Settle commercial identity nuances with consolidated enums and linking rules

Add commercial-identity-nuance-settlement.md resolving control_basis,
binding_trigger, cross-registry Synonymity strengths, OPI branch modeling,
escrow commitment type, reputation portability, payment edge cases, CRM renewal
rules, Person Account adapters, and eIDAS wallet scope. Update canon, OpenQuestions,
and all commercial-identity source notes.

DownstreamRecommendations.md

@@ -135,4 +135,12 @@ later explicit package is extracted.
 - Never store PAN/CVV in identity-layer stores; use Payment Instrument Reference only.
 - Map SetupIntent/mandate success to Payment Mandate Commercial Commitment.
 - Map CRM Opportunity to Pipeline Pursuit; promote to Commercial Commitment only on binding_trigger.
-- Do not treat Salesforce Forecast "Commit" as Commercial Commitment active state.
+- Do not treat Salesforce Forecast "Commit" as Commercial Commitment active state.
+- Use settled enums from `commercial-identity-nuance-settlement.md`: `control_basis`,
+  `binding_trigger`, `commitment_type`, cross-registry Synonymity strengths.
+- Person Account adapters: split Natural Person + Commercial Record; export combined
+  projection only with `projection_mode: person_account_combined`.
+- FinCEN ID → Registry Identifier on Natural Person; BO exemptions → explicit Evidence.
+- LEI↔DUNS Synonymity default medium; LEI↔company reg default strong.
+- Reputation portability: `linked_to` Synonymity weak between Reputation Signals.
+- Oracle/escrow release → Performance Evidence; ADR/court → Adjudication Outcome.

OpenQuestions.md

@@ -200,8 +200,8 @@ collide with authorization and corporate-structure semantics.
 - `research/commercial-identity/beneficial-ownership-kyc-boi.md`
 - `research/commercial-identity/kyc-aml-commercial-identity-binding.md`
 
-**Remaining nuance:** Standard `control_basis` enum across jurisdictions; BOI
-reporting volatility vs. enduring CDD collection obligations.
+**Nuance settled:** `control_basis` enum and separate CDD vs. BOI filing layers.
+See `commercial-identity-nuance-settlement.md`.
 
 ### Reputation as canon concept
 
@@ -224,8 +224,8 @@ enforceability and attribution differences.
 - `research/commercial-identity/commercial-trust-binding-theory.md`
 - `research/commercial-identity/duns-commercial-credit-identity.md`
 
-**Remaining nuance:** Whether segregated platform escrow is `committed` without a
-separate contract artifact; cross-platform reputation portability via Synonymity.
+**Nuance settled:** Escrow → `commitment_type: escrow`; reputation portability
+via weak `linked_to` Synonymity between Reputation Signals. See nuance settlement note.
 
 ### Registry identifier subtype
 
@@ -244,8 +244,8 @@ Link multiple registry IDs for one entity via **Synonymity Assertion**.
 - `research/commercial-identity/lei-gleif-legal-entity-identifier.md`
 - `research/commercial-identity/duns-commercial-credit-identity.md`
 
-**Remaining nuance:** Synonymity strength bands for LEI ↔ DUNS crosswalks; branch
-OPI modeling under ISO 6523.
+**Nuance settled:** Cross-registry Synonymity strength table; OPI → Organization
+Unit / branch Registry Identifier. See nuance settlement note.
 
 ### Payment credential boundary
 
@@ -262,6 +262,19 @@ to charge maps to **Payment Mandate** (**Commercial Commitment**,
 - `research/commercial-identity/payment-credential-pci-boundary.md`
 - `research/commercial-subscription/stripe-customer-billing.md`
 
+**Nuance settled:** Network tokens, shared instrument refs, wallet balance as
+Commercial Record attribute. See `commercial-identity-nuance-settlement.md`.
+
+### Commercial identity nuance settlement (2026)
+
+**Status:** Resolved — consolidated in `commercial-identity-nuance-settlement.md`.
+
+Covers: `control_basis` and BOI/CDD layering; registry crosswalk strengths;
+OPI branch modeling; assurance tier vs. numeric score; escrow commitment type;
+reputation portability; oracle vs. adjudicated outcomes; `binding_trigger` enum;
+renewal amendment vs. new pursuit; Person Account adapter projection; eIDAS seal
+and EUDI wallet Scope.
+
 ## New Questions From Corpus Review
 
 ### Cerbos derived roles vs. explicit relationships

canon/CanonicalGlossary.md

@@ -76,8 +76,10 @@ lifecycle.
 Examples: LEI (ISO 17442 / ICD 0199), national company registration number,
 SAM.gov UEI, VAT number, ALEI (ISO 8000-116).
 
