Can I vibe code Klarna?

Build a merchant checkout installment widget and underwriting engine mock in Node.js and React.

Data Model:
- Merchant: id, api_key, merchant_fee_rate (default 0.0499).
- Consumer: id, email, phone, ssn_last4, credit_limit, current_balance, risk_score.
- Order: id, merchant_id, consumer_id, total_amount, status (pending, approved, declined).
- InstallmentPlan: id, order_id, plan_type (pay_in_4, pay_in_30), total_amount, interest_rate, status.
- ScheduleItem: id, plan_id, due_date, amount_due, amount_paid, status (pending, paid, late).

Engine Core:
1. REST API endpoint `/api/v1/underwrite`: Receives order_amount, consumer details (email, phone, ssn_last4). Evaluates risk score based on synthetic rules (credit limit - current_balance >= order_amount AND risk_score > 600).
2. If approved, generate an InstallmentPlan and 4 ScheduleItem rows (25% due today, 25% due in 14 days, 25% in 28 days, 25% in 42 days).
3. Webhook Dispatcher: On plan generation, trigger a `checkout.approved` webhook to the merchant store platform with transaction authorization tokens.
4. Auto-Debiter cron job simulator: Iterates through ScheduleItems where due_date <= today and status == pending, executing a mock Stripe charge, updating status to paid or late, and applying a $7 late fee on failure.

Out of Scope:
- Actual credit bureau integrations (Experian/TransUnion).
- Banking partnerships, card issuance, or real financial movement.
- Full merchant settlement ledgers and debt secondary market sales.

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