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Payments & Treasury (opt-in module)
Liulum is software-only. We never hold, pool, or move customer funds. This module stays off until legal sign-off.
Current status
The Treasury / margin-split employee is disabled in production (TREASURY_MODULE_ENABLED is not set). Voice onboarding shows the step only when explicitly enabled after review.
How it will work when enabled
- Client connects their own Razorpay or Stripe account (credentials in encrypted vault).
- Split rules use a pre-verified destination allow-list — no free-text payees.
- Money math is deterministic code, not LLM output; payouts require approval above caps.
- Every movement is idempotent, logged, and reconciled nightly.
Why it is gated
Routing customer funds through Liulum would trigger payment-aggregator regulation in India and change the SaaS positioning. The module launches only after payments-specific legal review and updated Terms/DPA language stating Liulum does not handle funds.
See also: Terms of Service.