عمليات مالية متينة

// Account Creation Workflow (4 durable steps)
//
// Step 1: Create customer record in finance service
// Step 2: Provision ledger accounts (EUR, USD)
// Step 3: Assign IBAN via banking partner
// Step 4: Trigger KYC verification session
//
// If step 3 fails:
//   steps 1-2 are compensated
//   (accounts closed, record archived)
//
// If step 4 fails:
//   account created but flagged as pending-kyc
//   (non-blocking)