Scope note
A Settlement Primitive, Not Workflow Software
What an integration can consume
The target state machine has two live states, Open and Claimed. Solve, Cancel, and Expire consume the offer as terminal transitions. A wallet or external system can observe the result it is authorized to know and keep its own records.
What PayMoney does not orchestrate
It does not provide purchase approvals, role directories, treasury policy, beneficiary onboarding, fraud scores, AML monitoring, invoice matching, batch payroll, ERP reconciliation, or a public settlement database. Adding those concerns to the proof predicate would expand both trust and audit surface far beyond the bounded PLN payment predicate.
An integration should compose around the typed result. It must not gain an operator path that can override settlement, reinterpret bank evidence, or recover user-controlled keys and witnesses.