Payment Lifecycle

State definitions
CREATED — Session created; user has not connected a wallet or selected a stablecoin.
PENDING — Wallet connected and stablecoin selected; awaiting funds.
FUNDED — Funds detected in the OTW; eligible for capture.
CANCELED — Not funded within 24 hours.
CAPTURING — Capture initiated; funds moving or being refunded.
SUCCEEDED — Final capture completed; remaining funds (if any) refunded to the user.
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