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dispatcher.js: NOWAIT row-lock on application_user for fail-fast concurrency, 30s timeout on provider calls, failure taxonomy (TRANSIENT/DECLINED/TERMINAL), duplicate-initiate guard for async steps - Async steps left ACTIVE (not in_progress) for webhook finalization - Action signatures unified: (application, applicationUser, data, step, transaction, ctx) - steps/actions/{kyc,credit_check,agreement,emandate,bank_statement}.js extract provider logic from legacy routes into callable actions - Synchronous steps (PAN, PERSONAL, AADHAAR_XML) persist artifact and complete immediately - Async steps (DIGILOCKER, BUREAU, AGREEMENT, EMANDATE, AA, AADHAAR_OTP) return pending with redirect URL/reference - Provider timeout triggers reconciliation for side-effecting kinds - Validates data via schemas, checks kind is flow-permitted, guards against duplicate execution via in_progress status + row lock - Legacy routes unchanged (FR17 — temporary duplication accepted) Fixes: Blocking findings F1-F6 from code review Co-Authored-By: Claude Sonnet 4.5 lastCommitSHA: fc0597fcb756d105b22edb761daa77a5253c9601 message: 'Tasks Completed: 1 (Failed: 1, Cancelled 0), Skipped: 0' pipeline: greencapitaltrade/destiny/main releaseNotesURL: https://github.com/greencapitaltrade/destiny/releases/tag/v1.62.0 startedTimestamp: "2026-06-17T04:46:01Z" status: Running steps: - 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