Retry only when the contract says the same order and the same key are safe. A new idempotency key on a payment that already started is a second payment.

Agent

Refresh the borrower token only when it is within about three minutes of expiry. Do not treat a missing scope on whoami as a signal to restart onboarding.

Merchant

Next steps

Error codes

The codes in one place.

Payment flow

The happy path these branches leave.