# Partner end-to-end UAT closure

## Journey covered

The verified Partner journey is: referral registration -> server-created MembershipOrder snapshot -> verified fulfilment -> exactly-once Partner or non-Partner commission -> isolated wallet -> withdrawal reservation -> admin approve/reject or paid -> immutable receipt snapshot -> protected PDF download.

Direct Partner first payments use `base = discount + Partner commission + TakafulHub net`. At 10000 minor units with a 4000 bps benefit and 50/50 allocation, the buyer pays 8000, the Partner receives 2000, and net is 6000. A 0/100 allocation gives a 4000 discount and no payout; a 100/0 allocation gives no discount and a 4000 payout. Direct non-Partner referrals receive their configured normal E-Wallet first-payment commission; a higher Partner does not receive a first-payment payout.

Renewals charge the full current price and use the snapshotted top Partner. No Partner ancestry produces no renewal payout; the highest Partner wins in multi-Partner ancestry. Existing order snapshots remain authoritative through later price, rate, allocation, Partner-status, and hierarchy changes.

## Wallet, withdrawal, and receipt lifecycle

Partner Wallet, normal E-Wallet, and Lead Credit Wallet are separate. Withdrawal requests reserve funds, approval preserves the reserve, rejection releases it, and paid releases it while permanently debiting total Partner balance and creating one ledger debit. Paid transitions atomically create one immutable receipt snapshot and annual receipt number. Partner/admin receipt downloads are pure reads using only that snapshot.

## Confidentiality and boundaries

Only a current Partner may reach Partner portal, allocation, withdrawal, and own paid-receipt routes. Admin retains audit access. Buyers see only base price, neutral discount, and payable amount; they do not see Partner identity, rates, hierarchy, or commission economics. All checkout, fulfilment, withdrawal, paid, and receipt values are derived server-side; browser financial fields are ignored.

## Intentional deferrals

Bank integration, automatic payout, email receipts, PDF storage, receipt editing/regeneration, tax invoices, hierarchy UI, extra commission tiers, and Partner analytics remain deferred.