docs(P04): complete Bearers skeleton I phase

P4 complete. Bearers skeleton I (D-020/D-035 pattern, zero ext deps):
- x/bridge/types (NEW): BridgeStatus enum (4), BridgeRoute with by-ID-string
  refs to satellite L2Chain + watcher quorum (G-003).
- x/exit/types (NEW): ExitStatus enum (5), ExitRoute with bridge-route-id
  by-ID-string (A-308), DEXSwap with opaque venue string.
- x/bearers/types (EXT): OYSATLink surveillance-resistant LOCKED true (A-311),
  OYQRCode MarkConsumed idempotent.
- x/partner/types (EXT): AnchorCredential, custody-provider-id empty in
  skeleton (A-304), PartnerTierCount=4 regression (A-305).
All 4 packages 100% coverage. Both firewalls green. G-003 intact.

---ci---
project: oy
phase: 4
milestone: v0.3
status: complete
tag_base: v0.2.x
phase_role: execution
requirements:
  covered: [REQ-010, REQ-022, REQ-023]
  partial: []
---/ci---

.ciagent/CHECKPOINT.json

@@ -1,12 +1,14 @@
 {
-  "phase": 0,
-  "stage": "grill",
+  "phase": 3,
+  "stage": "complete",
   "milestone": "v0.3",
   "milestone_type": "feature",
   "tag_base": "v0.2.x",
-  "phase_role": "pre_execution",
+  "phase_role": "execution",
   "project": "oy",
   "attempts": 0,
-  "updated_at": "2026-08-17T23:30:00Z",
-  "milestone_complete": false
+  "updated_at": "2026-08-18T00:20:00Z",
+  "milestone_complete": false,
+  "phase_release_tag": "v0.2.3",
+  "release_id": 736
 }

README.md

@@ -0,0 +1,83 @@
+# 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
+
+**v0.3 (Bearers & Documentation) — in progress.** The codebase is a skeleton +
+tests layer (Go types + keeper stubs + invariant tests, zero external Go deps)
+matching the v0.1/v0.2 pre-MVP pattern. 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 ./...
+```
+
+## 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`) and all docs (`README.md` + `docs/**/*.md`). 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 two
+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`.
+
+Both 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.

lexicon_meta_docs/lexicon_meta_docs_test.go

@@ -0,0 +1,316 @@
+// 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.
+//
+// G-014 self-test drift: this table is the docs mirror of the
+// TestLexiconMetaSelfTestTable in lexicon_meta_test.go (package lexicon_meta).
+// Both reuse lexicon.BannedTerms() as the single source for the 10 terms, so
+// a future addition updates both firewalls from one place. The synthetic
+// strings are assembled from lexicon.BannedTerms() fragments so this file
+// does not contain any banned term as a literal substring (it would otherwise
+// trip its own scan; the meta-test file is also excluded from its own scan,
+// but the self-test keeps the source clean for readability/searchability).
+//
+// CROSS-REFERENCE: keep this table aligned with
+//
+//	lexicon_meta_test.go :: TestLexiconMetaSelfTestTable
+//
+// Any change to the synthetic-string construction must be mirrored in both
+// files (or, preferably, add a shared helper in the lexicon package — see
+// G-014 minimum-viable: cross-reference comment + shared BannedTerms()).
+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))
+	}
+	// Each synthetic string embeds exactly one banned term in a plausible
+	// sentence context. Each must be detected.
+	synthetic := []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
+	}
+	if len(synthetic) != len(terms) {
+		t.Fatalf("synthetic table len = %d, want %d", 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)
+	}
+}

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

x/bearers/types/types.go

@@ -93,6 +93,73 @@ type BeaconFrame struct {
 	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).
+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"`
+}
+
+// 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{} }

x/bearers/types/types_test.go

@@ -261,6 +261,214 @@ func TestLexiconNoBannedTermsInBearersTestFile(t *testing.T) {
 	}
 }
 
+// --- 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 {

x/bridge/types/genesis.go

@@ -0,0 +1,48 @@
+package types
+
+import "fmt"
+
+// genesis.go holds the data-engineer's genesis schema helpers for the
+// bridge module (G-008 split). ValidateGenesis in types.go composes these
+// helpers; the security-engineer's test assertions live in types_test.go.
+//
+// The Bridge genesis schema has one top-level set: Routes (the bridge
+// routes). The invariants enforced at genesis load are (1) bridge-id
+// uniqueness, (2) bridge-id non-empty, and (3) status is a known
+// BridgeStatus. The route's l2-chain and watcher-quorum-id are by-ID-string
+// refs (G-003) and are NOT referentially checked at genesis (the referenced
+// x/satellite and x/watcher state is in separate modules; cross-module
+// referential integrity is a v0.4 keeper concern, not a v0.3 skeleton
+// concern per A-304).
+
+// ValidateRoutes asserts bridge-ids are present and unique, and that each
+// route's status is a known BridgeStatus. ValidateRoutes is the
+// data-engineer's schema validator, composed by ValidateGenesis in
+// types.go.
+func ValidateRoutes(routes []BridgeRoute) error {
+	seen := make(map[string]bool, len(routes))
+	for i, r := range routes {
+		if r.BridgeID == "" {
+			return fmt.Errorf("bridge [%d]: empty bridge-id", i)
+		}
+		if seen[r.BridgeID] {
+			return fmt.Errorf("bridge: duplicate bridge-id %q", r.BridgeID)
+		}
+		seen[r.BridgeID] = true
+		if !knownBridgeStatus(r.Status) {
+			return fmt.Errorf("bridge %q: unknown bridge status %q", r.BridgeID, r.Status)
+		}
+	}
+	return nil
+}
+
+// knownBridgeStatus reports whether s is one of the four BridgeStatus
+// values.
+func knownBridgeStatus(s BridgeStatus) bool {
+	for _, ss := range AllBridgeStatuses() {
+		if s == ss {
+			return true
+		}
+	}
+	return false
+}

