This control plane turns merchant-review snapshots into one operator surface: chargeback pressure, reserve coverage, KYB recency, payout throttles, fraud-rule drift, and manual-review surge posture.
Reduce chargeback drift, refresh KYB evidence, raise reserve coverage, and tighten payout review before calling merchant posture approval-safe.
Every lane stays tied to owner, control family, account path, and the next concrete remediation move.
This is real merchant-review and underwriting proof, not generic payment-processing copy.