Unify commercial runtime ownership across backend and frontend so platform, experience, and hospitality modules use the shared commercial source of truth. Co-authored-by: Cursor <cursoragent@cursor.com>
Add independent payment-service (port 8012, payment_db) with foundation licensing, BYO-PSP, merchant accounts, idempotent requests, callbacks, and immutable ledger. Co-authored-by: Cursor <cursoragent@cursor.com>