# PLAN — monetization implementation

Technical, step-by-step implementation of the monetization domain. Business mechanics and
the rationale for every rule live in [`docs/PAYMENTS.md`](docs/PAYMENTS.md) (RU mirror
[`docs/PAYMENTS_ru.md`](docs/PAYMENTS_ru.md)); the frozen owner agreements they both derive
from (the `D1`–`D41` decisions log) live in
[`docs/PAYMENTS_DECISIONS_ru.md`](docs/PAYMENTS_DECISIONS_ru.md) — the authority when a rule
is disputed. This file is the *how*. Each stage is written to be self-sufficient: returning
to it gives full context — goal, exact touch-points, tests, done-criteria, and current
status — without re-deriving decisions.

## How to use this file

- **Stage granularity (E0–E9) is fixed.** Do not split or merge stages. Plan each stage
  densely enough to execute whole.
- **Never leak stage ids into the product.** Code, comments, commit messages, PR
  titles/descriptions must read as finalized feature copy — never "E5", "stage 3", etc.
  Stage ids exist only in this file.
- **Deviations are allowed** when new unknowns surface, but the plan is then edited **whole
  and in agreement** (not piecemeal), keeping it coherent, and `docs/PAYMENTS.md` updated in
  step.
- **Status marks:** each stage header carries `Status: TODO | WIP | DONE`. When a stage
  lands, flip it to DONE and note the PR. The **Progress** table is the at-a-glance index.
- **Per-change discipline** (repo `CLAUDE.md`): update tests at the layers `docs/TESTING.md`
  calls out, bake doc updates into the same PR, run local full verification before pushing,
  feature branch → PR into `development`.

## Progress

| Stage | Title | Release | Status |
|-------|-------|---------|--------|
| E0 | Payments data foundation | 1 | DONE |
| E1 | Trusted platform signal | 1 | DONE |
| E2 | Currency + benefit core | 1 | DONE |
| E3 | Wallet UI | 1 | DONE |
| E4 | Durability (PITR) | 2 | WIP |
| E5 | Payment intake | 2 | TODO |
| E6 | Ads | 2 | TODO |
| E7 | Admin & reports | 2 | TODO |
| E8 | Guest limits | — | TODO |
| E9 | Tournament fee | future | TODO |

**Release 1** = full mechanics with no real money, exercised via `admin_grant` (E0→E1→E2→E3).
**Release 2** = money (E4→E5→E6→E7). E8 is standalone (game-behaviour change, can run in
parallel). E9 is future.

---

## Architecture baseline (applies to all stages)

Read once; individual stages assume it.

### Schema & isolation

- The payments domain owns its **own Postgres schema `payments`** in the shared instance
  (`scrabble` DB). All payments tables are `payments.*`. `backend` schema is untouched
  except for the deprecation of two legacy columns (E2).
- **DB role.** A dedicated **NOLOGIN** role holds ALL privileges on `payments.*` and
  **nothing** on `backend` — grant-based confinement, asserted by a `SET ROLE` isolation
  test. The application still connects on its single (superuser) pool, so these grants are a
  stepping-stone to a real separate login/process, not the runtime wall. The **runtime wall
  is code-level**: only the `internal/payments` package imports the payments jet code and
  issues `payments.*` SQL (an **import-boundary test** enforces it); every other domain
  reaches payments through the narrow Go interface.
- **No cross-schema link at all.** There is **no** foreign key from `payments.*` to
  `backend.accounts`: `account_id` is a plain `uuid`, kept referentially honest in code and
  joined to the tombstoned account / `retained_identities` dossier by the stable id. This
  keeps the spend transaction (ledger INSERT + balance UPDATE + benefit UPDATE) fully
  **within `payments`** and the domain extractable into its own database later. Benefits move
  **into** `payments` (they no longer live on `accounts` — see E2); game code reads them
  through the payments **Go interface**, never via SQL.
- **Money.** Monetary amounts are a single **`bigint` in the currency's minor units** (RUB
  kopecks; Votes/Stars/chips are whole units, scale 1) carried in Go by the `payments.Money`
  value type — the sole constructor/formatter/arithmetic, so **no `float64` ever touches an
  amount** and a whole-unit currency structurally cannot hold a fraction. `chip_rate` is not a
  table: a chip pack is a product, so its per-method rate **is** `product_price`.

### Domain boundary

- New package `backend/internal/payments/` — `payments.go` (types + `Service`),
  `store.go` (`type Store struct{ db *sql.DB }`, go-jet against `internal/postgres/jet/
  payments`), following the `ads` domain shape (`backend/internal/ads/{ads,service,store}.go`).
- Wired in `backend/cmd/backend/main.go` `run()` (construct after `account`, before
  `server.New`), handed into `server.Deps` (`server.go`), routes registered in
  `registerRoutes` gated `if s.payments != nil`, admin section in `registerConsole` gated
  `if s.payments != nil`.
- Game/other domains depend on payments only through a **narrow interface** (e.g.
  `AdFree(ctx, account, platform, present) bool`, `SpendHint(ctx, account, platform, present)
  error`, `Balances(ctx, account, platform, present) …`), where `present` is the set of
  identity sources the account currently holds (`vk`→vk, `telegram`→telegram, `email`→direct;
  `robot` ignored), computed by the caller from `account.Identities` — payments carries no
  cross-schema identity knowledge, so unlink/re-link availability (D14) falls out live. Keep
  the surface small; this is the seam that lets payments become a separate process later
  without touching callers.
- **Read model.** Hot reads (`AdFree`/`HintsAvailable`/`Balances` and the gate) are served
  from an in-process, account-keyed, write-through cache inside the payments package
  (mirroring `account/suspension.go`), invalidated on every payments mutation
  (spend/grant/fund/refund/merge); the payments DB is touched only on a cache miss, so the
  steady-state hot path issues no query to the `payments` schema. The D39 materialized
  `balances`/`benefits` tables stay the in-transaction write target the cache fronts.
  Single-instance, matching the deployment (a multi-instance backend would need a shared
  cache).

