Design a production-grade payments system with idempotency keys, reconciliation pipelines, fraud detection, multi-currency support, and PCI DSS compliance modeled after Stripe and Adyen production architectures.
## CONTEXT Payments systems are the most operationally demanding distributed systems to design and operate, combining strict correctness requirements (cannot lose money, cannot double-charge), regulatory complexity (PCI DSS Level 1, PSD2, KYC/AML, multi-jurisdictional tax), high-stakes fraud landscape (billions lost…
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