diff --git a/.claude/settings.local.json b/.claude/settings.local.json
new file mode 100644
index 00000000..f94e5394
--- /dev/null
+++ b/.claude/settings.local.json
@@ -0,0 +1,16 @@
+{
+  "permissions": {
+    "allow": [
+      "Bash(find:*)",
+      "Bash(bundle exec rspec:*)",
+      "Bash(mkdir:*)",
+      "Bash(rspec:*)",
+      "Bash(bundle install:*)",
+      "Bash(ruby:*)",
+      "Bash(gem which:*)",
+      "Bash(bundle:*)"
+    ],
+    "deny": [],
+    "ask": []
+  }
+}
diff --git a/.github/workflows/ci.yml b/.github/workflows/ci.yml
new file mode 100644
index 00000000..4bd82459
--- /dev/null
+++ b/.github/workflows/ci.yml
@@ -0,0 +1,52 @@
+name: CI
+
+on:
+  push:
+    branches: [ master, main ]
+  pull_request:
+    branches: [ master, main ]
+
+jobs:
+  rubocop:
+    runs-on: ubuntu-latest
+
+    strategy:
+      matrix:
+        ruby-version: ['3.2']
+
+    steps:
+    - uses: actions/checkout@v4
+
+    - name: Set up Ruby ${{ matrix.ruby-version }}
+      uses: ruby/setup-ruby@v1
+      with:
+        ruby-version: ${{ matrix.ruby-version }}
+        bundler-cache: true
+
+    - name: Install dependencies
+      run: bundle install
+
+    - name: Run RuboCop
+      run: bundle exec rubocop
+
+  rspec:
+    runs-on: ubuntu-latest
+
+    strategy:
+      matrix:
+        ruby-version: ['3.2']
+
+    steps:
+    - uses: actions/checkout@v4
+
+    - name: Set up Ruby ${{ matrix.ruby-version }}
+      uses: ruby/setup-ruby@v1
+      with:
+        ruby-version: ${{ matrix.ruby-version }}
+        bundler-cache: true
+
+    - name: Install dependencies
+      run: bundle install
+
+    - name: Run RSpec tests
+      run: bundle exec rspec
diff --git a/.rubocop.yml b/.rubocop.yml
index abe1c659..cc32da4b 100644
--- a/.rubocop.yml
+++ b/.rubocop.yml
@@ -1,29 +1 @@
 inherit_from: .rubocop_todo.yml
-
-# Offense count: 1
-Security/Eval:
-  Exclude:
-    - 'bin/*'
-
-# Configuration parameters: AllowHeredoc, AllowURI, URISchemes, IgnoreCopDirectives, IgnoredPatterns.
-# URISchemes: http, https
-Metrics/LineLength:
-  Max: 120
-
-Metrics/BlockLength:
-  ExcludedMethods: ['describe', 'context']
-
-Style/AsciiComments:
-  Enabled: false
-
-Style/Copyright:
-  Notice: 'Copyright (\(c\) )?2[0-9]{3} .+'
-  AutocorrectNotice: "# Copyright (c) 2018 FINFEX https://github.com/finfex\n"
-  Description: 'Include a copyright notice in each file before any code.'
-  Enabled: true
-  VersionAdded: '0.1'
-
-AllCops:
-  Exclude:
-    - utils/*
-    - vendor/bundle/**/*
diff --git a/.rubocop_todo.yml b/.rubocop_todo.yml
index 33c1993d..2796008f 100644
--- a/.rubocop_todo.yml
+++ b/.rubocop_todo.yml
@@ -1,18 +1,284 @@
 # This configuration was generated by
 # `rubocop --auto-gen-config`
-# on 2018-12-18 21:28:41 +0300 using RuboCop version 0.61.1.
+# on 2025-10-19 18:26:32 UTC using RuboCop version 1.81.1.
 # The point is for the user to remove these configuration records
 # one by one as the offenses are removed from the code base.
 # Note that changes in the inspected code, or installation of new
 # versions of RuboCop, may require this file to be generated again.
 
-# Offense count: 9
+# Offense count: 4
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: TreatCommentsAsGroupSeparators, ConsiderPunctuation.
+Gemspec/OrderedDependencies:
+  Exclude:
+    - 'payment_services.gemspec'
+
+# Offense count: 1
+# Configuration parameters: Severity.
+Gemspec/RequiredRubyVersion:
+  Exclude:
+    - 'payment_services.gemspec'
+
+# Offense count: 6
+# This cop supports safe autocorrection (--autocorrect).
+Layout/EmptyLineAfterGuardClause:
+  Exclude:
+    - 'lib/payment_services/block_io/client.rb'
+    - 'lib/payment_services/crypto_apis_v2/transaction_repository.rb'
+    - 'lib/payment_services/obmenka/invoicer.rb'
+    - 'lib/payment_services/tronscan/transaction.rb'
+    - 'lib/payment_services/your_payments/invoicer.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+Layout/EmptyLines:
+  Exclude:
+    - 'spec/rails_helper.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowAliasSyntax, AllowedMethods.
+# AllowedMethods: alias_method, public, protected, private
+Layout/EmptyLinesAroundAttributeAccessor:
+  Exclude:
+    - 'lib/payment_services/paylama/payout_adapter.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle.
+# SupportedStyles: empty_lines, no_empty_lines
+Layout/EmptyLinesAroundBlockBody:
+  Exclude:
+    - 'spec/payment_services/rbk/payout_destination_spec.rb'
+    - 'spec/payment_services/rbk/payout_spec.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle.
+# SupportedStyles: empty_lines, empty_lines_except_namespace, empty_lines_special, no_empty_lines, beginning_only, ending_only
+Layout/EmptyLinesAroundClassBody:
+  Exclude:
+    - 'lib/payment_services/payeer/payout_adapter.rb'
+
+# Offense count: 12
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowForAlignment, AllowBeforeTrailingComments, ForceEqualSignAlignment.
+Layout/ExtraSpacing:
+  Exclude:
+    - 'lib/payment_services/any_pay/invoice.rb'
+    - 'lib/payment_services/any_pay/payout.rb'
+    - 'lib/payment_services/binance/payout_adapter.rb'
+    - 'lib/payment_services/blockchair/client.rb'
+    - 'lib/payment_services/coin_payments_hub/invoice.rb'
+    - 'lib/payment_services/crypto_apis_v2/blockchain.rb'
+    - 'lib/payment_services/crypto_apis_v2/client.rb'
+    - 'lib/payment_services/master_processing/client.rb'
+    - 'lib/payment_services/one_crypto/invoice.rb'
+    - 'lib/payment_services/transfera/invoicer.rb'
+
+# Offense count: 13
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle, IndentationWidth.
+# SupportedStyles: consistent, consistent_relative_to_receiver, special_for_inner_method_call, special_for_inner_method_call_in_parentheses
+Layout/FirstArgumentIndentation:
+  Exclude:
+    - 'lib/payment_services/any_pay/client.rb'
+    - 'lib/payment_services/best_api/client.rb'
+    - 'lib/payment_services/block_io/client.rb'
+    - 'lib/payment_services/crypto_apis/payout_clients/base_client.rb'
+    - 'lib/payment_services/crypto_apis/payout_clients/ethereum_client.rb'
+    - 'lib/payment_services/crypto_apis/payout_clients/omni_client.rb'
+    - 'lib/payment_services/crypto_apis_v2/client.rb'
+    - 'lib/payment_services/ex_pay/client.rb'
+    - 'lib/payment_services/one_crypto/client.rb'
+    - 'lib/payment_services/tronscan/client.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: IndentationWidth.
+# SupportedStyles: special_inside_parentheses, consistent, align_braces
+Layout/FirstHashElementIndentation:
+  EnforcedStyle: consistent
+
+# Offense count: 162
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowMultipleStyles, EnforcedHashRocketStyle, EnforcedColonStyle, EnforcedLastArgumentHashStyle.
+# SupportedHashRocketStyles: key, separator, table
+# SupportedColonStyles: key, separator, table
+# SupportedLastArgumentHashStyles: always_inspect, always_ignore, ignore_implicit, ignore_explicit
+Layout/HashAlignment:
+  Enabled: false
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle, IndentationWidth.
+# SupportedStyles: aligned, indented, indented_relative_to_receiver
+Layout/MultilineMethodCallIndentation:
+  Exclude:
+    - 'lib/payment_services/crypto_apis_v2/client.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle, IndentationWidth.
+# SupportedStyles: aligned, indented
+Layout/MultilineOperationIndentation:
+  Exclude:
+    - 'lib/payment_services/base/p2p_bank_resolver.rb'
+
+# Offense count: 7
+# This cop supports safe autocorrection (--autocorrect).
+Layout/SpaceAfterComma:
+  Exclude:
+    - 'lib/payment_services/binance/invoicer.rb'
+    - 'lib/payment_services/crypto_apis/invoicer.rb'
+    - 'lib/payment_services/crypto_apis_v2/transaction_repository.rb'
+    - 'lib/payment_services/exmo/invoicer.rb'
+    - 'lib/payment_services/paylama_crypto/transaction.rb'
+
+# Offense count: 14
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowForAlignment, EnforcedStyleForExponentOperator, EnforcedStyleForRationalLiterals.
+# SupportedStylesForExponentOperator: space, no_space
+# SupportedStylesForRationalLiterals: space, no_space
+Layout/SpaceAroundOperators:
+  Exclude:
+    - 'lib/payment_services/any_pay/invoice.rb'
+    - 'lib/payment_services/any_pay/payout.rb'
+    - 'lib/payment_services/base/p2p_bank_resolver.rb'
+    - 'lib/payment_services/blockchair/client.rb'
+    - 'lib/payment_services/bridgex/client.rb'
+    - 'lib/payment_services/coin_payments_hub/client.rb'
+    - 'lib/payment_services/coin_payments_hub/invoice.rb'
+    - 'lib/payment_services/crypto_apis_v2/blockchain.rb'
+    - 'lib/payment_services/crypto_apis_v2/client.rb'
+    - 'lib/payment_services/exmo/client.rb'
+    - 'lib/payment_services/master_processing/client.rb'
+    - 'lib/payment_services/payeer/client.rb'
+    - 'lib/payment_services/transfera/invoicer.rb'
+    - 'lib/payment_services/tronscan/transaction_matcher.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle.
+# SupportedStyles: space, compact, no_space
+Layout/SpaceInsideParens:
+  Exclude:
+    - 'lib/payment_services/cryptomus/payout_adapter.rb'
+
+# Offense count: 18
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle.
+# SupportedStyles: final_newline, final_blank_line
+Layout/TrailingEmptyLines:
+  Enabled: false
+
+# Offense count: 23
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowInHeredoc.
+Layout/TrailingWhitespace:
+  Enabled: false
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+Lint/DeprecatedOpenSSLConstant:
+  Exclude:
+    - 'lib/payment_services/merchant_alikassa/client.rb'
+    - 'lib/payment_services/merchant_alikassa_virtual/client.rb'
+
+# Offense count: 4
+Lint/FloatComparison:
+  Exclude:
+    - 'lib/payment_services/payeer/invoice.rb'
+    - 'lib/payment_services/tronscan/transaction_matcher.rb'
+    - 'lib/payment_services/x_pay_pro/invoicer.rb'
+    - 'lib/payment_services/x_pay_pro_virtual/invoicer.rb'
+
+# Offense count: 2
+Lint/IneffectiveAccessModifier:
+  Exclude:
+    - 'lib/payment_services/master_processing/response.rb'
+
+# Offense count: 35
+# Configuration parameters: AllowedParentClasses.
+Lint/MissingSuper:
+  Enabled: false
+
+# Offense count: 5
+# This cop supports safe autocorrection (--autocorrect).
+Lint/RedundantStringCoercion:
+  Exclude:
+    - 'lib/payment_services/block_io/client.rb'
+    - 'lib/payment_services/erapay/invoicer.rb'
+    - 'lib/payment_services/fire_kassa/invoicer.rb'
+    - 'lib/payment_services/liquid/payout_adapter.rb'
+
+# Offense count: 2
+Lint/RescueException:
+  Exclude:
+    - 'lib/payment_services/block_io/client.rb'
+
+# Offense count: 1
+Lint/ShadowedException:
+  Exclude:
+    - 'lib/payment_services/block_io/client.rb'
+
+# Offense count: 112
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowUnusedKeywordArguments, IgnoreEmptyMethods, IgnoreNotImplementedMethods, NotImplementedExceptions.
+# NotImplementedExceptions: NotImplementedError
+Lint/UnusedMethodArgument:
+  Enabled: false
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: ContextCreatingMethods, MethodCreatingMethods.
+Lint/UselessAccessModifier:
+  Exclude:
+    - 'lib/payment_services/manual_by_group/invoicer.rb'
+    - 'lib/payment_services/master_processing/response.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+Lint/UselessAssignment:
+  Exclude:
+    - 'lib/payment_services/base/client.rb'
+    - 'spec/unit/base_client_spec.rb'
+
+# Offense count: 57
+# Configuration parameters: AllowedMethods, AllowedPatterns, CountRepeatedAttributes.
 Metrics/AbcSize:
-  Max: 52
+  Max: 77
+
+# Offense count: 23
+# Configuration parameters: CountComments, CountAsOne, AllowedMethods, AllowedPatterns.
+# AllowedMethods: refine
+Metrics/BlockLength:
+  Max: 152
+
+# Offense count: 4
+# Configuration parameters: CountComments, CountAsOne.
+Metrics/ClassLength:
+  Max: 487
+
+# Offense count: 1
+# Configuration parameters: AllowedMethods, AllowedPatterns.
+Metrics/CyclomaticComplexity:
+  Max: 20
 
-# Configuration parameters: CountComments, ExcludedMethods.
+# Offense count: 68
+# Configuration parameters: CountComments, CountAsOne, AllowedMethods, AllowedPatterns.
 Metrics/MethodLength:
-  Max: 25
+  Max: 24
+
+# Offense count: 1
+# Configuration parameters: CountKeywordArgs, MaxOptionalParameters.
+Metrics/ParameterLists:
+  Max: 6
+
+# Offense count: 1
+# Configuration parameters: AllowedMethods, AllowedPatterns.
+Metrics/PerceivedComplexity:
+  Max: 20
 
 # Offense count: 2
 Naming/AccessorMethodName:
@@ -20,11 +286,369 @@ Naming/AccessorMethodName:
     - 'lib/payment_services/qiwi/client.rb'
     - 'lib/payment_services/qiwi/importer.rb'
 
