Merge proposal: stored-value

On-behalf-of: Ben Stull <ben.stull>

rfcs/stored-value.md

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+---
+slug: stored-value
+title: Stored Value / Credit
+state: super-draft
+id: null
+repo: null
+proposed_by: ben.stull@wiggleverse.org
+proposed_at: '2026-06-01'
+graduated_at: null
+graduated_by: null
+owners:
+- ben.stull
+arbiters: []
+tags:
+- payments
+---
+
+Stored Value is the root money concept the ecommerce platform's credit model hangs on: value a Human has loaded and now holds on the platform, deliberately constrained — not cashable, not transferable out, and explicitly not a stablecoin. The constraint is not incidental; it *is* the definition, and it must be defined in relation to the Human whose money it is. Removing cash-out closes the redemption-fraud vector and the money-transmission trigger — but it also removes an exit the Human would otherwise have, so the concept must hold that tension in the open rather than hide it behind 'store credit.'
+
+Establishing Stored Value as a first-class OHM entity lets every downstream mechanic — Load, Settlement, Discount, Breakage, Float — cite one contestable definition of 'what the balance is' instead of each re-deriving it. It serves Agency (the Human's own money, with its exit deliberately removed) and Temporality (a balance persists, and a person's relationship to it changes over time). It is also where OHM broadens to hold a commerce noun, defined in service of the Human rather than the ledger.
+