generated from coulomb/repo-seed
tegwick
08361f6fb7
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.
153 lines
6.9 KiB
Markdown
153 lines
6.9 KiB
Markdown
# Commercial Identity Synthesis
|
|
|
|
## Source Type
|
|
|
|
identity-canon research synthesis connecting commercial theory, law, regulation,
|
|
and software practice to the canonical model.
|
|
|
|
## Domain
|
|
|
|
Cross-cutting commercial identity — binding, trust, persistence, and layer separation.
|
|
|
|
## Why This Source Matters
|
|
|
|
This note captures the research prompt: **identity and commerce are tightly coupled
|
|
in practice**. Conceptual or login-only identity can remain fluid when no commercial
|
|
value or enforceable promises attach. **Commercial binding** increases an identity's
|
|
relevance to other actors and creates foundations for trust, shared information, and
|
|
durable relationships.
|
|
|
|
## The Binding Gradient
|
|
|
|
| Stage | Commercial stake | Identity behavior | Canon pattern |
|
|
| --- | --- | --- | --- |
|
|
| Anonymous browse | None | Fluid, discardable | Persona, ephemeral Identifier |
|
|
| Free trial / lead | Low | Pseudonymous, reversible | Account + weak Commercial Record |
|
|
| Paying subscriber | Medium | Stable tenant + billing ID | Organization + Tenant + Commercial Record |
|
|
| KYC/AML customer | High | Verified, monitored, retained | Commercial Record + Evidence + BO linkage |
|
|
| Regulated markets (LEI) | Very high | Renewed legal identity, ownership public | Legal Entity + LEI Identifier + Lifecycle |
|
|
| Contractual enterprise | High | Agency, seals, signatures | Commercial Commitment + Representation |
|
|
|
|
**Insight:** fluidity is not a bug — it is rational when commercial externalities are
|
|
absent. Binding is what makes identity **economically and legally salient**.
|
|
|
|
## Layer Model (Commercial + Identity)
|
|
|
|
```text
|
|
Actor Layer Natural Person, Organization, Legal Entity
|
|
Record Layer Account (access), Commercial Record (billing/CRM/regulatory)
|
|
Reference Layer Identifiers (LEI, DUNS, UEI, VAT, stripe_customer_id)
|
|
Relationship Layer Commercial Relationship, Representation, Ownership, Trust
|
|
Commitment Layer Commercial Commitment (contract, subscription, payment mandate)
|
|
Evidence Layer KYC files, credit history, registry extracts, qualified credentials
|
|
Projection Layer Auth Subject, Auth Principal (unchanged — not commercial roots)
|
|
```
|
|
|
|
Commerce does not replace identity layers; it **selectively hardens** them when
|
|
counterparties must rely, sue, invoice, or report.
|
|
|
|
## How Binding Creates Trust
|
|
|
|
From commercial theory and practice:
|
|
|
|
1. **Attribution**: counterparties know **who** bears liability (legal person, BO, agent).
|
|
2. **Commitment**: contracts, subscriptions, and payment authorizations create **costly exit**.
|
|
3. **Evidence**: KYC, LEI, registry credentials, and credit files provide **verifiable history**.
|
|
4. **Reputation / assurance**: tiered reliance from opinion signals (reviews) through
|
|
observed metrics (PAYDEX) to committed stakes (bonds) and adjudicated outcomes
|
|
(courts) — see **Counterparty Assurance Gradient**.
|
|
5. **Enforcement**: law of agency and contract makes promises **actionable** beyond platform ToS.
|
|
|
|
Trust Relationship in canon should often be **justified by** Commercial Relationship +
|
|
Commercial Commitment + Evidence, not declared ad hoc.
