Payment Processing System

Compliance Rules
All transactions over $10,000 must be reported to FinCEN within 24 hours.
KYC verification required for new accounts before first transaction.
Cross-border transfers must pass sanctions list clearance.

Performance Characteristics
P99 latency: 450ms (target: 200ms — 2.25x over SLA).
When p99_latency exceeds 200ms, open P1 incident within 4 hours.
Database connection pool: 95% utilization (target: 80% — saturation risk).
When db_pool_utilization exceeds 90%, scale connection pool or add read replica.
Memory usage: trending +8% per month (target: 2% — OOM within 6 months).
When memory_growth exceeds 2%/month, investigate and remediate within 1 sprint.

Security Policies
TLS 1.3 required for all API endpoints.
No plaintext credential storage permitted.
