generated from coulomb/repo-seed
Add commercial identity research corpus and binding concepts
Record deep research on commercial identity coupling across theory, law, regulation, and software (KYC, LEI, DUNS, eIDAS, CRM). Introduce Commercial Commitment, Legal Person, and Beneficial Owner to the canon model and document the fluid-to-bound identity gradient in the conceptual model.
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@@ -144,6 +144,24 @@ as separate relationships or specializations.
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An organization or other actor recognized by a legal system.
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## Legal Person
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A person recognized by law as holder of rights and duties. Includes **Natural
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Person** and juridical persons (**Organization** / **Legal Entity**).
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Use Legal Person when law, registries, or qualified trust services (eIDAS seals,
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LEI) treat the party as a liability-bearing subject. Use Natural Person or
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Organization when the distinction matters for modeling.
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## Beneficial Owner
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A natural person who ultimately owns or controls a legal entity customer in
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regulated commercial contexts (KYC/AML).
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Maps to **Natural Person** linked to **Organization** or **Legal Entity** via
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**Ownership Relationship** or **Representation Relationship**, with **Evidence
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Source** from CDD/EDD onboarding. Not a substitute for Organization actor.
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## Customer
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A commercial role played by an actor (usually an Organization, sometimes a
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@@ -168,6 +186,18 @@ commercial or subscription purpose within a stated scope.
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May reference a Commercial Record for billing state. Does not imply membership,
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authorization, or identity equivalence.
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## Commercial Commitment
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An evidenced obligation that binds commercial parties and raises the cost of
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identity fluidity for counterparties.
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Examples: signed contract, active subscription, payment mandate, regulated
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onboarding acceptance, qualified electronic seal on an agreement.
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Commercial Commitment carries lifecycle state (proposed, active, breached,
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fulfilled, expired, revoked) and may attach to Commercial Relationship,
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Commercial Record, or Legal Entity/Organization actors.
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## Commercial Record
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A record in a billing, CRM, or commerce system that tracks payment methods,
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@@ -78,6 +78,13 @@ dimensions (NIST IAL, AAL, FAL). Do not collapse them into a single "trust
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level" on an account. Record assurance metadata on bindings, credentials, and
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federation relationships where sources provide it.
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## P15. Model Commercial Binding Explicitly
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When commercial activity creates reliance between parties, model the binding
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artifacts: Commercial Relationship, Commercial Record, Commercial Commitment,
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and supporting Evidence. Fluid identity is valid when stakes are low; do not
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force login or CRM identifiers to carry commercial liability by default.
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## P14. Separate Commercial Records From Accounts
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Billing customers (Stripe), CRM accounts (Salesforce), and login accounts are
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