x/bridge/types/types.go

@@ -0,0 +1,104 @@
+package types
+
+import (
+	"encoding/json"
+	"fmt"
+)
+
+const (
+	ModuleName   = "bridge"
+	StoreKey     = ModuleName
+	RouterKey    = ModuleName
+	QuerierRoute = ModuleName
+
+	// BridgeStatusCount is the locked count of BridgeStatus enum values
+	// (vision §7, REQ-010, D-036). Four route-level lifecycle states:
+	// Pending, Attested, Active, Closed. A regression firewall:
+	// adding/removing/renaming a status breaks this const's test.
+	BridgeStatusCount = 4
+)
+
+// BridgeStatus enumerates the route-level lifecycle of an L2↔L1 bridge
+// (vision §7, REQ-010, D-036). The four-state lifecycle sits above the
+// ICS-20 channel handshake (x/satellite ChannelStatus): a bridge route is
+// Pending until Watcher attestation confirms it (Attested), then it
+// becomes Active for transfers, and is Closed when the route is retired.
+// The Attested state references a Watcher quorum by ID-string (the
+// attestation is a by-ID-string field, not a struct import — G-003).
+type BridgeStatus string
+
+const (
+	BridgePending  BridgeStatus = "Pending"  // route declared, awaiting attestation
+	BridgeAttested BridgeStatus = "Attested" // Watcher quorum confirmed the route
+	BridgeActive   BridgeStatus = "Active"   // route open for transfers
+	BridgeClosed   BridgeStatus = "Closed"   // route retired
+)
+
+// AllBridgeStatuses returns all four BridgeStatus values in vision §7
+// route-lifecycle order. Locked-const test asserts exactly 4 entries.
+func AllBridgeStatuses() []BridgeStatus {
+	return []BridgeStatus{
+		BridgePending,
+		BridgeAttested,
+		BridgeActive,
+		BridgeClosed,
+	}
+}
+
+// BridgeRoute is a single L2↔L1 bridge route (REQ-010, D-036). The route
+// is the higher-level abstraction over the v0.2 satellite IBC transfer
+// channel: it carries the route-level status lifecycle and the Watcher
+// attestation ref, while the underlying channel handshake lives in
+// x/satellite. All cross-module references are by-ID-string per G-003:
+//
+//   - bridge-id is this route's unique identifier.
+//   - l2-chain references an x/satellite L2Chain by ID-string (the L2
+//     satellite chain this route bridges to/from). No struct import of
+//     x/satellite (G-003).
+//   - watcher-quorum-id references an x/watcher quorum by ID-string; it is
+//     set when status transitions to Attested (the Watcher 6-of-9 quorum
+//     attests the route per vision §7). No struct import of x/watcher.
+//
+// status is the route-level lifecycle (BridgeStatus), distinct from the
+// channel-level handshake (x/satellite ChannelStatus).
+type BridgeRoute struct {
+	BridgeID        string       `json:"bridge_id" yaml:"bridge_id"`
+	L2Chain         string       `json:"l2_chain" yaml:"l2_chain"`
+	WatcherQuorumID string       `json:"watcher_quorum_id" yaml:"watcher_quorum_id"`
+	Status          BridgeStatus `json:"status" yaml:"status"`
+}
+
+// Params for the bridge module (skeleton — no tunables in v0.3).
+type Params struct{}
+
+func DefaultParams() Params { return Params{} }
+
+// GenesisState defines the bridge module genesis state (REQ-010). Routes
+// is the set of bridge routes. ValidateGenesis enforces bridge-id
+// uniqueness and status validity. The data-engineer's genesis.go holds
+// the schema helpers (G-008 split).
+type GenesisState struct {
+	Params Params        `json:"params" yaml:"params"`
+	Routes []BridgeRoute `json:"routes" yaml:"routes"`
+}
+
+func DefaultGenesisState() *GenesisState {
+	return &GenesisState{
+		Params: DefaultParams(),
+		Routes: []BridgeRoute{},
+	}
+}
+
+// ValidateGenesis performs ID-uniqueness checks (A-212 upgrade from v0.1
+// no-op): rejects duplicate bridge-ids and unknown statuses. Delegates to
+// the data-engineer's genesis.go helpers (G-008).
+func ValidateGenesis(bz json.RawMessage) error {
+	var gs GenesisState
+	if err := json.Unmarshal(bz, &gs); err != nil {
+		return fmt.Errorf("bridge: invalid genesis: %w", err)
+	}
+	if err := ValidateRoutes(gs.Routes); err != nil {
+		return fmt.Errorf("bridge: %w", err)
+	}
+	return nil
+}

