Inside lib/, folder names describe the kind of business concept you are building. Use a normal folder for data your business owns, an underscore folder for a capability or integration, and __scalar for reusable value shapes.
lib/<model>/: Use this for nouns your business owns and saves. Examples: user, product, order, reservation, invoice.
lib/_<service>/: Use this for actions, workflows, or integrations. Examples: _payment, _mailer, _search, _analytics.
lib/__scalar/<type>/: Use this for reusable value shapes shared by models. Examples: money, address, phoneNumber, dateRange.
A simple rule of thumb: if you can say 'this is a thing we store', use lib/<model>/. If you can say 'this is something we do', use lib/_<service>/.
For external integrations, keep raw vendor clients in srvkit/ and business-facing workflows in lib/_<service>/. For example, paymentGateway.ts calls the vendor API, while lib/_payment creates a payment for an order.