CAP-016 — Instant card freeze / unfreeze

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

A customer can freeze their physical or virtual card instantly from the app, blocking all new card-present and card-not-present transactions. The freeze takes effect within seconds and can be reversed just as quickly. Existing scheduled payments and direct debits are not affected by a card freeze.