### Migrations & codegen

- Migrations: same goose dir `backend/internal/postgres/migrations/`, sequential
  `0000N_*.sql`, `-- +goose Up/Down`, schema-qualified, **expand-contract mandatory**
  (image rollback must stay DB-safe). First payments migration does `CREATE SCHEMA IF NOT
  EXISTS payments`, creates the role, grants.
- **jetgen** (`backend/cmd/jetgen/main.go`) is currently hardwired to `schema=backend`.
  Extend it to also generate `schema=payments` into `internal/postgres/jet/payments/
  {model,table}` (committed). Regenerate only after a payments migration; revert unrelated
  `backend`-schema churn (jetgen may reorder untouched tables — commit only intended diffs).
- Transactions: reuse the local `withTx(ctx, db, fn)` idiom. Balance/benefit mutations are
  guarded single-row atomic UPDATEs (mirror `account.SpendHint`); the ledger INSERT +
  materialized-cache UPDATE go in one `withTx`. Default Read-Committed is sufficient given
  the guarded updates + unique idempotency keys; do not reach for Serializable without a
  demonstrated need.

### Transport

- client ↔ gateway: Connect-RPC + FlatBuffers (h2c). gateway ↔ backend: REST/JSON +
  `X-User-ID` via `gateway/internal/backendclient`. Any user-facing payments call needs the
  full chain: backend REST handler (`u := s.user` group) → `backendclient` method →
  Connect-RPC method + transcode (`gateway/internal/transcode/`) → FlatBuffers schema
  (`pkg/fbs/…`, regen with `make -C pkg fbs` + `pnpm -C ui codegen`).
- Provider webhooks (Robokassa/VK) do NOT use the Connect path — model on the existing
  public HMAC-signed route `s.public.GET("/dl/:id/:kind", …)` (`handlers.go`): a public
  route with signature verification, proxied by the gateway/Caddy `@gateway` matcher
  (`deploy/caddy/Caddyfile` — a new edge route MUST be added there or it falls to the
  landing catch-all).

### Testing layers (`docs/TESTING.md`)

- **unit** (Go `_test.go`, TS vitest): gate-by-context, no-ads stacking, priority draw,
  rate math, idempotency keys, catalog snapshotting. UI logic must be extracted out of
  `.svelte` into `ui/src/lib/*` to be unit-testable.
- **integration** (`backend/internal/inttest/`, `//go:build integration`, Postgres-backed):
  atomic chip↔benefit spend, callback idempotency, order-flow, TG outbox delivery, merge/
  unlink of segments.
- **UI** (Playwright mock e2e, Chromium+WebKit): Wallet screen, warnings, guest-hidden, GP
  stub. Mock e2e bypasses codec — wire bugs need codec unit tests.
- Local full verification before push: integration (`-tags=integration` + DAWG sibling +
  Ryuk-off), UI check/test/build, codegen (`make -C pkg proto fbs`, `pnpm -C ui codegen`).

---

## E0 — Payments data foundation

**Status:** DONE · **Release 1** · depends on: none · mechanics: PAYMENTS §14, §7, §11.

**Goal.** Stand up the `payments` schema, its confinement role, the jetgen target, the domain
package skeleton and all core tables — nothing wired to real money yet. This is the substrate
every later stage builds on.

