diff --git a/.circleci/config.yml b/.circleci/config.yml
index 041dbb5..ce8e88e 100644
--- a/.circleci/config.yml
+++ b/.circleci/config.yml
@@ -1,7 +1,7 @@
 version: 2.1
 setup: true
 orbs:
-  build: mojaloop/build@1.1.1
+  build: mojaloop/build@1.1.7
 workflows:
   setup:
     jobs:
diff --git a/.grype.yaml b/.grype.yaml
index 6d9264c..b84b854 100644
--- a/.grype.yaml
+++ b/.grype.yaml
@@ -1,23 +1,11 @@
 ignore:
-  # Ignore cross-spawn vulnerabilities by CVE ID due to false positive
-  # as grype looks at package-lock.json where it shows versions with
-  # vulnerabilities, npm ls shows only 7.0.6 verion is used
-  - vulnerability: "GHSA-3xgq-45jj-v275"
-    package:
-      name: "cross-spawn"
-  - vulnerability: "CVE-2025-23166"
-    package:
-      name: "node"
-  - vulnerability: "CVE-2025-23167"
-    package:
-      name: "node"
-  # Ignore validator URL validation bypass - no patch available yet
-  # Vulnerability: isURL() function can be bypassed using protocol delimiter differences
-  # Severity: Medium (CVSS 6.1) - Waiting for upstream fix
-  - vulnerability: "GHSA-9965-vmph-33xx"
-    package:
-      name: "validator"
-
+  - vulnerability: CVE-2025-46394
+    reason: "No fixes to busybox apk available as of 2025-10-16 on Dockerfile base image 22.20.0-alpine3.22"
+  - vulnerability: CVE-2024-58251
+    reason: "No fixes to busybox apk available as of 2025-10-16 on Dockerfile base image 22.20.0-alpine3.22"
+  - vulnerability: CVE-2025-56200
+    include-aliases: true
+    reason: "No fixes available as of 2025-10-16 on validator npm package"
 
 # Set output format defaults
 output:
diff --git a/.nvmrc b/.nvmrc
index 8320a6d..442c758 100644
--- a/.nvmrc
+++ b/.nvmrc
@@ -1 +1 @@
-22.15.1
+22.20.0
diff --git a/CODEOWNERS b/CODEOWNERS
index f0157db..aa1d27e 100644
--- a/CODEOWNERS
+++ b/CODEOWNERS
@@ -6,7 +6,7 @@
 ## @global-owner1 and @global-owner2 will be requested for
 ## review when someone opens a pull request.
 #*       @global-owner1 @global-owner2
-*   @kleyow
+* @elnyry-sam-k  @bushjames @kleyow @shashi165 @gibaros
 ## Order is important; the last matching pattern takes the most
 ## precedence. When someone opens a pull request that only
 ## modifies JS files, only @js-owner and not the global
diff --git a/Dockerfile b/Dockerfile
index 2807fe3..342d462 100644
--- a/Dockerfile
+++ b/Dockerfile
@@ -1,5 +1,5 @@
 # Arguments
-ARG NODE_VERSION=lts-alpine
+ARG NODE_VERSION=22.20.0-alpine3.22
 
