Consolidate the Monerium B2B docs into the technical set

apps/api/src/api/services/monerium-b2b/account-provisioning.ts

@@ -28,7 +28,7 @@ export interface ProvisionMoneriumB2bAccountInput {
   contactEmail: string;
   destination: string;
   externalSubjectId: string;
-  /** Fee policy in ppm below the reference rate; defaults to the agreed launch policy. */
+  /** Fee policy in ppm below the reference rate; defaults to Vortex's default fee policy (B1). */
   floorPpm?: number;
   forwarderAddress: string;
   managerProfileId: string;
@@ -53,7 +53,7 @@ function normalizeAddress(value: string, name: string): string {
   return value.trim().toLowerCase();
 }
 
-/** Launch fee policy (docs/adr-0005-monerium-b2b-onramp.md, B1): 12.5 bps target, 15 bps floor. */
+/** Default fee policy (docs/adr-0005-monerium-b2b-onramp.md, B1): 12.5 bps target, 15 bps floor. */
 export const DEFAULT_TARGET_PPM = 1_250;
 export const DEFAULT_FLOOR_PPM = 1_500;
 // Mirrors the implementation's immutable MAX_FEE_PPM (ADR-0005 table); the contract re-validates at deploy.
@@ -189,7 +189,7 @@ async function verifyForwarderOnChain(
   }
 }
 
-// Mirrors the whitelabel KYB outcome for a reliance-onboarded corporate: these
+// Mirrors the whitelabel KYB outcome for a Monerium-approved client: these
 // profiles are onboarded and approved on Monerium's side before they are mapped
 // here, so the local provider records are imported directly as approved
 // (docs/operations-monerium-interface.md, profile lifecycle).
@@ -312,8 +312,8 @@ export async function provisionMoneriumB2bAccount(
   let result: { account: { created: boolean; row: MoneriumAccount }; managedProfile: ProvisionManagedProfileResult };
   try {
     result = await sequelize.transaction(async transaction => {
-      // The pilot reliance scope is KYB'd corporates only, so the child is always a
-      // business entity. Every local row is created in this transaction so a late
+      // Every B2B client is mapped as a business (adr-0007 decision 8), so the child is
+      // always a business entity. Every local row is created in this transaction so a late
       // account conflict cannot leave an orphaned approved identity behind.
       const managedProfile = await provisionManagedProfile(
         {

apps/api/src/api/services/monerium-b2b/dormancy.ts

@@ -13,8 +13,7 @@ import { forwarderAbi, getGuardianWalletClient, getPublicClient } from "./chain"
  * stays `active` — the pause lives on-chain, `dormant_since` records the detection.
  *
  * Un-pause is MANUAL for now: guardian ops call setGuardianPaused(false) after the
- * partner re-confirms the client relationship — re-confirmation mechanics are a
- * partner-agreement item (adr-0005 registry B5).
+ * partner re-confirms the destination in writing (adr-0005 registry B5).
  */
 
 /** Dormancy pause window — registry P5 (docs/adr-0005-monerium-b2b-onramp.md). */

apps/api/src/api/services/monerium-b2b/manager-events.ts

@@ -436,7 +436,7 @@ async function emitDepositUpdatedEvents(deps: ManagerEventDeps): Promise<void> {
 
 /** ACCOUNT_UPDATED: the account snapshot whenever it changed (IBAN issued, status, dormancy). */
 async function emitAccountUpdatedEvents(): Promise<void> {
-  // ponytail: scans every mapped account each pass; fine at per-partner pilot scale.
+  // ponytail: scans every mapped account each pass; fine at pilot scale.
   const accounts = await MoneriumAccount.findAll({ where: { vortexProfileId: { [Op.ne]: null } } });
   for (const account of accounts) {
     try {

