payram-topup-wallet-integration

Integrate PayRam into an EXISTING app using the recommended top-up wallet pattern — credit crypto payments to a user's in-app wallet balance first, then debit invoices from that balance. Handles every crypto payment reality (overpayment, underpayment, multiple sends, late payments, duplicate webhooks) as balance states instead of payment exceptions. Covers the ledger schema, the credit/debit flows, idempotency,…