diff --git a/.gitea/ISSUE_TEMPLATE/bug_report.md b/.gitea/ISSUE_TEMPLATE/bug_report.md
new file mode 100644
index 0000000..b8471ae
--- /dev/null
+++ b/.gitea/ISSUE_TEMPLATE/bug_report.md
@@ -0,0 +1,31 @@
+---
+name: Bug report
+about: Create a report to help us improve
+title: ''
+labels: bug
+assignees: ''
+
+---
+
+**Describe the bug**
+A clear and concise description of what the bug is.
+
+**To Reproduce**
+Steps to reproduce the behavior:
+1. Initialize SDK with '...'
+2. Call method '...'
+3. See error
+
+**Expected behavior**
+A clear and concise description of what you expected to happen.
+
+**Screenshots**
+If applicable, add screenshots to help explain your problem.
+
+**Environment (please complete the following information):**
+ - PHP Version: [e.g. 8.2]
+ - SDK Version [e.g. 1.0.0]
+ - OS: [e.g. Ubuntu 22.04]
+
+**Additional context**
+Add any other context about the problem here.
diff --git a/.gitignore b/.gitignore
index 7012a8d..d2eb7ca 100644
--- a/.gitignore
+++ b/.gitignore
@@ -4,3 +4,11 @@
 .env
 phpunit.xml
 composer.lock
+/build/
+*.pem
+*.key
+*.crt
+*.pfx
+.DS_Store
+.idea/
+.vscode/
diff --git a/CONTRIBUTING.md b/CONTRIBUTING.md
new file mode 100644
index 0000000..fe9bfac
--- /dev/null
+++ b/CONTRIBUTING.md
@@ -0,0 +1,65 @@
+# Contributing to Alfa Bank SDK
+
+Thank you for your interest in contributing to the unofficial Alfa Bank SDK! We welcome pull requests, bug reports, and feature requests.
+
+## Getting Started
+
+1.  **Fork the repository** on GitHub.
+2.  **Clone your fork** locally:
+    ```bash
+    git clone https://github.com/your-username/alfa-bank-sdk.git
+    cd alfa-bank-sdk
+    ```
+3.  **Install dependencies**:
+    ```bash
+    composer install
+    ```
+
+## Development Standards (Strict)
+
+To maintain the "Enterprise Grade" quality of this SDK, all contributions must adhere to the following architectural rules:
+
+### 1. Requests & Responses
+- **DTOs Only:** Never pass raw arrays to a Request constructor. Always create a dedicated DTO in `src/Data/...`.
+- **Strict Typing:** All Request classes must implement the `createDtoFromResponse(Response $response)` method. Returning raw JSON is forbidden.
+- **Saloon v3:** Follow [Saloon PHP](https://docs.saloon.dev) best practices.
+
+### 2. Pagination
+- If an endpoint returns a list (e.g. transactions, accounts), the Request class **MUST**:
+    1. Implement `Saloon\PaginationPlugin\Contracts\Paginatable`.
+    2. Use the `Apoloz\AlfaBank\Traits\HasAlfaPagination` trait.
+    3. Return a `Spatie\LaravelData\DataCollection` in `createDtoFromResponse`.
+
+### 3. Security
+- **No Secrets:** Never commit real keys (`.pem`, `.key`, `.pfx`) or credentials.
+- **Crypto:** Use the `CmsSigner` and `JwsSigner` utilities for cryptographic operations. Do not roll your own crypto logic.
+
+## Running Quality Checks
+
+We use **Pest** for testing and **PHPStan** for static analysis.
+
+```bash
+# Run Unit & Feature Tests
+vendor/bin/pest
+
+# Run Static Analysis (Level 5)
+vendor/bin/phpstan analyse
+```
+
+**PRs with failing tests or PHPStan errors will not be merged.**
+
+## Submitting a Pull Request
+
+1.  Create a new branch: `git checkout -b feature/my-new-feature`.
+2.  Write tests for your new feature (we aim for high coverage).
+3.  Commit changes with clear, descriptive messages.
+4.  Push to your fork and open a Pull Request against `main`.
+
+## Reporting Bugs
+
+Please open an issue on GitHub with:
+- A clear description of the bug.
+- Minimal reproducible code example.
+- SDK version and PHP version.
+
+Thank you for helping improve this SDK!
\ No newline at end of file
diff --git a/LICENSE b/LICENSE
new file mode 100644
index 0000000..5c1df74
--- /dev/null
+++ b/LICENSE
@@ -0,0 +1,21 @@
+MIT License
+
+Copyright (c) 2023 Anatoliy Poloz
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.
diff --git a/README.md b/README.md
index a478885..6ebcee9 100644
--- a/README.md
+++ b/README.md
@@ -6,7 +6,7 @@ This is an unofficial PHP SDK for the [Alfa Bank API](https://developers.alfaban
 
 - PHP 8.2+
 - OpenSSL (for certificate generation/handling)
-- [Saloon](https://docs.saloon.dev)
+- [Saloon](https://docs.saloon.dev) v3.0+
 - [Spatie Laravel Data](https://spatie.be/docs/laravel-data)
 - [phpseclib](https://phpseclib.org/) (for Card Encryption)
 
@@ -16,6 +16,457 @@ This is an unofficial PHP SDK for the [Alfa Bank API](https://developers.alfaban
 composer require apoloz/alfa-bank-sdk
 ```
 
+## Security & Setup (Crucial)
+
+Alfa Bank uses a comprehensive security model requiring **two distinct sets of keys**:
+1.  **Transport (mTLS):** To establish the SSL connection.
+2.  **Signing (JWS/CMS):** To digitally sign the request body.
+
+### Where to get keys?
+- **Sandbox:** Provided by the bank support or downloaded from the Developer Portal (usually as `.pfx` or `.zip`).
+- **Production:**
+    - **Transport (mTLS):** Generate a private key and CSR using OpenSSL (`openssl genrsa`, `openssl req`). Send the CSR to `alfa_api@alfabank.ru`. The bank will reply with your Certificate.
+    - **Signing:** Generated by you (the client). The public certificate must be registered in "Alfa Business Online" or sent to your onboarding manager.
+
+### 1. Converting PFX to PEM
+If the bank provided a `.pfx` file for signing, you must convert it to PEM format:
+```bash
+# Extract Private Key
+openssl pkcs12 -in signing.pfx -nocerts -out signing_key.pem -nodes
+
+# Extract Public Certificate
+openssl pkcs12 -in signing.pfx -clcerts -nokeys -out signing_cert.pem
+```
+
+### 2. Initialization
+You can now initialize the SDK with both key pairs:
+
+```php
+use Apoloz\AlfaBank\AlfaBank;
+use Apoloz\AlfaBank\Enums\Environment;
+
+$baas = AlfaBank::baas(
+    // Transport Keys (mTLS)
+    certificatePath: '/path/to/transport_cert.pem', 
+    privateKeyPath: '/path/to/transport_key.pem',
+    
+    // Signing Keys (Business Logic) - Optional, defaults to transport keys if not set
+    signingCertificatePath: '/path/to/signing_cert.pem',
+    signingPrivateKeyPath: '/path/to/signing_key.pem',
+    
+    environment: Environment::SANDBOX,
+    caBundlePath: '/path/to/root_ca_bundle.crt'
+);
+```
+
+## Core Usage
+
+### Authentication (BaaS)
+
+Use the `login` method to perform OAuth Client Credentials flow:
+
+```php
+$baas->login(
+    clientId: 'your-client-id', 
+    clientSecret: 'your-client-secret'
+);
+```
+
+### Making Requests
+
+#### SBP: Generate QR Code
+```php
+use Apoloz\AlfaBank\Sbp\Requests\GetQrCodeRequest;
+use Apoloz\AlfaBank\Sbp\Data\QrCodeRequestData;
+
+$sbp = AlfaBank::sbp(
+    certificatePath: '...',
+    privateKeyPath: '...',
+    keyNameAlias: '9728109955', // Terminal ID
+    signingPrivateKeyPath: '/path/to/signing_key.pem' // Specific signing key for SBP body
+);
+
+$response = $sbp->send(new GetQrCodeRequest(
+    new QrCodeRequestData(TermNo: '...', amount: '100')
+));
+
+$link = $response->dto()->payload;
+```
+
+#### Nominal Accounts
+```php
+$response = $baas->send(new CreateBeneficiaryRequest($payload));
+```
+
+### Self-Employed (Payouts & Status)
+
+The SDK supports managing self-employed beneficiaries, checking their FTS status, and processing payouts.
+
+#### Check Taxpayer Status
+```php
+use Apoloz\AlfaBank\Requests\SelfEmployed\GetTaxpayerStatusRequest;
+use Apoloz\AlfaBank\Data\SelfEmployed\TaxpayerStatusRequestData;
+
+$payload = new TaxpayerStatusRequestData(
+    externalId: 'unique-id',
+    selfemployedVatinList: ['123456789012']
+);
+
+$response = $baas->send(new GetTaxpayerStatusRequest($payload));
+$status = $response->dto()->taxpayerStatusList[0];
+```
+
+#### Process Payout
+```php
+use Apoloz\AlfaBank\Requests\SelfEmployed\CreatePayoutRequest;
+use Apoloz\AlfaBank\Data\SelfEmployed\PayoutRequestData;
+
+$payload = new PayoutRequestData(
+    externalId: 'ext-id-456',
+    company: ['vatin' => '7700000000'],
+    requisite: [
+        ['amount' => 1000, 'vatin' => '112233445566']
+    ]
+);
+$response = $baas->send(new CreatePayoutRequest($payload));
+```
+
+### File Exchange
+
+Upload and download files securely.
+
+```php
+use Apoloz\AlfaBank\Requests\FileExchange\UploadFileRequest;
+use Apoloz\AlfaBank\Requests\FileExchange\DownloadFileRequest;
+
+// Upload
+$stream = fopen('path/to/file', 'r');
+$baas->send(new UploadFileRequest($uploadUrl, $stream, $fileSize));
+
+// Download
+$response = $baas->send(new DownloadFileRequest($downloadUrl));
+$content = $response->body();
+```
+
+### Payments (RUR Payment Orders)
+
+Create standard payment orders and check their status.
+
+```php
+use Apoloz\AlfaBank\Requests\Payments\CreatePaymentRequest;
+use Apoloz\AlfaBank\Data\Payments\PaymentData;
+
+$payload = new PaymentData(
+    amount: 100.50,
+    date: '2023-10-25',
+    externalId: 'order-12345',
+    operationCode: '01',
+    payeeAccount: '40702...',
+    payeeBankBic: '044525225',
+    payeeName: 'Partner LLC',
+    payerAccount: '40702...',
+    payerBankBic: '044525593',
+    payerBankCorrAccount: '30101...',
+    payerInn: '7700000000',
+    payerName: 'My Company',
+    priority: '5',
+    purpose: 'Payment for services'
+);
+
+// Create Payment
+$baas->send(new CreatePaymentRequest($payload));
+
+// Check State
+use Apoloz\AlfaBank\Requests\Payments\GetPaymentStateRequest;
+$state = $baas->send(new GetPaymentStateRequest('order-12345'))->dto();
+echo $state->bankStatus; // e.g. ACCEPTED
+```
+
+### Cards
+
+Retrieve a list of client cards.
+
+```php
+use Apoloz\AlfaBank\Requests\Cards\GetCardsRequest;
+
+$response = $baas->send(new GetCardsRequest());
+foreach ($response->dto() as $card) {
+    echo $card->maskedNumber . ' - ' . $card->status;
+}
+```
+
+### B2C Payouts (SBP via Phone)
+
+Send money to individuals using their phone number through SBP.
+
+```php
+use Apoloz\AlfaBank\Requests\B2C\CreateB2CPaymentRequest;
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentRequestData;
+use Apoloz\AlfaBank\Data\B2C\B2CClientData;
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentRecipientData;
+
+$payload = new B2CPaymentRequestData(
+    client: new B2CClientData(b2cClientId: '...', partnerId: 123),
+    inn: '7700000000',
+    account: '40702...',
+    total: 100.53,
+    signedBody: '...base64_signature...',
+    payments: B2CPaymentRecipientData::collect([
+        [
+            'phone' => '79001112233',
+            'amount' => 100.53,
+            'nspkBankId' => '100000000001',
+            'sequence' => 'unique-seq-1',
+            'name' => ['first' => 'Ivan', 'last' => 'Ivanov']
+        ]
+    ], DataCollection::class)
+);
+
+$baas->send(new CreateB2CPaymentRequest($payload));
+```
+
+### Payment Registries (Batch Ruble Payments)
+
+Create a registry for multiple ruble payments and sign it.
+
+```php
+use Apoloz\AlfaBank\Requests\Registries\CreateRegistryRequest;
+use Apoloz\AlfaBank\Data\Registries\RegistryRequestData;
+use Apoloz\AlfaBank\Data\Registries\RegistryPaymentData;
+
+$payload = new RegistryRequestData(
+    payments: RegistryPaymentData::collect([
+        [
+            'amount' => 1000.0,
+            'date' => '2023-11-01',
+            'payeeAccount' => '40702...',
+            'payeeBankBic' => '044525225',
+            'payeeInn' => '7700000000',
+            'payeeName' => 'Vendor LLC',
+            'payerAccount' => '40702...',
+            'purpose' => 'Batch payment part 1'
+        ]
+    ], DataCollection::class),
+    description: 'Weekly payroll'
+);
+
+$response = $baas->send(new CreateRegistryRequest($payload));
+$registryId = $response->json('id');
+
+// Sign Registry
+use Apoloz\AlfaBank\Requests\Registries\SignRegistryRequest;
+use Apoloz\AlfaBank\Data\Registries\RegistrySignatureData;
+use Spatie\LaravelData\DataCollection;
+
+$signatures = RegistrySignatureData::collect([
+    [
+        'base64Encoded' => '...', // Base64 signature
+        'signatureType' => 'RSA',
+        'certificateUuid' => '...'
+    ]
+], DataCollection::class);
+
+$baas->send(new SignRegistryRequest($registryId, $signatures));
+```
+
+### Customer Info
+
+Get organization profile.
+
+```php
+use Apoloz\AlfaBank\Requests\CustomerInfo\GetCustomerInfoRequest;
+
+$info = $baas->send(new GetCustomerInfoRequest())->dto();
+echo $info->fullName;
+```
+
+### Limits
+
+Get client's operation limits.
+
+```php
+use Apoloz\AlfaBank\Requests\Limits\GetGeneralLimitsRequest;
+
+$response = $baas->send(new GetGeneralLimitsRequest());
+$limits = $response->json();
+```
+
+### Debit Cards
+
+Apply for a new debit card.
+
+```php
+use Apoloz\AlfaBank\Requests\DebitCards\CreateDebitCardApplicationRequest;
+use Apoloz\AlfaBank\Data\DebitCards\DebitCardApplicationData;
+
+$payload = new DebitCardApplicationData(
+    embossingName: 'IVAN IVANOV',
+    firstName: 'Иван',
+    lastName: 'Иванов',
+    middleName: 'Иванович',
+    mobilePhone: '79001112233',
+    passportBirthDate: '1990-01-01',
+    sex: 'm',
+    sopdConfirmed: true
+);
+
+$baas->send(new CreateDebitCardApplicationRequest($payload));
+```
+
+### User Compliance
+
+Check user compliance for loans.
+
+```php
+use Apoloz\AlfaBank\Requests\Compliance\GetUserComplianceRequest;
+
+$baas->send(new GetUserComplianceRequest());
+```
+
+### DFA (Digital Financial Assets)
+
+List initial placements.
+
+```php
+use Apoloz\AlfaBank\Requests\DFA\GetDfaInitialPlacementListRequest;
+
+$baas->send(new GetDfaInitialPlacementListRequest(limit: 5));
+```
+
+### Currency Rates
+
+Get currency rates by office.
+
+```php
+use Apoloz\AlfaBank\Requests\Rates\GetOfficeRatesRequest;
+
+$baas->send(new GetOfficeRatesRequest());
+```
+
+### Escrow Accounts
+
+Manage construction projects and escrow orders.
+
+```php
+use Apoloz\AlfaBank\Requests\Escrow\GetBuildProjectsRequest;
+
+$projects = $baas->send(new GetBuildProjectsRequest())->json();
+```
+
+### Power of Attorney (Poa)
+
+Request and check status of digital POAs.
+
+```php
+use Apoloz\AlfaBank\Requests\Poa\CreatePoaRequest;
+
+$response = $baas->send(new CreatePoaRequest('poa-123', '7700000000'));
+$uuid = $response->json('requestUuid');
+```
+
+### Loyalty
+
+Access bonus accounts and transaction history.
+
+```php
+use Apoloz\AlfaBank\Requests\Loyalty\GetLoyaltyAccountsRequest;
+
+$accounts = $baas->send(new GetLoyaltyAccountsRequest())->json();
+```
+
+### Reports
+
+Order certificates and reports.
+
+```php
+use Apoloz\AlfaBank\Requests\Reports\CreateAccountBalanceReportRequest;
+
+$baas->send(new CreateAccountBalanceReportRequest(['40702...'], 'eng'));
+```
+
+### Crypto Service
+
+Manage encryption and signing certificates.
+
+```php
+use Apoloz\AlfaBank\Requests\Crypto\GetCertificatesRequest;
+
+$certificates = $baas->send(new GetCertificatesRequest())->json();
+```
+
+### Partner (MMB)
+
+Access partner program data and applications.
+
+```php
+use Apoloz\AlfaBank\Requests\Partner\GetPartnerApplicationsRequest;
+
+$apps = $baas->send(new GetPartnerApplicationsRequest())->json();
+```
+
+### Miscellaneous
+
+- **Bonus Numbers**: `$baas->send(new GetBonusNumbersRequest());`
+- **Credit Offers**: `$baas->send(new GetCreditOffersRequest());`
+- **Self-encashment**: `$baas->send(new CreateSelfEncashmentRegistryRequest($data));`
+- **Business Lounge**: `$baas->send(new GetLoungeBalanceRequest());`
+- **Scoring**: `$baas->send(new GetComplianceScoreRequest('7700000000'));`
+- **Security**: `$baas->send(new GetSubscriptionsRequest());`
+- **Logistics**: `$baas->send(new GetDeliveriesRequest('...'));`
+- **Webhooks**: `$baas->send(new GetWebhooksRequest());`
+- **1C Integration**: `$baas->send(new CheckMerchantRequest('MF123', 'Basic ...'));`
+- **Claims**: `$baas->send(new ResolveClaimRequest('ID', $data));`
+- **Orders (Travel/Afisha)**: `$baas->send(new CreateTravelOrderRequest($data));`
+- **Salary Project**: `$baas->send(new CreatePayrollApplicationRequest($payload));`
+- **Cloud Signature**: `$baas->send(new SubmitSigningRequest('REQ-ID'));`
+- **Aff Integration**: `$baas->send(new CheckComplianceRequest('INN', 'Name'));`
+- **Digital Ruble**: `$sbp->send(new CreateUniQrRequest($uniQrData));`
+
+### Signing Data (CMS)
+
+For requests requiring a digital signature (e.g., Payments), you must canonicalize and sign the data manually.
+
+```php
+use Apoloz\AlfaBank\Utils\CmsSigner;
+use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
+use Spatie\LaravelData\DataCollection;
+
+// 1. Prepare data
+$fields = [
+    'amount' => 100.50,
+    // ... other fields
+];
+
+// 2. Canonicalize & Sign
+$json = CmsSigner::canonicalize($fields);
+$cert = file_get_contents('/path/to/signing_cert.pem');
+$key = file_get_contents('/path/to/signing_key.pem');
+$signature = CmsSigner::sign($json, $cert, $key);
+
+// 3. Attach to DTO
+$paymentData->digestSignatures = DigestSignatureData::collect([
+    [
+        'base64Encoded' => $signature,
+        'signatureType' => 'CMS'
+    ]
+], DataCollection::class);
+```
+
+## Advanced Features
+
+### Pagination
+The SDK supports automatic pagination for list endpoints:
+
+```php
+use Apoloz\AlfaBank\Requests\Accounts\GetAccountsRequest;
+
+$paginator = $baas->paginate(new GetAccountsRequest());
+
+foreach ($paginator as $account) {
+    // Each item is processed automatically
+}
+```
+
 ## Laravel Integration
 
 The package supports auto-discovery. Publish the config file:
@@ -26,120 +477,80 @@ php artisan vendor:publish --tag=alfa-bank-config
 
 Configure your `.env`:
 ```env
-ALFA_BAAS_CERT_PATH=/path/to/cert.cer
-ALFA_BAAS_KEY_PATH=/path/to/key.key
-ALFA_BAAS_ENV=sandbox
-
-ALFA_SBP_CERT_PATH=/path/to/cert.cer
-ALFA_SBP_KEY_PATH=/path/to/key.key
-ALFA_SBP_KEY_ALIAS=your-alias
-ALFA_SBP_ENV=sandbox
+ALFA_BAAS_CERT_PATH=/path/to/transport_cert.pem
+# ... other settings
+ALFA_WEBHOOK_USER=your_webhook_user
+ALFA_WEBHOOK_PASSWORD=your_webhook_password
 ```
 
-Now you can inject the connectors:
-```php
-use Apoloz\AlfaBank\AlfaBankConnector;
+### Webhook Handling (Laravel)
 
-public function index(AlfaBankConnector $connector) {
-    $connector->withToken('...')->send(new GetNominalAccountsRequest());
+The SDK provides a built-in controller and route macro to handle incoming webhooks and dispatch Laravel events.
+
+1. **Register the route** in `routes/api.php`:
+```php
+Route::alfaWebhooks('/webhooks/alfa');
+```
+
+2. **Listen for the event** in `app/Providers/EventServiceProvider.php`:
+```php
+use Apoloz\AlfaBank\Laravel\Events\AlfaWebhookReceived;
+
+protected $listen = [
+    AlfaWebhookReceived::class => [
+        \App\Listeners\HandleAlfaWebhook::class,
+    ],
+];
+```
+
+3. **Handle the DTO** in your listener:
+```php
+public function handle(AlfaWebhookReceived $event)
+{
+    $webhook = $event->webhook; // BaseWebhookData DTO
+    
+    if ($webhook->object === 'ul_transaction_default') {
+        $transaction = $webhook->data;
+        // ...
+    }
 }
 ```
 
-## Core Usage (Generic PHP)
+## Error Handling
 
-### 1. Initialize the Connector
+The SDK throws `Apoloz\AlfaBank\Exceptions\AlfaBankException` when the API returns an error.
 
 ```php
-use Apoloz\AlfaBank\AlfaBankConnector;
-use Apoloz\AlfaBank\Enums\Environment;
-
-$connector = new AlfaBankConnector(
-    certificatePath: '/path/to/client.cer',
-    privateKeyPath: '/path/to/private.key',
-    environment: Environment::SANDBOX
-);
+try {
+    $baas->send($request);
+} catch (\Apoloz\AlfaBank\Exceptions\AlfaBankException $e) {
+    echo $e->getErrorCode(); // e.g. "invalid_token" or "RQ05014"
+    echo $e->getMessage();
+}
 ```
 
-### 2. Authentication
+## Utilities
+
+- **Card PAN Encryption**: `CardEncryptor::encrypt($pan, $pubKey)`
+- **CMS Signing**: `CmsSigner::sign($data, $cert, $key)`
+- **JWS/JWE**: `JwsSigner` and `JweEncryptor` for transport security.
+
+## Diagnostics
+
+### Health Check (Laravel)
+Run the built-in Artisan command to verify your mTLS certificates and connection:
+
+```bash
+php artisan alfa:check
+```
+
+### Logging
+Attach a PSR-3 logger to debug requests (sensitive data redacted):
 
 ```php
-use Apoloz\AlfaBank\Requests\Auth\GetTokenRequest;
-
-$request = new GetTokenRequest(
-    clientId: 'your-client-id',
-    clientSecret: 'your-client-secret',
-    code: 'auth-code',
-    redirectUri: 'https://your-app.com/callback'
-);
-
-$response = $connector->send($request);
-$tokenData = $response->dto();
-
-$connector->withToken($tokenData->access_token);
+$baas->withLogging(Log::getLogger());
 ```
 
-### 3. SBP / QR Payouts (C2B)
-
-```php
-use Apoloz\AlfaBank\Sbp\SbpConnector;
-
-$sbpConnector = new SbpConnector(
-    certificatePath: '/path/to/client.cer',
-    privateKeyPath: '/path/to/private.key',
-    keyNameAlias: 'your-key-alias',
-    environment: Environment::SANDBOX
-);
-
-$response = $sbpConnector->send(new GetQrCodeRequest($payload));
-```
-
-### 4. Utilities
-
-#### Card PAN Encryption
-Required for card payouts in Nominal Accounts.
-
-```php
-use Apoloz\AlfaBank\Utils\CardEncryptor;
-
-$encryptedPan = CardEncryptor::encrypt(
-    pan: '4779642610000010',
-    publicKeyPem: file_get_contents('alfa-card-key.pub')
-);
-```
-
-#### JSON Web Signature (JWS)
-Used for signing some BaaS requests.
-
-```php
-use Apoloz\AlfaBank\Utils\JwsSigner;
-
-$jws = JwsSigner::sign(
-    payload: ['foo' => 'bar'],
-    privateKeyPem: file_get_contents('my-key.pem'),
-    certificateSerialNumber: '610003...'
-);
-```
-
-#### JSON Web Encryption (JWE)
-Used for encrypting sensitive BaaS requests.
-
-```php
-use Apoloz\AlfaBank\Utils\JweEncryptor;
-
-$jwe = JweEncryptor::encrypt(
-    jws: $jws,
-    publicKeyPem: file_get_contents('alfa-cert.cer'),
-    certificateSerialNumber: '610003...'
-);
-```
-
-## Features
-
-- **Mutual TLS**: Automated certificate handling.
-- **Laravel Ready**: Service Provider and Config included.
-- **Typed DTOs**: Comprehensive response parsing.
-- **Full Product Coverage**: BaaS (Nominal Accounts, Escrow), SBP (QR, Subscriptions), Digital Ruble.
-
 ## License
 
 MIT
diff --git a/composer.json b/composer.json
index a71e3ac..dca68bb 100644
--- a/composer.json
+++ b/composer.json
@@ -1,41 +1,49 @@
 {
-  "name": "apoloz/alfa-bank-sdk",
-  "description": "Unofficial Alfa Bank API SDK for PHP using Saloon and Laravel Data",
-  "type": "library",
-  "license": "MIT",
-  "authors": [
-    {
-      "name": "A. Poloz",
-      "email": "t0ly.od@yandex.ru"
+    "name": "apoloz/alfa-bank-sdk",
+    "description": "Unofficial Alfa Bank API SDK for PHP using Saloon and Laravel Data",
+    "type": "library",
+    "license": "MIT",
+    "authors": [
+        {
+            "name": "apoloz",
+            "email": "anatoliy.poloz@gmail.com"
+        }
+    ],
+    "require": {
+        "php": "^8.2",
+        "saloonphp/saloon": "^3.0",
+        "saloonphp/laravel-plugin": "^3.0",
+        "saloonphp/pagination-plugin": "^2.0",
+        "spatie/laravel-data": "^4.0",
+        "guzzlehttp/guzzle": "^7.0",
+        "phpseclib/phpseclib": "^3.0"
+    },
+    "require-dev": {
+        "phpunit/phpunit": "^10.0",
+        "pestphp/pest": "^2.0",
+        "phpstan/phpstan": "^2.1"
+    },
+    "autoload": {
+        "psr-4": {
+            "Apoloz\\AlfaBank\\": "src/"
+        }
+    },
+    "extra": {
+        "laravel": {
+            "providers": [
+                "Apoloz\\AlfaBank\\Laravel\\AlfaBankServiceProvider"
+            ]
+        }
+    },
+    "minimum-stability": "stable",
+    "prefer-stable": true,
+    "scripts": {
+        "test": "vendor/bin/pest",
+        "test-coverage": "vendor/bin/pest --coverage"
+    },
+    "config": {
+        "allow-plugins": {
+            "pestphp/pest-plugin": true
+        }
     }
-  ],
-  "require": {
-    "php": "^8.2",
-    "saloonphp/saloon": "^3.0",
-    "spatie/laravel-data": "^4.0",
-    "guzzlehttp/guzzle": "^7.0",
-    "phpseclib/phpseclib": "^3.0"
-  },
-  "require-dev": {
-    "phpunit/phpunit": "^10.0",
-    "pestphp/pest": "^2.0"
-  },
-  "autoload": {
-    "psr-4": {
-      "Apoloz\\AlfaBank\\": "src/"
-    }
-  },
-  "extra": {
-    "laravel": {
-      "providers": [
-        "Apoloz\\AlfaBank\\Laravel\\AlfaBankServiceProvider"
-      ]
-    }
-  },
-  "minimum-stability": "stable",
-  "prefer-stable": true,
-  "scripts": {
-    "test": "vendor/bin/pest",
-    "test-coverage": "vendor/bin/pest --coverage"
-  }
 }
diff --git a/examples/01_baas_flow.php b/examples/01_baas_flow.php
new file mode 100644
index 0000000..ecf884b
--- /dev/null
+++ b/examples/01_baas_flow.php
@@ -0,0 +1,40 @@
+<?php
+
+require_once __DIR__ . '/../vendor/autoload.php';
+
+use Apoloz\AlfaBank\AlfaBank;
+use Apoloz\AlfaBank\Enums\Environment;
+
+// 1. Initialize
+// Ensure you have valid certificates for the Sandbox
+$baas = AlfaBank::baas(
+    certificatePath: __DIR__ . '/certs/client.cer',
+    privateKeyPath: __DIR__ . '/certs/private.key',
+    environment: Environment::SANDBOX,
+    caBundlePath: __DIR__ . '/certs/russian_trusted_sub_ca.crt' // Mincifry
+);
+
+try {
+    echo "Authenticating...\n";
+    $baas->login(
+        clientId: 'your-client-id',
+        clientSecret: 'your-client-secret'
+    );
+    echo "Authentication Successful!\n";
+
+    // 2. Create a Beneficiary (Counterparty)
+    echo "Creating Beneficiary...\n";
+    
+    // In a real app, use the DTOs
+    // $payload = new CreateBeneficiaryRequestData(...);
+    // $baas->send(new CreateBeneficiaryRequest($payload));
+    
+    echo "Beneficiary Request Sent (Mock).\n";
+
+} catch (\Exception $e) {
+    echo "Error: " . $e->getMessage() . "\n";
+    if ($e instanceof \Apoloz\AlfaBank\Exceptions\AlfaBankException) {
+        echo "API Code: " . $e->getErrorCode() . "\n";
+    }
+}
+
diff --git a/examples/02_sbp_qr.php b/examples/02_sbp_qr.php
new file mode 100644
index 0000000..3f5d099
--- /dev/null
+++ b/examples/02_sbp_qr.php
@@ -0,0 +1,45 @@
+<?php
+
+require_once __DIR__ . '/../vendor/autoload.php';
+
+use Apoloz\AlfaBank\AlfaBank;
+use Apoloz\AlfaBank\Enums\Environment;
+use Apoloz\AlfaBank\Sbp\Requests\GetQrCodeRequest;
+use Apoloz\AlfaBank\Sbp\Data\QrCodeRequestData;
+
+// 1. Initialize SBP
+$sbp = AlfaBank::sbp(
+    certificatePath: __DIR__ . '/certs/client.cer',
+    privateKeyPath: __DIR__ . '/certs/private.key',
+    keyNameAlias: 'my-alias', // Required for SBP signatures in some contexts
+    environment: Environment::SANDBOX
+);
+
+try {
+    echo "Generating Static QR Code...\n";
+
+    $payload = new QrCodeRequestData(
+        termNo: 'TEST_TERM_001',
+        qrcType: '01', // Static
+        amount: '15000', // 150.00 RUB
+        paymentPurpose: 'Test Payment'
+    );
+
+    $request = new GetQrCodeRequest($payload);
+    $response = $sbp->send($request);
+
+    if ($response->successful()) {
+        $qrData = $response->dto();
+        echo "QR Payload: " . $qrData->payload . "\n";
+        echo "QR Image URL: " . $qrData->image . "\n";
+    } else {
+        echo "Failed to generate QR.\n";
+    }
+
+    // Example of Pagination (if supported by SBP endpoints)
+    // $paginator = $sbp->paginate(new SomeSbpListRequest());
+    // foreach($paginator as $item) { ... }
+
+} catch (\Exception $e) {
+    echo "Error: " . $e->getMessage() . "\n";
+}
diff --git a/examples/03_sandbox_init.php b/examples/03_sandbox_init.php
new file mode 100644
index 0000000..b14004b
--- /dev/null
+++ b/examples/03_sandbox_init.php
@@ -0,0 +1,55 @@
+<?php
+
+require_once __DIR__ . '/../vendor/autoload.php';
+
+use Apoloz\AlfaBank\AlfaBank;
+use Apoloz\AlfaBank\Enums\Environment;
+
+/**
+ * This example shows how to initialize the SDK with the Sandbox files provided by the bank.
+ * 
+ * IMPORTANT: You must first convert the .pfx file to .pem format using OpenSSL:
+ * 
+ * 1. Extract signing key: 
+ *    openssl pkcs12 -in certificate_for_requests_sign_with_password_1234.pfx -nocerts -out signing_key.pem -nodes -password pass:1234
+ * 
+ * 2. Extract signing certificate:
+ *    openssl pkcs12 -in certificate_for_requests_sign_with_password_1234.pfx -clcerts -nokeys -out signing_cert.pem -password pass:1234
+ * 
+ * 3. Ensure transport certs are in PEM format if they aren't already.
+ */
+
+// --- 1. BaaS / Main API Initialization ---
+$baas = AlfaBank::baas(
+    // Transport (mTLS) - use the sandbox_cert/key files
+    certificatePath: __DIR__ . '/certs/sandbox_cert_2026.cer', 
+    privateKeyPath: __DIR__ . '/certs/sandbox_key_2026.key',
+    
+    // Signing (Business Logic) - use the extracted PEM files from PFX
+    signingCertificatePath: __DIR__ . '/certs/signing_cert.pem',
+    signingPrivateKeyPath: __DIR__ . '/certs/signing_key.pem',
+    
+    environment: Environment::SANDBOX,
+    caBundlePath: __DIR__ . '/certs/apica_2022_chain.cer' // Trust chain
+);
+
+echo "BaaS Connector Initialized.\n";
+
+
+// --- 2. SBP (Faster Payments) Initialization ---
+$sbp = AlfaBank::sbp(
+    // SBP usually uses its own mTLS pair found in the sbp_payout/mtls folder
+    certificatePath: __DIR__ . '/certs/sbp_payout/mtls/9728109955_test_mtls.crt',
+    privateKeyPath: __DIR__ . '/certs/sbp_payout/mtls/9728109955_test_mtls.key',
+    
+    // Terminal ID from terminal_num.txt
+    keyNameAlias: '9728109955', 
+    
+    environment: Environment::SANDBOX,
+    caBundlePath: __DIR__ . '/certs/sbp_payout/sandbox_root/root-ca-test.crt'
+);
+
+echo "SBP Connector Initialized.\n";
+
+// Now you can use $baas->login(...) or $sbp->send(...)
+
diff --git a/examples/04_nominal_accounts.php b/examples/04_nominal_accounts.php
new file mode 100644
index 0000000..01d28a1
--- /dev/null
+++ b/examples/04_nominal_accounts.php
@@ -0,0 +1,54 @@
+<?php
+
+require_once __DIR__ . '/../vendor/autoload.php';
+
+use Apoloz\AlfaBank\AlfaBank;
+use Apoloz\AlfaBank\Enums\Environment;
+use Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries\CreateBeneficiaryRequest;
+use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\CreateBeneficiaryRequestData;
+use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\AddressData;
+use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
+use Spatie\LaravelData\DataCollection;
+
+/**
+ * Example: Creating a Beneficiary for a Nominal Account.
+ * This flow requires a digital signature (CMS).
+ */
+
+$baas = AlfaBank::baas(
+    certificatePath: 'path/to/cert.pem',
+    privateKeyPath: 'path/to/key.pem',
+    environment: Environment::SANDBOX
+);
+
+// 1. Prepare beneficiary data
+$payload = new CreateBeneficiaryRequestData(
+    type: 'FL_RESIDENT',
+    countryOfTaxResidence: 'RU',
+    name: 'Ivanov Ivan Ivanovich',
+    inn: '771234567890',
+    addresses: AddressData::collect([
+        [
+            'type' => 'REGISTRATION_ADDRESS',
+            'address' => 'Moscow, Lenina st, 10',
+            'country' => 'RU'
+        ]
+    ], DataCollection::class),
+    digestSignatures: DigestSignatureData::collect([
+        [
+            'base64Encoded' => 'MOCK_SIGNATURE', // In real life, use CmsSigner::sign()
+            'signatureType' => 'cms'
+        ]
+    ], DataCollection::class)
+);
+
+// 2. Login and send request
+$baas->login('client-id', 'client-secret');
+$response = $baas->send(new CreateBeneficiaryRequest($payload));
+
+if ($response->successful()) {
+    $data = $response->dto(); // BeneficiaryResponseData
+    echo "Beneficiary creation accepted. ID: {$data->id}, Status: {$data->status}\n";
+} else {
+    echo "Error: " . $response->body() . "\n";
+}
diff --git a/examples/05_webhooks.php b/examples/05_webhooks.php
new file mode 100644
index 0000000..fdbbc5e
--- /dev/null
+++ b/examples/05_webhooks.php
@@ -0,0 +1,49 @@
+<?php
+
+require_once __DIR__ . '/../vendor/autoload.php';
+
+use Apoloz\AlfaBank\AlfaBank;
+use Apoloz\AlfaBank\Webhooks\WebhookFactory;
+use Apoloz\AlfaBank\Requests\Webhooks\GetWebhooksRequest;
+use Apoloz\AlfaBank\Requests\Webhooks\CreateWebhookRequest;
+use Apoloz\AlfaBank\Data\Webhooks\Subscriptions\WebhookSubscriptionRequestData;
+
+/**
+ * 1. Managing Webhooks (BaaS API)
+ */
+$baas = AlfaBank::baas('cert.pem', 'key.pem');
+$baas->login('id', 'secret');
+
+// List existing webhooks
+$response = $baas->send(new GetWebhooksRequest());
+$webhooks = $response->dto(); // DataCollection of WebhookSubscriptionData
+
+foreach ($webhooks as $webhook) {
+    echo "Webhook ID: {$webhook->id}, URL: {$webhook->callbackUri}\n";
+}
+
+// Create new webhook
+$data = new WebhookSubscriptionRequestData('https://your-app.com/webhooks/alfa', ['transactions']);
+$baas->send(new CreateWebhookRequest($data));
+
+/**
+ * 2. Parsing incoming webhook payload (Webhook Controller logic)
+ */
+$rawPayload = [
+    [
+        'actionType' => 'create',
+        'eventTime' => '2023-10-27T10:00:00Z',
+        'object' => 'ul_transaction_default',
+        'data' => [
+            'transactionId' => 'TX-12345',
+            'amount' => ['amount' => 100.50, 'currencyName' => 'RUR'],
+            'direction' => 'CREDIT',
+            'paymentPurpose' => 'Test payment'
+        ]
+    ]
+];
+
+// Use the factory to parse the payload into a DTO
+$webhookDto = WebhookFactory::create($rawPayload);
+
+echo "Received Webhook: {$webhookDto->object} ({$webhookDto->actionType})\n";
diff --git a/examples/06_sbp_b2c_payout.php b/examples/06_sbp_b2c_payout.php
new file mode 100644
index 0000000..8069264
--- /dev/null
+++ b/examples/06_sbp_b2c_payout.php
@@ -0,0 +1,46 @@
+<?php
+
+require_once __DIR__ . '/../vendor/autoload.php';
+
+use Apoloz\AlfaBank\AlfaBank;
+use Apoloz\AlfaBank\Requests\B2C\CreateB2CPaymentRequest;
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentRequestData;
+use Apoloz\AlfaBank\Data\B2C\B2CClientData;
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentRecipientData;
+use Spatie\LaravelData\DataCollection;
+
+/**
+ * Example: B2C Payout via SBP (Phone Number).
+ */
+
+$baas = AlfaBank::baas(
+    certificatePath: 'path/to/cert.pem',
+    privateKeyPath: 'path/to/key.pem'
+);
+
+$payload = new B2CPaymentRequestData(
+    client: new B2CClientData(b2cClientId: 'your-uuid', partnerId: 123),
+    inn: '7700000000',
+    account: '40702810...',
+    total: 100.00,
+    signedBody: 'BASE64_SIGNATURE_HERE', // Signature of the payments data
+    payments: B2CPaymentRecipientData::collect([
+        [
+            'phone' => '79001112233',
+            'amount' => 100.00,
+            'nspkBankId' => '100000000001',
+            'sequence' => 'unique-payout-id-1'
+        ]
+    ], DataCollection::class)
+);
+
+$baas->login('client-id', 'client-secret');
+$response = $baas->send(new CreateB2CPaymentRequest($payload));
+
+if ($response->successful()) {
+    $data = $response->dto(); // B2CPaymentResponseData
+    echo "Payout request sent. Status: {$data->status}\n";
+} else {
+    echo "Error: " . $response->body() . "\n";
+}
+
diff --git a/examples/07_registry_signing.php b/examples/07_registry_signing.php
new file mode 100644
index 0000000..9a135a0
--- /dev/null
+++ b/examples/07_registry_signing.php
@@ -0,0 +1,65 @@
+<?php
+
+require_once __DIR__ . '/../vendor/autoload.php';
+
+use Apoloz\AlfaBank\AlfaBank;
+use Apoloz\AlfaBank\Utils\CmsSigner;
+use Apoloz\AlfaBank\Requests\Registries\CreateRegistryRequest;
+use Apoloz\AlfaBank\Data\Registries\RegistryRequestData;
+use Apoloz\AlfaBank\Data\Registries\RegistryPaymentData;
+use Apoloz\AlfaBank\Requests\Registries\SignRegistryRequest;
+use Apoloz\AlfaBank\Data\Registries\RegistrySignatureData;
+use Spatie\LaravelData\DataCollection;
+
+/**
+ * Example: Creating and Signing a Payment Registry (Batch Payments).
+ */
+
+$baas = AlfaBank::baas(
+    certificatePath: 'path/to/cert.pem',
+    privateKeyPath: 'path/to/key.pem'
+);
+
+// 1. Create Registry
+$payload = new RegistryRequestData(
+    payments: RegistryPaymentData::collect([
+        [
+            'amount' => 500.0,
+            'date' => date('Y-m-d'),
+            'payeeAccount' => '40702...',
+            'payeeBankBic' => '044...',
+            'payeeInn' => '770...',
+            'payeeName' => 'Vendor 1',
+            'payerAccount' => '40702...',
+            'purpose' => 'Payment for goods'
+        ]
+    ], DataCollection::class)
+);
+
+$baas->login('client-id', 'client-secret');
+$response = $baas->send(new CreateRegistryRequest($payload));
+$registryId = $response->dto()->id;
+
+echo "Registry Created: $registryId\n";
+
+// 2. Sign Registry
+// In real life, you might need to sign the digest provided by the bank 
+// or the registry content itself. This depends on the specific bank requirement.
+$signature = CmsSigner::sign(
+    $registryId, // Example data
+    file_get_contents('path/to/sign_cert.pem'),
+    file_get_contents('path/to/sign_key.pem')
+);
+
+$signatures = RegistrySignatureData::collect([
+    [
+        'base64Encoded' => $signature,
+        'signatureType' => 'RSA',
+        'certificateUuid' => 'YOUR_CERT_UUID'
+    ]
+], DataCollection::class);
+
+$baas->send(new SignRegistryRequest($registryId, $signatures));
+
+echo "Registry Signed.\n";
+
diff --git a/phpstan.neon b/phpstan.neon
new file mode 100644
index 0000000..416924d
--- /dev/null
+++ b/phpstan.neon
@@ -0,0 +1,9 @@
+parameters:
+    level: 5
+    paths:
+        - src
+    excludePaths:
+        - src/Laravel
+        - src/Http/Pagination
+        - src/Traits/HasAlfaPagination.php
+    tmpDir: build/phpstan
diff --git a/src/AlfaBank.php b/src/AlfaBank.php
new file mode 100644
index 0000000..df7bb5e
--- /dev/null
+++ b/src/AlfaBank.php
@@ -0,0 +1,80 @@
+<?php
+/*
+// MODULE_CONTRACT: Provides a user-friendly, static factory for instantiating API connectors.
+// RESPONSIBILITY: To simplify the creation of `AlfaBankConnector` and `SbpConnector` instances by abstracting away the underlying DTO and service instantiation.
+// INPUTS: Certificate paths, environment, and other configuration primitives.
+// OUTPUTS: Fully configured Connector instances.
+// LINKS: Core/AlfaBankConnector.php, Sbp/SbpConnector.php
+*/
+
+namespace Apoloz\AlfaBank;
+
+// <SECTION name="module_imports" intent="Import all necessary connectors, services, and configuration objects.">
+// <BELIEF_STATE "The factory needs to know about the concrete classes it will instantiate, including the connectors, config DTOs, and any default services like the CMS signer.">
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Enums\Environment;
+use Apoloz\AlfaBank\Services\OpenSslCmsSigner;
+use Apoloz\AlfaBank\Sbp\SbpConnector;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define a static factory class to act as the primary entry point for the SDK.">
+// <BELIEF_STATE "A static factory provides a simple and clean entry point for users of the SDK. Instead of manually wiring up dependencies, they can call a simple method like `AlfaBank::baas(...)`, which improves developer experience.">
+class AlfaBank
+{
+    // <SECTION name="baas_connector_factory" intent="Create a fully configured connector for the Core Banking (BaaS) API.">
+    // <BELIEF_STATE "This static method encapsulates the business logic of creating a BaaS connector. It correctly instantiates the `AlfaConfig` DTO and the default `OpenSslCmsSigner`, hiding this complexity from the end-user.">
+    public static function baas(
+        string $certificatePath,
+        string $privateKeyPath,
+        Environment $environment = Environment::SANDBOX,
+        ?string $caBundlePath = null,
+        ?string $signingCertificatePath = null,
+        ?string $signingPrivateKeyPath = null
+    ): AlfaBankConnector {
+        $config = new AlfaConfig(
+            baseUrl: $environment->value,
+            certificatePath: $certificatePath,
+            privateKeyPath: $privateKeyPath,
+            caBundlePath: $caBundlePath,
+            signingCertificatePath: $signingCertificatePath,
+            signingPrivateKeyPath: $signingPrivateKeyPath
+        );
+
+        $signerCert = $signingCertificatePath ?: $certificatePath;
+        $signerKey = $signingPrivateKeyPath ?: $privateKeyPath;
+
+        $signer = new OpenSslCmsSigner($signerCert, $signerKey);
+
+        return new AlfaBankConnector($config, $signer);
+    }
+    // </SECTION>
+
+    // <SECTION name="sbp_connector_factory" intent="Create a fully configured connector for the Faster Payments (SBP) API.">
+    // <BELIEF_STATE "This method encapsulates the logic for creating an SBP connector. It correctly resolves the distinct SBP base URL based on the environment and passes the required SBP-specific parameters like `keyNameAlias`. This separation from the `baas` factory is crucial due to the different configuration requirements.">
+    public static function sbp(
+        string $certificatePath,
+        string $privateKeyPath,
+        string $keyNameAlias,
+        Environment $environment = Environment::SANDBOX,
+        ?string $caBundlePath = null,
+        ?string $signingCertificatePath = null,
+        ?string $signingPrivateKeyPath = null
+    ): SbpConnector {
+        $baseUrl = $environment === Environment::PRODUCTION 
+            ? Environment::SBP_PRODUCTION->value 
+            : Environment::SBP_SANDBOX->value;
+
+        $config = new AlfaConfig(
+            baseUrl: $baseUrl,
+            certificatePath: $certificatePath,
+            privateKeyPath: $privateKeyPath,
+            caBundlePath: $caBundlePath,
+            signingCertificatePath: $signingCertificatePath,
+            signingPrivateKeyPath: $signingPrivateKeyPath
+        );
+
+        return new SbpConnector($config, $keyNameAlias);
+    }
+    // </SECTION>
+}
\ No newline at end of file
diff --git a/src/Contracts/EncryptorInterface.php b/src/Contracts/EncryptorInterface.php
new file mode 100644
index 0000000..1d9f54d
--- /dev/null
+++ b/src/Contracts/EncryptorInterface.php
@@ -0,0 +1,8 @@
+<?php
+
+namespace Apoloz\AlfaBank\Contracts;
+
+interface EncryptorInterface
+{
+    public function encrypt(string $data): string;
+}
diff --git a/src/Contracts/SecurityContracts.php b/src/Contracts/SecurityContracts.php
new file mode 100644
index 0000000..4d01419
--- /dev/null
+++ b/src/Contracts/SecurityContracts.php
@@ -0,0 +1,26 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines the abstract contracts (interfaces) for all security-related operations.
+// RESPONSIBILITY: To establish a common, swappable interface for different signing and encryption implementations, enabling Inversion of Control.
+// INPUTS: N/A (Defines interfaces, does not take inputs).
+// OUTPUTS: N/A (Defines interfaces, does not produce outputs).
+// LINKS: Laravel/AlfaBankServiceProvider.php (where these contracts are bound to implementations)
+*/
+
+namespace Apoloz\AlfaBank\Contracts;
+
+// <SECTION name="signer_interface" intent="Define a contract for any service that can generate a digital signature.">
+// <BELIEF_STATE "Defining a `SignerInterface` is a core principle of SOLID design. It allows high-level code (like connectors) to depend on an abstraction, not a concrete implementation. This makes it possible to swap out the signing logic (e.g., from OpenSSL to a hardware security module) without changing any code that *uses* the signer.">
+interface SignerInterface
+{
+    public function sign(string $data): string;
+}
+// </SECTION>
+
+// <SECTION name="encryptor_interface" intent="Define a contract for any service that can perform data encryption.">
+// <BELIEF_STATE "Similar to the SignerInterface, this contract decouples the concept of encryption from its specific implementation (e.g., phpseclib, OpenSSL). This promotes flexibility and testability, as mock encryptors can be easily injected during tests.">
+interface EncryptorInterface
+{
+    public function encrypt(string $data): string;
+}
+// </SECTION>
diff --git a/src/Contracts/SignerInterface.php b/src/Contracts/SignerInterface.php
new file mode 100644
index 0000000..444ea18
--- /dev/null
+++ b/src/Contracts/SignerInterface.php
@@ -0,0 +1,8 @@
+<?php
+
+namespace Apoloz\AlfaBank\Contracts;
+
+interface SignerInterface
+{
+    public function sign(string $data): string;
+}
diff --git a/src/Core/AlfaBankConnector.php b/src/Core/AlfaBankConnector.php
new file mode 100644
index 0000000..5b6d1a9
--- /dev/null
+++ b/src/Core/AlfaBankConnector.php
@@ -0,0 +1,130 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines the primary transport layer for the Alfa Bank BaaS API.
+// RESPONSIBILITY: To manage mTLS configuration, authentication state, retries, and middleware for all BaaS API interactions.
+// INPUTS: AlfaConfig (DTO), SignerInterface (service).
+// OUTPUTS: An authenticated Saloon Connector instance capable of sending requests.
+// NOTES: 
+// - Supports separate keys for Transport (mTLS) and Signing (JWS/CMS).
+// - Uses `login` method for OAuth 2.0 Client Credentials flow.
+// - Compatible with Saloon v3.
+// LINKS: AlfaBankServiceProvider.php#bind_connector
+*/
+
+namespace Apoloz\AlfaBank\Core;
+
+// <SECTION name="module_imports" intent="Import necessary contracts, services, and base framework components for the connector's operation.">
+// <BELIEF_STATE "Saloon's plugin architecture requires importing traits for features like retries and timeouts. Local contracts (SignerInterface) are imported for dependency injection.">
+use Apoloz\AlfaBank\Contracts\SignerInterface;
+use Apoloz\AlfaBank\Http\Middleware\AlfaResponseMiddleware;
+use Apoloz\AlfaBank\Http\Middleware\RequestIdMiddleware;
+use Apoloz\AlfaBank\Http\Pagination\AlfaOffsetPaginator;
+use Apoloz\AlfaBank\Requests\Auth\GetTokenRequest;
+use Saloon\Http\Connector;
+use Saloon\Http\Request;
+use Saloon\PaginationPlugin\Contracts\HasPagination;
+use Saloon\PaginationPlugin\OffsetPaginator;
+use Saloon\Traits\RequestProperties\HasTries;
+use Saloon\Traits\Plugins\HasTimeout;
+
+class AlfaBankConnector extends Connector implements HasPagination
+{
+    use HasTimeout;
+    use HasTries;
+
+    public function __construct(
+        protected AlfaConfig $alfaConfig,
+        protected ?SignerInterface $signer = null
+    ) {
+        $this->tries = 3;
+        $this->retryInterval = 500;
+    }
+
+    public function resolveBaseUrl(): string
+    {
+        return $this->alfaConfig->baseUrl;
+    }
+
+    protected function defaultConfig(): array
+    {
+        $config = [
+            'cert' => $this->alfaConfig->certificatePath,
+            'ssl_key' => $this->alfaConfig->privateKeyPath,
+            'verify' => true,
+        ];
+
+        if ($this->alfaConfig->caBundlePath) {
+            $config['verify'] = $this->alfaConfig->caBundlePath;
+        }
+
+        return $config;
+    }
+
+    protected function defaultMiddleware(): array
+    {
+        return [];
+    }
+
+    public function boot(\Saloon\Http\PendingRequest $pendingRequest): void
+    {
+        $pendingRequest->middleware()->onResponse(new AlfaResponseMiddleware());
+        $pendingRequest->middleware()->onRequest(new RequestIdMiddleware());
+    }
+
+    public function paginate(Request $request): OffsetPaginator
+    {
+        return new AlfaOffsetPaginator($this, $request);
+    }
+
+    public function login(?string $clientId = null, ?string $clientSecret = null): static
+    {
+        // Allow overriding config via method arguments
+        $clientId = $clientId ?? $this->alfaConfig->clientId;
+        $clientSecret = $clientSecret ?? $this->alfaConfig->clientSecret;
+
+        if (!$clientId || !$clientSecret) {
+             throw new \RuntimeException("Client ID/Secret not configured.");
+        }
+
+        $request = new GetTokenRequest(
+            clientId: $clientId,
+            clientSecret: $clientSecret,
+            grantType: 'client_credentials'
+        );
+
+        // Send request (using self to reuse cert/ssl config)
+        // We temporarily disable auth middleware if we had any, 
+        // but here we are raw, so it's fine.
+        $response = $this->send($request);
+        $data = $response->dto();
+
+        $this->authenticate(new \Saloon\Http\Auth\TokenAuthenticator($data->access_token));
+        
+        return $this;
+    }
+    // </SECTION>
+    
+    // <SECTION name="signer_accessor" intent="Provide access to the configured signing service for requests that require a digital signature.">
+    // <BELIEF_STATE "Requests should not instantiate their own signing logic. The connector acts as a service locator, providing the globally-configured Signer service. This ensures that all signatures are generated consistently.">
+    public function getSigner(): SignerInterface
+    {
+        if (!$this->signer) {
+            throw new \RuntimeException("No signer configured for this connector.");
+        }
+        return $this->signer;
+    }
+    // </SECTION>
+
+    // <SECTION name="logging_mutator" intent="Allow attaching a PSR-3 logger to the connector for debugging.">
+    // <BELIEF_STATE "Logging should be an optional, opt-in feature. This method provides a fluent interface to attach a logging middleware, which will automatically sanitize sensitive data before output.">
+    public function withLogging(\Psr\Log\LoggerInterface $logger): static
+    {
+        $middleware = new \Apoloz\AlfaBank\Http\Middleware\LoggingMiddleware($logger);
+        
+        $this->middleware()->onRequest([$middleware, 'onRequest']);
+        $this->middleware()->onResponse([$middleware, 'onResponse']);
+        
+        return $this;
+    }
+    // </SECTION>
+}
\ No newline at end of file
diff --git a/src/Core/AlfaConfig.php b/src/Core/AlfaConfig.php
new file mode 100644
index 0000000..460264a
--- /dev/null
+++ b/src/Core/AlfaConfig.php
@@ -0,0 +1,54 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines a strongly-typed, immutable Data Transfer Object (DTO) for all connector configurations.
+// RESPONSIBILITY: To hold and validate critical configuration parameters like certificate paths and API credentials.
+// INPUTS: Configuration primitives (strings for paths, URLs, credentials).
+// OUTPUTS: A validated, read-only configuration object.
+// NOTES:
+// - Stores both Transport keys (mTLS) and optional Signing keys (JWS/CMS).
+// - Validates file existence upon instantiation.
+// LINKS: AlfaBankConnector.php, SbpConnector.php
+*/
+
+namespace Apoloz\AlfaBank\Core;
+
+// <SECTION name="class_definition" intent="Define an immutable DTO for connector configuration.">
+// <BELIEF_STATE "Using a `readonly` class for configuration is a best practice. It prevents accidental modification of the configuration after instantiation, ensuring that the connector's behavior remains consistent throughout its lifecycle. This pattern is superior to passing around raw arrays.">
+readonly class AlfaConfig
+{
+    // <SECTION name="constructor" intent="Inject and validate all configuration properties upon creation.">
+    // <BELIEF_STATE "The constructor acts as a validation gate. By checking for the existence of certificate and key files here, we enforce a fail-fast policy. It's better to throw an exception immediately upon configuration creation than to fail unexpectedly during an API call later.">
+    public function __construct(
+        // <BELIEF_STATE "The base URL for the API endpoint.">
+        public string $baseUrl,
+        // <BELIEF_STATE "The file system path to the client's mTLS certificate.">
+        public string $certificatePath,
+        // <BELIEF_STATE "The file system path to the client's mTLS private key.">
+        public string $privateKeyPath,
+        // <BELIEF_STATE "Optional: The path to a custom Certificate Authority bundle, required for some environments (e.g., Russian Trusted CA).">
+        public ?string $caBundlePath = null,
+        // <BELIEF_STATE "Optional: The OAuth client ID, required for token-based authentication.">
+        public ?string $clientId = null,
+        // <BELIEF_STATE "Optional: The OAuth client secret, required for token-based authentication.">
+        public ?string $clientSecret = null,
+        // <BELIEF_STATE "Optional: Path to the certificate used specifically for signing requests (JWS/CMS), if different from the transport certificate.">
+        public ?string $signingCertificatePath = null,
+        // <BELIEF_STATE "Optional: Path to the private key used specifically for signing requests (JWS/CMS), if different from the transport key.">
+        public ?string $signingPrivateKeyPath = null,
+    ) {
+        // <BELIEF_STATE "This runtime check ensures that the provided certificate and key paths are not just valid strings, but point to actual, accessible files on the filesystem. This prevents configuration errors that would otherwise only surface during an HTTP request.">
+        if (!file_exists($this->certificatePath)) {
+            throw new \InvalidArgumentException("Certificate not found: {$this->certificatePath}");
+        }
+        if (!file_exists($this->privateKeyPath)) {
+            throw new \InvalidArgumentException("Private key not found: {$this->privateKeyPath}");
+        }
+        if ($this->signingCertificatePath && !file_exists($this->signingCertificatePath)) {
+             throw new \InvalidArgumentException("Signing certificate not found: {$this->signingCertificatePath}");
+        }
+        if ($this->signingPrivateKeyPath && !file_exists($this->signingPrivateKeyPath)) {
+             throw new \InvalidArgumentException("Signing private key not found: {$this->signingPrivateKeyPath}");
+        }
+    }
+    // </SECTION>
+}
diff --git a/src/Data/Accounts/AccountData.php b/src/Data/Accounts/AccountData.php
new file mode 100644
index 0000000..85c4f8c
--- /dev/null
+++ b/src/Data/Accounts/AccountData.php
@@ -0,0 +1,16 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Accounts;
+
+use Spatie\LaravelData\Data;
+
+class AccountData extends Data
+{
+    public function __construct(
+        public string $number,
+        public string $dateCreated,
+        public string $type,
+        public ?string $mnemonic = null,
+        public ?array $balance = null, // Can be refined later with BalanceData
+    ) {}
+}
diff --git a/src/Data/Aff/AffRegisterData.php b/src/Data/Aff/AffRegisterData.php
new file mode 100644
index 0000000..e40e5a5
--- /dev/null
+++ b/src/Data/Aff/AffRegisterData.php
@@ -0,0 +1,12 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Aff;
+
+use Spatie\LaravelData\Data;
+
+class AffRegisterData extends Data
+{
+    public function __construct(
+        public array $payments = [],
+    ) {}
+}
diff --git a/src/Data/Aff/AffResponseData.php b/src/Data/Aff/AffResponseData.php
new file mode 100644
index 0000000..7508a3b
--- /dev/null
+++ b/src/Data/Aff/AffResponseData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Aff;
+
+use Spatie\LaravelData\Data;
+
+class AffResponseData extends Data
+{
+    public function __construct(
+        public ?string $id = null,
+        public ?string $status = null,
+    ) {}
+}
diff --git a/src/Data/Aff/AffSignData.php b/src/Data/Aff/AffSignData.php
new file mode 100644
index 0000000..021293d
--- /dev/null
+++ b/src/Data/Aff/AffSignData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Aff;
+
+use Spatie\LaravelData\Data;
+
+class AffSignData extends Data
+{
+    public function __construct(
+        public string $registerId,
+        public string $signature,
+    ) {}
+}
diff --git a/src/Data/Auth/ClientSecretData.php b/src/Data/Auth/ClientSecretData.php
new file mode 100644
index 0000000..0ec8113
--- /dev/null
+++ b/src/Data/Auth/ClientSecretData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Auth;
+
+use Spatie\LaravelData\Data;
+
+class ClientSecretData extends Data
+{
+    public function __construct(
+        public string $clientSecret,
+        public ?string $expiresAt = null,
+    ) {}
+}
diff --git a/src/Data/Auth/TokenData.php b/src/Data/Auth/TokenData.php
index 46e9d60..bba0a63 100644
--- a/src/Data/Auth/TokenData.php
+++ b/src/Data/Auth/TokenData.php
@@ -1,16 +1,31 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an OAuth 2.0 token response.
+// RESPONSIBILITY: To hold and type-safely represent the access token, refresh token, ID token, expiry, and token type returned by the OAuth provider.
+// INPUTS: Raw JSON object from the token endpoint response.
+// OUTPUTS: A structured object containing token information.
+// LINKS: Requests/Auth/GetTokenRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\Auth;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for OAuth 2.0 token responses.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for handling sensitive token data, ensuring consistency and preventing errors when accessing token properties.">
 class TokenData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of an OAuth token response.">
+    // <BELIEF_STATE "The constructor includes mandatory fields like `access_token`, `refresh_token`, `expires_in`, and `token_type` as per OAuth 2.0. The `id_token` is optional and specific to OpenID Connect.">
     public function __construct(
         public string $access_token,
         public string $refresh_token,
-        public ?string $id_token,
+        public ?string $id_token, // Specific to OpenID Connect
         public int $expires_in,
         public string $token_type
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/Auth/UserInfo/ClientConsentCollectionData.php b/src/Data/Auth/UserInfo/ClientConsentCollectionData.php
index a0d3ceb..f5af245 100644
--- a/src/Data/Auth/UserInfo/ClientConsentCollectionData.php
+++ b/src/Data/Auth/UserInfo/ClientConsentCollectionData.php
@@ -1,17 +1,32 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a paginated collection of client consent records.
+// RESPONSIBILITY: To provide a structured, type-safe container for lists of client consents returned by the API, including pagination metadata.
+// INPUTS: Raw JSON array from the API response.
+// OUTPUTS: An object containing pagination details and a collection of `ClientConsentData`.
+// LINKS: Requests/Auth/UserInfo/GetClientConsentsRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\Auth\UserInfo;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This collection DTO relies on `PaginationData` for metadata and `ClientConsentData` for the individual items. `DataCollection` and `DataCollectionOf` are Spatie Data features for handling typed arrays of DTOs.">
 use Apoloz\AlfaBank\Data\PaginationData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a collection of client consents.">
+// <BELIEF_STATE "A dedicated DTO for a collection ensures that the structure of paginated lists is consistent and type-safe, providing a reliable contract for consumers to manage client consents.">
 class ClientConsentCollectionData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the client consent collection.">
+    // <BELIEF_STATE "The collection structure includes pagination metadata (`pagination`) and the actual list of consent items (`items`). The `#[DataCollectionOf(ClientConsentData::class)]` attribute is crucial for ensuring that each item in the `items` array is automatically cast to a `ClientConsentData` DTO.">
     public function __construct(
         public PaginationData $pagination,
         #[DataCollectionOf(ClientConsentData::class)]
         public DataCollection $items
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/Auth/UserInfo/ClientConsentData.php b/src/Data/Auth/UserInfo/ClientConsentData.php
index 3ec8311..fc7366b 100644
--- a/src/Data/Auth/UserInfo/ClientConsentData.php
+++ b/src/Data/Auth/UserInfo/ClientConsentData.php
@@ -1,14 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single client consent record.
+// RESPONSIBILITY: To hold and type-safely represent the details of a user's consent given to a client application.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing client consent information.
+// LINKS: ClientConsentCollectionData.php
+*/
 
 namespace Apoloz\AlfaBank\Data\Auth\UserInfo;
 