 # NOTE: Ensure you set NODE_VERSION Build Argument as follows...
 #
diff --git a/audit-ci.jsonc b/audit-ci.jsonc
index cdb25a5..0972569 100644
--- a/audit-ci.jsonc
+++ b/audit-ci.jsonc
@@ -5,15 +5,6 @@
   "moderate": true,
   "allowlist": [ // NOTE: Please add as much information as possible to any items added to the allowList
     // Currently no fixes available for the following
-    "GHSA-wf5p-g6vw-rhxx", // axios
-    "GHSA-pfrx-2q88-qq97", // npm-check-updates>update-notifier>latest-version>package-json>got
-    "GHSA-p8p7-x288-28g6", // npm-check-updates>pacote>@npmcli/run-script>node-gyp>request
-    "GHSA-72xf-g2v4-qvf3",  // npm-check-updates>pacote>@npmcli/run-script>node-gyp>request>tough-cookie
-    "GHSA-3xgq-45jj-v275", // https://github.com/advisories/GHSA-3xgq-45jj-v275
-    "GHSA-phwq-j96m-2c2q", // https://github.com/advisories/GHSA-phwq-j96m-2c2q
-    "GHSA-ghr5-ch3p-vcr6", // https://github.com/advisories/GHSA-ghr5-ch3p-vcr6
-    "GHSA-cgfm-xwp7-2cvr", // https://github.com/advisories/GHSA-cgfm-xwp7-2cvr
-    "GHSA-9965-vmph-33xx", // https://github.com/advisories/GHSA-9965-vmph-33xx
-    "GHSA-fjxv-7rqg-78g4" // https://github.com/advisories/GHSA-fjxv-7rqg-78g4
+    "GHSA-9965-vmph-33xx" // validator.js URL validation bypass - no fix available in validator <=13.15.15
   ]
 }
diff --git a/package-lock.json b/package-lock.json
index cc2797c..b878a51 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -30,7 +30,7 @@
         "@types/convict": "^6.1.6",
         "@types/express": "^5.0.3",
         "@types/jest": "^30.0.0",
-        "@types/node": "^24.8.1",
+        "@types/node": "^24.9.1",
         "@types/rc": "^1.2.4",
         "@types/supertest": "^6.0.3",
         "@types/uuid": "^11.0.0",
@@ -60,7 +60,7 @@
         "tsconfig-paths": "^4.2.0"
       },
       "engines": {
-        "node": ">=18.x"
+        "node": "22.x"
       }
     },
     "node_modules/@apidevtools/json-schema-ref-parser": {
@@ -670,9 +670,9 @@
       }
     },
     "node_modules/@emnapi/core": {
-      "version": "1.5.0",
-      "resolved": "https://registry.npmjs.org/@emnapi/core/-/core-1.5.0.tgz",
-      "integrity": "sha512-sbP8GzB1WDzacS8fgNPpHlp6C9VZe+SJP3F90W9rLemaQj2PzIuTEl1qDOYQf58YIpyjViI24y9aPWCjEzY2cg==",
+      "version": "1.6.0",
+      "resolved": "https://registry.npmjs.org/@emnapi/core/-/core-1.6.0.tgz",
+      "integrity": "sha512-zq/ay+9fNIJJtJiZxdTnXS20PllcYMX3OE23ESc4HK/bdYu3cOWYVhsOhVnXALfU/uqJIxn5NBPd9z4v+SfoSg==",
       "dev": true,
       "license": "MIT",
       "optional": true,
@@ -682,9 +682,9 @@
       }
     },
     "node_modules/@emnapi/runtime": {
-      "version": "1.5.0",
-      "resolved": "https://registry.npmjs.org/@emnapi/runtime/-/runtime-1.5.0.tgz",
-      "integrity": "sha512-97/BJ3iXHww3djw6hYIfErCZFee7qCtrneuLa20UXFCOTCfBM2cvQHjWJ2EG0s0MtdNwInarqCTz35i4wWXHsQ==",
+      "version": "1.6.0",
+      "resolved": "https://registry.npmjs.org/@emnapi/runtime/-/runtime-1.6.0.tgz",
+      "integrity": "sha512-obtUmAHTMjll499P+D9A3axeJFlhdjOWdKUNs/U6QIGT7V5RjcUW1xToAzjvmgTSQhDbYn/NwfTRoJcQ2rNBxA==",
       "dev": true,
       "license": "MIT",