x/bridge/types/types_test.go

@@ -0,0 +1,278 @@
+package types_test
+
+import (
+	"encoding/json"
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+	btypes "github.com/oy/openyield/x/bridge/types"
+)
+
+// --- BridgeStatus enum (exactly 4) ---------------------------------------------
+
+// TestBridgeStatusCountLockedConst asserts BridgeStatusCount == 4 and
+// AllBridgeStatuses() returns exactly 4 (vision §7, REQ-010, D-036). A
+// regression firewall: adding/removing/renaming a status breaks this test.
+func TestBridgeStatusCountLockedConst(t *testing.T) {
+	if btypes.BridgeStatusCount != 4 {
+		t.Errorf("BridgeStatusCount = %d, expected 4 (vision §7 LOCKED)", btypes.BridgeStatusCount)
+	}
+	all := btypes.AllBridgeStatuses()
+	if len(all) != 4 {
+		t.Errorf("AllBridgeStatuses() len = %d, expected 4", len(all))
+	}
+}
+
+// TestAllBridgeStatusesNames asserts the 4 vision §7 route-lifecycle names
+// in order with no extras, no dups, no renames (Pending, Attested, Active,
+// Closed).
+func TestAllBridgeStatusesNames(t *testing.T) {
+	want := []string{"Pending", "Attested", "Active", "Closed"}
+	all := btypes.AllBridgeStatuses()
+	if len(all) != len(want) {
+		t.Fatalf("len = %d, want %d", len(all), len(want))
+	}
+	seen := map[string]bool{}
+	for i, s := range all {
+		if string(s) != want[i] {
+			t.Errorf("AllBridgeStatuses()[%d] = %q, want %q", i, s, want[i])
+		}
+		if seen[string(s)] {
+			t.Errorf("duplicate BridgeStatus %q", s)
+		}
+		seen[string(s)] = true
+	}
+}
+
+// TestBridgeStatusValues asserts each named const matches its AllBridgeStatuses
+// entry.
+func TestBridgeStatusValues(t *testing.T) {
+	if btypes.BridgePending != "Pending" {
+		t.Errorf("BridgePending = %q", btypes.BridgePending)
+	}
+	if btypes.BridgeAttested != "Attested" {
+		t.Errorf("BridgeAttested = %q", btypes.BridgeAttested)
+	}
+	if btypes.BridgeActive != "Active" {
+		t.Errorf("BridgeActive = %q", btypes.BridgeActive)
+	}
+	if btypes.BridgeClosed != "Closed" {
+		t.Errorf("BridgeClosed = %q", btypes.BridgeClosed)
+	}
+}
+
+// --- BridgeRoute struct (by-ID-string refs — G-003) -----------------------------
+
+// TestBridgeRouteStructFields asserts BridgeRoute carries all required
+// fields including the by-ID-string refs to x/satellite (l2-chain) and
+// x/watcher (watcher-quorum-id) per G-003. No struct imports of either
+// referenced module (the G-003 import-invariant test enforces this).
+func TestBridgeRouteStructFields(t *testing.T) {
+	r := btypes.BridgeRoute{
+		BridgeID:        "bridge-1",
+		L2Chain:         "Polygon", // by-ID-string ref to x/satellite L2Chain (G-003)
+		WatcherQuorumID: "quorum-1",
+		Status:          btypes.BridgeActive,
+	}
+	if r.BridgeID != "bridge-1" {
+		t.Errorf("BridgeID = %q", r.BridgeID)
+	}
+	if r.L2Chain != "Polygon" {
+		t.Errorf("L2Chain = %q", r.L2Chain)
+	}
+	if r.WatcherQuorumID != "quorum-1" {
+		t.Errorf("WatcherQuorumID = %q", r.WatcherQuorumID)
+	}
+	if r.Status != btypes.BridgeActive {
+		t.Errorf("Status = %q", r.Status)
+	}
+}
+
+// TestBridgeRouteL2ChainIsString asserts the L2Chain field is an opaque
+// string (by-ID-string ref — G-003), NOT a typed enum import from
+// x/satellite. This locks the by-ID-string invariant at the type level.
+func TestBridgeRouteL2ChainIsString(t *testing.T) {
+	r := btypes.BridgeRoute{L2Chain: "Polygon"}
+	// The field must be assignable from a plain string (no satellite.L2Chain
+	// type needed).
+	r.L2Chain = "Base"
+	if r.L2Chain != "Base" {
+		t.Errorf("L2Chain = %q, want %q (must be plain string)", r.L2Chain, "Base")
+	}
+}
+
+// TestBridgeRouteWatcherQuorumIDIsString asserts the WatcherQuorumID field
+// is an opaque string (by-ID-string ref to x/watcher — G-003).
+func TestBridgeRouteWatcherQuorumIDIsString(t *testing.T) {
+	r := btypes.BridgeRoute{WatcherQuorumID: "quorum-9"}
+	if r.WatcherQuorumID != "quorum-9" {
+		t.Errorf("WatcherQuorumID = %q", r.WatcherQuorumID)
+	}
+}
+
+// --- Genesis tests (A-212) ------------------------------------------------------
+
+// TestDefaultGenesisStateEmpty asserts DefaultGenesisState returns a non-nil
+// empty slice for Routes.
+func TestDefaultGenesisStateEmpty(t *testing.T) {
+	gs := btypes.DefaultGenesisState()
+	if gs == nil {
+		t.Fatal("DefaultGenesisState returned nil")
+	}
+	if gs.Routes == nil || len(gs.Routes) != 0 {
+		t.Errorf("Default Routes should be non-nil empty slice; got len=%d nil=%v", len(gs.Routes), gs.Routes == nil)
+	}
+}
+
+// TestValidateGenesisRejectsDupBridgeIDs asserts A-212: duplicate bridge-ids
+// are rejected.
+func TestValidateGenesisRejectsDupBridgeIDs(t *testing.T) {
+	gs := btypes.GenesisState{
+		Routes: []btypes.BridgeRoute{
+			{BridgeID: "b1", L2Chain: "Polygon", Status: btypes.BridgePending},
+			{BridgeID: "b1", L2Chain: "Base", Status: btypes.BridgeActive}, // dup
+		},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := btypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject duplicate bridge-ids")
+	}
+}
+
+// TestValidateGenesisRejectsEmptyBridgeID asserts empty bridge-id is rejected.
+func TestValidateGenesisRejectsEmptyBridgeID(t *testing.T) {
+	gs := btypes.GenesisState{
+		Routes: []btypes.BridgeRoute{{BridgeID: "", L2Chain: "Polygon", Status: btypes.BridgePending}},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := btypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject empty bridge-id")
+	}
+}
+
+// TestValidateGenesisRejectsUnknownStatus asserts an unknown BridgeStatus
+// is rejected.
+func TestValidateGenesisRejectsUnknownStatus(t *testing.T) {
+	gs := btypes.GenesisState{
+		Routes: []btypes.BridgeRoute{{BridgeID: "b1", L2Chain: "Polygon", Status: btypes.BridgeStatus("Bogus")}},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := btypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject unknown bridge status")
+	}
+}
+
+// TestValidateGenesisRejectsBadJSON asserts malformed JSON is rejected.
+func TestValidateGenesisRejectsBadJSON(t *testing.T) {
+	if err := btypes.ValidateGenesis(json.RawMessage(`{not json`)); err == nil {
+		t.Error("ValidateGenesis should reject malformed JSON")
+	}
+}
+
+// TestValidateGenesisAcceptsClean asserts a clean genesis validates.
+func TestValidateGenesisAcceptsClean(t *testing.T) {
+	gs := btypes.GenesisState{
+		Routes: []btypes.BridgeRoute{
+			{BridgeID: "b1", L2Chain: "Polygon", WatcherQuorumID: "q1", Status: btypes.BridgeActive},
+			{BridgeID: "b2", L2Chain: "Base", Status: btypes.BridgePending},
+		},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := btypes.ValidateGenesis(bz); err != nil {
+		t.Errorf("ValidateGenesis should accept clean genesis, got: %v", err)
+	}
+}
+
+// --- Module consts -------------------------------------------------------------
+
+// TestModuleConsts asserts the four Cosmos-convention module consts.
+func TestModuleConsts(t *testing.T) {
+	if btypes.ModuleName != "bridge" {
+		t.Errorf("ModuleName = %q", btypes.ModuleName)
+	}
+	if btypes.StoreKey != "bridge" {
+		t.Errorf("StoreKey = %q", btypes.StoreKey)
+	}
+	if btypes.RouterKey != "bridge" {
+		t.Errorf("RouterKey = %q", btypes.RouterKey)
+	}
+	if btypes.QuerierRoute != "bridge" {
+		t.Errorf("QuerierRoute = %q", btypes.QuerierRoute)
+	}
+}
+
+// TestDefaultParams asserts DefaultParams returns a zero-value Params.
+func TestDefaultParams(t *testing.T) {
+	_ = btypes.DefaultParams() // no panics
+}
+
+// --- Lexicon assertion (REQ-012) -------------------------------------------------
+//
+// The bridge module must avoid the banned financial holder terms (the
+// lexicon firewall's banned list). Use "Holder"/"Reach" instead. The lexicon
+// helpers are used here — no banned literals are inlined.
+
+// TestLexiconNoBannedTermsInBridgePackage scans every non-test .go file in
+// the bridge/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 TestLexiconNoBannedTermsInBridgePackage(t *testing.T) {
+	pkgDir := packageDir(t, "github.com/oy/openyield/x/bridge/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 bridge/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 — use Holder/Reach, not banned financial terms)", filepath.Base(f), found)
+		}
+	}
+}
+
+// TestLexiconNoBannedTermsInBridgeTestFile asserts this test file itself
+// does not contain any banned term as a literal.
+func TestLexiconNoBannedTermsInBridgeTestFile(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("bridge test file contains banned term %q — use lexicon helpers, not literals", found)
+	}
+}
+
+// packageDir resolves a Go import path to its filesystem directory by
+// walking up from this test file (v0.3 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/bridge/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/exit/types/genesis.go

