repo redirection

docs/core-idea.md

@@ -53,7 +53,7 @@ The product sits between customer payment collection and employer payout.
 
 ### Instant access rails
 
-- Start with instant bank transfer or `Pix` cash-out.
+- Start with instant or fast bank-transfer cash-out on the relevant local rail.
 - Later add stored balance inside the app.
 - Later add a prepaid or debit card linked to the balance.
 
@@ -74,12 +74,12 @@ The safest early structure is partner-led custody.
 
 - A regulated bank or licensed financial partner holds funds.
 - The platform owns the application layer, commission logic, ledger, and payout orchestration.
-- Cards, `Pix`, KYC, and regulated money movement are handled through partners.
+- Cards, local payout rails, KYC, and regulated money movement are handled through partners.
 
 Example flow:
 
 ```text
-Customer pays R$1,000
+Customer pays 1,000 in local currency
         |
         v
 Partner-held account receives funds
@@ -87,8 +87,8 @@ Partner-held account receives funds
         v
 Commission engine calculates split
         |
-        +-- Employee commission: R$200
-        +-- Employer balance: R$800
+        +-- Employee commission: 200
+        +-- Employer balance: 800
         +-- Platform fee and reserve logic applied
         |
         v
@@ -189,9 +189,10 @@ The company is best understood as `commission infrastructure`.
 
 ## Current strategic recommendation
 
-- Start in Brazil.
-- Lead with `Pix`-based instant access to earned commissions.
+- Keep the core ledger, commission logic, and employer workflows geography-agnostic.
+- Choose launch markets based on payment-event traceability, employer pain, partner availability, and local payout rails.
 - Use partner-led custody and compliance.
+- Lead with fast access to earned commissions over the relevant local rail.
 - Treat stored balances and cards as retention tools, not the initial wedge.
 - Treat employer analytics as a second major value driver.
 - Delay true lending until the core ledger and payout engine are reliable.