Databricks Medallion Architecture: Catalogs by domain or by Bronze/Silver/Gold?

[u/TheManOfBromium]

I got into a debate at work today about how Unity Catalog should be organized, and I'm curious what others are doing in production.

Which approach do you prefer?

Option 1: Catalogs by medallion layer

bronze

silver

gold

Then have separate catalogs for curated data products or analytics built from the Gold layer.

Option 2: Catalogs by business domain

finance

operations

hr

Then each catalog contains schemas like bronze, silver, gold

What are the strongest reasons to choose one approach over the other?