Propose: Float

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/cart-order.md

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+---
+slug: cart-order
+title: Cart & Order
+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
+---
+
+An order is commonly modeled as the end of a conversion funnel; in OHM it is a mutual commitment between a buyer and a seller. This RFC defines Cart and Order as that commitment — what each party is promising the other — rather than as a metric to be maximized. It serves Relationality and grounds fulfillment, refunds, and disputes.
+

rfcs/dignitycommerce.md

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+---
+slug: dignitycommerce
+title: Dignity in Commerce
+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:
+- ethics
+---
+
+Buyers and merchants alike can be treated by a platform as means rather than as people — in collections, in disputes, in fees, in failure states. This RFC establishes the floor of Dignity below which no commerce mechanic may push any Human. It is the baseline that the other ethical concepts refine and that every mechanic must clear.
+

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/dutyofcare.md

@@ -0,0 +1,19 @@
+---
+slug: dutyofcare
+title: Duty of Care & Vulnerability
+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:
+- ethics
+---
+
+Some Humans are vulnerable — in financial distress, elderly, or minors — and the platform's money mechanics (stored value, breakage, balance-parking discounts) are exactly the ones that can prey on them. This RFC defines a duty of care toward vulnerability as a first-class commitment, so the sharpest edges of the credit model are watched rather than ignored. It serves Dignity and care, building on Agency and Dignity in Commerce.
+

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/fulfillment-inventory.md

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+---
+slug: fulfillment-inventory
+title: Fulfillment & Inventory
+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
+---
+
+Once an order is a mutual commitment, fulfillment is the keeping of that promise and inventory is its honest basis. This RFC defines Fulfillment and Inventory so that availability is real and shipping is represented truthfully, not optimistically. It protects the trust the Commercial Relationship depends on.
+

rfcs/load.md

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+---
+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/nonextraction.md

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+---
+slug: nonextraction
+title: Non-Extraction
+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:
+- ethics
+---
+
+A platform may need to capture value to survive, but the moment it sustains itself by extracting from the very Humans it serves, it has betrayed them. This RFC defines Non-Extraction as the structural commitment that separates this platform from the Shopify-style model of referral fees, payment markups, and sponsored placement. It is the load-bearing claim behind 'better for owners and customers,' and it makes that claim checkable rather than rhetorical.
+

rfcs/platform-sustainability.md

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+---
+slug: platform-sustainability
+title: Platform Sustainability
+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
+---
+
+Non-Extraction is only credible if there is a concrete, legitimate way for the platform to stay alive. This RFC names those sources — avoided card fees, yield on safeguarded float, and breakage — and explicitly rules out referral fees, ad markups, and payment surcharges. It is the enforcement partner of Non-Extraction: how the platform funds itself without betraying the people it serves.
+

rfcs/price.md

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+---
+slug: price
+title: Price
+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
+---
+
+Price is where a platform most easily deceives — through hidden fees, drip pricing, and surprise charges at the end. This RFC defines Price as honest and all-in: the number a Human sees is the number that governs the exchange. It serves Agency and Wise Speech, and underpins the load and checkout mechanics.
+

rfcs/product-listing.md

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+---
+slug: product-listing
+title: Product & Listing
+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 product listing is the platform's representation of a real good to a real buyer, and it can either inform or mislead. This RFC defines Product and Listing in terms of what they honestly offer the buyer rather than by their conversion potential. It builds on Wise Speech and the Commercial Relationship to keep the catalog truthful.
+

rfcs/refund-reversal.md

@@ -0,0 +1,19 @@
+---
+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/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.
+