apps/api/src/api/services/monerium-b2b/recovery.ts

@@ -44,8 +44,8 @@ import { refundAccountFor } from "./refund-wallet";
  *     IBAN, which pays out of the client's own IBAN, and mark the deposit `refunded` when
  *     Monerium processed it.
  *
- * Crash safety rests on the refund wallet being dedicated and empty between refunds:
- * every step re-derives what is still to do from the wallet's balances, so a lost
+ * Crash safety rests on the refund wallet being dedicated and empty between refunds (a
+ * payment memo-routed to it breaks that until refunded by hand: runbook §2.7): every step re-derives what is still to do from the wallet's balances, so a lost
  * transaction hash never repeats a value-moving send (a top-up already on chain makes the
  * remaining need zero). One recovery at a time PER CLIENT is what keeps those balances
  * meaningful: the executor refuses a second `recover` for an account while one is in flight
@@ -58,7 +58,7 @@ import { refundAccountFor } from "./refund-wallet";
  */
 
 export const REFUND_MEMO_PREFIX = "vortex-refund:";
-/** Monerium requires a supporting document above this amount; such refunds stay manual (rollout G1). */
+/** Monerium requires a supporting document from this amount; such refunds stay manual (runbook §2.7). */
 export const SUPPORTING_DOCUMENT_THRESHOLD_EUR = 15_000;
 /** Gas the refund wallet's own transactions use (approve, reverse swap, surplus transfer), with margin. */
 const REFUND_WALLET_GAS_UNITS = 400_000n;

apps/api/src/api/services/monerium-b2b/reference-rate.test.ts

@@ -1,7 +1,7 @@
 import { afterEach, describe, expect, it, mock, setSystemTime, spyOn } from "bun:test";
 import { classifyReferenceVenue, fetchCoinbaseProductStatus, fetchCoinbaseReference, isWithinReferenceBand } from "./reference-rate";
 
-// The partner reference is the Coinbase EURC-USDC bid/ask midpoint (adr-0005 P12,
+// The reference rate is the Coinbase EURC-USDC bid/ask midpoint (adr-0005 P12,
 // amendment 2026-09-18): spot, no averaging, with a spread guard for thin books.
 
 function serve(body: unknown, status = 200) {

apps/api/src/api/services/monerium-b2b/reference-rate.ts

@@ -1,7 +1,7 @@
 import { formatUnits, parseUnits } from "viem";
 
 /**
- * Partner reference rate for the forwarder fee bands (docs/adr-0005-monerium-b2b-onramp.md, P12):
+ * Reference rate for the forwarder fee bands (docs/adr-0005-monerium-b2b-onramp.md, P12):
  * the Coinbase Exchange EURC-USDC bid/ask midpoint, read fresh before every swap and
  * recorded on the execution row (rate, source, time) so the partner can check it against
  * Coinbase's public ticker. Spot rather than an average (amendment 2026-09-18): an average

apps/api/src/api/services/monerium-b2b/registration.ts

@@ -91,7 +91,7 @@ export interface RegistrationDeps {
    * blamed on the partner's input.
    */
   profileState(moneriumProfileId: string): Promise<MoneriumProfileState | null>;
-  /** The clone's CREATE2 address, bound to its destination, recovery address, launch fee policy and salt. */
+  /** The clone's CREATE2 address, bound to its destination, recovery address, default fee policy and salt. */
   predictAddress(destination: Address, recoveryAddress: Address, salt: Hex): Promise<Address>;
   isForwarder(address: Address): Promise<boolean>;
   /** Simulates, then sends `deployForwarder` from the deployer key; a contract revert throws. */

apps/api/src/database/migrations/078-monerium-fee-policy-ppm.ts

@@ -2,7 +2,7 @@ import { DataTypes, QueryInterface } from "sequelize";
 
 // The forwarder prices swaps against a reference rate with a per-clone target and floor
 // in parts per million (docs/adr-0005-monerium-b2b-onramp.md, B1/P11). The flat
-// fee_bps mirror is replaced by both policy values; defaults are the agreed launch policy.
+// fee_bps mirror is replaced by both policy values; defaults are the B1 default policy.
 export async function up(queryInterface: QueryInterface): Promise<void> {
   await queryInterface.addColumn("monerium_accounts", "target_ppm", {
     allowNull: false,

apps/api/src/database/migrations/079-add-conversion-reference-and-subsidy.ts

@@ -1,6 +1,6 @@
 import { DataTypes, QueryInterface } from "sequelize";
 
