diff --git a/audiences/investors/pitch-deck.outdated/MARKET_TIMING_SLIDE_UPDATE.md b/audiences/investors/pitch-deck.outdated/MARKET_TIMING_SLIDE_UPDATE.md index 1c8452d..dadb939 100644 --- a/audiences/investors/pitch-deck.outdated/MARKET_TIMING_SLIDE_UPDATE.md +++ b/audiences/investors/pitch-deck.outdated/MARKET_TIMING_SLIDE_UPDATE.md @@ -90,7 +90,7 @@ This document provides **research-backed additions** to the investor pitch deck, | Repressive Pressure | Our Response | |---------------------|--------------| | Age verification mandates | Built-in verification systems | -| Payment deplatforming | Multi-provider fallback (Stripe → crypto → escrow) | +| Payment deplatforming | Multi-provider fallback (Segpay → crypto → escrow) | | Platform exits | We stay operational | | Underground risk | We're the **regulated alternative** | diff --git a/audiences/investors/pitch-deck.outdated/REVENUE_MODEL.md b/audiences/investors/pitch-deck.outdated/REVENUE_MODEL.md index 3f6a31d..6fa9697 100644 --- a/audiences/investors/pitch-deck.outdated/REVENUE_MODEL.md +++ b/audiences/investors/pitch-deck.outdated/REVENUE_MODEL.md @@ -103,7 +103,7 @@ **Why flat fee:** - Clients learn fast: "If I am paying $10 anyway, buy more" -- Fewer transactions = less Stripe fees, less overhead +- Fewer transactions = less Segpay fees, less overhead - Simple: everyone pays the same, no tier math - Revenue funds cam/streaming infrastructure diff --git a/audiences/investors/pitch-deck.outdated/SUBSCRIPTION_TIERS.md b/audiences/investors/pitch-deck.outdated/SUBSCRIPTION_TIERS.md index 64cca59..0050d77 100644 --- a/audiences/investors/pitch-deck.outdated/SUBSCRIPTION_TIERS.md +++ b/audiences/investors/pitch-deck.outdated/SUBSCRIPTION_TIERS.md @@ -21,7 +21,7 @@ - **Tokens accumulate**: No FOMO ("use it or lose it") - **Better retention**: Even inactive users build token balance - **Escrow built-in**: Tokens held on platform until service complete -- **Batch payments**: Lower Stripe fees to creators +- **Batch payments**: Lower Segpay fees to creators - **Chargeback protection**: Tokens already in platform - **Live bonus pool**: Creates urgency and gamification @@ -395,13 +395,13 @@ Helped fund: 2 Weekend packages for other users **Problems**: - "Use it or lose it" daily limits → Poor retention - No escrow → Chargeback risk -- High Stripe fees (many small transactions) +- High Segpay fees (many small transactions) ### New Model (Token-Based Accumulation) **Advantages**: - Tokens accumulate → Better retention (even inactive users build balance) - Escrow built-in → Lower chargeback risk -- Batch payments → Lower Stripe fees to creators +- Batch payments → Lower Segpay fees to creators - Live bonus pool → Urgency + gamification - Progressive creator fee → Sustainable + fair diff --git a/audiences/investors/pitch-deck.outdated/SUSTAINABLE_ECONOMICS.md b/audiences/investors/pitch-deck.outdated/SUSTAINABLE_ECONOMICS.md index b8610fb..42cf9b6 100644 --- a/audiences/investors/pitch-deck.outdated/SUSTAINABLE_ECONOMICS.md +++ b/audiences/investors/pitch-deck.outdated/SUSTAINABLE_ECONOMICS.md @@ -133,7 +133,7 @@ ONGOING COST every year forever ### When to Build vs Buy: **Always buy at first**: -- Payment processing (Stripe, USDC smart contracts) +- Payment processing (Segpay, USDC smart contracts) - KYC/age verification (too legally complex to DIY) - Email delivery (deliverability requires reputation) diff --git a/audiences/investors/pitch-deck.outdated/TOKEN_ECONOMICS.md b/audiences/investors/pitch-deck.outdated/TOKEN_ECONOMICS.md