D’Key Commerce account and checkout readiness.
The Academy now has a server-side learner-account, order, entitlement, receipt and reconciliation architecture. This infrastructure does not by itself make checkout public. Paid enrolment remains fail-closed until the seller identity, final price, receiving bank details and an explicit public-checkout launch switch have all been configured and the public terms have been accepted for launch.
When the bank-transfer route is enabled, a learner must sign in, submit the checkout acknowledgements and receive a signed D’Key order reference. Course access is granted only after the Academy reconciles the exact amount received against that order reference. A future card or wallet route must use a regulated payment component so raw card credentials do not enter Academy application code.
v0.3 control: commerce infrastructure ready · learner account required · public payment remains fail-closed until explicit launch activation.