DarkNode/commerce/README.md

# Commerce - Monero-accepting Businesses
# NodeZero Funchal

## Architecture
CashNet-powered merchant ecosystem where businesses accept Monero with
cash receipts and mesh-verified identity.

## Merchant Categories
- Restaurants & caf6s
- Retail shops
- Hotels & guesthouses
- Healthcare providers
- Education services
- Tourism operators
- Transportation services

## Key Components
- **POS System:** QR code CashNet payments, no banking intermediaries
- **Merchant Registry:** WoT verified businesses with nostr identity
- **Payment Gateway:** CashNet network settlement
- **Treasury Integration:** Monero treasury connection
- **Receipt Ledger:** Cash transaction records
- **Discovery Service:** Mesh-based merchant discovery

## Payment Flow
1. Customer scans merchant QR code
2. CashNet payment routed via mesh
3. Instant settlement to merchant wallet
4. Cash receipt generated
5. Transaction recorded on mesh ledger
6. Merchant rating updated

## Integration Points
- Mesh network (payment routing, identity)
- Monero Ledger (settlement, receipts)
- Workforce (worker payments)
- Governance (treasury management)
- Mobility (driver payments)
- Delivery (delivery payments)

## Features
- Low transaction fees (0.1%)
- Instant settlement (no waiting periods)
- Multi-currency support (XMR, USDC, EUR)
- Cash receipts for accounting
- Mesh verification badge
- Dynamic merchant categories
- Business wallet management
- Automated treasury contributions
- Stablecoin conversion option

## Metrics
| Metric | Target |
|----------|-----|
| Businesses onboarded | 500+ |
| CashNet acceptance rate | 80% of businesses |
| Daily transaction volume | EUR 50K+ |
| Average transaction | EUR 25 |
| Transaction fees per biz | EUR 0.05-0.50/day |

## Implementation
- Phase 1: 100 businesses (core zones A, B, C)
- Phase 2: Full onboarding (all zones, 500+)
- Business wallets on mesh
- POS terminals installed and verified
- Merchant discovery via mesh app

## Future
- Cross-border merchant network
- Smart contract subscriptions
- Merchant loyalty tokens
- B2B mesh payments
- DeFi integration for merchant treasury