-use Apoloz\AlfaBank\Data\PaginationData;
-use Spatie\LaravelData\Attributes\DataCollectionOf;
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO represents a single consent entry. The `PaginationData` import here is likely due to prior usage or template, but not directly used within this single DTO.">
+use Apoloz\AlfaBank\Data\PaginationData; // This import is likely extraneous for a single DTO, but kept for context consistency.
+use Spatie\LaravelData\Attributes\DataCollectionOf; // This is also likely extraneous for a single DTO.
 use Spatie\LaravelData\Data;
-use Spatie\LaravelData\DataCollection;
+use Spatie\LaravelData\DataCollection; // This is also likely extraneous for a single DTO.
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a single client consent.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for an individual consent record, which is crucial for managing access permissions within an OAuth/OIDC system.">
 class ClientConsentData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a client consent record.">
+    // <BELIEF_STATE "The constructor includes key information such as `createDateTime`, `sub` (subject ID), `clientId`, `isActive` status, and `expireDate`. The `organizationIdHash` provides additional context. These fields define the scope and validity of the consent.">
     public function __construct(
         public string $createDateTime,
         public string $sub,
@@ -17,4 +31,5 @@ class ClientConsentData extends Data
         public string $expireDate,
         public ?string $organizationIdHash = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/Auth/UserInfo/UserInfoData.php b/src/Data/Auth/UserInfo/UserInfoData.php
index 2ca8a65..ea326fc 100644
--- a/src/Data/Auth/UserInfo/UserInfoData.php
+++ b/src/Data/Auth/UserInfo/UserInfoData.php
@@ -1,15 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for OpenID Connect UserInfo claims.
+// RESPONSIBILITY: To hold and type-safely represent details about the authenticated end-user.
+// INPUTS: Raw JSON object (typically from a JWT payload) from the UserInfo endpoint.
+// OUTPUTS: A structured object containing user claims.
+// LINKS: Requests/Auth/UserInfo/GetUserInfoRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\Auth\UserInfo;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for OpenID Connect UserInfo claims.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for handling user claims returned by the OIDC UserInfo endpoint, ensuring consistent access to user attributes.">
 class UserInfoData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the standard and extended properties (claims) for user information.">
+    // <BELIEF_STATE "The constructor includes `sub` (subject identifier) as mandatory. Many other fields are optional and represent common OIDC claims like `name`, `email`, `birthdate`, `phone_number`, and `inn`. These claims provide rich detail about the end-user.">
     public function __construct(
         public string $sub,
-        public ?string $iss = null,
-        public ?string $aud = null,
+        public ?string $iss = null, // Issuer
+        public ?string $aud = null, // Audience
         public ?string $name = null,
         public ?string $given_name = null,
         public ?string $family_name = null,
@@ -18,7 +32,8 @@ class UserInfoData extends Data
         public ?string $gender = null,
         public ?string $birthdate = null,
         public ?string $phone_number = null,
-        public ?string $inn = null,
+        public ?string $inn = null, // Individual Taxpayer Number (Russia)
         // Add more claims as needed based on the response
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/B2B_1C/MerchantData.php b/src/Data/B2B_1C/MerchantData.php
new file mode 100644
index 0000000..59c748b
--- /dev/null
+++ b/src/Data/B2B_1C/MerchantData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\B2B_1C;
+
+use Spatie\LaravelData\Data;
+
+class MerchantData extends Data
+{
+    public function __construct(
+        public string $merchantId,
+        public string $name,
+        public ?string $status = null,
+    ) {}
+}
diff --git a/src/Data/B2B_1C/Payment1CData.php b/src/Data/B2B_1C/Payment1CData.php
new file mode 100644
index 0000000..933bae3
--- /dev/null
+++ b/src/Data/B2B_1C/Payment1CData.php
@@ -0,0 +1,15 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\B2B_1C;
+
+use Spatie\LaravelData\Data;
+
+class Payment1CData extends Data
+{
+    public function __construct(
+        public string $paymentId,
+        public float $amount,
+        public string $currency,
+        public string $status,
+    ) {}
+}
diff --git a/src/Data/B2B_1C/PaymentLinkData.php b/src/Data/B2B_1C/PaymentLinkData.php
new file mode 100644
index 0000000..7cfa686
--- /dev/null
+++ b/src/Data/B2B_1C/PaymentLinkData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\B2B_1C;
+
+use Spatie\LaravelData\Data;
+
+class PaymentLinkData extends Data
+{
+    public function __construct(
+        public string $qrId,
+        public string $payload,
+        public ?string $imageUrl = null,
+    ) {}
+}
diff --git a/src/Data/B2C/B2CClientData.php b/src/Data/B2C/B2CClientData.php
new file mode 100644
index 0000000..fcfec73
--- /dev/null
+++ b/src/Data/B2C/B2CClientData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\B2C;
+
+use Spatie\LaravelData\Data;
+
+class B2CClientData extends Data
+{
+    public function __construct(
+        public string $b2cClientId,
+        public int $partnerId,
+    ) {}
+}
diff --git a/src/Data/B2C/B2CPaymentRecipientData.php b/src/Data/B2C/B2CPaymentRecipientData.php
new file mode 100644
index 0000000..653d5cc
--- /dev/null
+++ b/src/Data/B2C/B2CPaymentRecipientData.php
@@ -0,0 +1,17 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\B2C;
+
+use Spatie\LaravelData\Data;
+
+class B2CPaymentRecipientData extends Data
+{
+    public function __construct(
+        public string $phone,
+        public float $amount,
+        public string $nspkBankId,
+        public string $sequence,
+        public ?array $name = null, // ['first' => '...', 'last' => '...', 'middle' => '...']
+        public ?string $paymentDescription = null,
+    ) {}
+}
diff --git a/src/Data/B2C/B2CPaymentRequestData.php b/src/Data/B2C/B2CPaymentRequestData.php
new file mode 100644
index 0000000..4884efb
--- /dev/null
+++ b/src/Data/B2C/B2CPaymentRequestData.php
@@ -0,0 +1,21 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\B2C;
+
+use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
+use Spatie\LaravelData\DataCollection;
+
+class B2CPaymentRequestData extends Data
+{
+    public function __construct(
+        public B2CClientData $client,
+        public string $inn,
+        public string $account,
+        public float $total,
+        public string $signedBody,
+        #[DataCollectionOf(B2CPaymentRecipientData::class)]
+        public DataCollection $payments,
+        public bool $nameCheck = true,
+    ) {}
+}
diff --git a/src/Data/B2C/B2CPaymentResponseData.php b/src/Data/B2C/B2CPaymentResponseData.php
new file mode 100644
index 0000000..e1c969e
--- /dev/null
+++ b/src/Data/B2C/B2CPaymentResponseData.php
@@ -0,0 +1,22 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\B2C;
+
+use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
+use Spatie\LaravelData\DataCollection;
+
+class B2CPaymentResponseData extends Data
+{
+    public function __construct(
+        public string $status,
+        public ?string $transactionId = null,
+    ) {}
+}
+
+class B2CPaymentReportData extends Data
+{
+    public function __construct(
+        public array $payments = [],
+    ) {}
+}
diff --git a/src/Data/Bonus/BonusNumberData.php b/src/Data/Bonus/BonusNumberData.php
new file mode 100644
index 0000000..84e8ebd
--- /dev/null
+++ b/src/Data/Bonus/BonusNumberData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Bonus;
+
+use Spatie\LaravelData\Data;
+
+class BonusNumberData extends Data
+{
+    public function __construct(
+        public string $cardNumber,
+        public string $bonusType,
+    ) {}
+}
diff --git a/src/Data/Cards/CardData.php b/src/Data/Cards/CardData.php
new file mode 100644
index 0000000..1ab46c6
--- /dev/null
+++ b/src/Data/Cards/CardData.php
@@ -0,0 +1,19 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Cards;
+
+use Spatie\LaravelData\Data;
+
+class CardData extends Data
+{
+    public function __construct(
+        public string $cardId,
+        public string $maskedNumber,
+        public string $status,
+        public ?string $expirationDate = null,
+        public ?string $paymentSystem = null,
+        public ?string $title = null,
+        public ?bool $isVirtual = null,
+        public ?bool $isActive = null,
+    ) {}
+}
diff --git a/src/Data/Claims/ClaimResolvedData.php b/src/Data/Claims/ClaimResolvedData.php
new file mode 100644
index 0000000..e669d0d
--- /dev/null
+++ b/src/Data/Claims/ClaimResolvedData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Claims;
+
+use Spatie\LaravelData\Data;
+
+class ClaimResolvedData extends Data
+{
+    public function __construct(
+        public string $status,
+        public ?string $comment = null,
+    ) {}
+}
diff --git a/src/Data/CloudSignature/CloudSignatureResponseData.php b/src/Data/CloudSignature/CloudSignatureResponseData.php
new file mode 100644
index 0000000..029af9b
--- /dev/null
+++ b/src/Data/CloudSignature/CloudSignatureResponseData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\CloudSignature;
+
+use Spatie\LaravelData\Data;
+
+class CloudSignatureResponseData extends Data
+{
+    public function __construct(
+        public string $id,
+        public ?string $type = null,
+        public ?string $status = null,
+    ) {}
+}
diff --git a/src/Data/CloudSignature/UserDnData.php b/src/Data/CloudSignature/UserDnData.php
new file mode 100644
index 0000000..2719cf4
--- /dev/null
+++ b/src/Data/CloudSignature/UserDnData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\CloudSignature;
+
+use Spatie\LaravelData\Data;
+
+class UserDnData extends Data
+{
+    public function __construct(
+        public string $dn,
+        public ?string $commonName = null,
+        public ?string $organization = null,
+    ) {}
+}
diff --git a/src/Data/Compliance/UserComplianceData.php b/src/Data/Compliance/UserComplianceData.php
new file mode 100644
index 0000000..9e8fe7d
--- /dev/null
+++ b/src/Data/Compliance/UserComplianceData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Compliance;
+
+use Spatie\LaravelData\Data;
+
+class UserComplianceData extends Data
+{
+    public function __construct(
+        public bool $isCompliant,
+        public ?int $score = null,
+    ) {}
+}
diff --git a/src/Data/Crypto/CertificateData.php b/src/Data/Crypto/CertificateData.php
index fd3a17d..503245d 100644
--- a/src/Data/Crypto/CertificateData.php
+++ b/src/Data/Crypto/CertificateData.php
@@ -8,16 +8,8 @@ class CertificateData extends Data
 {
     public function __construct(
         public string $id,
-        public string $clientId,
-        public string $ownerName,
-        public string $fingerprint,
-        public string $beginDateTime,
-        public string $expireDateTime,
-        public string $certificateBody,
         public string $type,
-        public string $algorithm,
-        public string $serialNumber,
-        public ?string $organizationName = null,
-        public ?string $status = null,
+        public string $status,
+        public ?string $thumbprint = null,
     ) {}
-}
+}
\ No newline at end of file
diff --git a/src/Data/CustomerInfo/CustomerInfoData.php b/src/Data/CustomerInfo/CustomerInfoData.php
new file mode 100644
index 0000000..be218e6
--- /dev/null
+++ b/src/Data/CustomerInfo/CustomerInfoData.php
@@ -0,0 +1,22 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\CustomerInfo;
+
+use Spatie\LaravelData\Data;
+
+class CustomerInfoData extends Data
+{
+    public function __construct(
+        public string $organizationId,
+        public string $fullName,
+        public string $shortName,
+        public string $inn,
+        public array $kpps,
+        public string $ogrn,
+        public ?string $okpo = null,
+        public ?string $registrationDate = null,
+        public ?string $phone = null,
+        public ?string $email = null,
+        public ?string $status = null,
+    ) {}
+}
diff --git a/src/Data/DFA/DfaInitialPlacementData.php b/src/Data/DFA/DfaInitialPlacementData.php
new file mode 100644
index 0000000..7f3acda
--- /dev/null
+++ b/src/Data/DFA/DfaInitialPlacementData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\DFA;
+
+use Spatie\LaravelData\Data;
+
+class DfaInitialPlacementData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $title,
+        public ?string $description = null,
+    ) {}
+}
diff --git a/src/Data/DebitCards/DebitCardApplicationData.php b/src/Data/DebitCards/DebitCardApplicationData.php
new file mode 100644
index 0000000..38e06f4
--- /dev/null
+++ b/src/Data/DebitCards/DebitCardApplicationData.php
@@ -0,0 +1,21 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\DebitCards;
+
+use Spatie\LaravelData\Data;
+
+class DebitCardApplicationData extends Data
+{
+    public function __construct(
+        public string $embossingName,
+        public string $firstName,
+        public string $lastName,
+        public string $middleName,
+        public string $mobilePhone,
+        public string $passportBirthDate,
+        public string $sex, // 'f' or 'm'
+        public bool $sopdConfirmed,
+        public ?string $email = null,
+        public ?string $previousFormId = null,
+    ) {}
+}
diff --git a/src/Data/DebitCards/DebitCardApplicationResponseData.php b/src/Data/DebitCards/DebitCardApplicationResponseData.php
new file mode 100644
index 0000000..7c67554
--- /dev/null
+++ b/src/Data/DebitCards/DebitCardApplicationResponseData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\DebitCards;
+
+use Spatie\LaravelData\Data;
+
+class DebitCardApplicationResponseData extends Data
+{
+    public function __construct(
+        public string $formId,
+        public string $status,
+    ) {}
+}
diff --git a/src/Data/Escrow/EscrowOrderData.php b/src/Data/Escrow/EscrowOrderData.php
new file mode 100644
index 0000000..b5a5923
--- /dev/null
+++ b/src/Data/Escrow/EscrowOrderData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Escrow;
+
+use Spatie\LaravelData\Data;
+
+class EscrowOrderData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $status,
+        public ?string $date = null,
+    ) {}
+}
diff --git a/src/Data/Escrow/EscrowProjectData.php b/src/Data/Escrow/EscrowProjectData.php
new file mode 100644
index 0000000..f7a833f
--- /dev/null
+++ b/src/Data/Escrow/EscrowProjectData.php
@@ -0,0 +1,18 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Escrow;
+
+use Spatie\LaravelData\Data;
+
+class EscrowProjectData extends Data
+{
+    public function __construct(
+        public string $projectNumber,
+        public string $commercialName,
+        public ?string $buildingPermitNumber = null,
+        public ?string $regionCode = null,
+        public ?string $settlement = null,
+        public ?string $city = null,
+        public ?string $area = null,
+    ) {}
+}
diff --git a/src/Data/FileExchange/DownloadFileResponseData.php b/src/Data/FileExchange/DownloadFileResponseData.php
index 03c50e4..aa4024a 100644
--- a/src/Data/FileExchange/DownloadFileResponseData.php
+++ b/src/Data/FileExchange/DownloadFileResponseData.php
@@ -1,15 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a file download request.
+// RESPONSIBILITY: To hold and type-safely represent the links necessary to perform a file download.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: An object containing a collection of file download links.
+// LINKS: Requests/FileExchange/DownloadFileRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\FileExchange;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO represents a collection of `FileLinkData` objects, so `DataCollectionOf` is used for type safety.">
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for file download response data.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for handling file download instructions, ensuring that the process of retrieving files is well-defined.">
 class DownloadFileResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the file download response.">
+    // <BELIEF_STATE "The response primarily contains a `downloadFileLinks` property, which is a collection of `FileLinkData` objects, each detailing how to access a part of the file or its signature.">
     public function __construct(
         #[DataCollectionOf(FileLinkData::class)]
         public DataCollection $downloadFileLinks,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/FileExchange/FileLinkData.php b/src/Data/FileExchange/FileLinkData.php
index b47a74e..125d465 100644
--- a/src/Data/FileExchange/FileLinkData.php
+++ b/src/Data/FileExchange/FileLinkData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single file link, typically for upload or download.
+// RESPONSIBILITY: To hold and type-safely represent the URL, HTTP method, and optional detached signature link for file operations.
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing file link details.
+// LINKS: DownloadFileResponseData.php, UploadFileResponseData.php
+*/
 
 namespace Apoloz\AlfaBank\Data\FileExchange;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for file link details.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for representing file access points, crucial for orchestrating multi-step file exchange processes.">
 class FileLinkData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a file link.">
+    // <BELIEF_STATE "The constructor includes the `url` for access, the `method` (e.g., GET, PUT) to use with the URL, and an optional `detachedSignatureLink` for cases where a signature file might be fetched separately.">
     public function __construct(
         public string $url,
         public string $method,
-        public ?FileLinkData $detachedSignatureLink = null,
+        public ?FileLinkData $detachedSignatureLink = null, // Nested link for signatures
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/FileExchange/UploadFileResponseData.php b/src/Data/FileExchange/UploadFileResponseData.php
index 9068cf8..b293586 100644
--- a/src/Data/FileExchange/UploadFileResponseData.php
+++ b/src/Data/FileExchange/UploadFileResponseData.php
@@ -1,15 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a file upload request.
+// RESPONSIBILITY: To hold and type-safely represent the links necessary to perform a file upload.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: An object containing a collection of file upload links.
+// LINKS: Requests/FileExchange/UploadFileRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\FileExchange;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO represents a collection of `FileLinkData` objects, so `DataCollectionOf` is used for type safety.">
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for file upload response data.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for handling file upload instructions, ensuring that the process of sending files is well-defined.">
 class UploadFileResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the file upload response.">
+    // <BELIEF_STATE "The response primarily contains an `uploadFileLinks` property, which is a collection of `FileLinkData` objects, each detailing how to upload a part of the file or its signature.">
     public function __construct(
         #[DataCollectionOf(FileLinkData::class)]
         public DataCollection $uploadFileLinks,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/Limits/LimitData.php b/src/Data/Limits/LimitData.php
new file mode 100644
index 0000000..cae56a4
--- /dev/null
+++ b/src/Data/Limits/LimitData.php
@@ -0,0 +1,17 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Limits;
+
+use Spatie\LaravelData\Data;
+
+class LimitData extends Data
+{
+    public function __construct(
+        public string $title,
+        public bool $isPersonal,
+        public mixed $max,
+        public mixed $rest,
+        public mixed $turnover,
+        public string $type,
+    ) {}
+}
diff --git a/src/Data/Limits/LimitsResponseData.php b/src/Data/Limits/LimitsResponseData.php
new file mode 100644
index 0000000..06b740b
--- /dev/null
+++ b/src/Data/Limits/LimitsResponseData.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Limits;
+
+use Spatie\LaravelData\Data;
+
+class LimitDetailData extends Data
+{
+    public function __construct(
+        public string $title,
+        public mixed $rest,
+        public mixed $max,
+    ) {}
+}
+
+class LimitsResponseData extends Data
+{
+    public function __construct(
+        public array $oneTime,
+        public array $day,
+        public array $month,
+    ) {}
+}
diff --git a/src/Data/Loans/CreditOfferData.php b/src/Data/Loans/CreditOfferData.php
new file mode 100644
index 0000000..6b8316d
--- /dev/null
+++ b/src/Data/Loans/CreditOfferData.php
@@ -0,0 +1,15 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Loans;
+
+use Spatie\LaravelData\Data;
+
+class CreditOfferData extends Data
+{
+    public function __construct(
+        public string $id,
+        public float $amount,
+        public string $status,
+        public ?string $description = null,
+    ) {}
+}
diff --git a/src/Data/Logistics/DeliveryData.php b/src/Data/Logistics/DeliveryData.php
new file mode 100644
index 0000000..34ea229
--- /dev/null
+++ b/src/Data/Logistics/DeliveryData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Logistics;
+
+use Spatie\LaravelData\Data;
+
+class DeliveryData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $status,
+        public ?string $date = null,
+    ) {}
+}
diff --git a/src/Data/Logistics/LogisticsActionData.php b/src/Data/Logistics/LogisticsActionData.php
new file mode 100644
index 0000000..cfcff52
--- /dev/null
+++ b/src/Data/Logistics/LogisticsActionData.php
@@ -0,0 +1,12 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Logistics;
+
+use Spatie\LaravelData\Data;
+
+class LogisticsActionData extends Data
+{
+    public function __construct(
+        public array $parameters = [],
+    ) {}
+}
diff --git a/src/Data/Lounge/LoungeBalanceData.php b/src/Data/Lounge/LoungeBalanceData.php
new file mode 100644
index 0000000..d4142ca
--- /dev/null
+++ b/src/Data/Lounge/LoungeBalanceData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Lounge;
+
+use Spatie\LaravelData\Data;
+
+class LoungeBalanceData extends Data
+{
+    public function __construct(
+        public int $totalVisits,
+        public int $remainingVisits,
+    ) {}
+}
diff --git a/src/Data/Loyalty/LoyaltyAccountData.php b/src/Data/Loyalty/LoyaltyAccountData.php
new file mode 100644
index 0000000..3bfd3f1
--- /dev/null
+++ b/src/Data/Loyalty/LoyaltyAccountData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Loyalty;
+
+use Spatie\LaravelData\Data;
+
+class LoyaltyAccountData extends Data
+{
+    public function __construct(
+        public string $type,
+        public string $number,
+    ) {}
+}
diff --git a/src/Data/Loyalty/LoyaltyFilterData.php b/src/Data/Loyalty/LoyaltyFilterData.php
new file mode 100644
index 0000000..d624979
--- /dev/null
+++ b/src/Data/Loyalty/LoyaltyFilterData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Loyalty;
+
+use Spatie\LaravelData\Data;
+
+class LoyaltyFilterData extends Data
+{
+    public function __construct(
+        public string $startDate,
+        public string $endDate,
+        public array $references = [],
+    ) {}
+}
diff --git a/src/Data/Loyalty/LoyaltyTransactionData.php b/src/Data/Loyalty/LoyaltyTransactionData.php
new file mode 100644
index 0000000..c429128
--- /dev/null
+++ b/src/Data/Loyalty/LoyaltyTransactionData.php
@@ -0,0 +1,15 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Loyalty;
+
+use Spatie\LaravelData\Data;
+
+class LoyaltyTransactionData extends Data
+{
+    public function __construct(
+        public string $id,
+        public float $amount,
+        public string $date,
+        public ?string $description = null,
+    ) {}
+}
diff --git a/src/Data/NominalAccounts/Beneficiaries/AddressData.php b/src/Data/NominalAccounts/Beneficiaries/AddressData.php
index 6210d42..44611b1 100644
--- a/src/Data/NominalAccounts/Beneficiaries/AddressData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/AddressData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an address.
+// RESPONSIBILITY: To hold and type-safely represent address details.
+// INPUTS: Raw JSON object from the API response or internal input.
+// OUTPUTS: A structured object containing address information.
+// LINKS: CreateBeneficiaryRequestData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for address details.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for address data, ensuring consistency whenever address information is exchanged.">
 class AddressData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of an address.">
+    // <BELIEF_STATE "The constructor captures the `type` of address (e.g., legal, postal), the `address` string itself, and an optional `country`.">
     public function __construct(
         public string $type,
         public string $address,
         public ?string $country = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/BeneficiaryBalanceData.php b/src/Data/NominalAccounts/Beneficiaries/BeneficiaryBalanceData.php
index b63b444..f2e2dcb 100644
--- a/src/Data/NominalAccounts/Beneficiaries/BeneficiaryBalanceData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/BeneficiaryBalanceData.php
@@ -1,13 +1,27 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a specific beneficiary's balance.
+// RESPONSIBILITY: To hold and type-safely represent the financial balance details of a beneficiary for a given account and date.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing beneficiary balance information.
+// LINKS: Requests/NominalAccounts/Beneficiaries/GetBeneficiaryBalanceRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO represents a balance which can be composed of multiple `WalletBalanceData` objects. `DataCollectionOf` is essential for auto-casting.">
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a beneficiary's balance details.">
+// <BELIEF_STATE "A dedicated DTO ensures the balance information is always accessed in a type-safe and consistent manner, preventing common errors when dealing with financial data.">
 class BeneficiaryBalanceData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties related to a beneficiary's balance.">
+    // <BELIEF_STATE "Properties like `beneficiaryId`, `accountNumber`, and `date` are key identifiers for the balance. The `balances` property is a collection of `WalletBalanceData`, enabling a detailed breakdown of the balance across different wallet types.">
     public function __construct(
         public string $beneficiaryId,
         public string $accountNumber,
@@ -15,4 +29,5 @@ class BeneficiaryBalanceData extends Data
         #[DataCollectionOf(WalletBalanceData::class)]
         public ?DataCollection $balances = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionCollectionData.php b/src/Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionCollectionData.php
index a719207..be80f27 100644
--- a/src/Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionCollectionData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionCollectionData.php
@@ -1,17 +1,33 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines a paginated collection of beneficiary transaction data.
+// RESPONSIBILITY: To provide a strongly-typed, paginatable structure for lists of transactions associated with a beneficiary, integrating pagination metadata and a collection of individual transaction DTOs.
+// INPUTS: Raw array data representing a paginated list of beneficiary transactions from the API.
+// OUTPUTS: An instantiated DTO containing pagination metadata and a `DataCollection` of `BeneficiaryTransactionData` objects.
+// LINKS: Data/PaginationData.php, Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionData.php, Requests/NominalAccounts/Beneficiaries/GetBeneficiaryTransactionsRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import necessary classes for pagination, data collection, and Laravel Data.">
+// <BELIEF_STATE "These imports are crucial for constructing a robust paginated data structure. `PaginationData` brings in metadata for navigation, `DataCollectionOf` and `DataCollection` enable type-safe handling of multiple transaction items, and `Data` provides the foundational capabilities for data object mapping.">
 use Apoloz\AlfaBank\Data\PaginationData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the paginated collection for beneficiary transactions.">
+// <BELIEF_STATE "The `BeneficiaryTransactionCollectionData` DTO is designed to encapsulate both the list of `BeneficiaryTransactionData` and their associated pagination information. This promotes a consistent and easy-to-use structure when dealing with potentially large sets of transaction data, enhancing developer experience by providing structured access to both data and metadata.">
 class BeneficiaryTransactionCollectionData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the paginated collection DTO.">
+    // <BELIEF_STATE "The constructor uses PHP 8's property promotion to define `pagination` for metadata and `transactionsList` for the actual transaction items. `@DataCollectionOf` ensures that `transactionsList` is a type-safe collection of `BeneficiaryTransactionData` objects, enforcing data integrity and predictability. Both are nullable to handle cases where no transactions are found or pagination info is absent.">
     public function __construct(
         public ?PaginationData $pagination = null,
         #[DataCollectionOf(BeneficiaryTransactionData::class)]
         public ?DataCollection $transactionsList = null,
     ) {}
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionData.php b/src/Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionData.php
index fddcb50..6cb4ca7 100644
--- a/src/Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionData.php
@@ -1,14 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single beneficiary transaction record.
+// RESPONSIBILITY: To provide a strongly-typed structure for individual transaction details related to a beneficiary, ensuring consistency and ease of consumption for API responses.
+// INPUTS: Raw array data representing a single beneficiary transaction from the API.
+// OUTPUTS: An instantiated DTO with properties mapped from the input array.
+// LINKS: Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionCollectionData.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import the base Spatie\LaravelData class.">
+// <BELIEF_STATE "This class extends `Spatie\LaravelData\Data` to leverage its robust data mapping and type safety, ensuring consistent and predictable handling of individual transaction payloads.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the beneficiary transaction data structure.">
+// <BELIEF_STATE "The `BeneficiaryTransactionData` DTO encapsulates the core details of a single transaction. It defines essential properties like `type` and `amount` as mandatory, while `comment` is optional, reflecting the common structure of transaction records.">
 class BeneficiaryTransactionData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the transaction DTO.">
+    // <BELIEF_STATE "Properties are defined directly in the constructor for conciseness and immutability. `type` and `amount` are crucial for any transaction and are thus required. `comment` is nullable as it may not always be present in transaction records.">
     public function __construct(
         public string $type,
         public string $amount,
         public ?string $comment = null,
     ) {}
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Data/NominalAccounts/Beneficiaries/CreateBeneficiaryRequestData.php b/src/Data/NominalAccounts/Beneficiaries/CreateBeneficiaryRequestData.php
index 54d4979..570fb0e 100644
--- a/src/Data/NominalAccounts/Beneficiaries/CreateBeneficiaryRequestData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/CreateBeneficiaryRequestData.php
@@ -1,14 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when creating a new beneficiary.
+// RESPONSIBILITY: To hold and validate all necessary information for beneficiary registration, including personal details, addresses, and signatures.
+// INPUTS: Raw data array for beneficiary details.
+// OUTPUTS: A structured, type-safe object for the `CreateBeneficiaryRequest` payload.
+// LINKS: Requests/NominalAccounts/Beneficiaries/CreateBeneficiaryRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components for complex nested data structures.">
+// <BELIEF_STATE "This DTO has several nested DTOs and collections (`AddressData`, `DigestSignatureData`, `DocumentData`, `PersonalInformationData`). `DataCollectionOf` and `Data` ensure that these are all correctly typed and mapped.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for creating a new beneficiary.">
+// <BELIEF_STATE "This DTO serves as a robust contract for the complex payload required to create a beneficiary. Type-safety here prevents malformed requests from even being constructed.">
 class CreateBeneficiaryRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the beneficiary creation request, including nested DTOs and collections.">
+    // <BELIEF_STATE "The constructor meticulously lists all possible fields, making it clear what data is expected. Mandatory fields are non-nullable, while optional ones are nullable. Collections like `addresses` and `digestSignatures` are type-hinted with `DataCollection` and use `#[DataCollectionOf]` to ensure each item is itself a DTO.">
     public function __construct(
         public string $type,
         public string $countryOfTaxResidence,
@@ -31,4 +45,5 @@ class CreateBeneficiaryRequestData extends Data
         #[DataCollectionOf(DocumentData::class)]
         public ?DataCollection $documents = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/CreateBeneficiaryResponseData.php b/src/Data/NominalAccounts/Beneficiaries/CreateBeneficiaryResponseData.php
index 693e2f6..c08ca2d 100644
--- a/src/Data/NominalAccounts/Beneficiaries/CreateBeneficiaryResponseData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/CreateBeneficiaryResponseData.php
@@ -1,13 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response when creating a new beneficiary.
+// RESPONSIBILITY: To provide a structured, type-safe object representing the outcome of a beneficiary creation request.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: An object containing the request ID and status of the creation operation.
+// LINKS: Requests/NominalAccounts/Beneficiaries/CreateBeneficiaryRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for the response of creating a beneficiary.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for the API's response to a beneficiary creation request, allowing developers to easily access the `requestId` and `status`.">
 class CreateBeneficiaryResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the beneficiary creation response.">
+    // <BELIEF_STATE "The response primarily contains a `requestId` for tracking the operation and a `status` indicating its immediate outcome.">
     public function __construct(
         public string $requestId,
         public string $status,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/DocumentData.php b/src/Data/NominalAccounts/Beneficiaries/DocumentData.php
index 7977a71..d95ec68 100644
--- a/src/Data/NominalAccounts/Beneficiaries/DocumentData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/DocumentData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an identification document.
+// RESPONSIBILITY: To hold and type-safely represent details of a document like passport or ID card.
+// INPUTS: Raw JSON object from the API response or internal input.
+// OUTPUTS: A structured object containing document information.
+// LINKS: CreateBeneficiaryRequestData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for an identification document.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for document data, critical for KYC (Know Your Customer) and AML (Anti-Money Laundering) compliance.">
 class DocumentData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of an identification document.">
+    // <BELIEF_STATE "The constructor includes fields common to identification documents, such as `type`, `number`, `issueDate`, and `organization`. Optional fields allow flexibility for various document types.">
     public function __construct(
         public string $type,
         public string $number,
@@ -15,4 +29,5 @@ class DocumentData extends Data
         public ?string $expireDate = null,
         public ?string $division = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/PersonalInformationData.php b/src/Data/NominalAccounts/Beneficiaries/PersonalInformationData.php
index 5e6fe14..c05cf28 100644
--- a/src/Data/NominalAccounts/Beneficiaries/PersonalInformationData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/PersonalInformationData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a beneficiary's personal identification information.
+// RESPONSIBILITY: To hold and type-safely represent an individual's personal details like name, INN, birthdate, etc.
+// INPUTS: Raw JSON object from the API response or internal input.
+// OUTPUTS: A structured object containing personal information.
+// LINKS: CreateBeneficiaryRequestData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for personal identification details.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for personal information, ensuring consistency and validation when handling sensitive data.">
 class PersonalInformationData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of an individual's personal information.">
+    // <BELIEF_STATE "The constructor includes common personal identifiers. All fields are marked as nullable, indicating they might be optional depending on the specific beneficiary type or API call. This flexibility is important when dealing with diverse data requirements.">
     public function __construct(
         public ?string $inn = null,
         public ?string $firstName = null,
@@ -16,4 +30,5 @@ class PersonalInformationData extends Data
         public ?string $birthPlace = null,
         public ?string $snils = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/Requisites/CreateRequisiteRequestData.php b/src/Data/NominalAccounts/Beneficiaries/Requisites/CreateRequisiteRequestData.php
index 3a7a88b..a184e53 100644
--- a/src/Data/NominalAccounts/Beneficiaries/Requisites/CreateRequisiteRequestData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/Requisites/CreateRequisiteRequestData.php
@@ -1,14 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when creating a new requisite.
+// RESPONSIBILITY: To hold and validate all necessary information for registering a new payment requisite for a beneficiary.
+// INPUTS: Payment type, digest signatures, and various optional requisite details (PAN, account number, phone, etc.).
+// OUTPUTS: A structured, type-safe object for the `AddRequisiteRequest` payload.
+// LINKS: Requests/NominalAccounts/Beneficiaries/Requisites/AddRequisiteRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO requires `DigestSignatureData` as a collection for security, utilizing `DataCollectionOf` for type safety.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for creating a new requisite.">
+// <BELIEF_STATE "This DTO ensures the request payload for creating a requisite is strictly typed and complete, preventing malformed requests for a critical financial operation.">
 class CreateRequisiteRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the requisite creation request.">
+    // <BELIEF_STATE "The constructor includes mandatory fields like `type` and `digestSignatures`. Optional fields cover various payment methods (`pan`, `phoneNumber`, `accountNumber`) and identifiers (`bankId`, `bik`, `name`, `inn`, `kpp`, `beneficiaryId`, `isMain`).">
     public function __construct(
         public string $type,
         #[DataCollectionOf(DigestSignatureData::class)]
@@ -24,4 +38,5 @@ class CreateRequisiteRequestData extends Data
         public ?string $kpp = null,
         public ?bool $isMain = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/Requisites/RequisiteData.php b/src/Data/NominalAccounts/Beneficiaries/Requisites/RequisiteData.php
index 4172d43..790383a 100644
--- a/src/Data/NominalAccounts/Beneficiaries/Requisites/RequisiteData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/Requisites/RequisiteData.php
@@ -1,16 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single payment requisite.
+// RESPONSIBILITY: To hold and type-safely represent the details of a registered payment method (e.g., bank account, card, phone).
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing requisite details.
+// LINKS: Requests/NominalAccounts/Beneficiaries/Requisites/GetRequisitesRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a single payment requisite.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for requisite data, crucial for managing payment methods reliably.">
 class RequisiteData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a payment requisite.">
+    // <BELIEF_STATE "The constructor includes a mix of mandatory (`type`, `isMain`, `isActive`) and optional fields (`id`, `pan`, `phoneNumber`, `accountNumber`, `bankId`, `bik`, `name`, `inn`, `kpp`). These fields describe the payment method and its current status.">
     public function __construct(
-        public ?string $id = null,
         public string $type,
         public bool $isMain,
         public bool $isActive,
+        public ?string $id = null, // Requisite ID might be generated on creation
         public ?string $pan = null,
         public ?string $phoneNumber = null,
         public ?string $bankId = null,
@@ -20,4 +34,5 @@ class RequisiteData extends Data
         public ?string $inn = null,
         public ?string $kpp = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequestData.php b/src/Data/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequestData.php
index 3bd0801..62d7814 100644
--- a/src/Data/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequestData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequestData.php
@@ -1,19 +1,33 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when updating an existing requisite.
+// RESPONSIBILITY: To hold and validate necessary information for modifying a payment requisite.
+// INPUTS: Digest signatures, and various optional requisite details (PAN, account number, phone, etc.).
+// OUTPUTS: A structured, type-safe object for the `UpdateRequisiteRequest` payload.
+// LINKS: Requests/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO requires `DigestSignatureData` as a collection for security, utilizing `DataCollectionOf` for type safety.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for updating an existing requisite.">
+// <BELIEF_STATE "This DTO ensures the request payload for updating a requisite is strictly typed and complete, supporting partial updates through nullable fields.">
 class UpdateRequisiteRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the requisite update request.">
+    // <BELIEF_STATE "The constructor includes mandatory `digestSignatures` for security. Optional fields allow for specific updates to `pan`, `keyId`, `phoneNumber`, `bankId`, `accountNumber`, `bik`, `isMain` status, and `isActive` status. The flexibility with nullable fields allows partial updates.">
     public function __construct(
         #[DataCollectionOf(DigestSignatureData::class)]
         public DataCollection $digestSignatures,
         public ?string $pan = null,
-        public ?string $keyId = null,
+        public ?string $keyId = null, // Specific identifier for some requisite types
         public ?string $phoneNumber = null,
         public ?string $bankId = null,
         public ?string $accountNumber = null,
@@ -21,4 +35,5 @@ class UpdateRequisiteRequestData extends Data
         public ?bool $isMain = null,
         public ?bool $isActive = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequestData.php b/src/Data/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequestData.php
index e2055f7..8f8f4e0 100644
--- a/src/Data/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequestData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequestData.php
@@ -1,14 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when updating an existing beneficiary.
+// RESPONSIBILITY: To hold and validate all necessary information for updating a beneficiary, including partial changes.
+// INPUTS: Raw data array for updated beneficiary details.
+// OUTPUTS: A structured, type-safe object for the `UpdateBeneficiaryRequest` payload.
+// LINKS: Requests/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO handles complex nested structures (`DigestSignatureData`, `AddressData`, `DocumentData`, `PersonalInformationData`), requiring `DataCollectionOf` for typed arrays.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for updating an existing beneficiary.">
+// <BELIEF_STATE "This DTO provides a robust contract for updating beneficiary details. By making most fields nullable, it supports partial updates (PATCH-like behavior) even if the API uses PUT.">
 class UpdateBeneficiaryRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the beneficiary update request, including nested DTOs and collections.">
+    // <BELIEF_STATE "Similar to `CreateBeneficiaryRequestData`, this constructor lists all updatable fields. Mandatory fields are `type` and `digestSignatures`. Most other fields are nullable to allow for partial updates, reflecting the flexibility often needed in update operations.">
     public function __construct(
         public string $type,
         #[DataCollectionOf(DigestSignatureData::class)]
@@ -24,4 +38,5 @@ class UpdateBeneficiaryRequestData extends Data
         public ?DataCollection $documents = null,
         public ?bool $isActive = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Beneficiaries/WalletBalanceData.php b/src/Data/NominalAccounts/Beneficiaries/WalletBalanceData.php
index a8b36cf..ed7ff3c 100644
--- a/src/Data/NominalAccounts/Beneficiaries/WalletBalanceData.php
+++ b/src/Data/NominalAccounts/Beneficiaries/WalletBalanceData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a specific wallet's balance.
+// RESPONSIBILITY: To hold and type-safely represent the free and held amounts within a financial wallet.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing wallet balance details.
+// LINKS: BeneficiaryBalanceData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a specific wallet's balance.">
+// <BELIEF_STATE "This DTO provides a precise, type-safe contract for individual wallet balances, distinguishing between funds that are `free` (available) and `held` (blocked).">
 class WalletBalanceData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a wallet balance.">
+    // <BELIEF_STATE "The constructor captures the `walletType` (e.g., nominal, tax), the `freeBalance` (funds available for use), and the `heldBalance` (funds currently blocked or reserved). This granular detail is crucial for financial applications.">
     public function __construct(
         public string $walletType,
         public string $freeBalance,
         public string $heldBalance,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/BeneficiaryCollectionData.php b/src/Data/NominalAccounts/BeneficiaryCollectionData.php
index 9f8c697..358439e 100644
--- a/src/Data/NominalAccounts/BeneficiaryCollectionData.php
+++ b/src/Data/NominalAccounts/BeneficiaryCollectionData.php
@@ -1,18 +1,33 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents a paginated collection of BeneficiaryData objects.
+// RESPONSIBILITY: To provide a structured, type-safe container for lists of beneficiaries returned by the API, including pagination metadata.
+// INPUTS: Raw JSON array from the API response.
+// OUTPUTS: An object containing pagination details and a collection of `BeneficiaryData`.
+// LINKS: Requests/NominalAccounts/Beneficiaries/GetBeneficiariesRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This collection DTO relies on `PaginationData` for metadata and `BeneficiaryData` for the individual items. `DataCollection` and `DataCollectionOf` are Spatie Data features for handling typed arrays of DTOs.">
 use Apoloz\AlfaBank\Data\PaginationData;
-use Spatie\LaravelData\Data;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a collection of beneficiaries.">
+// <BELIEF_STATE "A dedicated DTO for a collection ensures that the structure of paginated lists is consistent and type-safe, providing a reliable contract for consumers.">
 class BeneficiaryCollectionData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the beneficiary collection.">
+    // <BELIEF_STATE "The collection structure includes pagination metadata (`pagination`), the associated `accountNumber`, and the actual list of beneficiaries (`beneficiaries`). The `#[DataCollectionOf(BeneficiaryData::class)]` attribute is crucial for ensuring that each item in the `beneficiaries` array is automatically cast to a `BeneficiaryData` DTO.">
     public function __construct(
         public PaginationData $pagination,
         public string $accountNumber,
         #[DataCollectionOf(BeneficiaryData::class)]
         public DataCollection $beneficiaries
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/BeneficiaryData.php b/src/Data/NominalAccounts/BeneficiaryData.php
index eeea621..7062129 100644
--- a/src/Data/NominalAccounts/BeneficiaryData.php
+++ b/src/Data/NominalAccounts/BeneficiaryData.php
@@ -1,18 +1,32 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the core data structure for a single beneficiary.
+// RESPONSIBILITY: To hold and type-safely represent all attributes of a beneficiary, as returned by the API.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing beneficiary details.
+// LINKS: BeneficiaryCollectionData.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts;
 
-use Apoloz\AlfaBank\Data\PaginationData;
-use Spatie\LaravelData\Data;
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO may contain nested DTOs (e.g., for personal information, addresses, documents) or simple arrays, requiring appropriate Spatie Data attributes if they were themselves DTOs. It also references `PaginationData` due to a namespace mismatch in the original, but this file is primarily about the single beneficiary.">
+use Apoloz\AlfaBank\Data\PaginationData; // This import might be misleading for a single DTO, but kept for context consistency.
 use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a single beneficiary's details.">
+// <BELIEF_STATE "This DTO provides a comprehensive, type-safe representation of a beneficiary, which is essential for consistent data handling across the SDK.">
 class BeneficiaryData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties that describe a beneficiary.">
+    // <BELIEF_STATE "The constructor includes a wide range of properties covering identification, personal information, contact details, and status. While some are typed as `array` here, in a more refined design, these would likely be nested DTOs (e.g., `PersonalInformationData`, `AddressData`). The `isBeneficiary` and `isVpr` flags represent specific statuses or roles.">
     public function __construct(
         public string $beneficiaryId,
         public string $type,
-        public ?array $personalInformation = null,
+        public ?array $personalInformation = null, // Could be PersonalInformationData DTO
         public ?string $inn = null,
         public ?string $firstName = null,
         public ?string $lastName = null,
@@ -21,11 +35,12 @@ class BeneficiaryData extends Data
         public ?string $countryOfTaxResidence = null,
         public ?string $phoneNumber = null,
         public ?string $email = null,
-        public ?array $addresses = null,
-        public ?array $documents = null,
+        public ?array $addresses = null, // Could be DataCollectionOf(AddressData::class)
+        public ?array $documents = null, // Could be DataCollectionOf(DocumentData::class)
         public ?bool $isActive = null,
-        public ?array $balances = null,
+        public ?array $balances = null, // Could be DataCollectionOf(WalletBalanceData::class)
         public ?bool $isBeneficiary = null,
         public ?bool $isVpr = null,
     ) {}
+    // </SECTION>
 }
\ No newline at end of file
diff --git a/src/Data/NominalAccounts/CounterpartyRequestStatusData.php b/src/Data/NominalAccounts/CounterpartyRequestStatusData.php
index 599c54d..e8216bd 100644
--- a/src/Data/NominalAccounts/CounterpartyRequestStatusData.php
+++ b/src/Data/NominalAccounts/CounterpartyRequestStatusData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the status of a counterparty-related request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome and details of an asynchronous operation involving counterparties (beneficiaries or universal recipients).
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing request status information.
+// LINKS: Requests/NominalAccounts/GetCounterpartyRequestStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for the status of a counterparty request.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of asynchronous operations, which is common in complex banking APIs.">
 class CounterpartyRequestStatusData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a counterparty request status.">
+    // <BELIEF_STATE "The `requestId` and `status` are fundamental for tracking any asynchronous operation. Optional fields like `beneficiaryId`, `universalRecipientId`, `description`, and `resultData` provide granular details about the outcome and associated entities.">
     public function __construct(
         public string $requestId,
         public string $status,
@@ -14,4 +28,5 @@ class CounterpartyRequestStatusData extends Data
         public ?string $description = null,
         public ?string $resultData = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/DealCollectionData.php b/src/Data/NominalAccounts/Deals/DealCollectionData.php
index 8b29ea3..5b640ce 100644
--- a/src/Data/NominalAccounts/Deals/DealCollectionData.php
+++ b/src/Data/NominalAccounts/Deals/DealCollectionData.php
@@ -1,17 +1,32 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a paginated collection of DealData objects.
+// RESPONSIBILITY: To provide a structured, type-safe container for lists of deals returned by the API, including pagination metadata.
+// INPUTS: Raw JSON array from the API response.
+// OUTPUTS: An object containing pagination details and a collection of `DealData`.
+// LINKS: Requests/NominalAccounts/Deals/GetDealsRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This collection DTO relies on `PaginationData` for metadata and `DealData` for the individual items. `DataCollection` and `DataCollectionOf` are Spatie Data features for handling typed arrays of DTOs.">
 use Apoloz\AlfaBank\Data\PaginationData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a collection of deals.">
+// <BELIEF_STATE "A dedicated DTO for a collection ensures that the structure of paginated lists is consistent and type-safe, providing a reliable contract for consumers to manage deals.">
 class DealCollectionData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the deal collection.">
+    // <BELIEF_STATE "The collection structure includes pagination metadata (`pagination`) and the actual list of deals (`deals`). The `#[DataCollectionOf(DealData::class)]` attribute is crucial for ensuring that each item in the `deals` array is automatically cast to a `DealData` DTO.">
     public function __construct(
         public PaginationData $pagination,
         #[DataCollectionOf(DealData::class)]
         public DataCollection $deals
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/DealData.php b/src/Data/NominalAccounts/Deals/DealData.php
index 688af91..e0b9139 100644
--- a/src/Data/NominalAccounts/Deals/DealData.php
+++ b/src/Data/NominalAccounts/Deals/DealData.php
@@ -1,15 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single deal.
+// RESPONSIBILITY: To hold and type-safely represent the core attributes of a deal, such as its ID, status, and expiration.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing deal details.
+// LINKS: DealCollectionData.php, Requests/NominalAccounts/Deals/GetDealRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a single deal's details.">
+// <BELIEF_STATE "This DTO provides a comprehensive, type-safe representation of a deal, essential for consistent data handling across the SDK.">
 class DealData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties that describe a deal.">
+    // <BELIEF_STATE "The constructor includes mandatory fields such as `dealId` (unique identifier), `status` (current state), `expireDate`, and `isValid` (indicating payment readiness).">
     public function __construct(
         public string $dealId,
         public string $status,
         public string $expireDate,
         public bool $isValid,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/DealPayoffData.php b/src/Data/NominalAccounts/Deals/DealPayoffData.php
index b25b224..728c1c5 100644
--- a/src/Data/NominalAccounts/Deals/DealPayoffData.php
+++ b/src/Data/NominalAccounts/Deals/DealPayoffData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single payoff within a deal.
+// RESPONSIBILITY: To hold and type-safely represent a specific payment made as part of a deal.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing deal payoff details.
+// LINKS: Requests/NominalAccounts/Deals/GetDealPayoffsRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a payoff associated with a deal.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for individual payment records related to a deal, crucial for tracking financial flows within deals.">
 class DealPayoffData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a deal payoff.">
+    // <BELIEF_STATE "The constructor includes key identifiers like `stepId`, `payoffId`, `payoffType`, `deponentId`, `recipientId`, and financial details (`amount`, `status`). These fields are essential for understanding the specific payment within the context of a deal.">
     public function __construct(
         public string $stepId,
         public string $payoffId,
@@ -15,4 +29,5 @@ class DealPayoffData extends Data
         public string $amount,
         public string $status,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/DealRequestStatusData.php b/src/Data/NominalAccounts/Deals/DealRequestStatusData.php
index aa394cf..8329036 100644
--- a/src/Data/NominalAccounts/Deals/DealRequestStatusData.php
+++ b/src/Data/NominalAccounts/Deals/DealRequestStatusData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the status of a deal-related request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome and details of an asynchronous operation related to deals.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing request status information.
+// LINKS: Requests/NominalAccounts/Deals/GetDealRequestStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for the status of a deal request.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of asynchronous deal operations, which is common for complex business processes.">
 class DealRequestStatusData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a deal request status.">
+    // <BELIEF_STATE "The `requestId` and `status` are fundamental for tracking any asynchronous operation. An optional `description` can provide further details about the status.">
     public function __construct(
         public string $requestId,
         public string $status,
         public ?string $description = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/Steps/ContractorActionRequestData.php b/src/Data/NominalAccounts/Deals/Steps/ContractorActionRequestData.php
index ef82631..9ba5b00 100644
--- a/src/Data/NominalAccounts/Deals/Steps/ContractorActionRequestData.php
+++ b/src/Data/NominalAccounts/Deals/Steps/ContractorActionRequestData.php
@@ -1,16 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload to perform an action on a deal contractor.
+// RESPONSIBILITY: To hold and validate all necessary information for actions such as adding or managing contractors within a deal step.
+// INPUTS: Action type, deal ID, step ID, beneficiary ID, signatures, and optional financial details.
+// OUTPUTS: A structured, type-safe object for the `ManageContractorRequest` payload.
+// LINKS: Requests/NominalAccounts/Deals/Steps/ManageContractorRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components for complex nested data structures.">
+// <BELIEF_STATE "This DTO orchestrates several other DTOs and collections (`DigestSignatureData`, `ContractorAmountData`), requiring `DataCollectionOf` for typed arrays.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for performing an action on a deal contractor.">
+// <BELIEF_STATE "This DTO provides a robust contract for managing contractors within deal steps. It ensures that critical financial and security-related data is strictly typed and correctly structured for actions like adding funds or changing status.">
 class ContractorActionRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the contractor action request.">
+    // <BELIEF_STATE "The constructor includes mandatory fields like `action`, `dealId`, `stepId`, `beneficiaryId`, and `digestSignatures`. Optional fields like `amount`, `purpose`, `amounts` (for detailed distribution), `keepOnNominalAccount`, and `requisiteId` provide flexibility for various contractor management scenarios.">
     public function __construct(
-        public string $action,
+        public string $action, // e.g., ADD_AMOUNT, REMOVE_AMOUNT, SET_REQUISITE
         public string $dealId,
         public string $stepId,
         public string $beneficiaryId,
@@ -19,8 +33,9 @@ class ContractorActionRequestData extends Data
         public ?string $amount = null,
         public ?string $purpose = null,
         #[DataCollectionOf(ContractorAmountData::class)]
-        public ?DataCollection $amounts = null,
+        public ?DataCollection $amounts = null, // For detailed amount distribution
         public ?bool $keepOnNominalAccount = null,
         public ?string $requisiteId = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/Steps/ContractorAmountData.php b/src/Data/NominalAccounts/Deals/Steps/ContractorAmountData.php
index 7312183..7a1d549 100644
--- a/src/Data/NominalAccounts/Deals/Steps/ContractorAmountData.php
+++ b/src/Data/NominalAccounts/Deals/Steps/ContractorAmountData.php
@@ -1,13 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a specific amount allocated to a contractor's wallet.
+// RESPONSIBILITY: To hold and type-safely represent an amount designated for a particular wallet type (e.g., nominal, tax).
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing amount and wallet type.
+// LINKS: ContractorActionRequestData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for an amount allocated to a contractor's wallet.">
+// <BELIEF_STATE "This DTO provides a precise, type-safe contract for specifying how funds are distributed across different wallet types for a contractor within a deal step, ensuring granular control over financial flows.">
 class ContractorAmountData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a contractor amount allocation.">
+    // <BELIEF_STATE "The constructor includes optional fields for `walletType` (e.g., 'NOMINAL', 'TAX') and the `amount` to be allocated. Both are optional to allow for flexible usage, potentially being part of a larger distribution scheme where these properties might be inferred or contextually dependent.">
     public function __construct(
         public ?string $walletType = null,
         public ?string $amount = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/Steps/StepActionRequestData.php b/src/Data/NominalAccounts/Deals/Steps/StepActionRequestData.php
index 154d2ec..176b480 100644
--- a/src/Data/NominalAccounts/Deals/Steps/StepActionRequestData.php
+++ b/src/Data/NominalAccounts/Deals/Steps/StepActionRequestData.php
@@ -1,20 +1,35 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload to perform an action on a deal step.
+// RESPONSIBILITY: To hold and validate all necessary information for actions such as completing or canceling a step within a deal.
+// INPUTS: Deal ID, action type, signatures, and optional step ID and description.
+// OUTPUTS: A structured, type-safe object for the `ManageStepRequest` payload.
+// LINKS: Requests/NominalAccounts/Deals/Steps/ManageStepRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO requires `DigestSignatureData` as a collection for security, utilizing `DataCollectionOf` for type safety.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for performing an action on a deal step.">
+// <BELIEF_STATE "This DTO provides a robust contract for managing the lifecycle of deal steps. It ensures that critical operational and security data is strictly typed and correctly structured for actions like completion or cancellation.">
 class StepActionRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the step action request.">
+    // <BELIEF_STATE "The constructor includes mandatory fields like `dealId`, `action` (e.g., 'COMPLETE', 'CANCEL'), and `digestSignatures`. Optional fields like `stepId` (if targeting a specific step within the deal) and `description` provide flexibility and context for the action.">
     public function __construct(
         public string $dealId,
-        public string $action,
+        public string $action, // e.g., COMPLETE, CANCEL
         #[DataCollectionOf(DigestSignatureData::class)]
         public DataCollection $digestSignatures,
         public ?string $stepId = null,
         public ?string $description = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/Steps/StepActionResponseData.php b/src/Data/NominalAccounts/Deals/Steps/StepActionResponseData.php
index 77ef9df..37ec448 100644
--- a/src/Data/NominalAccounts/Deals/Steps/StepActionResponseData.php
+++ b/src/Data/NominalAccounts/Deals/Steps/StepActionResponseData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a step action request within a deal.
+// RESPONSIBILITY: To hold and type-safely represent the outcome and status of an action performed on a deal step.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing step action status information.
+// LINKS: Requests/NominalAccounts/Deals/Steps/ManageStepRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for the response of a step action request.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of actions performed on deal steps, which can be asynchronous operations.">
 class StepActionResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a step action response.">
+    // <BELIEF_STATE "The constructor includes key identifiers such as `dealId`, `stepId`, `stepNumber`, and `requestId`. The `status` and `description` provide details about the action's outcome. All fields are optional to accommodate various response scenarios.">
     public function __construct(
         public ?string $dealId = null,
         public ?string $stepId = null,
@@ -14,4 +28,5 @@ class StepActionResponseData extends Data
         public ?string $status = null,
         public ?string $requestId = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/Steps/StepContractorData.php b/src/Data/NominalAccounts/Deals/Steps/StepContractorData.php
index ee8a73b..7071739 100644
--- a/src/Data/NominalAccounts/Deals/Steps/StepContractorData.php
+++ b/src/Data/NominalAccounts/Deals/Steps/StepContractorData.php
@@ -1,13 +1,27 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a contractor associated with a deal step.
+// RESPONSIBILITY: To hold and type-safely represent details of a beneficiary acting as a contractor within a specific deal step.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing contractor details for a deal step.
+// LINKS: Requests/NominalAccounts/Deals/Steps/GetStepContractorsRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO uses `ContractorAmountData` within a collection, requiring `DataCollectionOf` for type safety.">
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a contractor in a deal step.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for contractor details, including their role, associated amounts, and other relevant information within the context of a deal step.">
 class StepContractorData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a step contractor.">
+    // <BELIEF_STATE "The constructor includes the `beneficiaryId`, `role` (e.g., 'DEBTOR', 'CREDITOR'), `amount`, `purpose`, `requisiteId`, and `keepOnNominalAccount` flag. The `amounts` property, if present, is a collection of `ContractorAmountData` for detailed amount distribution.">
     public function __construct(
         public ?string $beneficiaryId = null,
         public ?string $role = null,
@@ -18,4 +32,5 @@ class StepContractorData extends Data
         #[DataCollectionOf(ContractorAmountData::class)]
         public ?DataCollection $amounts = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/Steps/StepData.php b/src/Data/NominalAccounts/Deals/Steps/StepData.php
index 0ad7169..86185d1 100644
--- a/src/Data/NominalAccounts/Deals/Steps/StepData.php
+++ b/src/Data/NominalAccounts/Deals/Steps/StepData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single step within a deal.
+// RESPONSIBILITY: To hold and type-safely represent the details of a specific stage in a multi-step deal process.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing deal step details.
+// LINKS: Requests/NominalAccounts/Deals/Steps/GetStepRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a single deal step.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for a deal step, which is a critical component for defining and tracking complex business processes within a deal.">
 class StepData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a deal step.">
+    // <BELIEF_STATE "The constructor includes key identifiers like `stepId` and `stepNumber`, along with `description`, `status`, and `isValid` to provide a comprehensive overview of the step's current state and details.">
     public function __construct(
         public string $stepId,
         public int $stepNumber,
@@ -13,4 +27,5 @@ class StepData extends Data
         public string $status,
         public bool $isValid,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Deals/ValidateDealResponseData.php b/src/Data/NominalAccounts/Deals/ValidateDealResponseData.php
index 7598ec9..4c0f160 100644
--- a/src/Data/NominalAccounts/Deals/ValidateDealResponseData.php
+++ b/src/Data/NominalAccounts/Deals/ValidateDealResponseData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a deal validation request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome of checking a deal's validity.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing deal validation status.
+// LINKS: Requests/NominalAccounts/Deals/ValidateDealRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for the response of a deal validation.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for understanding whether a deal is considered valid for further operations, including an optional description for validation failures.">
 class ValidateDealResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a deal validation response.">
+    // <BELIEF_STATE "The constructor includes the `dealId` for context, a boolean `isValid` to indicate the validation outcome, and an optional `description` to provide details for invalid deals.">
     public function __construct(
         public string $dealId,
         public bool $isValid,
-        public ?array $description = null,
+        public ?array $description = null, // Can be a string or array of error messages
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Identification/AmountDistributionData.php b/src/Data/NominalAccounts/Identification/AmountDistributionData.php
index 2af629b..87e5aa2 100644
--- a/src/Data/NominalAccounts/Identification/AmountDistributionData.php
+++ b/src/Data/NominalAccounts/Identification/AmountDistributionData.php
@@ -1,13 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for distributing an amount to a beneficiary.
+// RESPONSIBILITY: To hold and type-safely represent how a specific portion of a transaction amount is allocated to a beneficiary.
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing beneficiary amount distribution details.
+// LINKS: IdentifyRequestData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for distributing amounts to beneficiaries.">
+// <BELIEF_STATE "This DTO provides a precise, type-safe contract for specifying how parts of a transaction's total amount should be allocated to different beneficiaries, crucial for accounting accuracy.">
 class AmountDistributionData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of an amount distribution entry.">
+    // <BELIEF_STATE "The constructor specifies the `beneficiaryId` to whom the amount is distributed and the exact `amount` being allocated. Both are mandatory to ensure accurate financial allocation.">
     public function __construct(
         public string $beneficiaryId,
         public string $amount,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Identification/IdentifyRequestData.php b/src/Data/NominalAccounts/Identification/IdentifyRequestData.php
index 031012e..410d12f 100644
--- a/src/Data/NominalAccounts/Identification/IdentifyRequestData.php
+++ b/src/Data/NominalAccounts/Identification/IdentifyRequestData.php
@@ -1,14 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when identifying an unidentified transaction.
+// RESPONSIBILITY: To hold and validate all necessary information for associating an unidentified transaction with specific beneficiaries.
+// INPUTS: Transaction ID, account number, amount distribution details, and digest signatures.
+// OUTPUTS: A structured, type-safe object for the `IdentifyTransactionRequest` payload.
+// LINKS: Requests/NominalAccounts/Identification/IdentifyTransactionRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components for complex nested structures.">
+// <BELIEF_STATE "This DTO orchestrates several other DTOs and collections (`AmountDistributionData`, `DigestSignatureData`), requiring `DataCollectionOf` for typed arrays.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for identifying an unidentified transaction.">
+// <BELIEF_STATE "This DTO provides a robust contract for the complex payload required to identify a transaction. It ensures that critical financial and cryptographic data is correctly structured.">
 class IdentifyRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the transaction identification request.">
+    // <BELIEF_STATE "The constructor meticulously lists all mandatory fields. `transactionId` and `accountNumber` pinpoint the transaction. `amountDistribution` and `digestSignatures` are critical for the financial and security aspects of the identification process, each being a typed collection.">
     public function __construct(
         public string $transactionId,
         public string $accountNumber,
@@ -17,4 +31,5 @@ class IdentifyRequestData extends Data
         #[DataCollectionOf(DigestSignatureData::class)]
         public DataCollection $digestSignatures,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Identification/IdentifyResponseData.php b/src/Data/NominalAccounts/Identification/IdentifyResponseData.php
index 5674c9e..21324bc 100644
--- a/src/Data/NominalAccounts/Identification/IdentifyResponseData.php
+++ b/src/Data/NominalAccounts/Identification/IdentifyResponseData.php
@@ -1,13 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a transaction identification request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome and status of an identification operation.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing identification request status information.
+// LINKS: Requests/NominalAccounts/Identification/IdentifyTransactionRequest.php, Requests/NominalAccounts/Identification/GetIdentifyStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for the response of an identification request.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of an identification request, which might be asynchronous.">
 class IdentifyResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of an identification request response.">
+    // <BELIEF_STATE "The `identifyId` serves as a unique identifier for the specific identification operation, and `status` indicates its current state.">
     public function __construct(
         public string $identifyId,
         public string $status,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Identification/PayerData.php b/src/Data/NominalAccounts/Identification/PayerData.php
index d2ff841..5f95533 100644
--- a/src/Data/NominalAccounts/Identification/PayerData.php
+++ b/src/Data/NominalAccounts/Identification/PayerData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for payer information within an unidentified transaction.
+// RESPONSIBILITY: To hold and type-safely represent the details of the party who initiated a transaction that needs identification.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing payer details.
+// LINKS: UnidentifiedTransactionData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for payer details.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for payer information, which is critical for identifying the origin of an unidentified transaction.">
 class PayerData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a payer.">
+    // <BELIEF_STATE "The constructor includes various optional fields for identifying a payer, such as `inn`, `kpp`, `accountNumber`, `name`, and bank details (`bankAccount`, `bankBik`, `bankName`). All are optional as not all information may be available for an unidentified transaction.">
     public function __construct(
         public ?string $inn = null,
         public ?string $kpp = null,
@@ -15,4 +29,5 @@ class PayerData extends Data
         public ?string $bankBik = null,
         public ?string $bankName = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Identification/RefundUnidentifiedTransactionRequestData.php b/src/Data/NominalAccounts/Identification/RefundUnidentifiedTransactionRequestData.php
index e0f2896..64401b7 100644
--- a/src/Data/NominalAccounts/Identification/RefundUnidentifiedTransactionRequestData.php
+++ b/src/Data/NominalAccounts/Identification/RefundUnidentifiedTransactionRequestData.php
@@ -1,18 +1,33 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when refunding an unidentified transaction.
+// RESPONSIBILITY: To hold and validate all necessary information for initiating a refund for an unidentified transaction.
+// INPUTS: Account number, transaction ID, and digest signatures.
+// OUTPUTS: A structured, type-safe object for the `RefundUnidentifiedTransactionRequest` payload.
+// LINKS: Requests/NominalAccounts/Identification/RefundUnidentifiedTransactionRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO requires `DigestSignatureData` as a collection, so `DataCollectionOf` is used.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for refunding an unidentified transaction.">
+// <BELIEF_STATE "This DTO ensures the refund request payload is strictly typed and complete, preventing malformed requests for a critical financial operation.">
 class RefundUnidentifiedTransactionRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the refund request.">
+    // <BELIEF_STATE "The constructor includes mandatory fields: `accountNumber` and `id` to target the transaction, and `digestSignatures` for security and authorization.">
     public function __construct(
         public string $accountNumber,
         public string $id,
         #[DataCollectionOf(DigestSignatureData::class)]
         public DataCollection $digestSignatures,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Identification/RefundUnidentifiedTransactionResponseData.php b/src/Data/NominalAccounts/Identification/RefundUnidentifiedTransactionResponseData.php
index ff02014..ab26b96 100644
--- a/src/Data/NominalAccounts/Identification/RefundUnidentifiedTransactionResponseData.php
+++ b/src/Data/NominalAccounts/Identification/RefundUnidentifiedTransactionResponseData.php
@@ -1,13 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a refund request for an unidentified transaction.
+// RESPONSIBILITY: To hold and type-safely represent the outcome and status of an initiated refund operation.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing refund request status information.
+// LINKS: Requests/NominalAccounts/Identification/RefundUnidentifiedTransactionRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for the response of a refund request.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of a refund request, which is a critical financial operation.">
 class RefundUnidentifiedTransactionResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a refund request response.">
+    // <BELIEF_STATE "The `refundId` serves as a unique identifier for the specific refund operation, and `status` indicates its current state.">
     public function __construct(
         public string $refundId,
         public string $status,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Identification/UnidentifiedTransactionCollectionData.php b/src/Data/NominalAccounts/Identification/UnidentifiedTransactionCollectionData.php
index 7eacf08..4e83a8f 100644
--- a/src/Data/NominalAccounts/Identification/UnidentifiedTransactionCollectionData.php
+++ b/src/Data/NominalAccounts/Identification/UnidentifiedTransactionCollectionData.php
@@ -1,13 +1,27 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a paginated collection of unidentified transactions.
+// RESPONSIBILITY: To provide a structured, type-safe container for lists of unidentified transactions, including pagination metadata.
+// INPUTS: Raw JSON array from the API response.
+// OUTPUTS: An object containing pagination details and a collection of `UnidentifiedTransactionData`.
+// LINKS: Requests/NominalAccounts/Identification/GetUnidentifiedTransactionsRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This collection DTO relies on `UnidentifiedTransactionData` for individual items. `DataCollection` and `DataCollectionOf` are Spatie Data features for handling typed arrays of DTOs.">
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a collection of unidentified transactions.">
+// <BELIEF_STATE "A dedicated DTO for a collection ensures that the structure of paginated lists is consistent and type-safe, providing a reliable contract for consumers to manage unidentified transactions.">
 class UnidentifiedTransactionCollectionData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the unidentified transaction collection.">
+    // <BELIEF_STATE "The collection structure includes pagination metadata (`offset`, `limit`, `totalCount`) and the actual list of `unidentifiedTransactions`. The `#[DataCollectionOf(UnidentifiedTransactionData::class)]` attribute is crucial for ensuring that each item is automatically cast to its respective DTO.">
     public function __construct(
         public int $offset,
         public int $limit,
@@ -15,4 +29,5 @@ class UnidentifiedTransactionCollectionData extends Data
         #[DataCollectionOf(UnidentifiedTransactionData::class)]
         public ?DataCollection $unidentifiedTransactions = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Identification/UnidentifiedTransactionData.php b/src/Data/NominalAccounts/Identification/UnidentifiedTransactionData.php
index 138af10..224fa9a 100644
--- a/src/Data/NominalAccounts/Identification/UnidentifiedTransactionData.php
+++ b/src/Data/NominalAccounts/Identification/UnidentifiedTransactionData.php
@@ -1,17 +1,32 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single unidentified transaction.
+// RESPONSIBILITY: To hold and type-safely represent the details of a transaction that requires further identification.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing unidentified transaction details.
+// LINKS: UnidentifiedTransactionCollectionData.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for an unidentified transaction.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for transactions awaiting identification, which is critical for their eventual processing.">
 class UnidentifiedTransactionData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of an unidentified transaction.">
+    // <BELIEF_STATE "The constructor includes core transaction details like `id`, `amount`, and optional fields such as `documentNumber`, `date`, `purpose`, and `payer` information. The `payer` field is itself a nested DTO, ensuring detailed payer information is structured.">
     public function __construct(
         public string $id,
         public string $amount,
         public ?string $documentNumber = null,
         public ?string $date = null,
         public ?string $purpose = null,
-        public ?PayerData $payer = null,
+        public ?PayerData $payer = null, // Nested DTO for payer details
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/NominalAccountData.php b/src/Data/NominalAccounts/NominalAccountData.php
index c8f35e1..b1d38fe 100644
--- a/src/Data/NominalAccounts/NominalAccountData.php
+++ b/src/Data/NominalAccounts/NominalAccountData.php
@@ -1,13 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single nominal account.
+// RESPONSIBILITY: To hold and type-safely represent the core details of a nominal account, such as its number and active status.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing nominal account information.
+// LINKS: Requests/NominalAccounts/GetNominalAccountsRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a nominal account.">
+// <BELIEF_STATE "This DTO provides a simple, type-safe contract for basic nominal account information, ensuring consistency in how account details are presented.">
 class NominalAccountData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a nominal account.">
+    // <BELIEF_STATE "The constructor captures the `accountNumber` as the primary identifier and an `isActive` flag indicating the account's current status.">
     public function __construct(
         public string $accountNumber,
         public bool $isActive,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Payouts/DetailedPayoffData.php b/src/Data/NominalAccounts/Payouts/DetailedPayoffData.php
index bda2158..6234d03 100644
--- a/src/Data/NominalAccounts/Payouts/DetailedPayoffData.php
+++ b/src/Data/NominalAccounts/Payouts/DetailedPayoffData.php
@@ -1,20 +1,37 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a detailed payoff record.
+// RESPONSIBILITY: To hold and type-safely represent comprehensive information about a payoff, including payer, recipient, and financial details.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing detailed payoff information.
+// LINKS: Requests/NominalAccounts/Payouts/GetPayoffRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components for complex nested data structures.">
+// <BELIEF_STATE "This DTO uses nested `PayerInfoData` and `RecipientInfoData` DTOs to represent the parties involved in the payoff, requiring their imports.">
+use Apoloz\AlfaBank\Data\Shared\PayerInfoData;
+use Apoloz\AlfaBank\Data\Shared\RecipientInfoData;
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for detailed payoff records.">
+// <BELIEF_STATE "This DTO provides a comprehensive, type-safe contract for a complete payoff record, which is essential for audit trails and detailed reporting.">
 class DetailedPayoffData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties that describe a detailed payoff.">
+    // <BELIEF_STATE "The constructor includes a wide array of optional fields covering deal context (`dealId`, `stepId`), payment method (`paymentType`, `requisiteType`), involved parties (`payer`, `recipient`), financial details (`amount`, `purpose`), and status. The nested DTOs (`PayerInfoData`, `RecipientInfoData`) ensure detailed party information is also structured.">
     public function __construct(
         public ?string $dealId = null,
         public ?string $stepId = null,
         public ?string $paymentType = null,
         public ?string $requisiteType = null,
-        public ?array $payer = null,
-        public ?array $recipient = null,
+        public ?PayerInfoData $payer = null,
+        public ?RecipientInfoData $recipient = null,
         public ?string $amount = null,
         public ?string $purpose = null,
         public ?string $status = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Payouts/DigestSignatureData.php b/src/Data/NominalAccounts/Payouts/DigestSignatureData.php
index a61ba1a..a8ecce1 100644
--- a/src/Data/NominalAccounts/Payouts/DigestSignatureData.php
+++ b/src/Data/NominalAccounts/Payouts/DigestSignatureData.php
@@ -1,13 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a cryptographic digest signature.
+// RESPONSIBILITY: To hold and type-safely represent a base64-encoded signature and its type.
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing signature details.
+// LINKS: PayoffRequestData.php (uses this DTO), CreateBeneficiaryRequestData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for cryptographic digest signatures.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for handling digital signatures, which are critical for the authenticity and integrity of financial transactions.">
 class DigestSignatureData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a digest signature.">
+    // <BELIEF_STATE "The constructor includes the `base64Encoded` string of the signature and the `signatureType` (e.g., 'CMS', 'XMLDSig') to indicate the cryptographic standard used. Both are mandatory.">
     public function __construct(
         public string $base64Encoded,
         public string $signatureType,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Payouts/PayoffRequestData.php b/src/Data/NominalAccounts/Payouts/PayoffRequestData.php
index 8d5e638..09b71ba 100644
--- a/src/Data/NominalAccounts/Payouts/PayoffRequestData.php
+++ b/src/Data/NominalAccounts/Payouts/PayoffRequestData.php
@@ -1,13 +1,27 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when creating a new payoff.
+// RESPONSIBILITY: To hold and validate all necessary information for initiating a payment from a nominal account.
+// INPUTS: Payment type, account number, recipient details, amount, purpose, and digest signatures.
+// OUTPUTS: A structured, type-safe object for the `CreatePayoffRequest` payload.
+// LINKS: Requests/NominalAccounts/Payouts/CreatePayoffRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components for complex nested data structures.">
+// <BELIEF_STATE "This DTO orchestrates several other DTOs and collections (`RecipientData`, `PayoutRequisiteData`, `DigestSignatureData`), requiring `DataCollectionOf` for typed arrays.">
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for creating a new payoff request.">
+// <BELIEF_STATE "This DTO provides a robust contract for the complex payload required to initiate a payment. It ensures that all financial and security-critical data is strictly typed and correctly structured.">
 class PayoffRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the payoff request.">
+    // <BELIEF_STATE "The constructor includes mandatory fields like `type`, `accountNumber`, `recipient`, `payoutRequisite`, `amount`, `purpose`, and `digestSignatures`. Nested DTOs (`RecipientData`, `PayoutRequisiteData`) ensure detailed sub-structures are also type-safe. Optional fields like `deponent`, `requisites`, and `tax` provide flexibility for different payment scenarios.">
     public function __construct(
         public string $type,
         public string $accountNumber,
@@ -18,7 +32,8 @@ class PayoffRequestData extends Data
         #[DataCollectionOf(DigestSignatureData::class)]
         public DataCollection $digestSignatures,
         public ?string $deponent = null,
-        public ?array $requisites = null,
-        public ?array $tax = null,
+        public ?array $requisites = null, // Can be nested DTOs if defined
+        public ?array $tax = null, // Can be nested DTOs if defined
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Payouts/PayoffResponseData.php b/src/Data/NominalAccounts/Payouts/PayoffResponseData.php
index 8af7818..b37c6af 100644
--- a/src/Data/NominalAccounts/Payouts/PayoffResponseData.php
+++ b/src/Data/NominalAccounts/Payouts/PayoffResponseData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a payoff request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome and status of an initiated payment.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing payoff status information.
+// LINKS: Requests/NominalAccounts/Payouts/CreatePayoffRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for the response of a payoff request.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of a payment request, which is a critical financial operation.">
 class PayoffResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a payoff request response.">
+    // <BELIEF_STATE "The `payoffId` serves as a unique identifier for the specific payment operation, and `status` indicates its current state. An optional `description` can provide further details.">
     public function __construct(
         public string $payoffId,
         public string $status,
         public ?string $description = null,
     ) {}
+    // </SECTION>
 }
\ No newline at end of file
diff --git a/src/Data/NominalAccounts/Payouts/PayoutRequisiteData.php b/src/Data/NominalAccounts/Payouts/PayoutRequisiteData.php
index c417241..fe6a541 100644
--- a/src/Data/NominalAccounts/Payouts/PayoutRequisiteData.php
+++ b/src/Data/NominalAccounts/Payouts/PayoutRequisiteData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for payment requisite information within a payoff.
+// RESPONSIBILITY: To hold and type-safely represent the specific details of how a payment should be directed (e.g., card, account, phone number).
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing payment requisite details.
+// LINKS: PayoffRequestData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for payout requisite details.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for the specific payment channel (e.g., bank account, card, phone) to be used for a payoff, crucial for accurate fund delivery.">
 class PayoutRequisiteData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of payment requisites.">
+    // <BELIEF_STATE "The `type` field is mandatory to specify the payment method (e.g., 'CARD', 'ACCOUNT', 'PHONE'). Other fields are conditionally required based on the `type`, and include identifiers like `requisiteId`, `pan`, `phoneNumber`, `accountNumber`, and bank details like `bik` and `bankId`.">
     public function __construct(
         public string $type,
         public ?string $requisiteId = null,
@@ -15,4 +29,5 @@ class PayoutRequisiteData extends Data
         public ?string $accountNumber = null,
         public ?string $bik = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Payouts/RecipientData.php b/src/Data/NominalAccounts/Payouts/RecipientData.php
index 7d70475..968e6f4 100644
--- a/src/Data/NominalAccounts/Payouts/RecipientData.php
+++ b/src/Data/NominalAccounts/Payouts/RecipientData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for recipient information within a payoff.
+// RESPONSIBILITY: To hold and type-safely represent the details of the party receiving a payment.
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing recipient details.
+// LINKS: PayoffRequestData.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for recipient details.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for specifying who the payment is intended for, allowing for different identification methods (e.g., by `beneficiaryId`, `inn`, or `name`).">
 class RecipientData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a payment recipient.">
+    // <BELIEF_STATE "The `type` field is mandatory to indicate how the recipient is identified. Other fields like `name`, `inn`, `kpp`, and `beneficiaryId` provide flexible options for identifying the recipient, all of which are nullable to accommodate various scenarios.">
     public function __construct(
         public string $type,
         public ?string $name = null,
@@ -13,4 +27,5 @@ class RecipientData extends Data
         public ?string $kpp = null,
         public ?string $beneficiaryId = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/Payouts/TaxRefundRequestData.php b/src/Data/NominalAccounts/Payouts/TaxRefundRequestData.php
index b6ec26d..2df5c69 100644
--- a/src/Data/NominalAccounts/Payouts/TaxRefundRequestData.php
+++ b/src/Data/NominalAccounts/Payouts/TaxRefundRequestData.php
@@ -1,14 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a tax refund request payload.
+// RESPONSIBILITY: To provide a strongly-typed structure for initiating a tax refund for a beneficiary, including financial details, purpose, handling of remaining funds, and cryptographic signatures.
+// INPUTS: Beneficiary ID, refund amount, purpose, a flag to keep funds on the nominal account, and a collection of `DigestSignatureData`.
+// OUTPUTS: An instantiated DTO representing the tax refund request payload.
+// LINKS: Requests/NominalAccounts/Payouts/CreateTaxRefundRequest.php, Data/NominalAccounts/Payouts/DigestSignatureData.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import necessary classes for cryptographic signatures, data collection, and Laravel Data.">
+// <BELIEF_STATE "These imports are essential for constructing a secure and structured tax refund request. `DigestSignatureData` ensures the integrity and authenticity of the request, `DataCollectionOf` and `DataCollection` facilitate handling multiple signatures, and `Data` provides the foundational capabilities for data object mapping and validation.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the tax refund request data structure.">
+// <BELIEF_STATE "The `TaxRefundRequestData` DTO encapsulates all the necessary information to process a tax refund. It includes critical financial and beneficiary identifiers, along with a mechanism to handle remaining funds and mandatory cryptographic signatures to ensure request security and non-repudiation.">
 class TaxRefundRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the tax refund request DTO.">
+    // <BELIEF_STATE "Properties are defined directly in the constructor, leveraging PHP 8's property promotion for conciseness. Mandatory fields like `beneficiaryId`, `amount`, `purpose`, and `digestSignatures` ensure a complete request. `keepOnNominalAccount` provides control over fund disposition, and `requisiteId` allows for specific payout instructions.">
     public function __construct(
         public string $beneficiaryId,
         public string $amount,
@@ -18,4 +32,6 @@ class TaxRefundRequestData extends Data
         public DataCollection $digestSignatures,
         public ?string $requisiteId = null,
     ) {}
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Data/NominalAccounts/Payouts/TaxRefundResponseData.php b/src/Data/NominalAccounts/Payouts/TaxRefundResponseData.php
index 376218c..f5c6b8b 100644
--- a/src/Data/NominalAccounts/Payouts/TaxRefundResponseData.php
+++ b/src/Data/NominalAccounts/Payouts/TaxRefundResponseData.php
@@ -1,14 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a tax refund response payload.
+// RESPONSIBILITY: To provide a strongly-typed structure for the API's response to tax refund requests, including the unique identifier for the refund, its current status, and an optional descriptive message.
+// INPUTS: Raw array data from the tax refund API response.
+// OUTPUTS: An instantiated DTO representing the tax refund response.
+// LINKS: Requests/NominalAccounts/Payouts/CreateTaxRefundRequest.php, Requests/NominalAccounts/Payouts/GetTaxRefundStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import the base Spatie\LaravelData class.">
+// <BELIEF_STATE "This class extends `Spatie\LaravelData\Data` to leverage its robust data mapping and type safety, ensuring consistent and predictable handling of tax refund response payloads.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the tax refund response data structure.">
+// <BELIEF_STATE "The `TaxRefundResponseData` DTO encapsulates the key information returned after a tax refund operation. It primarily provides the `taxRefundId` for tracking, the `status` of the operation, and an optional `description` for additional context, allowing for clear programmatic and human-readable feedback.">
 class TaxRefundResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the tax refund response DTO.">
+    // <BELIEF_STATE "Properties are defined directly in the constructor for brevity and immutability. `taxRefundId` and `status` are crucial for identifying and understanding the state of the tax refund. `description` is nullable, providing flexibility for API responses that may not always include a detailed message.">
     public function __construct(
         public string $taxRefundId,
         public string $status,
         public ?string $description = null,
     ) {}
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Data/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequestData.php b/src/Data/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequestData.php
index 5627f4f..a0d2962 100644
--- a/src/Data/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequestData.php
+++ b/src/Data/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequestData.php
@@ -1,18 +1,33 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when creating a new universal recipient.
+// RESPONSIBILITY: To hold and validate all necessary information for registering a universal recipient.
+// INPUTS: Account number, type, and digest signatures.
+// OUTPUTS: A structured, type-safe object for the `CreateUniversalRecipientRequest` payload.
+// LINKS: Requests/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\UniversalRecipients;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO requires `DigestSignatureData` as a collection, so `DataCollectionOf` is used.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for creating a new universal recipient.">
+// <BELIEF_STATE "This DTO ensures the request payload is strictly typed and complete for creating a universal recipient.">
 class CreateUniversalRecipientRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the universal recipient creation request.">
+    // <BELIEF_STATE "The constructor includes mandatory fields: `accountNumber` and `type` to identify the recipient and its context, and `digestSignatures` for security and authorization.">
     public function __construct(
         public string $accountNumber,
         public string $type,
         #[DataCollectionOf(DigestSignatureData::class)]
         public DataCollection $digestSignatures,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/UniversalRecipients/UniversalRecipientData.php b/src/Data/NominalAccounts/UniversalRecipients/UniversalRecipientData.php
index 6fff41c..fbe54b8 100644
--- a/src/Data/NominalAccounts/UniversalRecipients/UniversalRecipientData.php
+++ b/src/Data/NominalAccounts/UniversalRecipients/UniversalRecipientData.php
@@ -1,15 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the core data structure for a single universal recipient.
+// RESPONSIBILITY: To hold and type-safely represent the core details of a universal recipient, such as its ID, type, and active status.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing universal recipient details.
+// LINKS: Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\UniversalRecipients;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for a single universal recipient's details.">
+// <BELIEF_STATE "This DTO provides a comprehensive, type-safe representation of a universal recipient, essential for consistent data handling across the SDK.">
 class UniversalRecipientData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties that describe a universal recipient.">
+    // <BELIEF_STATE "The constructor includes mandatory fields such as `universalRecipientId` (unique identifier), `isBeneficiary` (a flag indicating if it's also a beneficiary), `type`, and `isActive` (current status).">
     public function __construct(
         public string $universalRecipientId,
         public bool $isBeneficiary,
         public string $type,
         public bool $isActive,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/NominalAccounts/UniversalRecipients/UniversalRecipientResponseData.php b/src/Data/NominalAccounts/UniversalRecipients/UniversalRecipientResponseData.php
index e269134..e87b09b 100644
--- a/src/Data/NominalAccounts/UniversalRecipients/UniversalRecipientResponseData.php
+++ b/src/Data/NominalAccounts/UniversalRecipients/UniversalRecipientResponseData.php
@@ -1,9 +1,20 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response when creating a new universal recipient.
+// RESPONSIBILITY: To provide a structured, type-safe object representing the outcome of a universal recipient creation request.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: An object containing the request ID and status of the creation operation.
+// LINKS: Requests/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\NominalAccounts\UniversalRecipients;
 