-// Every swap is priced against a partner reference rate (the Coinbase bid/ask midpoint)
+// Every swap is priced against a reference rate (the Coinbase bid/ask midpoint)
 // and may draw a subsidy from the vault up to the keeper's tier for the chunk
 // (docs/architecture-monerium-b2b-onramp.md, fees section). The reference, the chosen
 // route and the tier are persisted before broadcast (crash-recovery calldata identity +

apps/api/src/models/moneriumConversionExecution.model.ts

@@ -34,7 +34,7 @@ export interface MoneriumConversionExecutionAttributes {
   subsidyRaw: string | null;
   usdcNetRaw: string | null;
   destination: string;
-  /** Partner reference the swap was priced against, ORACLE_DECIMALS; persisted before broadcast. */
+  /** Reference rate the swap was priced against, ORACLE_DECIMALS; persisted before broadcast. */
   referenceRateRaw: string | null;
   referenceSource: string | null;
   referenceAt: Date | null;

contracts/monerium-forwarder/README.md

@@ -3,7 +3,7 @@
 Foundry project for the attestor-linked forwarder (Monerium B2B zero-touch onramp):
 per-client EIP-1167 clones whose EIP-1271 `isValidSignature` accepts only the fixed
 Monerium link message from the Vortex attestor, a conversion policy that swaps over a
-factory-whitelisted Uniswap v3 route and settles the fill against a partner reference
+factory-whitelisted Uniswap v3 route and settles the fill against a reference
 rate (fee above the target, top-up from the shared `VortexSubsidyVault` below the floor,
 Chainlink floor on the client's net), whole-payment forwarding (chunks accumulate as USDC on the
 clone and leave in one `forward`), and a keeper-only, delay-gated `recover` to the client's refund

docs/README.md

@@ -29,12 +29,11 @@ The smaller set of general project documents stays directly in `docs/`:
 | [`operations-brl-tax-id-claim-release.md`](operations-brl-tax-id-claim-release.md) | Operator runbook for releasing a BRL tax ID squatted through `createSubaccount` (RISK-026) |
 | [`operations-demo-environment.md`](operations-demo-environment.md) | Setup and runbook for the sandbox sales-demo account |
 | [`operations-legacy-schema-cleanup.md`](operations-legacy-schema-cleanup.md) | Deployment gates and recovery runbook for irreversible migrations 060-061 |
-| [`operations-monerium-b2b-rollout.md`](operations-monerium-b2b-rollout.md) | Launch gates, deploy checklist, and terms inputs for the B2B onramp pilot |
+| [`operations-monerium-b2b-rollout.md`](operations-monerium-b2b-rollout.md) | Deploy checklist, launch readiness, and open items ledger for the B2B onramp |
 | [`operations-monerium-b2b-runbook.md`](operations-monerium-b2b-runbook.md) | Operator procedures for the B2B onramp: onboarding, incidents, alert triage, dormancy, migration |
 | [`operations-monerium-interface.md`](operations-monerium-interface.md) | Monerium onramp boundary across the OAuth and white-label apps plus the profile, address, IBAN, and payment interface reference |
 | [`operations-testing.md`](operations-testing.md) | Maintained test strategy and suite boundaries |
 | [`product-dashboard.md`](product-dashboard.md) | Current dashboard product scope and acknowledged gaps |
-| [`product-monerium-b2b-flow.md`](product-monerium-b2b-flow.md) | High-level end-to-end flow of the Monerium B2B onramp for Vortex, the partner and Monerium, with the open questions per party |
 | [`proposal-mcp-server.md`](proposal-mcp-server.md) | Active, non-authoritative discussion draft |
 | [`proposal-monerium-consumer-onramp.md`](proposal-monerium-consumer-onramp.md) | Phase-2 proposal for the consumer (Safe + passkey) Monerium onramp; the B2B variant shipped |
 | [`proposal-api-driven-kyc-kyb.md`](proposal-api-driven-kyc-kyb.md) | Proposal for API-driven verification using preserved provider-specific workflows |