Seed OpenPayd marketplace service

docs/marketplace/sovereign-stack/openpayd-connector-service.md

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+# 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`