CAP-004 — Instant NZ transfers (NPP / PayID equivalent)

Category	Money & payments
Business goal	Not yet linked to a business goal
Satisfying module	MOD-022 Payment processing
Mode	AUTO
BD owner	BD06 Payments
Human needed	No

Real-time domestic NZD payments via the NZ faster payments infrastructure. Credits appear in the recipient account within seconds. The payment engine validates, routes, and settles each instruction atomically; the audit trail records every state transition from instruction to settlement confirmation.