merchant: landing-stats + helpers; demo instance note

configs/taler-merchant/demo-instance-goa-demo-cp4zqk.md

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+# Demo merchant instance `goa-demo-cp4zqk`
+
+Created **2026-07-09** via self-provisioning (`POST /instances`, no SMS TAN).
+
+## Merchant
+
+| Field | Value |
+|-------|--------|
+| SPA | https://taler.hacktivism.ch/webui/ |
+| Instance ID | `goa-demo-cp4zqk` |
+| Display name | GOA Demo Shop cp4zqk |
+| Instance password | **not in this repo** — `koopa-admin-secrets/koopa/host-root/taler-merchant/merchant-goa-demo-cp4zqk-password.txt` → `/root/…` |
+| Backend base | `https://taler.hacktivism.ch/instances/goa-demo-cp4zqk/` |
+| Self-provisioning | YES; `mandatory_tan_channels: []` |
+
+Login: SPA → instance id + password (or bearer `secret-token:$PASSWORD`).
+
+## Bank account (linked)
+
+| Field | Value |
+|-------|--------|
+| Bank SPA | https://bank.hacktivism.ch/webui/ |
+| Username | `goa-demo-cp4zqk` |
+| Password | **not in this repo** — `koopa-admin-secrets/koopa/host-root/taler-bank/bank-goa-demo-cp4zqk-password.txt` → `/root/…` |
+| Payto | `payto://x-taler-bank/bank.hacktivism.ch/goa-demo-cp4zqk?receiver-name=GOA%20Demo%20Shop%20cp4zqk` |
+| Seed balance | **GOA:5000** (admin credit) |
+| Debit threshold | GOA:100000 (default) |
+
+Merchant wire account (private API):
+
+```http
+POST /instances/goa-demo-cp4zqk/private/accounts
+Authorization: Bearer secret-token:…
+{ "payto_uri": "payto://x-taler-bank/bank.hacktivism.ch/goa-demo-cp4zqk?receiver-name=GOA%20Demo%20Shop%20cp4zqk" }
+```
+
+Verified: account **active**, `h_wire` present.
+
+### Credit facade (automatic settlement import)
+
+Merchant **wirewatch** imports bank credits via the **Taler Revenue API** (not the exchange wire-gateway):
+
+| Field | Value |
+|-------|--------|
+| `credit_facade_url` | `https://bank.hacktivism.ch/accounts/goa-demo-cp4zqk/taler-revenue/` |
+| credentials | **bearer** bank access token (Basic is rejected on history) |
+| process | `taler-merchant-wirewatch` (+ `depositcheck`) |
+
+Setup helper (host root): `scripts/taler-merchant/setup_credit_facade.sh`
+
+Without this facade, bank credits still land (exchange→merchant), but orders stay `wired=false` / `private/transfers` empty.
+
+## Related config
+
+- Exchanges: **CHF** `taler-ops` + **GOA** `exchange.hacktivism.ch` (both enabled)
+- SMS TAN: off
+- Bank DEFAULT_EXCHANGE: `https://exchange.hacktivism.ch/`
+- Container hosts: public IP `212.51.151.254` for `exchange.hacktivism.ch` (not 127.0.0.1)
+
+### SPA / KYC for this GOA payto
+
+- **hacktivism / GOA:** `status=ready` (settlement path)
+- **taler-ops / CHF:** `unsupported-account` — expected (x-taler-bank vs CHF/IBAN)

configs/taler-merchant/terms-src/merchant-tos-dual-v0.en.rst

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+No Formal Terms · Dual Currency Notice
+======================================
+
+This is a **self-hosted GNU Taler merchant backend** at
+``taler.hacktivism.ch`` (hacktivism.ch).
+
+**No formal terms of service** from Taler Operations AG (or any other
+third-party portal operator) apply to this instance. This short notice
+is the site policy for using the backend.
+
+Dual currency
+-------------
+
+This backend is configured for **two currencies at once**:
+
+* **GOA** — explorational / experimental currency of the local
+  stack (``exchange.hacktivism.ch``, ``bank.hacktivism.ch``).
+  GOA is **not** legal tender. It has **no guaranteed real-world
+  value**, redemption, or convertibility.
+* **CHF** — Swiss francs, a **real** currency. CHF amounts are
+  real money settled via the CHF exchange configured on this host
+  (taler-ops / TOPS infrastructure as deployed). Treat CHF with
+  the seriousness of ordinary payments.
+
+By creating a merchant instance, accepting payments, or otherwise
+using this service you acknowledge that:
+
+* GOA is for exploration and testing only.
+* CHF involves real money — only use funds you control and can
+  afford to risk on a self-hosted experimental stack.
+* There is no guaranteed availability, support, or uptime.
+* Operators may reset GOA state, change configuration, delete
+  instance data, or interrupt service without notice.
+* Software is provided as-is, without warranty.
+
+If you do not agree, do not use this merchant backend.
+
+Related
+-------
+
+* Exchange (GOA): https://exchange.hacktivism.ch/terms
+* Bank intro: https://bank.hacktivism.ch/intro/
+* Merchant intro: https://taler.hacktivism.ch/intro/