swe-enterprise-wallet-architecture

MEDIUM W009: Direct money access capability detected (payment gateways, crypto, banking).

• Direct money access detected (high risk: 1.00). The document is a focused design for a production digital wallet/credit system: it defines double-entry bookkeeping, ledger postings, SQL DDL and concrete UPDATE statements that decrement wallet balances (e.g. "UPDATE wallets SET balance = balance
• :cost WHERE user_id = :uid AND balance >= :cost RETURNING ..."), policies for enforcing non-negative balances, saga flow for deduct → external API → mark SUCCESS and automatic compensation/refund, and mechanisms to fence and atomically apply balance changes. These are explicit, payment-specific operations to move and mutate financial balances (deductions, refunds, ledger entries), not generic tooling. Therefore it grants direct financial execution capability.