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Authentication: settlement:initiate
Mutates state: Yes
Idempotency: Stable request_id
Before authorization is ready, returns the payment view without opening settlements. After authorization, Core opens unopened steps in descending order so a downstream off-ramp can produce its deposit destination before the upstream step funds it. The result may include instruction_id, type, amount, asset, destination, expiry, a first-party presentation URL, and swap execution metadata. On hosted OAuth, this tool displays a dedicated funding card. Do not duplicate its action links unless requested or unavailable. Fiat, QR, mobile-money, and payment-link instructions are completed through that card. For a crypto_deposit, stop and wait for a new user choice between manual card funding and a compatible spending grant. For a hosted swap, the owner signs through the returned transaction_signing_url.
In a linked two-step payment, never fund the downstream deposit separately. The upstream route is already bound to it.