diff --git a/boot/modules/acquiring/src/main/java/com/klaro/acquirecore/acquiring/repository/TxRepositoryStub.java b/boot/modules/acquiring/src/main/java/com/klaro/acquirecore/acquiring/repository/TxRepositoryStub.java
new file mode 100644
index 0000000..23be129
--- /dev/null
+++ b/boot/modules/acquiring/src/main/java/com/klaro/acquirecore/acquiring/repository/TxRepositoryStub.java
@@ -0,0 +1,28 @@
+package com.klaro.acquirecore.acquiring.repository;
+
+import com.klaro.acquirecore.acquiring.dto.TxRequest;
+import org.springframework.stereotype.Repository;
+
+import java.util.Map;
+import java.util.concurrent.ConcurrentHashMap;
+
+/**
+ * 거래 DB 접근 스텁 구현 (인메모리)
+ */
+@Repository
+public class TxRepositoryStub implements TxRepository {
+
+    private final Map<String, TxRequest> store = new ConcurrentHashMap<>();
+
+    @Override
+    public void save(TxRequest request) {
+        if (request != null && request.getTraceNo() != null) {
+            store.put(request.getTraceNo(), request);
+        }
+    }
+
+    @Override
+    public TxRequest findByTraceNo(String traceNo) {
+        return store.get(traceNo);
+    }
+}