@@ -0,0 +1,66 @@
+package types
+
+import "fmt"
+
+// genesis.go holds the data-engineer's genesis schema helpers for the
+// exit module (G-008 split). ValidateGenesis in types.go composes these
+// helpers; the security-engineer's test assertions live in types_test.go.
+//
+// The Exit genesis schema has two top-level sets: Routes (exit routes) and
+// Swaps (DEX swaps). The invariants enforced at genesis load are (1)
+// route-id uniqueness, (2) swap-id uniqueness, and (3) status validity.
+// The route's bridge-route-id is a by-ID-string ref (G-003) and is NOT
+// referentially checked at genesis (the referenced x/bridge state is in a
+// separate module; cross-module referential integrity is a v0.4 keeper
+// concern, not a v0.3 skeleton concern per A-308).
+
+// ValidateRoutes asserts route-ids are present and unique, and that each
+// route's status is a known ExitStatus. ValidateRoutes is the
+// data-engineer's schema validator, composed by ValidateGenesis in
+// types.go.
+func ValidateRoutes(routes []ExitRoute) error {
+	seen := make(map[string]bool, len(routes))
+	for i, r := range routes {
+		if r.RouteID == "" {
+			return fmt.Errorf("exit [%d]: empty route-id", i)
+		}
+		if seen[r.RouteID] {
+			return fmt.Errorf("exit: duplicate route-id %q", r.RouteID)
+		}
+		seen[r.RouteID] = true
+		if !knownExitStatus(r.Status) {
+			return fmt.Errorf("exit %q: unknown exit status %q", r.RouteID, r.Status)
+		}
+	}
+	return nil
+}
+
+// ValidateSwaps asserts swap-ids are present and unique, and that each
+// swap's status is a known ExitStatus. The venue is an opaque string
+// (A-308) and is not validated against a locked enum.
+func ValidateSwaps(swaps []DEXSwap) error {
+	seen := make(map[string]bool, len(swaps))
+	for i, s := range swaps {
+		if s.SwapID == "" {
+			return fmt.Errorf("exit [%d]: empty swap-id", i)
+		}
+		if seen[s.SwapID] {
+			return fmt.Errorf("exit: duplicate swap-id %q", s.SwapID)
+		}
+		seen[s.SwapID] = true
+		if !knownExitStatus(s.Status) {
+			return fmt.Errorf("exit swap %q: unknown exit status %q", s.SwapID, s.Status)
+		}
+	}
+	return nil
+}
+
+// knownExitStatus reports whether s is one of the five ExitStatus values.
+func knownExitStatus(s ExitStatus) bool {
+	for _, ss := range AllExitStatuses() {
+		if s == ss {
+			return true
+		}
+	}
+	return false
+}

x/exit/types/types.go

@@ -0,0 +1,122 @@
+package types
+
+import (
+	"encoding/json"
+	"fmt"
+)
+
+const (
+	ModuleName   = "exit"
+	StoreKey     = ModuleName
+	RouterKey    = ModuleName
+	QuerierRoute = ModuleName
+
+	// ExitStatusCount is the locked count of ExitStatus enum values
+	// (vision §7, REQ-010, D-036). Five exit lifecycle states: Proposed,
+	// InProgress, Settled, Failed, Refunded. A regression firewall:
+	// adding/removing/renaming a status breaks this const's test.
+	ExitStatusCount = 5
+)
+
+// ExitStatus enumerates the lifecycle of a Layer-3 exit (vision §7,
+// REQ-010, D-036). The five-state lifecycle covers both successful exits
+// (Proposed → InProgress → Settled) and the failure/recovery paths
+// (Failed → Refunded). Refunded is the terminal recovery state when an
+// exit fails and the holder is made whole.
+type ExitStatus string
+
+const (
+	ExitProposed   ExitStatus = "Proposed"   // exit declared, not yet executing
+	ExitInProgress ExitStatus = "InProgress" // exit executing (swap/bridge hop)
+	ExitSettled    ExitStatus = "Settled"    // exit completed, holder paid out
+	ExitFailed     ExitStatus = "Failed"     // exit failed (slippage/timeout)
+	ExitRefunded   ExitStatus = "Refunded"   // failed exit refunded to holder
+)
+
+// AllExitStatuses returns all five ExitStatus values in vision §7 lifecycle
+// order. Locked-const test asserts exactly 5 entries.
+func AllExitStatuses() []ExitStatus {
+	return []ExitStatus{
+		ExitProposed,
+		ExitInProgress,
+		ExitSettled,
+		ExitFailed,
+		ExitRefunded,
+	}
+}
+
+// ExitRoute is a Holder-initiated exit route (REQ-010, D-036, A-308). The
+// route describes a holder's intent to exit the mesh via a DEX swap and
+// (optionally) a cross-chain bridge hop. All cross-module references are
+// by-ID-string per G-003:
+//
+//   - route-id is this route's unique identifier.
+//   - bridge-route-id references an x/bridge BridgeRoute by ID-string
+//     (A-308, G-003). It is optional (empty for same-chain exits) and
+//     present for cross-chain exits. No struct import of x/bridge.
+//   - status is the exit lifecycle (ExitStatus).
+//
+// The bridge-route-id is the P4 intra-phase dependency edge (x/bridge is
+// authored first within P4; x/exit references it by ID-string only).
+type ExitRoute struct {
+	RouteID       string     `json:"route_id" yaml:"route_id"`
+	BridgeRouteID string     `json:"bridge_route_id" yaml:"bridge_route_id"`
+	Status        ExitStatus `json:"status" yaml:"status"`
+}
+
+// DEXSwap is a single DEX swap executed as part of an exit route (REQ-010,
+// D-036, A-308). The venue is an OPAQUE string (e.g. "uniswap-v3", "oy-dex")
+// — NOT a locked enum. A-308: venues are operational, not protocol-locked;
+// locking an enum now risks churn (uniswap-v3/v4, oy-dex, etc. change over
+// time). The skeleton keeps the venue as a free-form string so the type
+// shape is stable across venue additions. status reuses ExitStatus (a swap
+// shares the exit lifecycle: Proposed → InProgress → Settled/Failed).
+//
+//   - swap-id is this swap's unique identifier.
+//   - venue is the opaque DEX venue string (A-308 — not a locked enum).
+//   - status is the swap lifecycle (ExitStatus).
+type DEXSwap struct {
+	SwapID string     `json:"swap_id" yaml:"swap_id"`
+	Venue  string     `json:"venue" yaml:"venue"`
+	Status ExitStatus `json:"status" yaml:"status"`
+}
+
+// Params for the exit module (skeleton — no tunables in v0.3).
+type Params struct{}
+
+func DefaultParams() Params { return Params{} }
+
+// GenesisState defines the exit module genesis state (REQ-010). Routes is
+// the set of exit routes; Swaps is the set of DEX swaps. ValidateGenesis
+// enforces route-id and swap-id uniqueness. The data-engineer's genesis.go
+// holds the schema helpers (G-008 split).
+type GenesisState struct {
+	Params Params      `json:"params" yaml:"params"`
+	Routes []ExitRoute `json:"routes" yaml:"routes"`
+	Swaps  []DEXSwap   `json:"swaps" yaml:"swaps"`
+}
+
+func DefaultGenesisState() *GenesisState {
+	return &GenesisState{
+		Params: DefaultParams(),
+		Routes: []ExitRoute{},
+		Swaps:  []DEXSwap{},
+	}
+}
+
+// ValidateGenesis performs ID-uniqueness checks (A-212 upgrade from v0.1
+// no-op): rejects duplicate route-ids and swap-ids. Delegates to the
+// data-engineer's genesis.go helpers (G-008).
+func ValidateGenesis(bz json.RawMessage) error {
+	var gs GenesisState
+	if err := json.Unmarshal(bz, &gs); err != nil {
+		return fmt.Errorf("exit: invalid genesis: %w", err)
+	}
+	if err := ValidateRoutes(gs.Routes); err != nil {
+		return fmt.Errorf("exit: %w", err)
+	}
+	if err := ValidateSwaps(gs.Swaps); err != nil {
+		return fmt.Errorf("exit: %w", err)
+	}
+	return nil
+}

