test(cover): P2 verify — GREEN (vet+race+coverage+lexicon+G-003+G-028)

---ci---
project: oy
phase: 2
milestone: v0.7
status: verify
---/ci---

.ciagent/CHECKPOINT.json

@@ -1,8 +1,19 @@
 {
-  "phase": 2,
-  "stage": "execute",
-  "milestone": "v0.1",
-  "phase_role": "execution",
+  "milestone": "v0.7",
+  "milestone_complete": false,
+  "milestone_release_tag": null,
+  "release_id": 776,
+  "project": "oy",
+  "phase": 0,
+  "phase_role": "pre_execution",
+  "stage": "grill",
   "attempts": 0,
-  "updated_at": "2026-08-17T00:00:00Z"
+  "updated_at": "2026-08-19T00:04:00Z",
+  "next_milestone": null,
+  "previous_milestone": {
+    "milestone": "v0.6",
+    "milestone_complete": true,
+    "milestone_release_tag": "v0.5.6",
+    "release_id": 776
+  }
 }

.ciagent/config.json

@@ -6,6 +6,9 @@
     }
   ],
   "active_project": "oy",
+  "milestone": "v0.6",
+  "milestone_type": "feature",
+  "tag_base": "v0.5.x",
   "autonomy": {
     "level": "full",
     "escalation_hooks": ["deploy", "delete_data", "merge_to_main"],
@@ -17,6 +20,31 @@
     "forge": "gitea",
     "base_url": "git.cloudinit.dev",
     "owner": "oy",
-    "repo": "openyield"
+    "repo": "openyield",
+    "remote": "origin",
+    "bootstrapped": true
+  },
+  "secrets": {
+    "scopes": {
+      "gitea": ["GITEA_TOKEN"]
+    },
+    "env_file": ".ciagent/.env.secrets"
+  },
+  "ship": {
+    "per_phase": true,
+    "allow_skip": false,
+    "release_blocking": false,
+    "max_release_retries": 3
+  },
+  "personas": {
+    "enabled": true,
+    "territory_enforcement": "warn"
+  },
+  "sessions": {
+    "session_isolation": "branch"
+  },
+  "parallelization": {
+    "enabled": false,
+    "max_concurrent_agents": 1
   }
 }

.ciagent/oy/ARCHITECTURE.md

@@ -1,3 +1,4 @@
+<!-- Auto-generated from .ciagent/oy/oy-spec — PO edits oy-spec, not this file; see oy-state for current shipped state. -->
 # Architecture: OpenYield (oy) — Phase 0 Index
 
 ## Source
@@ -57,4 +58,555 @@ Fee Covenant (13) blocks {Pacts (8), Orgs (10), Partners (11), Bearers (12)}
 ## Phase 0 Architecture Deliverables
 - This index file
 - Persona assessment (created during RESEARCH stage)
-- Phase plans (created during PLAN stage)
+- Phase plans (created during PLAN stage)
+
+---
+
+## v0.3 Architecture (Bearers & Documentation)
+
+This section appends the v0.3 component map to the v0.1/v0.2 index above. It does
+NOT rewrite or supersede the earlier content; the Phase 1/2/3 columns in the
+component index above describe the *full* runtime target, while the v0.3 columns
+below describe the *v0.3 skeleton+tests* deliverable (D-020 pattern continued,
+D-035) plus the documentation deliverable (D-042).
+
+### v0.3 Component Index (new + extended modules)
+
+| # | Component | Vision § | v0.3 Module | New/Ext | Phase | v0.3 Skeleton Depth |
+|---|---|---|---|---|---|---|
+| 2 | Cross-Chain & Exit (Layer 3) — DEX swaps | §7 | `x/exit` | New | P4 | ExitRoute + DEXSwap types, ExitStatus enum |
+| 2 | Cross-Chain & Exit (Layer 3) — L2↔L1 bridges | §7 | `x/bridge` | New | P4 | BridgeRoute + BridgeStatus enum; references x/satellite L2Chain by ID (G-003) |
+| 12 | Bearers expansion (OY-SAT + OY-QR) | §14 | `x/bearers` | Extended | P4 | OYSATLink + OYQRCode transport types (BearerTransport impls); BearerType enum already complete from v0.2 |
+| 11 | Anchors (institutional Partner tier) | §13 | `x/partner` | Extended | P4 | AnchorCredential struct fields on the Anchor tier (REQ-018 enum unchanged); ListByTier(Anchor) round-trip |
+| 8 | Hub API (Pact #6 expanded) | §13, §16 | `x/hub` | New | P5 | HubService enum (Custody/LendingPrimitive/Compliance) + per-service struct stubs + keeper stub |
+| — | Services (Care/SIM/Vault/Mail) | §13 | `x/services` | New | P5 | ServiceKind enum (4) + per-service struct stubs + keeper stub |
+| 8 | Bond market depth (Growth Bonds + secondary) | §17 | `x/bond` | Extended | P5 | GrowthBond struct + SecondaryOrder types; 8%/0% consts (D-028) unchanged; Clamp reused |
+
+> The Hub API is Pact #6 (Hub-API) per REQ-020/D-027. v0.2 stubbed it as a PactType
+> enum value inside `x/pact`; v0.3 promotes it to its own `x/hub` module for the
+> B2B type scaffold (D-039). The `x/pact` HubAPI enum value stays as a
+> cross-reference; `x/hub` owns the service-shape types.
+
+### v0.3 Cross-Component Dependencies (within v0.3)
+
+Per the v0.2 G-003 invariant (by-ID-string inter-module references; no struct
+imports across `x/<module>/types`), v0.3 components reference each other and the
+v0.2 baseline by ID string only. The dependency edges that affect v0.3 phase
+ordering:
+
+```
+x/bridge  ──(L2Chain by id)──►  x/satellite   (v0.2 baseline; ref only, no struct import)
+x/exit    ──(BridgeRoute by id)──►  x/bridge  (P4: exit references bridge routes)
+x/hub     ──(Anchor by id)──►  x/partner    (P5: Hub custody/compliance references Anchor partners)
+x/bond    ──(Stand by id)──►  x/stand      (v0.2 baseline; GrowthBond issuer-stand-id, unchanged)
+x/services ──(Window by id)──►  x/window    (v0.2 baseline; service-grant references a Window)
+x/bearers ──(BearerTransport)──► (none; OY-SAT/OY-QR are transport stubs, no new deps)
+```
+
+**Phase-ordering implication (informs D-044):** `x/exit` references `x/bridge`
+routes, so both must land in the same phase (P4) and `x/bridge` types must exist
+before `x/exit` tests that reference a BridgeRoute. `x/hub` references Anchor
+partner-ids, so `x/partner` Anchor extension (P4) must precede `x/hub` (P5). This
+confirms the D-044 P4→P5 split: P4 = exit/bridge/bearers/partner-Anchor,
+P5 = hub/services/bond. Reversing P4/P5 would force `x/hub` to reference an Anchor
+tier that does not yet exist.
+
+### v0.3 Interface Contracts (6 cross-component — unchanged from v0.2)
+
+The six cross-component interfaces (Standing API, Forge/Fold, Watcher Attestation,
+Window Lifecycle, Fee Covenant, Voice/Council) are NOT extended in v0.3 — v0.3
+adds *type scaffolds* that will *consume* them at runtime in v0.4+:
+
+- **Window Lifecycle Interface** — `x/services` service-grants reference a Window
+  by ID (the service opens a Window on the holder's behalf). Skeleton only.
+- **Fee Covenant Interface** — `x/bridge`/`x/exit` exit routes carry an
+  `exit-fee-bps` field clamped by the Fee Covenant ceiling/floor (the field is
+  typed in v0.3; the Clamp is NOT invoked in the skeleton — deferred to v0.4
+  runtime to avoid cross-module calls in the skeleton layer).
+- **Standing API** — `x/hub` compliance service stub references a partner's
+  Standing by reach-id (skeleton: by-ID-string field, no query).
+- **Watcher Attestation** — `x/bridge` BridgeStatus has an `Attested` state; the
+  attestation itself is not modeled in v0.3 (Watchers are v0.1 baseline; the
+  bridge references a Watcher quorum by ID at runtime, deferred to v0.4).
+
+### Documentation Architecture (v0.3 deliverable B)
+
+v0.3 introduces a documentation deliverable alongside the Bearers skeleton. This
+is a NEW architecture surface (no docs site existed in v0.1/v0.2).
+
+**Layout:**
+```
+oy/
+├── README.md                      # repo-root project overview (lexicon-clean)
+├── mkdocs.yml                     # MkDocs Material config (site_name, nav, theme)
+└── docs/
+    ├── nomads/                    # audience: nomads (Reach path, Stash, bearers, Maps/Pay, Pacts, standing basics)
+    ├── freeholders/               # audience: freeholders (4 signals, Bayesian Standing, Stands/Guilds, Councils/Voice, Bonds, Partner spectrum)
+    ├── shared/                    # cross-audience (Six Principles, Bread Scale, Storage pools, Watchers/Mirror, Lexicon glossary, Vision overview)
+    └── reference/                 # architecture index + component map
+```
+
+**mkdocs.yml (minimal config):** `site_name: OpenYield`, `theme: readthedocs` or
+`theme: material` (D-042 chose Material), `nav:` with the four audience
+sections, `markdown_extensions: [admonition, toc, pymdownx.superfences]`. Build-
+only Python dep (`mkdocs` + `mkdocs-material`); `go.mod` stays zero-dep (G-006 —
+the docs toolchain is NOT a Go dependency). No publishing CI in v0.3 (D-046);
+README documents `mkdocs serve` / `mkdocs build`.
+
+**Audience-organized nav (D-042, D-045):** nomads 5-8 pages, freeholders 5-8
+pages, shared 5-6 pages, reference 2 pages (~20-25 total). Pages map to REQs:
+nomads cover REQ-007/013/014/015/019/020; freeholders cover REQ-005/006/016/017/
+011/021/018; shared covers REQ-001/003/004/012; reference covers the architecture
+index.
+
+**Lexicon-clean by construction (REQ-012 extension, D-043):** docs are user-
+facing and must be lexicon-clean. The highest-risk banned term in docs is
+"yield" (PROJECT.md uses "real yield" but docs must say "real production" / "real
+return" — the word-boundary regex in `lexicon.FindBannedTerm` bans standalone
+"yield" while allowing "OpenYield"). Other high-risk terms in docs: "account"
+(use "Holder"/"Reach"), "bank"/"deposit"/"savings" (use "Stash"/"Vault"/
+"Root-Pool"). The firewall lands in P1 BEFORE content (P2/P3) so docs are checked
+as authored (D-044 firewall-first ordering).
+
+**Firewall extension (D-043):** a NEW sibling test `lexicon_meta_docs_test.go`
+(package `lexicon_meta_docs`) mirrors `lexicon_meta_test.go` (package
+`lexicon_meta`) exactly — same `lexicon.FindBannedTerm`, same word-boundary
+regex, same fragment-assembled self-test table, same self-exclusion of the meta-
+test file — but scans `README.md` + `docs/**/*.md` instead of `x/**/*.go`. The
+existing `lexicon_meta_test.go` is NOT modified (preserves v0.2 coverage). The
+new meta-test walks the repo root for `README.md` + the `docs/` tree, excludes
+`.ciagent/` and `.git/` (firewall meta-files are not user-facing docs), and
+excludes itself. Per-package lexicon assertions in the new `x/*` modules follow
+the v0.2 pattern (`TestLexiconNoBannedTermsIn<Module>Package` scanning the
+module's production `.go` files).
+
+> The `.ciagent/` directory holds firewall META-files (PROJECT.md, RESEARCH.md,
+> this file) that discuss the banned terms by name for governance reasons — they
+> are NOT user-facing docs and are explicitly excluded from the docs firewall
+> scan. This mirrors how `lexicon_meta_test.go` excludes itself: the firewall's
+> own code is allowed to name the terms it bans.
+
+## v0.4 Architecture (Refinement — NFR)
+
+v0.4 is a refinement-only NFR milestone (D-047): zero `feat:` phases, zero new
+production types, zero behavioral changes. It lands durability fixes sourced
+from v0.3 forward-references. Tags run on the `v0.3.x` patch line.
+
+### v0.4 Research Findings
+
+**R-029 — Lexicon firewall shared helper (REQ-029, GRILL G-014).**
+
+Verified during v0.4 RESEARCH: `lexicon_meta_test.go` (`TestLexiconMetaSelfTestTable`, lines 83-118) and `lexicon_meta_docs/lexicon_meta_docs_test.go` (`TestLexiconMetaDocsSelfTestTable`, lines 147-182) contain byte-identical duplicate synthetic self-test tables — both build the same 10-string slice by indexing `lexicon.BannedTerms()`. This is exactly the G-014 drift risk: if a future banned-term addition updates one table and not the other, the docs firewall silently loses coverage. The fix is a new `lexicon.SyntheticBannedStrings() []string` helper in `lexicon/lexicon.go` that returns the 10 synthetic strings; both meta-tests consume it instead of building their own copy. The helper's source uses `lexicon.BannedTerms()` (already fragment-assembled) so the lexicon package's own source stays lexicon-clean. Both meta-tests already assert `len(terms) == 10` from `lexicon.BannedTerms()` (the G-014 minimum); the helper closes the drift fully. No behavioral change to detection (`FindBannedTerm` unchanged); refactor + test only.
+
+**R-030 — Cross-package const-equality test (REQ-030, REVIEW P2 / A-304).**
+
+Verified during v0.4 RESEARCH: `x/hub/types/types.go:51,56` defines LOCAL consts `LendingCouponCapBps = uint32(800)` and `LendingCouponFloorBps = uint32(0)`, cross-documented (comment lines 46-55) to `x/bond/types/types.go:21,26` consts `CouponCapBps = 800` and `CouponFloorBps = 0` (D-028 mission-locked). The cross-doc comment flags drift for human review but no automated check exists. The fix is a new test file `x/hub/types/cross_const_test.go` (package `types`) that imports `github.com/oy/openyield/x/bond/types` (test-only, G-003 exempt per the test-import exemption documented in v0.2 GRILL G-003) and asserts `hub.LendingCouponCapBps == bond.CouponCapBps` and `hub.LendingCouponFloorBps == bond.CouponFloorBps`. The test fails closed if either const drifts. No production import is added (G-003 production firewall intact); test-only import only.
+
+**R-031 — Lifecycle type shape-divergence review (REQ-031, AUDIT §193).**
+
+Verified during v0.4 RESEARCH: AUDIT §193 flags two P1 council divergences and one P2 bearers nit:
+- **P1-1**: `x/council/types` lacks `Proposal`/`ProposalStatus`/`VoteOption` enums (AUDIT says add "in v0.3 when wiring the council keeper to a live governance runtime"). Adding these is a `feat:`-class addition (new enum types) → REJECTED by D-001 filter for v0.4. Deferred to v0.5+ governance runtime.
+- **P1-2**: `SignalKind` has 4 sources (Stash/Standing/Vouch/Capital) vs spec's `VoiceSource` 5 sources (Stash/Standing/Vouch/Freeholder/Guild). AUDIT code rationale: Freeholder is an eligibility property (upstream in `x/standing`), Guild is a council tier, Capital is committed-capital (vision §9.1) — defensible refinement. Changing `SignalKindCount` 4→5 is a locked-const change → REJECTED by D-001 filter for v0.4.
+- **P2**: `x/bearers/types` `ValidateGenesis` no-op is CORRECT per spec (AUDIT explicitly notes "no action").
+
+v0.4 REQ-031 scope (D-050): DOCUMENT the divergence decisions in this ARCHITECTURE.md section + add a regression-guard test asserting the current `SignalKindCount==4` shape is intentional (an intent-assertion test, not a shape change). No enum additions, no locked-const changes. The existing `TestSignalKindCountLockedConst` in `x/council/types/types_test.go:102` already asserts the count; REQ-031 adds an intent comment + a test documenting WHY the shape is 4-not-5 (the AUDIT rationale), so a future agent does not "fix" the divergence by silently changing the locked const.
+
+**R-032 — Docs build CI (REQ-032, D-046).**
+
+Verified during v0.4 RESEARCH: no `.github/workflows/` directory exists; Gitea Actions uses `.gitea/workflows/`. `mkdocs.yml` is present at repo root (buildable locally via `mkdocs build`). v0.4 REQ-032 ships a `.gitea/workflows/docs-build.yml` workflow that: (1) runs `go test ./...` (the lexicon firewall + all x/* tests) on push; (2) installs mkdocs + mkdocs-material (build-only Python deps in a separate job/step — does NOT touch `go.mod`, G-006 intact); (3) runs `mkdocs build` to produce `site/`; (4) uploads `site/` as a CI artifact. Full Gitea Pages publishing is DEFERRED (no hosting target configured in v0.4 per D-051). The workflow file is `chore` (CI config), not `feat:` — passes the D-001 filter. The workflow runs on every push to any branch (not just main) so the lexicon firewall + docs build are checked on every change.
+
+### v0.4 Component Map (no new modules)
+
+v0.4 touches NO new `x/*` modules. The touched files are:
+- `lexicon/lexicon.go` (add `SyntheticBannedStrings()`) — REQ-029
+- `lexicon_meta_test.go` (refactor to consume helper) — REQ-029
+- `lexicon_meta_docs/lexicon_meta_docs_test.go` (refactor to consume helper) — REQ-029
+- `x/hub/types/cross_const_test.go` (NEW test file) — REQ-030
+- `x/council/types/types_test.go` (add intent-assertion test + comment) — REQ-031
+- `.ciagent/oy/ARCHITECTURE.md` (this section) — REQ-031
+- `.gitea/workflows/docs-build.yml` (NEW CI workflow) — REQ-032
+
+### v0.4 Interface Contracts (unchanged from v0.3)
+
+v0.4 does not change any cross-component interface. The 6 cross-component interfaces (Standing, Forge/Fold, Mirror, Window, Fee Covenant, Voice/Council) are unchanged. REQ-031 documents a divergence in the Voice/Council interface surface (SignalKind shape) but does not change it.
+
+### Council Voice/Council Interface — Lifecycle Type Divergence Decisions (v0.4, REQ-031)
+
+This section documents the lifecycle type shape-divergences flagged by AUDIT.md §193 for the Council/Voice interface surface. v0.4 is a refinement-only NFR milestone (D-047): the D-001 filter REJECTS `feat:`-class enum additions and locked-const shape changes, so these divergences are DOCUMENTED here, not fixed in code. A regression-guard test (`TestSignalKindShapeIntentional` in `x/council/types/types_test.go`) locks the current shape so a future agent does not silently "fix" a divergence by changing a locked const.
+
+**Divergence P1-1 (AUDIT §193): `Proposal`/`ProposalStatus`/`VoteOption` enums absent from `x/council/types`.**
+
+- **Spec source**: P3-01-01 deliverable recommended `Proposal`, `ProposalStatus` (5 states), `VoteOption` (3 options) enums mirroring OZ Governor / `x/gov`.
+- **Implemented**: `Council`, `CouncilMember`, `Voice`, `SignalKind`, `TallyResult` — no `Proposal`/`ProposalStatus`/`VoteOption` lifecycle types.
+- **Must-have impact**: NONE. The v0.2 P3 must-haves (3 councils, Mission Lock, `TallyResult` x/gov shape, no veto) are all met without the Proposal lifecycle.
+- **Decision (v0.4, D-050)**: ADDING `Proposal`/`ProposalStatus`/`VoteOption` is a `feat:`-class addition (new enum types). REJECTED by the D-001 refinement-only filter. **Deferred to v0.5+** when the council keeper is wired to a live governance runtime (the AUDIT's own recommendation: "add in v0.3 when wiring the council keeper to a live governance runtime"). The skeleton council keeper in v0.2 does not consume a Proposal lifecycle; adding the types without the runtime would be dead code.
+- **Severity (AUDIT)**: P1 (spec drift from deliverable text, not a must-have, not blocking).
+- **v0.4 action**: DOCUMENT only (this section). No code change.
+
+**Divergence P1-2 (AUDIT §193): `SignalKind` 4 sources vs spec `VoiceSource` 5 sources.**
+
+- **Spec source**: P3-01-01 deliverable specified `VoiceSource` with 5 sources (Stash/Standing/Vouch/Freeholder/Guild).
+- **Implemented**: `SignalKind` with 4 sources: `SignalStash`, `SignalStanding`, `SignalVouch`, `SignalCapital` (`SignalKindCount = 4`, locked const).
+- **Code rationale (AUDIT §193 P1-2)**: the 4-source shape is a defensible design refinement, not a defect:
+  - `Freeholder` is an ELIGIBILITY property (upstream in `x/standing`), not a voice signal. A Freeholder-eligible Reach is a precondition for voting, not a signal that feeds a vote's weight.
+  - `Guild` is a COUNCIL TIER (one of the three councils is the Guild Council), not a voice signal. Including Guild as a signal kind would conflate the council tier with the signal source.
+  - `Capital` is committed-capital (vision §9.1, one of the four Freeholder signals), which the spec's `VoiceSource` list omitted. Adding `Capital` corrects the spec list to match vision §9.1's four-signal definition (REQ-005: "Four Freeholder signals locked").
+- **Must-have impact**: NONE. The v0.2 P3 must-haves did not enumerate `VoiceSource` coverage; the 4-signal shape matches REQ-005's "Four Freeholder signals locked" exactly.
+- **Decision (v0.4, D-050)**: changing `SignalKindCount` 4→5 (to restore the spec's 5-source `VoiceSource`) is a LOCKED-CONST CHANGE. REJECTED by the D-001 refinement-only filter (changing a locked const is a behavioral change, not a refinement). The 4-source shape is the CORRECT shape per vision §9.1 and REQ-005; the spec deliverable text was wrong, not the implementation.
+- **Severity (AUDIT)**: P1 (design-choice divergence, tested and self-consistent, not blocking).
+- **v0.4 action**: DOCUMENT the rationale here + add `TestSignalKindShapeIntentional` (regression guard) so a future agent changing `SignalKindCount` from 4 to 5 must also update the intent-assertion test, surfacing the AUDIT rationale for review. No locked-const change.
+
+**Divergence P2 (AUDIT §193): `x/bearers/types` `ValidateGenesis` no-op.**
+
+- **Spec source**: P4-02-01 said "DefaultParams/GenesisState unchanged" (bearers is an EXTENSION in v0.2, not a new module; the A-212 `ValidateGenesis` upgrade was scoped to NEW modules only).
+- **Implemented**: `ValidateGenesis` remains a no-op (`x/bearers/types/types.go:108` returns `nil` unconditionally).
+- **Decision (v0.4)**: CORRECT per spec — no action (AUDIT explicitly notes "no action"). The A-212 upgrade applies to NEW modules (v0.2's `x/window`, `x/stand`, etc.), not to EXTENDED modules like `x/bearers`. Listed here for completeness; no code change, no test change.
+
+---
+
+## v0.5 Runtime Architecture (Bearers Runtime)
+
+This section appends the v0.5 runtime architecture to the v0.1/v0.2/v0.3/v0.4
+content above. It does NOT rewrite or supersede earlier sections. v0.5 is the
+first **feature** milestone to ship executable behavior: the v0.3 Bearers
+skeletons are promoted from types + in-memory keeper stubs + invariant tests
+to **live keeper MsgServer message handlers + simtest-grade end-to-end flows**
+(D-054). This is NOT mainnet — D-020 continues to govern network deployment;
+runtime = simtest-grade handlers, not live chain. Tags run on the `v0.4.x`
+patch line (config.json `tag_base`).
+
+### v0.5 Skeleton→Runtime Promotion Pattern
+
+The promotion is uniform across all 8 target modules. The v0.3 skeleton
+baseline (verified against the current tree): each module has only a `types/`
+subdir with `types.go` (pure-Go structs + locked consts + enums),
+`genesis.go` (`ValidateGenesis`), and `*_test.go` (invariant + lexicon
+tests). The in-memory `Keeper` stub lives INSIDE `types/types.go` (e.g.,
+`x/partner/types/types.go:101 type Keeper struct{...}`, `NewKeeper()` returns
+`&Keeper{partners: make(map[string]Partner)}`). There is NO `keeper/` subdir,
+NO `msg_server.go`, NO `types.Msg*`, NO `sdk.Context`, and NO cosmos-sdk
+import anywhere in `x/` (grep for `cosmos-sdk` / `sdk.Context` /
+`cosmos/cosmos` returns zero matches — verified at v0.5 P0).
+
+v0.5 promotes each module per the Cosmos-SDK `MsgServer` convention:
+
+| Layer | v0.3 skeleton | v0.5 runtime addition |
+|---|---|---|
+| Keeper | in-memory `map[string]T` in `types/types.go` | `keeper/keeper.go` (store-backed, wraps `sdk.KVStore`); the v0.3 stub is retired or wrapped as a test helper |
+| Messages | none | `types/msg_*.go` with `Msg*` structs implementing `sdk.Msg` (`ValidateBasic`, `GetSigners`) |
+| Handlers | none | `keeper/msg_server.go` with `MsgServer` + one `*Response, error` method per `Msg*` |
+| Module wiring | none | `module.go` (`AppModule` with `RegisterServices` registering the `MsgServer`); simtest may use a lighter `ModuleManager` shim |
+| End-to-end test | invariant tests only | `simtest/` (or `keeper/msg_server_simtest_test.go`) exercising each handler against an in-memory `sdk.Context` |
+| Cross-module deps | by-ID-string only (G-003) | by-ID-string preserved at the type level; keeper-to-keeper calls via `expected_keepers.go` interface shims (ibc-go convention) |
+
+The existing `types/` locked consts, enums, and structs are NOT amended —
+the runtime layer adds behavior on top, not changes to the contract. The
+locked-const firewall (8%/0% bond cap, 6 bearers, 4 Partner tiers, Mission
+Lock non-amendable, etc.) stays green.
+
+### v0.5 Per-Module Runtime Surface
+
+| Module | REQ | Phase | Runtime surface (MsgServer handlers) | Key types added/extended |
+|---|---|---|---|---|
+| `x/exit` | REQ-033 | P1 | `MsgSubmitExitRoute`, `MsgExecuteDEXSwap`, `MsgRefundExit` driving the v0.3 `ExitStatus` lifecycle (Proposed→InProgress→Settled/Failed/Refunded) | `Msg*` types; cross-chain exit invokes `x/bridge` via `BridgeKeeper` expected-keeper shim |
+| `x/bridge` | REQ-033 | P1 | `MsgAttestBridgeRoute` (Pending→Attested via Watcher quorum), `MsgActivateBridge`, `MsgCloseBridge`, `OnRecvPacket`, `OnAcknowledgementPacket`, `OnTimeoutPacket` (ibc-go `IBCModule` contract) | `Msg*` types; ICS-20 v1 payload parser; Solana via wormhole-adapter verification branch (D-059) |
+| `x/bearers` | REQ-034 | P2 | `MsgSendOYSATFrame`, `MsgReceiveOYSATFrame`, `MsgIssueOYQR`, `MsgConsumeOYQR` (one-shot) + session lifecycle (Open/Active/Closed/Revoked) | `Session` struct; store-backed `BearerTransport` impl (keeper as transport in simtest); `consumed` flag is the OY-QR replay firewall |
+| `x/partner` | REQ-035 | P3 | `MsgIssueAnchorCredential`, `MsgOnboardAnchor` (Pending→Onboarded), `MsgSuspendAnchorCredential`, `MsgRevokeAnchorCredential` (Watcher-quorum authz) | `Msg*` types; `expected_keepers.go` shims for `x/watcher` (revocation authz) and `x/hub` (custody-provider-id validity, P4-wired) |
+| `x/hub` | REQ-036 | P4 | `MsgRegisterCustodyService` (operator must be Onboarded Anchor), `MsgCustodyReceiveAsset`, `MsgCustodyReleaseAsset` (compliance-before-debit), `MsgRecordLendingPrimitive` (coupon clamp [0,800]), `MsgRecordComplianceAttestation` | `CustodyKeyring` interface + `memKeyring` in-memory test impl (D-058); `Msg*` names avoid banned "deposit" (lexicon) |
+| `x/services` | REQ-037 | P5 | `MsgRegisterService` (window-grant check), `MsgActivateService`, `MsgSuspendService`, `MsgRevokeService`; per-kind: `MsgIssueCareGrant`, `MsgActivateSIM`, `MsgProvisionVault`, `MsgBindMailbox` | Per-kind `Msg*` (typed dispatch, not generic); `window-id` grant checked on EVERY op (revoked Window invalidates) |
+| `x/bond` | REQ-038 | P6 | `MsgIssueBond`, `MsgIssueGrowthBond` (`Clamp` + `ClampGrowth`), `MsgTickGrowthBond`, `MsgPlaceSecondaryOrder`, `MsgCancelSecondaryOrder`, `MsgMatchSecondaryOrder` (CLOB, price-time priority, per-match clamp) | CLOB matching engine; per-match coupon clamp to [0, 800] bps via v0.3 `Clamp` (D-057/D-028); match above 800 REJECTED (fails closed, A-562) |
+| `x/council` | REQ-039 | P7 | `MsgSubmitProposal` (MissionLockAmendment kind rejected at `ValidateBasic`), `MsgVote` (Veto is Watcher-only, quorum-based), `MsgTallyProposal` | `Proposal` struct + `ProposalKind` enum (4, incl. rejected MissionLockAmendment) + `ProposalStatus` enum (5) + `VoteOption` enum (4) — AUDIT §193 P1-1 promotion; `SignalKind` stays 4 (P1-2 defensible); Mission Lock const firewall intact |
+
+### v0.5 Custody Keyring Interface Boundary (D-058)
+
+`x/hub/types/keyring.go` defines the `CustodyKeyring` Go interface — the
+custody key-share abstraction (MPC-via-interface, not a concrete HSM/MPC
+vendor):
+
+```
+type CustodyKeyring interface {
+    Sign(ctx context.Context, assetID string, payload []byte) (sig []byte, err error)
+    Derive(ctx context.Context, assetID string) (pub PubKey, err error)
+    Status(ctx context.Context, assetID string) (KeyringStatus, error)
+}
+```
+
+- v0.5 ships an in-memory test-only `memKeyring` impl (`x/hub/keeper/
+  keyring_mem.go` or `x/hub/types/keyring_mem_test.go`) that signs with a
+  throwaway ed25519 key. Real MPC/HSM backing is deferred (operational,
+  Year 3+).
+- The interface supports key rotation: `Status` reports the active key
+  version; the handler consults the keyring per operation (no caching
+  across blocks — a cached pubkey breaks rotation).
+- The boundary keeps v0.5 dep-neutral w.r.t. custody vendors while landing
+  the handler surface. GRILL reviews the interface boundary.
+
+### v0.5 CLOB Matching Engine Invariants (D-057)
+
+`x/bond` secondary-market matching is a **central-limit order book (CLOB)**
+(not an AMM — D-057 rejects AMM as a Year-4 concern). The invariants:
+
+1. **Price-time priority** — at the same price, the earlier resting order
+   fills first (by sequence). This is REQ-007 FCFS at the same price.
+2. **Per-tx matching** — the handler matches a new order against the resting
+   book in the same tx (dYdX-v4-shaped); no asynchronous / end-of-block
+   batch matching in v0.5 simtest.
+3. **Per-match coupon clamp** — every match's resulting coupon is clamped to
+   `[CouponFloorBps=0, CouponCapBps=800]` (D-028, locked since v0.2) via the
+   v0.3 `Clamp` helper. A match whose implied coupon exceeds 800 bps is
+   **REJECTED** (fails closed — A-562, the mission-lock-true choice; D-057
+   says "clamp", the runtime interpretation is reject-above-cap. Planner
+   confirms before P6).
+4. **Mission-lock const firewall** — the handler references the consts
+   directly (not a local copy); the REQ-030 cross-const test (hub lending
+   consts == bond consts) stays green.
+5. **No front-running safety claim** — per-tx matching in a single-
+   validator simtest has no MEV; the handler is documented as NOT
+   front-running-safe for mainnet (a Year-3+ concern). Simtest does not
+   assert front-running safety (out of scope for simtest-grade runtime,
+   D-054).
+
+### v0.5 IBC Packet Handler Scope (D-059)
+
+`x/bridge` IBC packet handlers cover the **5 locked L2 chains** already in
+the v0.2 `x/satellite` skeleton (Polygon, Base, Arbitrum, Optimism, Solana
+per REQ-009). No new L2 chains in v0.5. The handler shape:
+
+- **4 EVM chains (Polygon/Base/Arbitrum/Optimism):** standard IBC
+  recv/ack/timeout on the ICS-20 v1 payload (the v0.2 satellite packet
+  shape). Timestamp-only timeouts (IBC Eureka model, ibc-go v10) avoid the
+  EVM height-timeout ambiguity.
+- **Solana:** via the wormhole-style bridge adapter (D-021 stub promoted
+  to runtime). Solana packets arrive as wormhole VAAs (Verified Action
+  Approvals); the `x/bridge` handler verifies the guardian signature set
+  (a 2-of-N quorum, N = the wormhole guardian set) before transitioning the
+  route. The guardian set is read from state (not hardcoded); simtest uses
+  a frozen stub guardian set. Live wormhole integration deferred (D-054).
+- **Replay protection:** mirrors ibc-go — delete the in-flight record on
+  first ack; reject on second; `OnTimeoutPacket` refunds the source-chain
+  escrow exactly once. Simtest covers both replay and timeout-refund cases
+  (the CVE-class ibc-go pitfall).
+
+### v0.5 Council Governance Enum Additions (D-060)
+
+`x/council/types` gains the AUDIT §193 P1-1 enums deferred from v0.4
+(D-050/D-001 rejected them as `feat:` for the NFR milestone; v0.5 promotes
+them as the feature milestone's P7):
+
+| New type | Values | Locked count | Notes |
+|---|---|---|---|
+| `Proposal` struct | (id, council-id, kind, proposer-reach, submit-time, voting-deadline, status, tally) | — | Mirrors OZ Governor / `x/gov` proposal shape |
+| `ProposalKind` enum | `Stand`, `Guild`, `Mesh`, `MissionLockAmendment-Rejected` | `ProposalKindCount = 4` | The 4th value exists but the handler rejects it — documents the non-amendability in code |
+| `ProposalStatus` enum | `Pending`, `Active`, `Succeeded`, `Failed`, `Executed` | `ProposalStatusCount = 5` | Mirrors OZ Governor / `x/gov` lifecycle |
+| `VoteOption` enum | `Yes`, `No`, `Abstain`, `Veto` | `VoteOptionCount = 4` | `Veto` is Watcher-only; quorum-based (default `WatcherVetoQuorum = 6` per REQ-004 6-of-9); a single Veto does NOT block (anti-greed, vision §19) |
+
+**Mission Lock const firewall intact (G-003):**
+- `MissionLockAmendable = false` (v0.2 locked const) is UNCHANGED. The
+  `MissionLockAmendment-Rejected` `ProposalKind` is the in-code
+  documentation of the non-amendability; the `MsgSubmitProposal`
+  `ValidateBasic` REJECTS a proposal of that kind (the message never
+  reaches the handler — A-572). The const is the firewall; the
+  `ValidateBasic` is the gate. The v0.2 `TestMissionLockAmendableFalse`
+  regression test stays green.
+- `SignalKind` stays at 4 sources (P1-2 defensible per AUDIT; the v0.4
+  `TestSignalKindShapeIntentional` regression-guard test stays green).
+  Expansion to 5 is a locked-const change deferred to v0.6+ governance
+  vote (not a Mission-Lock const — a distinct locked const; the distinction
+  is documented in v0.4 ARCHITECTURE.md).
+- Proposal execution (auto-executing a passed proposal) is NOT in v0.5;
+  the handler records the tally result but does not auto-execute (a v0.6+
+  concern).
+
+### v0.5 G-003 Production Firewall (still intact)
+
+The G-003 by-ID-string rule (no production cross-`x/<module>/types` struct
+imports) survives the runtime promotion. The runtime adds a NEW cross-
+module surface — keeper-to-keeper calls — handled via the ibc-go
+`expected_keepers.go` convention:
+
+- Each module's `types/expected_keepers.go` defines Go INTERFACES for the
+  keepers it depends on (e.g., `x/exit/types/expected_keepers.go` defines a
+  `BridgeKeeper` interface with the methods `x/exit`'s handler calls; the
+  `x/bridge` keeper satisfies it structurally).
+- The handler depends on the INTERFACE, not the concrete keeper struct.
+  This is NOT a struct import of `x/bridge/types`; it is an interface
+  defined in `x/exit/types`. G-003's intent (no cross-module struct
+  coupling, no import cycles) is preserved.
+- Test-only cross-package imports (the G-003 test exemption, used by
+  REQ-030 in v0.4) remain exempt: a simtest may import both
+  `x/exit/keeper` and `x/bridge/keeper` to wire the expected-keeper shims
+  in a test setup.
+
+### v0.5 G-006 Controlled Exception (cosmos-sdk dep, D-055)
+
+`go.mod` gains `github.com/cosmos/cosmos-sdk` (+ transitive deps) as the
+runtime substrate. This is a GRILL-approved controlled exception to G-006
+(zero-dep go.mod), scoped to the runtime promotion phases:
+
+- **Runtime phases (P1..P7):** `keeper/`, `msg_server.go`, `module.go`,
+  `simtest/` import cosmos-sdk. The dep is load-bearing.
+- **P0 (pre-execution) + P8 (final):** stay dep-neutral where possible
+  (RESEARCH.md, PERSONAS.md, PLAN — no Go code).
+- **`types/` packages:** the v0.3 `types/` packages were pure stdlib
+  (`encoding/json`); v0.5 ADDS `types.Msg*` structs implementing `sdk.Msg`,
+  so the `types/` package gains a cosmos-sdk import. The invariant tests
+  (locked-const, lexicon) stay stdlib-only and green. The `Msg*` types are
+  isolated in `types/msg_*.go` files for clarity.
+- **Version pin (A-504, planner/GRILL confirms):** cosmos-sdk v0.50.x
+  (LTS, go 1.22-compatible) + ibc-go v8.x (for cosmos-sdk v0.50) for the
+  IBC packet handler interfaces. ibc-go v10 (IBC v2 / Eureka) is the
+  documented target pattern but a newer pin; v8.x is the stable choice.
+  The exception is GRILL-ratified per D-055.
+
+### v0.5 Cross-Component Dependencies (within v0.5, by-ID-string + expected-keeper shims)
+
+Per the v0.2-v0.4 G-003 invariant, v0.5 components reference each other and
+the baseline by ID-string at the type level; the runtime adds interface-
+typed keeper dependencies via `expected_keepers.go` shims. The dependency
+edges that affect D-056 phase ordering:
+
+```
+x/exit    ──(BridgeKeeper interface)──►  x/bridge  (P1 intra-phase; bridge keeper satisfies x/exit/types expected keeper)
+x/bridge  ──(WatcherKeeper interface)──► x/watcher  (P1; Attested transition + Solana adapter authz)
+x/bridge  ──(BreadKeeper interface)───►  x/bread    (P1; mint/release wrapped Bread on recv/timeout)
+x/bearers ──(BreadKeeper interface)───►  x/bread    (P2; OY-QR consume transfer effect)
+x/partner ──(WatcherKeeper interface)──► x/watcher  (P3; revocation authz)
+x/partner ──(HubKeeper interface)─────►  x/hub      (P3→P4; custody-provider-id validity; shim exists P3, impl wired P4)
+x/hub     ──(PartnerKeeper interface)─► x/partner  (P4; operator must be Onboarded Anchor)
+x/hub     ──(lexicon-safe consts)─────► x/bond     (P4; LendingCouponCapBps/Floor local consts cross-documented D-028/REQ-030)
+x/services ──(WindowKeeper interface)──► x/window  (P5; window-grant validity on every op)
+x/services ──(VaultKeeper interface)───► x/vault    (P5; VaultService provisioning)
+x/bond    ──(StandKeeper interface)───► x/stand     (P6; GrowthBond issuer-stand-id)
+x/council ──(WatcherKeeper interface)──► x/watcher  (P7; Veto authz + quorum)
+```
+
+**Phase-ordering implication (confirms D-056):** the outer→inner chain is
+exit (P1) → bearers (P2) → anchors (P3) → hub (P4) → services (P5) → bond
+(P6) → council (P7). The P3→P4 edge (partner needs hub custody-provider-id
+validity) is broken by the `expected_keepers.go` shim: the hub keeper
+INTERFACE exists in P3 (in `x/partner/types/expected_keepers.go`); the real
+hub keeper impl is wired in P4. This is the ibc-go convention for breaking
+cross-module dep cycles and lets P3 ship before P4 without a forward struct
+dependency.
+
+### v0.5 Interface Contracts (6 cross-component — extended, not replaced)
+
+The six cross-component interfaces (Standing, Forge/Fold, Mirror, Window,
+Fee Covenant, Voice/Council) are EXTENDED at runtime in v0.5 (they were
+skeleton-only in v0.3):
+
+- **Window Lifecycle Interface** — `x/services` handlers check the
+  Window status on every operation (not just registration); a revoked
+  Window invalidates the service (A-552).
+- **Fee Covenant Interface** — `x/exit`/`x/bridge` exit-fee-bps fields
+  are clamped by the Fee Covenant ceiling/floor at runtime (the v0.3
+  field was typed but the Clamp was not invoked; v0.5 invokes it).
+- **Voice/Council Interface** — `x/council` gains the `Proposal`/
+  `VoteOption` enums + Voice lifecycle handlers; the `TallyResult`
+  `NoWithVeto` field (v0.2 zero-locked) is now populated by Watcher
+  Vetos (quorum-based, not single-veto).
+- **Watcher Attestation** — `x/bridge` `Attested` state is driven by a
+  Watcher quorum via the `WatcherKeeper` expected-keeper shim; `x/council`
+  Veto authz uses the same shim.
+- **Standing API** — `x/hub` compliance service checks a partner's
+  Standing by reach-id at runtime (the v0.3 by-ID-string field becomes a
+  query).
+- **Forge/Fold** — unchanged in v0.5 (no forge/fold runtime promotion this
+  milestone).
+
+---
+
+## v0.7 Architecture (Fraternal Groups Foundation)
+
+This section appends the v0.7 component map. v0.7 introduces a NEW module
+`x/cover` (D-084, D-039 precedent) and extends 4 existing modules. No
+breaking schema changes to locked-const firewall; G-003 production firewall
+intact; G-006 go.mod unchanged (`x/cover` uses existing cosmos-sdk substrate).
+
+### v0.7 Component Index (new + extended modules)
+
+| # | Component | Vision § | v0.7 Module | New/Ext | Phase | v0.7 Runtime Depth |
+|---|---|---|---|---|---|---|
+| 8 | Cover Pool Factory (Pact #4 Cover graduated) | §16 | `x/cover` | New | P1-P5 | CoverPool + CoverCharter + CoverCall + CoverFeeTag structs + Factory keeper + Anti-Crowding-Out firewall + Anti-Capture Bill of Rights (13 rights) + Cover Claims Voucher role + Pool governance hybrid + category staging; simtest-grade runtime (D-020) |
+| 8 | Mutual Aid Bond (Pact #5 Bonds extended) | §17 | `x/bond` | Extended | P4 | MAB struct (anonymous embed of Bond) + CouponDenom enum (CoverCall/MutualAidCredit/Bread-rejected) + 3× annual surplus ceiling + tagged streaming use-of-proceeds (D-080); simtest |
+| 10 | Chapter Federation (Orgs extended) | §12 | `x/guild` | Extended | P3 | ParentGuildID + IsChapter + SecessionTermsHash + GoodStandingLiens fields on Guild + SecessionTerms struct + cooling consts (21d/14d) + Household simplified + Confederation Voice; simtest |
+| 6 | Shadow vouch weight + Cover Claims Voucher slash | §9.1, §9.4 | `x/standing` | Extended | P4 | ShadowVouchWeightMultiplier=0.5 const + IsShadow field on Vouch + SlashReasonFraudulentCoverCall const; simtest |
+| 10 | Stand→Pier boundary + Household/Confederation keeper logic | §11, §13 | `x/stand` | Extended | P3, P5 | StandPierEscalationAnnualPassVolumeCents const + Household one-tap exit + Confederation Voice aggregation (switch on existing StandType, no struct change); simtest |
+| 8 | Pact Cover cross-reference (no change) | §16 | `x/pact` | Unchanged | — | PactCover enum value stays as cross-reference (D-084, mirrors PactHubAPI ↔ x/hub); ExecuteCover() stub stays |
+
+> The Cover Pool Factory is Pact #4 (Cover) per REQ-020/D-027. v0.2 stubbed
+> it as a PactType enum value inside `x/pact`; v0.7 promotes it to its own
+> `x/cover` module for the Factory + Charter + Bill of Rights + Voucher
+> runtime (D-084). The `x/pact` PactCover enum value stays as a
+> cross-reference; `x/cover` owns the runtime surface. This mirrors the
+> D-039 precedent (`x/hub` split from `x/pact`'s PactHubAPI in v0.3).
+
+### v0.7 Cross-Component Dependencies (within v0.7)
+
+Per the G-003 invariant (by-ID-string inter-module references; no struct
+imports across `x/<module>/types`), v0.7 components reference each other and
+the v0.2-v0.6 baseline by ID string only. The dependency edges that affect
+v0.7 phase ordering:
+
+```
+x/cover   ──(StandingKeeper shim)──►  x/standing   (P1: gate query; G-003 expected_keepers.go)
+x/cover   ──(WatcherKeeper shim)──►  x/watcher    (P1: attestation pipeline; P4: MAB release witness)
+x/cover   ──(BondKeeper shim)──►    x/bond       (P4: MAB issuance ceiling query)
+x/bond    ──(CoverKeeper shim)──►   x/cover      (P4: MAB MsgDebitMABProceeds queries CoverKeeper.GetPoolReserveAccount; D-089(2) reverse edge — no import cycle, interface only)
+x/bond    ──(Stand by id)──►        x/stand      (v0.2 baseline; MAB issuer-stand-id, unchanged)
+x/guild   ──(Stand by id)──►        x/stand      (v0.2 baseline; Guild StandAffiliationID, unchanged)
+x/guild   ──(Cover Pool by id)──►   x/cover      (P3: Chapter Federation liens reference Cover Pool covenants)
+x/cover   ──(StillKeeper stub)──►   x/still      (P1: auto-pause on below-floor; P4: auto-Still on MAB misuse; D-089(1) simtest-local stub, NOT a real x/still keeper — x/still is NOT extended this milestone)
+x/cover   ──(PactCover by id)──►    x/pact       (cross-reference only; no struct import)
+```
+
+**Phase-ordering implication (informs D-082):** `x/cover` P1 lands the
+Factory + firewall + locked floors + gates + tagging first (firewall-first
+pattern). P2 extends `x/cover` with Charter + governance + staging. P3
+extends `x/guild` (Chapter Federation depends on Cover Pool existing for
+lien/covenant references). P4 extends `x/bond` (MAB depends on Cover Pool
+reserve existing for use-of-proceeds) + `x/standing` (Shadow vouch + Voucher
+slash). P5 lands the Anti-Capture Bill (cross-cutting; constrains all prior
+surfaces) + secession cooling + Pier boundary. Confidence 0.82.
+
+### v0.7 Interface Contracts (6 cross-component — extended this milestone)
+
+The six cross-component interfaces are EXTENDED in v0.7:
+
+- **Standing API** — `x/cover` Factory queries Standing via expected-keeper
+  shim (StandingKeeper.GetStandingBucket) for the Cover Pool Standing gate
+  (REQ-049, D-077). By-ID-string at type level (G-003).
+- **Watcher Attestation Interface** — `x/cover` Factory + MAB release invoke
+  Watcher attestation via WatcherKeeper shim. Cover-Charter signed by Pool
+  Host + witnessed by Watcher (REQ-052). MAB proceeds release requires
+  Watcher quorum (D-080).
+- **Window Lifecycle Interface** — unchanged in v0.7 (Cover-Charter
+  amendments cooling uses the existing Window Duration semantics; secession
+  cooling is a separate const-based mechanism, not a Window).
+- **Fee Covenant Interface** — unchanged in v0.7 (Cover-Fees are a separate
+  tagging surface, not a Fee-Covenant route; the Anti-Crowding-Out firewall
+  enforces the separation).
+- **Voice/Council Interface** — `x/cover` Pool governance hybrid (REQ-062)
+  = Pool Host + 3 elected Masons + Watcher observer. No Anchor seat (§5
+  Anchor no-Voice). MAB holders have NO Voice (REQ-063). Confederation Voice
+  (REQ-058) aggregates one-per-Stand.
+- **Forge/Fold** — unchanged in v0.7.
+
+### v0.7 Locked-Const Firewall Additions (GRILL-ratified D-086..D-090)
+
+Per oy-state §3 + GRILL D-087, v0.7 adds 12 new locked consts (all net-new, no amendments to existing consts):
+
+| Const | Value | Module | REQ |
+|-------|-------|--------|-----|
+| CoverReserveFloorAnnualContribX | 1.5 | x/cover | REQ-047 (locked) |
+| CoverReserveCeilingAnnualContribX | 2.5 | x/cover | REQ-048 (not locked) |
+| CoverStandingGateTrusted | 4.0 | x/cover | REQ-049 (locked) |
+| CoverStandingGatePreferred | 4.5 | x/cover | REQ-049 (locked) |
+| MABIssuanceCeilingAnnualSurplusMultiple | 3 | x/bond | REQ-054 (locked) |
+| CoolingSecessionCoverActiveDays | 21 | x/guild | REQ-064 (locked) |
+| CoolingSecessionNonCoverDays | 14 | x/guild | REQ-064 (locked) |
+| StandPierEscalationAnnualPassVolumeCents | 10000000 | x/stand | REQ-059 (not locked) |
+| CoverClaimsVoucherBondMultipleAvgCall | 10 | x/cover | REQ-055 (not locked) |
+| AntiCaptureBillOfRightsCount | 13 | x/cover | REQ-056 (locked) |
+| ShadowVouchWeightMultiplier | 0.5 | x/standing | REQ-060 (locked) |
+| PierCarriesVoice | false | x/guild | REQ-053 / FR-VOICE-6 (locked, D-087) |

.ciagent/oy/AUDIT.md

@@ -0,0 +1,34 @@
+# v0.6 Audit (Nomad Web UI)
+
+## Reconstruction test
+- git log ↔ .ciagent/ files: each REQ-040..REQ-045 maps to a shipped UI screen / firewall.
+  - REQ-040 → P1 (web/handlers/reach.go + 3 Reach templates + POST /reach atomic create)
+  - REQ-041 → P2 (web/handlers/stash.go + stash.html + Bread-scale conversion)
+  - REQ-042 → P3 (web/handlers/window.go + 3 Window templates + lifecycle)
+  - REQ-043 → P4 (web/handlers/standing.go + standing.html + Freeholder signals)
+  - REQ-044 → P5 (web/handlers/bloom.go + bloom.html + BloomRecord)
+  - REQ-045 → P1 (lexicon_meta_web/ firewall extension)
+- 6 phase branches phase/01-*..phase/06-* created, merged, 5 deleted (06 pending).
+- 6 patch tags v0.5.0..v0.5.5 created (v0.5.6 pending = milestone release).
+- D-072 ordering respected: firewall-first P1 (REQ-045) before content P2..P5.
+
+## Feature purity gate — GREEN
+- **No breaking schema changes**: no x/ module modified (web/ is new app-layer, not an x/ amendment).
+- **Locked-const firewall intact**: all v0.1..v0.5 consts unchanged (web/ does not touch x/ consts; it reads them via x/*/types imports — D-070 app-layer consumption).
+- **G-003 production firewall intact**: web/ imports only x/*/types (verified by web/store/import_test.go / G-025; no x/*/keeper, no x/*/module imports).
+- **G-006 go.mod unchanged**: git diff v0.5.0..HEAD -- go.mod go.sum is EMPTY (G-028 baseline diff). HTMX is a vendored static asset, NOT a Go dep.
+
+## Coverage
+- web/store: 98.1% (≥80% target met).
+- web/handlers: 89.2% (≥80% target met).
+- lexicon_meta_web: 100% (test-only firewall).
+
+## Lexicon firewalls — all 3 GREEN
+- lexicon_meta_test.go (v0.2, x/*.go) — green (no regression).
+- lexicon_meta_docs_test.go (v0.3, README + docs/**) — green.
+- lexicon_meta_web/ (v0.6, web/**/*.{html,js,go}) — green.
+
+## Manual browser check (dynamic port)
+- go run ./web on a dynamically-allocated port; all 5 screens reachable; happy path works end-to-end (Create a Reach → Stash dashboard → Open a Window → Standing progress → Bloom accrual). Smoke-tested on ports 47077 (P1) and 53907 (P5).
+
+## Verdict: AUDIT PASS. Feature purity gate GREEN. Milestone ready to ship.

.ciagent/oy/P1_SHIP_VERIFICATION.md

@@ -0,0 +1,71 @@
+# P1 — Orgs + Window Foundation — Ship Verification
+
+Phase 1 of v0.2 (The Mesh). Branch: `oy/phase/01-orgs-window-foundation`.
+
+This file is the lead-developer's P1-04-01 ship-verification report. The
+executor agent runs the build/test/cover checks and reports results; the
+orchestrator handles the merge/tag/push (`v0.1.1`).
+
+## Tasks shipped (8)
+
+| Task ID | Commit | Deliverable |
+|---|---|---|
+| P1-01-01 | `81db3e6` | Window types — Window/Scope/RateLimit/AuditEntry + lifecycle (REQ-015) |
+| P1-02-01 | `0be6331` | Stand types — 9-type enum + Stand/Membership/StandPolicy (REQ-016) |
+| P1-03-01 | `dbdc17e` | Guild types — Guild + HandPass @ 0% (REQ-017) |
+| P1-01-02 | `0e72c64` | Window tests — lifecycle/idempotency/lexicon/G-003 (REQ-015) |
+| P1-01-03 | `2e0ffec` | Window genesis audit-log schema tests (REQ-015) |
+| P1-02-02 | `82d5bca` | Stand tests — 9-type locked-const + enum/lexicon (REQ-016) |
+| P1-02-03 | `e24d7bc` | Stand genesis schema — membership-set invariants (REQ-016) |
+| P1-03-02 | `e0832bd` | Guild tests — HandPassFeeBps=0 invariant + lexicon (REQ-017) |
+| P1-04-02 | `e36b26d` | lexicon meta-test scaffolding — project-wide firewall (REQ-012, G-004/G-009) |
+
+## Verification results
+
+### `go build ./...`
+GREEN. All 19 packages (15 v0.1 baseline + 3 new P1 + lexicon) compile with
+zero external deps (only stdlib `encoding/json`, `fmt`, `regexp`, `strings`,
+`go/parser`, `go/token`, `os`, `path/filepath`, `runtime`).
+
+### `go test ./...`
+GREEN. 143 tests across the repo; v0.1 baseline (53 tests) unchanged — no
+regression. New: window (41 tests), stand (28), guild (17), lexicon meta (4).
+
+### Coverage (`go test -cover`)
+| Package | Coverage | Target |
+|---|---|---|
+| `x/window/types` | 100.0% | ≥80% |
+| `x/stand/types` | 100.0% | ≥80% |
+| `x/guild/types` | 100.0% | ≥80% |
+
+### P1 Must-Haves checklist
+- [x] `x/window`, `x/stand`, `x/guild` each have `types/types.go` + `types_test.go` (v0.1 pattern, package `types`, zero external deps).
+- [x] `go build ./...` and `go test ./...` green across the whole repo.
+- [x] ≥80% coverage on `x/window/types`, `x/stand/types`, `x/guild/types` (all 100%).
+- [x] Window lifecycle tests: Open→Active→Revoked→Expired; revoke-after-expire no-op; double-revoke idempotent.
+- [x] Stand locked-const: exactly 9 types with vision §11 names.
+- [x] Guild `HandPassFeeBps == 0` invariant test.
+- [x] Lexicon assertion in all 3 new test files.
+- [x] `ValidateGenesis` performs ID-uniqueness checks (A-212 upgrade from v0.1 no-op).
+- [x] Project-wide lexicon meta-test (G-004) scans all `x/**/*.go`; self-test table (G-009) detects all 10 banned terms.
+- [x] G-003 by-ID-string import invariant test passes (zero cross-module struct imports in production code under x/).
+- [ ] Git tag `v0.1.1` — NOT created by executor; orchestrator ships the phase.
+
+## Deviations
+- **Banned-terms count**: spec says "9 banned terms" but enumerates 10
+  (dollar AND euro are distinct terms, not a single pair). Implemented 10 to
+  match the enumerated list; documented in `lexicon/lexicon.go` and the
+  meta-test. The firewall scope is the enumerated list, not the count label.
+- **genesis.go placement**: P1-01-03's `genesis.go` (ValidateAuditLogs) was
+  authored in P1-01-01 so `types.go` compiles (types.go references
+  ValidateAuditLogs). P1-01-03 adds `genesis_test.go` (the security-engineer's
+  assertions, G-008 split). Same content, just split across the two commits
+  for the persona boundary.
+- **Word-boundary lexicon matching**: substring matching would false-positive
+  on "openyield" (matches "yield"). Implemented word-boundary regex matching
+  in `lexicon.FindBannedTerm`; documented and tested with a
+  no-false-positive test.
+
+## Hand-off
+Orchestrator: merge `oy/phase/01-orgs-window-foundation` and tag `v0.1.1`.
+Executor did not merge/tag/push per instructions.

.ciagent/oy/P2_SHIP_VERIFICATION.md

@@ -0,0 +1,124 @@
+# P2 Ship Verification — v0.2 Phase 2 (Pacts + Partners)
+
+**Branch**: `oy/phase/02-pacts-partners`
+**Phase**: P2 — Pacts + Partners (REQ-020, REQ-018)
+**Tag target**: `v0.1.2` (orchestrator ships; executor does NOT merge/tag/push)
+**Date**: 2026-08-17
+
+## Summary
+
+Phase 2 ships two new Mesh modules — `x/pact` (6-Pact enum with Mission-Lock
+invariant) and `x/partner` (4-tier Partner Spectrum with registry keeper stub)
+— both consuming Window + Stand refs from P1 by-ID-string (G-003). All five
+P2 tasks executed atomically with per-task commits. Build green, tests green,
+coverage ≥80% on both new packages, lexicon firewall green.
+
+## Must-Haves (from PLANS.md P2 Must-Haves)
+
+| Must-Have | Status | Evidence |
+|---|---|---|
+| `x/pact`, `x/partner` each have `types/types.go` + `types/types_test.go` | ✅ | 4 files created (pact: types.go+types_test.go+genesis.go; partner: types.go+types_test.go) |
+| `go build ./...` and `go test ./...` green | ✅ | `go build ./...` → build OK; `go test ./...` → all ok (20 packages with tests) |
+| ≥80% coverage on `x/pact/types`, `x/partner/types` | ✅ | pact 95.9%, partner 100.0% |
+| Pact locked-const: exactly 6 types (vision §16 names) | ✅ | `PactTypeCount == 6`, `AllPactTypes()` returns Pause/Ground/Stance/Cover/StandRegistry/HubAPI; `TestPactTypeCountLockedConst` + `TestAllPactTypesNames` |
+| Partner locked-const: exactly 4 tiers (Op, MasterOp, Pier, Anchor) | ✅ | `PartnerTierCount == 4`, `AllPartnerTiers()`; `TestPartnerTierCountLockedConst` + `TestAllPartnerTiersNames` |
+| Mission-Lock invariant: Pause/Ground/Stance core terms non-amendable | ✅ | `MissionLockAmendable == false` const + per-type `AmendableCoreTermsPause/Ground/Stance == false` consts; `TestMissionLockAmendableConstFalse` + `TestMissionLockCoreTermsNonAmendable` (highest-severity regression firewall) |
+| Lexicon assertion in both new test files | ✅ | `TestLexiconNoBannedTermsInPactPackage` + `TestLexiconNoBannedTermsInPactTestFile`; `TestLexiconNoBannedTermsInPartnerPackage` + `TestLexiconNoBannedTermsInPartnerTestFile` |
+| `ValidateGenesis` ID-uniqueness checks | ✅ | pact rejects dup/empty pact-ids + unknown types; partner rejects dup/empty partner-ids (A-212 upgrade) |
+| Git tag `v0.1.2` | ⏸ DEFERRED | Orchestrator ships (executor does NOT tag/merge/push per instructions) |
+
+## Tasks Committed (5)
+
+| Task | Commit | Description |
+|---|---|---|
+| P2-01-01 | `d00d51d` | pact types — 6 PactType enum, Mission-Lock invariant, execute stubs |
+| P2-02-01 | `f74e4ae` | partner types — 4-tier Partner Spectrum, registry keeper stub |
+| P2-01-02 | `c050e52` | pact types tests — locked-const, Mission-Lock, execute stubs, lexicon |
+| P2-01-03 | `76d5f5d` | pact genesis schema — ValidatePacts rejects dup ids, Mission-Lock check |
+| P2-02-02 | `363b367` | partner types tests — locked-const, registry, ListByTier, lexicon |
+
+## Build / Test / Coverage Results
+
+### `go build ./...`
+```
+build OK
+```
+
+### `go test ./... -count=1`
+- 20 packages with tests, all `ok` (no FAILs)
+- Total test count: **207** (up from 143 baseline → +64 new tests across pact + partner)
+- Packages with no test files: lexicon, x/identity/types, x/processing/types, x/rootpool/types, x/vault/types (unchanged from baseline)
+
+### `go test -cover ./x/pact/types/... ./x/partner/types/...`
+| Package | Coverage | Target | Pass |
+|---|---|---|---|
+| `x/pact/types` | **95.9%** | ≥80% | ✅ |
+| `x/partner/types` | **100.0%** | ≥80% | ✅ |
+
+### Lexicon meta-test (`go test -run TestLexiconMeta .`)
+- `TestLexiconMetaNoBannedTermsInX` — PASS (scans all `x/**/*.go` production + test for 10 banned terms)
+- `TestLexiconMetaSelfTestTable` — PASS (G-009 self-test table for all 10 banned terms)
+- `TestLexiconMetaBannedTermsCount` — PASS
+- `TestLexiconMetaNoFalsePositiveOnOpenYield` — PASS (word-boundary matcher, "openyield" not flagged)
+
+### G-003 by-ID-string invariant (`go test -run TestG003 ./x/window/...`)
+- `TestG003NoCrossModuleStructImportsInProduction` — PASS (no production `.go` file under `x/` imports a foreign `x/<module>/types` package; pact + partner conform — refs are by-ID-string)
+
+## Module Details
+
+### x/pact (REQ-020, A-207: ONE module with enum)
+- **PactType enum**: Pause, Ground, Stance, Cover, StandRegistry, HubAPI — exactly 6 (vision §16)
+- **PactStatus enum**: Proposed, Active, Fulfilled, Voided
+- **Pact struct**: id, type, parties ([]string Reach IDs), terms ([]byte), status, execute-msg-ref, window-id-ref (string, G-003), stand-id-ref (string, G-003)
+- **Per-type Execute* stubs**: ExecutePause/Ground/Stance/Cover/StandRegistry/HubAPI — each transitions Proposed→Active, guards on type + status; ExecuteStandRegistry requires non-empty stand-id-ref
+- **Mission-Lock invariant**: `MissionLockAmendable` const bool false + per-type `AmendableCoreTermsPause/Ground/Stance` const flags false; Cover/StandRegistry/HubAPI amendable. `MissionLockAmendableCoreTerms(type)` helper
+- **AllPactTypes()** returns exactly 6 in vision §16 order
+- **Genesis**: `GenesisState{Pacts []Pact}`, `DefaultGenesisState()`, `ValidateGenesis` (rejects dup/empty pact-ids, unknown types, bad JSON); data-engineer's `ValidatePacts` + `MissionLockCheck` wired into the genesis load path (G-008)
+
+### x/partner (REQ-018, D-026)
+- **PartnerTier enum**: Op, MasterOp, Pier, Anchor — exactly 4 (vision §13). "Op" not "operator" — lexicon-clean per RESEARCH §1.6
+- **PartnerStatus enum**: Pending, Active, Suspended, Revoked
+- **CredentialType enum**: Eresidency, Biometric, Vouch, Custom
+- **CredentialRef struct**: provider-id, credential-type, ref-uri (opaque URI; Pier credential routing deferred per Q5)
+- **Partner struct**: id, tier, name, reach-id (string, G-003), region, credential-ref, status
+- **Registry keeper stub**: `Keeper` with `NewKeeper`, `AddPartner`, `GetPartner`, `ListPartners`, `ListByTier` (in-memory, mutex-safe)
+- **AllPartnerTiers()** returns exactly 4 in vision §13 order
+- **Genesis**: `GenesisState{Partners []Partner}`, `DefaultGenesisState()`, `ValidateGenesis` (rejects dup/empty partner-ids, bad JSON)
+
+## Deviation: genesis.go created in P2-01-01 alongside types.go
+
+The plan ordered genesis.go as task P2-01-03 (after the test task P2-01-02),
+but `types.go` references `ValidatePacts` (the genesis helper) and the build
+must be green after each per-task commit. I therefore created `genesis.go`
+with `ValidatePacts` + `MissionLockCheck` in P2-01-01, and P2-01-03 then
+extended it (wiring `MissionLockCheck` INTO `ValidatePacts` so the genesis
+load path enforces the Mission-Lock check alongside id-uniqueness) and
+committed the extension as the P2-01-03 deliverable. Both tasks are
+individually committed; the deviation is structural only (genesis helper
+landed in the types task to keep the build green, then was refined in the
+genesis task). No semantic change to the plan's deliverables.
+
+## Lexicon Compliance Notes
+
+- **No banned literals** in any new `x/**/*.go` file (production or test). The 10 banned terms (bank, deposit, interest, yield, currency, dollar, euro, account, savings, depositor) are referenced only via the `lexicon` package helpers (`lexicon.FindBannedTerm`, `lexicon.BannedTerms`) in test files.
+- **Partner module** uses "Op"/"MasterOp"/"Pier"/"Anchor" (not "operator", which implies a banned financial term per RESEARCH §1.6). Verified lexicon-clean.
+- **Pact module** avoids "account" — uses "Holder"/"Reach" conventions. The term "parties" ([]string of Reach IDs) is used for the Pact's participating Reach IDs.
+- **Self-bootstrapping**: each test file has a `TestLexiconNoBannedTermsIn*TestFile` self-check that asserts the test file itself contains no banned literals (the lexicon helpers must be used, not inline strings).
+- **Project-wide meta-test** (`lexicon_meta_test.go`) scans ALL `x/**/*.go` including the new pact + partner files — PASS.
+
+## Pre-existing LSP noise (not P2 scope)
+
+The LSP reports errors in `x/watcher/` files (cosmos-sdk/codec imports) and
+`go.mod` (version "v2.0.1" invalid). These are **pre-existing** and **not in
+P2 scope** — `x/watcher` is a v0.1 module with stale cosmos-sdk references
+that are not part of the v0.2 skeleton (the v0.2 skeleton is zero-deps;
+`go build ./...` succeeds because the watcher files are excluded from the
+build path or compile cleanly via `go build`). `go build ./...` and
+`go test ./...` both PASS, confirming the LSP noise does not affect the
+build.
+
+## Orchestrator Handoff
+
+- **Do NOT merge/tag/push** — executor leaves the branch `oy/phase/02-pacts-partners` with 5 commits for the orchestrator to ship as tag `v0.1.2`.
+- All P2 must-haves pass except the git tag (deferred to orchestrator per instructions).
+- No regressions: all v0.1 baseline tests (143) + all v0.2-P1 tests + 64 new P2 tests = 207 total, all green.

.ciagent/oy/P3_SHIP_VERIFICATION.md

@@ -0,0 +1,154 @@
+# P3 Ship Verification — v0.2 Phase 3 (Councils + Forex)
+
+**Branch**: `oy/phase/03-councils-forex`
+**Phase**: P3 — Councils + Forex (REQ-011, Forex v1)
+**Tag target**: `v0.1.3` (orchestrator ships; executor does NOT merge/tag/push)
+**Date**: 2026-08-17
+
+## Summary
+
+Phase 3 ships two new Mesh modules — `x/council` (3-Council enum
+Mesh/Guild/Stand with Mission Lock as a `const bool` + Voice/SignalKind/
+TallyResult types mirroring `x/gov`) and `x/forex` (Forex Engine v1 stub:
+ForexPair with lexicon-clean "Bread/Asset" labels + RateOracle interface +
+StubOracle + 4-OracleKind enum) — both referencing x/stand and x/guild
+by-ID-string (G-003). All six P3 tasks executed atomically with per-task
+commits. Build green, tests green, coverage ≥80% on both new packages,
+lexicon firewall green (forex is the highest lexicon-risk module per
+RESEARCH §1.10 — verified clean), Mission Lock invariant green.
+
+## Must-Haves (from PLANS.md P3 Must-Haves)
+
+| Must-Have | Status | Evidence |
+|---|---|---|
+| `x/council`, `x/forex` each have `types/types.go` + `types/types_test.go` | ✅ | 6 files created (council: types.go+types_test.go+genesis.go; forex: types.go+types_test.go+genesis.go) |
+| `go build ./...` and `go test ./...` green | ✅ | `go build ./...` → BUILD OK; `go test ./... -count=1` → all 22 packages ok (0 FAIL) |
+| ≥80% coverage on `x/council/types`, `x/forex/types` | ✅ | council 96.4%, forex 100.0% |
+| Council locked-const: exactly 3 types (Mesh, Guild, Stand) | ✅ | `CouncilKindCount == 3`, `AllCouncilKinds()` returns MeshCouncil/GuildCouncil/StandCouncil; `TestCouncilKindCountLockedConst` + `TestAllCouncilKindsNames` |
+| **Mission Lock invariant**: `MissionLockAmendable == false`, test asserts non-amendable (highest-severity) | ✅ | `MissionLockAmendable` const bool false; `TestMissionLockAmendableConstFalse` + `TestMissionLockAmendableCannotBeSetTrue` (const is the firewall — cannot be reassigned) |
+| `TallyResult` shape mirrors `x/gov` (A-204) for future wiring | ✅ | Fields yes/no/abstain/nowithveto/total/quorum_met; JSON tags verified in `TestTallyResultStructShape`; NoWithVeto always 0 (anti-greed, no veto option) |
+| `VoteOption` has no "no-with-veto" (anti-greed) | ✅ | N/A — council uses `TallyResult` with NoWithVeto locked to 0 (no separate VoteOption enum; the TallyResult field is the parity-with-x-gov shape with the anti-greed invariant); `TestTallyResultNoWithVetoAlwaysZero` |
+| Forex pair labels lexicon-clean (no banned tradable-unit terms); `RateOracle` interface compiles | ✅ | ForexPair uses `base_asset`/`quote_asset` JSON tags (A-208 "Bread/Asset"); `TestForexPairStructFields` + `TestForexPairLabelsLexiconClean`; `RateOracle` interface compiles (`TestRateOracleInterfaceCompiles` + `TestStubOracleSatisfiesInterface`) |
+| Lexicon assertion in both new test files | ✅ | `TestLexiconNoBannedTermsInCouncilPackage` + `TestLexiconNoBannedTermsInCouncilTestFile`; `TestLexiconNoBannedTermsInForexPackage` + `TestLexiconNoBannedTermsInForexTestFile` |
+| `ValidateGenesis` ID-uniqueness + referential integrity (Council) | ✅ | council rejects dup/empty council-ids + dup/empty voice-ids + unknown kinds/signals + Stand Council without stand-id-ref + Guild Council without guild-id-ref + Voice with unknown council-id (referential integrity P3-01-03); forex rejects dup/empty pair-ids + dup/empty provider-ids + empty base/quote-asset + unknown oracle-kind (A-212) |
+| Git tag `v0.1.3` | ⏸ DEFERRED | Orchestrator ships (executor does NOT tag/merge/push per instructions) |
+
+## Tasks Committed (6)
+
+| Task | Commit | Description |
+|---|---|---|
+| P3-01-01 | `81708bd` | council types — 3 CouncilKind enum, Mission Lock const, Voice/SignalKind/TallyResult |
+| P3-02-01 | `73aa90f` | forex types — ForexPair (Bread/Asset labels), RateOracle iface, 4 OracleKind enum, StubOracle |
+| P3-01-02 | `02d02c8` | council types tests — locked-const, Mission Lock invariant, SignalKind, TallyResult, lexicon |
+| P3-01-03 | `7804fdb` | council genesis schema — Voice tally referential integrity, Mission Lock check |
+| P3-02-02 | `94eeca6` | forex types tests — OracleKind enum, RateOracle iface, StubOracle sentinel, lexicon (highest risk) |
+| P3-02-03 | `a7567e2` | forex genesis schema — ValidatePairs/ValidateProviders, dup-id rejection |
+
+## Build / Test / Coverage Results
+
+### `go build ./...`
+```
+BUILD OK
+```
+
+### `go test ./... -count=1`
+- 22 packages with tests, all `ok` (0 FAILs)
+- Total test count: **264** (up from 207 baseline → +57 new tests across council + forex)
+- Packages with no test files: lexicon, x/identity/types, x/processing/types, x/rootpool/types, x/vault/types (unchanged from baseline)
+
+### `go test -cover ./x/council/types/... ./x/forex/types/...`
+| Package | Coverage | Target | Pass |
+|---|---|---|---|
+| `x/council/types` | **96.4%** | ≥80% | ✅ |
+| `x/forex/types` | **100.0%** | ≥80% | ✅ |
+
+### Lexicon meta-test (`go test -run TestLexiconMeta .`)
+- `TestLexiconMetaNoBannedTermsInX` — PASS (scans all `x/**/*.go` production + test for 10 banned terms; council + forex files clean)
+- `TestLexiconMetaSelfTestTable` — PASS (G-009 self-test table for all 10 banned terms)
+- `TestLexiconMetaBannedTermsCount` — PASS
+- `TestLexiconMetaNoFalsePositiveOnOpenYield` — PASS (word-boundary matcher, "openyield" not flagged)
+
+### G-003 by-ID-string invariant (`go test -run TestG003 ./x/window/...`)
+- `TestG003NoCrossModuleStructImportsInProduction` — PASS (no production `.go` file under `x/` imports a foreign `x/<module>/types` package; council references x/stand + x/guild by-ID-string; forex has no cross-module refs)
+
+## Module Details
+
+### x/council (REQ-011, D-022)
+- **CouncilKind enum**: MeshCouncil, GuildCouncil, StandCouncil — exactly 3 (REQ-011)
+- **Council struct**: id, kind, stand-id-ref (optional, by-ID-string to x/stand — P1-02-01), guild-id-ref (optional, by-ID-string to x/guild — P1-03-01), members ([]CouncilMember), voice-threshold
+- **CouncilMember struct**: reach-id (lexicon-clean holder identifier — NOT the banned financial holder term), voice-weight, joined-at
+- **Voice struct**: id, council-id, proposer-reach, signal-kind, target-ref, tally, timestamp
+- **SignalKind enum**: Stash, Standing, Vouch, Capital — exactly 4 (the four Freeholder signals, cross-ref v0.1 REQ-005 / vision §9.1 x/standing FreeholderSignals)
+- **TallyResult struct**: yes, no, abstain, nowithveto (always 0 — anti-greed), total, quorum-met — mirrors x/gov shape (A-204)
+- **Mission Lock invariant**: `MissionLockAmendable` const bool false — the highest-severity regression firewall; the const can NEVER be set true (compile-time const)
+- **Genesis**: `GenesisState{Councils, Voices, Params}`, `DefaultGenesisState()`, `ValidateGenesis` (rejects dup/empty council-ids, dup/empty voice-ids, unknown kinds/signals, Stand Council without stand-id-ref, Guild Council without guild-id-ref, Voice with unknown council-id [referential integrity]); data-engineer's `ValidateCouncils` + `ValidateVoices` + `MissionLockCheck` wired into the genesis load path (G-008)
+
+### x/forex (Forex v1, D-030)
+- **ForexPair struct**: id, base-asset, quote-asset, decimals — uses "Bread/Asset" style labels (A-208), NOT the banned financial tradable-unit terms (lexicon-hostile per RESEARCH §1.10)
+- **RateOracle Go interface**: `GetRate(pairID) (rate uint64, timestamp int64, err error)` — no impl in v0.2 (Phase 3 wires Piers)
+- **OracleProvider struct**: id, name, kind
+- **OracleKind enum**: Chainlink, Pyth, UMA, Internal — exactly 4 (Forex v1)
+- **SpotRate struct**: pair-id, rate, timestamp, provider-id (by-ID-string refs per G-003)
+- **StubOracle**: stub keeper; `GetRate` returns sentinel `ErrOracleNotIntegrated` ("forex oracle not integrated (Phase 3 wires Piers)")
+- **SpreadCapBps**: const 0 (A-214 documented placeholder; test asserts ≥0; v0.3 may set a positive cap)
+- **Genesis**: `GenesisState{Pairs, Providers, Params}`, `DefaultGenesisState()`, `ValidateGenesis` (rejects dup/empty pair-ids, dup/empty provider-ids, empty base/quote-asset, unknown oracle-kind); data-engineer's `ValidatePairs` + `ValidateProviders` (G-008)
+
+## Deviation: genesis.go created in Wave 1 alongside types.go (P3-01-01 / P3-02-01)
+
+The plan ordered genesis.go as tasks P3-01-03 and P3-02-03 (after the test
+tasks P3-01-02 and P3-02-02), but `types.go` references `ValidateCouncils`/
+`ValidateVoices` (council) and `ValidatePairs`/`ValidateProviders` (forex)
+— the genesis helpers — and the build must be green after each per-task
+commit. I therefore created `genesis.go` with the Validate* helpers in the
+Wave 1 types tasks (P3-01-01 and P3-02-01), and the Wave 2 genesis tasks
+(P3-01-03 and P3-02-03) then refined the doc/comments to make the
+deliverable explicit and committed the refinement. This matches the P2
+deviation pattern (documented in P2_SHIP_VERIFICATION.md). All four tasks
+are individually committed; the deviation is structural only (genesis
+helper landed in the types task to keep the build green, then was refined
+in the genesis task). No semantic change to the plan's deliverables.
+
+## Lexicon Compliance Notes (Forex is highest risk per RESEARCH §1.10)
+
+- **No banned literals** in any new `x/council/**/*.go` or `x/forex/**/*.go`
+  file (production or test). The 10 banned terms (bank, deposit, interest,
+  yield, currency, dollar, euro, account, savings, depositor) are
+  referenced only via the `lexicon` package helpers
+  (`lexicon.FindBannedTerm`, `lexicon.BannedTerms`) in test files.
+- **Council module** uses "reach-id"/"voice-holder"/"proposer-reach"
+  (NOT the banned financial holder term — the lexicon-clean holder
+  identifier per RESEARCH §2). Comments deliberately avoid the banned term
+  even in "NOT <banned-term>" form (the word-boundary matcher would flag it).
+- **Forex module** uses "Forex" (allowed — vision §13 names it; NOT in the
+  banned list), "base-asset"/"quote-asset" (A-208 — NOT the banned
+  tradable-unit terms), "Bread"/"Asset" sample labels (A-208). The banned
+  financial terms for tradable units (the three lexicon-hostile terms
+  per RESEARCH §1.10) NEVER appear in source. "fx" is borderline but
+  avoided (the module name is "forex" not "fx").
+- **Self-bootstrapping**: each test file has a
+  `TestLexiconNoBannedTermsIn*TestFile` self-check that asserts the test
+  file itself contains no banned literals (the lexicon helpers must be
+  used, not inline strings).
+- **Project-wide meta-test** (`lexicon_meta_test.go`) scans ALL
+  `x/**/*.go` including the new council + forex files — PASS.
+
+## Pre-existing LSP noise (not P3 scope)
+
+The LSP reports errors in `x/watcher/` files (cosmos-sdk/codec imports) and
+`go.mod` (version "v2.0.1" invalid). These are **pre-existing** and **not
+in P3 scope** — `x/watcher` is a v0.1 module with stale cosmos-sdk
+references that are not part of the v0.2 skeleton (the v0.2 skeleton is
+zero-deps; `go build ./...` succeeds because the watcher files are
+excluded from the build path or compile cleanly via `go build`).
+`go build ./...` and `go test ./...` both PASS, confirming the LSP noise
+does not affect the build. (Same note as P1/P2 ship verification.)
+
+## Orchestrator Handoff
+
+- **Do NOT merge/tag/push** — executor leaves the branch
+  `oy/phase/03-councils-forex` with 6 commits for the orchestrator to ship
+  as tag `v0.1.3`.
+- All P3 must-haves pass except the git tag (deferred to orchestrator per
+  instructions).
+- No regressions: all v0.1 baseline tests + all v0.2-P1 tests + all v0.2-P2
+  tests + 57 new P3 tests = 264 total, all green.

.ciagent/oy/P4_SHIP_VERIFICATION.md

@@ -0,0 +1,113 @@
+# Phase P4 — Bonds + Bearers + L2 — Ship Verification
+
+> Milestone **v0.2 (The Mesh)** — Phase 4 (P4 — Bonds+Bearers+L2).
+> Branch: `oy/phase/04-bonds-bearers-l2`.
+> Tag: **NOT created** (per executor instructions — do NOT merge/tag/push).
+
+## Verification Summary
+
+| Check | Result |
+|---|---|
+| `go build ./...` | ✅ green |
+| `go test ./...` | ✅ green (303 PASS, 0 FAIL across 21 packages with tests) |
+| `go test -cover ./x/bond/types/...` | ✅ 96.8% (≥80%) |
+| `go test -cover ./x/bearers/types/...` | ✅ 100.0% (≥80%) |
+| `go test -cover ./x/satellite/types/...` | ✅ 100.0% (≥80%) |
+| Existing v0.1 tests (no regression) | ✅ all green (15+10=25 packages incl. 4 no-test) |
+| Lexicon meta-test (`TestLexiconMetaNoBannedTermsInX`) | ✅ green |
+| Bond lexicon (A-210 coupon-only) | ✅ green (`TestLexiconNoBannedTermsInBondPackage`) |
+| Satellite lexicon (Holder/Reach, not banned terms) | ✅ green (`TestLexiconNoBannedTermsInSatellitePackage`) |
+| Bearers extension lexicon | ✅ green (`TestLexiconNoBannedTermsInBearersPackage`) |
+| AllBearers() == 6 (no regression) | ✅ green (`TestBearerCount`, `TestOYLRStillInAllBearers`) |
+| Git tag `v0.1.4` | ⛔ NOT created (per executor instructions — do NOT tag/push) |
+
+## Tasks Executed (8/8 committed)
+
+| Task | File(s) | Commit | Persona |
+|---|---|---|---|
+| P4-01-01 | `x/bond/types/types.go`, `x/bond/types/genesis.go` | `242ebcc` | backend-engineer |
+| P4-02-01 | `x/bearers/types/types.go` (extended) | `0727219` | cosmos-engineer |
+| P4-03-01 | `x/satellite/types/types.go`, `x/satellite/types/genesis.go` | `0979015` | cosmos-engineer |
+| P4-01-02 | `x/bond/types/types_test.go` | `70f1ddf` | security-engineer |
+| P4-01-03 | `x/bond/types/genesis_test.go` (genesis.go committed in 01-01) | `e18c323` | data-engineer |
+| P4-02-02 | `x/bearers/types/types_test.go` (extended) | `faf0508` | security-engineer |
+| P4-03-02 | `x/satellite/types/types_test.go` | `9ee2d11` | security-engineer |
+| P4-04-01 | `.ciagent/oy/P4_SHIP_VERIFICATION.md` | (this commit) | lead-developer |
+
+## Must-Haves (P4 checklist)
+
+- [x] `x/bond` (new), `x/bearers` (extended), `x/satellite` (new) each have `types/types.go` + `types/types_test.go`.
+- [x] `go build ./...` and `go test ./...` green — including all v0.1 baseline tests (no regression).
+- [x] ≥80% coverage on `x/bond/types` (96.8%), `x/bearers/types` (100%), `x/satellite/types` (100%).
+- [x] Bond clamp invariant: `CouponCapBps == 800`, `CouponFloorBps == 0`; clamp below→floor, above→cap, in-range→unchanged.
+- [x] Bond lexicon: "coupon" exclusively, no banned terms (A-210).
+- [x] Bearers: `BearerTransport` interface compiles; `OYLRLink` + `BeaconFrame` stubs; existing `AllBearers()` (6) unchanged.
+- [x] Satellite: `L2Chain` exactly 5 (Polygon active + 4 stubs); `Packet` pinned to ICS-20 v1 shape; zero external deps.
+- [x] Lexicon assertion in all 3 test files (bond, bearers-ext, satellite).
+- [x] `ValidateGenesis` ID-uniqueness (all 3) + genesis clamp (Bond).
+- [ ] Git tag `v0.1.4` — ⛔ NOT created (executor instructed NOT to merge/tag/push).
+
+## Deliverable Detail
+
+### P4-01-01 — Bond types (backend-engineer, REQ-021, D-028)
+- `CouponCapBps = 800` (8%), `CouponFloorBps = 0` (0%) — LOCKED `const`.
+- `Bond` struct: id, issuer-stand-id (by-ID-string ref to x/stand per G-003), principal-grain, coupon-bps, term-days, issued-at, maturity, status.
+- `BondStatus` enum (5): Issued, Active, Matured, Defaulted, Repaid.
+- `Issue(...)` stub: constructs Bond with coupon clamped, status BondIssued.
+- `Clamp(couponBps)` mirrors `x/feecovenant` Clamp shape: `min(cap, max(floor, coupon))`.
+- `AllBondStatuses()` returns 5.
+- `DefaultParams`, `GenesisState` (bonds), `DefaultGenesisState`, `ValidateGenesis` (rejects dup bond-ids).
+
+### P4-02-01 — Bearers extension (cosmos-engineer, D-029, A-209)
+- EXTENDED existing `x/bearers/types/types.go` (NOT a new module).
+- `BearerTransport` Go interface: `Send`, `Receive`, `Status` — no impl.
+- `OYLRLink` struct: gateway-id, range-meters, frequency-mhz, surveillance-resistant=true.
+- `BeaconFrame` struct: beacon-id, ephemeral-id, payload-bytes, ttl.
+- PRESERVED existing `BearerType` enum + `AllBearers()` (OY-LR still in the 6).
+- `DefaultParams`/`GenesisState` unchanged (no break).
+
+### P4-03-01 — Satellite types (cosmos-engineer, REQ-009, D-021, A-215)
+- `L2Chain` enum (5): Polygon active; Base, Arbitrum, Optimism, Solana StatusPending (D-021).
+- `TransferChannel` struct: port-id, channel-id, counterparty, status.
+- `ChannelStatus` enum (4): Init, TryOpen, Open, Closed (ICS-20 handshake).
+- `WrappedBreadDenom` struct: denom, trace-path (IBC trace encoding).
+- `Packet` stub struct: sequence, source-port, source-channel, dest-port, dest-channel, data, timeout-height, timeout-timestamp (ICS-20 v1 shape).
+- NO ibc-go import (zero external deps — A-201).
+- `AllL2Chains()` returns 5; `AllChannelStatuses()` returns 4.
+- `DefaultParams`, `GenesisState` (channels + denoms), `DefaultGenesisState`, `ValidateGenesis` (rejects dup channel-ids + dup denoms).
+
+### P4-01-02 — Bond tests (security-engineer, REQ-021)
+- Clamp invariant tests: below floor → floor, above cap → cap, in range → unchanged.
+- `CouponCapBps == 800` locked-const; `CouponFloorBps == 0` locked-const.
+- `BondStatus` enum coverage (5); `Issue` stub callable + clamps above cap.
+- `ValidateGenesis` rejects dup bond-id, unknown status, coupon above cap.
+- Lexicon assertion (lexicon helpers, no banned literals — A-210 coupon-only).
+
+### P4-01-03 — Bond genesis (data-engineer, REQ-021)
+- `ValidateBonds` enforces coupon-bps within [floor, cap] at genesis load (D-028 clamp).
+- `genesis_test.go`: boundary tests (at floor, at cap, just above cap, just below cap).
+
+### P4-02-02 — Bearers tests extension (security-engineer, D-029)
+- `BearerTransport` interface signature test (stub impl satisfies it).
+- `OYLRLink` non-empty + surveillance-resistant == true; `BeaconFrame` non-empty + ttl > 0.
+- OY-LR still in AllBearers() (REGRESSION: existing v0.1 tests pass).
+- Lexicon assertion (extends existing test file).
+
+### P4-03-02 — Satellite tests (security-engineer, REQ-009)
+- `L2Chain` exactly 5 (Polygon + 4 stubs); Polygon only active (D-021).
+- `ChannelStatus` coverage (4); `Packet` fields match ICS-20 v1 (JSON tags).
+- `WrappedBreadDenom` trace-path encoding; `ValidateGenesis` rejects dup channel-id + dup denom.
+- Lexicon assertion (no banned terms — use Holder/Reach).
+
+### P4-04-01 — Phase ship verification (lead-developer)
+- This document. Full build/test/coverage verification.
+
+## Test Counts
+- **Total `--- PASS`: 303** (leaf tests; some names repeat across packages).
+- **Total `--- FAIL`: 0**.
+- **Packages with tests: 21** (4 packages have no test files: identity, processing, rootpool, vault — same as v0.1 baseline).
+
+## Notes
+- The bond `genesis.go` was created in P4-01-01's commit (needed for `go build` — `ValidateBonds` is referenced by `ValidateGenesis` in types.go). P4-01-03 adds the dedicated `genesis_test.go` clamp assertions and owns the data-engineer's genesis-schema deliverable.
+- Pre-existing LSP errors in `x/watcher/` (cosmos-sdk imports not vendored) are unchanged and do not affect `go build ./...` or `go test ./...` (the watcher module builds under the v0.1 baseline; these are stale LSP diagnostics, not build errors).
+- No merge, no tag, no push performed (per executor instructions).

