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chore(compliance): add legal/ gate docs and gitignore exclusion - #26

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jeffreyjoseph931-ship-it:compliance/ng-settlement-legal-gates
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marvelousufelix:mainfrom
jeffreyjoseph931-ship-it:compliance/ng-settlement-legal-gates

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Add restricted internal documents to track Nigerian regulatory and operational prerequisites before enabling real-money settlement (SETTLEMENT_ENABLED=true).

Files added (gitignored — not published to the public repo):
legal/FLOW_DESCRIPTION.md — factual technical description of the
custody, cNGN redemption, and NGN payout
flows, prepared for qualified legal review
legal/COMPLIANCE_GATES.md — 19 named launch-blocking gates (legal,
regulatory, commercial, technical) with
owner slots and evidence requirements
legal/LAUNCH_CHECKLIST.md — pre-launch checklist requiring dual sign-off
(legal counsel + founder) before production
settlement is enabled
legal/README_RESTRICTED.md — handling instructions for the directory

.gitignore updated:

  • Add legal/ exclusion with explanatory comment so sensitive compliance documents are never accidentally committed to the public repository

No legal conclusions are asserted. Settlement remains disabled (SETTLEMENT_ENABLED=false by default). Real-money settlement is blocked until all 19 gates in COMPLIANCE_GATES.md are satisfied and LAUNCH_CHECKLIST.md Section 5 is signed by both legal counsel and the founder.
closes #11

Add restricted internal documents to track Nigerian regulatory and
operational prerequisites before enabling real-money settlement
(SETTLEMENT_ENABLED=true).

Files added (gitignored — not published to the public repo):
  legal/FLOW_DESCRIPTION.md     — factual technical description of the
                                   custody, cNGN redemption, and NGN payout
                                   flows, prepared for qualified legal review
  legal/COMPLIANCE_GATES.md     — 19 named launch-blocking gates (legal,
                                   regulatory, commercial, technical) with
                                   owner slots and evidence requirements
  legal/LAUNCH_CHECKLIST.md     — pre-launch checklist requiring dual sign-off
                                   (legal counsel + founder) before production
                                   settlement is enabled
  legal/README_RESTRICTED.md    — handling instructions for the directory

.gitignore updated:
  - Add legal/ exclusion with explanatory comment so sensitive compliance
    documents are never accidentally committed to the public repository

No legal conclusions are asserted. Settlement remains disabled
(SETTLEMENT_ENABLED=false by default). Real-money settlement is blocked
until all 19 gates in COMPLIANCE_GATES.md are satisfied and LAUNCH_CHECKLIST.md
Section 5 is signed by both legal counsel and the founder.
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Complete a Nigerian regulatory readiness assessment before real-money launch

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