Our take on real-time payment reconciliation: two bounded windows, a deterministic core, and three decisions we'd like opinions on

Overview

We wrote this — full disclosure: we built it and we work on it, so we're biased. It was also built with AI assistance throughout (code, SQL, infra, docs), so please assume there are mistakes in it — treat it as a reference implementation to argue with, not as production code. We just finished an open-source reference implementation of per-payment reconciliation across three legs — switch/auth, merchant callback, bank settlement — and I'd rather have it reviewed than marketed. The parts b

SpinGraph analysis pending — check back after processing.