# Next Steps

> Immediate next milestone only. History → [progress.md](progress.md). Future map → [roadmap.md](roadmap.md).

## Payment Platform — MVP complete (Torbat Pay)

Phases **payment-14.0 through payment-14.5** backend (v**0.14.5.0**) per [phase-handover/phase-14-5.md](phase-handover/phase-14-5.md). **Payment frontend (payment-frontend)** complete per [phase-handover/phase-payment-frontend.md](phase-handover/phase-payment-frontend.md) and [service-snapshots/payment-frontend.yaml](service-snapshots/payment-frontend.yaml).

**Next implementation phase:** `payment-14.6` Refunds & Reversals (**LATER** priority — requires Communication integration). No 14.6+ payment UI until backend phase lands.

Remaining documented phases: 14.6–14.10 (refunds, splits, connectors, reconciliation, enterprise validation).

**Note:** Payment manifest IDs use prefix `payment-14.x` (distinct from Beauty Business `beauty-business-14.x`).

## Experience track — backend complete; frontend FE-11.5 complete

Phases **11.0 through 11.10** backend complete per [experience-roadmap.md](experience-roadmap.md).

**Frontend FE-11.0 through FE-11.5** complete per [experience-frontend-roadmap.md](experience-frontend-roadmap.md) and [phase-handover/phase-experience-fe-11-5.md](phase-handover/phase-experience-fe-11-5.md). **STOP at FE-11.5** — FE-11.6+ (registry engines, payment/booking UI, QR, short links, cards, marketplace, checkout, ticketing, learning) **not started**.

**Architecture patch (docs only):** [ADR-022](architecture/adr/ADR-022.md) Published Resource Architecture accepted — [phase-handover/phase-experience-published-resource-arch.md](phase-handover/phase-experience-published-resource-arch.md).

**Architecture freeze (docs only):** Actions + Access + Embed — [phase-handover/phase-experience-arch-freeze.md](phase-handover/phase-experience-arch-freeze.md). Status: **ARCHITECTURE COMPLETE**. No registry/access/embed engines until a future registered phase.

## Suggested next platform tracks

Pick one track per team capacity (see [roadmap.md](roadmap.md) and [phase-manifest.yaml](ai-framework/phase-manifest.yaml)):

| Track | Next phase | Notes |
| --- | --- | --- |
| **Payment (Torbat Pay)** | `payment-14.6` Refunds & Reversals | Backend MVP 14.0–14.5 + frontend complete; LATER priority |
| Delivery | `delivery-10.9` Merchant Connector & App Surfaces | Backend 10.2–10.8 complete; frontend gates pending |
| Loyalty | `loyalty-7.7` Gift Card Platform | After Wallet 7.6 |
| Hospitality | `hospitality-12.9` AI Assistant | After Analytics 12.8 |
| Sports Center | `sports-center-9.8` Financial Integration | Cross-service APIs/events |

Mandatory entry for any new phase: prior phase handover + [Enterprise Phase Discovery](ai-framework/enterprise-phase-discovery.md).