Data model

Prisma models on MongoDB: identity, payments, vault, and compliance data.

Prisma is the ORM over MongoDB (relationMode = "prisma"). Identity is wallet or Privy based; businesses own all payment and compliance data.

Model	Purpose
`AppUser` / `Membership`	Privy users and their RBAC role on a business
`Business`	Workspace: profile, tier, widgets, vault config
`LinkedWallet`	Stellar wallets bound to a business
`AuthChallenge`	One time SEP 53 sign in challenges (10 min TTL)
`PaymentLink`	Collect links + attribution memo + ZK nullifier
`PendingPaymentMemo`	Dark pool one time memo hash for attribution
`OutgoingPayment` / `Withdrawal`	Pool payouts and spent nullifiers
`BusinessEmployee(Payment)`	Team roster and payroll history
`DocumentVaultItem`	Saved compliance checklists / documents