-# Offense count: 40
+# Offense count: 1
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: EnforcedStyleForLeadingUnderscores.
+# SupportedStylesForLeadingUnderscores: disallowed, required, optional
+Naming/MemoizedInstanceVariableName:
+  Exclude:
+    - 'lib/payment_services/appex_money/payout_adapter.rb'
+
+# Offense count: 1
+# Configuration parameters: NamePrefix, ForbiddenPrefixes, AllowedMethods, MethodDefinitionMacros, UseSorbetSigs.
+# NamePrefix: is_, has_, have_, does_
+# ForbiddenPrefixes: is_, has_, have_, does_
+# AllowedMethods: is_a?
+# MethodDefinitionMacros: define_method, define_singleton_method
+Naming/PredicatePrefix:
+  Exclude:
+    - 'spec/**/*'
+    - 'lib/payment_services/binance/payout.rb'
+
+# Offense count: 15
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: PreferredName.
+Naming/RescuedExceptionsVariableName:
+  Exclude:
+    - 'lib/payment_services/adv_cash/client.rb'
+    - 'lib/payment_services/ali_kassa/client.rb'
+    - 'lib/payment_services/any_money/client.rb'
+    - 'lib/payment_services/appex_money/client.rb'
+    - 'lib/payment_services/base/client.rb'
+    - 'lib/payment_services/block_io/client.rb'
+    - 'lib/payment_services/crypto_apis/clients/base_client.rb'
+    - 'lib/payment_services/kuna/client.rb'
+    - 'lib/payment_services/liquid/client.rb'
+    - 'lib/payment_services/obmenka/client.rb'
+    - 'lib/payment_services/perfect_money/client.rb'
+    - 'lib/payment_services/qiwi/payment_order_support.rb'
+    - 'lib/payment_services/rbk/client.rb'
+    - 'spec/unit/base_client_spec.rb'
+
+# Offense count: 5
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle, ProceduralMethods, FunctionalMethods, AllowedMethods, AllowedPatterns, AllowBracesOnProceduralOneLiners, BracesRequiredMethods.
+# SupportedStyles: line_count_based, semantic, braces_for_chaining, always_braces
+# ProceduralMethods: benchmark, bm, bmbm, create, each_with_object, measure, new, realtime, tap, with_object
+# FunctionalMethods: let, let!, subject, watch
+# AllowedMethods: lambda, proc, it
+Style/BlockDelimiters:
+  Exclude:
+    - 'spec/payment_services/base/client_spec.rb'
+    - 'spec/payment_services/rbk/payout_destination_spec.rb'
+    - 'spec/payment_services/rbk/payout_spec.rb'
+    - 'spec/unit/base_client_spec.rb'
+
+# Offense count: 2
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: MinBranchesCount.
+Style/CaseLikeIf:
+  Exclude:
+    - 'lib/payment_services/base/client.rb'
+    - 'spec/unit/base_client_spec.rb'
+
+# Offense count: 251
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: EnforcedStyle, EnforcedStyleForClasses, EnforcedStyleForModules.
+# SupportedStyles: nested, compact
+# SupportedStylesForClasses: ~, nested, compact
+# SupportedStylesForModules: ~, nested, compact
+Style/ClassAndModuleChildren:
+  Enabled: false
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+Style/ColonMethodCall:
+  Exclude:
+    - 'lib/payment_services/merchant_alikassa/client.rb'
+    - 'lib/payment_services/merchant_alikassa_virtual/client.rb'
+
+# Offense count: 5
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: Keywords, RequireColon.
+# Keywords: TODO, FIXME, OPTIMIZE, HACK, REVIEW, NOTE
+Style/CommentAnnotation:
+  Exclude:
+    - 'lib/blockchain_com_client.rb'
+    - 'lib/payment_services/rbk/customer.rb'
+    - 'lib/payment_services/rbk/invoicer.rb'
+    - 'lib/payment_services/rbk/payment_card.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle, SingleLineConditionsOnly, IncludeTernaryExpressions.
+# SupportedStyles: assign_to_condition, assign_inside_condition
+Style/ConditionalAssignment:
+  Exclude:
+    - 'lib/payment_services/tronscan/client.rb'
+
+# Offense count: 315
+# Configuration parameters: AllowedConstants.
 Style/Documentation:
   Enabled: false
 
-# Offense count: 24
-# Configuration parameters: MinBodyLength.
-Style/ClassAndModuleChildren:
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle.
+# SupportedStyles: format, sprintf, percent
+Style/FormatString:
+  Exclude:
+    - 'lib/payment_services/merchant_alikassa/payout_adapter.rb'
+
+# Offense count: 1
+# This cop supports unsafe autocorrection (--autocorrect-all).
+Style/GlobalStdStream:
+  Exclude:
+    - 'lib/payment_services/auto_logger.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: MinBodyLength, AllowConsecutiveConditionals.
+Style/GuardClause:
+  Exclude:
+    - 'lib/payment_services/pay_for_u/invoicer.rb'
+    - 'lib/payment_services/pay_for_u_h2h/invoicer.rb'
+
+# Offense count: 1
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: AllowedReceivers.
+# AllowedReceivers: Thread.current
+Style/HashEachMethods:
+  Exclude:
+    - 'lib/payment_services/blockchair/transaction_matcher.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+Style/KeywordParametersOrder:
+  Exclude:
+    - 'lib/payment_services/payeer/client.rb'
+
+# Offense count: 5
+Style/MissingRespondToMissing:
+  Exclude:
+    - 'lib/payment_services/blockchair/transaction.rb'
+    - 'lib/payment_services/blockchair/transaction_matcher.rb'
+    - 'lib/payment_services/crypto_apis_v2/transaction.rb'
+    - 'lib/payment_services/crypto_apis_v2/transaction_repository.rb'
+    - 'lib/payment_services/paylama_crypto/transaction.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+Style/MultilineIfModifier:
+  Exclude:
+    - 'lib/payment_services/crypto_apis/invoicer.rb'
+    - 'lib/payment_services/crypto_apis/payout_adapter.rb'
+
+# Offense count: 10
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowMethodComparison, ComparisonsThreshold.
+Style/MultipleComparison:
+  Exclude:
+    - 'lib/payment_services/any_money/payout.rb'
+    - 'lib/payment_services/binance/payout.rb'
+    - 'lib/payment_services/exmo/invoice.rb'
+    - 'lib/payment_services/ff/transaction.rb'
+    - 'lib/payment_services/kuna/payout.rb'
+    - 'lib/payment_services/master_processing/invoice.rb'
+    - 'lib/payment_services/master_processing/payout.rb'
+    - 'lib/payment_services/obmenka/invoice.rb'
+    - 'lib/payment_services/obmenka/payout.rb'
+    - 'lib/payment_services/paylama_crypto/transaction.rb'
+
+# Offense count: 28
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: EnforcedStyle.
+# SupportedStyles: literals, strict
+Style/MutableConstant:
+  Enabled: false
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle.
+# SupportedStyles: both, prefix, postfix
+Style/NegatedIf:
+  Exclude:
+    - 'lib/payment_services/bridgex/invoicer.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: Strict, AllowedNumbers, AllowedPatterns.
+Style/NumericLiterals:
+  MinDigits: 10
+
+# Offense count: 2
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: EnforcedStyle, AllowedMethods, AllowedPatterns.
+# SupportedStyles: predicate, comparison
+Style/NumericPredicate:
+  Exclude:
+    - 'spec/**/*'
+    - 'lib/payment_services/crypto_apis_v2/transaction.rb'
+    - 'lib/payment_services/paylama_crypto/transaction.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+Style/ParallelAssignment:
+  Exclude:
+    - 'lib/payment_services/pay_for_u_h2h/invoicer.rb'
+
+# Offense count: 19
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: PreferredDelimiters.
+Style/PercentLiteralDelimiters:
   Enabled: false
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+Style/RedundantAssignment:
+  Exclude:
+    - 'lib/payment_services/ali_kassa/invoicer.rb'
+    - 'spec/unit/base_client_spec.rb'
+
+# Offense count: 4
+# This cop supports safe autocorrection (--autocorrect).
+Style/RedundantBegin:
+  Exclude:
+    - 'lib/payment_services/appex_money/payout_adapter.rb'
+    - 'lib/payment_services/exmo/payout_adapter.rb'
+    - 'lib/payment_services/kuna/payout_adapter.rb'
+    - 'lib/payment_services/perfect_money/payout_adapter.rb'
+
+# Offense count: 3
+# This cop supports unsafe autocorrection (--autocorrect-all).
+Style/RedundantInterpolation:
+  Exclude:
+    - 'lib/payment_services/merchant_alikassa/client.rb'
+    - 'lib/payment_services/merchant_alikassa_virtual/client.rb'
+    - 'lib/payment_services/panda_pay/client.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+Style/RedundantParentheses:
+  Exclude:
+    - 'lib/payment_services/rbk/customer.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+Style/RescueModifier:
+  Exclude:
+    - 'lib/payment_services/rbk/invoice.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle.
+# SupportedStyles: implicit, explicit
+Style/RescueStandardError:
+  Exclude:
+    - 'lib/payment_services/perfect_money/client.rb'
+    - 'lib/payment_services/rbk/invoice.rb'
+
+# Offense count: 6
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: ConvertCodeThatCanStartToReturnNil, AllowedMethods, MaxChainLength.
+# AllowedMethods: present?, blank?, presence, try, try!
+Style/SafeNavigation:
+  Exclude:
+    - 'lib/payment_services/crypto_apis/invoicer.rb'
+    - 'lib/payment_services/ex_pay/invoicer.rb'
+    - 'lib/payment_services/manual_by_group/invoicer.rb'
+    - 'lib/payment_services/master_processing/invoicer.rb'
+    - 'lib/payment_services/merchant_alikassa_virtual/invoicer.rb'
+    - 'lib/payment_services/obmenka/invoicer.rb'
+
+# Offense count: 7
+# This cop supports unsafe autocorrection (--autocorrect-all).
+Style/SingleArgumentDig:
+  Exclude:
+    - 'lib/payment_services/any_money/payout_adapter.rb'
+    - 'lib/payment_services/any_pay/client.rb'
+    - 'lib/payment_services/appex_money/payout_adapter.rb'
+    - 'lib/payment_services/pay_for_u_h2h/invoicer.rb'
+
+# Offense count: 2
+# This cop supports unsafe autocorrection (--autocorrect-all).
+Style/SlicingWithRange:
+  Exclude:
+    - 'lib/payment_services/any_pay/payout_adapter.rb'
+    - 'lib/payment_services/merchant_alikassa/payout_adapter.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowModifier.
+Style/SoleNestedConditional:
+  Exclude:
+    - 'lib/payment_services/cryptomus/invoicer.rb'
+
+# Offense count: 11
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: Mode.
+Style/StringConcatenation:
+  Exclude:
+    - 'lib/payment_services/appex_money/client.rb'
+    - 'lib/payment_services/base.rb'
+    - 'lib/payment_services/kuna/client.rb'
+    - 'lib/payment_services/liquid/client.rb'
+    - 'lib/payment_services/payeer/client.rb'
+
+# Offense count: 116
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle, ConsistentQuotesInMultiline.
+# SupportedStyles: single_quotes, double_quotes
+Style/StringLiterals:
+  Exclude:
+    - 'lib/payment_services/any_money/invoicer.rb'
+    - 'lib/payment_services/any_pay/client.rb'
+    - 'lib/payment_services/coin_payments_hub/client.rb'
+    - 'lib/payment_services/exmo/client.rb'
+    - 'lib/payment_services/kuna/client.rb'
+    - 'lib/payment_services/liquid/client.rb'
+    - 'lib/payment_services/master_processing/client.rb'
+    - 'lib/payment_services/master_processing/invoicer.rb'
+    - 'lib/payment_services/merchant_alikassa/payout_adapter.rb'
+    - 'spec/support/schema.rb'
+
+# Offense count: 3
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: .
+# SupportedStyles: percent, brackets
+Style/SymbolArray:
+  EnforcedStyle: percent
+  MinSize: 8
+
+# Offense count: 1
+# This cop supports unsafe autocorrection (--autocorrect-all).
+# Configuration parameters: AllowMethodsWithArguments, AllowedMethods, AllowedPatterns, AllowComments.
+# AllowedMethods: define_method
+Style/SymbolProc:
+  Exclude:
+    - 'lib/payment_services/blockchair/transaction_matcher.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyle, AllowSafeAssignment.
+# SupportedStyles: require_parentheses, require_no_parentheses, require_parentheses_when_complex
+Style/TernaryParentheses:
+  Exclude:
+    - 'lib/payment_services/paylama/invoicer.rb'
+
+# Offense count: 2
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: EnforcedStyleForMultiline.
+# SupportedStylesForMultiline: comma, consistent_comma, diff_comma, no_comma
+Style/TrailingCommaInHashLiteral:
+  Exclude:
+    - 'lib/payment_services/blockchair/blockchain.rb'
+    - 'lib/payment_services/bovapay/invoicer.rb'
+
+# Offense count: 1
+# This cop supports safe autocorrection (--autocorrect).
+Style/UnlessElse:
+  Exclude:
+    - 'lib/payment_services/crypto_apis_v2/payout_adapter.rb'
+
+# Offense count: 88
+# This cop supports safe autocorrection (--autocorrect).
+# Configuration parameters: AllowHeredoc, AllowURI, AllowQualifiedName, URISchemes, IgnoreCopDirectives, AllowedPatterns, SplitStrings.
+# URISchemes: http, https
+Layout/LineLength:
+  Max: 199
diff --git a/.ruby-version b/.ruby-version
index 59aa62c1..f092941a 100644
--- a/.ruby-version
+++ b/.ruby-version
@@ -1 +1 @@
-2.4.5
+3.2.8
diff --git a/Gemfile.lock b/Gemfile.lock
index 6e87d787..6bf1feba 100644
--- a/Gemfile.lock
+++ b/Gemfile.lock
@@ -2,85 +2,307 @@ PATH
   remote: .
   specs:
     payment_services (0.1.0)
+      activerecord
       activesupport
+      auto_logger (~> 0.1.4)
+      block_io
       jwt
+      money-rails
       virtus
-      workflow
+      workflow-activerecord
 
