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Three Patterns for 99.9% Reliability in Distributed Payments: Velocity-Aware Idempotency, Cross-Protocol Failover, and Shadow-Compare Migration. int. J. Eng. Res. Sci. Tech. [Internet]. 2026 Jul. 6 [cited 2026 Jul. 7];22(3):64-79. Available from: https://ijerst.org/index.php/ijerst/article/view/3800