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Let members set their own daily e-transfer limit #2

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@ajaynarang

Members regularly hit the org-wide $3,000/day cap (dailyLimitRemaining bottoms out) and support can't help. The ask: members can lower their own limit any time, and request a raise that staff approve — per §5.4 a raise/override needs two staff approvals before it takes effect.

Depends on payments-service supporting per-member limits (tracked there) and a staff approval surface (staff-portal). Contract changes ride api-contracts per §2.4.

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