CAP-015 — Spending limits & card controls

Category	Visibility & control
Business goal	BG-004
Satisfying module	MOD-021 Payment limit & velocity controller · MOD-078
Mode	GATE
BD owner	BD01 Customer
Human needed	No

Customer-set limits on daily spend, contactless transactions, ATM withdrawals, and online purchases. Limits are enforced at the payment validation layer — any transaction exceeding a customer-set limit is declined before posting. Changes take effect immediately without any processing delay.