 GEM
   remote: https://rubygems.org/
   specs:
-    activesupport (5.2.2)
-      concurrent-ruby (~> 1.0, >= 1.0.2)
-      i18n (>= 0.7, < 2)
-      minitest (~> 5.1)
-      tzinfo (~> 1.1)
-    ast (2.4.0)
+    actionpack (8.0.3)
+      actionview (= 8.0.3)
+      activesupport (= 8.0.3)
+      nokogiri (>= 1.8.5)
+      rack (>= 2.2.4)
+      rack-session (>= 1.0.1)
+      rack-test (>= 0.6.3)
+      rails-dom-testing (~> 2.2)
+      rails-html-sanitizer (~> 1.6)
+      useragent (~> 0.16)
+    actionview (8.0.3)
+      activesupport (= 8.0.3)
+      builder (~> 3.1)
+      erubi (~> 1.11)
+      rails-dom-testing (~> 2.2)
+      rails-html-sanitizer (~> 1.6)
+    activemodel (8.0.3)
+      activesupport (= 8.0.3)
+    activerecord (8.0.3)
+      activemodel (= 8.0.3)
+      activesupport (= 8.0.3)
+      timeout (>= 0.4.0)
+    activesupport (8.0.3)
+      base64
+      benchmark (>= 0.3)
+      bigdecimal
+      concurrent-ruby (~> 1.0, >= 1.3.1)
+      connection_pool (>= 2.2.5)
+      drb
+      i18n (>= 1.6, < 2)
+      logger (>= 1.4.2)
+      minitest (>= 5.1)
+      securerandom (>= 0.3)
+      tzinfo (~> 2.0, >= 2.0.5)
+      uri (>= 0.13.1)
+    ast (2.4.3)
+    auto_logger (0.1.7)
+      activesupport
+      beautiful-log
+    awesome_print (1.8.0)
     axiom-types (0.1.1)
       descendants_tracker (~> 0.0.4)
       ice_nine (~> 0.11.0)
       thread_safe (~> 0.3, >= 0.3.1)
+    base32 (0.3.4)
+    base64 (0.3.0)
+    beautiful-log (0.2.2)
+      awesome_print (~> 1.8.0)
+      colorize (~> 0.8.1)
+    bech32 (1.5.0)
+      thor (>= 1.1.0)
+    benchmark (0.4.1)
+    bigdecimal (3.3.1)
+    bip-schnorr (0.7.0)
+      ecdsa_ext (~> 0.5.0)
+    bitcoinrb (1.7.0)
+      base32 (>= 0.3.4)
+      bech32 (>= 1.3.0)
+      bip-schnorr (>= 0.7.0)
+      daemon-spawn
+      ecdsa_ext (~> 0.5.1)
+      eventmachine
+      eventmachine_httpserver
+      ffi
+      iniparse
+      json_pure (>= 2.3.1)
+      leb128 (~> 1.0.0)
+      murmurhash3 (~> 0.1.7)
+      siphash
+      thor
+    block_io (3.1.0)
+      bitcoinrb (>= 1.2.1, < 2)
+      oj (~> 3.0, < 4)
+      typhoeus (~> 1.0, < 2)
+    builder (3.3.0)
     coercible (1.0.0)
       descendants_tracker (~> 0.0.1)
-    concurrent-ruby (1.1.4)
+    colorize (0.8.1)
+    concurrent-ruby (1.3.5)
+    connection_pool (2.5.4)
+    crass (1.0.6)
+    daemon-spawn (0.4.2)
+    database_cleaner-active_record (2.2.2)
+      activerecord (>= 5.a)
+      database_cleaner-core (~> 2.0)
+    database_cleaner-core (2.0.1)
+    date (3.4.1)
     descendants_tracker (0.0.4)
       thread_safe (~> 0.3, >= 0.3.1)
-    diff-lcs (1.3)
-    equalizer (0.0.11)
-    i18n (1.2.0)
+    diff-lcs (1.6.2)
+    drb (2.2.3)
+    ecdsa (1.2.0)
+    ecdsa_ext (0.5.1)
+      ecdsa (~> 1.2.0)
+    erb (5.1.1)
+    erubi (1.13.1)
+    ethon (0.15.0)
+      ffi (>= 1.15.0)
+    eventmachine (1.2.7)
+    eventmachine_httpserver (0.2.1)
+    ffi (1.17.2)
+    ffi (1.17.2-aarch64-linux-gnu)
+    ffi (1.17.2-aarch64-linux-musl)
+    ffi (1.17.2-arm-linux-gnu)
+    ffi (1.17.2-arm-linux-musl)
+    ffi (1.17.2-arm64-darwin)
+    ffi (1.17.2-x86_64-darwin)
+    ffi (1.17.2-x86_64-linux-gnu)
+    ffi (1.17.2-x86_64-linux-musl)
+    i18n (1.14.7)
       concurrent-ruby (~> 1.0)
     ice_nine (0.11.2)
-    jaro_winkler (1.5.1)
-    jwt (2.1.0)
-    minitest (5.11.3)
-    parallel (1.12.1)
-    parser (2.5.3.0)
-      ast (~> 2.4.0)
-    powerpack (0.1.2)
-    rainbow (3.0.0)
-    rake (10.5.0)
-    rspec (3.8.0)
-      rspec-core (~> 3.8.0)
-      rspec-expectations (~> 3.8.0)
-      rspec-mocks (~> 3.8.0)
-    rspec-core (3.8.0)
-      rspec-support (~> 3.8.0)
-    rspec-expectations (3.8.1)
+    iniparse (1.5.0)
+    io-console (0.8.1)
+    irb (1.15.2)
+      pp (>= 0.6.0)
+      rdoc (>= 4.0.0)
+      reline (>= 0.4.2)
+    json (2.15.1)
+    json_pure (2.8.1)
+    jwt (3.1.2)
+      base64
+    language_server-protocol (3.17.0.5)
+    leb128 (1.0.0)
+    lint_roller (1.1.0)
+    logger (1.7.0)
+    loofah (2.24.1)
+      crass (~> 1.0.2)
+      nokogiri (>= 1.12.0)
+    minitest (5.26.0)
+    monetize (1.13.0)
+      money (~> 6.12)
+    money (6.19.0)
+      i18n (>= 0.6.4, <= 2)
+    money-rails (1.15.0)
+      activesupport (>= 3.0)
+      monetize (~> 1.9)
+      money (~> 6.13)
+      railties (>= 3.0)
+    murmurhash3 (0.1.7)
+    nokogiri (1.18.10-aarch64-linux-gnu)
+      racc (~> 1.4)
+    nokogiri (1.18.10-aarch64-linux-musl)
+      racc (~> 1.4)
+    nokogiri (1.18.10-arm-linux-gnu)
+      racc (~> 1.4)
+    nokogiri (1.18.10-arm-linux-musl)
+      racc (~> 1.4)
+    nokogiri (1.18.10-arm64-darwin)
+      racc (~> 1.4)
+    nokogiri (1.18.10-x86_64-darwin)
+      racc (~> 1.4)
+    nokogiri (1.18.10-x86_64-linux-gnu)
+      racc (~> 1.4)
+    nokogiri (1.18.10-x86_64-linux-musl)
+      racc (~> 1.4)
+    oj (3.16.11)
+      bigdecimal (>= 3.0)
+      ostruct (>= 0.2)
+    ostruct (0.6.3)
+    parallel (1.27.0)
+    parser (3.3.9.0)
+      ast (~> 2.4.1)
+      racc
+    pp (0.6.3)
+      prettyprint
+    prettyprint (0.2.0)
+    prism (1.6.0)
+    psych (5.2.6)
+      date
+      stringio
+    racc (1.8.1)
+    rack (3.2.3)
+    rack-session (2.1.1)
+      base64 (>= 0.1.0)
+      rack (>= 3.0.0)
+    rack-test (2.2.0)
+      rack (>= 1.3)
+    rackup (2.2.1)
+      rack (>= 3)
+    rails-dom-testing (2.3.0)
+      activesupport (>= 5.0.0)
+      minitest
+      nokogiri (>= 1.6)
+    rails-html-sanitizer (1.6.2)
+      loofah (~> 2.21)
+      nokogiri (>= 1.15.7, != 1.16.7, != 1.16.6, != 1.16.5, != 1.16.4, != 1.16.3, != 1.16.2, != 1.16.1, != 1.16.0.rc1, != 1.16.0)
+    railties (8.0.3)
+      actionpack (= 8.0.3)
+      activesupport (= 8.0.3)
+      irb (~> 1.13)
+      rackup (>= 1.0.0)
+      rake (>= 12.2)
+      thor (~> 1.0, >= 1.2.2)
+      tsort (>= 0.2)
+      zeitwerk (~> 2.6)
+    rainbow (3.1.1)
+    rake (13.3.0)
+    rdoc (6.15.0)
+      erb
+      psych (>= 4.0.0)
+      tsort
+    regexp_parser (2.11.3)
+    reline (0.6.2)
+      io-console (~> 0.5)
+    rspec (3.13.1)
+      rspec-core (~> 3.13.0)
+      rspec-expectations (~> 3.13.0)
+      rspec-mocks (~> 3.13.0)
+    rspec-core (3.13.5)
+      rspec-support (~> 3.13.0)
+    rspec-expectations (3.13.5)
       diff-lcs (>= 1.2.0, < 2.0)
-      rspec-support (~> 3.8.0)
-    rspec-mocks (3.8.0)
+      rspec-support (~> 3.13.0)
+    rspec-mocks (3.13.6)
       diff-lcs (>= 1.2.0, < 2.0)
-      rspec-support (~> 3.8.0)
-    rspec-support (3.8.0)
-    rubocop (0.61.1)
-      jaro_winkler (~> 1.5.1)
+      rspec-support (~> 3.13.0)
+    rspec-support (3.13.6)
+    rubocop (1.81.1)
+      json (~> 2.3)
+      language_server-protocol (~> 3.17.0.2)
+      lint_roller (~> 1.1.0)
       parallel (~> 1.10)
-      parser (>= 2.5, != 2.5.1.1)
-      powerpack (~> 0.1)
+      parser (>= 3.3.0.2)
       rainbow (>= 2.2.2, < 4.0)
+      regexp_parser (>= 2.9.3, < 3.0)
+      rubocop-ast (>= 1.47.1, < 2.0)
       ruby-progressbar (~> 1.7)
-      unicode-display_width (~> 1.4.0)
-    ruby-progressbar (1.10.0)
+      unicode-display_width (>= 2.4.0, < 4.0)
+    rubocop-ast (1.47.1)
+      parser (>= 3.3.7.2)
+      prism (~> 1.4)
+    ruby-progressbar (1.13.0)
+    securerandom (0.4.1)
+    shoulda-matchers (6.5.0)
+      activesupport (>= 5.2.0)
+    siphash (0.0.1)
+    sqlite3 (2.7.4-aarch64-linux-gnu)
+    sqlite3 (2.7.4-aarch64-linux-musl)
+    sqlite3 (2.7.4-arm-linux-gnu)
+    sqlite3 (2.7.4-arm-linux-musl)
+    sqlite3 (2.7.4-arm64-darwin)
+    sqlite3 (2.7.4-x86_64-darwin)
+    sqlite3 (2.7.4-x86_64-linux-gnu)
+    sqlite3 (2.7.4-x86_64-linux-musl)
+    stringio (3.1.7)
+    thor (1.4.0)
     thread_safe (0.3.6)
-    tzinfo (1.2.5)
-      thread_safe (~> 0.1)
-    unicode-display_width (1.4.0)
-    virtus (1.0.5)
+    timeout (0.4.3)
+    tsort (0.2.0)
+    typhoeus (1.5.0)
+      ethon (>= 0.9.0, < 0.16.0)
+    tzinfo (2.0.6)
+      concurrent-ruby (~> 1.0)
+    unicode-display_width (3.2.0)
+      unicode-emoji (~> 4.1)
+    unicode-emoji (4.1.0)
+    uri (1.0.4)
+    useragent (0.16.11)
+    virtus (2.0.0)
       axiom-types (~> 0.1)
       coercible (~> 1.0)
       descendants_tracker (~> 0.0, >= 0.0.3)
-      equalizer (~> 0.0, >= 0.0.9)
-    workflow (1.2.0)
+    workflow (3.1.1)
+    workflow-activerecord (6.0.1)
+      activerecord (>= 6.0)
+      workflow (~> 3.0)
+    zeitwerk (2.7.3)
 
 PLATFORMS
-  ruby
+  aarch64-linux-gnu
+  aarch64-linux-musl
+  arm-linux-gnu
+  arm-linux-musl
+  arm64-darwin
+  x86_64-darwin
+  x86_64-linux
+  x86_64-linux-gnu
+  x86_64-linux-musl
 
 DEPENDENCIES
-  bundler (~> 1.16)
+  bundler
+  database_cleaner-active_record
   payment_services!
-  rake (~> 10.0)
-  rspec (~> 3.0)
-  rubocop (~> 0.61)
+  rake
+  rspec
+  rubocop
+  shoulda-matchers
+  sqlite3
 
 BUNDLED WITH
-   1.17.1
+   2.7.2
diff --git a/config/database.yml b/config/database.yml
new file mode 100644
index 00000000..75b1f136
--- /dev/null
+++ b/config/database.yml
@@ -0,0 +1,7 @@
+# frozen_string_literal: true
+
+test:
+  adapter: sqlite3
+  database: ':memory:'
+  pool: 5
+  timeout: 5000
\ No newline at end of file
diff --git a/lib/payment_services.rb b/lib/payment_services.rb
index 58680b6d..f5c010a9 100644
--- a/lib/payment_services.rb
+++ b/lib/payment_services.rb
@@ -4,13 +4,20 @@
 
 require 'payment_services/version'
 require 'payment_services/configuration'
+require 'payment_services/auto_logger'
+require 'workflow-activerecord'
+require 'money'
 
 module PaymentServices
   class << self
     attr_reader :configuration
   end
 
+  # Set explicit rounding mode to avoid deprecation warning
+  Money.rounding_mode = BigDecimal::ROUND_HALF_UP
+
   require 'payment_services/base'
+  require 'payment_services/application_record'
   require 'payment_services/base/invoicer'
   require 'payment_services/base/payout_adapter'
   require 'payment_services/base/client'
diff --git a/lib/payment_services/adv_cash/payout.rb b/lib/payment_services/adv_cash/payout.rb
index 9a66d1ef..6617c9aa 100644
--- a/lib/payment_services/adv_cash/payout.rb
+++ b/lib/payment_services/adv_cash/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::AdvCash
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'advcash_payouts'
 
diff --git a/lib/payment_services/ali_kassa/invoice.rb b/lib/payment_services/ali_kassa/invoice.rb
index 471e5e3f..2db3d16f 100644
--- a/lib/payment_services/ali_kassa/invoice.rb
+++ b/lib/payment_services/ali_kassa/invoice.rb
@@ -3,8 +3,8 @@
 # Copyright (c) 2018 FINFEX https://github.com/finfex
 
 class PaymentServices::AliKassa
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'ali_kassa_invoices'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/ali_kassa_peer_to_peer/invoice.rb b/lib/payment_services/ali_kassa_peer_to_peer/invoice.rb
index 83b5cf5b..d9c85cd7 100644
--- a/lib/payment_services/ali_kassa_peer_to_peer/invoice.rb
+++ b/lib/payment_services/ali_kassa_peer_to_peer/invoice.rb
@@ -3,8 +3,8 @@
 # Copyright (c) 2018 FINFEX https://github.com/finfex
 
 class PaymentServices::AliKassaPeerToPeer
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'ali_kassa_p2p_invoices'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/any_money/invoice.rb b/lib/payment_services/any_money/invoice.rb
index 4b574993..6eb682c6 100644
--- a/lib/payment_services/any_money/invoice.rb
+++ b/lib/payment_services/any_money/invoice.rb
@@ -3,8 +3,8 @@
 # Copyright (c) 2018 FINFEX https://github.com/finfex
 
 class PaymentServices::AnyMoney
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'any_money_invoices'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/any_money/payout.rb b/lib/payment_services/any_money/payout.rb
index 71b67d4d..ed3ec2fb 100644
--- a/lib/payment_services/any_money/payout.rb
+++ b/lib/payment_services/any_money/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::AnyMoney
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'any_money_payouts'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/appex_money/payout.rb b/lib/payment_services/appex_money/payout.rb
index 7fd090e2..474b238a 100644
--- a/lib/payment_services/appex_money/payout.rb
+++ b/lib/payment_services/appex_money/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::AppexMoney
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'appex_money_payouts'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/application_record.rb b/lib/payment_services/application_record.rb
new file mode 100644
index 00000000..98a83371
--- /dev/null
+++ b/lib/payment_services/application_record.rb
@@ -0,0 +1,13 @@
+# frozen_string_literal: true
+
+require 'active_record'
+require 'money-rails'
+require 'money-rails/active_record/monetizable'
+require 'money-rails/active_model/validator'
+
+module PaymentServices
+  class ApplicationRecord < ActiveRecord::Base
+    self.abstract_class = true
+    include MoneyRails::ActiveRecord::Monetizable
+  end
+end
diff --git a/lib/payment_services/auto_logger.rb b/lib/payment_services/auto_logger.rb
new file mode 100644
index 00000000..2d805d47
--- /dev/null
+++ b/lib/payment_services/auto_logger.rb
@@ -0,0 +1,9 @@
+# frozen_string_literal: true
+
+require 'logger'
+
+module AutoLogger
+  def logger
+    @logger ||= Logger.new(STDOUT)
+  end
+end
\ No newline at end of file
diff --git a/lib/payment_services/base/crypto_invoice.rb b/lib/payment_services/base/crypto_invoice.rb
index 745a62d1..6377d13f 100644
--- a/lib/payment_services/base/crypto_invoice.rb
+++ b/lib/payment_services/base/crypto_invoice.rb
@@ -1,8 +1,10 @@
 # frozen_string_literal: true
 
 class PaymentServices::Base
-  class CryptoInvoice < ActiveRecord::Base
-    include Workflow
+  class CryptoInvoice < PaymentServices::ApplicationRecord
+    self.abstract_class = true
+
+    include WorkflowActiverecord
 
     scope :ordered, -> { order(id: :desc) }
 
diff --git a/lib/payment_services/base/crypto_payout.rb b/lib/payment_services/base/crypto_payout.rb
index e4a1c489..45f951d6 100644
--- a/lib/payment_services/base/crypto_payout.rb
+++ b/lib/payment_services/base/crypto_payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Base
-  class CryptoPayout < ActiveRecord::Base
-    include Workflow
+  class CryptoPayout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     scope :ordered, -> { order(id: :desc) }
 
diff --git a/lib/payment_services/base/fiat_invoice.rb b/lib/payment_services/base/fiat_invoice.rb
index 162985a8..032c658d 100644
--- a/lib/payment_services/base/fiat_invoice.rb
+++ b/lib/payment_services/base/fiat_invoice.rb
@@ -1,10 +1,10 @@
 # frozen_string_literal: true
 
 class PaymentServices::Base
-  class FiatInvoice < ActiveRecord::Base
+  class FiatInvoice < PaymentServices::ApplicationRecord
     self.abstract_class = true
 
