CAP-014 — Savings pots / sub-accounts

Category	Visibility & control
Business goal	Not yet linked to a business goal
Satisfying module	MOD-007 Account state machine
Mode	AUTO
BD owner	BD01 Customer
Human needed	No

Named savings pots (e.g., "Holiday", "Emergency fund", "Car deposit") that ring-fence portions of the customer's balance within the same account structure. Funds in a pot are visible separately but remain on the same ledger account. MOD-007 manages pot creation, balance segregation, and transfers between pots and the main account.