What happens when this goes wrong?
Every other page shows this payment working. Here you choose what breaks, and follow the damage — because a hold, a return or a missed cut-off is the system working as designed, and reading one calmly is the job.
Pick a failure above. Nothing here is invented — each one is a reason code this rail really uses, at the step where it really strikes.
ILLUSTRATIVE / SYNTHETIC — TRAINING ONLY. One token transfer between two banks on a generic central-bank platform. This is a forward-looking, design-dependent construction, not a live system; concrete wholesale-CBDC designs vary by jurisdiction and were not verified against a primary central-bank source this pass. Every failure here is authored on Wholesale CBDC interbank settlement (illustrative), with the sources that back it.