Data Ownership

Service	Owns
Auth	users, roles, tokens
Customer	customers, addresses, kyc
Account	accounts, balance_snapshots
Payment	payments, idempotency_records
Ledger	ledger_transactions, ledger_entries
Portfolio	portfolios, holdings, orders
Market Data	securities, prices
Fraud	fraud_checks, rules
Reconciliation	runs, items, exceptions
Notification	notifications, templates
Analytics	aggregated read models