The user wants me to rewrite a headline about why records are better than mutable classes for .NET development, specifically for DTOs.

Short summary

The article argues that mutable C# classes are the wrong data structure for DTOs and that records (introduced in C# 9) should be used instead. It demonstrates four concrete failure modes—silent mutation, reconciliation discrepancies, race conditions, and audit trail corruption—using banking and fintech examples. The core insight is that DTOs are snapshots of data at a point in time, so modeling them with a type whose defining feature is mutability is a production risk.

• •DTOs are immutable snapshots; mutable classes violate that semantic contract
• •Silent mutations in async pipelines cause real financial discrepancies during reconciliation
• •C# records enforce immutability at the compiler level, preventing entire classes of bugs

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