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docs(P03): complete freeholders docs + reference phase — REQ-027 complete

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P3 complete. 8 docs/freeholders/ pages (signals, standing, stands-guilds,
councils-voice, bonds, partner-spectrum, anchor-preview, index) + 2
docs/reference/ pages (architecture, components). Docs firewall green
across all 26 docs pages. Full docs deliverable (README + mkdocs.yml +
26-page site) complete — REQ-027 complete.

---ci---
project: oy
phase: 3
milestone: v0.3
status: complete
tag_base: v0.2.x
phase_role: execution
requirements:
  covered: [REQ-027]
  partial: []
---/ci---
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# Freeholders
A **Freeholder** is a Holder who has earned all four Freeholder signals (REQ-005):
a 90-day [Stash](../nomads/stash.md), a [Standing](standing.md) threshold of
4.5★ or higher in 3 categories, the Capital signal, and the Vouch signal. A
Freeholder is the active participant in the OpenYield mesh — they sit in
[Stands & Guilds](stands-guilds.md), vote in the three
[Councils & Voice](councils-voice.md), issue [Bonds](bonds.md), and relate to
the four-tier [Partner Spectrum](partner-spectrum.md).
## The four signals
The signals are the gate to Freeholder participation. They are deliberately
heterogeneous — no single input can be pumped — so the path resists gaming:
- [Signals](signals.md) — the four Freeholder signals (REQ-005): 90-day Stash,
4.5★+ in 3 categories, Capital, Vouch.
- [Standing](standing.md) — the Bayesian anti-gaming formula (REQ-006):
Bayesian prior + time-decay + diversity + voucher-weighting − slashes.
- [Stands & Guilds](stands-guilds.md) — the nine Stand types (REQ-016) and
Guilds with free Hand-Passes (REQ-017).
- [Councils & Voice](councils-voice.md) — the three Councils and the
non-amendable Mission Lock (REQ-011).
- [Bonds](bonds.md) — the Mesh Bond Market, the 8% coupon cap / 0% floor
(REQ-021).
- [Partner Spectrum](partner-spectrum.md) — the four Partner tiers (REQ-018):
Op, Master Op, Pier, Anchor.
- [Anchor Preview](anchor-preview.md) — the first institutional Partner tier
(REQ-023), coming in v0.3 P4.
## What a Freeholder does
A Freeholder is a Holder who has crossed the signal gate. From there the mesh
opens: a Freeholder joins a [Stand](stands-guilds.md) (or forms a Guild), votes
in the [Councils](councils-voice.md) with multi-source Voice, issues or holds
[Bonds](bonds.md) under the mission-locked coupon cap, and engages the
[Partner Spectrum](partner-spectrum.md) — including the Anchor tier coming in
v0.3. The covenant is the same for every audience; the Freeholder pages
describe how it shows up in governance and capital.