git:20260904.50f1784 to git:20260904.867f8b2

# Payments monorepo

Every service under `services/` is started separately, so each one carries

its own `.codex/` layer. Run `make test` at the root before opening a pull

request; it fans out to the per-service suites.

## Hooks

The root layer and four of the services declare Codex hooks in

`.codex/config.toml`. Codex merges that file with `.codex/hooks.json` when a

directory carries both.