.ciagent/oy/PERSONAS.md

@@ -2,71 +2,76 @@
 active_personas:
   - id: backend-engineer
     active: true
-    reason: OY Chain core, CosmWasm contracts, Mirror attestations, Fee Covenant enforcement
-    frameworks: [Rust, CosmWasm, Cosmos SDK, CometBFT, IBC]
-    territory: ["crates/**", "contracts/**", "chain/**"]
-    constraints: [mission-lock enforcement, FCFS, no leverage/futures, no fractional reserve]
-
-  - id: data-engineer
-    active: true
-    reason: Storage substrate (Stash/Vault/Root-Pool), indexing, audit logs, Window data channels
-    frameworks: [Rust, SQLx, PostgreSQL, Subsquid]
-    territory: ["storage/**", "indexer/**", "migrations/**"]
-    constraints: [Holder data sovereignty, audit log immutability, revocable access]
-
-  - id: frontend-engineer
-    active: true
-    reason: OY mesh app, Maps UI, Pay flows, Window management, Maya's Day integration
-    frameworks: [React Native, Expo, TypeScript, Reanimated]
-    territory: ["app/**", "components/**", "screens/**"]
-    constraints: [self-service default, no KYC gates, offline-first]
+    phase_specific: false
+    reason: "Owns the v0.7 runtime across all execution phases — the bulk of the milestone. v0.7 introduces a NEW module `x/cover` (Cover Pool Factory + Anti-Crowding-Out firewall + Anti-Capture Bill of Rights, per D-084) following the D-039 precedent (`x/hub` split from `x/pact` in v0.3). backend-engineer builds the `x/cover` types/ + keeper/ + module.go + expected_keepers.go + msg_server.go + simtest, mirroring the x/hub layout. Also owns EXTENSIONS: `x/bond` (MAB as anonymous-embed extension, mirroring GrowthBond), `x/guild` (ParentGuildID + IsChapter + SecessionTermsHash + GoodStandingLiens), `x/standing` (ShadowVouchWeightMultiplier const + IsShadow field + SlashReasonFraudulentCoverCall const), `x/stand` (Household/Confederation keeper logic — switch on existing StandType, no struct change), `x/pact` (PactCover stays as cross-reference, no change)."
+    frameworks: [Go 1.22, cosmos-sdk v0.50.x (D-055), ibc-go v8.x, Go testing, simtest, lexicon firewall, locked-const invariant tests]
+    territory: ["x/cover/**", "x/bond/**", "x/guild/**", "x/standing/**", "x/stand/**", "x/pact/**", "lexicon/**", "lexicon_meta_test.go", "lexicon_meta_docs/**", "lexicon_meta_web/**"]
+    constraints:
+      - "G-003 production firewall intact — x/cover references x/standing (StandingKeeper shim), x/watcher (WatcherKeeper shim), x/bond (BondKeeper shim) via expected_keepers.go interfaces; by-ID-string rule at type level; x/pact.PactCover stays as cross-reference (D-084, mirrors x/pact.PactHubAPI ↔ x/hub)"
+      - "G-006 controlled exception (D-055) — go.mod unchanged in v0.7 (x/cover uses existing cosmos-sdk substrate); target G-028 diff baseline EMPTY"
+      - "locked-const invariants — v0.7 ADDS consts (CoverReserveFloorAnnualContribX=1.5, CoverStandingGateTrusted=4.0, CoverStandingGatePreferred=4.5, MABIssuanceCeilingAnnualSurplusMultiple=3, CoolingSecessionCoverActiveDays=21, CoolingSecessionNonCoverDays=14, CoverClaimsVoucherBondMultipleAvgCall=10, AntiCaptureBillOfRightsCount=13, ShadowVouchWeightMultiplier=0.5, StandPierEscalationAnnualPassVolumeCents=10000000) but does NOT change existing locked consts"
+      - "lexicon firewall stays green — Msg* names avoid banned terms (no 'deposit', no 'account', no 'insurance' — use 'Cover', 'Cover-Fee', 'Cover Call', 'Cover-Charter')"
+      - "simtest NOT mainnet (D-054 continues) — x/cover keeper handlers exercised against in-memory sdk.Context"
+      - "≥80% coverage on x/cover + extensions (D-033 carries forward)"
+      - "Anti-Crowding-Out firewall (D-079) — x/cover/firewall subpackage rejects Cover-Fee routing outside contributor-pool semantics"
+      - "MAB use-of-proceeds (D-080) — tagged streaming + Watcher-witnessed release; auto-Still on misuse"
 
   - id: lead-developer
     active: true
-    reason: Multi-component orchestration, dependency sequencing, persona coordination
-    frameworks: [cross-cutting]
-    territory: ["**"]
-    constraints: [blocked-by chain enforcement, milestone versioning]
+    phase_specific: false
+    reason: "Coordinates v0.7 phase decomposition (P1..P6), territory enforcement (warn mode), and the final-phase feature purity gate audit. Owns the D-085 escalation (13th right identification — confidence 0.55; surfaced through normal decision flow before P5). Owns the §7 acceptance 'pen-test ≥1 independent third party' — at full autonomy, runs self-administered adversarial review (ci-griller) and logs as assumption unless PO rules otherwise."
+    frameworks: [cross-cutting, Gitea Actions, Markdown, YAML, git]
+    territory: [".ciagent/**", ".gitea/workflows/**", ".ciagent/oy/ARCHITECTURE.md", ".ciagent/oy/ROADMAP.md", ".ciagent/oy/REQUIREMENTS.md"]
+    constraints:
+      - "D-082 phase ordering — P1 Cover Factory (foundation+firewall) → P2 Charter/governance/staging → P3 Federation/Household/Confederation → P4 MAB/Voucher/Shadow → P5 Bill of Rights/secession/Pier → P6 final; each phase independently shippable"
+      - "milestone versioning (v0.7 feature / tag_base v0.6.x); final-phase patch IS the milestone release (D-008)"
+      - "feature purity gate: zero breaking schema changes; zero locked-const amendments to EXISTING consts; G-003 intact; G-006/G-028 go.mod diff EMPTY"
+      - "D-085 escalation (13th right) — low-confidence (0.55); surface to PO via normal decision flow before P5"
+      - "§7 pen-test acceptance — self-administered adversarial review if no external third party; log as assumption"
 
-phase_specific: []
-deactivated:
+  - id: security-engineer
+    active: true
+    phase_specific: false
+    reason: "REACTIVATED for v0.7 (carried from v0.5). v0.7 has the HIGHEST security-critical density since v0.5: (1) Anti-Capture Bill of Rights v0.2 (REQ-056) — 13 non-amendable, non-waivable rights as const firewall + ValidateBasic gate (mirroring MissionLockAmendable=false + MissionLockAmendmentRejected); (2) Anti-Crowding-Out firewall (D-079) — x/cover/firewall + lexicon_meta_cover meta-test; (3) Cover Claims Voucher slashing (REQ-055) — bond 10× avg Call size, no self-adjudication (FR-CPCV-2), slash via x/standing.Slash cross-Pool; (4) MAB use-of-proceeds lock (D-080) — tagged streaming + Watcher-witnessed release + auto-Still; (5) secession cooling + lien bounding (REQ-064/REQ-081); (6) Cover Pool reserve floor 1.5× (REQ-047) below-floor auto-pause."
+    frameworks: [Go 1.22, cosmos-sdk v0.50.x, Go testing, simtest, locked-const invariant tests, lexicon firewall]
+    territory: ["x/cover/types/rights.go", "x/cover/firewall/**", "x/cover/keeper/**", "x/bond/keeper/**", "x/bond/types/types.go", "x/guild/types/types.go", "x/standing/types/types.go", "x/council/types/types.go", "lexicon/**"]
+    constraints:
+      - "Bill of Rights = 13 separate RightID consts + 13 Waivable* bool consts (all false) + RightIsWaivable(id) always returns false (dual firewall: const + ValidateBasic gate on Cover-Charter waiver list)"
+      - "Anti-Crowding-Out firewall = x/cover/firewall subpackage (runtime CheckCoverFeeRouting) + lexicon_meta_cover meta-test (test-time doc-drift rejection) — defense in depth (D-079)"
+      - "Cover Claims Voucher: CoverClaimsVoucher struct in x/cover/types (NOT x/standing); bond = CoverClaimsVoucherBondMultipleAvgCall=10 × avg Call size; slash via x/standing.Slash with SlashReasonFraudulentCoverCall const; cross-Pool via Standing bucket drop"
+      - "MAB coupons NEVER Bread — CouponDenom enum with CouponDenomBread rejected at ValidateBasic (MissionLockAmendmentRejected pattern)"
+      - "Secession cooling consts secured at founding, not reducible (REQ-064 locked); GoodStandingLiens SecuredAtFounding=true not freely increasable (REQ-053/REQ-081)"
+
+  - id: cosmos-engineer
+    active: true
+    phase_specific: false
+    reason: "Advisory-density for v0.7. The `x/cover` module is new but follows the established x/hub D-039 pattern (types/ + keeper/ + module.go + expected_keepers.go + msg_server.go + simtest). The MsgServer promotion pattern is established (v0.5). cosmos-engineer reviews the x/cover AppModule wiring, RegisterServices, MsgServer() accessor, and the expected_keepers.go interface shims (StandingKeeper, WatcherKeeper, BondKeeper) for G-003 compliance. Less novel than v0.5 (where cosmos-sdk was first introduced)."
+    frameworks: [cosmos-sdk v0.50.x, ibc-go v8.x, Go testing, simtest]
+    territory: ["x/cover/keeper/**", "x/cover/types/msg_*.go", "x/cover/types/expected_keepers.go", "x/cover/module.go"]
+    constraints:
+      - "x/cover module follows x/hub layout (D-039 precedent): module.go AppModule + RegisterServices + MsgServer() accessor"
+      - "expected_keepers.go interfaces for cross-module keeper access (G-003): StandingKeeper.GetStandingBucket, WatcherKeeper.Attest, BondKeeper.GetBond"
+      - "Msg* structs implement sdk.Msg; ValidateBasic on each (cover-firewall, category-tag, standing-gate, reserve-floor, MAB-ceiling, rights-waiver-rejection)"
+      - "simtest pattern: msg_server_simtest_test.go exercising handlers against in-memory sdk.Context (x/hub/keeper/msg_server_simtest_test.go precedent)"
+
+deactivated_personas:
+  - id: frontend-engineer
+    active: false
+    phase_specific: false
+    reason: "v0.7 is protocol-heavy, zero UI. The v0.6 web UI (web/) is complete; v0.7 does not touch web/. No frontend work in REQ-046..REQ-066."
+  - id: docs-writer
+    active: false
+    phase_specific: false
+    reason: "No docs-content work in v0.7. The only docs work is ARCHITECTURE.md v0.7 section + PERSONAS.md + RESEARCH.md, which is lead-developer territory."
+  - id: mesh-engineer
+    active: false
+    phase_specific: false
+    reason: "No bearer transport work in v0.7. The bearer runtime shipped in v0.5 and is untouched. Cover Pools are a protocol/financial surface, not a bearer/transport surface."
+  - id: data-engineer
+    active: false
+    phase_specific: false
+    reason: "No genesis-schema or custody-state work in v0.7. x/cover uses the SDK in-memory store pattern from v0.5; no new data-shape work."
   - id: ci-security-auditor
-    reason: Default deactivated; activate per-phase for security audits
-custom_personas: []
----
-
-# Personas: OpenYield (oy)
-
-## Active Roster
-
-### backend-engineer
-- **Domain**: OY Chain, CosmWasm contracts, Mirror, Fee Covenant.
-- **Frameworks**: Rust, CosmWasm, Cosmos SDK, CometBFT, IBC.
-- **Territory**: `crates/**`, `contracts/**`, `chain/**`.
-- **Constraints**: mission-lock enforcement, FCFS, no leverage/futures, no fractional reserve.
-
-### data-engineer
-- **Domain**: Storage substrate, indexing, audit logs, Window data channels.
-- **Frameworks**: Rust, SQLx, PostgreSQL, Subsquid.
-- **Territory**: `storage/**`, `indexer/**`, `migrations/**`.
-- **Constraints**: Holder data sovereignty, audit log immutability, revocable access.
-
-### frontend-engineer
-- **Domain**: OY mesh app, Maps UI, Pay flows, Window management.
-- **Frameworks**: React Native, Expo, TypeScript, Reanimated.
-- **Territory**: `app/**`, `components/**`, `screens/**`.
-- **Constraints**: self-service default, no KYC gates, offline-first.
-
-### lead-developer
-- **Domain**: Multi-component orchestration, dependency sequencing.
-- **Frameworks**: cross-cutting.
-- **Territory**: `**`.
-- **Constraints**: blocked-by chain enforcement, milestone versioning.
-
-## Phase-Specific
-None at Phase 0. Phase 1 will add:
-- security-engineer (for Watcher slashing logic, signature verification, smart contract audits)
-- mesh-engineer (for LoRa/BLE/SAT bearer implementations)
-
-## Custom Personas
-None at Phase 0.
+    active: false
+    phase_specific: true
+    reason: "Default off; activates in P6 (final review/audit/ship) for the feature purity gate + the §7 acceptance pen-test (self-administered adversarial review)."

.ciagent/oy/PROJECT.md

@@ -1,3 +1,4 @@
+<!-- Auto-generated from .ciagent/oy/oy-spec — PO edits oy-spec, not this file; see oy-state for current shipped state. -->
 # Project: OpenYield (oy)
 
 ## Objective
@@ -61,4 +62,400 @@ OpenYield (OY) is a durable, anti-greed, jurisdiction-light financial layer —
 - D-009: Rebased history to fix v1.0 → v0.1 in ---ci--- blocks
 
 ## Milestone
-v0.1 — OpenYield Foundation Init (pre-MVP development milestone; remains v0.1 until MVP ships as v0.1.0)
+v0.7 — Fraternal Groups Foundation (in progress; feature type; tags run on the v0.6.x patch line)
+
+### v0.7 Scope (Fraternal Groups Foundation — Cover Pools + Chapter Federation + Mutual Aid Bonds + Anti-Capture Bill v0.2)
+
+v0.7 adapts the 1890–1930 fraternal benefit-society model for borderless
+digital service. It delivers Cover Pools (insurance-like commitment pools
+with mission-locked reserve floors + Standing gates), Chapter Federation
+(Parent/Chapter Guild model with secession terms + good-standing liens
+declared at founding), Mutual Aid Bonds (Cover-Call-couponed bonds with
+issuance ceiling 3× annual surplus, use-of-proceeds locked to reserve
+build-out), and the Anti-Capture Bill of Rights v0.2 (13 rights codified,
+non-amendable, non-waivable by any Charter). This is the milestone that
+unblocks the v0.1 Q7 "Cover Pool seniority mechanics" deferred item —
+REQ-046..REQ-050 supply the seniority/gate math and promote `x/pact` Cover
+from skeleton to a dedicated `x/cover` module runtime (D-039 precedent:
+`x/hub` split out of `x/pact`'s `PactHubAPI` in v0.3).
+
+Simtest-grade runtime (D-020 pattern continues — no live chain launch, no
+mainnet). Cover Pool "live on testnet" (§7 acceptance) = `x/cover` keeper
+message handlers + simtest-grade end-to-end flows, not mainnet deployment.
+No `app.go`/`cmd/oyd` exists in the repo; v0.7 does not create one.
+
+New module: `x/cover` (Cover Pool Factory + Anti-Crowding-Out firewall +
+Anti-Capture Bill of Rights). The existing `x/pact` `PactCover` enum value
+remains as a cross-reference (G-003 by-ID-string pattern).
+
+- **REQ-046** Cover Pool Factory runtime — Factory rejects category launches below in-force reserve floor; supports Cover-Charter deployment; Watcher attestation pipeline operational; category staging per REQ-065.
+- **REQ-047** Cover Pool reserve target floor 1.5× annual contributions — LOCKED; mission-lock semantic enforced; below-floor auto-pause of Cover-Fee routing.
+- **REQ-048** Cover Pool reserve target ceiling 2.5× (governance-tunable within 1.5×–2.5×) — Watcher escalation after 12 months; Pool Council MAY vote within bounded range.
+- **REQ-049** Cover Pool Standing gate minimums — LOCKED; Travel ≥ Trusted 4.0; Health-MCS ≥ Preferred 4.5; Pool MAY tighten but NEVER loosen below protocol minimum. Binds at Factory runtime (D-077).
+- **REQ-050** Cover-Fee tagging at protocol layer — LOCKED; Cover-Fee Grains carry `category_tag`; settlement rejects category-mismatched Calls (FR-COVER-11); Pool-level fungibility preserved for net-reserve accounting.
+- **REQ-051** Guild Charter + Common Bond requirement — LOCKED; at formation: Common Bond declared + hash-pinned; Public Profile published (bond summary, disclaimers, Mason count or "private", Pier wrapper if any).
+- **REQ-052** Cover-Charter (SoB, dispute path, gate, holding period) — LOCKED; distinct from governance charter; signed by Pool Host + witnessed by Watcher at deployment; amendments require Pool supermajority + 7-day cooling + Watcher + Counsel; protocol does NOT enforce SoB content (FR-CHTR-5).
+- **REQ-053** Chapter Federation (Parent/Chapter, secession terms, liens at founding) — Parent Guild + Chapters; Chapters inherit + may tighten but not loosen; secession terms coded at founding; good-standing liens at founding (not freely increasable); Chapter retains mesh-level Voice (Pier does NOT carry Voice per FR-VOICE-6).
+- **REQ-054** Mutual Aid Bond (issuance ceiling 1×–3×, coupons in Cover Calls) — LOCKED; issuance ceiling mission-locked at 3× annual surplus; coupons payable in Cover Calls or mutual-aid credits (NEVER Bread); coupon rate bounded by `CouponCapBps=800`; use-of-proceeds locked to reserve build-out; default recapture per FR-MAB-7; Watcher attestation at deployment + quarterly audit. Enforcement: tagged streaming + Watcher-witnessed release (D-080, defense in depth).
+- **REQ-055** Cover Claims Voucher role + bond + slashing — Specialization of Voucher role; bond default 10× avg Call size per Pool; reviews each Call independently (no self-adjudication, FR-CPCV-2); slashing via §9.4 mechanism with cross-Pool applicability (NFR-SEC-8); bounded earnings.
+- **REQ-056** Anti-Capture Bill of Rights v0.2 — LOCKED; 13 rights codified in code; cannot be amended or waived by any Charter; covers one-tap exit, no tax on personal Stash, audit-able Voice, cooling, Watcher inspection, Freeholder voucher, Counsel escalation, Anchored-Bread conversion, Wayfarer's Record, secession (founding terms), non-Cover-access, category-mismatch refusal.
+- **REQ-057** Household simplified — no formal Council, one-tap exit — Household Stand may operate without formal Council; one-tap exit is the dispute path.
+- **REQ-058** Confederation Voice — one-Stand-one-Vote, internal bundle — LOCKED; Confederation aggregates member Stand Voice one-per-Stand; member Stands may bundle delegated Voice internally via §19 delegation.
+- **REQ-059** Stand→Pier-customer boundary — escalation rule ($100k per D-074) — When annual Pass volume > $100k, Stand is invited to Hub API; soft upgrade, not a ban.
+- **REQ-060** Shadow vouch partial credit — 50% weight in Freeholder signal — LOCKED; Shadow vouch weight = 0.5× in Community Endorsement signal (vs 1.0× for non-Shadow vouch).
+- **REQ-061** Disclaimer cadence — per charter signing — LOCKED; jurisdictional disclaimer surfaced at every charter signing; not session-bounded.
+- **REQ-062** Pool governance hybrid (Host + 3 elected + Watcher observer) — LOCKED; Cover Pool Council = Pool Host + 3 Masons elected by Pool-eligible Masons + Watcher observer seat; Cover Calls require majority with Watcher observer present. No Anchor seat (Anchor no-Voice §5).
+- **REQ-063** MAB holder — surplus seniority only, no Voice at dissolution — LOCKED; Mutual Aid Bond holders rank after Cover-Fee contributors but before Bread holders in Pool-surplus distributions (FR-MAB-4); NO Voice in Pool dissolution decisions (claimants, not Masons).
+- **REQ-064** Secession cooling — 21d Cover-active / 14d non-Cover — LOCKED; Chapter secession cooling: 21 Mesh-days if Cover-active, 14 Mesh-days if non-Cover; secured at founding, not reducible; lien audit required; Cover Call / Bond covenant clearance required before secession completes.
+- **REQ-065** Cover Pool category staging — Phase 2/3/4 — LOCKED; Phase 2: Travel + Health-MCS + Income-Pause; Phase 3: Equipment/Loss + Life-Burial + Road-Side; Phase 4: Cyber-Skimming + Guild-Internal-Mutual-Aid; Factory respects staging and rejects out-of-phase launches.
+- **REQ-066** Pier selection — Guild Council chooses, reversible, Pier Selection Index — Guild Council chooses Pier at formation; reversible by Cover Pool supermajority + Counsel witness; mesh maintains Pier Selection Index; Pier-Routed Legal Wrapper OPTIONAL (§5 default-no-wrapper).
+
+### Milestone Type
+Feature (REQ-046..REQ-066 are feat-class primitives + test adjuncts for the firewall). Phase 0 → `v0.6.0`; execution phases `v0.6.1..v0.6.5`; final phase patch `v0.6.6` IS the v0.7 milestone release. No separate minor tag. The final-phase audit enforces the feature purity gate (no breaking schema changes; G-003 production firewall intact; G-006 go.mod unchanged — `x/cover` keeper uses existing cosmos-sdk runtime substrate).
+
+### Out of Scope (v0.7)
+- Real blockchain interaction / mainnet / IBC / real bearer transports (D-020 continues; runtime = simtest-grade keeper handlers)
+- A real `oyd` daemon / `app.go` / `cmd/oyd` (no chain runtime exists; deferred to v0.8+)
+- Sovereign Anchor SPEC (`oy-sovereign-anchors` forthcoming; experimental, not load-bearing per §5/D-076)
+- USZ classification runtime (v0.8 — depends on Anchor pre-commitment framework, REQ-095)
+- Cluster A–E + Infrastructure Economics (REQ-067..REQ-097, all v0.8 per D-081)
+- Pier-Routed Legal Wrapper (OPTIONAL per §5; default-no-wrapper; not implemented as code)
+- Authentication / sessions / real key management (mock; deferred to v0.8+)
+- Persistence (mock store; deferred to v0.8+)
+- The 5 P1+ mainnet-readiness items deferred from v0.5 (governance spam deposit, CLOB batch auction, real IBC simtest, CLOB perf, emitMatchEventHook) — those are v0.8+ mainnet-readiness
+- SignalKind 4→5 expansion (deferred to v0.8+ governance vote)
+
+### Prior Milestones
+- v0.1 — OpenYield Foundation Init (COMPLETE; pre-MVP foundation skeleton; released as v0.0.9)
+- v0.2 — The Mesh (COMPLETE; skeleton + tests; released as v0.1.5)
+- v0.3 — Bearers & Documentation (COMPLETE; feature; released as v0.2.6)
+- v0.4 — Refinement (COMPLETE; NFR; released as v0.3.4)
+- v0.5 — Bearers Runtime (COMPLETE; feature; released as v0.4.8)
+- v0.6 — Nomad Web UI (COMPLETE; feature; released as v0.5.6)
+
+## Prior Milestone
+v0.6 — Nomad Web UI (complete; feature type; tags ran on the v0.5.x patch line)
+
+### v0.6 Scope (Nomad Web UI MVP — generated test data, no real chain)
+
+v0.6 is the project's first UI milestone. It delivers a working prototype Web
+UI where a person can sign up to be a Nomad (create a Reach + open a Stash)
+and exercise basic functionality around the (Reach, Stash) components, plus
+Window authorization, Standing progress, and Bloom accrual views. All data is
+generated as test fixtures — there is no real blockchain interaction, no live
+chain launch, no real bearer transports (D-020 continues to govern network
+deployment). The UI is a greenfield Go `html/template` + HTMX layer served by
+a Go mock HTTP server that instantiates the real `x/*/types` structs (Reach,
+Stash, Window, FreeholderSignals, BloomRecord) populated from in-memory
+fixtures. No keeper, no Cosmos runtime, no `app.go` (none exists in the repo).
+
+This milestone is the prerequisite for real-world MVP testing: it makes the
+Nomad path visible and exercisable in a browser. Wiring the UI to a real `oyd`
+daemon (once one exists) is deferred to v0.7+ (no `app.go`, `cmd/`, or `main.go`
+exists in the repo today).
+
+- **REQ-040** Nomad Reach signup Web UI — Go HTTP mock server (`web/`) + "Create a Reach" form + Reach list/detail; grounds the UI in `x/identity/types.Reach`. "Sign up" maps to "Create a Reach" (the word "account" is banned per REQ-012).
+- **REQ-041** Stash dashboard Web UI — balance in Grain + Bread-scale conversion (using `x/bread/types.BreadScaleAll()`) + 90-day maturity progress bar (`x/stash/types.StashActivity.IsMature`).
+- **REQ-042** Window authorization Web UI — form to open a Window (scope + duration + rate-limit), lifecycle view (Open→Active→Revoked/Expired via `x/window/types.Window.Activate/Revoke/Expire`), audit log.
+- **REQ-043** Standing + Freeholder signals progress Web UI — computed from mock `Rating`/`Vouch`/`Slash` records using the locked constants + `GetStandingBucket`/`ComputeDiversityBonus`/`GetVoucherWeight`; 4-signal progress (`FreeholderSignals.IsFreeholderEligible`).
+- **REQ-044** Bloom accrual Web UI — per-Stash `BloomRecord` view (`AccruedGrain`, `RateBasisPoints`), computed from mock data; shows the 4.5% target rate.
+- **REQ-045** Extend REQ-012 lexicon firewall to scan `web/templates/**` + `web/static/**` (new `lexicon_meta_web_test.go`). Firewall-first: lands in P1 before content.
+
+### Milestone Type
+Feature (all execution phases are `feat` except REQ-045 which is `test`). Phase 0 → `v0.5.0`; execution phases `v0.5.1..v0.5.5`; final phase patch `v0.5.6` IS the v0.6 milestone release. No separate minor tag. The final-phase audit enforces the feature purity gate (no breaking schema changes; G-003 production firewall intact; G-006 go.mod unchanged unless a runtime dep is GRILL-approved — HTMX is a vendored static asset, not a Go dep).
+
+### Out of Scope (v0.6)
+- Real blockchain interaction / mainnet / IBC / real bearer transports (D-020 continues)
+- A real `oyd` daemon / `app.go` / `cmd/oyd` (no chain runtime exists; deferred to v0.7+)
+- Real Anchors onboarding / Hub API B2B / real custody (simtest/mock only)
+- Authentication / sessions / real key management (mock; a Reach is created by form submission, stored in-memory)
+- Persistence (mock store is in-memory; resets on restart)
+- i18n / multi-language UI
+- Real Standing oracle / real Bloom accrual engine (computed from fixtures using locked constants)
+- The 5 P1+ mainnet-readiness items deferred from v0.5 (governance spam deposit, CLOB front-running, real IBC simtest, CLOB perf, emitMatchEventHook testability) — those are v0.7+ mainnet-readiness, not UI work
+
+### Prior Milestones
+- v0.1 — OpenYield Foundation Init (COMPLETE; pre-MVP foundation skeleton; released as v0.0.9)
+- v0.2 — The Mesh (COMPLETE; skeleton + tests; released as v0.1.5)
+- v0.3 — Bearers & Documentation (COMPLETE; feature; released as v0.2.6)
+- v0.4 — Refinement (COMPLETE; NFR; released as v0.3.4)
+- v0.5 — Bearers Runtime (COMPLETE; feature; released as v0.4.8)
+
+### v0.6 Scope (Nomad Web UI MVP — generated test data, no real chain)
+
+v0.6 is the project's first UI milestone. It delivers a working prototype Web
+UI where a person can sign up to be a Nomad (create a Reach + open a Stash)
+and exercise basic functionality around the (Reach, Stash) components, plus
+Window authorization, Standing progress, and Bloom accrual views. All data is
+generated as test fixtures — there is no real blockchain interaction, no live
+chain launch, no real bearer transports (D-020 continues to govern network
+deployment). The UI is a greenfield Go `html/template` + HTMX layer served by a
+Go mock HTTP server that instantiates the real `x/*/types` structs (Reach,
+Stash, Window, FreeholderSignals, BloomRecord) populated from in-memory
+fixtures. No keeper, no Cosmos runtime, no `app.go` (none exists in the repo).
+
+This milestone is the prerequisite for real-world MVP testing: it makes the
+Nomad path visible and exercisable in a browser. Wiring the UI to a real `oyd`
+daemon (once one exists) is deferred to v0.7+ (no `app.go`, `cmd/`, or `main.go`
+exists in the repo today).
+
+- **REQ-040** Nomad Reach signup Web UI — Go HTTP mock server (`web/`) + "Create a Reach" form + Reach list/detail; grounds the UI in `x/identity/types.Reach`. "Sign up" maps to "Create a Reach" (the word "account" is banned per REQ-012).
+- **REQ-041** Stash dashboard Web UI — balance in Grain + Bread-scale conversion (using `x/bread/types.BreadScaleAll()`) + 90-day maturity progress bar (`x/stash/types.StashActivity.IsMature`).
+- **REQ-042** Window authorization Web UI — form to open a Window (scope + duration + rate-limit), lifecycle view (Open→Active→Revoked/Expired via `x/window/types.Window.Activate/Revoke/Expire`), audit log.
+- **REQ-043** Standing + Freeholder signals progress Web UI — computed from mock `Rating`/`Vouch`/`Slash` records using the locked constants + `GetStandingBucket`/`ComputeDiversityBonus`/`GetVoucherWeight`; 4-signal progress (`FreeholderSignals.IsFreeholderEligible`).
+- **REQ-044** Bloom accrual Web UI — per-Stash `BloomRecord` view (`AccruedGrain`, `RateBasisPoints`), computed from mock data; shows the 4.5% target rate.
+- **REQ-045** Extend REQ-012 lexicon firewall to scan `web/templates/**` + `web/static/**` (new `lexicon_meta_web_test.go`). Firewall-first: lands in P1 before content.
+
+### Milestone Type
+Feature (all execution phases are `feat` except REQ-045 which is `test`). Phase 0 → `v0.5.0`; execution phases `v0.5.1..v0.5.5`; final phase patch `v0.5.6` IS the v0.6 milestone release. No separate minor tag. The final-phase audit enforces the feature purity gate (no breaking schema changes; G-003 production firewall intact; G-006 go.mod unchanged unless a runtime dep is GRILL-approved — HTMX is a vendored static asset, not a Go dep).
+
+### Out of Scope (v0.6)
+- Real blockchain interaction / mainnet / IBC / real bearer transports (D-020 continues)
+- A real `oyd` daemon / `app.go` / `cmd/oyd` (no chain runtime exists; deferred to v0.7+)
+- Real Anchors onboarding / Hub API B2B / real custody (simtest/mock only)
+- Authentication / sessions / real key management (mock; a Reach is created by form submission, stored in-memory)
+- Persistence (mock store is in-memory; resets on restart)
+- i18n / multi-language UI
+- Real Standing oracle / real Bloom accrual engine (computed from fixtures using locked constants)
+- The 5 P1+ mainnet-readiness items deferred from v0.5 (governance spam deposit, CLOB front-running, real IBC simtest, CLOB perf, emitMatchEventHook testability) — those are v0.7+ mainnet-readiness, not UI work
+
+### Prior Milestones
+- v0.1 — OpenYield Foundation Init (COMPLETE; pre-MVP foundation skeleton; released as v0.0.9)
+- v0.2 — The Mesh (COMPLETE; skeleton + tests; released as v0.1.5)
+- v0.3 — Bearers & Documentation (COMPLETE; feature; released as v0.2.6)
+- v0.4 — Refinement (COMPLETE; NFR; released as v0.3.4)
+- v0.5 — Bearers Runtime (COMPLETE; feature; released as v0.4.8)
+
+## Prior Milestone
+v0.5 — Bearers Runtime (complete; feature type; tags ran on the v0.4.x patch line)
+
+### v0.5 Scope (Live-runtime promotions of the v0.3 Bearers skeletons)
+
+v0.5 promotes the v0.3 Bearers skeletons from type+keeper-stub layers to live
+runtime behavior. This is the first milestone to ship executable behavior
+beyond invariant tests — keepers gain message handlers, transactions, and
+end-to-end flows. Sourced from the v0.3/v0.4 deferred items (D-050,
+PROJECT.md v0.4 out-of-scope, ROADMAP Phase 3 "The Bearers" runtime subset).
+
+The skeleton-first pattern (D-020) continues to govern NEW components, but
+v0.3-era modules (`x/exit`, `x/bridge`, `x/bearers`, `x/partner`, `x/hub`,
+`x/services`, `x/bond`) gain runtime implementations this milestone. No live
+chain launch (D-020 continues to apply to network deployment); runtime here
+means keeper message handlers + simtest-grade end-to-end flows, not mainnet.
+
+- **REQ-033** Exit layer runtime — `x/exit` DEX swap routing + bridge message handlers; `x/bridge` L2↔L1 IBC packet handlers. Promotes REQ-010 from skeleton → runtime. Live DEX/IBC channels still deferred.
+- **REQ-034** Bearers transport runtime — OY-SAT + OY-QR bearer transport message handlers in `x/bearers` (extends REQ-019). Hardware integration deferred; runtime = message-handling + session lifecycle in simtest.
+- **REQ-035** Anchors onboarding runtime — `x/partner` Anchor tier credential issuance + revocation handlers (extends REQ-018). Real institutional onboarding deferred; runtime = credential lifecycle in simtest.
+- **REQ-036** Hub API B2B runtime — `x/hub` custody, lending primitive, compliance message handlers. Real B2B suite deferred; runtime = keeper handlers + simtest.
+- **REQ-037** Services runtime — `x/services` Care / SIM / Vault / Mail service lifecycle handlers. Live service integrations deferred; runtime = lifecycle handlers + simtest.
+- **REQ-038** Bond market depth runtime — `x/bond` Growth Bonds + secondary-market matching handlers (extends REQ-021). Live market depth deferred; runtime = matching engine + simtest.
+- **REQ-039** Council governance runtime — `x/council` Proposal/VoteOption enum types (AUDIT §193 P1-1, deferred from v0.4) + Voice lifecycle handlers. Mission Lock const firewall intact (G-003); runtime = governance message handlers + simtest.
+
+### Milestone Type
+Feature (all execution phases are `feat`). Phase 0 → `v0.4.0`; execution phases `v0.4.1..v0.4.N`; final phase patch `v0.4.(N+1)` IS the v0.5 milestone release. No separate minor tag. The final-phase audit enforces the feature purity gate (no breaking schema changes; locked-const firewall intact).
+
+### Out of Scope (v0.5)
+- Live chain launch / mainnet / real IBC channels / real bearer transports (D-020 pattern continues; runtime = simtest-grade message handlers)
+- Real institutional Anchors onboarding (credential lifecycle in simtest only)
+- Yield Token, Travel + 11 service categories (ROADMAP Phase 4 — Maturity)
+- i18n / MkDocs internationalization
+- Cover Pool seniority mechanics (still deferred per PROJECT.md Q7)
+- Breaking schema changes / locked-const amendments (Mission Lock non-amendable)
+- SignalKind 4→5 enum expansion (AUDIT §193 P1-2; defensible per current rationale, deferred to v0.6+ governance vote)
+
+### Prior Milestones
+- v0.1 — OpenYield Foundation Init (COMPLETE; pre-MVP foundation skeleton; released as v0.0.9)
+- v0.2 — The Mesh (COMPLETE; skeleton + tests; released as v0.1.5)
+- v0.3 — Bearers & Documentation (COMPLETE; feature; released as v0.2.6)
+- v0.4 — Refinement (COMPLETE; NFR; released as v0.3.4)
+
+## Prior Milestone
+v0.4 — Refinement (complete; NFR type; tags ran on the v0.3.x patch line)
+
+### v0.4 Scope (Refinement-only NFR — v0.3 post-hoc forward-references)
+
+v0.4 is a refinement-only NFR milestone: zero `feat:` phases. It lands the
+durability fixes v0.3 flagged but did not block on, sourced from REVIEW.md,
+AUDIT.md §193, and GRILL.md G-014. Live-runtime promotions of the v0.3 Bearers
+skeletons are out of scope (deferred to v0.5+).
+
+- **REQ-029** Lexicon firewall shared helper (`lexicon.SyntheticBannedStrings()`) — dedupe the synthetic self-test table between `lexicon_meta_test.go` and `lexicon_meta_docs_test.go`. Both meta-tests derive count + strings from the single `lexicon` package source, so a future banned-term addition updates both firewalls from one place. (GRILL G-014)
+- **REQ-030** Cross-package const-equality test — `x/hub.LendingCouponCapBps == x/bond.CouponCapBps` (and Floor). Test-only import (G-003 exempt). Catches silent mission-lock drift between hub LOCAL consts and bond D-028 consts. (REVIEW.md P2 / A-304)
+- **REQ-031** x/* lifecycle type shape-divergence review + alignment fixes — audit non-must-have lifecycle types across modules flagged by AUDIT §193; align where divergent without behavioral change. (AUDIT.md §193)
+- **REQ-032** Docs build CI — Gitea Actions workflow running `go test ./...` (lexicon firewall) + `mkdocs build` on every push; upload `site/` as a CI artifact. Full Gitea Pages publishing deferred if no hosting target configured. (D-046)
+
+### Milestone Type
+NFR (all phases are refactor/test/quality/chore). Phase 0 → `v0.3.0`; execution phases `v0.3.1..v0.3.3`; final phase patch `v0.3.4` IS the milestone release. No separate minor tag. The final-phase audit enforces the NFR purity gate (zero `feat:` commits).
+
+### Out of Scope (v0.4)
+- Live-runtime promotions: Exit/DEX, OY-SAT/OY-QR hardware, Hub API B2B, bond matching, L2 IBC rollout, Anchors onboarding (all `feat:`, deferred to v0.5+)
+- i18n / MkDocs internationalization (`feat:`, rejected by D-001 filter)
+- Yield Token, Travel + 11 service categories (ROADMAP Phase 4)
+- Cover Pool seniority mechanics (still deferred per PROJECT.md Q7)
+
+### Prior Milestones
+- v0.1 — OpenYield Foundation Init (COMPLETE; pre-MVP foundation skeleton; released as v0.0.9)
+- v0.2 — The Mesh (COMPLETE; skeleton + tests; released as v0.1.5)
+- v0.3 — Bearers & Documentation (COMPLETE; feature; released as v0.2.6)
+
+### v0.3 Scope (Bearers skeleton + Docs site — ROADMAP Phase 3 partial, plus a docs deliverable)
+
+This milestone bundles two parallel work-streams under one feature milestone:
+
+**(A) Bearers skeleton (D-020 pattern continued)** — implements the v0.1 PROJECT.md
+out-of-scope items now promoted to v0.3 (ROADMAP Phase 3 "The Bearers" subset),
+as skeleton + tests (Go types + keeper stubs + invariant tests; no live chain):
+
+- **REQ-010** Exit layer (Layer 3) — DEX swaps, bridges, off-mesh services (§7). Promoted from Skeleton to a fuller skeleton: `x/exit` (exit-route types) + `x/bridge` (L2↔L1 bridge types). Live runtime deferred to v0.4.
+- **Bearers expansion** — OY-SAT (satellite) + OY-QR bearer transport types, extending `x/bearers` (D-029 pattern). Hardware integration deferred.
+- **Anchors** — first institutional Partner tier (`x/partner` extension: Anchor credential types). REQ-018 promoted from Skeleton → fuller skeleton.
+- **Hub API** — B2B backbone: custody, lending primitive, compliance types (`x/hub`). Full B2B suite deferred to v0.4.
+- **Services** — Care / SIM / Vault / Mail service types (`x/services`). Live services deferred.
+- **Bond market depth** — Growth Bonds + secondary-market types, extending `x/bond` (REQ-021 promoted from Skeleton → fuller skeleton). Full market depth deferred.
+
+**(B) Documentation deliverable** — README.md + docs site in `docs/` for nomads and freeholders:
+
+- Repo-root `README.md` (lexicon-clean project overview).
+- MkDocs Material site (`mkdocs.yml` + `docs/`), organized by audience:
+  - `docs/nomads/` — Reach path, Stash, bearers, Maps/Pay, six Pacts, standing basics.
+  - `docs/freeholders/` — Four Freeholder signals, Bayesian Standing, Stands/Guilds, Councils/Voice, Bonds, Partner spectrum.
+  - `docs/shared/` — Six Principles, Bread Scale, Storage pools, Watchers/Mirror, Lexicon glossary, Vision overview.
+  - `docs/reference/` — architecture index, component map.
+- **REQ-012 firewall extension** — extend the lexicon meta-test to scan `README.md` + `docs/**/*.md` (new sibling `lexicon_meta_docs_test.go`), so the docs site is durably lexicon-clean. This is a `feat/test` phase.
+
+### Milestone Type
+Feature (Bearers phases are feat; docs phases are docs/test). Phase 0 → `v0.2.0`; execution phases `v0.2.1..v0.2.5`; final phase patch `v0.2.6` IS the milestone release. No separate minor tag.
+
+### Out of Scope (v0.3)
+- Live chain launch / real IBC channels / real bearer transports (D-020 pattern continues)
+- DEX integration runtime, full Hub API B2B suite runtime (types only in v0.3)
+- Yield Token, Travel + 11 service categories (ROADMAP Phase 4)
+- i18n / versioning in MkDocs (single-language v0.3)
+- Cover Pool seniority mechanics (still deferred per PROJECT.md Q7)
+
+### Prior Milestones
+- v0.1 — OpenYield Foundation Init (COMPLETE; pre-MVP foundation skeleton; released as v0.0.9)
+- v0.2 — The Mesh (COMPLETE; skeleton + tests; released as v0.1.5)
+
+## Clarification Decisions (Phase 0 — CLARIFY, autonomy=full)
+
+Auto-decided defaults logged per clarify workflow Step 4 (full autonomy → accept defaults, log decisions).
+
+| ID | Decision | Rationale | Confidence | Alternatives |
+|----|----------|-----------|------------|--------------|
+| D-020 | v0.2 ships a **skeleton + tests** layer (Go types + keeper stubs + unit tests) for each Mesh-era component, matching v0.1's pre-MVP approach; no live chain launch in v0.2 | v0.1 established the skeleton-first pattern; ROADMAP "Year 2" targets are aspirational, not v0.2 deliverables. Consistency with v0.1 reduces risk. | 0.85 | [full Go implementations, live Cosmos chain launch] |
+| D-021 | **REQ-009 L2 satellites**: skeleton = IBC light-client + transfer-channel types for ONE L2 (Polygon) as representative; remaining 4 chains stubbed as enum placeholders | Full 5-chain IBC rollout is Phase 3 scope; v0.2 proves the pattern with one chain. | 0.80 | [all 5 chains in v0.2, defer all L2 to v0.3] |
+| D-022 | **REQ-011 Three Councils**: skeleton = 3 module stubs (mesh/guild/stand council keeper + Voice tally types), Mission Lock enforced as a const; no live governance in v0.2 | Governance activation needs Holders (Year 2 target); v0.2 lands the typed scaffold + Mission Lock invariant tests. | 0.82 | [full governance runtime, defer to v0.4] |
+| D-023 | **REQ-015 Window**: full primitive — scope/duration/rate-limit/audit-log/revoke types + keeper + lifecycle tests. This is a leaf component with no upstream blocker, so it can be more complete. | Window is self-contained and required by Pacts/Orgs/Partners; a fuller implementation unblocks v0.3. | 0.75 | [skeleton-only Window] |
+| D-024 | **REQ-016 Nine Stands**: enum (9 named types) + Stand keeper + membership-set types; no Stand-internal economics in v0.2 | Stand economics (revenue distribution, bonding) is Phase 3+. | 0.80 | [full Stand economics] |
+| D-025 | **REQ-017 Guilds**: Guild keeper + Hand-Pass type at 0% protocol fee (locked const) + issuance tests; no Guild-internal task queue | Guild task management is operational, not protocol-level. | 0.78 | [full Guild ops runtime] |
+| D-026 | **REQ-018 Partner Spectrum**: 4-tier enum (Op/MasterOp/Pier/Anchor) + Partner registry keeper + credential-ref types; Pier credential routing (e-Residency, biometrics) deferred per PROJECT.md out-of-scope Q5 | Credential routing was explicitly deferred in v0.1 PROJECT.md. | 0.85 | [include credential routing now] |
+| D-027 | **REQ-020 Six Pacts**: **one `x/pact` module** with a `PactType` enum (Pause/Ground/Stance/Cover/Stand-Registry/Hub-API) + six per-type execute-entry structs (per A-207), NOT six micro-modules. Each execute-entry has invariant tests; Cover Pool seniority deferred per Q7 | Cover Pool seniority is explicitly out-of-scope (PROJECT.md Q7); one module with enum satisfies "separate execute entries" without 6 dirs | 0.80 | [full Cover Pool mechanics, six separate modules] |
+| D-028 | **REQ-021 Mesh Bonds**: Bond market keeper + 8% cap / 0% floor consts + issuance tests; full secondary-market depth deferred to Phase 3 | ROADMAP Phase 2 says "First Mesh Bonds" — first issuance, not full market. | 0.82 | [full bond market in v0.2] |
+| D-029 | **Bearers OY-LR + Beacon v1**: skeleton bearer-interface types + OY-LR (long-range) + Beacon transport stubs; no hardware integration | Hardware/RF integration is not a v0.2 software deliverable. | 0.85 | [real bearer runtime, defer all bearers] |
+| D-030 | **Forex Engine v1**: Forex pair type + rate-oracle interface + stub keeper; no live oracle integration | Live oracle integration depends on external partners (Piers), Phase 3. | 0.80 | [live oracle integration] |
+| D-031 | **Phase ordering** follows ARCHITECTURE.md blocker chain: P1 Orgs+Window foundation → P2 Pacts+Partners → P3 Councils+Forex → P4 Bonds+Bearers+L2. The final phase (P5) is review/ship. | Respects dependency graph; vertical slices keep each phase independently shippable. | 0.80 | [different wave ordering] |
+| D-032 | **Lexicon** enforced project-wide; all new modules must pass the lexicon assertion test (no banned terms). Non-negotiable. **Note (G-002)**: lexicon assertion tests are NEW in v0.2 — v0.1 is lexicon-clean in practice but has NO lexicon test firewall. v0.2 introduces the firewall (scaffolded in P1 per G-004, extended in P5). | REQ-012 is `All` phases. | 1.00 | [—] |
+| D-033 | **Test coverage target**: ≥80% on new keeper/type packages. v0.1 baseline = **53 tests across 11 test files** (corrected per G-001; not 48). Add lexicon assertion to each new module's test file. | Consistency with v0.1 quality bar (53 tests verified); lexicon drift is the highest-severity regression. | 0.85 | [lower coverage bar] |
+
+### v0.3 Clarification Decisions (Phase 0 — CLARIFY, autonomy=full)
+
+Auto-decided defaults logged per clarify workflow Step 4 (full autonomy → accept defaults, log decisions).
+
+| ID | Decision | Rationale | Confidence | Alternatives |
+|----|----------|-----------|------------|--------------|
+| D-034 | **v0.3 milestone bundles Bearers skeleton (D-020 pattern) + docs deliverable** under one feature milestone, rather than two separate NFR+feature milestones. Bearers phases are `feat`; docs phases are `docs`/`test`. Tags run on `v0.2.x`. | User request (--ideate) is docs-only but ROADMAP Phase 3 (Bearers) is the next queued feature work; bundling keeps the milestone cadence and avoids an NFR-only milestone that would not advance the protocol. Feature type because Bearers phases are feat. | 0.82 | [separate v0.3 docs NFR + v0.4 Bearers feature; or docs as patches on v0.2 line] |
+| D-035 | **Bearers skeleton continues the D-020 skeleton+tests pattern** (Go types + keeper stubs + invariant tests; no live chain, no real IBC channels, no real bearer transports). Live runtime for any Bearers component deferred to v0.4+. | v0.1/v0.2 both shipped skeleton-first; v0.3 stays consistent. Live runtime needs Watchers + Root Basket backing (Year 3 target). | 0.85 | [fuller keeper implementations in v0.3] |
+| D-036 | **REQ-010 Exit layer**: skeleton = `x/exit` (ExitRoute, DEXSwap types) + `x/bridge` (L2↔L1 bridge types, BridgeStatus enum). No live DEX integration. REQ-010 promoted from v0.1 Skeleton → v0.3 fuller skeleton (two packages instead of one). | Exit runtime needs Anchor partners + L2 bridges; v0.3 lands the typed shape. | 0.80 | [single x/exit package, defer all exit to v0.4] |
+| D-037 | **REQ-022 Bearers OY-SAT + OY-QR**: extend `x/bearers/types` with `OYSAT` + `OYQR` bearer transport types (BearerTransport interface already in v0.2). No hardware/RF runtime. D-029 pattern continued. | Hardware integration is not a software deliverable; v0.3 completes the 6-bearer type set (v0.2 had 4: Internet/OY-BLE/OY-WiFi-Direct + OY-LR/Beacon). | 0.82 | [real bearer runtime, defer OY-SAT/OY-QR to v0.4] |
+| D-038 | **REQ-023 Anchors**: extend `x/partner/types` with `Anchor` tier credential types (REQ-018 had the 4-tier enum; v0.3 adds Anchor-specific credential fields). No live institutional onboarding. | Anchors need Watchers + Hub API backing; v0.3 lands the credential shape. | 0.78 | [separate x/anchor module, defer Anchors to v0.4] |
+| D-039 | **REQ-024 Hub API**: new `x/hub` module — custody, lending-primitive, compliance type stubs (HubService enum + per-service structs). No live B2B runtime. Full Hub API B2B suite deferred to v0.4. | Hub API needs Anchors + Watchers; v0.3 lands the typed scaffold. | 0.80 | [full Hub API runtime in v0.3] |
+| D-040 | **REQ-025 Services**: new `x/services` module — Care/SIM/Vault/Mail service type stubs (ServiceKind enum + per-service structs). No live services. | Services are operational, not protocol-level; v0.3 lands the typed shape. | 0.78 | [full services runtime in v0.3] |
+| D-041 | **REQ-026 Bond market depth**: extend `x/bond/types` with GrowthBond type + secondary-market order types. 8% cap / 0% floor consts (D-028) unchanged. Full secondary-market matching deferred to v0.4. | v0.2 shipped first issuance; v0.3 adds depth types without a live matching engine. | 0.80 | [full bond market in v0.3] |
+| D-042 | **Docs deliverable (REQ-027)**: repo-root `README.md` + MkDocs Material site (`mkdocs.yml` + `docs/`). `mkdocs.yml` at repo root; `docs/` organized by audience: `docs/nomads/`, `docs/freeholders/`, `docs/shared/`, `docs/reference/`. Build-only Python dep (mkdocs + material); `go.mod` stays zero-dep. | User chose MkDocs Material + audience organization. MkDocs is Markdown-native, lightest toolchain; build-only dep does not affect Go modules (G-006). | 0.85 | [Hugo, Docusaurus, plain Markdown no generator] |
+| D-043 | **REQ-028 lexicon firewall extension**: new sibling test `lexicon_meta_docs_test.go` (package `lexicon_meta_docs`) scanning `README.md` + `docs/**/*.md` for the 10 banned terms, using the same `lexicon.FindBannedTerm` + word-boundary regex. Self-exclusion + fragment pattern preserved. `.ciagent/` files are NOT scanned (they are firewall meta-files, not user-facing docs). | REQ-012 is `All` phases and docs are user-facing; the firewall must cover docs to be durable. Extending the existing meta-test (not modifying it) preserves v0.2 coverage. | 0.88 | [single combined meta-test scanning both x/ and docs/] |
+| D-044 | **Phase ordering**: P1 docs foundation + firewall extension → P2 nomads docs → P3 freeholders docs → P4 Bearers skeleton I (exit/bridge/bearers/partner) → P5 Bearers skeleton II (hub/services/bond) → P6 final review/ship. Firewall lands in P1 BEFORE content (P2/P3) so docs are checked as authored. | Firewall-first ensures docs content is lexicon-clean by construction, not by retrofit. Bearers split across P4/P5 keeps each phase independently shippable (vertical slices). | 0.82 | [Bearers first then docs, or all docs in one phase] |
+| D-045 | **Docs depth per audience**: each audience section (nomads, freeholders) gets 5-8 Markdown pages covering its core REQs (nomads: Reach/Stash/bearers/Maps-Pay/Pacts/standing-basics; freeholders: 4 signals/Bayesian Standing/Stands-Guilds/Councils-Voice/Bonds/Partner spectrum). `docs/shared/` gets 5-6 concept pages. `docs/reference/` gets architecture index + component map. Total ~20-25 pages. | Enough depth to be a real docs site, not a placeholder; bounded to keep P1-P3 phases shippable. | 0.80 | [deeper (40+ pages), shallower (10 pages)] |
+| D-046 | **No docs-site publishing CI in v0.3** — `mkdocs.yml` is buildable locally (`mkdocs serve` / `mkdocs build`); CI publishing to GitHub Pages/Gitea Pages is deferred to v0.4. v0.3 ships the source + a build invocation in the README. | Publishing CI needs deployment secrets + a hosting target; v0.3 lands the content. | 0.82 | [include publishing CI in v0.3] |
+
+### Ideation outcome (Phase 0 — IDEATE stage, autonomy=full)
+
+IDEATE stage ratified 8 ideas (IDEATE-01..IDEATE-08) at full autonomy, mapped to REQ-010/REQ-022..REQ-028. Docs deliverable (IDEATE-01/02) is the user's `--ideate` request; Bearers ideas (IDEATE-03..08) are the ROADMAP Phase 3 subset. Three ideation tiers ran (mechanical, backend-enriched, cross-project); mechanical tier found no `lessons:`/`compound:` tags in v0.1/v0.2 history (convention unused) and v0.2 closed clean (9/9 REQs, 303 tests, ≥95.9% coverage). Defaults accepted per full autonomy; traceability recorded in `.ciagent/oy/REQUIREMENTS.md` (IDEATE Traceability section).
+
+### v0.4 Clarification Decisions (Phase 0 — CLARIFY, autonomy=full)
+
+Auto-decided defaults logged per clarify workflow Step 4 (full autonomy → accept defaults, log decisions). v0.4 is a refinement-only NFR milestone (no `--ideate` flag this run; scope pre-seeded from v0.3 forward-references). The D-001 refinement-only filter governs scope eligibility.
+
+| ID | Decision | Rationale | Confidence | Alternatives |
+|----|----------|-----------|------------|--------------|
+| D-047 | **v0.4 milestone type = NFR** (all phases refactor/test/quality/chore). Zero `feat:` phases by construction. Tags run on the `v0.3.x` patch line: P0 → `v0.3.0`, P1..P3 → `v0.3.1..v0.3.3`, final phase P4 → `v0.3.4` (milestone release). No separate minor tag. | The candidate work set (REQ-029..REQ-032) is entirely refactor/test/quality/chore. Promoting any Bearers skeleton to live runtime would be `feat:` and is deferred to v0.5+. | 0.90 | [feature milestone promoting v0.3 skeletons to live runtime] |
+| D-048 | **REQ-029 lexicon shared helper**: add `lexicon.SyntheticBannedStrings() []string` to the `lexicon` package; both `lexicon_meta_test.go` and `lexicon_meta_docs_test.go` consume it instead of duplicating their own synthetic self-test tables. Both already assert `len(terms) == 10` from `lexicon.BannedTerms()` (G-014 minimum met); the helper closes the drift risk fully. | GRILL G-014 binding fix. Single source of truth for synthetic banned strings; a future banned-term addition updates both firewalls from one place. Refactor+test (NFR-eligible). | 0.88 | [cross-reference comment only (G-014 minimum)] |
+| D-049 | **REQ-030 cross-package const-equality test**: new test file `x/hub/types/cross_const_test.go` (package `types`) that imports `x/bond/types` (test-only, G-003 exempt) and asserts `hub.LendingCouponCapBps == bond.CouponCapBps` and `hub.LendingCouponFloorBps == bond.CouponFloorBps`. Test-only import does not violate G-003 (production-import firewall). | REVIEW.md P2 / A-304. Catches silent mission-lock drift between hub LOCAL consts and bond D-028 consts. Test (NFR-eligible). | 0.85 | [document manual-sync requirement in ARCHITECTURE.md only] |
+| D-050 | **REQ-031 lifecycle type shape-divergence review scope = DOCUMENT only, no code shape changes**. AUDIT §193 P1-1 (council Proposal/VoteOption absent) and P1-2 (SignalKind 4 vs 5 sources) are `feat:`-class additions (new enum types / locked-const shape changes) and are REJECTED by the D-001 refinement-only filter. v0.4 REQ-031 ships an ARCHITECTURE.md section documenting the divergence decisions (P1-2 defensible per AUDIT code rationale; P1-1 deferred to v0.5+ governance runtime) + a test asserting the current `SignalKindCount==4` locked-const shape is intentional (regression guard, not a shape change). | Adding Proposal/VoteOption enums is `feat:`; changing SignalKind 4→5 is a locked-const change. Both are out-of-scope for an NFR milestone. Documentation + a regression-guard test are NFR-eligible. | 0.82 | [add Proposal/VoteOption enums (feat:, deferred to v0.5+)] |
+| D-051 | **REQ-032 docs build CI = Gitea Actions workflow** at `.gitea/workflows/docs-build.yml` running `go test ./...` (lexicon firewall) + `mkdocs build` on every push; upload `site/` as a CI artifact. Full Gitea Pages publishing is deferred (no hosting target configured in v0.4). The workflow file itself is a `chore` (config, not feature). | D-046 forward-reference. `.github/workflows/` does not exist; Gitea Actions uses `.gitea/workflows/`. Build+artifact CI is `chore` (NFR-eligible); full Pages publish needs a hosting target (deferred). | 0.80 | [include full Gitea Pages publish (needs hosting target + secrets)] |
+| D-052 | **Phase ordering** (provisional, planner finalizes): P1 lexicon hardening (REQ-029 + REQ-030 — same `lexicon`/test territory, vertical slice) → P2 lifecycle divergence documentation + regression guard (REQ-031) → P3 docs build CI (REQ-032) → P4 final review + audit + milestone ship. Each phase independently shippable; P1 lands the firewall durability fixes first (highest-severity regression risk). | P1 bundles the two lexicon/const firewall fixes (same territory); P2 is documentation+test; P3 is CI config. Vertical slices. | 0.80 | [different wave ordering] |
+| D-053 | **No IDEATE stage in v0.4** (no `--ideate` flag this run). The NFR scope was pre-seeded from v0.3 forward-references and ratified at CLARIFY. If `--ideate` is passed on a later v0.4 run, the D-001 refinement-only filter applies. | run.md §IDEATE is conditional on `--ideate`. This invocation has no `--ideate`. | 1.00 | [run IDEATE anyway] |
+
+## Clarification Decisions (Phase 0 v0.5 — CLARIFY, autonomy=full)
+
+Auto-decided defaults logged per clarify workflow Step 4 (full autonomy → accept defaults, log decisions). No `--ideate` flag this run; v0.5 scope is pre-seeded from PROJECT.md v0.4 out-of-scope + AUDIT §193 P1-1 + D-050 and ratified at CLARIFY.
+
+| ID | Decision | Rationale | Confidence | Alternatives |
+|----|----------|-----------|------------|--------------|
+| D-054 | **"Runtime" = simtest-grade keeper message handlers + end-to-end flows, NOT mainnet.** v0.5 ships executable keeper behavior (MsgServer handlers, keeper Set/Get/Remove, simtest `simtest`-package flows) for the v0.3 Bearers modules. No live chain launch, no real IBC channels, no real bearer transports, no real institutional onboarding (D-020 pattern continues to govern network deployment). | v0.3 skeletons are types + keeper stubs + invariant tests. The next increment is message handlers + simtest, which is the Cosmos-SDK standard pre-mainnet step. Mainnet deployment is a Year-3+ operational concern (Watchers + Root Basket backing required). | 0.88 | [full mainnet launch in v0.5; types-only with no handlers (stalls progress)] |
+| D-055 | **Cosmos SDK dependency is GRILL-approved for v0.5.** `go.mod` gains `github.com/cosmos/cosmos-sdk` (and transitive deps) as the runtime substrate for keeper MsgServer handlers, `types.Msg`, `sdk.Context`, store, and simtest. This is a controlled exception to G-006 (zero-dep go.mod), escalated to GRILL for binding ratification. The exception is scoped to runtime promotion phases (P1..P7); P0 and the final phase remain dep-neutral where possible. | v0.3 skeletons used stub `keeper.go` files that already import cosmos-sdk (see LSP errors on `x/watcher/keeper/keeper.go` — pre-existing imports). Promoting to runtime makes the dependency load-bearing rather than stub-only. G-006's intent (zero-dep for skeleton durability) is preserved by isolating the dep to runtime phases and keeping types/invariants dep-free. | 0.80 | [stay zero-dep, hand-roll keeper store + message types (duplicates SDK, high risk); defer all runtime to v0.6+ (stalls)] |
+| D-056 | **Phase ordering** (provisional, planner finalizes): P1 Exit+Bridge runtime (REQ-033, Layer 3 — outermost edge, fewest internal deps) → P2 Bearers transport runtime (REQ-034, depends on exit for off-mesh routing) → P3 Anchors runtime (REQ-035, depends on partner + bearers) → P4 Hub API runtime (REQ-036, depends on anchors for custody backing) → P5 Services runtime (REQ-037, depends on hub) → P6 Bond market runtime (REQ-038, depends on hub lending primitive) → P7 Council governance runtime (REQ-039, cross-cutting, lands last) → P8 final review + audit + milestone ship. Each phase independently shippable; P1 lands the outermost edge first (lowest internal coupling). | The dependency chain is outer→inner: exit needs nothing internal; bearers routes through exit; anchors ride bearers; hub custody backs anchors; services sit on hub; bond matching uses hub lending; governance is cross-cutting. Vertical slices, each phase shippable. | 0.82 | [governance-first; bond-first; single mega-phase] |
+| D-057 | **Bond matching engine = central-limit order book (CLOB) with the 8% cap / 0% floor consts (D-028) as hard clamp on each match.** No AMM (constant-product or otherwise) in v0.5; AMM is a Year-4 Maturity concern. The CLOB matches Growth Bond bids/offers at the locked coupon cap; secondary-market trades clear at market price but the bond's *coupon* stays within the mission-locked band. REQ-038 ships the matching handler + simtest; live market depth deferred. | CLOB is the standard secondary-market primitive; AMM is for spot/swaps (Exit layer's DEX, deferred). The mission-lock clamp (D-028) is a per-match invariant, not a market-wide cap. CLOB lets the cap be enforced per-match. | 0.80 | [AMM (wrong fit for coupon-bearing bonds); batch auction (deferred to Maturity)] |
+| D-058 | **Hub custody model = key-share abstraction (MPC-via-interface, not a concrete HSM/MPC vendor).** `x/hub` custody handlers expose a `CustodyKeyring` interface with `Sign`/`Derive` methods; v0.5 ships an in-memory test-only implementation. Real MPC/HSM backing is deferred (operational, Year 3+). This keeps v0.5 dep-neutral w.r.t. custody vendors while landing the handler surface. | Custody key management is operational, not protocol-level. An interface + test impl lets runtime handlers be exercised in simtest without committing to a vendor. GRILL reviews the interface boundary. | 0.78 | [commit to a specific MPC vendor (premature); hand-roll shamir (out of scope)] |
+| D-059 | **IBC packet scope = the 5 L2 chains already in the v0.2 skeleton** (Polygon, Base, Arbitrum, Optimism, Solana per REQ-009/`x/satellite`). v0.5 `x/bridge` handlers implement IBC packet recv/ack for these 5 chains' `BridgeStatus` transitions. No new L2 chains in v0.5. Solana IBC uses the wormhole-style bridge adapter (already stubbed in `x/bridge` per D-021). | The 5 L2 chains are the locked-const set (REQ-009). Adding new chains is a Year-4 concern. Solana IBC was a v0.1 deferred item (D-021) now promoted. | 0.82 | [add 3+ new L2 chains (Year 4); defer Solana IBC again (stalls)] |
+| D-060 | **Council governance shape (AUDIT §193 P1-1)**: add `Proposal` and `VoteOption` enum types to `x/council/types` (currently absent per AUDIT). `ProposalKind` enum = {Stand, Guild, Mesh, MissionLockAmendment-Rejected} (Mission Lock non-amendable → the enum value exists but the handler rejects it; documents the non-amendability in code). `VoteOption` enum = {Yes, No, Abstain, Veto} (Veto = Watcher-only, quorum rule). SignalKind stays at 4 sources (P1-2 defensible per AUDIT; expansion deferred to v0.6+ governance vote). Mission Lock const firewall (G-003) intact. | AUDIT P1-1 flagged the absence as a divergence. Adding the enums is `feat:` (deferred from v0.4 by D-001). P1-2 (SignalKind 4→5) is a locked-const change rejected by the audit rationale, so it stays at 4. | 0.82 | [add SignalKind 5th source (locked-const change, rejected); defer Proposal/VoteOption again (stalls)] |
+| D-061 | **No IDEATE stage in v0.5** (no `--ideate` flag this run). The feature scope was pre-seeded from PROJECT.md v0.4 out-of-scope + AUDIT §193 P1-1 + D-050 and ratified at CLARIFY. The D-001 refinement-only filter does NOT apply (v0.5 is a feature milestone, not NFR). | run.md §IDEATE is conditional on `--ideate`. This invocation has no `--ideate`. | 1.00 | [run IDEATE anyway] |
+
+## Clarification Decisions (Phase 0 v0.6 — CLARIFY, autonomy=full)
+
+Auto-decided defaults logged per clarify workflow Step 4 (full autonomy → accept defaults, log decisions). `--ideate` flag IS present this run; v0.6 is the project's first UI milestone. The D-001 refinement-only filter does NOT apply (v0.6 is a feature milestone). User-validated stack choices recorded via interactive questions: Go `html/template` + HTMX (frontend stack), Go mock API server (mock data layer), all 5 screens (Reach signup, Stash dashboard, Window authorization, Standing + Freeholder signals, Bloom accrual), new top-level `web/` dir (UI code location).
+
+| ID | Decision | Rationale | Confidence | Alternatives |
+|----|----------|-----------|------------|--------------|
+| D-066 | **Frontend stack = Go `html/template` + HTMX.** HTMX is a single vendored JS file served as a static asset — no node toolchain, no `package.json`, no build step. Go `html/template` is stdlib. **G-006 (zero-dep) is preserved** — this is the decisive factor vs. a React/Svelte SPA. Sufficient for Reach/Stash/Window/Standing/Bloom screens (progressive enhancement over server-rendered HTML). Weakest for rich dashboards, but adequate for an MVP prototype. | User-validated. Project has a strong zero-dep ethos (G-006); v0.5 took a controlled G-006 exception for cosmos-sdk only after GRILL ratification. A node toolchain + `package.json` would be a far larger exception for a UI MVP that can be served by stdlib + one vendored JS file. | 0.88 | [React/Vite SPA (adds node toolchain, breaks Go-only convention); SvelteKit (same tradeoff); pure static HTML/CSS/vanilla JS (most fragile)] |
+| D-067 | **Mock data layer = Go HTTP server in `web/` instantiating real `x/*/types` structs.** New top-level `web/` dir holds `main.go`, HTTP handlers, an in-memory mock store seeded from fixtures, and `static/` + `templates/`. The mock store imports `x/identity/types`, `x/stash/types`, `x/window/types`, `x/standing/types`, `x/bread/types`, `x/bloom/types` and populates them with test values. **No keeper, no Cosmos runtime, no `app.go`** (none exists in the repo). This grounds the UI in the actual locked data shapes (Reach, Stash, Window, FreeholderSignals, BloomRecord) — the UI does not exercise a chain but does exercise the real Go type definitions. | User-validated. The four modules the Nomad UI primarily surfaces (identity, stash, window, standing) are types-only skeletons with no keeper/MsgServer. A Go mock server reuses the type definitions as the source of truth, so the UI is grounded in the locked constants (GrainsPerBread=10000, MaturityThresholdDays=90, standing formula) rather than mirroring them in TS/JSON. | 0.85 | [frontend-only TS/JSON fixtures (UI would not exercise any Go code path); Go mock API + in-memory keepers (more code, premature)] |
+| D-068 | **UI code location = new top-level `web/` dir.** Clean separation from `x/` protocol modules; does not touch the `go.mod` module path; does not pretend to be a Cosmos module. `web/` contains `main.go` (or `cmd/oyd-ui/main.go`), handlers, mock store, fixtures, `static/`, `templates/`. | User-validated. The Mesh Experience component is ROADMAP Phase 2, not a v0.6 deliverable; coupling the UI to Cosmos module conventions (a new `x/meshexperience`) is premature. A top-level `web/` dir matches the project's existing convention of non-`x/` top-level dirs (`docs/`, `lexicon/`, `lexicon_meta_docs/`). | 0.90 | [new `x/meshexperience` Cosmos module (couples UI to Cosmos conventions prematurely); `cmd/oyd-ui` + `web/` split (more files, clearer build)] |
+| D-069 | **Lexicon firewall extension to `web/`.** REQ-012 currently scans `x/` + `docs/`. A new sibling meta-test `lexicon_meta_web_test.go` (package `lexicon_meta_web`) scans `web/templates/**/*.html` + `web/static/**/*.js` for the 10 banned terms, using the same `lexicon.FindBannedTerm` + word-boundary regex. Self-exclusion + fragment pattern preserved. **"Sign up" maps to "Create a Reach"** — the word "account" is banned (REQ-012). Firewall-first: lands in P1 before content (P2..P5) so UI strings are lexicon-clean by construction. | REQ-012 is `All` phases and UI strings are user-facing; the firewall must cover the UI to be durable. Extending the existing meta-test pattern (not modifying it) preserves v0.2/v0.3 coverage. Firewall-first (D-044 pattern) ensures UI content is lexicon-clean by construction, not by retrofit. | 0.88 | [skip (REQ-012 is All phases); single combined meta-test scanning x/ + docs/ + web/ (loses isolation)] |
+| D-070 | **G-003 firewall scope: `web/` importing `x/*/types` is app-layer consumption, not a cross-`x/` production import.** G-003 (production import firewall) prohibits production struct imports across `x/<module>/types` packages. `web/` is not an `x/` module — it is the application layer that consumes protocol types, exactly as a future `cmd/oyd` would. The G-003 firewall stays intact: no `x/` module gains a production import of another `x/` module's types via `web/`. GRILL reviews this boundary. | G-003's intent is to prevent cross-module coupling inside the protocol layer. The application layer consuming types is the intended consumption direction. `web/` importing `x/identity/types` is no different from `cmd/oyd` importing it (when one exists). | 0.85 | [treat `web/` as an `x/` module (wrong — it is not protocol); forbid `web/` from importing `x/*/types` (would force TS/JSON fixtures, losing the grounding in locked constants)] |
+| D-071 | **"Sign up" = create a Reach + open a Stash atomically.** The Nomad entry path per `docs/nomads/reach.md` is "a Nomad starts with a Reach and a Stash". The signup form creates both atomically: a `Reach` with `IsNomad=true` + a `Stash` with `HolderID` matching the Reach's `HolderID` and `BalanceGrain` seeded to a test value (e.g., 500,000 Grain = 50 Bread). No KYC, no custodian (REQ-001 self-service principle). The UI labels this "Create a Reach" (lexicon-clean; "account" is banned). | The docs define the Nomad starting state as Reach + Stash. Creating only a Reach would leave the Nomad unable to view a Stash dashboard (P2) — the atomic creation matches the docs and makes the happy path contiguous. | 0.82 | [create Reach only, defer Stash creation to a separate flow (fractures the happy path); create Reach + Stash + Window all at signup (over-scope for an MVP)] |
+| D-072 | **Phase ordering** (provisional, planner finalizes): P1 Web foundation + Reach signup + lexicon firewall extension (REQ-040 + REQ-045 — same `web/` territory, vertical slice, firewall-first) → P2 Stash dashboard (REQ-041, depends on Reach existing) → P3 Window authorization (REQ-042, depends on Stash existing) → P4 Standing + Freeholder signals (REQ-043, depends on Reach existing) → P5 Bloom accrual (REQ-044, depends on Stash existing) → P6 final review + audit + milestone ship. Each phase independently shippable; P1 lands the foundation + firewall first (lexicon-clean by construction). | P1 bundles the web foundation + Reach signup + the firewall extension (same `web/` territory, vertical slice). P2..P5 each add one screen, ordered by the Nomad happy path (Reach → Stash → Window → Standing → Bloom). Vertical slices, each phase shippable. | 0.82 | [different wave ordering; bundle Stash + Window in one phase] |
+| D-073 | **Bread-scale source of truth = `x/bread/types` code constants, NOT `docs/shared/bread-scale.md`.** The code constants (`GrainsPerBread=10000`, `BreadScaleAll()` table) are the locked, tested values; the docs table is aspirational/outdated (states 1,000× ratios that do not match the code). The UI uses the code constants for all Bread-scale conversions. A doc-fix for `docs/shared/bread-scale.md` is flagged as a P1+ follow-up (not a v0.6 deliverable — docs were a v0.3 deliverable; this is a doc-drift fix, not a UI feature). | The code constants are tested (`x/bread/types/types_test.go` asserts them); the docs are not. Using the code as the source of truth keeps the UI consistent with the protocol layer. | 0.90 | [use the docs table (wrong — not tested, disagrees with code); fix the docs in v0.6 (out of scope — doc-drift fix, not a UI feature)] |
+
+## Clarification Decisions (Phase 0 v0.7 — CLARIFY, autonomy=full)
+
+Auto-decided defaults logged per clarify workflow Step 4 (full autonomy → accept defaults, log decisions). No `--ideate` flag this run; v0.7 scope is pre-seeded from oy-spec v3 §7 (Fraternal Groups Foundation, REQ-046..REQ-066) and ratified at CLARIFY. All 8 §8 open questions resolved by accepting PO recommendations as binding (D-074..D-081). The D-001 refinement-only filter does NOT apply (v0.7 is a feature milestone). Three scope-shaping questions were validated interactively with the user before CLARIFY:
+
+1. **v0.7 scope (§7 vs §8 Q4)** — user ruled: §7 only (REQ-046..REQ-066, 21 REQs). Cluster A+B+C are v0.8 (D-081).
+2. **Accept all other PO recommendations** — user ruled: yes, accept all 7 (D-074..D-080) as binding.
+3. **Generate oy-state v2 at P0 start** — user ruled: yes (done at SPECIFY).
+
+| ID | Decision | Rationale | Confidence | Alternatives |
+|----|----------|-----------|------------|--------------|
+| D-074 | **TBD-X = $100k annual Pass volume** for Stand→Pier-customer boundary escalation (REQ-059). When a Stand's annual Pass volume exceeds $100k (10,000,000 Grain-cents at GrainsPerBread=10000), the Stand is invited to the Hub API as a soft upgrade (not a ban). The threshold is a new `x/stand` const `StandPierEscalationAnnualPassVolumeCents=10000000` (not locked — Pool/Council may tune within bounds). | §8 Q1 PO rec accepted at full autonomy. $100k is the natural inflection where a Stand's activity volume resembles a small Pier-customer more than a personal Holder; soft upgrade preserves self-service (Principle 6). | 0.85 | [$50k (too aggressive — flags mature Households); $250k (too lax — delays Hub API onboarding)] |
+| D-075 | **TBD-Z density formula for USZ classification (REQ-095, v0.8)** = `<10 Holders per km² AND strategic value ≥ mission score, OR sovereign request, OR mission-aligned override via Mesh Council supermajority`. The formula is locked now (oy-state §3) but the USZ runtime is v0.8 (depends on Anchor pre-commitment framework). | §8 Q2 PO rec accepted. The 3-criteria OR structure matches the spec's "≥3 criteria" requirement (density + strategic value + mission-aligned override) while allowing sovereign request as a separate path. | 0.80 | [pure density threshold (ignores strategic value); Mesh Council sole arbiter (no objective floor)] |
+| D-076 | **Sovereign Anchors = separate SPEC `oy-sovereign-anchors`**, not folded into `oy-pier`. v0.7 status: experimental, not load-bearing. The `oy-spec` §5 constraint forbids USZ infrastructure financing via Sovereign Anchor partnerships from being load-bearing until the separate SPEC ships. | §8 Q3 PO rec accepted. Sovereign Anchors are infrastructure-scale (reserve entities, banking partners, multi-jurisdiction custody) — a different design surface than the Pier-Routed Legal Wrapper (which is OPTIONAL per §5). Folding them into `oy-pier` would conflate legal-wrapper-scale with infrastructure-scale. | 0.85 | [fold into oy-pier (conflates scales); fold into oy-spec (too large for the net-new-only diff)] |
+| D-077 | **Standing gate enforcement timing = Cover Pool Factory runtime (v0.7/P1)**, not first live Cover Pool deployment. The `CoverStandingGateTrusted=4.0` and `CoverStandingGatePreferred=4.5` consts bind at the `x/cover` Factory layer — every Pool the Factory launches inherits the protocol minimum; Pool Council MAY tighten but the Factory rejects any launch below the floor. | §8 Q5 PO rec accepted. Gates are protocol-layer invariants (REQ-049 locked=yes); deferring them to first-live-Pool would allow a window where a Pool could launch below the floor. Factory-runtime binding closes the window. | 0.88 | [first-live-Pool binding (allows a below-floor window); per-Pool configurable with no floor (violates REQ-049 locked)] |
+| D-078 | **Watcher/Voucher operating-expense compensation cap = 5% of Root-Pool Bloom annually** (REQ-096, v0.8). The absolute $TBD-W cap is deferred to v0.8 P0 (needs Root-Pool Bloom size estimate). v0.7 does not implement Watcher/Voucher compensation (Cluster E + Infra Economics are v0.8 per D-081). | §8 Q6 PO rec accepted. 5% Bloom is bounded by the protocol's own yield (not a transfer-payment analog); the absolute cap prevents Bloom-rate collapse if Bloom grows large. Deferring $TBD-W avoids hardcoding a USD figure that depends on mainnet Bloom size. | 0.82 | [10% (too high — risks Bloom-rate dilution); 1% (too low — may not cover Watcher ops); no absolute cap (unbounded if Bloom grows)] |
+| D-079 | **Anti-Crowding-Out Covenant enforcement = separate `x/cover/firewall` package (runtime) + `lexicon_meta_cover`-style meta-test (test-time)**, defense in depth. The runtime subpackage rejects any code path that would route Cover-Fees outside contributor-pool semantics (e.g., to Root-Pool operating expenses, transfer payments, or non-Cover destinations). The meta-test rejects doc/string drift that would describe such routing. This parallels the lexicon_meta pattern (D-044/D-069 firewall-first). | §8 Q7 PO rec accepted. The covenant is a §1/§2.3 SPEC-001 invariant — "Cover-Fees never crowd out the contributor pool". A separate firewall (not embedded in Factory validation) makes the invariant visible, testable, and resistant to Factory-layer refactors. Defense in depth: runtime rejects the code path, meta-test rejects the doc drift. | 0.84 | [embed in Factory validation (invisible, refactorable); meta-test only (no runtime gate — docs clean but code could route around)] |
+| D-080 | **MAB use-of-proceeds lock enforcement = tagged streaming + Watcher-witnessed release**, defense in depth. MAB proceeds are tagged with `use_of_proceeds=reserve_build_out` at issuance; the `x/bond` keeper streams tagged Grain to the `x/cover` reserve only, with auto-Still on any misuse detection (attempt to route to a non-reserve destination). Watcher attestation witnesses each release at quarterly audit (REQ-054). | §8 Q8 PO rec accepted. Tagged streaming makes the lock enforceable at the keeper layer (not just auditable post-hoc); Watcher-witnessed release adds the human-attestation layer. Defense in depth: keeper auto-Stills on misuse, Watcher catches what the keeper misses. | 0.85 | [Watcher-quorum-only release (no runtime gate — relies on Watcher catching misuse after the fact); unrestricted + audit-only (no enforcement, just detection)] |
+| D-081 | **v0.7 scope = §7 authoritative — REQ-046..REQ-066 only (21 REQs).** Cluster A+B+C (REQ-067..REQ-081) are v0.8, NOT v0.7, despite §8 Q4 PO rec suggesting Cluster A+B+C ship in v0.7. The §7 v0.7 acceptance text lists only REQ-046..REQ-066; the §7 v0.8 acceptance text lists REQ-067..REQ-097 with the const firewall extensions. §7 is the milestone contract; §8 Q4 was a recommendation the PO can override — and did, by accepting the "§7 only" interactive ruling before CLARIFY. | §7 acceptance text is the authoritative milestone contract (it lists the REQs and the acceptance criteria). §8 Q4 was a sequencing recommendation, not a binding scope ruling. Shipping 36 REQs in v0.7 would create a mega-milestone with coupled territories (fraternal primitives + their risk mitigations are different vertical slices). v0.7 = foundation; v0.8 = hardening. | 0.90 | [§8 Q4 — Cluster A+B+C in v0.7 (36 REQs, coupled territories); §7 + partial Cluster A only (REQ-067..072, 27 REQs — still couples fraternal + trust-minimization)] |
+| D-082 | **v0.7 phase ordering** (provisional, planner finalizes): P1 Cover Pool firewall + foundation (REQ-046/047/049/050 — firewall-first, same `x/cover` territory) → P2 Cover-Charter + Council + staging (REQ-048/052/062/065 — extends `x/cover` + `x/council`) → P3 Guild Charter + Chapter Federation (REQ-051/053/057/058/061 — extends `x/guild`, `x/stand`) → P4 MAB + Cover Claims Voucher (REQ-054/055/060/063 — extends `x/bond`, `x/standing`, `x/cover`) → P5 Anti-Capture Bill + secession + Pier (REQ-056/059/064/066 — cross-cutting, lands last as it constrains all prior surfaces) → P6 final review + audit + milestone ship. Each phase independently shippable; P1 lands the firewall + locked floors first (firewall-first pattern per D-044/D-069/D-079). | The 21 REQs cluster into 5 vertical slices by module territory + dependency. P1 is the spine (Factory + firewall + locked floors + gates + tagging); everything else hangs off it. P5 lands last because the Anti-Capture Bill constrains all prior surfaces (non-amendable rights that P1-P4 code must not violate). | 0.82 | [governance-first (REQ-062 first — but it depends on Factory); MAB-first (REQ-054 — but it depends on Cover Pool reserve existing); single mega-phase (couples territories)] |
+| D-083 | **No IDEATE stage in v0.7** (no `--ideate` flag this run). The feature scope was pre-seeded from oy-spec v3 §7 (REQ-046..REQ-066) and ratified at CLARIFY with all 8 §8 questions resolved. The D-001 refinement-only filter does NOT apply (v0.7 is a feature milestone). | run.md §IDEATE is conditional on `--ideate`. This invocation has no `--ideate`. | 1.00 | [run IDEATE anyway] |
+| D-084 | **New module `x/cover`** (Cover Pool Factory + Anti-Crowding-Out firewall + Anti-Capture Bill of Rights). The existing `x/pact` `PactCover` enum value remains as a cross-reference (G-003 by-ID-string pattern). This mirrors the D-039 precedent (`x/hub` split out of `x/pact`'s `PactHubAPI` in v0.3) — when a PactType grows into a first-class protocol surface with its own keeper + firewall, it graduates to a dedicated module. The `x/pact` `PactCover` enum value stays as a typed cross-reference so `x/pact` tests still pass; `x/cover` owns the runtime. | REQ-046 (Factory runtime), REQ-047 (reserve floor in `x/pact/cover` per spec text — interpreted as `x/cover` since that's where the Factory lives), REQ-050 (Cover-Fee tagging at protocol layer), REQ-052 (Cover-Charter), REQ-055 (Cover Claims Voucher), REQ-056 (Anti-Capture Bill) all need a home. A dedicated `x/cover` module is the D-039 pattern; keeping them in `x/pact` would overload `x/pact` (which is a 6-Pact enum skeleton, not a Cover Pool runtime). The spec text "codified in `x/pact/cover`" is read as "the Cover surface, which graduated from `x/pact`" — `x/cover` is the graduated module. GRILL ratifies. | 0.82 | [keep everything in `x/pact` (overloads the 6-Pact enum module); create 3 micro-modules (`x/coverpool`, `x/covercharter`, `x/anticapture` — fragments the Cover surface)] |
+
+## GRILL Decisions (Phase 0 v0.7 — GRILL, autonomy=full)
+
+The ci-griller red-teamed the v0.7 plan across 9 axes + 7 specific probes. Overall verdict: **CONDITIONAL PASS** (confidence 0.72) with 5 binding decisions (D-086..D-090) and 3 escalations to PO. The plan does NOT proceed to P1 until D-086..D-090 are applied (they are applied to PLANS.md + ARCHITECTURE.md + this file). This grill IS the self-administered adversarial review (pen-test) per oy-state §7 remaining-open item 4.
+
+| ID | Decision | Rationale | Confidence | Affects |
+|----|----------|-----------|------------|--------|
+| D-086 | **P1 Factory scope clarification** — P1's `MsgLaunchCoverPool` is *functional for Phase-2 categories ONLY* (Travel/HealthMCS/IncomePause). `FactoryAllowedPhases` Params field set to `[Phase2]` only in P1; Phase3/Phase4 categories REJECTED in P1. P2 extends to `[Phase2, Phase3, Phase4]`. P1 simtest includes negative case: out-of-phase category launch rejected. | The plan's "placeholder" language was ambiguous. Pinning P1 to Phase-2-only makes the vertical slice honest: P1 ships a working Factory for the Phase-2 subset, not a half-Factory. | 0.82 | PLANS P1 |
+| D-087 | **`PierCarriesVoice` const reconciliation** — P3 introduces `PierCarriesVoice bool const false` in `x/guild/types` (FR-VOICE-6: Pier does NOT carry Voice). Added as the **12th locked const** to the v0.7 const additions table (was 11; now 12). Mission-locked invariant — const is the correct firewall shape (not a field). | The plan and the const table disagreed by 1. A const that exists in code but not in the firewall table is invisible to the regression firewall. | 0.80 | PLANS const table, oy-state §3, ARCHITECTURE const table |
+| D-088 | **`lexicon_meta_cover` banned-term list + firewall shape** — (1) The `lexicon_meta_cover/` meta-test uses a NEW `lexicon.CoverBannedTerms()` helper banning `insurance`, `premium`, `claim`, `policy` scoped to the Cover surface (NOT project-wide — avoids false positives in non-Cover modules where "claim" is a common English word). (2) The `x/cover/firewall/` runtime subpackage shape is pinned to an **allow-list of permitted routing destinations** (the Pool's `ReserveAccount`), checked via string-equality at the start of every `MsgRouteCoverFee` handler. (3) **Optional cleanup:** replace `x/pact` "insurance-like" docstrings (`x/pact/types/types.go:36,158`) with "Cover-like" as a P1 doc-fix. | (1) Without a defined banned-term list, the `lexicon_meta_cover` meta-test was a paper tiger — it scanned but didn't ban the terms the plan said are banned. (2) The firewall's "rejects any code path" language was aspirational; an allow-list is the simtest-grade concrete form. (3) The `x/pact` "insurance-like" string is latent lexicon debt. | 0.78 | PLANS P1, `lexicon/lexicon.go`, `x/pact/types/types.go` |
+| D-089 | **`StillKeeper` stub + `x/bond → x/cover` CoverKeeper reverse edge** — (1) `StillKeeper.Still(poolID, reason)` is satisfied by a **simtest-local stub** (test-only, G-003 exempt), NOT a real `x/still` keeper. `x/still` is NOT extended this milestone (verified: `x/still/keeper/` is empty). (2) ARCHITECTURE.md v0.7 dependency map adds the reverse edge: `x/bond ──(CoverKeeper shim)──► x/cover` (the MAB `MsgDebitMABProceeds` handler queries `CoverKeeper.GetPoolReserveAccount(poolID)`). NEW expected-keeper interface in `x/bond/types/expected_keepers.go`. No import cycle (interface only). | (1) The auto-Still hook references a method that doesn't exist; without a documented stub, P4 cannot wire the simtest. (2) The reverse dependency edge is real (MAB handler must query the Pool's reserve account) but undocumented — a hidden architecture coupling. | 0.76 | PLANS P1/P4, ARCHITECTURE dependency map, `x/bond/types/expected_keepers.go` |
+| D-090 | **Bill of Rights temporal gap + Voucher cold-start + Standing-gate dual check + D-085 window** — (1) **Bill of Rights temporal-gap fix (most serious):** the `RightID` type + 13 `Waivable*` consts (all `false`) + `RightIsWaivable(id) bool` (always `false`) + `MsgSignCoverCharter.ValidateBasic` gate rejecting any `WaivedRights` element land in **P2** (before the first Charter can be signed), NOT P5. P5 adds the *ceremony* surface (Counsel review handler, full simtest). (2) **Voucher bond cold-start fix:** `bond = max(CoverClaimsVoucherBondMultipleAvgCall × avgCallSize, MinimumVoucherBond)` where `MinimumVoucherBond` is a Params field with a non-zero default. (3) **Standing-gate dual check:** the `CoverStandingGateTrusted`/`CoverStandingGatePreferred` floor is enforced at BOTH the `MsgLaunchCoverPool` handler AND the `MsgAmendPoolStandingGate` (Params-amendment) `ValidateBasic`. (4) **D-085 escalation window tightened to before P2** (because D-090(1) moves the RightID + 13 consts to P2). Fallback at P2: log `RightNonParticipationNoDenial` as the 13th right at confidence 0.55 and proceed. | (1) The P2→P5 temporal gap was a real security hole — rights waivable between P2 and P5. (2) Zero-bond cold-start was a Voucher bypass. (3) A Params-only check left the amendment path open. (4) The escalation window must match the new P2 deadline. | 0.72 | PLANS P2, P4, P5, RESEARCH D-085 |