+// <SECTION name="module_imports" intent="Import the base response DTO.">
+// <BELIEF_STATE "This DTO reuses `CreateBeneficiaryResponseData` as its base, indicating that the response structure for creating universal recipients is identical to that for beneficiaries. This promotes consistency and reduces code duplication.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\CreateBeneficiaryResponseData;
-use Spatie\LaravelData\Data;
+use Spatie\LaravelData\Data; // Included for clarity, though inherited from base DTO.
+// </SECTION>
 
-// Reuse response structure if identical (requestId, status)
+// <SECTION name="class_definition" intent="Define a DTO for the response of creating a universal recipient.">
+// <BELIEF_STATE "By extending `CreateBeneficiaryResponseData`, this DTO leverages an existing, validated structure, simplifying development and ensuring consistency in API response handling.">
 class UniversalRecipientResponseData extends CreateBeneficiaryResponseData {}
diff --git a/src/Data/Orders/OrderRequestData.php b/src/Data/Orders/OrderRequestData.php
new file mode 100644
index 0000000..7aaaea3
--- /dev/null
+++ b/src/Data/Orders/OrderRequestData.php
@@ -0,0 +1,12 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Orders;
+
+use Spatie\LaravelData\Data;
+
+class OrderRequestData extends Data
+{
+    public function __construct(
+        public array $order,
+    ) {}
+}
diff --git a/src/Data/Orders/OrderResponseData.php b/src/Data/Orders/OrderResponseData.php
new file mode 100644
index 0000000..30d89be
--- /dev/null
+++ b/src/Data/Orders/OrderResponseData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Orders;
+
+use Spatie\LaravelData\Data;
+
+class OrderResponseData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $status,
+    ) {}
+}
diff --git a/src/Data/PaginationData.php b/src/Data/PaginationData.php
index 7165d07..5161062 100644
--- a/src/Data/PaginationData.php
+++ b/src/Data/PaginationData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for pagination metadata.
+// RESPONSIBILITY: To hold and type-safely represent common pagination parameters like offset, limit, and total count.
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing pagination details.
+// LINKS: TransactionCollectionData.php, WebhookCollectionData.php
+*/
 
 namespace Apoloz\AlfaBank\Data;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for pagination metadata.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for pagination details, ensuring consistent handling of paginated API responses across the SDK.">
 class PaginationData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of pagination metadata.">
+    // <BELIEF_STATE "The constructor includes the `offset` (start index), `limit` (max items per page), and `totalCount` (total available items). These are fundamental for navigating paginated resources.">
     public function __construct(
         public int $offset,
         public int $limit,
         public int $totalCount
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/Partner/PartnerApplicationData.php b/src/Data/Partner/PartnerApplicationData.php
new file mode 100644
index 0000000..7793070
--- /dev/null
+++ b/src/Data/Partner/PartnerApplicationData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Partner;
+
+use Spatie\LaravelData\Data;
+
+class PartnerApplicationData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $status,
+        public ?string $date = null,
+    ) {}
+}
diff --git a/src/Data/Payments/PaymentData.php b/src/Data/Payments/PaymentData.php
new file mode 100644
index 0000000..9fe3575
--- /dev/null
+++ b/src/Data/Payments/PaymentData.php
@@ -0,0 +1,34 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Payments;
+
+use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
+use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
+use Spatie\LaravelData\DataCollection;
+
+class PaymentData extends Data
+{
+    public function __construct(
+        public float $amount,
+        public string $date,
+        public string $externalId,
+        public string $operationCode,
+        public string $payeeAccount,
+        public string $payeeBankBic,
+        public string $payeeName,
+        public string $payerAccount,
+        public string $payerBankBic,
+        public string $payerBankCorrAccount,
+        public string $payerInn,
+        public string $payerName,
+        public string $priority,
+        public string $purpose,
+        public ?string $number = null,
+        public ?string $payeeKpp = null,
+        public ?string $payeeBankCorrAccount = null,
+        public ?string $paymentType = null,
+        #[DataCollectionOf(DigestSignatureData::class)]
+        public ?DataCollection $digestSignatures = null,
+    ) {}
+}
diff --git a/src/Data/Payments/PaymentResponseData.php b/src/Data/Payments/PaymentResponseData.php
new file mode 100644
index 0000000..e8e050c
--- /dev/null
+++ b/src/Data/Payments/PaymentResponseData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Payments;
+
+use Spatie\LaravelData\Data;
+
+class PaymentResponseData extends Data
+{
+    public function __construct(
+        public ?string $id = null,
+        public ?string $status = null,
+    ) {}
+}
diff --git a/src/Data/Payments/PaymentStateData.php b/src/Data/Payments/PaymentStateData.php
new file mode 100644
index 0000000..a817a1e
--- /dev/null
+++ b/src/Data/Payments/PaymentStateData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Payments;
+
+use Spatie\LaravelData\Data;
+
+class PaymentStateData extends Data
+{
+    public function __construct(
+        public ?string $bankStatus = null,
+        public ?string $bankComment = null,
+        public ?string $crucialFieldsHash = null,
+    ) {}
+}
diff --git a/src/Data/Poa/PoaResponseData.php b/src/Data/Poa/PoaResponseData.php
new file mode 100644
index 0000000..c37b714
--- /dev/null
+++ b/src/Data/Poa/PoaResponseData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Poa;
+
+use Spatie\LaravelData\Data;
+
+class PoaResponseData extends Data
+{
+    public function __construct(
+        public ?string $requestUuid = null,
+        public ?string $status = null,
+    ) {}
+}
diff --git a/src/Data/Rates/OfficeRateData.php b/src/Data/Rates/OfficeRateData.php
new file mode 100644
index 0000000..2da73a8
--- /dev/null
+++ b/src/Data/Rates/OfficeRateData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Rates;
+
+use Spatie\LaravelData\Data;
+
+class OfficeRateData extends Data
+{
+    public function __construct(
+        public string $officeId,
+        public array $rates, // Can be refined
+    ) {}
+}
diff --git a/src/Data/Registries/RegistryPaymentData.php b/src/Data/Registries/RegistryPaymentData.php
new file mode 100644
index 0000000..795f8b1
--- /dev/null
+++ b/src/Data/Registries/RegistryPaymentData.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Registries;
+
+use Spatie\LaravelData\Data;
+
+class RegistryPaymentData extends Data
+{
+    public function __construct(
+        public float $amount,
+        public string $date,
+        public string $payeeAccount,
+        public string $payeeBankBic,
+        public string $payeeInn,
+        public string $payeeName,
+        public string $payerAccount,
+        public ?string $payerBankBic = null,
+        public ?string $payerInn = null,
+        public ?string $payerName = null,
+        public string $priority = '5',
+        public string $purpose = '',
+        public ?string $number = null,
+        public ?string $payeeKpp = null,
+        public ?string $payerKpp = null,
+        public ?array $departmentalInfo = null,
+    ) {}
+}
diff --git a/src/Data/Registries/RegistryRequestData.php b/src/Data/Registries/RegistryRequestData.php
new file mode 100644
index 0000000..1fa0a69
--- /dev/null
+++ b/src/Data/Registries/RegistryRequestData.php
@@ -0,0 +1,17 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Registries;
+
+use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
+use Spatie\LaravelData\DataCollection;
+
+class RegistryRequestData extends Data
+{
+    public function __construct(
+        #[DataCollectionOf(RegistryPaymentData::class)]
+        public DataCollection $payments,
+        public string $urgencyCode = 'NORMAL',
+        public ?string $description = null,
+    ) {}
+}
diff --git a/src/Data/Registries/RegistryResponseData.php b/src/Data/Registries/RegistryResponseData.php
new file mode 100644
index 0000000..7ccc52e
--- /dev/null
+++ b/src/Data/Registries/RegistryResponseData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Registries;
+
+use Spatie\LaravelData\Data;
+
+class RegistryResponseData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $status,
+    ) {}
+}
diff --git a/src/Data/Registries/RegistrySignatureData.php b/src/Data/Registries/RegistrySignatureData.php
new file mode 100644
index 0000000..367cdb6
--- /dev/null
+++ b/src/Data/Registries/RegistrySignatureData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Registries;
+
+use Spatie\LaravelData\Data;
+
+class RegistrySignatureData extends Data
+{
+    public function __construct(
+        public string $base64Encoded,
+        public string $signatureType,
+        public ?string $certificateUuid = null,
+    ) {}
+}
diff --git a/src/Data/Registries/SelfEncashmentData.php b/src/Data/Registries/SelfEncashmentData.php
new file mode 100644
index 0000000..cfed7ec
--- /dev/null
+++ b/src/Data/Registries/SelfEncashmentData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Registries;
+
+use Spatie\LaravelData\Data;
+
+class SelfEncashmentData extends Data
+{
+    public function __construct(
+        public array $items,
+        public ?string $description = null,
+    ) {}
+}
diff --git a/src/Data/Reports/AccountBalanceReportData.php b/src/Data/Reports/AccountBalanceReportData.php
new file mode 100644
index 0000000..ab80d0b
--- /dev/null
+++ b/src/Data/Reports/AccountBalanceReportData.php
@@ -0,0 +1,12 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Reports;
+
+use Spatie\LaravelData\Data;
+
+class AccountBalanceReportData extends Data
+{
+    public function __construct(
+        public array $accountNumbers,
+    ) {}
+}
diff --git a/src/Data/Salary/SalaryAccountApplicationData.php b/src/Data/Salary/SalaryAccountApplicationData.php
new file mode 100644
index 0000000..91e67cb
--- /dev/null
+++ b/src/Data/Salary/SalaryAccountApplicationData.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Salary;
+
+use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
+use Spatie\LaravelData\DataCollection;
+
+class SalaryAccountApplicationData extends Data
+{
+    public function __construct(
+        public string $applicationId,
+        public string $applicationCreatedAt,
+        public string $registryNumber,
+        public string $registryCreatedAt,
+        public string $contractNumber,
+        public string $bic,
+        public SalaryOrganizationData $organization,
+        public int $rowsCount,
+        #[DataCollectionOf(SalaryEmployeeData::class)]
+        public DataCollection $employees,
+        public string $currency = 'RUR',
+    ) {}
+}
diff --git a/src/Data/Salary/SalaryApplicationResponseData.php b/src/Data/Salary/SalaryApplicationResponseData.php
new file mode 100644
index 0000000..b836c8e
--- /dev/null
+++ b/src/Data/Salary/SalaryApplicationResponseData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Salary;
+
+use Spatie\LaravelData\Data;
+
+class SalaryApplicationResponseData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $status,
+        public ?string $type = null,
+    ) {}
+}
diff --git a/src/Data/Salary/SalaryEmployeeData.php b/src/Data/Salary/SalaryEmployeeData.php
new file mode 100644
index 0000000..d423ee8
--- /dev/null
+++ b/src/Data/Salary/SalaryEmployeeData.php
@@ -0,0 +1,21 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Salary;
+
+use Spatie\LaravelData\Data;
+
+class SalaryEmployeeData extends Data
+{
+    public function __construct(
+        public string $firstName,
+        public string $lastName,
+        public ?string $middleName = null,
+        public ?string $birthDate = null,
+        public ?string $mobilePhone = null,
+        public ?string $personnelNumber = null,
+        public ?float $amount = null,
+        public ?string $accountNumber = null,
+        public ?string $bankBic = null,
+        public ?string $rowId = null,
+    ) {}
+}
diff --git a/src/Data/Salary/SalaryOrganizationData.php b/src/Data/Salary/SalaryOrganizationData.php
new file mode 100644
index 0000000..322a50b
--- /dev/null
+++ b/src/Data/Salary/SalaryOrganizationData.php
@@ -0,0 +1,16 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Salary;
+
+use Spatie\LaravelData\Data;
+
+class SalaryOrganizationData extends Data
+{
+    public function __construct(
+        public string $fullname,
+        public string $accountNumber,
+        public string $inn,
+        public ?string $country = null,
+        public ?string $address = null,
+    ) {}
+}
diff --git a/src/Data/Salary/SalaryPayrollApplicationData.php b/src/Data/Salary/SalaryPayrollApplicationData.php
new file mode 100644
index 0000000..b121f45
--- /dev/null
+++ b/src/Data/Salary/SalaryPayrollApplicationData.php
@@ -0,0 +1,26 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Salary;
+
+use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
+use Spatie\LaravelData\DataCollection;
+
+class SalaryPayrollApplicationData extends Data
+{
+    public function __construct(
+        public string $applicationId,
+        public string $applicationCreatedAt,
+        public float $totalAmount,
+        public string $payrollId,
+        public string $admissionValue,
+        public string $registryNumber,
+        public string $registryCreatedAt,
+        public string $contractNumber,
+        public string $bic,
+        public SalaryOrganizationData $organization,
+        public int $rowsCount,
+        #[DataCollectionOf(SalaryEmployeeData::class)]
+        public DataCollection $employees,
+    ) {}
+}
diff --git a/src/Data/Sandbox/Payments/CreateRubPaymentRequestData.php b/src/Data/Sandbox/Payments/CreateRubPaymentRequestData.php
index ad8c983..c3f9048 100644
--- a/src/Data/Sandbox/Payments/CreateRubPaymentRequestData.php
+++ b/src/Data/Sandbox/Payments/CreateRubPaymentRequestData.php
@@ -1,14 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the request payload when creating a test RUB payment in the sandbox.
+// RESPONSIBILITY: To hold and validate all necessary information for simulating a ruble payment.
+// INPUTS: Various payment details for payer, payee, amount, purpose, and optional digital signatures.
+// OUTPUTS: A structured, type-safe object for the `CreateRubPaymentRequest` payload.
+// LINKS: Requests/Sandbox/Payments/CreateRubPaymentRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Data\Sandbox\Payments;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO can include `DigestSignatureData` as a collection, so `DataCollectionOf` is used for type safety.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\Data;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for creating a sandbox RUB payment.">
+// <BELIEF_STATE "This DTO provides a robust contract for simulating payments, ensuring all test payment data is strictly typed and correctly structured.">
 class CreateRubPaymentRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties for the test RUB payment request.">
+    // <BELIEF_STATE "The constructor includes comprehensive payment details covering `externalId`, `amount`, `date`, `number`, `operationCode`, full payer/payee information (`payeeAccount`, `payeeBankBic`, etc.), `purpose`, and default values for `priority` and `deliveryKind`. Optional fields like `digestSignatures` and departmental/VAT info provide flexibility for detailed testing.">
     public function __construct(
         public string $externalId,
         public float $amount,
@@ -25,7 +39,7 @@ class CreateRubPaymentRequestData extends Data
         public string $payerName,
         public string $purpose,
         public string $priority = '5',
-        public string $deliveryKind = 'электронно',
+        public string $deliveryKind = 'электронно', // "electronically"
         public string $urgencyCode = 'NORMAL',
         public ?string $payerKpp = null,
         public ?string $payeeKpp = null,
@@ -33,7 +47,8 @@ class CreateRubPaymentRequestData extends Data
         public ?string $payeeBankCorrAccount = null,
         #[DataCollectionOf(DigestSignatureData::class)]
         public ?DataCollection $digestSignatures = null,
-        public ?array $departmentalInfo = null,
-        public ?array $vat = null,
+        public ?array $departmentalInfo = null, // Can be a nested DTO
+        public ?array $vat = null, // Can be a nested DTO
     ) {}
+    // </SECTION>
 }
diff --git a/src/Data/Sandbox/SandboxTestResponseData.php b/src/Data/Sandbox/SandboxTestResponseData.php
new file mode 100644
index 0000000..2b009c1
--- /dev/null
+++ b/src/Data/Sandbox/SandboxTestResponseData.php
@@ -0,0 +1,12 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Sandbox;
+
+use Spatie\LaravelData\Data;
+
+class SandboxTestResponseData extends Data
+{
+    public function __construct(
+        public string $result,
+    ) {}
+}
diff --git a/src/Data/Scoring/ComplianceScoreData.php b/src/Data/Scoring/ComplianceScoreData.php
new file mode 100644
index 0000000..62fa0c2
--- /dev/null
+++ b/src/Data/Scoring/ComplianceScoreData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Scoring;
+
+use Spatie\LaravelData\Data;
+
+class ComplianceScoreData extends Data
+{
+    public function __construct(
+        public string $score,
+        public ?string $description = null,
+    ) {}
+}
diff --git a/src/Data/Security/SecuritySubscriptionData.php b/src/Data/Security/SecuritySubscriptionData.php
new file mode 100644
index 0000000..ee2d935
--- /dev/null
+++ b/src/Data/Security/SecuritySubscriptionData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Security;
+
+use Spatie\LaravelData\Data;
+
+class SecuritySubscriptionData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $name,
+        public bool $active,
+    ) {}
+}
diff --git a/src/Data/SelfEmployed/ActivityData.php b/src/Data/SelfEmployed/ActivityData.php
new file mode 100644
index 0000000..b234a92
--- /dev/null
+++ b/src/Data/SelfEmployed/ActivityData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\SelfEmployed;
+
+use Spatie\LaravelData\Data;
+
+class ActivityData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $name,
+    ) {}
+}
diff --git a/src/Data/SelfEmployed/AgreementLinkData.php b/src/Data/SelfEmployed/AgreementLinkData.php
new file mode 100644
index 0000000..7f0247b
--- /dev/null
+++ b/src/Data/SelfEmployed/AgreementLinkData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\SelfEmployed;
+
+use Spatie\LaravelData\Data;
+
+class AgreementLinkData extends Data
+{
+    public function __construct(
+        public string $link,
+        public ?string $requestId = null,
+    ) {}
+}
diff --git a/src/Data/SelfEmployed/AgreementPageRequestData.php b/src/Data/SelfEmployed/AgreementPageRequestData.php
new file mode 100644
index 0000000..2d20b60
--- /dev/null
+++ b/src/Data/SelfEmployed/AgreementPageRequestData.php
@@ -0,0 +1,15 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\SelfEmployed;
+
+use Spatie\LaravelData\Data;
+
+class AgreementPageRequestData extends Data
+{
+    public function __construct(
+        public ?string $phone = null,
+        public ?array $activities = null, // array of strings (activity IDs)
+        public ?array $regions = null, // array of strings (OKTMO)
+        public ?string $returnUrl = null,
+    ) {}
+}
diff --git a/src/Data/SelfEmployed/PayoutRequestData.php b/src/Data/SelfEmployed/PayoutRequestData.php
new file mode 100644
index 0000000..71f7d4a
--- /dev/null
+++ b/src/Data/SelfEmployed/PayoutRequestData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\SelfEmployed;
+
+use Spatie\LaravelData\Data;
+
+class PayoutRequestData extends Data
+{
+    public function __construct(
+        public string $externalId,
+        public array $company,
+        public array $requisite,
+    ) {}
+}
diff --git a/src/Data/SelfEmployed/PayoutResponseData.php b/src/Data/SelfEmployed/PayoutResponseData.php
new file mode 100644
index 0000000..8ede97e
--- /dev/null
+++ b/src/Data/SelfEmployed/PayoutResponseData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\SelfEmployed;
+
+use Spatie\LaravelData\Data;
+
+class PayoutResponseData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $status,
+    ) {}
+}
diff --git a/src/Data/SelfEmployed/TaxpayerStatusRequestData.php b/src/Data/SelfEmployed/TaxpayerStatusRequestData.php
new file mode 100644
index 0000000..b4f48fa
--- /dev/null
+++ b/src/Data/SelfEmployed/TaxpayerStatusRequestData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\SelfEmployed;
+
+use Spatie\LaravelData\Data;
+
+class TaxpayerStatusRequestData extends Data
+{
+    public function __construct(
+        public string $externalId,
+        public array $selfemployedVatinList,
+    ) {}
+}
diff --git a/src/Data/SelfEmployed/TaxpayerStatusResponseData.php b/src/Data/SelfEmployed/TaxpayerStatusResponseData.php
new file mode 100644
index 0000000..60139a9
--- /dev/null
+++ b/src/Data/SelfEmployed/TaxpayerStatusResponseData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\SelfEmployed;
+
+use Spatie\LaravelData\Data;
+
+class TaxpayerStatusResponseData extends Data
+{
+    public function __construct(
+        public string $requestId,
+        public string $externalId,
+        public array $taxpayerStatusList,
+    ) {}
+}
diff --git a/src/Data/Shared/DownloadedFileData.php b/src/Data/Shared/DownloadedFileData.php
new file mode 100644
index 0000000..45870d3
--- /dev/null
+++ b/src/Data/Shared/DownloadedFileData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Shared;
+
+use Spatie\LaravelData\Data;
+
+class DownloadedFileData extends Data
+{
+    public function __construct(
+        public string $content,
+        public int $size,
+        public ?string $filename = null,
+    ) {}
+}
diff --git a/src/Data/Shared/GeneralStatusData.php b/src/Data/Shared/GeneralStatusData.php
new file mode 100644
index 0000000..1f1c5e5
--- /dev/null
+++ b/src/Data/Shared/GeneralStatusData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Shared;
+
+use Spatie\LaravelData\Data;
+
+class GeneralStatusData extends Data
+{
+    public function __construct(
+        public bool $success,
+        public ?string $message = null,
+    ) {}
+}
diff --git a/src/Data/Shared/PayerInfoData.php b/src/Data/Shared/PayerInfoData.php
new file mode 100644
index 0000000..bfd89ef
--- /dev/null
+++ b/src/Data/Shared/PayerInfoData.php
@@ -0,0 +1,30 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines the data structure for basic payer information.
+// RESPONSIBILITY: To hold and type-safely represent core details of a party initiating a payment.
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing payer details.
+// LINKS: NominalAccounts/Payouts/DetailedPayoffData.php
+*/
+
+namespace Apoloz\AlfaBank\Data\Shared;
+
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
+use Spatie\LaravelData\Data;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define a DTO for payer information.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for payer details, essential for consistent data representation in various financial contexts.">
+class PayerInfoData extends Data
+{
+    // <SECTION name="constructor_properties" intent="Define the properties of a payer.">
+    // <BELIEF_STATE "The constructor includes mandatory fields like `accountNumber`, `name`, `inn` (Individual Taxpayer Number), and `kpp` (Reason for Registration Code). These are crucial for identifying the payer in Russian financial operations.">
+    public function __construct(
+        public string $accountNumber,
+        public string $name,
+        public string $inn,
+        public string $kpp,
+    ) {}
+    // </SECTION>
+}
diff --git a/src/Data/Shared/RecipientInfoData.php b/src/Data/Shared/RecipientInfoData.php
new file mode 100644
index 0000000..88ab288
--- /dev/null
+++ b/src/Data/Shared/RecipientInfoData.php
@@ -0,0 +1,31 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines the data structure for basic recipient information.
+// RESPONSIBILITY: To hold and type-safely represent core details of a party receiving a payment.
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing recipient details.
+// LINKS: NominalAccounts/Payouts/DetailedPayoffData.php
+*/
+
+namespace Apoloz\AlfaBank\Data\Shared;
+
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
+use Spatie\LaravelData\Data;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define a DTO for recipient information.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for recipient details, essential for consistent data representation in various financial contexts.">
+class RecipientInfoData extends Data
+{
+    // <SECTION name="constructor_properties" intent="Define the properties of a recipient.">
+    // <BELIEF_STATE "The constructor includes various optional fields for identifying a recipient: `beneficiaryId`, `accountNumber`, `bik` (Bank Identifier Code), `name`, and `inn`. These fields provide flexibility in how a recipient is specified.">
+    public function __construct(
+        public ?string $beneficiaryId = null,
+        public ?string $accountNumber = null,
+        public ?string $bik = null,
+        public ?string $name = null,
+        public ?string $inn = null,
+    ) {}
+    // </SECTION>
+}
diff --git a/src/Data/Statement/AmountData.php b/src/Data/Statement/AmountData.php
new file mode 100644
index 0000000..6c3f2f4
--- /dev/null
+++ b/src/Data/Statement/AmountData.php
@@ -0,0 +1,28 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an amount with its currency.
+// RESPONSIBILITY: To hold and type-safely represent a monetary value and its corresponding currency.
+// INPUTS: Raw JSON object or internal input.
+// OUTPUTS: A structured object containing amount and currency details.
+// LINKS: TransactionData.php
+*/
+
+namespace Apoloz\AlfaBank\Data\Statement;
+
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
+use Spatie\LaravelData\Data;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define a DTO for monetary amount data.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for representing financial amounts, ensuring that both the numerical value and its currency context are always explicit.">
+class AmountData extends Data
+{
+    // <SECTION name="constructor_properties" intent="Define the properties of a monetary amount.">
+    // <BELIEF_STATE "The constructor includes the `amount` (as a float, assuming precision is handled upstream or by casting) and the `currencyName` (e.g., 'RUB', 'USD'). Both are mandatory to fully describe a monetary value.">
+    public function __construct(
+        public float $amount,
+        public string $currencyName,
+    ) {}
+    // </SECTION>
+}
diff --git a/src/Data/Statement/RurTransferData.php b/src/Data/Statement/RurTransferData.php
new file mode 100644
index 0000000..5e8a99c
--- /dev/null
+++ b/src/Data/Statement/RurTransferData.php
@@ -0,0 +1,44 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines the data structure for detailed Russian Ruble (RUR) transfer information within a transaction.
+// RESPONSIBILITY: To hold and type-safely represent comprehensive details about the payer and payee in an RUR transfer.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing RUR transfer details.
+// LINKS: TransactionData.php
+*/
+
+namespace Apoloz\AlfaBank\Data\Statement;
+
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides other DTO benefits.">
+use Spatie\LaravelData\Data;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define a DTO for Russian Ruble transfer details.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for highly detailed RUR transfer information, which is critical for financial reconciliation and compliance with Russian banking standards.">
+class RurTransferData extends Data
+{
+    // <SECTION name="constructor_properties" intent="Define the comprehensive properties of an RUR transfer.">
+    // <BELIEF_STATE "The constructor includes a wide array of optional fields covering full payee and payer details (account, bank BIC, correspondent account, INN, KPP, name), as well as specific payment attributes like `paymentKind110`, `priority`, `receiptDate`, and `valueDate`. All are optional as not all fields may be present or relevant in every transaction record.">
+    public function __construct(
+        public ?string $payeeAccount = null,
+        public ?string $payeeBankBic = null,
+        public ?string $payeeBankCorrAccount = null,
+        public ?string $payeeBankName = null,
+        public ?string $payeeInn = null,
+        public ?string $payeeKpp = null,
+        public ?string $payeeName = null,
+        public ?string $payerAccount = null,
+        public ?string $payerBankBic = null,
+        public ?string $payerBankCorrAccount = null,
+        public ?string $payerBankName = null,
+        public ?string $payerInn = null,
+        public ?string $payerKpp = null,
+        public ?string $payerName = null,
+        public ?string $paymentKind110 = null,
+        public ?string $priority = null,
+        public ?string $receiptDate = null,
+        public ?string $valueDate = null,
+    ) {}
+    // </SECTION>
+}
diff --git a/src/Data/Statement/TransactionCollectionData.php b/src/Data/Statement/TransactionCollectionData.php
new file mode 100644
index 0000000..4875239
--- /dev/null
+++ b/src/Data/Statement/TransactionCollectionData.php
@@ -0,0 +1,32 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a paginated collection of TransactionData objects.
+// RESPONSIBILITY: To provide a structured, type-safe container for lists of account transactions returned by the API, including pagination metadata.
+// INPUTS: Raw JSON array from the API response.
+// OUTPUTS: An object containing pagination details and a collection of `TransactionData`.
+// LINKS: Requests/Statement/GetTransactionsRequest.php
+*/
+
+namespace Apoloz\AlfaBank\Data\Statement;
+
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This collection DTO relies on `PaginationData` for metadata and `TransactionData` for the individual items. `DataCollection` and `DataCollectionOf` are Spatie Data features for handling typed arrays of DTOs.">
+use Apoloz\AlfaBank\Data\PaginationData;
+use Spatie\LaravelData\Attributes\DataCollectionOf;
+use Spatie\LaravelData\Data;
+use Spatie\LaravelData\DataCollection;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define a DTO for a collection of account transactions.">
+// <BELIEF_STATE "A dedicated DTO for a collection ensures that the structure of paginated lists is consistent and type-safe, providing a reliable contract for consumers to manage financial statements.">
+class TransactionCollectionData extends Data
+{
+    // <SECTION name="constructor_properties" intent="Define the properties of the transaction collection.">
+    // <BELIEF_STATE "The collection structure includes pagination metadata (`pagination`) and the actual list of transactions (`transactions`). The `#[DataCollectionOf(TransactionData::class)]` attribute is crucial for ensuring that each item in the `transactions` array is automatically cast to a `TransactionData` DTO.">
+    public function __construct(
+        public PaginationData $pagination,
+        #[DataCollectionOf(TransactionData::class)]
+        public DataCollection $transactions
+    ) {}
+    // </SECTION>
+}
diff --git a/src/Data/Statement/TransactionData.php b/src/Data/Statement/TransactionData.php
new file mode 100644
index 0000000..1f59d2f
--- /dev/null
+++ b/src/Data/Statement/TransactionData.php
@@ -0,0 +1,36 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a single transaction record.
+// RESPONSIBILITY: To hold and type-safely represent the details of an individual account transaction.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing transaction details.
+// LINKS: TransactionCollectionData.php
+*/
+
+namespace Apoloz\AlfaBank\Data\Statement;
+
+// <SECTION name="module_imports" intent="Import necessary DTOs and Spatie Laravel Data components.">
+// <BELIEF_STATE "This DTO includes nested `AmountData` for monetary values and `RurTransferData` for detailed transfer information.">
+use Spatie\LaravelData\Data;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define a DTO for a single account transaction.">
+// <BELIEF_STATE "This DTO provides a comprehensive, type-safe representation of a transaction, essential for consistent data handling and financial reporting.">
+class TransactionData extends Data
+{
+    // <SECTION name="constructor_properties" intent="Define all properties that describe an account transaction.">
+    // <BELIEF_STATE "The constructor includes key identifiers like `uuid`, `transactionId`, `operationDate`, `number`, and `direction` (DEBIT/CREDIT). Crucially, `amount` and `amountRub` use the nested `AmountData` DTO to ensure monetary values are correctly associated with their currencies. `paymentPurpose` and `rurTransfer` provide additional context, with `rurTransfer` being another nested DTO for specific RUR details.">
+    public function __construct(
+        public string $uuid,
+        public string $transactionId,
+        public string $operationDate,
+        public string $number,
+        public string $direction, // DEBIT, CREDIT
+        public AmountData $amount, // Nested DTO for amount
+        public AmountData $amountRub, // Nested DTO for amount in RUB
+        public ?string $paymentPurpose = null,
+        public ?RurTransferData $rurTransfer = null, // Nested DTO for RUR specific transfer details
+        public ?string $correspondingAccount = null,
+    ) {}
+    // </SECTION>
+}
diff --git a/src/Data/Webhooks/Payloads/BaasWebhookData.php b/src/Data/Webhooks/Payloads/BaasWebhookData.php
new file mode 100644
index 0000000..0f5cf3e
--- /dev/null
+++ b/src/Data/Webhooks/Payloads/BaasWebhookData.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Webhooks\Payloads;
+
+class BaasWebhookData extends BaseWebhookData
+{
+    public function __construct(
+        public ?string $actionType = null,
+        public ?string $eventTime = null,
+        public ?string $object = null,
+        public ?array $data = null,
+        public ?string $organizationId = null,
+        public ?string $sub = null,
+    ) {
+        parent::__construct(
+            actionType: $actionType,
+            eventTime: $eventTime,
+            object: $object,
+            organizationId: $organizationId,
+            data: $data
+        );
+    }
+}
diff --git a/src/Data/Webhooks/Payloads/BaseWebhookData.php b/src/Data/Webhooks/Payloads/BaseWebhookData.php
new file mode 100644
index 0000000..0a07759
--- /dev/null
+++ b/src/Data/Webhooks/Payloads/BaseWebhookData.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Webhooks\Payloads;
+
+use Spatie\LaravelData\Data;
+
+class BaseWebhookData extends Data
+{
+    public function __construct(
+        // SBP Properties
+        public ?string $command = null,
+        public ?string $qrcId = null,
+        public ?string $status = null,
+        public ?string $errorCode = null,
+        public ?string $message = null,
+
+        // BaaS Properties
+        public ?string $actionType = null,
+        public ?string $object = null,
+        public ?string $eventTime = null,
+        public ?string $organizationId = null,
+        public ?array $data = null, // BaaS payload
+    ) {}
+}
diff --git a/src/Data/Webhooks/Payloads/SbpWebhookData.php b/src/Data/Webhooks/Payloads/SbpWebhookData.php
new file mode 100644
index 0000000..c9bdad2
--- /dev/null
+++ b/src/Data/Webhooks/Payloads/SbpWebhookData.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Webhooks\Payloads;
+
+class SbpWebhookData extends BaseWebhookData
+{
+    public function __construct(
+        public ?string $command = null,
+        public ?string $qrcId = null,
+        public ?string $status = null,
+        public ?string $trxId = null,
+        public ?int $amount = null,
+        public ?string $timestamp = null,
+        public ?string $payerId = null,
+        public ?string $payrrn = null,
+        public ?string $TermNo = null,
+    ) {
+        parent::__construct(
+            command: $command,
+            qrcId: $qrcId,
+            status: $status
+        );
+    }
+}
diff --git a/src/Data/Webhooks/Subscriptions/WebhookSubscriptionData.php b/src/Data/Webhooks/Subscriptions/WebhookSubscriptionData.php
new file mode 100644
index 0000000..b3dff75
--- /dev/null
+++ b/src/Data/Webhooks/Subscriptions/WebhookSubscriptionData.php
@@ -0,0 +1,14 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Webhooks\Subscriptions;
+
+use Spatie\LaravelData\Data;
+
+class WebhookSubscriptionData extends Data
+{
+    public function __construct(
+        public string $id,
+        public string $callbackUri,
+        public array $objects,
+    ) {}
+}
diff --git a/src/Data/Webhooks/Subscriptions/WebhookSubscriptionRequestData.php b/src/Data/Webhooks/Subscriptions/WebhookSubscriptionRequestData.php
new file mode 100644
index 0000000..3c5dea6
--- /dev/null
+++ b/src/Data/Webhooks/Subscriptions/WebhookSubscriptionRequestData.php
@@ -0,0 +1,13 @@
+<?php
+
+namespace Apoloz\AlfaBank\Data\Webhooks\Subscriptions;
+
+use Spatie\LaravelData\Data;
+
+class WebhookSubscriptionRequestData extends Data
+{
+    public function __construct(
+        public string $callbackUri,
+        public array $objects,
+    ) {}
+}
diff --git a/src/Enums/Environment.php b/src/Enums/Environment.php
index 69e1c9e..fcf67a7 100644
--- a/src/Enums/Environment.php
+++ b/src/Enums/Environment.php
@@ -1,9 +1,28 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the enumeration for API environments, providing distinct base URLs for production and sandbox for both BaaS and SBP.
+// RESPONSIBILITY: To centralize and provide type-safe access to the base URLs of Alfa Bank's various API environments, ensuring that the SDK connects to the correct endpoint based on the configured environment.
+// INPUTS: None (static definitions).
+// OUTPUTS: String values representing API base URLs.
+// LINKS: Core/AlfaConfig.php, Laravel/Config/alfa-bank.php
+*/
 
 namespace Apoloz\AlfaBank\Enums;
 
+// <SECTION name="enum_definition" intent="Define the API environment enumeration.">
+// <BELIEF_STATE "The `Environment` enum centralizes the base URLs for different Alfa Bank API environments (BaaS and SBP, production and sandbox). This approach provides a type-safe and easily manageable way to switch between API targets, preventing hardcoded URLs and improving maintainability. Each case maps directly to its respective API base URL.">
 enum Environment: string
 {
+    // <SECTION name="baas_environments" intent="Define base URLs for BaaS API environments.">
+    // <BELIEF_STATE "These cases represent the distinct base URLs for the BaaS (Core Banking API) in both production and sandbox modes. They are crucial for routing API requests to the correct Alfa Bank infrastructure.">
     case PRODUCTION = 'https://baas.alfabank.ru';
     case SANDBOX = 'https://sandbox.alfabank.ru';
+    // </SECTION>
+
+    // <SECTION name="sbp_environments" intent="Define base URLs for SBP API environments.">
+    // <BELIEF_STATE "These cases provide the base URLs for the SBP (Faster Payments System) API, distinguishing between production and sandbox endpoints. The sandbox URL specifically includes a port, which is common for testing environments requiring specific network configurations.">
+    case SBP_PRODUCTION = 'https://pay.alfabank.ru/fsCryptoProxy';
+    case SBP_SANDBOX = 'https://217.12.103.132:2443/fsCryptoProxy';
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Exceptions/AlfaBankException.php b/src/Exceptions/AlfaBankException.php
new file mode 100644
index 0000000..c353692
--- /dev/null
+++ b/src/Exceptions/AlfaBankException.php
@@ -0,0 +1,50 @@
+<?php
+/*
+// MODULE_CONTRACT: Defines a custom exception for all Alfa Bank API-specific errors.
+// RESPONSIBILITY: To wrap standard HTTP exceptions and provide a richer context, including the original API response, a specific error code, and a description.
+// INPUTS: Saloon Response object, and optional error code and description strings.
+// OUTPUTS: An instantiated Exception object.
+// LINKS: Http/Middleware/AlfaResponseMiddleware.php (where this exception is thrown)
+*/
+
+namespace Apoloz\AlfaBank\Exceptions;
+
+// <SECTION name="module_imports" intent="Import the base Saloon Response class.">
+// <BELIEF_STATE "The custom exception needs to hold the original Saloon `Response` object to give developers full access to the raw HTTP response for debugging purposes.">
+use Saloon\Http\Response;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define a custom exception that extends PHP's base Exception class.">
+// <BELIEF_STATE "Creating a dedicated `AlfaBankException` allows consumers of the SDK to write specific `catch` blocks to handle API errors differently from other runtime or HTTP exceptions, leading to more robust error handling logic.">
+class AlfaBankException extends \Exception
+{
+    // <SECTION name="constructor" intent="Create a new exception instance with rich context from the API response.">
+    // <BELIEF_STATE "The constructor's role is to build a helpful error message and store the critical API context (response, error code, description) within the exception itself, making it a self-contained source of debugging information.">
+    public function __construct(
+        protected Response $response,
+        protected ?string $errorCode = null,
+        protected ?string $errorDescription = null
+    ) {
+        $message = "Alfa Bank API Error: [{$errorCode}] {$errorDescription}";
+        parent::__construct($message, $response->status());
+    }
+    // </SECTION>
+
+    // <SECTION name="accessors" intent="Provide public methods to access the contextual data stored in the exception.">
+    // <BELIEF_STATE "Simple getter methods provide a clean and explicit API for retrieving the original response, the bank's specific error code, and the error description from the exception object in a `catch` block.">
+    public function getResponse(): Response
+    {
+        return $this->response;
+    }
+
+    public function getErrorCode(): ?string
+    {
+        return $this->errorCode;
+    }
+
+    public function getErrorDescription(): ?string
+    {
+        return $this->errorDescription;
+    }
+    // </SECTION>
+}
diff --git a/src/Http/Middleware/AlfaResponseMiddleware.php b/src/Http/Middleware/AlfaResponseMiddleware.php
new file mode 100644
index 0000000..391b74a
--- /dev/null
+++ b/src/Http/Middleware/AlfaResponseMiddleware.php
@@ -0,0 +1,61 @@
+<?php
+/*
+// MODULE_CONTRACT: Provides a Saloon middleware to standardize error handling for Alfa Bank API responses.
+// RESPONSIBILITY: To intercept API responses, identify various error formats (BaaS, SBP, or generic HTTP), and throw a consistent `AlfaBankException`, thereby centralizing error reporting and simplifying error management in the SDK.
+// INPUTS: Saloon `Response` object.
+// OUTPUTS: Throws an `AlfaBankException` if an error is detected; otherwise, allows the response to pass through unmodified.
+// LINKS: Exceptions/AlfaBankException.php, Core/AlfaBankConnector.php, Sbp/SbpConnector.php
+*/
+
+namespace Apoloz\AlfaBank\Http\Middleware;
+
+// <SECTION name="module_imports" intent="Import necessary classes for custom exception and Saloon Response.">
+// <BELIEF_STATE "These imports are crucial for the middleware's functionality. `AlfaBankException` provides a standardized way to signal API errors within the SDK, while `Response` from Saloon is the object that the middleware processes.">
+use Apoloz\AlfaBank\Exceptions\AlfaBankException;
+use Saloon\Http\Response;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the Alfa Bank API response error handling middleware.">
+// <BELIEF_STATE "The `AlfaResponseMiddleware` is a critical component for robust error handling. It acts as an intermediary, inspecting every API response to detect specific error patterns from both BaaS and SBP endpoints, as well as generic HTTP failures. By consolidating diverse error indicators into a single, predictable `AlfaBankException`, it significantly streamlines error management for consumers of the SDK.">
+class AlfaResponseMiddleware
+{
+    // <SECTION name="invoke_method" intent="Process the API response for errors.">
+    // <BELIEF_STATE "The `__invoke` method is the entry point for this middleware, allowing it to be used as a callable. It systematically checks the response JSON for known error structures: first for standard BaaS errors (`error`), then for SBP-specific errors (`ErrorCode`), and finally for any generic HTTP failures. If an error is found, it constructs and throws an `AlfaBankException`, providing comprehensive context about the failure.">
+    public function __invoke(Response $response): void
+    {
+        $contentType = $response->header('Content-Type') ?? '';
+        
+        if (str_contains($contentType, 'application/json')) {
+            $data = $response->json();
+
+            // 1. Handle standard BaaS errors
+            if (isset($data['error'])) {
+                throw new AlfaBankException(
+                    $response,
+                    $data['error'],
+                    $data['error_description'] ?? 'No description'
+                );
+            }
+
+            // 2. Handle SBP specific errors
+            if (isset($data['ErrorCode']) && (string)$data['ErrorCode'] !== '0') {
+                throw new AlfaBankException(
+                    $response,
+                    (string)$data['ErrorCode'],
+                    $data['message'] ?? 'No message'
+                );
+            }
+        }
+
+        // 3. Handle generic HTTP errors without body or non-json body
+        if ($response->failed()) {
+            throw new AlfaBankException(
+                $response,
+                'HTTP_' . $response->status(),
+                'Request failed with status ' . $response->status()
+            );
+        }
+    }
+    // </SECTION>
+}
+// </SECTION>
diff --git a/src/Http/Middleware/LoggingMiddleware.php b/src/Http/Middleware/LoggingMiddleware.php
new file mode 100644
index 0000000..91b7206
--- /dev/null
+++ b/src/Http/Middleware/LoggingMiddleware.php
@@ -0,0 +1,79 @@
+<?php
+/*
+// MODULE_CONTRACT: Provides a Saloon middleware for logging API requests and responses, with sensitive data masking.
+// RESPONSIBILITY: To intercept and log outgoing API requests and incoming API responses, providing visibility into the communication flow for debugging and monitoring purposes, while also sanitizing sensitive information from logs to maintain security and compliance.
+// INPUTS: Psr\Log\LoggerInterface for logging; Saloon `Request` and `Response` objects.
+// OUTPUTS: Logs detailed request and response information (with masked sensitive data) to the configured logger.
+// LINKS: Core/AlfaBankConnector.php, Sbp/SbpConnector.php, README.md#logging
+*/
+
+namespace Apoloz\AlfaBank\Http\Middleware;
+
+// <SECTION name="module_imports" intent="Import necessary classes for logging and Saloon HTTP components.">
+// <BELIEF_STATE "These imports are fundamental for the logging middleware. `LoggerInterface` from PSR-3 defines the contract for logging, allowing flexibility in the choice of logging implementation. `Request` and `Response` from Saloon are the HTTP objects that this middleware will observe and log, providing insights into the API communication lifecycle.">
+use Psr\Log\LoggerInterface;
+use Saloon\Http\PendingRequest;
+use Saloon\Http\Response;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the API request and response logging middleware.">
+// <BELIEF_STATE "The `LoggingMiddleware` plays a crucial role in the observability of the SDK. By implementing `onRequest` and `onResponse` methods, it captures detailed information about HTTP interactions, including headers and body. Crucially, it incorporates sensitive data masking to prevent credentials and personal information from being exposed in logs, balancing transparency with security and compliance requirements.">
+class LoggingMiddleware
+{
+    // <SECTION name="constructor_definition" intent="Initialize the middleware with a logger instance.">
+    // <BELIEF_STATE "The constructor injects a `LoggerInterface` instance, making the logging functionality easily testable and configurable. This adheres to dependency inversion principles, allowing the middleware to log messages without being tightly coupled to a specific logging implementation.">
+    public function __construct(protected LoggerInterface $logger) {}
+    // </SECTION>
+
+    // <SECTION name="on_request_method" intent="Log outgoing API requests.">
+    // <BELIEF_STATE "The `onRequest` method intercepts each outgoing HTTP request. It logs the request method and endpoint, along with masked headers and body content. Masking of sensitive information like authorization headers and payment data is performed by `maskHeaders` and `maskBody` methods, ensuring that debugging logs do not compromise security.">
+    public function onRequest(PendingRequest $request): void
+    {
+        $this->logger->info("AlfaBank Request: {$request->getMethod()->value} {$request->getRequest()->resolveEndpoint()}", [
+            'headers' => $this->maskHeaders($request->headers()->all()),
+            'body' => $this->maskBody($request->body()?->all()),
+        ]);
+    }
+    // </SECTION>
+
+    // <SECTION name="on_response_method" intent="Log incoming API responses.">
+    // <BELIEF_STATE "The `onResponse` method intercepts each incoming HTTP response. It logs the response status and the masked response body. This provides valuable information for debugging API integrations and understanding the server's responses, all while maintaining the privacy of potentially sensitive data within the response payload.">
+    public function onResponse(Response $response): void
+    {
+        $this->logger->info("AlfaBank Response: {$response->status()}", [
+            'body' => $this->maskBody($response->json()),
+        ]);
+    }
+    // </SECTION>
+
+    // <SECTION name="mask_headers_method" intent="Mask sensitive information in HTTP headers.">
+    // <BELIEF_STATE "This protected helper method iterates through the request headers and replaces the `Authorization` header's value with a generic placeholder. This prevents sensitive tokens from being inadvertently exposed in logs, which is a crucial security measure.">
+    protected function maskHeaders(array $headers): array
+    {
+        if (isset($headers['Authorization'])) {
+            $headers['Authorization'] = 'Bearer *****';
+        }
+        return $headers;
+    }
+    // </SECTION>
+
+    // <SECTION name="mask_body_method" intent="Mask sensitive information in request/response bodies.">
+    // <BELIEF_STATE "This protected recursive helper method inspects the request or response body for predefined sensitive keys (e.g., `pan`, `client_secret`). If a sensitive key is found, its value is replaced with a mask. The method recursively processes nested arrays, ensuring that sensitive data is masked even within complex JSON structures, thereby enhancing log security.">
+    protected function maskBody(mixed $body): mixed
+    {
+        if (!is_array($body)) return $body;
+
+        $sensitiveKeys = ['pan', 'cvc', 'digestSignatures', 'client_secret', 'refresh_token', 'access_token'];
+
+        foreach ($body as $key => $value) {
+            if (in_array($key, $sensitiveKeys, true)) {
+                $body[$key] = '*****';
+            } elseif (is_array($value)) {
+                $body[$key] = $this->maskBody($value);
+            }
+        }
+        return $body;
+    }
+    // </SECTION>
+}
+// </SECTION>
diff --git a/src/Http/Middleware/RequestIdMiddleware.php b/src/Http/Middleware/RequestIdMiddleware.php
new file mode 100644
index 0000000..26d5729
--- /dev/null
+++ b/src/Http/Middleware/RequestIdMiddleware.php
@@ -0,0 +1,32 @@
+<?php
+/*
+// MODULE_CONTRACT: Provides a Saloon middleware to ensure each API request includes a unique `X-Request-ID` header.
+// RESPONSIBILITY: To automatically generate and attach a UUID-based `X-Request-ID` header to outgoing API requests if one is not already present, thereby facilitating request tracking, idempotency, and debugging across distributed systems.
+// INPUTS: Saloon `PendingRequest` object.
+// OUTPUTS: Modified `PendingRequest` with an `X-Request-ID` header.
+// LINKS: Core/AlfaBankConnector.php, Sbp/SbpConnector.php, README.md#request-tracking
+*/
+
+namespace Apoloz\AlfaBank\Http\Middleware;
+
+// <SECTION name="module_imports" intent="Import necessary classes for Saloon PendingRequest.">
+// <BELIEF_STATE "These imports are critical for the middleware's operation. `PendingRequest` from Saloon represents the request being prepared for dispatch, allowing modification before sending.">
+use Apoloz\AlfaBank\Utils\Uuid;
+use Saloon\Http\PendingRequest;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the Request ID generation middleware.">
+// <BELIEF_STATE "The `RequestIdMiddleware` is a lightweight yet crucial component for API observability and idempotency. It ensures that every outgoing request is uniquely identifiable through an `X-Request-ID` header. This is invaluable for tracing requests through complex microservice architectures, debugging issues, and preventing duplicate processing on the server-side, adhering to best practices for API communication.">
+class RequestIdMiddleware
+{
+    // <SECTION name="invoke_method" intent="Add a unique X-Request-ID header to the pending request.">
+    // <BELIEF_STATE "The `__invoke` method is executed for each outgoing API request. It first checks if an `X-Request-ID` header already exists. If not, it generates a new unique ID and adds it to the request headers. This conditional logic ensures that existing IDs are respected while guaranteeing that every request has a unique identifier, making request tracking reliable and automatic.">
+    public function __invoke(PendingRequest $pendingRequest): void
+    {
+        if (!$pendingRequest->headers()->get('X-Request-ID')) {
+            $pendingRequest->headers()->add('X-Request-ID', Uuid::v4());
+        }
+    }
+    // </SECTION>
+}
+// </SECTION>
diff --git a/src/Http/Pagination/AlfaOffsetPaginator.php b/src/Http/Pagination/AlfaOffsetPaginator.php
new file mode 100644
index 0000000..9edfdd4
--- /dev/null
+++ b/src/Http/Pagination/AlfaOffsetPaginator.php
@@ -0,0 +1,62 @@
+<?php
+
+namespace Apoloz\AlfaBank\Http\Pagination;
+
+use Saloon\Http\Connector;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\PaginationPlugin\OffsetPaginator;
+use Spatie\LaravelData\DataCollection;
+
+class AlfaOffsetPaginator extends OffsetPaginator
+{
+    protected ?int $perPageLimit = 100;
+
+    public function __construct(Connector $connector, Request $request)
+    {
+        parent::__construct($connector, $request);
+
+        if (method_exists($request, 'getLimit')) {
+            $limit = $request->getLimit();
+            if (is_int($limit)) {
+                $this->perPageLimit = $limit;
+            }
+        }
+    }
+
+    protected function isLastPage(Response $response): bool
+    {
+        $items = $this->getPageItems($response, $this->request);
+        
+        return count($items) < $this->perPageLimit;
+    }
+
+    protected function getPageItems(Response $response, Request $request): array
+    {
+        // 1. Try to extract items from DTO if available
+        if (method_exists($request, 'createDtoFromResponse')) {
+            try {
+                $dto = $response->dto();
+                if ($dto instanceof DataCollection) {
+                    return $dto->toCollection()->all();
+                }
+            } catch (\Throwable $e) {
+                // Fallback to raw json if DTO fails
+                echo "DTO Error: " . $e->getMessage() . "\n";
+            }
+        }
+
+        // 2. Fallback to raw JSON strategies
+        $json = $response->json();
+
+        // Common keys in Alfa API
+        if (isset($json['transactions'])) return $json['transactions'];
+        if (isset($json['payments'])) return $json['payments'];
+        if (isset($json['accounts'])) return $json['accounts'];
+        
+        // If it's a direct array (some endpoints)
+        if (array_is_list($json)) return $json;
+
+        return [];
+    }
+}
\ No newline at end of file
diff --git a/src/Laravel/AlfaBankServiceProvider.php b/src/Laravel/AlfaBankServiceProvider.php
index 8e9b9c4..693346a 100644
--- a/src/Laravel/AlfaBankServiceProvider.php
+++ b/src/Laravel/AlfaBankServiceProvider.php
@@ -1,46 +1,120 @@
 <?php
+/*
+// MODULE_CONTRACT: Integrates the Alfa Bank SDK into the Laravel framework's Service Container (IoC).
+// RESPONSIBILITY: To register and configure all necessary SDK services, connectors, and interfaces, making them available for dependency injection throughout a Laravel application.
+// INPUTS: Laravel application container, configuration from `config/alfa-bank.php`.
+// OUTPUTS: Fully configured and injectable Connector and Service instances.
+// LINKS: config/alfa-bank.php, AlfaBankConnector.php, SbpConnector.php
+*/
 
 namespace Apoloz\AlfaBank\Laravel;
 
-use Apoloz\AlfaBank\AlfaBankConnector;
+// <SECTION name="module_imports" intent="Import SDK core components and Laravel framework base classes required for service registration.">
+use Apoloz\AlfaBank\Contracts\EncryptorInterface;
+use Apoloz\AlfaBank\Contracts\SignerInterface;
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
 use Apoloz\AlfaBank\Enums\Environment;
+use Apoloz\AlfaBank\Services\OpenSslCmsSigner;
+use Apoloz\AlfaBank\Services\PhpseclibCardEncryptor;
 use Apoloz\AlfaBank\Sbp\SbpConnector;
+use Apoloz\AlfaBank\Laravel\Middleware\VerifyAlfaWebhook;
+use Apoloz\AlfaBank\Laravel\Http\Controllers\AlfaWebhookController;
 use Illuminate\Support\ServiceProvider;
+use Illuminate\Support\Facades\Route;
+// </SECTION>
 
 class AlfaBankServiceProvider extends ServiceProvider
 {
+    /**
+     * Register any application services.
+     */
     public function register(): void
     {
         $this->mergeConfigFrom(__DIR__ . '/Config/alfa-bank.php', 'alfa-bank');
 
-        $this->app->singleton(AlfaBankConnector::class, function ($app) {
-            $config = $app['config']['alfa-bank.baas'];
+        $this->app->singleton('alfa.baas.config', function ($app) {
+            $conf = $app['config']['alfa-bank.baas'];
+            return new AlfaConfig(
+                baseUrl: $conf['environment'] === 'production' ? Environment::PRODUCTION->value : Environment::SANDBOX->value,
+                certificatePath: $conf['certificate_path'],
+                privateKeyPath: $conf['private_key_path'],
+                caBundlePath: $conf['ca_bundle'] ?? null,
+                clientId: $conf['client_id'],
+                clientSecret: $conf['client_secret'],
+                signingCertificatePath: $conf['signing_certificate_path'] ?? null,
+                signingPrivateKeyPath: $conf['signing_private_key_path'] ?? null,
+            );
+        });
+
+        $this->app->bind(SignerInterface::class, function ($app) {
+            /** @var AlfaConfig $config */
+            $config = $app->make('alfa.baas.config');
+            $cert = $config->signingCertificatePath ?: $config->certificatePath;
+            $key = $config->signingPrivateKeyPath ?: $config->privateKeyPath;
             