**Migration `00010_payments_foundation.sql` (`payments` schema).**

- `CREATE SCHEMA payments`; an idempotent `DO $$` block creates a **NOLOGIN** `payments` role;
  `GRANT USAGE` + `GRANT ALL ON ALL TABLES` (+ `ALTER DEFAULT PRIVILEGES … GRANT ALL`) confine it
  to `payments.*` with nothing on `backend`. No `REFERENCES` grant (there is no cross-schema FK).
- `payments.ledger` — append-only. `ledger_id` (uuid PK, app-generated v7), `account_id` (plain
  `uuid`, **no FK**), `kind` (`fund|spend|admin_grant|refund`), `source`/`origin` (nullable,
  `vk|telegram|direct`), `chips_delta` (signed int, 0 for a grant), `product_id` (nullable
  FK→product), `order_id` (nullable FK→orders), `provider` + `provider_payment_id` (nullable),
  `snapshot` (jsonb, written from E2), `created_at`. Immutability is a **`BEFORE UPDATE OR DELETE`
  trigger** (a superuser bypasses a privilege REVOKE). Unique **partial** index on `(provider,
  provider_payment_id) WHERE provider_payment_id IS NOT NULL` — the idempotency key.
- `payments.balances` — `(account_id, source)` PK, `chips int CHECK (>=0)`, `updated_at`. Created
  **lazily** on first fund (up to three rows/account, absent = zero).
- `payments.benefits` — `(account_id, origin)` PK, `ads_paid_until timestamptz` null,
  `ads_forever bool`, `hints int CHECK (>=0)`, `updated_at`. Created lazily.
- `payments.catalog_atom` — `atom_type` PK (`chips|hints|noads_days|tournament`); the four atoms
  are **seeded** here (the `tournament` atom is provisioned for E9).
- `payments.product` (`product_id` PK, `title`, `active bool` soft-delete, timestamps);
  `payments.product_item` (`(product_id, atom_type)` PK → `quantity`); `payments.product_price`
  (`(product_id, COALESCE(method,''), currency)` unique → `amount bigint` minor units): a chip
  pack carries a money price per `method` (`vk|telegram|direct`), a value carries one
  `currency='CHIP', method=NULL` row. `currency ∈ {RUB, VOTE, XTR, CHIP}`; `amount CHECK (>=0)`.
- `payments.config` — a single typed row (`only_row bool PK CHECK`): `rewarded_payout_chips`,
  `cooldown_global_seconds` (300), `cooldown_vs_ai_seconds` (1800), `cooldown_hint_seconds` (60),
  `order_ttl_seconds` (1800). No `chip_rate` table — the pack rate is `product_price`.
- `payments.orders` — `order_id` (uuid PK), `account_id`, `platform`, `product_id` (FK),
  `expected_amount bigint` + `currency`, `origin`, `status` (`pending|paid|expired`), `provider`,
  `provider_payment_id` (nullable), timestamps. Index `(status, created_at)` for the pending sweep.
- `payments.payment_events` — `event_id` (uuid PK), `account_id`, `order_id` (nullable FK), `type`
  (`succeeded|failed|refunded`), `payload jsonb`, `created_at`, `dispatched_at` (nullable, partial
  index for the dispatch queue).
- Full `-- +goose Down` (DROP SCHEMA CASCADE + DROP OWNED BY + DROP ROLE); expand-contract, proven
  reversible by an integration test.

**Backend.**

- `backend/internal/payments/{payments,service,store}.go` — the `Money` value type + `Currency`
  (bigint minor units, exact, no float); `Store{db *sql.DB}` with a `Ping` health read via jet;
  `Service` over the store. (`withTx` arrives with E2's first transaction.)
- `cmd/jetgen` generates the `payments` schema into `internal/postgres/jet/payments/` (a second
  `GenerateDB` call); committed. Constructed in `cmd/backend/main.go` and passed to `server.Deps`
  (`Payments`) with a boot-time reachability check; its routes are registered from E2.

**Legacy deprecation (expand phase only).** A `--` header note marks `accounts.hint_balance` and
`accounts.paid_account` deprecated; they are **not** dropped (the DROP is the contract phase after
E2 flips reads and after Release 2). Reads still use the old columns until E2.

**Tests.**

- integration (`inttest`): schema + role + seeds present; `SET ROLE payments` cannot read
  `backend.accounts` (grant confinement); ledger rejects UPDATE/DELETE (trigger); idempotency
  partial index holds (NULL-keyed rows repeat); balance/benefit/amount/enum CHECKs bite; migration
  applies forward **and backward** on a throwaway PG.
- unit: `Money` — exact round-trip, per-currency scale, no-float parse rejecting a fraction for a
  whole-unit currency, arithmetic, formatting. Import-boundary test: only `internal/payments`
  imports the payments jet code.

**Done-criteria (met).** Migrations apply forward+backward on a throwaway PG 17; `go build
./backend/...` + `go vet` + `gofmt -l .` clean; committed `jet/payments/`; all tests green; no
behaviour change for users.

**Notes.** jetgen regenerates the whole `backend` schema; its committed jet had drifted from the
migrations (`robot_blocks`, `robot_friend_requests`, the `feedback_messages` `app_version` /
`browser_tz` columns, and `UseSchema` gaps), so this change also **regenerates and commits
`jet/backend`** to bring it back in sync (additive only — all suites stay green). The `payments`
role creation is idempotent (`DO $$` / `IF NOT EXISTS`) for fresh volumes.

---

## E1 — Trusted platform signal

**Status:** DONE · **Release 1** · depends on: none (parallel to E0) · mechanics: PAYMENTS §8.

**Goal.** Make the server know the execution platform from a trusted, unforgeable source,
carried on the session. This is the foundation the gate (E2) stands on; without it the gate is
meaningless. Signal plumbing only — no user-visible change.

**Model.** `platform = {kind: vk|telegram|direct, subtype: ios|android|web}` is a property of
the **session**, captured at creation. `kind` is always trusted — the gateway derives it from
the validated establish path (VK launch / TG initData / a web-native session), never a client
field. `subtype` is **cryptographically trusted only for VK** (it rides inside the signed
`vk_platform` launch param); for telegram and direct it is client-reported best-effort, and the
gate never relies on it (only the VK-iOS-frozen case is compliance-critical, and VK subtype is
trusted). VK/TG re-mint a session on **every cold start**, so their platform is re-captured each
launch; web/direct/email reuse the stored token, so their platform is captured once at creation
(`direct` needs no signature).

**Validation stays at the gateway.** Both wrapper verifiers already live there and the backend
cannot import either (separate modules under `internal/`, and the VK app secret is gateway-only):
VK launch params via the in-process `gateway/internal/vkauth.Verify` (HMAC-SHA256 over the signed
`vk_*` params under `GATEWAY_VK_APP_SECRET`, extended here to expose the signed `vk_platform` →
a trusted `Subtype()`), TG `initData` via the validator RPC. The gateway hands the derived
platform to the backend at establish; the backend persists it and returns it on resolve.

