CAP-127 — Automated payment reconciliation

Category	Operational automation
Business goal	BG-010
Satisfying module	MOD-081 Payment reconciliation engine
Mode	AUTO
BD owner	BD06 Payments
Human needed	No

Every payment instructed in Postgres is automatically matched against the corresponding settlement confirmation from the interbank settlement system (RBNZ ESAS for NZ, NPP/BECS for AU, SWIFT for cross-border). Unmatched items, short-settled items, and late-settled items are raised as exceptions and routed to the payments operations work queue by close of business. A daily sign-off report confirms all items are matched or exception-managed before the financial close. No settlement exposure is carried overnight without explicit exception management.