Withdrawal payouts stuck at PENDING/PROCESSING -- the agent's wallet balance is only debited once a withdrawal is confirmed settled, so these are payouts where that never happened internally, regardless of whether the money actually left via AzamPay. Reconcile independently re-checks each one directly with AzamPay before acting -- it only settles (and debits the agent) on a confirmed success, marks failed on a confirmed failure, and leaves anything inconclusive untouched. Most recently stuck first.