-Recommended fields: `scheme` (ICD or scheme URI), `authority`, `authority_class`,
-`jurisdiction`, `value`, `renewal_required`, `lifecycle_state`, `evidence_source`.
+Recommended fields: `scheme` (ICD or scheme URI), `authority`, `authority_class`
+(`government_registry`, `regulatory_global`, `commercial_proxy`, `tax`,
+`industry_association`), `jurisdiction`, `value`, optional `organization_part_id`
+(ISO 6523 OPI for branches), `renewal_required`, `lifecycle_state`, `evidence_source`.
 
 Registry records (GLEIF entry, D&B profile, SAM registration) map to
 **Commercial Record** or **Identity Record**, not to the identifier itself.
@@ -102,7 +104,8 @@ sector, tenant, realm, application, namespace, or other scope.
 Evidence or secret material used to prove control, entitlement, or a claim.
 
 Examples: password, passkey, certificate, hardware token, verifiable
-credential, recovery code, signed assertion.
+credential, qualified electronic seal (`credential_type: qualified_seal`),
+recovery code, signed assertion.
 
 Excludes: payment card PAN, CVV, track data, and other PCI cardholder data —
 those stay in payment-provider or PCI-scoped downstream vaults. Excludes
@@ -206,7 +209,9 @@ Recommended metadata:
 - `ownership_prong` — meets equity threshold (e.g., 25%+).
 - `control_prong` — meets substantial control/management test.
 - `equity_percentage` — when ownership prong applies.
-- `control_basis` — role basis when control prong applies (e.g., CEO, managing member).
+- `control_basis` — `senior_managing_official`, `chief_executive`, `chief_financial`,
+  `managing_member`, `general_partner`, `board_chair`, `trustee`, `settlor_with_control`,
+  or `other_control` (with detail text).
 - `intermediary_chain` — trust or entity look-through when required.
 - `regulatory_basis` — CDD Rule, national statute, or registry filing type.
 - `scope`, `evidence_reference`, `lifecycle_state`.
@@ -214,6 +219,15 @@ Recommended metadata:
 Do not model as an Ownership subtype. Operational ownership (records, tenants,
 resources, corporate parents) uses **Ownership Relationship** separately.
 
+## Beneficial Ownership Exemption
+
+**Evidence Source** recording that a Legal Entity or Organization customer is
+**exempt** from beneficial ownership collection under a stated rule (e.g.,
+publicly traded, government entity, regulated financial institution).
+
+Use explicit exemption Evidence instead of inferring from absent BO relationships.
+Carries `exemption_type`, `regulatory_basis`, and `lifecycle_state`.
+
 ## Customer
 
 A commercial role played by an actor (usually an Organization, sometimes a
@@ -252,7 +266,12 @@ fulfilled, expired, revoked) and may attach to Commercial Relationship,
 Commercial Record, or Legal Entity/Organization actors.
 
 Recommended `commitment_type`: `contract` | `subscription` | `payment_mandate` |
-`regulatory_onboarding` | `purchase_order` | other.
+`purchase_order` | `escrow` | `regulatory_onboarding` | `amendment` | other.
+
+`binding_trigger` on promotion from **Pipeline Pursuit**: `quote_accepted`,
+`loi_signed`, `purchase_order_executed`, `contract_executed`, `subscription_activated`,
+`regulatory_onboarding_complete`, `org_policy_closed_won` (downstream policy
+Evidence required).
 