x/exit/types/types_test.go

@@ -0,0 +1,390 @@
+package types_test
+
+import (
+	"encoding/json"
+	"os"
+	"path/filepath"
+	"runtime"
+	"strings"
+	"testing"
+
+	"github.com/oy/openyield/lexicon"
+	etypes "github.com/oy/openyield/x/exit/types"
+)
+
+// --- ExitStatus enum (exactly 5) -----------------------------------------------
+
+// TestExitStatusCountLockedConst asserts ExitStatusCount == 5 and
+// AllExitStatuses() returns exactly 5 (vision §7, REQ-010, D-036). A
+// regression firewall: adding/removing/renaming a status breaks this test.
+func TestExitStatusCountLockedConst(t *testing.T) {
+	if etypes.ExitStatusCount != 5 {
+		t.Errorf("ExitStatusCount = %d, expected 5 (vision §7 LOCKED)", etypes.ExitStatusCount)
+	}
+	all := etypes.AllExitStatuses()
+	if len(all) != 5 {
+		t.Errorf("AllExitStatuses() len = %d, expected 5", len(all))
+	}
+}
+
+// TestAllExitStatusesNames asserts the 5 vision §7 exit-lifecycle names in
+// order with no extras, no dups, no renames (Proposed, InProgress, Settled,
+// Failed, Refunded).
+func TestAllExitStatusesNames(t *testing.T) {
+	want := []string{"Proposed", "InProgress", "Settled", "Failed", "Refunded"}
+	all := etypes.AllExitStatuses()
+	if len(all) != len(want) {
+		t.Fatalf("len = %d, want %d", len(all), len(want))
+	}
+	seen := map[string]bool{}
+	for i, s := range all {
+		if string(s) != want[i] {
+			t.Errorf("AllExitStatuses()[%d] = %q, want %q", i, s, want[i])
+		}
+		if seen[string(s)] {
+			t.Errorf("duplicate ExitStatus %q", s)
+		}
+		seen[string(s)] = true
+	}
+}
+
+// TestExitStatusValues asserts each named const matches its AllExitStatuses
+// entry.
+func TestExitStatusValues(t *testing.T) {
+	if etypes.ExitProposed != "Proposed" {
+		t.Errorf("ExitProposed = %q", etypes.ExitProposed)
+	}
+	if etypes.ExitInProgress != "InProgress" {
+		t.Errorf("ExitInProgress = %q", etypes.ExitInProgress)
+	}
+	if etypes.ExitSettled != "Settled" {
+		t.Errorf("ExitSettled = %q", etypes.ExitSettled)
+	}
+	if etypes.ExitFailed != "Failed" {
+		t.Errorf("ExitFailed = %q", etypes.ExitFailed)
+	}
+	if etypes.ExitRefunded != "Refunded" {
+		t.Errorf("ExitRefunded = %q", etypes.ExitRefunded)
+	}
+}
+
+// --- ExitRoute struct (bridge-route-id by-ID-string — G-003/A-308) ----------------
+
+// TestExitRouteStructFields asserts ExitRoute carries all required fields
+// including the by-ID-string ref to x/bridge BridgeRoute (bridge-route-id)
+// per A-308/G-003. No struct import of x/bridge (the G-003 import-invariant
+// test enforces this).
+func TestExitRouteStructFields(t *testing.T) {
+	r := etypes.ExitRoute{
+		RouteID:       "route-1",
+		BridgeRouteID: "bridge-1", // by-ID-string ref to x/bridge (A-308/G-003)
+		Status:        etypes.ExitProposed,
+	}
+	if r.RouteID != "route-1" {
+		t.Errorf("RouteID = %q", r.RouteID)
+	}
+	if r.BridgeRouteID != "bridge-1" {
+		t.Errorf("BridgeRouteID = %q", r.BridgeRouteID)
+	}
+	if r.Status != etypes.ExitProposed {
+		t.Errorf("Status = %q", r.Status)
+	}
+}
+
+// TestExitRouteBridgeRouteIDIsString asserts the BridgeRouteID field is an
+// opaque string (by-ID-string ref — G-003), NOT a typed x/bridge.BridgeRoute
+// import. This locks the by-ID-string invariant at the type level.
+func TestExitRouteBridgeRouteIDIsString(t *testing.T) {
+	r := etypes.ExitRoute{BridgeRouteID: "bridge-9"}
+	// The field must be assignable from a plain string (no bridge.BridgeRoute
+	// type needed).
+	r.BridgeRouteID = "bridge-2"
+	if r.BridgeRouteID != "bridge-2" {
+		t.Errorf("BridgeRouteID = %q, want %q (must be plain string)", r.BridgeRouteID, "bridge-2")
+	}
+}
+
+// TestExitRouteBridgeRouteIDOptional asserts an empty bridge-route-id is
+// valid (same-chain exits have no bridge hop).
+func TestExitRouteBridgeRouteIDOptional(t *testing.T) {
+	r := etypes.ExitRoute{
+		RouteID:       "same-chain-exit",
+		BridgeRouteID: "", // empty = same-chain exit (no bridge hop)
+		Status:        etypes.ExitSettled,
+	}
+	if r.BridgeRouteID != "" {
+		t.Errorf("BridgeRouteID should be empty for same-chain exit; got %q", r.BridgeRouteID)
+	}
+}
+
+// --- DEXSwap struct (opaque venue — A-308) --------------------------------------
+
+// TestDEXSwapStructFields asserts DEXSwap carries all required fields
+// including the opaque venue string (A-308) and an ExitStatus.
+func TestDEXSwapStructFields(t *testing.T) {
+	s := etypes.DEXSwap{
+		SwapID: "swap-1",
+		Venue:  "uniswap-v3",
+		Status: etypes.ExitSettled,
+	}
+	if s.SwapID != "swap-1" {
+		t.Errorf("SwapID = %q", s.SwapID)
+	}
+	if s.Venue != "uniswap-v3" {
+		t.Errorf("Venue = %q", s.Venue)
+	}
+	if s.Status != etypes.ExitSettled {
+		t.Errorf("Status = %q", s.Status)
+	}
+}
+
+// TestDEXSwapVenueIsOpaqueString asserts the DEXSwap venue is an opaque
+// string, NOT a locked enum (A-308 — venues are operational, locking now
+// risks churn). The field must accept any free-form string.
+func TestDEXSwapVenueIsOpaqueString(t *testing.T) {
+	// A-308: venue is an opaque string, not a locked enum. Various venue
+	// strings must be assignable without any enum type.
+	venues := []string{"uniswap-v3", "oy-dex", "1inch", "paraswap", "0x-api", "custom-venue-xyz"}
+	for _, v := range venues {
+		s := etypes.DEXSwap{SwapID: "s", Venue: v}
+		if s.Venue != v {
+			t.Errorf("Venue = %q, want %q (A-308: venue must be opaque string)", s.Venue, v)
+		}
+	}
+}
+
+// TestDEXSwapVenueTypeIsString asserts the Venue field's Go type is the
+// built-in string (not a typed enum). This locks A-308 at the type level:
+// the field is a plain string, so any venue string is assignable without
+// conversion.
+func TestDEXSwapVenueTypeIsString(t *testing.T) {
+	s := etypes.DEXSwap{}
+	// Assigning a plain string literal must compile and work — no enum
+	// conversion needed. If venue were a typed enum, assigning a plain
+	// string would require a type conversion (e.g. etypes.Venue("x")).
+	s.Venue = "any-string-works"
+	var want string = "any-string-works"
+	if s.Venue != want {
+		t.Errorf("Venue type is not plain string (A-308): got %q want %q", s.Venue, want)
+	}
+}
+
+// TestDEXSwapStatusReusesExitStatus asserts the DEXSwap status field reuses
+// the ExitStatus enum (a swap shares the exit lifecycle).
+func TestDEXSwapStatusReusesExitStatus(t *testing.T) {
+	statuses := etypes.AllExitStatuses()
+	for _, st := range statuses {
+		s := etypes.DEXSwap{SwapID: "s", Venue: "v", Status: st}
+		if s.Status != st {
