Implement automated refund processing with policy engine

[Smartdevs17]

Context

Refunds need automation with policy engine.

Current Limitation

Refunds are manual.

Expected Outcome

• Automated refund processing
• Policy engine for refund rules
• Refund tracking
• Refund analytics

Acceptance Criteria

• Automated refund processing
• Policy engine for refund rules
• Refund status tracking
• Refund analytics
• Refund notifications
• Refund API
• Refund documentation

[Muneerat]

@Muneerat has applied to work on this issue as part of the Stellar Wave Program's 7th wave.

Please can you assign me

ℹ️ Repo Maintainers: To accept this application, review their application or assign @Muneerat to this issue.

[Glittersup]

@Glittersup has applied to work on this issue as part of the Stellar Wave Program's 7th wave.

I'm interested in taking this on.

I have experience contributing to existing codebases and enjoy working on improvements ranging from features and bug fixes to performance, security, and developer experience. I'll make sure the implementation aligns with the project's architecture and satisfies the acceptance criteria.

Thanks for considering my application!

ℹ️ Repo Maintainers: To accept this application, review their application or assign @Glittersup to this issue.

[drips-wave]

Congratulations, @Muneerat! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on July 30, 2026.

🧑‍💻 @Muneerat: Please resolve the issue such that the repo's maintainers have enough time to review your contribution before the due date. You'll earn Points for completing the issue on-time, which will make you eligible for a share of the Stellar Wave Program's reward pool.

Warning

When opening a PR, please link it to this issue to ensure it gets tracked accurately. Points are awarded when this issue is marked as completed by the maintainer.

🤠 Repo maintainers: Please keep an eye on the contributor's progress and review their work before the due date. You can manage this issue, including adjusting its complexity and points, here.

🌊 Happy Wave 🌊

[drips-wave]

This issue has been completed by @Muneerat as part of the Stellar Wave Program's 7th Wave 🥳

😎 @Muneerat: You earned 200 Points for completing this issue! After the current Wave ends, you'll be eligible for a percentage of the Wave's reward pool based on the percentage of total points you've earned. Learn more here. You can also Leave a review to share your experience working on this issue.

🧑‍💻 Repo maintainers: How'd the contributor do? Leave a review to share your experience working with them.