 Does not include CRM pipeline stages by default — see **Pipeline Pursuit**.
 Salesforce Forecast "Commit" category is sales confidence, not this concept.
@@ -287,11 +306,12 @@ binding **Commercial Commitment** exists.
 Examples: Salesforce Opportunity, HubSpot deal, renewal pursuit on existing
 account.
 
-Carries `stage`, `forecast_category`, expected amount/date, and `lifecycle_state`
-(open, won, lost). Stage changes are **Evidence Source** (internal telemetry);
-they do not alone create Commercial Commitment. Promote to commitment only when
-a `binding_trigger` is satisfied (signed quote/LOI → `proposed`; executed
-contract/PO/subscription → `active`).
+Carries `stage`, `forecast_category`, `pursuit_role` (`customer`, `partner`,
+`vendor`), expected amount/date, and `lifecycle_state` (open, won, lost).
+Stage changes are **Evidence Source** (internal telemetry); they do not alone
+create Commercial Commitment. Promote only on `binding_trigger`. Renewals on an
+existing contract use **commitment amendment** on the prior Commercial Commitment
+(optional Pipeline Pursuit for forecast); competitive rebids use new Pipeline Pursuit.
 
 ## Commercial Record
 

model/ConceptualModel.md

@@ -254,6 +254,36 @@ adjudicated tiers require Legal Entity / Organization actors.
 No standalone Reputation entity — aggregate downstream if needed; preserve tier
 provenance in canon.
 
+Optional `numeric_score` + `score_scale` on Evidence Source for downstream; tier
+enum remains canonical primary (see `commercial-identity-nuance-settlement.md`).
+
+Platform escrow with segregated funds → `Commercial Commitment` `commitment_type:
+escrow` (committed tier), not observed-only.
+
+## Standard Commercial Enums
+
+Settled nuance enums (full rationale in `commercial-identity-nuance-settlement.md`):
+
+**`control_basis`** (Beneficial Ownership Relationship): `senior_managing_official`,
+`chief_executive`, `chief_financial`, `managing_member`, `general_partner`,
+`board_chair`, `trustee`, `settlor_with_control`, `other_control` (+ detail text).
+
+**`binding_trigger`** (Pipeline Pursuit → Commercial Commitment): `quote_accepted`,
+`loi_signed`, `purchase_order_executed`, `contract_executed`, `subscription_activated`,
+`regulatory_onboarding_complete`, `org_policy_closed_won` (requires policy Evidence).
+
+**`commitment_type`** (Commercial Commitment): `contract`, `subscription`,
+`payment_mandate`, `purchase_order`, `escrow`, `regulatory_onboarding`, `amendment`.
+
+**`authority_class`** (Registry Identifier): `government_registry`, `regulatory_global`,
+`commercial_proxy`, `tax`, `industry_association`.
+
+**Cross-registry Synonymity default strength:** LEI↔company reg/ALEI/UEI strong;
+LEI↔DUNS medium; DUNS↔company reg medium.
+
+**Reputation portability:** Synonymity `linked_to`, weak default, between Reputation
+Signals across scopes.
+
 ## Scenario Gaps
 
 No scenario requires glossary or principle changes that the current model

research/CorpusIndex.md

@@ -69,6 +69,7 @@ The repository is focused on research and terminology. The corpus should collect
 - `reputation-assurance-gradient.md`
 - `payment-credential-pci-boundary.md`
 - `crm-pipeline-commitment-threshold.md`
+- `commercial-identity-nuance-settlement.md`
 
 ## Source Note Template
 

research/commercial-identity/beneficial-ownership-kyc-boi.md

@@ -164,10 +164,14 @@ the target of a Beneficial Ownership Relationship — not a participation root.
 
 ## Open Questions
 
-- Standard `control_basis` enum across jurisdictions (US CDD vs. EU AMLD wording).
-- Whether BOI FinCEN ID should map to Registry Identifier or generic Identifier.
-- Modeling **exempt** legal entity customers (publicly traded, government) as
-  absence of BO relationship vs. explicit exemption Evidence.
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
+
+## Settled
+
+- `control_basis` enum — jurisdiction-neutral role codes + `regulatory_basis`.
+- FinCEN ID → **Registry Identifier** on Natural Person.
+- Exempt entities → **Beneficial Ownership Exemption** Evidence (not absence).
+- BOI filing volatility separated from CDD Beneficial Ownership Relationships.
 
