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- pkg/settlement: Cross-broker-dealer trade cash settlement Atomic 5-posting escrow flow (buyer→escrow→seller + commissions) - pkg/api: New ledger service endpoints (balances, tx CRUD, revert) - cmd/treasuryd: DATABASE_URL for Postgres, auto-migrate on startup - go.mod: Added jackc/pgx/v5 - LLM.md: Updated architecture docs