       "optional": true,
@@ -769,16 +769,6 @@
         "url": "https://github.com/sponsors/epoberezkin"
       }
     },
-    "node_modules/@eslint/eslintrc/node_modules/brace-expansion": {
-      "version": "1.1.12",
-      "resolved": "https://registry.npmjs.org/brace-expansion/-/brace-expansion-1.1.12.tgz",
-      "integrity": "sha512-9T9UjW3r0UW5c1Q7GTwllptXwhvYmEzFhzMfZ9H7FQWt+uZePjZPjBP/W1ZEyZ1twGWom5/56TF4lPcqjnDHcg==",
-      "license": "MIT",
-      "dependencies": {
-        "balanced-match": "^1.0.0",
-        "concat-map": "0.0.1"
-      }
-    },
     "node_modules/@eslint/eslintrc/node_modules/json-schema-traverse": {
       "version": "0.4.1",
       "resolved": "https://registry.npmjs.org/json-schema-traverse/-/json-schema-traverse-0.4.1.tgz",
@@ -1243,16 +1233,6 @@
         "node": ">=10.10.0"
       }
     },
-    "node_modules/@humanwhocodes/config-array/node_modules/brace-expansion": {
-      "version": "1.1.12",
-      "resolved": "https://registry.npmjs.org/brace-expansion/-/brace-expansion-1.1.12.tgz",
-      "integrity": "sha512-9T9UjW3r0UW5c1Q7GTwllptXwhvYmEzFhzMfZ9H7FQWt+uZePjZPjBP/W1ZEyZ1twGWom5/56TF4lPcqjnDHcg==",
-      "license": "MIT",
-      "dependencies": {
-        "balanced-match": "^1.0.0",
-        "concat-map": "0.0.1"
-      }
-    },
     "node_modules/@humanwhocodes/config-array/node_modules/minimatch": {
       "version": "3.1.2",
       "resolved": "https://registry.npmjs.org/minimatch/-/minimatch-3.1.2.tgz",
@@ -1948,16 +1928,16 @@
       }
     },
     "node_modules/@mojaloop/central-services-metrics/node_modules/@typescript-eslint/eslint-plugin": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/eslint-plugin/-/eslint-plugin-8.46.1.tgz",
-      "integrity": "sha512-rUsLh8PXmBjdiPY+Emjz9NX2yHvhS11v0SR6xNJkm5GM1MO9ea/1GoDKlHHZGrOJclL/cZ2i/vRUYVtjRhrHVQ==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/eslint-plugin/-/eslint-plugin-8.46.2.tgz",
+      "integrity": "sha512-ZGBMToy857/NIPaaCucIUQgqueOiq7HeAKkhlvqVV4lm089zUFW6ikRySx2v+cAhKeUCPuWVHeimyk6Dw1iY3w==",
       "license": "MIT",
       "dependencies": {
         "@eslint-community/regexpp": "^4.10.0",
-        "@typescript-eslint/scope-manager": "8.46.1",
-        "@typescript-eslint/type-utils": "8.46.1",
-        "@typescript-eslint/utils": "8.46.1",
-        "@typescript-eslint/visitor-keys": "8.46.1",
+        "@typescript-eslint/scope-manager": "8.46.2",
+        "@typescript-eslint/type-utils": "8.46.2",
+        "@typescript-eslint/utils": "8.46.2",
+        "@typescript-eslint/visitor-keys": "8.46.2",
         "graphemer": "^1.4.0",
         "ignore": "^7.0.0",
         "natural-compare": "^1.4.0",
@@ -1971,21 +1951,21 @@
         "url": "https://opencollective.com/typescript-eslint"
       },
       "peerDependencies": {
-        "@typescript-eslint/parser": "^8.46.1",
+        "@typescript-eslint/parser": "^8.46.2",
         "eslint": "^8.57.0 || ^9.0.0",
         "typescript": ">=4.8.4 <6.0.0"
       }
     },
     "node_modules/@mojaloop/central-services-metrics/node_modules/@typescript-eslint/parser": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/parser/-/parser-8.46.1.tgz",
