> ## Documentation Index
> Fetch the complete documentation index at: https://docs.neobank.proofof.tech/llms.txt
> Use this file to discover all available pages before exploring further.

# Perflo as money ledger and local operational state

> Perflo remains the money ledger; the wrapper stores only local projections and durable coordination state.

# ADR 0007: Keep Perflo as the money ledger

This record separates monetary truth from wrapper operational state.

## Context

The wrapper coordinates several Perflo services but does not custody or settle money independently.

## Decision

Treat Perflo balances, transactions, KYC, transfers, grants, and cards as authoritative. Store local projections with `observed_at`, plus customer mappings, idempotency, consent, operations, stricter policy, and audit history.

Refresh financial observations during confirmation and reconciliation. Display observation time whenever data is cached.

## Consequences

The wrapper does not attempt double-entry reconciliation against an invented ledger. Provider disagreement stops execution and triggers investigation.

## Rejected alternatives

* **Wrapper-owned ledger**: it would imply custody and settlement authority the product does not have.
* **No local state**: idempotency, consent, audit, and asynchronous reconciliation require durable records.