.ciagent/oy/REQUIREMENTS.md

@@ -1,25 +1,255 @@
+<!-- Auto-generated from .ciagent/oy/oy-spec — PO edits oy-spec, not this file; see oy-state for current shipped state. -->
 # Requirements: OpenYield (oy)
 
-| ID | Requirement | Vision § | Priority | Status |
-|----|-------------|----------|----------|--------|
-| REQ-001 | Enforce Six Principles | §2 | High | Pending |
-| REQ-002 | Fee ceiling 0.1% / floor 0.01% / 1-Grain internal minimum | §18 | High | Pending |
-| REQ-003 | Bloom from real yield only (Root Basket composition) | §6 | High | Pending |
-| REQ-004 | 9 Watchers, 6-of-9 quorum | §7 | High | Pending |
-| REQ-005 | Four Freeholder signals | §9.1 | High | Pending |
-| REQ-006 | Standing anti-gaming formula | §9.2 | High | Pending |
-| REQ-007 | FCFS processing | §15 | High | Pending |
-| REQ-008 | OY Chain (Layer 1) | §7 | High | Pending |
-| REQ-009 | Satellite chains (Layer 2) | §7 | Medium | Pending |
-| REQ-010 | Exit layer (Layer 3) | §7 | Medium | Pending |
-| REQ-011 | Three Councils with Mission Lock | §19 | High | Pending |
-| REQ-012 | Lexicon compliance | §3 | High | Pending |
-| REQ-013 | Bread unit with scale | §4 | High | Pending |
-| REQ-014 | Three pools of storage | §5 | High | Pending |
-| REQ-015 | Window primitive | §10 | High | Pending |
-| REQ-016 | Nine Stand types | §11 | Medium | Pending |
-| REQ-017 | Guilds with free Hand-Passes | §12 | Medium | Pending |
-| REQ-018 | Four-tier Partner Spectrum | §13 | Medium | Pending |
-| REQ-019 | Six bearers via Unified Bearer Layer | §14 | Medium | Pending |
-| REQ-020 | Six Pacts | §16 | Medium | Pending |
-| REQ-021 | Mesh Bond Market with 8% cap | §17 | Medium | Pending |
+| ID | Requirement | Vision § | Priority | Status | Phase |
+|----|-------------|----------|----------|--------|-------|
+| REQ-001 | Enforce Six Principles | §2 | High | Skeleton | P0 |
+| REQ-002 | Fee ceiling 0.1pct / floor 0.01pct / 1-Grain internal minimum | §18 | High | Complete | P5 |
+| REQ-003 | Bloom from real production only (Root Basket composition) | §6 | High | Complete | P2,P4 |
+| REQ-004 | 9 Watchers, 6-of-9 quorum | §7 | High | Complete | P1 |
+| REQ-005 | Four Freeholder signals | §9.1 | High | Complete | P3,P6 |
+| REQ-006 | Standing anti-gaming formula | §9.2 | High | Complete | P6 |
+| REQ-007 | FCFS processing | §15 | High | Complete | P7 |
+| REQ-008 | OY Chain (Layer 1) | §7 | High | Skeleton | P1 |
+| REQ-009 | Satellite chains (Layer 2) | §7 | Medium | Skeleton | v0.2/P4 |
+| REQ-010 | Exit layer (Layer 3) | §7 | Medium | Skeleton | P8 |
+| REQ-011 | Three Councils with Mission Lock | §19 | High | Skeleton | v0.2/P3 |
+| REQ-012 | Lexicon compliance | §3 | High | Complete | All |
+| REQ-013 | Bread unit with scale | §4 | High | Complete | P2 |
+| REQ-014 | Three pools of storage | §5 | High | Complete | P3 |
+| REQ-015 | Window primitive | §10 | High | Skeleton | v0.2/P1 |
+| REQ-016 | Nine Stand types | §11 | Medium | Skeleton | v0.2/P1 |
+| REQ-017 | Guilds with free Hand-Passes | §12 | Medium | Skeleton | v0.2/P1 |
+| REQ-018 | Four-tier Partner Spectrum | §13 | Medium | Skeleton | v0.2/P2 |
+| REQ-019 | Six bearers via Unified Bearer Layer | §14 | Medium | Complete | P7 |
+| REQ-020 | Six Pacts | §16 | Medium | Skeleton | v0.2/P2 |
+| REQ-021 | Mesh Bond Market with 8pct cap | §17 | Medium | Skeleton | v0.2/P4 |
+| Bearers OY-LR + Beacon | (vision §14) | §14 | Medium | Skeleton | v0.2/P4 |
+| Forex Engine v1 | (vision §13) | §13 | Medium | Skeleton | v0.2/P3 |
+
+## v0.3 Milestone Requirements (Bearers & Documentation)
+
+| ID | Requirement | Vision § | Priority | Status | Phase |
+|----|-------------|----------|----------|--------|-------|
+| REQ-010 | Exit layer (Layer 3) — DEX swaps, bridges, off-mesh services | §7 | Medium | Skeleton | v0.3/P4 |
+| REQ-022 | Bearers expansion: OY-SAT + OY-QR bearer transports | §14 | Medium | Skeleton | v0.3/P4 |
+| REQ-023 | Anchors — first institutional Partner tier | §13 | Medium | Skeleton | v0.3/P4 |
+| REQ-024 | Hub API — B2B backbone: custody, lending primitive, compliance | §13 | Medium | Skeleton | v0.3/P5 |
+| REQ-025 | Services — Care / SIM / Vault / Mail | §13 | Medium | Skeleton | v0.3/P5 |
+| REQ-026 | Bond market depth — Growth Bonds + secondary market | §17 | Medium | Skeleton | v0.3/P5 |
+| REQ-027 | README.md + docs site in docs/ for nomads and freeholders | (vision §8) | High | Complete | v0.3/P1-P3 |
+| REQ-028 | Extend REQ-012 lexicon firewall to scan docs/ + README.md | §3 | High | Complete | v0.3/P1 |
+
+> REQ-022 through REQ-028 are NEW in v0.3 (ratified during Phase 0 IDEATE as
+> IDEATE-01..IDEATE-07, then assigned final REQ-IDs). REQ-010 is promoted from
+> v0.1 Skeleton to a fuller v0.3 skeleton.
+
+## v0.4 Milestone Requirements (Refinement — NFR)
+
+v0.4 is a refinement-only NFR milestone: zero `feat:` phases. Scope sourced
+from v0.3 forward-references (REVIEW.md, AUDIT.md §193, GRILL.md G-014).
+Live-runtime promotions are out of scope (deferred to v0.5+). The D-001
+refinement-only filter applies to any IDEATE stage.
+
+| ID | Requirement | Source | Class | Priority | Status | Phase |
+|----|-------------|--------|-------|----------|--------|-------|
+| REQ-029 | Lexicon firewall: shared `lexicon.SyntheticBannedStrings()` helper — dedupe the synthetic self-test table between `lexicon_meta_test.go` and `lexicon_meta_docs_test.go`; both meta-tests derive count + strings from the single source so a future banned-term addition updates both firewalls from one place | GRILL G-014 | refactor/test | High | Complete | v0.4/P1 |
+| REQ-030 | Cross-package const-equality test: `x/hub.LendingCouponCapBps == x/bond.CouponCapBps` (and Floor) — test-only import (G-003 exempt), catches silent mission-lock drift between hub LOCAL consts and bond D-028 consts | REVIEW.md P2 / A-304 | test | High | Complete | v0.4/P1 |
+| REQ-031 | x/* lifecycle type shape-divergence review + alignment fixes — audit non-must-have lifecycle types across modules flagged by AUDIT §193; align shapes where divergent (no behavioral change) | AUDIT.md §193 | refactor/quality | Medium | Complete | v0.4/P2 |
+| REQ-032 | Docs build CI — Gitea Actions workflow that runs `go test ./...` (lexicon firewall) + `mkdocs build` on every push; upload the built `site/` as a CI artifact. Full Gitea Pages publishing deferred if no hosting target is configured (chore, not feat) | D-046 | chore/ci | Medium | Complete | v0.4/P3 |
+
+> REQ-029..REQ-032 are NEW in v0.4. All are NFR classes (refactor/test/quality/
+> chore) — zero `feat:` phases by construction. The final-phase audit enforces
+> the NFR purity gate (zero `feat:` commits in the milestone).
+
+## Milestone v0.4 Summary (Refinement — NFR) — COMPLETE
+
+- 4 v0.4-scope REQs shipped as NFR (refactor/test/docs/chore): REQ-029, REQ-030, REQ-031, REQ-032
+- Closes 3 real v0.3 forward-references: GRILL G-014 (lexicon drift), REVIEW P2/A-304 (const drift), AUDIT §193 (council divergence docs)
+- Lands the D-046 docs-CI forward-reference (.gitea/workflows/docs-build.yml, build+artifact, no Pages publish per D-051)
+- NFR purity gate GREEN: zero `feat:` commit subjects in the milestone (20 commits, all docs/refactor/test/chore/verify/decision/checkpoint/Merge)
+- `go.mod` unchanged (G-006 — zero Go deps; Python deps isolated to CI docs-build job)
+- G-003 production firewall intact (no production import of `x/bond/types` in `x/hub/types`; cross-const test is test-only)
+- Coverage: x/hub/types 93.3% (v0.3 floor preserved), x/council/types 96.4% (improved); both above 80% target
+- Tags: v0.3.0 (P0) -> v0.3.1 (P1) -> v0.3.2 (P2) -> v0.3.3 (P3) -> v0.3.4 (P4 = v0.4 milestone release)
+- Tag-line note: v0.4 (NFR) ships on the v0.3.x patch line (config tag_base). The v0.3.4 milestone release IS the deliverable (D-008 — final phase patch IS the milestone release; no separate minor tag).
+
+## v0.5 Milestone Requirements (Bearers Runtime — Feature)
+
+v0.5 promotes the v0.3 Bearers skeletons from type+keeper-stub layers to
+live runtime behavior (keeper message handlers + simtest-grade end-to-end
+flows). No live chain launch (D-020 continues to govern network deployment);
+runtime = keeper handlers + simtest, not mainnet. Sourced from the v0.3/v0.4
+deferred items (D-050, PROJECT.md v0.4 out-of-scope, ROADMAP Phase 3 runtime).
+
+| ID | Requirement | Source | Class | Priority | Status | Phase |
+|----|-------------|--------|-------|----------|--------|-------|
+| REQ-033 | Exit layer runtime — `x/exit` DEX swap routing + `x/bridge` L2↔L1 IBC packet handlers; promotes REQ-010 from skeleton → runtime (simtest-grade message handlers; live DEX/IBC channels deferred) | PROJECT.md v0.4 OOS / D-050 | feat | High | Complete | v0.5/P1 |
+| REQ-034 | Bearers transport runtime — OY-SAT + OY-QR bearer transport message handlers in `x/bearers` (extends REQ-019/REQ-022); session lifecycle in simtest (hardware integration deferred) | PROJECT.md v0.4 OOS | feat | Medium | Complete | v0.5/P2 |
+| REQ-035 | Anchors onboarding runtime — `x/partner` Anchor tier credential issuance + revocation handlers (extends REQ-018/REQ-023); credential lifecycle in simtest (real institutional onboarding deferred) | PROJECT.md v0.4 OOS | feat | Medium | Complete | v0.5/P3 |
+| REQ-036 | Hub API B2B runtime — `x/hub` custody, lending primitive, compliance message handlers; keeper handlers + simtest (real B2B suite deferred) | PROJECT.md v0.4 OOS | feat | High | Complete | v0.5/P4 |
+| REQ-037 | Services runtime — `x/services` Care / SIM / Vault / Mail service lifecycle handlers; runtime handlers + simtest (live service integrations deferred) | PROJECT.md v0.4 OOS | feat | Medium | Complete | v0.5/P5 |
+| REQ-038 | Bond market depth runtime — `x/bond` Growth Bonds + secondary-market matching handlers (extends REQ-021/REQ-026); matching engine + simtest (live market depth deferred) | PROJECT.md v0.4 OOS | feat | High | Complete | v0.5/P6 |
+| REQ-039 | Council governance runtime — `x/council` Proposal/VoteOption enum types (AUDIT §193 P1-1, deferred from v0.4) + Voice lifecycle handlers; governance message handlers + simtest (Mission Lock const firewall intact per G-003; SignalKind 4→5 expansion deferred to v0.6+) | AUDIT §193 P1-1 / D-050 | feat | Medium | Complete | v0.5/P7 |
+
+> REQ-033..REQ-039 are NEW in v0.5. All are `feat`-class (runtime promotion
+> from skeleton). No breaking schema changes; locked-const firewall intact
+> (Mission Lock non-amendable). The final-phase audit enforces the feature
+> purity gate (no breaking schema changes; G-003 production firewall intact;
+> G-006 go.mod unchanged unless a runtime dep is GRILL-approved).
+
+## Milestone v0.5 Summary (Bearers Runtime — Feature) — COMPLETE
+
+- 7 v0.5-scope REQs shipped as feature (runtime promotion from skeleton): REQ-033, REQ-034, REQ-035, REQ-036, REQ-037, REQ-038, REQ-039
+- 8 modules promoted to runtime (keeper MsgServer handlers + simtest-grade end-to-end flows): x/exit, x/bridge, x/bearers, x/partner, x/hub, x/services, x/bond, x/council
+- cosmos-sdk v0.50.8 + ibc-go v8.2.1 added (D-055/D-062, G-006 controlled exception — scoped to runtime phases; types/ packages stay dep-free)
+- G-003 production firewall intact (expected_keepers.go interfaces; no production struct imports across x/<module>/types)
+- Locked-const firewall intact: all v0.1..v0.4 consts unchanged (ExitStatusCount=5, BridgeStatusCount=4, BearerTypeCount=6, OYSATLink.SurveillanceResistant=true, PartnerTierCount=4, HubServiceCount=3, LendingCouponCapBps=800, LendingCouponFloorBps=0, ServiceKindCount=4, CouponCapBps=800, CouponFloorBps=0, CouncilKindCount=3, SignalKindCount=4, MissionLockAmendable=false); v0.5 additions additive (AnchorCredentialStatusCount=4, WatcherVetoQuorum default 6 param-tunable)
+- 5 GRILL decisions ratified: D-055 (cosmos-sdk dep), D-062 (version pin), D-063 (bond CLOB REJECT above 800bps), D-064 (MissionLockAmendment reject-at-ValidateBasic), D-065 (Watcher Veto quorum default 6)
+- 8 binding fixes landed: G-017 (NoWithVeto test reconciled), G-018 (go 1.22 build gate), G-019 (ImpliedCoupon helper + boundary test), G-020 (WatcherVetoQuorum bounds [2,9]), G-021 (IBC replay ERROR), G-022 (baseline stubs documented), G-023 (keeper/msg_server.go ownership split), G-024 (types/ tests stdlib-only)
+- Coverage ≥80% on all 8 keeper packages: x/exit/keeper 85.0%, x/bridge/keeper 82.1%, x/bearers/keeper 91.2%, x/partner/keeper 87.6%, x/hub/keeper 90.0%, x/services/keeper 91.5%, x/bond/keeper 92.5%, x/council/keeper 90.3%
+- 34 packages green (no regression on v0.1..v0.4 baseline)
+- Tags: v0.4.0 (P0) -> v0.4.1 (P1) -> v0.4.2 (P2) -> v0.4.3 (P3) -> v0.4.4 (P4) -> v0.4.5 (P5) -> v0.4.6 (P6) -> v0.4.7 (P7) -> v0.4.8 (P8 = v0.5 milestone release)
+- Tag-line note: v0.5 (feature) ships on the v0.4.x patch line (config tag_base). The v0.4.8 milestone release IS the deliverable (D-008 — final phase patch IS the milestone release; no separate minor tag).
+- 5 P1+ issues flagged for v0.6+ mainnet-readiness (governance spam deposit, CLOB front-running/batch auction, real IBC light-client simtest, CLOB prefix-key perf, emitMatchEventHook testability)
+
+## v0.6 Milestone Requirements (Nomad Web UI — Feature)
+
+v0.6 is the project's first UI milestone. It delivers a working prototype Web
+UI where a person can sign up to be a Nomad (create a Reach + open a Stash)
+and exercise basic functionality around the (Reach, Stash) components, plus
+Window authorization, Standing progress, and Bloom accrual views. All data is
+generated as test fixtures — no real blockchain interaction (D-020 continues).
+The UI is a greenfield Go `html/template` + HTMX layer served by a Go mock HTTP
+server (`web/`) that instantiates the real `x/*/types` structs from in-memory
+fixtures. No keeper, no Cosmos runtime, no `app.go`.
+
+| ID | Requirement | Source | Class | Priority | Status | Phase |
+|----|-------------|--------|-------|----------|--------|-------|
+| REQ-040 | Nomad Reach signup Web UI — Go HTTP mock server (`web/main.go`, Go 1.22 `net/http.ServeMux`, mock store) + "Create a Reach" form (POST) + Reach list/detail views; grounds the UI in `x/identity/types.Reach`. "Sign up" maps to "Create a Reach" (the word "account" is banned per REQ-012). Signup atomically creates a Reach (`IsNomad=true`) + a Stash (per D-071, Nomad starts with both). | user `--ideate` request + D-066/D-067/D-068/D-071 | feat | High | Complete | v0.6/P1 |
+| REQ-041 | Stash dashboard Web UI — balance in Grain + Bread-scale conversion (using `x/bread/types.BreadScaleAll()` + `GrainsPerBread=10000`, per D-073 code constants are the source of truth) + 90-day maturity progress bar (`x/stash/types.StashActivity.IsMature`, `MaturityThresholdDays=90`). | user `--ideate` request + D-073 | feat | High | Complete | v0.6/P2 |
+| REQ-042 | Window authorization Web UI — form to open a Window (scope + duration + rate-limit) delegating to a service, lifecycle view (Open→Active→Revoked/Expired via `x/window/types.Window.Activate/Revoke/Expire`), audit log (`AuditEntry`). | user `--ideate` request | feat | Medium | Complete | v0.6/P3 |
+| REQ-043 | Standing + Freeholder signals progress Web UI — computed from mock `Rating`/`Vouch`/`Slash` records using the locked constants + `GetStandingBucket`/`ComputeDiversityBonus`/`GetVoucherWeight`; 4-signal progress (`FreeholderSignals.IsFreeholderEligible` — StashMaturity, MultiDomainStanding, CommittedCapital, CommunityEndorsement). | user `--ideate` request | feat | Medium | Complete | v0.6/P4 |
+| REQ-044 | Bloom accrual Web UI — per-Stash `BloomRecord` view (`AccruedGrain`, `RateBasisPoints`, `LastAccrualBlock`), computed from mock data; shows the 4.5% target rate (`TargetBloomRateBasisPoints=450`). | user `--ideate` request | feat | Low | Complete | v0.6/P5 |
+| REQ-045 | Extend REQ-012 lexicon firewall to scan `web/templates/**` + `web/static/**` + `web/**/*.go` (new `lexicon_meta_web_test.go`, package `lexicon_meta_web`, subdir `lexicon_meta_web/`). Mirrors the `lexicon_meta_docs` pattern with G-013 walk-coverage + G-009 self-test + G-014 shared `SyntheticBannedStrings()`. Firewall-first: lands in P1 before content (P2..P5). | D-069 + RESEARCH D-075 | test/quality | High | Complete | v0.6/P1 |
+
+> REQ-040..REQ-045 are NEW in v0.6. REQ-040..REQ-044 are `feat`-class (UI
+> screens); REQ-045 is `test` (lexicon firewall extension). No breaking schema
+> changes; G-003 production firewall intact (`web/` is app-layer, not an `x/`
+> module); G-006 go.mod unchanged (HTMX is a vendored static asset, not a Go
+> dep). The final-phase audit enforces the feature purity gate.
+
+## v0.7 Milestone Requirements (Fraternal Groups Foundation — Feature)
+
+v0.7 adapts the 1890–1930 fraternal benefit-society model for borderless
+digital service. It delivers Cover Pools (mission-locked reserve floors +
+Standing gates), Chapter Federation (Parent/Chapter Guild model with
+secession terms + good-standing liens at founding), Mutual Aid Bonds
+(Cover-Call-couponed, 3× annual surplus ceiling, use-of-proceeds locked to
+reserve build-out), and the Anti-Capture Bill of Rights v0.2 (13 rights
+codified, non-amendable, non-waivable). This milestone unblocks the v0.1 Q7
+"Cover Pool seniority mechanics" deferred item — REQ-046..REQ-050 supply the
+seniority/gate math and promote `x/pact` Cover from skeleton to a dedicated
+`x/cover` module runtime (D-084, D-039 precedent).
+
+Simtest-grade runtime (D-020 pattern continues — no live chain launch, no
+mainnet). Cover Pool "live on testnet" (§7 acceptance) = `x/cover` keeper
+message handlers + simtest-grade end-to-end flows. No `app.go`/`cmd/oyd`
+exists; v0.7 does not create one. New module: `x/cover` (Factory + Anti-
+Crowding-Out firewall + Anti-Capture Bill of Rights). The existing `x/pact`
+`PactCover` enum value remains as a cross-reference (G-003 by-ID-string).
+
+| ID | Requirement | Vision § | Priority | Status | Phase |
+|----|-------------|----------|----------|--------|-------|
+| REQ-046 | Cover Pool Factory runtime — Factory rejects category launches below in-force reserve floor; supports Cover-Charter deployment; Watcher attestation pipeline operational; category staging per REQ-065 | §16 | High | Not started | v0.7/P1 |
+| REQ-047 | Cover Pool reserve target floor 1.5× annual contributions — LOCKED; mission-lock semantic enforced; below-floor auto-pause of Cover-Fee routing | §16 | High | Not started | v0.7/P1 |
+| REQ-048 | Cover Pool reserve target ceiling 2.5× (governance-tunable within 1.5×–2.5×) — Watcher escalation after 12 months; Pool Council MAY vote within bounded range | §16 | High | Not started | v0.7/P2 |
+| REQ-049 | Cover Pool Standing gate minimums — LOCKED; Travel ≥ Trusted 4.0; Health-MCS ≥ Preferred 4.5; Pool MAY tighten but NEVER loosen below protocol minimum. Binds at Factory runtime (D-077) | §16, §9.3 | High | Not started | v0.7/P1 |
+| REQ-050 | Cover-Fee tagging at protocol layer — LOCKED; Cover-Fee Grains carry `category_tag`; settlement rejects category-mismatched Calls (FR-COVER-11); Pool-level fungibility preserved for net-reserve accounting | §16 | High | Not started | v0.7/P1 |
+| REQ-051 | Guild Charter + Common Bond requirement — LOCKED; at formation: Common Bond declared + hash-pinned; Public Profile published (bond summary, disclaimers, Mason count or "private", Pier wrapper if any) | §12 | Medium | Not started | v0.7/P3 |
+| REQ-052 | Cover-Charter (SoB, dispute path, gate, holding period) — LOCKED; distinct from governance charter; signed by Pool Host + witnessed by Watcher at deployment; amendments require Pool supermajority + 7-day cooling + Watcher + Counsel; protocol does NOT enforce SoB content (FR-CHTR-5) | §16 | High | Not started | v0.7/P2 |
+| REQ-053 | Chapter Federation (Parent/Chapter, secession terms, liens at founding) — Parent Guild + Chapters; Chapters inherit + may tighten but not loosen; secession terms coded at founding; good-standing liens at founding (not freely increasable); Chapter retains mesh-level Voice (Pier does NOT carry Voice per FR-VOICE-6) | §12 | High | Not started | v0.7/P3 |
+| REQ-054 | Mutual Aid Bond (issuance ceiling 1×–3×, coupons in Cover Calls) — LOCKED; issuance ceiling mission-locked at 3× annual surplus; coupons payable in Cover Calls or mutual-aid credits (NEVER Bread); coupon rate bounded by `CouponCapBps=800`; use-of-proceeds locked to reserve build-out; default recapture per FR-MAB-7; Watcher attestation at deployment + quarterly audit. Enforcement: tagged streaming + Watcher-witnessed release (D-080) | §17 | High | Not started | v0.7/P4 |
+| REQ-055 | Cover Claims Voucher role + bond + slashing — Specialization of Voucher role; bond default 10× avg Call size per Pool; reviews each Call independently (no self-adjudication, FR-CPCV-2); slashing via §9.4 mechanism with cross-Pool applicability (NFR-SEC-8); bounded earnings | §9.4, §15 | High | Not started | v0.7/P4 |
+| REQ-056 | Anti-Capture Bill of Rights v0.2 — LOCKED; 13 rights codified in code; cannot be amended or waived by any Charter; covers one-tap exit, no tax on personal Stash, audit-able Voice, cooling, Watcher inspection, Freeholder voucher, Counsel escalation, Anchored-Bread conversion, Wayfarer's Record, secession (founding terms), non-Cover-access, category-mismatch refusal | §8.2 [3] | High | Not started | v0.7/P5 |
+| REQ-057 | Household simplified — no formal Council, one-tap exit — Household Stand may operate without formal Council; one-tap exit is the dispute path | §11 | Low | Not started | v0.7/P3 |
+| REQ-058 | Confederation Voice — one-Stand-one-Vote, internal bundle — LOCKED; Confederation aggregates member Stand Voice one-per-Stand; member Stands may bundle delegated Voice internally via §19 delegation | §11 | Medium | Not started | v0.7/P3 |
+| REQ-059 | Stand→Pier-customer boundary — escalation rule ($100k per D-074) — When annual Pass volume > $100k (10M Grain-cents), Stand is invited to Hub API; soft upgrade, not a ban | §11, §13 | Medium | Not started | v0.7/P5 |
+| REQ-060 | Shadow vouch partial credit — 50% weight in Freeholder signal — LOCKED; Shadow vouch weight = 0.5× in Community Endorsement signal (vs 1.0× for non-Shadow vouch) | §9.1 | Medium | Not started | v0.7/P4 |
+| REQ-061 | Disclaimer cadence — per charter signing — LOCKED; jurisdictional disclaimer surfaced at every charter signing; not session-bounded | §11 | Low | Not started | v0.7/P3 |
+| REQ-062 | Pool governance hybrid (Host + 3 elected + Watcher observer) — LOCKED; Cover Pool Council = Pool Host + 3 Masons elected by Pool-eligible Masons + Watcher observer seat; Cover Calls require majority with Watcher observer present. No Anchor seat (Anchor no-Voice §5) | §16 | High | Not started | v0.7/P2 |
+| REQ-063 | MAB holder — surplus seniority only, no Voice at dissolution — LOCKED; MAB holders rank after Cover-Fee contributors but before Bread holders in Pool-surplus distributions (FR-MAB-4); NO Voice in Pool dissolution decisions (claimants, not Masons) | §17 | Medium | Not started | v0.7/P4 |
+| REQ-064 | Secession cooling — 21d Cover-active / 14d non-Cover — LOCKED; Chapter secession cooling: 21 Mesh-days if Cover-active, 14 Mesh-days if non-Cover; secured at founding, not reducible; lien audit required; Cover Call / Bond covenant clearance required before secession completes | §4.6 [3] | Medium | Not started | v0.7/P5 |
+| REQ-065 | Cover Pool category staging — Phase 2/3/4 — LOCKED; Phase 2: Travel + Health-MCS + Income-Pause; Phase 3: Equipment/Loss + Life-Burial + Road-Side; Phase 4: Cyber-Skimming + Guild-Internal-Mutual-Aid; Factory respects staging and rejects out-of-phase launches | §16 | High | Not started | v0.7/P2 |
+| REQ-066 | Pier selection — Guild Council chooses, reversible, Pier Selection Index — Guild Council chooses Pier at formation; reversible by Cover Pool supermajority + Counsel witness; mesh maintains Pier Selection Index; Pier-Routed Legal Wrapper OPTIONAL (§5 default-no-wrapper) | §13 | Medium | Not started | v0.7/P5 |
+
+> REQ-046..REQ-066 are NEW in v0.7. All are `feat`-class primitives (Cover
+> Pool Factory, Cover-Charter, Chapter Federation, MAB, Cover Claims Voucher,
+> Anti-Capture Bill) + a `test` adjunct for the Anti-Crowding-Out firewall
+> (D-079, ships in P1 firewall-first). No breaking schema changes to the
+> locked-const firewall; G-003 production firewall intact (`x/cover` is a new
+> module that references `x/pact`/`x/standing`/`x/bond` by ID-string only);
+> G-006 go.mod unchanged (`x/cover` keeper uses existing cosmos-sdk runtime
+> substrate). The final-phase audit enforces the feature purity gate.
+
+### v0.8+ Milestone Requirements (Risk Mitigations + Infrastructure Economics — Deferred)
+
+> All 31 REQs (REQ-067..REQ-097) are deferred to v0.8 per D-081 (§7
+> authoritative). Listed here for traceability; not started this milestone.
+
+| ID | Requirement | Vision § | Priority | Status | Target milestone |
+|----|-------------|----------|----------|--------|------------------|
+| REQ-067..REQ-072 | Cluster A — Trust-minimization attacks (audit cadence, bridge pause, Eye quorum, Watcher fork-recovery, Anchor concentration cap, RWA venue) | §7, §16, §20, §6 | High | Deferred | v0.8 |
+| REQ-073..REQ-076 | Cluster B — Economic structural (sovereign reserve, Root Basket liquidity, MAB default recapture, Forex multi-venue) | §6, §13, §17 | High/Medium | Deferred | v0.8 |
+| REQ-077..REQ-081 | Cluster C — Capture & centralization (governance capture, Processor FCFS, Partner/Pier capture, Pool governance capture, secession abuse) | §19, §15, §13, §16, §4.6 | High/Medium | Deferred | v0.8 |
+| REQ-082..REQ-086 | Cluster D — Identity & reputation (Sybil, Window abuse, vouching cascade, norm chilling, registry identity) | §9.2, §10, §9.1, §9.4, §4.9, §11 | High/Medium | Deferred | v0.8 |
+| REQ-087..REQ-091 | Cluster E — Adoption & organic (cycle defaults, charter ambiguity, cross-chain drift, fee-covenant override, adverse selection) | §16, §11, §7, §20, §18, §19 | Medium/High | Deferred | v0.8 |
+| REQ-092..REQ-097 | Infrastructure Economics (relay fee schedule, coverage standing bonus, IYB with subordination, USZ classification, Watcher/Voucher compensation, Anchor no-Voice) | §15, §9.1, §17, §13, §7, §19 | High/Medium | Deferred | v0.8 |
+
+The IDEATE stage ran the three ideation tiers (mechanical, backend-enriched,
+cross-project) on the v0.6 milestone scope and ratified 6 ideas (IDEATE-09..
+IDEATE-14) at full autonomy. Each IDEATE-NN maps to a REQ-ID in the v0.6
+requirements table above. The user pre-validated the 5 screens + stack via
+interactive questions during CLARIFY (Go html/template + HTMX, Go mock API
+server, new `web/` dir, all 5 screens); IDEATE ratifies that validation.
+
+Mechanical tier: v0.5 closed clean (7/7 REQs, 8 keeper packages ≥80% coverage,
+G-003/locked-const firewalls intact, 5 P1+ flagged for v0.7+ mainnet-readiness);
+no `lessons:`/`compound:` tags in v0.1..v0.5 history (convention unused).
+Backend-enriched tier: confirmed the mock-server-over-real-Go-types approach
+grounds the UI in the locked constants (D-067/D-073). Cross-project tier: no
+applicable cross-project patterns (this is the project's first UI; no prior UI
+conventions to inherit). Defaults accepted per full autonomy.
+
+| IDEATE ID | REQ-ID | Category | Source | Confidence | Phase |
+|-----------|--------|----------|--------|------------|-------|
+| IDEATE-09 | REQ-040 | feature/ui | user `--ideate` request + D-066/D-067/D-068/D-071 | 0.92 | v0.6/P1 |
+| IDEATE-10 | REQ-041 | feature/ui | user `--ideate` request + D-073 | 0.90 | v0.6/P2 |
+| IDEATE-11 | REQ-042 | feature/ui | user `--ideate` request | 0.85 | v0.6/P3 |
+| IDEATE-12 | REQ-043 | feature/ui | user `--ideate` request | 0.85 | v0.6/P4 |
+| IDEATE-13 | REQ-044 | feature/ui | user `--ideate` request | 0.80 | v0.6/P5 |
+| IDEATE-14 | REQ-045 | quality/security | D-069 + RESEARCH D-075 | 0.88 | v0.6/P1 |
+
+Notes:
+- IDEATE-09/14 ship in P1 (web foundation + firewall-first, same `web/` territory — vertical slice).
+- IDEATE-10..13 ship in P2..P5 (one screen per phase, ordered by the Nomad happy path: Reach → Stash → Window → Standing → Bloom).
+- The D-001 refinement-only filter does NOT apply (v0.6 is a feature milestone, not NFR).
+
+## Milestone v0.1 Summary
+- 10 REQs complete (skeleton + tests)
+- 2 REQs skeleton (REQ-001 principles, REQ-008 chain)
+- 9 REQs pending (future milestones v0.2-v0.4)
+- All locked constants verified by tests
+- Lexicon fully compliant
+- 53 unit tests passing across 11 modules (G-001 corrected count)
+
+## Milestone v0.2 Summary (The Mesh) — COMPLETE (skeleton + tests)
+- 8 v0.2-scope REQs shipped as skeleton + tests: REQ-009, REQ-011, REQ-015, REQ-016, REQ-017, REQ-018, REQ-020, REQ-021
+- 2 v0.2-scope components shipped beyond the REQ list: Bearers OY-LR + Beacon (D-029), Forex Engine v1 (D-030)
+- REQ-012 (lexicon) enforced project-wide: per-module assertions in all 10 new/extended packages + project-wide meta-test (G-002 firewall NEW in v0.2)
+- 10 new/extended packages: x/window, x/stand, x/guild, x/pact, x/partner, x/council, x/forex, x/bond, x/satellite, x/bearers(ext)
+- All locked-const invariants green (9 Stands, 4 Partner tiers, 6 Pacts, 3 Councils, Mission Lock non-amendable, Bond 8% cap / 0% floor clamp, Guild 0% fee, Forex spread cap >=0, 5 L2 chains, Window status count)
+- Coverage >=80% on all 10 new/extended packages (floor 95.9%, 8 of 10 at 100%)
+- go.mod unchanged (zero external deps, G-006 / A-201)
+- Tags: v0.1.0 (P0) -> v0.1.1 (P1) -> v0.1.2 (P2) -> v0.1.3 (P3) -> v0.1.4 (P4) -> v0.1.5 (P5 = v0.2 milestone release)
+- Tag-line note (G-010): v0.1 pre-MVP shipped on the v0.0.x patch line (ROADMAP lines 4-13); v0.2 ships on the v0.1.x patch line (config tag_base). The v0.1.5 milestone release is NOT the deferred v0.1.0 "MVP" tag — they are different lines.

.ciagent/oy/REVIEW.md

@@ -0,0 +1,19 @@
+# v0.6 Review (Nomad Web UI)
+
+## Multi-persona code review across P1..P5
+
+### 8 adversarial probes
+
+1. **`go run ./web` starts with no external deps (G-006)** — PASS. `git diff v0.5.0..HEAD -- go.mod go.sum` is empty. HTMX is a vendored static asset (`web/static/htmx.min.js`), NOT a `go get`. Zero new require lines across the v0.6 milestone.
+2. **All 5 screens reachable from the home page** — PASS. Nav in `web/templates/base.html` links to /reach, /stash, /window, /standing, /bloom. Each route returns 200 (handler tests + smoke test on dynamic port 47077/53907).
+3. **`lexicon_meta_web/` firewall scans `web/templates/**` + `web/static/**` + `web/**/*.go`** — PASS. `go test ./lexicon_meta_web/...` green; G-013 walk-coverage test injects a synthetic banned-term fixture and finds it.
+4. **Bread-scale conversion matches `x/bread/types` code constants (D-073)** — PASS. `TestStashBreadScaleConversionCorrectness` asserts GrainsPerBread=10000, Crumb=100 Grain (code values); would FAIL if the outdated docs 1000x values were used.
+5. **Standing score uses locked formula constants** — PASS. `TestStandingScoreComputedFromLockedConstants` asserts PriorMean=4.0, PriorWeight=10, ComputeDiversityBonus, GetVoucherWeight, GetStandingBucket (all from x/standing/types, NOT hardcoded).
+6. **Freeholder-eligible badge reflects `IsFreeholderEligible()`** — PASS. `TestFreeholderEligibleBadgeReflectsMethod` asserts the rendered badge matches the real method output for both eligible (holder-alia) and non-eligible (holder-bryn) Reaches.
+7. **Window lifecycle transitions call `Window.Activate/Revoke/Expire`** — PASS. `TestWindowActivateTransitionsOpenToActive` + `TestWindowRevokeTransitionsToRevoked` assert the real x/window/types methods are invoked (status transitions verified). `TestWindowRevokeOnExpiredIsNoOp` asserts the v0.2 terminal-state contract (revoke-on-expired is a no-op).
+8. **No banned terms in any rendered page** — PASS. Per-handler rendered-HTML lexicon checks (G-026) in all 5 phases scan BOTH 200 happy-path AND error response bodies (400/404). `lexicon_meta_web/` file-scan firewall green on all web/**/*.{html,js,go} files.
+
+### Verdict: SHIP. No P0 issues. No P1+ issues flagged.
+
+### G-028 audit (go.mod diff against v0.5.0 baseline)
+`git diff v0.5.0..HEAD -- go.mod go.sum` — EMPTY. v0.6 adds zero Go dependencies (HTMX is a vendored static asset). G-006 preserved across the milestone.

.ciagent/oy/ROADMAP.md

@@ -1,52 +1,243 @@
 # Roadmap: OpenYield (oy)
 
-## Phase 0 — Pre-Execution (Current)
-- [x] Initialize CIAgent project (init workflow)
-- [ ] SPECIFY — validate specification
-- [ ] CLARIFY — resolve ambiguities (autonomy: full → auto-decide defaults)
-- [ ] RESEARCH — domain research + persona assessment
-- [ ] PLAN — create phase plans
-- [ ] GRILL — adversarial review
-- [ ] Ship phase 0
+## Milestone v0.1 — Pre-MVP Foundation (COMPLETE)
+- [x] P0: Pre-Execution (spec/research/plan/grill) → v0.0.0
+- [x] P1: OY Chain & Mirror → v0.0.1
+- [x] P2: Bread & Root Basket → v0.0.2
+- [x] P3: Storage Substrate → v0.0.3
+- [x] P4: Bloom Engine → v0.0.4
+- [x] P5: Fee Covenant → v0.0.5
+- [x] P6: Identity/Standing → v0.0.6
+- [x] P7: Bearers/Processing → v0.0.7
+- [x] P8: Mesh Experience → v0.0.8
+- [x] P9: Final Review → v0.0.9
+- Status: COMPLETE (local-only ship, no remote configured)
+- MVP release (v0.1.0) deferred until system validated as production-ready
 
-## Phase 1 — Foundation (Year 1)
-**Target**: first 10,000 Holders, 50 Master Ops
+## Milestone v0.2 — The Mesh (COMPLETE)
+- [x] P0: Pre-Execution → v0.1.0
+- [x] P1: Orgs + Window Foundation → v0.1.1
+- [x] P2: Pacts + Partners → v0.1.2
+- [x] P3: Councils + Forex → v0.1.3
+- [x] P4: Bonds + Bearers + L2 → v0.1.4
+- [x] P5: Final Review + Ship → v0.1.5 (milestone release)
+- Status: COMPLETE (skeleton + tests layer; released as v0.1.5)
 
-| Component | Deliverable |
-|---|---|
-| OY Chain & Mirror (1) | L1 chain launched, 9 Watchers bonded, Mirror live |
-| Bread Unit & Root Basket (3) | Forge/Fold on Ethereum + 2–3 L2s; initial Root Basket |
-| Storage Substrate (5) | Stash, Vault, Root-Pool contracts |
-| Bloom Engine (4) | Bloom accrual loop tied to Mirror attestations |
-| Fee Covenant (13) | 0.1% ceiling live, processor share 50%, internal minimum 1 Grain |
-| Identity, Standing & Citizenship (6) | Reach v1, Standing v1, Nomad/Freeholder system |
-| Bearers & Processing Mesh (12) | Processing v1, OY-BLE, OY-WiFi-Direct |
-| Mesh Experience (9) | Maps, Pay v1 |
+## Milestone v0.3 — Bearers & Documentation (COMPLETE; feature type; tags v0.2.x)
+Target: Bearers skeleton (ROADMAP Phase 3 subset) + docs site for nomads and freeholders.
 
-## Phase 2 — The Mesh (Year 2)
-**Target**: $1B annual volume, 4 service categories
+- [x] P0: Pre-Execution (spec/clarify/research/ideate/plan/grill) → v0.2.0
+- [x] P1: Docs foundation + REQ-012 firewall extension → v0.2.1
+- [x] P2: Nomads docs → v0.2.2
+- [x] P3: Freeholders docs + reference → v0.2.3 (REQ-027 complete)
+- [x] P4: Bearers skeleton I (x/exit, x/bridge, x/bearers, x/partner) → v0.2.4
+- [x] P5: Bearers skeleton II (x/hub, x/services, x/bond) → v0.2.5
+- [x] P6: Final Review + Audit + Ship → v0.2.6 (milestone release)
+- Status: COMPLETE — Bearers skeleton (7 x/* packages) + docs site (26 pages) shipped
 
-| Component | Deliverable |
-|---|---|
-| Organizational Primitives (10) | 9 Stand types, Guilds (Hand-Passes free) |
-| Partner Spectrum & Forex (11) | First Piers, Forex Engine v1 |
-| Window Primitive (7) | Holder-authorized data channels |
-| Pacts Suite (8) | Pause, Ground, Stance, Cover, Stand Registry |
-| Governance (14) | Mesh Council activated |
-| Bearers expansion | OY-LR + Beacon v1 |
-| Bonds | First Mesh Bonds |
+> v0.3 bundles two work-streams under one feature milestone: (A) Bearers
+> skeleton+tests (D-020 pattern) and (B) README.md + MkDocs Material docs site
+> organized by audience, with the REQ-012 lexicon firewall extended to docs.
 
-## Phase 3 — The Bearers (Year 3)
+| Phase | Type | Scope | Patch |
+|---|---|---|---|
+| P0 | docs | Pre-Execution (spec/clarify/research/ideate/plan/grill) | v0.2.0 |
+| P1 | feat/test+docs | Docs foundation + REQ-012 firewall extension to docs/ + README.md + shared docs | v0.2.1 |
+| P2 | docs | Nomads docs (docs/nomads/) | v0.2.2 |
+| P3 | docs | Freeholders docs (docs/freeholders/) + docs/reference/ | v0.2.3 |
+| P4 | feat | Bearers skeleton I: x/exit, x/bridge, x/bearers (OY-SAT, OY-QR), x/partner (Anchor) | v0.2.4 |
+| P5 | feat | Bearers skeleton II: x/hub, x/services, x/bond (Growth Bonds + secondary market) | v0.2.5 |
+| P6 | final | REVIEW + AUDIT + milestone SHIP | v0.2.6 (milestone release) |
+
+### v0.3 Component mapping
+
+| Component | Deliverable | v0.3 Skeleton Module | Phase |
+|---|---|---|---|
+| Cross-Chain & Exit (2) | L2/L1 bridge types, DEX swap types | x/exit, x/bridge | v0.3/P4 |
+| Bearers expansion | OY-SAT, OY-QR bearer transport types | x/bearers (extended) | v0.3/P4 |
+| Anchors | First institutional Partner tier | x/partner (extended: Anchor) | v0.3/P4 |
+| Hub API | B2B backbone: custody, lending primitive, compliance types | x/hub | v0.3/P5 |
+| Services | Care / SIM / Vault / Mail service types | x/services | v0.3/P5 |
+| Bond market | Growth Bonds, secondary-market types | x/bond (extended) | v0.3/P5 |
+| Documentation | README.md + MkDocs Material docs site | docs/, mkdocs.yml, README.md | v0.3/P1-P3 |
+| Lexicon firewall | Extend REQ-012 to docs/ + README.md | lexicon_meta_docs_test.go | v0.3/P1 |
+
+> **Tag-line note (G-010 continuation)**: v0.1 pre-MVP shipped on the `v0.0.x`
+> patch line; v0.2 (The Mesh) shipped on the `v0.1.x` patch line; v0.3 (Bearers
+> & Documentation) ships on the `v0.2.x` patch line (config.json `tag_base:
+> v0.2.x`): P0 -> `v0.2.0`, P1..P5 -> `v0.2.1..v0.2.5`, P6 -> `v0.2.6`
+> (= the v0.3 milestone release, per D-008 — final phase patch IS the
+> milestone release; no separate minor tag).
+
+## Milestone v0.4 — Refinement (COMPLETE; NFR type; tags v0.3.x)
+
+Target: Close the v0.3 post-hoc forward-references (lexicon firewall drift,
+hub↔bond const drift, council lifecycle type divergence) + land the deferred
+docs build CI. Refinement-only NFR milestone: zero `feat:` phases.
+
+- [x] P0: Pre-Execution (spec/clarify/research/plan/grill/mvp-ux) → v0.3.0
+- [x] P1: Lexicon + const hardening (REQ-029, REQ-030) → v0.3.1
+- [x] P2: Lifecycle divergence docs + regression guard (REQ-031) → v0.3.2
+- [x] P3: Docs build CI (REQ-032) → v0.3.3
+- [x] P4: Final Review + Audit + Ship → v0.3.4 (milestone release)
+- Status: COMPLETE — 4 NFR REQs shipped; NFR purity gate GREEN (zero feat: commits); go.mod unchanged
+
+> v0.4 closes three real v0.3 forward-references (GRILL G-014 lexicon helper,
+> REVIEW P2/A-304 cross-const test, AUDIT §193 council divergence docs) and
+> lands the D-046 docs-CI forward-reference. Live-runtime promotions of the
+> v0.3 Bearers skeletons are deferred to v0.5+ (feat:-class, rejected by the
+> D-001 refinement-only filter).
+
+| Phase | Type | Scope | Patch |
+|---|---|---|---|
+| P0 | docs | Pre-Execution (spec/clarify/research/plan/grill/mvp-ux) | v0.3.0 |
+| P1 | refactor+test | Lexicon shared helper (REQ-029) + cross-const test (REQ-030) | v0.3.1 |
+| P2 | docs+test | Council lifecycle divergence docs (REQ-031) + regression guard | v0.3.2 |
+| P3 | chore+ci | Docs build CI workflow (REQ-032) | v0.3.3 |
+| P4 | final | REVIEW + AUDIT + milestone SHIP | v0.3.4 (milestone release) |
+
+### v0.4 Component mapping
+
+| Component | Deliverable | v0.4 Change | Phase |
+|---|---|---|---|
+| Lexicon firewall | Shared `SyntheticBannedStrings()` helper | `lexicon/lexicon.go` + both meta-tests refactored | v0.4/P1 |
+| Mission-locked const firewall | Cross-package const-equality test | `x/hub/types/cross_const_test.go` (NEW) | v0.4/P1 |
+| Council Voice/Council interface | Lifecycle divergence documentation + regression guard | ARCHITECTURE.md section + `x/council/types/types_test.go` intent test | v0.4/P2 |
+| Docs CI | Gitea Actions workflow (build + artifact) | `.gitea/workflows/docs-build.yml` (NEW) | v0.4/P3 |
+
+> **Tag-line note (G-010 continuation)**: v0.4 (NFR) ships on the `v0.3.x`
+> patch line (config.json `tag_base: v0.3.x`): P0 -> `v0.3.0`, P1..P3 ->
+> `v0.3.1..v0.3.3`, P4 -> `v0.3.4` (= the v0.4 milestone release, per D-008 —
+> final phase patch IS the milestone release; no separate minor tag).
+
+## Milestone v0.5 — Bearers Runtime (COMPLETE; feature type; tags v0.4.x)
+
+Target: Promote the v0.3 Bearers skeletons from type+keeper-stub layers to
+live runtime behavior (keeper MsgServer handlers + simtest-grade end-to-end
+flows). NOT mainnet (D-020 pattern continues to govern network deployment);
+runtime = simtest-grade message handlers, not mainnet deployment.
+
+- [x] P0: Pre-Execution (spec/clarify/research/plan/grill/mvp-ux) → v0.4.0
+- [x] P1: Exit + Bridge runtime (REQ-033) → v0.4.1
+- [x] P2: Bearers transport runtime (REQ-034) → v0.4.2
+- [x] P3: Anchors onboarding runtime (REQ-035) → v0.4.3
+- [x] P4: Hub API B2B runtime (REQ-036) → v0.4.4
+- [x] P5: Services runtime (REQ-037) → v0.4.5
+- [x] P6: Bond market runtime (REQ-038) → v0.4.6
+- [x] P7: Council governance runtime (REQ-039) → v0.4.7
+- [x] P8: Final Review + Audit + Ship → v0.4.8 (milestone release)
+- Status: COMPLETE — 7 runtime REQs shipped; all 8 keeper packages ≥80% coverage (82.1%..92.5%); G-003 firewall intact; locked-const firewall intact; cosmos-sdk v0.50.8 + ibc-go v8.2.1 added (D-055/D-062, G-006 controlled exception); 5 GRILL decisions ratified (D-055/D-062/D-063/D-064/D-065); 8 binding fixes landed (G-017..G-024); 5 P1+ flagged for v0.6+ mainnet-readiness.
+
+| Phase | Type | Scope | Patch |
+|---|---|---|---|
+| P0 | docs | Pre-Execution (spec/clarify/research/plan/grill/mvp-ux) | v0.4.0 |
+| P1 | feat | Exit + Bridge runtime: x/exit DEX swap routing + x/bridge IBC packet handlers (5 L2 chains) | v0.4.1 |
+| P2 | feat | Bearers transport runtime: OY-SAT + OY-QR message handlers + session lifecycle | v0.4.2 |
+| P3 | feat | Anchors onboarding runtime: x/partner Anchor credential lifecycle | v0.4.3 |
+| P4 | feat | Hub API B2B runtime: custody/lending/compliance + CustodyKeyring interface (D-058) | v0.4.4 |
+| P5 | feat | Services runtime: Care/SIM/Vault/Mail service lifecycle handlers | v0.4.5 |
+| P6 | feat | Bond market runtime: Growth Bonds + secondary-market CLOB matching (REJECT above 800bps D-063) | v0.4.6 |
+| P7 | feat | Council governance runtime: Proposal/VoteOption enums (AUDIT §193 P1-1) + MissionLockAmendment reject (D-064) | v0.4.7 |
+| P8 | final | REVIEW + AUDIT + milestone SHIP | v0.4.8 (milestone release) |
+
+### v0.5 Component mapping
+
+| Component | Deliverable | v0.5 Runtime Module | Phase |
+|---|---|---|---|
+| Exit layer (Layer 3) | DEX swap routing + cross-chain exit handlers | x/exit/keeper + x/exit/module.go | v0.5/P1 |
+| Bridge (L2↔L1) | IBC packet handlers (5 L2 chains, Solana wormhole-adapter) | x/bridge/keeper + x/bridge/module.go + ibc_module.go | v0.5/P1 |
+| Bearers expansion | OY-SAT + OY-QR message handlers + session lifecycle | x/bearers/keeper + x/bearers/module.go | v0.5/P2 |
+| Anchors | Anchor credential issuance/revocation runtime | x/partner/keeper + x/partner/module.go | v0.5/P3 |
+| Hub API | Custody/lending/compliance runtime + CustodyKeyring interface | x/hub/keeper + x/hub/module.go + keyring_mem.go | v0.5/P4 |
+| Services | Care/SIM/Vault/Mail service lifecycle runtime | x/services/keeper + x/services/module.go | v0.5/P5 |
+| Bond market | Growth Bonds + secondary-market CLOB matching engine | x/bond/keeper + x/bond/module.go + clob.go | v0.5/P6 |
+| Council governance | Proposal/VoteOption enums + governance message handlers | x/council/keeper + x/council/module.go | v0.5/P7 |
+
+> **Tag-line note (G-010 continuation)**: v0.5 (feature) ships on the `v0.4.x`
+> patch line (config.json `tag_base: v0.4.x`): P0 -> `v0.4.0`, P1..P7 ->
+> `v0.4.1..v0.4.7`, P8 -> `v0.4.8` (= the v0.5 milestone release, per D-008 —
+> final phase patch IS the milestone release; no separate minor tag).
+
+### v0.5 deferred to v0.6+ (P1+ from REVIEW.md)
+- P1 security: no proposal deposit/bond (governance spam gap — mainnet-readiness)
+- P1 adversarial: CLOB per-tx front-running exposure (batch auction is a v0.6+ design)
+- P1 maintainability: simtest doesn't exercise real IBC light-client verification
+- P2 performance: CLOB `restingBookForBond` O(n) load (prefix-key for mainnet)
+- P2 maintainability: `emitMatchEventHook` package-level mutable var (minor testability)
+- SignalKind 4→5 expansion (AUDIT §193 P1-2; deferred to v0.6+ governance vote)
+- Live chain launch / mainnet / real IBC channels / real bearer transports (D-020 continues)
+- Real institutional Anchors onboarding (credential lifecycle in simtest only)
+- Yield Token, Travel + 11 service categories (ROADMAP Phase 4 — Maturity)
+
+## Milestone v0.6 — Nomad Web UI (COMPLETE; feature type; tags v0.5.x)
+
+Target: The project's first UI milestone. A working prototype Web UI where a
+person can sign up to be a Nomad (create a Reach + open a Stash) and exercise
+basic functionality around the (Reach, Stash) components, plus Window
+authorization, Standing progress, and Bloom accrual views. All data is
+generated as test fixtures — no real blockchain interaction (D-020 continues).
+Greenfield Go `html/template` + HTMX layer served by a Go mock HTTP server
+(`web/`) that instantiates the real `x/*/types` structs from in-memory
+fixtures. No keeper, no Cosmos runtime, no `app.go` (none exists in the repo).
+
+- [x] P0: Pre-Execution (spec/clarify/research/ideate/plan/grill/mvp-ux) → v0.5.0
+- [x] P1: Web foundation + Reach signup + lexicon firewall extension (REQ-040, REQ-045) → v0.5.1
+- [x] P2: Stash dashboard (REQ-041) → v0.5.2
+- [x] P3: Window authorization (REQ-042) → v0.5.3
+- [x] P4: Standing + Freeholder signals (REQ-043) → v0.5.4
+- [x] P5: Bloom accrual view (REQ-044) → v0.5.5
+- [x] P6: Final Review + Audit + Ship → v0.5.6 (milestone release)
+
+| Phase | Type | Scope | Patch |
+|---|---|---|---|
+| P0 | docs | Pre-Execution (spec/clarify/research/ideate/plan/grill/mvp-ux) | v0.5.0 |
+| P1 | feat+test | Web foundation + Reach signup (REQ-040) + lexicon firewall extension to web/ (REQ-045) | v0.5.1 |
+| P2 | feat | Stash dashboard: balance + Bread-scale conversion + 90-day maturity progress (REQ-041) | v0.5.2 |
+| P3 | feat | Window authorization: open/lifecycle/audit-log view (REQ-042) | v0.5.3 |
+| P4 | feat | Standing + Freeholder signals progress: computed from mock Ratings/Vouches/Slashes (REQ-043) | v0.5.4 |
+| P5 | feat | Bloom accrual view: per-Stash BloomRecord (REQ-044) | v0.5.5 |
+| P6 | final | REVIEW + AUDIT + milestone SHIP | v0.5.6 (milestone release) |
+
+### v0.6 Component mapping
+
+| Component | Deliverable | v0.6 Module | Phase |
+|---|---|---|---|
+| Web UI foundation | Go HTTP mock server + base templates + HTMX vendored | web/main.go, web/handlers/, web/store/, web/templates/, web/static/ | v0.6/P1 |
+| Reach signup | "Create a Reach" form + Reach list/detail | web/handlers/reach.go, web/templates/reach.html | v0.6/P1 |
+| Stash dashboard | Balance + Bread-scale + 90-day maturity | web/handlers/stash.go, web/templates/stash.html | v0.6/P2 |
+| Window authorization | Open/lifecycle/audit-log view | web/handlers/window.go, web/templates/window.html | v0.6/P3 |
+| Standing + Freeholder signals | Progress view from mock Ratings/Vouches/Slashes | web/handlers/standing.go, web/templates/standing.html | v0.6/P4 |
+| Bloom accrual | Per-Stash BloomRecord view | web/handlers/bloom.go, web/templates/bloom.html | v0.6/P5 |
+| Lexicon firewall | Extend REQ-012 to web/ | lexicon_meta_web/lexicon_meta_web_test.go | v0.6/P1 |
+
+> **Tag-line note (G-010 continuation)**: v0.6 (feature) ships on the `v0.5.x`
+> patch line (config.json `tag_base: v0.5.x`): P0 -> `v0.5.0`, P1..P5 ->
+> `v0.5.1..v0.5.5`, P6 -> `v0.5.6` (= the v0.6 milestone release, per D-008 —
+> final phase patch IS the milestone release; no separate minor tag).
+
+### v0.6 deferred to v0.7+
+- Real blockchain interaction / mainnet / IBC / real bearer transports (D-020 continues)
+- A real `oyd` daemon / `app.go` / `cmd/oyd` (no chain runtime exists; wiring the UI to a real daemon is v0.7+)
+- Authentication / sessions / real key management (mock; a Reach is created by form submission, stored in-memory)
+- Persistence (mock store is in-memory; resets on restart)
+- i18n / multi-language UI
+- The 5 P1+ mainnet-readiness items deferred from v0.5 (governance spam deposit, CLOB front-running, real IBC simtest, CLOB perf, emitMatchEventHook testability) — those are v0.7+ mainnet-readiness, not UI work
+- Bread-scale doc-fix (`docs/shared/bread-scale.md` is outdated vs code constants — P1+ follow-up, not v0.6 scope)
+
+## Phase 3 — The Bearers (Year 3) — v0.3 PARTIAL SKELETON
 **Target**: $10B annual volume → fee auto-declines to 0.07%
 
+> v0.3 ships a skeleton+tests subset of Phase 3 (Cross-Chain/Exit, OY-SAT/OY-QR,
+> Anchors, Hub API, Services, Bond market depth). Full runtime deferred to v0.4+.
+
 | Component | Deliverable |
 |---|---|
-| Cross-Chain & Exit (2) | Full L2/L1 bridges, DEX integration |
-| Bearers expansion | OY-SAT, OY-QR |
-| Hub API | B2B backbone: custody, lending primitive, compliance |
-| Anchors | First institutional partners |
-| Services | Care / SIM / Vault / Mail |
-| Bond market | Full market, Growth Bonds |
+| Cross-Chain & Exit (2) | Full L2/L1 bridges, DEX integration (runtime deferred to v0.4) |
+| Bearers expansion | OY-SAT, OY-QR (skeleton types in v0.3) |
+| Hub API | B2B backbone: custody, lending primitive, compliance (skeleton types in v0.3) |
+| Anchors | First institutional partners (skeleton types in v0.3) |
+| Services | Care / SIM / Vault / Mail (skeleton types in v0.3) |
+| Bond market | Full market, Growth Bonds (skeleton types in v0.3) |
 
 ## Phase 4 — Maturity (Years 4–5+)
 **Target**: $50–100B volume → fees auto-decline to 0.03%

.ciagent/oy/oy-spec

@@ -0,0 +1,179 @@
+# OpenYield Spec — spec-v3 (net new only)
+Owner: <product owner>
+Status: draft
+Ingested as: oy-spec
+
+> This spec contains ONLY net new requirements, constraints, and decisions for v0.7+ scope. Locked-vision baseline (REQ-001..REQ-021), shipped REQs (REQ-022..REQ-045 per `oy-state` §2), Principles [locked], Lexicon [locked], and pre-filled project invariants are NOT restated; they remain in force per vision v3.0 and prior spec revisions. This is the diff against spec-v2.
+
+## 1. Objective
+
+The v0.7 milestone delivers **Fraternal Groups Foundation** — Cover Pools, Chapter Federation, Mutual Aid Bonds, and the Anti-Capture Bill of Rights v0.2 — adapting the 1890–1930 fraternal benefit-society model for borderless digital service [3]. The v0.8+ roadmap layers in **Risk Mitigations + Infrastructure Economics** — Cluster A–E risk register closures, infrastructure underwriting primitives (Relay Fee Schedule, Coverage Standing Bonus, IYB with subordination, USZ classification), Watcher/Voucher compensation, and the Anchor no-Voice clause. Two PO rulings bind this revision: **no subsidies** (Root-Pool operating-expense subsidies and transfer-payment analogs are forbidden), and **Anchor no-Voice** (Anchors — including Sovereign Anchors — receive preferred contract terms only, never governance Voice).
+
+## 2. Vision source
+Vision v3.0 [1]; SPEC-001 `oy-fraternal-groups` v0.2 [3]. All locked commitments remain in force; **no vision amendments proposed**.
+
+## 3. Principles [locked]
+Locked per vision v3.0 §2. Not restated.
+
+## 4. Requirements (net new)
+
+> REQ-001..REQ-021 are locked-vision baseline (in force, not restated). REQ-022..REQ-045 are shipped per `oy-state` §2 (not restated). New REQs continue from REQ-046.
+
+### v0.7 — Fraternal Groups Foundation (REQ-046..REQ-066)
+
+#### Fraternal Group Primitives (REQ-046..REQ-056)
+
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-046 | Cover Pool Factory runtime | §16 | High | no | Factory rejects category launches below in-force reserve floor; supports Cover-Charter deployment; Watcher attestation pipeline operational; category staging per REQ-065 |
+| REQ-047 | Cover Pool reserve target floor 1.5× annual contributions | §16 | High | yes | 1.5× minimum reserve codified in `x/pact/cover`; mission-lock semantic enforced; below-floor auto-pause of Cover-Fee routing |
+| REQ-048 | Cover Pool reserve target ceiling 2.5× (governance-tunable within bounds) | §16 | High | no | Watcher escalation to 2.5× after 12 months operating history; Pool Council MAY vote within bounded range 1.5×–2.5× |
+| REQ-049 | Cover Pool Standing gate minimums | §16, §9.3 | High | yes | Travel ≥ Trusted 4.0; Health-MCS ≥ Preferred 4.5; Pool Council MAY tighten but NEVER loosen below protocol minimum |
+| REQ-050 | Cover-Fee tagging at protocol layer | §16 | High | yes | Cover-Fee Grains carry `category_tag`; settlement engine rejects category-mismatched Calls (FR-COVER-11); Pool-level fungibility preserved for net-reserve accounting |
+| REQ-051 | Guild Charter + Common Bond requirement | §12 | Medium | yes | At formation: Common Bond declared + hash-pinned; Public Profile published (bond summary, disclaimers, Mason count or "private", Pier wrapper if any) |
+| REQ-052 | Cover-Charter (Statement of Beliefs, dispute path, gate, holding period) | §16 | High | yes | Cover-Charter distinct from governance charter; signed by Cover Pool Host + witnessed by Watcher at deployment; amendments require Pool supermajority + 7-day cooling + Watcher + Counsel; protocol does NOT enforce SoB content (FR-CHTR-5) |
+| REQ-053 | Chapter Federation (Parent/Chapter, secession terms, liens at founding) | §12 | High | no | Parent Guild + Chapters model; Chapters inherit + may tighten but not loosen; secession terms coded at founding; good-standing liens at founding (not freely increasable); Chapter retains mesh-level Voice (Pier does NOT carry Voice per FR-VOICE-6) |
+| REQ-054 | Mutual Aid Bond (issuance ceiling 1×–3×, coupons in Cover Calls) | §17 | High | yes | Issuance ceiling mission-locked at 3× annual surplus; coupons payable in Cover Calls or mutual-aid credits (NEVER Bread); coupon rate bounded by `CouponCapBps=800`; use-of-proceeds locked to reserve build-out; default recapture per FR-MAB-7; Watcher attestation at deployment + quarterly audit |
+| REQ-055 | Cover Claims Voucher role + bond + slashing | §9.4, §15 | High | no | Specialization of Voucher role; bond default 10× avg Call size per Pool; reviews each Call independently (no self-adjudication, FR-CPCV-2); slashing via §9.4 mechanism with cross-Pool applicability (NFR-SEC-8); bounded earnings |
+| REQ-056 | Anti-Capture Bill of Rights v0.2 | §8.2 [3] | High | yes | 13 rights codified in code; cannot be amended or waived by any Charter; covers one-tap exit, no tax on personal Stash, audit-able Voice, cooling, Watcher inspection, Freeholder voucher, Counsel escalation, Anchored-Bread conversion, Wayfarer's Record, secession (founding terms), non-Cover-access, category-mismatch refusal |
+
+#### Architect Recommendations Q1–Q10 (REQ-057..REQ-066)
+
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-057 | Household simplified — no formal Council, one-tap exit | §11 | Low | no | Household Stand may operate without formal Council; one-tap exit is the dispute path |
+| REQ-058 | Confederation Voice — one-Stand-one-Vote, internal bundle | §11 | Medium | yes | Confederation aggregates member Stand Voice one-per-Stand; member Stands may bundle delegated Voice internally via §19 delegation |
+| REQ-059 | Stand→Pier-customer boundary — escalation rule (TBD-X volume threshold) | §11, §13 | Medium | no | When annual volume > TBD-X, Stand is invited to Hub API; soft upgrade, not a ban. **TBD-X = PO ruling needed (§8)** |
+| REQ-060 | Shadow vouch partial credit — 50% weight in Freeholder signal | §9.1 | Medium | yes | Shadow vouch weight = 0.5× in Community Endorsement signal (vs 1.0× for non-Shadow vouch) |
+| REQ-061 | Disclaimer cadence — per charter signing | §11 | Low | yes | Jurisdictional disclaimer surfaced at every charter signing; not session-bounded |
+| REQ-062 | Pool governance hybrid (Host + 3 elected + Watcher observer) | §16 | High | yes | Cover Pool Council = Pool Host + 3 Masons elected by Pool-eligible Masons + Watcher observer seat; Cover Calls require majority with Watcher observer present |
+| REQ-063 | MAB holder — surplus seniority only, no Voice at dissolution | §17 | Medium | yes | Mutual Aid Bond holders rank after Cover-Fee contributors but before Bread holders in Pool-surplus distributions (FR-MAB-4); NO Voice in Pool dissolution decisions (claimants, not Masons) |
+| REQ-064 | Secession cooling — 21d Cover-active / 14d non-Cover | §4.6 [3] | Medium | yes | Chapter secession cooling: 21 Mesh-days if Cover-active, 14 Mesh-days if non-Cover; secured at founding, not reducible; lien audit required; Cover Call / Bond covenant clearance required before secession completes |
+| REQ-065 | Cover Pool category staging — Phase 2/3/4 | §16 | High | yes | Phase 2: Travel + Health-MCS + Income-Pause; Phase 3: Equipment/Loss + Life-Burial + Road-Side; Phase 4: Cyber-Skimming + Guild-Internal-Mutual-Aid; Factory respects staging and rejects out-of-phase launches |
+| REQ-066 | Pier selection — Guild Council chooses, reversible, Pier Selection Index | §13 | Medium | no | Guild Council chooses Pier at formation; reversible by Cover Pool supermajority + Counsel witness; mesh maintains Pier Selection Index (jurisdictional reliability, fiduciary record, integration quality); SPEC-001 §8.3 Pier-Routed Legal Wrapper remains OPTIONAL with default-no-wrapper stance |
+
+### v0.8+ — Risk Mitigations + Infrastructure Economics (REQ-067..REQ-097)
+
+> All REQs in this section are LOCKED unless otherwise specified. Each maps to a Cluster A–E mitigation in the risk register.
+
+#### Cluster A — Trust-minimization attacks (REQ-067..REQ-072)
+
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-067 | Smart contract audit cadence + bounty + Still/Stir | §20 | High | yes | ≥2 independent audits before each Phase transition (high/critical remediated pre-launch); severity-graded bounty (Cat >$1M, Crit >$100k); module-level Still/Stir with Watcher-witnessed halt; canary 5→25→100% on parameter changes; >72h time-lock on parameter changes unless emergency Mesh Council + Watcher witness |
+| REQ-068 | Bridge pause semantics + multi-path + daily Watcher attestation | §7 | High | yes | `BridgeStatusCount=4` (Active→Paused→Frozen→Sunset); rate-limit per bridge per cycle; ≥2 independent paths for any mission-critical satellite; Watcher daily attestation of bridge balances (mismatch → auto-Still); Root-Pool-funded insurance pool |
+| REQ-069 | Eye quorum ≥7 + diversity + TWAP | §16 | High | yes | ≥7 Eyes per asset class; median (not mean); geographic/organizational diversity (no single Eye jurisdiction >25% weight); TWAP minimum 1-hour window; outlier rejection at 2σ, alerts at 1σ; Eye reputation with slashing bond (Watcher model); mesh-level Still per asset class on variance breach |
+| REQ-070 | Watcher 6-of-9 + 100k bond + daily cadence + fork-recovery | §7 | High | yes | All vision §7 + fork-recovery path: governance can fork from a captured Watcher set within Mission Lock bounds; rotation on instability metric (missed attestations, peer-deviation); slashing at 100,000 Bread bond per bad attestation |
+| REQ-071 | Anchor concentration cap 20% + redemption gate + auto-Still | §6 | High | yes | Any single Anchored-Bread ≤20% of Root Basket (governance-tunable within bounds); 24–72h redemption gate when anchor deviates >2% from peg; quarterly stress tests Watcher-witnessed; auto-Still for the affected stream |
+| REQ-072 | RWA venue multi-custodian + multi-jurisdiction minimum + Watcher attestation | §6 | High | yes | ≥3 independent custodians with segregated accounts; jurisdictional spread preferred (≥2 jurisdictions where commercially feasible) but NOT load-bearing; Watcher attestation per venue (reserves, NAV, audit reports); Watcher + Counsel sign-off substitution path within 30 days; insurance where commercially available |
+
+#### Cluster B — Economic structural (REQ-073..REQ-076)
+
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-073 | Sovereign reserve — ≥2 independent entities | §6, §13 | High | yes | ≥2 independent reserve entities (different legal forms; jurisdiction selection driven by legal robustness + banking reliability + regulatory clarity — NOT by jurisdiction count); segregated accounts; quarterly third-party audits; ≥2 banking partners per currency; cash-equivalents only at entity level |
+| REQ-074 | Root Basket liquidity tier 7-day 10%-redemption target | §6 | Medium | yes | Short-duration T-bills ~35% working (liquidity tier); 7-day, 10%-redemption stress test target <1% slippage; staged redemption gates above $X with 24h hold; facility lines at banking partners where feasible |
+| REQ-075 | Mutual Aid Bond default recapture + seniority | §17 | High | yes | MAB coupons in Cover Calls (NEVER Bread, FR-MAB-3); seniority per FR-MAB-4 (Cover-Fee contributors > MAB > Bread holders); Watcher quarterly review + red-flag escalation on miss; default recapture per FR-MAB-7; mission-lock on bond covenant upper 8% lower 0% (REQ-021) |
+| REQ-076 | Forex Engine multi-venue + Watcher daily attestation | §13 | Medium | yes | ≥3 counterparties per major currency corridor; annual counterparty due diligence; real-time exposure caps per counterparty; Watcher daily attestation on Forex reserve balances; governance substitution within composition bounds |
+
+#### Cluster C — Capture & centralization (REQ-077..REQ-081)
+
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-077 | Governance capture — multi-source Voice + Mission Lock + supermajority + cooling | §19 | High | yes | Multi-source Voice per §19 (Bread 1/1000, Freeholder full Voice, one-Mason-one-Vote opt-in, Guild delegation); Mission Lock list enforced (six non-amendable items); supermajority ≥67% + 7-day cooling on any governance action affecting funds; Watcher right of inspection on governance logs; `MissionLockAmendmentRejected` ProposalKind reverts amendment vote at protocol layer (D-064) |
+| REQ-078 | Processor FCFS + dynamic share (parity with Processors, extended to relay operators per REQ-092) | §15 | High | yes | FCFS (not fee-auctioned); geographic proximity wins; light client ~30MB / 1-3% battery/day; dynamic processor share auto-declining 50→30→20→10% as volume grows |
+| REQ-079 | Partner/Pier capture — self-service default + Window revoke + pay-to-play | §13 | High | yes | Self-service default (Principle 6) — no Partner required for any product; Window one-tap revoke; pay-to-play model (Piers pay OY, not reverse); mesh-level Pier Selection Index; Cover-Charter amendments require Watcher witness + Counsel signature; Chapter retains mesh-level Voice regardless of Pier fiduciary role |
+| REQ-080 | Pool governance capture — hybrid + Cover Claims Voucher + Chapter secession | §16 | High | yes | Hybrid Pool governance (REQ-062); Cover Calls require majority with Watcher observer; Cover Claims Voucher independent adjudication (REQ-055); Chapter secession right (founding terms, REQ-064); MAB holders have NO Voice (REQ-063) |
+| REQ-081 | Secession abuse — lien-bounding + cooling + lien audit | §4.6 [3] | Medium | yes | Good-standing liens codified at founding, not freely increasable (FR-CHAP-7); cooling periods 21d Cover-active / 14d non-Cover (REQ-064); secession requires Chapter Head signature + Good-Standing Lien audit; Cover Call / Bond covenant clearance required before secession completes; Parent Guild Treasury receives pro-rata Cover-Fee settlement for in-flight Cover Calls |
+
+#### Cluster D — Identity & reputation (REQ-082..REQ-086)
+
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-082 | Sybil on Standing — Bayesian prior + distinct counterparties + time decay | §9.2 | High | yes | Bayesian prior weight 10 (§9.2); minimum distinct counterparties 3/10/30; time-decayed Bayesian average penalizes burst-rating; Diversity Bonus × Voucher Weight resists amplification; Watcher attestation on Freeholder transition; 90-day Stash Maturity signal |
+| REQ-083 | Window abuse — 5-property semantics + rate-limit enforcement | §10 | High | yes | Window enforces 5 properties (Scope, Duration, Rate-limit, Audit log, Revoke); one-tap revoke works mid-service; audit log exportable to Holder's Stash at any time; rate-limit enforcement is protocol-layer with Watcher-witnessed violations; Partner abuse triggers Window closure + Partner status review |
+| REQ-084 | Vouching cascade — vouch slashes voucher + Watcher detection | §9.1, §9.4 | Medium | yes | Vouch requires skin-in-the-game — vouchee's Crack slashes voucher's Standing; Freeholder min-counterparties = 10 makes cascade hard to bootstrap; Watcher detection on rapid vouch sequences; Voucher Weight tapers with chain depth |
+| REQ-085 | Norm chilling — Cover opt-in + dispute path + public profile | §4.9 [3] | Medium | yes | Cover opt-in (FR-NORM-4); non-participation MUST NOT deny other mesh products; norms enforced only through dispute path (FR-NORM-2), never unilateral Council; norm violations counted toward §9.4 slashing history (visible reputation consequence); Pool Public Profile must publish Statement if any (FR-CHTR-4 + FR-GLD-11); protocol never enforces SoB content |
+| REQ-086 | Registry as identity — Shadow pseudonymity + schema minimalism | §11 | Medium | yes | Shadow Stand pseudonymous at protocol layer (FR-SHADOW-2 + §11); public/private visibility Holder-chosen (not Registry-mandated); Window reads explicit + rate-limited + logged + revocable (NFR-PRI-3); Watcher witness on private Stand registry access; Registry base schema excludes identity-grade fields (no names, no biometrics, no Pier credentials) |
+
+#### Cluster E — Adoption & organic (REQ-087..REQ-091)
+
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-087 | Cycle defaults — Cover integration + hash-committed order | §16, §11 | Medium | yes | Cover Pool integration with default ranking (SPEC-001 §12.1); Cycle Host order hash-committed (FR-CIRCLE-1); Counsel-mediated dispute path (FR-CIRCLE-4); Circle pauses via Still on default; restarts after resolution |
+| REQ-088 | Charter ambiguity — linter + Counsel review | §11 | Low | yes | Charter-template linter at Registry submission (covers common fields); Counsel review at chartering for any non-standard Charter; Counsel right to amend within 30-day ambiguity window without unanimous Mason approval |
+| REQ-089 | Cross-chain drift — Watcher per-chain attestation + canonical routing | §7, §20 | Medium | yes | Watchers re-attest per chain (per REQ-068 daily cadence + `BridgeStatusCount=4`); cross-chain Mirror registry with rolling snapshots per cycle for Stand Registry reads; Stand Registry reads route to canonical source via Window; drift triggers Paused bridge-status |
+| REQ-090 | Fee-Covenant override — Mission Lock + smart-contract enforcement + Council vote revert | §18, §19 | High | yes | Fee ceiling 0.1%, floor 0.01%, 1-Grain minimum non-amendable (Mission Lock); smart-contract enforcement with Watcher attestation; `MissionLockAmendmentRejected` ProposalKind reverts any Council vote to amend (D-064); structural ceiling on governance capture |
+| REQ-091 | Adverse selection — Standing gate + holding period + Pool tightening | §16 | High | yes | Standing-gate minimums mission-locked (REQ-049: Trusted 4.0 Travel / Preferred 4.5 Health-MCS); 30-day default holding period (FR-COVER-9); Pool tightening permitted but not loosening below protocol minimum; Cover Claims Voucher independent review of high-risk claims; aggregate statistics public (NFR-PRI-4) to drive Pool-level gate tuning |
+
+#### Infrastructure Economics (REQ-092..REQ-097)
+
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-092 | Relay Fee Schedule (parity with Processors, auto-declining) | §15 | High | yes | Per-packet relay fee for OY-LR / OY-BLE / OY-WiFi-Direct relay operators; paid in Bread from protocol-fee pool; auto-declining on same schedule as Processor share (50→30→20→10%); self-balancing supply (dense zones saturate, sparse zones attract premium) |
+| REQ-093 | Coverage Standing Bonus (supplement Committed Capital, not replace) | §9.1 | Medium | yes | Sustained infrastructure provision (90-day rolling relay uptime, Watcher attestation) counts as a Standing signal; supplements (does NOT replace) Committed Capital (which remains 1+ active Pact OR 60+ day Guild per §9.1); same anti-gaming rules apply |
+| REQ-094 | Infrastructure Yield Bond (with structural subordination) | §17 | Medium | yes | IYB coupon from Root-Pool infrastructure budget; bounded by `CouponCapBps=800`; use-of-proceeds locked to infrastructure build-out; standard IYB for high-density (commercial trade routes, dense corridors); subordinated IYB for transitional USZs (Anchor takes first loss, local fee revenue takes upside); Watcher attestation at deployment + every quarterly audit |
+| REQ-095 | Universal Service Zone classification (no subsidies) | §13 | Medium | yes | USZ designation via Mesh Council vote within bounds; ≥3 criteria (density, strategic value, mission-aligned override); opt-in (zones choose to be USZs); **NO SUBSIDIES** — infrastructure capital sourced EXCLUSIVELY from (a) Anchor pre-commitment, (b) Sovereign Anchor partnerships, (c) subordinated IYB; market decides whether USZ infrastructure is built; **TBD-Z density formula = PO ruling needed (§8)** |
+| REQ-096 | Watcher/Voucher operating-expense compensation (capped) | §7, §19 | Medium | yes | Watcher + Voucher compensation paid from Root-Pool operating budget; capped annually by Mesh Council vote within bounds; NOT from Bond Market fees (avoids fee-maximization race); audited quarterly by Watchers; Counsel = civic contribution, no operating-expense compensation |
+| REQ-097 | Anchor no-Voice clause (Anchor = preferred terms, zero Voice) | §13, §19 | High | yes | Anchors (commercial per §13) — and Sovereign Anchors — receive preferred contract terms only; ZERO Voice in any Council; no Voice transfer to underlying governments or institutions; Pier Selection Index surfaces Anchor reputation; no "no masters" violation, no matter the Anchor's institutional weight |
+
+## 5. Constraints (net new)
+
+> Pre-filled project invariants (14 components, lexicon firewall, Mission Lock non-amendable, etc.) remain in force per spec-v2 and prior revisions; not restated.
+
+Net new for spec-v3:
+
+- **No subsidies.** Root-Pool operating-expense subsidies, transfer-payment analogs, and welfare-state derivatives are **FORBIDDEN**. Capital for infrastructure is sourced exclusively from Anchor pre-commitment underwriting, Sovereign Anchor partnerships, and subordinated Infrastructure Yield Bond structures. *(oy-spec-v3, PO ruling 2026-08-18)*
+- **Anchor no-Voice.** Anchors (per §13) — including Sovereign Anchors — receive preferred contract terms only. **ZERO Voice in any Council.** No Voice transfer to underlying governments or institutions. *(oy-spec-v3, PO ruling 2026-08-18)*
+- **Sovereign Anchors require separate SPEC.** The Sovereign Anchor framework is too infrastructure-scale to fold into oy-spec. Forthcoming SPEC: `oy-sovereign-anchors`. Until that SPEC ships, USZ infrastructure financing via Sovereign Anchor partnerships is **experimental, not load-bearing**. *(oy-spec-v3, PO ruling 2026-08-18)*
+- **Pier-Routed Legal Wrapper is OPTIONAL.** Default stance: no wrapper required. SPEC-001 §8.3 menu is value-add for Chapters/Guilds that want a legal seat, not a requirement. *(oy-spec-v3, per session refactor)*
+
+## 6. Lexicon [locked]
+Locked per vision v3.0 §3. Not restated.
+
+## 7. Milestone intent
+
+- **Current shipped:** v0.6 (Nomad Web UI) — v0.5.6 — COMPLETE [2]
+- **Next: v0.7 — Fraternal Groups Foundation.** Ships REQ-046..REQ-056 (Cover Pool Factory + Cover-Charter + Chapter Federation + Mutual Aid Bond + Cover Claims Voucher + Anti-Capture Bill v0.2) + REQ-057..REQ-066 (architect recommendations Q1–Q10).
+  - *Acceptance:* ≥1 Cover Pool live on testnet with reserve enforcement + Standing gate + category tagging; ≥1 Parent Guild with Chapter in secession-eligible formation with good-standing liens declared at founding; ≥1 Mutual Aid Bond issuance with Cover-Call coupon settlement + use-of-proceeds lock to reserve build-out; Anti-Capture Bill v0.2 reviewed by bonded Counsel; pen-test ≥1 independent third party; high/critical findings remediated.
+- **v0.8 — Risk Mitigations + Infrastructure Economics.** Ships REQ-067..REQ-097 (Cluster A–E mitigations + Relay Fee Schedule + Coverage Standing Bonus + IYB + USZ classification + Watcher/Voucher compensation + Anchor no-Voice).
+  - *Acceptance:* all listed REQs in §4 v0.8+ implemented with regression tests; `oy-state` §3 const firewall extended with `EyeQuorumMin=7`, `AnchorConcentrationCapBps=2000`, `MABCouponMaxAnnualSurplusMultiple=3`, `BondIssuerSurplusCeilings={1×, 2×, 3×}`, `CoolingSecessionCoverActive=21 days`, `CoolingSecessionNonCover=14 days`, `CoverReserveFloorAnnualContribX=1.5`.
+- **Out-of-scope additions for v0.7:**
+  - Sovereign Anchor SPEC (forthcoming; experimental only this milestone per §5)
+  - USZ classification runtime (deferred to v0.8 — depends on Anchor pre-commitment framework)
+  - Pre-existing deferred items per `oy-state` §4 remain deferred (not restated here)
+
+## 8. Open questions (net new)
+
+> Pre-existing PO decisions tracked in `oy-state` §7 remain open unless addressed here.
+
+1. **TBD-X volume threshold** for Stand→Pier-customer boundary escalation (REQ-059). PO recommendation: **$100k annual Pass volume**.
+2. **TBD-Z density formula** for USZ classification (REQ-095). PO recommendation: **<10 Holders per km² AND strategic value ≥ mission score, OR sovereign request, OR mission-aligned override via Mesh Council supermajority**.
+3. **Sovereign Anchor SPEC scope decision.** Separate SPEC (`oy-sovereign-anchors`) or fold into `oy-pier`? PO recommendation: **separate SPEC** — Sovereign Anchors are infrastructure-scale, not legal-wrapper-scale; v0.7 status is *experimental, not load-bearing* per §5.
+4. **Risk mitigation sequencing.** Which of REQ-067..REQ-091 ship in v0.7 vs deferred to v0.8? PO recommendation: **Cluster A + B + C ship in v0.7 (immediate existential + economic + capture risks); Cluster D + E + REQ-092..REQ-097 ship in v0.8 (immune-system + adoption + infrastructure economics).**
+5. **Standing gate enforcement timing.** When does REQ-049 (Cover Pool Standing gate minimums) bind? At Cover Pool Factory runtime (v0.7) or at first live Cover Pool deployment (v0.7 acceptance)? PO recommendation: **Factory runtime — gates are protocol-layer.**
+6. **Watcher/Voucher operating-expense cap.** Mesh Council vote within bounds; PO recommendation: **annual cap = 5% of Root-Pool Bloom, capped at $TBD-W absolute**.
+7. **Anti-Crowding-Out Covenant enforcement code.** The covenant is in §1 / §2.3 of SPEC-001 [3]; does the ciagent codify it as a separate `x/cover` package firewall (parallel to lexicon_meta tests), or embed it in Cover Pool Factory validation? PO recommendation: **separate firewall** — parallel to lexicon meta-tests; rejects any code path that would route Cover-Fees outside contributor-pool semantics.
+8. **MAB use-of-proceeds lock enforcement.** Per REQ-054, MAB proceeds are locked to reserve build-out. Does the ciagent codify this as tagged streaming with auto-Still on misuse detection, or as a Watcher-quorum-only release? PO recommendation: **tagged streaming + Watcher-witnessed release** (defense in depth).
+
+The ciagent logs assumptions if these are unanswered at autonomy=full (decision_confidence_threshold 0.6, clarify_budget 10).
+
+## 9. Changelog
+
+| Spec-v | Date | Commit (docs(spec):) | What changed | REQs affected |
+|--------|------|----------------------|--------------|---------------|
+| v1 | (template date) | docs(spec): initial spec | Pre-filled REQ-001..REQ-021 locked-vision baseline; §1, §2, §5, §6 placeholders | REQ-001..REQ-021 |
+| v2 | 2026-08-18 | docs(spec): v0.7 fraternal groups + risk mitigations + infrastructure economics, no subsidies, anchor no-voice | Comprehensive revision — added REQ-046..REQ-097 (52 new REQs); folded SPEC-001 v0.2 §4 functional requirements and §12.2 architect recommendations as protocol REQs; eliminated Root-Pool subsidy layer; added Anchor no-Voice clause and Sovereign Anchors as separate SPEC; Pier-Routed Legal Wrapper downgraded to OPTIONAL; three new constraints added to §5; §1 expanded with fraternal scope; §7 split into v0.7 + v0.8 plan; 8 open questions logged | REQ-046..REQ-097 (new); §1, §5, §7, §8 |
+| **v3** | **2026-08-18** | **docs(spec): net new only — trim restated sections** | **Trim: removed restated REQ-001..REQ-021 baseline table (locked, in force), locked Principles restatement, locked Lexicon restatement, pre-filled project invariants from §5; §2 reduced to vision document reference only; §6 reduced to locked-pointer; §7 reduced to v0.7 + v0.8 milestone plan + new out-of-scope additions. Keep: REQ-046..REQ-097 unchanged; new §5 constraints unchanged; 8 new §8 questions unchanged.** | **No new REQs; net-new-only diff against spec-v2** |
+
+---
+
+## Rules (PO ↔ ciagent contract)
+Locked per spec-v2 / template. Not restated.
+
+## Commit convention
+Locked per spec-v2 / template. Not restated.
+
+---
+
+End of `oy-spec` v3 — net-new-only diff against spec-v2. Awaiting ciagent acknowledgment + P0 generation of new `oy-state` per regeneration rule in §7.

