chaitrali1742000/bulk-payment-engine ? reverse-engineered prompt

Build me the bulk payment processing engine described in this repo, with a clean local setup I can run from the root. I want a banking style system that ingests bulk corporate payments, validates them, sends them through clearing and settlement, and keeps reference data like exchange rates in sync through Kafka.

Please make the modules work together end to end, including the shared schemas, the payment ingestion service, the clearing and settlement stream processor, and the reference data producer. Set up the local Docker environment so I can start Kafka and the supporting services easily, and make sure the schema validation is strict so bad messages are rejected early.

Use Java 21 and Spring Boot 3, keep the processing reliable and close to exactly once behavior, and make the stream logic hold state for balances and windowed reporting. If anything is unclear, look up the current docs online and then wire it up in the simplest working way.