**Backend.**

- `backend.sessions` gains nullable `platform_kind` + `platform_subtype` columns (migration
  `00011`, CHECK-constrained, jet regenerated). A `session.Platform` value type + `session.Create`
  captures it; `Session` carries it through the store and the warm cache.
- `handleResolveSession` → `resolveResponse` (`dto.go`) returns the platform; the establish
  handlers set `kind` from their own endpoint (`/sessions/telegram|vk|guest|email/*`) and
  `subtype` from the request (VK: gateway-extracted from the signed params; TG/direct: the client
  best-effort field, defaulting web). The account-merge session mint (`link.merge`) inherits the
  caller's platform from the request context.
- Middleware (`middleware.go`) parses the gateway-injected `X-Platform` into the request context
  on the `s.user` group; `platform(c)` exposes it. Absent ⇒ untrusted (fail-closed).

**Gateway.**

- `backendclient.WithPlatform(ctx, "<kind>/<subtype>")` + `do`/`getRaw` inject `X-Platform` on
  every authenticated backend call; `connectsrv.Execute` enriches the request context from the
  resolved session's platform (carried through the gateway session cache + `ResolveSession`).
  Never from a client request body.

**Client (`ui/`).** `platformSubtype()` (`ui/src/lib/platform.ts`) supplies a best-effort device
subtype on the `auth.telegram` / `auth.guest` / `auth.email.login` requests (new FBS `subtype`
field): Telegram's `WebApp.platform` inside a Mini App, else the Capacitor/web channel. VK sends
nothing (the gateway derives the trusted subtype from the signed launch params).

**Tests.**

- unit (Go): `vkauth` exposes the signed `vk_platform` and maps iPhone/iPad → ios (the frozen
  case); the `X-Platform` middleware round-trips + reports untrusted when absent; the backend
  client injects `X-Platform` from the context and omits it when untrusted.
- integration: a session carries its platform through create + a cold-cache (DB) resolve for each
  kind; an unattributed session is untrusted; the CHECK constraints bite; migration `00011`
  applies forward **and backward** on a throwaway PG.
- UI: subtype normalization (vitest) + the new `subtype` field on the wire (codec unit test).

**Done-criteria (met).** A VK/TG session resolves to a trusted `{kind, subtype}`; a forged body
cannot change `kind` (nor the VK subtype); `direct` sessions resolve to `direct`; the untrusted
path is reachable and observable via `platform(c)`. No user-visible change; all layers green.

**Notes/risks.** High blast-radius (auth/session table + broad gateway header threading): additive
migration, no mixed-in refactors, `X-Platform` inert until E2 consumes it. **Sessions minted before
E1 carry no platform → untrusted (view-only) until re-login**; VK/TG self-heal on the next
cold-start re-mint, direct/email do not (accepted: Release 1 has no money, sessions cycle by
Release 2). TG/direct subtype is not cryptographically trusted — E2 must keep the gate on `kind`
+ the trusted VK subtype only.

---

## E2 — Currency + benefit core

**Status:** DONE · **Release 1** · depends on: E0, E1 · mechanics: PAYMENTS §2–§6, §11.

**Goal.** The full internal money mechanic, exercisable end-to-end **without real money**
via `admin_grant`: chip balances, spend→benefit atomically, the compliance gate by context,
benefit application (no-ads stacking, hints per-origin), the legacy migration, and the
`SpendHint` rewrite. This is the heart.

**Payments service (Go).** Every read/gate method also takes `present` (the account's live
identity sources, see *Domain boundary*) and is served from the read cache.

- `Balances(ctx, account, platform, present)` → per-segment `{source, chips, spendable}` for
  the context (VK→vk spendable, direct/tg hidden; TG→tg; direct→direct+vk+tg by priority;
  VK-iOS→vk shown as a **frozen** number, none spendable; untrusted→view-only, none spendable).
- `Spend(ctx, account, platform, present, productID)` → gate-checked purchase of a **value**
  (CHIP price, `method=NULL`; never a chip pack) with chips: resolve spendable segments by
  context, draw by priority direct→vk→tg, write a `spend` ledger row (+ a catalog **snapshot**
  of atoms+price) + decrement balance + apply benefit (extend `ads_paid_until[origin]` from
  `max(now,end)` / set `ads_forever` / add hints) **in one tx**, stamping `origin` = platform
  context. Refuse if untrusted (fail-closed) or funds insufficient.
- `Grant(ctx, account, origin, atoms)` → a **0-price sale of a value**: an `admin_grant`
  ledger row (`chips_delta=0`, + snapshot), same benefit application; concrete values only,
  never chips (no chips move — it neither requires nor touches a balance). Origin chosen by
  the admin. In E2 this is the Go service method only, exercised by tests; the admin grant UI
  + catalog editor are E7.
- `AdFree(ctx, account, platform, present)` / `HintsAvailable(…)` / `SpendHint(…)` → apply
  the one-directional origin rule: in context P, usable origins = {P} plus, when P is
  web/native, {vk,tg} (relaxation outward); in VK only vk; in TG only tg. Hint consumption
  draws by the same priority direct→vk→tg.
- `Merge` / `Unlink` hooks: extend `accountmerge` to merge segments **and** benefits by origin
  (same-origin add — chips sum, terms extend per origin; different origins coexist) in the
  caller's tx (`MergeTx`), and make **both** segment *and* benefit availability follow
  identity presence — unlink sleeps the balance *and* the benefit, re-link wakes them (D14),
  resolved live from `present`. Warn-before-unlink surfaces the balance via the interface; the
  warning UI itself is not E2.

