- payments: cash instant + gateway intent/redirect + webhook confirm; topup credits wallet - payouts: driver request (holds wallet.debit) + admin complete/fail (fail refunds) - tables tripz_pay_payments / tripz_pay_payouts (logical payment schema, extractable later) - providers: cash/cliq/zaincash/syriatel/mtn/shamcash/paymob/fawry (structure ready, creds later) - migration InitPayments; wired into app.module Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>