One Anchor program. Four account types. Seven instructions. One signer for everything that matters, the agent key, which lives with x-0 and nowhere else. No admin key. No upgrade authority after the first month. The operator has no key to this program at all; the operator only holds the X Money account and can only act after x-0 has written what to do.
At five hundred dollars or more the interval is ten minutes. Below that it is ten times five hundred divided by the dollars, rounded, and never more than one thousand four hundred forty minutes, which is one day. At zero dollars there is no next beat.
Stage is the highest numbered condition that is true right now, counted from Pulse, Fuel, Order, and Hand accounts. It can go down if nothing else changes, because it is never remembered, only computed.