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apps/ is where mounted, billable subsystems live: 116 of its 139 directories declare `func Mount(`. apps/money declares none, serves zero routes, and is 216 non-test lines that already wrap github.com/hanzoai/money (imported as `hz`) to pin ONE unit — creditUSD, dollars at 18 decimals. That is a library, and filing it under apps/ said it was a product. Pure path move: apps/money -> money. No API change, 44 import lines rewritten, 0 residual references. Full tree builds (`go build -tags sqlite_math_functions ./...` rc=0). Not deleted and not folded upstream: hanzoai/money is the general library (multi-currency, rates, min/max/sum) and this is the platform's credit-asset facade over it. creditUSD is Hanzo-specific and does not belong in a public money library. One library, one facade, each in the right place. Unrelated, found while verifying: `go build ./...` fails on hanzoai/base@v1.5.11/core/sqlite_math_required.go (undefined cgoBuildNeedsSQLiteMathFunctions) on a CLEAN tree too — it needs -tags sqlite_math_functions. The default build command does not work in this repo and that is worth fixing separately. Co-authored-by: Hanzo Dev <dev@hanzo.ai>