|
|
|
|
## Software Mirrors (Practical)
|
|
|
|
| System | Commercial artifact | Identity separation lesson |
|
|
| --- | --- | --- |
|
|
| Stripe | Customer | Billing ≠ login |
|
|
| Salesforce | Account / Contact | CRM ≠ User |
|
|
| Auth0/Stytch | Organization / Member | Subscriber ≠ billing record |
|
|
| KYC platforms | Customer profile + BO | Regulated counterparty ≠ session |
|
|
| GLEIF | LEI | Legal entity ID for markets |
|
|
| D&B | DUNS + PAYDEX | Credit identity + reputation |
|
|
| eIDAS/EUDI | Legal person wallet | Qualified org credentials |
|
|
|
|
## Canon Decisions From This Research
|
|
|
|
### Rejected
|
|
|
|
- **Customer Account** as canonical type (overloads layers).
|
|
|
|
### Added / strengthened
|
|
|
|
- **Commercial Record** — billing, CRM, regulatory counterparty records.
|
|
- **Commercial Relationship** — vendor/customer commercial link.
|
|
- **Commercial Commitment** — enforceable or costly promise binding parties (contract,
|
|
subscription, payment mandate, regulatory onboarding acceptance).
|
|
- **Beneficial Ownership Relationship** — dedicated type from Natural Person to
|
|
Organization/Legal Entity for KYC/CDD (not Ownership subtype).
|
|
- **Registry Identifier** and **Proxy Commercial Identifier** — Reference layer
|
|
subtypes with authority class, ICD scheme, and renewal lifecycle.
|
|
- **Counterparty Assurance Gradient** — opinion → observed → committed →
|
|
adjudicated; Reputation Signal, Performance Evidence, Adjudication Outcome.
|
|
- **Payment Instrument Reference** + **Payment Mandate** — PCI boundary; not Credential.
|
|
- **Pipeline Pursuit** — CRM Opportunity before Commercial Commitment promotion.
|
|
|
|
### Unchanged roots
|
|
|
|
- **Actor** remains participation root.
|
|
- **Account** remains operational access record.
|
|
- Login, authz, and social layers unchanged; commerce **binds** them when stakes require.
|
|
|
|
## Fluid ↔ Bound Transitions
|
|
|
|
Model as lifecycle events, not silent merges:
|
|
|
|
- Lead → Account (CRM conversion): weak → medium evidence.
|
|
- Opportunity opened: Pipeline Pursuit — not Commercial Commitment until binding trigger.
|
|
- Trial → paid subscription: Commercial Commitment (subscription) + Payment Mandate
|
|
+ Payment Instrument Reference.
|
|
- Org onboarding → KYC complete: raise Assurance Level, add BO relationships.
|
|
- Pseudonym → verified legal person: Synonymity Assertion with strength upgrade and scope change.
|
|
|
|
## Scenario Impact
|
|
|
|
- **S04 (vendor/customer tenants)**: add Commercial Record per customer tenant, Commercial
|
|
Commitment for subscription/contract.
|
|
- **S14 (pseudonymous profile)**: incompatible with active Commercial Commitment unless
|
|
explicitly scoped (e.g., marketplace escrow with privacy partition).
|
|
- **S15 (legal entity + tenants)**: LEI/registry Identifier + Commercial Record + renewals.
|
|
|
|
## Research Gaps
|
|
|
|
- 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
|
|
|
|
- `commercial-trust-binding-theory.md`
|
|
- `legal-person-agency-contract.md`
|
|
- `lei-gleif-legal-entity-identifier.md`
|
|
- `duns-commercial-credit-identity.md`
|
|
- `kyc-aml-commercial-identity-binding.md`
|
|
- `eidas-eudi-legal-person-wallet.md`
|
|
- `salesforce-crm-commercial-record.md`
|
|
- `beneficial-ownership-kyc-boi.md`
|
|
- `registry-identifier-subtypes.md`
|
|
- `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`
|
|
|
|
## References
|
|
|
|
See individual source notes. Primary external anchors: GLEIF/ISO 17442, FinCEN CIP,
|
|
EU eIDAS, D&B DUNS, Salesforce Account model, Auth0/Stytch org tenancy, FATF digital identity. |