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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2026-06-21 20:53:18 +02:00
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commit d4a85ec04c
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@@ -144,6 +144,24 @@ as separate relationships or specializations.
An organization or other actor recognized by a legal system.
## Legal Person
A person recognized by law as holder of rights and duties. Includes **Natural
Person** and juridical persons (**Organization** / **Legal Entity**).
Use Legal Person when law, registries, or qualified trust services (eIDAS seals,
LEI) treat the party as a liability-bearing subject. Use Natural Person or
Organization when the distinction matters for modeling.
## Beneficial Owner
A natural person who ultimately owns or controls a legal entity customer in
regulated commercial contexts (KYC/AML).
Maps to **Natural Person** linked to **Organization** or **Legal Entity** via
**Ownership Relationship** or **Representation Relationship**, with **Evidence
Source** from CDD/EDD onboarding. Not a substitute for Organization actor.
## Customer
A commercial role played by an actor (usually an Organization, sometimes a
@@ -168,6 +186,18 @@ commercial or subscription purpose within a stated scope.
May reference a Commercial Record for billing state. Does not imply membership,
authorization, or identity equivalence.
## Commercial Commitment
An evidenced obligation that binds commercial parties and raises the cost of
identity fluidity for counterparties.
Examples: signed contract, active subscription, payment mandate, regulated
onboarding acceptance, qualified electronic seal on an agreement.
Commercial Commitment carries lifecycle state (proposed, active, breached,
fulfilled, expired, revoked) and may attach to Commercial Relationship,
Commercial Record, or Legal Entity/Organization actors.
## Commercial Record
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
level" on an account. Record assurance metadata on bindings, credentials, and
federation relationships where sources provide it.
## P15. Model Commercial Binding Explicitly
When commercial activity creates reliance between parties, model the binding
artifacts: Commercial Relationship, Commercial Record, Commercial Commitment,
and supporting Evidence. Fluid identity is valid when stakes are low; do not
force login or CRM identifiers to carry commercial liability by default.
## P14. Separate Commercial Records From Accounts
Billing customers (Stripe), CRM accounts (Salesforce), and login accounts are