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docs: confirm 5% p.a. interest and document the squeeze

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OQ-1 is resolved: overdue interest is 5% per year. Record the credit
limit as a risk bound that strangles a degenerated cost center instead
of killing it on the first missed settlement.
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tegwick 2026-08-14 11:32:45 +02:00
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docs/TermsOfResourceProcurement.md
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@ -29,6 +29,12 @@ accounts so each can develop as a **profit center** under the umbrella
company. Railiance procures and manages IT resources for the group. The other
centers consume those resources on published internal terms.
A center that cannot settle is not treated as a permanent draw on the
group. The credit facility in [§ 11](#11-credit-interest-and-restricted-consumption)
caps further exposure and gradually restricts consumption, so an unprofitable
center must improve market access, offerings, and pricing — or fade as its
allowance shrinks. It is not killed on the first missed settlement.
`resource-control` is the control plane that makes that arrangement operable:
- every expense, estimate, usage observation, and expense evaluation belongs
@ -429,6 +435,28 @@ does not generate a payment instruction to itself.
This facility is internal working capital from Railiance to the other
centers. It is not a bank loan and not an external credit line.
### 11.0 Purpose of the restriction
The default limit and the restricted allowance exist to **bound group risk
when a profit center degenerates into a cost center**.
A center that does not earn enough to settle with Railiance is not
terminated on the first overdue statement, and it is not allowed to keep
drawing resources without limit. Outstanding may remain outstanding for as
long as needed. New consumption is strangled: first by the €1 000 trigger,
then by the €50 monthly cap, then a little more each month as 5 % annual
interest takes a slice of that cap.
That residual room is deliberate. At the default limit the center still has
about €45.83 of transfer-price consumption per month — enough to keep a
thin operation alive while it improves market access, offerings, and
pricing, not enough to grow at the group's expense. A center that does not
recover will fade toward irrelevance as interest compounds on the overdue
balance and the usable allowance stays small.
Human authority may still kill, recapitalize, or waive. These terms only
automate the squeeze, not the sentence.
### 11.1 Parameters (V0.1 default)
| Parameter | Default | Notes |
@ -436,10 +464,10 @@ centers. It is not a bank loan and not an external credit line.
| Credit limit | **€1 000.00** | Per consuming entity. A named entity may be granted a different limit by human financial authority. |
| Payment term | **10 calendar days** | After statement date. |
| Extension | **unlimited in time** | An overdue balance is not time-barred by these terms. |
| Interest | **5 % per year** | Applied to overdue outstanding. See open question OQ-1. |
| Interest | **5 % per year** | Confirmed 2026-08-14 (OQ-1). Applied to overdue outstanding. |
| Interest convention | simple, monthly | `interest = overdue × 0.05 / 12` at each subsequent month-end close, on the overdue principal (and previously capitalized interest if any remains unpaid). |
| Restricted monthly consumption | **€50.00** transfer price | Applies when outstanding ≥ credit limit. |
| Restricted allowance | `max(0, 50.00 − interest_this_month)` | New resource consumption, not a waiver of interest. |
| Restricted allowance | `max(0, 50.00 − interest_this_month)` | New resource consumption, not a waiver of interest. Leaves a thin residual at the default limit so the center is squeezed, not frozen. |
Railiance as self-consumer has no credit limit under these terms.
External provider credit is a provider-contract concern.
@ -675,9 +703,16 @@ list.
## 17. Open questions for later versions
### Resolved
| ID | Resolution | Date |
| --- | --- | --- |
| OQ-1 | **5 % per year**, not per month. Monthly 5 % would zero the €50 allowance at the default €1 000 limit and freeze the center. The annual rate is part of the squeeze: at the default limit the center keeps a thin residual (~€45.83 transfer price) so it can try to recover rather than being cut off. | 2026-08-14 |
### Still open
| ID | Question | V0.1 stance |
| --- | --- | --- |
| OQ-1 | Is 5 % interest annual or monthly? Annual is the V0.1 reading (commercial convention). Monthly 5 % would zero the €50 allowance at the default €1 000 limit (`1000 × 0.05 = 50`). Confirm. | 5 % per annum |
| OQ-2 | Should committed provider terms (domains, reserved instances) be cancellable automatically in restricted mode? | No; flag for human decision |
| OQ-3 | Should markup apply to labor, or only to provider cash cost? | Labor is in delivered cost, therefore marked up |
| OQ-4 | Should Binky, as umbrella, pay markup to Railiance, or receive platform services at cost? | Binky pays markup; elimination is accounting |
@ -723,3 +758,4 @@ list.
| Version | Date | Change |
| --- | --- | --- |
| V0.1 | 2026-08-14 | Initial baseline: six financial entities; Railiance procures and manages; cost plus 20 %; monthly settlement; 10-day payment; 5 % p.a. interest with unlimited extension; €1 000 default credit limit; restricted consumption €50/month minus monthly interest. |
| V0.1 | 2026-08-14 | OQ-1 confirmed: interest is 5 % per year. Documented the restriction as a risk bound and a gradual squeeze on centers that degenerate into cost centers — not an instant kill. |