CAP-090 — Multi-step approval workflows

Category	Credit & structured products
Business goal	Not yet linked to a business goal
Satisfying module	MOD-021
Mode	GATE
BD owner	BD06 Payments
Human needed	Yes

Enforces configurable approval chains on high-value or sensitive transactions, requiring sign-off from multiple authorised users before execution. Pending approvals are queued with expiry; rejections log the reason for audit.