 ## References
 

research/commercial-identity/commercial-identity-nuance-settlement.md

@@ -0,0 +1,240 @@
+# Commercial Identity Nuance Settlement (2026)
+
+## Source Type
+
+identity-canon adjudication note — resolves remaining open questions and
+"remaining nuance" items across the commercial-identity research stack.
+
+## Domain
+
+Standard enums, cross-registry linking rules, regulatory layering, and adapter
+guidance for commercial identity edge cases.
+
+## Beneficial Ownership Nuances
+
+### `control_basis` enum (settled)
+
+Use a **jurisdiction-neutral role code** on Beneficial Ownership Relationship,
+plus `regulatory_basis` for program-specific rules.
+
+| `control_basis` | Typical sources |
+| --- | --- |
+| `senior_managing_official` | FATF generic; US CDD control prong when no other role fits |
+| `chief_executive` | CEO, managing director, president, executive director |
+| `chief_financial` | CFO, treasurer with control |
+| `managing_member` | LLC managing member |
+| `general_partner` | Partnership general partner |
+| `board_chair` | Chair with operational control |
+| `trustee` | Trust with management control |
+| `settlor_with_control` | Settlor retaining control over trust |
+| `other_control` | Catch-all — require `control_basis_detail` free text |
+
+`regulatory_basis` values: `us_cdd`, `us_boi_cta`, `eu_amld`, `fatf_r24`, `national_statute`.
+
+US CDD "significant responsibility to control, manage, or direct" maps to the
+most specific code available, else `senior_managing_official`. EU AMLD "senior
+managing official" maps directly. Store **one** control-prong person per US CDD
+rule; multiple ownership-prong persons allowed.
+
+### FinCEN ID (settled)
+
+FinCEN ID for BOI filers maps to **Registry Identifier**:
+
+- `authority_class: government_registry`
+- `scheme: fincen_individual_id` (or jurisdiction-specific extension)
+- `jurisdiction: US`
+- Attached to **Natural Person**, not Organization.
+
+### Exempt legal entity customers (settled)
+
+Do not rely on absence of Beneficial Ownership Relationships. Record explicit
+**Beneficial Ownership Exemption** as **Evidence Source** on the Legal Entity /
+Organization with:
+
+- `exemption_type`: `publicly_traded`, `government_entity`, `regulated_financial_institution`, `subsidiary_of_exempt_parent`, `other`
+- `regulatory_basis`, `evidence_reference`, `lifecycle_state`
+
+Absence alone is ambiguous (not collected vs. exempt vs. not applicable).
+
+### BOI filing volatility vs. CDD (settled)
+
+Separate regulatory layers in canon — do not merge:
+
+| Layer | Canon artifact | Volatility |
+| --- | --- | --- |
+| CDD beneficial ownership | Beneficial Ownership Relationship | Stable for covered FIs; collection obligation endures |
+| BOI registry filing | Evidence Source (`evidence_type: boi_filing`) | Jurisdiction-dependent; track lifecycle downstream |
+| Transparency registry | Evidence Source (`evidence_type: bo_registry_extract`) | Per national register |
+
+Canon does not prescribe legal outcomes; downstream adapters apply current statute.
+CDD relationships remain even when BOI filing requirements change.
+
+## Registry Identifier Nuances
+
+### `authority_class` extension (settled)
+
+Add `industry_association` for identifiers issued by trade, standards, or
+procurement bodies without government incorporation authority:
+
+- NCAGE / CAGE (defense supplier ID)