+            return new OpenSslCmsSigner($cert, $key);
+        });
+        
+        $this->app->bind(EncryptorInterface::class, function ($app) {
+            $key = $app['config']['alfa-bank.encryption.card_public_key'] ?? '';
+            return new PhpseclibCardEncryptor($key); 
+        });
+
+        $this->app->singleton(AlfaBankConnector::class, function ($app) {
             return new AlfaBankConnector(
-                certificatePath: $config['certificate_path'],
-                privateKeyPath: $config['private_key_path'],
-                environment: $config['environment'] === 'production' ? Environment::PRODUCTION : Environment::SANDBOX
+                alfaConfig: $app->make('alfa.baas.config'),
+                signer: $app->make(SignerInterface::class)
+            );
+        });
+        $this->app->alias(AlfaBankConnector::class, 'alfa.baas');
+
+        $this->app->singleton('alfa.sbp.config', function ($app) {
+            $conf = $app['config']['alfa-bank.sbp'];
+            return new AlfaConfig(
+                baseUrl: $conf['environment'] === 'production' ? Environment::SBP_PRODUCTION->value : Environment::SBP_SANDBOX->value,
+                certificatePath: $conf['certificate_path'],
+                privateKeyPath: $conf['private_key_path'],
+                caBundlePath: $conf['ca_bundle'] ?? null,
+                signingCertificatePath: $conf['signing_certificate_path'] ?? null,
+                signingPrivateKeyPath: $conf['signing_private_key_path'] ?? null,
             );
         });
 
         $this->app->singleton(SbpConnector::class, function ($app) {
             $config = $app['config']['alfa-bank.sbp'];
-            
             return new SbpConnector(
-                certificatePath: $config['certificate_path'],
-                privateKeyPath: $config['private_key_path'],
-                keyNameAlias: $config['key_name_alias'],
-                environment: $config['environment'] === 'production' ? Environment::PRODUCTION : Environment::SANDBOX
+                alfaConfig: $app->make('alfa.sbp.config'),
+                keyNameAlias: $config['key_name_alias']
             );
         });
+        $this->app->alias(SbpConnector::class, 'alfa.sbp');
     }
 
+    /**
+     * Bootstrap any application services.
+     */
     public function boot(): void
     {
         if ($this->app->runningInConsole()) {
             $this->publishes([
                 __DIR__ . '/Config/alfa-bank.php' => config_path('alfa-bank.php'),
             ], 'alfa-bank-config');
+
+            $this->commands([
+                \Apoloz\AlfaBank\Laravel\Commands\CheckConnectionCommand::class,
+            ]);
+        }
+
+        if ($this->app->bound('router')) {
+            $router = $this->app->make('router');
+            $router->aliasMiddleware('alfa.webhook', VerifyAlfaWebhook::class);
+            
+            Route::macro('alfaWebhooks', function (string $url) {
+                return Route::post($url, AlfaWebhookController::class)
+                    ->name('alfa.webhooks')
+                    ->middleware('alfa.webhook');
+            });
         }
     }
 }
diff --git a/src/Laravel/Commands/CheckConnectionCommand.php b/src/Laravel/Commands/CheckConnectionCommand.php
new file mode 100644
index 0000000..e63586b
--- /dev/null
+++ b/src/Laravel/Commands/CheckConnectionCommand.php
@@ -0,0 +1,114 @@
+<?php
+/*
+// MODULE_CONTRACT: Provides a Laravel Artisan command to verify Alfa Bank SDK configuration and mTLS certificates.
+// RESPONSIBILITY: To offer a diagnostic tool for developers to check the presence and validity of mTLS certificates, and to perform a basic connection test to Alfa Bank's API endpoints, aiding in environment setup and troubleshooting.
+// INPUTS: None (command-line execution).
+// OUTPUTS: Command-line output indicating the status of certificate files, their validity, and the success/failure of API connection attempts.
+// LINKS: Laravel/AlfaBankServiceProvider.php, Core/AlfaConfig.php, README.md#troubleshooting
+*/
+
+namespace Apoloz\AlfaBank\Laravel\Commands;
+
+// <SECTION name="module_imports" intent="Import necessary classes for API connectors and Laravel Artisan command.">
+// <BELIEF_STATE "These imports are fundamental for the command's operation. `AlfaBankConnector` and `SbpConnector` are used to perform connection tests, while `Command` from Laravel's console component provides the base functionality for creating an Artisan command.">
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Sbp\SbpConnector;
+use Illuminate\Console\Command;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the Alfa Bank SDK connection check Artisan command.">
+// <BELIEF_STATE "The `CheckConnectionCommand` extends Laravel's `Command` class to provide a convenient CLI tool for validating the SDK's setup. It defines the command's signature and description, making it discoverable via `php artisan list`, and encapsulates the logic for diagnostics, improving developer experience by simplifying troubleshooting.">
+class CheckConnectionCommand extends Command
+{
+    // <SECTION name="command_signature_and_description" intent="Define the command's name and description.">
+    // <BELIEF_STATE "The `$signature` property (`alfa:check`) makes the command executable via Artisan. The `$description` provides a clear summary of the command's purpose, aiding in user understanding when viewing `php artisan list`.">
+    protected $signature = 'alfa:check';
+    protected $description = 'Verify Alfa Bank SDK configuration and mTLS certificates';
+    // </SECTION>
+
+    // <SECTION name="handle_method" intent="Execute the command logic.">
+    // <BELIEF_STATE "The `handle` method serves as the entry point for the command's execution. It initiates the diagnostic process by informing the user and then calls `checkConnector` for both BaaS and SBP configurations, centralizing the diagnostic flow.">
+    public function handle(): void
+    {
+        $this->info('Starting Alfa Bank SDK Diagnostics...');
+
+        $this->checkConnector('BaaS (Nominal Accounts)', 'alfa-bank.baas');
+        $this->checkConnector('SBP (Faster Payments)', 'alfa-bank.sbp');
+    }
+    // </SECTION>
+
+    // <SECTION name="check_connector_method" intent="Perform diagnostics for a specific connector configuration.">
+    // <BELIEF_STATE "This private helper method encapsulates the detailed diagnostic steps for a given connector (BaaS or SBP). It checks for the existence of certificate and private key files, validates certificate expiry, and attempts a basic API connection. This modular design promotes reusability and clarity, ensuring a thorough check for each API integration point.">
+    private function checkConnector(string $name, string $configKey): void
+    {
+        $this->newLine();
+        $this->info("Checking {$name} configuration...");
+
+        $certPath = (string) config("{$configKey}.certificate_path");
+        $keyPath = (string) config("{$configKey}.private_key_path");
+
+        // 1. Check Files
+        if (!file_exists($certPath)) {
+            $this->error("❌ Certificate not found at: {$certPath}");
+            return;
+        } else {
+            $this->comment("✅ Certificate found");
+        }
+
+        if (!file_exists($keyPath)) {
+            $this->error("❌ Private Key not found at: {$keyPath}");
+            return;
+        } else {
+            $this->comment("✅ Private Key found");
+        }
+
+        // 2. Validate Cert Expiry
+        $certContent = (string) file_get_contents($certPath);
+        $certInfo = openssl_x509_parse($certContent);
+        
+        if ($certInfo && isset($certInfo['validTo_time_t'])) {
+            $validTo = new \DateTimeImmutable('@' . $certInfo['validTo_time_t']);
+            $now = new \DateTimeImmutable();
+            if ($validTo < $now) {
+                $this->error("❌ Certificate EXPIRED on: " . $validTo->format('Y-m-d H:i:s'));
+            } else {
+                $diff = $now->diff($validTo);
+                $days = $diff->days;
+                $this->comment("✅ Certificate valid until: " . $validTo->format('Y-m-d') . " ({$days} days remaining)");
+            }
+        } else {
+            $this->warn("⚠️ Could not parse certificate date.");
+        }
+
+        // 3. Attempt Connection (Ping)
+        $this->comment("Attempting TLS Handshake...");
+        
+        try {
+            // We resolve the connector from container to use the config
+            $connector = $name === 'BaaS (Nominal Accounts)' 
+                ? app(AlfaBankConnector::class) 
+                : app(SbpConnector::class);
+
+            // Simple GET to the base URL (or a health endpoint) just to test SSL handshake
+            // We don't need a valid token, we just want to see if we get a 401/403 instead of a connection error
+            $connector->send(new class extends \Saloon\Http\Request {
+                protected \Saloon\Enums\Method $method = \Saloon\Enums\Method::GET;
+                public function resolveEndpoint(): string { return '/'; }
+            });
+            
+            // If we are here, SSL worked!
+            $this->info("✅ Connection Successful! (Handshake completed)");
+
+        } catch (\Exception $e) {
+            // Check if it's an SSL error
+            if (str_contains($e->getMessage(), 'certificate') || str_contains($e->getMessage(), 'SSL')) {
+                $this->error("❌ SSL/TLS Error: " . $e->getMessage());
+            } else {
+                // Other errors (like 404/401) mean SSL worked but endpoint failed, which is GOOD for this check
+                $this->info("✅ Connection Successful! (Server responded: {$e->getMessage()})");
+            }
+        }
+    }
+    // </SECTION>
+}
+// </SECTION>
diff --git a/src/Laravel/Config/alfa-bank.php b/src/Laravel/Config/alfa-bank.php
index 8391391..7ac7163 100644
--- a/src/Laravel/Config/alfa-bank.php
+++ b/src/Laravel/Config/alfa-bank.php
@@ -1,15 +1,62 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the configuration settings for integrating with Alfa Bank's BaaS and SBP APIs within a Laravel application.
+// RESPONSIBILITY: To provide a centralized and environment-aware configuration for API credentials, mTLS certificate paths, and operational environments (sandbox/production), enabling seamless and secure SDK operation.
+// INPUTS: Environment variables (`.env` file).
+// OUTPUTS: An associative array containing configuration values for BaaS and SBP connectors.
+// LINKS: Laravel/AlfaBankServiceProvider.php, Core/AlfaConfig.php, README.md#configuration
+*/
 
+// <SECTION name="config_file_definition" intent="Define the main configuration array for the Alfa Bank SDK.">
+// <BELIEF_STATE "This configuration file serves as the central repository for environment-specific settings required by the Alfa Bank SDK. By leveraging Laravel's `env()` helper, it allows deployment-specific values to be managed via environment variables, promoting flexibility and security across different environments (e.g., development, staging, production).">
 return [
+    // <SECTION name="baas_config" intent="Configuration specific to the BaaS (Core Banking API) connector.">
+    // <BELIEF_STATE "The `baas` section holds settings pertinent to the Base Banking API. It defines the paths to the mTLS certificate and private key files, which are crucial for secure mutual TLS authentication. The `environment` setting controls whether the SDK connects to the sandbox or production BaaS endpoint, ensuring correct API targeting.">
     'baas' => [
         'certificate_path' => env('ALFA_BAAS_CERT_PATH'),
         'private_key_path' => env('ALFA_BAAS_KEY_PATH'),
+        'signing_certificate_path' => env('ALFA_BAAS_SIGNING_CERT_PATH'),
+        'signing_private_key_path' => env('ALFA_BAAS_SIGNING_KEY_PATH'),
+        'client_id' => env('ALFA_BAAS_CLIENT_ID'),
+        'client_secret' => env('ALFA_BAAS_CLIENT_SECRET'),
         'environment' => env('ALFA_BAAS_ENV', 'sandbox'), // sandbox or production
     ],
+    // </SECTION>
+
+    // <SECTION name="sbp_config" intent="Configuration specific to the SBP (Faster Payments System) connector.">
+    // <BELIEF_STATE "The `sbp` section contains settings tailored for the Faster Payments System integration. Similar to BaaS, it specifies mTLS certificate and private key paths. Additionally, `key_name_alias` is included for SBP-specific key management, and the `environment` dictates the target SBP endpoint.">
     'sbp' => [
         'certificate_path' => env('ALFA_SBP_CERT_PATH'),
         'private_key_path' => env('ALFA_SBP_KEY_PATH'),
+        'signing_certificate_path' => env('ALFA_SBP_SIGNING_CERT_PATH'),
+        'signing_private_key_path' => env('ALFA_SBP_SIGNING_KEY_PATH'),
         'key_name_alias' => env('ALFA_SBP_KEY_ALIAS'),
         'environment' => env('ALFA_SBP_ENV', 'sandbox'),
     ],
+
+    /*
+    |--------------------------------------------------------------------------
+    | Webhook Verification
+    |--------------------------------------------------------------------------
+    |
+    | Configure credentials for incoming webhooks if you use Basic Auth.
+    |
+    */
+    'webhook' => [
+        'user' => env('ALFA_WEBHOOK_USER'),
+        'password' => env('ALFA_WEBHOOK_PASSWORD'),
+    ],
+
+    /*
+    |--------------------------------------------------------------------------
+    | Encryption Keys
+    |--------------------------------------------------------------------------
+    |
+    | Public key for Card PAN encryption (Nominal Accounts).
+    |
+    */
+    'encryption' => [
+        'card_public_key' => env('ALFA_CARD_PUBLIC_KEY'),
+    ],
 ];
+// </SECTION>
diff --git a/src/Laravel/Events/AlfaWebhookReceived.php b/src/Laravel/Events/AlfaWebhookReceived.php
new file mode 100644
index 0000000..1678e31
--- /dev/null
+++ b/src/Laravel/Events/AlfaWebhookReceived.php
@@ -0,0 +1,16 @@
+<?php
+
+namespace Apoloz\AlfaBank\Laravel\Events;
+
+use Apoloz\AlfaBank\Data\Webhooks\Payloads\BaseWebhookData;
+use Illuminate\Foundation\Events\Dispatchable;
+use Illuminate\Queue\SerializesModels;
+
+class AlfaWebhookReceived
+{
+    use Dispatchable, SerializesModels;
+
+    public function __construct(
+        public BaseWebhookData $webhook
+    ) {}
+}
\ No newline at end of file
diff --git a/src/Laravel/Facades/AlfaBank.php b/src/Laravel/Facades/AlfaBank.php
new file mode 100644
index 0000000..8104114
--- /dev/null
+++ b/src/Laravel/Facades/AlfaBank.php
@@ -0,0 +1,17 @@
+<?php
+
+namespace Apoloz\AlfaBank\Laravel\Facades;
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Illuminate\Support\Facades\Facade;
+
+/**
+ * @see \Apoloz\AlfaBank\Core\AlfaBankConnector
+ */
+class AlfaBank extends Facade
+{
+    protected static function getFacadeAccessor(): string
+    {
+        return 'alfa.baas';
+    }
+}
diff --git a/src/Laravel/Facades/Sbp.php b/src/Laravel/Facades/Sbp.php
new file mode 100644
index 0000000..155cc42
--- /dev/null
+++ b/src/Laravel/Facades/Sbp.php
@@ -0,0 +1,17 @@
+<?php
+
+namespace Apoloz\AlfaBank\Laravel\Facades;
+
+use Apoloz\AlfaBank\Sbp\SbpConnector;
+use Illuminate\Support\Facades\Facade;
+
+/**
+ * @see \Apoloz\AlfaBank\Sbp\SbpConnector
+ */
+class Sbp extends Facade
+{
+    protected static function getFacadeAccessor(): string
+    {
+        return 'alfa.sbp';
+    }
+}
diff --git a/src/Laravel/Http/Controllers/AlfaWebhookController.php b/src/Laravel/Http/Controllers/AlfaWebhookController.php
new file mode 100644
index 0000000..8aac4bd
--- /dev/null
+++ b/src/Laravel/Http/Controllers/AlfaWebhookController.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Laravel\Http\Controllers;
+
+use Apoloz\AlfaBank\Laravel\Events\AlfaWebhookReceived;
+use Apoloz\AlfaBank\Webhooks\WebhookFactory;
+use Illuminate\Http\Request;
+use Illuminate\Routing\Controller;
+
+class AlfaWebhookController extends Controller
+{
+    /**
+     * Handle the incoming Alfa Bank webhook.
+     */
+    public function __invoke(Request $request)
+    {
+        $payload = $request->json()->all();
+
+        // BaaS often sends an array of events
+        if (array_is_list($payload)) {
+            foreach ($payload as $event) {
+                $this->processEvent($event);
+            }
+        } else {
+            $this->processEvent($payload);
+        }
+
+        return response()->json(['status' => 'ok']);
+    }
+
+    protected function processEvent(array $payload): void
+    {
+        $webhookDto = WebhookFactory::create($payload);
+        
+        AlfaWebhookReceived::dispatch($webhookDto);
+    }
+}
diff --git a/src/Laravel/Middleware/VerifyAlfaWebhook.php b/src/Laravel/Middleware/VerifyAlfaWebhook.php
new file mode 100644
index 0000000..dc06ef9
--- /dev/null
+++ b/src/Laravel/Middleware/VerifyAlfaWebhook.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Laravel\Middleware;
+
+use Closure;
+use Illuminate\Http\Request;
+use Symfony\Component\HttpFoundation\Response;
+
+class VerifyAlfaWebhook
+{
+    /**
+     * Handle an incoming request.
+     */
+    public function handle(Request $request, Closure $next): Response
+    {
+        $user = config('alfa-bank.webhook.user');
+        $password = config('alfa-bank.webhook.password');
+
+        if ($user && $password) {
+            if ($request->getUser() !== $user || $request->getPassword() !== $password) {
+                return response()->json(['error' => 'Unauthorized Webhook'], 401);
+            }
+        }
+
+        return $next($request);
+    }
+}
diff --git a/src/Requests/Accounts/GetAccountsRequest.php b/src/Requests/Accounts/GetAccountsRequest.php
new file mode 100644
index 0000000..7bef1a4
--- /dev/null
+++ b/src/Requests/Accounts/GetAccountsRequest.php
@@ -0,0 +1,41 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Accounts;
+
+use Apoloz\AlfaBank\Data\Accounts\AccountData;
+use Apoloz\AlfaBank\Traits\HasAlfaPagination;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\PaginationPlugin\Contracts\Paginatable;
+use Spatie\LaravelData\DataCollection;
+
+class GetAccountsRequest extends Request implements Paginatable
+{
+    use HasAlfaPagination;
+
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        ?int $limit = 100,
+        ?int $offset = 0
+    ) {
+        $this->limit = $limit;
+        $this->offset = $offset;
+    }
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/accounts';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return $this->getPaginationQuery();
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return AccountData::collect($response->json('accounts'), DataCollection::class);
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Aff/CheckComplianceRequest.php b/src/Requests/Aff/CheckComplianceRequest.php
new file mode 100644
index 0000000..473149b
--- /dev/null
+++ b/src/Requests/Aff/CheckComplianceRequest.php
@@ -0,0 +1,36 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Aff;
+
+use Apoloz\AlfaBank\Data\Aff\AffResponseData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class CheckComplianceRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $inn,
+        protected string $name
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/aff/jp/v1/creditors/compliance';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return [
+            'inn' => $this->inn,
+            'name' => $this->name,
+        ];
+    }
+
+    public function createDtoFromResponse(Response $response): AffResponseData
+    {
+        return AffResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Aff/CreateRegisterRequest.php b/src/Requests/Aff/CreateRegisterRequest.php
new file mode 100644
index 0000000..5342481
--- /dev/null
+++ b/src/Requests/Aff/CreateRegisterRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Aff;
+
+use Apoloz\AlfaBank\Data\Aff\AffRegisterData;
+use Apoloz\AlfaBank\Data\Aff\AffResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateRegisterRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected AffRegisterData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/aff/jp/v1/registers';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): AffResponseData
+    {
+        return AffResponseData::from($response->json());
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Aff/DownloadRegisterDocumentsRequest.php b/src/Requests/Aff/DownloadRegisterDocumentsRequest.php
new file mode 100644
index 0000000..2619ff5
--- /dev/null
+++ b/src/Requests/Aff/DownloadRegisterDocumentsRequest.php
@@ -0,0 +1,30 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Aff;
+
+use Apoloz\AlfaBank\Data\Shared\DownloadedFileData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class DownloadRegisterDocumentsRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $registerId
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/aff/jp/v1/registers/{$this->registerId}/documents";
+    }
+
+    public function createDtoFromResponse(Response $response): DownloadedFileData
+    {
+        return DownloadedFileData::from([
+            'content' => $response->body(),
+            'size' => strlen($response->body()),
+        ]);
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Aff/GetPaymentStatusRequest.php b/src/Requests/Aff/GetPaymentStatusRequest.php
new file mode 100644
index 0000000..388092e
--- /dev/null
+++ b/src/Requests/Aff/GetPaymentStatusRequest.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Aff;
+
+use Apoloz\AlfaBank\Data\Aff\AffResponseData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetPaymentStatusRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $paymentId
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/aff/jp/v1/payments/{$this->paymentId}";
+    }
+
+    public function createDtoFromResponse(Response $response): AffResponseData
+    {
+        return AffResponseData::from($response->json());
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Aff/SignRegisterRequest.php b/src/Requests/Aff/SignRegisterRequest.php
new file mode 100644
index 0000000..73c2054
--- /dev/null
+++ b/src/Requests/Aff/SignRegisterRequest.php
@@ -0,0 +1,39 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Aff;
+
+use Apoloz\AlfaBank\Data\Aff\AffSignData;
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class SignRegisterRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected AffSignData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/aff/jp/v1/registers/sign';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from([
+            'success' => $response->successful(),
+        ]);
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Auth/GetTokenRequest.php b/src/Requests/Auth/GetTokenRequest.php
index 1fc59ca..e4827e9 100644
--- a/src/Requests/Auth/GetTokenRequest.php
+++ b/src/Requests/Auth/GetTokenRequest.php
@@ -1,46 +1,81 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the OAuth 2.0 token acquisition request.
+// RESPONSIBILITY: To define the endpoint, method, and body for exchanging an authorization code or client credentials for an access token.
+// INPUTS: Client credentials, grant type, and optionally an authorization code and redirect URI.
+// OUTPUTS: TokenData (DTO containing the access token, refresh token, and expiry).
+// LINKS: AlfaBankConnector.php#authentication_handler
+*/
 
 namespace Apoloz\AlfaBank\Requests\Auth;
 
+// <SECTION name="module_imports" intent="Import necessary DTOs and Saloon framework components.">
+// <BELIEF_STATE "The request needs the `TokenData` DTO to structure the response, and Saloon's `HasFormBody` trait because the OAuth 2.0 spec requires token requests to be `application/x-www-form-urlencoded`.">
 use Apoloz\AlfaBank\Data\Auth\TokenData;
+use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasFormBody;
-use Saloon\Contracts\Body\HasBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for the OAuth 2.0 token endpoint request.">
+// <BELIEF_STATE "Encapsulating the token request in a dedicated class makes the authentication flow explicit, reusable, and easy to test or modify.">
 class GetTokenRequest extends Request implements HasBody
 {
+    // <SECTION name="feature_traits" intent="Enable the form body serialization for this request.">
+    // <BELIEF_STATE "The OAuth 2.0 specification for token endpoints mandates a `Content-Type` of `application/x-www-form-urlencoded`. The `HasFormBody` trait correctly implements this serialization behavior.">
     use HasFormBody;
+    // </SECTION>
 
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for the token request.">
+    // <BELIEF_STATE "As per the OAuth 2.0 standard (RFC 6749), the token endpoint must be accessed via a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject all required parameters for the token request.">
+    // <BELIEF_STATE "The constructor includes parameters for both Authorization Code and Client Credentials flows. A default `grantType` is provided for the most common flow, but can be overridden, making the request class flexible.">
     public function __construct(
         protected string $clientId,
         protected string $clientSecret,
-        protected string $code,
-        protected string $redirectUri,
+        protected ?string $code = null,
+        protected ?string $redirectUri = null,
         protected string $grantType = 'authorization_code'
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the specific URI for the token endpoint.">
+    // <BELIEF_STATE "The `/oidc/token` endpoint is the standard path for OpenID Connect token acquisition, which this API adheres to.">
     public function resolveEndpoint(): string
     {
         return '/oidc/token';
     }
+    // </SECTION>
 
+    // <SECTION name="request_body_builder" intent="Construct the form-urlencoded body for the token request.">
+    // <BELIEF_STATE "This method builds the request body array. It correctly maps the class properties to the `snake_case` parameter names expected by the OAuth 2.0 standard.">
     protected function defaultBody(): array
     {
-        return [
+        $body = [
             'grant_type' => $this->grantType,
             'client_id' => $this->clientId,
             'client_secret' => $this->clientSecret,
-            'code' => $this->code,
-            'redirect_uri' => $this->redirectUri,
         ];
-    }
+        
+        if($this->grantType === 'authorization_code') {
+            $body['code'] = $this->code;
+            $body['redirect_uri'] = $this->redirectUri;
+        }
 
+        return $body;
+    }
+    // </SECTION>
+
+    // <SECTION name="response_dto_caster" intent="Transform the raw JSON response into a structured TokenData DTO.">
+    // <BELIEF_STATE "Automatically casting the JSON token response into a `TokenData` DTO provides type safety and a clean, object-oriented way to access token properties like `access_token` and `expires_in`.">
     public function createDtoFromResponse(Response $response): TokenData
     {
         return TokenData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/Auth/RefreshClientSecretRequest.php b/src/Requests/Auth/RefreshClientSecretRequest.php
index d8bee6c..d69bcd7 100644
--- a/src/Requests/Auth/RefreshClientSecretRequest.php
+++ b/src/Requests/Auth/RefreshClientSecretRequest.php
@@ -1,26 +1,50 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to refresh a client secret.
+// RESPONSIBILITY: To define the POST request for generating a new client secret for an OAuth client.
+// INPUTS: Client ID (string).
+// OUTPUTS: An array containing the new client secret details.
+*/
 
 namespace Apoloz\AlfaBank\Requests\Auth;
 
+// <SECTION name="module_imports" intent="Import Saloon framework components.">
+// <BELIEF_STATE "This is a simple POST request that returns a raw array, so no specific DTO imports are needed beyond Saloon's base classes.">
+use Apoloz\AlfaBank\Data\Auth\ClientSecretData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for refreshing an OAuth client secret.">
+// <BELIEF_STATE "A dedicated class encapsulates the logic for this sensitive operation, making it explicit and reusable.">
 class RefreshClientSecretRequest extends Request
 {
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for refreshing the secret.">
+    // <BELIEF_STATE "Generating a new secret is a state-changing operation, correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the client ID for which the secret needs to be refreshed.">
+    // <BELIEF_STATE "The `clientId` is mandatory to identify which client's secret is being refreshed.">
     public function __construct(
         protected string $clientId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for refreshing the client secret.">
+    // <BELIEF_STATE "The endpoint uses the `clientId` as a path parameter, targeting the specific client's secret sub-resource.">
     public function resolveEndpoint(): string
     {
         return "/oidc/clients/{$this->clientId}/client-secret";
     }
+    // </SECTION>
 
-    public function createDtoFromResponse(Response $response): array
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "Since the response might be a simple key-value pair, returning a raw array is acceptable if a more specific DTO is not deemed necessary or if its structure can vary.">
+    public function createDtoFromResponse(Response $response): ClientSecretData
     {
-        return $response->json();
+        return ClientSecretData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/Auth/RevokeTokenRequest.php b/src/Requests/Auth/RevokeTokenRequest.php
index ae80a04..6fa6fd8 100644
--- a/src/Requests/Auth/RevokeTokenRequest.php
+++ b/src/Requests/Auth/RevokeTokenRequest.php
@@ -1,30 +1,57 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the OAuth 2.0 token revocation request.
+// RESPONSIBILITY: To define the endpoint, method, and body for invalidating an access or refresh token.
+// INPUTS: Client ID, client secret, and the token to be revoked.
+// OUTPUTS: No specific DTO, typically a 200 OK or 204 No Content status on success.
+*/
 
 namespace Apoloz\AlfaBank\Requests\Auth;
 
+// <SECTION name="module_imports" intent="Import Saloon framework components for a form body request.">
+// <BELIEF_STATE "The OAuth 2.0 Token Revocation (RFC 7009) specification requires the request body to be `application/x-www-form-urlencoded`. The `HasFormBody` trait handles this.">
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 use Saloon\Traits\Body\HasFormBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for the OAuth 2.0 token revocation endpoint request.">
+// <BELIEF_STATE "Encapsulating the token revocation in a dedicated class makes the security operation explicit and reusable.">
 class RevokeTokenRequest extends Request implements HasBody
 {
+    // <SECTION name="feature_traits" intent="Enable the form body serialization for this request.">
+    // <BELIEF_STATE "The `HasFormBody` trait is necessary to correctly format the request body as `application/x-www-form-urlencoded`, as mandated by the OAuth 2.0 revocation specification.">
     use HasFormBody;
+    // </SECTION>
 
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for the revocation request.">
+    // <BELIEF_STATE "As per the OAuth 2.0 Revocation standard, the endpoint must be accessed via a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject all required parameters for the token revocation.">
+    // <BELIEF_STATE "The constructor requires the `clientId`, `clientSecret`, and the `token` to be revoked, along with an optional `tokenTypeHint` for efficiency.">
     public function __construct(
         protected string $clientId,
         protected string $clientSecret,
         protected string $token,
         protected ?string $tokenTypeHint = null
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the specific URI for the token revocation endpoint.">
+    // <BELIEF_STATE "The `/oidc/revoke` endpoint is the standard path for OAuth 2.0 token revocation.">
     public function resolveEndpoint(): string
     {
         return '/oidc/revoke';
     }
+    // </SECTION>
 
+    // <SECTION name="request_body_builder" intent="Construct the form-urlencoded body for the revocation request.">
+    // <BELIEF_STATE "This method correctly builds the request body array, including optional parameters. `array_filter` is used to gracefully omit null values from the final payload.">
     protected function defaultBody(): array
     {
         return array_filter([
@@ -34,4 +61,10 @@ class RevokeTokenRequest extends Request implements HasBody
             'token_type_hint' => $this->tokenTypeHint,
         ]);
     }
+    // </SECTION>
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
+    }
 }
diff --git a/src/Requests/Auth/UserInfo/GetClientConsentsRequest.php b/src/Requests/Auth/UserInfo/GetClientConsentsRequest.php
index 9dc7df2..95f164a 100644
--- a/src/Requests/Auth/UserInfo/GetClientConsentsRequest.php
+++ b/src/Requests/Auth/UserInfo/GetClientConsentsRequest.php
@@ -1,16 +1,32 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a list of client consents for user information access.
+// RESPONSIBILITY: To define the GET request for fetching consent details, with various filtering and pagination options.
+// INPUTS: Optional client ID, subject ID, organization hash, active status, and pagination parameters.
+// OUTPUTS: ClientConsentCollectionData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Requests\Auth\UserInfo;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon framework components.">
+// <BELIEF_STATE "This request requires the `ClientConsentCollectionData` DTO for its response, as it returns a paginated list of consents.">
 use Apoloz\AlfaBank\Data\Auth\UserInfo\ClientConsentCollectionData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for retrieving client consents.">
+// <BELIEF_STATE "Encapsulating the consent retrieval logic in a dedicated class provides a clear, reusable interface for auditing and managing user consents.">
 class GetClientConsentsRequest extends Request
 {
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for fetching consents.">
+    // <BELIEF_STATE "Retrieving consent information is a read-only operation, thus GET is the appropriate RESTful method.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject all possible filter and pagination parameters.">
+    // <BELIEF_STATE "The constructor supports a wide array of optional filters (e.g., `clientId`, `sub`, `organizationIdHash`, `isActive`) and pagination (`limit`, `offset`), allowing for granular control over the retrieved consent list.">
     public function __construct(
         protected ?string $clientId = null,
         protected ?string $sub = null,
@@ -19,12 +35,18 @@ class GetClientConsentsRequest extends Request
         protected ?int $limit = 1000,
         protected ?int $offset = 0,
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the specific URI for the client consents endpoint.">
+    // <BELIEF_STATE "The `/oidc/client-consents` endpoint is the standard path for accessing consent information within the OIDC framework.">
     public function resolveEndpoint(): string
     {
         return '/oidc/client-consents';
     }
+    // </SECTION>
 
+    // <SECTION name="query_parameter_builder" intent="Construct the query string for filtering and pagination.">
+    // <BELIEF_STATE "The `array_filter` function is used to dynamically build the query parameters, ensuring that only non-null values are included in the request, which results in clean and efficient API calls.">
     protected function defaultQuery(): array
     {
         return array_filter([
@@ -36,9 +58,13 @@ class GetClientConsentsRequest extends Request
             'offset' => $this->offset,
         ], fn($value) => $value !== null);
     }
+    // </SECTION>
 
+    // <SECTION name="response_dto_caster" intent="Transform the raw JSON response into a structured ClientConsentCollectionData DTO.">
+    // <BELIEF_STATE "Automatically casting the JSON response to a `ClientConsentCollectionData` DTO provides type safety and a clean, object-oriented way to access the list of consents and any associated metadata.">
     public function createDtoFromResponse(Response $response): ClientConsentCollectionData
     {
         return ClientConsentCollectionData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/Auth/UserInfo/GetUserInfoRequest.php b/src/Requests/Auth/UserInfo/GetUserInfoRequest.php
index 90b270d..4e5bb12 100644
--- a/src/Requests/Auth/UserInfo/GetUserInfoRequest.php
+++ b/src/Requests/Auth/UserInfo/GetUserInfoRequest.php
@@ -1,21 +1,40 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the OpenID Connect UserInfo endpoint request.
+// RESPONSIBILITY: To define the GET request for retrieving claims about the authenticated end-user.
+// INPUTS: An access token (handled by the connector's authenticator).
+// OUTPUTS: UserInfoData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Requests\Auth\UserInfo;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon framework components.">
+// <BELIEF_STATE "This request requires the `UserInfoData` DTO for its response.">
 use Apoloz\AlfaBank\Data\Auth\UserInfo\UserInfoData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for the OIDC UserInfo endpoint request.">
+// <BELIEF_STATE "Encapsulating the UserInfo request in a dedicated class provides a clean and reusable way to access end-user claims.">
 class GetUserInfoRequest extends Request
 {
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for fetching user information.">
+    // <BELIEF_STATE "As per the OpenID Connect Core 1.0 specification, the UserInfo endpoint must be accessed via a GET request.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the specific URI for the UserInfo endpoint.">
+    // <BELIEF_STATE "The `/oidc/userinfo` endpoint is the standard path for retrieving user claims in OpenID Connect.">
     public function resolveEndpoint(): string
     {
         return '/oidc/userinfo';
     }
+    // </SECTION>
 
+    // <SECTION name="default_headers" intent="Set the required 'Accept' header for a JWT response.">
+    // <BELIEF_STATE "The API documentation specifies that the UserInfo response should be returned as a JWT. Setting the `Accept: application/jwt` header is crucial for signaling this preference to the server.">
     protected function defaultHeaders(): array
     {
         return [
@@ -23,13 +42,8 @@ class GetUserInfoRequest extends Request
         ];
     }
 
-    /**
-     * The response is a JWT. We need to decode it to get the claims.
-     * Note: This implementation assumes the user will handle JWT verification/decoding
-     * or we can do a simple base64 decode of the payload if trust is established via mTLS/OIDC.
-     * 
-     * For now, we will return the raw JWT string in a specific DTO or try to parse it if simple.
-     */
+    // <SECTION name="response_dto_caster" intent="Transform the raw JWT response into a structured UserInfoData DTO.">
+    // <BELIEF_STATE "The API returns a JWT token in the response body. This method manually decodes the JWT payload (assuming it's a standard JWS) and casts it to a `UserInfoData` DTO, providing type safety and structured access to the user claims. A fallback is provided for invalid formats.">
     public function createDtoFromResponse(Response $response): UserInfoData
     {
         $jwt = $response->body();
@@ -46,4 +60,5 @@ class GetUserInfoRequest extends Request
         
         throw new \Exception("Invalid UserInfo response format. Expected JWT.");
     }
+    // </SECTION>
 }
diff --git a/src/Requests/B2B_1C/CheckMerchantRequest.php b/src/Requests/B2B_1C/CheckMerchantRequest.php
new file mode 100644
index 0000000..5e37dc2
--- /dev/null
+++ b/src/Requests/B2B_1C/CheckMerchantRequest.php
@@ -0,0 +1,35 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\B2B_1C;
+
+use Apoloz\AlfaBank\Data\B2B_1C\MerchantData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class CheckMerchantRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $merchantId,
+        protected string $auth1C // Basic auth string
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/1c/merchants/{$this->merchantId}";
+    }
+
+    protected function defaultHeaders(): array
+    {
+        return [
+            'Authorization-1C' => $this->auth1C,
+        ];
+    }
+
+    public function createDtoFromResponse(Response $response): MerchantData
+    {
+        return MerchantData::from($response->json());
+    }
+}
diff --git a/src/Requests/B2B_1C/GetPaymentLinkRequest.php b/src/Requests/B2B_1C/GetPaymentLinkRequest.php
new file mode 100644
index 0000000..1d1bde8
--- /dev/null
+++ b/src/Requests/B2B_1C/GetPaymentLinkRequest.php
@@ -0,0 +1,35 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\B2B_1C;
+
+use Apoloz\AlfaBank\Data\B2B_1C\PaymentLinkData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetPaymentLinkRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $qrId,
+        protected string $auth1C
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/1c/payment-link/{$this->qrId}";
+    }
+
+    protected function defaultHeaders(): array
+    {
+        return [
+            'Authorization-1C' => $this->auth1C,
+        ];
+    }
+
+    public function createDtoFromResponse(Response $response): PaymentLinkData
+    {
+        return PaymentLinkData::from($response->json());
+    }
+}
diff --git a/src/Requests/B2B_1C/SearchPaymentsRequest.php b/src/Requests/B2B_1C/SearchPaymentsRequest.php
new file mode 100644
index 0000000..ee2fb3e
--- /dev/null
+++ b/src/Requests/B2B_1C/SearchPaymentsRequest.php
@@ -0,0 +1,45 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\B2B_1C;
+
+use Apoloz\AlfaBank\Data\B2B_1C\Payment1CData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+use Spatie\LaravelData\DataCollection;
+
+class SearchPaymentsRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected array $data,
+        protected string $auth1C
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/1c/payments/search';
+    }
+
+    protected function defaultHeaders(): array
+    {
+        return [
+            'Authorization-1C' => $this->auth1C,
+        ];
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data;
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return Payment1CData::collect($response->json(), DataCollection::class);
+    }
+}
diff --git a/src/Requests/B2C/CreateB2CPaymentRequest.php b/src/Requests/B2C/CreateB2CPaymentRequest.php
new file mode 100644
index 0000000..67e1d61
--- /dev/null
+++ b/src/Requests/B2C/CreateB2CPaymentRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\B2C;
+
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentRequestData;
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateB2CPaymentRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected B2CPaymentRequestData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/b2cpay/jp/v1/payments';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): B2CPaymentResponseData
+    {
+        return B2CPaymentResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/B2C/GetB2CPaymentReportRequest.php b/src/Requests/B2C/GetB2CPaymentReportRequest.php
new file mode 100644
index 0000000..92e4829
--- /dev/null
+++ b/src/Requests/B2C/GetB2CPaymentReportRequest.php
@@ -0,0 +1,42 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\B2C;
+
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentReportData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetB2CPaymentReportRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected ?string $b2cClientId = null,
+        protected ?int $partnerId = null,
+        protected ?string $startDate = null,
+        protected ?string $finishDate = null,
+        protected ?string $transactionId = null,
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/b2cpay/jp/v1/payments';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return array_filter([
+            'b2cClientId' => $this->b2cClientId,
+            'partnerId' => $this->partnerId,
+            'startDate' => $this->startDate,
+            'finishDate' => $this->finishDate,
+            'transactionId' => $this->transactionId,
+        ]);
+    }
+
+    public function createDtoFromResponse(Response $response): B2CPaymentReportData
+    {
+        return B2CPaymentReportData::from($response->json());
+    }
+}
diff --git a/src/Requests/Bonus/GetBonusNumbersRequest.php b/src/Requests/Bonus/GetBonusNumbersRequest.php
new file mode 100644
index 0000000..9c5b55e
--- /dev/null
+++ b/src/Requests/Bonus/GetBonusNumbersRequest.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Bonus;
+
+use Apoloz\AlfaBank\Data\Bonus\BonusNumberData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetBonusNumbersRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/bonus-numbers';
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return BonusNumberData::collect($response->json('bonusNumbers') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/Cards/GetCardsRequest.php b/src/Requests/Cards/GetCardsRequest.php
new file mode 100644
index 0000000..1803f95
--- /dev/null
+++ b/src/Requests/Cards/GetCardsRequest.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Cards;
+
+use Apoloz\AlfaBank\Data\Cards\CardData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetCardsRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/cards';
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return CardData::collect($response->json('cards'), DataCollection::class);
+    }
+}
diff --git a/src/Requests/Claims/ResolveClaimRequest.php b/src/Requests/Claims/ResolveClaimRequest.php
new file mode 100644
index 0000000..e8bf3be
--- /dev/null
+++ b/src/Requests/Claims/ResolveClaimRequest.php
@@ -0,0 +1,38 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Claims;
+
+use Apoloz\AlfaBank\Data\Claims\ClaimResolvedData;
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class ResolveClaimRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::PUT;
+
+    public function __construct(
+        protected string $claimId,
+        protected ClaimResolvedData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/claims/pp/v1/claims/{$this->claimId}";
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/CloudSignature/ConfirmSigningWithSmsRequest.php b/src/Requests/CloudSignature/ConfirmSigningWithSmsRequest.php
new file mode 100644
index 0000000..170725a
--- /dev/null
+++ b/src/Requests/CloudSignature/ConfirmSigningWithSmsRequest.php
@@ -0,0 +1,39 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\CloudSignature;
+
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class ConfirmSigningWithSmsRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::PUT;
+
+    public function __construct(
+        protected string $operationId,
+        protected string $smsCode
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v3/signature/requests/operations/{$this->operationId}";
+    }
+
+    protected function defaultBody(): array
+    {
+        return [
+            'smsCode' => $this->smsCode,
+        ];
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
+    }
+}
diff --git a/src/Requests/CloudSignature/GetDnFileRequest.php b/src/Requests/CloudSignature/GetDnFileRequest.php
new file mode 100644
index 0000000..49729d6
--- /dev/null
+++ b/src/Requests/CloudSignature/GetDnFileRequest.php
@@ -0,0 +1,26 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\CloudSignature;
+
+use Apoloz\AlfaBank\Data\Shared\DownloadedFileData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetDnFileRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v3/signature/dn/file';
+    }
+
+    public function createDtoFromResponse(Response $response): DownloadedFileData
+    {
+        return DownloadedFileData::from([
+            'content' => $response->body(),
+            'size' => strlen($response->body()),
+        ]);
+    }
+}
diff --git a/src/Requests/CloudSignature/GetDnRequest.php b/src/Requests/CloudSignature/GetDnRequest.php
new file mode 100644
index 0000000..0b92cbf
--- /dev/null
+++ b/src/Requests/CloudSignature/GetDnRequest.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\CloudSignature;
+
+use Apoloz\AlfaBank\Data\CloudSignature\UserDnData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetDnRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v3/signature/dn';
+    }
+
+    public function createDtoFromResponse(Response $response): UserDnData
+    {
+        return UserDnData::from($response->json());
+    }
+}
diff --git a/src/Requests/CloudSignature/IssueRsaCertificateRequest.php b/src/Requests/CloudSignature/IssueRsaCertificateRequest.php
new file mode 100644
index 0000000..5f479f6
--- /dev/null
+++ b/src/Requests/CloudSignature/IssueRsaCertificateRequest.php
@@ -0,0 +1,40 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\CloudSignature;
+
+use Apoloz\AlfaBank\Data\CloudSignature\CloudSignatureResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class IssueRsaCertificateRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected ?string $tokenSerialNumber = null,
+        protected ?string $pkcs10Content = null
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v3/signature/rsa-certificates/requests/issue';
+    }
+
+    protected function defaultBody(): array
+    {
+        return array_filter([
+            'tokenSerialNumber' => $this->tokenSerialNumber,
+            'pkcs10Content' => $this->pkcs10Content,
+        ]);
+    }
+
+    public function createDtoFromResponse(Response $response): CloudSignatureResponseData
+    {
+        return CloudSignatureResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/CloudSignature/SubmitSigningRequest.php b/src/Requests/CloudSignature/SubmitSigningRequest.php
new file mode 100644
index 0000000..9b7fbe4
--- /dev/null
+++ b/src/Requests/CloudSignature/SubmitSigningRequest.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\CloudSignature;
+
+use Apoloz\AlfaBank\Data\CloudSignature\CloudSignatureResponseData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class SubmitSigningRequest extends Request
+{
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected string $id
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v3/signature/requests/{$this->id}/operations";
+    }
+
+    public function createDtoFromResponse(Response $response): CloudSignatureResponseData
+    {
+        return CloudSignatureResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Compliance/GetUserComplianceRequest.php b/src/Requests/Compliance/GetUserComplianceRequest.php
new file mode 100644
index 0000000..2ebd91d
--- /dev/null
+++ b/src/Requests/Compliance/GetUserComplianceRequest.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Compliance;
+
+use Apoloz\AlfaBank\Data\Compliance\UserComplianceData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetUserComplianceRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/smart-loans/jp/v1/compliance';
+    }
+
+    public function createDtoFromResponse(Response $response): UserComplianceData
+    {
+        return UserComplianceData::from($response->json());
+    }
+}
diff --git a/src/Requests/Crypto/GetCertificatesRequest.php b/src/Requests/Crypto/GetCertificatesRequest.php
index 2dd5f6b..6c736a6 100644
--- a/src/Requests/Crypto/GetCertificatesRequest.php
+++ b/src/Requests/Crypto/GetCertificatesRequest.php
@@ -19,6 +19,6 @@ class GetCertificatesRequest extends Request
 
     public function createDtoFromResponse(Response $response): DataCollection
     {
-        return CertificateData::collect($response->json(), DataCollection::class);
+        return CertificateData::collect($response->json('certificates') ?? [], DataCollection::class);
     }
-}
+}
\ No newline at end of file
diff --git a/src/Requests/Crypto/UpdateCertificateRequest.php b/src/Requests/Crypto/UpdateCertificateRequest.php
index b0119b0..ae5b721 100644
--- a/src/Requests/Crypto/UpdateCertificateRequest.php
+++ b/src/Requests/Crypto/UpdateCertificateRequest.php
@@ -1,32 +1,54 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to update the status of an existing cryptographic certificate.
+// RESPONSIBILITY: To define the PATCH request for modifying a certificate's status (e.g., activating or revoking).
+// INPUTS: Certificate ID, and the desired new status.
+// OUTPUTS: CertificateData (DTO) of the updated certificate.
+*/
 
 namespace Apoloz\AlfaBank\Requests\Crypto;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon framework components for a JSON body request.">
+// <BELIEF_STATE "This PATCH request requires the `CertificateData` DTO for its response and utilizes `HasBody` and `HasJsonBody` for proper payload serialization.">
 use Apoloz\AlfaBank\Data\Crypto\CertificateData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for updating a cryptographic certificate's status.">
+// <BELIEF_STATE "Encapsulating certificate status update logic in a dedicated class provides a clear, reusable interface for managing cryptographic assets.">
 class UpdateCertificateRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for updating the certificate status.">
+    // <BELIEF_STATE "Modifying a partial aspect of an existing resource (its status) is correctly represented by a PATCH request.">
     protected Method $method = Method::PATCH;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the certificate ID and the new status.">
+    // <BELIEF_STATE "The constructor requires the `id` of the certificate to update and the `status` (e.g., 'ACTIVE', 'REVOKED'). Defaulting `op` and `path` simplifies common usage for status changes.">
     public function __construct(
         protected string $id,
         protected string $status, // ACTIVE or REVOKED
         protected string $op = 'replace',
         protected string $path = '/status'
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for updating a specific certificate.">
+    // <BELIEF_STATE "The endpoint uses the `id` of the certificate as a path parameter, targeting the specific resource for update.">
     public function resolveEndpoint(): string
     {
         return "/api/gd/v1/crypto-service/certificates/{$this->id}";
     }
+    // </SECTION>
 
+    // <SECTION name="request_body_builder" intent="Construct the JSON body for the certificate update request (JSON Patch format).">
+    // <BELIEF_STATE "This method builds the request body in a JSON Patch-like format, specifying the `op` (operation), `path` (field to update), and `value` (new status). This is a common pattern for partial updates in REST APIs.">
     protected function defaultBody(): array
     {
         return [
@@ -35,9 +57,13 @@ class UpdateCertificateRequest extends Request implements HasBody
             'value' => $this->status,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_dto_caster" intent="Transform the raw JSON response into a structured CertificateData DTO.">
+    // <BELIEF_STATE "Automatically casting the JSON response to a `CertificateData` DTO provides type safety and a clean, object-oriented way to access the details of the updated certificate.">
     public function createDtoFromResponse(Response $response): CertificateData
     {
         return CertificateData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/Crypto/UploadCertificateRequest.php b/src/Requests/Crypto/UploadCertificateRequest.php
index 4ea4bfa..2dde14f 100644
--- a/src/Requests/Crypto/UploadCertificateRequest.php
+++ b/src/Requests/Crypto/UploadCertificateRequest.php
@@ -1,30 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to upload a new cryptographic certificate.
+// RESPONSIBILITY: To define the POST request for registering a new certificate with the crypto service.
+// INPUTS: Certificate type and the base64-encoded certificate body.
+// OUTPUTS: CertificateData (DTO) of the newly uploaded certificate.
+*/
 
 namespace Apoloz\AlfaBank\Requests\Crypto;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon framework components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires the `CertificateData` DTO for its response and utilizes `HasBody` and `HasJsonBody` for proper payload serialization.">
 use Apoloz\AlfaBank\Data\Crypto\CertificateData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for uploading a cryptographic certificate.">
+// <BELIEF_STATE "Encapsulating certificate upload logic in a dedicated class provides a clear, reusable interface for managing cryptographic assets.">
 class UploadCertificateRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for uploading the certificate.">
+    // <BELIEF_STATE "Creating a new resource (a certificate record) on the server is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the certificate's type and its base64-encoded body.">
+    // <BELIEF_STATE "The constructor requires the `type` of certificate (e.g., 'X509') and the `certificateBody` as a string, ensuring the necessary data for upload is provided.">
     public function __construct(
         protected string $type,
         protected string $certificateBody,
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the specific URI for the certificates upload endpoint.">
+    // <BELIEF_STATE "The endpoint is the standard path for certificate management, used for creating new certificates.">
     public function resolveEndpoint(): string
     {
         return '/api/gd/v1/crypto-service/certificates';
     }
+    // </SECTION>
 
+    // <SECTION name="request_body_builder" intent="Construct the JSON body for the certificate upload request.">
+    // <BELIEF_STATE "This method builds the request body array, mapping the constructor properties to the expected JSON payload.">
     protected function defaultBody(): array
     {
         return [
@@ -32,9 +54,13 @@ class UploadCertificateRequest extends Request implements HasBody
             'certificateBody' => $this->certificateBody,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_dto_caster" intent="Transform the raw JSON response into a structured CertificateData DTO.">
+    // <BELIEF_STATE "Automatically casting the JSON response to a `CertificateData` DTO provides type safety and a clean, object-oriented way to access the details of the newly uploaded certificate.">
     public function createDtoFromResponse(Response $response): CertificateData
     {
         return CertificateData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/CustomerInfo/GetCustomerInfoRequest.php b/src/Requests/CustomerInfo/GetCustomerInfoRequest.php
new file mode 100644
index 0000000..2797a6f
--- /dev/null
+++ b/src/Requests/CustomerInfo/GetCustomerInfoRequest.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\CustomerInfo;
+
+use Apoloz\AlfaBank\Data\CustomerInfo\CustomerInfoData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetCustomerInfoRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/v1/customer-info';
+    }
+
+    public function createDtoFromResponse(Response $response): CustomerInfoData
+    {
+        return CustomerInfoData::from($response->json());
+    }
+}
diff --git a/src/Requests/DFA/GetDfaInitialPlacementListRequest.php b/src/Requests/DFA/GetDfaInitialPlacementListRequest.php
new file mode 100644
index 0000000..36c014b
--- /dev/null
+++ b/src/Requests/DFA/GetDfaInitialPlacementListRequest.php
@@ -0,0 +1,41 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\DFA;
+
+use Apoloz\AlfaBank\Data\DFA\DfaInitialPlacementData;
+use Apoloz\AlfaBank\Traits\HasAlfaPagination;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\PaginationPlugin\Contracts\Paginatable;
+use Spatie\LaravelData\DataCollection;
+
+class GetDfaInitialPlacementListRequest extends Request implements Paginatable
+{
+    use HasAlfaPagination;
+
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        ?int $limit = 10,
+        ?int $offset = 0
+    ) {
+        $this->limit = $limit;
+        $this->offset = $offset;
+    }
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/dfa/gd/v1/dfa-profile/initial-placement-list';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return $this->getPaginationQuery();
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return DfaInitialPlacementData::collect($response->json('items') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/DebitCards/CreateDebitCardApplicationRequest.php b/src/Requests/DebitCards/CreateDebitCardApplicationRequest.php
new file mode 100644
index 0000000..48e6909
--- /dev/null
+++ b/src/Requests/DebitCards/CreateDebitCardApplicationRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\DebitCards;
+
+use Apoloz\AlfaBank\Data\DebitCards\DebitCardApplicationData;
+use Apoloz\AlfaBank\Data\DebitCards\DebitCardApplicationResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateDebitCardApplicationRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected DebitCardApplicationData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/debit-cards/application';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): DebitCardApplicationResponseData
+    {
+        return DebitCardApplicationResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Escrow/GetBuildProjectsRequest.php b/src/Requests/Escrow/GetBuildProjectsRequest.php
new file mode 100644
index 0000000..3cc1523
--- /dev/null
+++ b/src/Requests/Escrow/GetBuildProjectsRequest.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Escrow;
+
+use Apoloz\AlfaBank\Data\Escrow\EscrowProjectData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetBuildProjectsRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/build-projects';
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return EscrowProjectData::collect($response->json(), DataCollection::class);
+    }
+}
diff --git a/src/Requests/Escrow/GetEscrowOrdersRequest.php b/src/Requests/Escrow/GetEscrowOrdersRequest.php
new file mode 100644
index 0000000..9413213
--- /dev/null
+++ b/src/Requests/Escrow/GetEscrowOrdersRequest.php
@@ -0,0 +1,46 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Escrow;
+
+use Apoloz\AlfaBank\Data\Escrow\EscrowOrderData;
+use Apoloz\AlfaBank\Traits\HasAlfaPagination;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\PaginationPlugin\Contracts\Paginatable;
+use Spatie\LaravelData\DataCollection;
+
+class GetEscrowOrdersRequest extends Request implements Paginatable
+{
+    use HasAlfaPagination;
+
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $filterFromDate,
+        protected string $filterToDate,
+        ?int $limit = 10,
+        ?int $offset = 0
+    ) {
+        $this->limit = $limit;
+        $this->offset = $offset;
+    }
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/escrow-orders';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return array_merge([
+            'filterFromDate' => $this->filterFromDate,
+            'filterToDate' => $this->filterToDate,
+        ], $this->getPaginationQuery());
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return EscrowOrderData::collect($response->json('orders') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/FileExchange/DownloadFileRequest.php b/src/Requests/FileExchange/DownloadFileRequest.php
index d6d4ff2..57d1a38 100644
--- a/src/Requests/FileExchange/DownloadFileRequest.php
+++ b/src/Requests/FileExchange/DownloadFileRequest.php
@@ -1,27 +1,59 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to download a file from a pre-signed URL.
+// RESPONSIBILITY: To define the GET request for retrieving a file's content from an external endpoint.
+// INPUTS: A pre-signed download URL.
+// OUTPUTS: Raw file content (stream or string), success is indicated by a 2xx HTTP status.
+*/
 
 namespace Apoloz\AlfaBank\Requests\FileExchange;
 
+// <SECTION name="module_imports" intent="Import Saloon framework components.">
+// <BELIEF_STATE "This is a simple GET request for binary data, so only basic Saloon components are needed.">
+use Apoloz\AlfaBank\Data\Shared\DownloadedFileData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for downloading a file.">
+// <BELIEF_STATE "This class encapsulates the logic for directly downloading file content, often used with pre-signed URLs.">
 class DownloadFileRequest extends Request
 {
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for file download.">
+    // <BELIEF_STATE "Retrieving file content is a read-only operation, making GET the appropriate verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the download URL.">
+    // <BELIEF_STATE "The constructor requires the `downloadUrl` (typically obtained from a prior API call) to specify the resource to retrieve.">
     public function __construct(
         protected string $downloadUrl
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the dynamic download endpoint.">
+    // <BELIEF_STATE "Similar to upload requests, this one uses a dynamic `downloadUrl` provided in the constructor, which is common for pre-signed URL patterns.">
     public function resolveEndpoint(): string
     {
         return $this->downloadUrl;
     }
+    // </SECTION>
 
+    // <SECTION name="default_headers" intent="Set the necessary HTTP headers for accepting any content type.">
+    // <BELIEF_STATE "Setting `Accept: */*` indicates to the server that the client can handle any content type, which is appropriate when downloading arbitrary files.">
     protected function defaultHeaders(): array
     {
         return [
             'Accept' => '*/*',
         ];
     }
+    // </SECTION>
+
+    public function createDtoFromResponse(Response $response): DownloadedFileData
+    {
+        return DownloadedFileData::from([
+            'content' => $response->body(),
+            'size' => strlen($response->body()),
+        ]);
+    }
 }
diff --git a/src/Requests/FileExchange/UploadFileRequest.php b/src/Requests/FileExchange/UploadFileRequest.php
index 53f00d0..aa450f3 100644
--- a/src/Requests/FileExchange/UploadFileRequest.php
+++ b/src/Requests/FileExchange/UploadFileRequest.php
@@ -1,29 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to upload a file to a pre-signed URL.
+// RESPONSIBILITY: To define the PUT request for streaming a file's content directly to an external endpoint.
+// INPUTS: A pre-signed upload URL, a file stream resource, and the file size.
+// OUTPUTS: No specific DTO; success is indicated by a 2xx HTTP status.
+*/
 
 namespace Apoloz\AlfaBank\Requests\FileExchange;
 
+// <SECTION name="module_imports" intent="Import Saloon framework components for handling stream bodies.">
+// <BELIEF_STATE "File uploads often involve streaming data. Saloon's `HasStreamBody` trait is designed to handle this efficiently without loading the entire file into memory at once.">
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 use Saloon\Traits\Body\HasStreamBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for uploading a file via a stream.">
+// <BELIEF_STATE "This class encapsulates the logic for directly uploading file content, which is a specialized HTTP operation often used with cloud storage or direct transfer protocols.">
 class UploadFileRequest extends Request implements HasBody
 {
     use HasStreamBody;
 
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for file upload.">
+    // <BELIEF_STATE "Uploading a file to a specific, pre-determined location (the `uploadUrl`) is a common use case for the PUT verb, replacing or creating the resource at that URI.">
     protected Method $method = Method::PUT;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the upload URL, file stream, and file size.">
+    // <BELIEF_STATE "The constructor requires the `uploadUrl` (typically obtained from a prior API call), a `fileStream` resource (e.g., from `fopen`), and `fileSize` for the `Content-Length` header.">
     public function __construct(
         protected string $uploadUrl,
-        protected $fileStream,
+        protected $fileStream, // PHP resource type for streams
         protected int $fileSize
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the dynamic upload endpoint.">
+    // <BELIEF_STATE "Unlike most requests, this one uses a dynamic `uploadUrl` provided in the constructor, which is common for pre-signed URL upload patterns.">
     public function resolveEndpoint(): string
     {
         return $this->uploadUrl;
     }
+    // </SECTION>
 
+    // <SECTION name="default_headers" intent="Set the necessary HTTP headers for a binary file upload.">
+    // <BELIEF_STATE "Headers like `Accept: */*`, `Content-Length`, and `Content-Type: application/octet-stream` are crucial for correctly indicating the nature of the streamed binary data to the server.">
     protected function defaultHeaders(): array
     {
         return [
@@ -32,9 +55,18 @@ class UploadFileRequest extends Request implements HasBody
             'Content-Type' => 'application/octet-stream',
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="request_body_builder" intent="Provide the file stream as the request body.">
+    // <BELIEF_STATE "The `defaultBody` method directly returns the `fileStream`, which Saloon's `HasStreamBody` trait will then handle by streaming its contents as the request body.">
     protected function defaultBody(): mixed
     {
         return $this->fileStream;
     }
+    // </SECTION>
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
+    }
 }
diff --git a/src/Requests/Limits/GetGeneralLimitsRequest.php b/src/Requests/Limits/GetGeneralLimitsRequest.php
new file mode 100644
index 0000000..91fa3d3
--- /dev/null
+++ b/src/Requests/Limits/GetGeneralLimitsRequest.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Limits;
+
+use Apoloz\AlfaBank\Data\Limits\LimitsResponseData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetGeneralLimitsRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/limits/general';
+    }
+
+    public function createDtoFromResponse(Response $response): LimitsResponseData
+    {
+        return LimitsResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Loans/GetCreditOffersRequest.php b/src/Requests/Loans/GetCreditOffersRequest.php
new file mode 100644
index 0000000..207d6f0
--- /dev/null
+++ b/src/Requests/Loans/GetCreditOffersRequest.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Loans;
+
+use Apoloz\AlfaBank\Data\Loans\CreditOfferData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetCreditOffersRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/credit-offers';
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return CreditOfferData::collect($response->json('offers') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/Logistics/ExecuteOrderActionRequest.php b/src/Requests/Logistics/ExecuteOrderActionRequest.php
new file mode 100644
index 0000000..1942d29
--- /dev/null
+++ b/src/Requests/Logistics/ExecuteOrderActionRequest.php
@@ -0,0 +1,41 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Logistics;
+
+use Apoloz\AlfaBank\Data\Logistics\LogisticsActionData;
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class ExecuteOrderActionRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected int $channelId,
+        protected int $providerId,
+        protected string $orderId,
+        protected string $action,
+        protected LogisticsActionData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/logistics/jp/v1/partners/channels/{$this->channelId}/providers/{$this->providerId}/orders/{$this->orderId}/actions/{$this->action}";
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Logistics/GetDeliveriesRequest.php b/src/Requests/Logistics/GetDeliveriesRequest.php
new file mode 100644
index 0000000..b71a491
--- /dev/null
+++ b/src/Requests/Logistics/GetDeliveriesRequest.php
@@ -0,0 +1,39 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Logistics;
+
+use Apoloz\AlfaBank\Data\Logistics\DeliveryData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetDeliveriesRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $dateTime,
+        protected int $limit = 10,
+        protected int $offset = 0
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/logistics/jp/v1/partners/deliveries';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return [
+            'dateTime' => $this->dateTime,
+            'limit' => $this->limit,
+            'offset' => $this->offset,
+        ];
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return DeliveryData::collect($response->json('items') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/Lounge/GetLoungeBalanceRequest.php b/src/Requests/Lounge/GetLoungeBalanceRequest.php
new file mode 100644
index 0000000..3cb266d
--- /dev/null
+++ b/src/Requests/Lounge/GetLoungeBalanceRequest.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Lounge;
+
+use Apoloz\AlfaBank\Data\Lounge\LoungeBalanceData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetLoungeBalanceRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/balance';
+    }
+
+    public function createDtoFromResponse(Response $response): LoungeBalanceData
+    {
+        return LoungeBalanceData::from($response->json());
+    }
+}
diff --git a/src/Requests/Loyalty/GetLoyaltyAccountsRequest.php b/src/Requests/Loyalty/GetLoyaltyAccountsRequest.php
new file mode 100644
index 0000000..dd5b0de
--- /dev/null
+++ b/src/Requests/Loyalty/GetLoyaltyAccountsRequest.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Loyalty;
+
+use Apoloz\AlfaBank\Data\Loyalty\LoyaltyAccountData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetLoyaltyAccountsRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/bonus-accounts';
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return LoyaltyAccountData::collect($response->json('accounts') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/Loyalty/GetLoyaltyTransactionsRequest.php b/src/Requests/Loyalty/GetLoyaltyTransactionsRequest.php
new file mode 100644
index 0000000..b2b840f
--- /dev/null
+++ b/src/Requests/Loyalty/GetLoyaltyTransactionsRequest.php
@@ -0,0 +1,38 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Loyalty;
+
+use Apoloz\AlfaBank\Data\Loyalty\LoyaltyFilterData;
+use Apoloz\AlfaBank\Data\Loyalty\LoyaltyTransactionData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+use Spatie\LaravelData\DataCollection;
+
+class GetLoyaltyTransactionsRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected LoyaltyFilterData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/pp/v1/bonus-account-transactions';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return LoyaltyTransactionData::collect($response->json('transactions') ?? [], DataCollection::class);
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/NominalAccounts/Beneficiaries/CreateBeneficiaryRequest.php b/src/Requests/NominalAccounts/Beneficiaries/CreateBeneficiaryRequest.php
index 8692ae1..02af661 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/CreateBeneficiaryRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/CreateBeneficiaryRequest.php
@@ -1,7 +1,14 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to create a new beneficiary (counterparty) for a nominal account.
+// RESPONSIBILITY: To define the POST request for registering a beneficiary.
+// INPUTS: CreateBeneficiaryRequestData DTO.
+// OUTPUTS: CreateBeneficiaryResponseData DTO.
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\CreateBeneficiaryRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\CreateBeneficiaryResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,29 +16,47 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to create a new beneficiary.">
+// <BELIEF_STATE "A dedicated class for beneficiary creation improves code organization and reusability.">
 class CreateBeneficiaryRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Creating a new beneficiary resource is correctly represented by the POST verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the new beneficiary's data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO for the payload enforces data integrity and makes the request's dependencies clear.">
     public function __construct(
         protected CreateBeneficiaryRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the URI for the beneficiaries collection.">
+    // <BELIEF_STATE "The standard REST pattern is to POST to the collection endpoint to create a new item.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/beneficiaries';
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method decouples the request from the DTO's internal structure.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `CreateBeneficiaryResponseData` DTO provides a type-safe object representing the result of the creation.">
     public function createDtoFromResponse(Response $response): CreateBeneficiaryResponseData
     {
         return CreateBeneficiaryResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiariesRequest.php b/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiariesRequest.php
index bd58cf5..dfe23aa 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiariesRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiariesRequest.php
@@ -1,28 +1,42 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a list of beneficiaries.
+// RESPONSIBILITY: To define the GET request for fetching a filtered, paginated list of beneficiaries.
+// INPUTS: Various filter and pagination parameters.
+// OUTPUTS: BeneficiaryCollectionData DTO.
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `BeneficiaryCollectionData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\BeneficiaryCollectionData;
+use Apoloz\AlfaBank\Traits\HasAlfaPagination;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+use Saloon\PaginationPlugin\Contracts\Paginatable;
 
-class GetBeneficiariesRequest extends Request
+class GetBeneficiariesRequest extends Request implements Paginatable
 {
+    use HasAlfaPagination;
+
     protected Method $method = Method::GET;
 
     public function __construct(
         protected string $accountNumber,
         protected string $type,
-        protected ?int $limit = null,
-        protected ?int $offset = null,
+        ?int $limit = null,
+        ?int $offset = null,
         protected ?string $inn = null,
         protected ?string $lastName = null,
         protected ?string $firstName = null,
         protected ?string $middleName = null,
         protected ?string $name = null,
         protected ?bool $isActive = null
-    ) {}
+    ) {
+        $this->limit = $limit;
+        $this->offset = $offset;
+    }
 
     public function resolveEndpoint(): string
     {
@@ -31,22 +45,24 @@ class GetBeneficiariesRequest extends Request
 
     protected function defaultQuery(): array
     {
-        return array_filter([
+        return array_merge([
             'accountNumber' => $this->accountNumber,
             'type' => $this->type,
-            'limit' => $this->limit,
-            'offset' => $this->offset,
             'inn' => $this->inn,
             'lastName' => $this->lastName,
             'firstName' => $this->firstName,
             'middleName' => $this->middleName,
             'name' => $this->name,
             'isActive' => $this->isActive,
-        ], fn($value) => $value !== null);
+        ], $this->getPaginationQuery());
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a collection DTO.">
+    // <BELIEF_STATE "Casting the response to a `BeneficiaryCollectionData` provides a type-safe, iterable object.">
     public function createDtoFromResponse(Response $response): BeneficiaryCollectionData
     {
         return BeneficiaryCollectionData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiaryBalanceRequest.php b/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiaryBalanceRequest.php
index faa7711..d25941f 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiaryBalanceRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiaryBalanceRequest.php
@@ -1,27 +1,48 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to get the balance for a specific beneficiary.
+// RESPONSIBILITY: To define the GET request for fetching a beneficiary's balance on a given date.
+// INPUTS: Beneficiary ID, account number, and date.
+// OUTPUTS: BeneficiaryBalanceData DTO.
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `BeneficiaryBalanceData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\BeneficiaryBalanceData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get a beneficiary's balance.">
+// <BELIEF_STATE "A dedicated class for this specific query improves code clarity.">
 class GetBeneficiaryBalanceRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "GET is the correct verb for retrieving a resource.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the required identifiers and date filter.">
+    // <BELIEF_STATE "All parameters are mandatory for this request to succeed, so they are required in the constructor.">
     public function __construct(
         protected string $beneficiaryId,
         protected string $accountNumber,
         protected string $date
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for the balance sub-resource.">
+    // <BELIEF_STATE "The endpoint targets the `balance` sub-resource of a specific beneficiary, which is a standard RESTful pattern.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/beneficiaries/{$this->beneficiaryId}/balance";
     }
+    // </SECTION>
 
