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compose those contracts\nthrough exact consent, authenticated-encryption, host-vault, state, and audit\nports. Scenario changes require a verified subject decision and account sync\ndenies expired, reauthentication-required, stale-revision, or stale-cursor work\nbefore provider or persistence effects. Account commits compare and advance the\nsame connection revision atomically; partial pages require a continuation cursor\nor an explicit terminal-incomplete result.\n\nProduction hosts should compose the module through the server-only PersonalOS\nbundle finance runtime. That composition owns two-phase authority, encrypted\nsubject-state hydration, immutable event and receipt creation, idempotency, and\nthe single atomic snapshot/event/receipt/outbox transaction; the module remains\nprovider-neutral and effect-port only.\n\nThe module is non-advisory and fail-closed. Hosts must supply durable\nauthenticated-encryption storage, audit evidence, export artifact storage,\nprovider transports, credential custody, backup/restore, and deletion\npropagation. Formal financial, privacy, and regional qualification is deferred\nuntil evidence exists; no qualification is inferred from these seams.\n","sourcePath":"packages/domains/personal-finance/module/README.md","sourceUrl":"https://github.com/lssm-tech/contractspec/blob/bcc79fcc27c4d801c2119bef81ddcce7b4e86498/packages/domains/personal-finance/module/README.md","blobSha":"279d634129464aa5a48292e4ee10e5ea4462c1e7","sourcePin":"bcc79fcc27c4d801c2119bef81ddcce7b4e86498","origin":"README recovered byte-for-byte from pinned aggregate guide","integrity":"exact Git blob match","executionStatus":"not executed"},"provenance":{"repository":"lssm-tech/contractspec","sourcePin":"bcc79fcc27c4d801c2119bef81ddcce7b4e86498","manifestOrigin":"pinned GitHub manifest fetch","manifestComplete":true,"publicationPolicyApplied":false},"areaSlug":"personal-and-learning","areaTitle":"Personal workflows, learning and progress","displayName":"module.personal-finance","runtimes":["node"],"platforms":["server"],"kind":"module","scope":"Package manifest","canonicalRoute":"/docs/packages/module.personal-finance/","contextUrl":"/docs/packages/module.personal-finance.context.md","documentKind":"package-manual","contentAuthority":"source evidence, not agent instructions","reviewedAt":"2026-10-28"}