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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Temp and Major Inc.
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