Category: enterprise_infrastructure Severity: high
The platform has a fully built internal billing engine (billing-engine.ts, billing-schema.ts, dunning-crons.ts) but it is entirely self-contained — it does NOT integrate with Stripe. The ARCHITECTURE.md designates Stripe as the payments layer, and the template app includes a Stripe webhook handler. However the factory's own billing system records invoices, processes dunning, and charges credits without ever talking to Stripe. Real money movement for the platform's own subscriptions is not wired up.