**Backend wiring & migration.**

- Deprecate-and-flip `accounts.hint_balance` / `accounts.paid_account`: E0 added the tables;
  here, move reads/writes to `payments.benefits`. `SpendHint` (`game/service.go` ~:1147) and
  `ads.Eligible` (`ads/ads.go` :107) call the payments interface instead of the account
  columns. Legacy values were never set in prod → zero them; the DROP is the contract phase
  (guarded, after Release 2 — keep columns until then for rollback safety).
- `vs_ai` hints stay free/unlimited (unchanged 30-min gate); only online-game hint spend
  routes through the segmented, context-aware path.

**API (user-facing, Connect chain).** Read-only wallet view + spend:
`GET /api/v1/user/wallet` (balances+benefits for the context), `POST /api/v1/user/wallet/
buy` (spend chips on a product). Add the backend handlers (`u := s.user`), `backendclient`
methods, Connect methods + transcode + FBS. Admin grant is internal/admin (E7 UI).

**Tests.**

- unit (Go): gate-by-context matrix (every row of PAYMENTS §4, incl. VK-iOS frozen +
  untrusted); priority draw; no-ads stacking (`+=` from max(now,end)) + forever override;
  per-origin hint applicability + direct→vk→tg draw; merge/unlink segment+benefit math;
  catalog snapshotting; read-cache invalidation on each mutation.
- integration: atomic spend (ledger+balance+benefit in one tx; failure rolls all back);
  admin_grant credits values not chips; legacy migration zeroes and flips reads; merge/
  unlink over Postgres.
- UI: none new (E3 builds the screen); wallet DTO covered by codec unit tests.

**Done-criteria.** `admin_grant` applies no-ads/hints directly (a 0-price sale of a value —
no chips involved); the player chip-spend path (`Spend`) is proven by unit/integration tests
(balance seeded in-test, since a legitimate chip source arrives only with Release 2); the gate
blocks cross-context spend and cross-origin application; the ads gate reads the new benefit;
`SpendHint` uses segments; the hot read paths hit the read cache, not the `payments` schema;
all layers green; **compliance regression** (a `direct` benefit never activates inside VK/TG)
is a named test.

**Notes/risks.** This is the high-blast-radius core (money semantics + a live path
`SpendHint`/`ads.Eligible`). Minimize surface, keep the interface narrow, no mixed-in
refactors. The legacy flip is expand-contract: reads move first, DROP much later.

---

## E3 — Wallet UI

**Status:** DONE · **Release 1** · depends on: E2 · mechanics: PAYMENTS §1, §7, §6, §13, §4.

**Goal.** The user-facing "Кошелёк" (Wallet) section: balances + active benefits + the
catalog storefront, honouring guest-hidden, GP-stub, and the web-spend warning.

**Backend + wire (catalog read — new).** E2 shipped `wallet.get` / `wallet.buy` (segments +
benefits + a chip spend) but no way to *list* the catalog; the storefront needs one, so E3 adds a
read path following the E2 shape:

- `payments.Service.Catalog(ctx, cxt)` + `store.loadCatalog` (`internal/payments/{catalog,
  store_catalog}.go`) read every **active** product with atoms and prices and project them to the
  context (`projectCatalog`, pure + unit-tested): a **value** (no `chips` atom) carries its CHIP
  price and shows everywhere; a **chip pack** (`chips` atom) carries the money price for the
  context method (`cxt.Kind`: vk→VOTE, telegram→XTR, direct→RUB) and shows only where that method
  is priced. Read **uncached** (the catalog is small and rarely edited — unlike the per-account
  balances/benefits the read cache fronts).
- REST `GET /api/v1/user/wallet/catalog` (`handleWalletCatalog`, gated by `walletGate`) →
  `catalogDTO`; gateway op `wallet.catalog` (`transcode.go` + `encodeCatalog`), `backendclient.
  Catalog`; FBS `Catalog`/`CatalogProduct`/`CatalogAtom` (`pkg/fbs/scrabble.fbs`), client
  `decodeCatalog`.

**UI (`ui/`).**

- New `'wallet'` tab in `ui/src/screens/SettingsHub.svelte` — `SettingsTab` union, tab button
  **between Friends and About** (guest-hidden like Friends, offline-disabled like Profile/Friends),
  body branch, `'wallet'` route in `ui/src/lib/routeparse.ts` + `ui/src/App.svelte`.
- `Wallet.svelte` screen: context-available chip balances + active benefits (no-ads until date /
  forever, hints count). **No history feed** (PAYMENTS §11 — noise). Storefront: values priced in
  chips (buyable with `wallet.buy`), chip packs priced per method.
- **Guest:** section hidden entirely (durable-only).
- **GP build:** the chip-pack purchases are hidden behind a RuStore stub; spending earned chips on
  values still works (PAYMENTS §13). Detected by a build-time flag `VITE_GP_BUILD`
  (`ui/src/lib/distribution.ts`), forcible under the mock e2e with `?gp`.
- **Web-spend warning:** before a value spend that would draw vk/tg chips in a direct context, an
  own `Modal` (not `showPopup`) warns the benefit will be web/native-only. The context is inferred
  client-side (`executionContext` — VK/Telegram/direct); the server enforces the real gate on
  `wallet.buy` (fail-closed), so no wallet-DTO change was needed.
- Logic extracted to `ui/src/lib/{wallet,distribution}.ts` (unit-testable); `.svelte` stays thin.

