Tuition, bound to one school

1. 1. Guardian checks the Harbourview fee lines.
2. 2. Lock $200. The contract uses the owner rate.
3. 3. Confirm. Treasury gets $199, the fee account keeps $1, Priya sees ₹16,616.50.

The sender locks $200 for the beneficiary. The contract reads the owner-set rate. Payout can go only to the approved school. The rail in this run is MockUPI. A simulated reference is not an NPCI settlement id.