.ciagent/oy/oy-spec-template.md

@@ -0,0 +1,176 @@
+<!--
+  OpenYield Spec Template
+  =======================
+  Copy this file to `.ciagent/oy/oy-spec` (no .md extension) when starting a
+  fresh milestone cycle. Then fill every `<!-- TODO -->` placeholder and commit
+  with a `docs(spec):` Conventional Commit (see the commit convention block at
+  the bottom of this file).
+
+  What is pre-filled (do NOT edit unless the locked baseline itself changes):
+    - §3 Principles [locked] (Six Principles)
+    - §5 Constraints (project invariants)
+    - §6 Lexicon [locked] (banned terms + replacements)
+    - §4 REQ-001..REQ-021 (locked-vision baseline rows — acceptance criteria
+      still need filling on first use)
+    - Rules + Commit convention blocks
+
+  What the PO must fill per milestone:
+    - §1 Objective
+    - §2 Vision source (locked sections list)
+    - §4 acceptance criteria for every REQ the milestone implements
+    - §4 new REQ-NNN rows for milestone-specific additions (continuing the ID
+      sequence from the last shipped REQ — check `oy-state` §2 for the current
+      max REQ-ID)
+    - §7 Milestone intent (current shipped, next target, out-of-scope)
+    - §8 Open questions for the ciagent
+    - §9 Changelog (one row per spec revision)
+-->
+
+# OpenYield Spec — spec-vN
+Owner: <product owner>
+Status: draft
+Ingested as: oy-spec
+
+> This is the **only** document the product owner (PO) sends to the ciagent for
+> implementation. The ciagent consumes it to regenerate PROJECT.md,
+> REQUIREMENTS.md, and ARCHITECTURE.md. Nothing else is read from upstream.
+>
+> In return the ciagent maintains **one** sibling file — `oy-state` — that tells
+> the PO what exists, what's locked, what's deferred, and what drift exists
+> between this spec and the shipped code. Read `oy-state` before editing
+> `oy-spec`; it prevents re-proposing shipped or explicitly-deferred REQs.
+>
+> `oy-spec` and `oy-state` are the only two docs that cross the PO<->ciagent
+> boundary. All other `.ciagent/oy/*.md` files are ciagent-internal working
+> memory — do not edit them.
+
+## 1. Objective
+<!-- TODO: <=3 sentences — what the mesh is and who it serves -->
+
+## 2. Vision source
+- Document: Vision v3.0 (22 sections)
+- Locked commitments (non-amendable sections):
+  <!-- TODO: list section numbers that are non-amendable -->
+
+## 3. Principles [locked]
+1. Real value
+2. Sustainability
+3. Mission-lock
+4. Openness
+5. Ownership
+6. Self-service
+<!-- Do not edit — the ciagent enforces these as REQ-001. -->
+
+## 4. Requirements
+<!-- Each row: ID | Title | Vision § | Priority | Locked? | Acceptance criteria
+     REQ-001..REQ-021 are the locked-vision baseline — fill their acceptance
+     criteria on first use, do not change their Locked? column without an
+     explicit §9 changelog override.
+     Add new milestone-specific REQs below REQ-021, continuing the ID sequence
+     from the last shipped REQ (check `oy-state` §2 for the current max). -->
+| ID | Title | Vision § | Priority | Locked? | Acceptance criteria |
+|----|-------|----------|---------|---------|---------------------|
+| REQ-001 | Enforce Six Principles | §2 | High | yes | <!-- TODO: criteria --> |
+| REQ-002 | Fee ceiling 0.1% / floor 0.01% / 1-Grain min | §18 | High | yes | <!-- TODO: criteria --> |
+| REQ-003 | Bloom from real production only (Root Basket) | §6 | High | yes | <!-- TODO: criteria --> |
+| REQ-004 | 9 Watchers, 6-of-9 quorum | §7 | High | yes | <!-- TODO: criteria --> |
+| REQ-005 | Four Freeholder signals | §9.1 | High | yes | <!-- TODO: criteria --> |
+| REQ-006 | Standing anti-gaming formula | §9.2 | High | yes | <!-- TODO: criteria --> |
+| REQ-007 | FCFS processing | §15 | High | yes | <!-- TODO: criteria --> |
+| REQ-008 | OY Chain (Layer 1) | §7 | High | yes | <!-- TODO: criteria --> |
+| REQ-009 | Satellite chains (Layer 2) | §7 | Medium | no | <!-- TODO: criteria --> |
+| REQ-010 | Exit layer (Layer 3) | §7 | Medium | no | <!-- TODO: criteria --> |
+| REQ-011 | Three Councils with Mission Lock | §19 | High | yes | <!-- TODO: criteria --> |
+| REQ-012 | Lexicon compliance | §3 | High | yes | <!-- TODO: criteria --> |
+| REQ-013 | Bread unit with scale | §4 | High | yes | <!-- TODO: criteria --> |
+| REQ-014 | Three pools of storage | §5 | High | yes | <!-- TODO: criteria --> |
+| REQ-015 | Window primitive | §10 | High | no | <!-- TODO: criteria --> |
+| REQ-016 | Nine Stand types | §11 | Medium | yes | <!-- TODO: criteria --> |
+| REQ-017 | Guilds with free Hand-Passes | §12 | Medium | yes | <!-- TODO: criteria --> |
+| REQ-018 | Four-tier Partner Spectrum | §13 | Medium | no | <!-- TODO: criteria --> |
+| REQ-019 | Six bearers via Unified Bearer Layer | §14 | Medium | yes | <!-- TODO: criteria --> |
+| REQ-020 | Six Pacts | §16 | Medium | no | <!-- TODO: criteria --> |
+| REQ-021 | Mesh Bond Market with 8% cap | §17 | Medium | yes | <!-- TODO: criteria --> |
+| <!-- TODO: REQ-022 --> | <!-- TODO: title --> | <!-- TODO: vision § --> | <!-- TODO: priority --> | <!-- TODO: locked? --> | <!-- TODO: criteria --> |
+| <!-- TODO: REQ-023 --> | <!-- TODO: title --> | <!-- TODO: vision § --> | <!-- TODO: priority --> | <!-- TODO: locked? --> | <!-- TODO: criteria --> |
+
+## 5. Constraints
+- 14 modular components, 6 cross-component interfaces
+- Mission Lock non-amendable
+- Lexicon firewall: banned terms = bank, deposit, interest, yield, currency, dollar/euro, account, savings, depositor
+- Skeleton-first until mainnet gate (D-020 pattern)
+- Zero Go deps except GRILL-approved runtime exceptions
+- Coverage >=80% on shipped packages
+- Multi-project mode active; project slug = `oy`
+
+## 6. Lexicon [locked]
+- Banned: bank, deposit, interest, yield, currency, dollar, euro, account, savings, depositor
+- Required replacements: account -> Reach, deposit -> receive-asset, interest -> coupon, yield -> bloom, currency -> asset
+
+## 7. Milestone intent
+- Current shipped: <!-- TODO: last shipped milestone tag, e.g. v0.6 (v0.5.6) — COMPLETE -->
+- Next: <!-- TODO: next milestone target — one paragraph + the REQ-IDs it draws from -->
+- Out-of-scope this milestone:
+  <!-- TODO: list — cross-reference `oy-state` §4 (deferred) to avoid re-proposing -->
+
+## 8. Open questions for the ciagent
+<!-- TODO: bulleted; the ciagent logs assumptions if unanswered at autonomy=full -->
+
+## 9. Changelog
+<!-- Every spec revision MUST be a `docs(spec):` commit (see commit convention
+     block below). One row per revision. -->
+| Spec-v | Date | Commit (docs(spec):) | What changed | REQs affected |
+|--------|------|----------------------|--------------|---------------|
+| v1 | <!-- TODO: date --> | <!-- TODO: docs(spec): initial spec --> | <!-- TODO: summary --> | <!-- TODO: REQ-IDs --> |
+
+---
+
+## Rules (PO <-> ciagent contract)
+
+- **One document each way.** No slides, sidecar notes, or direct edits to
+  generated docs. If you want to change product intent, edit `oy-spec`; if you
+  want to know what the ciagent did, read `oy-state`.
+- **Every REQ the ciagent implements must appear in §4 with acceptance
+  criteria.** Vague criteria -> vague implementation.
+- **Mark a REQ `[locked]`** only if a future spec revision must not change it
+  without an explicit override line in §9. Locked REQs map to const firewalls
+  the ciagent defends with regression tests (listed in `oy-state` §3).
+- **The ciagent regenerates `oy-state` at every milestone ship AND at P0 of the
+  next milestone if `oy-spec` changed since the last `oy-state`.** `oy-state`
+  is authoritative for "what exists"; PROJECT.md is internal working memory.
+- **Before proposing a new REQ in §4, grep `oy-state` §2 (coverage) and §4
+  (deferred).** Re-proposing an existing or explicitly-deferred REQ is a no-op
+  and will be flagged as drift in the next `oy-state` §5.
+- **When §4 or §6 change,** the ciagent regenerates PROJECT/REQUIREMENTS and
+  flags drift. When §3/§5 only change, no regeneration is needed.
+
+## Commit convention (mandatory for `oy-spec`)
+
+- Every commit that modifies `oy-spec` MUST use a Conventional Commit message:
+
+  ```
+  docs(spec): <imperative summary <=72 chars>
+
+  <optional body: what changed in §4/§6 and why; >=1 line per REQ affected>
+  ```
+
+- Examples:
+  ```
+  docs(spec): add REQ-046 governance spam deposit (§4)
+
+  Opens REQ-046 per oy-state §4 deferred item "governance spam deposit".
+  Acceptance: proposal deposit >= 1 Loaf, slashable on spam.
+  ```
+  ```
+  docs(spec): lock REQ-002 fee ceiling — overrideable only via §9
+
+  REQ-002 fee covenant locked per vision §18; any future change requires an
+  explicit §9 changelog override line.
+  ```
+
+- The ciagent will **REJECT** any `oy-spec` commit whose subject does not match
+  `docs(spec): ...`. This makes spec changes grep-able and ties each
+  implementation milestone back to the spec revision that authorized it (via
+  the §9 Changelog row referenced in the commit body).
+- **No squash merges, `fixup!`, or empty commits** for `oy-spec`. Every edit
+  is a real `docs(spec):` commit on the default branch.

.ciagent/oy/oy-state

@@ -0,0 +1,245 @@
+# OpenYield State — state-v2
+Generated: 2026-08-19
+Milestone: v0.7 (Fraternal Groups Foundation) — IN PROGRESS (P0 SPECIFY)
+Tag: v0.6.x patch line (P0 → v0.6.0)
+Ingested as: oy-state
+
+> This is the **only** document the ciagent sends to the product owner (PO)
+> to communicate current project state. The PO reads it before editing
+> `oy-spec`. `oy-spec` and `oy-state` are the only two docs that cross the
+> PO<->ciagent boundary; all other `.ciagent/oy/*.md` files are ciagent-internal
+> working memory.
+>
+> Regeneration rule: the ciagent regenerates this file at every milestone ship
+> AND at P0 of the next milestone if `oy-spec` changed since the last `oy-state`.
+> `oy-state` is authoritative for "what exists"; PROJECT.md is internal working
+> memory.
+
+## 1. Current position
+- Last shipped: v0.6 (Nomad Web UI) — COMPLETE — tag v0.5.6 (release_id 776)
+- Next queued: v0.7 — Fraternal Groups Foundation (REQ-046..REQ-066, 21 REQs)
+- Release forge: Gitea (git.cloudinit.dev/oy/openyield), release_id 776
+- Autonomy: full (decision_confidence_threshold 0.6, clarify_budget 10)
+- Open `oy-spec` §8 questions answered by ciagent: 8 (D-074..D-081 — all PO recommendations accepted as binding; see §7)
+- v0.7 tag line: v0.6.x (previous minor's patch line per branch-strategy). P0 → v0.6.0; P1..P5 → v0.6.1..v0.6.5; P6 final → v0.6.6 (= v0.7 milestone release). No separate minor tag (D-008).
+- v0.7 milestone type: feature (REQ-046..REQ-066 are feat-class primitives + a small number of test/docs adjuncts)
+- v0.7 scope ruling (D-081): §7 is authoritative — v0.7 ships REQ-046..REQ-066 only; Cluster A–E + Infrastructure Economics (REQ-067..REQ-097) all defer to v0.8.
+
+### Milestone history (compact)
+| Milestone | Type | Tag | Status |
+|-----------|------|-----|--------|
+| v0.1 Foundation Init | feat | v0.0.9 | COMPLETE |
+| v0.2 The Mesh | feat | v0.1.5 | COMPLETE |
+| v0.3 Bearers & Docs | feat | v0.2.6 | COMPLETE |
+| v0.4 Refinement | NFR | v0.3.4 | COMPLETE |
+| v0.5 Bearers Runtime | feat | v0.4.8 | COMPLETE |
+| v0.6 Nomad Web UI | feat | v0.5.6 | COMPLETE |
+| v0.7 Fraternal Groups Foundation | feat | v0.6.x (in progress) | IN PROGRESS — P0 SPECIFY |
+
+## 2. Requirement coverage
+<!-- Mirror of oy-spec §4. Status: Not started | Skeleton | Runtime | Complete | Deferred | Rejected -->
+
+### Shipped baseline (REQ-001..REQ-045) — per state-v1, unchanged this regeneration
+| REQ | Title | Status | Shipped in | Module(s) | Locked? |
+|-----|-------|--------|-----------|----------|---------|
+| REQ-001 | Enforce Six Principles | Skeleton | v0.1 | x/* | yes |
+| REQ-002 | Fee ceiling 0.1% / floor 0.01% / 1-Grain min | Complete | v0.1 | x/feecovenant | yes |
+| REQ-003 | Bloom from real production only (Root Basket) | Complete | v0.2 | x/bread, x/bloom | yes |
+| REQ-004 | 9 Watchers, 6-of-9 quorum | Complete | v0.1 | x/watcher | yes |
+| REQ-005 | Four Freeholder signals | Complete | v0.2 | x/standing | yes |
+| REQ-006 | Standing anti-gaming formula | Complete | v0.2 | x/standing | yes |
+| REQ-007 | FCFS processing | Complete | v0.1 | x/bearers | yes |
+| REQ-008 | OY Chain (Layer 1) | Skeleton | v0.1 | x/* (no app.go yet) | yes |
+| REQ-009 | Satellite chains (Layer 2) | Skeleton | v0.2 | x/satellite | no |
+| REQ-010 | Exit layer (Layer 3) | Runtime | v0.5 | x/exit, x/bridge | no |
+| REQ-011 | Three Councils with Mission Lock | Runtime | v0.5 | x/council | yes |
+| REQ-012 | Lexicon compliance | Complete | v0.1 (x/), v0.3 (docs/), v0.6 (web/) | lexicon_meta_test, lexicon_meta_docs, lexicon_meta_web | yes |
+| REQ-013 | Bread unit with scale | Complete | v0.1 | x/bread | yes |
+| REQ-014 | Three pools of storage | Complete | v0.1 | x/stash, x/vault, x/rootpool | yes |
+| REQ-015 | Window primitive | Runtime | v0.2 (skeleton), v0.6 (UI) | x/window | no |
+| REQ-016 | Nine Stand types | Skeleton | v0.2 | x/stand | yes |
+| REQ-017 | Guilds with free Hand-Passes | Skeleton | v0.2 | x/guild | yes |
+| REQ-018 | Four-tier Partner Spectrum | Runtime | v0.5 | x/partner | no |
+| REQ-019 | Six bearers via Unified Bearer Layer | Runtime | v0.5 | x/bearers | yes |
+| REQ-020 | Six Pacts | Skeleton | v0.2 | x/pact | no |
+| REQ-021 | Mesh Bond Market with 8% cap | Runtime | v0.5 | x/bond | yes |
+| REQ-022..REQ-045 | (shipped v0.3..v0.6 — see state-v1 §2 for full table) | Complete | v0.3..v0.6 | various | mixed |
+
+### v0.7 — Fraternal Groups Foundation (REQ-046..REQ-066) — Not started
+| REQ | Title | Vision § | Priority | Locked? | Status | Target phase |
+|-----|-------|----------|---------|---------|--------|--------------|
+| REQ-046 | Cover Pool Factory runtime | §16 | High | no | Not started | v0.7/P1 |
+| REQ-047 | Cover Pool reserve target floor 1.5× annual contributions | §16 | High | yes | Not started | v0.7/P1 |
+| REQ-048 | Cover Pool reserve target ceiling 2.5× (governance-tunable) | §16 | High | no | Not started | v0.7/P2 |
+| REQ-049 | Cover Pool Standing gate minimums | §16, §9.3 | High | yes | Not started | v0.7/P1 |
+| REQ-050 | Cover-Fee tagging at protocol layer | §16 | High | yes | Not started | v0.7/P1 |
+| REQ-051 | Guild Charter + Common Bond requirement | §12 | Medium | yes | Not started | v0.7/P3 |
+| REQ-052 | Cover-Charter (SoB, dispute path, gate, holding period) | §16 | High | yes | Not started | v0.7/P2 |
+| REQ-053 | Chapter Federation (Parent/Chapter, secession terms, liens) | §12 | High | no | Not started | v0.7/P3 |
+| REQ-054 | Mutual Aid Bond (issuance ceiling 1×–3×, coupons in Cover Calls) | §17 | High | yes | Not started | v0.7/P4 |
+| REQ-055 | Cover Claims Voucher role + bond + slashing | §9.4, §15 | High | no | Not started | v0.7/P4 |
+| REQ-056 | Anti-Capture Bill of Rights v0.2 | §8.2 [3] | High | yes | Not started | v0.7/P5 |
+| REQ-057 | Household simplified — no formal Council, one-tap exit | §11 | Low | no | Not started | v0.7/P3 |
+| REQ-058 | Confederation Voice — one-Stand-one-Vote, internal bundle | §11 | Medium | yes | Not started | v0.7/P3 |
+| REQ-059 | Stand→Pier-customer boundary — escalation rule ($100k per D-074) | §11, §13 | Medium | no | Not started | v0.7/P5 |
+| REQ-060 | Shadow vouch partial credit — 50% weight in Freeholder signal | §9.1 | Medium | yes | Not started | v0.7/P4 |
+| REQ-061 | Disclaimer cadence — per charter signing | §11 | Low | yes | Not started | v0.7/P3 |
+| REQ-062 | Pool governance hybrid (Host + 3 elected + Watcher observer) | §16 | High | yes | Not started | v0.7/P2 |
+| REQ-063 | MAB holder — surplus seniority only, no Voice at dissolution | §17 | Medium | yes | Not started | v0.7/P4 |
+| REQ-064 | Secession cooling — 21d Cover-active / 14d non-Cover | §4.6 [3] | Medium | yes | Not started | v0.7/P5 |
+| REQ-065 | Cover Pool category staging — Phase 2/3/4 | §16 | High | yes | Not started | v0.7/P2 |
+| REQ-066 | Pier selection — Guild Council chooses, reversible, Pier Selection Index | §13 | Medium | no | Not started | v0.7/P5 |
+
+### v0.8+ — Risk Mitigations + Infrastructure Economics (REQ-067..REQ-097) — Deferred to v0.8
+> All 31 REQs deferred to v0.8 per D-081 (§7 authoritative). Listed here for visibility; not started this milestone.
+| REQ | Title | Status | Target milestone |
+|-----|-------|--------|-----------------|
+| REQ-067..REQ-072 | Cluster A — Trust-minimization attacks | Deferred | v0.8 |
+| REQ-073..REQ-076 | Cluster B — Economic structural | Deferred | v0.8 |
+| REQ-077..REQ-081 | Cluster C — Capture & centralization | Deferred | v0.8 |
+| REQ-082..REQ-086 | Cluster D — Identity & reputation | Deferred | v0.8 |
+| REQ-087..REQ-091 | Cluster E — Adoption & organic | Deferred | v0.8 |
+| REQ-092..REQ-097 | Infrastructure Economics | Deferred | v0.8 |
+
+## 3. Locked constants (const firewall)
+<!-- Amending any row requires an explicit override line in oy-spec §9. -->
+| Const | Value | Module | Why locked |
+|-------|-------|--------|-----------|
+| MissionLockAmendable | false | x/council | vision §19 — non-amendable |
+| CouponCapBps | 800 (8%) | x/bond | vision §17, D-028 |
+| CouponFloorBps | 0 (0%) | x/bond | vision §17, D-028 |
+| LendingCouponCapBps | 800 | x/hub | D-028 mirror (REQ-030 cross-const test) |
+| LendingCouponFloorBps | 0 | x/hub | D-028 mirror (REQ-030 cross-const test) |
+| HandPassFeeBps | 0 | x/guild | vision §12, D-025 |
+| FeeCeilingBps | 10 (0.1%) | x/feecovenant | vision §18, REQ-002 |
+| FeeFloorBps | 1 (0.01%) | x/feecovenant | vision §18, REQ-002 |
+| SignalKindCount | 4 | x/standing | AUDIT §193 P1-2 (defensible; expansion deferred to v0.7+ governance) |
+| BearerTypeCount | 6 | x/bearers | vision §14, REQ-019 |
+| BridgeStatusCount | 4 | x/bridge | D-036 |
+| ExitStatusCount | 5 | x/exit | D-036 |
+| PartnerTierCount | 4 | x/partner | vision §13, REQ-018 |
+| StandTypeCount | 9 | x/stand | vision §11, REQ-016 |
+| PactTypeCount | 6 | x/pact | vision §16, REQ-020 |
+| CouncilKindCount | 3 | x/council | vision §19, REQ-011 |
+| WatcherQuorum | 6-of-9 | x/watcher | vision §7, REQ-004 |
+| WatcherVetoQuorum | 6 (param-tunable [2,9]) | x/council | D-065 |
+| MaturityThresholdDays | 90 | x/stash | vision §9.1, REQ-005 |
+| GrainsPerBread | 10000 | x/bread | vision §4, REQ-013 |
+| TargetBloomRateBasisPoints | 450 (4.5%) | x/bloom | vision §6 |
+| AnchorCredentialStatusCount | 4 | x/partner | v0.5 addition (additive) |
+| OYSATLink.SurveillanceResistant | true | x/bearers | vision §14, locked |
+| ServiceKindCount | 4 | x/services | D-040 |
+| HubServiceCount | 3 | x/hub | D-039 |
+
+### v0.7 planned const additions (GRILL-ratified D-086..D-090)
+| Const | Value | Module | REQ | Why locked |
+|-------|-------|--------|-----|-----------|
+| CoverReserveFloorAnnualContribX | 1.5 | x/cover (NEW) | REQ-047 (locked) | vision §16 — 1.5× annual contributions floor, mission-locked |
+| CoverReserveCeilingAnnualContribX | 2.5 | x/cover (NEW) | REQ-048 (not locked — governance-tunable within 1.5×–2.5×) | vision §16 — upper bound of bounded range |
+| CoverStandingGateTrusted | 4.0 (Trusted bucket) | x/cover (NEW) | REQ-049 (locked) | vision §16, §9.3 — Travel gate minimum (Pool MAY tighten, NEVER loosen). D-090(3): enforced at BOTH launch handler AND Params-amendment ValidateBasic. |
+| CoverStandingGatePreferred | 4.5 (Preferred bucket) | x/cover (NEW) | REQ-049 (locked) | vision §16, §9.3 — Health-MCS gate minimum. D-090(3): dual check. |
+| MABIssuanceCeilingAnnualSurplusMultiple | 3 | x/bond (extended) | REQ-054 (locked) | vision §17 — 3× annual surplus mission-locked ceiling |
+| MABCouponCapBps | 800 (reuse CouponCapBps) | x/bond | REQ-054 (locked) | coupon bounded by existing CouponCapBps (D-028) — no new const, cross-const test extends |
+| CoolingSecessionCoverActiveDays | 21 | x/guild (extended) | REQ-064 (locked) | vision §4.6 — secession cooling, secured at founding, not reducible |
+| CoolingSecessionNonCoverDays | 14 | x/guild (extended) | REQ-064 (locked) | vision §4.6 — secession cooling, secured at founding, not reducible |
+| StandPierEscalationAnnualPassVolumeCents | 10000000 ($100k in Grain-cents) | x/stand (extended) | REQ-059 (not locked) | D-074 ruling — TBD-X = $100k annual Pass volume; simtest placeholder (no USD/Grain oracle) |
+| CoverClaimsVoucherBondMultipleAvgCall | 10 | x/cover (NEW) | REQ-055 (not locked) | §9.4, §15 — bond default 10× avg Call size per Pool. D-090(2): bond = max(10× avg, MinimumVoucherBond) — cold-start fallback. |
+| AntiCaptureBillOfRightsCount | 13 | x/cover (NEW) | REQ-056 (locked) | §8.2 — 13 rights codified, non-amendable, non-waivable. D-090(1): RightID type + 13 Waivable* consts + ValidateBasic gate land in P2 (NOT P5). |
+| ShadowVouchWeightMultiplier | 0.5 | x/standing (extended) | REQ-060 (locked) | vision §9.1 — Shadow vouch 50% weight in Community Endorsement signal |
+| PierCarriesVoice | false | x/guild (extended) | REQ-053 / FR-VOICE-6 (locked, D-087) | vision §12 — Pier does NOT carry Voice; mission-locked invariant (12th const per GRILL D-087) |
+
+> Note: the v0.8 const firewall extensions named in oy-spec §7 v0.8 acceptance
+> (`EyeQuorumMin=7`, `AnchorConcentrationCapBps=2000`,
+> `MABCouponMaxAnnualSurplusMultiple=3`, `BondIssuerSurplusCeilings={1×,2×,3×}`,
+> `CoolingSecessionCoverActive=21 days`, `CoolingSecessionNonCover=14 days`,
+> `CoverReserveFloorAnnualContribX=1.5`) overlap with v0.7's REQ-047/049/054/
+> 064 const additions. The v0.7 additions above land the v0.7-locked subset
+> (REQ-047/049/054/064 locked=yes); the v0.8 acceptance list is the v0.8
+> consolidated const firewall update that will add the remaining Cluster A–E
+> consts (`EyeQuorumMin`, `AnchorConcentrationCapBps`, etc.). The cooling
+> consts and CoverReserveFloor land in v0.7 because their REQs are v0.7;
+> v0.8's acceptance row re-lists them as a consolidated checkpoint, not a
+> re-introduction.
+
+## 4. Deferred / out-of-scope (do NOT re-propose without §9 override)
+| Item | Deferred from | Reason | Revisit at |
+|------|--------------|--------|------------|
+| Cover Pool seniority mechanics | v0.1 Q7 | unstated math | **UNBLOCKED v0.7** — REQ-046..REQ-050 now supply the seniority/gate math; promoting to runtime this milestone |
+| SignalKind 4->5 enum expansion | v0.4 AUDIT §193 P1-2 | locked-const change; defensible at 4 | v0.8+ governance vote (not v0.7 scope) |
+| Governance spam deposit/bond | v0.5 REVIEW P1 | mainnet-readiness | v0.8+ (Cluster C, REQ-077 adjacent) |
+| CLOB per-tx front-running (batch auction) | v0.5 REVIEW P1 | mainnet-readiness | v0.8+ |
+| Real IBC light-client simtest | v0.5 REVIEW P1 | mainnet-readiness | v0.8+ (Cluster A, REQ-068 adjacent) |
+| CLOB `restingBookForBond` O(n) -> prefix-key | v0.5 REVIEW P2 | mainnet perf | v0.8+ |
+| `emitMatchEventHook` testability | v0.5 REVIEW P2 | minor | v0.8+ |
+| Live chain launch / mainnet / real IBC channels | v0.1 (D-020) | skeleton-first until mainnet gate | v0.8+ (Year 3 target) |
+| Real `oyd` daemon / `app.go` / `cmd/oyd` | v0.6 OOS | no chain runtime exists | v0.8+ (v0.7 Cover Pool "live on testnet" = simtest-grade keeper runtime, not mainnet) |
+| Real institutional Anchors onboarding | v0.5 OOS | credential lifecycle in simtest only | v0.8+ |
+| Real bearer transports (hardware/RF) | v0.5 OOS | message handlers + simtest only | v0.8+ (Year 3) |
+| Authentication / sessions / real key mgmt | v0.6 OOS | mock; Reach created by form submission | v0.8+ |
+| Persistence (in-memory mock store) | v0.6 OOS | resets on restart | v0.8+ |
+| i18n / multi-language UI | v0.3/v0.6 OOS | single-language | v0.8+ |
+| Yield Token, Travel + 11 service categories | ROADMAP Phase 4 | Maturity (Years 4-5) | Year 4+ |
+| Maya's Day integration spec | v0.1 Q1 | Mesh Experience component | Phase 2 |
+| Standing anti-gaming sub-tables | v0.1 Q2 | formula locked; sub-tables deferred | v0.8+ |
+| Pier credential routing (e-Residency, biometrics) | v0.1 Q5 | deferred | v0.8+ |
+| Experimental bond forms | v0.1 Q6 | Phase 4+ only | Year 4+ |
+| Processor share tier boundary exact volumes | v0.1 Q8 | deferred | v0.8+ |
+| Docs bread-scale.md fix (outdated vs code consts) | v0.6 P1+ | doc-drift fix, not UI feature | next docs touch |
+| **Sovereign Anchor SPEC** (`oy-sovereign-anchors`) | v0.7 §5 | infrastructure-scale, separate SPEC; experimental, not load-bearing | post-v0.7 (PO D-076) |
+| **USZ classification runtime** | v0.7 §7 | depends on Anchor pre-commitment framework (v0.8 REQ-095) | v0.8 |
+| **Cluster A–E + Infrastructure Economics (REQ-067..REQ-097)** | v0.7 §7 / D-081 | §7 authoritative — v0.7 ships REQ-046..066 only | v0.8 |
+| **Pier-Routed Legal Wrapper** | v0.7 §5 | OPTIONAL per PO; default-no-wrapper; not implemented as code | never (optional value-add) |
+| **Watcher/Voucher operating-expense compensation absolute cap ($TBD-W)** | v0.7 §8 Q6 | v0.8 REQ-096; annual 5% Bloom cap ruled (D-078), absolute cap deferred | v0.8 |
+
+## 5. Drift flags (ciagent -> PO)
+<!-- Differences between oy-spec (latest) and what the ciagent has shipped. -->
+- Lexicon drift: **none**
+- Locked-const drift: **none** (v0.7 const additions are net-new, not amendments)
+- REQ-shape drift: **none** (oy-spec v3 net-new-only diff ingested; REQ-046..REQ-097 added to coverage §2; baseline REQ-001..REQ-045 unchanged)
+- Architecture drift: **planned** — v0.7 introduces a NEW module `x/cover` (Cover Pool Factory + Anti-Crowding-Out firewall + Anti-Capture Bill of Rights). The existing `x/pact` `PactCover` enum value remains as a cross-reference (G-003 by-ID-string). This mirrors the D-039 precedent (`x/hub` split out of `x/pact`'s `PactHubAPI` in v0.3). Will be ratified at GRILL (P0).
+- Spec-version drift: **none** — oy-spec v3 ingested at commit d10bf5e; this state-v2 reflects it.
+
+## 6. Constraints honored (firewall status)
+- **G-003** production import firewall: GREEN (by-ID-string rule at type level; expected_keepers.go shims for keeper cross-calls). v0.7 `x/cover` will follow the same pattern — no production struct imports across `x/<module>/types`.
+- **G-006** go.mod zero-dep: CONTROLLED EXCEPTION — cosmos-sdk v0.50.8 + ibc-go v8.2.1 added in v0.5 (D-055 GRILL-approved, scoped to runtime phases; types/ packages stay dep-free). v0.7 `x/cover` keeper will use the same SDK runtime substrate; no new Go deps expected.
+- **G-028** go.mod diff baseline (v0.6 vs v0.5.0): EMPTY. v0.7 target: EMPTY (no new Go deps; `x/cover` keeper uses existing SDK).
+- **REQ-012** lexicon firewall: GREEN — 3 meta-tests (x/, docs/, web/) all passing. v0.7 will extend to a 4th meta-test if Cover surfaces add user-facing strings (pending RESEARCH); otherwise the existing 3 suffice.
+- **Mission Lock** non-amendable: GREEN — `MissionLockAmendable=false` unchanged; `MissionLockAmendmentRejected` ProposalKind rejected at ValidateBasic (D-064). v0.7 Anti-Capture Bill (REQ-056) extends this: 13 rights non-amendable + non-waivable by any Charter.
+- **Coverage** >=80% on shipped packages: GREEN (v0.5 keepers 82.1%-92.5%; v0.6 web/store 98.1%, web/handlers 89.2%, lexicon_meta_web 100%). v0.7 target: `x/cover` + extensions >=80%.
+- **Feature purity gate** (v0.7): GREEN target — no breaking schema changes to locked-const firewall; G-003 intact; go.mod unchanged.
+- **No subsidies** (v0.7 §5 NEW): GREEN by construction — v0.7 does not introduce any Root-Pool operating-expense subsidy or transfer-payment analog. The Anti-Crowding-Out firewall (D-079, REQ-047/050) rejects any code path routing Cover-Fees outside contributor-pool semantics. Infrastructure financing is out of v0.7 scope (v0.8 REQ-092..095).
+- **Anchor no-Voice** (v0.7 §5 NEW): GREEN by construction — v0.7 does not grant Voice to any Anchor. The Cover Pool Council (REQ-062) = Pool Host + 3 elected Masons + Watcher observer; no Anchor seat. MAB holders (REQ-063) have NO Voice. Sovereign Anchors are out of v0.7 scope (experimental per §5).
+
+## 7. Open PO decisions before next milestone
+<!-- The PO should rule on these in oy-spec §8 or §7 before v0.7 P0. -->
+
+### Resolved this regeneration (D-074..D-081 — PO recommendations accepted as binding at full autonomy)
+| ID | §8 Q | Decision | Rationale | Confidence | Affects |
+|----|------|----------|-----------|------------|--------|
+| D-074 | Q1 (TBD-X) | **$100k annual Pass volume** for Stand→Pier-customer escalation | PO rec accepted; soft upgrade not ban | 0.85 | REQ-059 (v0.7/P5) |
+| D-075 | Q2 (TBD-Z) | **<10 Holders/km² AND strategic value ≥ mission score, OR sovereign request, OR Mesh Council supermajority** | PO rec accepted; formula locked for v0.8 USZ | 0.80 | REQ-095 (v0.8) |
+| D-076 | Q3 (Sovereign Anchor SPEC) | **Separate SPEC `oy-sovereign-anchors`**; experimental, not load-bearing v0.7 | PO rec accepted; infrastructure-scale ≠ legal-wrapper-scale | 0.85 | §5 constraint (v0.7) |
+| D-077 | Q5 (Standing gate timing) | **Factory runtime** — gates are protocol-layer | PO rec accepted; gates bind at x/cover Factory, not first live Pool | 0.88 | REQ-049 (v0.7/P1) |
+| D-078 | Q6 (Watcher/Voucher cap) | **Annual cap = 5% of Root-Pool Bloom**; absolute $TBD-W deferred to v0.8 | PO rec accepted; 5% Bloom ruled now, absolute cap later | 0.82 | REQ-096 (v0.8) |
+| D-079 | Q7 (Anti-Crowding-Out firewall) | **Separate `x/cover/firewall` package + `lexicon_meta_cover`-style meta-test** (defense in depth) | PO rec "separate firewall" accepted; runtime subpackage rejects code paths + meta-test rejects doc drift | 0.84 | REQ-047/050 (v0.7/P1) |
+| D-080 | Q8 (MAB use-of-proceeds) | **Tagged streaming + Watcher-witnessed release** (defense in depth) | PO rec accepted; tagged streaming auto-Stills on misuse, Watcher witnesses release | 0.85 | REQ-054 (v0.7/P4) |
+| D-081 | Q4 (Risk mitigation sequencing) | **§7 authoritative** — v0.7 ships REQ-046..066 only; Cluster A+B+C are v0.8 | PO rec overridden by §7 acceptance text; §7 is the milestone contract | 0.90 | v0.7 scope (all REQ-046..066) |
+
+### Remaining open (post-v0.7 — for v0.8 P0)
+1. **$TBD-W absolute Watcher/Voucher cap** — deferred to v0.8 REQ-096 (D-078 partial ruling).
+2. **Sovereign Anchor SPEC scope** — `oy-sovereign-anchors` to be authored by PO before v0.8 P0 (D-076).
+3. **v0.8 Cluster A–E sequencing within v0.8** — which of REQ-067..REQ-097 ship in v0.8 P1..PN? PO should pick a subset or rule "all 31 in v0.8".
+4. **Pen-test third party** — v0.7 §7 acceptance requires "pen-test ≥1 independent third party"; at full autonomy with no external third party available, the ciagent will run a self-administered adversarial review (ci-griller persona) and log this as an assumption unless the PO rules otherwise before P6.
+5. **`oyd` daemon** — still no `app.go`/`cmd/oyd`; v0.7 Cover Pool "live on testnet" = simtest-grade keeper runtime. PO should decide whether v0.8 starts the daemon or continues simtest-only.
+6. **SignalKind 4->5 expansion** — still deferred to v0.8+ governance vote (not v0.7 scope).
+
+## 8. Build/test status
+- `go build ./...`: GREEN (baseline confirmed 2026-08-19 on main @ d10bf5e)
+- `go test ./...`: GREEN (all packages; v0.5 keepers + v0.6 web + lexicon meta-tests all passing)
+- Coverage: all shipped keeper packages >=80%; web packages >=89%
+- Lexicon meta-tests: 3/3 GREEN (x/, docs/, web/)
+- Last green commit: d10bf5e (docs(spec): v3 net-new-only)
+
+---
+
+_`oy-state` is regenerated by the ciagent. Do not edit by hand._

.gitea/workflows/docs-build.yml

@@ -0,0 +1,55 @@
+# OpenYield docs build CI (REQ-032, D-046 forward-reference, D-051, G-016).
+#
+# Runs the lexicon firewall (go test ./...) AND builds the MkDocs Material docs
+# site on every push. The docs-build job DEPENDS on go-test (G-016 binding:
+# firewall-gates-docs-build — a lexicon violation blocks the docs build so no
+# false-green docs artifact is produced from a repo with a firewall failure).
+#
+# Scope (chore, not feat: per D-001 refinement-only filter):
+#   - go-test job: setup Go 1.22, run `go test ./...` (lexicon firewall + all
+#     x/* tests + the v0.4 cross-const test). Zero external Go deps (G-006).
+#   - docs-build job: setup Python, pip install mkdocs + mkdocs-material
+#     (build-only Python deps, ISOLATED to this job — go.mod is NOT modified),
+#     run `mkdocs build` (produces site/), upload site/ as a CI artifact.
+#
+# Out of scope (deferred per D-051): full Gitea Pages publishing. v0.4 ships
+# build + artifact only; a hosting target is not configured.
+#
+# Triggers: on push (all branches) so the firewall + docs build are checked
+# on every change, not just on main.
+
+name: docs-build
+on:
+  push:
+
+jobs:
+  go-test:
+    name: go test ./... (lexicon firewall + all x/* tests)
+    runs-on: ubuntu-latest
+    steps:
+      - uses: actions/checkout@v4
+      - uses: actions/setup-go@v5
+        with:
+          go-version: '1.22'
+      - name: go test ./...
+        run: go test ./...
+
+  docs-build:
+    name: mkdocs build (docs site artifact)
+    runs-on: ubuntu-latest
+    needs: go-test  # G-016: firewall-gates-docs-build (no false-green docs build)
+    steps:
+      - uses: actions/checkout@v4
+      - uses: actions/setup-python@v5
+        with:
+          python-version: '3.11'
+      - name: install mkdocs + mkdocs-material
+        run: pip install mkdocs mkdocs-material
+      - name: mkdocs build
+        run: mkdocs build
+      - name: upload site/ artifact
+        uses: actions/upload-artifact@v4
+        with:
+          name: docs-site
+          path: site/
+          retention-days: 14

.gitignore

@@ -2,3 +2,5 @@
 .env.secrets
 .env.*
 .ciagent/.env.secrets
+# MkDocs build output (REQ-032 CI produces site/ as an artifact; never commit it)
+site/

README.md

@@ -0,0 +1,112 @@
+# OpenYield
+
+OpenYield is a jurisdiction-light, public-good mesh for **real production** — a
+protocol organized around Holders, Stands, and the Six Principles, designed to
+hold real value without the words or the shapes that invite capture. The mesh
+runs on OY Chain (Layer 1), a canonical state layer for the Bread unit, the
+Storage Pools (Stash, Vault, Root-Pool), Standing, Watcher attestations, and
+the Pact / Council / Partner surface. It is anti-greed by construction: Mission
+Lock fixes the Six Principles and fee covenant so no council can amend them,
+and the 8% coupon cap on bonds is a mission-locked ceiling, not a parameter.
+
+## The Six Principles
+
+1. **Real value** — the mesh holds real production, not speculation.
+2. **Sustainability** — fees are floored and capped; the protocol cannot drain its users.
+3. **Mission-lock** — the Six Principles and fee covenant are immutable; no council can amend them.
+4. **Openness** — anyone may join; the mesh is a public good.
+5. **Ownership** — Holders own their Stash and their Reach; custody is theirs.
+6. **Self-service** — a Holder can act without a custodian; the mesh is jurisdiction-light.
+
+## Bread unit & scale
+
+The unit of value is **Bread**, scaled in 11 tiers: **Grain → Crumb → Bread →
+Loaf → Batch → Cake → Bakery → Granary → Mill → Harvest → Earth.**
+
+## Status
+
+**v0.6 (Nomad Web UI) — in progress.** v0.5 shipped the Bearers Runtime
+(simtest-grade keeper handlers for 8 x/ modules). v0.6 adds the project's
+first UI: a Go `html/template` + HTMX prototype Web UI in `web/` where a
+visitor can sign up to be a Nomad (create a Reach + open a Stash) and
+exercise basic functionality around Reach, Stash, Window, Standing, and
+Bloom. All data is generated test fixtures — no real chain. See
+`.ciagent/oy/ROADMAP.md` for the phase plan and `.ciagent/oy/PROJECT.md`
+for governance.
+
+## Build & test
+
+OpenYield is pure Go with **zero external dependencies** (`go.mod` has no
+`require` lines; `go 1.22`). From the repo root:
+
+```sh
+go build ./...
+go test ./...
+```
+
+## Web UI
+
+The Nomad Web UI (v0.6) is a Go `html/template` server with HTMX progressive
+enhancement, served by a mock HTTP server in `web/` that instantiates the
+real `x/*/types` structs from in-memory fixtures. No node, no build step,
+no real chain. To run it:
+
+```sh
+go run ./web
+# opens on http://localhost:8080 (PORT env var overridable)
+```
+
+Five screens, all reachable from the home nav:
+
+- `/reach` — create a Reach (sign up to be a Nomad) + Reach list/detail
+- `/stash/{holderID}` — Stash dashboard (Grain balance + Bread scale + 90-day maturity)
+- `/window` — Window authorization (open/lifecycle/audit log)
+- `/standing/{reachID}` — Standing + Freeholder signals progress
+- `/bloom/{stashID}` — Bloom accrual view
+
+HTMX is a single vendored JS file (`web/static/htmx.min.js`), NOT a Go
+dependency — `go.mod` stays unchanged (G-006).
+
+## Docs
+
+The docs site is [MkDocs Material](https://squidfunk.github.io/mkdocs-material/)
+(a build-only Python dep; **not** a Go dep — `go.mod` is unchanged). To
+preview locally:
+
+```sh
+mkdocs serve
+# or build to a static site/ dir:
+mkdocs build
+```
+
+The site lives under `docs/` (see `mkdocs.yml` for the nav). Publishing CI is
+deferred to v0.4 (D-046); v0.3 ships the source.
+
+## Lexicon firewall
+
+OpenYield bans 10 financial terms as standalone words (REQ-012) across all Go
+source (`x/**/*.go`), all docs (`README.md` + `docs/**/*.md`), and all web UI
+files (`web/**/*.{html,js,go}`). The banned terms are the words you would
+expect a legacy financial institution to use; this README and the docs describe
+them only by their **safe replacements**, so the firewall itself never trips.
+The firewall is enforced in code by three sibling Go tests:
+
+- `lexicon_meta_test.go` (v0.2) — scans `x/**/*.go`.
+- `lexicon_meta_docs/lexicon_meta_docs_test.go` (v0.3) — scans `README.md` +
+  `docs/**/*.md`.
+- `lexicon_meta_web/lexicon_meta_web_test.go` (v0.6) — scans
+  `web/templates/**` + `web/static/**` + `web/**/*.go`.
+
+All three use `lexicon.FindBannedTerm` (word-boundary, case-insensitive), so
+"OpenYield" is safe (word-boundary does not match the banned term inside an
+identifier) but the standalone banned term is not — docs say **"real
+production"** / **"real return"**, and a Holder's identity is **Holder** /
+**Reach**, never the banned word for a custodial position. See
+`docs/shared/lexicon.md` for the glossary of safe replacements.
+
+## Governance
+
+- `.ciagent/oy/PROJECT.md` — full vision, decisions (D-0xx), assumptions.
+- `.ciagent/oy/PLANS.md` — phase plans (v0.1, v0.2, v0.3).
+- `.ciagent/oy/REQUIREMENTS.md` — REQ coverage matrix.
+- `.ciagent/oy/ROADMAP.md` — release roadmap.

docs/freeholders/anchor-preview.md

@@ -0,0 +1,47 @@
+# Anchor Preview
+
+An **Anchor** (REQ-023) is the fourth and highest tier of the
+[Partner Spectrum](partner-spectrum.md) (REQ-018) — the first **institutional**
+Partner tier. Anchors are coming in v0.3 P4. This page previews what an Anchor
+is and what the v0.3 skeleton will deliver; the runtime behavior is deferred
+to v0.4+.
+
+## What an Anchor is
+
+An Anchor is a Partner that carries an **AnchorCredential**: a jurisdiction
+(e.g., "EU-MiCA"), a custody provider, and a set of attestation references.
+The Anchor tier is how the jurisdiction-light mesh interfaces with
+jurisdiction-bound institutional actors without becoming them. An Anchor
+holds a credential; the [Holder](../nomads/reach.md) still holds their
+[Stash](../nomads/stash.md). The mesh says **custody**, **compliance**, and
+**jurisdiction** — never the legacy institutional words banned by the
+[lexicon](../shared/lexicon.md).
+
+## What is coming in v0.3 P4
+
+v0.3 P4 (REQ-023) extends `x/partner` with the `AnchorCredential` struct and
+a `Partner.AnchorCredential()` accessor (returns nil for non-Anchor tiers).
+The four-tier `PartnerTier` enum (Op, Master Op, Pier, Anchor) is **unchanged**
+— v0.3 adds Anchor-specific fields, not a new tier. The custody-provider-id
+field is a by-ID-string reference to `x/hub` (the Hub API, coming in v0.3 P5),
+empty in the v0.3 skeleton because the Hub is not live until P5/v0.4. This is
+the P4→P5 ordering edge: `x/hub` in P5 references Anchor partner-ids from P4.
+
+## Why Anchors matter to a Freeholder
+
+A Freeholder engaging an Anchor gets a Partner with a verifiable credential
+and a custody/compliance relationship — useful for cross-jurisdiction routes
+and institutional [bonds](bonds.md). The Anchor's [Standing](standing.md) and
+attestations are visible so the Freeholder can verify the Anchor is real
+before opening a [Window](../nomads/window.md). See
+[Partner Spectrum](partner-spectrum.md) for the other three tiers, and
+[Councils & Voice](councils-voice.md) for how the Mesh Council can suspend or
+revoke an Anchor.
+
+## What v0.3 does not deliver
+
+The v0.3 skeleton is types + tests only (D-035): the `AnchorCredential`
+struct, the accessor, and the `ListAnchors()` keeper alias. Live custody
+routing, attestation verification, and the Hub API integration are v0.4+
+runtime work. See [Components](../reference/components.md) for the full
+module map.

docs/freeholders/bonds.md

@@ -0,0 +1,46 @@
+# Bonds
+
+A **Mesh Bond** (REQ-021, vision §17) is a [Stand](stands-guilds.md)-issued
+instrument that pays a **coupon** to its holder over a term and returns the
+principal at maturity. The coupon is bounded by a **mission-locked cap and
+floor**: 8% upper cap, 0% floor (locked `CouponCapBps = 800` and
+`CouponFloorBps = 0` in `x/bond`). The cap exists so the mesh cannot become a
+speculative market; the floor exists so the coupon cannot go negative.
+
+## The coupon clamp
+
+The coupon is clamped to `[floor, cap]` by the `Clamp` helper in `x/bond`
+(same shape as the [Fee Covenant](../shared/six-principles.md) clamp): a
+coupon above 8% is reduced to 8%; a coupon below 0% is raised to 0%; a coupon
+in range is unchanged. The clamp is a tested invariant: below floor → floor,
+above cap → cap, in range → unchanged. This is the Mission Lock's expression
+in the capital layer.
+
+## Why a cap
+
+OpenYield is a public-good mesh for **real production**, not a speculation
+engine. An uncapped coupon market would let a Stand offer arbitrarily high
+coupons to attract Bread, turning the mesh into a speculative race. The 8%
+cap bounds the coupon at a level consistent with real production returns, and
+the [Mission Lock](councils-voice.md) makes the cap non-amendable — no Council
+vote can raise it. The mesh says **coupon** and **real return**, never the
+passive-value or standalone-metric words banned by the
+[lexicon](../shared/lexicon.md).
+
+## The bond lifecycle
+
+A Bond moves through five states (locked `BondStatus` enum in `x/bond`):
+Issued → Active → Matured, with Defaulted and Repaid as terminal paths. The
+issuer is a Stand (referenced by stand-id); the principal is denominated in
+[Grain](../shared/bread-scale.md). The bond market is governed by the
+[Stand Council](councils-voice.md) for the issuing Stand.
+
+## Coming in v0.3 P5
+
+v0.3 P5 (REQ-026) extends the bond market with **Growth Bonds** (a coupon that
+grows over the term, still clamped to the 8% cap) and a **secondary market**
+(Buy/Sell orders on issued bonds). The 8% / 0% consts are unchanged — the
+D-028 regression firewall guarantees v0.3 cannot alter the v0.2 mission-locked
+ceiling. See [Partner Spectrum](partner-spectrum.md) for how Partners relate
+to the bond market, and [Anchor Preview](anchor-preview.md) for the
+institutional tier.

docs/freeholders/councils-voice.md

@@ -0,0 +1,48 @@
+# Councils & Voice
+
+OpenYield governs itself through three **Councils** (REQ-011, vision §19):
+the Mesh Council, the Guild Council, and the Stand Council. Each Freeholder
+participates through the Councils, weighted by **Voice** — a multi-source
+weight that combines [Stash](../nomads/stash.md), [Standing](standing.md),
+Vouch, Freeholder status, and Guild membership. The **Mission Lock** makes
+the covenant non-amendable: no Council can vote to change the
+[Six Principles](../shared/six-principles.md) or the fee covenant.
+
+## The three Councils
+
+- **Mesh Council** — the mesh-wide Council. Handles protocol-level proposals
+  that affect every Holder and every [Stand](stands-guilds.md).
+- **Guild Council** — the Council for [Guilds](stands-guilds.md). Handles
+  Guild-scope proposals, referenced by guild-id.
+- **Stand Council** — the Council for a single Stand, referenced by stand-id.
+  Handles Stand-scope proposals (e.g., Vault use, [Bond](bonds.md) issuance).
+
+The three-tier shape mirrors the three [Storage Pools](../shared/storage-pools.md):
+a Council exists at each layer where custody is held.
+
+## Multi-source Voice
+
+Voice is not one number. It is a weighted tally from five sources (locked as
+the `VoiceSource` enum in `x/council`): Stash, Standing, Vouch, Freeholder,
+and Guild. A Freeholder with high [Standing](standing.md) and a long-held
+Stash carries more Voice than a freshly-minted one. The
+[TallyResult](../reference/components.md) mirrors the Cosmos SDK `x/gov`
+shape so the governance layer can wire to standard tooling. The VoteOption
+enum is **Yes / No / Abstain** — there is no "no-with-veto", an anti-greed
+design choice.
+
+## Mission Lock
+
+The Mission Lock is a locked `const bool` in `x/council`
+(`MissionLockAmendable = false`). The Six Principles, the fee covenant
+(ceiling 0.1% / floor 0.01% / 1-Grain minimum), and the bond coupon cap
+([8% / 0%](bonds.md)) cannot be amended by any Council vote. This is the
+firewall that keeps the mesh a public good: governance can act *within* the
+covenant, never *on* the covenant.
+
+## How a Freeholder participates
+
+A Freeholder submits or votes on proposals in the Councils they belong to.
+Each vote is weighted by multi-source Voice; the tally follows `x/gov`
+semantics. See [Bonds](bonds.md) for the coupon cap the Mission Lock protects,
+and [Standing](standing.md) for the metric that weights a Freeholder's Voice.

docs/freeholders/index.md

@@ -0,0 +1,39 @@
+# 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.

docs/freeholders/partner-spectrum.md

@@ -0,0 +1,42 @@
+# Partner Spectrum
+
+OpenYield defines a four-tier **Partner Spectrum** (REQ-018, vision §13):
+**Op**, **Master Op**, **Pier**, and **Anchor**. Partners are the external
+actors a [Freeholder](index.md) interacts with through the mesh — service
+operators, route providers, and institutional bridges. The four tiers are
+locked as the `PartnerTier` enum in `x/partner` (exactly 4, regression-tested).
+
+## The four tiers
+
+- **Op** — a service operator. Runs a service a Holder uses through a
+  [Window](../nomads/window.md) (e.g., a Maps provider). The lightest tier.
+- **Master Op** — a senior operator. Coordinates multiple Ops or runs a
+  higher-trust service. "Op" is the safe short form; the full word is not
+  used as a standalone term.
+- **Pier** — a routing Partner. Connects the mesh to external venues (e.g.,
+  a DEX or an off-mesh service) and sources [Forex](../reference/components.md)
+  rates. Piers route; they do not custody Holder value.
+- **Anchor** — the first institutional Partner tier. Carries a credential
+  (jurisdiction, custody provider, attestations). See
+  [Anchor Preview](anchor-preview.md) for what is coming in v0.3 P4.
+
+## How Freeholders relate to Partners
+
+A Freeholder authorizes a Partner to act on their behalf through a scoped,
+time-limited, revocable [Window](../nomads/window.md) — never by handing over
+custody. The Partner holds a credential, not the Holder's [Stash](../nomads/stash.md).
+A Partner's [Standing](standing.md) is visible so a Freeholder can choose an
+operator with a real history over a freshly-spun-up alternative (see
+[Maps & Pay](../nomads/maps-pay.md)).
+
+## Partner status
+
+Each Partner has a status (locked `PartnerStatus` enum in `x/partner`):
+Pending → Active, with Suspended and Revoked as the governance paths. The
+[Mesh Council](councils-voice.md) can suspend or revoke a Partner. The four
+tiers and the status enum are unchanged by v0.3 — v0.3 only *extends*
+`x/partner` with the Anchor credential shape (REQ-023), not a new tier.
+
+See [Storage Pools](../shared/storage-pools.md) for why the mesh says
+"Holder" and "Reach" rather than the legacy custodial words, and
+[Bonds](bonds.md) for the coupon market a Partner may route to.

docs/freeholders/signals.md

@@ -0,0 +1,45 @@
+# The Four Freeholder Signals
+
+The four **Freeholder signals** (REQ-005) are the gate to Freeholder
+participation. A [Holder](../nomads/reach.md) who earns all four becomes a
+[Freeholder](index.md) — eligible to join [Stands & Guilds](stands-guilds.md),
+vote in the [Councils](councils-voice.md), and issue [Bonds](bonds.md). The
+signals are deliberately heterogeneous: no single input can be pumped, so the
+path resists gaming.
+
+## 1. The 90-day Stash
+
+A Holder must hold a [Stash](../nomads/stash.md) continuously for 90 days
+(REQ-014). The signal is about **continuity, not size** — a small Stash held
+steadily counts. This filters out transient actors who spin up a position to
+game a vote and then leave. See [Storage Pools](../shared/storage-pools.md)
+for the three-pool model.
+
+## 2. Standing of 4.5★ or higher in 3 categories
+
+A Holder must earn a [Standing](standing.md) of 4.5★ or higher in **three
+distinct categories** (REQ-006). The diversity requirement is the anti-gaming
+core: a Holder cannot reach Freeholder by repeating the same action with the
+same counterparty. Three categories force breadth.
+
+## 3. Capital
+
+The Capital signal requires a Holder to hold a meaningful amount of
+[Bread](../shared/bread-scale.md) in their Stash. The threshold is set by the
+mesh [Councils](councils-voice.md) and is a stake, not a fee: the Holder keeps
+the Bread. Capital aligns the Freeholder's stake with the mesh.
+
+## 4. Vouch
+
+The Vouch signal requires another Freeholder to vouch for the Holder. A
+vouch from a high-[Standing](standing.md) Freeholder carries more weight
+(voucher-weighting), so a single colluding vouch cannot carry a Holder over
+the gate. Vouch is the social signal that ties the other three together.
+
+## Why four, not one
+
+Each signal covers a different attack surface: continuity (90-day Stash),
+breadth (3-category Standing), stake (Capital), and social trust (Vouch).
+Earning all four is the proof a Holder is a participant, not a transient
+gamer. See [Standing](standing.md) for the anti-gaming math, and
+[Bonds](bonds.md) for what a Freeholder can do once the signals are earned.

docs/freeholders/standing.md

@@ -0,0 +1,49 @@
+# Bayesian Standing
+
+**Standing** (REQ-006) is a Holder's measured history on the mesh — the
+anti-gaming metric that gates [Freeholder](index.md) participation and weighs
+[Voice](councils-voice.md) in the [Councils](councils-voice.md). Standing is
+not a count of transactions and not a reputation score you can farm. It is a
+Bayesian score that resists the obvious attacks: volume spam, self-dealing,
+fake vouches.
+
+## The formula, at conceptual depth
+
+Standing combines four signals and a penalty:
+
+- **Bayesian prior + updates.** The mesh starts with a prior for each Holder
+  and updates it from each observed action. A burst of activity cannot
+  inflate Standing because the prior anchors it.
+- **Time-decay.** Old evidence decays, so a Holder cannot rest on a burst
+  from years ago. Standing reflects *recent, sustained* real production.
+- **Diversity weighting.** A Holder who acts across many services, many
+  [Stands](stands-guilds.md), and many [bearers](../nomads/bearers.md) accrues
+  more Standing than one who repeats the same action with the same
+  counterparty. Diversity is the anti-collusion lever.
+- **Voucher-weighting.** A vouch from a high-Standing Freeholder counts for
+  more than a vouch from a low-Standing one. This makes fake vouches expensive:
+  the voucher must themselves have Standing to lose.
+- **Minus slashes.** Bad behavior (failed attestations, broken Pacts) removes
+  Standing. Slashes are the penalty that bounds the upside of gaming.
+
+> The full sub-tables (priors, decay rates, diversity categories, slash
+> conditions) are deferred per PROJECT.md Q2. This page gives the conceptual
+> depth; the [nomads Standing page](../nomads/standing.md) gives the plain-
+> language version.
+
+## Why it cannot be gamed
+
+There is no single input a Holder can pump. Volume is bounded by the Bayesian
+prior; recency is bounded by time-decay; breadth is bounded by diversity;
+social trust is bounded by voucher-weighting; and any attempt that misfires
+costs Standing via slashes. The four signals (the [90-day Stash](signals.md),
+3-category threshold, Capital, Vouch) sit on top of this metric, so the
+Freeholder gate inherits the same anti-gaming property.
+
+## What Standing is not
+
+Standing is not a custodial position, a tier you buy, or legacy history. It
+is a measured, decayed, diversified Bayesian score. See
+[Storage Pools](../shared/storage-pools.md) for why the mesh says "Stash"
+rather than the legacy custodial words, and [Councils & Voice](councils-voice.md)
+for how Standing weights a Freeholder's vote.

docs/freeholders/stands-guilds.md

@@ -0,0 +1,47 @@
+# Stands & Guilds
+
+A **Stand** is a governed group of Holders that holds a [Vault](../shared/storage-pools.md)
+in common (REQ-016). A **Guild** is a looser association of Holders that can
+pass value among its members for free (REQ-017). Both are the organizational
+layer a [Freeholder](index.md) joins after earning the four
+[signals](signals.md).
+
+## The nine Stand types
+
+OpenYield defines exactly nine Stand types (REQ-016, vision §11), locked as a
+const in `x/stand`:
+
+1. **Household** — a family-scale group.
+2. **Crew** — a working team.
+3. **Entity** — a single legal actor.
+4. **Co-op** — a cooperative.
+5. **Circle** — an affinity group.
+6. **Trust** — a trust arrangement.
+7. **Foundation** — a purpose-bound entity.
+8. **Confederation** — a federation of Stands.
+9. **Shadow** — a privacy-preserving Stand.
+
+A Stand's decision policy (threshold or weighted, mirroring the Cosmos SDK
+`x/group` shape) governs how its Vault is used. A Stand can also issue
+[Bonds](bonds.md) — the bond issuer is a Stand, referenced by stand-id.
+
+## Guilds and Hand-Passes
+
+A **Guild** is a looser association: it may affiliate with a Stand or stand
+alone. Inside a Guild, a **Hand-Pass** moves [Bread](../shared/bread-scale.md)
+between members at a **0% protocol fee** (REQ-017, locked `HandPassFeeBps = 0`
+in `x/guild`). The 0% fee is mission-locked: the mesh does not tax the social
+transfer of value among a self-organized group. See the
+[Fee Covenant](../shared/six-principles.md) for the broader fee shape.
+
+## How a Freeholder joins
+
+A Freeholder joins a Stand by becoming a member (the Stand's policy admits
+them) or forms a Guild as a founder. Membership is recorded in `x/stand`
+and `x/guild` respectively, by stand-id / guild-id and the member's
+[Reach](../nomads/reach.md). From a Stand a Freeholder gains Vault access and
+the ability to issue [Bonds](bonds.md); from a Guild a Freeholder gains free
+Hand-Passes with other members.
+
+See [Councils & Voice](councils-voice.md) for how Stands and Guilds each get a
+Council, and [Storage Pools](../shared/storage-pools.md) for the Vault layer.

docs/index.md

@@ -0,0 +1,30 @@
+# OpenYield
+
+OpenYield is a jurisdiction-light, public-good mesh for **real production**. It
+runs on OY Chain (Layer 1), a canonical state layer for the Bread unit, the
+Storage Pools, Standing, Watcher attestations, and the Pact / Council /
+Partner surface. The mesh is anti-greed by construction: Mission Lock fixes
+the Six Principles and fee covenant so no council can amend them, and the
+coupon cap on bonds is a mission-locked ceiling, not a parameter.
+
+## Audiences
+
+The docs are organized by audience:
+
+- **Nomads** — the everyday Holder: your Reach, your Stash, your bearers, how
+  you pay (Maps-Pay), the Pacts you join, and the Window you open. See
+  [Nomads](nomads/index.md).
+- **Freeholders** — the active participant: the four signals, Bayesian
+  Standing, Stands & Guilds, the three Councils and Voice, the bond market,
+  and the four-tier Partner Spectrum. See [Freeholders](freeholders/index.md).
+- **Shared** — concepts common to every audience: the Six Principles, the
+  Bread scale, the three Storage Pools, the Watchers & Mirror, the lexicon
+  glossary, and the vision overview. See [Shared](shared/index.md).
+- **Reference** — the architecture and component map. See
+  [Reference](reference/architecture.md).
+
+## Build the docs
+
+This site is [MkDocs Material](https://squidfunk.github.io/mkdocs-material/),
+a build-only Python dep (not a Go dep). To preview locally, see the
+[README](../README.md) for build instructions.

docs/nomads/bearers.md

@@ -0,0 +1,46 @@
+# Bearers
+
+The **bearers** (REQ-019) are how a Nomad reaches the mesh. OpenYield ships
+six bearers through a single **Unified Bearer Layer**: the mesh does not
+care which bearer a Holder uses — first-to-deliver-wins, and a Nomad can
+switch bearers without switching identity. The [Mirror](../shared/watchers-mirror.md)
+mirrors the canonical state to every bearer so a Nomad can read the mesh's
+real return on any of them.
+
+## The six bearers
+
+| Bearer | Live in v0.2 | What it is |
+|---|---|---|
+| **Internet** | yes | the default bearer; OY Chain over the open internet. |
+| **OY-BLE** | yes | Bluetooth Low Energy; short-range, peer-to-peer, no phone plan. |
+| **OY-WiFi-Direct** | yes | WiFi Direct; local mesh without an access point. |
+| **OY-LR** | yes | Long Range radio (LoRa-class); long-distance, low-bandwidth, surveillance-resistant. |
+| **OY-SAT** | coming (v0.3 P4) | satellite; offline coverage via a satellite constellation. |
+| **OY-QR** | coming (v0.3 P4) | signed QR code; one-shot offline transfer scanned by a peer. |
+
+## What this means for a Nomad
+
+A Nomad does not pick "the right bearer". The four already-live bearers
+(Internet, OY-BLE, OY-WiFi-Direct, OY-LR) cover the everyday situations:
+on the open internet, in a room with another Holder, in a local group with
+no router, or kilometers away with no infrastructure. OY-SAT and OY-QR
+extend that to true-offline paths and are coming in the next phase.
+
+## Surveillance resistance
+
+OY-LR, OY-BLE, OY-WiFi-Direct, OY-SAT, and OY-QR are designed to be
+surveillance-resistant: a Nomad can send or receive value without a
+phone plan, a SIM, or a custodial on-ramp. The bearer is the transport; the
+[Reach](reach.md) is the identity; the [Stash](stash.md) is the storage. None
+of them depends on a custodial position.
+
+## First-to-deliver-wins
+
+The Unified Bearer Layer is first-to-deliver-wins: if a Nomad sends a
+transfer over two bearers at once, the mesh accepts the first one that
+arrives and drops the duplicate. This is why a Nomad can switch bearers
+mid-transfer without double-spending.
+
+See [Watchers & Mirror](../shared/watchers-mirror.md) for how the canonical
+state is mirrored to every bearer, and [Maps & Pay](maps-pay.md) for how a
+Nomad uses a bearer to find and pay for services.

docs/nomads/index.md

@@ -0,0 +1,42 @@
+# Nomads
+
+A **Nomad** is a person using the OpenYield mesh through a **Reach** — the
+protocol-level identity a Holder uses to act on the mesh without a
+custodian, a gatekeeper, or a legacy financial position. The Nomad path
+is the entry path: a Nomad is a Holder who has a Reach and a [Stash](stash.md)
+and is on the way to earning the four Freeholder signals, but has not yet
+earned all four.
+
+## The Nomad path
+
+The pages here cover what a Nomad does day-to-day on the mesh:
+
+- [Reach](reach.md) — the identity; the first Freeholder signal (REQ-005).
+- [Stash](stash.md) — the personal [Storage Pool](../shared/storage-pools.md)
+  where a Nomad holds Bread (REQ-014).
+- [Bearers](bearers.md) — how a Nomad reaches the mesh (REQ-019): Internet,
+  OY-BLE, OY-WiFi-Direct, OY-LR live now; OY-SAT and OY-QR coming.
+- [Maps & Pay](maps-pay.md) — finding services and paying for them.
+- [Pacts](pacts.md) — the six contract shapes a Nomad encounters
+  (REQ-020): Pause, Ground, Stance, Cover, Stand Registry, Hub API.
+- [Standing](standing.md) — the Bayesian anti-gaming metric (REQ-006),
+  and why the mesh cannot be gamed.
+- [Window](window.md) — the delegation primitive (REQ-015): scope,
+  duration, rate-limit, audit-log, revoke.
+
+## Where a Nomad starts
+
+A Nomad starts with a Reach and a Stash — that is enough to begin. From
+there the bearers carry value to the Stash, Maps finds services, Pay and
+the Window let a Nomad use them without giving up custody, and Standing
+accrues as the Nomad acts. A Nomad who earns the 90-day Stash signal, the
+Standing threshold, the Capital signal, and the Vouch signal becomes a
+Freeholder (see the Freeholders section).
+
+## Shared concepts
+
+The Nomad path rests on the [shared concepts](../shared/index.md): the
+[Six Principles](../shared/six-principles.md), the [Bread scale](../shared/bread-scale.md),
+the [Storage Pools](../shared/storage-pools.md), the [Watchers & Mirror](../shared/watchers-mirror.md),
+and the [Lexicon](../shared/lexicon.md). The covenant is the same for
+every audience; the Nomad pages describe how it shows up in everyday use.

docs/nomads/maps-pay.md

@@ -0,0 +1,46 @@
+# Maps & Pay
+
+**Maps** and **Pay** are the day-to-day Mesh Experience a Nomad uses on the
+mesh. Maps finds services; Pay settles them. Both run over the
+[bearers](bearers.md) and read the [Mirror](../shared/watchers-mirror.md) so a
+Nomad can find and pay for a service on a surveillance-resistant bearer
+without an internet connection to OY Chain.
+
+## Maps
+
+Maps is the directory of services a Nomad can reach. A service is anything
+a Partner or a Stand exposes to the mesh: a Care service, a SIM, a Vault,
+a Mailbox (preview of v0.3 P5 — see [Pacts](pacts.md) for the Hub API). Maps
+is sorted by geographic proximity (REQ-007): a Nomad physically closer to a
+service or its operator is shown that service first. There is no paid
+ranking; the order is proximity, not promotion.
+
+## Pay
+
+Pay is how a Nomad settles a service. A payment is a transfer of Bread
+from the Nomad's [Stash](stash.md) to the service operator's Stash, signed
+by the Nomad's [Reach](reach.md). The fee covenant floors and caps the fee;
+inside a Guild, a Hand-Pass is free at the protocol level (REQ-017). Pay
+runs over any bearer, first-to-deliver-wins.
+
+## Authorize, don't hand over
+
+For recurring services a Nomad does not re-sign every payment. Instead
+the Nomad opens a [Window](window.md) to the service: a scoped,
+time-limited, rate-limited, revocable capability that lets the service pull
+value from the Stash within bounds the Nomad set. The Window is audited;
+the Nomad can revoke it at any time. This is the self-service principle in
+practice: the Nomad delegates a capability, not custody.
+
+## Find, pay, verify
+
+A Nomad's loop is:
+
+1. **Find** a service on Maps.
+2. **Pay** once, or **authorize** a [Window](window.md) for recurring use.
+3. **Verify** the service against the Watcher attestations on the Mirror
+   (see [Watchers & Mirror](../shared/watchers-mirror.md)).
+
+See [Stash](stash.md) for where the Bread comes from, [Window](window.md)
+for the delegation primitive, and [Standing](standing.md) for how a
+service operator's history is measured.

docs/nomads/pacts.md

@@ -0,0 +1,41 @@
+# Pacts
+
+The **six Pacts** (REQ-020) are the contract shapes a Nomad encounters on
+the mesh. A Pact is a typed, mission-locked agreement between parties; the
+core terms of the Pause, Ground, and Stance Pacts are **non-amendable** —
+no Council can rewrite them after the fact. A Nomad mostly interacts with
+Pacts through [Maps & Pay](maps-pay.md) and the [Window](window.md)
+primitive, but it helps to know what each one is.
+
+## The six Pacts
+
+| Pact | What it does for a Nomad |
+|---|---|
+| **Pause** | A temporary hold. A Nomad can pause a recurring payment or a Window without voiding it; the Pause core terms are non-amendable. |
+| **Ground** | A baseline obligation the mesh enforces by default — the "ground rules" between a Nomad and a service operator. Non-amendable. |
+| **Stance** | A stated position a party commits to (e.g., a service operator's Stance on jurisdiction-light operation). Non-amendable. |
+| **Cover** | A flat commitment a Stand or a Partner offers to cover a Nomad against a defined failure; a Nomad reads Cover when choosing a service. |
+| **Stand Registry** | The registry of the nine [Stand](../shared/storage-pools.md) types (Household, Crew, Entity, Co-op, Circle, Trust, Foundation, Confederation, Shadow) a Nomad can join. |
+| **Hub API** | The B2B backbone (preview of v0.3 P5) — the Hub Pact exposes custody, a lending primitive, and compliance to service operators. A Nomad sees the Hub through Maps, not directly. |
+
+## What a Nomad actually does with Pacts
+
+A Nomad does not draft Pacts by hand. The flow is:
+
+1. **Find** a service on [Maps & Pay](maps-pay.md).
+2. The service's terms are backed by one or more Pacts (e.g., a recurring
+   payment is a Pause-able Window; a Stand's service is registered in the
+   Stand Registry).
+3. The Nomad **authorizes** a [Window](window.md) scoped to those terms.
+
+## Mission Lock
+
+The Pause, Ground, and Stance core terms are mission-locked: a `const`
+flag in the Pact module marks them non-amendable, and an invariant test
+asserts that flag can never flip. A Nomad can rely on the ground rules
+not changing. See [Six Principles](../shared/six-principles.md) for the
+mission-lock covenant.
+
+See [Window](window.md) for the delegation primitive the Pacts are
+delivered through, and [Standing](standing.md) for how a service
+operator's history is measured.

docs/nomads/reach.md

@@ -0,0 +1,48 @@
+# Reach
+
+A **Nomad** is a person using the OpenYield mesh through a **Reach** — the
+protocol-level identity that lets a Holder act on the mesh without a
+custodian, a gatekeeper, or a legacy financial position. The Reach is the
+first of the four Freeholder signals (REQ-005), and it is the baseline every
+Nomad starts from: a Nomad is a Holder who has a Reach and a Stash but has not
+yet earned all four Freeholder signals.
+
+## What a Reach is
+
+A Reach is an identity, not a custodial position. It is the by-ID-string a
+Holder uses to receive value, open a [Window](window.md), join a Stand, or
+pay for a service. The protocol does not require KYC at the protocol layer;
+the Reach is the unit of self-service (see [Six
+Principles](../shared/six-principles.md)).
+
+## How a Nomad starts
+
+A Nomad starts with two things:
+
+1. **A Reach** — the identity.
+2. **A [Stash](stash.md)** — the personal [Storage Pool](../shared/storage-pools.md)
+   where the Holder holds Bread.
+
+That pair is enough to begin. From there a Nomad can use the [bearers](bearers.md)
+to reach the mesh, find services on [Maps & Pay](maps-pay.md), authorize a
+[Window](window.md) to a partner, and accrue [Standing](standing.md).
+
+## Geographic proximity
+
+The mesh processes actions first-come, first-served with a
+geographic-proximity preference (REQ-007) — a Nomad physically closer to a
+service or a Stand's region is served first. The Reach is how the mesh
+identifies the Nomad for that ordering; there is no separate tier to buy into.
+
+## The four Freeholder signals
+
+The Reach is the first Freeholder signal. The four signals (REQ-005) are
+earned over time: the 90-day [Stash](stash.md) signal, the Standing
+threshold, the Capital signal, and the Vouch signal. A Nomad who earns all
+four becomes a Freeholder (see the Freeholders section). The pages here cover
+the Nomad path — everything up to that point.
+
+See [Stash](stash.md) for the Storage Pool a Reach holds Bread in,
+[Bearers](bearers.md) for how to reach the mesh, and
+[Standing](standing.md) for the anti-gaming metric that accrues as a Nomad
+acts on the mesh.

docs/nomads/standing.md

@@ -0,0 +1,44 @@
+# Standing
+
+**Standing** (REQ-006) is a Holder's measured history on the mesh. It is
+the anti-gaming metric: a Bayesian score with time-decay, diversity
+weighting, and voucher-weighting, minus slashes for bad behavior. For a
+Nomad, the headline is that the mesh **cannot be gamed** — Standing
+rewards real production and resists the obvious attacks (volume spam,
+self-dealing, fake vouches).
+
+## What Standing is, in plain language
+
+Standing is not a count of transactions. It is a Bayesian score: the mesh
+starts with a prior, updates it from each observed action, and decays
+old evidence so a Holder cannot rest on a burst of activity from years
+ago. Diversity weighting means a Nomad who acts across many services,
+many Stands, and many bearers accrues more Standing than a Nomad who
+repeats the same action with the same counterparty. Voucher-weighting
+means a vouch from a Holder with high Standing counts for more.
+
+## Why it matters to a Nomad
+
+A Nomad mostly reads Standing, not computes it. Two places it shows up:
+
+- **Choosing a service.** Maps shows a service operator's Standing so a
+  Nomad can pick an operator with a real history over a freshly-spun-up
+  alternative (see [Maps & Pay](maps-pay.md)).
+- **The Freeholder path.** Earning a Standing threshold in 3 categories
+  is one of the four Freeholder signals (REQ-005). A Nomad who accrues
+  Standing over time is on the path to becoming a Freeholder.
+
+## What Standing is not
+
+Standing is not a custodial position, a tier you buy, or a reputation
+score you can farm. It is not legacy custodial history. The
+Bayesian + time-decay + diversity design is exactly what makes it hard to
+game: there is no single input a Holder can pump.
+
+## The math, deferred
+
+The full Bayesian formula (priors, decay rates, diversity sub-tables,
+slash conditions) is documented in the Freeholders section — a Nomad does
+not need the math to use the mesh. See
+[Six Principles](../shared/six-principles.md) for the covenant Standing
+enforces, and [Reach](reach.md) for the identity a Standing accrues to.

docs/nomads/stash.md

@@ -0,0 +1,48 @@
+# Stash
+
+A **Stash** is a Holder's personal [Storage Pool](../shared/storage-pools.md)
+(REQ-014). It is the place a Nomad holds Bread, and it is the second thing a
+Nomad needs after a [Reach](reach.md) to begin. The Stash is the unit of
+self-service: the Holder owns it, controls it, and can delegate a scoped,
+time-limited, revocable [Window](window.md) to a partner or a service
+without giving up custody.
+
+## What a Stash is
+
+The Stash is the Holder-level layer of the three Storage Pools (Stash,
+Vault, Root-Pool). It is a storage layer, not a custodial position: the
+protocol holds the canonical state that records who owns what; the Holder
+holds the value. There is no custodian between a Nomad and their Stash.
+
+## How a Nomad uses a Stash
+
+A Nomad moves Bread into a Stash through the [bearers](bearers.md) — a
+Holder on a surveillance-resistant bearer can receive value without an
+internet connection to OY Chain. From the Stash a Nomad can:
+
+- **Hold** Bread (the unit of value — see [Bread scale](../shared/bread-scale.md)).
+- **Pass** value to another Reach (the Hand-Pass, free at the protocol
+  level inside a Guild).
+- **Pay** for a service via [Maps & Pay](maps-pay.md).
+- **Authorize** a [Window](window.md) so a partner or service can read the
+  Stash within bounds the Holder set.
+
+## The 90-day Freeholder signal
+
+Holding a Stash continuously for 90 days is the first of the four
+Freeholder signals (REQ-005). The Stash does not need to hold a large
+amount — the signal is about continuity, not size. A Nomad who keeps a
+Stash for 90 days and earns the other three signals (Standing, Capital,
+Vouch) becomes a Freeholder.
+
+## Delegation, not custody
+
+The Stash stays the Holder's. When a Nomad opens a Window to a service,
+the service gets a scoped capability (e.g., "read Stash balance for the
+next hour", "spend up to N Grain on this service this week") — it does not
+get custody. The Window is revocable, rate-limited, and audited. See
+[Window](window.md) for the primitive.
+
+See [Storage Pools](../shared/storage-pools.md) for the full three-pool
+model, and [Bearers](bearers.md) for how value reaches a Stash over a
+surveillance-resistant bearer.

docs/nomads/window.md

@@ -0,0 +1,45 @@
+# Window
+
+A **Window** (REQ-015) is the primitive a Nomad uses to delegate a
+capability without delegating custody. It is scoped, time-limited,
+rate-limited, audited, and revocable. A Nomad opens a Window so a partner
+or a service can act on the Nomad's [Stash](stash.md) within bounds the
+Nomad set — the partner never gets custody, and the Nomad can close the
+Window at any time.
+
+## The five parts of a Window
+
+| Part | What it bounds |
+|---|---|
+| **Scope** | what the grantee can do (e.g., read Stash balance, spend up to N Grain on a specific service). |
+| **Duration** | when the Window starts and ends (a start time and an end time). |
+| **Rate limit** | how many actions per duration window (e.g., at most 10 reads per hour). |
+| **Audit log** | an append-only log of every action the grantee took under the Window. |
+| **Revoke** | the Nomad can revoke the Window at any time; revoke after expiry is a no-op. |
+
+## Why a Nomad opens one
+
+A Nomad opens a Window for the same reason a Nomad uses [Maps & Pay](maps-pay.md):
+to let a service do something on the Nomad's behalf without handing over
+the Stash. Common examples:
+
+- A recurring service (e.g., a Care service) pulls a capped amount of
+  Bread from the Stash each week, within a rate limit the Nomad set.
+- A partner reads the Stash balance for a compliance check, scoped to
+  read-only, time-limited to one hour.
+- A Stand operator processes a Pass-Act on the Nomad's behalf inside a
+  scoped, audited Window.
+
+## Lifecycle
+
+A Window moves through a fixed lifecycle: **Open → Active → Revoked** or
+**Expired**. A Nomad can revoke at any point; revoking after expiry is a
+no-op (idempotent). The lifecycle is mission-locked: a partner cannot
+extend a Window past its end time — the Nomad must open a new one.
+
+## Self-service, by design
+
+The Window is the self-service principle in code. The protocol records
+the Window on OY Chain; the partner holds only the capability, never the
+value. See [Six Principles](../shared/six-principles.md) for the covenant,
+and [Pacts](pacts.md) for the contract shapes delivered through Windows.

docs/reference/architecture.md

@@ -0,0 +1,51 @@
+# Architecture
+
+This is the architecture index for OpenYield. The mesh is built from 14
+modular components and 6 cross-component interfaces, with a critical blocker
+chain that fixes the build order. The full governance source lives in
+`.ciagent/oy/ARCHITECTURE.md`; this page is the user-facing rewrite, kept
+lexicon-clean by the [docs firewall](../shared/lexicon.md).
+
+## The 14 modular components
+
+| # | Component | Vision § | Phase |
+|---|---|---|---|
+| 1 | OY Chain & Mirror | §7 | P1 |
+| 2 | Cross-Chain & Exit | §7 | P3 |
+| 3 | Bread Unit & Root Basket | §6, §16 | P1 |
+| 4 | Bloom Engine | §6 | P1 |
+| 5 | Storage Substrate | §5 | P1 |
+| 6 | Identity, Standing & Citizenship | §8, §9 | P1 |
+| 7 | Window Primitive | §10 | P2 |
+| 8 | Pacts Suite (Pause, Ground, Stance, Cover, Stand Registry, Hub API, Bonds) | §16, §17 | P2 |
+| 9 | Mesh Experience (Maps, Pay) | §8 | P1 |
+| 10 | Organizational Primitives (Stands, Guilds) | §11, §12 | P2 |
+| 11 | Partner Spectrum & Forex | §13 | P2 |
+| 12 | Bearers & Processing Mesh | §14, §15 | P1 |
+| 13 | Fee Covenant | §18 | P1 |
+| 14 | Governance (Mesh/Guild/Stand Councils) | §19 | P2 |
+
+## The 6 cross-component interfaces
+
+1. **Standing API** — consumed by Identity, Window, Pacts, Orgs, Partners,
+   and Governance. See [Standing](../freeholders/standing.md).
+2. **Forge / Fold Interface** — mints [Bread](../shared/bread-scale.md)
+   against Root Basket assets only. See the Bloom Engine.
+3. **Watcher Attestation Interface (the Mirror)** — 9 Watchers, 6-of-9
+   quorum. See [Watchers & Mirror](../shared/watchers-mirror.md).
+4. **Window Lifecycle Interface** — Holder-authorized, scope-bounded,
+   revocable. See [Window](../nomads/window.md).
+5. **Fee Covenant Interface** — auto-decline, ceiling/floor enforced.
+   See [Six Principles](../shared/six-principles.md).
+6. **Voice / Council Interface** — multi-source Voice, Mission Lock enforced.
+   See [Councils & Voice](../freeholders/councils-voice.md).
+
+## The critical blocker chain
+
+The components build in a fixed order: OY Chain (1) → Bread/Root Basket (3)
+→ Storage (5) → Identity/Standing (6), which then unblocks {Window (7),
+Pacts (8), Orgs (10), Partners (11), Governance (14)}. The Fee Covenant (13)
+blocks Pacts, Orgs, Partners, and Bearers — the fee shape must exist before
+any of those can ship. v0.3 adds the Cross-Chain & Exit layer (component 2)
+and the Bearers/Partner/Bond extensions; see [Components](components.md) for
+the `x/` module map and the v0.3 phase status.

docs/reference/components.md

@@ -0,0 +1,62 @@
+# Component Map
+
+This is the `x/` module map for OpenYield. Each module is a Cosmos-SDK-style
+`x/<name>/types/` package, zero external Go deps (G-006), referenced by
+ID-string across modules (G-003 — no struct imports). The map covers v0.1,
+v0.2, and v0.3 (skeleton + tests depth, D-020/D-035).
+
+## v0.1 baseline (pre-MVP skeleton)
+
+| Module | Vision § | REQ | Purpose |
+|---|---|---|---|
+| `x/mesh` | §7 | REQ-008 | OY Chain (Layer 1) shell |
+| `x/mirror` | §7 | REQ-004 | Mirror of canonical state to bearers |
+| `x/bread` | §4, §6 | REQ-013 | Bread unit + 11-tier scale |
+| `x/bloom` | §6 | REQ-003 | Bloom Engine (real production only) |
+| `x/forge` | §4.2 | REQ-003 | Forge/Fold minting against Root Basket |
+| `x/rootpool` | §5 | REQ-014 | Root-Pool (mesh treasury) |
+| `x/stash` | §5 | REQ-014 | Stash (Holder-level storage pool) |
+| `x/vault` | §5 | REQ-014 | Vault (Stand-level storage pool) |
+| `x/identity` | §8 | REQ-005 | Reach identity (Holder, no KYC) |
+| `x/standing` | §9.2 | REQ-006 | Bayesian Standing |
+| `x/processing` | §15 | REQ-007 | FCFS processing mesh |
+| `x/watcher` | §7 | REQ-004 | 9 Watchers, 6-of-9 quorum |
+| `x/feecovenant` | §18 | REQ-002 | Fee ceiling/floor/minimum |
+| `x/still` | §3 | — | Still/Stir pause/resume state |
+| `x/bearers` | §14 | REQ-019 | Unified Bearer Layer (6 bearers) |
+
+## v0.2 (The Mesh — skeleton + tests)
+
+| Module | Vision § | REQ | Purpose |
+|---|---|---|---|
+| `x/window` | §10 | REQ-015 | Window primitive (scope, rate-limit, revoke) |
+| `x/stand` | §11 | REQ-016 | Nine Stand types |
+| `x/guild` | §12 | REQ-017 | Guilds + Hand-Passes at 0% protocol fee |
+| `x/pact` | §16 | REQ-020 | Six Pacts (Pause, Ground, Stance, Cover, Stand Registry, Hub API) |
+| `x/partner` | §13 | REQ-018 | Four-tier Partner Spectrum (Op, Master Op, Pier, Anchor) |
+| `x/council` | §19 | REQ-011 | Three Councils + Mission Lock (non-amendable) |
+| `x/forex` | §13 | Forex v1 | Forex Engine v1 (pair type + oracle interface) |
+| `x/bond` | §17 | REQ-021 | Mesh Bond Market (8% cap / 0% floor clamp) |
+| `x/satellite` | §7 | REQ-009 | L2 IBC Satellite (Polygon active + 4 stubs) |
+
+## v0.3 (Bearers & Documentation — in progress)
+
+| Module | Vision § | REQ | Status | Purpose |
+|---|---|---|---|---|
+| `x/bridge` | §7 | REQ-010 | P4 (pending) | L2↔L1 bridge routes |
+| `x/exit` | §7 | REQ-010 | P4 (pending) | Exit routes + DEX swaps |
+| `x/bearers` (ext) | §14 | REQ-022 | P4 (pending) | OY-SAT + OY-QR transport stubs |
+| `x/partner` (ext) | §13 | REQ-023 | P4 (pending) | AnchorCredential (Anchor tier) |
+| `x/hub` | §13, §16 | REQ-024 | P5 (pending) | Hub API (Custody, Lending, Compliance) |
+| `x/services` | §13 | REQ-025 | P5 (pending) | Services (Care, SIM, Vault, Mail) |
+| `x/bond` (ext) | §17 | REQ-026 | P5 (pending) | Growth Bonds + secondary market |
+
+## Notes
+
+- Every module follows the same pattern: `types/types.go` + `types/types_test.go`
+  (package `types`), zero external deps, by-ID-string inter-module refs (G-003).
+- Each new/extended test file includes a lexicon assertion (REQ-012); the
+  project-wide meta-test (`lexicon_meta_test.go`) scans all `x/**/*.go`.
+- The docs firewall (`lexicon_meta_docs_test.go`) scans `README.md` + all
+  `docs/**/*.md`. See the [architecture index](architecture.md) for the
+  14-component view and the 6 cross-component interfaces.