+- GS1 GLN when used as organization/location key in supply chain
+
+Retain `government_registry`, `regulatory_global`, `commercial_proxy`, `tax`.
+
+### Cross-registry Synonymity strength (settled)
+
+| Link | Default strength | Notes |
+| --- | --- | --- |
+| LEI ↔ national company reg / ALEI | **strong** | Same legal entity when LOU or government register confirms |
+| LEI ↔ UEI | **strong** | When SAM.gov or authoritative crosswalk confirms |
+| LEI ↔ DUNS | **medium** | D&B may assign per location; proxy authority |
+| DUNS ↔ UEI | **medium** | Historical procurement migration |
+| DUNS ↔ company reg | **medium** | Branch/location mismatch common |
+| company reg ↔ ALEI | **authoritative** | Same register encoding |
+
+Use `relation_type: same_as` when strength is strong or authoritative;
+`linked_to` for medium. Require `evidence_reference` (crosswalk, operator verify).
+
+### ISO 6523 OPI / branch modeling (settled)
+
+ISO 6523 **organization part identifier (OPI)** models a **branch or org unit**,
+not a separate legal entity by default:
+
+- Store OPI on **Registry Identifier** as optional `organization_part_id`.
+- Map branch to **Organization Unit** (Group specialization) or child **Organization**
+  when operationally distinct.
+- Branch DUNS + parent LEI: link branch Proxy Commercial Identifier to parent
+  Organization via structural relationship; Synonymity Assertion (medium) between
+  branch DUNS and parent LEI when same legal entity confirmed.
+
+## Reputation and Assurance Nuances
+
+### `assurance_tier` vs. numeric score (settled)
+
+**Primary:** `assurance_tier` enum (`opinion` | `observed` | `committed` | `adjudicated`).
+
+**Optional:** `numeric_score` + `score_scale` on Evidence Source for downstream
+(e.g., PAYDEX 0–100, star rating 1–5). Downstream maps score ranges to tiers;
+canon does not merge tiers from scores alone.
+
+### Platform escrow without separate contract (settled)
+
+Segregated escrow with defined release conditions is **committed** tier:
+
+- Model **Commercial Commitment** `commitment_type: escrow`
+- Evidence Source: platform escrow terms, payment-provider escrow object, or
+  marketplace buyer-protection policy accepted at transaction time
+- Funds segregation + conditional release = commitment, not merely observed metric
+
+### Cross-platform reputation portability (settled)
+
+Portable reputation uses **Synonymity Assertion** between **Reputation Signal**
+Evidence Sources:
+
+- Default `relation_type: linked_to` (not `same_as`)
+- Default strength: **weak**
+- Upgrade to medium only with verified identity bridge (same Natural Person proof,
+  verified purchase on both platforms, operator confirmation)
+- Require `portability_evidence` reference; scope must list both platforms
+
+### Smart-contract / oracle outcomes (settled)
+
+| Outcome type | Tier | Canon |
+| --- | --- | --- |
+| On-chain condition check (oracle, escrow release) | observed | Performance Evidence |
+| Binding ADR with identified parties (incl. on-chain tribunal with published rules) | adjudicated | Adjudication Outcome |
+| Court judgment enforced on-chain | adjudicated | Adjudication Outcome |
+
+Automation alone does not elevate to adjudicated without identifiable dispute
+authority and parties.
+
+## Payment Nuances
+
+### Network tokens e.g. Visa VTS (settled)
+
+Network tokens map to **Payment Instrument Reference**:
+
+- `instrument_type: network_token`
