Merge commit '8bd890a62f304621bb93a5cef556151ba5362df0'

README.md

@@ -223,3 +223,116 @@ For more information, visit:
 - [BlackRoad OS Core](https://github.com/BlackRoad-OS/blackroad-os-core)
 - [BlackRoad OS Agents](https://github.com/BlackRoad-OS/blackroad-os-agents)
 - [BlackRoad OS Docs](https://github.com/BlackRoad-OS/blackroad-os-docs)
+# blackroad-os-pack-finance
+
+💼 **REPO:** blackroad-os-pack-finance  
+**ROLE:** Finance Pack 💼💰 – ledgers, workflows, and controls for money-related flows inside BlackRoad OS.
+
+## 🎯 MISSION
+
+- Provide **finance-grade flows** as a modular Pack in BlackRoad OS (not a random spreadsheet jungle).
+- Encode ledgers, approvals, reporting, and reconciliation logic in a way agents + humans can both use.
+- Keep all money-adjacent actions structured, auditable, and compliance-aware.
+
+## 🏗️ YOU OWN (✅)
+
+### 💰 Finance workflows
+
+- Flows for invoices, payouts, fees, subscriptions, and budgets 💳
+- State machines for money moves: requested → approved → executed → reconciled 🔁
+- Hooks into external providers (Stripe, banking, accounting tools) via APIs 🌐
+
+### 📓 Templates & schemas
+
+- Standard data shapes for: transaction, ledger entry, adjustment, account 🧬
+- Templates for finance reports (P&L-style views, runway, MRR, etc.) 📊
+- Checklists for "launching a new paid product" or "updating pricing" ✅
+
+### 🤖 Agent behavior
+
+- "Finance helper" agents (charge checker, reconciliation assistant, anomaly spotter) 🤖
+- What they can **auto-suggest** vs what must be **human-approved** 🧍‍♀️
+- Notification rules (when to alert ops/CEO/legal) 📡
+
+### 📊 Integration glue
+
+How finance data is surfaced in:
+
+- `blackroad-os-prism-console` (finance dashboards) 🕹️
+- `blackroad-os-archive` (immutable finance-related event logs) 🧾
+- `blackroad-os-operator` (jobs like "daily reconciliation sweep") ⚙️
+
+## 🚫 YOU DO *NOT* OWN
+
+- 🚫 Core app identity/domain models → `blackroad-os-core` 🧠
+- 🚫 Infra-as-code / secrets → `blackroad-os-infra` ☁️
+- 🚫 Edge routing → `blackroad-os-api-gateway` 🌉
+- 🚫 General docs / mission / handbook → `blackroad-os-docs` / `-home` 📚🏠
+- 🚫 Legal/compliance pack rules → `blackroad-os-pack-legal` 💼⚖️
+- 🚫 Raw system logs → `blackroad-os-archive` 🧾
+
+## 🧪 TESTING / SAFETY
+
+For each workflow (invoice, payout, subscription, etc.):
+
+- ✅ Tests for every state transition 🔁
+- ✅ Tests that ensure idempotency (no accidental double-charge) 🧬
+- ✅ Tests for failure paths (provider error, declined card, network failure) ⚠️
+
+For any calculation logic:
+
+- 🧪 Unit tests with explicit input→output examples
+- 🧪 Round-trip tests where applicable (e.g., sum of ledger entries = reported balance)
+
+## 🔐 COMPLIANCE / RISK GUARDRAILS
+
+This Pack is **financially sensitive**:
+
+- 🚫 No live API keys or account credentials in code or examples
+- 🚫 No real customer PII or account numbers – use synthetic IDs
+- 🧾 Ensure that important events (charges, payouts, refunds, write-offs) are mirrored as archive records
+
+For flows that affect:
+
+- 💵 actual money leaving/entering accounts
+- 🪪 identity / KYC / AML checks
+- ⚖️ regulatory reporting thresholds
+
+Mark clearly:
+
+```
+// HIGH-RISK FINANCE FLOW – HUMAN APPROVAL REQUIRED
+```
+
+## 📏 DESIGN PRINCIPLES
+
+`blackroad-os-pack-finance` = **"finance as a reusable product Pack"**:
+
+- 💼 Plugs into OS similarly to Legal/Education/etc.
+- 🧭 Defines canonical finance workflows and shapes, not infra details.
+
+Each workflow/schema should answer:
+
+1. What business scenario is this for? (subscription, invoice, payout, etc.) 1️⃣
+2. Who/what is allowed to trigger or approve it? (roles/agents) 2️⃣
+3. What audit trail is produced, and where is it stored? (`archive`, external system, etc.) 3️⃣
+
+## 🧬 LOCAL EMOJI LEGEND (SNAPSHOT)
+
+| Emoji | Meaning |
+|-------|---------|
+| 💼 | pack / vertical product |
+| 💰 | money / finance |
+| 📊 | reports / metrics |
+| 🧬 | schemas / ledger shapes |
+| 🤖 | helper agents |
+| ⚠️ | financial risk / failure |
+| 🧾 | audit / reconciliation |
+
+## 🎯 SUCCESS CRITERIA
+
+If a finance-minded human/agent lands here, they should be able to:
+
+1. See the standard finance flows wired into BlackRoad OS (how we handle money stuff). 1️⃣
+2. Understand where human approvals are mandatory vs where agents can automate. 2️⃣
+3. Know how finance events surface in dashboards and archives for reporting + audits. 3️⃣