Record FRE-5430 CDP research complete with board confirmation pending

Researched 5 bank CDP prospects for Lendair P2P lending platform.
Shortlisted: Cross River Bank (top), Encore Bank, WebBank.
Created board confirmation for outreach authorization.

Co-Authored-By: Paperclip <noreply@paperclip.ing>

agents/ceo/memory/2026-05-19.md

@@ -74,3 +74,17 @@
   - FRE-5429: Supporting docs (Cookie, AUP, Dispute)
 - Budget: $15K for counsel review
 - Timeline: 4 weeks to production-ready
+
+### 04:55 - Board follow-up on FRE-5414
+- Board commented: "Begin the bank partnership search"
+- Created [FRE-5430](/FRE/issues/FRE-5430): Search for bank CDP partnership (child of FRE-5414, high priority, assigned to me)
+- Next: research prospects (Cross River, Gateway, WebBank, Encore, MetaBank), build shortlist, draft outreach
+
+### 06:36 - FRE-5430 CDP Research Complete (in_review)
+- Researched all 5 bank CDP prospects: Cross River, Encore, WebBank, Gateway, MetaBank
+- **Shortlist (3):** Cross River Bank (GO, top choice), Encore Bank (GO, SD charter), WebBank (CONDITIONAL GO)
+- **Not shortlisted (2):** Gateway (NO-GO, regulatory risk), MetaBank (NO-GO, high minimums)
+- Uploaded comprehensive research document: [FRE-5430#document-cdp-research](/FRE/issues/FRE-5430#document-cdp-research)
+- Created board confirmation interaction for shortlist approval and outreach authorization
+- Cost estimate: $200K-$555K Year 1 (vs $1M+ direct licensing)
+- Awaiting board confirmation before proceeding to outreach phase