Agent Skills: fa-product-monetization-design

Provides Stage 3 monetization-design guidance for consumer one-off / in-app-purchase products - selecting a primary model (premium / freemium-IAP / free-ads / hybrid) against retention and platform, a price ladder with psychology, an IAP catalogue, ad-revenue economics, a faucet/sink economy balanced via cohort simulation, a conversion funnel with lifetime ARPPU, validation of net-of-fee unit economics with a cashflow check, and translation into product requirements. Use to design the money model and prove net LTV:CAC >= 3:1 with payback before requirements ship.