Can I vibe code Airwallex?

Build an internal multi-currency treasury and payout management dashboard using Next.js, Tailwind CSS, and PostgreSQL (with Prisma ORM).

1. DATA MODEL:
- Account: id, name, currency (ISO 3-letter code), balance (Decimal), routing_number, account_number, created_at.
- Transaction: id, account_id, type (DEPOSIT, WITHDRAWAL, FX_TRANSFER), amount (Decimal), currency, target_amount, target_currency, exchange_rate, fee, status (PENDING, COMPLETED, FAILED), vendor_name, external_reference, created_at.
- Beneficiary: id, name, bank_name, account_number, routing_number, swift_bic, currency, country.

2. CORE FUNCTIONALITY:
- Dashboard showing aggregated balance per currency (USD, EUR, GBP, JPY) converted to a primary reporting currency using live FX rates.
- FX Transfer form allowing transfers between internal accounts, calculating real-time simulated exchange rates with a 0.5% markup fee.
- Payout modal allowing users to initiate a transfer to a saved Beneficiary, updating internal account balances in a database transaction.
- Webhook endpoint (/api/webhooks/banking) to ingest external balance updates and update internal ledger states idempotently using transaction IDs.
- Exportable transaction log filtered by date range, currency, and transaction type.

3. INTEGRATION READY:
- Abstract the actual bank execution behind a service interface (BankingProvider) with mock implementations for local testing and a real implementation placeholder calling the Wise/Currencycloud REST API.

4. FAILURE MODES & OUT OF SCOPE:
- Enforce strict database transactions for any money movement logic to avoid race conditions.
- Do NOT attempt to handle raw card processing or PCI compliance. Out of scope: card issuing, real-time banking license checks, AML screening logic.

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