Propose: Exit & Portability

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

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/discount-reward.md

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+---
+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/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

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+---
+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/loop-classification.md

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+---
+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/recourse-dispute.md

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+---
+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.
+