[iamparmjeet]

Implements remediation slice B03 (docs/Fix-Plan-2026-09-05.md). Muse-conducted design gate recorded in Handover; Terra/Sol final review owed before [x].

Scope: nullable payments.reversesPaymentId self-FK; backfill unambiguous only; reference numbers retained. One migration (0025: column + FK + backfill UPDATE + presence/direction CHECKs), no data rewrite.

Changes:

• schema: reversesPaymentId + payments_reversal_link_check (reversal=>linked, non-reversal=>null)
• writers set the link in all 3 insert sites (void batch/tx, group shared values)
• explicit list selects gain the new column (TS fix)
• gate-mandated test-only fixture updates (previously-unlinked reversal inserts now illegal)
• payment-reversal-link.test.ts: 8 tests (migration structural + UPDATE exec, single/group void links, void-then-repay, FK 23503, presence/direction 23514, report query)

Backfill proof: scratch clone of production-shaped payments (dropped after) linked 8/8, 0 ambiguous; rently_dev never mutated. Readers untouched (B12); duplicate-void guard untouched (B04).

Verification: db:generate no drift, check-types 6/6, Biome clean, db:migrate:test, full suite 222/222, local build 5/5.

Rollback: tag pre-payment-reversal-link on integ/phase-a-baseline@6e410f0.

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