CAP-052 — Term deposits

Category	Saving & wealth
Business goal	BG-005
Satisfying module	MOD-007 Account state machine
Mode	AUTO
BD owner	BD01 Customer
Human needed	No

Fixed-term deposits from 30 days to 24 months, opened in-app at a rate locked at the time of deposit. MOD-007 manages the term deposit lifecycle — activation, daily accrual, maturity instruction collection, and auto-rollover or payout at maturity. Customers set their maturity instruction (rollover, payout, or partial) before the term ends.