docs/shared/bread-scale.md

@@ -0,0 +1,35 @@
+# Bread scale
+
+The unit of value in OpenYield is **Bread** (REQ-013). Bread is scaled in 11
+tiers, each 1,000× the previous, so a Holder can reason about a Crumb and a
+Granary in the same mental model:
+
+| Tier | Name | Multiple |
+|---|---|---|
+| 1 | **Grain** | 1 |
+| 2 | **Crumb** | 1,000 Grain |
+| 3 | **Bread** | 1,000 Crumb |
+| 4 | **Loaf** | 1,000 Bread |
+| 5 | **Batch** | 1,000 Loaf |
+| 6 | **Cake** | 1,000 Batch |
+| 7 | **Bakery** | 1,000 Cake |
+| 8 | **Granary** | 1,000 Bakery |
+| 9 | **Mill** | 1,000 Granary |
+| 10 | **Harvest** | 1,000 Mill |
+| 11 | **Earth** | 1,000 Harvest |
+
+## Why 11 tiers
+
+The 11-tier scale gives the mesh a single unit for everything from a
+1-Grain internal minimum (the Fee Covenant floor) to the Earth-tier totals
+held in the Root-Pool. There is no separate "small unit" and "large unit":
+the Bread scale is the unit. The 1-Grain minimum prevents dust games; the
+tier names keep human-readable values at every scale.
+
+## Where Bread lives
+
+Bread is held in the three [Storage Pools](storage-pools.md): the Stash
+(Holder-level), the Vault (Stand-level), and the Root-Pool (treasury). The
+Watchers attest to the state of the pools daily; the Mirror mirrors the
+canonical state to the bearers. See [Watchers & Mirror](watchers-mirror.md)
+for the attestation layer.

docs/shared/index.md

@@ -0,0 +1,16 @@
+# Shared concepts
+
+The Shared section holds the concepts common to every OpenYield audience —
+Nomads and Freeholders alike. These are the covenant-level ideas that make
+OpenYield a public-good mesh rather than a custodial platform.
+
+- [Six Principles](six-principles.md) — the immutable covenant (REQ-001).
+- [Bread Scale](bread-scale.md) — the unit of value and its 11 tiers (REQ-013).
+- [Storage Pools](storage-pools.md) — the three pools (Stash, Vault, Root-Pool) (REQ-014).
+- [Watchers & Mirror](watchers-mirror.md) — the 9 Watchers, 6-of-9 quorum, the Mirror (REQ-004).
+- [Lexicon](lexicon.md) — why 10 terms are banned, and what to say instead (REQ-012).
+- [Vision](vision.md) — the OpenYield covenant in brief.
+
+See the [README](../index.md) for build instructions, or the
+[Nomads](../nomads/index.md) and [Freeholders](../freeholders/index.md)
+sections for audience-specific docs.

docs/shared/lexicon.md

@@ -0,0 +1,148 @@
+# Lexicon
+
+OpenYield bans 10 financial terms as standalone words (REQ-012). The firewall
+scans every Go file under `x/` and every Markdown file under `README.md` +
+`docs/`, and fails the build on any standalone occurrence. This page documents
+**why** the terms are banned and **what to say instead** — the replacements,
+not the banned literals.
+
+## Why a lexicon
+
+The words a legacy financial institution uses carry the shapes of that
+institution: custodial positions, jurisdiction-bound units, and
+speculation-language. OpenYield is a jurisdiction-light, public-good mesh for
+real production; using the old words would import the old shapes. The
+lexicon firewall keeps the mesh's language aligned with its covenant. The
+firewall is enforced in code by two sibling Go tests
+(`lexicon_meta_test.go` for `x/**/*.go`;
+`lexicon_meta_docs/lexicon_meta_docs_test.go` for `README.md` +
+`docs/**/*.md`), both using `lexicon.FindBannedTerm` (word-boundary,
+case-insensitive). Word-boundary matching means "OpenYield" is safe — the
+firewall bans standalone words, not substrings.
+
+## The 10 banned terms and their safe replacements
+
+The firewall bans 10 standalone words. This page does not write the banned
+words as literals (the firewall scans this page); it describes them by the
+concept each belongs to, and gives the safe replacement.
+
+### 1. The custodial-position word
+
+A legacy institution holds your value in a custodial position. OpenYield
+does not: a Holder owns their **Stash**, a Stand owns its **Vault**, the mesh
+owns the **Root-Pool**. The Holder's identity is a **Reach**, and the Holder
+themselves is a **Holder** — never the banned custodial-position word.
+
+- Banned: the word for a custodial position.
+- Safe: **Holder**, **Reach**, **Stash**, **Vault**, **Root-Pool**.
+
+### 2. The legacy-institution word
+
+The legacy financial institution itself is banned as a concept. OpenYield is
+a **mesh**, a **public good**, a **protocol** — not that word.
+
+- Banned: the word for a legacy financial institution.
+- Safe: **mesh**, **protocol**, **public good**.
+
+### 3. The place-value word
+
+The word for a place to hold value under custody is banned. Use the
+**Stash** (Holder-level), the **Vault** (Stand-level), or the **Root-Pool**
+(treasury).
+
+- Banned: the word for a place value is held.
+- Safe: **Stash**, **Vault**, **Root-Pool**, **Storage Pools**.
+
+### 4. The put-in word
+
+The verb for putting value into a custodial position is banned. Use **hold**,
+**store**, **move**, or **transfer**.
+
+- Banned: the verb for placing value under custody.
+- Safe: **hold**, **store**, **move**, **transfer**, **Pass-Act**.
+
+### 5. The passive-value word
+
+The word for value earned passively on a custodial position is banned. For
+bonds, use **coupon**. For the mesh's metric, use **real production** or
+**real return**.
+
+- Banned: the word for passive value on a custodial position.
+- Safe: **coupon**, **real production**, **real return**.
+
+### 6. The standalone metric word
+
+The standalone word for a return metric is banned (it is the same concept as
+#5 in verb form). Use **real production**, **real return**, or **coupon**
+(for bonds). "OpenYield" is safe — word-boundary matching does not flag the
+banned term inside an identifier.
+
+- Banned: the standalone return-metric word.
+- Safe: **real production**, **real return**, **coupon**. **OpenYield** is safe.
+
+### 7. The medium-of-exchange word
+
+The word for a national medium of exchange is banned. The mesh's unit is
+**Bread** (see [Bread scale](bread-scale.md)). For a foreign-exchange pair,
+use **Forex** (allowed) with **base-asset** / **quote-asset** labels, or
+**Bread / Asset**.
+
+- Banned: the word for a national medium of exchange.
+- Safe: **Bread**, **asset**, **Forex**, **base-asset**, **quote-asset**.
+
+### 8. The first national-unit word
+
+The word for the first major national unit is banned. Use **Bread** or
+opaque chain names (e.g., "Polygon", "OY-Chain").
+
+- Banned: the first national-unit word.
+- Safe: **Bread**, **asset**, chain names.
+
+### 9. The second national-unit word
+
+The word for the second major national unit is banned (the firewall bans it
+as a standalone word; "european" is safe by word-boundary). Use **Bread** or
+opaque chain names.
+
+- Banned: the second national-unit word.
+- Safe: **Bread**, **asset**, chain names. **European** is safe (word-boundary).
+
+### 10. The set-aside word
+
+The word for value set aside under custody is banned. Use **Stash**,
+**Vault**, or **Root-Pool**.
+
+- Banned: the word for value set aside.
+- Safe: **Stash**, **Vault**, **Root-Pool**.
+
+### 11. The holder-of-value word
+
+The word for the person who holds value under custody at a legacy
+institution is banned. Use **Holder**, **Freeholder**, or **Nomad**.
+
+- Banned: the word for a custodial-position holder.
+- Safe: **Holder**, **Freeholder**, **Nomad**, **Reach**.
+
+> **Note**: the firewall bans 10 standalone words; this page lists 11
+> replacements because two of the banned words (the passive-value word and
+> the standalone metric word) share a concept and get the same replacement
+> family (**coupon** / **real production** / **real return**).
+
+## How the firewall works
+
+The firewall uses `lexicon.FindBannedTerm` — a word-boundary, case-insensitive
+regex match — so:
+
+- "OpenYield" is **safe**: the standalone banned term inside an identifier
+  does not match (word-boundary).
+- "european" is **safe**: the standalone national-unit word inside a larger
+  word does not match.
+- The standalone banned word in prose **is** matched and fails the build.
+
+The firewall's own source (`lexicon/lexicon.go`) assembles the banned terms
+at runtime from two-character fragments, so the firewall's own code does not
+contain any banned term as a literal substring. The two sibling meta-tests
+(`lexicon_meta_test.go` and `lexicon_meta_docs/lexicon_meta_docs_test.go`)
+each include a self-test table that verifies detection of all 10 banned
+terms from the single source `lexicon.BannedTerms()` (G-014 drift
+prevention).

docs/shared/six-principles.md

@@ -0,0 +1,54 @@
+# Six Principles
+
+The Six Principles are the immutable covenant of OpenYield (REQ-001). They
+are **Mission-locked**: no Council can amend them, and the fee covenant is
+locked alongside them. The mesh exists to hold real production, not
+speculation; everything else follows from that.
+
+## 1. Real value
+
+The mesh holds **real production**. The Bread unit is the unit of real value
+held in the Storage Pools; the bond market caps coupons so the mesh cannot
+become a speculation engine. "Real return" is the metric, not a nominal rate.
+
+## 2. Sustainability
+
+Fees are floored and capped. The fee covenant fixes a ceiling and a floor
+(see the Fee Covenant module), and the 1-Grain internal minimum prevents dust
+games. The protocol cannot drain its users, and it cannot starve its
+Watchers.
+
+## 3. Mission-lock
+
+The Six Principles and the fee covenant are immutable. No Council — Mesh,
+Guild, or Stand — can amend them. Mission Lock is a `const` in the council
+module, and an invariant test asserts it can never be set to amendable. The
+coupon cap on bonds is a mission-locked ceiling, not a parameter a Council
+can tune.
+
+## 4. Openness
+
+Anyone may join. The mesh is a public good. A Holder needs only a Reach (an
+identity) and a Stash (a storage pool) to begin; there is no gatekeeper and
+no custodian.
+
+## 5. Ownership
+
+Holders own their Stash and their Reach. Custody is theirs: the Stash is the
+Holder-level storage pool, the Vault is the Stand-level pool, and the
+Root-Pool is the treasury. The protocol does not custody user value; it
+holds the canonical state that records who owns what.
+
+## 6. Self-service
+
+A Holder can act without a custodian. The Window primitive lets a Holder
+delegate a scope-bounded, time-limited, revocable capability to a partner or
+a service; the bearers (OY-LR, OY-BLE, OY-WiFi-Direct, OY-SAT, OY-QR) let a
+Holder reach the mesh without a phone plan or a custodial on-ramp. The mesh
+is jurisdiction-light by design.
+
+---
+
+See the [Vision](vision.md) for the covenant in brief, or the
+[Lexicon](lexicon.md) for why the docs say "real production" and "Holder"
+rather than the words a legacy financial institution would use.

docs/shared/storage-pools.md

@@ -0,0 +1,48 @@
+# Storage Pools
+
+OpenYield has three Storage Pools (REQ-014). Each is a layer of custody
+responsibility, and none of them is a custodial position — the protocol holds
+the canonical state that records who owns what; the Holder, the Stand, and
+the mesh treasury each hold their own pool.
+
+| Pool | Level | Held by | Purpose |
+|---|---|---|---|
+| **Stash** | Holder | a single Holder | the personal storage pool; the unit of self-service |
+| **Vault** | Stand | a Stand (a governed group) | the Stand-level pool; the unit of shared ownership |
+| **Root-Pool** | Mesh | the mesh treasury | the canonical treasury; the unit of the public good |
+
+## The Stash
+
+The Stash is the Holder-level storage pool. A Holder needs only a Reach (an
+identity) and a Stash to begin. The Stash is the unit of self-service: the
+Holder owns it, controls it, and can delegate a scoped, time-limited,
+revocable Window to a partner or a service without giving up custody. See
+[Watchers & Mirror](watchers-mirror.md) for the attestation layer that
+records Stash state.
+
+## The Vault
+
+The Vault is the Stand-level storage pool. A Stand is a governed group
+(one of the nine Stand types: Household, Crew, Entity, Co-op, Circle,
+Trust, Foundation, Confederation, Shadow) that holds a Vault in common. The
+Stand's decision policy (threshold or weighted, mirroring the Cosmos SDK
+`x/group` shape) governs how the Vault is used. See the Freeholders section
+for Stands & Guilds.
+
+## The Root-Pool
+
+The Root-Pool is the mesh treasury. It holds the canonical state of the
+Bread unit, the Watcher bonds, and the Root Basket. The Root-Pool is the
+unit of the public good: the Watchers attest to its state daily, and the
+Mirror mirrors it to the bearers so a Holder can verify the mesh's real
+return without trusting a single custodian.
+
+## Custody, not custody
+
+The three pools are storage layers, not custodial positions. The protocol
+does not custody user value; it holds the canonical state that records who
+owns what. A Holder's Stash is theirs; a Stand's Vault is the Stand's; the
+Root-Pool is the mesh's. The Window primitive lets a Holder delegate a
+capability without delegating custody. See the [Lexicon](lexicon.md) for
+why the docs say "Stash", "Vault", and "Root-Pool" rather than the words a
+legacy financial institution would use.

docs/shared/vision.md

@@ -0,0 +1,64 @@
+# Vision
+
+OpenYield is a jurisdiction-light, public-good mesh for **real production**.
+The vision is a covenant, not a product: the mesh holds real value, the Six
+Principles are immutable, and the protocol cannot become a custodial
+platform. This page is the brief overview; the full vision source lives in
+`.ciagent/oy/PROJECT.md`.
+
+## The covenant
+
+OpenYield exists to hold **real production** — the real return of real work,
+held in the Bread unit, in the three Storage Pools, attested by the Watchers,
+mirrored by the Mirror. The covenant is anti-greed by construction:
+
+- **Mission Lock** fixes the Six Principles and the fee covenant. No Council
+  — Mesh, Guild, or Stand — can amend them. The coupon cap on bonds is a
+  mission-locked ceiling, not a parameter.
+- **Jurisdiction-light** — the bearers (OY-LR, OY-BLE, OY-WiFi-Direct, OY-SAT,
+  OY-QR) let a Holder reach the mesh without a phone plan or a custodial
+  on-ramp. A Holder needs only a Reach and a Stash to begin.
+- **Public good** — the mesh is open to all. The Watchers attest daily; the
+  Mirror mirrors the state; anyone can verify the mesh's real return without
+  trusting a single custodian.
+
+## The layers
+
+1. **OY Chain** (Layer 1) — the canonical state: the Bread unit, the
+   Storage Pools, Standing, Watcher attestations, the Pact / Council /
+   Partner surface.
+2. **Satellites** (Layer 2) — wrapped Bread propagates to satellite chains
+   (Polygon active; Base, Arbitrum, Optimism, Solana as enum placeholders)
+   via IBC.
+3. **Bearers** — the surveillance-resistant transport layer: OY-LR (LoRa,
+   long-range), OY-BLE (Bluetooth), OY-WiFi-Direct, OY-SAT (satellite),
+   OY-QR (paper / QR code). The Mirror mirrors canonical state to them.
+4. **Exits** — the Layer 3 exit layer: Holder-initiated DEX swaps and
+   off-mesh service exits, with bridge routes for cross-chain exits.
+
+## The actors
+
+- **Holders** (Nomads) — the everyday participants, each with a Reach and a
+  Stash.
+- **Freeholders** — the active participants who run Stands, Guilds, and
+  Councils.
+- **Partners** — the four-tier spectrum (Op, MasterOp, Pier, Anchor) that
+  processes Pass-Acts and provides credentials and institutional backing.
+- **Watchers** — the 9 attesters with 6-of-9 quorum and 100,000 Bread bonds.
+
+## The units
+
+- **Bread** — the unit of real value (see [Bread scale](bread-scale.md)).
+- **Standing** — the reputation layer (the four signals, Bayesian Standing).
+- **Voice** — the governance input (multi-source: Stash, Standing, Vouch,
+  Freeholder, Guild).
+- **Coupon** — the bond-market term (capped at 8% / floored at 0%, mission-locked).
+
+## Where to go next
+
+- [Six Principles](six-principles.md) — the immutable covenant.
+- [Storage Pools](storage-pools.md) — the three pools.
+- [Watchers & Mirror](watchers-mirror.md) — the attestation layer.
+- [Lexicon](lexicon.md) — why the docs say "real production" and "Holder".
+- [README](../../README.md) — build & test instructions.
+- `.ciagent/oy/PROJECT.md` — the full vision source.

docs/shared/watchers-mirror.md

@@ -0,0 +1,42 @@
+# Watchers & Mirror
+
+OpenYield is attested by **9 Watchers** with a **6-of-9 quorum** (REQ-004).
+The Watchers make daily attestations to the canonical state, and each posts
+a 100,000 Bread bond. The **Mirror** mirrors the canonical state to the
+bearers so a Holder can verify the mesh's state without trusting a single
+Watcher.
+
+## The 9 Watchers
+
+The Watchers are the attestation layer of the mesh. There are exactly 9, and
+the quorum is 6-of-9: any 6 Watchers can attest to a state transition, but no
+5 can. Each Watcher posts a 100,000 Bread bond, which is at risk if the
+Watcher attests to a false state. The 9/6 split is a mission-locked
+parameter — no Council can lower the quorum or the bond.
+
+## Daily attestations
+
+The Watchers attest to the state of the three [Storage Pools](storage-pools.md)
+daily: the Stash totals, the Vault totals, and the Root-Pool. The
+attestation is a signed statement that the canonical state recorded by OY
+Chain matches the state the Watcher observed. A Holder who wants to verify
+the mesh's real return can read the attestations and check that the
+Watchers agree.
+
+## The Mirror
+
+The Mirror mirrors the canonical state to the bearers (OY-LR, OY-BLE,
+OY-WiFi-Direct, OY-SAT, OY-QR). A Holder on a surveillance-resistant bearer
+can read the mirrored state without an internet connection to OY Chain; the
+Mirror is the read-side of the bearer layer. The Mirror is read-only: it
+mirrors state, it does not author it. Authoritative state lives on OY Chain
+and is attested by the Watchers.
+
+## Why 6-of-9
+
+The 9/6 split is a balance: 9 is large enough that no single adversary can
+easily capture a quorum, and 6 is large enough that no small cabal can
+attest to a false state. The 100,000 Bread bond per Watcher makes
+capturing a quorum expensive. The split is locked by Mission Lock — no
+Council can change it. See [Six Principles](six-principles.md) for the
+mission-lock covenant.

go.mod

@@ -1,3 +1,154 @@
 module github.com/oy/openyield
 
 go 1.22
+
+require (
+	cosmossdk.io/store v1.1.0
+	github.com/cosmos/cosmos-sdk v0.50.8
+	github.com/cosmos/ibc-go/modules/capability v1.0.0
+	github.com/cosmos/ibc-go/v8 v8.2.1
+)
+
+require (
+	cosmossdk.io/api v0.7.5 // indirect
+	cosmossdk.io/collections v0.4.0 // indirect
+	cosmossdk.io/core v0.11.0 // indirect
+	cosmossdk.io/depinject v1.0.0-alpha.4 // indirect
+	cosmossdk.io/errors v1.0.1 // indirect
+	cosmossdk.io/log v1.3.1 // indirect
+	cosmossdk.io/math v1.3.0 // indirect
+	cosmossdk.io/x/tx v0.13.3 // indirect
+	cosmossdk.io/x/upgrade v0.1.0 // indirect
+	filippo.io/edwards25519 v1.0.0 // indirect
+	github.com/99designs/go-keychain v0.0.0-20191008050251-8e49817e8af4 // indirect
+	github.com/99designs/keyring v1.2.1 // indirect
+	github.com/DataDog/datadog-go v3.2.0+incompatible // indirect
+	github.com/DataDog/zstd v1.5.5 // indirect
+	github.com/beorn7/perks v1.0.1 // indirect
+	github.com/bgentry/speakeasy v0.1.1-0.20220910012023-760eaf8b6816 // indirect
+	github.com/btcsuite/btcd/btcec/v2 v2.3.2 // indirect
+	github.com/cenkalti/backoff/v4 v4.1.3 // indirect
+	github.com/cespare/xxhash v1.1.0 // indirect
+	github.com/cespare/xxhash/v2 v2.3.0 // indirect
+	github.com/cockroachdb/errors v1.11.1 // indirect
+	github.com/cockroachdb/logtags v0.0.0-20230118201751-21c54148d20b // indirect
+	github.com/cockroachdb/pebble v1.1.0 // indirect
+	github.com/cockroachdb/redact v1.1.5 // indirect
+	github.com/cockroachdb/tokenbucket v0.0.0-20230807174530-cc333fc44b06 // indirect
+	github.com/cometbft/cometbft v0.38.9 // indirect
+	github.com/cometbft/cometbft-db v0.9.1 // indirect
+	github.com/cosmos/btcutil v1.0.5 // indirect
+	github.com/cosmos/cosmos-db v1.0.2 // indirect
+	github.com/cosmos/cosmos-proto v1.0.0-beta.5 // indirect
+	github.com/cosmos/go-bip39 v1.0.0 // indirect
+	github.com/cosmos/gogogateway v1.2.0 // indirect
+	github.com/cosmos/gogoproto v1.5.0 // indirect
+	github.com/cosmos/iavl v1.1.2 // indirect
+	github.com/cosmos/ics23/go v0.10.0 // indirect
+	github.com/cosmos/ledger-cosmos-go v0.13.3 // indirect
+	github.com/danieljoos/wincred v1.1.2 // indirect
+	github.com/davecgh/go-spew v1.1.2-0.20180830191138-d8f796af33cc // indirect
+	github.com/decred/dcrd/dcrec/secp256k1/v4 v4.2.0 // indirect
+	github.com/desertbit/timer v0.0.0-20180107155436-c41aec40b27f // indirect
+	github.com/dgraph-io/badger/v2 v2.2007.4 // indirect
+	github.com/dgraph-io/ristretto v0.1.1 // indirect
+	github.com/dgryski/go-farm v0.0.0-20200201041132-a6ae2369ad13 // indirect
+	github.com/dustin/go-humanize v1.0.1 // indirect
+	github.com/dvsekhvalnov/jose2go v1.6.0 // indirect
+	github.com/emicklei/dot v1.6.1 // indirect
+	github.com/fatih/color v1.15.0 // indirect
+	github.com/felixge/httpsnoop v1.0.4 // indirect
+	github.com/fsnotify/fsnotify v1.7.0 // indirect
+	github.com/getsentry/sentry-go v0.27.0 // indirect
+	github.com/go-kit/kit v0.12.0 // indirect
+	github.com/go-kit/log v0.2.1 // indirect
+	github.com/go-logfmt/logfmt v0.6.0 // indirect
+	github.com/godbus/dbus v0.0.0-20190726142602-4481cbc300e2 // indirect
+	github.com/gogo/googleapis v1.4.1 // indirect
+	github.com/gogo/protobuf v1.3.2 // indirect
+	github.com/golang/glog v1.2.0 // indirect
+	github.com/golang/protobuf v1.5.4 // indirect
+	github.com/golang/snappy v0.0.4 // indirect
+	github.com/google/btree v1.1.2 // indirect
+	github.com/google/go-cmp v0.6.0 // indirect
+	github.com/gorilla/handlers v1.5.2 // indirect
+	github.com/gorilla/mux v1.8.1 // indirect
+	github.com/gorilla/websocket v1.5.0 // indirect
+	github.com/grpc-ecosystem/go-grpc-middleware v1.4.0 // indirect
+	github.com/grpc-ecosystem/grpc-gateway v1.16.0 // indirect
+	github.com/gsterjov/go-libsecret v0.0.0-20161001094733-a6f4afe4910c // indirect
+	github.com/hashicorp/go-hclog v1.5.0 // indirect
+	github.com/hashicorp/go-immutable-radix v1.3.1 // indirect
+	github.com/hashicorp/go-metrics v0.5.3 // indirect
+	github.com/hashicorp/go-plugin v1.5.2 // indirect
+	github.com/hashicorp/golang-lru v1.0.2 // indirect
+	github.com/hashicorp/hcl v1.0.0 // indirect
+	github.com/hashicorp/yamux v0.1.1 // indirect
+	github.com/hdevalence/ed25519consensus v0.1.0 // indirect
+	github.com/huandu/skiplist v1.2.0 // indirect
+	github.com/iancoleman/strcase v0.3.0 // indirect
+	github.com/improbable-eng/grpc-web v0.15.0 // indirect
+	github.com/inconshreveable/mousetrap v1.1.0 // indirect
+	github.com/jmhodges/levigo v1.0.0 // indirect
+	github.com/klauspost/compress v1.17.7 // indirect
+	github.com/kr/pretty v0.3.1 // indirect
+	github.com/kr/text v0.2.0 // indirect
+	github.com/libp2p/go-buffer-pool v0.1.0 // indirect
+	github.com/linxGnu/grocksdb v1.8.14 // indirect
+	github.com/magiconair/properties v1.8.7 // indirect
+	github.com/mattn/go-colorable v0.1.13 // indirect
+	github.com/mattn/go-isatty v0.0.20 // indirect
+	github.com/mitchellh/go-testing-interface v1.14.1 // indirect
+	github.com/mitchellh/mapstructure v1.5.0 // indirect
+	github.com/mtibben/percent v0.2.1 // indirect
+	github.com/oasisprotocol/curve25519-voi v0.0.0-20230904125328-1f23a7beb09a // indirect
+	github.com/oklog/run v1.1.0 // indirect
+	github.com/pelletier/go-toml/v2 v2.1.0 // indirect
+	github.com/petermattis/goid v0.0.0-20231207134359-e60b3f734c67 // indirect
+	github.com/pkg/errors v0.9.1 // indirect
+	github.com/pmezard/go-difflib v1.0.1-0.20181226105442-5d4384ee4fb2 // indirect
+	github.com/prometheus/client_golang v1.19.0 // indirect
+	github.com/prometheus/client_model v0.6.1 // indirect
+	github.com/prometheus/common v0.52.2 // indirect
+	github.com/prometheus/procfs v0.13.0 // indirect
+	github.com/rcrowley/go-metrics v0.0.0-20201227073835-cf1acfcdf475 // indirect
+	github.com/rogpeppe/go-internal v1.12.0 // indirect
+	github.com/rs/cors v1.8.3 // indirect
+	github.com/rs/zerolog v1.32.0 // indirect
+	github.com/sagikazarmark/locafero v0.4.0 // indirect
+	github.com/sagikazarmark/slog-shim v0.1.0 // indirect
+	github.com/sasha-s/go-deadlock v0.3.1 // indirect
+	github.com/sourcegraph/conc v0.3.0 // indirect
+	github.com/spf13/afero v1.11.0 // indirect
+	github.com/spf13/cast v1.6.0 // indirect
+	github.com/spf13/cobra v1.8.0 // indirect
+	github.com/spf13/pflag v1.0.5 // indirect
+	github.com/spf13/viper v1.18.2 // indirect
+	github.com/stretchr/testify v1.9.0 // indirect
+	github.com/subosito/gotenv v1.6.0 // indirect
+	github.com/syndtr/goleveldb v1.0.1-0.20220721030215-126854af5e6d // indirect
+	github.com/tendermint/go-amino v0.16.0 // indirect
+	github.com/tidwall/btree v1.7.0 // indirect
+	github.com/zondax/hid v0.9.2 // indirect
+	github.com/zondax/ledger-go v0.14.3 // indirect
+	go.etcd.io/bbolt v1.3.8 // indirect
+	go.uber.org/multierr v1.10.0 // indirect
+	golang.org/x/crypto v0.22.0 // indirect
+	golang.org/x/exp v0.0.0-20240404231335-c0f41cb1a7a0 // indirect
+	golang.org/x/net v0.24.0 // indirect
+	golang.org/x/sync v0.7.0 // indirect
+	golang.org/x/sys v0.19.0 // indirect
+	golang.org/x/term v0.19.0 // indirect
+	golang.org/x/text v0.14.0 // indirect
+	google.golang.org/genproto v0.0.0-20240227224415-6ceb2ff114de // indirect
+	google.golang.org/genproto/googleapis/api v0.0.0-20240227224415-6ceb2ff114de // indirect
+	google.golang.org/genproto/googleapis/rpc v0.0.0-20240401170217-c3f982113cda // indirect
+	google.golang.org/grpc v1.63.2 // indirect
+	google.golang.org/protobuf v1.33.0 // indirect
+	gopkg.in/ini.v1 v1.67.0 // indirect
+	gopkg.in/yaml.v3 v3.0.1 // indirect
+	gotest.tools/v3 v3.5.1 // indirect
+	nhooyr.io/websocket v1.8.6 // indirect
+	pgregory.net/rapid v1.1.0 // indirect
+	sigs.k8s.io/yaml v1.4.0 // indirect
+)

lexicon/lexicon.go

@@ -0,0 +1,208 @@
+// Package lexicon holds the project-wide lexicon firewall (REQ-012).
+//
+// The 9 banned financial terms must never appear in any production or test
+// .go file under x/. This package exposes the banned-terms list and detection
+// helpers; the terms themselves are assembled at runtime from two-character
+// fragments so that the SOURCE of this package does not contain any banned
+// term as a literal substring. This is the standard lexicon-test bootstrapping
+// pattern: the firewall's own code must not trip the firewall.
+//
+// The lexicon firewall is NEW in v0.2 (G-002): v0.1 is lexicon-clean in
+// practice but has zero lexicon tests. The project-wide meta-test in
+// P1-04-02 (lexicon_meta_test.go) is the durable firewall; per-package
+// lexicon assertions in each new module's types_test.go scan the module's
+// production files.
+package lexicon
+
+import (
+	"regexp"
+	"strings"
+)
+
+// term is a banned term assembled from two halves so the source file does
+// not contain the literal banned word.
+type term struct {
+	a, b string
+}
+
+// fragments holds the 9 banned terms as (a, b) halves. Neither half alone
+// is a banned term, and concatenation produces the banned term at runtime.
+var fragments = []term{
+	{"ba", "nk"},      // bank
+	{"depo", "sit"},   // deposit
+	{"intere", "st"},  // interest
+	{"yie", "ld"},     // yield
+	{"curre", "ncy"},  // currency
+	{"dol", "lar"},    // dollar
+	{"eu", "ro"},      // euro
+	{"acco", "unt"},   // account
+	{"savin", "gs"},   // savings
+	{"deposito", "r"}, // depositor
+}
+
+// BannedTerms returns the banned financial terms (REQ-012). The spec lists
+// 10 terms (often described as "9" in plan docs, counting dollar/euro as a
+// pair): bank, deposit, interest, yield, currency, dollar, euro, account,
+// savings, depositor. The terms are assembled at runtime from fragments so
+// this package's source does not contain any banned term as a literal
+// substring.
+func BannedTerms() []string {
+	out := make([]string, len(fragments))
+	for i, t := range fragments {
+		out[i] = t.a + t.b
+	}
+	return out
+}
+
+// bannedTermRegexes are the compiled word-boundary regexes for the 9 banned
+// terms. Word boundaries prevent false positives like "openyield" matching
+// "yield" or "european" matching "euro" — the firewall bans the words as
+// concepts, not as arbitrary substrings. The regexes are case-insensitive.
+var bannedTermRegexes = func() []*regexp.Regexp {
+	terms := BannedTerms()
+	out := make([]*regexp.Regexp, len(terms))
+	for i, t := range terms {
+		out[i] = regexp.MustCompile(`\b` + regexp.QuoteMeta(t) + `\b`)
+	}
+	return out
+}()
+
+// FindBannedTerm returns the first banned term found in s (case-insensitive,
+// word-boundary match) and true, or "" and false if none. Used by the
+// project-wide meta-test (P1-04-02) and the per-package lexicon assertions.
+func FindBannedTerm(s string) (string, bool) {
+	lower := strings.ToLower(s)
+	terms := BannedTerms()
+	for i, re := range bannedTermRegexes {
+		if re.MatchString(lower) {
+			return terms[i], true
+		}
+	}
+	return "", false
+}
+
+// ContainsBannedTerm is an alias for FindBannedTerm kept for compatibility.
+func ContainsBannedTerm(s string) (string, bool) {
+	return FindBannedTerm(s)
+}
+
+// SyntheticBannedStrings returns one synthetic string per banned term, each
+// embedding exactly one banned term in a plausible sentence context. This
+// is the single source of truth (REQ-029, GRILL G-014) for the synthetic
+// self-test table consumed by BOTH project-wide meta-tests:
+//
+//	lexicon_meta_test.go        :: TestLexiconMetaSelfTestTable        (package lexicon_meta, scans x/**/*.go)
+//	lexicon_meta_docs_test.go   :: TestLexiconMetaDocsSelfTestTable    (package lexicon_meta_docs, scans README.md + docs/**/*.md)
+//
+// Before REQ-029, both meta-tests DUPLICATED their own 10-string synthetic
+// table (byte-identical), creating a drift risk: a future banned-term
+// addition updating one table but not the other would silently drop coverage
+// in the unmaintained firewall. SyntheticBannedStrings() eliminates the
+// duplication — both meta-tests now consume this helper, so a future addition
+// updates both firewalls from one place. The strings are built from
+// BannedTerms() (already fragment-assembled), so this package's own source
+// stays lexicon-clean (the firewall's own code is allowed to name the terms
+// it bans, but only via the fragment-assembly bootstrapping pattern).
+//
+// The returned slice is indexed positionally against BannedTerms(): the i-th
+// synthetic string embeds the i-th banned term. Both meta-tests assert
+// len(SyntheticBannedStrings()) == len(BannedTerms()) and that each string
+// triggers FindBannedTerm with the matching term.
+func SyntheticBannedStrings() []string {
+	terms := BannedTerms()
+	return []string{
+		"open a " + terms[0] + " here",      // bank
+		"make a " + terms[1] + " now",       // deposit
+		"compounding " + terms[2] + " rate", // interest
+		"the " + terms[3] + " is 5pct",      // yield
+		"foreign " + terms[4] + " pair",     // currency
+		"price in " + terms[5],              // dollar
+		"price in " + terms[6],              // euro
+		"freeze the " + terms[7],            // account
+		"move to " + terms[8] + " now",      // savings
+		"the " + terms[9] + " lost money",   // depositor
+	}
+}
+
+// coverFragments holds the 4 Cover-specific banned terms (D-088, REQ-055
+// lexicon scope) as (a, b) halves. Neither half alone is a banned term, and
+// concatenation produces the banned term at runtime — the same fragment-
+// assembly bootstrapping pattern as the project-wide fragments above so this
+// package's source does not contain any banned term as a literal substring.
+// These are the four terms the Cover module's vocabulary MUST NOT use: the
+// safe vision names are "Cover", "Cover-Fee", "Cover Call", "Cover-Charter",
+// "Cover Pool", "Cover Claims Voucher" (D-088); the four terms below are the
+// banned synonyms enforced by lexicon_meta_cover.
+var coverFragments = []term{
+	{"insur", "ance"}, // insurance
+	{"prem", "ium"},   // premium
+	{"cla", "im"},     // claim
+	{"pol", "icy"},    // policy
+}
+
+// CoverBannedTerms returns the 4 Cover-specific banned terms (D-088): the
+// four terms the Cover module's vocabulary MUST NOT use. The terms are
+// assembled at runtime from coverFragments so this package's source does not
+// contain any banned term as a literal substring (the standard lexicon-test
+// bootstrapping pattern). These are ADDITIVE to the project-wide
+// BannedTerms() — the project-wide 10 terms also apply to x/cover; this list
+// is the Cover-specific superset layer enforced by lexicon_meta_cover.
+func CoverBannedTerms() []string {
+	out := make([]string, len(coverFragments))
+	for i, t := range coverFragments {
+		out[i] = t.a + t.b
+	}
+	return out
+}
+
+// coverBannedTermRegexes are the compiled word-boundary regexes for the 4
+// Cover-specific banned terms. Word boundaries prevent false positives (a
+// Cover-Call's "claimant" must NOT trip the banned "claim" — the regex bans
+// the word as a concept, not as an arbitrary substring). The regexes are
+// case-insensitive. Mirrors bannedTermRegexes for the Cover-specific list.
+var coverBannedTermRegexes = func() []*regexp.Regexp {
+	terms := CoverBannedTerms()
+	out := make([]*regexp.Regexp, len(terms))
+	for i, t := range terms {
+		out[i] = regexp.MustCompile(`\b` + regexp.QuoteMeta(t) + `\b`)
+	}
+	return out
+}()
+
+// FindCoverBannedTerm returns the first Cover-specific banned term found in
+// s (case-insensitive, word-boundary match) and true, or "" and false if
+// none. Mirrors FindBannedTerm but uses the Cover-specific 4-term list
+// (D-088). Used by the lexicon_meta_cover meta-test (the 4th lexicon meta-
+// test) and the per-package lexicon assertion in x/cover/types/types_test.go.
+// A Cover source file that contains a Cover-specific banned term triggers
+// this helper; the project-wide FindBannedTerm is NOT consulted here (the
+// two firewalls are layered: project-wide + Cover-specific).
+func FindCoverBannedTerm(s string) (string, bool) {
+	lower := strings.ToLower(s)
+	terms := CoverBannedTerms()
+	for i, re := range coverBannedTermRegexes {
+		if re.MatchString(lower) {
+			return terms[i], true
+		}
+	}
+	return "", false
+}
+
+// SyntheticCoverBannedStrings returns one synthetic string per Cover-specific
+// banned term, each embedding exactly one banned term in a plausible Cover-
+// module sentence context. This is the single source of truth (G-014) for
+// the synthetic self-test table consumed by lexicon_meta_cover ::
+// TestLexiconMetaCoverSelfTestTable. Mirrors SyntheticBannedStrings for the
+// 4-term Cover-specific list. The strings are built from CoverBannedTerms()
+// (already fragment-assembled), so this package's own source stays lexicon-
+// clean. The returned slice is indexed positionally against CoverBannedTerms():
+// the i-th synthetic string embeds the i-th Cover-specific banned term.
+func SyntheticCoverBannedStrings() []string {
+	terms := CoverBannedTerms()
+	return []string{
+		"buy " + terms[0] + " now",      // insurance
+		"pay the " + terms[1] + " fee",  // premium
+		"file a " + terms[2] + " today", // claim
+		"the " + terms[3] + " expires",  // policy
+	}
+}

lexicon_meta_cover/lexicon_meta_cover_test.go

@@ -0,0 +1,372 @@
+// Package lexicon_meta_cover holds the Cover lexicon firewall (REQ-055,
+// D-088) — the 4th lexicon meta-test.
+//
+// It is a NEW sibling meta-test created in v0.7 P1 that MIRRORS the v0.6
+// web firewall (lexicon_meta_web/lexicon_meta_web_test.go, package
+// lexicon_meta_web) but scans the Cover module surface (x/cover/**/*.go)
+// for BOTH the 10 project-wide banned terms (lexicon.FindBannedTerm) AND
+// the 4 Cover-specific banned terms (lexicon.FindCoverBannedTerm — D-088).
+// It uses the SAME lexicon.FindBannedTerm + lexicon.FindCoverBannedTerm
+// (word-boundary, case-insensitive) — NO detection reimplementation — so
+// the four firewalls (x/*.go project-wide, docs, web, cover) share a
+// single source of truth for the banned terms. The Cover-specific 4 terms
+// (insurance, premium, claim, policy — assembled from fragments by
+// lexicon.CoverBannedTerms) are the Cover-module superset layer: the
+// project-wide 10 terms ALSO apply to x/cover; this firewall adds the 4
+// Cover-specific terms on top.
+//
+// Placement: this file lives in lexicon_meta_cover/ (a subdirectory of the
+// repo root) because Go does not permit two distinct packages in the same
+// directory; the v0.2 firewall is package lexicon_meta at the repo root,
+// the v0.3 firewall is package lexicon_meta_docs in lexicon_meta_docs/,
+// and the v0.6 firewall is package lexicon_meta_web in lexicon_meta_web/.
+// The invocation `go test ./lexicon_meta_cover/...` (PLANS v0.7 P1)
+// resolves to this package. Run via `go test ./...` from the repo root.
+//
+// G-013 walk-coverage: TestLexiconMetaCoverWalkCoverage injects synthetic
+// banned-term .go files into a temp x/cover/ subtree and asserts the walk
+// FINDS them — one for a project-wide term, one for a Cover-specific term.
+// This closes the "silently scans nothing and reports green" failure mode
+// that the G-009 self-test table (detection) alone does not cover.
+//
+// G-014 self-test drift: the self-test tables reuse
+// lexicon.SyntheticBannedStrings() (project-wide) +
+// lexicon.SyntheticCoverBannedStrings() (Cover-specific) — the single
+// sources of truth shared with the other three meta-tests.
+//
+// G-024: this test file stays stdlib + lexicon-only (no cosmos-sdk import).
+package lexicon_meta_cover
+
+import (
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+)
+
+// repoRoot returns the absolute path to the repo root by walking up from
+// this test file (the test lives at <repoRoot>/lexicon_meta_cover/).
+func repoRoot(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	// file = .../oy/lexicon_meta_cover/lexicon_meta_cover_test.go
+	// repo root = filepath.Dir(filepath.Dir(file))
+	return filepath.Dir(filepath.Dir(file))
+}
+
+// coverRoot returns the absolute path to the repo's x/cover directory.
+func coverRoot(t *testing.T) string {
+	t.Helper()
+	return filepath.Join(repoRoot(t), "x", "cover")
+}
+
+// thisFile returns the absolute path of this meta-test file (to exclude it
+// from its own scan — it references banned terms via the lexicon package,
+// whose source assembles terms from fragments, so no banned-term literal
+// appears in the firewall's own code).
+func thisFile(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	return file
+}
+
+// isCoverTarget reports whether path (relative to repo root) is a .go file
+// under x/cover/ (production + test). Non-.go files under x/cover/ are
+// skipped.
+func isCoverTarget(rel string) bool {
+	prefix := strings.Join([]string{"x", "cover", ""}, string(filepath.Separator))
+	if !strings.HasPrefix(rel, prefix) {
+		return false
+	}
+	return strings.HasSuffix(rel, ".go")
+}
+
+// TestLexiconMetaCoverNoBannedTerms is the Cover firewall (D-088). It walks
+// x/cover/**/*.go (production + test), reads each file's source, and
+// asserts no banned term (project-wide OR Cover-specific) is present
+// (word-boundary, case-insensitive). Excludes this test file itself
+// (self-exclusion via runtime.Caller(0) — though this file lives outside
+// x/cover/, the exclusion is belt-and-suspenders in case the walk root is
+// ever broadened).
+//
+// Passes at P1 with the x/cover module lexicon-clean by construction. The
+// x/cover/types/types_test.go per-package lexicon assertion
+// (TestLexiconNoBannedTermsInCover) is the in-module firewall; this
+// meta-test is the repo-wide Cover firewall (run via `go test ./...`).
+func TestLexiconMetaCoverNoBannedTerms(t *testing.T) {
+	root := coverRoot(t)
+	this := thisFile(t)
+	hits := []string{}
+	err := filepath.Walk(root, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			// Skip the walk-coverage fixture dir (G-013):
+			// TestLexiconMetaCoverWalkCoverage creates
+			// x/cover/.lexicon_fixture/ with synthetic banned-term .go
+			// files. Those fixtures are test artifacts, NOT production
+			// code; skip the dir to avoid a self-trip if cleanup is
+			// delayed.
+			if info.Name() == ".lexicon_fixture" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		if !strings.HasSuffix(path, ".go") {
+			return nil
+		}
+		// Self-exclusion: skip this meta-test file (belt-and-suspenders;
+		// this file lives outside x/cover/ so the walk would not reach it
+		// anyway, but the exclusion is robust to a future walk-root change).
+		if path == this {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		src := string(bz)
+		// Project-wide 10 terms.
+		if found, ok := lexicon.FindBannedTerm(src); ok {
+			rel, _ := filepath.Rel(root, path)
+			hits = append(hits, rel+" contains project-wide banned term "+found)
+		}
+		// Cover-specific 4 terms.
+		if found, ok := lexicon.FindCoverBannedTerm(src); ok {
+			rel, _ := filepath.Rel(root, path)
+			hits = append(hits, rel+" contains Cover-specific banned term "+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+	if len(hits) > 0 {
+		t.Errorf("REQ-055/D-088 Cover lexicon firewall violations:\n  %s",
+			strings.Join(hits, "\n  "))
+	}
+}
+
+// TestLexiconMetaCoverSelfTestTable (G-009 for cover) is the firewall's own
+// detection-coverage guard. Each synthetic string embeds exactly one
+// banned term in a plausible sentence context and is asserted to trigger
+// detection, so the firewall's detection logic is durably verified — if
+// detection ever breaks, this test fails before the firewall silently
+// passes a real violation in a Cover source file.
+//
+// This test exercises BOTH the project-wide terms (lexicon.SyntheticBannedStrings
+// + lexicon.FindBannedTerm) AND the Cover-specific terms
+// (lexicon.SyntheticCoverBannedStrings + lexicon.FindCoverBannedTerm),
+// so both layers of the Cover firewall are durably verified.
+func TestLexiconMetaCoverSelfTestTable(t *testing.T) {
+	// Project-wide layer.
+	terms := lexicon.BannedTerms()
+	if len(terms) != 10 {
+		t.Fatalf("BannedTerms() len = %d, want 10", len(terms))
+	}
+	synthetic := lexicon.SyntheticBannedStrings()
+	if len(synthetic) != len(terms) {
+		t.Fatalf("SyntheticBannedStrings() len = %d, want %d", len(synthetic), len(terms))
+	}
+	for i, s := range synthetic {
+		found, ok := lexicon.FindBannedTerm(s)
+		if !ok {
+			t.Errorf("G-009 cover self-test (project-wide) [%d]: synthetic string did not trigger detection: %q", i, s)
+			continue
+		}
+		if found != terms[i] {
+			t.Errorf("G-009 cover self-test (project-wide) [%d]: detected %q, want %q (in %q)", i, found, terms[i], s)
+		}
+	}
+
+	// Cover-specific layer.
+	coverTerms := lexicon.CoverBannedTerms()
+	if len(coverTerms) != 4 {
+		t.Fatalf("CoverBannedTerms() len = %d, want 4 (D-088)", len(coverTerms))
+	}
+	coverSynthetic := lexicon.SyntheticCoverBannedStrings()
+	if len(coverSynthetic) != len(coverTerms) {
+		t.Fatalf("SyntheticCoverBannedStrings() len = %d, want %d (must match CoverBannedTerms())", len(coverSynthetic), len(coverTerms))
+	}
+	for i, s := range coverSynthetic {
+		found, ok := lexicon.FindCoverBannedTerm(s)
+		if !ok {
+			t.Errorf("G-009 cover self-test (Cover-specific) [%d]: synthetic string did not trigger detection: %q", i, s)
+			continue
+		}
+		if found != coverTerms[i] {
+			t.Errorf("G-009 cover self-test (Cover-specific) [%d]: detected %q, want %q (in %q)", i, found, coverTerms[i], s)
+		}
+	}
+}
+
+// TestLexiconMetaCoverBannedTermsCount asserts exactly 10 project-wide
+// banned terms + 4 Cover-specific banned terms are configured (locked-const
+// for the firewall's scope). Derived from lexicon.BannedTerms() +
+// lexicon.CoverBannedTerms() — the single sources — so a count change
+// breaks the firewalls (G-014 drift prevention).
+func TestLexiconMetaCoverBannedTermsCount(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	if len(terms) != 10 {
+		t.Errorf("BannedTerms() len = %d, want 10 (REQ-012)", len(terms))
+	}
+	coverTerms := lexicon.CoverBannedTerms()
+	if len(coverTerms) != 4 {
+		t.Errorf("CoverBannedTerms() len = %d, want 4 (D-088)", len(coverTerms))
+	}
+	seen := map[string]bool{}
+	for _, tr := range terms {
+		if seen[tr] {
+			t.Errorf("duplicate project-wide banned term %q", tr)
+		}
+		seen[tr] = true
+	}
+	for _, tr := range coverTerms {
+		if seen[tr] {
+			t.Errorf("Cover-specific banned term %q duplicates a project-wide term", tr)
+		}
+		seen[tr] = true
+	}
+}
+
+// TestLexiconMetaCoverNoFalsePositiveOnClaimant asserts the field name
+// "ClaimantReachID" (used by types.CoverCall) does NOT trigger the
+// Cover-specific banned term that looks like a substring of "Claimant"
+// (word-boundary matching must not match substrings of identifiers). This
+// is the regression firewall for the word-boundary detection design on the
+// Cover-specific layer — mirrors the project-wide
+// TestLexiconMetaNoFalsePositiveOnOpenYield.
+func TestLexiconMetaCoverNoFalsePositiveOnClaimant(t *testing.T) {
+	cases := []string{
+		"ClaimantReachID",
+		"ClaimantReachID string",
+		"the ClaimantReachID field",
+		"c.ClaimantReachID",
+	}
+	for _, s := range cases {
+		if _, ok := lexicon.FindCoverBannedTerm(s); ok {
+			t.Errorf("false positive: %q triggered a Cover-specific banned term (word-boundary must avoid this)", s)
+		}
+	}
+}
+
+// TestLexiconMetaCoverWalkCoverage (G-013) is the walk-coverage firewall
+// for the Cover meta-test. The G-009 self-test table (above) verifies
+// DETECTION (FindBannedTerm / FindCoverBannedTerm on synthetic strings)
+// but NOT the WALK (which files are scanned). A walk bug — e.g. wrong path
+// prefix, missing x/cover/ recursion — would silently scan nothing and
+// report green on zero files. This test closes that gap by injecting
+// synthetic banned-term .go files into a fixture dir under the real
+// x/cover/ path the walk scans and asserting the walk FINDS them — one
+// fixture for a project-wide term, one for a Cover-specific term.
+//
+// The fixtures are created under x/cover/.lexicon_fixture/ (a real x/cover/
+// subtree the walk reaches) and removed via defer so they never leak into
+// the repo. If the walk logic misses either fixture, this test fails loudly
+// instead of letting a broken walk pass the firewall green on zero files
+// scanned.
+func TestLexiconMetaCoverWalkCoverage(t *testing.T) {
+	root := coverRoot(t)
+
+	// Build synthetic banned terms from fragments so THIS file does not
+	// contain banned-term literals.
+	terms := lexicon.BannedTerms()
+	if len(terms) == 0 {
+		t.Fatal("BannedTerms() returned no terms — cannot run walk-coverage")
+	}
+	coverTerms := lexicon.CoverBannedTerms()
+	if len(coverTerms) == 0 {
+		t.Fatal("CoverBannedTerms() returned no terms — cannot run walk-coverage")
+	}
+	// Project-wide fixture: use the first banned term ("bank") reassembled.
+	pwTerm := terms[0][:2] + terms[0][2:]
+	// Cover-specific fixture: use the first Cover term reassembled.
+	coverTerm := coverTerms[0][:len(coverTerms[0])/2] + coverTerms[0][len(coverTerms[0])/2:]
+
+	fixtureDir := filepath.Join(root, ".lexicon_fixture")
+	if err := os.MkdirAll(fixtureDir, 0o755); err != nil {
+		t.Fatalf("mkdir fixture: %v", err)
+	}
+	defer os.RemoveAll(fixtureDir)
+
+	// Project-wide fixture .go file.
+	pwFixture := filepath.Join(fixtureDir, "bad_pw_fixture.go")
+	pwContent := []byte("// fixture\n// this file contains a project-wide banned term: " + pwTerm + "\npackage lexicon_fixture\n")
+	if err := os.WriteFile(pwFixture, pwContent, 0o644); err != nil {
+		t.Fatalf("write pw fixture: %v", err)
+	}
+	// Cover-specific fixture .go file.
+	coverFixture := filepath.Join(fixtureDir, "bad_cover_fixture.go")
+	coverContent := []byte("// fixture\n// this file contains a Cover-specific banned term: " + coverTerm + "\npackage lexicon_fixture\n")
+	if err := os.WriteFile(coverFixture, coverContent, 0o644); err != nil {
+		t.Fatalf("write cover fixture: %v", err)
+	}
+
+	// Run the SAME walk logic as TestLexiconMetaCoverNoBannedTerms and
+	// assert it FINDS both fixtures' banned terms. A walk that returns zero
+	// hits here proves the walk logic is broken.
+	pwHits := []string{}
+	coverHits := []string{}
+	err := filepath.Walk(root, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			return nil
+		}
+		if !strings.HasSuffix(path, ".go") {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		src := string(bz)
+		if found, ok := lexicon.FindBannedTerm(src); ok {
+			rel, _ := filepath.Rel(root, path)
+			pwHits = append(pwHits, rel+":"+found)
+		}
+		if found, ok := lexicon.FindCoverBannedTerm(src); ok {
+			rel, _ := filepath.Rel(root, path)
+			coverHits = append(coverHits, rel+":"+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+
+	// Assert the project-wide fixture was found.
+	foundPW := false
+	for _, h := range pwHits {
+		if strings.Contains(h, "bad_pw_fixture.go") && strings.Contains(h, pwTerm) {
+			foundPW = true
+			break
+		}
+	}
+	if !foundPW {
+		t.Errorf("G-013 walk-coverage (project-wide): the walk did NOT find the synthetic project-wide banned-term fixture at %s — the Cover firewall walk logic is broken (it would silently scan nothing and report green). pwHits=%v", pwFixture, pwHits)
+	}
+
+	// Assert the Cover-specific fixture was found.
+	foundCover := false
+	for _, h := range coverHits {
+		if strings.Contains(h, "bad_cover_fixture.go") && strings.Contains(h, coverTerm) {
+			foundCover = true
+			break
+		}
+	}
+	if !foundCover {
+		t.Errorf("G-013 walk-coverage (Cover-specific): the walk did NOT find the synthetic Cover-specific banned-term fixture at %s — the Cover firewall walk logic is broken. coverHits=%v", coverFixture, coverHits)
+	}
+}

lexicon_meta_docs/lexicon_meta_docs_test.go

@@ -0,0 +1,296 @@
+// Package lexicon_meta_docs holds the docs lexicon firewall (REQ-028, D-043).
+//
+// It is a NEW sibling meta-test created in v0.3 P1 Wave 1 that MIRRORS the v0.2
+// project-wide firewall (lexicon_meta_test.go, package lexicon_meta) but scans
+// the docs surface (README.md + docs/**/*.md) instead of x/**/*.go. It uses
+// the SAME lexicon.FindBannedTerm (word-boundary, case-insensitive) — NO
+// detection reimplementation — so the two firewalls share a single source of
+// truth for the 10 banned terms (bank, deposit, interest, yield, currency,
+// dollar, euro, account, savings, depositor).
+//
+// Placement: this file lives in lexicon_meta_docs/ (a subdirectory of the
+// repo root) because Go does not permit two distinct packages in the same
+// directory; the v0.2 firewall is package lexicon_meta at the repo root.
+// The invocation `go test ./lexicon_meta_docs/...` (PLANS P1-03-01) resolves
+// to this package. Run via `go test ./...` from the repo root as well.
+//
+// G-013 walk-coverage: TestLexiconMetaDocsWalkCoverage injects a synthetic
+// banned-term .md into a temp docs/ subtree and asserts the walk FINDS it.
+// This closes the "silently scans nothing and reports green" failure mode
+// that the G-009 self-test table (detection) alone does not cover.
+//
+// G-014 self-test drift: the self-test table and banned-term count assertion
+// reuse lexicon.BannedTerms() (the single source). A cross-reference comment
+// keeps this file's table in lockstep with lexicon_meta_test.go's table; if
+// a banned term is added, both firewalls update from one place.
+package lexicon_meta_docs
+
+import (
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+)
+
+// repoRoot returns the absolute path to the repo root by walking up from
+// this test file (the test lives at <repoRoot>/lexicon_meta_docs/).
+func repoRoot(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	// file = .../oy/lexicon_meta_docs/lexicon_meta_docs_test.go
+	// repo root = filepath.Dir(filepath.Dir(file))
+	return filepath.Dir(filepath.Dir(file))
+}
+
+// thisFile returns the absolute path of this meta-test file (to exclude it
+// from its own scan — it references banned terms via the lexicon package,
+// whose source assembles terms from fragments, so no banned-term literal
+// appears in the firewall's own code).
+func thisFile(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	return file
+}
+
+// TestLexiconMetaDocsNoBannedTermsInDocs is the docs firewall (D-043). It
+// walks README.md (repo root) + every *.md under docs/ (recursive), reads each
+// file's source, and asserts no banned term is present (word-boundary,
+// case-insensitive). Excludes .ciagent/ (firewall meta-files discuss banned
+// terms by name for governance; not user-facing), .git/ (VCS), and this test
+// file itself (self-exclusion via runtime.Caller(0)).
+//
+// Passes at P1 Wave 1 with zero docs (a walk that scans nothing reports green
+// on zero hits — closed by TestLexiconMetaDocsWalkCoverage below). With the
+// Wave 2 docs present (README + index + 6 shared pages), all are lexicon-clean
+// by construction.
+func TestLexiconMetaDocsNoBannedTermsInDocs(t *testing.T) {
+	root := repoRoot(t)
+	this := thisFile(t)
+	hits := []string{}
+	err := filepath.Walk(root, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			base := filepath.Base(path)
+			if base == ".ciagent" || base == ".git" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		// Self-exclusion: skip this meta-test file.
+		if path == this {
+			return nil
+		}
+		// Only scan .md files.
+		if !strings.HasSuffix(path, ".md") {
+			return nil
+		}
+		// Only scan README.md (repo root) + docs/**/*.md.
+		rel, rerr := filepath.Rel(root, path)
+		if rerr != nil {
+			return rerr
+		}
+		if rel != "README.md" && !strings.HasPrefix(rel, "docs"+string(filepath.Separator)) && rel != "docs" {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+			hits = append(hits, rel+" contains banned term "+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+	if len(hits) > 0 {
+		t.Errorf("REQ-028 docs lexicon firewall violations:\n  %s",
+			strings.Join(hits, "\n  "))
+	}
+}
+
+// TestLexiconMetaDocsSelfTestTable (G-009 for docs) is the firewall's own
+// detection-coverage guard. Each synthetic string embeds exactly one banned
+// term in a plausible sentence context and is asserted to trigger detection,
+// so the firewall's detection logic is durably verified — if detection ever
+// breaks, this test fails before the firewall silently passes a real
+// violation in a docs page.
+//
+// REQ-029 (GRILL G-014): the synthetic strings are sourced from
+// lexicon.SyntheticBannedStrings(), the single source of truth shared with
+// lexicon_meta_test.go :: TestLexiconMetaSelfTestTable. Before REQ-029, this
+// file DUPLICATED its own 10-string table (byte-identical to the x/ meta-
+// test), creating a drift risk; the shared helper closes it. This file no
+// longer builds its own synthetic table — both meta-tests consume the same
+// helper, so a future banned-term addition updates both firewalls from one
+// place.
+func TestLexiconMetaDocsSelfTestTable(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	// The spec lists 10 banned terms (plan docs say "9", counting dollar/euro
+	// as a pair): bank, deposit, interest, yield, currency, dollar, euro,
+	// account, savings, depositor.
+	if len(terms) != 10 {
+		t.Fatalf("BannedTerms() len = %d, want 10", len(terms))
+	}
+	// REQ-029: consume the shared synthetic-string helper (G-014 single source).
+	synthetic := lexicon.SyntheticBannedStrings()
+	if len(synthetic) != len(terms) {
+		t.Fatalf("SyntheticBannedStrings() len = %d, want %d (must match BannedTerms())", len(synthetic), len(terms))
+	}
+	for i, s := range synthetic {
+		found, ok := lexicon.FindBannedTerm(s)
+		if !ok {
+			t.Errorf("G-009 docs self-test [%d]: synthetic string did not trigger detection: %q", i, s)
+			continue
+		}
+		if found != terms[i] {
+			t.Errorf("G-009 docs self-test [%d]: detected %q, want %q (in %q)", i, found, terms[i], s)
+		}
+	}
+}
+
+// TestLexiconMetaDocsBannedTermsCount asserts exactly 10 banned terms are
+// configured (locked-const for the firewall's scope; spec lists 10, plan docs
+// say "9" counting dollar/euro as a pair). Derived from lexicon.BannedTerms()
+// — the single source — so a count change breaks both this firewall and the
+// v0.2 x/*.go firewall (G-014 drift prevention).
+func TestLexiconMetaDocsBannedTermsCount(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	if len(terms) != 10 {
+		t.Errorf("BannedTerms() len = %d, want 10 (REQ-012/REQ-028)", len(terms))
+	}
+	seen := map[string]bool{}
+	for _, tr := range terms {
+		if seen[tr] {
+			t.Errorf("duplicate banned term %q", tr)
+		}
+		seen[tr] = true
+	}
+}
+
+// TestLexiconMetaDocsNoFalsePositiveOnOpenYield asserts the module name
+// "openyield" does NOT trigger the "yield" banned term and "european" does
+// NOT trigger the "euro" banned term (word-boundary matching must not match
+// substrings of identifiers). This is the regression firewall for the
+// word-boundary detection design — mirrors the v0.2
+// TestLexiconMetaNoFalsePositiveOnOpenYield.
+func TestLexiconMetaDocsNoFalsePositiveOnOpenYield(t *testing.T) {
+	cases := []string{
+		"github.com/oy/openyield/x/window/types",
+		"package openyield",
+		"openyield is the module",
+		"european resident",
+		"# OpenYield docs",
+		"the OpenYield mesh",
+	}
+	for _, s := range cases {
+		if _, ok := lexicon.FindBannedTerm(s); ok {
+			t.Errorf("false positive: %q triggered a banned term (word-boundary must avoid this)", s)
+		}
+	}
+}
+
+// TestLexiconMetaDocsWalkCoverage (G-013) is the walk-coverage firewall. The
+// G-009 self-test table (above) verifies DETECTION (FindBannedTerm on
+// synthetic strings) but NOT the WALK (which files are scanned). A walk bug
+// — e.g. wrong path prefix, missing docs/ recursion, a typo in the .md
+// suffix check — would silently scan nothing and report green on zero
+// files. This test closes that gap by injecting a synthetic banned-term .md
+// into a fixture dir under the real docs/ path the walk scans and asserting
+// the walk FINDS it.
+//
+// The fixture is created under docs/.lexicon_fixture/ (a real docs/ subtree
+// the walk reaches) and removed via defer so it never leaks into the repo.
+// If the walk logic misses the fixture, this test fails loudly instead of
+// letting a broken walk pass the firewall green on zero files scanned.
+func TestLexiconMetaDocsWalkCoverage(t *testing.T) {
+	root := repoRoot(t)
+	this := thisFile(t)
+
+	// Build a synthetic banned term from fragments so THIS file does not
+	// contain a banned-term literal (it is excluded from its own scan, but
+	// the synthetic stays clean for readability/searchability).
+	terms := lexicon.BannedTerms()
+	if len(terms) == 0 {
+		t.Fatal("BannedTerms() returned no terms — cannot run walk-coverage")
+	}
+	// Use the first banned term ("bank") assembled from two halves.
+	syntheticTerm := terms[0][:2] + terms[0][2:] // reassemble (no literal in source)
+	badContent := []byte("# fixture\nthis file contains a banned term: " + syntheticTerm + "\n")
+
+	fixtureDir := filepath.Join(root, "docs", ".lexicon_fixture")
+	fixtureFile := filepath.Join(fixtureDir, "bad_fixture.md")
+	if err := os.MkdirAll(fixtureDir, 0o755); err != nil {
+		t.Fatalf("mkdir fixture: %v", err)
+	}
+	defer os.RemoveAll(fixtureDir)
+	if err := os.WriteFile(fixtureFile, badContent, 0o644); err != nil {
+		t.Fatalf("write fixture: %v", err)
+	}
+
+	// Run the SAME walk logic as TestLexiconMetaDocsNoBannedTermsInDocs and
+	// assert it FINDS the fixture's banned term. A walk that returns zero
+	// hits here proves the walk logic is broken (the fixture is a known-bad
+	// file inside docs/ that MUST be detected).
+	hits := []string{}
+	err := filepath.Walk(root, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			base := filepath.Base(path)
+			if base == ".ciagent" || base == ".git" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		if path == this {
+			return nil
+		}
+		if !strings.HasSuffix(path, ".md") {
+			return nil
+		}
+		rel, rerr := filepath.Rel(root, path)
+		if rerr != nil {
+			return rerr
+		}
+		if rel != "README.md" && !strings.HasPrefix(rel, "docs"+string(filepath.Separator)) {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+			hits = append(hits, rel+" contains banned term "+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+	// Assert the fixture was found. The rel path uses OS-specific separator;
+	// match on the suffix so the test is portable.
+	foundFixture := false
+	for _, h := range hits {
+		if strings.Contains(h, "bad_fixture.md") && strings.Contains(h, syntheticTerm) {
+			foundFixture = true
+			break
+		}
+	}
+	if !foundFixture {
+		t.Errorf("G-013 walk-coverage: the walk did NOT find the synthetic banned-term fixture at %s — the docs firewall walk logic is broken (it would silently scan nothing and report green). hits=%v", fixtureFile, hits)
+	}
+}

lexicon_meta_test.go

@@ -0,0 +1,177 @@
+// Package lexicon_meta holds the project-wide lexicon firewall meta-test
+// (REQ-012, G-004, G-009). It is the durable firewall created in v0.2 P1
+// Wave 3; P5-01-01 EXTENDS it rather than recreating it.
+//
+// The meta-test scans every .go file under x/ (production + test) for the 9
+// banned financial terms and fails on any hit. It includes a self-test table
+// (G-009) of synthetic strings — one per banned term — asserted to each
+// trigger detection, so the meta-test's own detection coverage is durably
+// verified without manual spikes.
+//
+// The meta-test file itself is excluded from the scan (it must reference the
+// banned terms via the shared lexicon package, whose source assembles terms
+// from fragments so no banned term appears as a literal substring anywhere
+// in the firewall's own code — the standard lexicon-test bootstrapping
+// pattern).
+package lexicon_meta
+
+import (
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+)
+
+// TestLexiconMetaNoBannedTermsInX is the project-wide firewall (G-004).
+// It walks every .go file under x/ (production + test), reads its source,
+// and asserts no banned term is present (word-boundary, case-insensitive).
+// The meta-test file itself is excluded (it is the firewall's own code and
+// references the banned terms via the lexicon package, whose source uses
+// fragments).
+//
+// Passes at P1: the v0.1 baseline (15 modules) plus the 3 new P1 modules
+// (window, stand, guild) are all lexicon-clean.
+func TestLexiconMetaNoBannedTermsInX(t *testing.T) {
+	xRoot := repoXRoot(t)
+	thisFile := thisFile(t)
+	hits := []string{}
+	err := filepath.Walk(xRoot, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			// Skip the lexicon_meta_cover walk-coverage fixture dir
+			// (G-013): TestLexiconMetaCoverWalkCoverage creates
+			// x/cover/.lexicon_fixture/ with synthetic banned-term .go
+			// files to verify the Cover firewall's walk logic. Those
+			// fixtures are test artifacts, NOT production code, and would
+			// trip this project-wide firewall if scanned concurrently.
+			// Skip the fixture dir to avoid the test-isolation race.
+			if info.Name() == ".lexicon_fixture" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		if !strings.HasSuffix(path, ".go") {
+			return nil
+		}
+		// Exclude the meta-test file itself (the firewall's own code).
+		if path == thisFile {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+			rel, _ := filepath.Rel(xRoot, path)
+			hits = append(hits, rel+" contains banned term "+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+	if len(hits) > 0 {
+		t.Errorf("REQ-012 lexicon firewall violations:\n  %s",
+			strings.Join(hits, "\n  "))
+	}
+}
+
+// TestLexiconMetaSelfTestTable (G-009) is the meta-test's own coverage
+// firewall. Each synthetic string is asserted to trigger detection so the
+// firewall's detection logic is durably verified — if detection ever breaks,
+// this test fails before the firewall silently passes a real violation.
+//
+// REQ-029 (GRILL G-014): the synthetic strings are sourced from
+// lexicon.SyntheticBannedStrings(), the single source of truth shared with
+// lexicon_meta_docs_test.go :: TestLexiconMetaDocsSelfTestTable. Before
+// REQ-029, both meta-tests DUPLICATED their own 10-string table, creating a
+// drift risk; the shared helper closes it. This file no longer builds its
+// own synthetic table.
+func TestLexiconMetaSelfTestTable(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	// The spec lists 10 banned terms (plan docs say "9", counting dollar/euro
+	// as a pair): bank, deposit, interest, yield, currency, dollar, euro,
+	// account, savings, depositor.
+	if len(terms) != 10 {
+		t.Fatalf("BannedTerms() len = %d, want 10", len(terms))
+	}
+	// REQ-029: consume the shared synthetic-string helper (G-014 single source).
+	synthetic := lexicon.SyntheticBannedStrings()
+	if len(synthetic) != len(terms) {
+		t.Fatalf("SyntheticBannedStrings() len = %d, want %d (must match BannedTerms())", len(synthetic), len(terms))
+	}
+	for i, s := range synthetic {
+		found, ok := lexicon.FindBannedTerm(s)
+		if !ok {
+			t.Errorf("G-009 self-test [%d]: synthetic string did not trigger detection: %q", i, s)
+			continue
+		}
+		if found != terms[i] {
+			t.Errorf("G-009 self-test [%d]: detected %q, want %q (in %q)", i, found, terms[i], s)
+		}
+	}
+}
+
+// TestLexiconMetaBannedTermsCount asserts exactly 10 banned terms are
+// configured (locked-const for the firewall's scope; spec lists 10, plan docs
+// say "9" counting dollar/euro as a pair).
+func TestLexiconMetaBannedTermsCount(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	if len(terms) != 10 {
+		t.Errorf("BannedTerms() len = %d, want 10 (REQ-012)", len(terms))
+	}
+	seen := map[string]bool{}
+	for _, tr := range terms {
+		if seen[tr] {
+			t.Errorf("duplicate banned term %q", tr)
+		}
+		seen[tr] = true
+	}
+}
+
+// TestLexiconMetaNoFalsePositiveOnOpenYield asserts the module name
+// "openyield" does NOT trigger the "yield" banned term (word-boundary
+// matching must not match substrings of identifiers). This is the
+// regression firewall for the word-boundary detection design.
+func TestLexiconMetaNoFalsePositiveOnOpenYield(t *testing.T) {
+	cases := []string{
+		"github.com/oy/openyield/x/window/types",
+		"package openyield",
+		"openyield is the module",
+		"european resident",
+	}
+	for _, s := range cases {
+		if _, ok := lexicon.FindBannedTerm(s); ok {
+			t.Errorf("false positive: %q triggered a banned term (word-boundary must avoid this)", s)
+		}
+	}
+}
+
+// repoXRoot returns the absolute path to the repo's x/ directory by walking
+// up from this test file.
+func repoXRoot(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	// file = .../oy/lexicon_meta_test.go -> repo root is its dir; x/ is repo/x
+	repoRoot := filepath.Dir(file)
+	return filepath.Join(repoRoot, "x")
+}
+
+// thisFile returns the absolute path of this meta-test file (to exclude it
+// from its own scan).
+func thisFile(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	return file
+}

lexicon_meta_web/lexicon_meta_web_test.go

@@ -0,0 +1,307 @@
+// Package lexicon_meta_web holds the web lexicon firewall (REQ-045, D-069).
+//
+// It is a NEW sibling meta-test created in v0.6 P1 Wave 1 that MIRRORS the
+// v0.3 docs firewall (lexicon_meta_docs/lexicon_meta_docs_test.go, package
+// lexicon_meta_docs) but scans the web surface (web/templates/**/*.html +
+// web/static/**/*.js + web/**/*.go) instead of README.md + docs/**/*.md. It
+// uses the SAME lexicon.FindBannedTerm (word-boundary, case-insensitive) —
+// NO detection reimplementation — so the three firewalls (x/*.go, docs, web)
+// share a single source of truth for the 10 banned terms (bank, deposit,
+// interest, yield, currency, dollar, euro, account, savings, depositor).
+//
+// Placement: this file lives in lexicon_meta_web/ (a subdirectory of the
+// repo root) because Go does not permit two distinct packages in the same
+// directory; the v0.2 firewall is package lexicon_meta at the repo root and
+// the v0.3 firewall is package lexicon_meta_docs in lexicon_meta_docs/. The
+// invocation `go test ./lexicon_meta_web/...` (PLANS P1-01-01) resolves to
+// this package. Run via `go test ./...` from the repo root as well.
+//
+// G-013 walk-coverage: TestLexiconMetaWebWalkCoverage injects a synthetic
+// banned-term .html into a temp web/templates/ subtree and asserts the walk
+// FINDS it. This closes the "silently scans nothing and reports green"
+// failure mode that the G-009 self-test table (detection) alone does not
+// cover.
+//
+// G-014 self-test drift: the self-test table and banned-term count assertion
+// reuse lexicon.BannedTerms() (the single source). A cross-reference comment
+// keeps this file's table in lockstep with lexicon_meta_test.go's table and
+// lexicon_meta_docs_test.go's table; if a banned term is added, all three
+// firewalls update from one place.
+package lexicon_meta_web
+
+import (
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+)
+
+// repoRoot returns the absolute path to the repo root by walking up from
+// this test file (the test lives at <repoRoot>/lexicon_meta_web/).
+func repoRoot(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	// file = .../oy/lexicon_meta_web/lexicon_meta_web_test.go
+	// repo root = filepath.Dir(filepath.Dir(file))
+	return filepath.Dir(filepath.Dir(file))
+}
+
+// thisFile returns the absolute path of this meta-test file (to exclude it
+// from its own scan — it references banned terms via the lexicon package,
+// whose source assembles terms from fragments, so no banned-term literal
+// appears in the firewall's own code).
+func thisFile(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	return file
+}
+
+// isWebTarget reports whether path (relative to repo root) is a file the web
+// firewall scans: web/templates/**/*.html, web/static/**/*.js, and
+// web/**/*.go (production + test). Non-{html,js,go} files under web/ (e.g.
+// vendored binary assets) are skipped.
+func isWebTarget(rel string) bool {
+	if !strings.HasPrefix(rel, "web"+string(filepath.Separator)) {
+		return false
+	}
+	return strings.HasSuffix(rel, ".html") || strings.HasSuffix(rel, ".js") || strings.HasSuffix(rel, ".go")
+}
+
+// TestLexiconMetaWebNoBannedTermsInWeb is the web firewall (D-069). It walks
+// the repo root, targets web/templates/**/*.html + web/static/**/*.js +
+// web/**/*.go (production + test), reads each file's source, and asserts no
+// banned term is present (word-boundary, case-insensitive). Excludes
+// .ciagent/ (firewall meta-files discuss banned terms by name for
+// governance; not user-facing), .git/ (VCS), and this test file itself
+// (self-exclusion via runtime.Caller(0)).
+//
+// Passes at P1 Wave 1 with zero web content (a walk that scans nothing
+// reports green on zero hits — closed by TestLexiconMetaWebWalkCoverage
+// below). With the Wave 2..4 web content present (templates, static assets,
+// handlers, store), all are lexicon-clean by construction.
+func TestLexiconMetaWebNoBannedTermsInWeb(t *testing.T) {
+	root := repoRoot(t)
+	this := thisFile(t)
+	hits := []string{}
+	err := filepath.Walk(root, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			base := filepath.Base(path)
+			if base == ".ciagent" || base == ".git" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		// Self-exclusion: skip this meta-test file.
+		if path == this {
+			return nil
+		}
+		rel, rerr := filepath.Rel(root, path)
+		if rerr != nil {
+			return rerr
+		}
+		if !isWebTarget(rel) {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+			hits = append(hits, rel+" contains banned term "+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+	if len(hits) > 0 {
+		t.Errorf("REQ-045 web lexicon firewall violations:\n  %s",
+			strings.Join(hits, "\n  "))
+	}
+}
+
+// TestLexiconMetaWebSelfTestTable (G-009 for web) is the firewall's own
+// detection-coverage guard. Each synthetic string embeds exactly one banned
+// term in a plausible sentence context and is asserted to trigger detection,
+// so the firewall's detection logic is durably verified — if detection ever
+// breaks, this test fails before the firewall silently passes a real
+// violation in a web template or handler.
+//
+// REQ-029 (GRILL G-014): the synthetic strings are sourced from
+// lexicon.SyntheticBannedStrings(), the single source of truth shared with
+// lexicon_meta_test.go :: TestLexiconMetaSelfTestTable and
+// lexicon_meta_docs_test.go :: TestLexiconMetaDocsSelfTestTable. Before
+// REQ-029, each meta-test DUPLICATED its own 10-string table (byte-identical),
+// creating a drift risk; the shared helper closes it. This file no longer
+// builds its own synthetic table — all three meta-tests consume the same
+// helper, so a future banned-term addition updates all firewalls from one
+// place.
+func TestLexiconMetaWebSelfTestTable(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	// The spec lists 10 banned terms (plan docs say "9", counting dollar/euro
+	// as a pair): bank, deposit, interest, yield, currency, dollar, euro,
+	// account, savings, depositor.
+	if len(terms) != 10 {
+		t.Fatalf("BannedTerms() len = %d, want 10", len(terms))
+	}
+	// REQ-029: consume the shared synthetic-string helper (G-014 single source).
+	synthetic := lexicon.SyntheticBannedStrings()
+	if len(synthetic) != len(terms) {
+		t.Fatalf("SyntheticBannedStrings() len = %d, want %d (must match BannedTerms())", len(synthetic), len(terms))
+	}
+	for i, s := range synthetic {
+		found, ok := lexicon.FindBannedTerm(s)
+		if !ok {
+			t.Errorf("G-009 web self-test [%d]: synthetic string did not trigger detection: %q", i, s)
+			continue
+		}
+		if found != terms[i] {
+			t.Errorf("G-009 web self-test [%d]: detected %q, want %q (in %q)", i, found, terms[i], s)
+		}
+	}
+}
+
+// TestLexiconMetaWebBannedTermsCount asserts exactly 10 banned terms are
+// configured (locked-const for the firewall's scope; spec lists 10, plan docs
+// say "9" counting dollar/euro as a pair). Derived from lexicon.BannedTerms()
+// — the single source — so a count change breaks all three firewalls (x/*.go,
+// docs, web) (G-014 drift prevention).
+func TestLexiconMetaWebBannedTermsCount(t *testing.T) {
+	terms := lexicon.BannedTerms()
+	if len(terms) != 10 {
+		t.Errorf("BannedTerms() len = %d, want 10 (REQ-012/REQ-045)", len(terms))
+	}
+	seen := map[string]bool{}
+	for _, tr := range terms {
+		if seen[tr] {
+			t.Errorf("duplicate banned term %q", tr)
+		}
+		seen[tr] = true
+	}
+}
+
+// TestLexiconMetaWebNoFalsePositiveOnOpenYield asserts the module name
+// "openyield" does NOT trigger the "yield" banned term and "european" does
+// NOT trigger the "euro" banned term (word-boundary matching must not match
+// substrings of identifiers). This is the regression firewall for the
+// word-boundary detection design — mirrors the v0.2
+// TestLexiconMetaNoFalsePositiveOnOpenYield and the v0.3
+// TestLexiconMetaDocsNoFalsePositiveOnOpenYield.
+func TestLexiconMetaWebNoFalsePositiveOnOpenYield(t *testing.T) {
+	cases := []string{
+		"github.com/oy/openyield/x/window/types",
+		"package openyield",
+		"openyield is the module",
+		"european resident",
+		"# OpenYield web",
+		"the OpenYield mesh",
+	}
+	for _, s := range cases {
+		if _, ok := lexicon.FindBannedTerm(s); ok {
+			t.Errorf("false positive: %q triggered a banned term (word-boundary must avoid this)", s)
+		}
+	}
+}
+
+// TestLexiconMetaWebWalkCoverage (G-013) is the walk-coverage firewall. The
+// G-009 self-test table (above) verifies DETECTION (FindBannedTerm on
+// synthetic strings) but NOT the WALK (which files are scanned). A walk bug
+// — e.g. wrong path prefix, missing web/ recursion, a typo in the .html
+// suffix check — would silently scan nothing and report green on zero
+// files. This test closes that gap by injecting a synthetic banned-term
+// .html into a fixture dir under the real web/templates/ path the walk scans
+// and asserting the walk FINDS it.
+//
+// The fixture is created under web/templates/.lexicon_fixture/ (a real
+// web/templates/ subtree the walk reaches) and removed via defer so it never
+// leaks into the repo. If the walk logic misses the fixture, this test fails
+// loudly instead of letting a broken walk pass the firewall green on zero
+// files scanned.
+func TestLexiconMetaWebWalkCoverage(t *testing.T) {
+	root := repoRoot(t)
+	this := thisFile(t)
+
+	// Build a synthetic banned term from fragments so THIS file does not
+	// contain a banned-term literal (it is excluded from its own scan, but
+	// the synthetic stays clean for readability/searchability).
+	terms := lexicon.BannedTerms()
+	if len(terms) == 0 {
+		t.Fatal("BannedTerms() returned no terms — cannot run walk-coverage")
+	}
+	// Use the first banned term ("bank") assembled from two halves.
+	syntheticTerm := terms[0][:2] + terms[0][2:] // reassemble (no literal in source)
+	badContent := []byte("<!-- fixture -->\nthis file contains a banned term: " + syntheticTerm + "\n")
+
+	fixtureDir := filepath.Join(root, "web", "templates", ".lexicon_fixture")
+	fixtureFile := filepath.Join(fixtureDir, "bad_fixture.html")
+	if err := os.MkdirAll(fixtureDir, 0o755); err != nil {
+		t.Fatalf("mkdir fixture: %v", err)
+	}
+	defer os.RemoveAll(fixtureDir)
+	if err := os.WriteFile(fixtureFile, badContent, 0o644); err != nil {
+		t.Fatalf("write fixture: %v", err)
+	}
+
+	// Run the SAME walk logic as TestLexiconMetaWebNoBannedTermsInWeb and
+	// assert it FINDS the fixture's banned term. A walk that returns zero
+	// hits here proves the walk logic is broken (the fixture is a known-bad
+	// file inside web/templates/ that MUST be detected).
+	hits := []string{}
+	err := filepath.Walk(root, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			base := filepath.Base(path)
+			if base == ".ciagent" || base == ".git" {
+				return filepath.SkipDir
+			}
+			return nil
+		}
+		if path == this {
+			return nil
+		}
+		rel, rerr := filepath.Rel(root, path)
+		if rerr != nil {
+			return rerr
+		}
+		if !isWebTarget(rel) {
+			return nil
+		}
+		bz, rerr := os.ReadFile(path)
+		if rerr != nil {
+			return rerr
+		}
+		if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+			hits = append(hits, rel+" contains banned term "+found)
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk: %v", err)
+	}
+	// Assert the fixture was found. The rel path uses OS-specific separator;
+	// match on the suffix so the test is portable.
+	foundFixture := false
+	for _, h := range hits {
+		if strings.Contains(h, "bad_fixture.html") && strings.Contains(h, syntheticTerm) {
+			foundFixture = true
+			break
+		}
+	}
+	if !foundFixture {
+		t.Errorf("G-013 walk-coverage: the walk did NOT find the synthetic banned-term fixture at %s — the web firewall walk logic is broken (it would silently scan nothing and report green). hits=%v", fixtureFile, hits)
+	}
+}

mkdocs.yml

@@ -0,0 +1,63 @@
+# OpenYield docs site (MkDocs Material, D-042).
+#
+# Build-only Python dep (mkdocs + mkdocs-material); NOT a Go dep (G-006 —
+# go.mod stays zero-require). Invoke locally with `mkdocs serve` or
+# `mkdocs build` (see README). No publishing CI in v0.3 (D-046 — publishing
+# to GitHub/Gitea Pages deferred to v0.4).
+#
+# Nav completeness (G-011): the nav lists ALL 26 pages that will exist by end
+# of P3. P1 creates the shared/ pages + index (8 files); P2 adds nomads/
+# (8 files); P3 adds freeholders/ (8 files) + reference/ (2 files). Only the
+# files that exist at P1 ship today; the nav references the not-yet-created
+# P2/P3 pages by path so the structure is complete and P2/P3 just add files.
+# mkdocs.yml is a config file, NOT validated by Go tests; the docs firewall
+# (lexicon_meta_docs_test.go) validates .md content, not nav.
+
+site_name: OpenYield
+site_description: OpenYield — a jurisdiction-light, public-good mesh for real production, organized around Holders, Stands, and the Six Principles.
+
+theme:
+  name: material
+  features:
+    - navigation.sections
+    - navigation.expand
+    - toc.integrate
+
+markdown_extensions:
+  - admonition
+  - toc:
+      permalink: true
+  - codehilite
+  - pymdownx.superfences
+
+nav:
+  - Home: index.md
+  - Nomads:
+      - Overview: nomads/index.md
+      - Reach: nomads/reach.md
+      - Stash: nomads/stash.md
+      - Bearers: nomads/bearers.md
+      - Maps-Pay: nomads/maps-pay.md
+      - Pacts: nomads/pacts.md
+      - Standing: nomads/standing.md
+      - Window: nomads/window.md
+  - Freeholders:
+      - Overview: freeholders/index.md
+      - Signals: freeholders/signals.md
+      - Standing: freeholders/standing.md
+      - Stands & Guilds: freeholders/stands-guilds.md
+      - Councils & Voice: freeholders/councils-voice.md
+      - Bonds: freeholders/bonds.md
+      - Partner Spectrum: freeholders/partner-spectrum.md
+      - Anchor Preview: freeholders/anchor-preview.md
+  - Shared:
+      - Overview: shared/index.md
+      - Six Principles: shared/six-principles.md
+      - Bread Scale: shared/bread-scale.md
+      - Storage Pools: shared/storage-pools.md
+      - Watchers & Mirror: shared/watchers-mirror.md
+      - Lexicon: shared/lexicon.md
+      - Vision: shared/vision.md
+  - Reference:
+      - Architecture: reference/architecture.md
+      - Components: reference/components.md

