Scope note
A Settlement Proof Is Not an Invoice
What the protocol can establish
For an admitted offer, PayMoney can establish that a specific authenticated bank record satisfied the committed PLN amount bound and other payment terms, authorizing the corresponding private USDC transition. A wallet may retain a private receipt marker for local accounting.
What it deliberately does not establish
The offer is not a VAT invoice. PayMoney does not identify the tax treatment, calculate VAT, generate or submit statutory reports, determine employment status, perform payroll, or reconcile a general ledger. A private payment proof does not cancel any record-keeping duty imposed on the participants.
A business integration would have to compose those systems around the settlement result without turning them into hidden conditions for crypto release.