docs(P00): create phase plans

---ci---
project: oy
phase: 0
milestone: v0.1
status: plan
---/ci---

Phase 1 split into 3 waves (8 components, vertical slices).
Phase 2: 5 components + bond primitive.
Phase 3: 4 components (cross-chain, SAT/QR, Hub API, bond market).
Phase 4: maturity expansion.
Each wave is a vertical slice with demoable end state.

.ciagent/oy/PLANS.md

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+# Phase Plans: OpenYield (oy)
+
+## Phase 1 — Foundation (8 components)
+
+### Wave 1: Core Spine (must ship first)
+- **Plan 1.1**: OY Chain & Mirror (Component 1)
+  - REQs: REQ-004 (9 Watchers, 6-of-9 quorum), REQ-008 (OY Chain)
+  - Deliverable: Cosmos app-chain launched, 9 Watchers bonded, Mirror live
+  - Owner: backend-engineer
+
+- **Plan 1.2**: Bread Unit & Root Basket (Component 3)
+  - REQs: REQ-003 (Bloom from real yield), REQ-013 (Bread unit), REQ-009 (Satellites)
+  - Deliverable: Forge/Fold on Ethereum + Polygon/Base/Arbitrum; initial Root Basket
+  - Owner: backend-engineer
+
+- **Plan 1.3**: Storage Substrate (Component 5)
+  - REQs: REQ-014 (3 pools), REQ-015 (Window data source)
+  - Deliverable: Stash, Vault, Root-Pool contracts
+  - Owner: data-engineer
+
+### Wave 2: Foundation Layer (depends on Wave 1)
+- **Plan 1.4**: Bloom Engine (Component 4)
+  - REQs: REQ-003 (Bloom from real yield)
+  - Deliverable: Bloom accrual loop tied to Mirror attestations
+  - Owner: backend-engineer
+
+- **Plan 1.5**: Fee Covenant (Component 13)
+  - REQs: REQ-002 (fee ceiling/floor)
+  - Deliverable: 0.1% ceiling live, processor share 50%, 1-Grain internal minimum
+  - Owner: backend-engineer
+
+- **Plan 1.6**: Identity, Standing & Citizenship (Component 6)
+  - REQs: REQ-005 (Four Freeholder signals), REQ-006 (Standing formula)
+  - Deliverable: Reach v1, Standing v1, Nomad/Freeholder system
+  - Owner: backend-engineer + data-engineer
+
+### Wave 3: User-Facing (depends on Wave 2)
+- **Plan 1.7**: Bearers & Processing Mesh (Component 12)
+  - REQs: REQ-007 (FCFS), REQ-019 (6 bearers)
+  - Deliverable: Processing v1, OY-BLE, OY-WiFi-Direct
+  - Owner: backend-engineer + frontend-engineer
+
+- **Plan 1.8**: Mesh Experience (Component 9)
+  - REQs: REQ-010 (Exit layer), Maya's Day integration spec
+  - Deliverable: Maps, Pay v1
+  - Owner: frontend-engineer
+
+## Phase 2 — The Mesh (5 components + bond primitive)
+
+### Wave 1
+- **Plan 2.1**: Organizational Primitives (Component 10) — 9 Stand types, Guilds
+  - REQs: REQ-016, REQ-017
+  - Owner: backend-engineer
+
+- **Plan 2.2**: Partner Spectrum & Forex (Component 11) — First Piers, Forex Engine v1
+  - REQs: REQ-018
+  - Owner: backend-engineer
+
+### Wave 2
+- **Plan 2.3**: Window Primitive (Component 7)
+  - REQs: REQ-015
+  - Owner: backend-engineer + data-engineer
+
+- **Plan 2.4**: Pacts Suite (Component 8) — Pause, Ground, Stance, Cover, Stand Registry
+  - REQs: REQ-020
+  - Owner: backend-engineer
+
+- **Plan 2.5**: Governance (Component 14) — Mesh Council activated
+  - REQs: REQ-011
+  - Owner: backend-engineer
+
+### Wave 3
+- **Plan 2.6**: Bearers expansion — OY-LR + Beacon v1
+- **Plan 2.7**: First Mesh Bonds — OY Bond primitive on-chain
+  - REQs: REQ-021
+
+## Phase 3 — The Bearers (4 components)
+
+- **Plan 3.1**: Cross-Chain & Exit (Component 2)
+- **Plan 3.2**: Bearers expansion — OY-SAT, OY-QR
+- **Plan 3.3**: Hub API
+- **Plan 3.4**: Full bond market + Growth Bonds
+
+## Phase 4 — Maturity
+
+- Cross-chain expansion, Confederation support
+- Yield Token, Travel + 11 service categories
+
+## Vertical Slice Integrity
+
+Each Wave is a vertical slice:
+- Wave 1: chain + token + storage (can hold Bread)
+- Wave 2: identity + fees + Bloom (Bread earns yield, fees enforced)
+- Wave 3: bearers + UI (Holders can transact)
+
+A demo after Phase 1: Holder can create Stash, receive Bread, watch Bloom accrue, see Mirror ratio.