hamid
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<title>Platform Summary & Cross-Cutting Ground Truths — Balinyaar docs</title>
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<a class="brand" href="../index.html"><span class="dot"></span> Balinyaar docs</a>
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<p class="tagline">Trust-first home-nursing marketplace · Iran</p>
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<nav><div class="group"><div class="label">Start here</div><ul><li><a href="../index.html">Docs home</a></li><li><a class="active" href="platform-summary.html">Platform summary & ground truths</a></li></ul></div><div class="group"><div class="label">Business requirements</div><ul><li><a href="../business/index.html">Overview & MVP scope</a></li><li><a href="../business/01-actors-and-onboarding.html">1. Actors & onboarding</a></li><li><a href="../business/02-nurse-verification.html">2. Nurse verification</a></li><li><a href="../business/03-service-catalog-and-pricing.html">3. Service catalog & pricing</a></li><li><a href="../business/04-search-and-matching.html">4. Search & matching</a></li><li><a href="../business/05-booking-and-scheduling.html">5. Booking & scheduling</a></li><li><a href="../business/06-evv-and-service-delivery.html">6. EVV / service delivery</a></li><li><a href="../business/07-cancellation-and-refunds.html">7. Cancellation & refunds</a></li><li><a href="../business/08-payments-and-escrow.html">8. Payments & escrow</a></li><li><a href="../business/09-installments-bnpl.html">9. Installments / BNPL</a></li><li><a href="../business/10-payouts.html">10. Payouts to nurses</a></li><li><a href="../business/11-reviews-trust-and-safety.html">11. Reviews, trust & safety</a></li><li><a href="../business/12-messaging-and-emergencies.html">12. Messaging & emergencies</a></li><li><a href="../business/13-tax-invoicing-and-legal.html">13. Tax, invoicing & legal</a></li><li><a href="../business/14-notifications-and-admin.html">14. Notifications & admin</a></li></ul></div><div class="group"><div class="label">Database model</div><ul><li><a href="../data-model/index.html">Overview & decisions</a></li><li><a href="../data-model/diagrams.html">Diagrams</a></li><li><a href="../data-model/01-identity-and-access.html">1. Identity & access</a></li><li><a href="../data-model/02-geography.html">2. Geography</a></li><li><a href="../data-model/03-services-and-pricing.html">3. Services & pricing</a></li><li><a href="../data-model/04-verification-and-credentials.html">4. Verification & credentials</a></li><li><a href="../data-model/05-booking-and-scheduling.html">5. Booking & scheduling</a></li><li><a href="../data-model/06-payments-ledger-and-refunds.html">6. Payments, ledger & refunds</a></li><li><a href="../data-model/07-payouts.html">7. Payouts</a></li><li><a href="../data-model/08-bnpl.html">8. BNPL / installments</a></li><li><a href="../data-model/09-messaging.html">9. Messaging</a></li><li><a href="../data-model/10-reviews-and-records.html">10. Reviews & records</a></li><li><a href="../data-model/11-notifications.html">11. Notifications</a></li><li><a href="../data-model/12-audit-config-and-reference.html">12. Audit, config & reference</a></li><li><a href="../data-model/13-partner-centers-and-future.html">13. Partner centers & future</a></li></ul></div><div class="group"><div class="label">Payments deep-dive</div><ul><li><a href="../payments/index.html">Overview & exec summary</a></li><li><a href="../payments/iranian-payment-reality.html">Iranian payment reality</a></li><li><a href="../payments/escrow-ledger.html">Escrow as a ledger</a></li><li><a href="../payments/bnpl-landscape.html">BNPL landscape & finding</a></li><li><a href="../payments/cancellation-and-payout.html">Cancellation & nurse payout</a></li><li><a href="../payments/integration-notes.html">Integration & schema touchpoints</a></li><li><a href="../payments/sources.html">Recommendations & sources</a></li></ul></div><div class="group"><div class="label">Research & strategy</div><ul><li><a href="../research/index.html">Overview & exec summary</a></li><li><a href="../research/market-and-competitors.html">Market & competitors</a></li><li><a href="../research/problems-and-risks.html">Problems & risks</a></li><li><a href="../research/verification.html">Verification (research)</a></li><li><a href="../research/legal-landscape.html">Legal landscape</a></li><li><a href="../research/go-to-market.html">Go-to-market & sources</a></li></ul></div><div class="group"><div class="label">Notes & more</div><ul><li><a href="../notes/open-questions.html">Open questions</a></li><li><a href="../notes/future-ideas.html">Future ideas</a></li><li><a href="../wireframes/index.html">Wireframes</a></li><li><a href="../fa/index.html">Farsi documents</a></li></ul></div></nav>