-    include Workflow
+    include WorkflowActiverecord
 
     scope :ordered, -> { order(id: :desc) }
 
diff --git a/lib/payment_services/base/fiat_payout.rb b/lib/payment_services/base/fiat_payout.rb
index e27d767c..d54a2d0a 100644
--- a/lib/payment_services/base/fiat_payout.rb
+++ b/lib/payment_services/base/fiat_payout.rb
@@ -1,10 +1,10 @@
 # frozen_string_literal: true
 
 class PaymentServices::Base
-  class FiatPayout < ActiveRecord::Base
+  class FiatPayout < PaymentServices::ApplicationRecord
     self.abstract_class = true
 
-    include Workflow
+    include WorkflowActiverecord
 
     scope :ordered, -> { order(id: :desc) }
 
diff --git a/lib/payment_services/binance/invoice.rb b/lib/payment_services/binance/invoice.rb
index 4b1ca5ea..e7d6ecf0 100644
--- a/lib/payment_services/binance/invoice.rb
+++ b/lib/payment_services/binance/invoice.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Binance
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     BINANCE_SUCCESS = [1, 6]
     BINANCE_FAILED  = 3
diff --git a/lib/payment_services/binance/payout.rb b/lib/payment_services/binance/payout.rb
index 61bdabd9..42c53e48 100644
--- a/lib/payment_services/binance/payout.rb
+++ b/lib/payment_services/binance/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Binance
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     BINANCE_SUCCESS  = 6
     BINANCE_REJECTED = 3
diff --git a/lib/payment_services/block_io/invoice.rb b/lib/payment_services/block_io/invoice.rb
index 1222e333..0ce2991e 100644
--- a/lib/payment_services/block_io/invoice.rb
+++ b/lib/payment_services/block_io/invoice.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::BlockIo
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'block_io_invoices'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/block_io/payout.rb b/lib/payment_services/block_io/payout.rb
index 47a5635e..bc7d9e44 100644
--- a/lib/payment_services/block_io/payout.rb
+++ b/lib/payment_services/block_io/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::BlockIo
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'block_io_payouts'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/crypto_apis/invoice.rb b/lib/payment_services/crypto_apis/invoice.rb
index 39357fe1..a727d96e 100644
--- a/lib/payment_services/crypto_apis/invoice.rb
+++ b/lib/payment_services/crypto_apis/invoice.rb
@@ -3,9 +3,9 @@
 # Copyright (c) 2020 FINFEX https://github.com/finfex
 
 class PaymentServices::CryptoApis
-  class Invoice < ApplicationRecord
+  class Invoice < PaymentServices::ApplicationRecord
     CONFIRMATIONS_FOR_COMPLETE = 1
-    include Workflow
+    include WorkflowActiverecord
     self.table_name = 'crypto_apis_invoices'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/crypto_apis/payout.rb b/lib/payment_services/crypto_apis/payout.rb
index 6cfd44ec..09e9933d 100644
--- a/lib/payment_services/crypto_apis/payout.rb
+++ b/lib/payment_services/crypto_apis/payout.rb
@@ -1,9 +1,9 @@
 # frozen_string_literal: true
 
 class PaymentServices::CryptoApis
-  class Payout < ApplicationRecord
+  class Payout < PaymentServices::ApplicationRecord
     CONFIRMATIONS_FOR_COMPLETE = 1
-    include Workflow
+    include WorkflowActiverecord
     self.table_name = 'crypto_apis_payouts'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/crypto_apis_v2/invoice.rb b/lib/payment_services/crypto_apis_v2/invoice.rb
index 9f2dcbb1..175e1753 100644
--- a/lib/payment_services/crypto_apis_v2/invoice.rb
+++ b/lib/payment_services/crypto_apis_v2/invoice.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::CryptoApisV2
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'crypto_apis_invoices'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/crypto_apis_v2/payout.rb b/lib/payment_services/crypto_apis_v2/payout.rb
index 648fd4f9..348930b3 100644
--- a/lib/payment_services/crypto_apis_v2/payout.rb
+++ b/lib/payment_services/crypto_apis_v2/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::CryptoApisV2
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'crypto_apis_payouts'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/exmo/invoice.rb b/lib/payment_services/exmo/invoice.rb
index 3d17ab47..f291a991 100644
--- a/lib/payment_services/exmo/invoice.rb
+++ b/lib/payment_services/exmo/invoice.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Exmo
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'exmo_invoices'
 
diff --git a/lib/payment_services/exmo/payout.rb b/lib/payment_services/exmo/payout.rb
index b2c801c3..53719a35 100644
--- a/lib/payment_services/exmo/payout.rb
+++ b/lib/payment_services/exmo/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Exmo
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'exmo_payouts'
 
diff --git a/lib/payment_services/kuna/invoice.rb b/lib/payment_services/kuna/invoice.rb
index 604ca7ca..2529c74a 100644
--- a/lib/payment_services/kuna/invoice.rb
+++ b/lib/payment_services/kuna/invoice.rb
@@ -1,13 +1,13 @@
 # frozen_string_literal: true
 
 class PaymentServices::Kuna
-  class Invoice < ApplicationRecord
+  class Invoice < PaymentServices::ApplicationRecord
     FEE_PERCENT = 0.5
     UAH_FEE_PERCENT = 1.0
     UAH_FEE_REGULAR = 5
     KOPECK_EPSILON = 1
 
-    include Workflow
+    include WorkflowActiverecord
 
     self.table_name = 'kuna_invoices'
 
diff --git a/lib/payment_services/kuna/payout.rb b/lib/payment_services/kuna/payout.rb
index 1ce3400a..181a7063 100644
--- a/lib/payment_services/kuna/payout.rb
+++ b/lib/payment_services/kuna/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Kuna
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'kuna_payouts'
 
diff --git a/lib/payment_services/liquid/invoice.rb b/lib/payment_services/liquid/invoice.rb
index 51dea9c0..34a3f8e8 100644
--- a/lib/payment_services/liquid/invoice.rb
+++ b/lib/payment_services/liquid/invoice.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Liquid
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'liquid_invoices'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/liquid/payout.rb b/lib/payment_services/liquid/payout.rb
index 96507819..755bbcc3 100644
--- a/lib/payment_services/liquid/payout.rb
+++ b/lib/payment_services/liquid/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Liquid
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'liquid_payouts'
 
     SUCCESS_PAYOUT_STATE = 'processed'
diff --git a/lib/payment_services/master_processing/invoice.rb b/lib/payment_services/master_processing/invoice.rb
index 39ed1bb3..45bcb444 100644
--- a/lib/payment_services/master_processing/invoice.rb
+++ b/lib/payment_services/master_processing/invoice.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::MasterProcessing
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'master_processing_invoices'
 
diff --git a/lib/payment_services/master_processing/payout.rb b/lib/payment_services/master_processing/payout.rb
index ebc73b95..c98ecc28 100644
--- a/lib/payment_services/master_processing/payout.rb
+++ b/lib/payment_services/master_processing/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::MasterProcessing
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'master_processing_payouts'
 
diff --git a/lib/payment_services/obmenka/invoice.rb b/lib/payment_services/obmenka/invoice.rb
index ac028371..bd179613 100644
--- a/lib/payment_services/obmenka/invoice.rb
+++ b/lib/payment_services/obmenka/invoice.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Obmenka
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'obmenka_invoices'
 
diff --git a/lib/payment_services/obmenka/payout.rb b/lib/payment_services/obmenka/payout.rb
index 4b330384..47dfa7ed 100644
--- a/lib/payment_services/obmenka/payout.rb
+++ b/lib/payment_services/obmenka/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Obmenka
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'obmenka_payouts'
 
diff --git a/lib/payment_services/oko_otc/payout.rb b/lib/payment_services/oko_otc/payout.rb
index 1a8728c2..301bbf3f 100644
--- a/lib/payment_services/oko_otc/payout.rb
+++ b/lib/payment_services/oko_otc/payout.rb
@@ -1,11 +1,11 @@
 # frozen_string_literal: true
 
 class PaymentServices::OkoOtc
-  class Payout < ApplicationRecord
+  class Payout < PaymentServices::ApplicationRecord
     SUCCESS_PROVIDER_STATE  = 'Выплачена'
     FAILED_PROVIDER_STATE   = 'Отмененная'
 
-    include Workflow
+    include WorkflowActiverecord
 
     self.table_name = 'oko_otc_payouts'
 
diff --git a/lib/payment_services/payeer/payout.rb b/lib/payment_services/payeer/payout.rb
index 2438720c..2c80d201 100644
--- a/lib/payment_services/payeer/payout.rb
+++ b/lib/payment_services/payeer/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::Payeer
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'payeer_payouts'
 
diff --git a/lib/payment_services/paylama/invoice.rb b/lib/payment_services/paylama/invoice.rb
index ac0e548f..6ad233aa 100644
--- a/lib/payment_services/paylama/invoice.rb
+++ b/lib/payment_services/paylama/invoice.rb
@@ -1,11 +1,11 @@
 # frozen_string_literal: true
 
 class PaymentServices::Paylama
-  class Invoice < ApplicationRecord
+  class Invoice < PaymentServices::ApplicationRecord
     SUCCESS_PROVIDER_STATE  = 'Succeed'
     FAILED_PROVIDER_STATE   = 'Failed'
 
-    include Workflow
+    include WorkflowActiverecord
 
     self.table_name = 'paylama_invoices'
 
diff --git a/lib/payment_services/paylama/payout.rb b/lib/payment_services/paylama/payout.rb
index 3ce3c396..973e4eb8 100644
--- a/lib/payment_services/paylama/payout.rb
+++ b/lib/payment_services/paylama/payout.rb
@@ -1,11 +1,11 @@
 # frozen_string_literal: true
 
 class PaymentServices::Paylama
-  class Payout < ApplicationRecord
+  class Payout < PaymentServices::ApplicationRecord
     SUCCESS_PROVIDER_STATE  = 'Succeed'
     FAILED_PROVIDER_STATE   = 'Failed'
 
-    include Workflow
+    include WorkflowActiverecord
 
     self.table_name = 'paylama_payouts'
 
diff --git a/lib/payment_services/perfect_money/invoice.rb b/lib/payment_services/perfect_money/invoice.rb
index fd6cb4fc..5401020e 100644
--- a/lib/payment_services/perfect_money/invoice.rb
+++ b/lib/payment_services/perfect_money/invoice.rb
@@ -3,8 +3,8 @@
 # Copyright (c) 2018 FINFEX https://github.com/finfex
 
 class PaymentServices::PerfectMoney
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'perfect_money_invoices'
 
     scope :ordered, -> { order(id: :desc) }
diff --git a/lib/payment_services/perfect_money/payout.rb b/lib/payment_services/perfect_money/payout.rb
index baa6b90f..99938ed4 100644
--- a/lib/payment_services/perfect_money/payout.rb
+++ b/lib/payment_services/perfect_money/payout.rb
@@ -1,8 +1,8 @@
 # frozen_string_literal: true
 
 class PaymentServices::PerfectMoney
-  class Payout < ApplicationRecord
-    include Workflow
+  class Payout < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
 
     self.table_name = 'perfect_money_payouts'
 
diff --git a/lib/payment_services/qiwi/payment.rb b/lib/payment_services/qiwi/payment.rb
index e7cd2bf0..ec077e44 100644
--- a/lib/payment_services/qiwi/payment.rb
+++ b/lib/payment_services/qiwi/payment.rb
@@ -9,9 +9,8 @@
 require_relative 'payment_order_support'
 
 class PaymentServices::QIWI
-  class Payment < ApplicationRecord
+  class Payment < PaymentServices::ApplicationRecord
     include AutoLogger
-    extend Enumerize
     include PaymentOrderSupport
 
     self.table_name = :qiwi_payments
@@ -21,11 +20,11 @@ class Payment < ApplicationRecord
     scope :ordered, -> { order 'id desc, date desc' }
     monetize :total_cents, as: :total
 
-    enum status: %i[UNKNOWN WAITING SUCCESS ERROR]
-    enumerize :direction_type, in: %w[IN OUT], predicates: { prefix: true }
+    enum :status, %i[UNKNOWN WAITING SUCCESS ERROR]
+    enum :direction_type, { in: 'IN', out: 'OUT' }
 
     def success_in?
-      SUCCESS? && direction_type_IN?
+      SUCCESS? && in?
     end
   end
 end
diff --git a/lib/payment_services/qiwi/payout_adapter.rb b/lib/payment_services/qiwi/payout_adapter.rb
index 05f7eab2..aa2db466 100644
--- a/lib/payment_services/qiwi/payout_adapter.rb
+++ b/lib/payment_services/qiwi/payout_adapter.rb
@@ -18,7 +18,6 @@ def make_payout!(amount:, payment_card_details:, transaction_id:, destination_ac
 
     private
 
-    # rubocop:disable Lint/UnusedMethodArgument
     def make_payout(amount:, payment_card_details:, transaction_id:, destination_account:)
       # rubocop:enable Lint/UnusedMethodArgument
 
diff --git a/lib/payment_services/rbk.rb b/lib/payment_services/rbk.rb
index ae60fd99..1f02a2c8 100644
--- a/lib/payment_services/rbk.rb
+++ b/lib/payment_services/rbk.rb
@@ -5,14 +5,20 @@
 module PaymentServices
   class Rbk < Base
     CHECKOUT_URL = 'https://checkout.rbk.money/v1/checkout.html'
+
+    # Используем autoload для всех классов
+    autoload :Identity, 'payment_services/rbk/identity'
+    autoload :Wallet, 'payment_services/rbk/wallet'
+    autoload :PayoutDestination, 'payment_services/rbk/payout_destination'
+    autoload :Payout, 'payment_services/rbk/payout'
+    autoload :Payment, 'payment_services/rbk/payment'
+    autoload :Invoice, 'payment_services/rbk/invoice'
+    autoload :Customer, 'payment_services/rbk/customer'
+    autoload :PaymentCard, 'payment_services/rbk/payment_card'
     autoload :PayoutAdapter, 'payment_services/rbk/payout_adapter'
     autoload :Invoicer, 'payment_services/rbk/invoicer'
+
     register :invoicer, Invoicer
     register :payout_adapter, PayoutAdapter
   end
 end
-# FIXME: не знаю как проще подгрузить все файлы из rbk
-require_relative 'rbk/identity'
-require_relative 'rbk/wallet'
-require_relative 'rbk/payout_destination'
-require_relative 'rbk/payout'
diff --git a/lib/payment_services/rbk/customer.rb b/lib/payment_services/rbk/customer.rb
index 237841aa..07f8ceff 100644
--- a/lib/payment_services/rbk/customer.rb
+++ b/lib/payment_services/rbk/customer.rb
@@ -3,11 +3,10 @@
 # Copyright (c) 2018 FINFEX https://github.com/finfex
 
 require_relative 'customer_client'
-require_relative 'payment_card'
 require 'jwt'
 
 class PaymentServices::Rbk
-  class Customer < ApplicationRecord
+  class Customer < PaymentServices::ApplicationRecord
     self.table_name = 'rbk_money_customers'
 
     belongs_to :user
diff --git a/lib/payment_services/rbk/identity.rb b/lib/payment_services/rbk/identity.rb
index 1544e36c..5f4e48f9 100644
--- a/lib/payment_services/rbk/identity.rb
+++ b/lib/payment_services/rbk/identity.rb
@@ -5,7 +5,7 @@
 require_relative 'identity_client'
 
 class PaymentServices::Rbk
-  class Identity < ApplicationRecord
+  class Identity < PaymentServices::ApplicationRecord
     self.table_name = 'rbk_identities'
 
     has_many :rbk_wallets,
diff --git a/lib/payment_services/rbk/invoice.rb b/lib/payment_services/rbk/invoice.rb
index 49fb7fda..1ef8223e 100644
--- a/lib/payment_services/rbk/invoice.rb
+++ b/lib/payment_services/rbk/invoice.rb
@@ -2,12 +2,11 @@
 
 # Copyright (c) 2018 FINFEX https://github.com/finfex
 
-require_relative 'payment'
 require_relative 'invoice_client'
 
 class PaymentServices::Rbk
-  class Invoice < ApplicationRecord
-    include Workflow
+  class Invoice < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'rbk_money_invoices'
 
     scope :ordered, -> { order(id: :desc) }
@@ -69,6 +68,9 @@ def make_refund!
     def fetch_payments!
       response = InvoiceClient.new.get_payments(self)
       response.map { |payment_json| find_or_create_payment!(payment_json) }
+    rescue => e
+      Rails.logger.warn "Failed to fetch payments for invoice #{id}: #{e.message}" if defined?(Rails)
+      raise e
     end
 
     private
@@ -77,12 +79,12 @@ def find_or_create_payment!(payment_json)
       payment = payments.find_by(rbk_id: payment_json['id'])
       return payment if payment.present?
 
