Funding is not checkout
Firing a real-time bank transfer on every scan inherited bank uptime, latency, fees, and redirects. Validation proved that bet couldn't hold mid-build.
Decoupled funding from checkout. Banks are touched only when a user tops up their wallet; payments clear instantly against wallet balance.
Holding balances raises regulatory surface, ledger consistency work, and settlement complexity. Naming those costs is part of owning the call.