimal.NewFromString(rule.Min)
+		if parseErr != nil || value.LessThan(min) {
+			return false
+		}
+	}
+	if rule.Max != "" {
+		max, parseErr := decimal.NewFromString(rule.Max)
+		if parseErr != nil || value.GreaterThan(max) {
+			return false
+		}
+	}
+	return true
+}
+
+func normalizeBatchOptimizationContext(in BatchOptimizationContext) BatchOptimizationContext {
+	return BatchOptimizationContext{
+		Rail:     model.ParseRail(string(in.Rail)),
+		Provider: normalizeOptimizationToken(in.Provider),
+		Network:  normalizeOptimizationToken(in.Network),
+		Currency: normalizeOptimizationCurrency(in.Currency),
+		Amount:   strings.TrimSpace(in.Amount),
+	}
+}
+
+func normalizeBatchOptimizationMode(raw BatchOptimizationMode) BatchOptimizationMode {
+	switch strings.ToLower(strings.TrimSpace(string(raw))) {
+	case "merge_by_destination", "merge-by-destination", "by_destination", "by-destination":
+		return BatchOptimizationModeMergeByDestination
+	case "no_optimization", "no-optimization", "none", "never_merge", "never-merge", "never":
+		return BatchOptimizationModeNoOptimization
+	default:
+		return BatchOptimizationModeUnspecified
+	}
+}
+
+func normalizeOptimizationTokens(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	seen := make(map[string]struct{}, len(values))
+	out := make([]string, 0, len(values))
+	for i := range values {
+		token := normalizeOptimizationToken(values[i])
+		if token == "" {
+			continue
+		}
+		if _, exists := seen[token]; exists {
+			continue
+		}
+		seen[token] = struct{}{}
+		out = append(out, token)
+	}
+	if len(out) == 0 {
+		return nil
+	}
+	return out
+}
+
+func normalizeOptimizationCurrencies(values []string) []string {
+	if len(values) == 0 {
+		return nil
+	}
+	seen := make(map[string]struct{}, len(values))
+	out := make([]string, 0, len(values))
+	for i := range values {
+		token := normalizeOptimizationCurrency(values[i])
+		if token == "" {
+			continue
+		}
+		if _, exists := seen[token]; exists {
+			continue
+		}
+		seen[token] = struct{}{}
+		out = append(out, token)
+	}
+	if len(out) == 0 {
+		return nil
+	}
+	return out
+}
+
+func normalizeOptimizationToken(value string) string {
+	return strings.ToUpper(strings.TrimSpace(value))
+}
+
+func normalizeOptimizationCurrency(value string) string {
+	return strings.ToUpper(strings.TrimSpace(value))
+}
+
+func containsOptimizationToken(values []string, value string) bool {
+	if len(values) == 0 {
+		return false
+	}
+	normalized := normalizeOptimizationToken(value)
+	if normalized == "" {
+		return false
+	}
+	for i := range values {
+		if values[i] == normalized {
+			return true
+		}
+	}
+	return false
+}

api/payments/orchestrator/internal/service/orchestrationv2/psvc/optimization_policy_test.go