-      Payment.create!(
+      PaymentServices::Rbk::Payment.create!(
         rbk_id: payment_json['id'],
         invoice: self,
         order_public_id: order_public_id,
         amount_in_cents: payment_json['amount'],
-        state: Payment.rbk_state_to_state(payment_json['status']),
+        state: PaymentServices::Rbk::Payment.rbk_state_to_state(payment_json['status']),
         payload: payment_json
       )
     end
diff --git a/lib/payment_services/rbk/invoicer.rb b/lib/payment_services/rbk/invoicer.rb
index e7b4092d..a77d65be 100644
--- a/lib/payment_services/rbk/invoicer.rb
+++ b/lib/payment_services/rbk/invoicer.rb
@@ -2,15 +2,14 @@
 
 # Copyright (c) 2018 FINFEX https://github.com/finfex
 
-require_relative 'invoice'
 require_relative 'invoice_client'
-require_relative 'customer'
+require_relative 'customer_client'
 
 class PaymentServices::Rbk
   class Invoicer < ::PaymentServices::Base::Invoicer
     def create_invoice(money)
       response = InvoiceClient.new.create_invoice(order_id: order.public_id, amount: money.cents)
-      Invoice.create!(
+      PaymentServices::Rbk::Invoice.create!(
         amount: money.to_f,
         order_public_id: order.public_id,
         rbk_invoice_id: response['invoice']['id'],
diff --git a/lib/payment_services/rbk/payment.rb b/lib/payment_services/rbk/payment.rb
index b820b2f5..f0acb924 100644
--- a/lib/payment_services/rbk/payment.rb
+++ b/lib/payment_services/rbk/payment.rb
@@ -5,8 +5,8 @@
 require_relative 'payment_client'
 
 class PaymentServices::Rbk
-  class Payment < ApplicationRecord
-    include Workflow
+  class Payment < PaymentServices::ApplicationRecord
+    include WorkflowActiverecord
     self.table_name = 'rbk_money_payments'
 
     scope :ordered, -> { order(id: :desc) }
@@ -50,7 +50,7 @@ def self.rbk_state_to_state(rbk_state)
       elsif PaymentClient::PENDING_STATES.include?(rbk_state)
         :pending
       elsif PaymentClient::REFUND_STATES.include?(rbk_state)
-        :fefunded
+        :refunded
       else
         raise("Такого статуса не существует: #{rbk_state}")
       end
diff --git a/lib/payment_services/rbk/payment_card.rb b/lib/payment_services/rbk/payment_card.rb
index 169ba8d5..5165772b 100644
--- a/lib/payment_services/rbk/payment_card.rb
+++ b/lib/payment_services/rbk/payment_card.rb
@@ -3,16 +3,19 @@
 # Copyright (c) 2018 FINFEX https://github.com/finfex
 
 class PaymentServices::Rbk
-  class PaymentCard < ApplicationRecord
+  class PaymentCard < PaymentServices::ApplicationRecord
     self.table_name = 'rbk_payment_cards'
 
-    enum card_type: %i[bank_card applepay googlepay], _prefix: :card_type
+    enum :card_type, %i[bank_card applepay googlepay], prefix: :card_type
 
     belongs_to :rbk_customer, class_name: 'PaymentServices::Rbk::Customer', foreign_key: :rbk_customer_id
 
     def masked_number
       # NOTE dup нужен, т.к. insert изменяет исходный объект
-      "#{bin.dup.insert(4, ' ')}** **** #{last_digits}"
+      return ' ** **** ' if bin.empty? && last_digits.empty?
+
+      bin_with_space = bin.dup.insert(4, ' ')
+      "#{bin_with_space}** **** #{last_digits}"
     end
   end
 end
diff --git a/lib/payment_services/rbk/payout.rb b/lib/payment_services/rbk/payout.rb
index 611ae054..921fac98 100644
--- a/lib/payment_services/rbk/payout.rb
+++ b/lib/payment_services/rbk/payout.rb
@@ -5,7 +5,7 @@
 require_relative 'payout_client'
 
 class PaymentServices::Rbk
-  class Payout < ApplicationRecord
+  class Payout < PaymentServices::ApplicationRecord
     self.table_name = 'rbk_payouts'
     Error = Class.new StandardError
 
@@ -17,9 +17,11 @@ class Payout < ApplicationRecord
                class_name: 'PaymentServices::Rbk::Wallet',
                foreign_key: :rbk_wallet_id
 
-    def self.create_from!(destinaion:, wallet:, amount_cents:)
+    validates :rbk_id, :rbk_payout_destination, :rbk_wallet, :amount_cents, :rbk_status, presence: true, on: :create
+
+    def self.create_from!(destination:, wallet:, amount_cents:)
       response = PayoutClient.new.make_payout(
-        payout_destination: destinaion,
+        payout_destination: destination,
         wallet: wallet,
         amount_cents: amount_cents
       )
@@ -27,7 +29,7 @@ def self.create_from!(destinaion:, wallet:, amount_cents:)
 
       create!(
         rbk_id: response['id'],
-        rbk_payout_destination: destinaion,
+        rbk_payout_destination: destination,
         rbk_wallet: wallet,
         amount_cents: amount_cents,
         payload: response,
diff --git a/lib/payment_services/rbk/payout_adapter.rb b/lib/payment_services/rbk/payout_adapter.rb
index 77fe5076..bd15186c 100644
--- a/lib/payment_services/rbk/payout_adapter.rb
+++ b/lib/payment_services/rbk/payout_adapter.rb
@@ -8,7 +8,6 @@
 class PaymentServices::Rbk
   class PayoutAdapter < ::PaymentServices::Base::PayoutAdapter
     # TODO: возможность передавть ID кошелька для списания
-    # rubocop:disable Lint/UnusedMethodArgument
     def make_payout!(amount:, payment_card_details:, transaction_id:, destination_account:)
       # rubocop:enable Lint/UnusedMethodArgument
       raise 'Можно делать выплаты только в рублях' unless amount.currency == RUB
@@ -28,7 +27,7 @@ def make_payout!(amount:, payment_card_details:, transaction_id:, destination_ac
       end
 
       Payout.create_from!(
-        destinaion: payout_destination,
+        destination: payout_destination,
         wallet: identity.current_wallet,
         amount_cents: amount.cents
       )
diff --git a/lib/payment_services/rbk/payout_destination.rb b/lib/payment_services/rbk/payout_destination.rb
index a38e753e..22e54ddd 100644
--- a/lib/payment_services/rbk/payout_destination.rb
+++ b/lib/payment_services/rbk/payout_destination.rb
@@ -5,12 +5,14 @@
 require_relative 'payout_destination_client'
 
 class PaymentServices::Rbk
-  class PayoutDestination < ApplicationRecord
+  class PayoutDestination < PaymentServices::ApplicationRecord
     self.table_name = 'rbk_payout_destinations'
     Error = Class.new StandardError
 
     belongs_to :rbk_identity, class_name: 'PaymentServices::Rbk::Identity', foreign_key: :rbk_identity_id
 
+    validates :rbk_id, :public_id, :card_brand, :card_bin, :card_suffix, :payment_token, :rbk_status, :rbk_identity, presence: true, on: :create
+
     def self.find_or_create_from_card_details(number:, name:, exp_date:, identity:)
       tokenized_card = tokenize_card!(number: number, name: name, exp_date: exp_date)
 
@@ -29,7 +31,7 @@ def self.create_destination!(identity:, tokenized_card:)
         payment_token: tokenized_card['token'],
         destination_public_id: public_id
       )
-      raise Error, "Rbk failed to create destinaion: #{response}" unless response['id']
+      raise Error, "Rbk failed to create destination: #{response}" unless response['id']
 
       create!(
         rbk_identity: identity,
diff --git a/lib/payment_services/rbk/wallet.rb b/lib/payment_services/rbk/wallet.rb
index c297ea2c..a413e052 100644
--- a/lib/payment_services/rbk/wallet.rb
+++ b/lib/payment_services/rbk/wallet.rb
@@ -5,7 +5,7 @@
 require_relative 'wallet_client'
 
 class PaymentServices::Rbk
-  class Wallet < ApplicationRecord
+  class Wallet < PaymentServices::ApplicationRecord
     self.table_name = 'rbk_wallets'
 
     belongs_to :rbk_identity, class_name: 'PaymentServices::Rbk::Identity', foreign_key: :rbk_identity_id
diff --git a/lib/payment_services/tronscan/transaction.rb b/lib/payment_services/tronscan/transaction.rb
index f6599794..236ac924 100644
--- a/lib/payment_services/tronscan/transaction.rb
+++ b/lib/payment_services/tronscan/transaction.rb
@@ -21,6 +21,7 @@ def to_s
     end
 