-      "integrity": "sha512-6JSSaBZmsKvEkbRUkf7Zj7dru/8ZCrJxAqArcLaVMee5907JdtEbKGsZ7zNiIm/UAkpGUkaSMZEXShnN2D1HZA==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/parser/-/parser-8.46.2.tgz",
+      "integrity": "sha512-BnOroVl1SgrPLywqxyqdJ4l3S2MsKVLDVxZvjI1Eoe8ev2r3kGDo+PcMihNmDE+6/KjkTubSJnmqGZZjQSBq/g==",
       "license": "MIT",
       "dependencies": {
-        "@typescript-eslint/scope-manager": "8.46.1",
-        "@typescript-eslint/types": "8.46.1",
-        "@typescript-eslint/typescript-estree": "8.46.1",
-        "@typescript-eslint/visitor-keys": "8.46.1",
+        "@typescript-eslint/scope-manager": "8.46.2",
+        "@typescript-eslint/types": "8.46.2",
+        "@typescript-eslint/typescript-estree": "8.46.2",
+        "@typescript-eslint/visitor-keys": "8.46.2",
         "debug": "^4.3.4"
       },
       "engines": {
@@ -2001,13 +1981,13 @@
       }
     },
     "node_modules/@mojaloop/central-services-metrics/node_modules/@typescript-eslint/scope-manager": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/scope-manager/-/scope-manager-8.46.1.tgz",
-      "integrity": "sha512-weL9Gg3/5F0pVQKiF8eOXFZp8emqWzZsOJuWRUNtHT+UNV2xSJegmpCNQHy37aEQIbToTq7RHKhWvOsmbM680A==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/scope-manager/-/scope-manager-8.46.2.tgz",
+      "integrity": "sha512-LF4b/NmGvdWEHD2H4MsHD8ny6JpiVNDzrSZr3CsckEgCbAGZbYM4Cqxvi9L+WqDMT+51Ozy7lt2M+d0JLEuBqA==",
       "license": "MIT",
       "dependencies": {
-        "@typescript-eslint/types": "8.46.1",
-        "@typescript-eslint/visitor-keys": "8.46.1"
+        "@typescript-eslint/types": "8.46.2",
+        "@typescript-eslint/visitor-keys": "8.46.2"
       },
       "engines": {
         "node": "^18.18.0 || ^20.9.0 || >=21.1.0"
@@ -2018,14 +1998,14 @@
       }
     },
     "node_modules/@mojaloop/central-services-metrics/node_modules/@typescript-eslint/type-utils": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/type-utils/-/type-utils-8.46.1.tgz",
-      "integrity": "sha512-+BlmiHIiqufBxkVnOtFwjah/vrkF4MtKKvpXrKSPLCkCtAp8H01/VV43sfqA98Od7nJpDcFnkwgyfQbOG0AMvw==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/type-utils/-/type-utils-8.46.2.tgz",
+      "integrity": "sha512-HbPM4LbaAAt/DjxXaG9yiS9brOOz6fabal4uvUmaUYe6l3K1phQDMQKBRUrr06BQkxkvIZVVHttqiybM9nJsLA==",
       "license": "MIT",
       "dependencies": {
-        "@typescript-eslint/types": "8.46.1",
-        "@typescript-eslint/typescript-estree": "8.46.1",
-        "@typescript-eslint/utils": "8.46.1",
+        "@typescript-eslint/types": "8.46.2",
+        "@typescript-eslint/typescript-estree": "8.46.2",
+        "@typescript-eslint/utils": "8.46.2",
         "debug": "^4.3.4",
         "ts-api-utils": "^2.1.0"
       },
@@ -2042,9 +2022,9 @@
       }
     },
     "node_modules/@mojaloop/central-services-metrics/node_modules/@typescript-eslint/types": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/types/-/types-8.46.1.tgz",
-      "integrity": "sha512-C+soprGBHwWBdkDpbaRC4paGBrkIXxVlNohadL5o0kfhsXqOC6GYH2S/Obmig+I0HTDl8wMaRySwrfrXVP8/pQ==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/types/-/types-8.46.2.tgz",