web/handlers/bloom.go

@@ -0,0 +1,50 @@
+package handlers
+
+import (
+	"net/http"
+
+	bloomtypes "github.com/oy/openyield/x/bloom/types"
+)
+
+// registerBloom wires the Bloom accrual route (REQ-044).
+func (s *Server) registerBloom(mux *http.ServeMux) {
+	mux.HandleFunc("GET /bloom/{stashID}", s.handleBloom)
+}
+
+// bloomViewData is the template data for the Bloom accrual view.
+type bloomViewData struct {
+	StashID         string
+	Found           bool
+	Record          bloomtypes.BloomRecord
+	RatePct         float64 // RateBasisPoints as a percentage (450 -> 4.5)
+	TargetRatePct   float64 // TargetBloomRateBasisPoints as %
+	MinRatePct      float64
+	MaxRatePct      float64
+	AccrualPeriod   int64
+	MissionLockNote string
+}
+
+// handleBloom renders the Bloom accrual view (REQ-044): per-Stash BloomRecord
+// (AccruedGrain, RateBasisPoints as %, LastAccrualBlock) + the 4.5% target rate
+// (read from x/bloom/types.TargetBloomRateBasisPoints — D-073 code-constant
+// source-of-truth, NOT hardcoded). Bloom is conceptually close to a banned
+// financial term; labels use "Bloom"/"real production"/"accrual" only.
+func (s *Server) handleBloom(w http.ResponseWriter, r *http.Request) {
+	stashID := r.PathValue("stashID")
+	rec, ok := s.Store.GetBloomRecord(stashID)
+	if !ok {
+		http.NotFound(w, r)
+		return
+	}
+	s.render(w, "bloom.html", bloomViewData{
+		StashID:         stashID,
+		Found:           true,
+		Record:          rec,
+		RatePct:         float64(rec.RateBasisPoints) / 100,
+		TargetRatePct:   float64(bloomtypes.TargetBloomRateBasisPoints) / 100,
+		MinRatePct:      float64(bloomtypes.MinBloomRateBasisPoints) / 100,
+		MaxRatePct:      float64(bloomtypes.MaxBloomRateBasisPoints) / 100,
+		AccrualPeriod:   bloomtypes.AccrualPeriodBlocks,
+		MissionLockNote: bloomtypes.MissionLockBloom,
+	})
+}

web/handlers/bloom_test.go

@@ -0,0 +1,137 @@
+package handlers
+
+import (
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+
+	bloomtypes "github.com/oy/openyield/x/bloom/types"
+)
+
+func TestBloomSeededRecordRendersTargetRate(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/bloom/stash-holder-alia", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /bloom/stash-holder-alia: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	// Accrued Grain present.
+	if !strings.Contains(body, "Grain") {
+		t.Errorf("body missing 'Grain'")
+	}
+	// Target rate 4.5% (from TargetBloomRateBasisPoints=450).
+	want := formatFloat(float64(bloomtypes.TargetBloomRateBasisPoints) / 100)
+	if !strings.Contains(body, want) {
+		t.Errorf("body missing target rate %s%% (TargetBloomRateBasisPoints=%d)", want, bloomtypes.TargetBloomRateBasisPoints)
+	}
+	// Mission Lock note present.
+	if !strings.Contains(body, "real production") {
+		t.Errorf("body missing Mission Lock note about real production")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestBloomMissingReturns404(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/bloom/stash-nobody", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusNotFound {
+		t.Fatalf("GET /bloom/stash-nobody: status %d, want 404", rec.Code)
+	}
+	// G-026: rendered-HTML lexicon check on the ERROR response body too.
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+// TestBloomTargetRateFromCodeConstant (D-073 regression guard): asserts the
+// handler reads x/bloom/types.TargetBloomRateBasisPoints=450 (NOT a hardcoded
+// 450 or a docs value). This test would FAIL if the handler hardcoded the rate
+// instead of reading the code constant.
+func TestBloomTargetRateFromCodeConstant(t *testing.T) {
+	// D-073: the code constant is the source of truth.
+	if bloomtypes.TargetBloomRateBasisPoints != 450 {
+		t.Fatalf("D-073: TargetBloomRateBasisPoints = %d, want 450 (code constant)", bloomtypes.TargetBloomRateBasisPoints)
+	}
+	if bloomtypes.MinBloomRateBasisPoints != 400 {
+		t.Fatalf("D-073: MinBloomRateBasisPoints = %d, want 400 (code constant)", bloomtypes.MinBloomRateBasisPoints)
+	}
+	if bloomtypes.MaxBloomRateBasisPoints != 500 {
+		t.Fatalf("D-073: MaxBloomRateBasisPoints = %d, want 500 (code constant)", bloomtypes.MaxBloomRateBasisPoints)
+	}
+
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/bloom/stash-holder-alia", nil)
+	mux.ServeHTTP(rec, req)
+	body := rec.Body.String()
+
+	// The rendered target rate must be the code constant / 100 = 4.5.
+	wantTarget := formatFloat(float64(bloomtypes.TargetBloomRateBasisPoints) / 100)
+	if !strings.Contains(body, wantTarget) {
+		t.Errorf("D-073: body missing target rate %s%% (from code constant %d)", wantTarget, bloomtypes.TargetBloomRateBasisPoints)
+	}
+	// The seeded record for holder-alia uses RateBasisPoints=450 (the target).
+	rec2, ok := srv.Store.GetBloomRecord("stash-holder-alia")
+	if !ok {
+		t.Fatal("seeded bloom record stash-holder-alia missing")
+	}
+	if rec2.RateBasisPoints != bloomtypes.TargetBloomRateBasisPoints {
+		t.Errorf("D-073: seeded record RateBasisPoints = %d, want %d (code constant)", rec2.RateBasisPoints, bloomtypes.TargetBloomRateBasisPoints)
+	}
+	// The rate band must be rendered from the code constants.
+	wantMin := formatFloat(float64(bloomtypes.MinBloomRateBasisPoints) / 100)
+	wantMax := formatFloat(float64(bloomtypes.MaxBloomRateBasisPoints) / 100)
+	if !strings.Contains(body, wantMin) {
+		t.Errorf("D-073: body missing min rate %s%% (from code constant)", wantMin)
+	}
+	if !strings.Contains(body, wantMax) {
+		t.Errorf("D-073: body missing max rate %s%% (from code constant)", wantMax)
+	}
+}
+
+// Compile-time assertion that the handler uses the real x/bloom/types struct.
+var _ bloomtypes.BloomRecord
+
+// formatFloat formats a float to 1 decimal place without importing strconv
+// (keeps the test deps minimal; matches the template's printf "%.1f").
+func formatFloat(f float64) string {
+	// Round to 1 decimal.
+	rounded := float64(int(f*10+0.5)) / 10
+	whole := int(rounded)
+	frac := int((rounded - float64(whole)) * 10)
+	if frac == 0 {
+		return formatInt2(int64(whole)) + ".0"
+	}
+	return formatInt2(int64(whole)) + "." + string(rune('0'+frac))
+}
+
+func formatInt2(n int64) string {
+	if n == 0 {
+		return "0"
+	}
+	neg := n < 0
+	if neg {
+		n = -n
+	}
+	var buf [20]byte
+	i := len(buf)
+	for n > 0 {
+		i--
+		buf[i] = byte('0' + n%10)
+		n /= 10
+	}
+	if neg {
+		i--
+		buf[i] = '-'
+	}
+	return string(buf[i:])
+}

web/handlers/reach.go

@@ -0,0 +1,90 @@
+package handlers
+
+import (
+	"net/http"
+
+	identitytypes "github.com/oy/openyield/x/identity/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+)
+
+// registerReach wires the Reach signup routes (REQ-040) into the mux.
+// Go 1.22 method-pattern routing: GET /reach (list), GET /reach/new (form),
+// POST /reach (atomic create + redirect per D-071), GET /reach/{id} (detail).
+func (s *Server) registerReach(mux *http.ServeMux) {
+	mux.HandleFunc("GET /reach", s.handleReachList)
+	mux.HandleFunc("GET /reach/new", s.handleReachNew)
+	mux.HandleFunc("POST /reach", s.handleReachCreate)
+	mux.HandleFunc("GET /reach/{id}", s.handleReachDetail)
+}
+
+// handleReachList renders all Reaches (seeded + created).
+func (s *Server) handleReachList(w http.ResponseWriter, r *http.Request) {
+	reaches := s.Store.ListReaches()
+	s.render(w, "reach_list.html", map[string]any{"Reaches": reaches})
+}
+
+// handleReachNew renders the "Create a Reach" form. Lexicon-clean: "Create a
+// Reach", NOT a legacy custodial-position label (REQ-012 bans that word).
+func (s *Server) handleReachNew(w http.ResponseWriter, r *http.Request) {
+	s.render(w, "reach_new.html", nil)
+}
+
+// handleReachCreate handles the POST from the "Create a Reach" form. Calls
+// store.CreateReach (atomic Reach + Stash per D-071). On validation error
+// (G-027) returns 400 with a lexicon-clean message; on duplicate returns 409.
+// On success redirects (302) to the new Reach detail page.
+func (s *Server) handleReachCreate(w http.ResponseWriter, r *http.Request) {
+	holderID := r.FormValue("holder_id")
+	publicKey := r.FormValue("public_key")
+	reach, _, err := s.Store.CreateReach(holderID, publicKey)
+	if err != nil {
+		// G-026: rendered-HTML lexicon check scans error response bodies too;
+		// keep the error message lexicon-clean (no banned terms).
+		status := http.StatusBadRequest
+		if isDuplicate(err) {
+			status = http.StatusConflict
+		}
+		http.Error(w, "Could not create a Reach: "+err.Error(), status)
+		return
+	}
+	http.Redirect(w, r, "/reach/"+reach.HolderID, http.StatusFound)
+}
+
+// handleReachDetail renders one Reach + its associated Stash (BalanceGrain).
+func (s *Server) handleReachDetail(w http.ResponseWriter, r *http.Request) {
+	id := r.PathValue("id")
+	reach, ok := s.Store.GetReach(id)
+	if !ok {
+		http.NotFound(w, r)
+		return
+	}
+	stash, _ := s.Store.GetStash(id)
+	s.render(w, "reach_detail.html", map[string]any{
+		"Reach": reach,
+		"Stash": stash,
+	})
+}
+
+// isDuplicate reports whether err is a duplicate-holder error from
+// store.CreateReach. Kept as a string match to avoid exporting store errors.
+func isDuplicate(err error) bool {
+	return err != nil && contains(err.Error(), "already has a Reach")
+}
+
+func contains(s, sub string) bool {
+	return len(s) >= len(sub) && (s == sub || indexOf(s, sub) >= 0)
+}
+
+func indexOf(s, sub string) int {
+	for i := 0; i+len(sub) <= len(s); i++ {
+		if s[i:i+len(sub)] == sub {
+			return i
+		}
+	}
+	return -1
+}
+
+// Compile-time assertions that the handlers use the real x/*/types structs
+// (D-067: the UI grounds in the real Go type definitions).
+var _ identitytypes.Reach
+var _ stashtypes.Stash

web/handlers/reach_test.go

@@ -0,0 +1,185 @@
+package handlers
+
+import (
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+	"github.com/oy/openyield/web/store"
+)
+
+// newTestServer builds a Server with a fresh store + templates parsed from
+// web/templates (relative to repo root via the handlers test working dir).
+func newTestServer(t *testing.T) *Server {
+	t.Helper()
+	srv, err := New(store.NewStore(), "../../web/templates")
+	if err != nil {
+		t.Fatalf("new handlers server: %v", err)
+	}
+	return srv
+}
+
+// assertNoBannedTerms checks the rendered response body for banned terms
+// (G-026: applies to BOTH 200 happy-path AND error response bodies).
+func assertNoBannedTerms(t *testing.T, body string) {
+	t.Helper()
+	if term, ok := lexicon.FindBannedTerm(body); ok {
+		t.Errorf("rendered HTML contains banned term %q (REQ-012/G-026)", term)
+	}
+}
+
+func TestReachListReturnsSeededReaches(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/reach", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /reach: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, "holder-alia") {
+		t.Errorf("GET /reach: body missing seeded reach holder-alia")
+	}
+	if !strings.Contains(body, "holder-bryn") {
+		t.Errorf("GET /reach: body missing seeded reach holder-bryn")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestReachNewReturnsForm(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/reach/new", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /reach/new: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, "Create a Reach") {
+		t.Errorf("GET /reach/new: body missing 'Create a Reach' label")
+	}
+	// The legacy custodial-position word is BANNED (REQ-012) — must not appear.
+	// Check the full banned-terms list via the lexicon package (no literals in
+	// source); FindBannedTerm does word-boundary matching so this is stricter
+	// than a naive substring check.
+	if term, ok := lexicon.FindBannedTerm(body); ok {
+		t.Errorf("GET /reach/new: body contains banned word %q", term)
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestReachCreateValidRedirectsAndAtomicallyCreates(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/reach", strings.NewReader("holder_id=holder-new&public_key=pk-new"))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusFound {
+		t.Fatalf("POST /reach valid: status %d, want 302 (Found)", rec.Code)
+	}
+	loc := rec.Header().Get("Location")
+	if !strings.Contains(loc, "/reach/holder-new") {
+		t.Errorf("POST /reach: Location %q, want redirect to /reach/holder-new", loc)
+	}
+	// D-071: atomic creation — both Reach + Stash must be present.
+	reach, ok := srv.Store.GetReach("holder-new")
+	if !ok {
+		t.Fatalf("POST /reach: GetReach miss after create (atomicity broken)")
+	}
+	if !reach.IsNomad {
+		t.Errorf("POST /reach: created Reach IsNomad=false, want true (D-071)")
+	}
+	stash, ok := srv.Store.GetStash("holder-new")
+	if !ok {
+		t.Fatalf("POST /reach: GetStash miss after create (atomicity broken — D-071)")
+	}
+	if stash.HolderID != reach.HolderID {
+		t.Errorf("POST /reach: stash.HolderID %q != reach.HolderID %q (D-071)", stash.HolderID, reach.HolderID)
+	}
+}
+
+func TestReachCreateEmptyHolderIDReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/reach", strings.NewReader("holder_id=&public_key=pk"))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST /reach empty holder: status %d, want 400", rec.Code)
+	}
+	// G-026: rendered-HTML lexicon check scans the ERROR response body too.
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestReachCreatePathSeparatorReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/reach", strings.NewReader("holder_id=h/x&public_key=pk"))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST /reach path separator: status %d, want 400", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestReachCreateDuplicateReturns409(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/reach", strings.NewReader("holder_id=holder-alia&public_key=pk"))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusConflict {
+		t.Fatalf("POST /reach duplicate: status %d, want 409", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestReachDetailSeededReturnsReachAndStash(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/reach/holder-alia", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /reach/holder-alia: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, "reach-holder-alia") {
+		t.Errorf("GET /reach/holder-alia: body missing reach-holder-alia")
+	}
+	if !strings.Contains(body, "stash-holder-alia") {
+		t.Errorf("GET /reach/holder-alia: body missing associated stash-holder-alia")
+	}
+	if !strings.Contains(body, "Grain") {
+		t.Errorf("GET /reach/holder-alia: body missing Stash balance in Grain")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestReachDetailMissingReturns404(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/reach/nobody", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusNotFound {
+		t.Fatalf("GET /reach/nobody: status %d, want 404", rec.Code)
+	}
+}

web/handlers/server.go

@@ -0,0 +1,125 @@
+// Package handlers holds the HTTP handlers for the OpenYield web UI screens.
+//
+// Each screen (Reach signup, Stash dashboard, Window authorization, Standing
+// progress, Bloom accrual) gets its own handler file. handlers/server.go wires
+// routes into the mux from web/server.go. Handlers render html/template
+// templates against the mock store (web/store). Lexicon-clean by construction
+// (REQ-012 / REQ-045): the lexicon_meta_web firewall scans these files.
+package handlers
+
+import (
+	"fmt"
+	"html/template"
+	"net/http"
+	"os"
+	"path/filepath"
+
+	"github.com/oy/openyield/web/store"
+	standingtypes "github.com/oy/openyield/x/standing/types"
+	windowtypes "github.com/oy/openyield/x/window/types"
+)
+
+// Server bundles the mock store + per-page templates + route registration.
+// Each screen handler is a method on Server so it shares the store + tmpl.
+//
+// Template loading: base.html is parsed once, then each page template is
+// parsed in a CLONE of the base set so the per-page "content" block does not
+// collide across pages (Go html/template shares the block namespace within
+// one set; cloning per page isolates each page's content block). This is the
+// standard Go template pattern for layouts + pages.
+type Server struct {
+	Store *store.Store
+	Pages map[string]*template.Template
+}
+
+// New constructs a Server with the given store + per-page templates loaded
+// from templatesDir (the absolute or relative path to web/templates/).
+func New(s *store.Store, templatesDir string) (*Server, error) {
+	funcs := template.FuncMap{
+		"divGrain": func(grain, unit int64) int64 {
+			if unit == 0 {
+				return 0
+			}
+			return grain / unit
+		},
+		"string": func(v any) string {
+			switch t := v.(type) {
+			case string:
+				return t
+			case windowtypes.WindowStatus:
+				return string(t)
+			case standingtypes.StandingBucket:
+				return string(t)
+			default:
+				return ""
+			}
+		},
+	}
+	basePath := filepath.Join(templatesDir, "base.html")
+	base, err := template.New("base.html").Funcs(funcs).ParseFiles(basePath)
+	if err != nil {
+		return nil, fmt.Errorf("parse base: %w", err)
+	}
+	pages := map[string]*template.Template{}
+	pageGlob := filepath.Join(templatesDir, "*.html")
+	matches, err := filepath.Glob(pageGlob)
+	if err != nil {
+		return nil, fmt.Errorf("glob pages: %w", err)
+	}
+	for _, p := range matches {
+		name := filepath.Base(p)
+		if name == "base.html" {
+			continue
+		}
+		clone, cerr := base.Clone()
+		if cerr != nil {
+			return nil, fmt.Errorf("clone for %s: %w", name, cerr)
+		}
+		pt, perr := clone.ParseFiles(p)
+		if perr != nil {
+			return nil, fmt.Errorf("parse %s: %w", name, perr)
+		}
+		pages[name] = pt
+	}
+	return &Server{Store: s, Pages: pages}, nil
+}
+
+// Register wires all screen routes into the given mux (Go 1.22 method
+// patterns). Called by web/server.go after constructing the Server.
+func (s *Server) Register(mux *http.ServeMux) {
+	s.registerReach(mux)
+	s.registerStash(mux)
+	s.registerWindow(mux)
+	s.registerStanding(mux)
+	s.registerBloom(mux)
+}
+
+// render executes the named page template with the given data, writing HTML
+// to w. The page template invokes base.html and overrides the "content" block.
+func (s *Server) render(w http.ResponseWriter, name string, data any) {
+	tmpl, ok := s.Pages[name]
+	if !ok {
+		http.Error(w, "template not found: "+name, http.StatusInternalServerError)
+		return
+	}
+	w.Header().Set("Content-Type", "text/html; charset=utf-8")
+	if err := tmpl.ExecuteTemplate(w, "base.html", data); err != nil {
+		http.Error(w, "render error", http.StatusInternalServerError)
+	}
+}
+
+// RenderHome renders the home page (public so web/server.go can call it for
+// the "/" route which lives outside handlers.Register).
+func (s *Server) RenderHome(w http.ResponseWriter, data any) {
+	s.render(w, "home.html", data)
+}
+
+// templatesDir returns the default web/templates directory relative to the
+// working directory. Used by web/server.go when constructing via New().
+func DefaultTemplatesDir() string {
+	dir, _ := os.Getwd()
+	if filepath.Base(dir) == "web" || filepath.Base(dir) == "handlers" {
+		return filepath.Join(dir, "templates")
+	}
+	return "web/templates"
+}

web/handlers/standing.go

@@ -0,0 +1,59 @@
+package handlers
+
+import (
+	"net/http"
+
+	standingtypes "github.com/oy/openyield/x/standing/types"
+)
+
+// registerStanding wires the Standing + Freeholder signals route (REQ-043).
+func (s *Server) registerStanding(mux *http.ServeMux) {
+	mux.HandleFunc("GET /standing/{reachID}", s.handleStanding)
+}
+
+// standingViewData is the template data for the Standing screen.
+type standingViewData struct {
+	ReachID  string
+	Found    bool
+	Score    float64
+	Bucket   standingtypes.StandingBucket
+	Ratings  []standingtypes.Rating
+	Vouches  []standingtypes.Vouch
+	Slashes  []standingtypes.Slash
+	Signals  standingtypes.FreeholderSignals
+	Eligible bool
+	MinScore float64
+	MinCats  int
+}
+
+// handleStanding renders the Standing + Freeholder signals progress (REQ-043).
+// Computed from mock Ratings/Vouches/Slashes using the locked x/standing/types
+// constants + GetStandingBucket/ComputeDiversityBonus/GetVoucherWeight; the
+// 4-signal progress via FreeholderSignals.IsFreeholderEligible().
+func (s *Server) handleStanding(w http.ResponseWriter, r *http.Request) {
+	id := r.PathValue("reachID")
+	_, ok := s.Store.GetReach(id)
+	if !ok {
+		http.NotFound(w, r)
+		return
+	}
+	score, bucket := s.Store.ComputeStandingScore(id)
+	ratings := s.Store.ListRatings(id)
+	vouches := s.Store.ListVouches(id)
+	slashes := s.Store.ListSlashes(id)
+	signals := s.Store.ComputeFreeholderSignals(id)
+
+	s.render(w, "standing.html", standingViewData{
+		ReachID:  id,
+		Found:    true,
+		Score:    score,
+		Bucket:   bucket,
+		Ratings:  ratings,
+		Vouches:  vouches,
+		Slashes:  slashes,
+		Signals:  signals,
+		Eligible: signals.IsFreeholderEligible(),
+		MinScore: standingtypes.FreeholderMinStandingScore,
+		MinCats:  standingtypes.FreeholderMinCategories,
+	})
+}

web/handlers/standing_test.go

@@ -0,0 +1,146 @@
+package handlers
+
+import (
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+
+	standingtypes "github.com/oy/openyield/x/standing/types"
+)
+
+func TestStandingEligibleHolderRendersAllSignalsEarned(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/standing/holder-alia", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /standing/holder-alia: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	// holder-alia: 12 ratings in 4 categories, 1 Vouch, mature Stash, balance 920000.
+	// All 4 signals earned -> Freeholder-eligible.
+	if !strings.Contains(body, "Freeholder-eligible") {
+		t.Errorf("body missing 'Freeholder-eligible' label")
+	}
+	// Score displayed with 1 decimal.
+	if !strings.Contains(body, "4.") {
+		t.Errorf("body missing score (expected 4.x)")
+	}
+	// All 4 signals should show 'earned'.
+	earnedCount := strings.Count(body, "earned")
+	if earnedCount < 4 {
+		t.Errorf("body has %d 'earned' badges, want >=4 (all signals earned for holder-alia)", earnedCount)
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestStandingNotEligibleHolderShowsNotYet(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/standing/holder-bryn", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /standing/holder-bryn: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	// holder-bryn: 3 ratings in 1 category, no Vouch, immature Stash.
+	// Not eligible.
+	if !strings.Contains(body, "not yet") {
+		t.Errorf("body missing 'not yet' badge for non-eligible holder-bryn")
+	}
+	if strings.Contains(body, "Freeholder-eligible\">yes") {
+		t.Errorf("body shows eligible=yes for holder-bryn (should not be eligible)")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestStandingMissingReturns404(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/standing/nobody", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusNotFound {
+		t.Fatalf("GET /standing/nobody: status %d, want 404", rec.Code)
+	}
+	// G-026: rendered-HTML lexicon check on the ERROR response body too.
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+// TestStandingScoreComputedFromLockedConstants (P4 regression guard): asserts
+// ComputeStandingScore uses the x/standing/types locked constants
+// (PriorMean=4.0, PriorWeight=10, ComputeDiversityBonus, GetVoucherWeight,
+// GetStandingBucket) — NOT a hardcoded score. This test would FAIL if the
+// handler hardcoded a score instead of computing from the locked constants.
+func TestStandingScoreComputedFromLockedConstants(t *testing.T) {
+	srv := newTestServer(t)
+	score, bucket := srv.Store.ComputeStandingScore("holder-alia")
+	// D-073 pattern: the score must be derived from the locked constants, not
+	// a magic number. Assert the prior mean is 4.0 and the score is pulled
+	// toward it (Bayesian shrinkage) + diversity bonus for 4 categories.
+	if standingtypes.PriorMean != 4.0 {
+		t.Fatalf("D-073: PriorMean = %v, want 4.0 (locked constant)", standingtypes.PriorMean)
+	}
+	if standingtypes.PriorWeight != 10 {
+		t.Fatalf("D-073: PriorWeight = %v, want 10 (locked constant)", standingtypes.PriorWeight)
+	}
+	// holder-alia has 4 categories -> diversity bonus 0.10 (DiversityBonus4Cats).
+	bonus := standingtypes.ComputeDiversityBonus(4)
+	if bonus != standingtypes.DiversityBonus4Cats {
+		t.Errorf("ComputeDiversityBonus(4) = %v, want %v (locked constant)", bonus, standingtypes.DiversityBonus4Cats)
+	}
+	// The score must be > 4.5 (ratings 4.6-4.9 + diversity bonus 0.10).
+	if score < 4.5 {
+		t.Errorf("score for holder-alia = %.2f, want >= 4.5 (12 ratings 4.6-4.9 + 4-cat bonus)", score)
+	}
+	// Bucket must be Preferred or Top (score >= 4.5, 12 ratings >= 10).
+	if bucket != standingtypes.BucketPreferred && bucket != standingtypes.BucketTop {
+		t.Errorf("bucket for holder-alia = %q, want Preferred or Top", bucket)
+	}
+	// holder-bryn has 3 ratings in 1 category -> bucket New (< 10 ratings).
+	_, brynBucket := srv.Store.ComputeStandingScore("holder-bryn")
+	if brynBucket != standingtypes.BucketNew {
+		t.Errorf("bucket for holder-bryn = %q, want New (< 10 ratings)", brynBucket)
+	}
+}
+
+// TestFreeholderEligibleBadgeReflectsMethod: asserts the rendered badge
+// matches FreeholderSignals.IsFreeholderEligible() (the real method).
+func TestFreeholderEligibleBadgeReflectsMethod(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+
+	// holder-alia: eligible (all 4 signals true).
+	aliaSignals := srv.Store.ComputeFreeholderSignals("holder-alia")
+	if !aliaSignals.IsFreeholderEligible() {
+		t.Errorf("holder-alia IsFreeholderEligible = false, want true (signals=%+v)", aliaSignals)
+	}
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/standing/holder-alia", nil)
+	mux.ServeHTTP(rec, req)
+	if !strings.Contains(rec.Body.String(), "yes") {
+		t.Errorf("holder-alia: body missing 'yes' eligible badge (IsFreeholderEligible=true)")
+	}
+
+	// holder-bryn: not eligible.
+	brynSignals := srv.Store.ComputeFreeholderSignals("holder-bryn")
+	if brynSignals.IsFreeholderEligible() {
+		t.Errorf("holder-bryn IsFreeholderEligible = true, want false (signals=%+v)", brynSignals)
+	}
+	rec2 := httptest.NewRecorder()
+	req2 := httptest.NewRequest("GET", "/standing/holder-bryn", nil)
+	mux.ServeHTTP(rec2, req2)
+	if !strings.Contains(rec2.Body.String(), "not yet") {
+		t.Errorf("holder-bryn: body missing 'not yet' (IsFreeholderEligible=false)")
+	}
+}
+
+// Compile-time assertion that the handler uses the real x/standing/types struct.
+var _ standingtypes.FreeholderSignals

web/handlers/stash.go

@@ -0,0 +1,68 @@
+package handlers
+
+import (
+	"net/http"
+
+	breadtypes "github.com/oy/openyield/x/bread/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+)
+
+// registerStash wires the Stash dashboard route (REQ-041) into the mux.
+func (s *Server) registerStash(mux *http.ServeMux) {
+	mux.HandleFunc("GET /stash/{holderID}", s.handleStashDashboard)
+}
+
+// stashViewData is the template data for the Stash dashboard. It carries the
+// real x/*/types structs plus the Bread-scale conversion (computed from the
+// x/bread/types code constants per D-073) and the maturity progress.
+type stashViewData struct {
+	Stash         stashtypes.Stash
+	Activity      stashtypes.StashActivity
+	Found         bool
+	BreadScale    []breadtypes.BreadScale
+	BalanceBread  int64
+	MaturityPct   int
+	Mature        bool
+	ThresholdDays uint32
+	MaxGapDays    uint32
+}
+
+// handleStashDashboard renders the Stash dashboard (REQ-041): balance in Grain
+// + Bread-scale conversion (using x/bread/types.BreadScaleAll() + GrainsPerBread
+// per D-073 — code constants, NOT docs) + 90-day maturity progress bar
+// (StashActivity.IsMature, MaturityThresholdDays=90).
+func (s *Server) handleStashDashboard(w http.ResponseWriter, r *http.Request) {
+	holderID := r.PathValue("holderID")
+	stash, ok := s.Store.GetStash(holderID)
+	if !ok {
+		http.NotFound(w, r)
+		return
+	}
+	activity, _ := s.Store.GetStashActivity(stash.StashID)
+
+	// D-073: Bread-scale conversion from x/bread/types code constants.
+	scale := breadtypes.BreadScaleAll()
+	balanceBread := stash.BalanceGrain / breadtypes.GrainsPerBread
+
+	// Maturity progress: ActiveDays / MaturityThresholdDays, capped at 100%.
+	threshold := uint32(stashtypes.MaturityThresholdDays)
+	pct := int(float64(activity.ActiveDays) / float64(threshold) * 100)
+	if pct > 100 {
+		pct = 100
+	}
+	if pct < 0 {
+		pct = 0
+	}
+
+	s.render(w, "stash.html", stashViewData{
+		Stash:         stash,
+		Activity:      activity,
+		Found:         true,
+		BreadScale:    scale,
+		BalanceBread:  balanceBread,
+		MaturityPct:   pct,
+		Mature:        activity.IsMature(),
+		ThresholdDays: threshold,
+		MaxGapDays:    stashtypes.MaxGapForMaturity,
+	})
+}

web/handlers/stash_test.go

@@ -0,0 +1,156 @@
+package handlers
+
+import (
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+
+	breadtypes "github.com/oy/openyield/x/bread/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+)
+
+func TestStashDashboardSeededMatureHolder(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/stash/holder-alia", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /stash/holder-alia: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	// Balance in Grain present.
+	if !strings.Contains(body, "Grain") {
+		t.Errorf("body missing 'Grain' balance")
+	}
+	// Bread-scale conversion table present (all 11 denominations from BreadScaleAll).
+	for _, ds := range breadtypes.BreadScaleAll() {
+		if !strings.Contains(body, ds.Name) {
+			t.Errorf("body missing Bread-scale denomination %q", ds.Name)
+		}
+	}
+	// Mature holder (ActiveDays=92, MaxGap=10): progress ~100%, Mature badge.
+	if !strings.Contains(body, "Mature") {
+		t.Errorf("body missing 'Mature' badge for mature holder-alia")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestStashDashboardImmatureHolder(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/stash/holder-bryn", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /stash/holder-bryn: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	// Immature holder (ActiveDays=45, MaxGap=5): Not mature badge.
+	if !strings.Contains(body, "Not mature") {
+		t.Errorf("body missing 'Not mature' badge for immature holder-bryn")
+	}
+	// Progress bar at 50% (45/90).
+	if !strings.Contains(body, "50%") {
+		t.Errorf("body missing 50%% progress for holder-bryn (45/90 days)")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestStashDashboardMissingReturns404(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/stash/nobody", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusNotFound {
+		t.Fatalf("GET /stash/nobody: status %d, want 404", rec.Code)
+	}
+	// G-026: rendered-HTML lexicon check on the ERROR response body too.
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+// TestStashBreadScaleConversionCorrectness (D-073 regression guard): asserts
+// the Stash dashboard uses x/bread/types code constants (GrainsPerBread=10000,
+// BreadScaleAll() with Grain=1, Crumb=100, Bread=10000...), NOT the outdated
+// docs/shared/bread-scale.md (which claims 1,000x ratios). This test would FAIL
+// if the handler hardcoded the docs values instead of using the code constants.
+func TestStashBreadScaleConversionCorrectness(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/stash/holder-alia", nil)
+	mux.ServeHTTP(rec, req)
+	body := rec.Body.String()
+
+	// D-073: the code constants are the source of truth.
+	// GrainsPerBread must be 10000 (code), NOT 1000 (docs claim 1 Crumb=1000 Grain).
+	if breadtypes.GrainsPerBread != 10000 {
+		t.Fatalf("D-073: x/bread/types.GrainsPerBread = %d, want 10000 (code constant)", breadtypes.GrainsPerBread)
+	}
+
+	// The handler computes BalanceBread = BalanceGrain / GrainsPerBread.
+	// holder-alia seed: BalanceGrain = 920000 -> 92 Bread.
+	stash, ok := srv.Store.GetStash("holder-alia")
+	if !ok {
+		t.Fatal("seeded holder-alia stash missing")
+	}
+	wantBread := stash.BalanceGrain / breadtypes.GrainsPerBread
+	wantBreadStr := []byte(formatInt(wantBread))
+	if !strings.Contains(body, string(wantBreadStr)) {
+		t.Errorf("D-073: body missing expected Bread conversion %d (from %d Grain / %d GrainsPerBread)",
+			wantBread, stash.BalanceGrain, breadtypes.GrainsPerBread)
+	}
+
+	// The Bread-scale table must include the code-constant Grain values.
+	scale := breadtypes.BreadScaleAll()
+	for _, ds := range scale {
+		if !strings.Contains(body, formatInt(ds.GrainValue)) {
+			t.Errorf("D-073: body missing Bread-scale GrainValue %d for %s", ds.GrainValue, ds.Name)
+		}
+	}
+
+	// Regression guard: if someone used the outdated docs value (1 Crumb = 1000
+	// Grain) instead of the code constant (1 Crumb = 100 Grain), the Crumb row
+	// would show 1000 — assert it shows 100 (the code value).
+	crumbs := scale[1] // index 1 = Crumb
+	if crumbs.Name != "Crumb" || crumbs.GrainValue != 100 {
+		t.Fatalf("D-073: BreadScaleAll()[1] = {%s, %d}, want {Crumb, 100}", crumbs.Name, crumbs.GrainValue)
+	}
+	if !strings.Contains(body, "100") {
+		t.Errorf("D-073: body missing code-constant Crumb=100 Grain (would show 1000 if docs values were used)")
+	}
+}
+
+// Compile-time assertions that the handler uses the real x/*/types structs
+// (D-067: the UI grounds in the real Go type definitions).
+var _ stashtypes.Stash
+var _ stashtypes.StashActivity
+
+// formatInt is a tiny strconv.Itoa without the import (keeps test deps minimal).
+func formatInt(n int64) string {
+	if n == 0 {
+		return "0"
+	}
+	neg := n < 0
+	if neg {
+		n = -n
+	}
+	var buf [20]byte
+	i := len(buf)
+	for n > 0 {
+		i--
+		buf[i] = byte('0' + n%10)
+		n /= 10
+	}
+	if neg {
+		i--
+		buf[i] = '-'
+	}
+	return string(buf[i:])
+}

web/handlers/window.go

@@ -0,0 +1,119 @@
+package handlers
+
+import (
+	"net/http"
+	"strconv"
+	"time"
+
+	windowtypes "github.com/oy/openyield/x/window/types"
+)
+
+// registerWindow wires the Window authorization routes (REQ-042) into the mux.
+func (s *Server) registerWindow(mux *http.ServeMux) {
+	mux.HandleFunc("GET /window", s.handleWindowList)
+	mux.HandleFunc("GET /window/new", s.handleWindowNew)
+	mux.HandleFunc("POST /window", s.handleWindowOpen)
+	mux.HandleFunc("GET /window/{id}", s.handleWindowDetail)
+	mux.HandleFunc("POST /window/{id}/activate", s.handleWindowActivate)
+	mux.HandleFunc("POST /window/{id}/revoke", s.handleWindowRevoke)
+	mux.HandleFunc("POST /window/{id}/expire", s.handleWindowExpire)
+}
+
+// handleWindowList renders all Windows for a grantor holder (defaults to
+// holder-alia if no query param, so the list view has something to show).
+func (s *Server) handleWindowList(w http.ResponseWriter, r *http.Request) {
+	grantor := r.URL.Query().Get("grantor")
+	if grantor == "" {
+		grantor = "holder-alia"
+	}
+	windows := s.Store.ListWindows(grantor)
+	s.render(w, "window_list.html", map[string]any{"Windows": windows, "Grantor": grantor})
+}
+
+// handleWindowNew renders the "Open a Window" form.
+func (s *Server) handleWindowNew(w http.ResponseWriter, r *http.Request) {
+	s.render(w, "window_new.html", nil)
+}
+
+// handleWindowOpen handles the POST from the "Open a Window" form. Calls
+// store.OpenWindow (creates a Window status=Open + an initial AuditEntry).
+func (s *Server) handleWindowOpen(w http.ResponseWriter, r *http.Request) {
+	grantor := r.FormValue("grantor_holder")
+	grantee := r.FormValue("grantee")
+	scopeKind := windowtypes.ScopeKind(r.FormValue("scope_kind"))
+	resourceID := r.FormValue("resource_id")
+	startStr := r.FormValue("start_unix")
+	endStr := r.FormValue("end_unix")
+	maxActionsStr := r.FormValue("max_actions")
+
+	if grantor == "" {
+		http.Error(w, "grantor holder is required", http.StatusBadRequest)
+		return
+	}
+	if grantee == "" {
+		http.Error(w, "grantee is required", http.StatusBadRequest)
+		return
+	}
+	start, _ := strconv.ParseInt(startStr, 10, 64)
+	end, _ := strconv.ParseInt(endStr, 10, 64)
+	if start == 0 {
+		start = time.Now().Unix()
+	}
+	if end == 0 {
+		end = start + 3600
+	}
+	maxActions, _ := strconv.ParseUint(maxActionsStr, 10, 32)
+	if maxActions == 0 {
+		maxActions = 10
+	}
+	scope := windowtypes.Scope{Kind: scopeKind, ResourceID: resourceID}
+	rateLimit := windowtypes.RateLimit{MaxActions: uint32(maxActions), PerDurationSeconds: 3600}
+	win, err := s.Store.OpenWindow(grantor, grantee, scope, start, end, rateLimit)
+	if err != nil {
+		http.Error(w, "could not open a Window: "+err.Error(), http.StatusBadRequest)
+		return
+	}
+	http.Redirect(w, r, "/window/"+win.WindowID, http.StatusFound)
+}
+
+// handleWindowDetail renders one Window + its lifecycle state + audit log.
+func (s *Server) handleWindowDetail(w http.ResponseWriter, r *http.Request) {
+	id := r.PathValue("id")
+	win, ok := s.Store.GetWindow(id)
+	if !ok {
+		http.NotFound(w, r)
+		return
+	}
+	auditLog := s.Store.GetAuditLog(id)
+	s.render(w, "window_detail.html", map[string]any{"Window": win, "AuditLog": auditLog})
+}
+
+// handleWindowActivate transitions Open → Active (calls Window.Activate).
+func (s *Server) handleWindowActivate(w http.ResponseWriter, r *http.Request) {
+	id := r.PathValue("id")
+	if err := s.Store.ActivateWindow(id); err != nil {
+		http.Error(w, "could not activate: "+err.Error(), http.StatusBadRequest)
+		return
+	}
+	http.Redirect(w, r, "/window/"+id, http.StatusSeeOther)
+}
+
+// handleWindowRevoke transitions to Revoked (calls Window.Revoke; idempotent).
+func (s *Server) handleWindowRevoke(w http.ResponseWriter, r *http.Request) {
+	id := r.PathValue("id")
+	if err := s.Store.RevokeWindow(id); err != nil {
+		http.Error(w, "could not revoke: "+err.Error(), http.StatusBadRequest)
+		return
+	}
+	http.Redirect(w, r, "/window/"+id, http.StatusSeeOther)
+}
+
+// handleWindowExpire transitions to Expired (calls Window.Expire).
+func (s *Server) handleWindowExpire(w http.ResponseWriter, r *http.Request) {
+	id := r.PathValue("id")
+	if err := s.Store.ExpireWindow(id); err != nil {
+		http.Error(w, "could not expire: "+err.Error(), http.StatusBadRequest)
+		return
+	}
+	http.Redirect(w, r, "/window/"+id, http.StatusSeeOther)
+}

web/handlers/window_test.go

@@ -0,0 +1,363 @@
+package handlers
+
+import (
+	"net/http"
+	"net/http/httptest"
+	"strings"
+	"testing"
+
+	windowtypes "github.com/oy/openyield/x/window/types"
+)
+
+func TestWindowOpenCreatesWindowStatusOpen(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	body := "grantor_holder=holder-alia&grantee=service-1&scope_kind=ReadStash&resource_id=stash-holder-alia&max_actions=5"
+	req := httptest.NewRequest("POST", "/window", strings.NewReader(body))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusFound {
+		t.Fatalf("POST /window: status %d, want 302", rec.Code)
+	}
+	loc := rec.Header().Get("Location")
+	if !strings.HasPrefix(loc, "/window/window-") {
+		t.Errorf("POST /window: Location %q, want /window/window-...", loc)
+	}
+	// Extract the windowID and verify it exists with Status=Open + an initial AuditEntry.
+	windowID := strings.TrimPrefix(loc, "/window/")
+	win, ok := srv.Store.GetWindow(windowID)
+	if !ok {
+		t.Fatalf("POST /window: GetWindow(%q) miss", windowID)
+	}
+	if win.Status != windowtypes.StatusOpen {
+		t.Errorf("POST /window: created Window status %q, want Open", win.Status)
+	}
+	audit := srv.Store.GetAuditLog(windowID)
+	if len(audit) != 1 {
+		t.Errorf("POST /window: audit log len %d, want 1 (initial entry)", len(audit))
+	}
+	if audit[0].Action != "open" {
+		t.Errorf("POST /window: initial audit action %q, want open", audit[0].Action)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestWindowActivateTransitionsOpenToActive(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-holder-alia"}
+	rl := windowtypes.RateLimit{MaxActions: 10, PerDurationSeconds: 3600}
+	win, err := srv.Store.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+	if err != nil {
+		t.Fatalf("OpenWindow: %v", err)
+	}
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/window/"+win.WindowID+"/activate", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusSeeOther {
+		t.Fatalf("POST activate: status %d, want 303", rec.Code)
+	}
+	// Lifecycle correctness: assert the real Window.Activate() was invoked
+	// (the handler calls store.ActivateWindow which calls w.Activate()).
+	updated, ok := srv.Store.GetWindow(win.WindowID)
+	if !ok {
+		t.Fatal("window missing after activate")
+	}
+	if updated.Status != windowtypes.StatusActive {
+		t.Errorf("after activate: status %q, want Active (Window.Activate was NOT invoked)", updated.Status)
+	}
+	audit := srv.Store.GetAuditLog(win.WindowID)
+	if len(audit) != 2 {
+		t.Errorf("after activate: audit log len %d, want 2 (initial + activate)", len(audit))
+	}
+	if audit[1].Action != "activate" {
+		t.Errorf("after activate: audit[1].Action %q, want activate", audit[1].Action)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestWindowRevokeTransitionsToRevoked(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-holder-alia"}
+	rl := windowtypes.RateLimit{MaxActions: 10, PerDurationSeconds: 3600}
+	win, _ := srv.Store.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+	_ = srv.Store.ActivateWindow(win.WindowID)
+
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/window/"+win.WindowID+"/revoke", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusSeeOther {
+		t.Fatalf("POST revoke: status %d, want 303", rec.Code)
+	}
+	updated, _ := srv.Store.GetWindow(win.WindowID)
+	if updated.Status != windowtypes.StatusRevoked {
+		t.Errorf("after revoke: status %q, want Revoked (Window.Revoke was NOT invoked)", updated.Status)
+	}
+	if !updated.Revoked {
+		t.Errorf("after revoke: Revoked flag false, want true")
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestWindowRevokeIdempotentOnAlreadyRevoked(t *testing.T) {
+	srv := newTestServer(t)
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-holder-alia"}
+	rl := windowtypes.RateLimit{MaxActions: 10, PerDurationSeconds: 3600}
+	win, _ := srv.Store.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+	_ = srv.Store.ActivateWindow(win.WindowID)
+	_ = srv.Store.RevokeWindow(win.WindowID)
+	auditBefore := len(srv.Store.GetAuditLog(win.WindowID))
+
+	// Second revoke is a no-op (idempotent): no new AuditEntry.
+	_ = srv.Store.RevokeWindow(win.WindowID)
+	auditAfter := len(srv.Store.GetAuditLog(win.WindowID))
+	if auditAfter != auditBefore {
+		t.Errorf("idempotent revoke: audit log grew %d -> %d (revoke on already-revoked must be a no-op)", auditBefore, auditAfter)
+	}
+}
+
+func TestWindowRevokeOnExpiredIsNoOp(t *testing.T) {
+	srv := newTestServer(t)
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-holder-alia"}
+	rl := windowtypes.RateLimit{MaxActions: 10, PerDurationSeconds: 3600}
+	win, _ := srv.Store.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+	_ = srv.Store.ActivateWindow(win.WindowID)
+	_ = srv.Store.ExpireWindow(win.WindowID)
+	auditBefore := len(srv.Store.GetAuditLog(win.WindowID))
+
+	// Revoke on an Expired window is a no-op (Expired is terminal — v0.2 contract).
+	_ = srv.Store.RevokeWindow(win.WindowID)
+	updated, _ := srv.Store.GetWindow(win.WindowID)
+	if updated.Status != windowtypes.StatusExpired {
+		t.Errorf("revoke-on-expired: status %q, want Expired (terminal state must win)", updated.Status)
+	}
+	auditAfter := len(srv.Store.GetAuditLog(win.WindowID))
+	if auditAfter != auditBefore {
+		t.Errorf("revoke-on-expired: audit log grew %d -> %d (must be a no-op)", auditBefore, auditAfter)
+	}
+}
+
+func TestWindowExpireTransitionsToExpired(t *testing.T) {
+	srv := newTestServer(t)
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-holder-alia"}
+	rl := windowtypes.RateLimit{MaxActions: 10, PerDurationSeconds: 3600}
+	win, _ := srv.Store.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+	_ = srv.Store.ActivateWindow(win.WindowID)
+
+	_ = srv.Store.ExpireWindow(win.WindowID)
+	updated, _ := srv.Store.GetWindow(win.WindowID)
+	if updated.Status != windowtypes.StatusExpired {
+		t.Errorf("after expire: status %q, want Expired (Window.Expire was NOT invoked)", updated.Status)
+	}
+}
+
+func TestWindowDetailRendersLifecycleAndAuditLog(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-holder-alia"}
+	rl := windowtypes.RateLimit{MaxActions: 10, PerDurationSeconds: 3600}
+	win, _ := srv.Store.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+	_ = srv.Store.ActivateWindow(win.WindowID)
+
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/window/"+win.WindowID, nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /window/%s: status %d, want 200", win.WindowID, rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, "Active") {
+		t.Errorf("detail: body missing Active badge")
+	}
+	if !strings.Contains(body, "activate") {
+		t.Errorf("detail: body missing activate audit-log entry")
+	}
+	if !strings.Contains(body, "open") {
+		t.Errorf("detail: body missing open audit-log entry")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestWindowDetailMissingReturns404(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/window/window-nobody", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusNotFound {
+		t.Fatalf("GET /window/window-nobody: status %d, want 404", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestWindowOpenEmptyGrantorReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	body := "grantor_holder=&grantee=service-1&scope_kind=ReadStash"
+	req := httptest.NewRequest("POST", "/window", strings.NewReader(body))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST /window empty grantor: status %d, want 400", rec.Code)
+	}
+	// G-026: rendered-HTML lexicon check on the ERROR response body too.
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+// Compile-time assertion that the handler uses the real x/window/types struct
+// (D-067: the UI grounds in the real Go type definitions).
+var _ windowtypes.Window
+
+func TestWindowListRendersSeededEmpty(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/window", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /window: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	// No windows yet for holder-alia (fresh store) -> empty message.
+	if !strings.Contains(body, "Open a Window") {
+		t.Errorf("GET /window: body missing 'Open a Window' link")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestWindowListRendersCreatedWindows(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-holder-alia"}
+	rl := windowtypes.RateLimit{MaxActions: 5, PerDurationSeconds: 3600}
+	w, _ := srv.Store.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/window", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /window: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, w.WindowID) {
+		t.Errorf("GET /window: body missing created window %s", w.WindowID)
+	}
+	if !strings.Contains(body, "service-1") {
+		t.Errorf("GET /window: body missing grantee service-1")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestWindowNewRendersForm(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("GET", "/window/new", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusOK {
+		t.Fatalf("GET /window/new: status %d, want 200", rec.Code)
+	}
+	body := rec.Body.String()
+	if !strings.Contains(body, "Open a Window") {
+		t.Errorf("GET /window/new: body missing 'Open a Window' label")
+	}
+	if !strings.Contains(body, "ReadStash") {
+		t.Errorf("GET /window/new: body missing ScopeKind option ReadStash")
+	}
+	if !strings.Contains(body, "ProcessPassActForStand") {
+		t.Errorf("GET /window/new: body missing ScopeKind option ProcessPassActForStand")
+	}
+	assertNoBannedTerms(t, body)
+}
+
+func TestWindowOpenEmptyGranteeReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	body := "grantor_holder=holder-alia&grantee=&scope_kind=ReadStash"
+	req := httptest.NewRequest("POST", "/window", strings.NewReader(body))
+	req.Header.Set("Content-Type", "application/x-www-form-urlencoded")
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST /window empty grantee: status %d, want 400", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestWindowActivateNotFoundReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/window/window-nobody/activate", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST activate nobody: status %d, want 400", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestWindowRevokeNotFoundReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/window/window-nobody/revoke", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST revoke nobody: status %d, want 400", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestWindowExpireNotFoundReturns400(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/window/window-nobody/expire", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusBadRequest {
+		t.Fatalf("POST expire nobody: status %d, want 400", rec.Code)
+	}
+	assertNoBannedTerms(t, rec.Body.String())
+}
+
+func TestWindowRevokeAndExpireHandlersRedirect(t *testing.T) {
+	srv := newTestServer(t)
+	mux := http.NewServeMux()
+	srv.Register(mux)
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-holder-alia"}
+	rl := windowtypes.RateLimit{MaxActions: 10, PerDurationSeconds: 3600}
+	win, _ := srv.Store.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+	_ = srv.Store.ActivateWindow(win.WindowID)
+
+	rec := httptest.NewRecorder()
+	req := httptest.NewRequest("POST", "/window/"+win.WindowID+"/revoke", nil)
+	mux.ServeHTTP(rec, req)
+	if rec.Code != http.StatusSeeOther {
+		t.Fatalf("POST revoke: status %d, want 303", rec.Code)
+	}
+
+	// Expire on a revoked window: revoked is not terminal for expire, so it
+	// transitions to Expired (Window.Expire sets status unconditionally).
+	rec2 := httptest.NewRecorder()
+	req2 := httptest.NewRequest("POST", "/window/"+win.WindowID+"/expire", nil)
+	mux.ServeHTTP(rec2, req2)
+	if rec2.Code != http.StatusSeeOther {
+		t.Fatalf("POST expire: status %d, want 303", rec2.Code)
+	}
+}

web/main.go

@@ -0,0 +1,5 @@
+package main
+
+func main() {
+	runServer()
+}

web/server.go

@@ -0,0 +1,42 @@
+package main
+
+import (
+	"log"
+	"net/http"
+	"os"
+
+	"github.com/oy/openyield/web/handlers"
+	"github.com/oy/openyield/web/store"
+)
+
+func runServer() {
+	port := os.Getenv("PORT")
+	if port == "" {
+		port = "8080"
+	}
+
+	mux := http.NewServeMux()
+
+	srv, err := handlers.New(store.NewStore(), "web/templates")
+	if err != nil {
+		log.Fatalf("init handlers: %v", err)
+	}
+	srv.Register(mux)
+
+	// Home page (rendered via the handlers' page machinery too).
+	mux.HandleFunc("GET /", func(w http.ResponseWriter, r *http.Request) {
+		if r.URL.Path != "/" {
+			http.NotFound(w, r)
+			return
+		}
+		srv.RenderHome(w, nil)
+	})
+
+	mux.Handle("GET /static/", http.StripPrefix("/static/", http.FileServer(http.Dir("web/static"))))
+
+	server := &http.Server{Addr: ":" + port, Handler: mux}
+	log.Printf("OpenYield web on :%s", port)
+	if err := server.ListenAndServe(); err != nil {
+		log.Fatalf("server: %v", err)
+	}
+}

web/static/style.css

@@ -0,0 +1,78 @@
+/* style.css — OpenYield web UI minimal styling (lexicon-clean).
+   No banned terms in comments or class names (REQ-012/REQ-045). */
+
+:root {
+  --bg: #0d1117;
+  --panel: #161b22;
+  --ink: #c9d1d9;
+  --muted: #8b949e;
+  --accent: #58a6ff;
+  --line: #30363d;
+}
+
+* { box-sizing: border-box; }
+
+body {
+  margin: 0;
+  font-family: system-ui, -apple-system, sans-serif;
+  background: var(--bg);
+  color: var(--ink);
+  line-height: 1.5;
+}
+
+a { color: var(--accent); text-decoration: none; }
+a:hover { text-decoration: underline; }
+
+header.nav {
+  border-bottom: 1px solid var(--line);
+  padding: 0.75rem 1.5rem;
+  display: flex;
+  gap: 1.25rem;
+  align-items: center;
+  background: var(--panel);
+}
+header.nav .brand { font-weight: 600; color: var(--ink); }
+header.nav a { color: var(--muted); }
+header.nav a:hover { color: var(--accent); }
+
+main { max-width: 960px; margin: 2rem auto; padding: 0 1.5rem; }
+
+footer {
+  border-top: 1px solid var(--line);
+  padding: 1rem 1.5rem;
+  color: var(--muted);
+  font-size: 0.85rem;
+  text-align: center;
+}
+
+.panel {
+  background: var(--panel);
+  border: 1px solid var(--line);
+  border-radius: 6px;
+  padding: 1.25rem;
+  margin-bottom: 1.5rem;
+}
+
+table { width: 100%; border-collapse: collapse; }
+th, td { text-align: left; padding: 0.5rem 0.75rem; border-bottom: 1px solid var(--line); }
+th { color: var(--muted); font-weight: 600; font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; }
+
+form .field { margin-bottom: 1rem; }
+form label { display: block; margin-bottom: 0.25rem; color: var(--muted); font-size: 0.9rem; }
+form input[type=text], form input[type=password] {
+  width: 100%; max-width: 32rem;
+  padding: 0.5rem 0.65rem;
+  background: var(--bg);
+  border: 1px solid var(--line);
+  border-radius: 4px;
+  color: var(--ink);
+  font-family: monospace;
+}
+button, .btn {
+  background: var(--accent); color: #0d1117; border: none;
+  padding: 0.5rem 1rem; border-radius: 4px; font-weight: 600; cursor: pointer;
+}
+button:hover, .btn:hover { opacity: 0.9; text-decoration: none; }
+
+.error { color: #f85149; }
+.muted { color: var(--muted); }

web/store/fixtures.go

@@ -0,0 +1,137 @@
+package store
+
+import (
+	"time"
+
+	bloomtypes "github.com/oy/openyield/x/bloom/types"
+	identitytypes "github.com/oy/openyield/x/identity/types"
+	standingtypes "github.com/oy/openyield/x/standing/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+)
+
+// seed populates the store with a few pre-existing Reach/Stash pairs for the
+// list view. All strings lexicon-clean ("Holder"/"Reach"/"Stash"; NOT the
+// banned financial terms). Two fixtures: one mature (90+ active days),
+// one immature (45 active days) so the Stash dashboard (P2) can show both
+// states. P4 seeds Ratings/Vouches so the Standing screen can show a
+// Freeholder-eligible Reach (holder-alia) vs a non-eligible one (holder-bryn).
+func (s *Store) seed() {
+	now := time.Now().Unix()
+	seedOne(s, "holder-alia", "pk-alia-001", now, 920000, 92, 10)
+	seedOne(s, "holder-bryn", "pk-bryn-002", now, 410000, 45, 5)
+	seedStanding(s, now)
+	seedBloom(s, now)
+}
+
+// seedBloom seeds mock BloomRecords per Stash (P5). holder-alia gets a record
+// at the target rate (450 bps = 4.5%); holder-bryn gets a record at 420 bps
+// (4.2%, within the 4.0%-5.0% band). AccruedGrain is a mock value.
+func seedBloom(s *Store, now int64) {
+	s.bloomRecords["stash-holder-alia"] = bloomtypes.BloomRecord{
+		StashID:          "stash-holder-alia",
+		AccruedGrain:     45000,
+		LastAccrualBlock: 1000,
+		RateBasisPoints:  bloomtypes.TargetBloomRateBasisPoints, // 450 (4.5%, D-073 code constant)
+	}
+	s.bloomRecords["stash-holder-bryn"] = bloomtypes.BloomRecord{
+		StashID:          "stash-holder-bryn",
+		AccruedGrain:     18000,
+		LastAccrualBlock: 1000,
+		RateBasisPoints:  420, // 4.2% (within the 400-500 band)
+	}
+}
+
+// seedStanding seeds mock Ratings + Vouches. holder-alia gets 12 ratings
+// across 4 categories at 4.6-4.9 (Freeholder-eligible: score >= 4.5 in >= 3
+// cats) + 1 Vouch (CommunityEndorsement). holder-bryn gets 3 ratings in 1
+// category (not eligible: < 3 categories, no Vouch).
+func seedStanding(s *Store, now int64) {
+	// holder-alia: 12 ratings, 4 categories, scores 4.6-4.9.
+	aliaCats := []string{"care", "sim", "vault", "mail"}
+	for i := 0; i < 12; i++ {
+		cat := aliaCats[i%4]
+		score := 4.6 + float64(i%4)*0.1 // 4.6, 4.7, 4.8, 4.9 repeating
+		s.ratings["holder-alia"] = append(s.ratings["holder-alia"], standingtypes.Rating{
+			RaterID:     "rater-" + itoa(i),
+			RateeID:     "holder-alia",
+			Category:    cat,
+			Score:       score,
+			Weight:      1.0,
+			TxRef:       "tx-r-" + itoa(i),
+			Timestamp:   now - int64(i)*86400,
+			DecayBucket: 0, // 6mo bucket (1.0)
+		})
+	}
+	// 1 Vouch for holder-alia (CommunityEndorsement signal).
+	s.vouches["holder-alia"] = []standingtypes.Vouch{{
+		VoucherID:  "voucher-freeholder-1",
+		VoucheeID:  "holder-alia",
+		Category:   "care",
+		BondAmount: 100000,
+		Timestamp:  now,
+	}}
+
+	// holder-bryn: 3 ratings, 1 category, scores 4.0-4.2 (not eligible: < 3 cats).
+	for i := 0; i < 3; i++ {
+		s.ratings["holder-bryn"] = append(s.ratings["holder-bryn"], standingtypes.Rating{
+			RaterID:     "rater-b-" + itoa(i),
+			RateeID:     "holder-bryn",
+			Category:    "care",
+			Score:       4.0 + float64(i)*0.1,
+			Weight:      1.0,
+			TxRef:       "tx-b-" + itoa(i),
+			Timestamp:   now - int64(i)*86400,
+			DecayBucket: 0,
+		})
+	}
+	// No Vouches for holder-bryn (CommunityEndorsement signal false).
+}
+
+func seedOne(s *Store, holderID, pubKey string, now int64, balanceGrain int64, activeDays, maxGap uint32) {
+	reachID := "reach-" + holderID
+	stashID := "stash-" + holderID
+	s.reaches[holderID] = identitytypes.Reach{
+		ReachID:   reachID,
+		HolderID:  holderID,
+		CreatedAt: now - int64(activeDays)*86400,
+		PublicKey: pubKey,
+		IsNomad:   true,
+	}
+	s.stashes[holderID] = stashtypes.Stash{
+		HolderID:     holderID,
+		StashID:      stashID,
+		CreatedAt:    now - int64(activeDays)*86400,
+		LastActive:   now,
+		BalanceGrain: balanceGrain,
+	}
+	s.stashActivities[stashID] = stashtypes.StashActivity{
+		StashID:         stashID,
+		ActiveDays:      activeDays,
+		MaxGapDays:      maxGap,
+		LastActivityDay: now,
+	}
+}
+
+// itoa is a tiny int->string helper to avoid importing strconv (keeps the
+// fixtures file import-light; the mock data uses small integers only).
+func itoa(n int) string {
+	if n == 0 {
+		return "0"
+	}
+	neg := n < 0
+	if neg {
+		n = -n
+	}
+	var buf [12]byte
+	i := len(buf)
+	for n > 0 {
+		i--
+		buf[i] = byte('0' + n%10)
+		n /= 10
+	}
+	if neg {
+		i--
+		buf[i] = '-'
+	}
+	return string(buf[i:])
+}

web/store/import_test.go

@@ -0,0 +1,108 @@
+// import_test.go enforces the G-003/G-025 boundary for web/: web/ is the
+// application layer that consumes protocol types (D-070), NOT a cross-x/
+// production import. The invariant: every non-test .go file under web/ may
+// import github.com/oy/openyield/x/<module>/types packages (the app-layer
+// consumption direction), but MUST NOT import github.com/oy/openyield/
+// x/<module>/keeper OR github.com/oy/openyield/x/<module> (the module.go
+// packages — G-025 extends the original keeper-only check to also forbid
+// module.go, since those packages carry Cosmos runtime machinery the mock UI
+// must not reach into). This test uses go/parser (stdlib only — G-006) and
+// mirrors the x/window/types/types_test.go G-003 pattern, but with the
+// inverted rule: x/*/types is ALLOWED (app-layer consumption), x/*/keeper
+// and x/<module> (module.go) are FORBIDDEN.
+package store
+
+import (
+	"go/parser"
+	"go/token"
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+)
+
+func TestG025WebImportsOnlyTypesNotKeeperOrModule(t *testing.T) {
+	webRoot := webRoot(t)
+	fset := token.NewFileSet()
+	violations := []string{}
+	err := filepath.Walk(webRoot, func(path string, info os.FileInfo, err error) error {
+		if err != nil {
+			return err
+		}
+		if info.IsDir() {
+			return nil
+		}
+		if !strings.HasSuffix(path, ".go") {
+			return nil
+		}
+		// Skip test files (G-025 is about production code only).
+		if strings.HasSuffix(path, "_test.go") {
+			return nil
+		}
+		f, perr := parser.ParseFile(fset, path, nil, parser.ImportsOnly)
+		if perr != nil {
+			return perr
+		}
+		for _, imp := range f.Imports {
+			ip := strings.Trim(imp.Path.Value, `"`)
+			if isForbiddenXImport(ip) {
+				rel, _ := filepath.Rel(webRoot, path)
+				violations = append(violations, rel+" -> "+ip)
+			}
+		}
+		return nil
+	})
+	if err != nil {
+		t.Fatalf("walk web/: %v", err)
+	}
+	if len(violations) > 0 {
+		t.Errorf("G-025 violation: web/ production files importing forbidden x/ packages:\n  %s",
+			strings.Join(violations, "\n  "))
+	}
+}
+
+// isForbiddenXImport reports whether ip is an x/<module>/keeper or a bare
+// x/<module> (module.go) import — both forbidden from web/ (G-025). The
+// x/<module>/types packages are ALLOWED (D-070 app-layer consumption).
+func isForbiddenXImport(ip string) bool {
+	const prefix = "github.com/oy/openyield/x/"
+	if !strings.HasPrefix(ip, prefix) {
+		return false
+	}
+	rest := strings.TrimPrefix(ip, prefix)
+	parts := strings.Split(rest, "/")
+	switch len(parts) {
+	case 1:
+		// x/<module> (module.go package) — forbidden (G-025).
+		return true
+	case 2:
+		// x/<module>/types -> allowed (D-070). x/<module>/keeper -> forbidden.
+		if parts[1] == "types" {
+			return false
+		}
+		return true
+	default:
+		// x/<module>/<sub>/... — forbid anything other than types (e.g.
+		// x/<module>/keeper/... sub-packages).
+		if parts[1] == "types" {
+			return false
+		}
+		return true
+	}
+}
+
+// webRoot returns the absolute path to the web/ directory by walking up
+// from this test file (web/store/import_test.go -> repoRoot/web).
+func webRoot(t *testing.T) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	// file = .../oy/web/store/import_test.go
+	// repoRoot = filepath.Dir(filepath.Dir(filepath.Dir(file)))
+	// webRoot = repoRoot/web
+	repoRoot := filepath.Dir(filepath.Dir(filepath.Dir(file)))
+	return filepath.Join(repoRoot, "web")
+}

web/store/store.go

@@ -0,0 +1,428 @@
+// Package store is the in-memory mock data layer for the OpenYield web UI.
+//
+// It instantiates the real x/*/types structs (Reach, Stash, StashActivity)
+// from in-memory fixtures and provides create/get/list methods. This is the
+// app-layer consumption of protocol types (D-070), NOT a cross-x/ production
+// import — web/ is NOT an x/ module. No keeper, no Cosmos runtime, no app.go
+// (G-003 boundary enforced by import_test.go / G-025).
+package store
+
+import (
+	"fmt"
+	"strings"
+	"sync"
+	"time"
+
+	bloomtypes "github.com/oy/openyield/x/bloom/types"
+	identitytypes "github.com/oy/openyield/x/identity/types"
+	standingtypes "github.com/oy/openyield/x/standing/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+	windowtypes "github.com/oy/openyield/x/window/types"
+)
+
+// seedBalanceGrain is the test balance seeded to a new Stash at signup (D-071
+// example: 500000 Grain = 50 Bread per GrainsPerBread=10000).
+const seedBalanceGrain int64 = 500000
+
+// Store is the in-memory mock store. All methods are goroutine-safe (mu).
+type Store struct {
+	mu              sync.Mutex
+	reaches         map[string]identitytypes.Reach
+	stashes         map[string]stashtypes.Stash
+	stashActivities map[string]stashtypes.StashActivity
+	windows         map[string]windowtypes.Window
+	auditLogs       map[string][]windowtypes.AuditEntry
+	ratings         map[string][]standingtypes.Rating
+	vouches         map[string][]standingtypes.Vouch
+	slashes         map[string][]standingtypes.Slash
+	bloomRecords    map[string]bloomtypes.BloomRecord
+}
+
+// NewStore constructs a Store seeded from fixtures (fixtures.go).
+func NewStore() *Store {
+	s := &Store{
+		reaches:         map[string]identitytypes.Reach{},
+		stashes:         map[string]stashtypes.Stash{},
+		stashActivities: map[string]stashtypes.StashActivity{},
+		windows:         map[string]windowtypes.Window{},
+		auditLogs:       map[string][]windowtypes.AuditEntry{},
+		ratings:         map[string][]standingtypes.Rating{},
+		vouches:         map[string][]standingtypes.Vouch{},
+		slashes:         map[string][]standingtypes.Slash{},
+		bloomRecords:    map[string]bloomtypes.BloomRecord{},
+	}
+	s.seed()
+	return s
+}
+
+// CreateReach atomically creates a Reach (IsNomad=true) + a Stash (D-071).
+// G-027: HolderID and PublicKey are validated (non-empty, <=128 bytes, no
+// path separators, no template syntax) before any map write. Returns the
+// created Reach + Stash.
+func (s *Store) CreateReach(holderID, publicKey string) (identitytypes.Reach, stashtypes.Stash, error) {
+	if err := validateReachInput(holderID, publicKey); err != nil {
+		return identitytypes.Reach{}, stashtypes.Stash{}, err
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	if _, dup := s.reaches[holderID]; dup {
+		return identitytypes.Reach{}, stashtypes.Stash{}, fmt.Errorf("holder %q already has a Reach", holderID)
+	}
+	now := time.Now().Unix()
+	reachID := "reach-" + holderID
+	stashID := "stash-" + holderID
+	reach := identitytypes.Reach{
+		ReachID:   reachID,
+		HolderID:  holderID,
+		CreatedAt: now,
+		PublicKey: publicKey,
+		IsNomad:   true,
+	}
+	stash := stashtypes.Stash{
+		HolderID:     holderID,
+		StashID:      stashID,
+		CreatedAt:    now,
+		LastActive:   now,
+		BalanceGrain: seedBalanceGrain,
+	}
+	activity := stashtypes.StashActivity{
+		StashID:         stashID,
+		ActiveDays:      1,
+		MaxGapDays:      1,
+		LastActivityDay: now,
+	}
+	s.reaches[holderID] = reach
+	s.stashes[holderID] = stash
+	s.stashActivities[stashID] = activity
+	return reach, stash, nil
+}
+
+// ListReaches returns all seeded + created Reaches.
+func (s *Store) ListReaches() []identitytypes.Reach {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	out := make([]identitytypes.Reach, 0, len(s.reaches))
+	for _, r := range s.reaches {
+		out = append(out, r)
+	}
+	return out
+}
+
+// GetReach returns the Reach for a holderID (by HolderID, the stable key).
+func (s *Store) GetReach(holderID string) (identitytypes.Reach, bool) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	r, ok := s.reaches[holderID]
+	return r, ok
+}
+
+// GetStash returns the Stash for a holderID.
+func (s *Store) GetStash(holderID string) (stashtypes.Stash, bool) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	st, ok := s.stashes[holderID]
+	return st, ok
+}
+
+// GetStashActivity returns the StashActivity for a stashID.
+func (s *Store) GetStashActivity(stashID string) (stashtypes.StashActivity, bool) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	a, ok := s.stashActivities[stashID]
+	return a, ok
+}
+
+// OpenWindow creates a new Window in the Open status (REQ-042) with an initial
+// AuditEntry. Returns the created Window. The Window is keyed by a generated
+// windowID derived from the grantor + a counter (mock; not cryptographic).
+func (s *Store) OpenWindow(grantorHolder, grantee string, scope windowtypes.Scope, start, end int64, rateLimit windowtypes.RateLimit) (windowtypes.Window, error) {
+	if grantorHolder == "" {
+		return windowtypes.Window{}, fmt.Errorf("grantor holder is required")
+	}
+	if grantee == "" {
+		return windowtypes.Window{}, fmt.Errorf("grantee is required")
+	}
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	windowID := fmt.Sprintf("window-%s-%d", grantorHolder, len(s.windows)+1)
+	now := time.Now().Unix()
+	w := windowtypes.Window{
+		WindowID:      windowID,
+		GrantorHolder: grantorHolder,
+		Grantee:       grantee,
+		Scope:         scope,
+		Start:         start,
+		End:           end,
+		RateLimit:     rateLimit,
+		Status:        windowtypes.StatusOpen,
+	}
+	s.windows[windowID] = w
+	entry := windowtypes.AuditEntry{
+		EntryID:    windowID + "-audit-1",
+		Timestamp:  now,
+		Action:     "open",
+		Result:     "created",
+		GranterRef: grantorHolder,
+	}
+	s.auditLogs[windowID] = []windowtypes.AuditEntry{entry}
+	w.AuditLogRefs = []string{entry.EntryID}
+	s.windows[windowID] = w
+	return w, nil
+}
+
+// ActivateWindow transitions a Window from Open to Active by calling the real
+// x/window/types.Window.Activate() method (not a reimplementation). Appends an
+// AuditEntry. Returns an error if the Window is not in the Open status.
+func (s *Store) ActivateWindow(windowID string) error {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	w, ok := s.windows[windowID]
+	if !ok {
+		return fmt.Errorf("window %q not found", windowID)
+	}
+	if err := w.Activate(); err != nil {
+		return err
+	}
+	s.windows[windowID] = w
+	s.appendAuditLocked(windowID, "activate", "active", w.GrantorHolder)
+	return nil
+}
+
+// RevokeWindow transitions a Window to Revoked by calling the real
+// x/window/types.Window.Revoke() method. Idempotent on already-revoked;
+// no-op on Expired (terminal state wins — v0.2 type contract). Appends an
+// AuditEntry only if the status actually changed.
+func (s *Store) RevokeWindow(windowID string) error {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	w, ok := s.windows[windowID]
+	if !ok {
+		return fmt.Errorf("window %q not found", windowID)
+	}
+	prevStatus := w.Status
+	if err := w.Revoke(); err != nil {
+		return err
+	}
+	s.windows[windowID] = w
+	if w.Status != prevStatus {
+		s.appendAuditLocked(windowID, "revoke", "revoked", w.GrantorHolder)
+	}
+	return nil
+}
+
+// ExpireWindow transitions a Window to Expired by calling the real
+// x/window/types.Window.Expire() method. Appends an AuditEntry.
+func (s *Store) ExpireWindow(windowID string) error {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	w, ok := s.windows[windowID]
+	if !ok {
+		return fmt.Errorf("window %q not found", windowID)
+	}
+	prevStatus := w.Status
+	w.Expire()
+	s.windows[windowID] = w
+	if w.Status != prevStatus {
+		s.appendAuditLocked(windowID, "expire", "expired", w.GrantorHolder)
+	}
+	return nil
+}
+
+// ListWindows returns all Windows for a grantor holder.
+func (s *Store) ListWindows(grantorHolder string) []windowtypes.Window {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	out := []windowtypes.Window{}
+	for _, w := range s.windows {
+		if w.GrantorHolder == grantorHolder {
+			out = append(out, w)
+		}
+	}
+	return out
+}
+
+// GetWindow returns the Window for a windowID.
+func (s *Store) GetWindow(windowID string) (windowtypes.Window, bool) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	w, ok := s.windows[windowID]
+	return w, ok
+}
+
+// GetAuditLog returns the audit-log entries for a windowID.
+func (s *Store) GetAuditLog(windowID string) []windowtypes.AuditEntry {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	return s.auditLogs[windowID]
+}
+
+// appendAuditLocked appends an AuditEntry to the window's audit log. Caller
+// MUST hold s.mu.
+func (s *Store) appendAuditLocked(windowID, action, result, granterRef string) {
+	logs := s.auditLogs[windowID]
+	now := time.Now().Unix()
+	entry := windowtypes.AuditEntry{
+		EntryID:    fmt.Sprintf("%s-audit-%d", windowID, len(logs)+1),
+		Timestamp:  now,
+		Action:     action,
+		Result:     result,
+		GranterRef: granterRef,
+	}
+	s.auditLogs[windowID] = append(logs, entry)
+	w := s.windows[windowID]
+	w.AuditLogRefs = append(w.AuditLogRefs, entry.EntryID)
+	s.windows[windowID] = w
+}
+
+// validateReachInput enforces G-027: HolderID and PublicKey must be non-empty,
+// <=128 bytes, and contain no path separators or template syntax. This is a
+// prototype-robustness gate (the mock store uses holderID as a map key).
+func validateReachInput(holderID, publicKey string) error {
+	if holderID == "" {
+		return fmt.Errorf("holder id is required")
+	}
+	if len(holderID) > 128 {
+		return fmt.Errorf("holder id too long (max 128)")
+	}
+	if strings.ContainsAny(holderID, "/\\") {
+		return fmt.Errorf("holder id must not contain path separators")
+	}
+	if strings.Contains(holderID, "{{") {
+		return fmt.Errorf("holder id must not contain template syntax")
+	}
+	if publicKey == "" {
+		return fmt.Errorf("public key is required")
+	}
+	if len(publicKey) > 128 {
+		return fmt.Errorf("public key too long (max 128)")
+	}
+	if strings.ContainsAny(publicKey, "/\\") {
+		return fmt.Errorf("public key must not contain path separators")
+	}
+	return nil
+}
+
+// --- Standing + Freeholder signals (P4) ---
+
+// ListRatings returns all Ratings for a ratee (per-Reach).
+func (s *Store) ListRatings(rateeID string) []standingtypes.Rating {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	return s.ratings[rateeID]
+}
+
+// ListVouches returns all Vouches for a vouchee.
+func (s *Store) ListVouches(voucheeID string) []standingtypes.Vouch {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	return s.vouches[voucheeID]
+}
+
+// ListSlashes returns all Slashes for a Reach.
+func (s *Store) ListSlashes(reachID string) []standingtypes.Slash {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	return s.slashes[reachID]
+}
+
+// ComputeStandingScore computes a simplified standing score from the mock
+// Ratings using the locked x/standing/types constants (PriorMean, PriorWeight,
+// ComputeDiversityBonus, GetVoucherWeight, GetStandingBucket). This is a
+// SIMPLIFIED computation (not the full Bayesian formula — sub-tables deferred
+// per PROJECT.md Q2); the test asserts it uses the locked constants, not that
+// it matches a full oracle.
+func (s *Store) ComputeStandingScore(reachID string) (float64, standingtypes.StandingBucket) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	ratings := s.ratings[reachID]
+	slashes := s.slashes[reachID]
+	isSlashed := len(slashes) > 0
+
+	if len(ratings) == 0 {
+		// No ratings: return the prior mean, bucket New.
+		return standingtypes.PriorMean, standingtypes.GetStandingBucket(standingtypes.PriorMean, 0, isSlashed)
+	}
+
+	// Simplified: weighted average of rating scores using GetVoucherWeight.
+	// The real formula uses the rater's standing to derive the weight; the
+	// mock uses the ratee's own score iteratively (simplified — P4 does not
+	// build a full rater-graph). Uses the locked PriorMean + PriorWeight as a
+	// Bayesian shrinkage: score = (prior*weight + sum(scores)) / (weight + n).
+	sum := 0.0
+	categories := map[string]bool{}
+	for _, r := range ratings {
+		w := standingtypes.GetVoucherWeight(false, r.Score, len(ratings))
+		sum += r.Score * w
+		categories[r.Category] = true
+	}
+	n := float64(len(ratings))
+	raw := (standingtypes.PriorMean*float64(standingtypes.PriorWeight) + sum) /
+		(float64(standingtypes.PriorWeight) + n)
+	// Apply diversity bonus (locked const).
+	raw += standingtypes.ComputeDiversityBonus(len(categories))
+	bucket := standingtypes.GetStandingBucket(raw, len(ratings), isSlashed)
+	return raw, bucket
+}
+
+// ComputeFreeholderSignals computes the four Freeholder signals (§9.1) from
+// the mock data. StashMaturity from StashActivity.IsMature(); MultiDomainStanding
+// from score >= FreeholderMinStandingScore in >= FreeholderMinCategories;
+// CommittedCapital from Stash balance >= a threshold (mock); CommunityEndorsement
+// from >= 1 Vouch. Returns the real standingtypes.FreeholderSignals struct.
+func (s *Store) ComputeFreeholderSignals(reachID string) standingtypes.FreeholderSignals {
+	s.mu.Lock()
+	stash, hasStash := s.stashes[reachID]
+	ratings := s.ratings[reachID]
+	vouches := s.vouches[reachID]
+	s.mu.Unlock()
+
+	var signals standingtypes.FreeholderSignals
+	// StashMaturity: from StashActivity.IsMature() (the real method).
+	if hasStash {
+		if activity, ok := s.GetStashActivity(stash.StashID); ok {
+			signals.StashMaturity = activity.IsMature()
+		}
+	}
+	// MultiDomainStanding: score >= 4.5 in >= 3 categories.
+	score, _ := s.ComputeStandingScore(reachID)
+	categories := map[string]bool{}
+	for _, r := range ratings {
+		categories[r.Category] = true
+	}
+	if score >= standingtypes.FreeholderMinStandingScore && len(categories) >= standingtypes.FreeholderMinCategories {
+		signals.MultiDomainStanding = true
+	}
+	// CommittedCapital: mock threshold — Stash balance >= 100000 Grain (10 Bread).
+	if hasStash && stash.BalanceGrain >= 100000 {
+		signals.CommittedCapital = true
+	}
+	// CommunityEndorsement: >= 1 Vouch.
+	if len(vouches) >= 1 {
+		signals.CommunityEndorsement = true
+	}
+	return signals
+}
+
+// --- Bloom accrual (P5) ---
+
+// GetBloomRecord returns the BloomRecord for a stashID (REQ-044).
+func (s *Store) GetBloomRecord(stashID string) (bloomtypes.BloomRecord, bool) {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	r, ok := s.bloomRecords[stashID]
+	return r, ok
+}
+
+// ListBloomRecords returns BloomRecords for all Stashes owned by a holder.
+func (s *Store) ListBloomRecords(holderID string) []bloomtypes.BloomRecord {
+	s.mu.Lock()
+	defer s.mu.Unlock()
+	out := []bloomtypes.BloomRecord{}
+	for stashID, rec := range s.bloomRecords {
+		// Match by the holder prefix "stash-<holderID>".
+		if strings.HasPrefix(stashID, "stash-"+holderID) {
+			out = append(out, rec)
+		}
+	}
+	return out
+}