**Pack purchase is display-only in E3.** Buying a chip pack needs the money order flow, which is
**E5**; here a pack card shows its price with a disabled **"Soon"** action. E5 replaces that with the
launch/order CTA. Value spends are wired now (E2 `wallet.buy`), though a Release-1 durable account
has 0 chips until funding exists (E5/E6), so a real value spend returns insufficient-funds until then.

**Tests.**

- unit (Go): `projectCatalog` context matrix (value everywhere; pack per context method; misconfig
  omitted). unit (vitest): money/price formatting, spendable-segment selection, warning trigger,
  the GP flag; `decodeCatalog` codec round-trip (mock e2e bypasses the codec).
- integration (`inttest`): `/wallet/catalog` returns active products with the context-correct price
  over Postgres; soft-deleted excluded.
- UI (Playwright mock, Chromium+WebKit): Wallet renders between Friends/About; guest hides it
  (`?guest` seam); GP stub (`?gp`); warning modal on a vk-drawing web spend, no warning on a
  direct-covered spend. Mock overlay stays instant under `MODE==='mock'` (or it intercepts taps).

**Done-criteria (met).** Balances/benefits/storefront render per context; guest/GP/warning paths
verified by unit + integration + mock e2e on both engines. **A *populated* contour review depends
on later stages** (no products until the E7 catalog editor, no chip funding until E5/E6, no grant
UI until E7): on the contour E3 shows the correct **empty** wallet/storefront states; the populated
UI is proven by the mock e2e. (This replaces the earlier "demonstrable end-to-end via `admin_grant`"
line — the grant UI is E7.)

**Notes/risks.** No global `.btn`/`.ghost` in `ui/` — styled per-component with scoped CSS + tokens
(mirror NewGame `.invite`). Product titles are single-language catalog data (E0 `product.title`),
shown verbatim; currency/chip words are i18n, counts follow the app's label+number convention (no
noun agreement). Svelte whitespace/`$state` naming gotchas apply.

---

## E4 — Durability (PITR)

**Status:** WIP — repo artifacts landed; **prod arming pending** (owner-coordinated, before
E5). · **Release 2** · depends on: E0 (schema exists) · mechanics: PAYMENTS §14 (D4).

**Goal.** Continuous WAL archiving with point-in-time recovery, armed **before the first
real money** is accepted (E5 prod). Protects both money and game data.

**Locked decisions (this stage).**

- **Tool: pgBackRest.** **Destination: Selectel S3** object storage (encrypted AES-256-CBC,
  path-style addressing), **prod main host only** — the test contour never archives. (D4 left
  the tool + destination open; resolved here. Warm replica stays deferred, per D4.)
- **Retention 30 days**, **daily full base backup** (a systemd timer) + continuous WAL
  (`archive_command`, a 5-minute forced switch bounds the recovery point). Assessment
  (owner-reviewed prod gate): measured prod WAL **~0.77 MB/day**, DB **~9.6 MB** → archive
  **< 1 ₽/month** on Selectel S3, **negligible** perf impact. Recorded in `deploy/README.md`.
- **Archiving ships gated OFF** (`PGBACKREST_ARCHIVE_MODE` on the DB, `pitr_enabled` for the
  timer — both default off), so the merged/redeployed artifact is inert until armed and an
  un-armed prod deploy **cannot** pile WAL onto the disk.

**Work (landed in the artifacts PR into `development`).**

- pgBackRest in the DB image (`deploy/postgres/Dockerfile`); postgres becomes a built + pushed
  image (prod overlay `image:` + `prod-deploy.yaml` build/push list).
- Repository config + `archive_mode` via `PGBACKREST_*` env on the prod-overlay postgres
  service; secrets/vars rendered by `deploy/write-prod-env.sh` from the `PROD_PGBACKREST_*`
  Gitea set; **parity added to `prod-rollback.yaml`** (a rollback must not disarm archiving).
- Daily base-backup systemd timer (Ansible `main` role, gated by `pitr_enabled`).
- Two Grafana alerts on the exporter's `pg_stat_archiver` metrics (failing / stalled),
  absent/NaN-safe on the contour.
- Belt-and-braces `pg_dump` fixed to dump the **whole DB** (`deploy/prod-deploy.sh` was
  `-n backend`, silently excluding `payments`); manual-restore runbook updated.
- Full PITR runbook + arming sequence + recorded assessment in `deploy/README.md`.

**Prod arming (SEPARATE — owner-coordinated, before E5; NOT the artifacts PR).** Owner creates
the Selectel S3 bucket + the `PROD_PGBACKREST_*` secrets/variables (incl. `ARCHIVE_MODE=on`);
then promote `development → master` → `prod-deploy` (archive_mode on behind the maintenance
window), `pgbackrest stanza-create` + first base backup + `check`, re-run Ansible with
`-e pitr_enabled=true`, and run the restore drill on an isolated one-shot target. Exact steps:
`deploy/README.md` (point-in-time recovery — arming).

**Tests.** Restore drill on an isolated one-shot instance (base + WAL → target timestamp),
recorded in `deploy/README.md`. No app-level tests. Local verification: `docker compose config`
valid + the custom PG image builds (archiving inert on the contour).

**Done-criteria.** Artifacts merged with archiving inert. **Fully done** at arming: WAL
archiving live on prod PG; a timed restore verified; cost + perf assessment reviewed; runbook
current in `deploy/README.md`.

**Notes/risks.** The repository **cipher passphrase is unrecoverable if lost** — stored apart
from the S3 keys. Enabling `archive_mode` restarts postgres (rides the prod-deploy maintenance
window). Migrations stay expand-contract so image rollback remains DB-safe alongside PITR.