     def successful?
+      return false if source.nil? || source.empty?
       source[:confirmed]
     end
   end
diff --git a/payment_services.gemspec b/payment_services.gemspec
index 2083d7ad..ac46e398 100644
--- a/payment_services.gemspec
+++ b/payment_services.gemspec
@@ -38,11 +38,17 @@ Gem::Specification.new do |spec|
   spec.add_dependency 'activesupport'
   spec.add_dependency 'jwt'
   spec.add_dependency 'virtus'
-  spec.add_dependency 'workflow'
+  spec.add_dependency 'workflow-activerecord'
   spec.add_dependency 'block_io'
-
-  spec.add_development_dependency 'bundler', '~> 1.16'
-  spec.add_development_dependency 'rake', '~> 10.0'
-  spec.add_development_dependency 'rspec', '~> 3.0'
-  spec.add_development_dependency 'rubocop', '~> 0.61'
+  spec.add_dependency 'activerecord'
+  spec.add_dependency 'money-rails'
+  spec.add_dependency 'auto_logger', '~> 0.1.4'
+
+  spec.add_development_dependency 'bundler'
+  spec.add_development_dependency 'rake'
+  spec.add_development_dependency 'rspec'
+  spec.add_development_dependency 'rubocop'
+  spec.add_development_dependency 'sqlite3'
+  spec.add_development_dependency 'database_cleaner-active_record'
+  spec.add_development_dependency 'shoulda-matchers'
 end
diff --git a/spec/fixtures/rbk_identities.yml b/spec/fixtures/rbk_identities.yml
new file mode 100644
index 00000000..887509a0
--- /dev/null
+++ b/spec/fixtures/rbk_identities.yml
@@ -0,0 +1,13 @@
+# Read about fixtures at http://api.rubyonrails.org/classes/ActiveRecord/FixtureSet.html
+
+identity_1:
+  rbk_id: identity_123
+  current: false
+
+identity_2:
+  rbk_id: identity_456
+  current: true
+
+identity_3:
+  rbk_id: identity_789
+  current: false
\ No newline at end of file
diff --git a/spec/fixtures/rbk_payout_destinations.yml b/spec/fixtures/rbk_payout_destinations.yml
new file mode 100644
index 00000000..0ea52cd4
--- /dev/null
+++ b/spec/fixtures/rbk_payout_destinations.yml
@@ -0,0 +1,34 @@
+# Read about fixtures at http://api.rubyonrails.org/classes/ActiveRecord/FixtureSet.html
+
+destination_1:
+  rbk_identity: identity_1
+  rbk_id: dest_456
+  public_id: dest_123
+  payment_token: token_123
+  card_brand: visa
+  card_bin: '411111'
+  card_suffix: '1111'
+  rbk_status: Authorized
+  payload: {"test": "data"}
+
+destination_2:
+  rbk_identity: identity_1
+  rbk_id: dest_789
+  public_id: dest_456
+  payment_token: token_456
+  card_brand: mastercard
+  card_bin: '555555'
+  card_suffix: '5555'
+  rbk_status: Pending
+  payload: {"test": "data2"}
+
+destination_3:
+  rbk_identity: identity_2
+  rbk_id: dest_999
+  public_id: dest_789
+  payment_token: token_789
+  card_brand: amex
+  card_bin: '378282'
+  card_suffix: '8282'
+  rbk_status: Completed
+  payload: {"test": "data3"}
\ No newline at end of file
diff --git a/spec/fixtures/rbk_payouts.yml b/spec/fixtures/rbk_payouts.yml
new file mode 100644
index 00000000..d5ec7ffd
--- /dev/null
+++ b/spec/fixtures/rbk_payouts.yml
@@ -0,0 +1,25 @@
+# Read about fixtures at http://api.rubyonrails.org/classes/ActiveRecord/FixtureSet.html
+
+payout_1:
+  rbk_payout_destination: destination_1
+  rbk_wallet: wallet_1
+  rbk_id: payout_123
+  amount_cents: 5000
+  rbk_status: processed
+  payload: {"test": "data"}
+
+payout_2:
+  rbk_payout_destination: destination_2
+  rbk_wallet: wallet_2
+  rbk_id: payout_456
+  amount_cents: 10000
+  rbk_status: pending
+  payload: {"test": "data2"}
+
+payout_3:
+  rbk_payout_destination: destination_3
+  rbk_wallet: wallet_3
+  rbk_id: payout_789
+  amount_cents: 7500
+  rbk_status: completed
+  payload: {"test": "data3"}
\ No newline at end of file
diff --git a/spec/fixtures/rbk_wallets.yml b/spec/fixtures/rbk_wallets.yml
new file mode 100644
index 00000000..03b24aa9
--- /dev/null
+++ b/spec/fixtures/rbk_wallets.yml
@@ -0,0 +1,16 @@
+# Read about fixtures at http://api.rubyonrails.org/classes/ActiveRecord/FixtureSet.html
+
+wallet_1:
+  rbk_id: wallet_123
+  rbk_identity: identity_1
+  current: false
+
+wallet_2:
+  rbk_id: wallet_456
+  rbk_identity: identity_1
+  current: true
+
+wallet_3:
+  rbk_id: wallet_789
+  rbk_identity: identity_2
+  current: false
\ No newline at end of file
diff --git a/spec/payment_services/base/client_spec.rb b/spec/payment_services/base/client_spec.rb
new file mode 100644
index 00000000..81830c6c
--- /dev/null
+++ b/spec/payment_services/base/client_spec.rb
@@ -0,0 +1,112 @@
+# frozen_string_literal: true
+
+require_relative '../../../lib/payment_services/base/client'
+
+RSpec.describe PaymentServices::Base::Client do
+  let(:client) { described_class.new }
+
+  describe '#http_request' do
+    let(:uri) { URI.parse('https://example.com/api') }
+    let(:http) { double('Net::HTTP') }
+    let(:request) { double('Request') }
+    let(:response) { double('Response') }
+
+    before do
+      allow(client).to receive(:http).with(uri).and_return(http)
+      allow(client).to receive(:build_request).and_return(request)
+      allow(request).to receive(:body).and_return('test payload')
+      allow(http).to receive(:request).and_return(response)
+    end
+
+    it 'sends HTTP request and returns response' do
+      result = client.http_request(
+        url: 'https://example.com/api',
+        method: :GET,
+        body: '{"test": "data"}',
+        headers: { 'Content-Type' => 'application/json' }
+      )
+
+      expect(result).to eq(response)
+    end
+  end
+
+  describe '#build_request' do
+    let(:uri) { URI.parse('https://example.com/api') }
+
+    context 'when method is POST' do
+      it 'creates Net::HTTP::Post request' do
+        request = client.build_request(uri: uri, method: :POST, body: 'test data')
+
+        expect(request).to be_a(Net::HTTP::Post)
+        expect(request.body).to eq('test data')
+      end
+    end
+
+    context 'when method is GET' do
+      it 'creates Net::HTTP::Get request' do
+        request = client.build_request(uri: uri, method: :GET)
+
+        expect(request).to be_a(Net::HTTP::Get)
+      end
+    end
+
+    context 'when method is PATCH' do
+      it 'creates Net::HTTP::Patch request' do
+        request = client.build_request(uri: uri, method: :PATCH, body: 'patch data')
+
+        expect(request).to be_a(Net::HTTP::Patch)
+        expect(request.body).to eq('patch data')
+      end
+    end
+
+    context 'when method is unsupported' do
+      it 'raises error' do
+        expect {
+          client.build_request(uri: uri, method: :DELETE)
+        }.to raise_error('Запрос DELETE не поддерживается!')
+      end
+    end
+  end
+
+  describe '#safely_parse' do
+    let(:response) { double('Response') }
+
+    context 'when response body is valid JSON' do
+      before do
+        allow(response).to receive(:body).and_return('{"status": "success", "data": [1, 2, 3]}')
+      end
+
+      it 'parses JSON and returns hash' do
+        result = client.safely_parse(response)
+
+        expect(result).to eq({ 'status' => 'success', 'data' => [1, 2, 3] })
+      end
+    end
+
+    context 'when response body is invalid JSON' do
+      before do
+        allow(response).to receive(:body).and_return('invalid json')
+        allow(response).to receive(:class).and_return(Net::HTTPBadRequest)
+      end
+
+      it 'returns raw body and logs warning' do
+        result = client.safely_parse(response)
+
+        expect(result).to eq('invalid json')
+      end
+    end
+
+    context 'when response body is nil' do
+      before do
+        allow(response).to receive(:body).and_return(nil)
+        allow(response).to receive(:class).and_return(Net::HTTPBadRequest)
+      end
+
+      it 'returns nil body' do
+        result = client.safely_parse(response)
+
+        expect(result).to be_nil
+      end
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/exmo/transaction_spec.rb b/spec/payment_services/exmo/transaction_spec.rb
new file mode 100644
index 00000000..7f932ebd
--- /dev/null
+++ b/spec/payment_services/exmo/transaction_spec.rb
@@ -0,0 +1,74 @@
+# frozen_string_literal: true
+
+require_relative '../../../lib/payment_services/exmo/transaction'
+
+RSpec.describe PaymentServices::Exmo::Transaction do
+  describe '.build_from' do
+    let(:raw_transaction) do
+      {
+        'status' => 'Paid',
+        'extra' => {
+          'txid' => 'tx_12345'
+        },
+        'amount' => '100.5',
+        'currency' => 'BTC'
+      }
+    end
+
+    it 'creates transaction from raw data' do
+      transaction = described_class.build_from(raw_transaction: raw_transaction)
+
+      expect(transaction.id).to eq('tx_12345')
+      expect(transaction.provider_state).to eq('Paid')
+      expect(transaction.source).to eq(raw_transaction)
+    end
+  end
+
+  describe '#to_s' do
+    let(:source) { { 'id' => '123', 'status' => 'Paid' } }
+    let(:transaction) { described_class.new(source: source) }
+
+    it 'returns source as string' do
+      expect(transaction.to_s).to eq(source.to_s)
+    end
+  end
+
+  describe '#successful?' do
+    context 'when provider_state is Paid' do
+      it 'returns true' do
+        transaction = described_class.new(provider_state: 'Paid')
+        expect(transaction.successful?).to be true
+      end
+    end
+
+    context 'when provider_state is not Paid' do
+      it 'returns false' do
+        transaction = described_class.new(provider_state: 'Pending')
+        expect(transaction.successful?).to be false
+      end
+    end
+  end
+
+  describe '#failed?' do
+    context 'when provider_state is Cancelled' do
+      it 'returns true' do
+        transaction = described_class.new(provider_state: 'Cancelled')
+        expect(transaction.failed?).to be true
+      end
+    end
+
+    context 'when provider_state is Error' do
+      it 'returns true' do
+        transaction = described_class.new(provider_state: 'Error')
+        expect(transaction.failed?).to be true
+      end
+    end
+
+    context 'when provider_state is not in failed states' do
+      it 'returns false' do
+        transaction = described_class.new(provider_state: 'Paid')
+        expect(transaction.failed?).to be false
+      end
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/rbk/customer_spec.rb b/spec/payment_services/rbk/customer_spec.rb
new file mode 100644
index 00000000..9a6b2f3e
--- /dev/null
+++ b/spec/payment_services/rbk/customer_spec.rb
@@ -0,0 +1,36 @@
+# frozen_string_literal: true
+
+require 'rails_helper'
+
+RSpec.describe PaymentServices::Rbk::Customer, type: :model do
+  describe 'associations' do
+    it { is_expected.to belong_to(:user) }
+    it { is_expected.to have_many(:payment_cards) }
+  end
+
+  describe 'scopes' do
+    let!(:customer1) { described_class.create!(user_id: 1, rbk_id: 'cust_1', access_token: 'token_1') }
+    let!(:customer2) { described_class.create!(user_id: 2, rbk_id: 'cust_2', access_token: 'token_2') }
+
+    it 'orders customers by id desc' do
+      expect(described_class.ordered).to eq([customer2, customer1])
+    end
+  end
+
+  describe '#access_token_valid?' do
+    it 'returns false when access_token_expired_at is nil' do
+      customer = described_class.new(access_token_expired_at: nil)
+      expect(customer.access_token_valid?).to be false
+    end
+
+    it 'returns false when access_token is expired' do
+      customer = described_class.new(access_token_expired_at: 1.hour.ago)
+      expect(customer.access_token_valid?).to be false
+    end
+
+    it 'returns true when access_token is not expired' do
+      customer = described_class.new(access_token_expired_at: 1.hour.from_now)
+      expect(customer.access_token_valid?).to be true
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/rbk/identity_spec.rb b/spec/payment_services/rbk/identity_spec.rb
new file mode 100644
index 00000000..44a07836
--- /dev/null
+++ b/spec/payment_services/rbk/identity_spec.rb
@@ -0,0 +1,57 @@
+# frozen_string_literal: true
+
+require 'rails_helper'
+
+RSpec.describe PaymentServices::Rbk::Identity, type: :model do
+  describe 'associations' do
+    it { is_expected.to have_many(:rbk_wallets) }
+    it { is_expected.to have_many(:rbk_payout_destinations) }
+  end
+
+  describe '.current' do
+    it 'returns identity marked as current' do
+      current_identity = described_class.create!(rbk_id: 'id_1', current: true)
+      described_class.create!(rbk_id: 'id_2', current: false)
+
+      expect(described_class.current).to eq(current_identity)
+    end
+
+    it 'returns nil when no current identity exists' do
+      described_class.create!(rbk_id: 'id_1', current: false)
+
+      expect(described_class.current).to be_nil
+    end
+  end
+
+  describe '.create_sample!' do
+    let(:identity_client) { double('IdentityClient') }
+    let(:response) { { 'id' => 'identity_123', 'metadata' => 'sample' } }
+
+    before do
+      allow(PaymentServices::Rbk::IdentityClient).to receive(:new).and_return(identity_client)
+      allow(identity_client).to receive(:create_sample_identity).and_return(response)
+    end
+
+    it 'creates identity with response data' do
+      identity = described_class.create_sample!
+
+      expect(identity.rbk_id).to eq('identity_123')
+      expect(identity.payload).to eq(response)
+    end
+  end
+
+  describe '#current_wallet' do
+    let(:identity) { described_class.new(rbk_id: 'id_1') }
+    let!(:current_wallet) { double('CurrentWallet') }
+    let!(:other_wallet) { double('OtherWallet') }
+
+    before do
+      allow(identity).to receive(:rbk_wallets).and_return(double('Wallets'))
+      allow(identity.rbk_wallets).to receive(:find_by).with(current: true).and_return(current_wallet)
+    end
+
+    it 'returns the current wallet' do
+      expect(identity.current_wallet).to eq(current_wallet)
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/rbk/invoice_spec.rb b/spec/payment_services/rbk/invoice_spec.rb
new file mode 100644
index 00000000..d97cb3c1
--- /dev/null
+++ b/spec/payment_services/rbk/invoice_spec.rb
@@ -0,0 +1,52 @@
+# frozen_string_literal: true
+
+require 'rails_helper'
+
+RSpec.describe PaymentServices::Rbk::Invoice, type: :model do
+  describe 'associations' do
+    it { is_expected.to have_many(:payments).dependent(:destroy) }
+  end
+
+  describe 'scopes' do
+    let!(:invoice1) { described_class.create!(amount_in_cents: 1000, order_public_id: 1, state: 'pending') }
+    let!(:invoice2) { described_class.create!(amount_in_cents: 2000, order_public_id: 2, state: 'pending') }
+
+    it 'orders invoices by id desc' do
+      expect(described_class.ordered).to eq([invoice2, invoice1])
+    end
+  end
+
+  describe 'monetize' do
+    it 'monetizes amount_in_cents as amount' do
+      invoice = described_class.new(amount_in_cents: 1500)
+      expect(invoice.amount.cents).to eq(1500)
+      expect(invoice.amount.currency.iso_code).to eq('RUB')
+    end
+  end
+
+  describe 'workflow states' do
+    let(:invoice) { described_class.create!(amount_in_cents: 1000, order_public_id: 1, state: 'pending') }
+
+    before do
+      # Mock fetch_payments! to avoid HTTP calls
+      allow_any_instance_of(described_class).to receive(:fetch_payments!).and_return([])
+
+      # Mock order method to avoid external dependencies
+      order = double('Order')
+      allow(order).to receive(:auto_confirm!)
+      allow_any_instance_of(described_class).to receive(:order).and_return(order)
+    end
+
+    it 'starts in pending state' do
+      expect(invoice).to be_pending
+    end
+
+    it 'transitions from pending to paid with pay!' do
+      expect { invoice.pay! }.to change(invoice, :state).from('pending').to('paid')
+    end
+
+    it 'transitions from pending to cancelled with cancel!' do
+      expect { invoice.cancel! }.to change(invoice, :state).from('pending').to('cancelled')
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/rbk/payment_card_spec.rb b/spec/payment_services/rbk/payment_card_spec.rb
new file mode 100644
index 00000000..9f613bc4
--- /dev/null
+++ b/spec/payment_services/rbk/payment_card_spec.rb
@@ -0,0 +1,31 @@
+# frozen_string_literal: true
+
+require 'rails_helper'
+
+RSpec.describe PaymentServices::Rbk::PaymentCard, type: :model do
+  describe 'associations' do
+    it { is_expected.to belong_to(:rbk_customer) }
+  end
+
+  describe 'enums' do
+    it 'defines card_type enum' do
+      expect(described_class.card_types).to eq(
+        'bank_card' => 0,
+        'applepay' => 1,
+        'googlepay' => 2
+      )
+    end
+  end
+
+  describe '#masked_number' do
+    it 'formats the card number correctly' do
+      card = described_class.new(bin: '123456', last_digits: '7890')
+      expect(card.masked_number).to eq('1234 56** **** 7890')
+    end
+
+    it 'handles empty bin and last_digits' do
+      card = described_class.new(bin: '', last_digits: '')
+      expect(card.masked_number).to eq(' ** **** ')
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/rbk/payment_spec.rb b/spec/payment_services/rbk/payment_spec.rb
new file mode 100644
index 00000000..ac953d7f
--- /dev/null
+++ b/spec/payment_services/rbk/payment_spec.rb
@@ -0,0 +1,103 @@
+# frozen_string_literal: true
+
+require 'rails_helper'
+
+RSpec.describe PaymentServices::Rbk::Payment, type: :model do
+  describe 'associations' do
+    it { is_expected.to belong_to(:invoice) }
+  end
+
+  describe 'scopes' do
+    let!(:payment1) { described_class.create!(amount_in_cents: 1000, rbk_id: 'pay_1', state: 'pending', order_public_id: 1) }
+    let!(:payment2) { described_class.create!(amount_in_cents: 2000, rbk_id: 'pay_2', state: 'pending', order_public_id: 2) }
+
+    it 'orders payments by id desc' do
+      expect(described_class.ordered).to eq([payment2, payment1])
+    end
+  end
+
+  describe 'monetize' do
+    it 'monetizes amount_in_cents as amount' do
+      payment = described_class.new(amount_in_cents: 1500)
+      expect(payment.amount.cents).to eq(1500)
+      expect(payment.amount.currency.iso_code).to eq('RUB')
+    end
+  end
+
+  describe 'workflow states' do
+    let(:invoice) { PaymentServices::Rbk::Invoice.create!(amount_in_cents: 1000, order_public_id: 1, state: 'pending') }
+    let(:payment) { described_class.create!(amount_in_cents: 1000, rbk_id: 'pay_1', state: 'pending', order_public_id: 1, invoice: invoice) }
+
+    before do
+      # Mock invoice methods to avoid recursive calls
+      allow(invoice).to receive(:pay!)
+      allow(invoice).to receive(:cancel!)
+    end
+
+    it 'starts in pending state' do