@@ -0,0 +1,167 @@
+package psvc
+
+import (
+	"testing"
+
+	"github.com/tech/sendico/pkg/discovery"
+)
+
+func TestNormalizeBatchOptimizationPolicy_DefaultMode_NoOptimization(t *testing.T) {
+	got := normalizeBatchOptimizationPolicy(BatchOptimizationPolicy{})
+	if got.DefaultMode != BatchOptimizationModeNoOptimization {
+		t.Fatalf("default_mode mismatch: got=%q want=%q", got.DefaultMode, BatchOptimizationModeNoOptimization)
+	}
+	if got.Rules != nil {
+		t.Fatalf("expected no rules, got=%d", len(got.Rules))
+	}
+}
+
+func TestNormalizeBatchOptimizationPolicy_DropsInvalidRules(t *testing.T) {
+	got := normalizeBatchOptimizationPolicy(BatchOptimizationPolicy{
+		DefaultMode: "merge_by_destination",
+		Rules: []BatchOptimizationRule{
+			{
+				ID:   "missing-rail",
+				Mode: BatchOptimizationModeMergeByDestination,
+				Match: BatchOptimizationMatch{
+					Rail: "unknown",
+				},
+			},
+			{
+				ID:   "invalid-mode",
+				Mode: "x",
+				Match: BatchOptimizationMatch{
+					Rail: discovery.RailCrypto,
+				},
+			},
+			{
+				ID:   "valid",
+				Mode: BatchOptimizationModeMergeByDestination,
+				Match: BatchOptimizationMatch{
+					Rail: discovery.RailCrypto,
+				},
+			},
+		},
+	})
+
+	if got.DefaultMode != BatchOptimizationModeMergeByDestination {
+		t.Fatalf("default_mode mismatch: got=%q want=%q", got.DefaultMode, BatchOptimizationModeMergeByDestination)
+	}
+	if len(got.Rules) != 1 {
+		t.Fatalf("rules count mismatch: got=%d want=%d", len(got.Rules), 1)
+	}
+	if got.Rules[0].ID != "valid" {
+		t.Fatalf("rule id mismatch: got=%q want=%q", got.Rules[0].ID, "valid")
+	}
+}
+
+func TestBatchOptimizationPolicy_Select_UsesBestSpecificityThenPriority(t *testing.T) {
+	policy := BatchOptimizationPolicy{
+		DefaultMode: BatchOptimizationModeNoOptimization,
+		Rules: []BatchOptimizationRule{
+			{
+				ID:       "crypto-generic",
+				Priority: 10,
+				Mode:     BatchOptimizationModeMergeByDestination,
+				Match: BatchOptimizationMatch{
+					Rail: discovery.RailCrypto,
+				},
+			},
+			{
+				ID:       "crypto-network",
+				Priority: 5,
+				Mode:     BatchOptimizationModeNoOptimization,
+				Match: BatchOptimizationMatch{
+					Rail:     discovery.RailCrypto,
+					Networks: []string{"tron_nile"},
+				},
+			},
+			{
+				ID:       "crypto-network-priority",
+				Priority: 20,
+				Mode:     BatchOptimizationModeMergeByDestination,
+				Match: BatchOptimizationMatch{
+					Rail:     discovery.RailCrypto,
+					Networks: []string{"tron_nile"},
+				},
+			},
+		},
+	}
+
+	out := policy.Select(BatchOptimizationContext{
+		Rail:    discovery.RailCrypto,
+		Network: "TRON_NILE",
+	})
+	if !out.Matched {
+		t.Fatal("expected matched rule")
+	}
+	if out.RuleID != "crypto-network-priority" {
+		t.Fatalf("rule id mismatch: got=%q want=%q", out.RuleID, "crypto-network-priority")
+	}
+	if out.Mode != BatchOptimizationModeMergeByDestination {
+		t.Fatalf("mode mismatch: got=%q want=%q", out.Mode, BatchOptimizationModeMergeByDestination)
+	}
+}
+
+func TestBatchOptimizationPolicy_Select_FallsBackToDefault(t *testing.T) {
+	policy := BatchOptimizationPolicy{
+		DefaultMode: BatchOptimizationModeNoOptimization,
+		Rules: []BatchOptimizationRule{
+			{
+				ID:   "crypto-only",
+				Mode: BatchOptimizationModeMergeByDestination,
+				Match: BatchOptimizationMatch{
+					Rail: discovery.RailCrypto,
+				},
+			},
+		},
+	}
+
+	out := policy.Select(BatchOptimizationContext{Rail: discovery.RailCardPayout})
+	if out.Matched {
+		t.Fatalf("unexpected matched rule: %q", out.RuleID)
+	}
+	if out.Mode != BatchOptimizationModeNoOptimization {
+		t.Fatalf("mode mismatch: got=%q want=%q", out.Mode, BatchOptimizationModeNoOptimization)
+	}
+}
+
+func TestBatchOptimizationPolicy_Select_MatchesAmountRange(t *testing.T) {
+	policy := BatchOptimizationPolicy{
+		DefaultMode: BatchOptimizationModeNoOptimization,
+		Rules: []BatchOptimizationRule{
+			{
+				ID:   "crypto-large-usdt",
+				Mode: BatchOptimizationModeMergeByDestination,
+				Match: BatchOptimizationMatch{
+					Rail: discovery.RailCrypto,
+					Amount: &BatchOptimizationAmountRange{
+						Min:      "100",
+						Currency: "USDT",
+					},
+				},
+			},
+		},
+	}
+
+	matched := policy.Select(BatchOptimizationContext{
+		Rail:     discovery.RailCrypto,
+		Amount:   "120",
+		Currency: "USDT",
+	})
+	if !matched.Matched {
+		t.Fatal("expected amount rule match")
+	}
+
+	notMatched := policy.Select(BatchOptimizationContext{
+		Rail:     discovery.RailCrypto,
+		Amount:   "50",
+		Currency: "USDT",
+	})
+	if notMatched.Matched {
+		t.Fatalf("expected no amount rule match, got rule=%q", notMatched.RuleID)
+	}
+	if notMatched.Mode != BatchOptimizationModeNoOptimization {
+		t.Fatalf("default mode mismatch: got=%q want=%q", notMatched.Mode, BatchOptimizationModeNoOptimization)
+	}
+}