+    // <SECTION name="query_builder" intent="Construct the query string from constructor parameters.">
+    // <BELIEF_STATE "`defaultQuery` cleanly separates the query parameters from the endpoint URI.">
     protected function defaultQuery(): array
     {
         return [
@@ -29,9 +50,13 @@ class GetBeneficiaryBalanceRequest extends Request
             'date' => $this->date,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `BeneficiaryBalanceData` DTO provides a clear, type-safe result.">
     public function createDtoFromResponse(Response $response): BeneficiaryBalanceData
     {
         return BeneficiaryBalanceData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiaryTransactionsRequest.php b/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiaryTransactionsRequest.php
index 960bf3f..61966de 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiaryTransactionsRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/GetBeneficiaryTransactionsRequest.php
@@ -1,16 +1,33 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve transactions for a specific beneficiary.
+// RESPONSIBILITY: To encapsulate the HTTP GET request for fetching beneficiary transactions within a specified date range, supporting pagination, and mapping the API response to a typed collection DTO.
+// INPUTS: Beneficiary ID, date range (from and to), optional limit and offset for pagination.
+// OUTPUTS: A `BeneficiaryTransactionCollectionData` DTO containing a list of transactions.
+// LINKS: Data/NominalAccounts/Beneficiaries/BeneficiaryTransactionCollectionData.php, README.md#nominal-accounts
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import necessary classes for DTO, HTTP method, and Saloon Request.">
+// <BELIEF_STATE "These imports provide the foundational components for defining an API request: `BeneficiaryTransactionCollectionData` for type-safe response handling, `Method` for specifying the HTTP verb, and `Request` and `Response` from Saloon for building the API interaction.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\BeneficiaryTransactionCollectionData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request for fetching beneficiary transactions.">
+// <BELIEF_STATE "The `GetBeneficiaryTransactionsRequest` class extends Saloon's `Request` to leverage its robust features for API interaction. It sets the HTTP method to GET and defines the structure for constructing the request, including its endpoint, query parameters, and how to transform the API response into a typed DTO.">
 class GetBeneficiaryTransactionsRequest extends Request
 {
+    // <SECTION name="http_method_definition" intent="Define the HTTP method for this request.">
+    // <BELIEF_STATE "The request performs a read operation to fetch data, hence the `GET` HTTP method is appropriate and explicitly defined.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor_definition" intent="Initialize the request with beneficiary and date range parameters.">
+    // <BELIEF_STATE "The constructor enforces the provision of essential parameters like `beneficiaryId`, `dateFrom`, and `dateTo` to ensure that every request is properly scoped. Optional `limit` and `offset` parameters enable pagination, making the API interaction efficient for large datasets.">
     public function __construct(
         protected string $beneficiaryId,
         protected string $dateFrom,
@@ -18,12 +35,18 @@ class GetBeneficiaryTransactionsRequest extends Request
         protected ?int $limit = 100,
         protected ?int $offset = 0
     ) {}
+    // </SECTION>
 
+    // <SECTION name="resolve_endpoint" intent="Define the API endpoint for this request.">
+    // <BELIEF_STATE "The `resolveEndpoint` method dynamically constructs the API URL using the `beneficiaryId` provided in the constructor. This ensures that the request targets the correct resource for fetching transactions.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/beneficiaries/{$this->beneficiaryId}/transactions";
     }
+    // </SECTION>
 
+    // <SECTION name="default_query_parameters" intent="Define the default query parameters for the request.">
+    // <BELIEF_STATE "This method specifies the query parameters (`dateFrom`, `dateTo`, `limit`, `offset`) that will be appended to the request URL. These parameters are crucial for filtering and paginating the transaction data, directly influencing the scope and volume of the API response.">
     protected function defaultQuery(): array
     {
         return [
@@ -33,9 +56,14 @@ class GetBeneficiaryTransactionsRequest extends Request
             'offset' => $this->offset,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="create_dto_from_response" intent="Transform the API response into a `BeneficiaryTransactionCollectionData` DTO.">
+    // <BELIEF_STATE "This method is responsible for taking the raw JSON response from the API and converting it into a type-safe `BeneficiaryTransactionCollectionData` object. This ensures that the data consumed by the application is structured, validated, and easy to work with, adhering to the principle of strong typing.">
     public function createDtoFromResponse(Response $response): BeneficiaryTransactionCollectionData
     {
         return BeneficiaryTransactionCollectionData::from($response->json());
     }
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Requests/NominalAccounts/Beneficiaries/Requisites/AddRequisiteRequest.php b/src/Requests/NominalAccounts/Beneficiaries/Requisites/AddRequisiteRequest.php
index 8fa4a52..f16443a 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/Requisites/AddRequisiteRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/Requisites/AddRequisiteRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to add a new requisite to a beneficiary.
+// RESPONSIBILITY: To define the POST request for registering a new payment requisite for a beneficiary.
+// INPUTS: Beneficiary ID, and a CreateRequisiteRequestData DTO.
+// OUTPUTS: RequisiteData (DTO) of the newly added requisite.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries\Requisites;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites\CreateRequisiteRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites\RequisiteData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,30 +17,48 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to add a requisite to a beneficiary.">
+// <BELIEF_STATE "A dedicated class cleanly encapsulates the logic for this state-changing API call.">
 class AddRequisiteRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Adding a new sub-resource (requisite) to an existing resource (beneficiary) is typically a POST operation to the sub-resource collection.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the beneficiary ID and the requisite data.">
+    // <BELIEF_STATE "The `beneficiaryId` is a mandatory path parameter, and `CreateRequisiteRequestData` ensures the payload is type-safe and valid.">
     public function __construct(
         protected string $beneficiaryId,
         protected CreateRequisiteRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for adding a requisite.">
+    // <BELIEF_STATE "The endpoint targets the `requisites` sub-resource of a specific beneficiary.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/beneficiaries/{$this->beneficiaryId}/requisites";
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the payload is correctly formatted for the API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a RequisiteData DTO.">
+    // <BELIEF_STATE "The API returns the newly created requisite object. Casting it to a DTO provides a clean, type-safe object for the user.">
     public function createDtoFromResponse(Response $response): RequisiteData
     {
         return RequisiteData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Beneficiaries/Requisites/GetRequisitesRequest.php b/src/Requests/NominalAccounts/Beneficiaries/Requisites/GetRequisitesRequest.php
index 4c60c47..5d03b29 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/Requisites/GetRequisitesRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/Requisites/GetRequisitesRequest.php
@@ -1,28 +1,51 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve all requisites for a specific beneficiary.
+// RESPONSIBILITY: To define the GET request for fetching payment requisites associated with a beneficiary.
+// INPUTS: Beneficiary ID (string).
+// OUTPUTS: A collection of RequisiteData DTOs.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries\Requisites;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request returns a collection of `RequisiteData` DTOs.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites\RequisiteData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get requisites for a beneficiary.">
+// <BELIEF_STATE "This class encapsulates the logic for fetching all requisites related to a specific beneficiary.">
 class GetRequisitesRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "GET is the correct verb for retrieving a collection of resources.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the beneficiary's unique identifier.">
+    // <BELIEF_STATE "The `beneficiaryId` is mandatory to specify which beneficiary's requisites are being queried.">
     public function __construct(
         protected string $beneficiaryId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for beneficiary requisites.">
+    // <BELIEF_STATE "The endpoint targets the `requisites` sub-resource of a specific beneficiary.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/beneficiaries/{$this->beneficiaryId}/requisites";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON array response to a collection of DTOs.">
+    // <BELIEF_STATE "The API returns a JSON array. Using `RequisiteData::collect` automatically converts this array into a type-safe, iterable `DataCollection` of `RequisiteData` objects.">
     public function createDtoFromResponse(Response $response): DataCollection
     {
         return RequisiteData::collect($response->json(), DataCollection::class);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequest.php b/src/Requests/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequest.php
index c97fa04..45dc51c 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/Requisites/UpdateRequisiteRequest.php
@@ -1,23 +1,32 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to update a specific requisite for a beneficiary.
+// RESPONSIBILITY: To define the PATCH request for modifying an existing payment requisite.
+// INPUTS: Beneficiary ID, requisite ID, and an UpdateRequisiteRequestData DTO.
+// OUTPUTS: No specific DTO, typically a 200 OK or 202 Accepted status.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries\Requisites;
 
-use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites\UpdateRequisiteRequestData;
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This PATCH request requires the `UpdateRequisiteRequestData` DTO for its JSON body and Saloon's body-handling traits.">
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
 
 class UpdateRequisiteRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
-    protected Method $method = Method::PATCH;
+    protected Method $method = Method::PUT;
 
     public function __construct(
         protected string $beneficiaryId,
         protected string $requisiteId,
-        protected UpdateRequisiteRequestData $data
+        protected array $data
     ) {}
 
     public function resolveEndpoint(): string
@@ -27,6 +36,11 @@ class UpdateRequisiteRequest extends Request implements HasBody
 
     protected function defaultBody(): array
     {
-        return $this->data->toArray();
+        return $this->data;
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
     }
 }
diff --git a/src/Requests/NominalAccounts/Beneficiaries/ScoreBeneficiaryRequest.php b/src/Requests/NominalAccounts/Beneficiaries/ScoreBeneficiaryRequest.php
index bae5d7a..42b804d 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/ScoreBeneficiaryRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/ScoreBeneficiaryRequest.php
@@ -1,27 +1,49 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to initiate a scoring check for a specific beneficiary.
+// RESPONSIBILITY: To define the POST request for triggering a beneficiary scoring process.
+// INPUTS: Beneficiary ID (string).
+// OUTPUTS: CreateBeneficiaryResponseData DTO (confirming the scoring operation's status).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This POST request requires a response DTO for the status of the scoring operation.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\CreateBeneficiaryResponseData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to score a beneficiary.">
+// <BELIEF_STATE "A dedicated class for this action makes the purpose explicit and the request reusable.">
 class ScoreBeneficiaryRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Triggering a new process or action that changes server-side state, even if no new resource is created, is appropriately handled by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the beneficiary's unique identifier.">
+    // <BELIEF_STATE "The `beneficiaryId` is a mandatory path parameter to identify which beneficiary to score.">
     public function __construct(
         protected string $beneficiaryId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for the scoring action.">
+    // <BELIEF_STATE "The endpoint specifically targets the `/scoring` sub-resource of a beneficiary.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/beneficiaries/{$this->beneficiaryId}/scoring";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "The API returns a status for the scoring operation, mapped to `CreateBeneficiaryResponseData` for consistency, which includes a request ID and status.">
     public function createDtoFromResponse(Response $response): CreateBeneficiaryResponseData
     {
         return CreateBeneficiaryResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequest.php b/src/Requests/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequest.php
index 960ba87..e14ddb5 100644
--- a/src/Requests/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequest.php
+++ b/src/Requests/NominalAccounts/Beneficiaries/UpdateBeneficiaryRequest.php
@@ -1,38 +1,63 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to update an existing beneficiary.
+// RESPONSIBILITY: To define the PUT request for modifying a beneficiary's details.
+// INPUTS: Beneficiary ID and an UpdateBeneficiaryRequestData DTO.
+// OUTPUTS: CreateBeneficiaryResponseData DTO (confirming the update operation's status).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries;
 
-use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\CreateBeneficiaryResponseData;
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This PUT request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
+use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\CreateBeneficiaryResponseData; // Response is status data
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\UpdateBeneficiaryRequestData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to update a beneficiary.">
+// <BELIEF_STATE "A dedicated class clearly encapsulates the logic for updating a beneficiary.">
 class UpdateBeneficiaryRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "PUT is the appropriate verb for a complete replacement or update of a resource at a known URI.">
     protected Method $method = Method::PUT;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the beneficiary ID and the DTO containing the update data.">
+    // <BELIEF_STATE "The `beneficiaryId` targets the specific resource, and `UpdateBeneficiaryRequestData` ensures the payload is type-safe.">
     public function __construct(
         protected string $beneficiaryId,
         protected UpdateBeneficiaryRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for updating a specific beneficiary.">
+    // <BELIEF_STATE "The endpoint uses the `beneficiaryId` as a path parameter to target the specific resource for update.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/beneficiaries/{$this->beneficiaryId}";
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the payload is correctly formatted for the API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "The API returns a status for the update operation, mapped to `CreateBeneficiaryResponseData` for consistency, which includes a request ID and status.">
     public function createDtoFromResponse(Response $response): CreateBeneficiaryResponseData
     {
         return CreateBeneficiaryResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/AddDealRequest.php b/src/Requests/NominalAccounts/Deals/AddDealRequest.php
index eb45e5a..8e0c906 100644
--- a/src/Requests/NominalAccounts/Deals/AddDealRequest.php
+++ b/src/Requests/NominalAccounts/Deals/AddDealRequest.php
@@ -1,7 +1,14 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to create a new deal.
+// RESPONSIBILITY: To define the POST request for creating a deal, including its JSON body structure.
+// INPUTS: Account number, expiration date, and a collection of digest signatures.
+// OUTPUTS: DealData (DTO) of the newly created deal.
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This is a POST request with a JSON body, so it requires `HasBody` and `HasJsonBody`. It also needs the relevant DTOs for its payload and response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\DealData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,26 +16,44 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+use Spatie\LaravelData\Attributes\DataCollectionOf;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to create a new deal.">
+// <BELIEF_STATE "A dedicated class cleanly encapsulates the logic for this state-changing API call.">
 class AddDealRequest extends Request implements HasBody
 {
+    // <SECTION name="feature_traits" intent="Enable JSON body serialization.">
+    // <BELIEF_STATE "The `HasJsonBody` trait automatically sets the `Content-Type: application/json` header and handles JSON encoding.">
     use HasJsonBody;
+    // </SECTION>
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Creating a new resource on the server is correctly represented by the POST verb in REST.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the data required for the new deal's body.">
+    // <BELIEF_STATE "The constructor requires all mandatory fields for creating a deal, ensuring the request cannot be sent in an invalid state. The `DataCollectionOf` attribute ensures the signature data is correctly typed.">
     public function __construct(
         protected string $accountNumber,
         protected string $expireDate,
         #[DataCollectionOf(DigestSignatureData::class)]
         protected DataCollection $digestSignatures
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the URI for creating deals.">
+    // <BELIEF_STATE "The endpoint for creating a deal is the same as the collection endpoint for getting deals, which is standard REST practice.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/deals';
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "This method maps the constructor properties to the expected JSON payload structure. The `toArray()` call on the data collection handles its serialization.">
     protected function defaultBody(): array
     {
         return [
@@ -37,9 +62,13 @@ class AddDealRequest extends Request implements HasBody
             'digestSignatures' => $this->digestSignatures->toArray(),
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DealData DTO.">
+    // <BELIEF_STATE "The API returns the newly created deal object. Casting it to a DTO provides a clean, type-safe object for the user.">
     public function createDtoFromResponse(Response $response): DealData
     {
         return DealData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/DealActionRequest.php b/src/Requests/NominalAccounts/Deals/DealActionRequest.php
index ddd794f..77b913b 100644
--- a/src/Requests/NominalAccounts/Deals/DealActionRequest.php
+++ b/src/Requests/NominalAccounts/Deals/DealActionRequest.php
@@ -1,38 +1,41 @@
 <?php
-
-namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals;
-
-use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
+/*
+// MODULE_CONTRACT: Represents the API call to perform an action (e.g., accept, complete, cancel) on a deal.
+// RESPONSIBILITY: To define the PATCH request for changing the state of a deal.
+// INPUTS: Deal ID, action type, and digest signatures.
+// OUTPUTS: No specific DTO, typically a 200 OK or 202 Accepted status.
+*/
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
-use Spatie\LaravelData\DataCollection;
 
 class DealActionRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
-    protected Method $method = Method::PATCH;
+    protected Method $method = Method::POST;
 
     public function __construct(
         protected string $dealId,
-        protected string $action, // ACCEPT, COMPLETE, CANCEL
-        #[DataCollectionOf(DigestSignatureData::class)]
-        protected DataCollection $digestSignatures
+        protected string $action,
+        protected array $data = []
     ) {}
 
     public function resolveEndpoint(): string
     {
-        return '/api/na/jp/v1/deals/action';
+        return "/api/na/jp/v1/deals/{$this->dealId}/actions/{$this->action}";
     }
 
     protected function defaultBody(): array
     {
-        return [
-            'dealId' => $this->dealId,
-            'action' => $this->action,
-            'digestSignatures' => $this->digestSignatures->toArray(),
-        ];
+        return $this->data;
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
     }
 }
diff --git a/src/Requests/NominalAccounts/Deals/GetDealPayoffsRequest.php b/src/Requests/NominalAccounts/Deals/GetDealPayoffsRequest.php
index 0623048..5396a4d 100644
--- a/src/Requests/NominalAccounts/Deals/GetDealPayoffsRequest.php
+++ b/src/Requests/NominalAccounts/Deals/GetDealPayoffsRequest.php
@@ -1,28 +1,50 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to get a list of payoffs for a specific deal.
+// RESPONSIBILITY: To define the GET request for fetching all payoffs associated with a deal.
+// INPUTS: Deal ID (string).
+// OUTPUTS: A collection of DealPayoffData DTOs.
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components.">
+// <BELIEF_STATE "This request returns a list, so it needs the `DealPayoffData` DTO and the `DataCollection` class to handle the response correctly.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\DealPayoffData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get payoffs for a deal.">
+// <BELIEF_STATE "This class encapsulates the logic for a specific query related to a deal.">
 class GetDealPayoffsRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "GET is the correct verb for retrieving a list of resources.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the deal's unique identifier.">
+    // <BELIEF_STATE "The `dealId` is a mandatory path parameter to identify which deal's payoffs to fetch.">
     public function __construct(
         protected string $dealId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for deal payoffs.">
+    // <BELIEF_STATE "The endpoint path is specific to fetching the `payoffs` sub-resource of a deal.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/deals/{$this->dealId}/payoffs";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON array response to a collection of DTOs.">
+    // <BELIEF_STATE "The API returns a JSON array. Using `DealPayoffData::collect` automatically converts this array into a type-safe, iterable `DataCollection` of `DealPayoffData` objects.">
     public function createDtoFromResponse(Response $response): DataCollection
     {
         return DealPayoffData::collect($response->json(), DataCollection::class);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/GetDealRequest.php b/src/Requests/NominalAccounts/Deals/GetDealRequest.php
index 4aa37d4..643407d 100644
--- a/src/Requests/NominalAccounts/Deals/GetDealRequest.php
+++ b/src/Requests/NominalAccounts/Deals/GetDealRequest.php
@@ -1,27 +1,49 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a single deal by its ID.
+// RESPONSIBILITY: To define the GET request structure for fetching a specific deal's details.
+// INPUTS: Deal ID (string).
+// OUTPUTS: DealData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request needs the `DealData` DTO for its response and Saloon's base Request class.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\DealData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get a single deal.">
+// <BELIEF_STATE "A dedicated class encapsulates the logic for this specific API endpoint, promoting reusability and separation of concerns.">
 class GetDealRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Fetching a resource by its identifier is a read-only operation, making GET the correct RESTful verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the deal's unique identifier.">
+    // <BELIEF_STATE "The `dealId` is a mandatory path parameter for this endpoint, so it must be required in the constructor.">
     public function __construct(
         protected string $dealId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI with the dynamic deal ID.">
+    // <BELIEF_STATE "The endpoint is dynamic. Injecting the `dealId` into the URI is handled here to keep the endpoint definition clean and centralized within the request class.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/deals/{$this->dealId}";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DealData DTO.">
+    // <BELIEF_STATE "Automated casting to a DTO provides type safety and a clean object-oriented interface for the API response.">
     public function createDtoFromResponse(Response $response): DealData
     {
         return DealData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/GetDealRequestStatusRequest.php b/src/Requests/NominalAccounts/Deals/GetDealRequestStatusRequest.php
index b372222..4bc08db 100644
--- a/src/Requests/NominalAccounts/Deals/GetDealRequestStatusRequest.php
+++ b/src/Requests/NominalAccounts/Deals/GetDealRequestStatusRequest.php
@@ -1,28 +1,51 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve the status of a deal-related request.
+// RESPONSIBILITY: To define the GET request for checking the outcome of an asynchronous deal operation.
+// INPUTS: Deal ID and a specific request ID.
+// OUTPUTS: DealRequestStatusData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `DealRequestStatusData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\DealRequestStatusData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the status of a deal request.">
+// <BELIEF_STATE "This class allows polling for the status of an asynchronous deal process, which is common for complex business workflows.">
 class GetDealRequestStatusRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving the status of a resource is a read-only operation, making GET the correct verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the deal ID and the request ID.">
+    // <BELIEF_STATE "Both `dealId` and `requestId` are mandatory path parameters to identify the specific deal operation whose status is being queried.">
     public function __construct(
         protected string $dealId,
         protected string $requestId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for the deal request status.">
+    // <BELIEF_STATE "The endpoint is dynamically constructed, targeting the status of a specific request within a given deal.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/deals/{$this->dealId}/requests/{$this->requestId}/status";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DealRequestStatusData DTO.">
+    // <BELIEF_STATE "Casting the response to a `DealRequestStatusData` DTO provides a clear, type-safe object representing the current state of the deal operation.">
     public function createDtoFromResponse(Response $response): DealRequestStatusData
     {
         return DealRequestStatusData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/GetDealsRequest.php b/src/Requests/NominalAccounts/Deals/GetDealsRequest.php
index 13b8f0d..5570efc 100644
--- a/src/Requests/NominalAccounts/Deals/GetDealsRequest.php
+++ b/src/Requests/NominalAccounts/Deals/GetDealsRequest.php
@@ -1,27 +1,48 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a list of deals.
+// RESPONSIBILITY: To define the GET request for fetching a paginated list of deals associated with an account.
+// INPUTS: Account number, pagination parameters (limit, offset).
+// OUTPUTS: DealCollectionData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "Requires the `DealCollectionData` DTO for the response and Saloon's base Request class.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\DealCollectionData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get a list of deals.">
+// <BELIEF_STATE "A dedicated class for fetching the deals list allows for easy pagination and reuse.">
 class GetDealsRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Fetching a collection of resources is a read-only operation, making GET the correct verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject required filters and optional pagination parameters.">
+    // <BELIEF_STATE "The `accountNumber` is a mandatory filter. Sensible defaults are provided for `limit` and `offset` to make basic usage simple.">
     public function __construct(
         protected string $accountNumber,
         protected ?int $limit = 100,
         protected ?int $offset = 0
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the static URI for the deals collection.">
+    // <BELIEF_STATE "The base endpoint for the deals collection is static. Filters are added as query parameters.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/deals';
     }
+    // </SECTION>
 
+    // <SECTION name="query_builder" intent="Construct the query string from constructor parameters.">
+    // <BELIEF_STATE "Using `defaultQuery` is the canonical Saloon way to manage query parameters, keeping them separate from the base endpoint URI.">
     protected function defaultQuery(): array
     {
         return [
@@ -30,9 +51,13 @@ class GetDealsRequest extends Request
             'offset' => $this->offset,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DealCollectionData DTO.">
+    // <BELIEF_STATE "Casting to a collection DTO provides a type-safe, iterable object for the list of deals.">
     public function createDtoFromResponse(Response $response): DealCollectionData
     {
         return DealCollectionData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/Steps/GetStepContractorsRequest.php b/src/Requests/NominalAccounts/Deals/Steps/GetStepContractorsRequest.php
index 279a8e9..82a9d38 100644
--- a/src/Requests/NominalAccounts/Deals/Steps/GetStepContractorsRequest.php
+++ b/src/Requests/NominalAccounts/Deals/Steps/GetStepContractorsRequest.php
@@ -1,29 +1,51 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve contractors associated with a specific deal step.
+// RESPONSIBILITY: To define the GET request for fetching details of contractors involved in a deal step.
+// INPUTS: Deal ID, step ID, and optional contractor filters.
+// OUTPUTS: A collection of StepContractorData DTOs.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components.">
+// <BELIEF_STATE "This request returns a collection of `StepContractorData` DTOs.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps\StepContractorData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get contractors for a deal step.">
+// <BELIEF_STATE "This class encapsulates the logic for fetching contractors involved in a specific step of a deal, allowing for optional filtering.">
 class GetStepContractorsRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving a collection of resources is a read-only operation, making GET the correct verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the deal ID, step ID, and optional contractor filters.">
+    // <BELIEF_STATE "The `dealId` and `stepId` are mandatory path parameters. `contractorId` and `role` are optional filters to narrow down the search.">
     public function __construct(
         protected string $dealId,
         protected string $stepId,
         protected ?string $contractorId = null,
         protected ?string $role = null
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for deal step contractors.">
+    // <BELIEF_STATE "The endpoint targets the `contractors` sub-resource of a specific step within a deal.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/deals/{$this->dealId}/steps/{$this->stepId}/contractors";
     }
+    // </SECTION>
 
+    // <SECTION name="query_builder" intent="Construct the query string from the optional filters.">
+    // <BELIEF_STATE "Using `array_filter` ensures that only non-null optional parameters are included in the query string, resulting in clean URLs.">
     protected function defaultQuery(): array
     {
         return array_filter([
@@ -31,9 +53,13 @@ class GetStepContractorsRequest extends Request
             'role' => $this->role,
         ]);
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON array response to a collection of DTOs.">
+    // <BELIEF_STATE "The API returns a JSON array. Using `StepContractorData::collect` automatically converts this array into a type-safe, iterable `DataCollection` of `StepContractorData` objects.">
     public function createDtoFromResponse(Response $response): DataCollection
     {
         return StepContractorData::collect($response->json(), DataCollection::class);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/Steps/GetStepRequest.php b/src/Requests/NominalAccounts/Deals/Steps/GetStepRequest.php
index 3f4fc7a..78cc816 100644
--- a/src/Requests/NominalAccounts/Deals/Steps/GetStepRequest.php
+++ b/src/Requests/NominalAccounts/Deals/Steps/GetStepRequest.php
@@ -1,28 +1,51 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a single step for a specific deal.
+// RESPONSIBILITY: To define the GET request for fetching details of a particular deal step.
+// INPUTS: Deal ID, step ID.
+// OUTPUTS: StepData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `StepData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps\StepData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get a single deal step.">
+// <BELIEF_STATE "A dedicated class provides a clean and reusable way to fetch details of a specific step within a deal.">
 class GetStepRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving a specific resource by its ID is a read-only operation, making GET the correct RESTful verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the deal ID and step ID.">
+    // <BELIEF_STATE "Both `dealId` and `stepId` are mandatory path parameters to identify the specific step being queried.">
     public function __construct(
         protected string $dealId,
         protected string $stepId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for a specific deal step.">
+    // <BELIEF_STATE "The endpoint is dynamically constructed with both `dealId` and `stepId` to target the precise step resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/deals/{$this->dealId}/steps/{$this->stepId}";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a StepData DTO.">
+    // <BELIEF_STATE "Automated casting to a `StepData` DTO ensures a type-safe and comprehensive object representation of the deal step.">
     public function createDtoFromResponse(Response $response): StepData
     {
         return StepData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/Steps/GetStepsRequest.php b/src/Requests/NominalAccounts/Deals/Steps/GetStepsRequest.php
index 316c9eb..7ba38a4 100644
--- a/src/Requests/NominalAccounts/Deals/Steps/GetStepsRequest.php
+++ b/src/Requests/NominalAccounts/Deals/Steps/GetStepsRequest.php
@@ -1,28 +1,50 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a list of steps for a specific deal.
+// RESPONSIBILITY: To define the GET request for fetching all steps associated with a deal.
+// INPUTS: Deal ID, and optional pagination parameters.
+// OUTPUTS: A collection of StepData DTOs.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components.">
+// <BELIEF_STATE "This request returns a list of steps, so it needs the `StepData` DTO and the `DataCollection` class to handle the response correctly.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps\StepData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get all steps for a deal.">
+// <BELIEF_STATE "This class encapsulates the logic for fetching all steps related to a specific deal, supporting pagination.">
 class GetStepsRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "GET is the correct verb for retrieving a list of resources.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the deal ID and optional pagination parameters.">
+    // <BELIEF_STATE "The `dealId` is mandatory to specify which deal's steps are being queried. `limit` and `offset` provide pagination capabilities.">
     public function __construct(
         protected string $dealId,
         protected ?int $limit = 50,
         protected ?int $offset = 0
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for the steps collection of a deal.">
+    // <BELIEF_STATE "The endpoint targets the `steps` sub-resource of a specific deal.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/deals/{$this->dealId}/steps";
     }
+    // </SECTION>
 
+    // <SECTION name="query_builder" intent="Construct the query string for pagination.">
+    // <BELIEF_STATE "The `defaultQuery` method properly assigns the pagination parameters to the query string.">
     protected function defaultQuery(): array
     {
         return [
@@ -30,9 +52,13 @@ class GetStepsRequest extends Request
             'offset' => $this->offset,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON array response to a collection of DTOs.">
+    // <BELIEF_STATE "The API returns a JSON array. Using `StepData::collect` automatically converts this array into a type-safe, iterable `DataCollection` of `StepData` objects.">
     public function createDtoFromResponse(Response $response): DataCollection
     {
         return StepData::collect($response->json(), DataCollection::class);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/Steps/ManageContractorRequest.php b/src/Requests/NominalAccounts/Deals/Steps/ManageContractorRequest.php
index b1fa98f..14bb4d2 100644
--- a/src/Requests/NominalAccounts/Deals/Steps/ManageContractorRequest.php
+++ b/src/Requests/NominalAccounts/Deals/Steps/ManageContractorRequest.php
@@ -1,30 +1,46 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to perform an action on a deal contractor.
+// RESPONSIBILITY: To define the PATCH request for managing aspects of a contractor within a deal step (e.g., adding funds, setting requisites).
+// INPUTS: ContractorActionRequestData DTO.
+// OUTPUTS: No specific DTO, typically a 200 OK or 202 Accepted status.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals\Steps;
 
-use Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps\ContractorActionRequestData;
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This PATCH request requires the `ContractorActionRequestData` DTO for its JSON body and Saloon's body-handling traits.">
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
 
 class ManageContractorRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
-    protected Method $method = Method::PATCH;
+    protected Method $method = Method::POST;
 
     public function __construct(
-        protected ContractorActionRequestData $data
+        protected string $dealId,
+        protected string $stepId,
+        protected array $data
     ) {}
 
     public function resolveEndpoint(): string
     {
-        return '/api/na/jp/v1/deals/steps/contractors';
+        return "/api/na/jp/v1/deals/{$this->dealId}/steps/{$this->stepId}/contractors";
     }
 
     protected function defaultBody(): array
     {
-        return $this->data->toArray();
+        return $this->data;
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
     }
 }
diff --git a/src/Requests/NominalAccounts/Deals/Steps/ManageStepRequest.php b/src/Requests/NominalAccounts/Deals/Steps/ManageStepRequest.php
index 70d80ef..57d4d7b 100644
--- a/src/Requests/NominalAccounts/Deals/Steps/ManageStepRequest.php
+++ b/src/Requests/NominalAccounts/Deals/Steps/ManageStepRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to perform an action (e.g., complete, cancel) on a deal step.
+// RESPONSIBILITY: To define the POST request for managing the state of a deal step.
+// INPUTS: StepActionRequestData DTO.
+// OUTPUTS: StepActionResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals\Steps;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request needs specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps\StepActionRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps\StepActionResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,29 +17,47 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to manage a deal step.">
+// <BELIEF_STATE "This class encapsulates a critical state-changing operation on a deal step, ensuring type safety and reusability.">
 class ManageStepRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Triggering an action on a resource, such as completing or canceling a step, is correctly represented by the POST verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the step action details.">
+    // <BELIEF_STATE "Using a strongly-typed `StepActionRequestData` DTO ensures that all necessary information for managing the step is provided and correctly structured.">
     public function __construct(
         protected StepActionRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the URI for managing deal steps.">
+    // <BELIEF_STATE "The endpoint is a static URI for performing actions on deal steps.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/deals/steps';
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the complex action payload is correctly formatted for the API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a StepActionResponseData DTO.">
+    // <BELIEF_STATE "The API returns a `StepActionResponseData` DTO, providing a type-safe object representing the outcome of the step management operation.">
     public function createDtoFromResponse(Response $response): StepActionResponseData
     {
         return StepActionResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Deals/ValidateDealRequest.php b/src/Requests/NominalAccounts/Deals/ValidateDealRequest.php
index 5b877d2..422382c 100644
--- a/src/Requests/NominalAccounts/Deals/ValidateDealRequest.php
+++ b/src/Requests/NominalAccounts/Deals/ValidateDealRequest.php
@@ -1,27 +1,49 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to validate if a deal is ready for payments.
+// RESPONSIBILITY: To define the PATCH request for checking a deal's validity.
+// INPUTS: Deal ID (string).
+// OUTPUTS: ValidateDealResponseData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Deals;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request needs the `ValidateDealResponseData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Deals\ValidateDealResponseData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to validate a deal.">
+// <BELIEF_STATE "Encapsulating this specific validation action in a class improves clarity and reusability.">
 class ValidateDealRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "While this feels like a GET, the API documentation specifies PATCH for this operation, likely because it could trigger a state check or minor update on the backend.">
     protected Method $method = Method::PATCH;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the deal's unique identifier.">
+    // <BELIEF_STATE "The `dealId` is a mandatory path parameter and must be provided.">
     public function __construct(
         protected string $dealId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for deal validation.">
+    // <BELIEF_STATE "The endpoint includes the dynamic `dealId` and a specific action path `/is-valid`.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/deals/{$this->dealId}/is-valid";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a ValidateDealResponseData DTO.">
+    // <BELIEF_STATE "Casting the response to a dedicated DTO provides a clear, type-safe result for the validation check.">
     public function createDtoFromResponse(Response $response): ValidateDealResponseData
     {
         return ValidateDealResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/GetCounterpartyRequestStatusRequest.php b/src/Requests/NominalAccounts/GetCounterpartyRequestStatusRequest.php
index 4720021..32c36ba 100644
--- a/src/Requests/NominalAccounts/GetCounterpartyRequestStatusRequest.php
+++ b/src/Requests/NominalAccounts/GetCounterpartyRequestStatusRequest.php
@@ -1,27 +1,49 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve the status of an asynchronous counterparty request.
+// RESPONSIBILITY: To define the GET request for checking the status of operations like beneficiary creation or update.
+// INPUTS: Request ID (string).
+// OUTPUTS: CounterpartyRequestStatusData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `CounterpartyRequestStatusData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\CounterpartyRequestStatusData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the status of a counterparty operation.">
+// <BELIEF_STATE "This class allows for polling the status of long-running operations, which is common in banking APIs where processes are not instant.">
 class GetCounterpartyRequestStatusRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving the status of a resource is a read-only operation, making GET the correct verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the unique request ID.">
+    // <BELIEF_STATE "The `requestId` is mandatory to identify the specific operation whose status is being queried.">
     public function __construct(
         protected string $requestId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for the counterparty request status.">
+    // <BELIEF_STATE "The endpoint is dynamically constructed with the `requestId` to target the specific status resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/beneficiaries/requests/{$this->requestId}/status";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a CounterpartyRequestStatusData DTO.">
+    // <BELIEF_STATE "Casting the response to a `CounterpartyRequestStatusData` DTO provides a clear, type-safe representation of the asynchronous request's current state.">
     public function createDtoFromResponse(Response $response): CounterpartyRequestStatusData
     {
         return CounterpartyRequestStatusData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/GetNominalAccountsRequest.php b/src/Requests/NominalAccounts/GetNominalAccountsRequest.php
index c62f34b..e407b50 100644
--- a/src/Requests/NominalAccounts/GetNominalAccountsRequest.php
+++ b/src/Requests/NominalAccounts/GetNominalAccountsRequest.php
@@ -1,8 +1,16 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a list of nominal accounts.
+// RESPONSIBILITY: To define the GET request for fetching all available nominal accounts.
+// INPUTS: None (implicitly uses connector's authentication).
+// OUTPUTS: A collection of NominalAccountData DTOs.
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `NominalAccountData` DTO for its response, within a `DataCollection`.">
 use Apoloz\AlfaBank\Data\NominalAccounts\NominalAccountData;
+use Apoloz\AlfaBank\Traits\HasAlfaPagination;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
@@ -10,15 +18,33 @@ use Spatie\LaravelData\DataCollection;
 
 class GetNominalAccountsRequest extends Request
 {
+    use HasAlfaPagination;
+
     protected Method $method = Method::GET;
 
+    public function __construct(
+        ?int $limit = 100,
+        ?int $offset = 0
+    ) {
+        $this->limit = $limit;
+        $this->offset = $offset;
+    }
+
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/nominal-accounts';
     }
 
+    protected function defaultQuery(): array
+    {
+        return $this->getPaginationQuery();
+    }
+
+    // <SECTION name="response_caster" intent="Map the JSON array response to a collection of DTOs.">
+    // <BELIEF_STATE "The API returns a JSON array of accounts. Using `NominalAccountData::collect` automatically converts this array into a type-safe, iterable `DataCollection` of `NominalAccountData` objects.">
     public function createDtoFromResponse(Response $response): DataCollection
     {
         return NominalAccountData::collect($response->json(), DataCollection::class);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Identification/GetIdentifyStatusRequest.php b/src/Requests/NominalAccounts/Identification/GetIdentifyStatusRequest.php
index 7d80e00..e871253 100644
--- a/src/Requests/NominalAccounts/Identification/GetIdentifyStatusRequest.php
+++ b/src/Requests/NominalAccounts/Identification/GetIdentifyStatusRequest.php
@@ -1,28 +1,50 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve the status of a transaction identification request.
+// RESPONSIBILITY: To define the GET request for checking the outcome of a previously initiated identification process.
+// INPUTS: Unidentified transaction ID and the specific identification request ID.
+// OUTPUTS: IdentifyResponseData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `IdentifyResponseData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Identification\IdentifyResponseData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the status of an identification operation.">
+// <BELIEF_STATE "This class allows polling for the status of an asynchronous identification process, common in systems where processing takes time.">
 class GetIdentifyStatusRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving the status of a resource is a read-only operation, making GET the correct verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the transaction ID and the identification request ID.">
+    // <BELIEF_STATE "Both `id` and `identifyId` are mandatory path parameters to pinpoint the specific status resource.">
     public function __construct(
         protected string $id,
         protected string $identifyId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for the identification status.">
+    // <BELIEF_STATE "The endpoint is dynamically constructed, targeting the status of a specific identification request for a given unidentified transaction.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/unidentified-transactions/{$this->id}/identify/{$this->identifyId}";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to an IdentifyResponseData DTO.">
+    // <BELIEF_STATE "Casting the response to an `IdentifyResponseData` DTO provides a clear, type-safe object representing the current status of the identification process.">
     public function createDtoFromResponse(Response $response): IdentifyResponseData
     {
         return IdentifyResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Identification/GetUnidentifiedTransactionsRequest.php b/src/Requests/NominalAccounts/Identification/GetUnidentifiedTransactionsRequest.php
index c15e580..1639449 100644
--- a/src/Requests/NominalAccounts/Identification/GetUnidentifiedTransactionsRequest.php
+++ b/src/Requests/NominalAccounts/Identification/GetUnidentifiedTransactionsRequest.php
@@ -1,27 +1,48 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a list of unidentified transactions.
+// RESPONSIBILITY: To define the GET request for fetching transactions that need to be identified or categorized.
+// INPUTS: Account number, and optional pagination parameters.
+// OUTPUTS: UnidentifiedTransactionCollectionData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `UnidentifiedTransactionCollectionData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Identification\UnidentifiedTransactionCollectionData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get a list of unidentified transactions.">
+// <BELIEF_STATE "This class encapsulates the query for transactions that require manual or automated identification, crucial for managing nominal accounts.">
 class GetUnidentifiedTransactionsRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving a collection of resources is a read-only operation, making GET the correct verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the required account number and optional pagination parameters.">
+    // <BELIEF_STATE "The `accountNumber` is mandatory to specify which account's unidentified transactions are being queried. Pagination parameters (`limit`, `offset`) allow for efficient retrieval of large datasets.">
     public function __construct(
         protected string $accountNumber,
         protected ?int $limit = null,
         protected ?int $offset = null,
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the URI for the unidentified transactions collection.">
+    // <BELIEF_STATE "The endpoint is a static URI for fetching unidentified transactions.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/unidentified-transactions';
     }
+    // </SECTION>
 
+    // <SECTION name="query_builder" intent="Construct the query string from the provided parameters.">
+    // <BELIEF_STATE "Using `array_filter` ensures that only non-null optional parameters are included in the query string, resulting in clean and valid API requests.">
     protected function defaultQuery(): array
     {
         return array_filter([
@@ -30,9 +51,13 @@ class GetUnidentifiedTransactionsRequest extends Request
             'offset' => $this->offset,
         ]);
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a collection DTO.">
+    // <BELIEF_STATE "Casting the response to an `UnidentifiedTransactionCollectionData` DTO provides a type-safe, iterable object for the list of transactions awaiting identification.">
     public function createDtoFromResponse(Response $response): UnidentifiedTransactionCollectionData
     {
         return UnidentifiedTransactionCollectionData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Identification/IdentifyTransactionRequest.php b/src/Requests/NominalAccounts/Identification/IdentifyTransactionRequest.php
index 37ee602..74ec7d3 100644
--- a/src/Requests/NominalAccounts/Identification/IdentifyTransactionRequest.php
+++ b/src/Requests/NominalAccounts/Identification/IdentifyTransactionRequest.php
@@ -1,7 +1,14 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to identify (categorize/assign) an unidentified transaction.
+// RESPONSIBILITY: To define the POST request for assigning an identified entity to a previously unidentified transaction.
+// INPUTS: Unidentified transaction ID, and an IdentifyRequestData DTO.
+// OUTPUTS: IdentifyResponseData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request needs specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Identification\IdentifyRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Identification\IdentifyResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,30 +16,48 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to identify an unidentified transaction.">
+// <BELIEF_STATE "This class encapsulates the action of categorizing a transaction, which is a state-changing operation.">
 class IdentifyTransactionRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Triggering an action or a new process to identify a transaction is correctly represented by the POST verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the transaction ID and the identification data.">
+    // <BELIEF_STATE "The constructor takes the unique `id` of the unidentified transaction and the `IdentifyRequestData` DTO, ensuring all necessary information for identification is provided.">
     public function __construct(
         protected string $id,
         protected IdentifyRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for identifying a transaction.">
+    // <BELIEF_STATE "The endpoint is specific to performing an `identify` action on a given `unidentified-transactions` resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/unidentified-transactions/{$this->id}/identify";
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the payload is correctly formatted for the API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to an IdentifyResponseData DTO.">
+    // <BELIEF_STATE "The API returns an `IdentifyResponseData` DTO, providing a type-safe object representing the outcome of the identification process.">
     public function createDtoFromResponse(Response $response): IdentifyResponseData
     {
         return IdentifyResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Identification/RefundUnidentifiedTransactionRequest.php b/src/Requests/NominalAccounts/Identification/RefundUnidentifiedTransactionRequest.php
index d7b0aa1..248eabf 100644
--- a/src/Requests/NominalAccounts/Identification/RefundUnidentifiedTransactionRequest.php
+++ b/src/Requests/NominalAccounts/Identification/RefundUnidentifiedTransactionRequest.php
@@ -1,7 +1,14 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to refund an unidentified transaction.
+// RESPONSIBILITY: To define the POST request for initiating a refund for an unidentified transaction.
+// INPUTS: Unidentified transaction ID, and RefundUnidentifiedTransactionRequestData DTO.
+// OUTPUTS: RefundUnidentifiedTransactionResponseData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Identification;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Identification\RefundUnidentifiedTransactionRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Identification\RefundUnidentifiedTransactionResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,30 +16,48 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to refund an unidentified transaction.">
+// <BELIEF_STATE "This class encapsulates the action of refunding a transaction, which is a state-changing operation.">
 class RefundUnidentifiedTransactionRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Initiating a refund is a new action that changes the system state, so POST is the correct verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the transaction ID and the refund data.">
+    // <BELIEF_STATE "The constructor takes the unique `id` of the unidentified transaction and the `RefundUnidentifiedTransactionRequestData` DTO, ensuring all necessary information for the refund is provided.">
     public function __construct(
         protected string $id,
         protected RefundUnidentifiedTransactionRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for refunding a transaction.">
+    // <BELIEF_STATE "The endpoint is specific to performing a `refunds` action on a given `unidentified-transactions` resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/unidentified-transactions/{$this->id}/refunds";
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the payload is correctly formatted for the API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a RefundUnidentifiedTransactionResponseData DTO.">
+    // <BELIEF_STATE "The API returns a `RefundUnidentifiedTransactionResponseData` DTO, providing a type-safe object representing the outcome of the refund process.">
     public function createDtoFromResponse(Response $response): RefundUnidentifiedTransactionResponseData
     {
         return RefundUnidentifiedTransactionResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Payouts/CreatePayoffRequest.php b/src/Requests/NominalAccounts/Payouts/CreatePayoffRequest.php
index f593a19..081b52c 100644
--- a/src/Requests/NominalAccounts/Payouts/CreatePayoffRequest.php
+++ b/src/Requests/NominalAccounts/Payouts/CreatePayoffRequest.php
@@ -1,7 +1,14 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to create a new payoff for a nominal account.
+// RESPONSIBILITY: To define the POST request for initiating a payment (payoff) from a nominal account.
+// INPUTS: PayoffRequestData DTO.
+// OUTPUTS: PayoffResponseData DTO.
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request needs specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\PayoffRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\PayoffResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,29 +16,47 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to create a payoff.">
+// <BELIEF_STATE "This class encapsulates the critical action of initiating a payment, ensuring type safety and clear definition of the request.">
 class CreatePayoffRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Creating a new payment resource or initiating a payment action is correctly represented by the POST verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the payoff details.">
+    // <BELIEF_STATE "Using a strongly-typed `PayoffRequestData` DTO ensures that all necessary payment information is provided and correctly structured before the request is sent.">
     public function __construct(
         protected PayoffRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the URI for creating payoffs.">
+    // <BELIEF_STATE "The endpoint is a static URI for initiating payoffs from nominal accounts.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/payoffs';
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the complex payment payload is correctly formatted for the API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a PayoffResponseData DTO.">
+    // <BELIEF_STATE "The API returns a `PayoffResponseData` DTO, providing a type-safe object representing the outcome of the payoff creation, typically including a request ID and status.">
     public function createDtoFromResponse(Response $response): PayoffResponseData
     {
         return PayoffResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Payouts/CreateTaxRefundRequest.php b/src/Requests/NominalAccounts/Payouts/CreateTaxRefundRequest.php
index 6b3cf2a..442ac07 100644
--- a/src/Requests/NominalAccounts/Payouts/CreateTaxRefundRequest.php
+++ b/src/Requests/NominalAccounts/Payouts/CreateTaxRefundRequest.php
@@ -1,7 +1,14 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to create a new tax refund request.
+// RESPONSIBILITY: To define the POST request for initiating a tax refund payment.
+// INPUTS: TaxRefundRequestData DTO.
+// OUTPUTS: TaxRefundResponseData DTO.
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request needs specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\TaxRefundRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\TaxRefundResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,29 +16,47 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to create a tax refund.">
+// <BELIEF_STATE "This class encapsulates the critical action of initiating a tax refund payment, ensuring type safety and clear definition of the request.">
 class CreateTaxRefundRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Creating a new refund resource or initiating a refund action is correctly represented by the POST verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the tax refund details.">
+    // <BELIEF_STATE "Using a strongly-typed `TaxRefundRequestData` DTO ensures that all necessary refund information is provided and correctly structured before the request is sent.">
     public function __construct(
         protected TaxRefundRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the URI for creating tax refunds.">
+    // <BELIEF_STATE "The endpoint is a static URI for initiating tax refunds.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/tax-refund';
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the complex refund payload is correctly formatted for the API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a TaxRefundResponseData DTO.">
+    // <BELIEF_STATE "The API returns a `TaxRefundResponseData` DTO, providing a type-safe object representing the outcome of the tax refund creation, typically including a request ID and status.">
     public function createDtoFromResponse(Response $response): TaxRefundResponseData
     {
         return TaxRefundResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Payouts/GetPayoffRequest.php b/src/Requests/NominalAccounts/Payouts/GetPayoffRequest.php
index bf1be39..aba485f 100644
--- a/src/Requests/NominalAccounts/Payouts/GetPayoffRequest.php
+++ b/src/Requests/NominalAccounts/Payouts/GetPayoffRequest.php
@@ -1,27 +1,49 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve details of a specific payoff.
+// RESPONSIBILITY: To define the GET request for fetching detailed information about a particular payment.
+// INPUTS: Payoff ID (string).
+// OUTPUTS: DetailedPayoffData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `DetailedPayoffData` DTO for its comprehensive response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DetailedPayoffData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get details of a payoff.">
+// <BELIEF_STATE "A dedicated class provides a clean and reusable way to fetch details of a specific payment.">
 class GetPayoffRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving a specific resource by its ID is a read-only operation, making GET the correct RESTful verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the payoff's unique identifier.">
+    // <BELIEF_STATE "The `payoffId` is a mandatory path parameter for this endpoint.">
     public function __construct(
         protected string $payoffId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI with the dynamic payoff ID.">
+    // <BELIEF_STATE "The endpoint is dynamically constructed with the `payoffId` to target the specific payment resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/payoffs/{$this->payoffId}";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DetailedPayoffData DTO.">
+    // <BELIEF_STATE "Automated casting to a `DetailedPayoffData` DTO ensures a type-safe and comprehensive object representation of the payoff, which is crucial for financial reconciliation.">
     public function createDtoFromResponse(Response $response): DetailedPayoffData
     {
         return DetailedPayoffData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Payouts/GetPayoffStatusRequest.php b/src/Requests/NominalAccounts/Payouts/GetPayoffStatusRequest.php
index 547d19f..55f387b 100644
--- a/src/Requests/NominalAccounts/Payouts/GetPayoffStatusRequest.php
+++ b/src/Requests/NominalAccounts/Payouts/GetPayoffStatusRequest.php
@@ -1,27 +1,49 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve the status of a specific payoff.
+// RESPONSIBILITY: To define the GET request for checking the current status of a payment.
+// INPUTS: Payoff ID (string).
+// OUTPUTS: PayoffResponseData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `PayoffResponseData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\PayoffResponseData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the status of a payoff.">
+// <BELIEF_STATE "This class allows polling for the status of an asynchronous payment process, which is critical for tracking financial transactions.">
 class GetPayoffStatusRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving the status of a resource is a read-only operation, making GET the correct verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the payoff's unique identifier.">
+    // <BELIEF_STATE "The `payoffId` is a mandatory path parameter to identify the specific payment whose status is being queried.">
     public function __construct(
         protected string $payoffId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for the payoff status.">
+    // <BELIEF_STATE "The endpoint is dynamically constructed with the `payoffId` to target the specific payment status resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/payoffs/{$this->payoffId}/status";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a PayoffResponseData DTO.">
+    // <BELIEF_STATE "Casting the response to a `PayoffResponseData` DTO provides a clear, type-safe object representing the current state of the payment.">
     public function createDtoFromResponse(Response $response): PayoffResponseData
     {
         return PayoffResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Payouts/GetTaxRefundStatusRequest.php b/src/Requests/NominalAccounts/Payouts/GetTaxRefundStatusRequest.php
index 00f4737..38f2a7e 100644
--- a/src/Requests/NominalAccounts/Payouts/GetTaxRefundStatusRequest.php
+++ b/src/Requests/NominalAccounts/Payouts/GetTaxRefundStatusRequest.php
@@ -1,27 +1,49 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve the status of a specific tax refund request.
+// RESPONSIBILITY: To define the GET request for checking the current status of a tax refund.
+// INPUTS: Tax refund ID (string).
+// OUTPUTS: TaxRefundResponseData (DTO).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request requires the `TaxRefundResponseData` DTO for its response.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\TaxRefundResponseData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the status of a tax refund.">
+// <BELIEF_STATE "This class allows polling for the status of an asynchronous tax refund process, which is critical for financial tracking.">
 class GetTaxRefundStatusRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Retrieving the status of a resource is a read-only operation, making GET the correct verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the tax refund's unique identifier.">
+    // <BELIEF_STATE "The `taxRefundId` is a mandatory path parameter to identify the specific refund whose status is being queried.">
     public function __construct(
         protected string $taxRefundId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for the tax refund status.">
+    // <BELIEF_STATE "The endpoint is dynamically constructed with the `taxRefundId` to target the specific refund status resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/tax-refund/{$this->taxRefundId}/status";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a TaxRefundResponseData DTO.">
+    // <BELIEF_STATE "Casting the response to a `TaxRefundResponseData` DTO provides a clear, type-safe object representing the current state of the tax refund.">
     public function createDtoFromResponse(Response $response): TaxRefundResponseData
     {
         return TaxRefundResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Payouts/PayoffAcceptRequest.php b/src/Requests/NominalAccounts/Payouts/PayoffAcceptRequest.php
index c6ecf1a..bb51254 100644
--- a/src/Requests/NominalAccounts/Payouts/PayoffAcceptRequest.php
+++ b/src/Requests/NominalAccounts/Payouts/PayoffAcceptRequest.php
@@ -1,38 +1,63 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to accept or reject a pending payoff.
+// RESPONSIBILITY: To define the PATCH request for changing the status of a payoff (approve/decline).
+// INPUTS: Payoff ID (string) and a boolean indicating acceptance.
+// OUTPUTS: Boolean (true if successful, false otherwise).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This PATCH request requires body-handling traits because it sends a JSON payload.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to accept a payoff.">
+// <BELIEF_STATE "This class encapsulates a critical state-changing operation on a payment.">
 class PayoffAcceptRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "PATCH is the appropriate verb for partially modifying an existing resource's state, such as accepting or rejecting a payoff.">
     protected Method $method = Method::PATCH;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the payoff ID and the acceptance flag.">
+    // <BELIEF_STATE "The constructor requires the `payoffId` to target the specific payment and an `accept` flag to indicate the desired action. The default `true` simplifies the most common use case (accept).">
     public function __construct(
         protected string $payoffId,
         protected bool $accept = true
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for accepting a payoff.">
+    // <BELIEF_STATE "The endpoint is specific to the `/accept` action on a given payoff resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/payoffs/{$this->payoffId}/accept";
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The request body is simple, containing only the `accept` boolean flag.">
     protected function defaultBody(): array
     {
         return [
             'accept' => $this->accept,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Extract the boolean result from the JSON response.">
+    // <BELIEF_STATE "The API returns a JSON object, but the relevant information is a boolean status. This method extracts that boolean, providing a direct, simple result to the user.">
     public function createDtoFromResponse(Response $response): bool
     {
         return (bool)($response->json('result') ?? false);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/Payouts/TaxRefundAcceptRequest.php b/src/Requests/NominalAccounts/Payouts/TaxRefundAcceptRequest.php
index cbd6ed9..ff437de 100644
--- a/src/Requests/NominalAccounts/Payouts/TaxRefundAcceptRequest.php
+++ b/src/Requests/NominalAccounts/Payouts/TaxRefundAcceptRequest.php
@@ -1,36 +1,61 @@
 <?php
-
+/*
+// MODULE_CONTRACT: Represents the API call to accept a pending tax refund request.
+// RESPONSIBILITY: To define the PATCH request for approving a tax refund payment.
+// INPUTS: Tax refund ID (string) and a boolean indicating acceptance.
+// OUTPUTS: Boolean (true if successful, false otherwise).
+*/
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\Payouts;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This PATCH request requires body-handling traits because it sends a JSON payload.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to accept a tax refund.">
+// <BELIEF_STATE "This class encapsulates a critical state-changing operation for tax refunds.">
 class TaxRefundAcceptRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "PATCH is the appropriate verb for partially modifying an existing resource's state, such as accepting a tax refund.">
     protected Method $method = Method::PATCH;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the tax refund ID and the acceptance flag.">
+    // <BELIEF_STATE "The constructor requires the `taxRefundId` to target the specific refund and an `accept` flag to indicate the desired action.">
     public function __construct(
         protected string $taxRefundId,
         protected bool $accept
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for accepting a tax refund.">
+    // <BELIEF_STATE "The endpoint is specific to the `/accept` action on a given tax refund resource.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/tax-refund/{$this->taxRefundId}/accept";
     }
+    // </SECTION>
 
+    // <SECTION name="query_builder" intent="Construct the query string for the acceptance status.">
+    // <BELIEF_STATE "The API expects the acceptance status as a query parameter, represented as 'true' or 'false' strings.">
     protected function defaultQuery(): array
     {
         return ['accept' => $this->accept ? 'true' : 'false'];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Extract the boolean result from the JSON response.">
+    // <BELIEF_STATE "The API returns a JSON object, but the relevant information for this operation is a boolean status. This method extracts that boolean, providing a direct, simple result to the user.">
     public function createDtoFromResponse(Response $response): bool
     {
         return (bool)($response->json('result') ?? false);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequest.php b/src/Requests/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequest.php
index e4b0311..35c564c 100644
--- a/src/Requests/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequest.php
+++ b/src/Requests/NominalAccounts/UniversalRecipients/CreateUniversalRecipientRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to create a new universal recipient.
+// RESPONSIBILITY: To define the POST request for registering a universal recipient.
+// INPUTS: CreateUniversalRecipientRequestData DTO.
+// OUTPUTS: UniversalRecipientResponseData DTO.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\UniversalRecipients;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Data\NominalAccounts\UniversalRecipients\CreateUniversalRecipientRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\UniversalRecipients\UniversalRecipientResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,29 +17,47 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to create a new universal recipient.">
+// <BELIEF_STATE "A dedicated class for universal recipient creation improves code organization and reusability.">
 class CreateUniversalRecipientRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Creating a new universal recipient resource is correctly represented by the POST verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the new universal recipient's data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO for the payload enforces data integrity and makes the request's dependencies clear.">
     public function __construct(
         protected CreateUniversalRecipientRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the URI for the universal recipients collection.">
+    // <BELIEF_STATE "The standard REST pattern is to POST to the collection endpoint to create a new item.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/universal-recipients';
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method decouples the request from the DTO's internal structure.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `UniversalRecipientResponseData` DTO provides a type-safe object representing the result of the creation.">
     public function createDtoFromResponse(Response $response): UniversalRecipientResponseData
     {
         return UniversalRecipientResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientRequest.php b/src/Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientRequest.php
index ed02a73..f7685be 100644
--- a/src/Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientRequest.php
+++ b/src/Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientRequest.php
@@ -1,27 +1,50 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a single universal recipient by its ID.
+// RESPONSIBILITY: To define the GET request structure for fetching a specific universal recipient's details.
+// INPUTS: Universal recipient ID (string).
+// OUTPUTS: UniversalRecipientData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\UniversalRecipients;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request needs the `UniversalRecipientData` DTO for its response and Saloon's base Request class.">
 use Apoloz\AlfaBank\Data\NominalAccounts\UniversalRecipients\UniversalRecipientData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get a single universal recipient.">
+// <BELIEF_STATE "A dedicated class encapsulates the logic for this specific API endpoint, promoting reusability and separation of concerns.">
 class GetUniversalRecipientRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Fetching a resource by its identifier is a read-only operation, making GET the correct RESTful verb.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the universal recipient's unique identifier.">
+    // <BELIEF_STATE "The `universalRecipientId` is a mandatory path parameter for this endpoint, so it must be required in the constructor.">
     public function __construct(
         protected string $universalRecipientId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI with the dynamic universal recipient ID.">
+    // <BELIEF_STATE "The endpoint is dynamic. Injecting the `universalRecipientId` into the URI is handled here to keep the endpoint definition clean and centralized within the request class.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/universal-recipients/{$this->universalRecipientId}";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a UniversalRecipientData DTO.">
+    // <BELIEF_STATE "Automated casting to a DTO provides type safety and a clean object-oriented interface for the API response.">
     public function createDtoFromResponse(Response $response): UniversalRecipientData
     {
         return UniversalRecipientData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientsRequest.php b/src/Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientsRequest.php
index edcb902..7d6e733 100644
--- a/src/Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientsRequest.php
+++ b/src/Requests/NominalAccounts/UniversalRecipients/GetUniversalRecipientsRequest.php
@@ -1,17 +1,33 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a list of universal recipients.
+// RESPONSIBILITY: To define the GET request for fetching a filtered, paginated list of universal recipients.
+// INPUTS: Account number, type, and various optional filters.
+// OUTPUTS: A collection of UniversalRecipientData DTOs.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\UniversalRecipients;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components.">
+// <BELIEF_STATE "This request returns a collection of `UniversalRecipientData` DTOs.">
 use Apoloz\AlfaBank\Data\NominalAccounts\UniversalRecipients\UniversalRecipientData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get a list of universal recipients.">
+// <BELIEF_STATE "This class encapsulates a complex query with multiple optional filters, simplifying its use.">
 class GetUniversalRecipientsRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "GET is the correct verb for retrieving a collection of resources.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject required filters and optional pagination parameters.">
+    // <BELIEF_STATE "The `accountNumber` and `type` are mandatory filters. Other fields are optional filters or pagination parameters, allowing for flexible querying.">
     public function __construct(
         protected string $accountNumber,
         protected string $type,
@@ -20,12 +36,18 @@ class GetUniversalRecipientsRequest extends Request
         protected ?bool $isActive = null,
         protected ?string $date = null,
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the URI for the universal recipients collection.">
+    // <BELIEF_STATE "The endpoint is the static collection URI; all filters are applied via query parameters.">
     public function resolveEndpoint(): string
     {
         return '/api/na/jp/v1/universal-recipients';
     }
+    // </SECTION>
 
+    // <SECTION name="query_builder" intent="Construct the query string from the provided filters.">
+    // <BELIEF_STATE "Using `array_filter` is a robust way to build the query array, as it automatically omits any optional parameters that were not provided (i.e., are `null`), resulting in a clean URL.">
     protected function defaultQuery(): array
     {
         return array_filter([
@@ -37,9 +59,13 @@ class GetUniversalRecipientsRequest extends Request
             'date' => $this->date,
         ], fn($val) => $val !== null);
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a collection DTO.">
+    // <BELIEF_STATE "Casting the response to a `DataCollection` of `UniversalRecipientData` provides a type-safe, iterable object. The specific API response structure requires extracting from the `universalRecipients` key.">
     public function createDtoFromResponse(Response $response): DataCollection
     {
         return UniversalRecipientData::collect($response->json('universalRecipients'), DataCollection::class);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/UniversalRecipients/Requisites/AddUniversalRecipientRequisiteRequest.php b/src/Requests/NominalAccounts/UniversalRecipients/Requisites/AddUniversalRecipientRequisiteRequest.php
index 180b8dd..48b7ac2 100644
--- a/src/Requests/NominalAccounts/UniversalRecipients/Requisites/AddUniversalRecipientRequisiteRequest.php
+++ b/src/Requests/NominalAccounts/UniversalRecipients/Requisites/AddUniversalRecipientRequisiteRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to add a new requisite to a universal recipient.
+// RESPONSIBILITY: To define the POST request for registering a new payment requisite for a universal recipient.
+// INPUTS: Universal recipient ID, and a CreateRequisiteRequestData DTO.
+// OUTPUTS: RequisiteData (DTO) of the newly added requisite.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\UniversalRecipients\Requisites;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits. It reuses `CreateRequisiteRequestData` from the Beneficiaries module.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites\CreateRequisiteRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites\RequisiteData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,30 +17,48 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to add a requisite to a universal recipient.">
+// <BELIEF_STATE "A dedicated class cleanly encapsulates the logic for this state-changing API call.">
 class AddUniversalRecipientRequisiteRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Adding a new sub-resource (requisite) to an existing resource (universal recipient) is typically a POST operation to the sub-resource collection.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the universal recipient ID and the requisite data.">
+    // <BELIEF_STATE "The `universalRecipientId` is a mandatory path parameter, and `CreateRequisiteRequestData` ensures the payload is type-safe and valid.">
     public function __construct(
         protected string $universalRecipientId,
         protected CreateRequisiteRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for adding a requisite.">
+    // <BELIEF_STATE "The endpoint targets the `requisites` sub-resource of a specific universal recipient.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/universal-recipients/{$this->universalRecipientId}/requisites";
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Serialize the DTO for the request body.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the payload is correctly formatted for the API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a RequisiteData DTO.">
+    // <BELIEF_STATE "The API returns the newly created requisite object. Casting it to a DTO provides a clean, type-safe object for the user.">
     public function createDtoFromResponse(Response $response): RequisiteData
     {
         return RequisiteData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/UniversalRecipients/Requisites/GetUniversalRecipientRequisitesRequest.php b/src/Requests/NominalAccounts/UniversalRecipients/Requisites/GetUniversalRecipientRequisitesRequest.php
index 5f72338..e12c1ea 100644
--- a/src/Requests/NominalAccounts/UniversalRecipients/Requisites/GetUniversalRecipientRequisitesRequest.php
+++ b/src/Requests/NominalAccounts/UniversalRecipients/Requisites/GetUniversalRecipientRequisitesRequest.php
@@ -1,28 +1,51 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve all requisites for a specific universal recipient.
+// RESPONSIBILITY: To define the GET request for fetching payment requisites associated with a universal recipient.
+// INPUTS: Universal recipient ID (string).
+// OUTPUTS: A collection of RequisiteData DTOs.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\UniversalRecipients\Requisites;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components.">
+// <BELIEF_STATE "This request returns a collection of `RequisiteData` DTOs.">
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites\RequisiteData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Spatie\LaravelData\DataCollection;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get requisites for a universal recipient.">
+// <BELIEF_STATE "This class encapsulates the logic for fetching all requisites related to a specific universal recipient.">
 class GetUniversalRecipientRequisitesRequest extends Request
 {
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "GET is the correct verb for retrieving a collection of resources.">
     protected Method $method = Method::GET;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the universal recipient's unique identifier.">
+    // <BELIEF_STATE "The `universalRecipientId` is mandatory to specify which universal recipient's requisites are being queried.">
     public function __construct(
         protected string $universalRecipientId
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Construct the request URI for universal recipient requisites.">
+    // <BELIEF_STATE "The endpoint targets the `requisites` sub-resource of a specific universal recipient.">
     public function resolveEndpoint(): string
     {
         return "/api/na/jp/v1/universal-recipients/{$this->universalRecipientId}/requisites";
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON array response to a collection of DTOs.">
+    // <BELIEF_STATE "The API returns a JSON array. Using `RequisiteData::collect` automatically converts this array into a type-safe, iterable `DataCollection` of `RequisiteData` objects.">
     public function createDtoFromResponse(Response $response): DataCollection
     {
         return RequisiteData::collect($response->json(), DataCollection::class);
     }
+    // </SECTION>
 }
diff --git a/src/Requests/NominalAccounts/UniversalRecipients/Requisites/UpdateUniversalRecipientRequisiteRequest.php b/src/Requests/NominalAccounts/UniversalRecipients/Requisites/UpdateUniversalRecipientRequisiteRequest.php
index 2995c93..21bde8e 100644
--- a/src/Requests/NominalAccounts/UniversalRecipients/Requisites/UpdateUniversalRecipientRequisiteRequest.php
+++ b/src/Requests/NominalAccounts/UniversalRecipients/Requisites/UpdateUniversalRecipientRequisiteRequest.php
@@ -1,32 +1,46 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the API call to update a specific requisite for a universal recipient.
+// RESPONSIBILITY: To define the PATCH request for modifying an existing payment requisite.
+// INPUTS: Universal recipient ID, requisite ID, and an UpdateRequisiteRequestData DTO.
+// OUTPUTS: No specific DTO, typically a 200 OK or 202 Accepted status.
+*/
 
 namespace Apoloz\AlfaBank\Requests\NominalAccounts\UniversalRecipients\Requisites;
 
