Admin — Users suspend / archive, never hard-delete

Create User (Admin → Users → Create User)

Generates User ID USR10xxx • Preserves ledger on suspend/archive • Hard delete disabled

Users

Capabilities: Create • Generate/edit User ID • Set/reset password • Activate/deactivate (suspend) • Archive (soft-delete) • View wallets • Change profile • Suspend • Send notification • View logs. Transactions/ledger always preserved.