+- `network_token_service` (e.g., `visa_vts`, `mastercard_mdes`)
+- Same lifecycle and PCI boundary as `pm_xxx` references
+
+### Shared payment methods across org customers (settled)
+
+One Payment Instrument Reference may attach to **multiple Commercial Records**
+within the same payment-provider org **Scope**:
+
+- `sharing_scope: payment_provider_org`
+- `shared_across_records: [commercial_record_ids]`
+- Do not Synonymity-merge Commercial Records — only share the instrument reference
+
+### Customer wallet balance (settled)
+
+Provider ledger balance (Stripe Customer balance) is a **Commercial Record**
+attribute `provider_ledger_balance` — not a Credential, not a Commercial Commitment.
+Currency and provider scope required.
+
+## CRM and Pipeline Nuances
+
+### `binding_trigger` enum (settled)
+
+| Value | Commitment state | Typical evidence |
+| --- | --- | --- |
+| `quote_accepted` | proposed | CPQ acceptance, e-sign |
+| `loi_signed` | proposed | Signed LOI |
+| `purchase_order_executed` | active | PO record |
+| `contract_executed` | active | Signed agreement |
+| `subscription_activated` | active | Billing webhook |
+| `regulatory_onboarding_complete` | active | KYC/KYB completion |
+| `org_policy_closed_won` | active only if org maps Closed Won → executed contract **and** policy documented as Evidence |
+
+`org_policy_closed_won` is downstream-configured; canon requires explicit Evidence.
+
+### Renewal Opportunity (settled)
+
+| Situation | Canon treatment |
+| --- | --- |
+| Renewal on existing contract (same agreement extended) | **Commitment amendment** Evidence on existing Commercial Commitment; optional Pipeline Pursuit for forecast tracking |
+| Competitive rebid / new agreement cycle | New **Pipeline Pursuit** |
+| Material term change | Commitment amendment + may create Pipeline Pursuit |
+
+Rule: if `amends_commitment_id` is set and change type is `renewal` or `amendment`,
+do not create a new root Commercial Commitment unless terms are net-new contract.
+
+### Partner vs. customer Opportunity (settled)
+
+Same **Pipeline Pursuit** type with `pursuit_role`:
+
+- `customer` (default)
+- `partner` (channel, alliance)
+- `vendor` (reverse sourcing)
+
+Role affects **Commercial Relationship** typing, not Pipeline Pursuit structure.
+
+### Person Account adapter guidance (settled)
+
+Salesforce Person Account and similar B2C shortcuts:
+
+- **Canon storage:** Natural Person + Commercial Record (split layers)
+- **Adapter projection:** `projection_mode: person_account_combined` on export only
+- Do not introduce Person Account as canonical root; discourage unified tables in
+  downstream schema without layer tags
+
+## eIDAS / EUDI Nuances (commercial stack)
+
+### Qualified electronic seal (settled)
+
+Maps to **Credential** with `credential_type: qualified_seal`, bound to
+**Organization** / **Legal Entity** through **Representation Relationship**
+(signing officer or mandated agent). Distinct from login Credential.
+
+### EUDI organizational wallet Scope (settled)
+
+Organizational wallet is a **Scope** specialization (`wallet_scope`) holding
+wallet-hosted **Credentials** and **Claims** — not a **Tenant** (no admin
+isolation semantics). Link wallet Scope to **Commercial Record** and Organization
+actor via Commercial Relationship.
+
+## References
+
+All prior commercial-identity source notes. This note supersedes their Open
+Questions sections where marked settled below.