-use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\Requisites\UpdateRequisiteRequestData;
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This PATCH request requires the `UpdateRequisiteRequestData` DTO for its JSON body and Saloon's body-handling traits.">
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
 
 class UpdateUniversalRecipientRequisiteRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
-    protected Method $method = Method::PATCH;
+    protected Method $method = Method::PUT;
 
     public function __construct(
         protected string $universalRecipientId,
         protected string $requisiteId,
-        protected UpdateRequisiteRequestData $data
+        protected array $data
     ) {}
 
     public function resolveEndpoint(): string
     {
-        return "/api/na/jp/v1/universal-recipients/{$this->universalRecipientId}/requisites/{$this->requisiteId}";
+        return "/api/na/jp/v1/universal-recipients/{$this->universalRecipientId}/requisites/{$this->universalRecipientId}";
     }
 
     protected function defaultBody(): array
     {
-        return $this->data->toArray();
+        return $this->data;
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
     }
 }
diff --git a/src/Requests/Orders/CreateAfishaOrderRequest.php b/src/Requests/Orders/CreateAfishaOrderRequest.php
new file mode 100644
index 0000000..7748955
--- /dev/null
+++ b/src/Requests/Orders/CreateAfishaOrderRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Orders;
+
+use Apoloz\AlfaBank\Data\Orders\OrderRequestData;
+use Apoloz\AlfaBank\Data\Orders\OrderResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateAfishaOrderRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected OrderRequestData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/order-core/pp/v1/afisha/orders';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): OrderResponseData
+    {
+        return OrderResponseData::from($response->json());
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Orders/CreateTravelOrderRequest.php b/src/Requests/Orders/CreateTravelOrderRequest.php
new file mode 100644
index 0000000..d4df89e
--- /dev/null
+++ b/src/Requests/Orders/CreateTravelOrderRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Orders;
+
+use Apoloz\AlfaBank\Data\Orders\OrderRequestData;
+use Apoloz\AlfaBank\Data\Orders\OrderResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateTravelOrderRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected OrderRequestData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/order-core/pp/v1/travel/orders';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): OrderResponseData
+    {
+        return OrderResponseData::from($response->json());
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Partner/GetPartnerApplicationsRequest.php b/src/Requests/Partner/GetPartnerApplicationsRequest.php
new file mode 100644
index 0000000..d7ea2bd
--- /dev/null
+++ b/src/Requests/Partner/GetPartnerApplicationsRequest.php
@@ -0,0 +1,41 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Partner;
+
+use Apoloz\AlfaBank\Data\Partner\PartnerApplicationData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetPartnerApplicationsRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected ?string $fromDate = null,
+        protected ?string $toDate = null,
+        protected int $limit = 10,
+        protected int $offset = 0
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/partner/jp/v1/individuals';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return array_filter([
+            'fromDate' => $this->fromDate,
+            'toDate' => $this->toDate,
+            'limit' => $this->limit,
+            'offset' => $this->offset,
+        ]);
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return PartnerApplicationData::collect($response->json('items') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/Payments/CreatePaymentRequest.php b/src/Requests/Payments/CreatePaymentRequest.php
new file mode 100644
index 0000000..4107476
--- /dev/null
+++ b/src/Requests/Payments/CreatePaymentRequest.php
@@ -0,0 +1,40 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Payments;
+
+use Apoloz\AlfaBank\Data\Payments\PaymentData;
+use Apoloz\AlfaBank\Data\Payments\PaymentResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreatePaymentRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected PaymentData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v2/payments';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): PaymentResponseData
+    {
+        return PaymentResponseData::from([
+            'id' => $this->data->externalId,
+            'status' => $response->status() === 201 ? 'CREATED' : 'ERROR',
+        ]);
+    }
+}
diff --git a/src/Requests/Payments/GetPaymentStateRequest.php b/src/Requests/Payments/GetPaymentStateRequest.php
new file mode 100644
index 0000000..dfdb1f4
--- /dev/null
+++ b/src/Requests/Payments/GetPaymentStateRequest.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Payments;
+
+use Apoloz\AlfaBank\Data\Payments\PaymentStateData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetPaymentStateRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $externalId
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v2/payments/{$this->externalId}/state";
+    }
+
+    public function createDtoFromResponse(Response $response): PaymentStateData
+    {
+        return PaymentStateData::from($response->json());
+    }
+}
diff --git a/src/Requests/Poa/CreatePoaRequest.php b/src/Requests/Poa/CreatePoaRequest.php
new file mode 100644
index 0000000..feeb0e4
--- /dev/null
+++ b/src/Requests/Poa/CreatePoaRequest.php
@@ -0,0 +1,28 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Poa;
+
+use Apoloz\AlfaBank\Data\Poa\PoaResponseData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class CreatePoaRequest extends Request
+{
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected string $poaNumber,
+        protected string $inn
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v1/poa/{$this->poaNumber}/inn/{$this->inn}/request";
+    }
+
+    public function createDtoFromResponse(Response $response): PoaResponseData
+    {
+        return PoaResponseData::from($response->json());
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Poa/GetPoaRequestStatusRequest.php b/src/Requests/Poa/GetPoaRequestStatusRequest.php
new file mode 100644
index 0000000..af3541c
--- /dev/null
+++ b/src/Requests/Poa/GetPoaRequestStatusRequest.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Poa;
+
+use Apoloz\AlfaBank\Data\Poa\PoaResponseData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetPoaRequestStatusRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $requestUuid
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v1/poa/requests/{$this->requestUuid}/status";
+    }
+
+    public function createDtoFromResponse(Response $response): PoaResponseData
+    {
+        return PoaResponseData::from($response->json());
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Rates/GetOfficeRatesRequest.php b/src/Requests/Rates/GetOfficeRatesRequest.php
new file mode 100644
index 0000000..2bd1ab2
--- /dev/null
+++ b/src/Requests/Rates/GetOfficeRatesRequest.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Rates;
+
+use Apoloz\AlfaBank\Data\Rates\OfficeRateData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetOfficeRatesRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/smart-loans/jp/v1/offices/rates';
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return OfficeRateData::collect($response->json('offices') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/Registries/CreateRegistryRequest.php b/src/Requests/Registries/CreateRegistryRequest.php
new file mode 100644
index 0000000..59b8894
--- /dev/null
+++ b/src/Requests/Registries/CreateRegistryRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Registries;
+
+use Apoloz\AlfaBank\Data\Registries\RegistryRequestData;
+use Apoloz\AlfaBank\Data\Registries\RegistryResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateRegistryRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected RegistryRequestData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v1/registries';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): RegistryResponseData
+    {
+        return RegistryResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Registries/CreateSelfEncashmentRegistryRequest.php b/src/Requests/Registries/CreateSelfEncashmentRegistryRequest.php
new file mode 100644
index 0000000..67e872d
--- /dev/null
+++ b/src/Requests/Registries/CreateSelfEncashmentRegistryRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Registries;
+
+use Apoloz\AlfaBank\Data\Registries\RegistryResponseData;
+use Apoloz\AlfaBank\Data\Registries\SelfEncashmentData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateSelfEncashmentRegistryRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected SelfEncashmentData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v1/self-encashment/registries';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): RegistryResponseData
+    {
+        return RegistryResponseData::from($response->json());
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Registries/SignRegistryRequest.php b/src/Requests/Registries/SignRegistryRequest.php
new file mode 100644
index 0000000..0625292
--- /dev/null
+++ b/src/Requests/Registries/SignRegistryRequest.php
@@ -0,0 +1,44 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Registries;
+
+use Apoloz\AlfaBank\Data\Registries\RegistrySignatureData;
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+use Spatie\LaravelData\DataCollection;
+
+class SignRegistryRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected string $registryId,
+        /** @var DataCollection<RegistrySignatureData> */
+        protected DataCollection $signatures,
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v1/registries/{$this->registryId}/signatures";
+    }
+
+    protected function defaultBody(): array
+    {
+        return [
+            'digestSignatures' => $this->signatures->toArray(),
+        ];
+    }
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from([
+            'success' => $response->successful(),
+        ]);
+    }
+}
diff --git a/src/Requests/Reports/CreateAccountBalanceReportRequest.php b/src/Requests/Reports/CreateAccountBalanceReportRequest.php
new file mode 100644
index 0000000..32a7502
--- /dev/null
+++ b/src/Requests/Reports/CreateAccountBalanceReportRequest.php
@@ -0,0 +1,39 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Reports;
+
+use Apoloz\AlfaBank\Data\Reports\AccountBalanceReportData;
+use Apoloz\AlfaBank\Data\Registries\RegistryResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateAccountBalanceReportRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected AccountBalanceReportData $data,
+        protected string $language = 'rus' // 'rus' or 'eng'
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        $path = $this->language === 'eng' ? 'eng' : 'rus';
+        return "/api/pp/v1/reports/type/account/balance/{$path}";
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): RegistryResponseData
+    {
+        return RegistryResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Salary/CreateAccountApplicationRequest.php b/src/Requests/Salary/CreateAccountApplicationRequest.php
new file mode 100644
index 0000000..decc1f3
--- /dev/null
+++ b/src/Requests/Salary/CreateAccountApplicationRequest.php
@@ -0,0 +1,45 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Salary;
+
+use Apoloz\AlfaBank\Data\Salary\SalaryAccountApplicationData;
+use Apoloz\AlfaBank\Data\Salary\SalaryApplicationResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateAccountApplicationRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected SalaryAccountApplicationData $data,
+        protected ?string $signatures = null
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v1/salary-project/accounts/applications';
+    }
+
+    protected function defaultHeaders(): array
+    {
+        return array_filter([
+            'X-Salary-Signatures' => $this->signatures,
+        ]);
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): SalaryApplicationResponseData
+    {
+        return SalaryApplicationResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Salary/CreatePayrollApplicationRequest.php b/src/Requests/Salary/CreatePayrollApplicationRequest.php
new file mode 100644
index 0000000..11db78d
--- /dev/null
+++ b/src/Requests/Salary/CreatePayrollApplicationRequest.php
@@ -0,0 +1,45 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Salary;
+
+use Apoloz\AlfaBank\Data\Salary\SalaryApplicationResponseData;
+use Apoloz\AlfaBank\Data\Salary\SalaryPayrollApplicationData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreatePayrollApplicationRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected SalaryPayrollApplicationData $data,
+        protected ?string $signatures = null
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v1/salary-project/payroll/applications';
+    }
+
+    protected function defaultHeaders(): array
+    {
+        return array_filter([
+            'X-Salary-Signatures' => $this->signatures,
+        ]);
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): SalaryApplicationResponseData
+    {
+        return SalaryApplicationResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Salary/GetAccountApplicationStatusRequest.php b/src/Requests/Salary/GetAccountApplicationStatusRequest.php
new file mode 100644
index 0000000..56d6697
--- /dev/null
+++ b/src/Requests/Salary/GetAccountApplicationStatusRequest.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Salary;
+
+use Apoloz\AlfaBank\Data\Salary\SalaryApplicationResponseData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetAccountApplicationStatusRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $applicationId
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v1/salary-project/accounts/applications/{$this->applicationId}";
+    }
+
+    public function createDtoFromResponse(Response $response): SalaryApplicationResponseData
+    {
+        return SalaryApplicationResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Salary/GetPayrollApplicationStatusRequest.php b/src/Requests/Salary/GetPayrollApplicationStatusRequest.php
new file mode 100644
index 0000000..4486d57
--- /dev/null
+++ b/src/Requests/Salary/GetPayrollApplicationStatusRequest.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Salary;
+
+use Apoloz\AlfaBank\Data\Salary\SalaryApplicationResponseData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetPayrollApplicationStatusRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $applicationId
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v1/salary-project/payroll/applications/{$this->applicationId}";
+    }
+
+    public function createDtoFromResponse(Response $response): SalaryApplicationResponseData
+    {
+        return SalaryApplicationResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Sandbox/Payments/CreateRubPaymentRequest.php b/src/Requests/Sandbox/Payments/CreateRubPaymentRequest.php
index bc1f8c4..1dc7678 100644
--- a/src/Requests/Sandbox/Payments/CreateRubPaymentRequest.php
+++ b/src/Requests/Sandbox/Payments/CreateRubPaymentRequest.php
@@ -1,30 +1,60 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the Sandbox API call to create a test RUB payment.
+// RESPONSIBILITY: To define the POST request for simulating a payment in the sandbox environment.
+// INPUTS: CreateRubPaymentRequestData DTO.
+// OUTPUTS: No specific DTO; typically a 200 OK or 202 Accepted status for sandbox operations.
+*/
 
 namespace Apoloz\AlfaBank\Requests\Sandbox\Payments;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon framework components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires the `CreateRubPaymentRequestData` DTO for its body and utilizes `HasBody` and `HasJsonBody` for proper payload serialization.">
 use Apoloz\AlfaBank\Data\Sandbox\Payments\CreateRubPaymentRequestData;
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for creating a test RUB payment in the Sandbox.">
+// <BELIEF_STATE "This class encapsulates the logic for simulating payments, which is crucial for testing integrations without affecting live financial systems.">
 class CreateRubPaymentRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for creating the test payment.">
+    // <BELIEF_STATE "Creating a new test payment resource or initiating a test payment action is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the test payment details.">
+    // <BELIEF_STATE "Using a strongly-typed `CreateRubPaymentRequestData` DTO ensures that all necessary test payment information is provided and correctly structured.">
     public function __construct(
         protected CreateRubPaymentRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the specific URI for creating test RUB payments.">
+    // <BELIEF_STATE "The endpoint is specific to the sandbox environment for creating test payments.">
     public function resolveEndpoint(): string
     {
         return '/api/jp/v2/payments';
     }
+    // </SECTION>
 
+    // <SECTION name="request_body_builder" intent="Construct the JSON body for the test payment request.">
+    // <BELIEF_STATE "Delegating serialization to the DTO's `toArray` method ensures the test payment payload is correctly formatted for the Sandbox API.">
     protected function defaultBody(): array
     {
         return $this->data->toArray();
     }
+    // </SECTION>
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
+    }
 }
diff --git a/src/Requests/Sandbox/SignatureEncryptionTestRequest.php b/src/Requests/Sandbox/SignatureEncryptionTestRequest.php
index 455a08b..af12702 100644
--- a/src/Requests/Sandbox/SignatureEncryptionTestRequest.php
+++ b/src/Requests/Sandbox/SignatureEncryptionTestRequest.php
@@ -1,41 +1,44 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents a Sandbox API call for testing signature and encryption mechanisms.
+// RESPONSIBILITY: To define a POST request for sending a JWS (JSON Web Signature) body to the sandbox to verify cryptographic operations.
+// INPUTS: JWS body string, and desired security types for request/response channels.
+// OUTPUTS: No specific DTO; the response content needs manual parsing for verification.
+*/
 
 namespace Apoloz\AlfaBank\Requests\Sandbox;
 
+// <SECTION name="module_imports" intent="Import Saloon framework components for handling string bodies.">
+// <BELIEF_STATE "This POST request sends a raw string (JWS) as its body, so `HasStringBody` is the appropriate trait.">
+use Apoloz\AlfaBank\Data\Sandbox\SandboxTestResponseData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
-use Saloon\Traits\Body\HasStringBody;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
 
 class SignatureEncryptionTestRequest extends Request implements HasBody
 {
-    use HasStringBody;
+    use HasJsonBody;
 
     protected Method $method = Method::POST;
 
     public function __construct(
-        protected string $jwsBody,
-        protected string $requestChannelSecurity = 'SIGNATURE',
-        protected string $responseChannelSecurity = 'SIGNATURE'
+        protected string $data
     ) {}
 
     public function resolveEndpoint(): string
     {
-        return '/api/signature-encryption-tests/json';
-    }
-
-    protected function defaultHeaders(): array
-    {
-        return [
-            'Accept' => 'application/jose',
-            'Content-Type' => 'application/jose',
-            'X-Request-ChannelSecurity' => $this->requestChannelSecurity,
-            'X-Response-ChannelSecurity' => $this->responseChannelSecurity,
-        ];
+        return '/api/sandbox/v1/test/signature-encryption';
     }
 
     protected function defaultBody(): ?string
     {
-        return $this->jwsBody;
+        return $this->data;
+    }
+
+    public function createDtoFromResponse(Response $response): SandboxTestResponseData
+    {
+        return SandboxTestResponseData::from(['result' => $response->body()]);
     }
 }
diff --git a/src/Requests/Sandbox/TriggerWebhookEventRequest.php b/src/Requests/Sandbox/TriggerWebhookEventRequest.php
index fc3b2ff..9ffbf7e 100644
--- a/src/Requests/Sandbox/TriggerWebhookEventRequest.php
+++ b/src/Requests/Sandbox/TriggerWebhookEventRequest.php
@@ -1,31 +1,61 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents a Sandbox API call to trigger a webhook event.
+// RESPONSIBILITY: To define the POST request for simulating a specific webhook event in the sandbox environment.
+// INPUTS: The webhook `object` type to simulate.
+// OUTPUTS: No specific DTO; typically a 2xx HTTP status on success.
+*/
 
 namespace Apoloz\AlfaBank\Requests\Sandbox;
 
+// <SECTION name="module_imports" intent="Import Saloon framework components for a JSON body request.">
+// <BELIEF_STATE "This POST request needs a JSON body for its payload and utilizes `HasBody` and `HasJsonBody` for proper serialization.">
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class for triggering a test webhook event in the Sandbox.">
+// <BELIEF_STATE "This class encapsulates the logic for simulating webhook events, which is crucial for testing webhook handlers during integration development. ">
 class TriggerWebhookEventRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for triggering the event.">
+    // <BELIEF_STATE "Initiating a new event or action is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the webhook `object` type to simulate.">
+    // <BELIEF_STATE "The constructor requires the `object` parameter (e.g., 'ul_transaction_default') to specify which type of webhook event should be simulated.">
     public function __construct(
         protected string $object // e.g. ul_transaction_default
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the specific URI for triggering webhook events.">
+    // <BELIEF_STATE "The `/api/v1/webhooks-events` endpoint is a dedicated sandbox path for webhook simulation.">
     public function resolveEndpoint(): string
     {
         return '/api/v1/webhooks-events';
     }
+    // </SECTION>
 
+    // <SECTION name="request_body_builder" intent="Construct the JSON body for the webhook event trigger request.">
+    // <BELIEF_STATE "This method builds the request body array, mapping the constructor property to the expected JSON payload for event simulation.">
     protected function defaultBody(): array
     {
         return [
             'object' => $this->object,
         ];
     }
+    // </SECTION>
+
+    public function createDtoFromResponse(Response $response): GeneralStatusData
+    {
+        return GeneralStatusData::from(['success' => $response->successful()]);
+    }
 }
diff --git a/src/Requests/Scoring/GetComplianceScoreRequest.php b/src/Requests/Scoring/GetComplianceScoreRequest.php
new file mode 100644
index 0000000..e4cc491
--- /dev/null
+++ b/src/Requests/Scoring/GetComplianceScoreRequest.php
@@ -0,0 +1,34 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Scoring;
+
+use Apoloz\AlfaBank\Data\Scoring\ComplianceScoreData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetComplianceScoreRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $inn
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/mathmod-scorings/jp/v1/compliance';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return [
+            'inn' => $this->inn,
+        ];
+    }
+
+    public function createDtoFromResponse(Response $response): ComplianceScoreData
+    {
+        return ComplianceScoreData::from($response->json());
+    }
+}
diff --git a/src/Requests/Security/GetSubscriptionsRequest.php b/src/Requests/Security/GetSubscriptionsRequest.php
new file mode 100644
index 0000000..34999b6
--- /dev/null
+++ b/src/Requests/Security/GetSubscriptionsRequest.php
@@ -0,0 +1,35 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Security;
+
+use Apoloz\AlfaBank\Data\Security\SecuritySubscriptionData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetSubscriptionsRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected bool $active = true
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/alfa-security/jp/v1/subscription-api/client/subscriptions';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return [
+            'active' => $this->active,
+        ];
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return SecuritySubscriptionData::collect($response->json('subscriptions') ?? [], DataCollection::class);
+    }
+}
diff --git a/src/Requests/SelfEmployed/CreateAgreementLinkRequest.php b/src/Requests/SelfEmployed/CreateAgreementLinkRequest.php
new file mode 100644
index 0000000..bb60207
--- /dev/null
+++ b/src/Requests/SelfEmployed/CreateAgreementLinkRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\SelfEmployed;
+
+use Apoloz\AlfaBank\Data\SelfEmployed\AgreementLinkData;
+use Apoloz\AlfaBank\Data\SelfEmployed\AgreementPageRequestData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreateAgreementLinkRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected AgreementPageRequestData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/semp/v1/agreement-pages';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): AgreementLinkData
+    {
+        return AgreementLinkData::from($response->json());
+    }
+}
diff --git a/src/Requests/SelfEmployed/CreatePayoutRequest.php b/src/Requests/SelfEmployed/CreatePayoutRequest.php
new file mode 100644
index 0000000..ad4bf5a
--- /dev/null
+++ b/src/Requests/SelfEmployed/CreatePayoutRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\SelfEmployed;
+
+use Apoloz\AlfaBank\Data\SelfEmployed\PayoutRequestData;
+use Apoloz\AlfaBank\Data\SelfEmployed\PayoutResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class CreatePayoutRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected PayoutRequestData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/semp/v1/payouts/registries/with-selfemployed-check-status';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): PayoutResponseData
+    {
+        return PayoutResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/SelfEmployed/GetActivitiesRequest.php b/src/Requests/SelfEmployed/GetActivitiesRequest.php
new file mode 100644
index 0000000..ac6b7b5
--- /dev/null
+++ b/src/Requests/SelfEmployed/GetActivitiesRequest.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\SelfEmployed;
+
+use Apoloz\AlfaBank\Data\SelfEmployed\ActivityData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
+
+class GetActivitiesRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/semp/v1/dictionary/activities';
+    }
+
+    public function createDtoFromResponse(Response $response): DataCollection
+    {
+        return ActivityData::collect($response->json(), DataCollection::class);
+    }
+}
diff --git a/src/Requests/SelfEmployed/GetTaxpayerStatusRequest.php b/src/Requests/SelfEmployed/GetTaxpayerStatusRequest.php
new file mode 100644
index 0000000..ed292e0
--- /dev/null
+++ b/src/Requests/SelfEmployed/GetTaxpayerStatusRequest.php
@@ -0,0 +1,37 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\SelfEmployed;
+
+use Apoloz\AlfaBank\Data\SelfEmployed\TaxpayerStatusRequestData;
+use Apoloz\AlfaBank\Data\SelfEmployed\TaxpayerStatusResponseData;
+use Saloon\Contracts\Body\HasBody;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+use Saloon\Traits\Body\HasJsonBody;
+
+class GetTaxpayerStatusRequest extends Request implements HasBody
+{
+    use HasJsonBody;
+
+    protected Method $method = Method::POST;
+
+    public function __construct(
+        protected TaxpayerStatusRequestData $data
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/semp/v1/selfemployed/taxpayer-statuses';
+    }
+
+    protected function defaultBody(): array
+    {
+        return $this->data->toArray();
+    }
+
+    public function createDtoFromResponse(Response $response): TaxpayerStatusResponseData
+    {
+        return TaxpayerStatusResponseData::from($response->json());
+    }
+}
diff --git a/src/Requests/Statement/Formats/GetTransactions1CRequest.php b/src/Requests/Statement/Formats/GetTransactions1CRequest.php
new file mode 100644
index 0000000..8658344
--- /dev/null
+++ b/src/Requests/Statement/Formats/GetTransactions1CRequest.php
@@ -0,0 +1,65 @@
+<?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve account transactions in 1C format.
+// RESPONSIBILITY: To encapsulate the HTTP GET request for fetching transactions for a given account and date range, specifically requesting the 1C format, and providing the necessary endpoint resolution and query parameters.
+// INPUTS: Account number, date range (from and to).
+// OUTPUTS: Raw transaction data in 1C format.
+// LINKS: README.md#statements
+*/
+
+namespace Apoloz\AlfaBank\Requests\Statement\Formats;
+
+// <SECTION name="module_imports" intent="Import necessary classes for HTTP method and Saloon Request.">
+// <BELIEF_STATE "These imports provide the foundational components for defining an API request: `Method` for specifying the HTTP verb, and `Request` from Saloon for building the API interaction. No specific DTO is imported as the response is expected in a raw format (1C).">
+use Apoloz\AlfaBank\Data\Shared\DownloadedFileData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request for fetching 1C formatted transactions.">
+// <BELIEF_STATE "The `GetTransactions1CRequest` class extends Saloon's `Request` to handle the specific API interaction for retrieving financial statements in the 1C format. It sets the HTTP method to GET and defines the structure for constructing the request, including its endpoint and query parameters.">
+class GetTransactions1CRequest extends Request
+{
+    // <SECTION name="http_method_definition" intent="Define the HTTP method for this request.">
+    // <BELIEF_STATE "The request performs a read operation to fetch data, hence the `GET` HTTP method is appropriate and explicitly defined.">
+    protected Method $method = Method::GET;
+    // </SECTION>
+
+    // <SECTION name="constructor_definition" intent="Initialize the request with account and date range parameters.">
+    // <BELIEF_STATE "The constructor enforces the provision of the `accountNumber`, `dateFrom`, and `dateTo` to ensure that every request for a 1C statement is properly scoped to a specific account and period.">
+    public function __construct(
+        protected string $accountNumber,
+        protected string $dateFrom,
+        protected string $dateTo
+    ) {}
+    // </SECTION>
+
+    // <SECTION name="resolve_endpoint" intent="Define the API endpoint for this request.">
+    // <BELIEF_STATE "The `resolveEndpoint` method dynamically constructs the API URL using the `accountNumber` provided in the constructor and appends the specific 1C format identifier. This ensures that the request targets the correct resource for fetching 1C statements.">
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v2/accounts/{$this->accountNumber}/transactions/1C";
+    }
+    // </SECTION>
+
+    // <SECTION name="default_query_parameters" intent="Define the default query parameters for the request.">
+    // <BELIEF_STATE "This method specifies the query parameters (`dateFrom`, `dateTo`) that will be appended to the request URL. These parameters are crucial for filtering the transaction data by date range, directly influencing the scope of the API response.">
+    protected function defaultQuery(): array
+    {
+        return [
+            'dateFrom' => $this->dateFrom,
+            'dateTo' => $this->dateTo,
+        ];
+    }
+    // </SECTION>
+
+    public function createDtoFromResponse(Response $response): DownloadedFileData
+    {
+        return DownloadedFileData::from([
+            'content' => $response->body(),
+            'size' => strlen($response->body()),
+        ]);
+    }
+}
+// </SECTION>
diff --git a/src/Requests/Statement/Formats/GetTransactionsMT940Request.php b/src/Requests/Statement/Formats/GetTransactionsMT940Request.php
new file mode 100644
index 0000000..7666c98
--- /dev/null
+++ b/src/Requests/Statement/Formats/GetTransactionsMT940Request.php
@@ -0,0 +1,65 @@
+<?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve account transactions in MT940 format.
+// RESPONSIBILITY: To encapsulate the HTTP GET request for fetching transactions for a given account and date range, specifically requesting the MT940 format, and providing the necessary endpoint resolution and query parameters.
+// INPUTS: Account number, date range (from and to).
+// OUTPUTS: Raw transaction data in MT940 format.
+// LINKS: README.md#statements
+*/
+
+namespace Apoloz\AlfaBank\Requests\Statement\Formats;
+
+// <SECTION name="module_imports" intent="Import necessary classes for HTTP method and Saloon Request.">
+// <BELIEF_STATE "These imports provide the foundational components for defining an API request: `Method` for specifying the HTTP verb, and `Request` from Saloon for building the API interaction. No specific DTO is imported as the response is expected in a raw format (MT940).">
+use Apoloz\AlfaBank\Data\Shared\DownloadedFileData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request for fetching MT940 formatted transactions.">
+// <BELIEF_STATE "The `GetTransactionsMT940Request` class extends Saloon's `Request` to handle the specific API interaction for retrieving financial statements in the MT940 format. It sets the HTTP method to GET and defines the structure for constructing the request, including its endpoint and query parameters.">
+class GetTransactionsMT940Request extends Request
+{
+    // <SECTION name="http_method_definition" intent="Define the HTTP method for this request.">
+    // <BELIEF_STATE "The request performs a read operation to fetch data, hence the `GET` HTTP method is appropriate and explicitly defined.">
+    protected Method $method = Method::GET;
+    // </SECTION>
+
+    // <SECTION name="constructor_definition" intent="Initialize the request with account and date range parameters.">
+    // <BELIEF_STATE "The constructor enforces the provision of the `accountNumber`, `dateFrom`, and `dateTo` to ensure that every request for an MT940 statement is properly scoped to a specific account and period.">
+    public function __construct(
+        protected string $accountNumber,
+        protected string $dateFrom,
+        protected string $dateTo
+    ) {}
+    // </SECTION>
+
+    // <SECTION name="resolve_endpoint" intent="Define the API endpoint for this request.">
+    // <BELIEF_STATE "The `resolveEndpoint` method dynamically constructs the API URL using the `accountNumber` provided in the constructor and appends the specific MT940 format identifier. This ensures that the request targets the correct resource for fetching MT940 statements.">
+    public function resolveEndpoint(): string
+    {
+        return "/api/jp/v1/accounts/{$this->accountNumber}/transactions/MT940";
+    }
+    // </SECTION>
+
+    // <SECTION name="default_query_parameters" intent="Define the default query parameters for the request.">
+    // <BELIEF_STATE "This method specifies the query parameters (`dateFrom`, `dateTo`) that will be appended to the request URL. These parameters are crucial for filtering the transaction data by date range, directly influencing the scope of the API response.">
+    protected function defaultQuery(): array
+    {
+        return [
+            'dateFrom' => $this->dateFrom,
+            'dateTo' => $this->dateTo,
+        ];
+    }
+    // </SECTION>
+
+    public function createDtoFromResponse(Response $response): DownloadedFileData
+    {
+        return DownloadedFileData::from([
+            'content' => $response->body(),
+            'size' => strlen($response->body()),
+        ]);
+    }
+}
+// </SECTION>
diff --git a/src/Requests/Statement/GetTransactionsRequest.php b/src/Requests/Statement/GetTransactionsRequest.php
new file mode 100644
index 0000000..1b9a2a2
--- /dev/null
+++ b/src/Requests/Statement/GetTransactionsRequest.php
@@ -0,0 +1,59 @@
+<?php
+/*
+// MODULE_CONTRACT: Represents the API call to retrieve a list of account transactions.
+// RESPONSIBILITY: To define the HTTP method, endpoint, and query parameters for fetching statement data, and to map the response to a structured collection DTO.
+// INPUTS: Account number, date range, and pagination parameters.
+// OUTPUTS: TransactionCollectionData (a DTO containing a list of transactions).
+// LINKS: AlfaBankConnector.php#paginate
+*/
+
+namespace Apoloz\AlfaBank\Requests\Statement;
+
+// <SECTION name="module_imports" intent="Import the response DTO and Saloon framework components.">
+// <BELIEF_STATE "This request requires the `TransactionCollectionData` DTO to structure its response. It's a GET request, so it doesn't need body-related traits.">
+use Apoloz\AlfaBank\Data\Statement\TransactionCollectionData;
+use Apoloz\AlfaBank\Traits\HasAlfaPagination;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetTransactionsRequest extends Request
+{
+    use HasAlfaPagination;
+
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $accountNumber,
+        protected string $executeDateFrom,
+        protected string $executeDateTo,
+        ?int $limit = 1000,
+        ?int $offset = 0
+    ) {
+        $this->limit = $limit;
+        $this->offset = $offset;
+    }
+
+    public function resolveEndpoint(): string
+    {
+        return '/api/jp/v1/statement/transactions';
+    }
+
+    protected function defaultQuery(): array
+    {
+        return array_merge([
+            'accountNumber' => $this->accountNumber,
+            'executeDateFrom' => $this->executeDateFrom,
+            'executeDateTo' => $this->executeDateTo,
+        ], $this->getPaginationQuery());
+    }
+    // </SECTION>
+
+    // <SECTION name="response_dto_caster" intent="Transform the raw API JSON response into a structured collection DTO.">
+    // <BELIEF_STATE "The API returns a list of transactions. Casting this directly to a `TransactionCollectionData` DTO provides a type-safe, iterable object for the end-user, which is a significant improvement over dealing with raw arrays.">
+    public function createDtoFromResponse(Response $response): TransactionCollectionData
+    {
+        return TransactionCollectionData::from($response->json());
+    }
+    // </SECTION>
+}
diff --git a/src/Requests/Webhooks/CreateWebhookRequest.php b/src/Requests/Webhooks/CreateWebhookRequest.php
index b743f4c..9358107 100644
--- a/src/Requests/Webhooks/CreateWebhookRequest.php
+++ b/src/Requests/Webhooks/CreateWebhookRequest.php
@@ -2,12 +2,13 @@
 
 namespace Apoloz\AlfaBank\Requests\Webhooks;
 
-use Apoloz\AlfaBank\Data\WebhookData;
+use Apoloz\AlfaBank\Data\Webhooks\Subscriptions\WebhookSubscriptionData;
+use Apoloz\AlfaBank\Data\Webhooks\Subscriptions\WebhookSubscriptionRequestData;
+use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
-use Saloon\Contracts\Body\HasBody;
 
 class CreateWebhookRequest extends Request implements HasBody
 {
@@ -16,34 +17,21 @@ class CreateWebhookRequest extends Request implements HasBody
     protected Method $method = Method::POST;
 
     public function __construct(
-        protected string $object,
-        protected string $callbackUri,
-        protected ?array $accounts = null,
-        protected int $version = 1
+        protected WebhookSubscriptionRequestData $data
     ) {}
 
     public function resolveEndpoint(): string
     {
-        return '/api/v1/webhooks';
+        return '/api/v2/webhooks';
     }
 
     protected function defaultBody(): array
     {
-        $body = [
-            'object' => $this->object,
-            'callbackUri' => $this->callbackUri,
-            'version' => $this->version,
-        ];
-
-        if ($this->accounts !== null) {
-            $body['data'] = ['accounts' => $this->accounts];
-        }
-
-        return $body;
+        return $this->data->toArray();
     }
 
-    public function createDtoFromResponse(Response $response): WebhookData
+    public function createDtoFromResponse(Response $response): WebhookSubscriptionData
     {
-        return WebhookData::from($response->json());
+        return WebhookSubscriptionData::from($response->json());
     }
-}
+}
\ No newline at end of file
diff --git a/src/Requests/Webhooks/DeleteWebhookRequest.php b/src/Requests/Webhooks/DeleteWebhookRequest.php
index 68e06e1..0bc764c 100644
--- a/src/Requests/Webhooks/DeleteWebhookRequest.php
+++ b/src/Requests/Webhooks/DeleteWebhookRequest.php
@@ -2,27 +2,28 @@
 
 namespace Apoloz\AlfaBank\Requests\Webhooks;
 
+use Apoloz\AlfaBank\Data\Shared\GeneralStatusData;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
+use Saloon\Http\Response;
 
 class DeleteWebhookRequest extends Request
 {
     protected Method $method = Method::DELETE;
 
     public function __construct(
-        protected string $id,
-        protected string $object
+        protected string $id
     ) {}
 
     public function resolveEndpoint(): string
     {
-        return "/api/v1/webhooks/{$this->id}";
+        return "/api/v2/webhooks/{$this->id}";
     }
 
-    protected function defaultQuery(): array
+    public function createDtoFromResponse(Response $response): GeneralStatusData
     {
-        return [
-            'object' => $this->object,
-        ];
+        return GeneralStatusData::from([
+            'success' => $response->status() === 204 || $response->successful(),
+        ]);
     }
-}
+}
\ No newline at end of file
diff --git a/src/Requests/Webhooks/GetWebhookRequest.php b/src/Requests/Webhooks/GetWebhookRequest.php
new file mode 100644
index 0000000..29c90ec
--- /dev/null
+++ b/src/Requests/Webhooks/GetWebhookRequest.php
@@ -0,0 +1,27 @@
+<?php
+
+namespace Apoloz\AlfaBank\Requests\Webhooks;
+
+use Apoloz\AlfaBank\Data\Webhooks\Subscriptions\WebhookSubscriptionData;
+use Saloon\Enums\Method;
+use Saloon\Http\Request;
+use Saloon\Http\Response;
+
+class GetWebhookRequest extends Request
+{
+    protected Method $method = Method::GET;
+
+    public function __construct(
+        protected string $id
+    ) {}
+
+    public function resolveEndpoint(): string
+    {
+        return "/api/v2/webhooks/{$this->id}";
+    }
+
+    public function createDtoFromResponse(Response $response): WebhookSubscriptionData
+    {
+        return WebhookSubscriptionData::from($response->json());
+    }
+}
\ No newline at end of file
diff --git a/src/Requests/Webhooks/GetWebhooksRequest.php b/src/Requests/Webhooks/GetWebhooksRequest.php
index 6f18c7f..c38d00b 100644
--- a/src/Requests/Webhooks/GetWebhooksRequest.php
+++ b/src/Requests/Webhooks/GetWebhooksRequest.php
@@ -2,20 +2,27 @@
 
 namespace Apoloz\AlfaBank\Requests\Webhooks;
 
-use Apoloz\AlfaBank\Data\WebhookCollectionData;
+use Apoloz\AlfaBank\Data\Webhooks\Subscriptions\WebhookSubscriptionData;
+use Apoloz\AlfaBank\Traits\HasAlfaPagination;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
+use Spatie\LaravelData\DataCollection;
 
 class GetWebhooksRequest extends Request
 {
+    use HasAlfaPagination;
+
     protected Method $method = Method::GET;
 
     public function __construct(
-        protected ?int $offset = 0,
-        protected ?int $limit = 20,
-        protected ?string $object = null
-    ) {}
+        protected ?string $object = null,
+        ?int $limit = 20,
+        ?int $offset = 0
+    ) {
+        $this->limit = $limit;
+        $this->offset = $offset;
+    }
 
     public function resolveEndpoint(): string
     {
@@ -24,15 +31,13 @@ class GetWebhooksRequest extends Request
 
     protected function defaultQuery(): array
     {
-        return array_filter([
-            'offset' => $this->offset,
-            'limit' => $this->limit,
+        return array_filter(array_merge([
             'object' => $this->object,
-        ]);
+        ], $this->getPaginationQuery()));
     }
 
-    public function createDtoFromResponse(Response $response): WebhookCollectionData
+    public function createDtoFromResponse(Response $response): DataCollection
     {
-        return WebhookCollectionData::from($response->json());
+        return WebhookSubscriptionData::collect($response->json(), DataCollection::class);
     }
 }
diff --git a/src/Requests/Webhooks/UpdateWebhookRequest.php b/src/Requests/Webhooks/UpdateWebhookRequest.php
index 4d6aee5..743c977 100644
--- a/src/Requests/Webhooks/UpdateWebhookRequest.php
+++ b/src/Requests/Webhooks/UpdateWebhookRequest.php
@@ -2,12 +2,13 @@
 
 namespace Apoloz\AlfaBank\Requests\Webhooks;
 
-use Apoloz\AlfaBank\Data\WebhookData;
+use Apoloz\AlfaBank\Data\Webhooks\Subscriptions\WebhookSubscriptionData;
+use Apoloz\AlfaBank\Data\Webhooks\Subscriptions\WebhookSubscriptionRequestData;
+use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
-use Saloon\Contracts\Body\HasBody;
 
 class UpdateWebhookRequest extends Request implements HasBody
 {
@@ -17,11 +18,7 @@ class UpdateWebhookRequest extends Request implements HasBody
 
     public function __construct(
         protected string $id,
-        protected string $object,
-        protected bool $enabled = true,
-        protected ?string $callbackUri = null,
-        protected ?array $accounts = null,
-        protected int $version = 1
+        protected WebhookSubscriptionRequestData $data
     ) {}
 
     public function resolveEndpoint(): string
@@ -31,25 +28,11 @@ class UpdateWebhookRequest extends Request implements HasBody
 
     protected function defaultBody(): array
     {
-        $body = [
-            'object' => $this->object,
-            'enabled' => $this->enabled,
-            'version' => $this->version,
-        ];
-
-        if ($this->callbackUri !== null) {
-            $body['callbackUri'] = $this->callbackUri;
-        }
-
-        if ($this->accounts !== null) {
-            $body['data'] = ['accounts' => $this->accounts];
-        }
-
-        return $body;
+        return $this->data->toArray();
     }
 
-    public function createDtoFromResponse(Response $response): WebhookData
+    public function createDtoFromResponse(Response $response): WebhookSubscriptionData
     {
-        return WebhookData::from($response->json());
+        return WebhookSubscriptionData::from($response->json());
     }
-}
+}
\ No newline at end of file
diff --git a/src/Sbp/Data/CashLink/ActivateCashQrRequestData.php b/src/Sbp/Data/CashLink/ActivateCashQrRequestData.php
index 3273ae9..4076f31 100644
--- a/src/Sbp/Data/CashLink/ActivateCashQrRequestData.php
+++ b/src/Sbp/Data/CashLink/ActivateCashQrRequestData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a CashLink QR Code activation request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to activate a CashLink QR Code.
+// INPUTS: Terminal number (TermNo), QR Code ID, amount, and various optional payment/notification parameters.
+// OUTPUTS: A structured, type-safe object for the `ActivateCashQrRequest` payload.
+// LINKS: Sbp/Requests/CashLink/ActivateCashQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for CashLink QR Code activation request.">
+// <BELIEF_STATE "This DTO ensures the activation payload is strictly typed and complete, supporting clear communication for managing CashLink QR Codes.">
 class ActivateCashQrRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the CashLink QR Code activation request.">
+    // <BELIEF_STATE "The constructor includes mandatory `TermNo`, `qrcId`, and `amount`. The `currency` defaults to 'RUB'. Optional fields cover `OrderNumber`, `paymentPurpose`, `notificationUrl`, `qrTtl`, and `redirectUrl`, allowing for flexible activation details.">
     public function __construct(
         public string $TermNo,
         public string $qrcId,
@@ -17,4 +31,5 @@ class ActivateCashQrRequestData extends Data
         public ?string $qrTtl = null,
         public ?string $redirectUrl = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/CashLink/RegCashQrRequestData.php b/src/Sbp/Data/CashLink/RegCashQrRequestData.php
index dda02af..14a8dae 100644
--- a/src/Sbp/Data/CashLink/RegCashQrRequestData.php
+++ b/src/Sbp/Data/CashLink/RegCashQrRequestData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a CashLink QR Code registration request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to register a CashLink QR Code.
+// INPUTS: Terminal number (TermNo) and various optional display parameters.
+// OUTPUTS: A structured, type-safe object for the `RegCashQrRequest` payload.
+// LINKS: Sbp/Requests/CashLink/RegCashQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for CashLink QR Code registration request.">
+// <BELIEF_STATE "This DTO ensures the registration payload is strictly typed and complete, supporting clear communication for generating CashLink QR Codes.">
 class RegCashQrRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the CashLink QR Code registration request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo`. Optional fields cover `mediaType`, `width`, `height` (for QR image customization), `redirectUrl`, and an explicit `qrcId` if pre-defined.">
     public function __construct(
         public string $TermNo,
         public ?string $mediaType = null,
@@ -14,4 +28,5 @@ class RegCashQrRequestData extends Data
         public ?string $redirectUrl = null,
         public ?string $qrcId = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/CashLink/RegCashQrResponseData.php b/src/Sbp/Data/CashLink/RegCashQrResponseData.php
index 737b022..ed07d40 100644
--- a/src/Sbp/Data/CashLink/RegCashQrResponseData.php
+++ b/src/Sbp/Data/CashLink/RegCashQrResponseData.php
@@ -1,19 +1,34 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a CashLink QR Code registration request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome of generating a CashLink QR Code.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing QR Code registration details.
+// LINKS: Sbp/Requests/CashLink/RegCashQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP CashLink QR Code registration response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for the confirmation details of a CashLink QR Code registration, crucial for displaying the QR Code to the user.">
 class RegCashQrResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the CashLink QR Code registration response.">
+    // <BELIEF_STATE "The constructor includes mandatory `ErrorCode` and `message` for overall status. Optional fields provide details about the created QR Code, such as `TermNo`, `content` (the QR data itself), `mediaType`, `payload`, `qrcId`, and `status`.">
     public function __construct(
         public int $ErrorCode,
         public string $message,
         public ?string $TermNo = null,
-        public ?string $content = null,
+        public ?string $content = null, // The raw QR string data (e.g., base64 encoded image or URL)
         public ?string $mediaType = null,
-        public ?string $payload = null,
+        public ?string $payload = null, // The QR payload URL
         public ?string $qrcId = null,
         public ?string $status = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/DigitalRuble/CashLink/ChangeAccForCashUniQrRequestData.php b/src/Sbp/Data/DigitalRuble/CashLink/ChangeAccForCashUniQrRequestData.php
index db179d7..bdc8744 100644
--- a/src/Sbp/Data/DigitalRuble/CashLink/ChangeAccForCashUniQrRequestData.php
+++ b/src/Sbp/Data/DigitalRuble/CashLink/ChangeAccForCashUniQrRequestData.php
@@ -1,21 +1,36 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a CashLink Universal QR Code account change request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to update the linked account for a Digital Ruble CashLink QR Code.
+// INPUTS: Terminal number (TermNo), and various optional account, merchant, and redirection parameters.
+// OUTPUTS: A structured, type-safe object for the `ChangeAccForCashUniQrRequest` payload.
+// LINKS: Sbp/Requests/DigitalRuble/CashLink/ChangeAccForCashUniQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for CashLink Universal QR Code account change request.">
+// <BELIEF_STATE "This DTO ensures the account change payload is strictly typed and complete, supporting clear communication for Digital Ruble CashLink QR Code modifications.">
 class ChangeAccForCashUniQrRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the CashLink Uni QR Code account change request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo`. Optional fields cover `messageID`, `qrcId`, account details (`account`, `accountDR`), new terminal/merchant IDs (`NewTermNo`, `NewMerchantId`), redirection (`redirectUrl`, `paymentPageUrl`), and `fraudScore` for risk assessment.">
     public function __construct(
         public string $TermNo,
         public ?string $messageID = null,
         public ?string $qrcId = null,
-        public ?string $account = null,
-        public ?string $accountDR = null,
+        public ?string $account = null, // Current or target conventional account
+        public ?string $accountDR = null, // Current or target Digital Ruble account
         public ?string $NewTermNo = null,
         public ?string $NewMerchantId = null,
         public ?string $redirectUrl = null,
         public ?string $paymentPageUrl = null,
         public ?string $fraudScore = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/DigitalRuble/CashLink/ChangeAccForCashUniQrResponseData.php b/src/Sbp/Data/DigitalRuble/CashLink/ChangeAccForCashUniQrResponseData.php
index dc72b2f..8f0b97a 100644
--- a/src/Sbp/Data/DigitalRuble/CashLink/ChangeAccForCashUniQrResponseData.php
+++ b/src/Sbp/Data/DigitalRuble/CashLink/ChangeAccForCashUniQrResponseData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a CashLink Universal QR Code account change request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome of updating the linked account for a Digital Ruble CashLink QR.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing account change confirmation details.
+// LINKS: Sbp/Requests/DigitalRuble/CashLink/ChangeAccForCashUniQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP CashLink Uni QR Code account change response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for the confirmation details of an account change operation, crucial for verifying the updated QR Code configuration.">
 class ChangeAccForCashUniQrResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the CashLink Uni QR Code account change response.">
+    // <BELIEF_STATE "The constructor includes mandatory `ErrorCode` and `message` for overall status. Optional fields provide details about the updated QR Code, such as `messageID`, `qrcId`, `TermNo`, account details (`account`, `accountDR`), redirection (`redirectUrl`, `paymentPageUrl`), `fraudScore`, and new terminal/merchant IDs (`NewTermNo`, `NewMerchantId`).">
     public function __construct(
         public int $ErrorCode,
         public string $message,
@@ -13,7 +27,7 @@ class ChangeAccForCashUniQrResponseData extends Data
         public ?string $qrcId = null,
         public ?string $TermNo = null,
         public ?string $account = null,
-        public ?string $accountDR = null,
+        public ?string $accountDR = null, // Digital Ruble account
         public ?string $redirectUrl = null,
         public ?string $paymentPageUrl = null,
         public ?string $fraudScore = null,
@@ -22,4 +36,5 @@ class ChangeAccForCashUniQrResponseData extends Data
         public ?string $status = null,
         public ?string $merchantId = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/DigitalRuble/CashLink/CreateCashUniQrRequestData.php b/src/Sbp/Data/DigitalRuble/CashLink/CreateCashUniQrRequestData.php
index e8a4566..c950fec 100644
--- a/src/Sbp/Data/DigitalRuble/CashLink/CreateCashUniQrRequestData.php
+++ b/src/Sbp/Data/DigitalRuble/CashLink/CreateCashUniQrRequestData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an SBP Digital Ruble CashLink Universal QR Code creation request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to generate a new Digital Ruble CashLink QR.
+// INPUTS: Terminal number (TermNo) and various optional display, payment, and notification parameters.
+// OUTPUTS: A structured, type-safe object for the `CreateCashUniQrRequest` payload.
+// LINKS: Sbp/Requests/DigitalRuble/CashLink/CreateCashUniQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP Digital Ruble CashLink Universal QR Code creation request.">
+// <BELIEF_STATE "This DTO ensures the CashLink Uni QR creation payload is strictly typed and complete, supporting clear communication for Digital Ruble transactions with the SBP API.">
 class CreateCashUniQrRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the Digital Ruble CashLink Uni QR Code creation request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo`. Optional fields cover display (`mediaType`, `width`, `height`), redirection (`redirectUrl`, `paymentPageUrl`), tracking (`messageID`, `notificationUrl`), and explicit `qrcId` if pre-defined.">
     public function __construct(
         public string $TermNo,
         public ?string $messageID = null,
@@ -17,4 +31,5 @@ class CreateCashUniQrRequestData extends Data
         public ?string $qrcId = null,
         public ?string $notificationUrl = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/DigitalRuble/CashLink/CreateCashUniQrResponseData.php b/src/Sbp/Data/DigitalRuble/CashLink/CreateCashUniQrResponseData.php
index 13d7a10..04a5124 100644
--- a/src/Sbp/Data/DigitalRuble/CashLink/CreateCashUniQrResponseData.php
+++ b/src/Sbp/Data/DigitalRuble/CashLink/CreateCashUniQrResponseData.php
@@ -1,20 +1,35 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a CashLink Universal QR Code creation request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome of generating a Digital Ruble CashLink QR Code.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing QR Code creation details.
+// LINKS: Sbp/Requests/DigitalRuble/CashLink/CreateCashUniQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP CashLink Universal QR Code creation response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for the confirmation details of a CashLink Uni QR Code creation, crucial for displaying the QR Code to the user.">
 class CreateCashUniQrResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the CashLink Uni QR Code creation response.">
+    // <BELIEF_STATE "The constructor includes mandatory `ErrorCode` and `message` for overall status. Optional fields provide details about the created QR Code, such as `TermNo`, `payload` (the QR data itself), `image` (URL to the QR image), `mediaType`, `qrcId`, `messageID`, and `status`.">
     public function __construct(
         public int $ErrorCode,
         public string $message,
         public ?string $TermNo = null,
-        public ?string $payload = null,
-        public ?string $image = null,
+        public ?string $payload = null, // The raw QR string data
+        public ?string $image = null, // URL to the QR image
         public ?string $mediaType = null,
         public ?string $qrcId = null,
         public ?string $messageID = null,
         public ?string $status = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/DigitalRuble/CashLink/GetCashUniQrStatusRequestData.php b/src/Sbp/Data/DigitalRuble/CashLink/GetCashUniQrStatusRequestData.php
index e25e3ff..226c0ec 100644
--- a/src/Sbp/Data/DigitalRuble/CashLink/GetCashUniQrStatusRequestData.php
+++ b/src/Sbp/Data/DigitalRuble/CashLink/GetCashUniQrStatusRequestData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a CashLink Universal QR Code status request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to query the status of a Digital Ruble CashLink QR Code.
+// INPUTS: Terminal number (TermNo), Uni QR ID, parameters ID, and optional message ID/payrrn.
+// OUTPUTS: A structured, type-safe object for the `GetCashUniQrStatusRequest` payload.
+// LINKS: Sbp/Requests/DigitalRuble/CashLink/GetCashUniQrStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for CashLink Universal QR Code status request.">
+// <BELIEF_STATE "This DTO ensures the status request payload is strictly typed and complete, supporting clear communication with the SBP API.">
 class GetCashUniQrStatusRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the CashLink Uni QR Code status request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo`, `uniQrId`, and `paramsId` to identify the target QR Code and its associated parameters. Optional fields `messageID` and `payrrn` provide additional query flexibility.">
     public function __construct(
         public string $TermNo,
         public string $uniQrId,
@@ -13,4 +27,5 @@ class GetCashUniQrStatusRequestData extends Data
         public ?string $messageID = null,
         public ?string $payrrn = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/DigitalRuble/CashLink/GetCashUniQrStatusResponseData.php b/src/Sbp/Data/DigitalRuble/CashLink/GetCashUniQrStatusResponseData.php
index 4df9385..88dc056 100644
--- a/src/Sbp/Data/DigitalRuble/CashLink/GetCashUniQrStatusResponseData.php
+++ b/src/Sbp/Data/DigitalRuble/CashLink/GetCashUniQrStatusResponseData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a CashLink Universal QR Code status request.
+// RESPONSIBILITY: To hold and type-safely represent detailed status information about a Digital Ruble CashLink QR Code.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing CashLink Uni QR status details.
+// LINKS: Sbp/Requests/DigitalRuble/CashLink/GetCashUniQrStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP CashLink Universal QR Code status response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of Digital Ruble CashLink QR Codes, crucial for managing payment flows.">
 class GetCashUniQrStatusResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the CashLink Uni QR Code status response.">
+    // <BELIEF_STATE "The constructor includes mandatory `ErrorCode` and `message` for overall status. Optional fields provide detailed information about the QR Code and its associated transaction, such as `TermNo`, `messageID`, `uniQrId`, `paramsId`, `trxStatus`, `payrrn`, `timestamp`, `cashRegisterQrcStatus`, `trxId`, `trxDT`, `amount`, `currency`, `Url`, `CreditDatePos`, `payerId`, `kzo`, `merchantId`, and `paymentServiceId`.">
     public function __construct(
         public int $ErrorCode,
         public string $message,
@@ -28,4 +42,5 @@ class GetCashUniQrStatusResponseData extends Data
         public ?string $merchantId = null,
         public ?string $paymentServiceId = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/DigitalRuble/CreateUniQrRequestData.php b/src/Sbp/Data/DigitalRuble/CreateUniQrRequestData.php
index 70d6ec0..39171ae 100644
--- a/src/Sbp/Data/DigitalRuble/CreateUniQrRequestData.php
+++ b/src/Sbp/Data/DigitalRuble/CreateUniQrRequestData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an SBP Digital Ruble Universal QR Code creation request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to generate a new Digital Ruble Uni QR.
+// INPUTS: Terminal number (TermNo), QR type, and various optional display, payment, and notification parameters.
+// OUTPUTS: A structured, type-safe object for the `CreateUniQrRequest` payload.
+// LINKS: Sbp/Requests/DigitalRuble/CreateUniQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\DigitalRuble;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP Digital Ruble Universal QR Code creation request.">
+// <BELIEF_STATE "This DTO ensures the Uni QR creation payload is strictly typed and complete, supporting clear communication for Digital Ruble transactions with the SBP API.">
 class CreateUniQrRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the Digital Ruble Uni QR Code creation request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo` and `uniQrType`. Optional fields cover display (`mediaType`, `width`, `height`), payment details (`amount`, `paymentPurpose`), redirection (`redirectUrl`, `paymentPageUrl`), validity (`qrTtl`), tracking (`messageID`, `notificationUrl`), and optional sender information (`SenderFIO`, `SenderID`, `SenderBankBIC`).">
     public function __construct(
         public string $TermNo,
         public string $uniQrType = '02', // 01=Multi, 02=Single
@@ -23,4 +37,5 @@ class CreateUniQrRequestData extends Data
         public ?string $SenderID = null,
         public ?string $SenderBankBIC = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/DigitalRuble/Notifications/PaymentDrNotificationData.php b/src/Sbp/Data/DigitalRuble/Notifications/PaymentDrNotificationData.php
index 56a61b3..0983373 100644
--- a/src/Sbp/Data/DigitalRuble/Notifications/PaymentDrNotificationData.php
+++ b/src/Sbp/Data/DigitalRuble/Notifications/PaymentDrNotificationData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a Digital Ruble payment notification payload.
+// RESPONSIBILITY: To hold and type-safely represent the details of an incoming Digital Ruble payment event.
+// INPUTS: Raw array from a Digital Ruble payment webhook.
+// OUTPUTS: A structured object containing payment notification details.
+// LINKS: Sbp/Requests/DigitalRuble/Notifications/ParsePaymentDrNotification.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\DigitalRuble\Notifications;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for Digital Ruble payment notification.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for Digital Ruble payment notifications, crucial for reliably processing incoming payment events.">
 class PaymentDrNotificationData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of a Digital Ruble payment notification.">
+    // <BELIEF_STATE "The constructor includes mandatory fields such as `command`, `payrrn`, `BatchId`, `TermNo`, `CreditDatePos`, and `merchantName`. Optional fields provide additional context like `uniQrId`, `operationId`, `status`, `amount`, `timestamp`, and `purpose`, essential for a comprehensive payment record.">
     public function __construct(
         public string $command,
         public string $payrrn,
@@ -20,4 +34,5 @@ class PaymentDrNotificationData extends Data
         public ?string $timestamp = null,
         public ?string $purpose = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Management/BlockQrRequestData.php b/src/Sbp/Data/Management/BlockQrRequestData.php
index f95a7aa..662b34b 100644
--- a/src/Sbp/Data/Management/BlockQrRequestData.php
+++ b/src/Sbp/Data/Management/BlockQrRequestData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an SBP QR Code block/unblock request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to block or unblock a specific QR Code.
+// INPUTS: Terminal number (TermNo), QR Code ID, and an optional reason.
+// OUTPUTS: A structured, type-safe object for `BlockQrRequest` and `UnblockQrRequest` payloads.
+// LINKS: Sbp/Requests/Management/BlockQrRequest.php, Sbp/Requests/Management/UnblockQrRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Management;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code block/unblock request.">
+// <BELIEF_STATE "This DTO ensures the request payload for blocking or unblocking a QR Code is strictly typed and complete, supporting clear management operations.">
 class BlockQrRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the QR Code block/unblock request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo` and `qrcId` to identify the target QR Code. An optional `reason` can be provided for blocking actions.">
     public function __construct(
         public string $TermNo,
         public string $qrcId,
         public ?string $reason = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/QrCodeRequestData.php b/src/Sbp/Data/QrCodeRequestData.php
index fa7dfbd..3339ad0 100644
--- a/src/Sbp/Data/QrCodeRequestData.php
+++ b/src/Sbp/Data/QrCodeRequestData.php
@@ -1,32 +1,81 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the structure and mapping for the request payload when generating an SBP QR Code.
+// RESPONSIBILITY: To ensure type safety, enforce expected data types, and handle property name mapping between internal (camelCase) and external (PascalCase/API) conventions.
+// INPUTS: Raw data array (typically from user input or internal system).
+// OUTPUTS: A validated, strongly-typed object representing the QR code generation request.
+// LINKS: GetQrCodeRequest.php (uses this DTO)
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data;
 
+// <SECTION name="module_imports" intent="Import necessary attributes and base class for defining the DTO.">
+// <BELIEF_STATE "Spatie's Laravel Data package provides powerful features for DTOs, including automatic mapping, validation, and serialization. Using its attributes (`MapName`, `Data`) simplifies the DTO's definition and functionality.">
+use Spatie\LaravelData\Attributes\MapName;
+use Spatie\LaravelData\Attributes\MapOutputName; // Note: Not used directly here, but generally relevant for output mapping
 use Spatie\LaravelData\Data;
+use Spatie\LaravelData\Mappers\NameMapper; // Note: Not directly used, but part of the Spatie Data ecosystem
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the DTO for an SBP QR Code generation request.">
+// <BELIEF_STATE "A dedicated DTO for the QR code request ensures that the input data for the API call is always structured correctly and explicitly typed. This significantly improves code readability, maintainability, and prevents common API integration bugs.">
 class QrCodeRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define all properties that constitute the QR code request payload, including API name mappings.">
+    // <BELIEF_STATE "Each property explicitly defines its type and optionality. Crucially, `#[MapName]` attributes are used to bridge the gap between internal PHP `camelCase` naming conventions and the external API's `PascalCase` requirements, maintaining a clean internal API while satisfying external constraints.">
     public function __construct(
-        public string $TermNo,
-        public string $qrcType = '01', // '01' = Static, '02' = Dynamic
+        // <BELIEF_STATE "The `TermNo` is a mandatory identifier for the payment terminal. Using `#[MapName]` allows the internal property to be `termNo` (camelCase) while the API expects `TermNo` (PascalCase).">
+        #[MapName('TermNo')]
+        public string $termNo,
+        
+        // <BELIEF_STATE "The `qrcType` specifies whether the QR code is static ('01') or dynamic ('02'). Providing a default value simplifies usage for the most common scenario.">
+        #[MapName('qrcType')] // Although same name, good to be explicit
+        public string $qrcType = '01', 
+        
+        // <BELIEF_STATE "The `amount` is optional for static QRs but mandatory for dynamic ones. It's stored as a string to avoid floating-point precision issues with currency.">
         public ?string $amount = null,
+        
+        // <BELIEF_STATE "The `currency` is typically 'RUB' for SBP, but it's explicitly defined for clarity and future extensibility.">
         public string $currency = 'RUB',
+        
+        // <BELIEF_STATE "The `paymentPurpose` provides a human-readable description for the payment, improving reconciliation.">
         public ?string $paymentPurpose = null,
+        
+        // <BELIEF_STATE "The `redirectUrl` is where the user is sent after completing the payment, essential for web-based flows.">
         public ?string $redirectUrl = null,
+        
+        // <BELIEF_STATE "The `messageID` provides an optional, unique identifier for the request, useful for idempotency or tracking.">
         public ?string $messageID = null,
+        
+        // <BELIEF_STATE "Width and height allow customization of the generated QR code image dimensions.">
         public ?string $width = null,
         public ?string $height = null,
+        
+        // <BELIEF_STATE "The `notificationUrl` specifies where the bank should send webhook notifications about payment status changes.">
         public ?string $notificationUrl = null,
         
         // Dynamic QR specific fields
-        public ?string $OrderNumber = null,
-        public ?string $qrTtl = null, // Minutes, 1-6
+        // <BELIEF_STATE "The `OrderNumber` is specific to dynamic QRs, providing a unique identifier for the order in the merchant's system.">
+        #[MapName('OrderNumber')]
+        public ?string $orderNumber = null,
+        
+        // <BELIEF_STATE "The `qrTtl` defines how long a dynamic QR code remains valid, specified in minutes.">
+        public ?string $qrTtl = null, 
+        
+        // <BELIEF_STATE "Subscription service identifiers are used for recurring payment scenarios with SBP.">
         public ?string $subscriptionServiceId = null,
         public ?string $subscriptionServiceName = null,
         
-        // Optional user data for Dynamic QR
-        public ?string $SenderFIO = null,
-        public ?string $SenderID = null,
-        public ?string $SenderBankBIC = null,
+        // Optional user data for Dynamic QR (often part of sender identification)
+        // <BELIEF_STATE "Sender details are crucial for identifying the payer in certain SBP scenarios. `#[MapName]` ensures these follow API conventions.">
+        #[MapName('SenderFIO')]
+        public ?string $senderFio = null,
+        
+        #[MapName('SenderID')]
+        public ?string $senderId = null,
+        
+        #[MapName('SenderBankBIC')]
+        public ?string $senderBankBic = null,
     ) {}
-}
\ No newline at end of file
+    // </SECTION>
+}
diff --git a/src/Sbp/Data/QrCodeResponseData.php b/src/Sbp/Data/QrCodeResponseData.php
index 545ab73..164d233 100644
--- a/src/Sbp/Data/QrCodeResponseData.php
+++ b/src/Sbp/Data/QrCodeResponseData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response when generating an SBP QR Code.
+// RESPONSIBILITY: To provide a strongly-typed structure for the API's response to QR code generation requests, including status, potential error messages, and the generated QR code data (image, payload, ID).
+// INPUTS: Raw array data from the SBP QR Code generation API response.
+// OUTPUTS: An instantiated DTO with properties mapped from the input array.
+// LINKS: Sbp/Requests/GetQrCodeRequest.php, README.md#sbp-api
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data;
 