+      expect(payment).to be_pending
+    end
+
+    it 'transitions from pending to succeed with success!' do
+      expect { payment.success! }.to change(payment, :state).from('pending').to('succeed')
+    end
+
+    it 'transitions from pending to failed with fail!' do
+      expect { payment.fail! }.to change(payment, :state).from('pending').to('failed')
+    end
+
+    it 'transitions from pending to refunded with refund!' do
+      expect { payment.refund! }.to change(payment, :state).from('pending').to('refunded')
+    end
+  end
+
+  describe '.rbk_state_to_state' do
+    let(:payment_client) { double('PaymentClient') }
+
+    before do
+      allow(PaymentServices::Rbk::PaymentClient).to receive(:const_get).and_return(payment_client)
+      allow(payment_client).to receive(:const_get).and_return([])
+    end
+
+    it 'converts success states to :success' do
+      allow(PaymentServices::Rbk::PaymentClient).to receive(:const_get).with('SUCCESS_STATES').and_return(['processed'])
+      expect(described_class.rbk_state_to_state('processed')).to eq(:success)
+    end
+
+    it 'converts fail states to :fail' do
+      allow(PaymentServices::Rbk::PaymentClient).to receive(:const_get).with('FAIL_STATES').and_return(['failed'])
+      expect(described_class.rbk_state_to_state('failed')).to eq(:fail)
+    end
+
+    it 'raises error for unknown state' do
+      allow(PaymentServices::Rbk::PaymentClient).to receive(:const_get).and_return([])
+      expect { described_class.rbk_state_to_state('unknown') }.to raise_error('Такого статуса не существует: unknown')
+    end
+  end
+
+  describe '#payment_tool_info' do
+    let(:payment) { described_class.new }
+    let(:payload) do
+      {
+        'payer' => {
+          'paymentToolDetails' => {
+            'cardNumberMask' => '**** **** **** 1234'
+          }
+        }
+      }
+    end
+
+    before do
+      payment.payload = payload
+    end
+
+    it 'extracts card number mask from payload' do
+      expect(payment.payment_tool_info).to eq('**** **** **** 1234')
+    end
+
+    it 'returns nil when payload is empty' do
+      payment.payload = {}
+      expect(payment.payment_tool_info).to be_nil
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/rbk/payout_destination_spec.rb b/spec/payment_services/rbk/payout_destination_spec.rb
new file mode 100644
index 00000000..da7edb4a
--- /dev/null
+++ b/spec/payment_services/rbk/payout_destination_spec.rb
@@ -0,0 +1,187 @@
+# frozen_string_literal: true
+
+require 'rails_helper'
+
+RSpec.describe PaymentServices::Rbk::PayoutDestination, type: :model do
+
+  describe 'associations' do
+    it { is_expected.to belong_to(:rbk_identity) }
+  end
+
+  describe '.find_or_create_from_card_details' do
+    let(:identity) { PaymentServices::Rbk::Identity.create!(rbk_id: 'identity_123') }
+    let(:tokenized_card) { { 'token' => 'token_123', 'paymentSystem' => 'visa' } }
+
+    it 'returns existing destination if found' do
+      existing_destination = described_class.create!(
+        rbk_identity: identity,
+        rbk_id: 'dest_456',
+        payment_token: tokenized_card['token'],
+        public_id: 'existing_123',
+        card_brand: 'visa',
+        card_bin: '411111',
+        card_suffix: '1111',
+        rbk_status: 'Authorized',
+        payload: { 'test' => 'data' }
+      )
+      allow(described_class).to receive(:tokenize_card!).and_return(tokenized_card)
+
+      result = described_class.find_or_create_from_card_details(
+        number: '4111111111111111',
+        name: 'John Doe',
+        exp_date: '12/25',
+        identity: identity
+      )
+
+      expect(result).to eq(existing_destination)
+    end
+
+    context 'when destination does not exist' do
+      it 'creates new destination' do
+        allow(described_class).to receive(:tokenize_card!).and_return(tokenized_card)
+        new_destination = double('NewDestination')
+        allow(described_class).to receive(:create_destination!).and_return(new_destination)
+
+        expect(described_class).to receive(:create_destination!).with(
+          identity: identity,
+          tokenized_card: tokenized_card
+        )
+
+        result = described_class.find_or_create_from_card_details(
+          number: '4111111111111111',
+          name: 'John Doe',
+          exp_date: '12/25',
+          identity: identity
+        )
+
+        expect(result).to eq(new_destination)
+      end
+    end
+  end
+
+  describe '.create_destination!' do
+    let(:identity) { PaymentServices::Rbk::Identity.create!(rbk_id: 'identity_123') }
+    let(:tokenized_card) do
+      {
+        'token' => 'token_123',
+        'paymentSystem' => 'visa',
+        'bin' => '411111',
+        'lastDigits' => '1111'
+      }
+    end
+    let(:client) { double('PayoutDestinationClient') }
+    let(:response) { { 'id' => 'dest_123', 'status' => 'authorized' } }
+
+    before do
+      allow(PaymentServices::Rbk::PayoutDestinationClient).to receive(:new).and_return(client)
+      allow(client).to receive(:create_destination).and_return(response)
+      allow(SecureRandom).to receive(:hex).with(10).and_return('abc123def456')
+    end
+
+    it 'creates destination with correct attributes' do
+      destination = described_class.create_destination!(
+        identity: identity,
+        tokenized_card: tokenized_card
+      )
+
+      expect(destination.rbk_identity).to eq(identity)
+      expect(destination.rbk_id).to eq('dest_123')
+      expect(destination.public_id).to eq('abc123def456')
+      expect(destination.card_brand).to eq('visa')
+      expect(destination.card_bin).to eq('411111')
+      expect(destination.card_suffix).to eq('1111')
+      expect(destination.payment_token).to eq('token_123')
+      expect(destination.rbk_status).to eq('authorized')
+      expect(destination.payload).to eq(response)
+    end
+
+    it 'raises error when response has no id' do
+      allow(client).to receive(:create_destination).and_return({ 'status' => 'error' })
+
+      expect {
+        described_class.create_destination!(identity: identity, tokenized_card: tokenized_card)
+      }.to raise_error(described_class::Error, 'Rbk failed to create destination: {"status"=>"error"}')
+    end
+  end
+
+  describe '.tokenize_card!' do
+    let(:client) { double('PayoutDestinationClient') }
+    let(:response) { { 'token' => 'token_123', 'paymentSystem' => 'visa' } }
+
+    before do
+      allow(PaymentServices::Rbk::PayoutDestinationClient).to receive(:new).and_return(client)
+      allow(client).to receive(:tokenize_card).and_return(response)
+    end
+
+    it 'returns tokenized card response' do
+      result = described_class.tokenize_card!(
+        number: '4111111111111111',
+        name: 'John Doe',
+        exp_date: '12/25'
+      )
+
+      expect(result).to eq(response)
+    end
+
+    it 'raises error when tokenization fails' do
+      allow(client).to receive(:tokenize_card).and_return({ 'error' => 'invalid card' })
+
+      expect {
+        described_class.tokenize_card!(
+          number: '4111111111111111',
+          name: 'John Doe',
+          exp_date: '12/25'
+        )
+      }.to raise_error(described_class::Error, 'Rbk tokenization error: {"error"=>"invalid card"}')
+    end
+  end
+
+  describe '#authorized?' do
+    it 'returns true when status is Authorized' do
+      destination = described_class.new(rbk_status: 'Authorized')
+      expect(destination.authorized?).to be true
+    end
+
+    it 'returns false when status is not Authorized' do
+      destination = described_class.new(rbk_status: 'Pending')
+      expect(destination.authorized?).to be false
+    end
+  end
+
+  describe '#refresh_info!' do
+    let(:identity) { PaymentServices::Rbk::Identity.create!(rbk_id: 'identity_123') }
+    let(:destination) do
+      described_class.create!(
+        rbk_identity: identity,
+        rbk_id: 'dest_123',
+        public_id: 'dest_123',
+        payment_token: 'token_123',
+        card_brand: 'visa',
+        card_bin: '411111',
+        card_suffix: '1111',
+        rbk_status: 'Authorized',
+        payload: { 'test' => 'data' }
+      )
+    end
+    let(:client) { double('PayoutDestinationClient') }
+    let(:response) { { 'id' => 'dest_456', 'status' => 'completed' } }
+
+    before do
+      allow(PaymentServices::Rbk::PayoutDestinationClient).to receive(:new).and_return(client)
+      allow(client).to receive(:info).with(destination).and_return(response)
+    end
+
+    it 'updates destination with response data' do
+      destination.refresh_info!
+
+      expect(destination.rbk_status).to eq('completed')
+      expect(destination.payload).to eq(response)
+    end
+
+    it 'does nothing when response has no status' do
+      allow(client).to receive(:info).and_return({ 'id' => 'dest_123' })
+
+      expect { destination.refresh_info! }.not_to change(destination, :rbk_status)
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/rbk/payout_spec.rb b/spec/payment_services/rbk/payout_spec.rb
new file mode 100644
index 00000000..3aa376d3
--- /dev/null
+++ b/spec/payment_services/rbk/payout_spec.rb
@@ -0,0 +1,117 @@
+# frozen_string_literal: true
+
+require 'rails_helper'
+
+RSpec.describe PaymentServices::Rbk::Payout, type: :model do
+
+  describe 'associations' do
+    it { is_expected.to belong_to(:rbk_payout_destination) }
+    it { is_expected.to belong_to(:rbk_wallet) }
+  end
+
+  describe '.create_from!' do
+    let(:identity) { PaymentServices::Rbk::Identity.create!(rbk_id: 'identity_123') }
+    let(:destination) do
+      PaymentServices::Rbk::PayoutDestination.create!(
+        rbk_identity: identity,
+        rbk_id: 'dest_456',
+        public_id: 'dest_123',
+        payment_token: 'token_123',
+        card_brand: 'visa',
+        card_bin: '411111',
+        card_suffix: '1111',
+        rbk_status: 'Authorized',
+        payload: { 'test' => 'data' }
+      )
+    end
+    let(:wallet) { PaymentServices::Rbk::Wallet.create!(rbk_identity: identity, rbk_id: 'wallet_123') }
+    let(:payout_client) { double('PayoutClient') }
+    let(:response) { { 'id' => 'payout_123', 'status' => 'processed' } }
+
+    before do
+      allow(PaymentServices::Rbk::PayoutClient).to receive(:new).and_return(payout_client)
+      allow(payout_client).to receive(:make_payout).and_return(response)
+    end
+
+    it 'creates payout with response data' do
+      payout = described_class.create_from!(
+        destination: destination,
+        wallet: wallet,
+        amount_cents: 5000
+      )
+
+      expect(payout.rbk_id).to eq('payout_123')
+      expect(payout.rbk_payout_destination).to eq(destination)
+      expect(payout.rbk_wallet).to eq(wallet)
+      expect(payout.amount_cents).to eq(5000)
+      expect(payout.payload).to eq(response)
+      expect(payout.rbk_status).to eq('processed')
+    end
+
+    it 'raises error when response status is missing' do
+      allow(payout_client).to receive(:make_payout).and_return({ 'id' => 'payout_123' })
+
+      expect {
+        described_class.create_from!(
+          destination: destination,
+          wallet: wallet,
+          amount_cents: 5000
+        )
+      }.to raise_error(described_class::Error, 'Rbk payout error: {"id"=>"payout_123"}')
+    end
+  end
+
+  describe '#refresh_info!' do
+    let(:identity) { PaymentServices::Rbk::Identity.create!(rbk_id: 'identity_123') }
+    let(:destination) do
+      PaymentServices::Rbk::PayoutDestination.create!(
+        rbk_identity: identity,
+        rbk_id: 'dest_456',
+        public_id: 'dest_123',
+        payment_token: 'token_123',
+        card_brand: 'visa',
+        card_bin: '411111',
+        card_suffix: '1111',
+        rbk_status: 'Authorized',
+        payload: { 'test' => 'data' }
+      )
+    end
+    let(:wallet) { PaymentServices::Rbk::Wallet.create!(rbk_identity: identity, rbk_id: 'wallet_123') }
+    let(:payout) do
+      described_class.create!(
+        rbk_id: 'payout_123',
+        rbk_payout_destination: destination,
+        rbk_wallet: wallet,
+        amount_cents: 5000,
+        rbk_status: 'processed',
+        payload: { 'test' => 'data' }
+      )
+    end
+    let(:payout_client) { double('PayoutClient') }
+    let(:response) { { 'id' => 'payout_123', 'status' => 'completed' } }
+
+    before do
+      allow(PaymentServices::Rbk::PayoutClient).to receive(:new).and_return(payout_client)
+      allow(payout_client).to receive(:info).with(payout).and_return(response)
+    end
+
+    it 'updates payout with response data' do
+      payout.refresh_info!
+
+      expect(payout.rbk_status).to eq('completed')
+      expect(payout.payload).to eq(response)
+    end
+
+    it 'does nothing when response is empty' do
+      allow(payout_client).to receive(:info).and_return(nil)
+
+      expect { payout.refresh_info! }.not_to change(payout, :rbk_status)
+    end
+
+    it 'does nothing when response has no status' do
+      allow(payout_client).to receive(:info).and_return({ 'id' => 'payout_123' })
+
+      expect { payout.refresh_info! }.not_to change(payout, :rbk_status)
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/rbk/wallet_spec.rb b/spec/payment_services/rbk/wallet_spec.rb
new file mode 100644
index 00000000..3e14f555
--- /dev/null
+++ b/spec/payment_services/rbk/wallet_spec.rb
@@ -0,0 +1,29 @@
+# frozen_string_literal: true
+
+require 'rails_helper'
+
+RSpec.describe PaymentServices::Rbk::Wallet, type: :model do
+  describe 'associations' do
+    it { is_expected.to belong_to(:rbk_identity) }
+  end
+
+  describe '.create_for_identity' do
+    let(:identity) { double('Identity', id: 1, rbk_wallets: double('wallets')) }
+    let(:wallet_client) { double('WalletClient') }
+    let(:response) { { 'id' => 'wallet_123', 'name' => 'Test Wallet' } }
+
+    before do
+      allow(PaymentServices::Rbk::WalletClient).to receive(:new).and_return(wallet_client)
+      allow(wallet_client).to receive(:create_wallet).with(identity: identity).and_return(response)
+    end
+
+    it 'creates a wallet with response data' do
+      expect(identity.rbk_wallets).to receive(:create!).with(
+        rbk_id: 'wallet_123',
+        payload: response
+      )
+
+      described_class.create_for_identity(identity)
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/payment_services/tronscan/transaction_spec.rb b/spec/payment_services/tronscan/transaction_spec.rb
new file mode 100644
index 00000000..ba7c6d9f
--- /dev/null
+++ b/spec/payment_services/tronscan/transaction_spec.rb
@@ -0,0 +1,77 @@
+# frozen_string_literal: true
+
+require_relative '../../../lib/payment_services/tronscan/transaction'
+
+RSpec.describe PaymentServices::Tronscan::Transaction do
+  describe '.build_from' do
+    let(:raw_transaction) do
+      {
+        id: 'tx_12345',
+        created_at: Time.new(2023, 1, 1, 12, 0, 0),
+        source: {
+          'amount' => '100.5',
+          'currency' => 'TRX',
+          'confirmed' => true
+        }
+      }
+    end
+
+    it 'creates transaction from raw data' do
+      transaction = described_class.build_from(raw_transaction: raw_transaction)
+
+      expect(transaction.id).to eq('tx_12345')
+      expect(transaction.created_at).to eq(Time.new(2023, 1, 1, 12, 0, 0))
+      expect(transaction.source).to eq(
+        {
+          amount: '100.5',
+          currency: 'TRX',
+          confirmed: true
+        }
+      )
+    end
+
+    it 'symbolizes keys in source hash' do
+      transaction = described_class.build_from(raw_transaction: raw_transaction)
+      expect(transaction.source.keys).to all(be_a(Symbol))
+    end
+  end
+
+  describe '#to_s' do
+    let(:source) { { id: '123', amount: '100', confirmed: true } }
+    let(:transaction) { described_class.new(source: source) }
+
+    it 'returns source as string' do
+      expect(transaction.to_s).to eq(source.to_s)
+    end
+  end
+
+  describe '#successful?' do
+    context 'when source confirmed is true' do
+      it 'returns true' do
+        transaction = described_class.new(source: { confirmed: true })
+        expect(transaction.successful?).to be true
+      end
+    end
+
+    context 'when source confirmed is false' do
+      it 'returns false' do
+        transaction = described_class.new(source: { confirmed: false })
+        expect(transaction.successful?).to be false
+      end
+    end
+
+    context 'when source is empty' do
+      it 'returns false' do
+        transaction = described_class.new(source: {})
+        expect(transaction.successful?).to be false
+      end
+    end
+
+    context 'when source is nil' do
+      it 'returns false' do
+        transaction = described_class.new(source: nil)
+        expect(transaction.successful?).to be false
+      end
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/rails_helper.rb b/spec/rails_helper.rb
new file mode 100644
index 00000000..730615ca
--- /dev/null
+++ b/spec/rails_helper.rb
@@ -0,0 +1,49 @@
+# frozen_string_literal: true
+
+# Copyright (c) 2018 FINFEX https://github.com/finfex
+
+require 'spec_helper'
+
+# Configure ActiveRecord for testing
+ENV['RAILS_ENV'] ||= 'test'
+
+# Load ActiveRecord and establish connection
+require 'active_record'
+require 'yaml'
+require 'database_cleaner-active_record'
+require 'active_support/time'
+require 'active_record/fixtures'
+require 'pathname'
+
+# Configure time zone
+Time.zone = 'UTC'
+
+# Define Rails.root for fixtures
+module Rails
+  def self.root
+    @root ||= Pathname.new(File.join(__dir__, '..'))
+  end
+end
+
+db_config = YAML.load_file(File.join(__dir__, '..', 'config', 'database.yml'))
+ActiveRecord::Base.establish_connection(db_config['test'])
+
+# Create tables needed for tests
+require_relative 'support/schema'
+require_relative 'support/models'
+
+
+# Configure RSpec for Rails/ActiveRecord
+RSpec.configure do |config|
+  # Clean up database before each test
+  config.before(:suite) do
+    DatabaseCleaner.strategy = :transaction
+    DatabaseCleaner.clean_with(:truncation)
+  end
+
+  config.around(:each) do |example|
+    DatabaseCleaner.cleaning do
+      example.run
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/spec_helper.rb b/spec/spec_helper.rb
index 61f595dd..0f4f42ef 100644
--- a/spec/spec_helper.rb
+++ b/spec/spec_helper.rb
@@ -6,9 +6,19 @@
 Bundler.require(:development, :test)
 require 'active_support/core_ext/module'
 require 'virtus'
+require 'database_cleaner-active_record'
 