+			t.Errorf("DEXSwap.Status = %q, want %q (must reuse ExitStatus)", s.Status, st)
+		}
+	}
+}
+
+// --- Genesis tests (A-212) ------------------------------------------------------
+
+// TestDefaultGenesisStateEmpty asserts DefaultGenesisState returns non-nil
+// empty slices for Routes and Swaps.
+func TestDefaultGenesisStateEmpty(t *testing.T) {
+	gs := etypes.DefaultGenesisState()
+	if gs == nil {
+		t.Fatal("DefaultGenesisState returned nil")
+	}
+	if gs.Routes == nil || len(gs.Routes) != 0 {
+		t.Errorf("Default Routes should be non-nil empty slice; got len=%d nil=%v", len(gs.Routes), gs.Routes == nil)
+	}
+	if gs.Swaps == nil || len(gs.Swaps) != 0 {
+		t.Errorf("Default Swaps should be non-nil empty slice; got len=%d nil=%v", len(gs.Swaps), gs.Swaps == nil)
+	}
+}
+
+// TestValidateGenesisRejectsDupRouteIDs asserts A-212: duplicate route-ids
+// are rejected.
+func TestValidateGenesisRejectsDupRouteIDs(t *testing.T) {
+	gs := etypes.GenesisState{
+		Routes: []etypes.ExitRoute{
+			{RouteID: "r1", Status: etypes.ExitProposed},
+			{RouteID: "r1", Status: etypes.ExitSettled}, // dup
+		},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := etypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject duplicate route-ids")
+	}
+}
+
+// TestValidateGenesisRejectsEmptyRouteID asserts empty route-id is rejected.
+func TestValidateGenesisRejectsEmptyRouteID(t *testing.T) {
+	gs := etypes.GenesisState{
+		Routes: []etypes.ExitRoute{{RouteID: "", Status: etypes.ExitProposed}},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := etypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject empty route-id")
+	}
+}
+
+// TestValidateGenesisRejectsUnknownRouteStatus asserts an unknown ExitStatus
+// on a route is rejected.
+func TestValidateGenesisRejectsUnknownRouteStatus(t *testing.T) {
+	gs := etypes.GenesisState{
+		Routes: []etypes.ExitRoute{{RouteID: "r1", Status: etypes.ExitStatus("Bogus")}},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := etypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject unknown exit status on route")
+	}
+}
+
+// TestValidateGenesisRejectsDupSwapIDs asserts A-212: duplicate swap-ids
+// are rejected.
+func TestValidateGenesisRejectsDupSwapIDs(t *testing.T) {
+	gs := etypes.GenesisState{
+		Swaps: []etypes.DEXSwap{
+			{SwapID: "s1", Venue: "uniswap-v3", Status: etypes.ExitSettled},
+			{SwapID: "s1", Venue: "oy-dex", Status: etypes.ExitProposed}, // dup
+		},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := etypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject duplicate swap-ids")
+	}
+}
+
+// TestValidateGenesisRejectsEmptySwapID asserts empty swap-id is rejected.
+func TestValidateGenesisRejectsEmptySwapID(t *testing.T) {
+	gs := etypes.GenesisState{
+		Swaps: []etypes.DEXSwap{{SwapID: "", Venue: "oy-dex", Status: etypes.ExitProposed}},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := etypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject empty swap-id")
+	}
+}
+
+// TestValidateGenesisRejectsUnknownSwapStatus asserts an unknown ExitStatus
+// on a swap is rejected.
+func TestValidateGenesisRejectsUnknownSwapStatus(t *testing.T) {
+	gs := etypes.GenesisState{
+		Swaps: []etypes.DEXSwap{{SwapID: "s1", Venue: "oy-dex", Status: etypes.ExitStatus("Bogus")}},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := etypes.ValidateGenesis(bz); err == nil {
+		t.Error("ValidateGenesis should reject unknown exit status on swap")
+	}
+}
+
+// TestValidateGenesisRejectsBadJSON asserts malformed JSON is rejected.
+func TestValidateGenesisRejectsBadJSON(t *testing.T) {
+	if err := etypes.ValidateGenesis(json.RawMessage(`{not json`)); err == nil {
+		t.Error("ValidateGenesis should reject malformed JSON")
+	}
+}
+
+// TestValidateGenesisAcceptsClean asserts a clean genesis validates.
+func TestValidateGenesisAcceptsClean(t *testing.T) {
+	gs := etypes.GenesisState{
+		Routes: []etypes.ExitRoute{
+			{RouteID: "r1", BridgeRouteID: "bridge-1", Status: etypes.ExitInProgress},
+			{RouteID: "r2", BridgeRouteID: "", Status: etypes.ExitSettled}, // same-chain exit
+		},
+		Swaps: []etypes.DEXSwap{
+			{SwapID: "s1", Venue: "uniswap-v3", Status: etypes.ExitSettled},
+			{SwapID: "s2", Venue: "oy-dex", Status: etypes.ExitProposed},
+		},
+	}
+	bz, _ := json.Marshal(gs)
+	if err := etypes.ValidateGenesis(bz); err != nil {
+		t.Errorf("ValidateGenesis should accept clean genesis, got: %v", err)
+	}
+}
+
+// --- Module consts -------------------------------------------------------------
+
+// TestModuleConsts asserts the four Cosmos-convention module consts.
+func TestModuleConsts(t *testing.T) {
+	if etypes.ModuleName != "exit" {
+		t.Errorf("ModuleName = %q", etypes.ModuleName)
+	}
+	if etypes.StoreKey != "exit" {
+		t.Errorf("StoreKey = %q", etypes.StoreKey)
+	}
+	if etypes.RouterKey != "exit" {
+		t.Errorf("RouterKey = %q", etypes.RouterKey)
+	}
+	if etypes.QuerierRoute != "exit" {
+		t.Errorf("QuerierRoute = %q", etypes.QuerierRoute)
+	}
+}
+
+// TestDefaultParams asserts DefaultParams returns a zero-value Params.
+func TestDefaultParams(t *testing.T) {
+	_ = etypes.DefaultParams() // no panics
+}
+
+// --- Lexicon assertion (REQ-012) -------------------------------------------------
+//
+// The exit module must avoid the banned financial holder terms (the
+// lexicon firewall's banned list). Use "Holder"/"Reach" instead. The lexicon
+// helpers are used here — no banned literals are inlined.
+
+// TestLexiconNoBannedTermsInExitPackage scans every non-test .go file in
+// the exit/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 TestLexiconNoBannedTermsInExitPackage(t *testing.T) {
+	pkgDir := packageDir(t, "github.com/oy/openyield/x/exit/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 exit/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 — use Holder/Reach, not banned financial terms)", filepath.Base(f), found)
+		}
+	}
+}
+
+// TestLexiconNoBannedTermsInExitTestFile asserts this test file itself
+// does not contain any banned term as a literal.
+func TestLexiconNoBannedTermsInExitTestFile(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("exit test file contains banned term %q — use lexicon helpers, not literals", found)
+	}
+}
+
+// packageDir resolves a Go import path to its filesystem directory by
+// walking up from this test file (v0.3 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/exit/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/partner/types/types.go