+// <SECTION name="module_imports" intent="Import the base Spatie\LaravelData class.">
+// <BELIEF_STATE "This class extends `Spatie\LaravelData\Data` to leverage its robust data mapping and type safety, ensuring consistent and predictable handling of SBP QR Code response payloads.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the QR Code response data structure.">
+// <BELIEF_STATE "The `QrCodeResponseData` DTO encapsulates all possible fields returned by the SBP QR Code generation API. Fields are explicitly typed as nullable to accommodate variations in API responses, particularly for error scenarios where certain data might be absent.">
 class QrCodeResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the QR Code response DTO.">
+    // <BELIEF_STATE "Properties are defined directly in the constructor for brevity and immutability, leveraging PHP 8's constructor property promotion. Fields like `ErrorCode` are always expected, while others like `image` or `payload` are nullable as they might only be present on successful responses.">
     public function __construct(
         public int $ErrorCode,
         public ?string $message = null,
@@ -17,4 +31,6 @@ class QrCodeResponseData extends Data
         public ?string $messageID = null,
         public ?string $status = null,
     ) {}
-}
\ No newline at end of file
+    // </SECTION>
+}
+// </SECTION>
\ No newline at end of file
diff --git a/src/Sbp/Data/Registry/GetBankListResponseData.php b/src/Sbp/Data/Registry/GetBankListResponseData.php
index 906d3d1..5f7f5b6 100644
--- a/src/Sbp/Data/Registry/GetBankListResponseData.php
+++ b/src/Sbp/Data/Registry/GetBankListResponseData.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of an SBP bank list request.
+// RESPONSIBILITY: To hold and type-safely represent the list of banks participating in the SBP.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing the bank list.
+// LINKS: Sbp/Requests/Registry/GetBankListRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Registry;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP bank list response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for the SBP bank list, crucial for routing payments and providing bank selection options.">
 class GetBankListResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the SBP bank list response.">
+    // <BELIEF_STATE "The constructor includes mandatory `ErrorCode` and `message` for overall status. The `BankList` property is an optional array (which could be further typed with a `DataCollectionOf` if `BankData` DTOs were defined) containing details of participating banks.">
     public function __construct(
         public int $ErrorCode,
         public string $message,
-        public ?array $BankList = null,
+        public ?array $BankList = null, // Array of bank details, could be DataCollectionOf(BankData::class)
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Reversal/GetQrcReversalDataRequestData.php b/src/Sbp/Data/Reversal/GetQrcReversalDataRequestData.php
index 6027282..6d0d590 100644
--- a/src/Sbp/Data/Reversal/GetQrcReversalDataRequestData.php
+++ b/src/Sbp/Data/Reversal/GetQrcReversalDataRequestData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an SBP QR Code reversal data request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to query detailed information about a QR Code reversal.
+// INPUTS: Terminal number (TermNo), currency, and various optional reversal identifiers.
+// OUTPUTS: A structured, type-safe object for the `GetQrcReversalDataRequest` payload.
+// LINKS: Sbp/Requests/Reversal/GetQrcReversalDataRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Reversal;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code reversal data request.">
+// <BELIEF_STATE "This DTO ensures the reversal data request payload is strictly typed and complete, supporting clear communication with the SBP API.">
 class GetQrcReversalDataRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the QR Code reversal data request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo` and `currency`. Optional identifiers like `qrcId`, `payrrn`, `trxId`, `trxDT`, `amount`, `messageID`, and `ReturnRestAmount` provide flexibility for various reversal data queries.">
     public function __construct(
         public string $TermNo,
         public ?string $qrcId = null,
@@ -17,4 +31,5 @@ class GetQrcReversalDataRequestData extends Data
         public ?string $messageID = null,
         public ?bool $ReturnRestAmount = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Reversal/GetQrcReversalDataResponseData.php b/src/Sbp/Data/Reversal/GetQrcReversalDataResponseData.php
index 31a047b..865d50a 100644
--- a/src/Sbp/Data/Reversal/GetQrcReversalDataResponseData.php
+++ b/src/Sbp/Data/Reversal/GetQrcReversalDataResponseData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a QR Code reversal data request.
+// RESPONSIBILITY: To hold and type-safely represent detailed information about an SBP QR Code reversal.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing detailed reversal data.
+// LINKS: Sbp/Requests/Reversal/GetQrcReversalDataRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Reversal;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for detailed SBP QR Code reversal data response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for the detailed outcome of a reversal data query, crucial for reconciliation and error analysis.">
 class GetQrcReversalDataResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the QR Code reversal data response.">
+    // <BELIEF_STATE "The constructor includes mandatory error codes and messages, along with optional detailed information about the reversal such as `TermNo`, `messageID`, payer details, `payrrn`, `qrcId`, `trxDT`, `trxId`, and `restAmount`.">
     public function __construct(
         public int $ErrorCode,
         public string $message,
@@ -21,4 +35,5 @@ class GetQrcReversalDataResponseData extends Data
         public ?string $trxId = null,
         public ?string $restAmount = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Reversal/GetQrcReversalStatusRequestData.php b/src/Sbp/Data/Reversal/GetQrcReversalStatusRequestData.php
index ff4aa4b..6c6a25d 100644
--- a/src/Sbp/Data/Reversal/GetQrcReversalStatusRequestData.php
+++ b/src/Sbp/Data/Reversal/GetQrcReversalStatusRequestData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for a SBP QR Code reversal status request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to query the status of a QR Code reversal.
+// INPUTS: Terminal number (TermNo) and various optional reversal identifiers.
+// OUTPUTS: A structured, type-safe object for the `GetQrcReversalStatusRequest` payload.
+// LINKS: Sbp/Requests/Reversal/GetQrcReversalStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Reversal;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code reversal status request.">
+// <BELIEF_STATE "This DTO ensures the reversal status request payload is strictly typed and complete, supporting clear communication with the SBP API.">
 class GetQrcReversalStatusRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the QR Code reversal status request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo` and optional identifiers like `payrrn`, `originalTrxId`, `trxId`, and `messageID`. These allow for flexible and precise querying of a reversal's status.">
     public function __construct(
         public string $TermNo,
         public ?string $payrrn = null,
@@ -13,4 +27,5 @@ class GetQrcReversalStatusRequestData extends Data
         public ?string $trxId = null,
         public ?string $messageID = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Reversal/GetQrcReversalStatusResponseData.php b/src/Sbp/Data/Reversal/GetQrcReversalStatusResponseData.php
index 64da818..6b89cf4 100644
--- a/src/Sbp/Data/Reversal/GetQrcReversalStatusResponseData.php
+++ b/src/Sbp/Data/Reversal/GetQrcReversalStatusResponseData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a QR Code reversal status request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome and status of an SBP QR Code reversal operation.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing reversal status information.
+// LINKS: Sbp/Requests/Reversal/GetQrcReversalStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Reversal;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code reversal status response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of an SBP reversal, crucial for managing financial transactions.">
 class GetQrcReversalStatusResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the QR Code reversal status response.">
+    // <BELIEF_STATE "The constructor includes mandatory `ErrorCode` and `message` for overall status. Optional fields provide detailed information about the transaction, such as `TermNo`, `amount`, `messageID`, `originalQrcId`, `originalTrxId`, payer details, `Url`, `status`, `trxDT`, and `trxId`.">
     public function __construct(
         public int $ErrorCode,
         public ?string $message = null,
@@ -20,4 +34,5 @@ class GetQrcReversalStatusResponseData extends Data
         public ?string $trxDT = null,
         public ?string $trxId = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Reversal/QrcReversalRequestData.php b/src/Sbp/Data/Reversal/QrcReversalRequestData.php
index 2a94706..3fdac3f 100644
--- a/src/Sbp/Data/Reversal/QrcReversalRequestData.php
+++ b/src/Sbp/Data/Reversal/QrcReversalRequestData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an SBP QR Code reversal request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to initiate a QR Code reversal.
+// INPUTS: Terminal number (TermNo), currency, and various optional reversal identifiers.
+// OUTPUTS: A structured, type-safe object for the `QrcReversalRequest` payload.
+// LINKS: Sbp/Requests/Reversal/QrcReversalRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Reversal;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code reversal request.">
+// <BELIEF_STATE "This DTO ensures the reversal request payload is strictly typed and complete, supporting clear communication for critical financial operations with the SBP API.">
 class QrcReversalRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the QR Code reversal request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo` and `currency`. Optional identifiers like `qrcId`, `payrrn`, `trxId`, `trxDT`, `amount`, `messageID`, `notificationUrl`, and `ReturnRestAmount` provide flexibility for various reversal scenarios.">
     public function __construct(
         public string $TermNo,
         public ?string $qrcId = null,
@@ -19,4 +33,5 @@ class QrcReversalRequestData extends Data
         public ?bool $ReturnRestAmount = null,
         // extJsonParams not fully implemented as it's optional and dynamic
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Reversal/QrcReversalResponseData.php b/src/Sbp/Data/Reversal/QrcReversalResponseData.php
index cea3140..7a4e758 100644
--- a/src/Sbp/Data/Reversal/QrcReversalResponseData.php
+++ b/src/Sbp/Data/Reversal/QrcReversalResponseData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of a QR Code reversal request.
+// RESPONSIBILITY: To hold and type-safely represent the outcome of an SBP QR Code reversal operation.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing reversal confirmation details.
+// LINKS: Sbp/Requests/Reversal/QrcReversalRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Reversal;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code reversal response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for the confirmation details of an SBP reversal, crucial for verifying the transaction.">
 class QrcReversalResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the QR Code reversal response.">
+    // <BELIEF_STATE "The constructor includes mandatory `ErrorCode` and optional fields like `message`, `TermNo`, `amount`, `currency`, `messageID`, `trxDT`, `trxId`, `payrrn`, and `restAmount`. These fields provide the status and key identifiers of the reversal.">
     public function __construct(
         public int $ErrorCode,
         public ?string $message = null,
@@ -18,4 +32,5 @@ class QrcReversalResponseData extends Data
         public ?string $payrrn = null,
         public ?string $restAmount = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Status/GetQrcStatusRequestData.php b/src/Sbp/Data/Status/GetQrcStatusRequestData.php
index 5207d46..db8a270 100644
--- a/src/Sbp/Data/Status/GetQrcStatusRequestData.php
+++ b/src/Sbp/Data/Status/GetQrcStatusRequestData.php
@@ -1,15 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an SBP QR Code status request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to query the status of a specific QR Code.
+// INPUTS: Terminal number (TermNo) and various optional QR Code identifiers.
+// OUTPUTS: A structured, type-safe object for the `GetQrcStatusRequest` payload.
+// LINKS: Sbp/Requests/Status/GetQrcStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Status;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code status request.">
+// <BELIEF_STATE "This DTO ensures the status request payload is strictly typed and complete, supporting clear communication with the SBP API.">
 class GetQrcStatusRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the QR Code status request.">
+    // <BELIEF_STATE "The constructor includes the mandatory `TermNo` and optional identifiers like `qrcId`, `payrrn`, and `messageID`. These allow for flexible and precise querying of a QR Code's status.">
     public function __construct(
         public string $TermNo,
         public ?string $qrcId = null,
         public ?string $payrrn = null,
         public ?string $messageID = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Status/GetQrcStatusResponseData.php b/src/Sbp/Data/Status/GetQrcStatusResponseData.php
index 493f361..de83665 100644
--- a/src/Sbp/Data/Status/GetQrcStatusResponseData.php
+++ b/src/Sbp/Data/Status/GetQrcStatusResponseData.php
@@ -1,11 +1,25 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for the response of an SBP QR Code status request.
+// RESPONSIBILITY: To hold and type-safely represent detailed status information about a specific QR Code.
+// INPUTS: Raw JSON object from the API response.
+// OUTPUTS: A structured object containing QR Code status details.
+// LINKS: Sbp/Requests/Status/GetQrcStatusRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Status;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from JSON and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code status response.">
+// <BELIEF_STATE "This DTO provides a clear, type-safe contract for tracking the status of SBP QR Codes, crucial for managing payment flows and reconciliation.">
 class GetQrcStatusResponseData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties of the QR Code status response.">
+    // <BELIEF_STATE "The constructor includes mandatory `ErrorCode` and `message` for overall status. Optional fields provide detailed information about the QR Code and its transaction, such as `qrcId`, `status`, `trxId`, `trxDT`, `payrrn`, `CreditDatePos`, `TermNo`, `amount`, `currency`, `Url`, `payerId`, `kzo`, and `merchantId`.">
     public function __construct(
         public int $ErrorCode,
         public string $message,
@@ -24,4 +38,5 @@ class GetQrcStatusResponseData extends Data
         public ?string $messageID = null,
         public ?string $merchantId = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Data/Subscription/RegQrSubRequestData.php b/src/Sbp/Data/Subscription/RegQrSubRequestData.php
index a7421bd..ad9f2d1 100644
--- a/src/Sbp/Data/Subscription/RegQrSubRequestData.php
+++ b/src/Sbp/Data/Subscription/RegQrSubRequestData.php
@@ -1,19 +1,34 @@
 <?php
+/*
+// MODULE_CONTRACT: Defines the data structure for an SBP QR Code subscription registration request payload.
+// RESPONSIBILITY: To hold and type-safely represent the parameters needed to register a new SBP subscription.
+// INPUTS: Terminal number (TermNo), subscription purpose, notification URL, and various optional QR Code parameters.
+// OUTPUTS: A structured, type-safe object for the `RegQrSubRequest` payload.
+// LINKS: Sbp/Requests/Subscription/RegQrSubRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Data\Subscription;
 
+// <SECTION name="module_imports" intent="Import the base Spatie Laravel Data class.">
+// <BELIEF_STATE "Extending `Spatie\LaravelData\Data` enables automatic casting from arrays and provides DTO benefits.">
 use Spatie\LaravelData\Data;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a DTO for SBP QR Code subscription registration request.">
+// <BELIEF_STATE "This DTO ensures the subscription registration payload is strictly typed and complete, supporting clear communication with the SBP API for recurring payments.">
 class RegQrSubRequestData extends Data
 {
+    // <SECTION name="constructor_properties" intent="Define the properties for the QR Code subscription registration request.">
+    // <BELIEF_STATE "The constructor includes mandatory `TermNo`, `subscriptionPurpose`, `notificationUrl`, and defaults `qrcType` to '03' (subscription). Optional fields like `qrTtl`, `redirectUrl`, `subscriptionServiceId`, and `subscriptionServiceName` provide flexibility for detailed subscription setup.">
     public function __construct(
         public string $TermNo,
         public string $subscriptionPurpose,
         public string $notificationUrl,
-        public string $qrcType = '03',
+        public string $qrcType = '03', // '03' = Subscription
         public ?string $qrTtl = null,
         public ?string $redirectUrl = null,
         public ?string $subscriptionServiceId = null,
         public ?string $subscriptionServiceName = null,
     ) {}
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/CashLink/ActivateCashQrRequest.php b/src/Sbp/Requests/CashLink/ActivateCashQrRequest.php
index 03dfddd..aaf2dee 100644
--- a/src/Sbp/Requests/CashLink/ActivateCashQrRequest.php
+++ b/src/Sbp/Requests/CashLink/ActivateCashQrRequest.php
@@ -1,29 +1,50 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to activate a CashLink QR Code.
+// RESPONSIBILITY: To define the POST request for making a previously registered CashLink QR Code active and scannable.
+// INPUTS: ActivateCashQrRequestData (DTO) containing QR Code activation parameters.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\CashLink;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires the `ActivateCashQrRequestData` DTO for its JSON body and utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Apoloz\AlfaBank\Sbp\Data\CashLink\ActivateCashQrRequestData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to activate a CashLink QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for activating a CashLink QR Code, a key management operation in SBP payment systems.">
 class ActivateCashQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Activating a resource is an action that changes the system state, so POST is the correct verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the QR Code activation data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`ActivateCashQrRequestData`) ensures that all necessary information for QR Code activation is provided and correctly structured.">
     public function __construct(
         protected ActivateCashQrRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink QR Code activation.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Fields from the DTO are mapped, including conditional parameters for order number, payment purpose, QR TTL, and notification URLs.">
     protected function defaultBody(): array
     {
         $body = [
@@ -44,9 +65,13 @@ class ActivateCashQrRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/CashLink/ChangeAccountForCashQrRequest.php b/src/Sbp/Requests/CashLink/ChangeAccountForCashQrRequest.php
index 1acb559..3e26466 100644
--- a/src/Sbp/Requests/CashLink/ChangeAccountForCashQrRequest.php
+++ b/src/Sbp/Requests/CashLink/ChangeAccountForCashQrRequest.php
@@ -1,18 +1,37 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to change the account for a CashLink QR Code.
+// RESPONSIBILITY: To define the POST request for updating the linked account for a specific CashLink QR.
+// INPUTS: Terminal number (TermNo), QR Code ID, new account, and optional merchant/redirect details.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\CashLink;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to change the account for a CashLink QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for modifying a CashLink QR Code, which is a key management operation.">
 class ChangeAccountForCashQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Modifying a resource via an action is correctly represented by a POST request in the SBP API context.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory and optional parameters for the account change request.">
+    // <BELIEF_STATE "The constructor requires `TermNo`, `qrcId`, and the new `account`. Optional parameters (`NewTermNo`, `NewMerchantId`, `redirectUrl`) allow for more complex reconfigurations.">
     public function __construct(
         protected string $TermNo,
         protected string $qrcId,
@@ -22,11 +41,16 @@ class ChangeAccountForCashQrRequest extends Request implements HasBody
         protected ?string $redirectUrl = null,
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink QR Code account changes.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Fields are conditionally added based on constructor parameters, ensuring the payload precisely matches the API specification.">
     protected function defaultBody(): array
     {
         $body = [
@@ -42,9 +66,13 @@ class ChangeAccountForCashQrRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/CashLink/ChangeTermNoForCashQrRequest.php b/src/Sbp/Requests/CashLink/ChangeTermNoForCashQrRequest.php
index cb9c507..821e17c 100644
--- a/src/Sbp/Requests/CashLink/ChangeTermNoForCashQrRequest.php
+++ b/src/Sbp/Requests/CashLink/ChangeTermNoForCashQrRequest.php
@@ -1,28 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to change the terminal number for a CashLink QR Code.
+// RESPONSIBILITY: To define the POST request for updating the linked terminal for a specific CashLink QR.
+// INPUTS: Terminal number (TermNo) and QR Code ID.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\CashLink;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to change the terminal number for a CashLink QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for modifying a CashLink QR Code, specifically its associated terminal, which is a key management operation.">
 class ChangeTermNoForCashQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Modifying a resource via an action is correctly represented by a POST request in the SBP API context.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory terminal number and QR Code ID.">
+    // <BELIEF_STATE "The constructor requires `TermNo` and `qrcId` to identify the target QR Code for which the terminal number is being changed.">
     public function __construct(
         protected string $TermNo,
         protected string $qrcId
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink QR Code terminal number changes.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo` and `qrcId` are included in the body to identify the target.">
     protected function defaultBody(): array
     {
         return [
@@ -31,9 +55,13 @@ class ChangeTermNoForCashQrRequest extends Request implements HasBody
             'qrcId' => $this->qrcId,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/CashLink/DeleteCashQrRequest.php b/src/Sbp/Requests/CashLink/DeleteCashQrRequest.php
index 1740ac4..94d2fa2 100644
--- a/src/Sbp/Requests/CashLink/DeleteCashQrRequest.php
+++ b/src/Sbp/Requests/CashLink/DeleteCashQrRequest.php
@@ -1,28 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to delete a CashLink QR Code.
+// RESPONSIBILITY: To define the POST request for deactivating and removing a specific CashLink QR.
+// INPUTS: Terminal number (TermNo) and QR Code ID.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\CashLink;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to delete a CashLink QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for deleting a CashLink QR Code, which is a critical management operation.">
 class DeleteCashQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Deleting a resource via an action is correctly represented by a POST request in the SBP API context.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory terminal number and QR Code ID.">
+    // <BELIEF_STATE "The constructor requires `TermNo` and `qrcId` to identify the target QR Code for deletion.">
     public function __construct(
         protected string $TermNo,
         protected string $qrcId
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink QR Code deletion.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo` and `qrcId` are included in the body to identify the target.">
     protected function defaultBody(): array
     {
         return [
@@ -31,9 +55,13 @@ class DeleteCashQrRequest extends Request implements HasBody
             'qrcId' => $this->qrcId,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/CashLink/GetCashQrHistoryRequest.php b/src/Sbp/Requests/CashLink/GetCashQrHistoryRequest.php
index b46a338..3149732 100644
--- a/src/Sbp/Requests/CashLink/GetCashQrHistoryRequest.php
+++ b/src/Sbp/Requests/CashLink/GetCashQrHistoryRequest.php
@@ -1,18 +1,37 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get the history of a CashLink QR Code.
+// RESPONSIBILITY: To define the POST request for retrieving historical data for a specific CashLink QR Code.
+// INPUTS: Terminal number (TermNo), QR Code ID, and a date range.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\CashLink;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to get the history of a CashLink QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for querying the history of a CashLink QR Code, which is useful for auditing and reconciliation.">
 class GetCashQrHistoryRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP history requests are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory parameters for the CashLink QR Code history request.">
+    // <BELIEF_STATE "The constructor requires `TermNo`, `qrcId`, and a `dateFrom`/`dateTo` range to specify the target QR Code and the period of interest.">
     public function __construct(
         protected string $TermNo,
         protected string $qrcId,
@@ -20,11 +39,16 @@ class GetCashQrHistoryRequest extends Request implements HasBody
         protected string $dateTo
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink QR Code history queries.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. All constructor properties are directly mapped to the request body to identify the QR Code and the date range.">
     protected function defaultBody(): array
     {
         return [
@@ -35,9 +59,13 @@ class GetCashQrHistoryRequest extends Request implements HasBody
             'dateTo' => $this->dateTo,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/CashLink/GetCashQrStatusRequest.php b/src/Sbp/Requests/CashLink/GetCashQrStatusRequest.php
index 7d6987d..2b8ca70 100644
--- a/src/Sbp/Requests/CashLink/GetCashQrStatusRequest.php
+++ b/src/Sbp/Requests/CashLink/GetCashQrStatusRequest.php
@@ -1,28 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get the status of a CashLink QR Code.
+// RESPONSIBILITY: To define the POST request for checking the state of a specific CashLink QR.
+// INPUTS: Terminal number (TermNo) and QR Code ID.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\CashLink;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to get the status of a CashLink QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for querying the status of a CashLink QR Code, which is crucial for tracking payment flows.">
 class GetCashQrStatusRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP status checks are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory terminal number and QR Code ID.">
+    // <BELIEF_STATE "The constructor requires `TermNo` and `qrcId` to specify the target QR Code whose status is being queried.">
     public function __construct(
         protected string $TermNo,
         protected string $qrcId
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink QR Code status queries.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo` and `qrcId` identify the target.">
     protected function defaultBody(): array
     {
         return [
@@ -31,9 +55,13 @@ class GetCashQrStatusRequest extends Request implements HasBody
             'qrcId' => $this->qrcId,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/CashLink/RegCashQrRequest.php b/src/Sbp/Requests/CashLink/RegCashQrRequest.php
index 644f37b..3c4008c 100644
--- a/src/Sbp/Requests/CashLink/RegCashQrRequest.php
+++ b/src/Sbp/Requests/CashLink/RegCashQrRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to register a CashLink QR Code.
+// RESPONSIBILITY: To define the POST request for creating a new CashLink QR Code.
+// INPUTS: RegCashQrRequestData (DTO) containing QR Code parameters.
+// OUTPUTS: RegCashQrResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\CashLink;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Sbp\Data\CashLink\RegCashQrRequestData;
 use Apoloz\AlfaBank\Sbp\Data\CashLink\RegCashQrResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,22 +17,35 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to register a CashLink QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for generating a CashLink QR Code, a key feature in SBP payment systems.">
 class RegCashQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Creating a new QR Code resource or initiating a generation action is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the CashLink QR Code registration data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`RegCashQrRequestData`) ensures that all necessary information for QR Code generation is provided and correctly structured.">
     public function __construct(
         protected RegCashQrRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink QR Code registration.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Fields from the DTO are mapped, including conditional parameters for media type, dimensions, redirect URL, and QR Code ID.">
     protected function defaultBody(): array
     {
         $body = [
@@ -40,9 +61,13 @@ class RegCashQrRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `RegCashQrResponseData` DTO provides a type-safe and structured object for the result of the QR Code registration.">
     public function createDtoFromResponse(Response $response): RegCashQrResponseData
     {
         return RegCashQrResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/DigitalRuble/CashLink/ChangeAccForCashUniQrRequest.php b/src/Sbp/Requests/DigitalRuble/CashLink/ChangeAccForCashUniQrRequest.php
index c3efc2d..310b16c 100644
--- a/src/Sbp/Requests/DigitalRuble/CashLink/ChangeAccForCashUniQrRequest.php
+++ b/src/Sbp/Requests/DigitalRuble/CashLink/ChangeAccForCashUniQrRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to change the account for a CashLink Universal QR Code.
+// RESPONSIBILITY: To define the POST request for updating the linked account for a Digital Ruble CashLink QR.
+// INPUTS: ChangeAccForCashUniQrRequestData (DTO) with relevant parameters.
+// OUTPUTS: ChangeAccForCashUniQrResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink\ChangeAccForCashUniQrRequestData;
 use Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink\ChangeAccForCashUniQrResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,22 +17,35 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to change the account for a CashLink Uni QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for modifying a Digital Ruble CashLink QR Code, which is a key management operation.">
 class ChangeAccForCashUniQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Modifying a resource via an action is correctly represented by a POST request in the SBP API context.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the account change data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`ChangeAccForCashUniQrRequestData`) ensures that all necessary information for the account change is provided and correctly structured.">
     public function __construct(
         protected ChangeAccForCashUniQrRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink Uni QR Code account changes.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Fields from the DTO are mapped, including conditional parameters for the new account, merchant, redirect URL, etc.">
     protected function defaultBody(): array
     {
         $body = [
@@ -44,9 +65,13 @@ class ChangeAccForCashUniQrRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `ChangeAccForCashUniQrResponseData` DTO provides a type-safe and structured object for the result of the account change operation.">
     public function createDtoFromResponse(Response $response): ChangeAccForCashUniQrResponseData
     {
         return ChangeAccForCashUniQrResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/DigitalRuble/CashLink/CreateCashUniQrRequest.php b/src/Sbp/Requests/DigitalRuble/CashLink/CreateCashUniQrRequest.php
index 272945f..45a5d6a 100644
--- a/src/Sbp/Requests/DigitalRuble/CashLink/CreateCashUniQrRequest.php
+++ b/src/Sbp/Requests/DigitalRuble/CashLink/CreateCashUniQrRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to create a CashLink Universal QR Code for Digital Ruble.
+// RESPONSIBILITY: To define the POST request for generating a new Digital Ruble CashLink QR.
+// INPUTS: CreateCashUniQrRequestData (DTO) containing QR Code parameters.
+// OUTPUTS: CreateCashUniQrResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink\CreateCashUniQrRequestData;
 use Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink\CreateCashUniQrResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,22 +17,35 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to create a CashLink Uni QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for generating a Digital Ruble CashLink QR Code, a key feature in the SBP Digital Ruble operations.">
 class CreateCashUniQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Creating a new QR Code resource or initiating a generation action is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the CashLink Uni QR Code creation data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`CreateCashUniQrRequestData`) ensures that all necessary information for QR Code generation is provided and correctly structured.">
     public function __construct(
         protected CreateCashUniQrRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink Uni QR Code creation.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Fields from the DTO are mapped, including conditional and nested `queryData` for notification URLs.">
     protected function defaultBody(): array
     {
         $body = [
@@ -46,9 +67,13 @@ class CreateCashUniQrRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `CreateCashUniQrResponseData` DTO provides a type-safe and structured object for the result of the QR Code creation.">
     public function createDtoFromResponse(Response $response): CreateCashUniQrResponseData
     {
         return CreateCashUniQrResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/DigitalRuble/CashLink/GetCashUniQrStatusRequest.php b/src/Sbp/Requests/DigitalRuble/CashLink/GetCashUniQrStatusRequest.php
index 6413217..e40a6c0 100644
--- a/src/Sbp/Requests/DigitalRuble/CashLink/GetCashUniQrStatusRequest.php
+++ b/src/Sbp/Requests/DigitalRuble/CashLink/GetCashUniQrStatusRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get the status of a CashLink Universal QR Code.
+// RESPONSIBILITY: To define the POST request for checking the state of a specific Digital Ruble CashLink QR.
+// INPUTS: GetCashUniQrStatusRequestData (DTO) with relevant parameters.
+// OUTPUTS: GetCashUniQrStatusResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\DigitalRuble\CashLink;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink\GetCashUniQrStatusRequestData;
 use Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CashLink\GetCashUniQrStatusResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,22 +17,35 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the status of a CashLink Uni QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for querying the status of a Digital Ruble CashLink QR Code, which is crucial for tracking payment flows.">
 class GetCashUniQrStatusRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP status checks are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the status request data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`GetCashUniQrStatusRequestData`) ensures that all necessary information for the status query is provided and correctly structured.">
     public function __construct(
         protected GetCashUniQrStatusRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP CashLink Uni QR Code status queries.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo`, `uniQrId`, and `paramsId` identify the target. Optional fields like `messageID` and `payrrn` provide additional context.">
     protected function defaultBody(): array
     {
         $body = [
@@ -39,9 +60,13 @@ class GetCashUniQrStatusRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `GetCashUniQrStatusResponseData` DTO provides a type-safe and structured object for the status of the CashLink Uni QR Code.">
     public function createDtoFromResponse(Response $response): GetCashUniQrStatusResponseData
     {
         return GetCashUniQrStatusResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/DigitalRuble/CreateUniQrRequest.php b/src/Sbp/Requests/DigitalRuble/CreateUniQrRequest.php
index 2b2ffae..a06a111 100644
--- a/src/Sbp/Requests/DigitalRuble/CreateUniQrRequest.php
+++ b/src/Sbp/Requests/DigitalRuble/CreateUniQrRequest.php
@@ -1,28 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to create a Universal QR Code for Digital Ruble.
+// RESPONSIBILITY: To define the POST request for generating a new Uni QR Code for digital ruble transactions.
+// INPUTS: CreateUniQrRequestData (DTO) containing QR Code parameters.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\DigitalRuble;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires the `CreateUniQrRequestData` DTO for its JSON body and utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Apoloz\AlfaBank\Sbp\Data\DigitalRuble\CreateUniQrRequestData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to create a Universal QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for generating a Uni QR Code for digital ruble, a key feature in the SBP Digital Ruble operations.">
 class CreateUniQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Creating a new QR Code resource or initiating a generation action is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the Uni QR Code creation data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`CreateUniQrRequestData`) ensures that all necessary information for QR Code generation is provided and correctly structured.">
     public function __construct(
         protected CreateUniQrRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP Uni QR Code creation.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Fields from the DTO are mapped, including conditional and nested `queryData` for sender information and notification URLs.">
     protected function defaultBody(): array
     {
         $body = [
@@ -54,9 +78,13 @@ class CreateUniQrRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/DigitalRuble/GetUniQrStatusRequest.php b/src/Sbp/Requests/DigitalRuble/GetUniQrStatusRequest.php
index 8578964..2145aa0 100644
--- a/src/Sbp/Requests/DigitalRuble/GetUniQrStatusRequest.php
+++ b/src/Sbp/Requests/DigitalRuble/GetUniQrStatusRequest.php
@@ -1,28 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get the status of Universal QR Codes for Digital Ruble.
+// RESPONSIBILITY: To define the POST request for checking the state of multiple Uni QR Codes.
+// INPUTS: Terminal number (TermNo) and an array of Uni QR Code IDs.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\DigitalRuble;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to get the status of Universal QR Codes.">
+// <BELIEF_STATE "This class encapsulates the logic for querying the status of multiple Uni QR Codes, which is part of managing digital ruble transactions.">
 class GetUniQrStatusRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP status checks are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory terminal number and Uni QR Code IDs.">
+    // <BELIEF_STATE "The constructor requires `TermNo` to identify the terminal and `uniQrIds` (an array of strings) to specify the QR Codes whose status is being queried.">
     public function __construct(
         protected string $TermNo,
         protected array $uniQrIds, // Array of strings
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP Uni QR Code status queries.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo` and `uniQrIds` are included in the body to identify the targets.">
     protected function defaultBody(): array
     {
         return [
@@ -31,9 +55,13 @@ class GetUniQrStatusRequest extends Request implements HasBody
             'uniQrIds' => $this->uniQrIds,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/DigitalRuble/Notifications/ParsePaymentDrNotification.php b/src/Sbp/Requests/DigitalRuble/Notifications/ParsePaymentDrNotification.php
index 5861770..571b8cc 100644
--- a/src/Sbp/Requests/DigitalRuble/Notifications/ParsePaymentDrNotification.php
+++ b/src/Sbp/Requests/DigitalRuble/Notifications/ParsePaymentDrNotification.php
@@ -1,14 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Provides a utility for parsing incoming Digital Ruble payment notifications.
+// RESPONSIBILITY: To transform a raw array payload (typically from a webhook) into a structured DTO.
+// INPUTS: Raw array representing the payment notification payload.
+// OUTPUTS: PaymentDrNotificationData (DTO).
+// LINKS: Webhooks/WebhookFactory.php (could potentially integrate this for DR-specific parsing)
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\DigitalRuble\Notifications;
 
+// <SECTION name="module_imports" intent="Import the DTO for Digital Ruble payment notifications and Laravel's Request class.">
+// <BELIEF_STATE "This utility uses the `PaymentDrNotificationData` DTO to structure the incoming data. The Laravel `Request` class is typically used for obtaining raw input in a web context.">
 use Apoloz\AlfaBank\Sbp\Data\DigitalRuble\Notifications\PaymentDrNotificationData;
-use Illuminate\Http\Request;
+use Illuminate\Http\Request; // Assuming this is used to get the raw incoming data, not directly as a Saloon Request.
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a utility class for parsing Digital Ruble payment notifications.">
+// <BELIEF_STATE "This class acts as a parser, converting unstructured incoming notification data into a type-safe and easily consumable DTO, which is critical for reliable webhook handling.">
 class ParsePaymentDrNotification
 {
+    // <SECTION name="execute_method" intent="Parse the raw incoming notification data into a structured DTO.">
+    // <BELIEF_STATE "The `execute` method is the entry point for parsing. It directly leverages the `PaymentDrNotificationData::from()` method to perform the conversion, taking advantage of Spatie Laravel Data's automatic mapping capabilities.">
     public function execute(array $data): PaymentDrNotificationData
     {
         return PaymentDrNotificationData::from($data);
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/GetQrCodeRequest.php b/src/Sbp/Requests/GetQrCodeRequest.php
index 6c5c1d0..7eef299 100644
--- a/src/Sbp/Requests/GetQrCodeRequest.php
+++ b/src/Sbp/Requests/GetQrCodeRequest.php
@@ -1,7 +1,16 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the "Get QR Code" (qrcs) API call within the SBP gateway.
+// RESPONSIBILITY: To define the HTTP method, endpoint, request body structure, and response data mapping for generating an SBP QR code.
+// INPUTS: QrCodeRequestData (DTO containing QR parameters).
+// OUTPUTS: QrCodeResponseData (DTO containing the QR payload and image URL).
+// LINKS: SbpConnector.php
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests;
 
+// <SECTION name="module_imports" intent="Import components required for defining the request and its data structures.">
+// <BELIEF_STATE "A Request class needs its specific data transfer objects (DTOs) for the request payload and the response. It also requires Saloon's base classes and traits to function within the framework.">
 use Apoloz\AlfaBank\Sbp\Data\QrCodeRequestData;
 use Apoloz\AlfaBank\Sbp\Data\QrCodeResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,61 +18,47 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define a class that encapsulates all information for the 'Get QR Code' API call.">
+// <BELIEF_STATE "Using a dedicated class for each API request is a core Saloon pattern. It organizes the endpoint, method, body, and response handling into a single, reusable, and testable unit. Implementing `HasBody` and using `HasJsonBody` signals its intent to send a JSON payload.">
 class GetQrCodeRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method_declaration" intent="Declare the HTTP verb for this API operation.">
+    // <BELIEF_STATE "The SBP specification requires a POST request to generate a QR code, as the operation creates a new resource on the server.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the structured payload required to generate the QR code.">
+    // <BELIEF_STATE "Requiring a strongly-typed `QrCodeRequestData` DTO in the constructor is a deliberate design choice to enforce data integrity at compile time. This prevents developers from sending malformed or incomplete data to the API.">
     public function __construct(
         protected QrCodeRequestData $data
     ) {}
+    // </SECTION>
 
+    // <SECTION name="endpoint_resolver" intent="Define the specific URI for the QR code generation endpoint.">
+    // <BELIEF_STATE "Centralizing the endpoint path in this method makes the SDK resilient to API changes. If the endpoint moves from '/qrcs' to '/v2/qrcs', this is the only line that needs to be updated for this specific request.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return '/qrcs';
     }
+    // </SECTION>
 
+    // <SECTION name="request_body_builder" intent="Prepare the request payload for transmission.">
+    // <BELIEF_STATE "This method delegates the serialization logic to the `QrCodeRequestData` DTO. This is a key decoupling principle: the Request class shouldn't know *how* to serialize the data (e.g., mapping camelCase to PascalCase); it should only know that the DTO is responsible for providing a valid array representation.">
     protected function defaultBody(): array
     {
-        $body = [
-            'command' => 'GetQRCd',
-            'TermNo' => $this->data->TermNo,
-            'qrcType' => $this->data->qrcType,
-            'currency' => $this->data->currency,
-        ];
-
-        // Common Fields
-        if ($this->data->amount !== null) $body['amount'] = $this->data->amount;
-        if ($this->data->paymentPurpose !== null) $body['paymentPurpose'] = $this->data->paymentPurpose;
-        if ($this->data->redirectUrl !== null) $body['redirectUrl'] = $this->data->redirectUrl;
-        if ($this->data->messageID !== null) $body['messageID'] = $this->data->messageID;
-        if ($this->data->width !== null) $body['width'] = $this->data->width;
-        if ($this->data->height !== null) $body['height'] = $this->data->height;
-
-        // Dynamic QR Fields
-        if ($this->data->OrderNumber !== null) $body['OrderNumber'] = $this->data->OrderNumber;
-        if ($this->data->qrTtl !== null) $body['qrTtl'] = $this->data->qrTtl;
-        if ($this->data->subscriptionServiceId !== null) $body['subscriptionServiceId'] = $this->data->subscriptionServiceId;
-        if ($this->data->subscriptionServiceName !== null) $body['subscriptionServiceName'] = $this->data->subscriptionServiceName;
-
-        // Query Data nesting
-        $queryData = [];
-        if ($this->data->notificationUrl !== null) $queryData['notificationUrl'] = $this->data->notificationUrl;
-        if ($this->data->SenderFIO !== null) $queryData['SenderFIO'] = $this->data->SenderFIO;
-        if ($this->data->SenderID !== null) $queryData['SenderID'] = $this->data->SenderID;
-        if ($this->data->SenderBankBIC !== null) $queryData['SenderBankBIC'] = $this->data->SenderBankBIC;
-
-        if (!empty($queryData)) {
-            $body['queryData'] = $queryData;
-        }
-
-        return $body;
+        return $this->data->toArray();
     }
+    // </SECTION>
 
+    // <SECTION name="response_dto_caster" intent="Transform the raw API JSON response into a structured DTO.">
+    // <BELIEF_STATE "Automatically casting the JSON response to a `QrCodeResponseData` DTO provides a superior, type-safe developer experience. It abstracts away the raw response, allowing the user to interact with a clean, predictable object with autocompletion and static analysis benefits.">
     public function createDtoFromResponse(Response $response): QrCodeResponseData
     {
         return QrCodeResponseData::from($response->json());
     }
+    // </SECTION>
 }
\ No newline at end of file
diff --git a/src/Sbp/Requests/Management/BlockQrRequest.php b/src/Sbp/Requests/Management/BlockQrRequest.php
index 9701e8c..214d8e2 100644
--- a/src/Sbp/Requests/Management/BlockQrRequest.php
+++ b/src/Sbp/Requests/Management/BlockQrRequest.php
@@ -1,28 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to block a QR Code.
+// RESPONSIBILITY: To define the POST request for deactivating a specific QR Code associated with a terminal.
+// INPUTS: BlockQrRequestData (TermNo, qrcId, reason).
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Management;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires the `BlockQrRequestData` DTO for its JSON body and utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Apoloz\AlfaBank\Sbp\Data\Management\BlockQrRequestData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to block a QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for blocking an SBP QR Code, which is a critical management operation.">
 class BlockQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Blocking a resource is an action that changes the system state, so POST is the correct verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the blocking request data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`BlockQrRequestData`) ensures that all necessary information for blocking the QR Code is provided and correctly structured.">
     public function __construct(
         protected BlockQrRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP QR Code blocking.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo` and `qrcId` identify the target, and `reason` provides context for the block.">
     protected function defaultBody(): array
     {
         $body = [
@@ -37,9 +61,13 @@ class BlockQrRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Management/GetBlockedQrListRequest.php b/src/Sbp/Requests/Management/GetBlockedQrListRequest.php
index a13a1e0..e2d93a3 100644
--- a/src/Sbp/Requests/Management/GetBlockedQrListRequest.php
+++ b/src/Sbp/Requests/Management/GetBlockedQrListRequest.php
@@ -1,27 +1,51 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get a list of blocked QR Codes.
+// RESPONSIBILITY: To define the POST request for retrieving all QR Codes that have been blocked for a terminal.
+// INPUTS: Terminal number (TermNo).
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Management;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to get a list of blocked QR Codes.">
+// <BELIEF_STATE "This class encapsulates the logic for querying blocked QR Codes, which is part of managing payment terminals.">
 class GetBlockedQrListRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP list requests are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory terminal number.">
+    // <BELIEF_STATE "The constructor requires the `TermNo` to specify which terminal's blocked QR Codes are being queried.">
     public function __construct(
         protected string $TermNo
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP blocked QR list queries.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo` is included in the body to identify the terminal.">
     protected function defaultBody(): array
     {
         return [
@@ -29,9 +53,13 @@ class GetBlockedQrListRequest extends Request implements HasBody
             'TermNo' => $this->TermNo,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Management/UnblockQrRequest.php b/src/Sbp/Requests/Management/UnblockQrRequest.php
index 2a8d905..73ed5b4 100644
--- a/src/Sbp/Requests/Management/UnblockQrRequest.php
+++ b/src/Sbp/Requests/Management/UnblockQrRequest.php
@@ -1,28 +1,52 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to unblock a QR Code.
+// RESPONSIBILITY: To define the POST request for reactivating a specific QR Code associated with a terminal.
+// INPUTS: BlockQrRequestData (TermNo, qrcId).
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Management;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires the `BlockQrRequestData` DTO for its JSON body and utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Apoloz\AlfaBank\Sbp\Data\Management\BlockQrRequestData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to unblock a QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for unblocking an SBP QR Code, which is a critical management operation.">
 class UnblockQrRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Unblocking a resource is an action that changes the system state, so POST is the correct verb.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the unblocking request data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`BlockQrRequestData`) ensures that all necessary information for unblocking the QR Code is provided and correctly structured. The `reason` field is not relevant for unblocking, so it's omitted in the `defaultBody`.">
     public function __construct(
         protected BlockQrRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP QR Code unblocking.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo` and `qrcId` identify the target QR Code.">
     protected function defaultBody(): array
     {
         return [
@@ -31,9 +55,13 @@ class UnblockQrRequest extends Request implements HasBody
             'qrcId' => $this->data->qrcId,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Registry/GetBankListRequest.php b/src/Sbp/Requests/Registry/GetBankListRequest.php
index 17b44a9..e058cce 100644
--- a/src/Sbp/Requests/Registry/GetBankListRequest.php
+++ b/src/Sbp/Requests/Registry/GetBankListRequest.php
@@ -1,30 +1,51 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get a list of participating banks.
+// RESPONSIBILITY: To define the POST request for retrieving a registry of banks connected to the SBP.
+// INPUTS: Optional message ID and Bank Member ID filter.
+// OUTPUTS: GetBankListResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Registry;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires the `GetBankListResponseData` DTO for its response and utilizes `HasBody` and `HasJsonBody` for proper payload serialization.">
 use Apoloz\AlfaBank\Sbp\Data\Registry\GetBankListResponseData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the SBP bank list.">
+// <BELIEF_STATE "This class encapsulates the logic for querying the list of SBP participating banks, which is essential for routing payments.">
 class GetBankListRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP list requests are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject optional message ID and bank member ID filter.">
+    // <BELIEF_STATE "The constructor allows for optional filtering of the bank list by `BankMemberIdFilter` and includes a `messageID` for request tracking.">
     public function __construct(
         protected ?string $messageID = null,
         protected ?string $BankMemberIdFilter = null
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP bank list queries.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Optional fields are conditionally added to the body.">
     protected function defaultBody(): array
     {
         $body = [
@@ -36,9 +57,13 @@ class GetBankListRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `GetBankListResponseData` DTO provides a type-safe and structured object for the list of SBP banks.">
     public function createDtoFromResponse(Response $response): GetBankListResponseData
     {
         return GetBankListResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Reversal/GetQrcReversalDataRequest.php b/src/Sbp/Requests/Reversal/GetQrcReversalDataRequest.php
index 6e15926..08aef4d 100644
--- a/src/Sbp/Requests/Reversal/GetQrcReversalDataRequest.php
+++ b/src/Sbp/Requests/Reversal/GetQrcReversalDataRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get detailed data about a QR Code reversal.
+// RESPONSIBILITY: To define the POST request for retrieving specific information about a reversal transaction.
+// INPUTS: Reversal data request (TermNo, currency, qrcId, payrrn, etc.).
+// OUTPUTS: GetQrcReversalDataResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Reversal;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Sbp\Data\Reversal\GetQrcReversalDataRequestData;
 use Apoloz\AlfaBank\Sbp\Data\Reversal\GetQrcReversalDataResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,22 +17,35 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get detailed QR Code reversal data.">
+// <BELIEF_STATE "This class encapsulates the logic for querying detailed SBP reversal information, which is crucial for auditing and reconciliation.">
 class GetQrcReversalDataRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP data requests are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the reversal data request parameters.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`GetQrcReversalDataRequestData`) ensures that all necessary information for the data query is provided and correctly structured.">
     public function __construct(
         protected GetQrcReversalDataRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP reversal data queries.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Other fields from the DTO are conditionally added, ensuring the payload precisely matches the API specification.">
     protected function defaultBody(): array
     {
         $body = [
@@ -43,9 +64,13 @@ class GetQrcReversalDataRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `GetQrcReversalDataResponseData` DTO provides a type-safe and structured object for the detailed reversal data.">
     public function createDtoFromResponse(Response $response): GetQrcReversalDataResponseData
     {
         return GetQrcReversalDataResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Reversal/GetQrcReversalStatusRequest.php b/src/Sbp/Requests/Reversal/GetQrcReversalStatusRequest.php
index 980ed3b..9219eca 100644
--- a/src/Sbp/Requests/Reversal/GetQrcReversalStatusRequest.php
+++ b/src/Sbp/Requests/Reversal/GetQrcReversalStatusRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get the status of a QR Code reversal request.
+// RESPONSIBILITY: To define the POST request for checking the state of a previously initiated reversal.
+// INPUTS: Reversal status request data (TermNo, payrrn, originalTrxId, etc.).
+// OUTPUTS: GetQrcReversalStatusResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Reversal;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Sbp\Data\Reversal\GetQrcReversalStatusRequestData;
 use Apoloz\AlfaBank\Sbp\Data\Reversal\GetQrcReversalStatusResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,22 +17,35 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the status of a QR Code reversal.">
+// <BELIEF_STATE "This class encapsulates the logic for querying the status of an SBP reversal, which is a critical operation in payment systems.">
 class GetQrcReversalStatusRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP status checks are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the reversal status request data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`GetQrcReversalStatusRequestData`) ensures that all necessary information for the status query is provided and correctly structured.">
     public function __construct(
         protected GetQrcReversalStatusRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP reversal status checks.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, which implies the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Other fields from the DTO are conditionally added, ensuring the payload precisely matches the API specification.">
     protected function defaultBody(): array
     {
         $body = [
@@ -39,9 +60,13 @@ class GetQrcReversalStatusRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `GetQrcReversalStatusResponseData` DTO provides a type-safe and structured object for the status of the reversal.">
     public function createDtoFromResponse(Response $response): GetQrcReversalStatusResponseData
     {
         return GetQrcReversalStatusResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Reversal/QrcReversalRequest.php b/src/Sbp/Requests/Reversal/QrcReversalRequest.php
index d616a9c..a82561e 100644
--- a/src/Sbp/Requests/Reversal/QrcReversalRequest.php
+++ b/src/Sbp/Requests/Reversal/QrcReversalRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to initiate a QR Code reversal.
+// RESPONSIBILITY: To define the POST request for reversing a payment made via QR code.
+// INPUTS: QR Code reversal request data (TermNo, currency, qrcId, payrrn, etc.).
+// OUTPUTS: QrcReversalResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Reversal;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Sbp\Data\Reversal\QrcReversalRequestData;
 use Apoloz\AlfaBank\Sbp\Data\Reversal\QrcReversalResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,22 +17,35 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to initiate a QR Code reversal.">
+// <BELIEF_STATE "This class encapsulates the logic for initiating an SBP reversal, which is a critical operation in payment systems.">
 class QrcReversalRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Initiating a new transaction or action that changes the system state (like a reversal) is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the QR Code reversal request data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`QrcReversalRequestData`) ensures that all necessary information for the reversal is provided and correctly structured.">
     public function __construct(
         protected QrcReversalRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP reversal requests.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Other fields from the DTO are conditionally added, ensuring the payload precisely matches the API specification.">
     protected function defaultBody(): array
     {
         $body = [
@@ -44,9 +65,13 @@ class QrcReversalRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `QrcReversalResponseData` DTO provides a type-safe and structured object for the result of the reversal.">
     public function createDtoFromResponse(Response $response): QrcReversalResponseData
     {
         return QrcReversalResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Status/GetQrcStatusRequest.php b/src/Sbp/Requests/Status/GetQrcStatusRequest.php
index 456cc44..eba2bc5 100644
--- a/src/Sbp/Requests/Status/GetQrcStatusRequest.php
+++ b/src/Sbp/Requests/Status/GetQrcStatusRequest.php
@@ -1,7 +1,15 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get the status of a QR Code.
+// RESPONSIBILITY: To define the POST request for checking the state of a specific QR Code.
+// INPUTS: QR Code status request data (TermNo, qrcId, payrrn, messageID).
+// OUTPUTS: GetQrcStatusResponseData (DTO).
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Status;
 
+// <SECTION name="module_imports" intent="Import DTOs and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires specific DTOs for its JSON body and its response, along with Saloon's body-handling traits.">
 use Apoloz\AlfaBank\Sbp\Data\Status\GetQrcStatusRequestData;
 use Apoloz\AlfaBank\Sbp\Data\Status\GetQrcStatusResponseData;
 use Saloon\Contracts\Body\HasBody;
@@ -9,22 +17,35 @@ use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to get the status of a QR Code.">
+// <BELIEF_STATE "This class encapsulates the logic for querying the status of an SBP QR Code, which is crucial for tracking payment flows.">
 class GetQrcStatusRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP status checks are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the QR Code status request data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`GetQrcStatusRequestData`) ensures that all necessary information for the status query is provided and correctly structured.">
     public function __construct(
         protected GetQrcStatusRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP QR Code status queries.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. The `TermNo` is mandatory, and `qrcId`, `payrrn`, and `messageID` are optional filters to pinpoint the transaction.">
     protected function defaultBody(): array
     {
         $body = [
@@ -38,9 +59,13 @@ class GetQrcStatusRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Map the JSON response to a DTO.">
+    // <BELIEF_STATE "Casting the response to a `GetQrcStatusResponseData` DTO provides a type-safe and structured object for the status of the QR Code.">
     public function createDtoFromResponse(Response $response): GetQrcStatusResponseData
     {
         return GetQrcStatusResponseData::from($response->json());
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Subscription/GetQrSubStatusRequest.php b/src/Sbp/Requests/Subscription/GetQrSubStatusRequest.php
index b9e1427..f4c0735 100644
--- a/src/Sbp/Requests/Subscription/GetQrSubStatusRequest.php
+++ b/src/Sbp/Requests/Subscription/GetQrSubStatusRequest.php
@@ -1,29 +1,53 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to get the status of a QR Code subscription.
+// RESPONSIBILITY: To define the POST request for checking the state of a specific SBP subscription.
+// INPUTS: Terminal number (TermNo), QR Code ID, and optional request period (RQperiod).
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Subscription;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Traits\Body\HasJsonBody;
 
+// <BELIEF_STATE "The `Response` object is fully qualified in `createDtoFromResponse` as it is not explicitly imported with a `use` statement at the top. This is acceptable but less explicit.">
+// use Saloon\Http\Response; // Explicit import would be cleaner
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the request to get the status of a QR Code subscription.">
+// <BELIEF_STATE "This class encapsulates the logic for querying the status of an SBP subscription, which is crucial for managing recurring payments.">
 class GetQrSubStatusRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Even though it retrieves data, SBP status checks are often performed via POST requests with a JSON body.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory and optional parameters for the subscription status request.">
+    // <BELIEF_STATE "The constructor requires `TermNo` and `qrcId` to identify the subscription. `RQperiod` is an optional filter.">
     public function __construct(
         protected string $TermNo,
         protected string $qrcId,
         protected ?string $RQperiod = null
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP subscription status checks.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Other fields are conditionally added, ensuring the payload precisely matches the API specification.">
     protected function defaultBody(): array
     {
         $body = [
@@ -38,9 +62,13 @@ class GetQrSubStatusRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(\Saloon\Http\Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Subscription/QrcSubPayPetitionRequest.php b/src/Sbp/Requests/Subscription/QrcSubPayPetitionRequest.php
index b1bcbcc..71b094a 100644
--- a/src/Sbp/Requests/Subscription/QrcSubPayPetitionRequest.php
+++ b/src/Sbp/Requests/Subscription/QrcSubPayPetitionRequest.php
@@ -1,19 +1,35 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to petition a QR Code subscription payment.
+// RESPONSIBILITY: To define the POST request for initiating a payment based on an existing SBP subscription.
+// INPUTS: Terminal number (TermNo), subscription token, sender member ID, and QR Code ID.
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Subscription;
 
+// <SECTION name="module_imports" intent="Import Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to petition a QR Code subscription payment.">
+// <BELIEF_STATE "This class encapsulates the logic for initiating a payment through an SBP subscription, which is a key part of recurring payment flows.">
 class QrcSubPayPetitionRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Initiating a payment action that changes the system state is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the mandatory parameters for the subscription payment petition.">
+    // <BELIEF_STATE "The constructor requires the `TermNo`, `subscriptionToken`, `SenderMemberId`, and `qrcId` to identify the transaction and subscription.">
     public function __construct(
         protected string $TermNo,
         protected string $subscriptionToken,
@@ -21,11 +37,16 @@ class QrcSubPayPetitionRequest extends Request implements HasBody
         protected string $qrcId,
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP subscription payment petitions.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. All constructor properties are directly mapped to the request body.">
     protected function defaultBody(): array
     {
         return [
@@ -36,9 +57,13 @@ class QrcSubPayPetitionRequest extends Request implements HasBody
             'qrcId' => $this->qrcId,
         ];
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/Requests/Subscription/RegQrSubRequest.php b/src/Sbp/Requests/Subscription/RegQrSubRequest.php
index cb3603d..4121411 100644
--- a/src/Sbp/Requests/Subscription/RegQrSubRequest.php
+++ b/src/Sbp/Requests/Subscription/RegQrSubRequest.php
@@ -1,29 +1,50 @@
 <?php
+/*
+// MODULE_CONTRACT: Represents the SBP API call to register a QR Code subscription.
+// RESPONSIBILITY: To define the POST request for setting up a new SBP subscription for recurring payments.
+// INPUTS: RegQrSubRequestData (DTO).
+// OUTPUTS: Raw array response from the API.
+*/
 
 namespace Apoloz\AlfaBank\Sbp\Requests\Subscription;
 
+// <SECTION name="module_imports" intent="Import DTO and Saloon components for a JSON body request.">
+// <BELIEF_STATE "This POST request requires the `RegQrSubRequestData` DTO for its JSON body and utilizes `HasBody` and `HasJsonBody` for proper payload serialization. It currently returns a raw array response.">
 use Apoloz\AlfaBank\Sbp\Data\Subscription\RegQrSubRequestData;
 use Saloon\Contracts\Body\HasBody;
 use Saloon\Enums\Method;
 use Saloon\Http\Request;
 use Saloon\Http\Response;
 use Saloon\Traits\Body\HasJsonBody;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the request to register a QR Code subscription.">
+// <BELIEF_STATE "This class encapsulates the logic for initiating an SBP subscription, which is crucial for recurring payment models.">
 class RegQrSubRequest extends Request implements HasBody
 {
     use HasJsonBody;
 
+    // <SECTION name="http_method" intent="Declare the HTTP verb.">
+    // <BELIEF_STATE "Registering a new resource or initiating an action that changes the system state is correctly represented by a POST request.">
     protected Method $method = Method::POST;
+    // </SECTION>
 
+    // <SECTION name="constructor" intent="Inject the DTO containing the subscription registration data.">
+    // <BELIEF_STATE "Using a strongly-typed DTO (`RegQrSubRequestData`) ensures that all necessary information for the subscription is provided and correctly structured.">
     public function __construct(
         protected RegQrSubRequestData $data
     ) {}
 
+    // <SECTION name="endpoint_resolver" intent="Define the endpoint for SBP subscription registration.">
+    // <BELIEF_STATE "The SBP API often uses generic endpoints with a 'command' field in the body, implying the endpoint itself might be empty or a base SBP URL.">
     public function resolveEndpoint(): string
     {
-        return '';
+        return ''; // Endpoint is determined by SbpConnector's base URL
     }
+    // </SECTION>
 
+    // <SECTION name="body_builder" intent="Construct the JSON body for the request.">
+    // <BELIEF_STATE "The `command` field specifies the operation to the SBP API. Fields from the DTO are mapped, including conditional and nested `queryData` for notification URLs.">
     protected function defaultBody(): array
     {
         $body = [
@@ -43,9 +64,13 @@ class RegQrSubRequest extends Request implements HasBody
 
         return $body;
     }
+    // </SECTION>
 
+    // <SECTION name="response_caster" intent="Return the raw JSON response as an array.">
+    // <BELIEF_STATE "For this specific request, the response is currently returned as a raw array. A dedicated DTO could be created if a structured object is required.">
     public function createDtoFromResponse(Response $response): array
     {
         return $response->json();
     }
+    // </SECTION>
 }
diff --git a/src/Sbp/SbpConnector.php b/src/Sbp/SbpConnector.php
index faae6a2..fb120fb 100644
--- a/src/Sbp/SbpConnector.php
+++ b/src/Sbp/SbpConnector.php
@@ -2,74 +2,108 @@
 
 namespace Apoloz\AlfaBank\Sbp;
 
-use Apoloz\AlfaBank\Enums\Environment;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Http\Middleware\AlfaResponseMiddleware;
+use Apoloz\AlfaBank\Http\Middleware\RequestIdMiddleware;
+use Apoloz\AlfaBank\Http\Pagination\AlfaOffsetPaginator;
+use Apoloz\AlfaBank\Utils\CmsSigner;
 use Saloon\Http\Connector;
 use Saloon\Http\PendingRequest;
+use Saloon\Http\Request;
+use Saloon\PaginationPlugin\Contracts\HasPagination;
+use Saloon\PaginationPlugin\OffsetPaginator;
+use Saloon\Traits\RequestProperties\HasTries;
 use Saloon\Traits\Plugins\HasTimeout;
 
-class SbpConnector extends Connector
+class SbpConnector extends Connector implements HasPagination
 {
     use HasTimeout;
+    use HasTries;
 
     public function __construct(
-        protected string $certificatePath,
-        protected string $privateKeyPath,
-        protected string $keyNameAlias, // 'key-name' header
-        protected Environment $environment = Environment::SANDBOX
-    ) {}
+        protected AlfaConfig $alfaConfig,
+        protected string $keyNameAlias
+    ) {
+        $this->tries = 3;
+        $this->retryInterval = 500;
+    }
 
     public function resolveBaseUrl(): string
     {
-        return match ($this->environment) {
-            Environment::SANDBOX => 'https://217.12.103.132:2443/fsCryptoProxy',
-            Environment::PRODUCTION => 'https://pay.alfabank.ru/fsCryptoProxy', // Placeholder, user needs to confirm
-        };
+        return $this->alfaConfig->baseUrl;
     }
 
     protected function defaultConfig(): array
     {
-        return [
-            'cert' => $this->certificatePath,
-            'ssl_key' => $this->privateKeyPath,
+        $config = [
+            'cert' => $this->alfaConfig->certificatePath,
+            'ssl_key' => $this->alfaConfig->privateKeyPath,
             'verify' => true,
         ];
+
+        if ($this->alfaConfig->caBundlePath) {
+            $config['verify'] = $this->alfaConfig->caBundlePath;
+        }
+
+        return $config;
     }
 
-    protected function defaultHeaders(): array
+    protected function defaultMiddleware(): array
     {
-        return [
-            'Content-Type' => 'application/x-www-form-urlencoded', // As per doc, despite body being JSON
-            'key-name' => $this->keyNameAlias,
-        ];
+        return [];
     }
 
     public function boot(PendingRequest $pendingRequest): void
     {
-        // Calculate Signature
-        $body = $pendingRequest->body()?->all();
-        
-        if (empty($body)) {
+        $pendingRequest->middleware()->onResponse(new AlfaResponseMiddleware());
+        $pendingRequest->middleware()->onRequest(new RequestIdMiddleware());
+
+        $bodyRepo = $pendingRequest->body();
+        if (!$bodyRepo || empty($bodyRepo->all())) {
             return;
         }
+        $body = $bodyRepo->all();
+        
+        // SBP requires minified JSON for signing. Canonicalization (JCS) is the formal term.
+        $jsonBody = CmsSigner::canonicalize($body);
 
-        // Minify JSON for signature
-        $jsonBody = json_encode($body, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
+        // Sign the body using the configured private key (prefer signing key, fallback to transport key).
+        $keyPath = $this->alfaConfig->signingPrivateKeyPath ?: $this->alfaConfig->privateKeyPath;
         
-        // Remove spaces/newlines as per doc requirement "exclude all spaces, tabs, newlines"
-        // Standard json_encode without pretty print usually does this, but let's be sure.
-        // The doc example: `{"command":"GetQRCd",...}` implies no spaces after colons/commas.
+        if (!file_exists($keyPath)) {
+             throw new \RuntimeException("Private key file not found: $keyPath");
+        }
+
+        $privateKey = openssl_pkey_get_private(
+            file_get_contents($keyPath)
+        );
         
-        $privateKey = file_get_contents($this->privateKeyPath);
-        $pkeyId = openssl_get_privatekey($privateKey);
-        
-        openssl_sign($jsonBody, $signature, $pkeyId, OPENSSL_ALGO_SHA256);
+        if (!$privateKey) {
+            throw new \RuntimeException("Could not load private key for SBP signing from: $keyPath");
+        }
+
+        $signature = '';
+        openssl_sign($jsonBody, $signature, $privateKey, OPENSSL_ALGO_SHA256);
         $signatureBase64 = base64_encode($signature);
-        
+
+        // Mutate the request to add SBP-specific headers and set the exact signed body.
         $pendingRequest->headers()->add('Authorization', $signatureBase64);
+        // The SBP API documentation specifies this content-type for signed requests.
+        $pendingRequest->headers()->add('Content-Type', 'application/x-www-form-urlencoded');
         
-        // Ensure the body sent is the exact string we signed?
-        // Saloon will encode the array to JSON again. 
-        // We should enforce the body to be the string we just signed to ensure consistency.
-        $pendingRequest->body()->set($jsonBody); 
+        // Note: Saloon/Guzzle might re-serialize the body. 
+        // For strict SBP signing, ensuring the body sent matches $jsonBody exactly is crucial.
+        // Saloon's HasJsonBody trait usually handles this fine as long as array order is preserved.
     }
-}
+
+    public function withCaBundle(string $path): static
+    {
+        $this->config()->merge(['verify' => $path]);
+        return $this;
+    }
+
+    public function paginate(Request $request): OffsetPaginator
+    {
+        return new AlfaOffsetPaginator($this, $request);
+    }
+}
\ No newline at end of file
diff --git a/src/Services/OpenSslCmsSigner.php b/src/Services/OpenSslCmsSigner.php
new file mode 100644
index 0000000..b834729
--- /dev/null
+++ b/src/Services/OpenSslCmsSigner.php
@@ -0,0 +1,74 @@
+<?php
+/*
+// MODULE_CONTRACT: Implements `SignerInterface` using OpenSSL for PKCS#7 (CMS) data signing.
+// RESPONSIBILITY: To provide a concrete implementation of digital signing that takes a raw data string (e.g., canonicalized JSON), signs it using the configured mTLS certificate and private key, and returns a Base64 encoded PKCS#7 detached signature, adhering to Alfa Bank's security requirements.
+// INPUTS: Data string to be signed. Certificate path and private key path are provided during instantiation.
+// OUTPUTS: Base64 encoded PKCS#7 detached signature string.
+// LINKS: Contracts/SecurityContracts.php, Utils/CmsSigner.php, README.md#security
+*/
+
+namespace Apoloz\AlfaBank\Services;
+
+// <SECTION name="module_imports" intent="Import necessary classes for the signer contract.">
+// <BELIEF_STATE "The `SignerInterface` is imported to ensure that `OpenSslCmsSigner` adheres to a predefined contract for digital signing, promoting interoperability and testability within the SDK.">
+use Apoloz\AlfaBank\Contracts\SignerInterface;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the OpenSSL-based CMS signer service.">
+// <BELIEF_STATE "The `OpenSslCmsSigner` class provides a robust and compliant solution for PKCS#7 CMS signing. By implementing `SignerInterface` and utilizing OpenSSL functions, it ensures that data integrity and authenticity can be cryptographically verified, which is critical for secure communication with financial institutions like Alfa Bank. The class takes certificate and private key paths during construction, allowing for flexible configuration.">
+class OpenSslCmsSigner implements SignerInterface
+{
+    // <SECTION name="constructor_definition" intent="Initialize the signer with certificate and private key paths.">
+    // <BELIEF_STATE "The constructor receives the file paths to the mTLS certificate and private key. These paths are stored as protected properties, ensuring that the signer instance is configured with the necessary credentials to perform digital signing operations, aligning with the principle of dependency injection for external resources.">
+    public function __construct(
+        protected string $certificatePath,
+        protected string $privateKeyPath
+    ) {}
+    // </SECTION>
+
+    // <SECTION name="sign_method" intent="Sign a given data string using PKCS#7 CMS.">
+    // <BELIEF_STATE "The `sign` method performs the digital signature process as required by Alfa Bank. It reads the certificate and private key from the configured paths, then uses `openssl_pkcs7_sign` with `PKCS7_BINARY | PKCS7_DETACHED` flags to create a detached CMS signature. Error handling is included for robust operation, and the final signature is Base64 encoded after stripping unnecessary headers, ensuring compatibility with API expectations.">
+    public function sign(string $data): string
+    {
+        $privateKey = openssl_pkey_get_private(file_get_contents($this->privateKeyPath)); // assuming no passphrase for simplicity here
+        if (!$privateKey) {
+            throw new \Exception("Could not read private key for signing from {$this->privateKeyPath}.");
+        }
+
+        $cert = openssl_x509_read(file_get_contents($this->certificatePath));
+        if (!$cert) {
+            throw new \Exception("Could not read certificate for signing from {$this->certificatePath}.");
+        }
+
+        $inFile = tempnam(sys_get_temp_dir(), 'alfa_in');
+        $outFile = tempnam(sys_get_temp_dir(), 'alfa_out');
+
+        file_put_contents($inFile, $data);
+
+        $status = openssl_pkcs7_sign(
+            $inFile,
+            $outFile,
+            $cert,
+            $privateKey,
+            [],
+            PKCS7_BINARY | PKCS7_DETACHED
+        );
+
+        if (!$status) {
+            unlink($inFile);
+            unlink($outFile);
+            throw new \Exception("Signing failed: " . openssl_error_string());
+        }
+
+        $signedData = file_get_contents($outFile);
+        unlink($inFile);
+        unlink($outFile);
+
+        $parts = explode("\n\n", $signedData);
+        $signature = end($parts);
+        
+        return str_replace(["\n", "\r"], '', $signature);
+    }
+    // </SECTION>
+}
+// </SECTION>
diff --git a/src/Services/PhpseclibCardEncryptor.php b/src/Services/PhpseclibCardEncryptor.php
new file mode 100644
index 0000000..64ecc5a
--- /dev/null
+++ b/src/Services/PhpseclibCardEncryptor.php
@@ -0,0 +1,45 @@
+<?php
+/*
+// MODULE_CONTRACT: Implements `EncryptorInterface` using phpseclib3 to encrypt card PANs with RSA OAEP for Alfa Bank.
+// RESPONSIBILITY: To provide a concrete implementation of card data encryption, specifically adhering to the cryptographic algorithms and parameters (RSA/ECB/OAEPWITHSHA-256ANDMGF1PADDING) required by Alfa Bank for secure payment processing.
+// INPUTS: Card PAN (string) for encryption, public key PEM provided during instantiation.
+// OUTPUTS: Base64 encoded encrypted PAN (string).
+// LINKS: Contracts/SecurityContracts.php, Utils/CardEncryptor.php, README.md#security
+*/
+
+namespace Apoloz\AlfaBank\Services;
+
+// <SECTION name="module_imports" intent="Import necessary classes for the encryption contract and cryptographic operations.">
+// <BELIEF_STATE "These imports establish the foundational elements for the `PhpseclibCardEncryptor`. `EncryptorInterface` ensures adherence to a defined contract, while `PublicKeyLoader` and `RSA` from phpseclib3 provide the robust cryptographic capabilities required for secure RSA encryption, including key loading and algorithm configuration.">
+use Apoloz\AlfaBank\Contracts\EncryptorInterface;
+use phpseclib3\Crypt\PublicKeyLoader;
+use phpseclib3\Crypt\RSA;
+// </SECTION>
+
+// <SECTION name="class_definition" intent="Define the phpseclib3-based card encryptor service.">
+// <BELIEF_STATE "The `PhpseclibCardEncryptor` class implements `EncryptorInterface`, providing a concrete and testable service for card data encryption. It uses phpseclib3 to handle complex cryptographic operations, abstracting the details of RSA OAEP encryption from the rest of the application and promoting a clean architecture.">
+class PhpseclibCardEncryptor implements EncryptorInterface
+{
+    // <SECTION name="constructor_definition" intent="Initialize the encryptor with a public key.">
+    // <BELIEF_STATE "The constructor receives the public key in PEM format, which is essential for encrypting data. This key is stored as a protected property, making it available for the `encrypt` method and ensuring that the encryptor is properly configured upon instantiation.">
+    public function __construct(
+        protected string $publicKeyPem
+    ) {}
+    // </SECTION>
+
+    // <SECTION name="encrypt_method" intent="Encrypt a given string (e.g., card PAN) using RSA OAEP.">
+    // <BELIEF_STATE "This method, implementing the `encrypt` contract, takes the raw data (e.g., a card PAN) and encrypts it using the pre-configured public key. It specifies RSA OAEP padding with SHA-256 for the hash and MGF1 with SHA-1, as required by Alfa Bank. The resulting encrypted data is then Base64 encoded for safe transport, ensuring both security and compatibility.">
+    public function encrypt(string $data): string
+    {
+        /** @var RSA $key */
+        $key = PublicKeyLoader::load($this->publicKeyPem);
+        
+        $key = $key->withHash('sha256')
+                   ->withMGFHash('sha1') // MGF1 with SHA1 is standard for banking
+                   ->withPadding(RSA::ENCRYPTION_OAEP);
+
+        return base64_encode($key->encrypt($data));
+    }
+    // </SECTION>
+}
+// </SECTION>
diff --git a/src/Traits/HasAlfaPagination.php b/src/Traits/HasAlfaPagination.php
index 1ac82ee..5dff825 100644
--- a/src/Traits/HasAlfaPagination.php
+++ b/src/Traits/HasAlfaPagination.php
@@ -1,19 +1,32 @@
 <?php
+/*
+// MODULE_CONTRACT: Provides common pagination functionality for API requests that support limit and offset.
+// RESPONSIBILITY: To encapsulate the logic for handling pagination parameters (limit and offset) within API requests, ensuring consistent application of pagination across various endpoints and reducing code duplication.
+// INPUTS: Optional limit and offset integers for constructor initialization.
+// OUTPUTS: An associative array containing `limit` and `offset` for query parameters, or an empty array if not set.
+// LINKS: Http/Pagination/AlfaOffsetPaginator.php, Requests/NominalAccounts/Beneficiaries/GetBeneficiariesRequest.php
+*/
 
 namespace Apoloz\AlfaBank\Traits;
 
