# OpenPayd Financial Services Connector

## Summary

The OpenPayd Financial Services Connector is an operator-provisioned Sankofa
Marketplace service for enrolled Phoenix Financial Cloud tenants.

It exposes Phoenix-controlled workflows for OpenPayd-backed accounts, virtual
IBANs, pay-ins, payouts, FX, Open Banking, Direct Debit, signed webhooks, and
gated digital-asset planning.

## Entitlement

| Field | Value |
| --- | --- |
| Product slug | `phoenix-openpayd-connector` |
| Entitlement flag | `OPENPAYD_CONNECTOR_ENTITLED` |
| Fulfillment mode | `operator_provisioned` |
| Manage path | `/marketplace/entitlements/phoenix-openpayd-connector` |

## Operator Boundary

Phoenix controls tenant entitlement, credential references, approval gates,
audit evidence, ledger posting boundaries, and suspension/offboarding.

OpenPayd remains the upstream provider for regulated financial services. The
connector does not grant a banking license, correspondent account, SWIFT
membership, OpenPayd production access, or digital-asset approval by marketplace
listing alone.

## Activation States

- `requested`
- `sandbox_ready`
- `production_staged`
- `production_readonly`
- `production_mutating_enabled`
- `suspended`
- `offboarded`

Production mutating traffic is disabled until OpenPayd production URLs,
credentials, webhook keys, tenant entitlements, and Sankofa approval gates are
complete.

## Gated Capabilities

Stablecoin and on/off-ramp execution remain blocked until OpenPayd supplies API
contracts, supported assets/chains, custody model, settlement rules, and
jurisdiction/compliance approvals.

## References

- Proxmox manifest: `config/openpayd-marketplace.v1.json`
- Proxmox runbook: `docs/03-deployment/OPENPAYD_CONNECTOR_RUNBOOK.md`
- Proxmox integration reference:
  `docs/11-references/OPENPAYD_SANKOFA_MARKETPLACE_INTEGRATION.md`
- OpenPayd implementation plan:
  `/home/intlc/projects/openpayd/docs/technical-implementation-plan.md`
