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openyield/docs/nomads/maps-pay.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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# 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.