@@ -155,6 +155,53 @@ func (k *Keeper) ListByTier(tier PartnerTier) []Partner {
 	return out
 }
 
+// AnchorCredential is the institutional onboarding metadata for an Anchor
+// tier Partner (REQ-023, D-038, A-305). The Anchor tier (the 4th of the
+// 4-tier Partner Spectrum, REQ-018) gets institution-specific credential
+// fields in v0.3. v0.2 defined the 4-tier enum + Partner struct +
+// CredentialRef; v0.3 adds this AnchorCredential struct carrying the
+// institutional onboarding metadata. No live institutional onboarding in
+// v0.3 (the skeleton defines the type shape only).
+//
+// All cross-module references are by-ID-string per G-003:
+//
+//   - anchor-id references a Partner with Tier=Anchor by ID-string
+//     (G-003). No struct import; the reference is validated against the
+//     Partner registry by the keeper, not the type system.
+//   - custody-provider-id references an x/hub custody service by ID-string
+//     (A-304/G-003). The hub is NOT live until P5/v0.4, so this field is
+//     EMPTY in the v0.3 skeleton (NewAnchorCredential sets it to "").
+//     The field exists so the shape is stable when the hub comes online.
+//     No struct import of x/hub.
+//   - credential-uri is an opaque URI to the institutional credential
+//     (regulatory jurisdiction, attestation refs, etc.) — like the v0.2
+//     Pier CredentialRef, kept opaque in the skeleton.
+//   - attestation-count is the number of Watcher/auditor attestations on
+//     the credential (starts at 0 in the skeleton).
+type AnchorCredential struct {
+	AnchorID          string `json:"anchor_id" yaml:"anchor_id"`
+	CustodyProviderID string `json:"custody_provider_id" yaml:"custody_provider_id"`
+	CredentialURI     string `json:"credential_uri" yaml:"credential_uri"`
+	AttestationCount  uint32 `json:"attestation_count" yaml:"attestation_count"`
+}
+
+// NewAnchorCredential constructs an AnchorCredential for an Anchor-tier
+// Partner (D-038, A-305). The custody-provider-id is set to "" (empty)
+// because the x/hub custody service is NOT live until P5/v0.4 (A-304:
+// the field is typed-but-empty in the v0.3 skeleton; the hub is live in
+// P5, so the field exists but is not validated against hub yet). The
+// attestation-count is set to 0 (no attestations in the skeleton). The
+// caller supplies the anchor-id (the Anchor Partner's ID) and the opaque
+// credential-uri.
+func NewAnchorCredential(anchorID, credentialURI string) AnchorCredential {
+	return AnchorCredential{
+		AnchorID:          anchorID,
+		CustodyProviderID: "", // empty — hub not live until P5/v0.4 (A-304)
+		CredentialURI:     credentialURI,
+		AttestationCount:  0, // no attestations in the skeleton
+	}
+}
+
 // Params for the partner module (skeleton — no tunables in v0.2).
 type Params struct{}
 

x/partner/types/types_test.go

@@ -411,6 +411,151 @@ func TestLexiconNoBannedTermsInPartnerTestFile(t *testing.T) {
 	}
 }
 
