Decision register

Topic	Current position	Status
Product	Full recurring-payment orchestration	Agreed direction
Payment mix	Model 90% card / 10% bank	Planning assumption
Custody	Regulated partner safeguarded arrangement	Preferred; legal/provider validation required
Merchant payouts	Full bill amount, daily aggregated	Proposed default
Fees	Monthly subscription and method-specific success fees	Proposed; merchant validation required
Consumer account	Shared profile, merchant-specific mandates	Agreed direction
Wallet	Defer stored-value balances	Proposed
Stack	Next.js, NestJS, PostgreSQL, AWS	Provisional
Workflow engine	Managed durable jobs; Temporal optional	Open
Customer debt discharge	Collection vs merchant receipt	Requires legal advice
Chargeback and liquidity policy	Reserves, settlement and payout eligibility	Open

Raise discussion and changes in GitHub Issues. Keep the repository private and grant reviewers appropriate access.