The simplified map
LuxPay works as a connected chain: trusted person → wallet → business membership → branch and authority → payment → financial record → settlement and reconciliation. Each layer answers a different question and should not be collapsed into one account number.
Core layers
Identity
It establishes who the person is, then lets that person join one or more businesses without confusing personal identity with job authority.
Wallet
It holds value by currency and state, separates available from pending funds, and presents understandable movement history.
Business context
It determines business, branch, role, and limits. A client cannot obtain sensitive financial authority simply by submitting a context value in a request.
Payment
It manages the transaction lifecycle, protects against duplicate execution, and absorbs provider differences instead of exposing them to every user.
Record and settlement
It records financial effect, then groups eligible transactions into settlements that can be matched against branch and finance reports.
Why separation matters
The same person can be a customer in one moment, a cashier in a branch, and a manager in another business. Identity stays consistent while authority and context change. This model supports growth without duplicating accounts or losing auditability.
Continue with Person and business identity and The payment lifecycle.