CAP-001 — NZ bank account (NZD)

Category	Money & payments
Business goal	BG-002
Satisfying module	MOD-002 Core account engine
Mode	AUTO
BD owner	BD06 Payments
Human needed	No

A NZD deposit account with NZ BSB and account number, provisioned automatically on KYC approval. The foundational product for all NZ customers — payments, savings, and lending all depend on a live NZD ledger account. Every transaction posts as a double-entry ledger entry; account state (active/frozen/closed) is managed by the core account engine.