feat(network): surface payout holdback on offering listings

Federates the per-campaign holdbackDays out to the OpenPartner
Network so creators see the policy on the marketplace listing
*before* they apply, not after they're already promoting.

The Network's offering.terms is freeform jsonb so no protocol /
schema migration was needed — only the wire-shape convention. Both
sides now agree on terms.payoutHoldbackDays.

  * Admin offering create form (NetworkOfferings.tsx): when the
    bound Campaign has a holdbackDays value, stamp it onto
    terms.payoutHoldbackDays at publish time. Single source of
    truth — brand sets it once on the Campaign, every Offering
    backed by that Campaign reflects it. Existing offerings stay
    as-is until re-saved.
  * Admin offering list: shows "pays out Nd after conversion" next
    to the campaign id so the brand sees what creators will see.
  * Creator-side OfferingDetail: new "Holdback: N days" chip in the
    terms row alongside cookie window + payout cadence, with a
    title= tooltip explaining why (refund window / trial alignment).
  * Creator-side Discover: "· Nd holdback" appended to the
    commission-description line so it's visible at a glance on the
    grid before clicking through.

Backfill: existing published offerings won't have the field until
the brand re-saves. UI handles undefined gracefully — no chip, no
trailing text — so the experience just gradually improves as brands
edit their listings.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

Author: Keith Fawcett

apps/portal/src/pages/admin/NetworkOfferings.tsx

@@ -7,6 +7,7 @@ interface OfferingTerms {
   commissionDescription?: string;
   cookieWindowDays?: number;
   payoutCadence?: string;
+  payoutHoldbackDays?: number;
   bonuses?: string[];
 }
 
@@ -29,6 +30,7 @@ interface Campaign {
   name: string;
   destinationUrl: string;
   deepLinkAllowedDomains: string | null;
+  holdbackDays: number | null;
 }
 
 export function AdminNetworkOfferings() {
@@ -108,6 +110,9 @@ function OfferingList() {
           </div>
           <p style={{ color: '#6b7280', fontSize: 13, margin: '4px 0' }}>
             {o.terms.commissionDescription} · campaign <code>{o.vendorCampaignId}</code>
+            {o.terms.payoutHoldbackDays != null && o.terms.payoutHoldbackDays > 0 && (
+              <> · pays out {o.terms.payoutHoldbackDays}d after conversion</>
+            )}
           </p>
           {o.description && <p>{o.description}</p>}
           <p style={{ fontSize: 13 }}>
@@ -156,6 +161,11 @@ function CreateOfferingForm() {
           terms: {
             commissionDescription,
             cookieWindowDays: cookieWindowDays === '' ? undefined : Number(cookieWindowDays),
+            // Inherit payout holdback from the bound Campaign so creators
+            // see the actual policy on the marketplace listing. Single
+            // source of truth — the brand sets it once on the Campaign,
+            // every Offering backed by that Campaign reflects it.
+            payoutHoldbackDays: selectedCampaign.holdbackDays ?? undefined,
           },
           published: true,
         },

apps/portal/src/pages/creator/CreatorDiscover.tsx

@@ -16,7 +16,7 @@ interface OfferingListItem {
   vendorId: string;
   vendorName: string;
   vendorPartnerCount: number;
-  terms: { commissionDescription?: string };
+  terms: { commissionDescription?: string; payoutHoldbackDays?: number };
   createdAt: string;
   myStatus: MyStatus;
 }
@@ -83,7 +83,12 @@ export function CreatorDiscoverPage() {
                 <Link to={`/creator/offerings/${o.id}`}>{o.title}</Link>
               </h3>
               {o.terms?.commissionDescription && (
-                <p style={{ fontSize: 13, color: theme.textMuted, margin: '4px 0' }}>{o.terms.commissionDescription}</p>
+                <p style={{ fontSize: 13, color: theme.textMuted, margin: '4px 0' }}>
+                  {o.terms.commissionDescription}
+                  {o.terms.payoutHoldbackDays != null && o.terms.payoutHoldbackDays > 0 && (
+                    <> · {o.terms.payoutHoldbackDays}d holdback</>
+                  )}
+                </p>
               )}
               {o.description && (
                 <p style={{ fontSize: 14, color: theme.text, margin: '8px 0' }}>
@@ -116,7 +121,7 @@ interface Recommendation {
   description: string | null;
   vendorId: string;
   vendorName: string;
-  terms: { commissionDescription?: string };
+  terms: { commissionDescription?: string; payoutHoldbackDays?: number };
   reasons: string[];
 }
 

apps/portal/src/pages/creator/CreatorOfferingDetail.tsx

@@ -28,6 +28,7 @@ interface Offering {
     commissionDescription?: string;
     cookieWindowDays?: number;
     payoutCadence?: string;
+    payoutHoldbackDays?: number;
     bonuses?: string[];
   };
   createdAt: string;
@@ -147,6 +148,11 @@ export function CreatorOfferingDetailPage() {
             <div style={{ display: 'flex', gap: 16, flexWrap: 'wrap', marginTop: 12, color: theme.textMuted, fontSize: 13 }}>
               {offering.terms.cookieWindowDays != null && <span>Cookie window: {offering.terms.cookieWindowDays} days</span>}
               {offering.terms.payoutCadence && <span>Payouts: {offering.terms.payoutCadence}</span>}
+              {offering.terms.payoutHoldbackDays != null && offering.terms.payoutHoldbackDays > 0 && (
+                <span title="Time after a customer converts before the brand can approve + pay your commission. Aligns with their refund window or trial.">
+                  Holdback: {offering.terms.payoutHoldbackDays} days
+                </span>
+              )}
             </div>
           </Card>