research/commercial-identity/commercial-identity-synthesis.md

@@ -121,13 +121,13 @@ Model as lifecycle events, not silent merges:
 
 ## Research Gaps
 
-- Standard `binding_trigger` enum across CRM adapters.
-- Network token (Visa VTS) mapping to Payment Instrument Reference.
-- Smart contracts and automated Commercial Commitment lifecycle.
-- Synonymity strength bands for LEI ↔ DUNS ↔ company reg crosswalks.
-- Cross-platform reputation portability (Synonymity between Reputation Signals).
-- Smart-contract / oracle outcomes — observed vs. adjudicated tier placement.
-- Standard `control_basis` enum for Beneficial Ownership across jurisdictions.
+- Smart contracts and automated Commercial Commitment lifecycle (implementation patterns).
+- National statute variants beyond settled enum baselines (downstream legal config).
+
+## Nuance settlement
+
+Commercial identity edge-case enums and linking rules are consolidated in
+`commercial-identity-nuance-settlement.md` (2026).
 
 ## Source Notes in This Stack
 
@@ -143,6 +143,7 @@ Model as lifecycle events, not silent merges:
 - `reputation-assurance-gradient.md`
 - `payment-credential-pci-boundary.md`
 - `crm-pipeline-commitment-threshold.md`
+- `commercial-identity-nuance-settlement.md`
 - `../commercial-subscription/b2b-saas-subscriber-tenancy.md`
 - `../commercial-subscription/stripe-customer-billing.md`
 

research/commercial-identity/crm-pipeline-commitment-threshold.md

@@ -141,10 +141,13 @@ tier — internal sales telemetry). They support **Trust Relationship** only for
 
 ## Open Questions
 
-- Standard `binding_trigger` enum for cross-CRM adapters.
-- Whether **renewal Opportunity** on existing contract is Pipeline Pursuit or
-  commitment amendment (lean: amendment on existing Commercial Commitment).
-- Partner Opportunity vs. customer Opportunity — same Pipeline Pursuit type with role metadata.
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
+
+## Settled
+
+- `binding_trigger` enum — seven values including `org_policy_closed_won`.
+- Renewal on same contract → commitment amendment; rebid → new Pipeline Pursuit.
+- `pursuit_role`: customer | partner | vendor on Pipeline Pursuit.
 
 ## References
 

research/commercial-identity/duns-commercial-credit-identity.md

@@ -77,11 +77,12 @@ interest among counterparties.
 
 ## Open Questions
 
-- Numeric score vs. assurance_tier band mapping in downstream risk engines.
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
 
-## Resolved (see reputation-assurance-gradient.md)
+## Settled
 
-- PAYDEX and credit scores → **Performance Evidence** (observed tier), not opinion-tier Reputation Signal.
+- PAYDEX → Performance Evidence; `numeric_score` optional; tier enum primary.
+- LEI↔DUNS Synonymity default **medium**.
 
 ## References
 

research/commercial-identity/eidas-eudi-legal-person-wallet.md

@@ -88,8 +88,12 @@ persons** carrying verifiable credentials for B2B and B2G exchange.
 
 ## Open Questions
 
-- Should qualified electronic seal be Credential subtype tied to Legal Entity only?
-- How should EUDI organizational wallet Scope relate to Tenant vs. Commercial Record?
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
+
+## Settled
+
+- Qualified seal → **Credential** `credential_type: qualified_seal` via Representation.
+- Org wallet → **Scope** `wallet_scope`, linked to Commercial Record — not Tenant.
 
 ## References
 

research/commercial-identity/kyc-aml-commercial-identity-binding.md

@@ -90,12 +90,12 @@ high-stakes counterparty records**.
 
 ## Open Questions
 
-- Standard `control_basis` enum across US CDD and EU AMLD wording.
-- How to model BOI registry volatility in lifecycle without canon becoming legal advice?
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
 
-## Resolved (see beneficial-ownership-kyc-boi.md)
+## Settled
 
-- Beneficial Owner → **Beneficial Ownership Relationship** (dedicated type, not Ownership subtype).
+- Beneficial Owner → **Beneficial Ownership Relationship**; `control_basis` enum;
+  CDD vs. BOI filing layered separately.
 
 ## References
 

research/commercial-identity/lei-gleif-legal-entity-identifier.md

@@ -82,12 +82,11 @@ requirements.
 
 ## Open Questions
 
-- Synonymity strength when linking LEI to DUNS or national company reg numbers.
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
 
-## Resolved (see registry-identifier-subtypes.md)
+## Settled
 
-- Authoritative and proxy registry IDs → **Registry Identifier** subtype with
-  authority class and renewal lifecycle.
+- Registry Identifier subtype; LEI↔company reg **strong**; LEI↔DUNS **medium**.
 
 ## References
 

research/commercial-identity/payment-credential-pci-boundary.md

@@ -153,9 +153,13 @@ Evidence Source        → webhooks, mandate PDF, SCA audit
 
 ## Open Questions
 
-- Network tokens (Visa VTS) — same Payment Instrument Reference pattern?
-- Shared payment methods across Stripe org customers — scope on reference.
-- Wallet balances (Stripe Customer balance) — Commercial Record attribute vs. commitment.
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
+
+## Settled
+
+- Network tokens → Payment Instrument Reference `instrument_type: network_token`.
+- Shared methods → multi Commercial Record link within payment org Scope.
+- Wallet balance → Commercial Record `provider_ledger_balance` attribute.
 
 ## References
 

research/commercial-identity/registry-identifier-subtypes.md

@@ -164,9 +164,13 @@ identifier quality affects Evidence strength on BO filings.
 