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<h1 id="platform-summary-cross-cutting-ground-truths">Platform Summary & Cross-Cutting Ground Truths</h1>
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<p><a href="../index.html">← Product docs home</a></p>
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<p><strong>Balinyaar is a trust-first home-nursing marketplace in Iran.</strong> Independent, individually-verified nurses register, list configurable services with their own pricing, and pass a multi-step verification pipeline anchored on the MoH <strong>پروانه صلاحیت حرفهای</strong> (professional-competency license). Families search — filtered by city/district <strong>and same-gender caregiver preference</strong> — pick a nurse and a service variant, submit a booking request, and pay <strong>through the platform</strong> after the nurse accepts. The platform records the money as an <strong>internal escrow ledger state</strong> (not platform-held cash), the nurse performs one or more EVV-verified visits, and the platform pays the nurse <strong>weekly, after the dispute window closes</strong>, minus a platform commission. All post-booking communication runs through an admin-readable ticket system.</p>
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<p>At launch the platform operates under a <strong>partner licensed home-nursing center (مرکز مشاوره و ارائه مراقبتهای پرستاری در منزل)</strong> — the Asanism-style model — which is the legal vehicle and the likely <strong>merchant-of-record</strong> for payments while Balinyaar's own MoH permit is in process.</p>
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<hr>
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<h2 id="the-four-cross-cutting-ground-truths">The four cross-cutting ground truths <a class="anchor" href="#the-four-cross-cutting-ground-truths" aria-hidden="true">#</a></h2>
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<p>These hold across <strong>every</strong> business area and data-model domain. They are the load-bearing decisions the rest of the docs assume.</p>
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<ol>
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<li><strong>Balinyaar cannot legally custody customer cash.</strong> Under Iranian rules a پرداختیار (payment</li>
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</ol>
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<p> facilitator) is forbidden from holding deposits, running wallets, or moving money between merchants. Money always flows card → licensed PSP → Shaparak settlement → <strong>bank-registered IBANs</strong>. "Escrow" is therefore an <strong>internal ledger state</strong> over funds custodied at a licensed provider/partner bank — never a Balinyaar-owned cash balance. See <a href="../payments/escrow-ledger.html">escrow as a ledger</a> and the <a href="../data-model/06-payments-ledger-and-refunds.html"><code>ledger_entries</code></a> entity.</p>
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<ol>
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<li><strong>VAT is 10%</strong>, not 9% — it rose from 9% to 10% in 1403 (7% government + 3% municipal) and is</li>
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</ol>
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<p> treated as a <strong>configurable</strong> rate. See <a href="../payments/iranian-payment-reality.html">Iranian payment reality §2.6</a> and <a href="../business/13-tax-invoicing-and-legal.html">tax, invoicing & legal</a>.</p>
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<ol>
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<li><strong>BNPL is full-upfront.</strong> A BNPL provider settles **one full-amount lump (net of its commission)</li>
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</ol>
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<p> to the merchant-of-record**, bears 100% of customer-default risk, and owns the customer's installment repayment entirely. A BNPL order behaves in Balinyaar's books exactly like a card payment landing net-of-fee. See <a href="../payments/bnpl-landscape.html">the full-upfront finding</a>.</p>
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<ol>
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<li><strong>The nurse is paid by Balinyaar, weekly, on Balinyaar's own schedule</strong> — gated on EVV</li>
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</ol>
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<p> completion and a closed dispute window — regardless of how the family paid. See <a href="../payments/cancellation-and-payout.html">who pays the nurse & when</a> and <a href="../business/10-payouts.html">payouts</a>.</p>
