NodeZero Funchal Archipelago Mesh Network

Complete architecture and directory structure for the Funchal micro-economy deployment:

Documentation:
- README.md: Project overview, architecture, services, metrics, governance
- PRD.md: Product requirements document
- ARCHITECTURE.md: Multi-layered mesh architecture, node specs, topology
- GOVERNANCE.md: DAO model, treasury, voting, dispute resolution
- ROADMAP.md: Phased implementation plan (Months 1-24)
- DEPLOYMENT.md: Mesh network deployment guide

Services:
- mobility/: Decentralized ride-sharing
- housing/: Decentralized house-sharing
- logistics/: Local delivery network
- commerce/: Bitcoin-accepting businesses
- workforce/: Job boards, training, competency attestation
- governance/: Mesh services and decentralized operations

Infrastructure:
- infrastructure/: Mesh networks, archipelago nodes (200 nodes), internet
- config/: node.yml, mesh.yml, bitcoin.yml, profiles.yml, redis.yml
- docs/: Funchal service map, business onboarding, mobility plan
- scripts/: Deploy script
- .gitignore

commerce/README.md

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+# Commerce - Bitcoin-Accepting Businesses
+# NodeZero Funchal
+
+## Architecture
+Lightning-powered merchant ecosystem where businesses accept Bitcoin with
+on-chain 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 Lightning payments, no banking intermediaries
+- **Merchant Registry:** Mesh-verified businesses with on-chain identity
+- **Payment Gateway:** Lightning network settlement
+- **Treasury Integration:** Bitcoin treasury connection
+- **Receipt Ledger:** On-chain transaction records
+- **Discovery Service:** Mesh-based merchant discovery
+
+## Payment Flow
+1. Customer scans merchant QR code
+2. Lightning payment routed via mesh
+3. Instant settlement to merchant wallet
+4. On-chain receipt generated
+5. Transaction recorded on mesh ledger
+6. Merchant rating updated
+
+## Integration Points
+- Mesh network (payment routing, identity)
+- Bitcoin 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 (BTC, USDC, EUR)
+- On-chain receipts for accounting
+- Mesh verification badge
+- Dynamic merchant categories
+- Business wallet management
+- Automated treasury contributions
+- Stablecoin conversion option
+
+## Metrics
+| Metric | Target |
+|----------|-----|
+| Businesses onboarded | 500+ |
+| Lightning 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