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Core: Implement Automatic Payment Retry with Exponential Backoff #261

@Smartdevs17

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@Smartdevs17

Description\nImplement automatic payment retry with exponential backoff for failed transactions. Most blockchain failures are transient and can succeed on retry.\n\nCurrent Limitation: Failed transactions require manual retry.\nExpected Outcome: Automatic retry with configurable attempts, backoff periods, and notification on final failure.\n## Acceptance Criteria\n- [ ] Retry configuration per payment type\n- [ ] Exponential backoff algorithm\n- [ ] Max retry limits\n- [ ] Transient error detection\n- [ ] Failure notification\n- [ ] Manual retry override\n- [ ] Retry analytics\n- [ ] Circuit breaker on repeated failures\n## Technical Scope\n- Files: backend/payments/retry\n- Edge Cases: Gas price spikes, network congestion\n## Complexity Estimate\n200 points - Retry logic, circuit breaker.

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Stellar WaveIssues in the Stellar wave programenhancementNew feature or request

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