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.
