docs: define opaque payer token handling
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@@ -154,8 +154,9 @@ Resolved: use Ent for application persistence/modeling and pgx/PostgreSQL `COPY`
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Resolved: interpret timezone-naive source timestamps as `Asia/Tehran`, normalize canonical timestamps to UTC, expose ISO-8601 timestamps through APIs, and retain the immutable source/import provenance needed to reproduce the conversion. See ADR 0004.
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Resolved: retain `payer_card_key` unchanged as a restricted, merchant-scoped opaque source token for internal repeat-payer analytics. Do not HMAC it, expose it, log it, export it, or send it to AI providers. Its upstream semantics remain unverified. See ADR 0005.
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Remaining approval gates:
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1. Whether `payer_card_key` must be retained, irreversibly transformed, or omitted after derived analytics.
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2. Minimum cohort size and suppression policy for peer benchmarks.
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3. Physical partitioning/materialization strategy, which must follow measured query needs rather than the logical ERD alone.
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1. Minimum cohort size and suppression policy for peer benchmarks.
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2. Physical partitioning/materialization strategy, which must follow measured query needs rather than the logical ERD alone.
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