---

## E5 — Payment intake

**Status:** TODO · **Release 2** · depends on: E0, E1, E2, E4 · mechanics: PAYMENTS §9, §12.

**Goal.** Accept real money on all three rails into the payments domain: order-flow,
verified provider callbacks, idempotency, the TG bot SQLite outbox, the event dispatcher,
receipts, and refunds.

**Order-flow & intake (single writer).**

- `POST /api/v1/user/wallet/order` → create `order(pending)` (account/platform/product/
  expected amount/origin), return the provider-specific launch payload with `order_id`
  threaded in (Robokassa `InvId` / TG `invoice_payload` / VK `item`). The storefront's chip-pack
  card wires its purchase CTA to this here, **replacing the disabled "Soon" placeholder E3 left**
  (`ui/src/screens/Wallet.svelte`).
- Robokassa + VK **public webhooks**: new edge routes (add to `deploy/caddy/Caddyfile`
  `@gateway` matcher — or they fall to the landing catch-all), signature/HMAC verified,
  proxied into a payments intake handler. Match by `order_id`, verify amount, credit
  (ledger `fund` + balance UPDATE in one tx), mark order `paid`, emit `payment_event`.
  Idempotent by `(provider, provider_payment_id)`.
- **Pending sweep:** background reaper expires pending orders after the configured timeout
  (~30 min). Expiry is cosmetic — a later valid callback still credits (revive/honour).

**TG bot outbox (`platform/telegram/`).**

- The bot receives `successful_payment` (and `pre_checkout_query`) via Bot API. Add a
  **SQLite** store on the bot's disk: on receipt, persist → ack the Telegram update → forward
  to a backend payments-intake endpoint (internal, authenticated over the existing reverse
  mTLS bot-link) → on backend ack, mark `forwarded`. Retries with backoff; re-drive
  undelivered on restart. Backend intake dedups by `telegram_payment_charge_id`.
- Provide the invoice creation path (Stars) from the Mini App via the bot as needed.

**Events & notifications.**

- `payment_events` dispatcher: `succeeded`/`failed`/`refunded` → live gRPC stream if the
  user is connected, else `botlink` push / email relay (existing). "failed" = an active
  provider decline (not an abandoned pending) surfaced to the user; "succeeded" hook
  (email/bot message).

**Receipts (§12).** Robokassa self-employed НПД receipt on payment (provider config); VK
handles Votes tax itself; TG Stars — no receipt.

**Refunds (§9).** ToS non-refundable; admin manual refund (ties to `accountdelete`); external
`refunded` events honoured — best-effort benefit revoke (never negative; record loss + abuse
flag if spent), ledger `refund` row. Ledger export-ready (reconciliation not built).

**Tests.**

- unit: signature/HMAC verifiers per rail; order-id matching; idempotency-key dedup.
- integration: full order→callback→credit per rail; duplicate callback credits once; expired
  order still honoured on late callback; TG outbox store→forward→ack→cleanup + restart
  re-drive; refund revoke best-effort/never-negative.
- UI: purchase flow reaches the provider launch (mock); success/failure surfaced.

**Done-criteria.** A real (sandbox) payment on each rail credits chips exactly once; a
replayed callback does not double-credit; the TG outbox survives a bot restart mid-flight;
failed/succeeded events reach the user; refund path exercised. **PITR (E4) armed and the
cost/perf assessment reviewed before this goes to prod.**

**Notes/risks.** Manual `docker run -p` boot tests fail from the shell — verify the runnable
artifact via the testcontainers integration suite. Distroless services run UID 65532;
bind-mounted secrets must be 0644. Edge routes silently fall through if not added to the
Caddyfile — add a CI probe. The prod rolling deploy skips caddy on config-only changes —
force-recreate when the Caddyfile changes.

---

## E6 — Ads

**Status:** TODO · **Release 2** · depends on: E2 (chips), E5 (rewarded credits via intake) ·
mechanics: PAYMENTS §10.

**Goal.** VK video ads: the post-move interstitial (frequency-gated) and the rewarded video
(credits chips via server verify), plus extending the existing banner suppression to
per-origin.

**Work.**

- **Provider abstraction:** a small ads-network interface (VK impl now) so a future network
  for other platforms slots in without rework. VK integration via `ui/src/lib/vk.ts`.
- **Rewarded:** voluntary view → the network's **server verify callback** → payments intake
  credits chips to the `vk` segment (client not believed, like a payment). On-launch
  anti-fraud = provider verify only (no own daily cap; abstraction allows later).
- **Interstitial** (post-move fullscreen), configurable server values (from `payments`
  config): global per-user cooldown across all games (default 5 min); `vs_ai` 30 min; a hint
  application triggers a post-move interstitial independently with its own 1-min cooldown;
  offline banner-only; respect VK's own frequency caps. Cooldown state tracked server-side
  (per user) or client-mirrored from a server value — pick and document at implementation.
- **Banner suppression:** extend `ads.Eligible` (`backend/internal/ads/ads.go` :107) to gate
  on the **origin benefit applicable in the current context** (E2 interface) instead of the
  single legacy flag. No-ads suppresses banner + interstitial; rewarded never suppressed.

**Tests.**

- unit: cooldown logic (global 5m / vs_ai 30m / hint-trigger 1m independence); rewarded
  credit path; banner eligibility per context.
- integration: rewarded verify → credit exactly once (idempotent like a payment).
- UI: interstitial shows/respects cooldown (mock); rewarded button; no-ads hides banner +
  interstitial; rewarded still available under no-ads.

