Can I vibe code Pismo?

Build a production-grade double-entry ledger API service in Node.js (TypeScript) using Express and PostgreSQL to track internal closed-loop account balances.

1. DATA MODEL:
- Create `accounts` table (id, owner_id, currency, status, created_at).
- Create `ledgers` table for segregation of funds.
- Create `transactions` table (id, reference_id, description, state [pending, posted, voided], created_at).
- Create `entries` table (id, transaction_id, account_id, direction [debit, credit], amount_cents, created_at).

2. CORE LOGIC:
- Ensure absolute double-entry balance integrity: Sum(debits) MUST equal Sum(credits) for every single transaction ID within a database transaction.
- Implement a POST `/v1/transactions` endpoint that accepts an array of debit and credit entries. Validate zero-sum before execution.
- Enforce database row-level locking (`SELECT ... FOR UPDATE`) on target accounts during balance updates to prevent race conditions during concurrent API calls.
- Implement a POST `/v1/authorizations` endpoint that reserves funds (creates a pending transaction) and a POST `/v1/authorizations/:id/capture` endpoint to finalize the transaction.

3. FAILURE MODES & CONCURRENCY:
- Handle insufficient funds gracefully: return standard 422 errors if a debit would drop an account balance below zero (unless overdrawn status is explicitly set).
- Support idempotency keys on transaction requests using an `idempotency_keys` table to prevent duplicate charges on retry.
- Roll back all changes atomically if any database query in a multi-step financial transaction fails.

4. OUT OF SCOPE:
- Do NOT connect directly to Visa/Mastercard networks or parse ISO 8583 frames.
- PCI-DSS cardholder data storage is out of scope; deal strictly with numerical account balances and internal IDs.

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