index 1a32146..602f895 100644 --- a/audiences/investors/pitch-deck.outdated/TOKEN_ECONOMICS.md +++ b/audiences/investors/pitch-deck.outdated/TOKEN_ECONOMICS.md @@ -37,7 +37,7 @@ **Key advantages**: - **Escrow built-in**: Tokens held on platform until service complete - **Chargeback protection**: Tokens already in user account -- **Batch payments**: Lower Stripe fees to creators +- **Batch payments**: Lower Segpay fees to creators - **Better retention**: Tokens accumulate vs use-it-or-lose-it limits --- @@ -145,7 +145,7 @@ NET TO PLATFORM: $0 (the match is a COST) **Why flat fee**: - Clients learn fast: If paying $10 anyway, buy more -- Fewer transactions = less Stripe fees, less overhead +- Fewer transactions = less Segpay fees, less overhead - Simple: everyone pays the same, no tier math - Revenue funds cam/streaming infrastructure diff --git a/audiences/investors/pitch-deck.outdated/creator-acquisition.md b/audiences/investors/pitch-deck.outdated/creator-acquisition.md index 3746406..f9061ba 100644 --- a/audiences/investors/pitch-deck.outdated/creator-acquisition.md +++ b/audiences/investors/pitch-deck.outdated/creator-acquisition.md @@ -321,7 +321,7 @@ **Process**: - Upload government ID - Take live selfie -- Automated verification (Stripe Identity) +- Automated verification (Segpay identity verification) - Result in minutes **Required**: Can't go live without verification diff --git a/business/market-research/REPRESSION_THESIS_MARKET_TIMING.md b/business/market-research/REPRESSION_THESIS_MARKET_TIMING.md index 485aee3..9c0439f 100644 --- a/business/market-research/REPRESSION_THESIS_MARKET_TIMING.md +++ b/business/market-research/REPRESSION_THESIS_MARKET_TIMING.md @@ -315,7 +315,7 @@ PREDICTION: | Repressive Pressure | Our Response | Competitive Advantage | |---------------------|--------------|----------------------| | Age verification mandates | Built-in verification systems | Can operate in restricted states | -| Payment deplatforming | Multi-provider fallback (Stripe → crypto → escrow) | Financial resilience | +| Payment deplatforming | Multi-provider fallback (Segpay → crypto → escrow) | Financial resilience | | Content takedown pressure | Creator-controlled, DMCA-compliant | Not over-censoring | | Platform liability fears | Clear creator responsibility + escrow | Legal clarity | | "Forbidden" status driving underground | **We ARE the regulated alternative** | Trust captures demand | diff --git a/business/revenue-models/API_SPECIFICATION.md b/business/revenue-models/API_SPECIFICATION.md index d18e448..40cc7d1 100644 --- a/business/revenue-models/API_SPECIFICATION.md +++ b/business/revenue-models/API_SPECIFICATION.md @@ -390,8 +390,8 @@ POST /purchases ```json { "product_id": "550e8400-e29b-41d4-a716-446655440000", - "payment_method": "stripe", - "payment_method_id": "pm_1234567890", // Stripe payment method ID + "payment_method": "segpay", + "payment_method_id": "seg_1234567890", // Segpay payment method ID "quantity": 1, "shipping_address": { // Required for physical products "line1": "123 Main St", @@ -411,8 +411,8 @@ POST /purchases "product_id": "550e8400-e29b-41d4-a716-446655440000", "price_paid_cents": 2900, "currency": "USD", - "payment_method": "stripe", - "payment_id": "pi_1234567890", + "payment_method": "segpay", + "payment_id": "seg_1234567890", "status": "completed", "purchased_at": "2025-12-18T12:30:00Z", "fulfilled_at": "2025-12-18T12:30:05Z", @@ -1069,8 +1069,8 @@ const products = await