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Rewards

Rewards accrual, reversals, and redemption governance

Reward programs fail when they ignore payment risk. Points should vest on real settlement and unwind when the money unwinds.

Control 1

Rewards should accrue only after a qualifying payment state and not on raw submission alone.

Control 2

Failed or reversed payments should trigger point reversals or account holds where policy requires it.

Control 3

Promotional boosts should be explicit events, not silent edits to a balance field.

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