web/store/store_test.go

@@ -0,0 +1,576 @@
+package store
+
+import (
+	"sync"
+	"testing"
+
+	bloomtypes "github.com/oy/openyield/x/bloom/types"
+	identitytypes "github.com/oy/openyield/x/identity/types"
+	standingtypes "github.com/oy/openyield/x/standing/types"
+	stashtypes "github.com/oy/openyield/x/stash/types"
+	windowtypes "github.com/oy/openyield/x/window/types"
+)
+
+func TestNewStoreSeedsFixtures(t *testing.T) {
+	s := NewStore()
+	reaches := s.ListReaches()
+	if len(reaches) < 2 {
+		t.Fatalf("NewStore seeded %d reaches, want >=2", len(reaches))
+	}
+	// Both seeded reaches must be Nomads (IsNomad=true).
+	for _, r := range reaches {
+		if !r.IsNomad {
+			t.Errorf("seeded reach %q: IsNomad=false, want true", r.HolderID)
+		}
+	}
+}
+
+func TestCreateReachAtomicReachAndStash(t *testing.T) {
+	s := NewStore()
+	reach, stash, err := s.CreateReach("holder-test1", "pk-test1")
+	if err != nil {
+		t.Fatalf("CreateReach: %v", err)
+	}
+	// D-071: Reach must be IsNomad=true.
+	if !reach.IsNomad {
+		t.Errorf("reach.IsNomad = false, want true (D-071)")
+	}
+	if reach.HolderID != "holder-test1" {
+		t.Errorf("reach.HolderID = %q, want holder-test1", reach.HolderID)
+	}
+	// D-071: Stash must have matching HolderID + seeded BalanceGrain.
+	if stash.HolderID != reach.HolderID {
+		t.Errorf("stash.HolderID = %q, want %q (D-071 atomic)", stash.HolderID, reach.HolderID)
+	}
+	if stash.BalanceGrain != seedBalanceGrain {
+		t.Errorf("stash.BalanceGrain = %d, want %d", stash.BalanceGrain, seedBalanceGrain)
+	}
+	// Both must be retrievable after the atomic call.
+	if _, ok := s.GetReach("holder-test1"); !ok {
+		t.Errorf("GetReach miss after CreateReach (atomicity broken)")
+	}
+	if _, ok := s.GetStash("holder-test1"); !ok {
+		t.Errorf("GetStash miss after CreateReach (atomicity broken)")
+	}
+	if _, ok := s.GetStashActivity(stash.StashID); !ok {
+		t.Errorf("GetStashActivity miss after CreateReach (atomicity broken)")
+	}
+}
+
+func TestCreateReachDuplicateRejected(t *testing.T) {
+	s := NewStore()
+	if _, _, err := s.CreateReach("holder-alia", "pk-dupe"); err == nil {
+		t.Errorf("CreateReach duplicate holder-alia: expected error, got nil")
+	}
+}
+
+func TestCreateReachValidationG027(t *testing.T) {
+	cases := []struct {
+		name      string
+		holderID  string
+		publicKey string
+		wantErr   bool
+	}{
+		{"empty holder", "", "pk", true},
+		{"empty pubkey", "h", "", true},
+		{"holder too long", stringOf('x', 129), "pk", true},
+		{"pubkey too long", "h", stringOf('y', 129), true},
+		{"holder with slash", "h/x", "pk", true},
+		{"holder with backslash", "h\\x", "pk", true},
+		{"holder with template syntax", "h{{", "pk", true},
+		{"pubkey with slash", "h", "p/x", true},
+		{"valid minimal", "h", "p", false},
+		{"valid typical", "holder-oka", "pk-oka-7", false},
+	}
+	for _, c := range cases {
+		t.Run(c.name, func(t *testing.T) {
+			s := NewStore()
+			_, _, err := s.CreateReach(c.holderID, c.publicKey)
+			if c.wantErr && err == nil {
+				t.Errorf("expected error, got nil")
+			}
+			if !c.wantErr && err != nil {
+				t.Errorf("unexpected error: %v", err)
+			}
+		})
+	}
+}
+
+func TestGetReachHitMiss(t *testing.T) {
+	s := NewStore()
+	if _, ok := s.GetReach("holder-alia"); !ok {
+		t.Errorf("GetReach(holder-alia) miss, want hit (seeded)")
+	}
+	if _, ok := s.GetReach("nobody"); ok {
+		t.Errorf("GetReach(nobody) hit, want miss")
+	}
+}
+
+func TestGetStashHitMiss(t *testing.T) {
+	s := NewStore()
+	if _, ok := s.GetStash("holder-alia"); !ok {
+		t.Errorf("GetStash(holder-alia) miss, want hit (seeded)")
+	}
+	if _, ok := s.GetStash("nobody"); ok {
+		t.Errorf("GetStash(nobody) hit, want miss")
+	}
+}
+
+func TestGetStashActivityHitMiss(t *testing.T) {
+	s := NewStore()
+	stash, ok := s.GetStash("holder-alia")
+	if !ok {
+		t.Fatal("seeded stash holder-alia missing")
+	}
+	if _, ok := s.GetStashActivity(stash.StashID); !ok {
+		t.Errorf("GetStashActivity(%q) miss, want hit", stash.StashID)
+	}
+	if _, ok := s.GetStashActivity("stash-nobody"); ok {
+		t.Errorf("GetStashActivity(stash-nobody) hit, want miss")
+	}
+}
+
+func TestCreateReachConcurrentNoRace(t *testing.T) {
+	s := NewStore()
+	const n = 50
+	var wg sync.WaitGroup
+	wg.Add(n)
+	for i := 0; i < n; i++ {
+		go func(i int) {
+			defer wg.Done()
+			holder := "holder-concurrent-" + itoa(i)
+			_, _, _ = s.CreateReach(holder, "pk")
+		}(i)
+	}
+	wg.Wait()
+	// All n concurrent creates with distinct holder IDs must be present.
+	for i := 0; i < n; i++ {
+		if _, ok := s.GetReach("holder-concurrent-" + itoa(i)); !ok {
+			t.Errorf("concurrent reach %d missing after wg.Wait", i)
+		}
+	}
+}
+
+func TestSeededMatureVsImmature(t *testing.T) {
+	s := NewStore()
+	// holder-alia: ActiveDays=92, MaxGapDays=10 -> mature.
+	aliaStash, ok := s.GetStash("holder-alia")
+	if !ok {
+		t.Fatal("seeded holder-alia missing")
+	}
+	aliaAct, ok := s.GetStashActivity(aliaStash.StashID)
+	if !ok {
+		t.Fatal("seeded alia activity missing")
+	}
+	if !aliaAct.IsMature() {
+		t.Errorf("holder-alia IsMature=false, want true (ActiveDays=%d, MaxGap=%d)",
+			aliaAct.ActiveDays, aliaAct.MaxGapDays)
+	}
+	// holder-bryn: ActiveDays=45, MaxGapDays=5 -> not mature.
+	brynStash, ok := s.GetStash("holder-bryn")
+	if !ok {
+		t.Fatal("seeded holder-bryn missing")
+	}
+	brynAct, ok := s.GetStashActivity(brynStash.StashID)
+	if !ok {
+		t.Fatal("seeded bryn activity missing")
+	}
+	if brynAct.IsMature() {
+		t.Errorf("holder-bryn IsMature=true, want false (ActiveDays=%d, MaxGap=%d)",
+			brynAct.ActiveDays, brynAct.MaxGapDays)
+	}
+}
+
+// Compile-time assertions that the types are the real x/*/types structs
+// (D-067: the mock store grounds the UI in the real Go type definitions).
+var _ identitytypes.Reach
+var _ stashtypes.Stash
+
+// itoa is provided by fixtures.go (shared with the production package).
+
+func stringOf(r rune, n int) string {
+	b := make([]byte, n)
+	for i := range b {
+		b[i] = byte(r)
+	}
+	return string(b)
+}
+
+// --- Window tests (P3) ---
+
+func TestOpenWindowCreatesStatusOpenWithInitialAudit(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash, ResourceID: "stash-x"}
+	rl := windowtypes.RateLimit{MaxActions: 5, PerDurationSeconds: 3600}
+	w, err := s.OpenWindow("holder-alia", "service-1", scope, 1000, 2000, rl)
+	if err != nil {
+		t.Fatalf("OpenWindow: %v", err)
+	}
+	if w.Status != windowtypes.StatusOpen {
+		t.Errorf("OpenWindow status %q, want Open", w.Status)
+	}
+	if w.WindowID == "" {
+		t.Error("OpenWindow: empty WindowID")
+	}
+	audit := s.GetAuditLog(w.WindowID)
+	if len(audit) != 1 {
+		t.Errorf("OpenWindow: audit log len %d, want 1", len(audit))
+	}
+	if audit[0].Action != "open" {
+		t.Errorf("OpenWindow: audit[0].Action %q, want open", audit[0].Action)
+	}
+}
+
+func TestOpenWindowValidation(t *testing.T) {
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	cases := []struct {
+		name, grantor, grantee string
+		wantErr                bool
+	}{
+		{"empty grantor", "", "g", true},
+		{"empty grantee", "h", "", true},
+		{"valid", "h", "g", false},
+	}
+	for _, c := range cases {
+		t.Run(c.name, func(t *testing.T) {
+			s := NewStore()
+			_, err := s.OpenWindow(c.grantor, c.grantee, scope, 1, 2, rl)
+			if c.wantErr && err == nil {
+				t.Errorf("expected error, got nil")
+			}
+			if !c.wantErr && err != nil {
+				t.Errorf("unexpected error: %v", err)
+			}
+		})
+	}
+}
+
+func TestActivateWindowTransitionsToActive(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	w, _ := s.OpenWindow("holder-alia", "svc", scope, 1, 2, rl)
+	if err := s.ActivateWindow(w.WindowID); err != nil {
+		t.Fatalf("ActivateWindow: %v", err)
+	}
+	updated, _ := s.GetWindow(w.WindowID)
+	if updated.Status != windowtypes.StatusActive {
+		t.Errorf("after activate: %q, want Active", updated.Status)
+	}
+	audit := s.GetAuditLog(w.WindowID)
+	if len(audit) != 2 {
+		t.Errorf("after activate: audit len %d, want 2", len(audit))
+	}
+}
+
+func TestActivateWindowNotFound(t *testing.T) {
+	s := NewStore()
+	if err := s.ActivateWindow("window-nobody"); err == nil {
+		t.Error("ActivateWindow(nobody): expected error, got nil")
+	}
+}
+
+func TestActivateWindowOnActiveFails(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	w, _ := s.OpenWindow("holder-alia", "svc", scope, 1, 2, rl)
+	_ = s.ActivateWindow(w.WindowID)
+	// Activate again should fail (can only activate Open windows).
+	if err := s.ActivateWindow(w.WindowID); err == nil {
+		t.Error("activate on Active: expected error, got nil (Window.Activate rejects non-Open)")
+	}
+}
+
+func TestRevokeWindowTransitionsToRevoked(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	w, _ := s.OpenWindow("holder-alia", "svc", scope, 1, 2, rl)
+	if err := s.RevokeWindow(w.WindowID); err != nil {
+		t.Fatalf("RevokeWindow: %v", err)
+	}
+	updated, _ := s.GetWindow(w.WindowID)
+	if updated.Status != windowtypes.StatusRevoked {
+		t.Errorf("after revoke: %q, want Revoked", updated.Status)
+	}
+	if !updated.Revoked {
+		t.Error("after revoke: Revoked flag false, want true")
+	}
+}
+
+func TestRevokeWindowIdempotent(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	w, _ := s.OpenWindow("holder-alia", "svc", scope, 1, 2, rl)
+	_ = s.RevokeWindow(w.WindowID)
+	before := len(s.GetAuditLog(w.WindowID))
+	_ = s.RevokeWindow(w.WindowID)
+	after := len(s.GetAuditLog(w.WindowID))
+	if after != before {
+		t.Errorf("idempotent revoke: audit grew %d -> %d", before, after)
+	}
+}
+
+func TestRevokeWindowOnExpiredIsNoOp(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	w, _ := s.OpenWindow("holder-alia", "svc", scope, 1, 2, rl)
+	_ = s.ExpireWindow(w.WindowID)
+	before := len(s.GetAuditLog(w.WindowID))
+	_ = s.RevokeWindow(w.WindowID)
+	updated, _ := s.GetWindow(w.WindowID)
+	if updated.Status != windowtypes.StatusExpired {
+		t.Errorf("revoke-on-expired: %q, want Expired (terminal wins)", updated.Status)
+	}
+	after := len(s.GetAuditLog(w.WindowID))
+	if after != before {
+		t.Errorf("revoke-on-expired: audit grew %d -> %d (no-op)", before, after)
+	}
+}
+
+func TestRevokeWindowNotFound(t *testing.T) {
+	s := NewStore()
+	if err := s.RevokeWindow("window-nobody"); err == nil {
+		t.Error("RevokeWindow(nobody): expected error, got nil")
+	}
+}
+
+func TestExpireWindowTransitionsToExpired(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	w, _ := s.OpenWindow("holder-alia", "svc", scope, 1, 2, rl)
+	if err := s.ExpireWindow(w.WindowID); err != nil {
+		t.Fatalf("ExpireWindow: %v", err)
+	}
+	updated, _ := s.GetWindow(w.WindowID)
+	if updated.Status != windowtypes.StatusExpired {
+		t.Errorf("after expire: %q, want Expired", updated.Status)
+	}
+}
+
+func TestExpireWindowNotFound(t *testing.T) {
+	s := NewStore()
+	if err := s.ExpireWindow("window-nobody"); err == nil {
+		t.Error("ExpireWindow(nobody): expected error, got nil")
+	}
+}
+
+func TestExpireWindowIdempotent(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	w, _ := s.OpenWindow("holder-alia", "svc", scope, 1, 2, rl)
+	_ = s.ExpireWindow(w.WindowID)
+	before := len(s.GetAuditLog(w.WindowID))
+	_ = s.ExpireWindow(w.WindowID)
+	after := len(s.GetAuditLog(w.WindowID))
+	if after != before {
+		t.Errorf("idempotent expire: audit grew %d -> %d", before, after)
+	}
+}
+
+func TestListWindowsFiltersByGrantor(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	_, _ = s.OpenWindow("holder-alia", "svc1", scope, 1, 2, rl)
+	_, _ = s.OpenWindow("holder-alia", "svc2", scope, 1, 2, rl)
+	_, _ = s.OpenWindow("holder-bryn", "svc3", scope, 1, 2, rl)
+	alia := s.ListWindows("holder-alia")
+	if len(alia) != 2 {
+		t.Errorf("ListWindows(holder-alia) = %d, want 2", len(alia))
+	}
+	bryn := s.ListWindows("holder-bryn")
+	if len(bryn) != 1 {
+		t.Errorf("ListWindows(holder-bryn) = %d, want 1", len(bryn))
+	}
+	nobody := s.ListWindows("nobody")
+	if len(nobody) != 0 {
+		t.Errorf("ListWindows(nobody) = %d, want 0", len(nobody))
+	}
+}
+
+func TestGetWindowHitMiss(t *testing.T) {
+	s := NewStore()
+	scope := windowtypes.Scope{Kind: windowtypes.ScopeReadStash}
+	rl := windowtypes.RateLimit{MaxActions: 1}
+	w, _ := s.OpenWindow("holder-alia", "svc", scope, 1, 2, rl)
+	if _, ok := s.GetWindow(w.WindowID); !ok {
+		t.Errorf("GetWindow(%q) miss, want hit", w.WindowID)
+	}
+	if _, ok := s.GetWindow("window-nobody"); ok {
+		t.Error("GetWindow(nobody) hit, want miss")
+	}
+}
+
+func TestGetAuditLogEmptyForMissing(t *testing.T) {
+	s := NewStore()
+	if logs := s.GetAuditLog("window-nobody"); logs != nil {
+		t.Errorf("GetAuditLog(nobody) = %v, want nil", logs)
+	}
+}
+
+// --- Standing + Freeholder signals tests (P4) ---
+
+func TestListRatingsSeeded(t *testing.T) {
+	s := NewStore()
+	alia := s.ListRatings("holder-alia")
+	if len(alia) != 12 {
+		t.Errorf("ListRatings(holder-alia) = %d, want 12 (seeded)", len(alia))
+	}
+	bryn := s.ListRatings("holder-bryn")
+	if len(bryn) != 3 {
+		t.Errorf("ListRatings(holder-bryn) = %d, want 3 (seeded)", len(bryn))
+	}
+	nobody := s.ListRatings("nobody")
+	if len(nobody) != 0 {
+		t.Errorf("ListRatings(nobody) = %d, want 0", len(nobody))
+	}
+}
+
+func TestListVouchesSeeded(t *testing.T) {
+	s := NewStore()
+	alia := s.ListVouches("holder-alia")
+	if len(alia) != 1 {
+		t.Errorf("ListVouches(holder-alia) = %d, want 1 (seeded)", len(alia))
+	}
+	bryn := s.ListVouches("holder-bryn")
+	if len(bryn) != 0 {
+		t.Errorf("ListVouches(holder-bryn) = %d, want 0 (seeded)", len(bryn))
+	}
+}
+
+func TestListSlashesEmptyByDefault(t *testing.T) {
+	s := NewStore()
+	if sl := s.ListSlashes("holder-alia"); len(sl) != 0 {
+		t.Errorf("ListSlashes(holder-alia) = %d, want 0 (no slashes seeded)", len(sl))
+	}
+}
+
+func TestComputeStandingScoreNoRatingsReturnsPriorMean(t *testing.T) {
+	s := NewStore()
+	score, bucket := s.ComputeStandingScore("nobody")
+	if score != standingtypes.PriorMean {
+		t.Errorf("ComputeStandingScore(nobody) score = %v, want PriorMean %v", score, standingtypes.PriorMean)
+	}
+	if bucket != standingtypes.BucketNew {
+		t.Errorf("ComputeStandingScore(nobody) bucket = %q, want New", bucket)
+	}
+}
+
+func TestComputeStandingScoreAliaIsEligibleRange(t *testing.T) {
+	s := NewStore()
+	score, bucket := s.ComputeStandingScore("holder-alia")
+	if score < 4.5 {
+		t.Errorf("holder-alia score = %.2f, want >= 4.5 (Freeholder-eligible range)", score)
+	}
+	if bucket != standingtypes.BucketPreferred && bucket != standingtypes.BucketTop {
+		t.Errorf("holder-alia bucket = %q, want Preferred or Top", bucket)
+	}
+}
+
+func TestComputeStandingScoreBrynIsNew(t *testing.T) {
+	s := NewStore()
+	_, bucket := s.ComputeStandingScore("holder-bryn")
+	// holder-bryn has 3 ratings (< 10) -> bucket New.
+	if bucket != standingtypes.BucketNew {
+		t.Errorf("holder-bryn bucket = %q, want New (< 10 ratings)", bucket)
+	}
+}
+
+func TestComputeFreeholderSignalsAliaAllTrue(t *testing.T) {
+	s := NewStore()
+	signals := s.ComputeFreeholderSignals("holder-alia")
+	// holder-alia: mature Stash (92 days), score >= 4.5 in 4 cats, balance
+	// 920000 >= 100000, 1 Vouch -> all 4 signals true.
+	if !signals.StashMaturity {
+		t.Errorf("StashMaturity = false, want true (mature Stash)")
+	}
+	if !signals.MultiDomainStanding {
+		t.Errorf("MultiDomainStanding = false, want true (score >= 4.5 in 4 cats)")
+	}
+	if !signals.CommittedCapital {
+		t.Errorf("CommittedCapital = false, want true (balance 920000 >= 100000)")
+	}
+	if !signals.CommunityEndorsement {
+		t.Errorf("CommunityEndorsement = false, want true (1 Vouch seeded)")
+	}
+	if !signals.IsFreeholderEligible() {
+		t.Errorf("holder-alia IsFreeholderEligible = false, want true (all 4 signals)")
+	}
+}
+
+func TestComputeFreeholderSignalsBrynNotEligible(t *testing.T) {
+	s := NewStore()
+	signals := s.ComputeFreeholderSignals("holder-bryn")
+	// holder-bryn: immature Stash (45 days), 1 cat (< 3), no Vouch.
+	if signals.StashMaturity {
+		t.Errorf("StashMaturity = true, want false (immature 45 days)")
+	}
+	if signals.MultiDomainStanding {
+		t.Errorf("MultiDomainStanding = true, want false (1 cat < 3)")
+	}
+	if signals.CommunityEndorsement {
+		t.Errorf("CommunityEndorsement = true, want false (no Vouches)")
+	}
+	if signals.IsFreeholderEligible() {
+		t.Errorf("holder-bryn IsFreeholderEligible = true, want false")
+	}
+}
+
+func TestComputeFreeholderSignalsNoStash(t *testing.T) {
+	s := NewStore()
+	signals := s.ComputeFreeholderSignals("nobody")
+	// No Stash, no ratings, no Vouches -> all false.
+	if signals.IsFreeholderEligible() {
+		t.Errorf("nobody IsFreeholderEligible = true, want false (no Stash)")
+	}
+}
+
+// --- Bloom accrual tests (P5) ---
+
+func TestGetBloomRecordSeeded(t *testing.T) {
+	s := NewStore()
+	rec, ok := s.GetBloomRecord("stash-holder-alia")
+	if !ok {
+		t.Fatal("GetBloomRecord(stash-holder-alia) miss, want hit (seeded)")
+	}
+	// D-073: seeded at the code-constant target rate.
+	if rec.RateBasisPoints != bloomtypes.TargetBloomRateBasisPoints {
+		t.Errorf("seeded RateBasisPoints = %d, want %d (TargetBloomRateBasisPoints, D-073)", rec.RateBasisPoints, bloomtypes.TargetBloomRateBasisPoints)
+	}
+	if rec.AccruedGrain != 45000 {
+		t.Errorf("seeded AccruedGrain = %d, want 45000", rec.AccruedGrain)
+	}
+}
+
+func TestGetBloomRecordMiss(t *testing.T) {
+	s := NewStore()
+	if _, ok := s.GetBloomRecord("stash-nobody"); ok {
+		t.Error("GetBloomRecord(stash-nobody) hit, want miss")
+	}
+}
+
+func TestListBloomRecordsByHolder(t *testing.T) {
+	s := NewStore()
+	alia := s.ListBloomRecords("holder-alia")
+	if len(alia) != 1 {
+		t.Errorf("ListBloomRecords(holder-alia) = %d, want 1", len(alia))
+	}
+	if alia[0].StashID != "stash-holder-alia" {
+		t.Errorf("ListBloomRecords(holder-alia)[0].StashID = %q, want stash-holder-alia", alia[0].StashID)
+	}
+	bryn := s.ListBloomRecords("holder-bryn")
+	if len(bryn) != 1 {
+		t.Errorf("ListBloomRecords(holder-bryn) = %d, want 1", len(bryn))
+	}
+	nobody := s.ListBloomRecords("nobody")
+	if len(nobody) != 0 {
+		t.Errorf("ListBloomRecords(nobody) = %d, want 0", len(nobody))
+	}
+}

web/templates/base.html

@@ -0,0 +1,29 @@
+{{define "base.html"}}
+<!DOCTYPE html>
+<html lang="en">
+<head>
+  <meta charset="utf-8">
+  <meta name="viewport" content="width=device-width, initial-scale=1">
+  <title>{{block "title" .}}OpenYield{{end}}</title>
+  <link rel="stylesheet" href="/static/style.css">
+  <script src="/static/htmx.min.js" defer></script>
+</head>
+<body>
+  <header class="nav">
+    <span class="brand">OpenYield</span>
+    <a href="/">Home</a>
+    <a href="/reach">Reach</a>
+    <a href="/stash">Stash</a>
+    <a href="/window">Window</a>
+    <a href="/standing">Standing</a>
+    <a href="/bloom">Bloom</a>
+  </header>
+  <main>
+    {{block "content" .}}{{end}}
+  </main>
+  <footer>
+    OpenYield — real production on the mesh. Reach, Stash, Window, Standing, Bloom.
+  </footer>
+</body>
+</html>
+{{end}}

web/templates/bloom.html

@@ -0,0 +1,33 @@
+{{define "title"}}Bloom — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Bloom</h1>
+  <p>Bloom is the real-production reward that accrues to every Grain in every
+    Stash. It originates only from real production — no synthetic Bloom, no
+    protocol-printed Bloom. This is a Mission Lock: no council can change it.</p>
+</section>
+
+<section class="panel">
+  <h2>Bloom record for {{.StashID}}</h2>
+  <table class="kv">
+    <tr><th>Stash ID</th><td>{{.StashID}}</td></tr>
+    <tr><th>Accrued Grain</th><td>{{.Record.AccruedGrain}}</td></tr>
+    <tr><th>Rate</th><td>{{printf "%.1f" .RatePct}}%</td></tr>
+    <tr><th>Last accrual block</th><td>{{.Record.LastAccrualBlock}}</td></tr>
+  </table>
+</section>
+
+<section class="panel">
+  <h2>Target rate band</h2>
+  <table class="kv">
+    <tr><th>Target rate</th><td>{{printf "%.1f" .TargetRatePct}}%</td></tr>
+    <tr><th>Min rate</th><td>{{printf "%.1f" .MinRatePct}}%</td></tr>
+    <tr><th>Max rate</th><td>{{printf "%.1f" .MaxRatePct}}%</td></tr>
+    <tr><th>Accrual period</th><td>{{.AccrualPeriod}} blocks (daily, ~10min blocks)</td></tr>
+  </table>
+  <p><em>{{.MissionLockNote}}</em></p>
+</section>
+
+<p><a href="/stash/{{slice .StashID 6}}">Back to Stash</a></p>
+{{end}}

web/templates/home.html

@@ -0,0 +1,24 @@
+{{define "title"}}OpenYield — real production on the mesh{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>OpenYield</h1>
+  <p>
+    OpenYield is a mesh-native system for real production. A Holder creates a
+    Reach to enter the mesh, holds a Stash of Grain, and authorizes Window
+    access to partners. Standing accrues through honest participation, and
+    Bloom rewards sustained contribution. No middleman holds your Stash.
+  </p>
+</section>
+
+<section class="panel">
+  <h2>The five screens</h2>
+  <ul>
+    <li><a href="/reach">Reach</a> — create a Reach and view the mesh of Holders.</li>
+    <li><a href="/stash">Stash</a> — your sovereign Grain Stash (P2).</li>
+    <li><a href="/window">Window</a> — authorize partner access to your Stash (P3).</li>
+    <li><a href="/standing">Standing</a> — track progress toward Freeholder standing (P4).</li>
+    <li><a href="/bloom">Bloom</a> — accrued rewards for sustained contribution (P5).</li>
+  </ul>
+</section>
+{{end}}

web/templates/reach_detail.html

@@ -0,0 +1,31 @@
+{{define "title"}}{{.Reach.ReachID}} — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>{{.Reach.ReachID}}</h1>
+  <table class="kv">
+    <tr><th>Reach ID</th><td>{{.Reach.ReachID}}</td></tr>
+    <tr><th>Holder ID</th><td>{{.Reach.HolderID}}</td></tr>
+    <tr><th>Public Key</th><td><code>{{.Reach.PublicKey}}</code></td></tr>
+    <tr><th>Created</th><td>{{.Reach.CreatedAt}}</td></tr>
+    <tr><th>Nomad</th><td>{{if .Reach.IsNomad}}yes{{else}}no{{end}}</td></tr>
+    <tr><th>Freeholder</th><td>{{if .Reach.IsFreeholder}}yes{{else}}no{{end}}</td></tr>
+  </table>
+</section>
+
+{{if .Stash.StashID}}
+<section class="panel">
+  <h2>Stash</h2>
+  <table class="kv">
+    <tr><th>Stash ID</th><td>{{.Stash.StashID}}</td></tr>
+    <tr><th>Balance</th><td>{{.Stash.BalanceGrain}} Grain</td></tr>
+    <tr><th>Created</th><td>{{.Stash.CreatedAt}}</td></tr>
+    <tr><th>Last active</th><td>{{.Stash.LastActive}}</td></tr>
+    <tr><th>Still</th><td>{{if .Stash.IsStill}}paused{{else}}active{{end}}</td></tr>
+  </table>
+  <p><a href="/stash/{{.Stash.HolderID}}">View Stash dashboard</a></p>
+</section>
+{{end}}
+
+<p><a href="/reach">Back to Reach list</a></p>
+{{end}}

web/templates/reach_list.html

@@ -0,0 +1,35 @@
+{{define "title"}}Reach — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Reach</h1>
+  <p>A Reach is the mesh-native identity a Holder uses to act on the mesh
+    without a custodian, a gatekeeper, or a legacy financial position. A Nomad
+    is a Holder who has a Reach and a Stash and is on the way to earning the
+    four Freeholder signals.</p>
+  <p><a href="/reach/new" class="btn">Create a Reach</a></p>
+</section>
+
+<section class="panel">
+  <h2>Holders on the mesh</h2>
+  {{if .Reaches}}
+  <table>
+    <thead>
+      <tr><th>Reach ID</th><th>Holder ID</th><th>Nomad</th><th>Freeholder</th></tr>
+    </thead>
+    <tbody>
+    {{range .Reaches}}
+      <tr>
+        <td><a href="/reach/{{.HolderID}}">{{.ReachID}}</a></td>
+        <td>{{.HolderID}}</td>
+        <td>{{if .IsNomad}}yes{{else}}no{{end}}</td>
+        <td>{{if .IsFreeholder}}yes{{else}}no{{end}}</td>
+      </tr>
+    {{end}}
+    </tbody>
+  </table>
+  {{else}}
+  <p>No Reaches yet. <a href="/reach/new">Create a Reach</a> to begin.</p>
+  {{end}}
+</section>
+{{end}}

web/templates/reach_new.html

@@ -0,0 +1,22 @@
+{{define "title"}}Create a Reach — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Create a Reach</h1>
+  <p>A Reach is an identity, not a custodial position. The protocol does not
+    require KYC at the protocol layer; the Reach is the unit of self-service.
+    Creating a Reach also opens a Stash for you (the place a Nomad holds
+    Grain) — that pair is enough to begin on the mesh.</p>
+
+  <form method="POST" action="/reach" hx-post="/reach" hx-target="body">
+    <label for="holder_id">Holder ID</label>
+    <input type="text" id="holder_id" name="holder_id" required
+           maxlength="128" placeholder="a by-ID-string of your choosing">
+    <label for="public_key">Public Key</label>
+    <input type="text" id="public_key" name="public_key" required
+           maxlength="128" placeholder="a public key for your Reach">
+    <button type="submit">Create a Reach</button>
+  </form>
+  <p><a href="/reach">Back to Reach list</a></p>
+</section>
+{{end}}

web/templates/standing.html

@@ -0,0 +1,89 @@
+{{define "title"}}Standing — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Standing — {{.ReachID}}</h1>
+  <p>Standing is the Bayesian anti-gaming metric that accrues as a Nomad acts
+    on the mesh. It is not bought or transferred — it is earned through honest
+    participation, weighted by the standing of the raters, time-decayed, and
+    diversified across service categories.</p>
+</section>
+
+<section class="panel">
+  <h2>Score</h2>
+  <table class="kv">
+    <tr><th>Reach ID</th><td>{{.ReachID}}</td></tr>
+    <tr><th>Standing score</th><td>{{printf "%.1f" .Score}}</td></tr>
+    <tr><th>Bucket</th><td>
+      {{if eq (string .Bucket) "New"}}<span class="badge grey">New</span>{{end}}
+      {{if eq (string .Bucket) "Trusted"}}<span class="badge blue">Trusted</span>{{end}}
+      {{if eq (string .Bucket) "Preferred"}}<span class="badge green">Preferred</span>{{end}}
+      {{if eq (string .Bucket) "Top"}}<span class="badge green">Top</span>{{end}}
+      {{if eq (string .Bucket) "Slashed"}}<span class="badge red">Slashed</span>{{end}}
+    </td></tr>
+  </table>
+</section>
+
+<section class="panel">
+  <h2>Freeholder signals</h2>
+  <p>The four signals (§9.1) — all four must be present to be Freeholder-eligible.
+    No application, no committee, no form.</p>
+  <table>
+    <thead><tr><th>Signal</th><th>Status</th></tr></thead>
+    <tbody>
+      <tr><td>Stash maturity (90 days, gap ≤ 30)</td><td>{{if .Signals.StashMaturity}}<span class="badge green">earned</span>{{else}}<span class="badge grey">not yet</span>{{end}}</td></tr>
+      <tr><td>Multi-domain standing (≥ {{printf "%.1f" .MinScore}} in ≥ {{.MinCats}} cats)</td><td>{{if .Signals.MultiDomainStanding}}<span class="badge green">earned</span>{{else}}<span class="badge grey">not yet</span>{{end}}</td></tr>
+      <tr><td>Committed capital</td><td>{{if .Signals.CommittedCapital}}<span class="badge green">earned</span>{{else}}<span class="badge grey">not yet</span>{{end}}</td></tr>
+      <tr><td>Community endorsement (≥ 1 Vouch)</td><td>{{if .Signals.CommunityEndorsement}}<span class="badge green">earned</span>{{else}}<span class="badge grey">not yet</span>{{end}}</td></tr>
+    </tbody>
+  </table>
+  <p>Freeholder-eligible:
+    {{if .Eligible}}<span class="badge green">yes</span>
+    {{else}}<span class="badge grey">not yet</span>{{end}}
+  </p>
+</section>
+
+<section class="panel">
+  <h2>Ratings ({{len .Ratings}})</h2>
+  {{if .Ratings}}
+  <table>
+    <thead><tr><th>Rater</th><th>Category</th><th>Score</th><th>Timestamp</th></tr></thead>
+    <tbody>
+    {{range .Ratings}}
+      <tr><td>{{.RaterID}}</td><td>{{.Category}}</td><td>{{printf "%.1f" .Score}}</td><td>{{.Timestamp}}</td></tr>
+    {{end}}
+    </tbody>
+  </table>
+  {{else}}<p>No ratings yet.</p>{{end}}
+</section>
+
+<section class="panel">
+  <h2>Vouches ({{len .Vouches}})</h2>
+  {{if .Vouches}}
+  <table>
+    <thead><tr><th>Voucher</th><th>Category</th><th>Bond (Grain)</th></tr></thead>
+    <tbody>
+    {{range .Vouches}}
+      <tr><td>{{.VoucherID}}</td><td>{{.Category}}</td><td>{{.BondAmount}}</td></tr>
+    {{end}}
+    </tbody>
+  </table>
+  {{else}}<p>No Vouches yet.</p>{{end}}
+</section>
+
+{{if .Slashes}}
+<section class="panel">
+  <h2>Slashes ({{len .Slashes}})</h2>
+  <table>
+    <thead><tr><th>Reason</th><th>Amount</th><th>Attester</th></tr></thead>
+    <tbody>
+    {{range .Slashes}}
+      <tr><td>{{.Reason}}</td><td>{{.Amount}}</td><td>{{.Attester}}</td></tr>
+    {{end}}
+    </tbody>
+  </table>
+</section>
+{{end}}
+
+<p><a href="/reach/{{.ReachID}}">Back to Reach</a></p>
+{{end}}

web/templates/stash.html

@@ -0,0 +1,56 @@
+{{define "title"}}Stash — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Stash</h1>
+  <p>A Stash is a Holder's personal storage — the place a Nomad holds Grain.
+    It is a storage layer, not a custodial position: the Holder owns it,
+    controls it, and can delegate a scoped, time-limited Window to a partner
+    without giving up custody.</p>
+</section>
+
+<section class="panel">
+  <h2>Balance</h2>
+  <table class="kv">
+    <tr><th>Stash ID</th><td>{{.Stash.StashID}}</td></tr>
+    <tr><th>Holder ID</th><td>{{.Stash.HolderID}}</td></tr>
+    <tr><th>Balance</th><td>{{.Stash.BalanceGrain}} Grain ({{.BalanceBread}} Bread)</td></tr>
+    <tr><th>Created</th><td>{{.Stash.CreatedAt}}</td></tr>
+    <tr><th>Last active</th><td>{{.Stash.LastActive}}</td></tr>
+    <tr><th>Still</th><td>{{if .Stash.IsStill}}paused{{else}}active{{end}}</td></tr>
+  </table>
+</section>
+
+<section class="panel">
+  <h2>Bread scale</h2>
+  <p>1 Bread = 10,000 Grain. The full scale (from the protocol code constants):</p>
+  <table>
+    <thead><tr><th>Denomination</th><th>Grain value</th><th>Equivalent in this Stash</th></tr></thead>
+    <tbody>
+    {{range .BreadScale}}
+      <tr>
+        <td>{{.Name}}</td>
+        <td>{{.GrainValue}}</td>
+        <td>{{if eq .Name "Grain"}}{{$.Stash.BalanceGrain}}{{else}}{{divGrain $.Stash.BalanceGrain .GrainValue}}{{end}}</td>
+      </tr>
+    {{end}}
+    </tbody>
+  </table>
+</section>
+
+<section class="panel">
+  <h2>Maturity progress</h2>
+  <p>Holding a Stash continuously for 90 days is the first of the four
+    Freeholder signals. The signal is about continuity, not size.</p>
+  <div class="progress-track">
+    <div class="progress-bar" style="width: {{.MaturityPct}}%">{{.MaturityPct}}%</div>
+  </div>
+  <table class="kv">
+    <tr><th>Active days</th><td>{{.Activity.ActiveDays}} / {{.ThresholdDays}}</td></tr>
+    <tr><th>Max gap days</th><td>{{.Activity.MaxGapDays}} / {{.MaxGapDays}} (max allowed)</td></tr>
+    <tr><th>Mature</th><td>{{if .Mature}}<span class="badge green">Mature</span>{{else}}<span class="badge amber">Not mature</span>{{end}}</td></tr>
+  </table>
+</section>
+
+<p><a href="/reach/{{.Stash.HolderID}}">Back to Reach</a></p>
+{{end}}

web/templates/window_detail.html

@@ -0,0 +1,68 @@
+{{define "title"}}{{.Window.WindowID}} — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>{{.Window.WindowID}}</h1>
+  <table class="kv">
+    <tr><th>Window ID</th><td>{{.Window.WindowID}}</td></tr>
+    <tr><th>Grantor</th><td>{{.Window.GrantorHolder}}</td></tr>
+    <tr><th>Grantee</th><td>{{.Window.Grantee}}</td></tr>
+    <tr><th>Scope</th><td>{{.Window.Scope.Kind}} ({{.Window.Scope.ResourceID}})</td></tr>
+    <tr><th>Start</th><td>{{.Window.Start}}</td></tr>
+    <tr><th>End</th><td>{{.Window.End}}</td></tr>
+    <tr><th>Rate limit</th><td>{{.Window.RateLimit.ActionsConsumed}} / {{.Window.RateLimit.MaxActions}} per {{.Window.RateLimit.PerDurationSeconds}}s</td></tr>
+    <tr><th>Revoked</th><td>{{if .Window.Revoked}}yes{{else}}no{{end}}</td></tr>
+    <tr><th>Status</th><td>
+      {{if eq (string .Window.Status) "Open"}}<span class="badge amber">Open</span>{{end}}
+      {{if eq (string .Window.Status) "Active"}}<span class="badge green">Active</span>{{end}}
+      {{if eq (string .Window.Status) "Revoked"}}<span class="badge red">Revoked</span>{{end}}
+      {{if eq (string .Window.Status) "Expired"}}<span class="badge grey">Expired</span>{{end}}
+    </td></tr>
+  </table>
+</section>
+
+<section class="panel">
+  <h2>Lifecycle actions</h2>
+  <p>
+    {{if eq (string .Window.Status) "Open"}}
+    <form method="POST" action="/window/{{.Window.WindowID}}/activate" style="display:inline">
+      <button type="submit">Activate</button>
+    </form>
+    {{end}}
+    {{if or (eq (string .Window.Status) "Open") (eq (string .Window.Status) "Active")}}
+    <form method="POST" action="/window/{{.Window.WindowID}}/revoke" style="display:inline">
+      <button type="submit">Revoke</button>
+    </form>
+    {{end}}
+    {{if or (eq (string .Window.Status) "Open") (eq (string .Window.Status) "Active")}}
+    <form method="POST" action="/window/{{.Window.WindowID}}/expire" style="display:inline">
+      <button type="submit">Expire</button>
+    </form>
+    {{end}}
+  </p>
+</section>
+
+<section class="panel">
+  <h2>Audit log</h2>
+  {{if .AuditLog}}
+  <table>
+    <thead><tr><th>Entry ID</th><th>Timestamp</th><th>Action</th><th>Result</th><th>Granter</th></tr></thead>
+    <tbody>
+    {{range .AuditLog}}
+      <tr>
+        <td>{{.EntryID}}</td>
+        <td>{{.Timestamp}}</td>
+        <td>{{.Action}}</td>
+        <td>{{.Result}}</td>
+        <td>{{.GranterRef}}</td>
+      </tr>
+    {{end}}
+    </tbody>
+  </table>
+  {{else}}
+  <p>No audit entries yet.</p>
+  {{end}}
+</section>
+
+<p><a href="/window">Back to Window list</a></p>
+{{end}}

web/templates/window_list.html

@@ -0,0 +1,33 @@
+{{define "title"}}Window — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Window</h1>
+  <p>A Window is a Holder-authorized, scope-bounded, time-limited, revocable
+    delegation of access (REQ-015). The Holder opens a Window so a partner or
+    service can read a Stash or process a Pass-Act — without giving up custody.
+    The Window is revocable, rate-limited, and audited.</p>
+  <p><a href="/window/new" class="btn">Open a Window</a></p>
+</section>
+
+<section class="panel">
+  <h2>Windows for {{.Grantor}}</h2>
+  {{if .Windows}}
+  <table>
+    <thead><tr><th>Window ID</th><th>Grantee</th><th>Scope</th><th>Status</th></tr></thead>
+    <tbody>
+    {{range .Windows}}
+      <tr>
+        <td><a href="/window/{{.WindowID}}">{{.WindowID}}</a></td>
+        <td>{{.Grantee}}</td>
+        <td>{{.Scope.Kind}} ({{.Scope.ResourceID}})</td>
+        <td>{{.Status}}</td>
+      </tr>
+    {{end}}
+    </tbody>
+  </table>
+  {{else}}
+  <p>No Windows yet for {{.Grantor}}. <a href="/window/new">Open a Window</a> to begin.</p>
+  {{end}}
+</section>
+{{end}}

web/templates/window_new.html

@@ -0,0 +1,36 @@
+{{define "title"}}Open a Window — OpenYield{{end}}
+
+{{define "content"}}
+<section class="panel">
+  <h1>Open a Window</h1>
+  <p>A Window delegates scoped access to a partner or service without giving
+    up custody. The Holder sets the scope, the duration, and a rate-limit; the
+    Window is revocable at any time.</p>
+
+  <form method="POST" action="/window" hx-post="/window" hx-target="body">
+    <label for="grantor_holder">Grantor Holder ID</label>
+    <input type="text" id="grantor_holder" name="grantor_holder" required
+           maxlength="128" placeholder="the Holder opening the Window">
+    <label for="grantee">Grantee</label>
+    <input type="text" id="grantee" name="grantee" required
+           maxlength="128" placeholder="the partner or service receiving access">
+    <label for="scope_kind">Scope kind</label>
+    <select id="scope_kind" name="scope_kind">
+      <option value="ReadStash">ReadStash</option>
+      <option value="ReadStanding">ReadStanding</option>
+      <option value="ProcessPassActForStand">ProcessPassActForStand</option>
+    </select>
+    <label for="resource_id">Resource ID</label>
+    <input type="text" id="resource_id" name="resource_id"
+           maxlength="128" placeholder="the Stash or Stand this Window scopes to">
+    <label for="start_unix">Start (unix seconds, blank = now)</label>
+    <input type="number" id="start_unix" name="start_unix" placeholder="blank = now">
+    <label for="end_unix">End (unix seconds, blank = now+1h)</label>
+    <input type="number" id="end_unix" name="end_unix" placeholder="blank = now+1h">
+    <label for="max_actions">Max actions (rate-limit, blank = 10)</label>
+    <input type="number" id="max_actions" name="max_actions" placeholder="10">
+    <button type="submit">Open a Window</button>
+  </form>
+  <p><a href="/window">Back to Window list</a></p>
+</section>
+{{end}}

x/bearers/keeper/keeper.go

@@ -0,0 +1,166 @@
+package keeper
+
+import (
+	"encoding/json"
+	"fmt"
+
+	storetypes "cosmossdk.io/store/types"
+	"github.com/cosmos/cosmos-sdk/codec"
+	sdk "github.com/cosmos/cosmos-sdk/types"
+
+	"github.com/oy/openyield/x/bearers/types"
+)
+
+// keeper.go holds the store-backed Keeper for the bearers module (P2-02-01,
+// REQ-034).
+//
+// The Keeper wraps an sdk.KVStore via a storeKey. It holds the Session
+// records (by session-id) and the OYQRCode records (by qr-id). The Keeper
+// also holds the expected-keeper shim (BreadKeeper for the OY-QR consume
+// transfer effect). The shim is an interface (G-003 — no struct import of
+// x/bread/types); the concrete x/bread keeper satisfies it structurally.
+//
+// State-machine ordering (vision §7, enforced in every handler):
+//   ValidateBasic → keeper authz → state mutation → ctx.EventManager().EmitEvent
+//
+// Surveillance-resistant invariant (A-522): the Keeper carries NO
+// geolocation fields; the handlers emit NO geolocation in events.
+
+// Keeper is the store-backed bearers keeper.
+type Keeper struct {
+	cdc         codec.Codec
+	storeKey    storetypes.StoreKey
+	breadKeeper types.BreadKeeper
+}
+
+// NewKeeper constructs a new store-backed bearers Keeper. The BreadKeeper
+// expected-keeper shim is injected (nil-able for partial tests; the
+// ConsumeOYQR handler guards a nil shim and skips the transfer effect,
+// still flipping the consumed flag — the A-521 state-write-first invariant
+// holds regardless).
+func NewKeeper(cdc codec.Codec, storeKey storetypes.StoreKey, bk types.BreadKeeper) Keeper {
+	return Keeper{
+		cdc:         cdc,
+		storeKey:    storeKey,
+		breadKeeper: bk,
+	}
+}
+
+// SetBreadKeeper sets the BreadKeeper expected-keeper shim (for
+// post-construction wiring, e.g., app wiring or test setup).
+func (k *Keeper) SetBreadKeeper(bk types.BreadKeeper) { k.breadKeeper = bk }
+
+// --- Session store -----------------------------------------------------------
+
+var sessionKeyPrefix = []byte("session/")
+
+func sessionKey(sessionID string) []byte {
+	return append(sessionKeyPrefix, []byte(sessionID)...)
+}
+
+// GetSession loads a Session by session-id. Returns the session and true
+// if found, or zero value + false if not.
+func (k Keeper) GetSession(ctx sdk.Context, sessionID string) (types.Session, bool) {
+	store := ctx.KVStore(k.storeKey)
+	bz := store.Get(sessionKey(sessionID))
+	if bz == nil {
+		return types.Session{}, false
+	}
+	var s types.Session
+	if err := json.Unmarshal(bz, &s); err != nil {
+		return types.Session{}, false
+	}
+	return s, true
+}
+
+// SetSession persists a Session by session-id.
+func (k Keeper) SetSession(ctx sdk.Context, s types.Session) {
+	store := ctx.KVStore(k.storeKey)
+	bz, err := json.Marshal(s)
+	if err != nil {
+		panic(fmt.Sprintf("bearers: marshal session %q: %v", s.SessionID, err))
+	}
+	store.Set(sessionKey(s.SessionID), bz)
+}
+
+// AllSessions returns all persisted Session records (iteration helper).
+func (k Keeper) AllSessions(ctx sdk.Context) []types.Session {
+	store := ctx.KVStore(k.storeKey)
+	iterator := store.Iterator(sessionKeyPrefix, prefixEnd(sessionKeyPrefix))
+	defer iterator.Close()
+	out := []types.Session{}
+	for ; iterator.Valid(); iterator.Next() {
+		var s types.Session
+		if err := json.Unmarshal(iterator.Value(), &s); err == nil {
+			out = append(out, s)
+		}
+	}
+	return out
+}
+
+// --- OYQRCode store ----------------------------------------------------------
+
+var qrKeyPrefix = []byte("qr/")
+
+func qrKey(qrID string) []byte {
+	return append(qrKeyPrefix, []byte(qrID)...)
+}
+
+// GetOYQRCode loads an OYQRCode by qr-id. Returns the QR and true if found.
+func (k Keeper) GetOYQRCode(ctx sdk.Context, qrID string) (types.OYQRCode, bool) {
+	store := ctx.KVStore(k.storeKey)
+	bz := store.Get(qrKey(qrID))
+	if bz == nil {
+		return types.OYQRCode{}, false
+	}
+	var q types.OYQRCode
+	if err := json.Unmarshal(bz, &q); err != nil {
+		return types.OYQRCode{}, false
+	}
+	return q, true
+}
+
+// SetOYQRCode persists an OYQRCode by qr-id.
+func (k Keeper) SetOYQRCode(ctx sdk.Context, q types.OYQRCode) {
+	store := ctx.KVStore(k.storeKey)
+	bz, err := json.Marshal(q)
+	if err != nil {
+		panic(fmt.Sprintf("bearers: marshal qr %q: %v", q.QRID, err))
+	}
+	store.Set(qrKey(q.QRID), bz)
+}
+
+// AllOYQRCodes returns all persisted OYQRCode records (iteration helper).
+func (k Keeper) AllOYQRCodes(ctx sdk.Context) []types.OYQRCode {
+	store := ctx.KVStore(k.storeKey)
+	iterator := store.Iterator(qrKeyPrefix, prefixEnd(qrKeyPrefix))
+	defer iterator.Close()
+	out := []types.OYQRCode{}
+	for ; iterator.Valid(); iterator.Next() {
+		var q types.OYQRCode
+		if err := json.Unmarshal(iterator.Value(), &q); err == nil {
+			out = append(out, q)
+		}
+	}
+	return out
+}
+
+// prefixEnd returns the key that sorts immediately after all keys sharing the
+// given prefix (the standard prefix-iteration end key: increment the last
+// byte, drop overflow). Used for store.Iterator(start, prefixEnd(start))
+// prefix scans.
+func prefixEnd(prefix []byte) []byte {
+	if len(prefix) == 0 {
+		return nil
+	}
+	end := make([]byte, len(prefix))
+	copy(end, prefix)
+	for i := len(end) - 1; i >= 0; i-- {
+		end[i]++
+		if end[i] != 0 {
+			return end
+		}
+	}
+	// All bytes were 0xFF; return nil (iterate to end of store).
+	return nil
+}

x/bearers/keeper/msg_server.go

@@ -0,0 +1,387 @@
+package keeper
+
+import (
+	"fmt"
+
+	sdk "github.com/cosmos/cosmos-sdk/types"
+
+	"github.com/oy/openyield/x/bearers/types"
+)
+
+// msg_server.go implements the bearers module's MsgServer (G-023 ownership
+// split: cosmos-engineer scaffolds the file structure + method signatures;
+// mesh-engineer/backend-engineer implements the handler logic bodies). The
+// MsgServer wraps the Keeper + the BreadKeeper expected-keeper shim (already
+// on the Keeper).
+//
+// Each method returns a (*Response, error). Handler state-machine ordering
+// is enforced: ValidateBasic → keeper authz → state mutation →
+// ctx.EventManager().EmitEvent.
+//
+// Surveillance-resistant invariant (A-522): NO handler emits geolocation or
+// sender physical location. The surveillance-resistant locked const on
+// OYSATLink/OYLRLink is a runtime invariant — a handler that emits
+// geolocation violates it. A negative simtest asserts the event set
+// contains NO geolocation fields.
+//
+// One-shot OY-QR (A-521): the MsgConsumeOYQR handler flips consumed BEFORE
+// the transfer effect (state write FIRST, then the BreadKeeper shim call).
+// A replay finds consumed==true and returns an error (idempotent reject,
+// NOT double-effect). The SDK store is atomic per tx — a panic in the
+// transfer rolls back the whole tx, so the order is safe; the order
+// documents intent and matches the ibc-go delete-before-mint convention.
+
+// msgServer is the concrete MsgServer implementation wrapping the Keeper.
+type msgServer struct {
+	Keeper
+}
+
+// NewMsgServerImpl returns the bearers MsgServer for the provided Keeper.
+func NewMsgServerImpl(k Keeper) types.MsgServer {
+	return &msgServer{Keeper: k}
+}
+
+var _ types.MsgServer = msgServer{}
+
+// unwrapCtx extracts the sdk.Context from the interface-typed ctx.
+func unwrapCtx(ctx interface{}) sdk.Context {
+	if c, ok := ctx.(sdk.Context); ok {
+		return c
+	}
+	panic(fmt.Sprintf("bearers: expected sdk.Context, got %T", ctx))
+}
+
+// nowUnix returns the current block time as unix seconds from the ctx.
+func nowUnix(ctx sdk.Context) int64 {
+	return ctx.BlockTime().Unix()
+}
+
+// --- OpenSession (creates Session status=Open) -------------------------------
+
+// OpenSession creates a new Session with status=Open. ValidateBasic is
+// stateless; the handler enforces idempotency (session-id must not already
+// exist).
+func (s msgServer) OpenSession(ctx interface{}, msg *types.MsgOpenSession) (*types.MsgOpenSessionResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	// Idempotency: session-id must not already exist.
+	if _, ok := s.Keeper.GetSession(sdkCtx, msg.SessionID); ok {
+		return nil, fmt.Errorf("bearers: session %q already exists", msg.SessionID)
+	}
+
+	session := types.Session{
+		SessionID:      msg.SessionID,
+		BearerType:     msg.BearerType,
+		InitiatorReach: msg.InitiatorReach,
+		PeerReach:      msg.PeerReach,
+		Status:         types.SessionOpen,
+		Frames:         []types.Frame{},
+		TTL:            msg.TTL,
+		OpenedAt:       nowUnix(sdkCtx),
+	}
+	s.Keeper.SetSession(sdkCtx, session)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.session_opened",
+		sdk.NewAttribute("session_id", msg.SessionID),
+		sdk.NewAttribute("bearer_type", string(msg.BearerType)),
+		sdk.NewAttribute("initiator_reach", msg.InitiatorReach),
+		sdk.NewAttribute("peer_reach", msg.PeerReach),
+		sdk.NewAttribute("status", string(types.SessionOpen)),
+		// NO geolocation (A-522 surveillance-resistant invariant).
+	))
+	return &types.MsgOpenSessionResponse{}, nil
+}
+
+// --- CloseSession (Active → Closed) ------------------------------------------
+
+// CloseSession transitions an Active session to Closed. The handler
+// enforces the stateful source-status check (must be Open or Active; an
+// Open session with no frames can close directly).
+func (s msgServer) CloseSession(ctx interface{}, msg *types.MsgCloseSession) (*types.MsgCloseSessionResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	session, ok := s.Keeper.GetSession(sdkCtx, msg.SessionID)
+	if !ok {
+		return nil, fmt.Errorf("bearers: session %q not found", msg.SessionID)
+	}
+	if session.IsTerminal() {
+		return nil, fmt.Errorf("bearers: session %q is terminal (%s), cannot close", msg.SessionID, session.Status)
+	}
+
+	session.Status = types.SessionClosed
+	session.ClosedAt = nowUnix(sdkCtx)
+	s.Keeper.SetSession(sdkCtx, session)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.session_closed",
+		sdk.NewAttribute("session_id", msg.SessionID),
+		sdk.NewAttribute("status", string(types.SessionClosed)),
+	))
+	return &types.MsgCloseSessionResponse{}, nil
+}
+
+// --- RevokeSession (out-of-band → Revoked) -----------------------------------
+
+// RevokeSession transitions a session to Revoked (out-of-band termination).
+// A revoked session rejects further Receive. The handler enforces the
+// stateful source-status check (must not already be terminal).
+func (s msgServer) RevokeSession(ctx interface{}, msg *types.MsgRevokeSession) (*types.MsgRevokeSessionResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	session, ok := s.Keeper.GetSession(sdkCtx, msg.SessionID)
+	if !ok {
+		return nil, fmt.Errorf("bearers: session %q not found", msg.SessionID)
+	}
+	if session.IsTerminal() {
+		return nil, fmt.Errorf("bearers: session %q is terminal (%s), cannot revoke", msg.SessionID, session.Status)
+	}
+
+	session.Status = types.SessionRevoked
+	session.ClosedAt = nowUnix(sdkCtx)
+	s.Keeper.SetSession(sdkCtx, session)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.session_revoked",
+		sdk.NewAttribute("session_id", msg.SessionID),
+		sdk.NewAttribute("status", string(types.SessionRevoked)),
+	))
+	return &types.MsgRevokeSessionResponse{}, nil
+}
+
+// --- SendOYSATFrame (send a frame on an Open/Active session) ------------------
+
+// SendOYSATFrame sends a frame on an OY-SAT session. The handler enforces
+// the stateful session-status check: the session must be Open or Active
+// (frames on Closed/Revoked are REJECTED — the rejected-frame case).
+func (s msgServer) SendOYSATFrame(ctx interface{}, msg *types.MsgSendOYSATFrame) (*types.MsgSendOYSATFrameResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	session, ok := s.Keeper.GetSession(sdkCtx, msg.SessionID)
+	if !ok {
+		return nil, fmt.Errorf("bearers: session %q not found", msg.SessionID)
+	}
+	if session.IsTerminal() {
+		// Rejected-frame case: a frame received on a Closed/Revoked
+		// session MUST be rejected (A-523 session state machine).
+		return nil, fmt.Errorf("bearers: session %q is terminal (%s), rejects frame", msg.SessionID, session.Status)
+	}
+	if session.IsExpired(nowUnix(sdkCtx)) {
+		// TTL expiry transitions the session to Closed (the handler
+		// enforces expiry on Send/Receive checks).
+		session.Status = types.SessionClosed
+		session.ClosedAt = nowUnix(sdkCtx)
+		s.Keeper.SetSession(sdkCtx, session)
+		return nil, fmt.Errorf("bearers: session %q expired (ttl %d), rejects frame", msg.SessionID, session.TTL)
+	}
+
+	frame := types.Frame{
+		FrameID:      msg.FrameID,
+		SenderReach:  msg.Signer,
+		PayloadBytes: msg.PayloadBytes,
+		SentAt:       nowUnix(sdkCtx),
+	}
+	session.Frames = append(session.Frames, frame)
+	s.Keeper.SetSession(sdkCtx, session)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.frame_sent",
+		sdk.NewAttribute("session_id", msg.SessionID),
+		sdk.NewAttribute("frame_id", msg.FrameID),
+		sdk.NewAttribute("sender_reach", msg.Signer),
+		// NO geolocation (A-522 surveillance-resistant invariant).
+	))
+	return &types.MsgSendOYSATFrameResponse{}, nil
+}
+
+// --- ReceiveOYSATFrame (ack a frame; Open → Active on first ack) -------------
+
+// ReceiveOYSATFrame acknowledges receipt of an OY-SAT frame. The handler
+// transitions the session Open → Active on the first ack. The handler
+// enforces the stateful session-status check: the session must be Open or
+// Active (acks on Closed/Revoked are REJECTED — the rejected-frame case).
+func (s msgServer) ReceiveOYSATFrame(ctx interface{}, msg *types.MsgReceiveOYSATFrame) (*types.MsgReceiveOYSATFrameResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	session, ok := s.Keeper.GetSession(sdkCtx, msg.SessionID)
+	if !ok {
+		return nil, fmt.Errorf("bearers: session %q not found", msg.SessionID)
+	}
+	if session.IsTerminal() {
+		// Rejected-frame case: an ack received on a Closed/Revoked
+		// session MUST be rejected (A-523 session state machine).
+		return nil, fmt.Errorf("bearers: session %q is terminal (%s), rejects ack", msg.SessionID, session.Status)
+	}
+	if session.IsExpired(nowUnix(sdkCtx)) {
+		session.Status = types.SessionClosed
+		session.ClosedAt = nowUnix(sdkCtx)
+		s.Keeper.SetSession(sdkCtx, session)
+		return nil, fmt.Errorf("bearers: session %q expired (ttl %d), rejects ack", msg.SessionID, session.TTL)
+	}
+
+	// Find the named frame; mark it received.
+	found := false
+	for i := range session.Frames {
+		if session.Frames[i].FrameID == msg.FrameID {
+			session.Frames[i].Received = true
+			found = true
+			break
+		}
+	}
+	if !found {
+		return nil, fmt.Errorf("bearers: frame %q not found on session %q", msg.FrameID, msg.SessionID)
+	}
+
+	// Open → Active on the first ack.
+	if session.Status == types.SessionOpen {
+		session.Status = types.SessionActive
+	}
+	s.Keeper.SetSession(sdkCtx, session)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.frame_received",
+		sdk.NewAttribute("session_id", msg.SessionID),
+		sdk.NewAttribute("frame_id", msg.FrameID),
+		sdk.NewAttribute("status", string(session.Status)),
+		// NO geolocation (A-522 surveillance-resistant invariant).
+	))
+	return &types.MsgReceiveOYSATFrameResponse{}, nil
+}
+
+// --- IssueOYQR (issue a one-shot OY-QR, consumed=false) ----------------------
+
+// IssueOYQR issues a one-shot OY-QR (consumed=false). The handler enforces
+// idempotency (qr-id must not already exist).
+func (s msgServer) IssueOYQR(ctx interface{}, msg *types.MsgIssueOYQR) (*types.MsgIssueOYQRResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	// Idempotency: qr-id must not already exist.
+	if _, ok := s.Keeper.GetOYQRCode(sdkCtx, msg.QRID); ok {
+		return nil, fmt.Errorf("bearers: qr %q already exists", msg.QRID)
+	}
+
+	qr := types.OYQRCode{
+		QRID:          msg.QRID,
+		PayloadBytes:  msg.PayloadBytes,
+		Consumed:      false,
+		IssuerReachID: msg.IssuerReachID,
+		AmountGrain:   msg.AmountGrain,
+		ExpiresAt:     msg.ExpiresAt,
+	}
+	s.Keeper.SetOYQRCode(sdkCtx, qr)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.qr_issued",
+		sdk.NewAttribute("qr_id", msg.QRID),
+		sdk.NewAttribute("issuer_reach", msg.IssuerReachID),
+		sdk.NewAttribute("amount_grain", fmt.Sprintf("%d", msg.AmountGrain)),
+		sdk.NewAttribute("consumed", "false"),
+		// NO geolocation (A-522 surveillance-resistant invariant).
+	))
+	return &types.MsgIssueOYQRResponse{}, nil
+}
+
+// --- ConsumeOYQR (one-shot; A-521 consumed-flip-before-effect) ---------------
+
+// ConsumeOYQR is the canonical one-shot handler (A-521). The ordering is:
+//  1. load QR
+//  2. assert !consumed (replay firewall — a replay finds consumed==true
+//     and returns an error; idempotent reject, NOT double-effect)
+//  3. assert expires-at > now (the QR is still valid)
+//  4. FLIP consumed=true (state write FIRST — A-521)
+//  5. emit transfer effect via BreadKeeper shim (the SDK store is atomic
+//     per tx — a panic in the transfer rolls back the whole tx, so the
+//     order is safe; the order documents intent and matches the ibc-go
+//     delete-before-mint convention)
+//  6. emit event
+//  7. return
+//
+// A nil BreadKeeper shim is permitted (the handler still flips consumed —
+// the A-521 state-write-first invariant holds regardless; the transfer
+// effect is skipped, which is the simtest behavior when the shim is not
+// wired). This keeps the one-shot replay firewall intact even without the
+// x/bread keeper wired.
+func (s msgServer) ConsumeOYQR(ctx interface{}, msg *types.MsgConsumeOYQR) (*types.MsgConsumeOYQRResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	// 1. Load QR.
+	qr, ok := s.Keeper.GetOYQRCode(sdkCtx, msg.QRID)
+	if !ok {
+		return nil, fmt.Errorf("bearers: qr %q not found", msg.QRID)
+	}
+
+	// 2. Replay firewall: a consumed QR rejects further consumes
+	//    (idempotent reject, NOT double-effect — A-521).
+	if qr.Consumed {
+		return nil, fmt.Errorf("bearers: qr %q already consumed (one-shot — A-521)", msg.QRID)
+	}
+
+	// 3. Expiry check: the QR must still be valid (expires-at > now).
+	now := nowUnix(sdkCtx)
+	if qr.ExpiresAt <= now {
+		// Flip consumed to prevent a late replay (the QR is expired,
+		// but we mark it consumed to lock the one-shot semantics; the
+		// consume itself fails).
+		qr.Consumed = true
+		s.Keeper.SetOYQRCode(sdkCtx, qr)
+		return nil, fmt.Errorf("bearers: qr %q expired (expires-at %d <= now %d)", msg.QRID, qr.ExpiresAt, now)
+	}
+
+	// 4. FLIP consumed=true (state write FIRST — A-521). This is the
+	//    replay firewall: any subsequent consume finds consumed==true
+	//    and returns the error above (idempotent reject).
+	qr.Consumed = true
+	s.Keeper.SetOYQRCode(sdkCtx, qr)
+
+	// 5. Emit transfer effect via BreadKeeper shim. A nil shim is
+	//    permitted (the consumed flip already happened — the A-521
+	//    invariant holds; the transfer is skipped in the unwired case).
+	var transferErr error
+	if s.Keeper.breadKeeper != nil {
+		transferErr = s.Keeper.breadKeeper.TransferGrain(qr.IssuerReachID, msg.ConsumerReachID, qr.AmountGrain)
+	}
+	if transferErr != nil {
+		// The transfer failed AFTER the consumed flip. The SDK store
+		// is atomic per tx — returning the error rolls back the
+		// consumed flip too (the QR is restored to consumed=false).
+		// This is the correct behavior: a failed transfer does NOT
+		// burn the one-shot QR. The order (flip first, transfer
+		// second) documents intent and matches the ibc-go
+		// delete-before-mint convention; the atomicity guarantee
+		// makes the order safe.
+		return nil, fmt.Errorf("bearers: qr %q transfer effect failed: %w", msg.QRID, transferErr)
+	}
+
+	// 6. Emit event.
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.qr_consumed",
+		sdk.NewAttribute("qr_id", msg.QRID),
+		sdk.NewAttribute("issuer_reach", qr.IssuerReachID),
+		sdk.NewAttribute("consumer_reach", msg.ConsumerReachID),
+		sdk.NewAttribute("amount_grain", fmt.Sprintf("%d", qr.AmountGrain)),
+		sdk.NewAttribute("consumed", "true"),
+		// NO geolocation (A-522 surveillance-resistant invariant).
+	))
+	return &types.MsgConsumeOYQRResponse{}, nil
+}

x/bearers/keeper/transport.go

@@ -0,0 +1,130 @@
+package keeper
+
+import (
+	"fmt"
+
+	sdk "github.com/cosmos/cosmos-sdk/types"
+
+	"github.com/oy/openyield/x/bearers/types"
+)
+
+// transport.go holds the store-backed BearerTransport impl (P2-02-01,
+// REQ-034, A-522). The v0.2 BearerTransport Go interface (Send, Receive,
+// Status) gains a store-backed runtime impl: the keeper IS the transport
+// for simtest purposes — no hardware/RF Go libraries (D-054).
+//
+// The transport wraps the keeper's session store. Send appends a frame to
+// the session's Frames slice. Receive marks the frame received (and
+// transitions the session Open → Active on first ack). Status reports
+// whether the session is Open or Active (i.e., still carrying traffic).
+//
+// Surveillance-resistant invariant (A-522): the transport carries NO
+// geolocation / sender physical location fields. The surveillance-resistant
+// locked const on OYSATLink/OYLRLink is a runtime invariant — the transport
+// MUST NOT emit geolocation in events. A negative simtest asserts the event
+// set contains NO geolocation fields.
+
+// StoreTransport is the store-backed BearerTransport impl. It wraps a
+// Keeper + the sdk.Context (bound at construction so the BearerTransport
+// interface methods can stay parameterless per the v0.2 interface contract).
+// The transport operates on a single session-id (a transport instance is
+// scoped to one session — the bearer is a per-session handle in the simtest
+// runtime).
+type StoreTransport struct {
+	keeper    Keeper
+	ctx       sdk.Context
+	sessionID string
+}
+
+// NewStoreTransport constructs a store-backed BearerTransport scoped to the
+// named session. The session must already exist (Open or Active). The
+// transport reads/writes the session's Frames slice via the keeper store.
+func NewStoreTransport(k Keeper, ctx sdk.Context, sessionID string) *StoreTransport {
+	return &StoreTransport{keeper: k, ctx: ctx, sessionID: sessionID}
+}
+
+// Compile-time assertion: StoreTransport satisfies the v0.2 BearerTransport
+// interface (D-029, REQ-034). The interface contract is Send/Receive/Status
+// (parameterless except Send takes a payload).
+var _ types.BearerTransport = (*StoreTransport)(nil)
+
+// Send dispatches a payload via the bearer. The store-backed impl appends
+// the payload as a new Frame on the session's Frames slice. Returns an
+// error if the session is not found or is terminal (Closed/Revoked) — a
+// terminal session rejects further Send calls.
+func (t *StoreTransport) Send(payload []byte) error {
+	s, ok := t.keeper.GetSession(t.ctx, t.sessionID)
+	if !ok {
+		return fmt.Errorf("bearers: session %q not found", t.sessionID)
+	}
+	if s.IsTerminal() {
+		return fmt.Errorf("bearers: session %q is terminal (%s), rejects Send", t.sessionID, s.Status)
+	}
+	frame := types.Frame{
+		FrameID:      fmt.Sprintf("%s-frame-%d", t.sessionID, len(s.Frames)+1),
+		SenderReach:  s.InitiatorReach,
+		PayloadBytes: payload,
+		SentAt:       t.ctx.BlockTime().Unix(),
+	}
+	s.Frames = append(s.Frames, frame)
+	t.keeper.SetSession(t.ctx, s)
+	t.ctx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.frame_sent",
+		sdk.NewAttribute("session_id", t.sessionID),
+		sdk.NewAttribute("frame_id", frame.FrameID),
+		sdk.NewAttribute("sender_reach", frame.SenderReach),
+		// NO geolocation (A-522 surveillance-resistant invariant).
+	))
+	return nil
+}
+
+// Receive accepts an inbound payload from the bearer. The store-backed impl
+// marks the first unreceived frame as Received and transitions the session
+// Open → Active on the first ack. Returns the payload and an error if the
+// bearer has no inbound (unreceived) payload or the session is terminal.
+func (t *StoreTransport) Receive() ([]byte, error) {
+	s, ok := t.keeper.GetSession(t.ctx, t.sessionID)
+	if !ok {
+		return nil, fmt.Errorf("bearers: session %q not found", t.sessionID)
+	}
+	if s.IsTerminal() {
+		return nil, fmt.Errorf("bearers: session %q is terminal (%s), rejects Receive", t.sessionID, s.Status)
+	}
+	// Find the first unreceived frame.
+	var received *types.Frame
+	for i := range s.Frames {
+		if !s.Frames[i].Received {
+			s.Frames[i].Received = true
+			received = &s.Frames[i]
+			break
+		}
+	}
+	if received == nil {
+		return nil, fmt.Errorf("bearers: no inbound frame on session %q", t.sessionID)
+	}
+	// Open → Active on the first ack.
+	if s.Status == types.SessionOpen {
+		s.Status = types.SessionActive
+	}
+	t.keeper.SetSession(t.ctx, s)
+	t.ctx.EventManager().EmitEvent(sdk.NewEvent(
+		"bearers.frame_received",
+		sdk.NewAttribute("session_id", t.sessionID),
+		sdk.NewAttribute("frame_id", received.FrameID),
+		sdk.NewAttribute("status", string(s.Status)),
+		// NO geolocation (A-522 surveillance-resistant invariant).
+	))
+	return received.PayloadBytes, nil
+}
+
+// Status reports the bearer's current reachability (true = reachable). The
+// store-backed impl reports true iff the session exists and is Open or
+// Active (still carrying traffic). A terminal or missing session is
+// unreachable.
+func (t *StoreTransport) Status() bool {
+	s, ok := t.keeper.GetSession(t.ctx, t.sessionID)
+	if !ok {
+		return false
+	}
+	return s.Status == types.SessionOpen || s.Status == types.SessionActive
+}

x/bearers/module.go

@@ -0,0 +1,79 @@
+package bearers
+
+import (
+	"encoding/json"
+
+	storetypes "cosmossdk.io/store/types"
+	"github.com/cosmos/cosmos-sdk/codec"
+	sdk "github.com/cosmos/cosmos-sdk/types"
+	"github.com/cosmos/cosmos-sdk/types/module"
+
+	"github.com/oy/openyield/x/bearers/keeper"
+	"github.com/oy/openyield/x/bearers/types"
+)
+
+// module.go holds the bearers module's AppModule + RegisterServices
+// (P2-02-01, REQ-034).
+//
+// The AppModule wraps the Keeper and registers the MsgServer via
+// RegisterServices. This is the simtest-grade AppModule (D-054): the
+// RegisterServices wires the hand-rolled MsgServer (no protobuf codegen per
+// the skeleton's zero-codegen style). The MsgServer is constructed directly
+// and exposed via the module for test wiring.
+
+// ConsensusVersion is the bearers module's consensus version (AppModule).
+const ConsensusVersion = 1
+
+// AppModule is the bearers application module (simtest-grade — D-054).
+type AppModule struct {
+	keeper keeper.Keeper
+}
+
+// NewAppModule constructs a new bearers AppModule. The BreadKeeper
+// expected-keeper shim is injected (nil-able for partial tests).
+func NewAppModule(cdc codec.Codec, storeKey storetypes.StoreKey, bk types.BreadKeeper) AppModule {
+	k := keeper.NewKeeper(cdc, storeKey, bk)
+	return AppModule{keeper: k}
+}
+
+// RegisterServices registers the bearers MsgServer. Simtest-grade wiring:
+// the MsgServer is constructed from the keeper and exposed via the module's
+// MsgServer method (tests use NewMsgServerImpl directly).
+func (am AppModule) RegisterServices(cfg module.Configurator) {
+	_ = cfg
+}
+
+// MsgServer returns the bearers MsgServer for this module's keeper.
+func (am AppModule) MsgServer() types.MsgServer {
+	return keeper.NewMsgServerImpl(am.keeper)
+}
+
+// Name returns the module name.
+func (AppModule) Name() string { return types.ModuleName }
+
+// ConsensusVersion implements AppModule.ConsensusVersion.
+func (AppModule) ConsensusVersion() uint64 { return ConsensusVersion }
+
+// InitGenesis performs genesis initialization for the bearers module.
+func (am AppModule) InitGenesis(ctx sdk.Context, cdc codec.JSONCodec, data json.RawMessage) {
+	var gs types.GenesisState
+	cdc.MustUnmarshalJSON(data, &gs)
+	for _, s := range gs.Sessions {
+		am.keeper.SetSession(ctx, s)
+	}
+	for _, q := range gs.QRs {
+		am.keeper.SetOYQRCode(ctx, q)
+	}
+}
+
+// ExportGenesis returns the exported genesis state as raw bytes.
+func (am AppModule) ExportGenesis(ctx sdk.Context, cdc codec.JSONCodec) json.RawMessage {
+	sessions := am.keeper.AllSessions(ctx)
+	qrs := am.keeper.AllOYQRCodes(ctx)
+	gs := types.GenesisState{Sessions: sessions, QRs: qrs}
+	return cdc.MustMarshalJSON(&gs)
+}
+
+// Compile-time assertions: AppModule implements the module interface stubs.
+var _ module.HasName = AppModule{}
+var _ module.HasConsensusVersion = AppModule{}

x/bearers/types/expected_keepers.go

@@ -0,0 +1,36 @@
+package types
+
+// expected_keepers.go holds the Go INTERFACE for the cross-module keeper
+// x/bearers depends on (G-003 firewall — ibc-go expected-keepers convention).
+//
+// x/bearers's MsgConsumeOYQR handler drives a one-shot grain transfer via
+// the x/bread keeper (by-ID-string on the reach-ids — the issuer-reach-id
+// and consumer-reach-id). The dependency is expressed as an INTERFACE
+// defined HERE (in x/bearers/types), NOT as a struct import of
+// x/bread/types. The x/bread keeper satisfies this interface structurally;
+// the handler depends on the interface, preserving G-003's intent (no
+// cross-module struct coupling, no import cycles).
+//
+// Test-only cross-package imports (the G-003 test exemption) remain exempt:
+// a simtest may import both x/bearers/keeper and x/bread/keeper to wire the
+// BreadKeeper shim in a test setup.
+
+// BreadKeeper is the expected-keeper interface for x/bread (G-003). The
+// bearers MsgConsumeOYQR handler calls it for the OY-QR one-shot transfer
+// effect: TransferGrain moves grain from the issuer-reach to the
+// consumer-reach (by-ID-string — the lexicon-clean holder identifier, NOT
+// a banned financial-holder lexicon; use Holder/Reach).
+//
+// The reach-ids are by-ID-string at the type level (G-003) and stay
+// by-ID-string at the runtime level (this interface takes strings, not a
+// x/bread struct). No struct import of x/bread/types.
+type BreadKeeper interface {
+	// TransferGrain moves grain from the from-reach to the to-reach (by
+	// reach-id string). Returns an error if the transfer fails (e.g.,
+	// insufficient grain, unknown reach-id). The bearers handler flips
+	// the OY-QR consumed flag FIRST (state write — A-521), THEN invokes
+	// this transfer effect; a panic in the transfer rolls back the whole
+	// tx (SDK store is atomic per tx — the order documents intent and
+	// matches the ibc-go delete-before-mint convention).
+	TransferGrain(fromReach, toReach string, amount int64) error
+}

x/bearers/types/msg_bearer.go

@@ -0,0 +1,473 @@
+package types
+
+import (
+	"fmt"
+
+	sdk "github.com/cosmos/cosmos-sdk/types"
+)
+
+// msg_bearer.go holds the bearers module's Msg* types implementing sdk.Msg
+// (G-006 controlled exception: types/ gains the cosmos-sdk import for
+// sdk.Msg — D-055; the invariant/lexicon tests in *_test.go stay stdlib-only
+// per G-024, isolated from this msg_*.go file). Each Msg carries a
+// ValidateBasic (stateless) and GetSigners.
+//
+// The seven bearer Msg types drive the OY-SAT frame transport + OY-QR
+// one-shot consume + session lifecycle (REQ-034):
+//   - MsgSendOYSATFrame: send a frame on an OY-SAT session.
+//   - MsgReceiveOYSATFrame: acknowledge receipt of a frame (transitions the
+//     session Open → Active on first ack).
+//   - MsgIssueOYQR: issue a one-shot OY-QR (consumed=false).
+//   - MsgConsumeOYQR: consume a one-shot OY-QR — flips consumed BEFORE the
+//     transfer effect (A-521); replay finds consumed==true and errors.
+//   - MsgOpenSession: open a new session (status=Open).
+//   - MsgCloseSession: close a session (Active → Closed).
+//   - MsgRevokeSession: revoke a session (out-of-band → Revoked).
+//
+// All cross-module refs are by-ID-string (G-003): session-id is this
+// session's ID; qr-id is this QR's ID; reach-ids are by-ID-string user
+// identifiers. GetSigners returns the signer reach-ids encoded as
+// sdk.AccAddress bytes. The reach-id is the lexicon-clean holder
+// identifier (G-003 — NOT a banned financial-holder lexicon; use
+// Holder/Reach).
+//
+// Surveillance-resistant invariant (A-522): NO Msg carries geolocation or
+// sender physical location fields. The handler MUST NOT emit geolocation
+// in events. A negative simtest asserts the event set contains NO
+// geolocation fields.
+
+// --- MsgSendOYSATFrame --------------------------------------------------------
+
+// MsgSendOYSATFrame sends a frame on an OY-SAT session. ValidateBasic is
+// stateless: non-empty session-id, non-empty frame payload, non-empty
+// signer. The handler enforces the stateful session-status check (the
+// session must be Open or Active — frames on Closed/Revoked are rejected).
+type MsgSendOYSATFrame struct {
+	SessionID    string `json:"session_id" yaml:"session_id"`
+	FrameID      string `json:"frame_id" yaml:"frame_id"`
+	PayloadBytes []byte `json:"payload_bytes" yaml:"payload_bytes"`
+	Signer       string `json:"signer" yaml:"signer"`
+}
+
+// Reset implements proto.Message (sdk.Msg = proto.Message).
+func (m *MsgSendOYSATFrame) Reset() { *m = MsgSendOYSATFrame{} }
+
+// String implements proto.Message.
+func (m *MsgSendOYSATFrame) String() string {
+	return fmt.Sprintf("MsgSendOYSATFrame{SessionID:%s FrameID:%s Signer:%s}",
+		m.SessionID, m.FrameID, m.Signer)
+}
+
+// ProtoMessage implements proto.Message.
+func (*MsgSendOYSATFrame) ProtoMessage() {}
+
+// ValidateBasic is the stateless validation: non-empty session-id, non-empty
+// frame payload, non-empty signer.
+func (m *MsgSendOYSATFrame) ValidateBasic() error {
+	if m.SessionID == "" {
+		return fmt.Errorf("bearers: empty session-id")
+	}
+	if len(m.PayloadBytes) == 0 {
+		return fmt.Errorf("bearers: empty frame payload")
+	}
+	if m.Signer == "" {
+		return fmt.Errorf("bearers: empty signer")
+	}
+	return nil
+}
+
+// GetSigners returns the signer's reach-id as sdk.AccAddress bytes.
+func (m *MsgSendOYSATFrame) GetSigners() []sdk.AccAddress {
+	return []sdk.AccAddress{[]byte(m.Signer)}
+}
+
+// --- MsgReceiveOYSATFrame -----------------------------------------------------
+
+// MsgReceiveOYSATFrame acknowledges receipt of an OY-SAT frame. The handler
+// transitions the session Open → Active on the first ack. ValidateBasic is
+// stateless: non-empty session-id, non-empty frame-id, non-empty signer.
+type MsgReceiveOYSATFrame struct {
+	SessionID string `json:"session_id" yaml:"session_id"`
+	FrameID   string `json:"frame_id" yaml:"frame_id"`
+	Signer    string `json:"signer" yaml:"signer"`
+}
+
+// Reset implements proto.Message.
+func (m *MsgReceiveOYSATFrame) Reset() { *m = MsgReceiveOYSATFrame{} }
+
+// String implements proto.Message.
+func (m *MsgReceiveOYSATFrame) String() string {
+	return fmt.Sprintf("MsgReceiveOYSATFrame{SessionID:%s FrameID:%s Signer:%s}",
+		m.SessionID, m.FrameID, m.Signer)
+}
+
+// ProtoMessage implements proto.Message.
+func (*MsgReceiveOYSATFrame) ProtoMessage() {}
+
+// ValidateBasic is the stateless validation: non-empty session-id, non-empty
+// frame-id, non-empty signer.
+func (m *MsgReceiveOYSATFrame) ValidateBasic() error {
+	if m.SessionID == "" {
+		return fmt.Errorf("bearers: empty session-id")
+	}
+	if m.FrameID == "" {
+		return fmt.Errorf("bearers: empty frame-id")
+	}
+	if m.Signer == "" {
+		return fmt.Errorf("bearers: empty signer")
+	}
+	return nil
+}
+
+// GetSigners returns the signer's reach-id as sdk.AccAddress bytes.
+func (m *MsgReceiveOYSATFrame) GetSigners() []sdk.AccAddress {
+	return []sdk.AccAddress{[]byte(m.Signer)}
+}
+
+// --- MsgIssueOYQR -------------------------------------------------------------
+
+// MsgIssueOYQR issues a one-shot OY-QR (consumed=false). ValidateBasic is
+// stateless: non-empty qr-id, non-empty issuer-reach-id, non-empty payload,
+// expires-at > 0 (the handler asserts expires-at > now at consume time, not
+// issue time — but a zero/negative expires-at is rejected as malformed).
+type MsgIssueOYQR struct {
+	QRID          string `json:"qr_id" yaml:"qr_id"`
+	IssuerReachID string `json:"issuer_reach_id" yaml:"issuer_reach_id"`
+	PayloadBytes  []byte `json:"payload_bytes" yaml:"payload_bytes"`
+	AmountGrain   int64  `json:"amount_grain" yaml:"amount_grain"`
+	ExpiresAt     int64  `json:"expires_at" yaml:"expires_at"`
+	Signer        string `json:"signer" yaml:"signer"`
+}
+
+// Reset implements proto.Message.
+func (m *MsgIssueOYQR) Reset() { *m = MsgIssueOYQR{} }
+
+// String implements proto.Message.
+func (m *MsgIssueOYQR) String() string {
+	return fmt.Sprintf("MsgIssueOYQR{QRID:%s IssuerReachID:%s AmountGrain:%d ExpiresAt:%d Signer:%s}",
+		m.QRID, m.IssuerReachID, m.AmountGrain, m.ExpiresAt, m.Signer)
+}
+
+// ProtoMessage implements proto.Message.
+func (*MsgIssueOYQR) ProtoMessage() {}
+
+// ValidateBasic is the stateless validation: non-empty qr-id, non-empty
+// issuer-reach-id, non-empty payload, amount > 0, expires-at > 0, non-empty
+// signer. The handler asserts expires-at > now at consume time (the
+// stateful check); a zero/negative expires-at is rejected as malformed here.
+func (m *MsgIssueOYQR) ValidateBasic() error {
+	if m.QRID == "" {
+		return fmt.Errorf("bearers: empty qr-id")
+	}
+	if m.IssuerReachID == "" {
+		return fmt.Errorf("bearers: empty issuer-reach-id")
+	}
+	if len(m.PayloadBytes) == 0 {
+		return fmt.Errorf("bearers: empty qr payload")
+	}
+	if m.AmountGrain <= 0 {
+		return fmt.Errorf("bearers: amount-grain must be > 0")
+	}
+	if m.ExpiresAt <= 0 {
+		return fmt.Errorf("bearers: expires-at must be > 0")
+	}
+	if m.Signer == "" {
+		return fmt.Errorf("bearers: empty signer")
+	}
+	return nil
+}
+
+// GetSigners returns the signer's reach-id as sdk.AccAddress bytes.
+func (m *MsgIssueOYQR) GetSigners() []sdk.AccAddress {
+	return []sdk.AccAddress{[]byte(m.Signer)}
+}
+
+// --- MsgConsumeOYQR ----------------------------------------------------------
+
+// MsgConsumeOYQR consumes a one-shot OY-QR. The handler is the canonical
+// one-shot handler (A-521): load QR → assert !consumed → assert expires-at
+// > now → FLIP consumed=true (state write FIRST) → emit transfer effect
+// via BreadKeeper shim → emit event → return. A replay finds consumed==true
+// and returns an error (idempotent reject, NOT double-effect).
+//
+// ValidateBasic is stateless: non-empty qr-id, non-empty consumer-reach-id,
+// non-empty signer.
+type MsgConsumeOYQR struct {
+	QRID            string `json:"qr_id" yaml:"qr_id"`
+	ConsumerReachID string `json:"consumer_reach_id" yaml:"consumer_reach_id"`
+	Signer          string `json:"signer" yaml:"signer"`
+}
+
+// Reset implements proto.Message.
+func (m *MsgConsumeOYQR) Reset() { *m = MsgConsumeOYQR{} }
+
+// String implements proto.Message.
+func (m *MsgConsumeOYQR) String() string {
+	return fmt.Sprintf("MsgConsumeOYQR{QRID:%s ConsumerReachID:%s Signer:%s}",
+		m.QRID, m.ConsumerReachID, m.Signer)
+}
+
+// ProtoMessage implements proto.Message.
+func (*MsgConsumeOYQR) ProtoMessage() {}
+
+// ValidateBasic is the stateless validation: non-empty qr-id, non-empty
+// consumer-reach-id, non-empty signer.
+func (m *MsgConsumeOYQR) ValidateBasic() error {
+	if m.QRID == "" {
+		return fmt.Errorf("bearers: empty qr-id")
+	}
+	if m.ConsumerReachID == "" {
+		return fmt.Errorf("bearers: empty consumer-reach-id")
+	}
+	if m.Signer == "" {
+		return fmt.Errorf("bearers: empty signer")
+	}
+	return nil
+}
+
+// GetSigners returns the signer's reach-id as sdk.AccAddress bytes.
+func (m *MsgConsumeOYQR) GetSigners() []sdk.AccAddress {
+	return []sdk.AccAddress{[]byte(m.Signer)}
+}
+
+// --- MsgOpenSession ----------------------------------------------------------
+
+// MsgOpenSession opens a new bearer session (status=Open). ValidateBasic is
+// stateless: non-empty session-id, valid bearer-type, non-empty
+// initiator-reach, non-empty peer-reach, non-empty signer.
+type MsgOpenSession struct {
+	SessionID      string     `json:"session_id" yaml:"session_id"`
+	BearerType     BearerType `json:"bearer_type" yaml:"bearer_type"`
+	InitiatorReach string     `json:"initiator_reach" yaml:"initiator_reach"`
+	PeerReach      string     `json:"peer_reach" yaml:"peer_reach"`
+	TTL            int64      `json:"ttl" yaml:"ttl"`
+	Signer         string     `json:"signer" yaml:"signer"`
+}
+
+// Reset implements proto.Message.
+func (m *MsgOpenSession) Reset() { *m = MsgOpenSession{} }
+
+// String implements proto.Message.
+func (m *MsgOpenSession) String() string {
+	return fmt.Sprintf("MsgOpenSession{SessionID:%s BearerType:%s InitiatorReach:%s PeerReach:%s TTL:%d Signer:%s}",
+		m.SessionID, m.BearerType, m.InitiatorReach, m.PeerReach, m.TTL, m.Signer)
+}
+
+// ProtoMessage implements proto.Message.
+func (*MsgOpenSession) ProtoMessage() {}
+
+// ValidateBasic is the stateless validation: non-empty session-id, known
+// bearer-type, non-empty initiator-reach, non-empty peer-reach, non-empty
+// signer. ttl may be 0 (never expires).
+func (m *MsgOpenSession) ValidateBasic() error {
+	if m.SessionID == "" {
+		return fmt.Errorf("bearers: empty session-id")
+	}
+	if !knownBearerType(m.BearerType) {
+		return fmt.Errorf("bearers: unknown bearer-type %q", m.BearerType)
+	}
+	if m.InitiatorReach == "" {
+		return fmt.Errorf("bearers: empty initiator-reach")
+	}
+	if m.PeerReach == "" {
+		return fmt.Errorf("bearers: empty peer-reach")
+	}
+	if m.Signer == "" {
+		return fmt.Errorf("bearers: empty signer")
+	}
+	return nil
+}
+
+// GetSigners returns the signer's reach-id as sdk.AccAddress bytes.
+func (m *MsgOpenSession) GetSigners() []sdk.AccAddress {
+	return []sdk.AccAddress{[]byte(m.Signer)}
+}
+
+// --- MsgCloseSession ---------------------------------------------------------
+
+// MsgCloseSession closes a session (Active → Closed). ValidateBasic is
+// stateless: non-empty session-id, non-empty signer.
+type MsgCloseSession struct {
+	SessionID string `json:"session_id" yaml:"session_id"`
+	Signer    string `json:"signer" yaml:"signer"`
+}
+
+// Reset implements proto.Message.
+func (m *MsgCloseSession) Reset() { *m = MsgCloseSession{} }
+
+// String implements proto.Message.
+func (m *MsgCloseSession) String() string {
+	return fmt.Sprintf("MsgCloseSession{SessionID:%s Signer:%s}", m.SessionID, m.Signer)
+}
+
+// ProtoMessage implements proto.Message.
+func (*MsgCloseSession) ProtoMessage() {}
+
+// ValidateBasic is the stateless validation: non-empty session-id and signer.
+func (m *MsgCloseSession) ValidateBasic() error {
+	if m.SessionID == "" {
+		return fmt.Errorf("bearers: empty session-id")
+	}
+	if m.Signer == "" {
+		return fmt.Errorf("bearers: empty signer")
+	}
+	return nil
+}
+
+// GetSigners returns the signer's reach-id as sdk.AccAddress bytes.
+func (m *MsgCloseSession) GetSigners() []sdk.AccAddress {
+	return []sdk.AccAddress{[]byte(m.Signer)}
+}
+
+// --- MsgRevokeSession --------------------------------------------------------
+
+// MsgRevokeSession revokes a session (out-of-band → Revoked). A revoked
+// session rejects further Receive. ValidateBasic is stateless: non-empty
+// session-id, non-empty signer.
+type MsgRevokeSession struct {
+	SessionID string `json:"session_id" yaml:"session_id"`
+	Signer    string `json:"signer" yaml:"signer"`
+}
+
+// Reset implements proto.Message.
+func (m *MsgRevokeSession) Reset() { *m = MsgRevokeSession{} }
+
+// String implements proto.Message.
+func (m *MsgRevokeSession) String() string {
+	return fmt.Sprintf("MsgRevokeSession{SessionID:%s Signer:%s}", m.SessionID, m.Signer)
+}
+
+// ProtoMessage implements proto.Message.
+func (*MsgRevokeSession) ProtoMessage() {}
+
+// ValidateBasic is the stateless validation: non-empty session-id and signer.
+func (m *MsgRevokeSession) ValidateBasic() error {
+	if m.SessionID == "" {
+		return fmt.Errorf("bearers: empty session-id")
+	}
+	if m.Signer == "" {
+		return fmt.Errorf("bearers: empty signer")
+	}
+	return nil
+}
+
+// GetSigners returns the signer's reach-id as sdk.AccAddress bytes.
+func (m *MsgRevokeSession) GetSigners() []sdk.AccAddress {
+	return []sdk.AccAddress{[]byte(m.Signer)}
+}
+
+// --- MsgServer interface + Response types -----------------------------------
+
+// MsgServer is the bearers module's message server interface (one method per
+// Msg*). The keeper's msg_server.go implements this; module.go's
+// RegisterServices wires the implementation. This is the hand-rolled
+// equivalent of the protobuf-generated MsgServer interface (no codegen per
+// the skeleton's zero-codegen style).
+type MsgServer interface {
+	SendOYSATFrame(ctx interface{}, msg *MsgSendOYSATFrame) (*MsgSendOYSATFrameResponse, error)
+	ReceiveOYSATFrame(ctx interface{}, msg *MsgReceiveOYSATFrame) (*MsgReceiveOYSATFrameResponse, error)
+	IssueOYQR(ctx interface{}, msg *MsgIssueOYQR) (*MsgIssueOYQRResponse, error)
+	ConsumeOYQR(ctx interface{}, msg *MsgConsumeOYQR) (*MsgConsumeOYQRResponse, error)
+	OpenSession(ctx interface{}, msg *MsgOpenSession) (*MsgOpenSessionResponse, error)
+	CloseSession(ctx interface{}, msg *MsgCloseSession) (*MsgCloseSessionResponse, error)
+	RevokeSession(ctx interface{}, msg *MsgRevokeSession) (*MsgRevokeSessionResponse, error)
+}
+
+// Response types (hand-rolled equivalents of the protobuf-generated response
+// wrappers; empty bodies — the response is the state mutation + event).
+
+// MsgSendOYSATFrameResponse is the response to MsgSendOYSATFrame.
+type MsgSendOYSATFrameResponse struct{}
+
+// Reset implements proto.Message.
+func (m *MsgSendOYSATFrameResponse) Reset() { *m = MsgSendOYSATFrameResponse{} }
+
+// String implements proto.Message.
+func (m *MsgSendOYSATFrameResponse) String() string { return "MsgSendOYSATFrameResponse{}" }
+
+// ProtoMessage implements proto.Message.
+func (*MsgSendOYSATFrameResponse) ProtoMessage() {}
+
+// MsgReceiveOYSATFrameResponse is the response to MsgReceiveOYSATFrame.
+type MsgReceiveOYSATFrameResponse struct{}
+
+// Reset implements proto.Message.
+func (m *MsgReceiveOYSATFrameResponse) Reset() { *m = MsgReceiveOYSATFrameResponse{} }
+
+// String implements proto.Message.
+func (m *MsgReceiveOYSATFrameResponse) String() string { return "MsgReceiveOYSATFrameResponse{}" }
+
+// ProtoMessage implements proto.Message.
+func (*MsgReceiveOYSATFrameResponse) ProtoMessage() {}
+
+// MsgIssueOYQRResponse is the response to MsgIssueOYQR.
+type MsgIssueOYQRResponse struct{}
+
+// Reset implements proto.Message.
+func (m *MsgIssueOYQRResponse) Reset() { *m = MsgIssueOYQRResponse{} }
+
+// String implements proto.Message.
+func (m *MsgIssueOYQRResponse) String() string { return "MsgIssueOYQRResponse{}" }
+
+// ProtoMessage implements proto.Message.
+func (*MsgIssueOYQRResponse) ProtoMessage() {}
+
+// MsgConsumeOYQRResponse is the response to MsgConsumeOYQR.
+type MsgConsumeOYQRResponse struct{}
+
+// Reset implements proto.Message.
+func (m *MsgConsumeOYQRResponse) Reset() { *m = MsgConsumeOYQRResponse{} }
+
+// String implements proto.Message.
+func (m *MsgConsumeOYQRResponse) String() string { return "MsgConsumeOYQRResponse{}" }
+
+// ProtoMessage implements proto.Message.
+func (*MsgConsumeOYQRResponse) ProtoMessage() {}
+
+// MsgOpenSessionResponse is the response to MsgOpenSession.
+type MsgOpenSessionResponse struct{}
+
+// Reset implements proto.Message.
+func (m *MsgOpenSessionResponse) Reset() { *m = MsgOpenSessionResponse{} }
+
+// String implements proto.Message.
+func (m *MsgOpenSessionResponse) String() string { return "MsgOpenSessionResponse{}" }
+
+// ProtoMessage implements proto.Message.
+func (*MsgOpenSessionResponse) ProtoMessage() {}
+
+// MsgCloseSessionResponse is the response to MsgCloseSession.
+type MsgCloseSessionResponse struct{}
+
+// Reset implements proto.Message.
+func (m *MsgCloseSessionResponse) Reset() { *m = MsgCloseSessionResponse{} }
+
+// String implements proto.Message.
+func (m *MsgCloseSessionResponse) String() string { return "MsgCloseSessionResponse{}" }
+
+// ProtoMessage implements proto.Message.
+func (*MsgCloseSessionResponse) ProtoMessage() {}
+
+// MsgRevokeSessionResponse is the response to MsgRevokeSession.
+type MsgRevokeSessionResponse struct{}
+
+// Reset implements proto.Message.
+func (m *MsgRevokeSessionResponse) Reset() { *m = MsgRevokeSessionResponse{} }
+
+// String implements proto.Message.
+func (m *MsgRevokeSessionResponse) String() string { return "MsgRevokeSessionResponse{}" }
+
+// ProtoMessage implements proto.Message.
+func (*MsgRevokeSessionResponse) ProtoMessage() {}
+
+// --- Helpers ----------------------------------------------------------------
+
+// knownBearerType reports whether bt is one of the six BearerType values.
+func knownBearerType(bt BearerType) bool {
+	for _, b := range AllBearers() {
+		if b.Type == bt {
+			return true
+		}
+	}
+	return false
+}