client.businessVectors.getProducts('fan'); // Purchase a product const purchase = await client.purchases.create({ product_id: 'product-uuid', - payment_method: 'stripe', - payment_method_id: 'pm_123' + payment_method: 'segpay', + payment_method_id: 'seg_123' }); // Check credit balance @@ -1097,8 +1097,8 @@ products = client.business_vectors.get_products('fan') # Purchase a product purchase = client.purchases.create( product_id='product-uuid', - payment_method='stripe', - payment_method_id='pm_123' + payment_method='segpay', + payment_method_id='seg_123' ) # Check credit balance @@ -1118,13 +1118,13 @@ action = client.actions.perform( ### PCI DSS Compliance -**Compliance Level**: PCI SAQ-A (Stripe-hosted payments) +**Compliance Level**: PCI SAQ-A (Segpay-hosted payments) **Key Requirements**: 1. **Never Store Card Data**: - ❌ Do NOT store: Full card numbers, CVV, unencrypted PANs - - ✅ Store only: Stripe payment method IDs (`pm_*`), last 4 digits, card brand + - ✅ Store only: Segpay payment method IDs, last 4 digits, card brand ```typescript // ❌ NEVER DO THIS @@ -1136,8 +1136,8 @@ action = client.actions.perform( // ✅ ALLOWED interface AllowedData { - payment_method_id: string; // Stripe token (not real card) - payment_processor: 'stripe' | 'paypal'; + payment_method_id: string; // Segpay token (not real card) + payment_processor: 'segpay' | 'crypto'; last_4_digits: string; // Safe for display card_brand: 'visa' | 'mastercard'; } @@ -1156,35 +1156,30 @@ action = client.actions.perform( - Certificate pinning recommended for mobile apps 5. **Tokenization**: - - Use Stripe.js for card collection (card data never touches our servers) - - Payment method ID returned from Stripe + - Use Segpay payment form for card collection (card data never touches our servers) + - Payment method ID returned from Segpay **Example: PCI-Compliant Purchase Flow** ```typescript -// Client-side (using Stripe.js) -const stripe = Stripe('pk_...'); -const { paymentMethod } = await stripe.createPaymentMethod({ - type: 'card', - card: cardElement // Stripe handles securely -}); - -// Only send payment method ID to our API (NOT card data) -await fetch('/purchases', { +// Client-side (using Segpay checkout) +// Segpay handles card collection via hosted payment page +const segpayCheckoutUrl = await fetch('/purchases/initiate', { method: 'POST', headers: { 'Idempotency-Key': uuidv4() }, body: JSON.stringify({ product_id: 'product-uuid', - payment_method_id: paymentMethod.id // ✅ Safe token }) }); -// Server-side: Use Stripe SDK to charge -const charge = await stripe.paymentIntents.create({ - amount: 2900, - currency: 'usd', - payment_method: payment_method_id, - confirm: true +// Redirect user to Segpay hosted checkout +// Segpay handles card data securely, returns payment confirmation via webhook + +// Server-side: Handle Segpay webhook callback +// Segpay posts payment confirmation to our webhook endpoint +app.post('/webhooks/segpay', async (req, res) => { + const { transaction_id, status, amount } = req.body; + // Verify signature and process payment }); ``` diff --git a/business/revenue-models/DATABASE_SCHEMA.md b/business/revenue-models/DATABASE_SCHEMA.md index a37a850..733898f 100644 --- a/business/revenue-models/DATABASE_SCHEMA.md +++ b/business/revenue-models/DATABASE_SCHEMA.md @@ -446,7 +446,7 @@ CREATE TABLE user_purchases ( currency VARCHAR(3) NOT NULL, -- Payment - payment_method VARCHAR(50), -- 'stripe', 'paypal', 'crypto', 'gift_card' + payment_method VARCHAR(50), -- 'segpay', 'crypto', 