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zeekay
24d7d0ceba
ATS prefunding pool for instant-buy execution while ACH settles. Capital reservation with per-user/per-tx/utilization limits. Margin monitoring with configurable warning/call/liquidation thresholds. KYC-tiered instant buy limits (basic $250 → institutional $250k). Full settlement lifecycle: reserve → execute → ACH clear/fail → settle/liquidate. 49 comprehensive tests including concurrency and end-to-end lifecycle.