Document instant refund reserve#118
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Summary
Adds documentation for the new Instant refund reserve feature shown on the Payouts tab of the financial dashboard.
The triggering PR introduces an automatically calculated refund reserve that holds back a portion of each payout so that customer refunds can be processed immediately without waiting for fresh card receipts to clear. The reserve target adapts to recent refund and payment activity, with a daily top-up cap so payouts stay predictable, and is released after extended inactivity.
Changes
payments/reporting.mdxcovering what the reserve is, how the target is calculated (35-day lookback, minimum £200 buffer, 35% of refund volume, 2% of payment volume), how it is replenished (10% daily top-up cap), inactivity release behavior, and when to review it.