Deduction V2

Introduces real-time balance hold (deduction V2.0) for Qontak One billing, replacing the current post-hoc deduction model with an upfront hold-and-settle flow that prevents over-consumption before quota is confirmed.

Scope Changes

• Backend — real-time balance-hold deduction logic; quota reservation and settlement flow. The sole client-visible change is the get usage balance endpoint returning Available (Pooled − Reserved) — a backend response change, no FE redesign (RFC Out of Scope #5; the earlier design's DED-S07 aggregate-history UI was dropped).

Initiatives

• prds/deduction-v2.md — PRD: Deduction V2.0 Phase 1 Real-time Balance Hold
• rfcs/deduction-v2.md — RFC: agent-execution-ready engineering design

QA Lane

Lane B — keeps a human QA gate. Money-critical: real-time balance hold, deduction and settlement of billing quota — a silent error directly mischarges customers. No E2E test specs exist for this initiative yet, so the Lane-A entry bar (100% E2E, spec-mapped coverage) is unmet regardless. Classified by Yoddi, Izzul (QA), 2026-06-26.