+// --- v0.3 Partner extension (P4-04, D-038, A-305) — AnchorCredential -------------
+//
+// The following tests extend the v0.2 partner tests with the v0.3
+// AnchorCredential struct (D-038). The existing v0.1/v0.2 tests above
+// MUST remain green — no regression. The PartnerTier enum (4 tiers) is
+// locked since v0.2; v0.3 adds the AnchorCredential STRUCT only (no new
+// tier — A-305).
+
+// TestAnchorCredentialStructFields asserts the AnchorCredential struct
+// carries all required fields (anchor-id, custody-provider-id,
+// credential-uri, attestation-count) per D-038/A-305.
+func TestAnchorCredentialStructFields(t *testing.T) {
+	c := types.AnchorCredential{
+		AnchorID:          "anchor-1",
+		CustodyProviderID: "hub-custody-1",
+		CredentialURI:     "oy:cred:anchor-1/jurisdiction/EU-MiCA",
+		AttestationCount:  3,
+	}
+	if c.AnchorID != "anchor-1" {
+		t.Errorf("AnchorID = %q", c.AnchorID)
+	}
+	if c.CustodyProviderID != "hub-custody-1" {
+		t.Errorf("CustodyProviderID = %q", c.CustodyProviderID)
+	}
+	if c.CredentialURI != "oy:cred:anchor-1/jurisdiction/EU-MiCA" {
+		t.Errorf("CredentialURI = %q", c.CredentialURI)
+	}
+	if c.AttestationCount != 3 {
+		t.Errorf("AttestationCount = %d, want 3", c.AttestationCount)
+	}
+}
+
+// TestAnchorCredentialAnchorIDIsString asserts the AnchorID field is an
+// opaque string (by-ID-string ref to a Partner with Tier=Anchor — G-003),
+// NOT a typed Partner import. This locks the by-ID-string invariant at
+// the type level.
+func TestAnchorCredentialAnchorIDIsString(t *testing.T) {
+	c := types.AnchorCredential{AnchorID: "partner-9"}
+	c.AnchorID = "partner-2"
+	if c.AnchorID != "partner-2" {
+		t.Errorf("AnchorID = %q, want %q (must be plain string — G-003)", c.AnchorID, "partner-2")
+	}
+}
+
+// TestAnchorCredentialCustodyProviderIDIsString asserts the
+// CustodyProviderID field is an opaque string (by-ID-string ref to an
+// x/hub custody service — A-304/G-003), NOT a typed x/hub import.
+func TestAnchorCredentialCustodyProviderIDIsString(t *testing.T) {
+	c := types.AnchorCredential{CustodyProviderID: "hub-custody-9"}
+	c.CustodyProviderID = "hub-custody-2"
+	if c.CustodyProviderID != "hub-custody-2" {
+		t.Errorf("CustodyProviderID = %q, want %q (must be plain string — A-304/G-003)", c.CustodyProviderID, "hub-custody-2")
+	}
+}
+
+// TestNewAnchorCredentialConstruction asserts NewAnchorCredential sets
+// the anchor-id and credential-uri from the constructor args, AND sets
+// custody-provider-id to "" (empty — hub not live until P5/v0.4 per
+// A-304), AND attestation-count to 0 (no attestations in the skeleton).
+func TestNewAnchorCredentialConstruction(t *testing.T) {
+	c := types.NewAnchorCredential("anchor-1", "oy:cred:anchor-1/EU-MiCA")
+	if c.AnchorID != "anchor-1" {
+		t.Errorf("AnchorID = %q, want %q", c.AnchorID, "anchor-1")
+	}
+	if c.CredentialURI != "oy:cred:anchor-1/EU-MiCA" {
+		t.Errorf("CredentialURI = %q, want %q", c.CredentialURI, "oy:cred:anchor-1/EU-MiCA")
+	}
+	// custody-provider-id must be EMPTY in the skeleton (A-304: hub not
+	// live until P5/v0.4).
+	if c.CustodyProviderID != "" {
+		t.Errorf("CustodyProviderID = %q, want empty (A-304: hub not live until P5)", c.CustodyProviderID)
+	}
+	// attestation-count must be 0 in the skeleton.
+	if c.AttestationCount != 0 {
+		t.Errorf("AttestationCount = %d, want 0 (skeleton)", c.AttestationCount)
+	}
+}
+
+// TestNewAnchorCredentialCustodyProviderIDEmptyInvariant asserts the
+// A-304 invariant: NewAnchorCredential ALWAYS sets custody-provider-id to
+// "" regardless of inputs (the hub is not live until P5/v0.4; the field
+// is typed-but-empty in the v0.3 skeleton). This is the dependency edge
+// that forces P4 before P5 (D-044): x/partner Anchor lands in P4, x/hub
+// in P5.
+func TestNewAnchorCredentialCustodyProviderIDEmptyInvariant(t *testing.T) {
+	cases := []struct {
+		anchorID string
+		credURI  string
+	}{
+		{"anchor-1", "oy:cred:a/EU-MiCA"},
+		{"anchor-2", "oy:cred:a/US-SOC2"},
+		{"", ""},
+		{"anchor-3", ""},
+	}
+	for _, c := range cases {
+		got := types.NewAnchorCredential(c.anchorID, c.credURI)
+		if got.CustodyProviderID != "" {
+			t.Errorf("NewAnchorCredential(%q,%q): CustodyProviderID = %q, want empty (A-304 LOCKED)", c.anchorID, c.credURI, got.CustodyProviderID)
+		}
+		if got.AttestationCount != 0 {
+			t.Errorf("NewAnchorCredential(%q,%q): AttestationCount = %d, want 0 (skeleton)", c.anchorID, c.credURI, got.AttestationCount)
+		}
+	}
+}
+
+// TestNewAnchorCredentialAttestationCountZero asserts the constructor sets
+// attestation-count to 0 (no attestations in the skeleton; attestations
+// are a v0.4 keeper concern).
+func TestNewAnchorCredentialAttestationCountZero(t *testing.T) {
+	c := types.NewAnchorCredential("anchor-1", "oy:cred:anchor-1/x")
+	if c.AttestationCount != 0 {
+		t.Errorf("AttestationCount = %d, want 0 (skeleton — attestations are v0.4)", c.AttestationCount)
+	}
+}
+
+// TestAnchorCredentialZeroValue asserts the zero-value AnchorCredential
+// has empty strings and a 0 attestation-count.
+func TestAnchorCredentialZeroValue(t *testing.T) {
+	var c types.AnchorCredential
+	if c.AnchorID != "" || c.CustodyProviderID != "" || c.CredentialURI != "" {
+		t.Error("zero-value AnchorCredential should have empty string fields")
+	}
+	if c.AttestationCount != 0 {
+		t.Errorf("zero-value AttestationCount = %d, want 0", c.AttestationCount)
+	}
+}
+
+// TestPartnerTierCountStillFour is the v0.3 REGRESSION test (A-305): the
+// PartnerTier enum is LOCKED at 4 tiers since v0.2; v0.3 adds the
+// AnchorCredential STRUCT, NOT a new tier. This test asserts the count
+// is still 4 (no new tier added by the v0.3 extension).
+func TestPartnerTierCountStillFour(t *testing.T) {
+	if types.PartnerTierCount != 4 {
+		t.Errorf("PartnerTierCount = %d, expected 4 (A-305: v0.3 adds AnchorCredential struct, not a tier)", types.PartnerTierCount)
+	}
+	all := types.AllPartnerTiers()
+	if len(all) != 4 {
+		t.Errorf("AllPartnerTiers() len = %d, expected 4 (A-305 regression)", len(all))
+	}
+	// Anchor must still be the 4th tier (no new tier added before/after it).
+	if all[3] != types.TierAnchor {
+		t.Errorf("AllPartnerTiers()[3] = %q, want %q (Anchor must remain 4th tier)", all[3], types.TierAnchor)
+	}
+}
+
 // 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 {