LAYER 1 — TENANCY & IDENTITY
  ├─ Tenants, Users, Roles, KYC, GDPR, Consent, API Keys, JWT, Sessions
  ├─ Branches, Warehouses, Legal Entities, Operators (white-label)
  └─ Multi-currency, Multi-locale, Multi-chain, Multi-regulator

LAYER 2 — CATALOG & INVENTORY
  ├─ Products, Categories, SKUs, HS Codes, Barcodes, Planograms
  ├─ Per-branch stock, Per-warehouse stock, Batch/Expiry (pharmacy, grocery)
  └─ Replenishment, Transfers, Stock counts

LAYER 3 — COMMERCE
  ├─ POS (web + mobile + autonomous store)
  ├─ Restaurant, Pharmacy, Grocery, Service business modes
  ├─ D2C storefront, B2B marketplace, Manufacturer catalog
  └─ Subscriptions, Coupons, Loyalty, Gift cards

LAYER 4 — FINANCE
  ├─ Double-entry ledger, Chart of accounts, Multi-entity consolidation
  ├─ Wallets, BNPL, Loans (MCA, term, LOC, invoice finance)
  ├─ Franchise advances, Treasury, FX, Payouts
  └─ Tax engine, Tax filings, Multi-jurisdiction compliance

LAYER 5 — NETWORK
  ├─ Cross-store lending, Trust scoring
  ├─ Data cooperative (benchmarks, k-anon, DP)
  ├─ B2B marketplace (RFQ, quotes, orders)
  └─ Services marketplace (contractors, tradespeople)

LAYER 6 — LOGISTICS & FULFILLMENT
  ├─ Drivers, Routes, Dispatch (2-opt TSP)
  ├─ Warehouses, ASRS/AMR adapters, Pick-to-light
  ├─ Dropship, 3PL, Cross-border landed cost, Customs
  └─ Last-mile tracking, Proof of delivery

LAYER 7 — INTELLIGENCE
  ├─ Forecasting (Holt-Winters + seasonal)
  ├─ Dynamic pricing (elasticity + competitors + inventory)
  ├─ Assortment AI (demographic + regional)
  ├─ Signals (weather, events, learned multipliers)
  ├─ AI Store Manager (Copilot + tools + autonomy policy)
  ├─ Vertical agents (pharmacy, restaurant, grocery)
  ├─ Vision (shelf OOS, planogram, people counting, theft)
  ├─ Voice (intent parser + TTS)
  └─ OCR (receipts, invoices)

LAYER 8 — SETTLEMENT & TRUST
  ├─ Merkle anchoring of daily ledgers
  ├─ ZK loyalty + receipt ownership proofs
  ├─ On-chain escrow (Solidity)
  └─ Public verification endpoints

LAYER 9 — PLATFORM & ECOSYSTEM
  ├─ OpenAPI spec, SDKs (9 languages), Webhooks
  ├─ Data clean room, Regulatory packs, Embedded finance
  └─ Plugin marketplace (signed), Theming, White-label

LAYER 10 — CORPORATE
  ├─ Multi-entity consolidation
  ├─ M&A pipeline (DD, integration, synergy tracking)
  ├─ Public company operations (SEC filings, IR, earnings)
  ├─ Strategic planning (5-year, capital allocation)
  └─ IPO readiness (KPIs, board packages, disclosure tracker)