Approvals (Maker-Checker)
A real maker-checker workflow: one teammate proposes a sensitive action, one or more others vote before it executes. No action bypasses this once a policy covers it.
Define a policy
GET /team/approvals/policies
A request is created
When a covered action is attempted (e.g. a large card issuance), a request appears at GET
/team/approvals/requests
Reviewers vote
POST /team/approvals/requests/:id/vote
Threshold met → executes
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