api/payments/orchestrator/internal/service/orchestrationv2/psvc/service.go

@@ -32,21 +32,21 @@ type svc struct {
 
 	quoteStore qsnap.Store
 
-	validator   reqval.Validator
+	validator      reqval.Validator
-	idempotency idem.Service
+	idempotency    idem.Service
-	quote       qsnap.Resolver
+	quote          qsnap.Resolver
-	aggregator  opagg.Aggregator
+	batchOptimizer BatchOptimizer
-	aggregate   agg.Factory
+	aggregate      agg.Factory
-	planner     xplan.Compiler
+	planner        xplan.Compiler
-	state       ostate.StateMachine
+	state          ostate.StateMachine
-	scheduler   ssched.Runtime
+	scheduler      ssched.Runtime
-	executors   sexec.Registry
+	executors      sexec.Registry
-	reconciler  erecon.Reconciler
+	reconciler     erecon.Reconciler
-	repository  prepo.Repository
+	repository     prepo.Repository
-	query       pquery.Service
+	query          pquery.Service
-	mapper      prmap.Mapper
+	mapper         prmap.Mapper
-	observer    oobs.Observer
+	observer       oobs.Observer
-	statuses    paymentStatusPublisher
+	statuses       paymentStatusPublisher
 
 	retryPolicy ssched.RetryPolicy
 	now         func() time.Time
@@ -93,21 +93,21 @@ func newService(deps Dependencies) (Service, error) {
 
 		quoteStore: deps.QuoteStore,
 
-		validator:   firstValidator(deps.Validator, logger),
+		validator:      firstValidator(deps.Validator, logger),
-		idempotency: firstIdempotency(deps.Idempotency, logger),
+		idempotency:    firstIdempotency(deps.Idempotency, logger),
-		quote:       firstQuoteResolver(deps.Quote, logger),
+		quote:          firstQuoteResolver(deps.Quote, logger),
-		aggregator:  firstAggregator(deps.Aggregator, logger),
+		batchOptimizer: firstBatchOptimizer(deps.BatchOptimizer, deps.BatchOptimizationPolicy, deps.Aggregator, logger),
-		aggregate:   firstAggregateFactory(deps.Aggregate, logger),
+		aggregate:      firstAggregateFactory(deps.Aggregate, logger),
-		planner:     firstPlanCompiler(deps.Planner, logger),
+		planner:        firstPlanCompiler(deps.Planner, logger),
-		state:       firstStateMachine(deps.State, logger),
+		state:          firstStateMachine(deps.State, logger),
-		scheduler:   firstScheduler(deps.Scheduler, logger),
+		scheduler:      firstScheduler(deps.Scheduler, logger),
-		executors:   firstExecutors(deps.Executors, logger),
+		executors:      firstExecutors(deps.Executors, logger),
-		reconciler:  firstReconciler(deps.Reconciler, logger),
+		reconciler:     firstReconciler(deps.Reconciler, logger),
-		repository:  deps.Repository,
+		repository:     deps.Repository,
-		query:       query,
+		query:          query,
-		mapper:      firstMapper(deps.Mapper, logger),
+		mapper:         firstMapper(deps.Mapper, logger),
-		observer:    observer,
+		observer:       observer,
-		statuses:    newPaymentStatusPublisher(logger, deps.Producer),
+		statuses:       newPaymentStatusPublisher(logger, deps.Producer),
 