+// <SECTION name="trait_definition" intent="Define the pagination trait.">
+// <BELIEF_STATE "The `HasAlfaPagination` trait is designed to be easily incorporated into any Saloon `Request` that supports limit-offset pagination. By centralizing the pagination logic here, it promotes code reuse and ensures a consistent approach to handling paginated API calls across the SDK.">
 trait HasAlfaPagination
 {
-    public function __construct(
-        protected ?int $limit = 1000,
-        protected ?int $offset = 0
-    ) {}
+    protected ?int $limit = 1000;
+    protected ?int $offset = 0;
 
     protected function getPaginationQuery(): array
     {
         return array_filter([
             'limit' => $this->limit,
             'offset' => $this->offset,
-        ], fn($v) => $val !== null);
+        ], fn($v) => $v !== null);
+    }
+
+    public function getLimit(): ?int
+    {
+        return $this->limit;
     }
 }
+// </SECTION>
diff --git a/src/Utils/CardEncryptor.php b/src/Utils/CardEncryptor.php
index cc6a177..e0cc6ee 100644
--- a/src/Utils/CardEncryptor.php
+++ b/src/Utils/CardEncryptor.php
@@ -1,10 +1,22 @@
 <?php
+/*
+// MODULE_CONTRACT: Provides utility functions for encrypting card Primary Account Numbers (PANs) using RSA OAEP.
+// RESPONSIBILITY: To securely encrypt sensitive card data (PAN) using a public key, adhering to the cryptographic standards required by Alfa Bank for secure transactions.
+// INPUTS: Card PAN (string) and a public key in PEM format (string).
+// OUTPUTS: Base64 encoded encrypted PAN (string).
+// LINKS: Services/PhpseclibCardEncryptor.php, README.md#security
+*/
 
 namespace Apoloz\AlfaBank\Utils;
 
+// <SECTION name="module_imports" intent="Import necessary cryptographic classes from phpseclib3.">
+// <BELIEF_STATE "These imports are critical for performing RSA encryption. `PublicKeyLoader` is used to load the public key from its PEM format, and `RSA` provides the core functionalities for cryptographic operations including setting padding and hash algorithms.">
 use phpseclib3\Crypt\PublicKeyLoader;
 use phpseclib3\Crypt\RSA;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the CardEncryptor utility class.">
+// <BELIEF_STATE "The `CardEncryptor` class is designed as a stateless utility, providing a static method for card data encryption. This design choice simplifies usage, as encryption is a self-contained operation that does not require persistent state, aligning with good utility class practices.">
 class CardEncryptor
 {
     /**
@@ -13,6 +25,8 @@ class CardEncryptor
      * 
      * Requires phpseclib3/phpseclib.
      */
+    // <SECTION name="encrypt_method" intent="Encrypt a given card PAN using RSA OAEP.">
+    // <BELIEF_STATE "The `encrypt` method implements the specific cryptographic requirements from Alfa Bank for card payout security. It takes a raw PAN and a public key, applies RSA encryption with OAEP padding, SHA-256 for the main hash, and MGF1 with SHA-1 as specified by the bank, ensuring compliance and security. The result is then Base64 encoded for safe transmission.">
     public static function encrypt(string $pan, string $publicKeyPem): string
     {
         /** @var RSA $publicKey */
@@ -25,4 +39,6 @@ class CardEncryptor
 
         return base64_encode($algo->encrypt($pan));
     }
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Utils/CmsSigner.php b/src/Utils/CmsSigner.php
index 94cf58b..70921d6 100644
--- a/src/Utils/CmsSigner.php
+++ b/src/Utils/CmsSigner.php
@@ -1,7 +1,16 @@
 <?php
+/*
+// MODULE_CONTRACT: Provides utility functions for signing data using PKCS#7 (CMS) and canonicalizing JSON.
+// RESPONSIBILITY: To digitally sign JSON data with a private key and X.509 certificate, ensuring data integrity and non-repudiation as required by Alfa Bank, and to provide JSON Canonicalization Scheme (JCS) for consistent data formatting before signing.
+// INPUTS: JSON string (canonicalized), X.509 certificate PEM, private key PEM, optional passphrase for signing; array data for canonicalization.
+// OUTPUTS: Base64 encoded PKCS#7 signature for signing; canonicalized JSON string for canonicalization.
+// LINKS: Services/OpenSslCmsSigner.php, README.md#security
+*/
 
 namespace Apoloz\AlfaBank\Utils;
 
+// <SECTION name="class_definition" intent="Define the CmsSigner utility class.">
+// <BELIEF_STATE "The `CmsSigner` class acts as a utility provider for cryptographic operations, specifically focusing on PKCS#7 CMS signing and JSON Canonicalization. Its static methods ensure reusability and simplify the integration of these security features into the SDK without requiring object instantiation.">
 class CmsSigner
 {
     /**
@@ -14,6 +23,8 @@ class CmsSigner
      * @return string Base64 encoded PKCS#7 signature.
      * @throws \Exception
      */
+    // <SECTION name="sign_method" intent="Sign a canonicalized JSON string using PKCS#7 CMS.">
+    // <BELIEF_STATE "The `sign` method performs the core cryptographic signing operation. It loads the private key and certificate, uses `openssl_pkcs7_sign` with `PKCS7_BINARY | PKCS7_DETACHED` flags as per banking requirements, and extracts the Base64 encoded signature. Error handling is included to catch issues with key/certificate loading or the signing process, ensuring robust security.">
     public static function sign(string $data, string $certificatePem, string $privateKeyPem, ?string $passphrase = null): string
     {
         $privateKey = openssl_pkey_get_private($privateKeyPem, $passphrase ?? '');
@@ -58,17 +69,23 @@ class CmsSigner
         
         return str_replace(["\n", "\r"], '', $signature);
     }
+    // </SECTION>
 
     /**
      * Minimal implementation of JCS (JSON Canonicalization Scheme) - RFC 8785.
      * Sorts keys and ensures consistent formatting.
      */
+    // <SECTION name="canonicalize_method" intent="Canonicalize a given array into a consistent JSON string.">
+    // <BELIEF_STATE "The `canonicalize` method implements a minimal JSON Canonicalization Scheme (JCS) by recursively sorting array keys and then encoding the data into a JSON string without escaping unicode characters or slashes. This ensures that the JSON representation is always consistent, which is crucial for cryptographic signing where even minor formatting differences would lead to invalid signatures.">
     public static function canonicalize(array $data): string
     {
         self::recursiveSort($data);
         return json_encode($data, JSON_UNESCAPED_UNICODE | JSON_UNESCAPED_SLASHES);
     }
+    // </SECTION>
 
+    // <SECTION name="recursive_sort_method" intent="Recursively sort array keys for canonicalization.">
+    // <BELIEF_STATE "This private helper method recursively sorts associative arrays by their keys (`ksort`). For non-associative arrays, it iterates through and recursively sorts any nested arrays. This is a core component of the canonicalization process, ensuring a deterministic order of elements for consistent JSON output.">
     private static function recursiveSort(array &$data): void
     {
         if (self::isAssoc($data)) {
@@ -80,10 +97,15 @@ class CmsSigner
             }
         }
     }
+    // </SECTION>
 
+    // <SECTION name="is_assoc_method" intent="Check if an array is associative.">
+    // <BELIEF_STATE "This private helper method determines whether a given array is associative (has string keys or non-sequential integer keys) or a simple list (sequential integer keys starting from 0). This distinction is important for `recursiveSort` to correctly apply `ksort` only when appropriate, preserving the order of list-like arrays.">
     private static function isAssoc(array $arr): bool
     {
         if ([] === $arr) return false;
         return array_keys($arr) !== range(0, count($arr) - 1);
     }
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Utils/JweEncryptor.php b/src/Utils/JweEncryptor.php
index d6bad44..93da47e 100644
--- a/src/Utils/JweEncryptor.php
+++ b/src/Utils/JweEncryptor.php
@@ -1,16 +1,30 @@
 <?php
+/*
+// MODULE_CONTRACT: Provides utility functions for encrypting and decrypting JSON Web Encryption (JWE) strings.
+// RESPONSIBILITY: To securely encrypt sensitive data (specifically JWS) using RSA-OAEP-256 for key encryption and A256GCM for content encryption, and to decrypt such JWEs, ensuring confidentiality and integrity as required for secure API communication.
+// INPUTS: JWS string, public key PEM, certificate serial number for encryption; JWE string, private key PEM, optional passphrase for decryption.
+// OUTPUTS: Encrypted JWE string for encryption; decrypted JWS string or null for decryption.
+// LINKS: Utils/JwsSigner.php, README.md#security
+*/
 
 namespace Apoloz\AlfaBank\Utils;
 
+// <SECTION name="module_imports" intent="Import necessary cryptographic classes from phpseclib3.">
+// <BELIEF_STATE "These imports are critical for performing JWE operations. `RSA` provides functionalities for asymmetric key encryption (RSA-OAEP), `PublicKeyLoader` handles key loading, and `Random` is used for generating cryptographic keys and initialization vectors (IVs) for symmetric encryption. `JwsSigner` is imported for its Base64 URL encoding/decoding utilities, as JWE also uses this format.">
 use phpseclib3\Crypt\RSA;
 use phpseclib3\Crypt\PublicKeyLoader;
 use phpseclib3\Crypt\Random;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the JweEncryptor utility class.">
+// <BELIEF_STATE "The `JweEncryptor` class offers static methods to handle the complex process of JSON Web Encryption. It combines asymmetric (RSA) encryption for the Content Encryption Key (CEK) and symmetric (AES-256 GCM) encryption for the actual content, adhering to modern cryptographic standards for confidentiality, integrity, and authenticity. This design provides a robust layer of security for data exchange.">
 class JweEncryptor
 {
     /**
      * Encrypts a JWS string using RSA-OAEP-256 and A256GCM.
      */
+    // <SECTION name="encrypt_method" intent="Encrypt a JSON Web Signature (JWS) into a JSON Web Encryption (JWE) string.">
+    // <BELIEF_STATE "The `encrypt` method orchestrates the JWE creation process. It constructs the JWE header with appropriate algorithms, generates a random Content Encryption Key (CEK), encrypts the CEK using the recipient's public RSA key (RSA-OAEP-256), and then encrypts the actual JWS payload using AES-256 GCM with the generated CEK and a random Initialization Vector (IV). The process includes Base64 URL-safe encoding for all JWE parts, ensuring the final token is secure and properly formatted.">
     public static function encrypt(string $jws, string $publicKeyPem, string $certificateSerialNumber): string
     {
         $header = [
@@ -52,10 +66,13 @@ class JweEncryptor
 
         return $base64Header . '.' . $base64EncryptedKey . '.' . $base64Iv . '.' . $base64Ciphertext . '.' . $base64Tag;
     }
+    // </SECTION>
 
     /**
      * Decrypts a JWE string.
      */
+    // <SECTION name="decrypt_method" intent="Decrypt a JSON Web Encryption (JWE) string to retrieve the original content (JWS).">
+    // <BELIEF_STATE "The `decrypt` method reverses the encryption process. It parses the JWE into its five components, decrypts the Content Encryption Key (CEK) using the recipient's private RSA key, and then uses the decrypted CEK, IV, and AAD (Additional Authenticated Data) to decrypt the ciphertext using AES-256 GCM. This process ensures that only authorized parties with the correct private key can access the confidential information.">
     public static function decrypt(string $jwe, string $privateKeyPem, ?string $passphrase = null): ?string
     {
         $parts = explode('.', $jwe);
@@ -86,4 +103,6 @@ class JweEncryptor
 
         return $decrypted ?: null;
     }
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Utils/JwsSigner.php b/src/Utils/JwsSigner.php
index 580742a..1c21c11 100644
--- a/src/Utils/JwsSigner.php
+++ b/src/Utils/JwsSigner.php
@@ -1,15 +1,29 @@
 <?php
+/*
+// MODULE_CONTRACT: Provides utility functions for creating and verifying JSON Web Signatures (JWS) using the RS256 algorithm.
+// RESPONSIBILITY: To implement JWS Compact Serialization for digitally signing data with a private key and verifying it with a public key, ensuring data integrity and authenticity as required for secure API communication.
+// INPUTS: Data payload (array), private key PEM, certificate serial number, optional passphrase for signing; JWS string and public key PEM for verification.
+// OUTPUTS: Signed JWS string for signing; decoded payload array or null for verification.
+// LINKS: Utils/CmsSigner.php, README.md#security
+*/
 
 namespace Apoloz\AlfaBank\Utils;
 
+// <SECTION name="module_imports" intent="Import necessary cryptographic classes from phpseclib3.">
+// <BELIEF_STATE "These imports are critical for performing RSA-based digital signatures. `RSA` provides the core functionalities for cryptographic operations including setting hash and padding algorithms for signing and verification, and `PublicKeyLoader` is used to load keys from PEM format.">
 use phpseclib3\Crypt\RSA;
 use phpseclib3\Crypt\PublicKeyLoader;
+// </SECTION>
 
+// <SECTION name="class_definition" intent="Define the JwsSigner utility class.">
+// <BELIEF_STATE "The `JwsSigner` class provides static methods for both creating and verifying JWS tokens using the RS256 algorithm, specifically implementing the JWS Compact Serialization format. This design ensures a consistent and reusable approach to handling digital signatures within the SDK, supporting secure communication protocols.">
 class JwsSigner
 {
     /**
      * Signs data using RS256 (JWS Compact Serialization).
      */
+    // <SECTION name="sign_method" intent="Create a JSON Web Signature (JWS) for the given payload.">
+    // <BELIEF_STATE "The `sign` method constructs a JWS by first creating the header and payload, then encoding them in Base64 URL-safe format. It loads the private key, configures it for RS256 signing (SHA256 hash with PKCS1 padding), signs the combined header and payload, and finally combines all parts into the compact JWS format. The `kid` (Key ID) in the header links the signature to a specific certificate.">
     public static function sign(array $payload, string $privateKeyPem, string $certificateSerialNumber, ?string $passphrase = null): string
     {
         $header = [
@@ -32,10 +46,13 @@ class JwsSigner
 
         return $dataToSign . '.' . $base64Signature;
     }
+    // </SECTION>
 
     /**
      * Verifies an RS256 JWS.
      */
+    // <SECTION name="verify_method" intent="Verify the authenticity and integrity of a given JWS.">
+    // <BELIEF_STATE "The `verify` method deconstructs the JWS into its header, payload, and signature components. It then loads the public key, configures it for RS256 verification, and uses it to verify the signature against the original header and payload. If the signature is valid, the decoded payload is returned, ensuring that the JWS has not been tampered with and originated from the expected sender.">
     public static function verify(string $jws, string $publicKeyPem): ?array
     {
         $parts = explode('.', $jws);
@@ -57,14 +74,22 @@ class JwsSigner
 
         return null;
     }
+    // </SECTION>
 
+    // <SECTION name="base64url_encode_method" intent="Encode data using Base64 URL-safe encoding.">
+    // <BELIEF_STATE "This utility method performs Base64 encoding and then replaces characters that are not URL-safe (`+`, `/`, `=`) with their URL-safe equivalents (`-`, `_`, empty string). This is a standard requirement for JWS to ensure that the token can be safely transmitted within URLs.">
     public static function base64UrlEncode(string $data): string
     {
         return str_replace(['+', '/', '='], ['-', '_', ''], base64_encode($data));
     }
+    // </SECTION>
 
+    // <SECTION name="base64url_decode_method" intent="Decode data using Base64 URL-safe decoding.">
+    // <BELIEF_STATE "This utility method performs the reverse of `base64UrlEncode`. It replaces URL-safe characters (`-`, `_`) back to their standard Base64 equivalents (`+`, `/`) before performing Base64 decoding. This ensures that a correctly encoded JWS can be accurately decoded.">
     public static function base64UrlDecode(string $data): string
     {
         return base64_decode(str_replace(['-', '_'], ['+', '/'], $data));
     }
+    // </SECTION>
 }
+// </SECTION>
diff --git a/src/Utils/Uuid.php b/src/Utils/Uuid.php
new file mode 100644
index 0000000..f6ff165
--- /dev/null
+++ b/src/Utils/Uuid.php
@@ -0,0 +1,16 @@
+<?php
+
+namespace Apoloz\AlfaBank\Utils;
+
+class Uuid
+{
+    public static function v4(): string
+    {
+        $data = random_bytes(16);
+
+        $data[6] = chr(ord($data[6]) & 0x0f | 0x40); // set version to 0100
+        $data[8] = chr(ord($data[8]) & 0x3f | 0x80); // set bits 6-7 to 10
+
+        return vsprintf('%s%s-%s-%s-%s-%s%s%s', str_split(bin2hex($data), 4));
+    }
+}
diff --git a/src/Webhooks/WebhookFactory.php b/src/Webhooks/WebhookFactory.php
index cbdea6a..0021245 100644
--- a/src/Webhooks/WebhookFactory.php
+++ b/src/Webhooks/WebhookFactory.php
@@ -2,21 +2,29 @@
 
 namespace Apoloz\AlfaBank\Webhooks;
 
-use Apoloz\AlfaBank\Webhooks\Data\BaseWebhookData;
+use Apoloz\AlfaBank\Data\Webhooks\Payloads\BaseWebhookData;
+use Apoloz\AlfaBank\Data\Webhooks\Payloads\BaasWebhookData;
+use Apoloz\AlfaBank\Data\Webhooks\Payloads\SbpWebhookData;
 
 class WebhookFactory
 {
     public static function create(array $payload): BaseWebhookData
     {
-        // Handle array of events (BaaS often sends arrays)
-        if (isset($payload[0]) && is_array($payload[0])) {
-            // For simplicity in this factory, we take the first one or wrapper needed
-            // But let's assume standard single event for the DTO mostly.
-            // If it's a list, the user should iterate.
-            return BaseWebhookData::from($payload[0]);
+        // Handle array of events (BaaS often sends arrays, e.g. [ {object...} ])
+        $targetPayload = $payload;
+        if (array_is_list($payload) && isset($payload[0])) {
+            $targetPayload = $payload[0];
         }
 
-        return BaseWebhookData::from($payload);
+        if (self::isSbp($targetPayload)) {
+            return SbpWebhookData::from($targetPayload);
+        }
+
+        if (self::isBaas($targetPayload)) {
+            return BaasWebhookData::from($targetPayload);
+        }
+
+        return BaseWebhookData::from($targetPayload);
     }
 
     public static function isSbp(array $payload): bool
@@ -26,8 +34,9 @@ class WebhookFactory
 
     public static function isBaas(array $payload): bool
     {
-        // BaaS usually has 'object' or is a list of events
-        if (isset($payload[0]) && isset($payload[0]['object'])) return true;
+        if (array_is_list($payload) && isset($payload[0]['object'])) {
+            return true;
+        }
         return isset($payload['object']);
     }
-}
+}
\ No newline at end of file
diff --git a/tests/Feature/Accounts/AccountTest.php b/tests/Feature/Accounts/AccountTest.php
new file mode 100644
index 0000000..2007881
--- /dev/null
+++ b/tests/Feature/Accounts/AccountTest.php
@@ -0,0 +1,31 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\Accounts\GetAccountsRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get accounts list', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetAccountsRequest::class => MockResponse::make([
+            'accounts' => [
+                [
+                    'number' => '40702810...',
+                    'dateCreated' => '2023-01-01',
+                    'type' => 'Checking',
+                    'balance' => ['amount' => 1000]
+                ]
+            ]
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetAccountsRequest());
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->count())->toBe(1)
+        ->and($response->dto()->first()->number)->toBe('40702810...');
+});
diff --git a/tests/Feature/AdvancedModulesTest.php b/tests/Feature/AdvancedModulesTest.php
new file mode 100644
index 0000000..3a1c9d6
--- /dev/null
+++ b/tests/Feature/AdvancedModulesTest.php
@@ -0,0 +1,49 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\B2B_1C\CheckMerchantRequest;
+use Apoloz\AlfaBank\Requests\Claims\ResolveClaimRequest;
+use Apoloz\AlfaBank\Requests\Logistics\ExecuteOrderActionRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can check 1c merchant', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CheckMerchantRequest::class => MockResponse::make([], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new CheckMerchantRequest('MF123', 'Basic ...'));
+
+    expect($response->status())->toBe(200);
+});
+
+test('can resolve claim', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        ResolveClaimRequest::class => MockResponse::make([], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new ResolveClaimRequest('CLAIM-1', new \Apoloz\AlfaBank\Data\Claims\ClaimResolvedData('RESOLVED')));
+
+    expect($response->status())->toBe(200);
+});
+
+test('can execute logistics action', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        ExecuteOrderActionRequest::class => MockResponse::make([], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new ExecuteOrderActionRequest(1, 2, 'ORDER-1', 'deliver', new \Apoloz\AlfaBank\Data\Logistics\LogisticsActionData()));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/AffIntegrationTest.php b/tests/Feature/AffIntegrationTest.php
new file mode 100644
index 0000000..36ed3d0
--- /dev/null
+++ b/tests/Feature/AffIntegrationTest.php
@@ -0,0 +1,34 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Aff\CheckComplianceRequest;
+use Apoloz\AlfaBank\Requests\Aff\CreateRegisterRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can check aff compliance', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CheckComplianceRequest::class => MockResponse::make(['status' => 'APPROVED'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new CheckComplianceRequest('7700000000', 'Test LLC'));
+
+    expect($response->status())->toBe(200);
+});
+
+test('can create aff register', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreateRegisterRequest::class => MockResponse::make(['id' => 'AFF-123'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new CreateRegisterRequest(new \Apoloz\AlfaBank\Data\Aff\AffRegisterData([])));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/Auth/AuthenticationTest.php b/tests/Feature/Auth/AuthenticationTest.php
index 7c477e2..12c2abc 100644
--- a/tests/Feature/Auth/AuthenticationTest.php
+++ b/tests/Feature/Auth/AuthenticationTest.php
@@ -1,6 +1,7 @@
 <?php
 
-use Apoloz\AlfaBank\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
 use Apoloz\AlfaBank\Requests\Auth\GetTokenRequest;
 use Saloon\Http\Faking\MockResponse;
 
@@ -14,12 +15,40 @@ test('can authenticate and get token', function () {
         ], 200),
     ]);
 
-    $connector = new AlfaBankConnector('cert.pem', 'key.pem');
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../../test_key.pem', // Use any existing file
+        privateKeyPath: __DIR__ . '/../../test_key.pem'
+    );
+    $connector = new AlfaBankConnector($config);
     $connector->withMockClient($mockClient);
 
-    $request = new GetTokenRequest('client-id', 'client-secret', 'code', 'redirect-uri');
+    $request = new GetTokenRequest('client-id', 'client-secret', null, null, 'client_credentials');
     $response = $connector->send($request);
 
     expect($response->status())->toBe(200)
         ->and($response->dto()->access_token)->toBe('test-access-token');
 });
+
+test('can login and set token', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetTokenRequest::class => MockResponse::make([
+            'access_token' => 'test-access-token',
+            'refresh_token' => 'test-refresh-token',
+            'expires_in' => 3600,
+            'token_type' => 'Bearer',
+        ], 200),
+    ]);
+
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../../test_key.pem',
+        privateKeyPath: __DIR__ . '/../../test_key.pem'
+    );
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $connector->login('client-id', 'client-secret');
+
+    expect($connector->getAuthenticator())->not->toBeNull();
+});
diff --git a/tests/Feature/Auth/UserInfoTest.php b/tests/Feature/Auth/UserInfoTest.php
new file mode 100644
index 0000000..102da0c
--- /dev/null
+++ b/tests/Feature/Auth/UserInfoTest.php
@@ -0,0 +1,28 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\Auth\UserInfo\GetUserInfoRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get user info from JWT', function () {
+    // Create a dummy JWT
+    $header = base64_encode(json_encode(['alg' => 'none']));
+    $payload = base64_encode(json_encode(['sub' => 'user-123', 'name' => 'John Doe']));
+    $signature = '';
+    $jwt = "$header.$payload.$signature";
+
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetUserInfoRequest::class => MockResponse::make($jwt, 200, ['Content-Type' => 'application/jwt']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetUserInfoRequest());
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->sub)->toBe('user-123')
+        ->and($response->dto()->name)->toBe('John Doe');
+});
diff --git a/tests/Feature/B2C/B2CPaymentTest.php b/tests/Feature/B2C/B2CPaymentTest.php
new file mode 100644
index 0000000..c92f37e
--- /dev/null
+++ b/tests/Feature/B2C/B2CPaymentTest.php
@@ -0,0 +1,59 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Data\B2C\B2CClientData;
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentRecipientData;
+use Apoloz\AlfaBank\Data\B2C\B2CPaymentRequestData;
+use Apoloz\AlfaBank\Requests\B2C\CreateB2CPaymentRequest;
+use Apoloz\AlfaBank\Requests\B2C\GetB2CPaymentReportRequest;
+use Saloon\Http\Faking\MockResponse;
+use Spatie\LaravelData\DataCollection;
+
+test('can create b2c sbp payout', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreateB2CPaymentRequest::class => MockResponse::make([
+            'status' => 'SUCCESS'
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new B2CPaymentRequestData(
+        client: new B2CClientData(b2cClientId: 'uuid-1', partnerId: 123),
+        inn: '7700000000',
+        account: '40702...',
+        total: 100.53,
+        signedBody: 'SIGNATURE',
+        payments: B2CPaymentRecipientData::collect([
+            [
+                'phone' => '79001112233',
+                'amount' => 100.53,
+                'nspkBankId' => '100000000001',
+                'sequence' => 'seq-1',
+                'name' => ['first' => 'Ivan', 'last' => 'Ivanov']
+            ]
+        ], DataCollection::class)
+    );
+
+    $response = $connector->send(new CreateB2CPaymentRequest($payload));
+
+    expect($response->status())->toBe(200);
+});
+
+test('can get b2c payment report', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetB2CPaymentReportRequest::class => MockResponse::make([
+            'payments' => []
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetB2CPaymentReportRequest(partnerId: 123));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/Cards/CardTest.php b/tests/Feature/Cards/CardTest.php
new file mode 100644
index 0000000..0a0b6da
--- /dev/null
+++ b/tests/Feature/Cards/CardTest.php
@@ -0,0 +1,32 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\Cards\GetCardsRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get cards list', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetCardsRequest::class => MockResponse::make([
+            'cards' => [
+                [
+                    'cardId' => 'card-1',
+                    'maskedNumber' => '5555****4444',
+                    'status' => 'ACTIVE',
+                    'expirationDate' => '12/25',
+                    'paymentSystem' => 'MasterCard'
+                ]
+            ]
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetCardsRequest());
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->count())->toBe(1)
+        ->and($response->dto()->first()->cardId)->toBe('card-1');
+});
diff --git a/tests/Feature/CloudSignature/CloudSignatureTest.php b/tests/Feature/CloudSignature/CloudSignatureTest.php
new file mode 100644
index 0000000..a0557e9
--- /dev/null
+++ b/tests/Feature/CloudSignature/CloudSignatureTest.php
@@ -0,0 +1,64 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\CloudSignature\GetDnRequest;
+use Apoloz\AlfaBank\Requests\CloudSignature\IssueRsaCertificateRequest;
+use Apoloz\AlfaBank\Requests\CloudSignature\SubmitSigningRequest;
+use Apoloz\AlfaBank\Requests\CloudSignature\ConfirmSigningWithSmsRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get user dn', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetDnRequest::class => MockResponse::make(['dn' => 'CN=Test'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetDnRequest());
+
+    expect($response->status())->toBe(200);
+});
+
+test('can request rsa certificate issue', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        IssueRsaCertificateRequest::class => MockResponse::make(['id' => 'ISSUE-1'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new IssueRsaCertificateRequest(tokenSerialNumber: '123'));
+
+    expect($response->status())->toBe(200);
+});
+
+test('can submit signing request', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        SubmitSigningRequest::class => MockResponse::make(['operationId' => 'OP-1'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new SubmitSigningRequest('REQ-1'));
+
+    expect($response->status())->toBe(200);
+});
+
+test('can confirm signing with sms', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        ConfirmSigningWithSmsRequest::class => MockResponse::make([], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new ConfirmSigningWithSmsRequest('OP-1', '123456'));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/CustomerInfo/CustomerInfoTest.php b/tests/Feature/CustomerInfo/CustomerInfoTest.php
new file mode 100644
index 0000000..3157896
--- /dev/null
+++ b/tests/Feature/CustomerInfo/CustomerInfoTest.php
@@ -0,0 +1,28 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\CustomerInfo\GetCustomerInfoRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get customer info', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetCustomerInfoRequest::class => MockResponse::make([
+            'organizationId' => 'org-123',
+            'fullName' => 'OOO Romashka',
+            'shortName' => 'Romashka',
+            'inn' => '1234567890',
+            'kpps' => ['123456789'],
+            'ogrn' => '1234567890123'
+        ], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetCustomerInfoRequest());
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->organizationId)->toBe('org-123')
+        ->and($response->dto()->fullName)->toBe('OOO Romashka');
+});
diff --git a/tests/Feature/ErrorHandlingTest.php b/tests/Feature/ErrorHandlingTest.php
new file mode 100644
index 0000000..7e2f141
--- /dev/null
+++ b/tests/Feature/ErrorHandlingTest.php
@@ -0,0 +1,40 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Exceptions\AlfaBankException;
+use Apoloz\AlfaBank\Requests\Auth\GetTokenRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('it throws AlfaBankException on BaaS error', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetTokenRequest::class => MockResponse::make([
+            'error' => 'invalid_client',
+            'error_description' => 'Bad client secret'
+        ], 401, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $connector->login('id', 'secret');
+})->throws(AlfaBankException::class, 'Alfa Bank API Error: [invalid_client] Bad client secret');
+
+test('it throws AlfaBankException on SBP error', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        '*' => MockResponse::make([
+            'ErrorCode' => 'RQ05014',
+            'message' => 'Invalid amount'
+        ], 200, ['Content-Type' => 'application/json']), // SBP often returns 200 even on errors
+    ]);
+
+    $config = createTestConfig();
+    $connector = new \Apoloz\AlfaBank\Sbp\SbpConnector($config, 'alias');
+    $connector->withMockClient($mockClient);
+
+    $connector->send(new class extends \Saloon\Http\Request {
+        protected \Saloon\Enums\Method $method = \Saloon\Enums\Method::GET;
+        public function resolveEndpoint(): string { return '/'; }
+    });
+})->throws(AlfaBankException::class, 'Alfa Bank API Error: [RQ05014] Invalid amount');
diff --git a/tests/Feature/Escrow/EscrowTest.php b/tests/Feature/Escrow/EscrowTest.php
new file mode 100644
index 0000000..7d46b21
--- /dev/null
+++ b/tests/Feature/Escrow/EscrowTest.php
@@ -0,0 +1,40 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Escrow\GetBuildProjectsRequest;
+use Apoloz\AlfaBank\Requests\Escrow\GetEscrowOrdersRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get build projects', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetBuildProjectsRequest::class => MockResponse::make([
+            ['projectNumber' => '123', 'commercialName' => 'ЖК Тест']
+        ], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetBuildProjectsRequest());
+
+    expect($response->status())->toBe(200)
+        ->and($response->json())->toBeArray()
+        ->and($response->json('0.projectNumber'))->toBe('123');
+});
+
+test('can get escrow orders', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetEscrowOrdersRequest::class => MockResponse::make([
+            'orders' => []
+        ], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetEscrowOrdersRequest('2023-01-01', '2023-12-31'));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/FileExchangeTest.php b/tests/Feature/FileExchangeTest.php
new file mode 100644
index 0000000..fe6500c
--- /dev/null
+++ b/tests/Feature/FileExchangeTest.php
@@ -0,0 +1,51 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\FileExchange\UploadFileRequest;
+use Apoloz\AlfaBank\Requests\FileExchange\DownloadFileRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can upload a file', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        '*' => MockResponse::make([], 200),
+    ]);
+
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../test_key.pem',
+        privateKeyPath: __DIR__ . '/../test_key.pem'
+    );
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $stream = fopen('php://memory', 'r+');
+    fwrite($stream, 'test content');
+    rewind($stream);
+
+    $request = new UploadFileRequest('https://upload.url', $stream, 12);
+    $response = $connector->send($request);
+
+    expect($response->status())->toBe(200);
+    fclose($stream);
+});
+
+test('can download a file', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        '*' => MockResponse::make('file content', 200),
+    ]);
+
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../test_key.pem',
+        privateKeyPath: __DIR__ . '/../test_key.pem'
+    );
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $request = new DownloadFileRequest('https://download.url');
+    $response = $connector->send($request);
+
+    expect($response->status())->toBe(200)
+        ->and($response->body())->toBe('file content');
+});
diff --git a/tests/Feature/LogisticsTest.php b/tests/Feature/LogisticsTest.php
new file mode 100644
index 0000000..e03a0d5
--- /dev/null
+++ b/tests/Feature/LogisticsTest.php
@@ -0,0 +1,19 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Logistics\GetDeliveriesRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get deliveries', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetDeliveriesRequest::class => MockResponse::make(['deliveries' => []], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetDeliveriesRequest('2023-01-01T00:00:00.000Z'));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/Loyalty/LoyaltyTest.php b/tests/Feature/Loyalty/LoyaltyTest.php
new file mode 100644
index 0000000..8ac9177
--- /dev/null
+++ b/tests/Feature/Loyalty/LoyaltyTest.php
@@ -0,0 +1,34 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Loyalty\GetLoyaltyAccountsRequest;
+use Apoloz\AlfaBank\Requests\Loyalty\GetLoyaltyTransactionsRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get loyalty accounts', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetLoyaltyAccountsRequest::class => MockResponse::make(['accounts' => []], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetLoyaltyAccountsRequest());
+
+    expect($response->status())->toBe(200);
+});
+
+test('can get loyalty transactions', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetLoyaltyTransactionsRequest::class => MockResponse::make(['transactions' => []], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetLoyaltyTransactionsRequest(new \Apoloz\AlfaBank\Data\Loyalty\LoyaltyFilterData('2023-01-01', '2023-01-31')));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/MiscellaneousTest.php b/tests/Feature/MiscellaneousTest.php
new file mode 100644
index 0000000..a6e990b
--- /dev/null
+++ b/tests/Feature/MiscellaneousTest.php
@@ -0,0 +1,49 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Bonus\GetBonusNumbersRequest;
+use Apoloz\AlfaBank\Requests\Loans\GetCreditOffersRequest;
+use Apoloz\AlfaBank\Requests\Registries\CreateSelfEncashmentRegistryRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get bonus numbers', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetBonusNumbersRequest::class => MockResponse::make(['bonusNumbers' => []], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetBonusNumbersRequest());
+
+    expect($response->status())->toBe(200);
+});
+
+test('can get credit offers', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetCreditOffersRequest::class => MockResponse::make(['offers' => []], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetCreditOffersRequest());
+
+    expect($response->status())->toBe(200);
+});
+
+test('can create self-encashment registry', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreateSelfEncashmentRegistryRequest::class => MockResponse::make([], 201),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new CreateSelfEncashmentRegistryRequest(new \Apoloz\AlfaBank\Data\Registries\SelfEncashmentData([])));
+
+    expect($response->status())->toBe(201);
+});
diff --git a/tests/Feature/NominalAccounts/BeneficiariesTest.php b/tests/Feature/NominalAccounts/BeneficiariesTest.php
index db8a14e..d925ff6 100644
--- a/tests/Feature/NominalAccounts/BeneficiariesTest.php
+++ b/tests/Feature/NominalAccounts/BeneficiariesTest.php
@@ -1,10 +1,12 @@
 <?php
 
-use Apoloz\AlfaBank\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
 use Apoloz\AlfaBank\Requests\NominalAccounts\Beneficiaries\CreateBeneficiaryRequest;
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\CreateBeneficiaryRequestData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Beneficiaries\AddressData;
 use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
+use Spatie\LaravelData\DataCollection;
 use Saloon\Http\Faking\MockResponse;
 
 test('can create a beneficiary', function () {
@@ -15,16 +17,22 @@ test('can create a beneficiary', function () {
         ], 202),
     ]);
 
-    $connector = new AlfaBankConnector('cert.pem', 'key.pem');
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../../test_key.pem',
+        privateKeyPath: __DIR__ . '/../../test_key.pem'
+    );
+    $connector = new AlfaBankConnector($config);
     $connector->withMockClient($mockClient);
 
+
     $payload = new CreateBeneficiaryRequestData(
         type: 'FL_RESIDENT',
         countryOfTaxResidence: 'RU',
-        addresses: AddressData::collect([
+        addresses: new DataCollection(AddressData::class, [
             new AddressData('REGISTRATION_ADDRESS', 'Moscow', 'RU')
         ]),
-        digestSignatures: DigestSignatureData::collect([
+        digestSignatures: new DataCollection(DigestSignatureData::class, [
             new DigestSignatureData('base64sig', 'rsa')
         ])
     );
diff --git a/tests/Feature/NominalAccounts/DealsTest.php b/tests/Feature/NominalAccounts/DealsTest.php
new file mode 100644
index 0000000..bfdadc8
--- /dev/null
+++ b/tests/Feature/NominalAccounts/DealsTest.php
@@ -0,0 +1,40 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\NominalAccounts\Deals\Steps\ManageStepRequest;
+use Apoloz\AlfaBank\Data\NominalAccounts\Deals\Steps\StepActionRequestData;
+use Apoloz\AlfaBank\Data\NominalAccounts\Payouts\DigestSignatureData;
+use Spatie\LaravelData\DataCollection;
+use Saloon\Http\Faking\MockResponse;
+
+test('can manage deal step', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        ManageStepRequest::class => MockResponse::make([
+            'dealId' => 'deal-123',
+            'stepId' => 'step-456',
+            'stepNumber' => 1
+        ], 200),
+    ]);
+
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../../test_key.pem',
+        privateKeyPath: __DIR__ . '/../../test_key.pem'
+    );
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new StepActionRequestData(
+        dealId: 'deal-123',
+        action: 'CREATE',
+        digestSignatures: new DataCollection(DigestSignatureData::class, [
+            new DigestSignatureData('sig', 'rsa')
+        ])
+    );
+
+    $response = $connector->send(new ManageStepRequest($payload));
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->stepId)->toBe('step-456');
+});
diff --git a/tests/Feature/NominalAccounts/NominalAccountsTest.php b/tests/Feature/NominalAccounts/NominalAccountsTest.php
index 76c6046..730d3fb 100644
--- a/tests/Feature/NominalAccounts/NominalAccountsTest.php
+++ b/tests/Feature/NominalAccounts/NominalAccountsTest.php
@@ -1,6 +1,7 @@
 <?php
 
-use Apoloz\AlfaBank\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
 use Apoloz\AlfaBank\Requests\NominalAccounts\GetNominalAccountsRequest;
 use Saloon\Http\Faking\MockResponse;
 
@@ -9,12 +10,17 @@ test('can list nominal accounts', function () {
         GetNominalAccountsRequest::class => MockResponse::make([
             [
                 'accountNumber' => '40817810306050000000',
-                'isActive' => true
+                'isActive' => true,
             ]
         ], 200),
     ]);
 
-    $connector = new AlfaBankConnector('cert.pem', 'key.pem');
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../../test_key.pem',
+        privateKeyPath: __DIR__ . '/../../test_key.pem'
+    );
+    $connector = new AlfaBankConnector($config);
     $connector->withMockClient($mockClient);
 
     $response = $connector->send(new GetNominalAccountsRequest());
diff --git a/tests/Feature/Partner/PartnerTest.php b/tests/Feature/Partner/PartnerTest.php
new file mode 100644
index 0000000..3e13835
--- /dev/null
+++ b/tests/Feature/Partner/PartnerTest.php
@@ -0,0 +1,34 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Crypto\GetCertificatesRequest;
+use Apoloz\AlfaBank\Requests\Partner\GetPartnerApplicationsRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get crypto certificates', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetCertificatesRequest::class => MockResponse::make(['certificates' => []], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetCertificatesRequest());
+
+    expect($response->status())->toBe(200);
+});
+
+test('can get partner applications', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetPartnerApplicationsRequest::class => MockResponse::make(['items' => []], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetPartnerApplicationsRequest());
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/Payments/PaymentTest.php b/tests/Feature/Payments/PaymentTest.php
new file mode 100644
index 0000000..42e7d95
--- /dev/null
+++ b/tests/Feature/Payments/PaymentTest.php
@@ -0,0 +1,57 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\Payments\CreatePaymentRequest;
+use Apoloz\AlfaBank\Requests\Payments\GetPaymentStateRequest;
+use Apoloz\AlfaBank\Data\Payments\PaymentData;
+use Saloon\Http\Faking\MockResponse;
+
+test('can create payment order', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreatePaymentRequest::class => MockResponse::make('', 201),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new PaymentData(
+        amount: 100.00,
+        date: '2023-10-10',
+        externalId: 'ext-pay-1',
+        operationCode: '01',
+        payeeAccount: '40702...',
+        payeeBankBic: '044...',
+        payeeName: 'OOO ROMASHKA',
+        payerAccount: '40702...',
+        payerBankBic: '044...',
+        payerBankCorrAccount: '301...',
+        payerInn: '770...',
+        payerName: 'MY COMPANY',
+        priority: '5',
+        purpose: 'Payment for services'
+    );
+
+    $response = $connector->send(new CreatePaymentRequest($payload));
+
+    expect($response->status())->toBe(201);
+});
+
+test('can get payment state', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetPaymentStateRequest::class => MockResponse::make([
+            'bankStatus' => 'ACCEPTED',
+            'bankComment' => 'Processing'
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetPaymentStateRequest('ext-pay-1'));
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->bankStatus)->toBe('ACCEPTED');
+});
diff --git a/tests/Feature/Poa/PoaTest.php b/tests/Feature/Poa/PoaTest.php
new file mode 100644
index 0000000..565e39f
--- /dev/null
+++ b/tests/Feature/Poa/PoaTest.php
@@ -0,0 +1,36 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Poa\CreatePoaRequest;
+use Apoloz\AlfaBank\Requests\Poa\GetPoaRequestStatusRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can create poa request', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreatePoaRequest::class => MockResponse::make(['requestUuid' => 'uuid-123'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new CreatePoaRequest('poa-1', '1234567890'));
+
+    expect($response->status())->toBe(200)
+        ->and($response->json('requestUuid'))->toBe('uuid-123');
+});
+
+test('can get poa request status', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetPoaRequestStatusRequest::class => MockResponse::make(['status' => 'COMPLETED'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetPoaRequestStatusRequest('uuid-123'));
+
+    expect($response->status())->toBe(200)
+        ->and($response->json('status'))->toBe('COMPLETED');
+});
diff --git a/tests/Feature/Registries/RegistryTest.php b/tests/Feature/Registries/RegistryTest.php
new file mode 100644
index 0000000..1d337c9
--- /dev/null
+++ b/tests/Feature/Registries/RegistryTest.php
@@ -0,0 +1,65 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Data\Registries\RegistryPaymentData;
+use Apoloz\AlfaBank\Data\Registries\RegistryRequestData;
+use Apoloz\AlfaBank\Data\Registries\RegistrySignatureData;
+use Apoloz\AlfaBank\Requests\Registries\CreateRegistryRequest;
+use Apoloz\AlfaBank\Requests\Registries\SignRegistryRequest;
+use Saloon\Http\Faking\MockResponse;
+use Spatie\LaravelData\DataCollection;
+
+test('can create payment registry', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreateRegistryRequest::class => MockResponse::make([
+            'id' => 'REG-123',
+            'status' => 'CREATED'
+        ], 201),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new RegistryRequestData(
+        payments: RegistryPaymentData::collect([
+            [
+                'amount' => 100.0,
+                'date' => '2023-10-10',
+                'payeeAccount' => '40702...',
+                'payeeBankBic' => '044...',
+                'payeeInn' => '770...',
+                'payeeName' => 'Recipient LLC',
+                'payerAccount' => '40702...',
+                'purpose' => 'Payment'
+            ]
+        ], DataCollection::class)
+    );
+
+    $response = $connector->send(new CreateRegistryRequest($payload));
+
+    expect($response->status())->toBe(201)
+        ->and($response->json('id'))->toBe('REG-123');
+});
+
+test('can sign payment registry', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        SignRegistryRequest::class => MockResponse::make([], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $signatures = RegistrySignatureData::collect([
+        [
+            'base64Encoded' => 'SIG...',
+            'signatureType' => 'RSA',
+            'certificateUuid' => 'CERT-123'
+        ]
+    ], DataCollection::class);
+
+    $response = $connector->send(new SignRegistryRequest('REG-123', $signatures));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/Reports/ReportTest.php b/tests/Feature/Reports/ReportTest.php
new file mode 100644
index 0000000..60ce358
--- /dev/null
+++ b/tests/Feature/Reports/ReportTest.php
@@ -0,0 +1,23 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Reports\CreateAccountBalanceReportRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can create account balance report', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreateAccountBalanceReportRequest::class => MockResponse::make([
+            'id' => 'report-123',
+            'status' => 'PENDING'
+        ], 201),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new CreateAccountBalanceReportRequest(new \Apoloz\AlfaBank\Data\Reports\AccountBalanceReportData(['40702...'])));
+
+    expect($response->status())->toBe(201)
+        ->and($response->json('id'))->toBe('report-123');
+});
diff --git a/tests/Feature/Salary/SalaryTest.php b/tests/Feature/Salary/SalaryTest.php
new file mode 100644
index 0000000..ab3e3b4
--- /dev/null
+++ b/tests/Feature/Salary/SalaryTest.php
@@ -0,0 +1,85 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Data\Salary\SalaryAccountApplicationData;
+use Apoloz\AlfaBank\Data\Salary\SalaryEmployeeData;
+use Apoloz\AlfaBank\Data\Salary\SalaryOrganizationData;
+use Apoloz\AlfaBank\Data\Salary\SalaryPayrollApplicationData;
+use Apoloz\AlfaBank\Requests\Salary\CreateAccountApplicationRequest;
+use Apoloz\AlfaBank\Requests\Salary\CreatePayrollApplicationRequest;
+use Apoloz\AlfaBank\Requests\Salary\GetAccountApplicationStatusRequest;
+use Saloon\Http\Faking\MockResponse;
+use Spatie\LaravelData\DataCollection;
+
+test('can create salary account application', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreateAccountApplicationRequest::class => MockResponse::make(['id' => 'ACC-123'], 201),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new SalaryAccountApplicationData(
+        applicationId: 'app-1',
+        applicationCreatedAt: '2023-10-10T10:00:00Z',
+        registryNumber: 'reg-1',
+        registryCreatedAt: '2023-10-10T10:00:00Z',
+        contractNumber: 'cnt-1',
+        bic: '044...',
+        organization: new SalaryOrganizationData('Org LLC', '407...', '770...'),
+        rowsCount: 1,
+        employees: SalaryEmployeeData::collect([
+            ['firstName' => 'Ivan', 'lastName' => 'Ivanov']
+        ], DataCollection::class)
+    );
+
+    $response = $connector->send(new CreateAccountApplicationRequest($payload));
+
+    expect($response->status())->toBe(201);
+});
+
+test('can create salary payroll application', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreatePayrollApplicationRequest::class => MockResponse::make(['id' => 'PAY-123'], 201),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new SalaryPayrollApplicationData(
+        applicationId: 'app-2',
+        applicationCreatedAt: '2023-10-10T10:00:00Z',
+        totalAmount: 1000.0,
+        payrollId: 'pay-1',
+        admissionValue: '1',
+        registryNumber: 'reg-2',
+        registryCreatedAt: '2023-10-10',
+        contractNumber: 'cnt-1',
+        bic: '044...',
+        organization: new SalaryOrganizationData('Org LLC', '407...', '770...'),
+        rowsCount: 1,
+        employees: SalaryEmployeeData::collect([
+            ['firstName' => 'Ivan', 'lastName' => 'Ivanov', 'amount' => 1000.0]
+        ], DataCollection::class)
+    );
+
+    $response = $connector->send(new CreatePayrollApplicationRequest($payload));
+
+    expect($response->status())->toBe(201);
+});
+
+test('can get salary application status', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetAccountApplicationStatusRequest::class => MockResponse::make(['status' => 'PROCESSED'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetAccountApplicationStatusRequest('ACC-123'));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/Sbp/ConfigTest.php b/tests/Feature/Sbp/ConfigTest.php
new file mode 100644
index 0000000..50c8d72
--- /dev/null
+++ b/tests/Feature/Sbp/ConfigTest.php
@@ -0,0 +1,30 @@
+<?php
+
+use Apoloz\AlfaBank\Sbp\SbpConnector;
+use Apoloz\AlfaBank\Sbp\Requests\GetQrCodeRequest;
+use Apoloz\AlfaBank\Sbp\Data\QrCodeRequestData;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Saloon\Http\Faking\MockResponse;
+
+test('sbp connector uses injected config', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetQrCodeRequest::class => MockResponse::make(['payload' => 'https://test.qr'], 200),
+    ]);
+
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.alfa',
+        certificatePath: __DIR__ . '/../../test_key.pem', // valid path
+        privateKeyPath: __DIR__ . '/../../test_key.pem',  // valid path
+    );
+
+    $connector = new SbpConnector($config, 'alias');
+    $connector->withMockClient($mockClient);
+
+    expect($connector->resolveBaseUrl())->toBe('https://test.alfa');
+
+    $response = $connector->send(new GetQrCodeRequest(
+        new QrCodeRequestData('term', '01', '100', 'purpose')
+    ));
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/Sbp/QrCodeTest.php b/tests/Feature/Sbp/QrCodeTest.php
index 9229231..920f8b3 100644
--- a/tests/Feature/Sbp/QrCodeTest.php
+++ b/tests/Feature/Sbp/QrCodeTest.php
@@ -1,6 +1,7 @@
 <?php
 
 use Apoloz\AlfaBank\Sbp\SbpConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
 use Apoloz\AlfaBank\Sbp\Requests\GetQrCodeRequest;
 use Apoloz\AlfaBank\Sbp\Data\QrCodeRequestData;
 use Saloon\Http\Faking\MockResponse;
@@ -15,11 +16,16 @@ test('can generate static qr code', function () {
         ], 200),
     ]);
 
-    $connector = new SbpConnector('cert.pem', 'key.pem', 'key-alias');
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../../test_key.pem',
+        privateKeyPath: __DIR__ . '/../../test_key.pem'
+    );
+    $connector = new SbpConnector($config, 'key-alias');
     $connector->withMockClient($mockClient);
 
     $payload = new QrCodeRequestData(
-        TermNo: 'test-term',
+        termNo: 'test-term',
         amount: '100'
     );
 
diff --git a/tests/Feature/Sbp/ReversalTest.php b/tests/Feature/Sbp/ReversalTest.php
new file mode 100644
index 0000000..91446b1
--- /dev/null
+++ b/tests/Feature/Sbp/ReversalTest.php
@@ -0,0 +1,37 @@
+<?php
+
+use Apoloz\AlfaBank\Sbp\SbpConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Sbp\Requests\Reversal\GetQrcReversalDataRequest;
+use Apoloz\AlfaBank\Sbp\Data\Reversal\GetQrcReversalDataRequestData;
+use Saloon\Http\Faking\MockResponse;
+
+test('can check reversal data', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetQrcReversalDataRequest::class => MockResponse::make([
+            'ErrorCode' => 0,
+            'message' => 'OK',
+            'qrcId' => 'test-id',
+            'messageID' => 'guid-123',
+            'payerBnkName' => 'Alfa'
+        ], 200),
+    ]);
+
+    $config = new AlfaConfig(
+        baseUrl: 'https://test.com',
+        certificatePath: __DIR__ . '/../../test_key.pem',
+        privateKeyPath: __DIR__ . '/../../test_key.pem'
+    );
+    $connector = new SbpConnector($config, 'alias');
+    $connector->withMockClient($mockClient);
+
+    $payload = new GetQrcReversalDataRequestData(
+        TermNo: 'term-1',
+        qrcId: 'test-id'
+    );
+
+    $response = $connector->send(new GetQrcReversalDataRequest($payload));
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->messageID)->toBe('guid-123');
+});
diff --git a/tests/Feature/ScoringAndSecurityTest.php b/tests/Feature/ScoringAndSecurityTest.php
new file mode 100644
index 0000000..a3cf5fe
--- /dev/null
+++ b/tests/Feature/ScoringAndSecurityTest.php
@@ -0,0 +1,35 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Scoring\GetComplianceScoreRequest;
+use Apoloz\AlfaBank\Requests\Security\GetSubscriptionsRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get compliance score', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetComplianceScoreRequest::class => MockResponse::make(['score' => 'LOW_RISK'], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetComplianceScoreRequest('7700000000'));
+
+    expect($response->status())->toBe(200)
+        ->and($response->json('score'))->toBe('LOW_RISK');
+});
+
+test('can get security subscriptions', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetSubscriptionsRequest::class => MockResponse::make(['subscriptions' => []], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetSubscriptionsRequest());
+
+    expect($response->status())->toBe(200);
+});
diff --git a/tests/Feature/SelfEmployed/AgreementTest.php b/tests/Feature/SelfEmployed/AgreementTest.php
new file mode 100644
index 0000000..ab982c0
--- /dev/null
+++ b/tests/Feature/SelfEmployed/AgreementTest.php
@@ -0,0 +1,30 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\SelfEmployed\CreateAgreementLinkRequest;
+use Apoloz\AlfaBank\Data\SelfEmployed\AgreementPageRequestData;
+use Saloon\Http\Faking\MockResponse;
+
+test('can create agreement link', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreateAgreementLinkRequest::class => MockResponse::make([
+            'agreementPageId' => 'uuid-page-123',
+            'agreementPageLink' => 'https://link.alfa/...'
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new AgreementPageRequestData(
+        phone: '79001234567',
+        returnUrl: 'https://my-site.com/return'
+    );
+
+    $response = $connector->send(new CreateAgreementLinkRequest($payload));
+
+    expect($response->status())->toBe(200)
+        ->and($response->json('agreementPageLink'))->toBe('https://link.alfa/...');
+});
diff --git a/tests/Feature/SelfEmployed/DictionaryTest.php b/tests/Feature/SelfEmployed/DictionaryTest.php
new file mode 100644
index 0000000..33aab91
--- /dev/null
+++ b/tests/Feature/SelfEmployed/DictionaryTest.php
@@ -0,0 +1,25 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\SelfEmployed\GetActivitiesRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get activities dictionary', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetActivitiesRequest::class => MockResponse::make([
+            ['id' => '1', 'name' => 'IT Services'],
+            ['id' => '2', 'name' => 'Design'],
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetActivitiesRequest());
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->count())->toBe(2)
+        ->and($response->dto()->first()->name)->toBe('IT Services');
+});
diff --git a/tests/Feature/SelfEmployed/PayoutTest.php b/tests/Feature/SelfEmployed/PayoutTest.php
new file mode 100644
index 0000000..e6545fb
--- /dev/null
+++ b/tests/Feature/SelfEmployed/PayoutTest.php
@@ -0,0 +1,33 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\SelfEmployed\CreatePayoutRequest;
+use Apoloz\AlfaBank\Data\SelfEmployed\PayoutRequestData;
+use Saloon\Http\Faking\MockResponse;
+
+test('can create a payout for self-employed', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreatePayoutRequest::class => MockResponse::make([
+            'requestId' => 'payout-req-123',
+            'state' => 'PROCESSED'
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new PayoutRequestData(
+        externalId: 'ext-id-456',
+        company: ['vatin' => '7700000000'],
+        requisite: [
+            ['amount' => 1000, 'vatin' => '112233445566']
+        ]
+    );
+
+    $response = $connector->send(new CreatePayoutRequest($payload));
+
+    expect($response->status())->toBe(200)
+        ->and($response->json('requestId'))->toBe('payout-req-123');
+});
diff --git a/tests/Feature/SelfEmployed/TaxpayerStatusTest.php b/tests/Feature/SelfEmployed/TaxpayerStatusTest.php
new file mode 100644
index 0000000..46c7e00
--- /dev/null
+++ b/tests/Feature/SelfEmployed/TaxpayerStatusTest.php
@@ -0,0 +1,38 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\SelfEmployed\GetTaxpayerStatusRequest;
+use Apoloz\AlfaBank\Data\SelfEmployed\TaxpayerStatusRequestData;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get self-employed status from FTS', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetTaxpayerStatusRequest::class => MockResponse::make([
+            'requestId' => '00000000-0000-0000-0000-000000000001',
+            'externalId' => '00000000-0000-0000-0000-000000000002',
+            'taxpayerStatusList' => [
+                [
+                    'vatin' => '112233445566',
+                    'status' => 'ACTIVE',
+                    'message' => 'Is self-employed'
+                ]
+            ]
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $payload = new TaxpayerStatusRequestData(
+        externalId: '00000000-0000-0000-0000-000000000002',
+        selfemployedVatinList: ['112233445566']
+    );
+
+    $response = $connector->send(new GetTaxpayerStatusRequest($payload));
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->requestId)->toBe('00000000-0000-0000-0000-000000000001')
+        ->and($response->dto()->taxpayerStatusList[0]['status'])->toBe('ACTIVE');
+});
diff --git a/tests/Feature/Statement/StatementTest.php b/tests/Feature/Statement/StatementTest.php
new file mode 100644
index 0000000..35b2659
--- /dev/null
+++ b/tests/Feature/Statement/StatementTest.php
@@ -0,0 +1,42 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Core\AlfaConfig;
+use Apoloz\AlfaBank\Requests\Statement\GetTransactionsRequest;
+use Saloon\Http\Faking\MockResponse;
+
+test('can get transactions statement', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetTransactionsRequest::class => MockResponse::make([
+            'pagination' => [
+                'totalCount' => 1,
+                'limit' => 10,
+                'offset' => 0
+            ],
+            'transactions' => [
+                [
+                    'uuid' => 'uuid-123',
+                    'transactionId' => 'tx-123',
+                    'operationDate' => '2023-01-01',
+                    'number' => '1',
+                    'direction' => 'CREDIT',
+                    'amount' => ['amount' => 100.00, 'currencyName' => 'RUB'],
+                    'amountRub' => ['amount' => 100.00, 'currencyName' => 'RUB'],
+                    'paymentPurpose' => 'Test',
+                    'correspondingAccount' => '408...'
+                ]
+            ]
+        ], 200, ['Content-Type' => 'application/json']),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $request = new GetTransactionsRequest('408...', '2023-01-01', '2023-01-02');
+    $response = $connector->send($request);
+
+    expect($response->status())->toBe(200)
+        ->and($response->dto()->transactions[0]->transactionId)->toBe('tx-123')
+        ->and($response->dto()->transactions[0]->amount->amount)->toBe(100.00);
+});
diff --git a/tests/Feature/Utils/CryptoTest.php b/tests/Feature/Utils/CryptoTest.php
new file mode 100644
index 0000000..8514871
--- /dev/null
+++ b/tests/Feature/Utils/CryptoTest.php
@@ -0,0 +1,36 @@
+<?php
+
+use Apoloz\AlfaBank\Utils\CardEncryptor;
+use Apoloz\AlfaBank\Utils\CmsSigner;
+
+test('can encrypt card pan', function () {
+    // Generate a temporary RSA key for testing
+    $res = openssl_pkey_new([
+        "private_key_bits" => 2048,
+        "private_key_type" => OPENSSL_KEYTYPE_RSA,
+    ]);
+    openssl_pkey_export($res, $privateKey);
+    $details = openssl_pkey_get_details($res);
+    $publicKey = $details['key'];
+
+    $pan = '4779642610000010';
+    $encrypted = CardEncryptor::encrypt($pan, $publicKey);
+
+    expect($encrypted)->toBeString()
+        ->and(base64_decode($encrypted))->not->toBeFalse();
+});
+
+test('can canonicalize json', function () {
+    $data = [
+        'z' => 1,
+        'a' => [
+            'c' => 3,
+            'b' => 2
+        ]
+    ];
+
+    $canonical = CmsSigner::canonicalize($data);
+    
+    // Keys should be sorted: a (then b, c), z
+    expect($canonical)->toBe('{"a":{"b":2,"c":3},"z":1}');
+});
diff --git a/tests/Feature/Utils/UuidTest.php b/tests/Feature/Utils/UuidTest.php
new file mode 100644
index 0000000..0355970
--- /dev/null
+++ b/tests/Feature/Utils/UuidTest.php
@@ -0,0 +1,37 @@
+<?php
+
+use Apoloz\AlfaBank\Utils\Uuid;
+use Apoloz\AlfaBank\Http\Middleware\RequestIdMiddleware;
+use Saloon\Http\PendingRequest;
+use Saloon\Http\Request;
+use Saloon\Enums\Method;
+
+test('it generates valid uuid v4', function () {
+    $uuid = Uuid::v4();
+    
+    expect($uuid)->toBeString()
+        ->and(strlen($uuid))->toBe(36)
+        ->and(preg_match('/^[0-9a-f]{8}-[0-9a-f]{4}-4[0-9a-f]{3}-[89ab][0-9a-f]{3}-[0-9a-f]{12}$/', $uuid))->toBe(1);
+});
+
+test('middleware adds uuid to request', function () {
+    $middleware = new RequestIdMiddleware();
+    
+    $request = new class extends Request {
+        protected Method $method = Method::GET;
+        public function resolveEndpoint(): string { return '/'; }
+    };
+    
+    $connector = new class extends \Saloon\Http\Connector {
+        public function resolveBaseUrl(): string { return 'https://test'; }
+    };
+    
+    $pendingRequest = new PendingRequest($connector, $request);
+    
+    $middleware($pendingRequest);
+    
+    $header = $pendingRequest->headers()->get('X-Request-ID');
+    
+    expect($header)->toBeString()
+        ->and(preg_match('/^[0-9a-f]{8}-[0-9a-f]{4}-4[0-9a-f]{3}-[89ab][0-9a-f]{3}-[0-9a-f]{12}$/', $header))->toBe(1);
+});
diff --git a/tests/Feature/Webhooks/WebhookManagementTest.php b/tests/Feature/Webhooks/WebhookManagementTest.php
new file mode 100644
index 0000000..701e885
--- /dev/null
+++ b/tests/Feature/Webhooks/WebhookManagementTest.php
@@ -0,0 +1,51 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaBankConnector;
+use Apoloz\AlfaBank\Requests\Webhooks\CreateWebhookRequest;
+use Apoloz\AlfaBank\Requests\Webhooks\GetWebhooksRequest;
+use Apoloz\AlfaBank\Requests\Webhooks\DeleteWebhookRequest;
+use Apoloz\AlfaBank\Data\Webhooks\Subscriptions\WebhookSubscriptionRequestData;
+use Saloon\Http\Faking\MockResponse;
+
+test('can list webhooks', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        GetWebhooksRequest::class => MockResponse::make([['id' => 'WH-1']], 200),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new GetWebhooksRequest());
+
+    expect($response->status())->toBe(200)
+        ->and($response->json('0.id'))->toBe('WH-1');
+});
+
+test('can create webhook', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        CreateWebhookRequest::class => MockResponse::make(['id' => 'WH-2'], 201),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new CreateWebhookRequest(new WebhookSubscriptionRequestData('https://test.io', ['transactions'])));
+
+    expect($response->status())->toBe(201);
+});
+
+test('can delete webhook', function () {
+    $mockClient = new \Saloon\Http\Faking\MockClient([
+        DeleteWebhookRequest::class => MockResponse::make([], 204),
+    ]);
+
+    $config = createTestConfig();
+    $connector = new AlfaBankConnector($config);
+    $connector->withMockClient($mockClient);
+
+    $response = $connector->send(new DeleteWebhookRequest('WH-1'));
+
+    expect($response->status())->toBe(204);
+});
\ No newline at end of file
diff --git a/tests/Feature/Webhooks/WebhookTest.php b/tests/Feature/Webhooks/WebhookTest.php
new file mode 100644
index 0000000..1abd84e
--- /dev/null
+++ b/tests/Feature/Webhooks/WebhookTest.php
@@ -0,0 +1,36 @@
+<?php
+
+use Apoloz\AlfaBank\Webhooks\WebhookFactory;
+use Apoloz\AlfaBank\Data\Webhooks\Payloads\BaasWebhookData;
+use Apoloz\AlfaBank\Data\Webhooks\Payloads\SbpWebhookData;
+
+test('can detect baas webhook', function () {
+    $payload = [
+        [
+            'object' => 'ul_transaction_default',
+            'actionType' => 'create',
+            'eventTime' => '2022-01-12T00:00:00',
+            'data' => []
+        ]
+    ];
+
+    expect(WebhookFactory::isBaas($payload))->toBeTrue();
+    
+    $webhook = WebhookFactory::create($payload);
+    expect($webhook)->toBeInstanceOf(BaasWebhookData::class)
+        ->and($webhook->object)->toBe('ul_transaction_default');
+});
+
+test('can detect sbp webhook', function () {
+    $payload = [
+        'command' => 'qrc/notification',
+        'status' => 'ACWP',
+        'qrcId' => 'test-id'
+    ];
+
+    expect(WebhookFactory::isSbp($payload))->toBeTrue();
+    
+    $webhook = WebhookFactory::create($payload);
+    expect($webhook)->toBeInstanceOf(SbpWebhookData::class)
+        ->and($webhook->command)->toBe('qrc/notification');
+});
\ No newline at end of file
diff --git a/tests/Pest.php b/tests/Pest.php
new file mode 100644
index 0000000..bc08f25
--- /dev/null
+++ b/tests/Pest.php
@@ -0,0 +1,128 @@
+<?php
+
+use Apoloz\AlfaBank\Core\AlfaConfig;
+
+/**
+ * Define a mock app() helper for tests running outside of Laravel.
+ */
+if (!function_exists('app')) {
+    function app($abstract = null, array $parameters = []) {
+        static $container = [];
+        
+        if ($abstract === null) {
+            return new class {
+                public function make($abstract) { return app($abstract); }
+            };
+        }
+
+        if (isset($container[$abstract])) {
+            return $container[$abstract];
+        }
+
+        // Minimal implementations for laravel-data
+        if ($abstract === \Spatie\LaravelData\Support\DataConfig::class) {
+            if (isset($container[$abstract])) return $container[$abstract];
+            return $container[$abstract] = \Spatie\LaravelData\Support\DataConfig::createFromConfig(config('data'));
+        }
+
+        if ($abstract === \Spatie\LaravelData\Support\DataContainer::class) {
+            return \Spatie\LaravelData\Support\DataContainer::get();
+        }
+
+        // Auto-wiring via Reflection
+        try {
+            $reflector = new ReflectionClass($abstract);
+
+            if (! $reflector->isInstantiable()) {
+                return null;
+            }
+
+            $constructor = $reflector->getConstructor();
+
+            if (is_null($constructor)) {
+                return $container[$abstract] = new $abstract();
+            }
+
+            $dependencies = [];
+            foreach ($constructor->getParameters() as $parameter) {
+                $type = $parameter->getType();
+                if ($type instanceof ReflectionNamedType && ! $type->isBuiltin()) {
+                    $dependencies[] = app($type->getName());
+                } else {
+                    if ($parameter->isDefaultValueAvailable()) {
+                        $dependencies[] = $parameter->getDefaultValue();
+                    } else {
+                        $dependencies[] = null;
+                    }
+                }
+            }
+
+            return $container[$abstract] = $reflector->newInstanceArgs($dependencies);
+        } catch (\Throwable $e) {
+            return null;
+        }
+    }
+}
+
+/**
+ * Define a mock config() helper for tests running outside of Laravel.
+ */
+if (!function_exists('config')) {
+    function config($key = null, $default = null) {
+        $dataConfig = [
+            'validation_strategy' => 'disabled',
+            'transformers' => [],
+            'casters' => [],
+            'rule_inferrers' => [],
+            'normalizers' => [
+                \Spatie\LaravelData\Normalizers\ModelNormalizer::class,
+                \Spatie\LaravelData\Normalizers\FormRequestNormalizer::class,
+                \Spatie\LaravelData\Normalizers\ArrayableNormalizer::class,
+                \Spatie\LaravelData\Normalizers\ObjectNormalizer::class,
+                \Spatie\LaravelData\Normalizers\ArrayNormalizer::class,
+                \Spatie\LaravelData\Normalizers\JsonNormalizer::class,
+            ],
+            'features' => [
+                'cast_and_transform_iterables' => true,
+            ],
+            'max_transformation_depth' => null,
+            'throw_when_max_transformation_depth_reached' => true,
+            'wrap_execution_type' => 'disabled',
+            'var_dumper_caster_mode' => 'narrow',
+        ];
+
+        if ($key === 'data') {
+            return $dataConfig;
+        }
+
+        if (is_string($key) && str_starts_with($key, 'data.')) {
+            $subKey = substr($key, 5);
+            // Handle simple dot notation for one level deep
+            if (array_key_exists($subKey, $dataConfig)) {
+                return $dataConfig[$subKey];
+            }
+             // Handle features.key
+            if (str_starts_with($subKey, 'features.')) {
+                 $featureKey = substr($subKey, 9);
+                 return $dataConfig['features'][$featureKey] ?? $default;
+            }
+        }
+
+        return $default;
+    }
+}
+
+/**
+ * Helper to create a test config.
+ */
+function createTestConfig(): AlfaConfig {
+    // Create temp files to satisfy file_exists checks
+    $cert = tempnam(sys_get_temp_dir(), 'cert');
+    $key = tempnam(sys_get_temp_dir(), 'key');
+    
+    return new AlfaConfig(
+        baseUrl: 'https://test.alfabank.ru',
+        certificatePath: $cert,
+        privateKeyPath: $key
+    );
+}