refinement phase 3

dev/contracts/domains/bnpl.md

@@ -148,3 +148,17 @@ customer's repayment schedule — `installment_count` is informational (default
 
 ## Changelog
 - b12 — initial contract (eligibility, initiate, customer/admin status, webhook, admin verify/settle/revert).
+
+---
+
+## Refinement phase 3 additions (REQ-022/023/024)
+
+- `balinyaar` added to the `provider_code` enum (in-house plan; identical net-of-fee mechanics, resolves to the
+  same adapter). The set is now `snapppay|digipay|tara|torobpay|balinyaar`.
+- `POST checkout_bnpl/eligibility` accepts optional `{ nationalId, mobile, consent }` (consent required when the
+  KYC inputs are present; a supplied mobile drives the provider inquiry, else the account mobile).
+- `GET api/v1/checkout_bnpl/by_request/{bookingRequestId}` (owner-scoped) → `BnplOrderStatusDto`; `bookingId` on
+  the settled order was already present on the DTO.
+- **DEFERRED:** `checkout_bnpl/options/{id}` + `schedule` + `wallet_installments` — b12 deliberately does not model
+  the customer repayment schedule / per-installment status, and there is no installment ledger to serve them from.
+  Keep the D1/D2/D4/D5 plan visualization mocked until a provider-schedule integration (or a schedule table) lands.