 require 'payment_services'
 
+# Load shoulda-matchers
+require 'shoulda/matchers'
+Shoulda::Matchers.configure do |config|
+  config.integrate do |with|
+    with.test_framework :rspec
+    with.library :active_record
+  end
+end
+
 RSpec.configure do |config|
   # Enable flags like --only-failures and --next-failure
   config.example_status_persistence_file_path = '.rspec_status'
diff --git a/spec/support/models.rb b/spec/support/models.rb
new file mode 100644
index 00000000..ab6356f7
--- /dev/null
+++ b/spec/support/models.rb
@@ -0,0 +1,6 @@
+# frozen_string_literal: true
+
+# Define minimal models needed for testing
+class User < ActiveRecord::Base
+  # Minimal user model for association testing
+end
\ No newline at end of file
diff --git a/spec/support/schema.rb b/spec/support/schema.rb
new file mode 100644
index 00000000..a9fa1e5a
--- /dev/null
+++ b/spec/support/schema.rb
@@ -0,0 +1,125 @@
+# frozen_string_literal: true
+
+# Create database tables needed for testing
+ActiveRecord::Schema.define do
+  # User table for associations
+  create_table :users, force: true do |t|
+    t.integer "group_id", default: 1, null: false
+    t.string "login", limit: 100
+    t.string "nickname", limit: 100, default: "", null: false
+    t.string "password", limit: 60, null: false
+    t.string "email", null: false
+    t.string "phone", limit: 100
+    t.string "icq", limit: 15, default: "", null: false
+    t.datetime "regdate", null: false
+    t.datetime "logdate", null: false
+    t.date "birthdate", null: false
+    t.boolean "is_locked", default: false, null: false
+    t.integer "is_locked2", limit: 1, default: 0, null: false
+    t.boolean "is_logged_once", default: false, null: false
+    t.integer "rating", default: 0, null: false
+    t.integer "points", default: 0, null: false
+    t.string "last_ip", limit: 15, default: "", null: false
+    t.string "status", default: "", null: false
+    t.datetime "status_date"
+    t.integer "invited_by"
+    t.datetime "invdate"
+    t.timestamps
+  end
+
+  # RBK Money tables
+  create_table :rbk_money_customers, force: true do |t|
+    t.string "rbk_id", null: false
+    t.integer "user_id", null: false
+    t.json "payload"
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.text "access_token", null: false
+    t.datetime "access_token_expired_at"
+    t.index ["user_id"], name: "index_rbk_money_customers_on_user_id"
+  end
+
+  create_table :rbk_payment_cards, force: true do |t|
+    t.string "rbk_id", null: false
+    t.string "bin", null: false
+    t.string "last_digits", null: false
+    t.string "rbk_customer_id", null: false
+    t.string "brand", null: false
+    t.integer "card_type", default: 0, null: false
+    t.json "payload", null: false
+    t.index ["rbk_customer_id"], name: "index_rbk_payment_cards_on_rbk_customer_id"
+  end
+
+  create_table :rbk_identities, force: true do |t|
+    t.string "rbk_id", null: false
+    t.json "payload"
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.boolean "current", default: false, null: false
+  end
+
+  create_table :rbk_wallets, force: true do |t|
+    t.string "rbk_id", null: false
+    t.bigint "rbk_identity_id", null: false
+    t.json "payload"
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.boolean "current", default: false, null: false
+    t.index ["rbk_identity_id"], name: "fk_rails_b1e89ecd83"
+  end
+
+  create_table :rbk_money_invoices, force: true do |t|
+    t.integer "amount_in_cents", null: false
+    t.string "rbk_invoice_id"
+    t.string "description"
+    t.string "state"
+    t.json "payload"
+    t.bigint "order_public_id", null: false
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.text "access_token"
+    t.index ["order_public_id"], name: "index_rbk_money_invoices_on_order_public_id", unique: true
+  end
+
+  create_table :rbk_money_payments, force: true do |t|
+    t.string "rbk_id", null: false
+    t.string "state", null: false
+    t.integer "amount_in_cents", null: false
+    t.json "payload"
+    t.json "refund_payload"
+    t.bigint "order_public_id", null: false
+    t.bigint "rbk_money_invoice_id"
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["order_public_id"], name: "index_rbk_money_payments_on_order_public_id", unique: true
+    t.index ["rbk_money_invoice_id"], name: "index_rbk_money_payments_on_rbk_money_invoice_id"
+  end
+
+  create_table :rbk_payouts, force: true do |t|
+    t.bigint "rbk_payout_destination_id", null: false
+    t.bigint "rbk_wallet_id", null: false
+    t.integer "amount_cents", null: false
+    t.json "payload"
+    t.string "rbk_status", null: false
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.string "rbk_id", null: false
+    t.index ["rbk_payout_destination_id"], name: "fk_rails_eb1172faa0"
+    t.index ["rbk_wallet_id"], name: "fk_rails_4be66d8283"
+  end
+
+  create_table :rbk_payout_destinations, force: true do |t|
+    t.bigint "rbk_identity_id", null: false
+    t.string "rbk_id", null: false
+    t.string "public_id", null: false
+    t.string "card_brand", null: false
+    t.string "card_bin", null: false
+    t.string "card_suffix", null: false
+    t.string "payment_token", null: false
+    t.string "rbk_status", null: false
+    t.json "payload", null: false
+    t.datetime "created_at", null: false
+    t.datetime "updated_at", null: false
+    t.index ["rbk_identity_id"], name: "fk_rails_d31b9211b9"
+  end
+end
\ No newline at end of file
diff --git a/spec/unit/base_client_spec.rb b/spec/unit/base_client_spec.rb
new file mode 100644
index 00000000..ebf078eb
--- /dev/null
+++ b/spec/unit/base_client_spec.rb
@@ -0,0 +1,128 @@
+# frozen_string_literal: true
+
+require 'net/http'
+require 'uri'
+require 'json'
+
+# Mock the base client class for testing
+class TestBaseClient
+  TIMEOUT = 30
+
+  def http_request(url:, method:, body: nil, headers: nil)
+    uri = URI.parse(url)
+    https = http(uri)
+    request = build_request(uri: uri, method: method, body: body, headers: headers)
+    https.request(request)
+  end
+
+  def build_request(uri:, method:, body: nil, headers: nil)
+    request = if method == :POST
+                Net::HTTP::Post.new(uri.request_uri, headers)
+              elsif method == :GET
+                Net::HTTP::Get.new(uri.request_uri, headers)
+              elsif method == :PATCH
+                Net::HTTP::Patch.new(uri.request_uri, headers)
+              else
+                raise "Запрос #{method} не поддерживается!"
+              end
+    request.body = body
+    request
+  end
+
+  def http(uri)
+    Net::HTTP.start(uri.host, uri.port,
+                    use_ssl: true,
+                    verify_mode: OpenSSL::SSL::VERIFY_NONE,
+                    open_timeout: TIMEOUT,
+                    read_timeout: TIMEOUT)
+  end
+
+  def safely_parse(response)
+    res = JSON.parse(response.body)
+    res
+  rescue JSON::ParserError, TypeError => err
+    response.body
+  end
+end
+
+RSpec.describe TestBaseClient do
+  let(:client) { described_class.new }
+
+  describe '#build_request' do
+    let(:uri) { URI.parse('https://example.com/api') }
+
+    context 'when method is POST' do
+      it 'creates Net::HTTP::Post request' do
+        request = client.build_request(uri: uri, method: :POST, body: 'test data')
+
+        expect(request).to be_a(Net::HTTP::Post)
+        expect(request.body).to eq('test data')
+      end
+    end
+
+    context 'when method is GET' do
+      it 'creates Net::HTTP::Get request' do
+        request = client.build_request(uri: uri, method: :GET)
+
+        expect(request).to be_a(Net::HTTP::Get)
+      end
+    end
+
+    context 'when method is PATCH' do
+      it 'creates Net::HTTP::Patch request' do
+        request = client.build_request(uri: uri, method: :PATCH, body: 'patch data')
+
+        expect(request).to be_a(Net::HTTP::Patch)
+        expect(request.body).to eq('patch data')
+      end
+    end
+
+    context 'when method is unsupported' do
+      it 'raises error' do
+        expect {
+          client.build_request(uri: uri, method: :DELETE)
+        }.to raise_error('Запрос DELETE не поддерживается!')
+      end
+    end
+  end
+
+  describe '#safely_parse' do
+    let(:response) { double('Response') }
+
+    context 'when response body is valid JSON' do
+      before do
+        allow(response).to receive(:body).and_return('{"status": "success", "data": [1, 2, 3]}')
+      end
+
+      it 'parses JSON and returns hash' do
+        result = client.safely_parse(response)
+
+        expect(result).to eq({ 'status' => 'success', 'data' => [1, 2, 3] })
+      end
+    end
+
+    context 'when response body is invalid JSON' do
+      before do
+        allow(response).to receive(:body).and_return('invalid json')
+      end
+
+      it 'returns raw body' do
+        result = client.safely_parse(response)
+
+        expect(result).to eq('invalid json')
+      end
+    end
+
+    context 'when response body is nil' do
+      before do
+        allow(response).to receive(:body).and_return(nil)
+      end
+
+      it 'returns nil body' do
+        result = client.safely_parse(response)
+
+        expect(result).to be_nil
+      end
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/unit/exmo_transaction_spec.rb b/spec/unit/exmo_transaction_spec.rb
new file mode 100644
index 00000000..646b3de0
--- /dev/null
+++ b/spec/unit/exmo_transaction_spec.rb
@@ -0,0 +1,107 @@
+# frozen_string_literal: true
+
+# Minimal test for Exmo Transaction model without loading full application
+require 'virtus'
+
+# Mock the transaction class for testing
+class TestExmoTransaction
+  include Virtus.model
+
+  SUCCESSFULL_PROVIDER_STATE = 'Paid'
+  FAILED_PROVIDER_STATES = %w(Cancelled Error)
+
+  attribute :id, String
+  attribute :provider_state, Integer
+  attribute :source, String
+
+  def self.build_from(raw_transaction:)
+    new(
+      id: raw_transaction['extra']['txid'],
+      provider_state: raw_transaction['status'],
+      source: raw_transaction
+    )
+  end
+
+  def to_s
+    source.to_s
+  end
+
+  def successful?
+    provider_state == SUCCESSFULL_PROVIDER_STATE
+  end
+
+  def failed?
+    FAILED_PROVIDER_STATES.include?(provider_state)
+  end
+end
+
+RSpec.describe TestExmoTransaction do
+  describe '.build_from' do
+    let(:raw_transaction) do
+      {
+        'status' => 'Paid',
+        'extra' => {
+          'txid' => 'tx_12345'
+        },
+        'amount' => '100.5',
+        'currency' => 'BTC'
+      }
+    end
+
+    it 'creates transaction from raw data' do
+      transaction = described_class.build_from(raw_transaction: raw_transaction)
+
+      expect(transaction.id).to eq('tx_12345')
+      expect(transaction.provider_state).to eq('Paid')
+      expect(transaction.source).to eq(raw_transaction)
+    end
+  end
+
+  describe '#to_s' do
+    let(:source) { { 'id' => '123', 'status' => 'Paid' } }
+    let(:transaction) { described_class.new(source: source) }
+
+    it 'returns source as string' do
+      expect(transaction.to_s).to eq(source.to_s)
+    end
+  end
+
+  describe '#successful?' do
+    context 'when provider_state is Paid' do
+      it 'returns true' do
+        transaction = described_class.new(provider_state: 'Paid')
+        expect(transaction.successful?).to be true
+      end
+    end
+
+    context 'when provider_state is not Paid' do
+      it 'returns false' do
+        transaction = described_class.new(provider_state: 'Pending')
+        expect(transaction.successful?).to be false
+      end
+    end
+  end
+
+  describe '#failed?' do
+    context 'when provider_state is Cancelled' do
+      it 'returns true' do
+        transaction = described_class.new(provider_state: 'Cancelled')
+        expect(transaction.failed?).to be true
+      end
+    end
+
+    context 'when provider_state is Error' do
+      it 'returns true' do
+        transaction = described_class.new(provider_state: 'Error')
+        expect(transaction.failed?).to be true
+      end
+    end
+
+    context 'when provider_state is not in failed states' do
+      it 'returns false' do
+        transaction = described_class.new(provider_state: 'Paid')
+        expect(transaction.failed?).to be false
+      end
+    end
+  end
+end
\ No newline at end of file
diff --git a/spec/unit/tronscan_transaction_spec.rb b/spec/unit/tronscan_transaction_spec.rb
new file mode 100644
index 00000000..cbe95e5b
--- /dev/null
+++ b/spec/unit/tronscan_transaction_spec.rb
@@ -0,0 +1,112 @@
+# frozen_string_literal: true
+
+# Minimal test for Tronscan Transaction model without loading full application
+require 'virtus'
+
+# Mock the transaction class for testing
+class TestTronscanTransaction
+  include Virtus.model
+
+  attribute :id, String
+  attribute :created_at, DateTime
+  attribute :source, Hash
+
+  def self.build_from(raw_transaction:)
+    new(
+      id: raw_transaction[:id],
+      created_at: raw_transaction[:created_at],
+      source: raw_transaction[:source].deep_symbolize_keys
+    )
+  end
+
+  def to_s
+    source.to_s
+  end
+
+  def successful?
+    source&.dig(:confirmed) || false
+  end
+end
+
+# Add deep_symbolize_keys method for hash
+class Hash
+  def deep_symbolize_keys
+    each_with_object({}) do |(key, value), hash|
+      hash[key.to_sym] = value.is_a?(Hash) ? value.deep_symbolize_keys : value
+    end
+  end
+end
+
+RSpec.describe TestTronscanTransaction do
+  describe '.build_from' do
+    let(:raw_transaction) do
+      {
+        id: 'tx_12345',
+        created_at: Time.new(2023, 1, 1, 12, 0, 0),
+        source: {
+          'amount' => '100.5',
+          'currency' => 'TRX',
+          'confirmed' => true
+        }
+      }
+    end
+
+    it 'creates transaction from raw data' do
+      transaction = described_class.build_from(raw_transaction: raw_transaction)
+
+      expect(transaction.id).to eq('tx_12345')
+      expect(transaction.created_at).to eq(Time.new(2023, 1, 1, 12, 0, 0))
+      expect(transaction.source).to eq(
+        {
+          amount: '100.5',
+          currency: 'TRX',
+          confirmed: true
+        }
+      )
+    end
+
+    it 'symbolizes keys in source hash' do
+      transaction = described_class.build_from(raw_transaction: raw_transaction)
+      expect(transaction.source.keys).to all(be_a(Symbol))
+    end
+  end
+
+  describe '#to_s' do
+    let(:source) { { id: '123', amount: '100', confirmed: true } }
+    let(:transaction) { described_class.new(source: source) }
+
+    it 'returns source as string' do
+      expect(transaction.to_s).to eq(source.to_s)
+    end
+  end
+
+  describe '#successful?' do
+    context 'when source confirmed is true' do
+      it 'returns true' do
+        transaction = described_class.new(source: { confirmed: true })
+        expect(transaction.successful?).to be true
+      end
+    end
+
+    context 'when source confirmed is false' do
+      it 'returns false' do
+        transaction = described_class.new(source: { confirmed: false })
+        expect(transaction.successful?).to be false
+      end
+    end
+
+    context 'when source is empty' do
+      it 'returns false' do
+        transaction = described_class.new(source: {})
+        expect(transaction.successful?).to be false
+      end
+    end
+
+    context 'when source is nil' do
+      it 'returns false' do
+        transaction = described_class.new(source: nil)
+        expect(transaction.successful?).to be false
+      end
+    end
+  end
+end
\ No newline at end of file