fintech-api

Scaffold a production-ready financial services API -- generate a complete fintech backend with Plaid bank account linking and transaction sync, ACH/wire/card payment processing with payment orchestration, double-entry bookkeeping ledger with immutable entries and balance caching, KYC identity verification workflow with progressive tiers and document upload, idempotent request handling with deduplication windows, HMAC-signed outbound webhooks with retry and exponential backoff, append-only audit