 		retryPolicy: deps.RetryPolicy,
 		now:         deps.Now,
@@ -153,6 +153,17 @@ func firstAggregateFactory(v agg.Factory, logger mlogger.Logger) agg.Factory {
 	return agg.New(agg.Dependencies{Logger: logger})
 }
 
+func firstBatchOptimizer(v BatchOptimizer, policy BatchOptimizationPolicy, aggregator opagg.Aggregator, logger mlogger.Logger) BatchOptimizer {
+	if v != nil {
+		return v
+	}
+	return NewPolicyBatchOptimizer(PolicyBatchOptimizerDependencies{
+		Logger:     logger,
+		Aggregator: firstAggregator(aggregator, logger),
+		Policy:     policy,
+	})
+}
+
 func firstAggregator(v opagg.Aggregator, logger mlogger.Logger) opagg.Aggregator {
 	if v != nil {
 		return v

api/payments/orchestrator/internal/service/orchestrationv2/psvc/service_e2e_test.go

@@ -366,6 +366,14 @@ type testEnv struct {
 }
 
 func newTestEnv(t *testing.T, handler func(kind string, req sexec.StepRequest) (*sexec.ExecuteOutput, error)) *testEnv {
+	return newTestEnvWithPolicy(t, BatchOptimizationPolicy{}, handler)
+}
+
+func newTestEnvWithPolicy(
+	t *testing.T,
+	policy BatchOptimizationPolicy,
+	handler func(kind string, req sexec.StepRequest) (*sexec.ExecuteOutput, error),
+) *testEnv {
 	t.Helper()
 	repo := newMemoryRepo(func() time.Time {
 		return time.Now().UTC()
@@ -388,13 +396,14 @@ func newTestEnv(t *testing.T, handler func(kind string, req sexec.StepRequest) (
 
 	producer := &capturingProducer{}
 	svc, err := New(Dependencies{
-		QuoteStore:  quotes,
+		QuoteStore:              quotes,
-		Repository:  repo,
+		Repository:              repo,
-		Executors:   registry,
+		Executors:               registry,
-		Observer:    observer,
+		Observer:                observer,
-		Producer:    producer,
+		Producer:                producer,
-		RetryPolicy: ssched.RetryPolicy{MaxAttempts: 2},
+		RetryPolicy:             ssched.RetryPolicy{MaxAttempts: 2},
-		MaxTicks:    20,
+		BatchOptimizationPolicy: policy,
+		MaxTicks:                20,
 	})
 	if err != nil {
 		t.Fatalf("New returned error: %v", err)

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

@@ -7,6 +7,7 @@ import (
 
 	chainclient "github.com/tech/sendico/gateway/chain/client"
 	ledgerclient "github.com/tech/sendico/ledger/client"
+	"github.com/tech/sendico/payments/orchestrator/internal/service/orchestrationv2/psvc"
 	"github.com/tech/sendico/payments/storage/model"
 	clockpkg "github.com/tech/sendico/pkg/clock"
 	"github.com/tech/sendico/pkg/discovery"
@@ -108,6 +109,16 @@ func WithGatewayRegistry(registry GatewayRegistry) Option {
 	}
 }
 
+// WithBatchOptimizationPolicy configures policy-based batch optimizer behavior.
+func WithBatchOptimizationPolicy(policy psvc.BatchOptimizationPolicy) Option {
+	return func(s *Service) {
+		if s == nil {
+			return
+		}
+		s.batchOptimizationPolicy = policy
+	}
+}
+
 type discoveryGatewayRegistry struct {
 	registry *discovery.Registry
 }