 ## Open Questions
 
-- Whether `authority_class` enum needs `industry_association` (e.g., NCAGE).
-- Standard Synonymity strength when linking LEI ↔ DUNS (medium vs. strong).
-- PEPPOL / ISO 6523 OPI modeling for branch-level identifiers vs. Organization Unit.
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
+
+## Settled
+
+- `authority_class` includes `industry_association` (NCAGE, GS1 GLN).
+- LEI↔DUNS medium; LEI↔company reg/ALEI/UEI strong; crosswalk table in settlement note.
+- OPI → Organization Unit / branch Registry Identifier with `organization_part_id`.
 
 ## References
 

research/commercial-identity/reputation-assurance-gradient.md

@@ -222,13 +222,14 @@ Evidence Source before modeling.
 
 ## Open Questions
 
-- Standard `assurance_tier` enum vs. numeric score with tier mapping.
-- Whether platform escrow counts as `committed` or `observed` when no separate
-  contract artifact exists (lean: committed when funds legally segregated).
-- Cross-platform reputation portability — Synonymity between Reputation Signals
-  across scopes?
-- Smart-contract automated adjudication (on-chain oracle outcome) — observed or
-  adjudicated?
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
+
+## Settled
+
+- `assurance_tier` primary; optional `numeric_score` + `score_scale` downstream.
+- Segregated escrow → Commercial Commitment `commitment_type: escrow`.
+- Reputation portability → Synonymity `linked_to`, weak default.
+- Oracle release → observed; ADR/court → adjudicated.
 
 ## References
 

research/commercial-identity/salesforce-crm-commercial-record.md

@@ -79,14 +79,13 @@ a company or household you sell to, distinct from **Contact** (people) and **Use
 
 ## Open Questions
 
-- How should Person Account be discouraged in canon-aligned adapters?
-- Renewal Opportunity — Pipeline Pursuit vs. commitment amendment.
+*(none — settled in `commercial-identity-nuance-settlement.md`)*
 
-## Resolved (see crm-pipeline-commitment-threshold.md)
+## Settled
 
-- Opportunity → **Pipeline Pursuit**; Commercial Commitment only on binding trigger
-  (signed LOI/quote, executed PO/contract, active subscription). Forecast "Commit"
-  category is not Commercial Commitment.
+- Opportunity → **Pipeline Pursuit**; binding triggers and renewal/amendment rules.
+- Person Account → split Natural Person + Commercial Record; adapter `projection_mode`
+  only on export.
 
 ## References
 

terminology/TerminologyInventory.md

@@ -68,6 +68,13 @@ has incompatible meanings across source families.
 | arbitration award | Adjudication Outcome | AAA, ICC, JAMS | Adjudicated-tier dispute result. |
 | court judgment | Adjudication Outcome | courts | Adjudicated-tier enforcement outcome. |
 | assurance gradient | Counterparty Assurance Gradient | commercial identity | Four-tier reliance model (opinion → adjudicated). |
+| control_basis | Beneficial Ownership Relationship metadata | FinCEN CDD, EU AMLD | Settled role enum (chief_executive, managing_member, …). |
+| binding_trigger | Pipeline Pursuit promotion | CRM adapters | Settled enum (quote_accepted, contract_executed, …). |
+| fincen id | Registry Identifier (government_registry) | BOI | Natural person government registry ID. |
+| person account | Natural Person + Commercial Record | Salesforce B2C | Adapter projection_mode person_account_combined only. |
+| ncage / cage | Registry Identifier (industry_association) | defense procurement | Industry association authority class. |
+| network token | Payment Instrument Reference | Visa VTS, MDES | instrument_type network_token. |
+| escrow (platform) | Commercial Commitment (escrow) | marketplaces | Committed tier when funds segregated. |
 | kyc / cip | Evidence Source + Assurance | FinCEN, FATF | Regulated commercial identity onboarding. |
 | crm account | Commercial Record | Salesforce | Company/household commercial record. |
 | fluid identity | Persona / weak binding | theory | Low commercial stake; intentional mutability. |