**Done-criteria.** VK rewarded credits chips once per verified view; interstitial respects
all cooldowns incl. the hint trigger; no-ads suppresses banner+interstitial but not
rewarded; offline shows banner only.

**Notes/risks.** Crypto-payout networks stay rejected. Rewarded-without-payout is pointless —
only enable where the network pays (VK). Keep the interstitial frequency as server config so
it tunes without a store release.

---

## E7 — Admin & reports

**Status:** TODO · **Release 2** · depends on: E2 (ledger/grant), E5 (payments/refunds) ·
mechanics: PAYMENTS §11.

**Goal.** The admin console financial surface: per-user report, admin grant UI, manual
refund UI, ledger export.

**Work (`/_gm`, `backend/internal/server/handlers_admin_console.go` + `adminconsole/`).**

- **Per-user financial panel** on the existing user card (`consoleUserDetail` :343,
  `UserDetailView`): segment balances, payments, spends, grants, refunds, full history —
  read from the append-only ledger + materialized cache.
- **Admin grant** action (mirror the existing `POST /_gm/users/:id/grant-hints`): grant
  concrete values (no-ads days / hints), **origin picker**, **never chips**; writes an
  `admin_grant` ledger row (E2 `Grant`).
- **Manual refund** action: admin-initiated refund of a specific order (ties to the refund
  path); records a `refund` ledger row; best-effort benefit revoke.
- **Ledger export**: CSV/JSON export of the ledger for tax reporting + future Robokassa
  reconciliation (export-ready schema; reconciliation itself not built).
- Auth unchanged: gateway Basic-Auth in front of `/_gm` + backend same-origin CSRF on POSTs.

**Tests.**

- unit: report view assembly; grant refuses chips; export shape.
- integration: grant/refund write correct ledger rows; report reflects balances+history.

**Done-criteria.** An operator can see a user's full financial picture, grant concrete
values (origin-picked, never chips), issue a manual refund, and export the ledger.

**Notes/risks.** `/_gm` per-user detail already surfaces `PaidAccount`/`HintBalance` — replace
those with the segmented view as the legacy columns retire.

---

## E8 — Guest limits

**Status:** TODO · **standalone** (game-behaviour change; can run in parallel) · depends on:
none · mechanics: PAYMENTS §6.

**Goal.** A registration funnel: cap what a guest can do, enforced **server-side** (today the
gating is UI-only).

**Finding (verified).** The friend/invitation paths do **not** check `is_guest` on the
server — only the UI hides them: `social/friends.go:50` `SendFriendRequest`,
`robotfriends.go:41` `RequestInGame`, `friendcodes.go:67` `RedeemFriendCode`,
`lobby/invitations.go:208` `CreateInvitation`. A guest with a valid `X-User-ID` can call them
in the UI's stead.

**Work.**

- **Server guest gate** on friend-request / redeem-code / invitation-create: refuse when the
  caller `is_guest` (add an `ErrGuestForbidden`-style guard, as `feedback` already has).
- **Active-game limits** for guests: at most **1 random-opponent game + 1 vs_ai** concurrently
  (enforce on game/invitation creation in `lobby`/`game`; today no such limit exists).
- Keep the existing UI gating; this adds the server as the source of truth.

**Tests.**

- integration: guest is refused friend/redeem/invitation server-side; guest blocked from a
  2nd random / 2nd vs_ai; durable account unaffected.
- UI: guest sees the funnel (existing hides + any new messaging).

**Done-criteria.** Guests are server-limited to 1 random + 1 vs_ai and cannot friend/invite;
durable accounts unchanged; regression that this does not break existing durable flows.

**Notes/risks.** This changes existing game behaviour — its own tests, its own PR, no
mixed-in payments changes. Decide whether a guest may finish an already-started game (limit
on creation, not mid-game) at implementation and record it here.

---

## E9 — Tournament fee (future)

**Status:** TODO · **future** · depends on: E0 (atom provisioned), tournament feature ·
mechanics: PAYMENTS §5, §7.

**Goal.** Charge a chip entry fee for tournaments. The `tournament` atom + a catalog product
are provisioned in E0/E7; the spend mechanic reuses E2 (`Spend`). The actual tournament
feature and its coupling to entry are out of scope until the tournament feature exists.

**Done-criteria.** Deferred — revisit when tournaments are built.

---

## Verification & CI (all stages)

- Per-stage tests at the layers above; **compliance-gate regression is mandatory** (a
  `direct` benefit must never activate inside VK/TG) and runs from E2 onward.
- Local full verification before every push: `go build/vet ./backend/... && gofmt -l .`,
  integration (`-tags=integration` + DAWG sibling + Ryuk-off), `pnpm -C ui check/test:unit/
  build`, Playwright mock e2e, codegen (`make -C pkg proto fbs`, `pnpm -C ui codegen`).
- Contour: each PR into `development` auto-deploys the test contour; owner does visual sign-
  off there (not local). Keep a multi-PR batch a linear stack (one shared contour,
  last-deploy-wins).
- Prod (Release 2): expand-contract migrations only (image rollback DB-safe); PITR armed +
  the E4 cost/perf assessment reviewed **before** the first money; new edge routes added to
  the Caddyfile with a CI probe; caddy force-recreated on config-only changes.
- Release framing: **shipped docs/code/commits/PRs carry no stage ids** — finalize copy for
  the release, not the plan.