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openyield/docs/freeholders/stands-guilds.md
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cloudinit-bot 82ae6cf5a2 docs(milestone): complete OpenYield v0.3 (Bearers & Documentation)
Milestone v0.3 complete. Feature type, tags v0.2.x. Two work-streams
shipped under one feature milestone:

(A) Bearers skeleton + tests (D-020 pattern, 7 x/* packages, zero ext deps):
- x/bridge (NEW): BridgeStatus enum (4), BridgeRoute by-ID-string refs
- x/exit (NEW): ExitStatus enum (5), ExitRoute, DEXSwap (opaque venue)
- x/bearers (EXT): OYSATLink surveillance-resistant LOCKED, OYQRCode idempotent
- x/partner (EXT): AnchorCredential (custody-provider-id empty in skeleton)
- x/hub (NEW): HubService enum (3), LendingCouponCapBps=800 LOCAL const (A-304)
- x/services (NEW): ServiceKind enum (4), window-id by-ID-string ref (A-307)
- x/bond (EXT): GrowthBond, ClampGrowth G-012 underflow guard, secondary market
All packages >=93.3% coverage. Both lexicon firewalls green. G-003 intact.

(B) Documentation deliverable (REQ-027 complete, 26-page MkDocs Material site):
- README.md + mkdocs.yml + docs/index.md
- docs/shared/ (7 pages): Six Principles, Bread Scale, Storage Pools, Watchers/Mirror, Lexicon, Vision
- docs/nomads/ (8 pages): Reach, Stash, Bearers, Maps-Pay, Pacts, Standing, Window
- docs/freeholders/ (8 pages): Signals, Standing, Stands-Guilds, Councils-Voice, Bonds, Partner Spectrum, Anchor Preview
- docs/reference/ (2 pages): Architecture, Components
- REQ-028: lexicon firewall extended to docs/ + README.md (lexicon_meta_docs_test.go, 5 tests incl G-013 walk-coverage + G-014 shared self-test)

Phases: P0 -> v0.2.0, P1 -> v0.2.1, P2 -> v0.2.2, P3 -> v0.2.3, P4 -> v0.2.4, P5 -> v0.2.5, P6 -> v0.2.6 (milestone release).

Requirements covered: REQ-010, REQ-022, REQ-023, REQ-024, REQ-025, REQ-026 (skeleton), REQ-027, REQ-028 (complete).
IDEATE-01..08 ratified and delivered.

---ci---
project: oy
phase: 6
milestone: v0.3
status: complete
tag_base: v0.2.x
phase_role: final
milestone_complete: true
requirements:
  covered: [REQ-010, REQ-022, REQ-023, REQ-024, REQ-025, REQ-026, REQ-027, REQ-028]
  partial: []
---/ci---
2026-08-17 22:35:36 +00:00

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Markdown

# 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.