x/bearers/types/session.go

@@ -0,0 +1,121 @@
+package types
+
+// session.go holds the bearers runtime Session struct + lifecycle enum
+// (P2-01-01, REQ-034). The Session is the runtime state object for a bearer
+// transport conversation: a sequence of frames bound by a session-id, with
+// Open/Active/Closed/Revoked lifecycle (mirrors the v0.2 Window primitive's
+// lifecycle per A-523).
+//
+// All cross-module references are by-ID-string (G-003): initiator-reach and
+// peer-reach are reach-id strings (the lexicon-clean holder identifier — NOT
+// a banned financial-holder lexicon; use Holder/Reach). bearer-type is a
+// BearerType enum value defined in types.go (same package — no cross-module
+// import).
+//
+// Surveillance-resistant invariant (vision §14, A-522): the Session carries
+// NO geolocation / sender physical location fields. The surveillance-
+// resistant locked const on OYSATLink/OYLRLink is a runtime invariant —
+// the handler MUST NOT emit geolocation in events. A negative simtest
+// asserts the event set contains NO geolocation fields.
+
+// SessionStatus is the session lifecycle (A-523 — mirrors Window's
+// Open/Active/Closed/Revoked shape for consistency with the v0.2 Window
+// primitive).
+type SessionStatus string
+
+const (
+	// SessionOpen is the initial state: a session has been declared but no
+	// frame has been acknowledged yet.
+	SessionOpen SessionStatus = "Open"
+	// SessionActive is the state after the first frame is acknowledged
+	// (received). The session is carrying traffic.
+	SessionActive SessionStatus = "Active"
+	// SessionClosed is the terminal success state: the last frame was
+	// delivered or the ttl expired.
+	SessionClosed SessionStatus = "Closed"
+	// SessionRevoked is the out-of-band termination state: a RevokeSession
+	// handler flipped the status. A revoked session rejects further Receive.
+	SessionRevoked SessionStatus = "Revoked"
+)
+
+// AllSessionStatuses returns all four SessionStatus values in lifecycle
+// order. Locked-const test asserts exactly 4 entries.
+func AllSessionStatuses() []SessionStatus {
+	return []SessionStatus{
+		SessionOpen,
+		SessionActive,
+		SessionClosed,
+		SessionRevoked,
+	}
+}
+
+// SessionStatusCount is the locked count of SessionStatus enum values.
+// A regression firewall: adding/removing/renaming a status breaks this
+// const's test.
+const SessionStatusCount = 4
+
+// Frame is a single bearer transport frame within a Session (REQ-034). A
+// frame is a unit of payload sent via the bearer transport (OY-SAT satellite
+// frame, OY-QR paper QR, etc.). The frame carries the payload-bytes and the
+// sender-reach-id (the lexicon-clean holder identifier — NOT a geolocation
+// or physical location; surveillance-resistant invariant A-522).
+type Frame struct {
+	FrameID      string `json:"frame_id" yaml:"frame_id"`
+	SenderReach  string `json:"sender_reach" yaml:"sender_reach"`
+	PayloadBytes []byte `json:"payload_bytes" yaml:"payload_bytes"`
+	SentAt       int64  `json:"sent_at" yaml:"sent_at"`
+	Received     bool   `json:"received" yaml:"received"`
+}
+
+// Session is the runtime state object for a bearer transport conversation
+// (REQ-034, A-523). A session is a sequence of frames bound by a session-id,
+// with Open/Active/Closed/Revoked lifecycle (mirrors the v0.2 Window
+// primitive's lifecycle). The session is stored under the bearers keeper
+// (by session-id).
+//
+//   - session-id is this session's unique identifier.
+//   - bearer-type is the BearerType enum value (BearerOYSAT, BearerOYQR,
+//     etc.) — same package, no cross-module import.
+//   - initiator-reach is the reach-id of the session initiator (the holder
+//     who opened the session). Reach-id is the lexicon-clean identifier
+//     (G-003 — NOT a banned financial-holder lexicon).
+//   - peer-reach is the reach-id of the session peer (the other endpoint).
+//   - status is the SessionStatus lifecycle (Open/Active/Closed/Revoked).
+//   - frames is the ordered list of Frames in the session.
+//   - ttl is the time-to-live in seconds (a session with ttl=0 never
+//     expires; ttl > 0 expires at opened-at + ttl).
+//   - opened-at is the block time the session was opened (unix seconds).
+//   - closed-at is the block time the session was closed/revoked (0 while
+//     Open/Active).
+//
+// Surveillance-resistant invariant (A-522): the Session carries NO
+// geolocation / sender physical location fields. The surveillance-resistant
+// locked const on OYSATLink/OYLRLink is a runtime invariant — the handler
+// MUST NOT emit geolocation in events.
+type Session struct {
+	SessionID      string        `json:"session_id" yaml:"session_id"`
+	BearerType     BearerType    `json:"bearer_type" yaml:"bearer_type"`
+	InitiatorReach string        `json:"initiator_reach" yaml:"initiator_reach"`
+	PeerReach      string        `json:"peer_reach" yaml:"peer_reach"`
+	Status         SessionStatus `json:"status" yaml:"status"`
+	Frames         []Frame       `json:"frames" yaml:"frames"`
+	TTL            int64         `json:"ttl" yaml:"ttl"`
+	OpenedAt       int64         `json:"opened_at" yaml:"opened_at"`
+	ClosedAt       int64         `json:"closed_at" yaml:"closed_at"`
+}
+
+// IsTerminal reports whether the session status is terminal (Closed or
+// Revoked). A terminal session rejects further Receive calls.
+func (s Session) IsTerminal() bool {
+	return s.Status == SessionClosed || s.Status == SessionRevoked
+}
+
+// IsExpired reports whether the session has expired at the given block time
+// (unix seconds). A session with TTL=0 never expires. Expiry transitions the
+// session to Closed (the handler enforces this on Receive/Status checks).
+func (s Session) IsExpired(now int64) bool {
+	if s.TTL == 0 {
+		return false
+	}
+	return now >= s.OpenedAt+s.TTL
+}

x/bearers/types/types.go

@@ -0,0 +1,250 @@
+package types
+
+import (
+	"encoding/json"
+	"fmt"
+)
+
+const (
+	ModuleName   = "bearers"
+	StoreKey     = ModuleName
+	RouterKey    = ModuleName
+	QuerierRoute = ModuleName
+)
+
+// BearerType defines the transport bearers (§14)
+type BearerType string
+
+const (
+	BearerInternet     BearerType = "Internet"       // Global, carrier-dependent
+	BearerOYLR         BearerType = "OY-LR"          // LoRa, 2-10km, surveillance-resistant
+	BearerOYBLE        BearerType = "OY-BLE"         // Bluetooth, 10-100m
+	BearerOYWiFiDirect BearerType = "OY-WiFi-Direct" // 50-200m
+	BearerOYSAT        BearerType = "OY-SAT"         // Satellite, global
+	BearerOYQR         BearerType = "OY-QR"          // Paper, 0 range
+)
+
+// BearerInfo describes a bearer's properties (§14)
+type BearerInfo struct {
+	Type                  BearerType `json:"type" yaml:"type"`
+	RangeMeters           int32      `json:"range_meters" yaml:"range_meters"`
+	CarrierDependent      bool       `json:"carrier_dependent" yaml:"carrier_dependent"`
+	SurveillanceResistant bool       `json:"surveillance_resistant" yaml:"surveillance_resistant"`
+}
+
+// AllBearers returns all bearer types with their properties (§14)
+func AllBearers() []BearerInfo {
+	return []BearerInfo{
+		{BearerInternet, 0, true, false},
+		{BearerOYLR, 10000, false, true},
+		{BearerOYBLE, 100, false, true},
+		{BearerOYWiFiDirect, 200, false, true},
+		{BearerOYSAT, 0, false, true},
+		{BearerOYQR, 0, false, true},
+	}
+}
+
+// UnifiedBearerLayer implements first-to-deliver-wins (§14)
+// RFC 5050 Bundle Protocol principles, delay-tolerant networking
+type UnifiedBearerLayer struct {
+	ActiveBearers  []BearerType `json:"active_bearers" yaml:"active_bearers"`
+	FirstToDeliver bool         `json:"first_to_deliver" yaml:"first_to_deliver"`
+}
+
+// BearerTransport is the transport interface for a bearer (D-029, vision
+// §14). A bearer implementation provides Send (dispatch a payload), Receive
+// (accept an inbound payload), and Status (report the bearer's current
+// reachability). This is a Go interface stub — no implementation is provided
+// in v0.2; the OY-LR and Beacon transports are typed stubs only (no
+// hardware/RF integration per D-029). The interface is the v0.2 hook for the
+// Phase 3 processing-mesh runtime.
+type BearerTransport interface {
+	// Send dispatches a payload via the bearer. Returns an error if the
+	// bearer cannot accept the payload. The stub implementations do not
+	// actually transmit; the interface contract is the v0.2 deliverable.
+	Send(payload []byte) error
+	// Receive accepts an inbound payload from the bearer. Returns the
+	// payload and an error if the bearer has no inbound payload.
+	Receive() ([]byte, error)
+	// Status reports the bearer's current reachability (true = reachable).
+	Status() bool
+}
+
+// OYLRLink is the OY-LR (LoRa, long-range 2-10km) transport link stub (D-029,
+// vision §14). OY-LR is surveillance-resistant (vision §14: differs from
+// Helium's public-coverage model). gateway-id is the LoRa gateway
+// identifier; range-meters is the link range (2-10km); frequency-mhz is the
+// operating frequency; surveillance-resistant is LOCKED true for OY-LR (the
+// bearer is designed to resist surveillance).
+type OYLRLink struct {
+	GatewayID             string `json:"gateway_id" yaml:"gateway_id"`
+	RangeMeters           int32  `json:"range_meters" yaml:"range_meters"`
+	FrequencyMHz          uint32 `json:"frequency_mhz" yaml:"frequency_mhz"`
+	SurveillanceResistant bool   `json:"surveillance_resistant" yaml:"surveillance_resistant"`
+}
+
+// BeaconFrame is the OY-Beacon transport-mode beacon frame stub (D-029,
+// vision §14). A beacon is a transport-mode beacon (presence + small
+// payload), closest to Eddystone-EID (ephemeral identifier). beacon-id is
+// the beacon identifier; ephemeral-id is the rotating ephemeral identifier;
+// payload-bytes is the small payload; ttl is the time-to-live in seconds
+// (must be > 0 for a valid frame).
+type BeaconFrame struct {
+	BeaconID     string `json:"beacon_id" yaml:"beacon_id"`
+	EphemeralID  string `json:"ephemeral_id" yaml:"ephemeral_id"`
+	PayloadBytes []byte `json:"payload_bytes" yaml:"payload_bytes"`
+	TTL          int64  `json:"ttl" yaml:"ttl"`
+}
+
+// OYSATLink is the OY-SAT (satellite bearer) transport link stub (D-037,
+// vision §14). OY-SAT is global, surveillance-resistant (vision §14: the
+// bearer is designed to resist surveillance, matching OY-LR). The struct
+// mirrors the v0.2 OYLRLink shape (gateway-id, range, frequency, surveillance-
+// resistant flag). It is a transport-shape stub (a typed data struct, not a
+// BearerTransport interface impl — matching the v0.2 OYLRLink/BeaconFrame
+// approach per D-029).
+//
+//   - satellite-id is the satellite gateway/constellation identifier.
+//   - surveillance-resistant is LOCKED true for OY-SAT (A-311: OY-SAT is
+//     designed to resist surveillance, matching OY-LR from v0.2). The
+//     NewOYSATLink constructor enforces this invariant; the field is
+//     exported for JSON marshalling but the LOCKED-true invariant is
+//     asserted by the constructor and the regression test.
+//   - range-meters is the link range (0 for global satellite coverage).
+type OYSATLink struct {
+	SatelliteID           string `json:"satellite_id" yaml:"satellite_id"`
+	SurveillanceResistant bool   `json:"surveillance_resistant" yaml:"surveillance_resistant"`
+	RangeMeters           int32  `json:"range_meters" yaml:"range_meters"`
+}
+
+// OYSATSurveillanceResistant is the LOCKED invariant for OY-SAT (A-311):
+// OY-SAT is surveillance-resistant by design (vision §14). The const is
+// the authoritative value; the NewOYSATLink constructor sets the struct
+// field from this const so the invariant is enforced at construction time.
+// A regression test asserts this const is true.
+const OYSATSurveillanceResistant = true
+
+// NewOYSATLink constructs an OYSATLink with the surveillance-resistant
+// flag LOCKED true (A-311). The caller cannot clear the flag via the
+// constructor; the invariant is enforced at construction time. range-meters
+// defaults to 0 (global satellite coverage) if not specified.
+func NewOYSATLink(satelliteID string, rangeMeters int32) OYSATLink {
+	return OYSATLink{
+		SatelliteID:           satelliteID,
+		SurveillanceResistant: OYSATSurveillanceResistant, // LOCKED true (A-311)
+		RangeMeters:           rangeMeters,
+	}
+}
+
+// OYQRCode is the OY-QR (paper/QR-code bearer) transport stub (D-037,
+// vision §14). OY-QR is 0-range (vision §14: the bearer list has OY-QR at
+// "0 range"); a QR encodes a signed transfer that the recipient scans and
+// submits. The struct mirrors the v0.2 BeaconFrame shape (a payload + a
+// lifecycle flag), but for QR the flag is a one-shot consumed flag (A-311)
+// instead of a ttl. It is a transport-shape stub (a typed data struct, not a
+// BearerTransport interface impl — matching D-029).
+//
+//   - qr-id is the QR code identifier.
+//   - payload-bytes is the signed transfer payload encoded in the QR.
+//   - consumed is the one-shot flag (A-311): a QR is single-use; once
+//     scanned/submitted, MarkConsumed flips it to true. Double-consume is
+//     idempotent (a no-op, not an error).
+//   - issuer-reach-id is the reach-id of the QR issuer (the holder who
+//     issued the QR; the MsgConsumeOYQR handler transfers grain FROM this
+//     reach-id to the consumer-reach-id via the BreadKeeper shim). Reach-id
+//     is the lexicon-clean holder identifier (G-003 — NOT a banned financial
+//     lexicon). Added in v0.5 P2 to support the MsgConsumeOYQR transfer
+//     effect (REQ-034, A-521).
+//   - amount-grain is the grain amount encoded in the QR (the transfer
+//     value the recipient receives on consume). Added in v0.5 P2.
+//   - expires-at is the unix-second expiry timestamp (the QR is valid until
+//     this time; the MsgConsumeOYQR handler asserts expires-at > now before
+//     flipping consumed). Added in v0.5 P2.
+type OYQRCode struct {
+	QRID          string `json:"qr_id" yaml:"qr_id"`
+	PayloadBytes  []byte `json:"payload_bytes" yaml:"payload_bytes"`
+	Consumed      bool   `json:"consumed" yaml:"consumed"`
+	IssuerReachID string `json:"issuer_reach_id" yaml:"issuer_reach_id"`
+	AmountGrain   int64  `json:"amount_grain" yaml:"amount_grain"`
+	ExpiresAt     int64  `json:"expires_at" yaml:"expires_at"`
+}
+
+// MarkConsumed marks the QR as consumed (one-shot, A-311). Idempotent:
+// calling MarkConsumed on an already-consumed QR is a no-op (no error, no
+// state change beyond setting consumed=true which is already true). This
+// locks the one-shot semantics: a QR cannot be unconsumed.
+func (q *OYQRCode) MarkConsumed() {
+	q.Consumed = true
+}
+
+type Params struct{}
+
+func DefaultParams() Params { return Params{} }
+
+// GenesisState defines the bearers module genesis state. v0.1 had only
+// Params; v0.5 P2 (REQ-034) adds Sessions + QRs so the runtime keeper can
+// load/export its state via AppModule.InitGenesis/ExportGenesis. The
+// Sessions and QRs slices are validated for ID-uniqueness (A-212 pattern).
+type GenesisState struct {
+	Params   Params     `json:"params" yaml:"params"`
+	Sessions []Session  `json:"sessions" yaml:"sessions"`
+	QRs      []OYQRCode `json:"qrs" yaml:"qrs"`
+}
+
+func DefaultGenesisState() *GenesisState {
+	return &GenesisState{
+		Params:   DefaultParams(),
+		Sessions: []Session{},
+		QRs:      []OYQRCode{},
+	}
+}
+
+// Reset implements proto.Message (codec.JSONCodec.MustMarshalJSON /
+// MustUnmarshalJSON require proto.Message; the GenesisState is the JSON
+// genesis payload and gains the gogoproto proto.Message methods here so the
+// AppModule's InitGenesis/ExportGenesis compile without protobuf codegen).
+func (m *GenesisState) Reset() { *m = GenesisState{} }
+
+// String implements proto.Message.
+func (m *GenesisState) String() string {
+	return fmt.Sprintf("GenesisState{Sessions:%d QRs:%d}", len(m.Sessions), len(m.QRs))
+}
+
+// ProtoMessage implements proto.Message.
+func (*GenesisState) ProtoMessage() {}
+
+// ValidateGenesis performs ID-uniqueness checks (A-212 upgrade from v0.1
+// no-op): rejects duplicate session-ids and duplicate qr-ids. A nil/empty
+// input is accepted (equivalent to the default empty genesis — preserves
+// the v0.1 no-op behavior for the TestValidateGenesisUnchanged regression
+// test).
+func ValidateGenesis(bz json.RawMessage) error {
+	if len(bz) == 0 {
+		return nil
+	}
+	var gs GenesisState
+	if err := json.Unmarshal(bz, &gs); err != nil {
+		return fmt.Errorf("bearers: invalid genesis: %w", err)
+	}
+	seenSessions := make(map[string]bool, len(gs.Sessions))
+	for i, s := range gs.Sessions {
+		if s.SessionID == "" {
+			return fmt.Errorf("bearers: session [%d]: empty session-id", i)
+		}
+		if seenSessions[s.SessionID] {
+			return fmt.Errorf("bearers: duplicate session-id %q", s.SessionID)
+		}
+		seenSessions[s.SessionID] = true
+	}
+	seenQRs := make(map[string]bool, len(gs.QRs))
+	for i, q := range gs.QRs {
+		if q.QRID == "" {
+			return fmt.Errorf("bearers: qr [%d]: empty qr-id", i)
+		}
+		if seenQRs[q.QRID] {
+			return fmt.Errorf("bearers: duplicate qr-id %q", q.QRID)
+		}
+		seenQRs[q.QRID] = true
+	}
+	return nil
+}

x/bearers/types/types_test.go

@@ -0,0 +1,484 @@
+package types_test
+
+import (
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+	btypes "github.com/oy/openyield/x/bearers/types"
+	ptypes "github.com/oy/openyield/x/processing/types"
+)
+
+func TestBearerCount(t *testing.T) {
+	bearers := btypes.AllBearers()
+	if len(bearers) != 6 {
+		t.Errorf("Expected 6 bearers (§14), got %d", len(bearers))
+	}
+}
+
+func TestSurveillanceResistantBearers(t *testing.T) {
+	bearers := btypes.AllBearers()
+	for _, b := range bearers {
+		if b.Type == btypes.BearerInternet && b.SurveillanceResistant {
+			t.Error("Internet bearer should NOT be surveillance-resistant (§14)")
+		}
+		if b.Type != btypes.BearerInternet && !b.SurveillanceResistant {
+			t.Errorf("Bearer %s should be surveillance-resistant (§14)", b.Type)
+		}
+	}
+}
+
+func TestProcessingModeFCFS(t *testing.T) {
+	if ptypes.ModeFCFS != "FCFS" {
+		t.Error("Processing mode should be FCFS (§15 LOCKED)")
+	}
+}
+
+func TestLightClientSize(t *testing.T) {
+	if ptypes.LightClientSizeMB != 30 {
+		t.Errorf("LightClientSize = %d, expected 30 MB (§15)", ptypes.LightClientSizeMB)
+	}
+}
+
+func TestProcessorSelectionByProximity(t *testing.T) {
+	processors := []ptypes.Processor{
+		{ProcessorID: "far", Latitude: 40.0, Longitude: 40.0},
+		{ProcessorID: "close", Latitude: 10.0, Longitude: 10.0},
+		{ProcessorID: "mid", Latitude: 20.0, Longitude: 20.0},
+	}
+	selected := ptypes.SelectProcessorByProximity(10.1, 10.1, processors)
+	if selected == nil || selected.ProcessorID != "close" {
+		t.Error("Should select closest processor (§15: geographic proximity wins)")
+	}
+}
+
+func TestEmptyProcessorSelection(t *testing.T) {
+	selected := ptypes.SelectProcessorByProximity(10.0, 10.0, []ptypes.Processor{})
+	if selected != nil {
+		t.Error("Empty processor list should return nil")
+	}
+}
+
+// --- v0.2 Bearers extension (P4-02-02, D-029) -----------------------------------
+// The following tests extend the existing v0.1 bearers tests with the v0.2
+// BearerTransport interface, OYLRLink, and BeaconFrame stubs (D-029). The
+// existing v0.1 tests above (TestBearerCount, TestSurveillanceResistantBearers,
+// TestProcessingModeFCFS, TestLightClientSize, TestProcessorSelectionByProximity,
+// TestEmptyProcessorSelection) MUST remain green — no regression.
+
+// TestOYLRStillInAllBearers is the REGRESSION test (D-029): OY-LR must still
+// be in AllBearers() (the 6-bearer count is unchanged by the v0.2 extension).
+func TestOYLRStillInAllBearers(t *testing.T) {
+	bearers := btypes.AllBearers()
+	if len(bearers) != 6 {
+		t.Errorf("AllBearers() len = %d, expected 6 (no regression — D-029)", len(bearers))
+	}
+	found := false
+	for _, b := range bearers {
+		if b.Type == btypes.BearerOYLR {
+			found = true
+			break
+		}
+	}
+	if !found {
+		t.Error("OY-LR must still be in AllBearers() (no regression — D-029)")
+	}
+}
+
+// TestBearerTransportInterfaceSignature asserts the BearerTransport
+// interface is satisfiable by a stub implementation (D-029). The interface
+// has three methods: Send, Receive, Status — no implementation is provided
+// in v0.2; this test verifies the interface compiles and a stub satisfies it.
+func TestBearerTransportInterfaceSignature(t *testing.T) {
+	// stubTransport is a minimal stub that satisfies BearerTransport.
+	var _ btypes.BearerTransport = stubTransport{}
+}
+
+// stubTransport is a minimal stub implementation of BearerTransport for the
+// interface-signature test. It does not actually transmit (no hardware/RF
+// integration per D-029); it exists only to verify the interface compiles.
+type stubTransport struct{}
+
+func (stubTransport) Send(payload []byte) error { return nil }
+func (stubTransport) Receive() ([]byte, error)  { return nil, nil }
+func (stubTransport) Status() bool              { return true }
+
+// TestBearerTransportInterfaceMethods asserts the interface methods have the
+// expected signatures by invoking them on the stub.
+func TestBearerTransportInterfaceMethods(t *testing.T) {
+	s := stubTransport{}
+	if err := s.Send([]byte("hi")); err != nil {
+		t.Errorf("Send returned error: %v", err)
+	}
+	if _, err := s.Receive(); err != nil {
+		t.Errorf("Receive returned error: %v", err)
+	}
+	if !s.Status() {
+		t.Error("Status should return true for the stub")
+	}
+}
+
+// TestOYLRLinkStructNonEmpty asserts the OYLRLink struct is non-empty when
+// populated, and that surveillance-resistant is true (OY-LR is designed to
+// resist surveillance — vision §14).
+func TestOYLRLinkStructNonEmpty(t *testing.T) {
+	link := btypes.OYLRLink{
+		GatewayID:             "gw-1",
+		RangeMeters:           10000,
+		FrequencyMHz:          915,
+		SurveillanceResistant: true,
+	}
+	if link.GatewayID != "gw-1" {
+		t.Errorf("GatewayID = %q", link.GatewayID)
+	}
+	if link.RangeMeters != 10000 {
+		t.Errorf("RangeMeters = %d", link.RangeMeters)
+	}
+	if link.FrequencyMHz != 915 {
+		t.Errorf("FrequencyMHz = %d", link.FrequencyMHz)
+	}
+	if !link.SurveillanceResistant {
+		t.Error("SurveillanceResistant must be true for OY-LR (vision §14)")
+	}
+}
+
+// TestOYLRLinkSurveillanceResistantTrue asserts the OYLRLink's surveillance-
+// resistant flag is the locked design property (OY-LR is surveillance-
+// resistant per vision §14). The zero-value is false; the constructor pattern
+// must set it true. This test asserts a populated link has it true.
+func TestOYLRLinkSurveillanceResistantTrue(t *testing.T) {
+	link := btypes.OYLRLink{SurveillanceResistant: true}
+	if !link.SurveillanceResistant {
+		t.Error("OYLRLink.SurveillanceResistant must be true for OY-LR (§14)")
+	}
+}
+
+// TestBeaconFrameStructNonEmpty asserts the BeaconFrame struct is non-empty
+// when populated, and that ttl > 0 for a valid frame.
+func TestBeaconFrameStructNonEmpty(t *testing.T) {
+	frame := btypes.BeaconFrame{
+		BeaconID:     "beacon-1",
+		EphemeralID:  "eph-abc",
+		PayloadBytes: []byte{0x01, 0x02},
+		TTL:          300,
+	}
+	if frame.BeaconID != "beacon-1" {
+		t.Errorf("BeaconID = %q", frame.BeaconID)
+	}
+	if frame.EphemeralID != "eph-abc" {
+		t.Errorf("EphemeralID = %q", frame.EphemeralID)
+	}
+	if len(frame.PayloadBytes) != 2 {
+		t.Errorf("PayloadBytes len = %d", len(frame.PayloadBytes))
+	}
+	if frame.TTL <= 0 {
+		t.Errorf("TTL = %d, must be > 0 for a valid frame", frame.TTL)
+	}
+}
+
+// TestBeaconFrameTTLPositive asserts a valid BeaconFrame has TTL > 0.
+func TestBeaconFrameTTLPositive(t *testing.T) {
+	cases := []int64{1, 60, 300, 3600}
+	for _, ttl := range cases {
+		f := btypes.BeaconFrame{TTL: ttl}
+		if f.TTL <= 0 {
+			t.Errorf("TTL = %d, must be > 0", f.TTL)
+		}
+	}
+}
+
+// TestDefaultGenesisStateUnchanged asserts DefaultGenesisState is unchanged
+// by the v0.2 extension (no regression — the v0.1 GenesisState shape is
+// preserved).
+func TestDefaultGenesisStateUnchanged(t *testing.T) {
+	gs := btypes.DefaultGenesisState()
+	if gs == nil {
+		t.Fatal("DefaultGenesisState returned nil")
+	}
+}
+
+// TestValidateGenesisUnchanged asserts ValidateGenesis is unchanged (no
+// regression — v0.1 returned nil unconditionally; the extension preserves
+// this).
+func TestValidateGenesisUnchanged(t *testing.T) {
+	if err := btypes.ValidateGenesis(nil); err != nil {
+		t.Errorf("ValidateGenesis should return nil (no regression); got: %v", err)
+	}
+}
+
+// --- Lexicon assertion (REQ-012) -------------------------------------------------
+// The bearers extension must not introduce banned terms. The lexicon helpers
+// are used here — no banned literals are inlined in this test file.
+
+// TestLexiconNoBannedTermsInBearersPackage scans every non-test .go file in
+// the bearers/types package directory for the banned terms (case-insensitive).
+// Production files only — the test file references banned terms via the
+// lexicon package helpers (standard lexicon-test bootstrapping pattern).
+func TestLexiconNoBannedTermsInBearersPackage(t *testing.T) {
+	pkgDir := packageDir(t, "github.com/oy/openyield/x/bearers/types")
+	files, err := filepath.Glob(filepath.Join(pkgDir, "*.go"))
+	if err != nil {
+		t.Fatalf("glob: %v", err)
+	}
+	prodFiles := []string{}
+	for _, f := range files {
+		if strings.HasSuffix(f, "_test.go") {
+			continue
+		}
+		prodFiles = append(prodFiles, f)
+	}
+	if len(prodFiles) == 0 {
+		t.Fatal("no production .go files found in bearers/types")
+	}
+	for _, f := range prodFiles {
+		bz, err := os.ReadFile(f)
+		if err != nil {
+			t.Fatalf("read %s: %v", f, err)
+		}
+		if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+			t.Errorf("%s: banned term %q (REQ-012 lexicon firewall — D-029 extension)", filepath.Base(f), found)
+		}
+	}
+}
+
+// TestLexiconNoBannedTermsInBearersTestFile asserts this test file itself does
+// not contain any banned term as a literal (the firewall scans test files
+// too; the lexicon helpers must be used rather than inlining banned terms).
+func TestLexiconNoBannedTermsInBearersTestFile(t *testing.T) {
+	_, thisFile, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	bz, err := os.ReadFile(thisFile)
+	if err != nil {
+		t.Fatalf("read self: %v", err)
+	}
+	if found, ok := lexicon.FindBannedTerm(string(bz)); ok {
+		t.Fatalf("bearers test file contains banned term %q — use lexicon helpers, not literals", found)
+	}
+}
+
+// --- v0.3 Bearers extension (P4-03, D-037, A-311) — OYSATLink + OYQRCode -------
+//
+// The following tests extend the v0.2 bearers tests with the v0.3 OY-SAT
+// and OY-QR transport stubs (D-037). The existing v0.1/v0.2 tests above
+// MUST remain green — no regression. The BearerType enum (6 bearers,
+// including BearerOYSAT + BearerOYQR) is locked since v0.1; v0.3 adds the
+// transport STRUCTS only (no enum change).
+
+// TestOYSATLinkStructFields asserts the OYSATLink struct carries all
+// required fields (satellite-id, surveillance-resistant, range-meters).
+func TestOYSATLinkStructFields(t *testing.T) {
+	link := btypes.OYSATLink{
+		SatelliteID:           "sat-1",
+		SurveillanceResistant: true,
+		RangeMeters:           0, // 0 for global satellite coverage
+	}
+	if link.SatelliteID != "sat-1" {
+		t.Errorf("SatelliteID = %q", link.SatelliteID)
+	}
+	if !link.SurveillanceResistant {
+		t.Error("SurveillanceResistant must be true for OY-SAT (vision §14)")
+	}
+	if link.RangeMeters != 0 {
+		t.Errorf("RangeMeters = %d, want 0 (global)", link.RangeMeters)
+	}
+}
+
+// TestOYSATLinkSurveillanceResistantLockedTrue asserts the OY-SAT
+// surveillance-resistant invariant is LOCKED true (A-311: OY-SAT is
+// surveillance-resistant by design, matching OY-LR). The
+// NewOYSATLink constructor sets the field from the locked const; this
+// test asserts the constructor always produces a link with
+// surveillance-resistant == true regardless of inputs.
+func TestOYSATLinkSurveillanceResistantLockedTrue(t *testing.T) {
+	// The LOCKED const must be true (A-311).
+	if !btypes.OYSATSurveillanceResistant {
+		t.Fatal("OYSATSurveillanceResistant const must be true (A-311 LOCKED)")
+	}
+	// The constructor must set surveillance-resistant true regardless of
+	// the other inputs.
+	cases := []struct {
+		satID string
+		rng   int32
+	}{
+		{"sat-1", 0},
+		{"sat-2", 5000},
+		{"", 0},
+		{"global-constellation", 0},
+	}
+	for _, c := range cases {
+		link := btypes.NewOYSATLink(c.satID, c.rng)
+		if !link.SurveillanceResistant {
+			t.Errorf("NewOYSATLink(%q,%d): SurveillanceResistant = false, want true (A-311 LOCKED)", c.satID, c.rng)
+		}
+		if link.SurveillanceResistant != btypes.OYSATSurveillanceResistant {
+			t.Errorf("NewOYSATLink(%q,%d): field != locked const (A-311)", c.satID, c.rng)
+		}
+	}
+}
+
+// TestOYSATLinkConstructorSetsFields asserts NewOYSATLink sets the
+// satellite-id and range-meters fields from the constructor args.
+func TestOYSATLinkConstructorSetsFields(t *testing.T) {
+	link := btypes.NewOYSATLink("iridium-1", 0)
+	if link.SatelliteID != "iridium-1" {
+		t.Errorf("SatelliteID = %q, want %q", link.SatelliteID, "iridium-1")
+	}
+	if link.RangeMeters != 0 {
+		t.Errorf("RangeMeters = %d, want 0", link.RangeMeters)
+	}
+	link2 := btypes.NewOYSATLink("starlink-2", 5000)
+	if link2.SatelliteID != "starlink-2" {
+		t.Errorf("SatelliteID = %q, want %q", link2.SatelliteID, "starlink-2")
+	}
+	if link2.RangeMeters != 5000 {
+		t.Errorf("RangeMeters = %d, want 5000", link2.RangeMeters)
+	}
+}
+
+// TestOYSATStillInAllBearers is the v0.3 REGRESSION test: OY-SAT must
+// still be in AllBearers() (the 6-bearer count is unchanged by the v0.3
+// extension — the BearerType enum is locked since v0.1).
+func TestOYSATStillInAllBearers(t *testing.T) {
+	bearers := btypes.AllBearers()
+	if len(bearers) != 6 {
+		t.Errorf("AllBearers() len = %d, expected 6 (no regression — D-037)", len(bearers))
+	}
+	found := false
+	for _, b := range bearers {
+		if b.Type == btypes.BearerOYSAT {
+			found = true
+			break
+		}
+	}
+	if !found {
+		t.Error("OY-SAT must be in AllBearers() (no regression — D-037)")
+	}
+}
+
+// TestOYQRStillInAllBearers is the v0.3 REGRESSION test: OY-QR must still
+// be in AllBearers() (the 6-bearer count is unchanged).
+func TestOYQRStillInAllBearers(t *testing.T) {
+	bearers := btypes.AllBearers()
+	if len(bearers) != 6 {
+		t.Errorf("AllBearers() len = %d, expected 6 (no regression — D-037)", len(bearers))
+	}
+	found := false
+	for _, b := range bearers {
+		if b.Type == btypes.BearerOYQR {
+			found = true
+			break
+		}
+	}
+	if !found {
+		t.Error("OY-QR must be in AllBearers() (no regression — D-037)")
+	}
+}
+
+// TestOYQRCodeStructFields asserts the OYQRCode struct carries all required
+// fields (qr-id, payload-bytes, consumed).
+func TestOYQRCodeStructFields(t *testing.T) {
+	q := btypes.OYQRCode{
+		QRID:         "qr-1",
+		PayloadBytes: []byte{0x01, 0x02, 0x03},
+		Consumed:     false,
+	}
+	if q.QRID != "qr-1" {
+		t.Errorf("QRID = %q", q.QRID)
+	}
+	if len(q.PayloadBytes) != 3 {
+		t.Errorf("PayloadBytes len = %d, want 3", len(q.PayloadBytes))
+	}
+	if q.Consumed {
+		t.Error("Consumed should be false for a fresh QR")
+	}
+}
+
+// TestOYQRCodeMarkConsumedFlipsFlag asserts MarkConsumed sets the consumed
+// flag to true (A-311: OY-QR is one-shot).
+func TestOYQRCodeMarkConsumedFlipsFlag(t *testing.T) {
+	q := btypes.OYQRCode{QRID: "qr-1", PayloadBytes: []byte{0x01}, Consumed: false}
+	if q.Consumed {
+		t.Fatal("fresh QR should have Consumed == false")
+	}
+	q.MarkConsumed()
+	if !q.Consumed {
+		t.Error("MarkConsumed should set Consumed = true (A-311 one-shot)")
+	}
+}
+
+// TestOYQRCodeMarkConsumedIdempotent asserts double-consume is idempotent
+// (A-311: calling MarkConsumed on an already-consumed QR is a no-op, not an
+// error). This locks the one-shot semantics: a QR cannot be unconsumed, and
+// double-marking is safe.
+func TestOYQRCodeMarkConsumedIdempotent(t *testing.T) {
+	q := btypes.OYQRCode{QRID: "qr-1", PayloadBytes: []byte{0x01}, Consumed: false}
+	// First consume: false -> true.
+	q.MarkConsumed()
+	if !q.Consumed {
+		t.Fatal("first MarkConsumed failed: Consumed still false")
+	}
+	// Second consume: idempotent no-op (stays true, no error, no panic).
+	q.MarkConsumed()
+	if !q.Consumed {
+		t.Error("second MarkConsumed should be idempotent; Consumed must stay true (A-311)")
+	}
+	// Third consume: still idempotent.
+	q.MarkConsumed()
+	if !q.Consumed {
+		t.Error("third MarkConsumed should be idempotent; Consumed must stay true (A-311)")
+	}
+}
+
+// TestOYQRCodeConsumedCannotBeCleared asserts the one-shot semantics: once
+// consumed is true, there is no method to clear it (the struct field can be
+// set directly, but the API provides no Unmark/Reset — A-311 locks the
+// one-shot invariant). This test verifies no Unmark/Reset method exists by
+// confirming MarkConsumed is the only state-mutating method (the struct is
+// a plain data type; the invariant is enforced by the API surface, not a
+// private field — matching the v0.2 OYLRLink/BeaconFrame shape approach).
+func TestOYQRCodeConsumedCannotBeCleared(t *testing.T) {
+	q := btypes.OYQRCode{QRID: "qr-1", Consumed: false}
+	q.MarkConsumed()
+	if !q.Consumed {
+		t.Fatal("MarkConsumed failed")
+	}
+	// The one-shot invariant: there is no UnmarkConsumed/Reset method on
+	// OYQRCode. The struct is a plain data type; the API surface (only
+	// MarkConsumed) enforces the one-way transition. We assert the method
+	// set by confirming MarkConsumed does not flip back to false.
+	q.MarkConsumed() // idempotent
+	if !q.Consumed {
+		t.Error("Consumed flipped back to false — one-shot invariant broken (A-311)")
+	}
+}
+
+// TestOYQRCodeZeroValue asserts the zero-value OYQRCode has Consumed ==
+// false (a fresh QR is unconsumed).
+func TestOYQRCodeZeroValue(t *testing.T) {
+	var q btypes.OYQRCode
+	if q.Consumed {
+		t.Error("zero-value OYQRCode should have Consumed == false")
+	}
+	if q.QRID != "" {
+		t.Errorf("zero-value QRID = %q, want empty", q.QRID)
+	}
+}
+
+// packageDir resolves a Go import path to its filesystem directory by
+// walking up from this test file (v0.2 skeleton has zero external deps).
+func packageDir(t *testing.T, importPath string) string {
+	t.Helper()
+	_, file, _, ok := runtime.Caller(0)
+	if !ok {
+		t.Fatal("runtime.Caller failed")
+	}
+	// file = .../oy/x/bearers/types/types_test.go -> repoRoot = .../oy (4 dirs up)
+	repoRoot := filepath.Dir(filepath.Dir(filepath.Dir(filepath.Dir(file))))
+	rel := strings.TrimPrefix(importPath, "github.com/oy/openyield/")
+	return filepath.Join(repoRoot, rel)
+}

x/bloom/types/types.go

@@ -36,7 +36,7 @@ type BloomBoosterBucket struct {
 	UnlockHeight int64  `json:"unlock_height" yaml:"unlock_height"`
 }
 
-// BloomSource defines where Bloom originates (§6: only from real yield)
+// BloomSource defines where Bloom originates (§6: only from real production)
 type BloomSource string
 
 const (
@@ -46,10 +46,10 @@ const (
 	BloomFromRwaCashflow BloomSource = "RwaCashflow"
 )
 
-// MissionLockBloom: Bloom originates ONLY from real yield (§6)
+// MissionLockBloom: Bloom originates ONLY from real production (§6)
 // No synthetic Bloom. No protocol-printed Bloom.
 // This is a Mission Lock — no Council vote can change it.
-const MissionLockBloom = "Bloom originates only from real yield. No synthetic Bloom. No protocol-printed Bloom."
+const MissionLockBloom = "Bloom originates only from real production. No synthetic Bloom. No protocol-printed Bloom."
 
 type Params struct {
 	TargetRateBps uint32 `json:"target_rate_bps" yaml:"target_rate_bps"`

x/bond/keeper/clob.go

@@ -0,0 +1,286 @@
+package keeper
+
+// clob.go holds the CLOB (central-limit order book) matching engine for the
+// bond secondary market (P6-02-01, REQ-038, D-057 — price-time priority FCFS
+// per REQ-007; NO AMM — D-057/A-564).
+//
+// The CLOB engine is PER-TX matching (dYdX-v4-shaped, no batch end-of-block
+// matching in v0.5 simtest — D-054). The handler loads the resting book for
+// the bond, sorts by (price, sequence) for price-time priority, and matches
+// the incoming taker against the best opposing price until filled or the
+// book is empty.
+//
+// G-019 BINDING: this file defines the SINGLE ImpliedCoupon(priceBps,
+// principal) helper used by BOTH the CLOB match and the per-match clamp
+// check (D-063). The "implied coupon" derivation from trade price (fraction
+// of principal in bps) is the unstated precondition of the D-063 REJECT
+// threshold; a single helper + boundary unit test (800/801/799 bps) closes
+// the formula ambiguity.
+//
+// D-063/A-562: a match whose ImpliedCoupon EXCEEDS 800 bps is REJECTED
+// (fails closed — the resting order stays, the incoming order rests or is
+// cancelled; no refund path). The 8% cap is a Mission-Lock invariant (D-028),
+// not a soft cap. Matches within [0, 800] use Clamp (in-band, no refund
+// needed).
+//
+// The 8%/0% consts (CouponCapBps=800 / CouponFloorBps=0, D-028) are
+// referenced DIRECTLY from x/bond/types (same package — NOT a local copy;
+// A-563). The REQ-030 cross-const test stays green.
+//
+// Lexicon (REQ-012, A-210): the coupon vocabulary is used EXCLUSIVELY. The
+// banned coupon-synonyms are NEVER used.
+//
+// FEATURE PURITY GATE: the v0.3 types.SecondaryOrder struct is FROZEN (it
+// has PriceGrain int64, no PriceBps or QuantityGrain). To avoid amending the
+// v0.3 types/ contract, the CLOB book uses a keeper-internal restingOrder
+// struct carrying the price-bps + remaining quantity (the runtime book
+// state). The restingOrder embeds the public SecondaryOrder (the v0.3
+// contract is preserved) PLUS the keeper-internal book fields. This is the
+// "runtime adds behavior on top, not changes to the contract" pattern.
+
+import (
+	"sort"
+
+	sdk "github.com/cosmos/cosmos-sdk/types"
+
+	"github.com/oy/openyield/x/bond/types"
+)
+
+// restingOrder is the in-keeper book entry for a resting secondary-market
+// order. It carries the public SecondaryOrder (the v0.3 type — frozen, not
+// amended, per the feature purity gate) PLUS the keeper-internal price-bps
+// and remaining-quantity and sequence for price-time priority FCFS
+// (REQ-007). The price-bps, remaining-quantity, and sequence are keeper-
+// internal concerns (NOT types/ contract fields); adding them here keeps
+// the v0.3 types/ contract unchanged (feature purity gate — no breaking
+// schema changes).
+type restingOrder struct {
+	// Order is the public v0.3 SecondaryOrder (frozen contract). Carries
+	// OrderID, BondID, Side, PriceGrain, HolderReachID, Status, CreatedAt.
+	Order types.SecondaryOrder `json:"order" yaml:"order"`
+	// PriceBps is the order price in basis points (the price as a fraction
+	// of principal in bps — this is the implied coupon of a match at this
+	// price; the CLOB matching engine's ImpliedCoupon helper derives the
+	// per-match implied coupon from the resting order's price-bps, G-019).
+	// Keeper-internal (the v0.3 SecondaryOrder has PriceGrain int64, not
+	// PriceBps; the runtime uses PriceBps for the CLOB match).
+	PriceBps uint32 `json:"price_bps" yaml:"price_bps"`
+	// Sequence is the price-time-priority ordering key (monotonic; lower
+	// sequence = earlier resting order = fills first at the same price —
+	// REQ-007 FCFS).
+	Sequence uint64 `json:"sequence" yaml:"sequence"`
+	// RemainingQuantityGrain is the unfilled quantity of the order (a
+	// resting order may be partially filled by an earlier match; the
+	// remaining quantity is what later takers can match against).
+	RemainingQuantityGrain int64 `json:"remaining_quantity_grain" yaml:"remaining_quantity_grain"`
+}
+
+// ImpliedCoupon is the G-019 BINDING helper: it derives the implied coupon
+// (in basis points) of a trade at the given price-bps against the principal.
+// The implied coupon is the fraction of principal the trade price represents,
+// expressed in bps: a price of 10000 bps (100% of principal) implies a 0-bps
+// coupon (par); a price of 9500 bps (95% of principal, a discount) implies a
+// 500-bps coupon (the buyer pays 95% of principal and receives the full
+// principal at maturity, earning a 500-bps coupon).
+//
+// The formula: impliedCouponBps = max(0, 10000 - priceBps).
+//   - priceBps == 10000 (par) -> impliedCoupon 0 (no discount, no coupon).
+//   - priceBps < 10000 (discount) -> impliedCoupon = 10000 - priceBps (the
+//     discount is the implied coupon).
+//   - priceBps > 10000 (premium) -> the discount is negative; the implied
+//     coupon is floored at 0 (a premium bond has a 0 implied coupon — the
+//     buyer pays MORE than principal, so the implied coupon is 0, not
+//     negative).
+//
+// The principal argument is accepted for signature compatibility with the
+// plan text (G-019: "ImpliedCoupon(priceBps, principal)") but does not
+// affect the implied-coupon derivation for a fixed-coupon bond (the coupon
+// is the discount-from-par in bps, independent of the principal amount).
+// It is retained so a future v0.6+ amortization model can use it.
+//
+// G-019 boundary: the D-063 REJECT threshold is 800 bps. A match whose
+// ImpliedCoupon exceeds 800 (price-bps < 9200 — a discount greater than
+// 800 bps) is REJECTED (fails closed). The boundary unit test in
+// msg_server_simtest_test.go covers:
+//   - price-bps 9200 -> ImpliedCoupon 800 (== cap, in-band, clears via Clamp).
+//   - price-bps 9199 -> ImpliedCoupon 801 (> cap, REJECTED — D-063).
+//   - price-bps 9201 -> ImpliedCoupon 799 (< cap, in-band, clears).
+func ImpliedCoupon(priceBps uint32, principalGrain int64) uint32 {
+	_ = principalGrain // retained for G-019 signature compatibility; unused
+	// at v0.5 (fixed-coupon bond — coupon is discount-from-par in bps).
+	if priceBps >= 10000 {
+		return 0 // par or premium -> 0 implied coupon (floored at 0)
+	}
+	return 10000 - priceBps // discount -> the discount is the implied coupon
+}
+
+// --- CLOB matching engine ----------------------------------------------------
+//
+// matchTaker attempts to match an incoming taker order against the resting
+// book for the given bond. Price-time priority FCFS per REQ-007:
+//   - Buy taker matches against Sell resting orders with price-bps <= the
+//     taker's price-bps, best (lowest) price first, then earliest sequence.
+//   - Sell taker matches against Buy resting orders with price-bps >= the
+//     taker's price-bps, best (highest) price first, then earliest sequence.
+//
+// Per D-063/A-562: every match's ImpliedCoupon is computed from the resting
+// order's price-bps; a match whose ImpliedCoupon EXCEEDS 800 bps is REJECTED
+// (fails closed). The rejection is PER-MATCH (not per-taker): if the best
+// resting order is above cap, that match is rejected, the resting order
+// stays on the book, and the taker does NOT advance to the next resting order
+// (fails closed — the taker is rejected; the resting book above cap is
+// unreachable). This is the mission-lock-true choice: the 8% cap is a hard
+// invariant, not a soft cap.
+//
+// Returns the total filled quantity, the list of filled order-ids (for
+// event emission), and a boolean indicating whether a per-match REJECT
+// occurred (D-063 — when true, no match occurred for the offending resting
+// order; the resting book is unchanged; the caller reports the reject).
+func (k Keeper) matchTaker(
+	ctx sdk.Context,
+	bondID string,
+	takerSide types.OrderSide,
+	takerPriceBps uint32,
+	takerQuantityGrain int64,
+) (filledQuantityGrain int64, filledOrderIDs []string, rejected bool) {
+	// Load the resting book for the bond.
+	resting := k.restingBookForBond(ctx, bondID)
+	// Sort for price-time priority.
+	sortRestingBook(resting, takerSide)
+
+	remaining := takerQuantityGrain
+	filledOrderIDs = []string{}
+
+	for i := range resting {
+		if remaining <= 0 {
+			break
+		}
+		ro := &resting[i]
+		if ro.Order.Status != types.OrderOpen {
+			continue // skip non-resting (defensive — the book holds Open only)
+		}
+		// Price check: does this resting order's price satisfy the taker?
+		if !priceCrosses(takerSide, takerPriceBps, ro.PriceBps) {
+			// The book is sorted best-price-first; once the price does not
+			// cross, no later (worse-price) resting order will cross. Stop.
+			break
+		}
+		// D-063 per-match coupon clamp (G-019 ImpliedCoupon helper). The
+		// implied coupon is derived from the RESTING order's price-bps
+		// (the price at which the match executes). A match above 800 bps
+		// is REJECTED (fails closed — the resting order stays, the taker
+		// does not advance).
+		implied := ImpliedCoupon(ro.PriceBps, 0)
+		if implied > types.CouponCapBps {
+			// D-063 REJECT: the resting order stays on the book; the taker
+			// is rejected (fails closed — no refund path, no advance to
+			// the next resting order).
+			return filledQuantityGrain, filledOrderIDs, true
+		}
+		// In-band match (implied coupon within [0, 800]). Clamp it (the
+		// 8% cap is the firewall; Clamp is the helper — defense in depth,
+		// though ImpliedCoupon <= 800 here so Clamp is a no-op).
+		clampedCoupon := types.Clamp(implied)
+		// Determine the fill quantity (the smaller of the taker's
+		// remaining quantity and the resting order's remaining quantity).
+		fill := remaining
+		if ro.RemainingQuantityGrain < fill {
+			fill = ro.RemainingQuantityGrain
+		}
+		// Update the resting order's remaining quantity.
+		ro.RemainingQuantityGrain -= fill
+		remaining -= fill
+		filledQuantityGrain += fill
+		filledOrderIDs = append(filledOrderIDs, ro.Order.OrderID)
+		// If the resting order is fully filled, mark it Filled and delete
+		// it from the book; otherwise persist the updated remaining.
+		if ro.RemainingQuantityGrain <= 0 {
+			ro.Order.Status = types.OrderFilled
+			k.deleteRestingOrder(ctx, ro.Order.OrderID)
+		} else {
+			k.setRestingOrder(ctx, *ro)
+		}
+		// Emit a match event with the clamped coupon for simtest assertion.
+		emitMatchEvent(ctx, ro.Order.OrderID, bondID, clampedCoupon, fill)
+	}
+	return filledQuantityGrain, filledOrderIDs, false
+}
+
+// restingBookForBond loads all resting orders for a given bond-id (the CLOB
+// book for that bond). The book is unordered here; matchTaker sorts it for
+// price-time priority.
+func (k Keeper) restingBookForBond(ctx sdk.Context, bondID string) []restingOrder {
+	all := k.AllRestingOrders(ctx)
+	out := make([]restingOrder, 0, len(all))
+	for _, ro := range all {
+		if ro.Order.BondID == bondID && ro.Order.Status == types.OrderOpen {
+			out = append(out, ro)
+		}
+	}
+	return out
+}
+
+// sortRestingBook sorts the resting book for price-time priority FCFS
+// (REQ-007). For a Buy taker (matching against Sell resting orders), the
+// best price is the LOWEST Sell price (cheapest to buy); for a Sell taker
+// (matching against Buy resting orders), the best price is the HIGHEST Buy
+// price (most expensive to sell to). Ties at the same price are broken by
+// sequence (earlier sequence fills first — FCFS).
+func sortRestingBook(book []restingOrder, takerSide types.OrderSide) {
+	if takerSide == types.OrderBuy {
+		// Buy taker: sort Sell resting orders by ascending price, then
+		// ascending sequence (best price = lowest; FCFS at same price).
+		sort.SliceStable(book, func(i, j int) bool {
+			if book[i].PriceBps != book[j].PriceBps {
+				return book[i].PriceBps < book[j].PriceBps
+			}
+			return book[i].Sequence < book[j].Sequence
+		})
+	} else {
+		// Sell taker: sort Buy resting orders by descending price, then
+		// ascending sequence (best price = highest; FCFS at same price).
+		sort.SliceStable(book, func(i, j int) bool {
+			if book[i].PriceBps != book[j].PriceBps {
+				return book[i].PriceBps > book[j].PriceBps
+			}
+			return book[i].Sequence < book[j].Sequence
+		})
+	}
+}
+
+// priceCrosses reports whether the taker's price satisfies the resting
+// order's price (a match can execute). For a Buy taker, the taker's price-
+// bps must be >= the resting Sell's price-bps (the buyer will pay up to
+// takerPriceBps; the seller asked for restingPriceBps; if taker >= resting,
+// the price crosses). For a Sell taker, the taker's price-bps must be <=
+// the resting Buy's price-bps (the seller will accept as low as
+// takerPriceBps; the buyer bid restingPriceBps; if taker <= resting, the
+// price crosses).
+func priceCrosses(takerSide types.OrderSide, takerPriceBps, restingPriceBps uint32) bool {
+	if takerSide == types.OrderBuy {
+		return takerPriceBps >= restingPriceBps
+	}
+	return takerPriceBps <= restingPriceBps
+}
+
+// emitMatchEvent emits a per-match event for simtest assertion. The event
+// carries the resting order-id, the bond-id, the clamped matched coupon
+// (within [0, 800] bps — D-063 in-band), and the fill quantity.
+//
+// NOTE: emitMatchEvent is called from matchTaker, which is a Keeper method
+// (not on msgServer). The ctx is the sdk.Context passed to matchTaker. This
+// helper is defined here (not in msg_server.go) so the CLOB engine is
+// self-contained.
+func emitMatchEvent(ctx sdk.Context, restingOrderID, bondID string, matchedCouponBps uint32, fillQuantityGrain int64) {
+	// Avoid importing sdk event helpers in clob.go to keep the import list
+	// lean; delegate to the msg_server.go helper via a function variable.
+	// (The simtest asserts events via ctx.EventManager().Events().)
+	if emitMatchEventHook != nil {
+		emitMatchEventHook(ctx, restingOrderID, bondID, matchedCouponBps, fillQuantityGrain)
+	}
+}
+
+// emitMatchEventHook is set by msg_server.go (which imports sdk event
+// helpers). This indirection keeps clob.go's import list minimal (sort +
+// types only) and avoids a circular dependency on the sdk event package.
+var emitMatchEventHook func(ctx sdk.Context, restingOrderID, bondID string, matchedCouponBps uint32, fillQuantityGrain int64)

x/bond/keeper/keeper.go

@@ -0,0 +1,261 @@
+package keeper
+
+// keeper.go holds the store-backed Keeper for the bond module's market
+// runtime (P6-02-01, REQ-038, D-057 — CLOB price-time priority FCFS per
+// REQ-007; NO AMM — D-057/A-564).
+//
+// The Keeper wraps an sdk.KVStore via a storeKey. It holds:
+//   - the issued bonds (bond-id → Bond);
+//   - the issued GrowthBonds (bond-id → GrowthBond);
+//   - the resting secondary-market orders (the CLOB book — order-id →
+//     restingOrder, plus a per-bond price-time-priority sequence index in
+//     clob.go).
+//
+// The Keeper also holds the StandKeeper expected-keeper shim (G-003 —
+// interface, NOT a struct import of x/stand/types; the concrete stand
+// keeper satisfies it structurally; the P6 simtest wires a stub).
+//
+// The 8%/0% consts (CouponCapBps=800 / CouponFloorBps=0, D-028) are
+// referenced DIRECTLY from x/bond/types (same package — NOT a local copy;
+// A-563). The REQ-030 cross-const test (x/hub LendingCouponCapBps ==
+// x/bond CouponCapBps) stays green because the consts are unchanged.
+//
+// State-machine ordering (vision §7, enforced in every handler):
+//   ValidateBasic → keeper authz → state mutation → ctx.EventManager().EmitEvent
+//
+// D-054: simtest-grade — in-memory sdk.Context + dbm in-memory store, no
+// real IBC light clients, no real Stand keeper (the StandKeeper shim is a
+// stub), no real DEX venues. The handler is documented as NOT front-running-
+// safe for mainnet (a Year-3+ concern; the simtest does NOT assert front-
+// running safety).
+
+import (
+	"encoding/json"
+	"fmt"
+
+	storetypes "cosmossdk.io/store/types"
+	"github.com/cosmos/cosmos-sdk/codec"
+	sdk "github.com/cosmos/cosmos-sdk/types"
+
+	"github.com/oy/openyield/x/bond/types"
+)
+
+// Keeper is the store-backed bond market keeper.
+type Keeper struct {
+	cdc         codec.Codec
+	storeKey    storetypes.StoreKey
+	standKeeper types.StandKeeper
+	seq         uint64 // monotonic sequence for price-time priority (CLOB)
+}
+
+// NewKeeper constructs a new store-backed bond Keeper. The StandKeeper
+// expected-keeper shim is injected (nil-able for partial tests; the
+// IssueBond / IssueGrowthBond handlers guard a nil shim and skip the
+// StandExists check, still mutating state — the simtest wiring documents
+// this).
+func NewKeeper(cdc codec.Codec, storeKey storetypes.StoreKey, sk types.StandKeeper) Keeper {
+	return Keeper{
+		cdc:         cdc,
+		storeKey:    storeKey,
+		standKeeper: sk,
+	}
+}
+
+// SetStandKeeper sets the StandKeeper expected-keeper shim (for post-
+// construction wiring, e.g., app wiring or test setup).
+func (k *Keeper) SetStandKeeper(sk types.StandKeeper) { k.standKeeper = sk }
+
+// StoreKey returns the keeper's store key (exported for simtest access to
+// the raw KVStore for corrupt-byte injection in marshal-error coverage
+// paths).
+func (k Keeper) StoreKey() storetypes.StoreKey { return k.storeKey }
+
+// nextSequence returns the next monotonic sequence number for price-time
+// priority ordering on the CLOB book (REQ-007 FCFS — earlier resting orders
+// have lower sequence numbers and fill first at the same price). The
+// sequence is monotonically increasing across all orders in the keeper's
+// lifetime (simtest grade — not persisted across restarts; a live chain would
+// persist the sequence in the store).
+func (k *Keeper) nextSequence() uint64 {
+	k.seq++
+	return k.seq
+}
+
+// --- Bond store --------------------------------------------------------------
+
+var bondKeyPrefix = []byte("bond/")
+
+func bondKey(bondID string) []byte {
+	return append(bondKeyPrefix, []byte(bondID)...)
+}
+
+// GetBond loads an issued Bond by bond-id. Returns the Bond and true if
+// found, or zero value + false if not.
+func (k Keeper) GetBond(ctx sdk.Context, bondID string) (types.Bond, bool) {
+	store := ctx.KVStore(k.storeKey)
+	bz := store.Get(bondKey(bondID))
+	if bz == nil {
+		return types.Bond{}, false
+	}
+	var b types.Bond
+	if err := json.Unmarshal(bz, &b); err != nil {
+		return types.Bond{}, false
+	}
+	return b, true
+}
+
+// SetBond persists an issued Bond by bond-id.
+func (k Keeper) SetBond(ctx sdk.Context, b types.Bond) {
+	store := ctx.KVStore(k.storeKey)
+	bz, err := json.Marshal(b)
+	if err != nil {
+		panic(fmt.Sprintf("bond: marshal bond %q: %v", b.BondID, err))
+	}
+	store.Set(bondKey(b.BondID), bz)
+}
+
+// AllBonds returns all issued Bonds (iteration helper, unordered).
+func (k Keeper) AllBonds(ctx sdk.Context) []types.Bond {
+	store := ctx.KVStore(k.storeKey)
+	iterator := store.Iterator(bondKeyPrefix, prefixEnd(bondKeyPrefix))
+	defer iterator.Close()
+	out := []types.Bond{}
+	for ; iterator.Valid(); iterator.Next() {
+		var b types.Bond
+		if err := json.Unmarshal(iterator.Value(), &b); err == nil {
+			out = append(out, b)
+		}
+	}
+	return out
+}
+
+// --- GrowthBond store --------------------------------------------------------
+
+var growthBondKeyPrefix = []byte("growth/")
+
+func growthBondKey(bondID string) []byte {
+	return append(growthBondKeyPrefix, []byte(bondID)...)
+}
+
+// GetGrowthBond loads an issued GrowthBond by bond-id. Returns the GrowthBond
+// and true if found, or zero value + false if not.
+func (k Keeper) GetGrowthBond(ctx sdk.Context, bondID string) (types.GrowthBond, bool) {
+	store := ctx.KVStore(k.storeKey)
+	bz := store.Get(growthBondKey(bondID))
+	if bz == nil {
+		return types.GrowthBond{}, false
+	}
+	var gb types.GrowthBond
+	if err := json.Unmarshal(bz, &gb); err != nil {
+		return types.GrowthBond{}, false
+	}
+	return gb, true
+}
+
+// SetGrowthBond persists an issued GrowthBond by bond-id.
+func (k Keeper) SetGrowthBond(ctx sdk.Context, gb types.GrowthBond) {
+	store := ctx.KVStore(k.storeKey)
+	bz, err := json.Marshal(gb)
+	if err != nil {
+		panic(fmt.Sprintf("bond: marshal growth bond %q: %v", gb.BondID, err))
+	}
+	store.Set(growthBondKey(gb.BondID), bz)
+}
+
+// AllGrowthBonds returns all issued GrowthBonds (iteration helper, unordered).
+func (k Keeper) AllGrowthBonds(ctx sdk.Context) []types.GrowthBond {
+	store := ctx.KVStore(k.storeKey)
+	iterator := store.Iterator(growthBondKeyPrefix, prefixEnd(growthBondKeyPrefix))
+	defer iterator.Close()
+	out := []types.GrowthBond{}
+	for ; iterator.Valid(); iterator.Next() {
+		var gb types.GrowthBond
+		if err := json.Unmarshal(iterator.Value(), &gb); err == nil {
+			out = append(out, gb)
+		}
+	}
+	return out
+}
+
+// --- Order store (CLOB resting book) -----------------------------------------
+//
+// The resting book is keyed by order-id → restingOrder (the in-keeper book
+// entry carrying the order + its price-time-priority sequence). The CLOB
+// matching engine (clob.go) loads all resting orders for a bond, sorts them
+// by (price, sequence) for price-time priority FCFS, and matches the
+// incoming taker against the best opposing price until filled or the book
+// is empty.
+
+var orderKeyPrefix = []byte("order/")
+
+func orderKey(orderID string) []byte {
+	return append(orderKeyPrefix, []byte(orderID)...)
+}
+
+// GetRestingOrder loads a resting order by order-id. Returns the order and
+// true if found, or zero value + false if not.
+func (k Keeper) GetRestingOrder(ctx sdk.Context, orderID string) (restingOrder, bool) {
+	store := ctx.KVStore(k.storeKey)
+	bz := store.Get(orderKey(orderID))
+	if bz == nil {
+		return restingOrder{}, false
+	}
+	var o restingOrder
+	if err := json.Unmarshal(bz, &o); err != nil {
+		return restingOrder{}, false
+	}
+	return o, true
+}
+
+// setRestingOrder persists a resting order by order-id.
+func (k Keeper) setRestingOrder(ctx sdk.Context, o restingOrder) {
+	store := ctx.KVStore(k.storeKey)
+	bz, err := json.Marshal(o)
+	if err != nil {
+		panic(fmt.Sprintf("bond: marshal order %q: %v", o.Order.OrderID, err))
+	}
+	store.Set(orderKey(o.Order.OrderID), bz)
+}
+
+// deleteRestingOrder removes a resting order by order-id.
+func (k Keeper) deleteRestingOrder(ctx sdk.Context, orderID string) {
+	store := ctx.KVStore(k.storeKey)
+	store.Delete(orderKey(orderID))
+}
+
+// AllRestingOrders returns all resting orders (iteration helper, unordered).
+// Exported for simtest assertion.
+func (k Keeper) AllRestingOrders(ctx sdk.Context) []restingOrder {
+	store := ctx.KVStore(k.storeKey)
+	iterator := store.Iterator(orderKeyPrefix, prefixEnd(orderKeyPrefix))
+	defer iterator.Close()
+	out := []restingOrder{}
+	for ; iterator.Valid(); iterator.Next() {
+		var o restingOrder
+		if err := json.Unmarshal(iterator.Value(), &o); err == nil {
+			out = append(out, o)
+		}
+	}
+	return out
+}
+
+// --- prefixEnd helper --------------------------------------------------------
+
+// prefixEnd returns the key that sorts immediately after all keys sharing
+// the given prefix (the standard prefix-iteration end key: increment the
+// last byte, drop overflow). Mirrors x/hub/keeper/keeper.go.
+func prefixEnd(prefix []byte) []byte {
+	if len(prefix) == 0 {
+		return nil
+	}
+	end := make([]byte, len(prefix))
+	copy(end, prefix)
+	for i := len(end) - 1; i >= 0; i-- {
+		end[i]++
+		if end[i] != 0 {
+			return end
+		}
+	}
+	// All bytes were 0xFF; return nil (iterate to end of store).
+	return nil
+}

x/bond/keeper/msg_server.go

@@ -0,0 +1,428 @@
+package keeper
+
+// msg_server.go implements the bond module's MsgServer (P6-02-01, REQ-038;
+// G-023 ownership split: cosmos-engineer scaffolds the file structure +
+// method signatures; backend-engineer implements the handler logic bodies;
+// security-engineer reviews the CLOB per-match clamp D-063 + the 8%/0%
+// const firewall A-563). The MsgServer wraps the Keeper + the StandKeeper
+// expected-keeper shim (already on the Keeper).
+//
+// Each method returns a (*Response, error). Handler state-machine ordering
+// is enforced: ValidateBasic → keeper authz → state mutation →
+// ctx.EventManager().EmitEvent.
+//
+// Handler set (REQ-038):
+//   - IssueBond: invokes v0.3 Clamp on the coupon at issuance (the clamped
+//     value is recorded, NOT the original). StandKeeper shim validates the
+//     issuer-stand-id exists (P1-02-01 stand-id-ref edge).
+//   - IssueGrowthBond: invokes Clamp on the coupon + ClampGrowth on the
+//     growth-rate (post-growth coupon <= cap, G-012).
+//   - TickGrowthBond: applies one growth tick (coupon += growth-rate, then
+//     clamped so post-growth <= cap via ClampGrowth with currentBps = the
+//     current coupon).
+//   - PlaceSecondaryOrder: rests a secondary-market order on the CLOB book
+//     (price-time priority FCFS per REQ-007; NO AMM — D-057).
+//   - CancelSecondaryOrder: removes a resting order (status -> Cancelled).
+//   - MatchSecondaryOrder: CLOB match against the resting book (per-tx
+//     matching, dYdX-v4-shaped); per-match coupon clamp via the G-019
+//     ImpliedCoupon helper; D-063 REJECT above 800 (fails closed).
+//
+// Nil-shim behavior (simtest wiring): a nil StandKeeper shim skips the
+// StandExists check (the handler still mutates state — the simtest documents
+// the wiring contract). The 8%/0% consts are referenced directly from
+// x/bond/types (same package — NOT a local copy; A-563); the REQ-030
+// cross-const test stays green.
+//
+// The handler is documented as NOT front-running-safe for mainnet (a
+// Year-3+ concern; the simtest does NOT assert front-running safety — D-054).
+
+import (
+	"fmt"
+
+	sdk "github.com/cosmos/cosmos-sdk/types"
+
+	"github.com/oy/openyield/x/bond/types"
+)
+
+// init wires the emitMatchEventHook so the CLOB engine (clob.go) emits
+// sdk events via the keeper's ctx without importing the sdk event helpers
+// in clob.go (keeps clob.go's import list minimal).
+func init() {
+	emitMatchEventHook = func(ctx sdk.Context, restingOrderID, bondID string, matchedCouponBps uint32, fillQuantityGrain int64) {
+		ctx.EventManager().EmitEvent(sdk.NewEvent(
+			"bond.match",
+			sdk.NewAttribute("resting_order_id", restingOrderID),
+			sdk.NewAttribute("bond_id", bondID),
+			sdk.NewAttribute("matched_coupon_bps", fmt.Sprintf("%d", matchedCouponBps)),
+			sdk.NewAttribute("fill_quantity_grain", fmt.Sprintf("%d", fillQuantityGrain)),
+		))
+	}
+}
+
+// msgServer is the concrete MsgServer implementation wrapping the Keeper.
+type msgServer struct {
+	Keeper
+}
+
+// NewMsgServerImpl returns the bond MsgServer for the provided Keeper.
+func NewMsgServerImpl(k Keeper) types.MsgServer {
+	return &msgServer{Keeper: k}
+}
+
+var _ types.MsgServer = msgServer{}
+
+// unwrapCtx extracts the sdk.Context from the interface-typed ctx.
+func unwrapCtx(ctx interface{}) sdk.Context {
+	if c, ok := ctx.(sdk.Context); ok {
+		return c
+	}
+	panic(fmt.Sprintf("bond: expected sdk.Context, got %T", ctx))
+}
+
+// --- IssueBond ---------------------------------------------------------------
+
+// IssueBond issues a fixed-coupon Bond (REQ-038). The handler enforces:
+//  1. ValidateBasic (stateless).
+//  2. Idempotency: bond-id must not already exist.
+//  3. StandKeeper shim: the issuer-stand-id must reference an existing
+//     Stand (P1-02-01 stand-id-ref edge). A nil shim skips this check
+//     (simtest wiring); a non-nil shim that returns false REJECTS the
+//     issuance (the bond is not created).
+//  4. Coupon clamp: the coupon-bps is CLAMPED to [CouponFloorBps=0,
+//     CouponCapBps=800] at runtime via the v0.3 Clamp helper (A-563 —
+//     defense in depth; ValidateBasic already rejected out-of-band, but the
+//     handler re-clamps to defend against any future cap change).
+//
+// On success the Bond is persisted with the clamped coupon and an event is
+// emitted.
+func (s msgServer) IssueBond(ctx interface{}, msg *types.MsgIssueBond) (*types.MsgIssueBondResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	// Idempotency: bond-id must not already exist.
+	if _, ok := s.Keeper.GetBond(sdkCtx, msg.BondID); ok {
+		return nil, fmt.Errorf("bond: bond-id %q already exists", msg.BondID)
+	}
+
+	// StandKeeper: issuer-stand-id must reference an existing Stand (P1-02-01
+	// edge). A nil shim skips the check (simtest wiring); a non-nil shim that
+	// returns false REJECTS the issuance.
+	if s.Keeper.standKeeper != nil {
+		if !s.Keeper.standKeeper.StandExists(msg.IssuerStandID) {
+			return nil, fmt.Errorf("bond: issuer-stand-id %q does not exist (IssueBond rejected)", msg.IssuerStandID)
+		}
+	}
+
+	// A-563: coupon clamp at runtime. The clamped value (NOT the original)
+	// is recorded. ValidateBasic already rejected out-of-band, so Clamp is
+	// a no-op here; the re-clamp is defense in depth against any future cap
+	// change.
+	clamped := types.Clamp(msg.CouponBps)
+	b := types.Issue(msg.BondID, msg.IssuerStandID, msg.PrincipalGrain, clamped, msg.TermDays, msg.IssuedAt, msg.Maturity)
+	s.Keeper.SetBond(sdkCtx, b)
+
+	if clamped != msg.CouponBps {
+		sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+			"bond.coupon_clamped",
+			sdk.NewAttribute("bond_id", msg.BondID),
+			sdk.NewAttribute("original_coupon_bps", fmt.Sprintf("%d", msg.CouponBps)),
+			sdk.NewAttribute("clamped_coupon_bps", fmt.Sprintf("%d", clamped)),
+		))
+	}
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bond.issued",
+		sdk.NewAttribute("bond_id", msg.BondID),
+		sdk.NewAttribute("issuer_stand_id", msg.IssuerStandID),
+		sdk.NewAttribute("coupon_bps", fmt.Sprintf("%d", clamped)),
+	))
+	return &types.MsgIssueBondResponse{ClampedCouponBps: clamped}, nil
+}
+
+// --- IssueGrowthBond ---------------------------------------------------------
+
+// IssueGrowthBond issues a GrowthBond (REQ-038). The handler enforces:
+//  1. ValidateBasic (stateless).
+//  2. Idempotency: bond-id must not already exist (as a Bond or GrowthBond).
+//  3. StandKeeper shim: the issuer-stand-id must reference an existing
+//     Stand (P1-02-01 edge). A nil shim skips (simtest wiring).
+//  4. Coupon clamp + growth clamp: the coupon is CLAMPED to [0, 800] via
+//     Clamp, and the growth-rate is CLAMPED via ClampGrowth so post-growth
+//     coupon <= cap (G-012).
+//
+// On success the GrowthBond is persisted with the clamped coupon + clamped
+// growth-rate and an event is emitted.
+func (s msgServer) IssueGrowthBond(ctx interface{}, msg *types.MsgIssueGrowthBond) (*types.MsgIssueGrowthBondResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	// Idempotency: bond-id must not already exist (as Bond or GrowthBond).
+	if _, ok := s.Keeper.GetBond(sdkCtx, msg.BondID); ok {
+		return nil, fmt.Errorf("bond: bond-id %q already exists (as a Bond)", msg.BondID)
+	}
+	if _, ok := s.Keeper.GetGrowthBond(sdkCtx, msg.BondID); ok {
+		return nil, fmt.Errorf("bond: bond-id %q already exists (as a GrowthBond)", msg.BondID)
+	}
+
+	// StandKeeper: issuer-stand-id must reference an existing Stand.
+	if s.Keeper.standKeeper != nil {
+		if !s.Keeper.standKeeper.StandExists(msg.IssuerStandID) {
+			return nil, fmt.Errorf("bond: issuer-stand-id %q does not exist (IssueGrowthBond rejected)", msg.IssuerStandID)
+		}
+	}
+
+	// Coupon clamp + growth clamp. The v0.3 IssueGrowth helper clamps the
+	// coupon via Clamp and the growth-rate via ClampGrowth (G-012).
+	clampedCoupon := types.Clamp(msg.CouponBps)
+	clampedGrowth := types.ClampGrowth(clampedCoupon, msg.GrowthRateBps)
+	gb := types.IssueGrowth(msg.BondID, msg.IssuerStandID, msg.PrincipalGrain, clampedCoupon, clampedGrowth, msg.TermDays, msg.IssuedAt, msg.Maturity)
+	s.Keeper.SetGrowthBond(sdkCtx, gb)
+
+	if clampedCoupon != msg.CouponBps || clampedGrowth != msg.GrowthRateBps {
+		sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+			"bond.growth_coupon_clamped",
+			sdk.NewAttribute("bond_id", msg.BondID),
+			sdk.NewAttribute("original_coupon_bps", fmt.Sprintf("%d", msg.CouponBps)),
+			sdk.NewAttribute("clamped_coupon_bps", fmt.Sprintf("%d", clampedCoupon)),
+			sdk.NewAttribute("original_growth_rate_bps", fmt.Sprintf("%d", msg.GrowthRateBps)),
+			sdk.NewAttribute("clamped_growth_rate_bps", fmt.Sprintf("%d", clampedGrowth)),
+		))
+	}
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bond.growth_issued",
+		sdk.NewAttribute("bond_id", msg.BondID),
+		sdk.NewAttribute("issuer_stand_id", msg.IssuerStandID),
+		sdk.NewAttribute("coupon_bps", fmt.Sprintf("%d", clampedCoupon)),
+		sdk.NewAttribute("growth_rate_bps", fmt.Sprintf("%d", clampedGrowth)),
+	))
+	return &types.MsgIssueGrowthBondResponse{
+		ClampedCouponBps:     clampedCoupon,
+		ClampedGrowthRateBps: clampedGrowth,
+	}, nil
+}
+
+// --- TickGrowthBond ----------------------------------------------------------
+
+// TickGrowthBond applies one growth tick to a GrowthBond (REQ-038). The
+// handler enforces:
+//  1. ValidateBasic (stateless).
+//  2. The GrowthBond must exist.
+//  3. Growth tick: the coupon grows by the growth-rate, clamped so post-
+//     growth coupon <= CouponCapBps via ClampGrowth (with currentBps = the
+//     current coupon). The growth-rate is NOT changed (it persists across
+//     ticks).
+//
+// On success the GrowthBond's coupon is updated to the post-growth (clamped)
+// value and an event is emitted.
+func (s msgServer) TickGrowthBond(ctx interface{}, msg *types.MsgTickGrowthBond) (*types.MsgTickGrowthBondResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	gb, ok := s.Keeper.GetGrowthBond(sdkCtx, msg.BondID)
+	if !ok {
+		return nil, fmt.Errorf("bond: growth-bond %q not found (TickGrowthBond rejected)", msg.BondID)
+	}
+
+	// Growth tick: coupon += growth-rate, clamped so post-growth <= cap.
+	// ClampGrowth(currentBps=current coupon, growthBps=growth-rate) returns
+	// the additional bps the coupon can grow; post-growth coupon = current +
+	// additional, which is <= cap by ClampGrowth's G-012 guard.
+	additional := types.ClampGrowth(gb.CouponBps, gb.GrowthRateBps)
+	postGrowth := gb.CouponBps + additional
+	gb.CouponBps = postGrowth
+	s.Keeper.SetGrowthBond(sdkCtx, gb)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bond.growth_ticked",
+		sdk.NewAttribute("bond_id", msg.BondID),
+		sdk.NewAttribute("post_growth_coupon_bps", fmt.Sprintf("%d", postGrowth)),
+		sdk.NewAttribute("growth_rate_bps", fmt.Sprintf("%d", gb.GrowthRateBps)),
+	))
+	return &types.MsgTickGrowthBondResponse{PostGrowthCouponBps: postGrowth}, nil
+}
+
+// --- PlaceSecondaryOrder -----------------------------------------------------
+
+// PlaceSecondaryOrder rests a secondary-market order on the CLOB book
+// (REQ-038, D-057 — price-time priority FCFS per REQ-007; NO AMM). The
+// handler enforces:
+//  1. ValidateBasic (stateless).
+//  2. Idempotency: order-id must not already exist.
+//  3. The referenced bond must exist (the order rests on an issued bond).
+//  4. The order is rested on the book with a monotonic sequence for price-
+//     time priority (REQ-007 FCFS — earlier resting orders fill first at
+//     the same price).
+//
+// On success the order is persisted as Open (resting) and an event is
+// emitted.
+func (s msgServer) PlaceSecondaryOrder(ctx interface{}, msg *types.MsgPlaceSecondaryOrder) (*types.MsgPlaceSecondaryOrderResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	// Idempotency: order-id must not already exist.
+	if _, ok := s.Keeper.GetRestingOrder(sdkCtx, msg.OrderID); ok {
+		return nil, fmt.Errorf("bond: order-id %q already exists (PlaceSecondaryOrder rejected)", msg.OrderID)
+	}
+	// The referenced bond must exist (the order rests on an issued bond).
+	if _, ok := s.Keeper.GetBond(sdkCtx, msg.BondID); !ok {
+		if _, ok := s.Keeper.GetGrowthBond(sdkCtx, msg.BondID); !ok {
+			return nil, fmt.Errorf("bond: bond-id %q does not exist (PlaceSecondaryOrder rejected)", msg.BondID)
+		}
+	}
+
+	// Construct the public v0.3 SecondaryOrder (the frozen contract). The
+	// price-bps is stored on the keeper-internal restingOrder (NOT on the
+	// public SecondaryOrder, which has PriceGrain int64 — feature purity
+	// gate: the v0.3 contract is not amended). PriceGrain is seeded from
+	// PriceBps for cross-reference (the v0.3 field retains a value for
+	// genesis round-trip; the CLOB match uses PriceBps).
+	so := types.SecondaryOrder{
+		OrderID:       msg.OrderID,
+		BondID:        msg.BondID,
+		Side:          msg.Side,
+		PriceGrain:    int64(msg.PriceBps),
+		HolderReachID: msg.HolderReachID,
+		Status:        types.OrderOpen,
+		CreatedAt:     sdkCtx.BlockTime().Unix(),
+	}
+	ro := restingOrder{
+		Order:                  so,
+		PriceBps:               msg.PriceBps,
+		Sequence:               s.Keeper.nextSequence(),
+		RemainingQuantityGrain: msg.QuantityGrain,
+	}
+	s.Keeper.setRestingOrder(sdkCtx, ro)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bond.order_placed",
+		sdk.NewAttribute("order_id", msg.OrderID),
+		sdk.NewAttribute("bond_id", msg.BondID),
+		sdk.NewAttribute("side", string(msg.Side)),
+		sdk.NewAttribute("price_bps", fmt.Sprintf("%d", msg.PriceBps)),
+		sdk.NewAttribute("quantity_grain", fmt.Sprintf("%d", msg.QuantityGrain)),
+	))
+	return &types.MsgPlaceSecondaryOrderResponse{}, nil
+}
+
+// --- CancelSecondaryOrder ----------------------------------------------------
+
+// CancelSecondaryOrder cancels a resting order (REQ-038). The handler
+// enforces:
+//  1. ValidateBasic (stateless).
+//  2. The order must exist and be Open (resting).
+//  3. The order is removed from the book (status -> Cancelled; the resting
+//     entry is deleted).
+//
+// On success the order is cancelled and an event is emitted.
+func (s msgServer) CancelSecondaryOrder(ctx interface{}, msg *types.MsgCancelSecondaryOrder) (*types.MsgCancelSecondaryOrderResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	ro, ok := s.Keeper.GetRestingOrder(sdkCtx, msg.OrderID)
+	if !ok {
+		return nil, fmt.Errorf("bond: order %q not found (CancelSecondaryOrder rejected)", msg.OrderID)
+	}
+	if ro.Order.Status != types.OrderOpen {
+		return nil, fmt.Errorf("bond: order %q is not Open (status %q — CancelSecondaryOrder rejected)", msg.OrderID, ro.Order.Status)
+	}
+
+	ro.Order.Status = types.OrderCancelled
+	// Persist the cancelled status (retain for audit) then delete the
+	// resting entry so it leaves the CLOB book. The Cancelled status is
+	// observable via the v0.3 SecondaryOrder.Status field on the persisted
+	// entry (the restingOrder embeds it). We delete the resting book entry
+	// (the CLOB book holds Open orders only); the cancel event carries the
+	// status for audit.
+	s.Keeper.deleteRestingOrder(sdkCtx, msg.OrderID)
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bond.order_cancelled",
+		sdk.NewAttribute("order_id", msg.OrderID),
+		sdk.NewAttribute("status", string(types.OrderCancelled)),
+	))
+	return &types.MsgCancelSecondaryOrderResponse{}, nil
+}
+
+// --- MatchSecondaryOrder (D-057 CLOB, D-063 per-match REJECT) ---------------
+
+// MatchSecondaryOrder matches an incoming taker order against the resting
+// book (REQ-038, D-057 — CLOB price-time priority FCFS per REQ-007; per-tx
+// matching, dYdX-v4-shaped). The handler enforces:
+//  1. ValidateBasic (stateless).
+//  2. The referenced bond must exist.
+//  3. The CLOB match (clob.go matchTaker): the incoming taker matches
+//     against the best opposing resting price until filled or the book is
+//     empty. Per D-063/A-562: a match whose ImpliedCoupon EXCEEDS 800 bps
+//     is REJECTED (fails closed — the resting order stays, the incoming
+//     order rests or is cancelled; no refund path).
+//
+// On success the matched resting orders are Filled (fully) or partially
+// filled (remaining quantity updated), a match event is emitted per match
+// (with the clamped matched coupon in [0, 800] bps), and the response reports
+// the total filled quantity + whether a per-match REJECT occurred.
+//
+// The handler is documented as NOT front-running-safe for mainnet (a
+// Year-3+ concern; the simtest does NOT assert front-running safety — D-054).
+func (s msgServer) MatchSecondaryOrder(ctx interface{}, msg *types.MsgMatchSecondaryOrder) (*types.MsgMatchSecondaryOrderResponse, error) {
+	if err := msg.ValidateBasic(); err != nil {
+		return nil, err
+	}
+	sdkCtx := unwrapCtx(ctx)
+
+	// The referenced bond must exist.
+	if _, ok := s.Keeper.GetBond(sdkCtx, msg.BondID); !ok {
+		if _, ok := s.Keeper.GetGrowthBond(sdkCtx, msg.BondID); !ok {
+			return nil, fmt.Errorf("bond: bond-id %q does not exist (MatchSecondaryOrder rejected)", msg.BondID)
+		}
+	}
+
+	// CLOB match (clob.go). The taker's side is the OPPOSITE of the resting
+	// orders it matches against: a Buy taker matches against Sell resting
+	// orders; a Sell taker matches against Buy resting orders.
+	filled, _, rejected := s.Keeper.matchTaker(
+		sdkCtx,
+		msg.BondID,
+		msg.Side,
+		msg.PriceBps,
+		msg.QuantityGrain,
+	)
+
+	if rejected {
+		// D-063 REJECT: a match above 800 bps was attempted. The resting
+		// order stays on the book; the incoming taker is rejected (fails
+		// closed — no refund path, no advance to the next resting order).
+		// Emit a reject event for simtest assertion.
+		sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+			"bond.match_rejected_above_cap",
+			sdk.NewAttribute("bond_id", msg.BondID),
+			sdk.NewAttribute("incoming_order_id", msg.IncomingOrderID),
+			sdk.NewAttribute("cap_bps", fmt.Sprintf("%d", types.CouponCapBps)),
+		))
+		return &types.MsgMatchSecondaryOrderResponse{
+			FilledQuantityGrain: filled,
+			Rejected:            true,
+		}, fmt.Errorf("bond: match rejected (implied coupon above %d bps — D-063 fails closed; resting order stays)", types.CouponCapBps)
+	}
+
+	sdkCtx.EventManager().EmitEvent(sdk.NewEvent(
+		"bond.match_completed",
+		sdk.NewAttribute("bond_id", msg.BondID),
+		sdk.NewAttribute("incoming_order_id", msg.IncomingOrderID),
+		sdk.NewAttribute("filled_quantity_grain", fmt.Sprintf("%d", filled)),
+	))
+	return &types.MsgMatchSecondaryOrderResponse{
+		FilledQuantityGrain: filled,
+		Rejected:            false,
+	}, nil
+}