+      "integrity": "sha512-lNCWCbq7rpg7qDsQrd3D6NyWYu+gkTENkG5IKYhUIcxSb59SQC/hEQ+MrG4sTgBVghTonNWq42bA/d4yYumldQ==",
       "license": "MIT",
       "engines": {
         "node": "^18.18.0 || ^20.9.0 || >=21.1.0"
@@ -2055,15 +2035,15 @@
       }
     },
     "node_modules/@mojaloop/central-services-metrics/node_modules/@typescript-eslint/typescript-estree": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/typescript-estree/-/typescript-estree-8.46.1.tgz",
-      "integrity": "sha512-uIifjT4s8cQKFQ8ZBXXyoUODtRoAd7F7+G8MKmtzj17+1UbdzFl52AzRyZRyKqPHhgzvXunnSckVu36flGy8cg==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/typescript-estree/-/typescript-estree-8.46.2.tgz",
+      "integrity": "sha512-f7rW7LJ2b7Uh2EiQ+7sza6RDZnajbNbemn54Ob6fRwQbgcIn+GWfyuHDHRYgRoZu1P4AayVScrRW+YfbTvPQoQ==",
       "license": "MIT",
       "dependencies": {
-        "@typescript-eslint/project-service": "8.46.1",
-        "@typescript-eslint/tsconfig-utils": "8.46.1",
-        "@typescript-eslint/types": "8.46.1",
-        "@typescript-eslint/visitor-keys": "8.46.1",
+        "@typescript-eslint/project-service": "8.46.2",
+        "@typescript-eslint/tsconfig-utils": "8.46.2",
+        "@typescript-eslint/types": "8.46.2",
+        "@typescript-eslint/visitor-keys": "8.46.2",
         "debug": "^4.3.4",
         "fast-glob": "^3.3.2",
         "is-glob": "^4.0.3",
@@ -2083,15 +2063,15 @@
       }
     },
     "node_modules/@mojaloop/central-services-metrics/node_modules/@typescript-eslint/utils": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/utils/-/utils-8.46.1.tgz",
-      "integrity": "sha512-vkYUy6LdZS7q1v/Gxb2Zs7zziuXN0wxqsetJdeZdRe/f5dwJFglmuvZBfTUivCtjH725C1jWCDfpadadD95EDQ==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/utils/-/utils-8.46.2.tgz",
+      "integrity": "sha512-sExxzucx0Tud5tE0XqR0lT0psBQvEpnpiul9XbGUB1QwpWJJAps1O/Z7hJxLGiZLBKMCutjTzDgmd1muEhBnVg==",
       "license": "MIT",
       "dependencies": {
         "@eslint-community/eslint-utils": "^4.7.0",
-        "@typescript-eslint/scope-manager": "8.46.1",
-        "@typescript-eslint/types": "8.46.1",
-        "@typescript-eslint/typescript-estree": "8.46.1"
+        "@typescript-eslint/scope-manager": "8.46.2",
+        "@typescript-eslint/types": "8.46.2",
+        "@typescript-eslint/typescript-estree": "8.46.2"
       },
       "engines": {
         "node": "^18.18.0 || ^20.9.0 || >=21.1.0"
@@ -2106,12 +2086,12 @@
       }
     },
     "node_modules/@mojaloop/central-services-metrics/node_modules/@typescript-eslint/visitor-keys": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/visitor-keys/-/visitor-keys-8.46.1.tgz",
-      "integrity": "sha512-ptkmIf2iDkNUjdeu2bQqhFPV1m6qTnFFjg7PPDjxKWaMaP0Z6I9l30Jr3g5QqbZGdw8YdYvLp+XnqnWWZOg/NA==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/visitor-keys/-/visitor-keys-8.46.2.tgz",
+      "integrity": "sha512-tUFMXI4gxzzMXt4xpGJEsBsTox0XbNQ1y94EwlD/CuZwFcQP79xfQqMhau9HsRc/J0cAPA/HZt1dZPtGn9V/7w==",
       "license": "MIT",
       "dependencies": {
-        "@typescript-eslint/types": "8.46.1",
+        "@typescript-eslint/types": "8.46.2",