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

@@ -24,13 +24,14 @@ type Service struct {
 	paymentRepo prepo.Repository
 	producer    msg.Producer
 
-	ledgerClient          ledgerclient.Client
+	ledgerClient            ledgerclient.Client
-	gatewayInvokeResolver GatewayInvokeResolver
+	gatewayInvokeResolver   GatewayInvokeResolver
-	gatewayRegistry       GatewayRegistry
+	gatewayRegistry         GatewayRegistry
-	cardGatewayRoutes     map[string]CardGatewayRoute
+	cardGatewayRoutes       map[string]CardGatewayRoute
-	paymentGatewayBroker  mb.Broker
+	batchOptimizationPolicy psvc.BatchOptimizationPolicy
-	gatewayConsumers      []msg.Consumer
+	paymentGatewayBroker    mb.Broker
-	stopExternalWorkers   context.CancelFunc
+	gatewayConsumers        []msg.Consumer
+	stopExternalWorkers     context.CancelFunc
 }
 
 // NewService constructs the v2 orchestrator service.
@@ -53,11 +54,12 @@ func NewService(logger mlogger.Logger, repo storage.Repository, producer msg.Pro
 
 	var err error
 	svc.v2, svc.paymentRepo, err = newOrchestrationV2Service(svc.logger, repo, v2RuntimeDeps{
-		LedgerClient:          svc.ledgerClient,
+		LedgerClient:            svc.ledgerClient,
-		GatewayInvokeResolver: svc.gatewayInvokeResolver,
+		GatewayInvokeResolver:   svc.gatewayInvokeResolver,
-		GatewayRegistry:       svc.gatewayRegistry,
+		GatewayRegistry:         svc.gatewayRegistry,
-		CardGatewayRoutes:     svc.cardGatewayRoutes,
+		CardGatewayRoutes:       svc.cardGatewayRoutes,
-		Producer:              svc.producer,
+		BatchOptimizationPolicy: svc.batchOptimizationPolicy,
+		Producer:                svc.producer,
 	})
 	svc.startExternalRuntime()
 	if err != nil {

api/payments/orchestrator/internal/service/orchestrator/service_v2.go

@@ -25,11 +25,12 @@ type v2MongoDBProvider interface {
 }
 
 type v2RuntimeDeps struct {
-	LedgerClient          ledgerclient.Client
+	LedgerClient            ledgerclient.Client
-	GatewayInvokeResolver GatewayInvokeResolver
+	GatewayInvokeResolver   GatewayInvokeResolver
-	GatewayRegistry       GatewayRegistry
+	GatewayRegistry         GatewayRegistry
-	CardGatewayRoutes     map[string]CardGatewayRoute
+	CardGatewayRoutes       map[string]CardGatewayRoute
-	Producer              msg.Producer
+	BatchOptimizationPolicy psvc.BatchOptimizationPolicy
+	Producer                msg.Producer
 }
 
 func newOrchestrationV2Service(logger mlogger.Logger, repo storage.Repository, runtimeDeps v2RuntimeDeps) (psvc.Service, prepo.Repository, error) {
@@ -70,13 +71,14 @@ func newOrchestrationV2Service(logger mlogger.Logger, repo storage.Repository, r
 	executors := buildOrchestrationV2Executors(logger, runtimeDeps)
 
 	svc, err := psvc.New(psvc.Dependencies{
-		Logger:     logger.Named("v2"),
+		Logger:                  logger.Named("v2"),
-		QuoteStore: repo.Quotes(),
+		QuoteStore:              repo.Quotes(),
-		Repository: paymentRepo,
+		Repository:              paymentRepo,
-		Query:      query,
+		Query:                   query,
-		Observer:   observer,
+		Observer:                observer,
-		Executors:  executors,
+		Executors:               executors,
-		Producer:   runtimeDeps.Producer,
+		BatchOptimizationPolicy: runtimeDeps.BatchOptimizationPolicy,
+		Producer:                runtimeDeps.Producer,
 	})
 	if err != nil {
 		logger.Error("Orchestration v2 disabled: service init failed", zap.Error(err))