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<hr>
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<h2 id="money-is-irr-rials-always">Money is IRR Rials, always <a class="anchor" href="#money-is-irr-rials-always" aria-hidden="true">#</a></h2>
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<p>All monetary values are in <strong>IRR (Rials)</strong>, stored as <code>BIGINT</code>. <strong>Toman is a display concern only</strong> and is converted to/from Rials <strong>solely at an external provider's API boundary</strong> (e.g. SnappPay quotes Toman). No floats anywhere on the money path.</p>
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<hr>
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<h2 id="glossary-the-persian-terms-you-will-keep-meeting">Glossary — the Persian terms you will keep meeting <a class="anchor" href="#glossary-the-persian-terms-you-will-keep-meeting" aria-hidden="true">#</a></h2>
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<div class="table-wrap"><table><thead><tr><th>Term</th><th>What it is</th></tr></thead><tbody>
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<tr><td>پرداختیار (payment facilitator)</td><td>The PSP-contracted license class an MVP marketplace rides on; <strong>barred from custodying funds</strong>.</td></tr>
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<tr><td>تسهیم (settlement-sharing)</td><td>Shaparak/provider splitting one card payment across registered IBANs — the compliant marketplace primitive.</td></tr>
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<tr><td>Shaparak (شاپرک)</td><td>Iran's national card-payment switch; settles to registered IBANs.</td></tr>
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<tr><td>IBAN / شِبا (Sheba)</td><td>The bank account number money settles to; must be ownership-verified for nurse payouts.</td></tr>
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<tr><td>پروانه صلاحیت حرفهای</td><td>MoH professional-competency license — the single most important nurse credential; bundles a criminal-record screen.</td></tr>
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<tr><td>نظام پرستاری (INO)</td><td>Iranian Nursing Organization; membership number used as a verification cross-check.</td></tr>
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<tr><td>عدم سوء پیشینه</td><td>Criminal-record ("no record") certificate; consent-gated to the individual, no company API.</td></tr>
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<tr><td>Shahkar (شاهکار)</td><td>Government service matching a SIM ↔ national ID (کد ملی).</td></tr>
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<tr><td>سامانه مودیان</td><td>Iran's taxpayer / e-invoicing system (22-digit fiscal numbers).</td></tr>
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<tr><td>اینماد / e-namad</td><td>Electronic trust symbol; de-facto mandatory to obtain an online payment gateway.</td></tr>
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<tr><td>شبانهروزی</td><td>24-hour / live-in care shift — the dominant elder-care shape.</td></tr>
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<tr><td>EVV</td><td>Electronic Visit Verification — GPS + timestamped nurse check-in/out per visit.</td></tr>
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<tr><td>BNPL</td><td>Buy-Now-Pay-Later (خرید اقساطی).</td></tr>
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<tr><td>Asanism model</td><td>Going to market by partnering with already-licensed home-nursing centers.</td></tr>
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</tbody></table></div>
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<hr>
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<h2 id="where-to-go-next">Where to go next <a class="anchor" href="#where-to-go-next" aria-hidden="true">#</a></h2>
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<ul>
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<li><strong><a href="../business/index.html">Business Requirements</a></strong> — what the platform must do, area by area.</li>
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<li><strong><a href="../data-model/index.html">Database Model</a></strong> — the ~54-table schema, domain by domain.</li>
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<li><strong><a href="../payments/index.html">Payments deep-dive</a></strong> — escrow, settlement, BNPL, integrations.</li>
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<li><strong><a href="../research/index.html">Research & Strategy</a></strong> — market, risks, verification, legal, GTM.</li>
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</ul>
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