6 routes over Payment, composite key (customernumber + checknumber),
proxying to classic-models-api. openid-connect with RFC 8693 token
exchange to classic-models-api audience, rate-limiting, proxy-cache,
audit-log — same structure as customers-api's REST layer.
Keycloak (local): payments-api-audience client scope + payments-api
resource client added, attached to kong-token-exchange-broker's
default scopes. No dedicated protocol mappers on payments-api
itself, same practice as customers-api/mcp-customers.
No MCP layer — same as customers-api, not needed yet.