[reese_john]

Yes, though I'm not convinced that the whole process should be synchronous, unless it is a "hard" use case, such as an ATM withdrawal.

For instance, you may want to do some sanity checks, to see if the account is in a valid status, i.e "ACTIVE" and not "BLOCKED". You'll also probably want to create a corresponding credit entry to match the newly created debit. I think you are better off optimistically creating a new transaction with a "STARTING" status and then settling it asynchronous (but quickly), rolling it back to an invalid state if something goes wrong, or to "COMPLETED" if everything clears.