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sequenceDiagram participant C as Client participant S as Server participant DB as Database C->>S: POST /transfer S->>DB: BEGIN S->>DB: Debit account A alt Success S->>DB: Credit account B S->>DB: INSERT audit_log S->>DB: COMMIT S-->>C: 200 OK else Insufficient funds S->>DB: ROLLBACK S-->>C: 400 Bad Request end