         "eslint-visitor-keys": "^4.2.1"
       },
       "engines": {
@@ -2933,12 +2913,12 @@
       "license": "MIT"
     },
     "node_modules/@types/node": {
-      "version": "24.8.1",
-      "resolved": "https://registry.npmjs.org/@types/node/-/node-24.8.1.tgz",
-      "integrity": "sha512-alv65KGRadQVfVcG69MuB4IzdYVpRwMG/mq8KWOaoOdyY617P5ivaDiMCGOFDWD2sAn5Q0mR3mRtUOgm99hL9Q==",
+      "version": "24.9.1",
+      "resolved": "https://registry.npmjs.org/@types/node/-/node-24.9.1.tgz",
+      "integrity": "sha512-QoiaXANRkSXK6p0Duvt56W208du4P9Uye9hWLWgGMDTEoKPhuenzNcC4vGUmrNkiOKTlIrBoyNQYNpSwfEZXSg==",
       "license": "MIT",
       "dependencies": {
-        "undici-types": "~7.14.0"
+        "undici-types": "~7.16.0"
       }
     },
     "node_modules/@types/normalize-package-data": {
@@ -3144,13 +3124,13 @@
       }
     },
     "node_modules/@typescript-eslint/project-service": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/project-service/-/project-service-8.46.1.tgz",
-      "integrity": "sha512-FOIaFVMHzRskXr5J4Jp8lFVV0gz5ngv3RHmn+E4HYxSJ3DgDzU7fVI1/M7Ijh1zf6S7HIoaIOtln1H5y8V+9Zg==",
+      "version": "8.46.2",
+      "resolved": "https://registry.npmjs.org/@typescript-eslint/project-service/-/project-service-8.46.2.tgz",
+      "integrity": "sha512-PULOLZ9iqwI7hXcmL4fVfIsBi6AN9YxRc0frbvmg8f+4hQAjQ5GYNKK0DIArNo+rOKmR/iBYwkpBmnIwin4wBg==",
       "license": "MIT",
       "dependencies": {
-        "@typescript-eslint/tsconfig-utils": "^8.46.1",
-        "@typescript-eslint/types": "^8.46.1",
+        "@typescript-eslint/tsconfig-utils": "^8.46.2",
+        "@typescript-eslint/types": "^8.46.2",
         "debug": "^4.3.4"
       },
       "engines": {
@@ -3165,9 +3145,9 @@
       }
     },
     "node_modules/@typescript-eslint/project-service/node_modules/@typescript-eslint/types": {
-      "version": "8.46.1",
-      "resolved": "https://registry.npmjs.org/@typescript-eslint/types/-/types-8.46.1.tgz",
-      "integrity": "sha512-C+soprGBHwWBdkDpbaRC4paGBrkIXxVlNohadL5o0kfhsXqOC6GYH2S/Obmig+I0HTDl8wMaRySwrfrXVP8/pQ==",
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@@ -16458,16 +16274,6 @@
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@@ -16768,16 +16574,6 @@
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diff --git a/package.json b/package.json
index 4d37923..f2f577d 100644
--- a/package.json
+++ b/package.json
@@ -14,7 +14,7 @@
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@@ -67,7 +67,7 @@
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     "@types/uuid": "^11.0.0",
@@ -97,6 +97,11 @@
     "tsconfig-paths": "^4.2.0"
   },
   "overrides": {
+    "cross-spawn": "7.0.6",
+    "form-data": "4.0.4",
+    "brace-expansion": "2.0.2",
+    "undici": "6.22.0",
+    "yargs-parser": "21.1.1",
     "@mojaloop/ml-schema-transformer-lib": {
       "@mojaloop/central-services-shared": {
         "shins": {
@@ -108,11 +113,9 @@
         },
         "widdershins": {
           "swagger2openapi": "7.0.8",
-          "yargs-parser": "13.1.2",
           "markdown-it": "12.3.2"
         }
       }
-    },
-    "form-data": "4.0.4"
+    }
   }
 }