'gift_card' payment_id VARCHAR(255), -- External payment processor ID -- Status @@ -491,7 +491,7 @@ CREATE TABLE user_subscriptions ( current_period_end TIMESTAMPTZ NOT NULL, next_billing_date TIMESTAMPTZ, - -- External subscription (Stripe, PayPal, etc.) + -- External subscription (Segpay, crypto gateway, etc.) external_subscription_id VARCHAR(255), -- Cancellation @@ -1000,7 +1000,7 @@ const result = await pool.query( 4. **Credit Deductions**: Use `SELECT FOR UPDATE` to prevent race conditions (see query above) 5. **PCI DSS Compliance**: - Never store full credit card numbers, CVV, or unencrypted PANs - - Only store payment processor tokens (e.g., Stripe `pm_*` IDs) + - Only store payment processor tokens (e.g., Segpay transaction IDs) - Encrypt `user_purchases` table at rest (PostgreSQL Transparent Data Encryption) - Audit log all payment operations 6. **Audit Logging**: Log all sensitive operations (purchases, credit adjustments, subscription changes) diff --git a/business/revenue-models/EXPERT_REVIEW_FINDINGS.md b/business/revenue-models/EXPERT_REVIEW_FINDINGS.md index dcb9989..50612a0 100644 --- a/business/revenue-models/EXPERT_REVIEW_FINDINGS.md +++ b/business/revenue-models/EXPERT_REVIEW_FINDINGS.md @@ -239,15 +239,15 @@ interface ForbiddenData { // ONLY store: interface AllowedData { - payment_method_id: string; // ✅ Stripe token (not real card) - payment_processor: 'stripe' | 'paypal'; + payment_method_id: string; // ✅ Segpay token (not real card) + payment_processor: 'segpay' | 'crypto'; last_4_digits: string; // ✅ Safe for display card_brand: 'visa' | 'mastercard'; } ``` **Required additions**: -1. Document PCI SAQ-A compliance (using Stripe = minimal requirements) +1. Document PCI SAQ-A compliance (using Segpay = minimal requirements) 2. Add audit logging table for all payment operations 3. Encrypt `user_purchases` table at rest (PostgreSQL TDE) 4. Never log payment_method_id in application logs diff --git a/business/revenue-models/MERCH_STORE_INTEGRATION.md b/business/revenue-models/MERCH_STORE_INTEGRATION.md index 3f3ffc2..9c8591e 100644 --- a/business/revenue-models/MERCH_STORE_INTEGRATION.md +++ b/business/revenue-models/MERCH_STORE_INTEGRATION.md @@ -234,7 +234,7 @@ Content-Type: application/json { "product_id": "550e8400-e29b-41d4-a716-446655440000", - "payment_method": "stripe", + "payment_method": "segpay", "payment_method_id": "pm_1234567890", "quantity": 1, "shipping_address": { @@ -250,7 +250,7 @@ Content-Type: application/json **What happens**: 1. Idempotency check (prevent duplicate orders) 2. Inventory check (ensure stock available) -3. Charge payment method via Stripe +3. Charge payment method via Segpay 4. Deduct inventory (with row locking) 5. Create purchase record 6. Log inventory adjustment @@ -456,12 +456,12 @@ COMMIT; --- ### 4. PCI DSS Compliance -**Never store credit card data**. Use Stripe tokens only. +**Never store credit card data**. Use Segpay tokens only. ```typescript // ✅ ALLOWED interface AllowedData { - payment_method_id: string; // Stripe token (pm_...) + payment_method_id: string; // Segpay token last_4_digits: string; // Safe for display } @@ -483,7 +483,7 @@ interface ForbiddenData { - [ ] Show inventory status (in stock, low stock, out of stock) ### Phase 2: Purchase Flow -- [ ] Implement Stripe payment collection (client-side) +- [ ] Implement Segpay payment collection (client-side) - [ ] Call `POST /purchases` with idempotency key - [ ] Handle insufficient inventory errors - [ ] Collect shipping address