# 2026-07-09 — Merchant demo + bank link

1. Disabled mandatory SMS/email TAN on merchant (`MANDATORY_TAN_CHANNELS` empty).
2. Self-provisioned instance `goa-demo-cp4zqk` via `POST /instances` (HTTP 200, no challenge).
3. Created bank user `goa-demo-cp4zqk`, credited **GOA:5000**.
4. Linked payto to merchant: `POST .../private/accounts` → active wire account.

See `configs/taler-merchant/demo-instance-goa-demo-cp4zqk.md`.