Delete rfcs/wisespeechcommerce.md

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

rfcs/agency-anti-manipulation.md

@@ -1,5 +1,5 @@
 ---
-slug: agencyantimanipulation
+slug: agency-anti-manipulation
 title: Agency & Anti-Manipulation
 state: super-draft
 id: null

rfcs/breakage.md

@@ -0,0 +1,19 @@
+---
+slug: breakage
+title: Breakage
+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
+---
+
+Breakage is value a Human paid for and may never receive goods against — from rounding and from dormant balances — and it is the sharpest ethics test in the entire product, because the platform profits from money the person never spent. This RFC defines Breakage in relation to the Human who is owed it, not merely as platform revenue. It serves Dignity and is bound tightly to Non-Extraction and Duty of Care.
+

rfcs/dignity-commerce.md

@@ -1,5 +1,5 @@
 ---
-slug: dignitycommerce
+slug: dignity-commerce
 title: Dignity in Commerce
 state: super-draft
 id: null

rfcs/discount-reward.md

@@ -0,0 +1,19 @@
+---
+slug: discount-reward
+title: Discount / Reward
+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
+---
+
+The platform grants its discount at spend rather than at load, which is precisely what keeps balances parked in the ecosystem. This RFC defines Discount/Reward and names that parking effect honestly as a lock-in lever, so it is argued in the open rather than operating silently. It serves Agency by making the incentive visible and contestable.
+

rfcs/duty-of-care.md

@@ -1,5 +1,5 @@
 ---
-slug: dutyofcare
+slug: duty-of-care
 title: Duty of Care & Vulnerability
 state: super-draft
 id: null

rfcs/epistemic-authority.md

@@ -1,5 +1,5 @@
 ---
-slug: epistemicauthority
+slug: epistemic-authority
 title: Epistemic Authority
 state: super-draft
 id: null

rfcs/exit-portability.md

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+---
+slug: exit-portability
+title: Exit & Portability
+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:
+- governance
+---
+
+A platform that holds a Human's data, catalog, or balance hostage has converted convenience into a trap. This RFC defines Exit and Portability: the guarantee that a customer or merchant can leave and take what is theirs. It is the structural defense against lock-in, serving Agency.
+

rfcs/float.md

@@ -0,0 +1,19 @@
+---
+slug: float
+title: Float
+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
+---
+
+Float is the pool of outstanding prepaid balances the platform holds and can earn yield on — other people's money, held in trust. This RFC defines Float with the safeguarding rule built in: the float is protected, holders are not paid interest, and it is never lent out. It serves custody and Dignity, and pairs with Platform Sustainability and Breakage.
+

rfcs/load.md

@@ -0,0 +1,19 @@
+---
+slug: load
+title: Load
+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
+---
+
+A Load is the moment a Human moves real money into stored value, and not all loads are equal. This RFC defines Load and the principle that any reward must be funded by a fee the platform avoided, never stacked on a fee it paid — which is why bank rails can earn a discount and cards cannot. It serves Agency and depends on Informed Consent.
+

rfcs/loop-classification.md

@@ -0,0 +1,19 @@
+---
+slug: loop-classification
+title: Closed- vs Open-Loop Classification
+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
+---
+
+Whether stored value is clean store credit or a regulated money-transmission instrument turns on a single line: does value move only among commonly-owned storefronts, or between unaffiliated owners? This RFC defines that closed- versus open-loop classification, keyed to common ownership rather than storefront count. It documents the regulatory line the two-tier model rests on — it does not clear it, which remains a legal matter for counsel.
+

rfcs/no-retroactive-harm.md

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+---
+slug: no-retroactive-harm
+title: No Retroactive Harm (Terms-Change Governance)
+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:
+- governance
+---
+
+Humans park real money and accept terms under a particular set of rules; changing those rules on balances they have already loaded is a retroactive harm. This RFC defines the governance guarantee that the deal cannot be changed out from under existing balances and commitments. It ties Temporality and Informed Consent into a binding constraint, and it is load-bearing precisely because of stored value.
+

rfcs/non-extraction.md

@@ -1,5 +1,5 @@
 ---
-slug: nonextraction
+slug: non-extraction
 title: Non-Extraction
 state: super-draft
 id: null

rfcs/privacy-data-minimization.md

@@ -1,5 +1,5 @@
 ---
-slug: privacydataminimization
+slug: privacy-data-minimization
 title: Privacy & Data Minimization
 state: super-draft
 id: null

rfcs/recourse-dispute.md

@@ -0,0 +1,19 @@
+---
+slug: recourse-dispute
+title: Recourse & Dispute Resolution
+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:
+- governance
+---
+
+An ethical platform is defined as much by what happens when things go wrong as by its happy path. This RFC defines Recourse: how a wronged Human — buyer or merchant — actually obtains a remedy, and by what fair process. It serves Dignity and fairness, building on the Commercial Relationship.
+

rfcs/refund-reversal.md

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+---
+slug: refund-reversal
+title: Refund, Reversal & Returns
+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:
+- commerce
+---
+
+If an order is a mutual commitment, there must be a defined way to unwind it — cancellations, returns, and refunds that make a Human whole, including restoring stored value. This RFC defines that reversal path so the unhappy case is treated with the same care as the happy one. It serves Dignity and connects to Recourse.
+

rfcs/reputation.md

@@ -0,0 +1,19 @@
+---
+slug: reputation
+title: Reputation
+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:
+- commerce
+---
+
+Reputation systems guide trust but are themselves a source of harm — fake reviews, review extortion, and reputation-as-lock-in. This RFC defines Reputation as its own concept, including its hazards, rather than leaving it as a footnote under reviews. It aims at trust that does not create new ways to coerce or trap a Human.
+

rfcs/settlement.md

@@ -0,0 +1,19 @@
+---
+slug: settlement
+title: Settlement
+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
+---
+
+Value is not real until it has settled, yet platforms routinely act on what is merely shown or pending. This RFC defines Settlement and the principle that 'shown is not received, and received is not settled,' so the platform releases value and goods only against funds it actually holds. It serves Epistemic Authority and is load-bearing for both online checkout and the in-person point of sale.
+

rfcs/transparency-traceability.md

@@ -0,0 +1,19 @@
+---
+slug: transparency-traceability
+title: Transparency & Traceability
+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:
+- governance
+---
+
+Ethics that cannot be checked are just claims. This RFC defines the discipline that every operational mechanic must cite the concept RFC it serves, so the platform's behavior is auditable and traceable back to a stated human commitment. It is the spine that keeps the whole corpus honest — the answer to how 'ethical' becomes verifiable rather than asserted.
+

rfcs/trust-safety.md

@@ -0,0 +1,19 @@
+---
+slug: trust-safety
+title: Trust & Safety / Harm Prevention
+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:
+- commerce
+---
+
+A marketplace that admits any seller and any good is not neutral; it is negligent toward the Humans it exposes to fraud and danger. This RFC defines who may sell and what may be sold — prohibited, dangerous, and counterfeit goods, and scam prevention — as a duty of harm prevention distinct from after-the-fact recourse. It protects buyers and honest merchants alike.
+

rfcs/wise-speech-commerce.md

@@ -1,5 +1,5 @@
 ---
-slug: wisespeechcommerce
+slug: wise-speech-commerce
 title: Wise Speech in Commerce
 state: super-draft
 id: null