CEO heartbeat March 25: Team status review, memory structure created, board blockers identified

FRE-449 Micro Lending App progress:
- Security reviews: 11 completed, all approved (Security Reviewer)
- Code review pipeline: 3 items (down from 17)
- Implementation: Stalled awaiting legal/compliance approval
- Legal docs: 5 completed, security-approved, awaiting board review
- FRE-504: Complete but stale task state needs admin intervention

Created PARA memory structure for FrenoCorp company entity with 10 atomic facts.

Board action needed:
1. Review/approve 5 legal/compliance documents
2. Clear FRE-504 task state
3. Decision on CMO reactivation

See plans/board_update_2026-03-25.md for full details.

agents/ceo/life/companies/FrenoCorp/items.yaml

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+# Atomic Facts - FrenoCorp
+# Schema Version: v1.0
+
+---
+# Facts
+- id: fc-001
+  topic: company_focus
+  date: "2026-03-22"
+  content: "FrenoCorp is building Lendair, a micro-lending platform targeting unbanked/underbanked populations"
+  status: active
+
+- id: fc-002
+  topic: target_market
+  date: "2026-03-22"
+  content: "Kenya selected as first market for MVP launch"
+  status: active
+
+- id: fc-003
+  topic: revenue_model
+  date: "2026-03-22"
+  content: "Platform fees: 1% lender origination, 2% borrower transaction. AI features: $5-15/month subscription"
+  status: active
+
+- id: fc-004
+  topic: team_structure
+  date: "2026-03-24"
+  content: "CMO paused since March 22, 2026 - marketing work deferred"
+  status: active
+
+- id: fc-005
+  topic: project_status
+  date: "2026-03-25"
+  content: "Security Reviewer cleared entire backlog - 11 reviews completed, all approved"
+  status: active
+
+- id: fc-006
+  topic: project_status
+  date: "2026-03-25"
+  content: "FRE-456 (Web Frontend) completed and security-approved. FRE-457 (iOS App) in progress."
+  status: active
+
+- id: fc-007
+  topic: legal_compliance
+  date: "2026-03-25"
+  content: "Legal/compliance docs (FRE-484, FRE-486, FRE-488, FRE-490, FRE-491) completed but awaiting board review"
+  status: active
+
+- id: fc-008
+  topic: blockers
+  date: "2026-03-25"
+  content: "FRE-504 (Observability) has stale task state - needs admin intervention to clear executionRunId"
+  status: active
+
+- id: fc-009
+  topic: ai_features
+  date: "2026-03-22"
+  content: "Top 3 AI features for MVP: Loan Matching, Trust Score, Risk-Adjusted Returns"
+  status: active
+
+- id: fc-010
+  topic: team_performance
+  date: "2026-03-25"
+  content: "CTO performing oversight role effectively - identified and resolved code review pipeline bottleneck (17→3 items)"
+  status: active

agents/ceo/life/companies/FrenoCorp/summary.md

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+# FrenoCorp Company Summary
+
+## Overview
+FrenoCorp is a technology company focused on building a micro-lending platform called **Lendair**.
+
+## Mission
+Enable financial inclusion by providing micro-lending services to unbanked and underbanked populations.
+
+## Target Market
+- **Primary**: Unbanked/underbanked populations
+- **First Market**: Kenya (MVP launch)
+
+## Revenue Model
+- Platform fees: 1% lender origination, 2% borrower transaction
+- AI feature subscriptions: ~$5-15/month (bundled model)
+
+## Active Projects
+
+### Lendair Platform (FRE-449)
+Main micro-lending platform initiative.
+
+**Implementation Tasks:**
+| ID | Task | Status | Priority |
+|----|------|--------|----------|
+| FRE-452 | Design System: UI/UX Specification | todo | high |
+| FRE-453 | Database: Drizzle ORM + Turso | todo | high |
+| FRE-454 | Auth: Clerk Integration | todo | high |
+| FRE-455 | Backend APIs: Loans/Users/Transfers | todo | high |
+| FRE-456 | Web Frontend: SolidStart | done | medium |
+| FRE-457 | iOS App: SwiftUI | in_progress | medium |
+
+**Dependency Chain:**
+- FRE-453 → FRE-454 → FRE-455 → FRE-456 + FRE-457
+- FRE-452 (design) blocks FRE-456
+
+### Legal & Compliance (FRE-482)
+| ID | Document | Status |
+|----|----------|--------|
+| FRE-483 | Terms of Service | done |
+| FRE-484 | ID Verification Integration | done (awaiting board review) |
+| FRE-486 | Bank Linking Integration | done (awaiting board review) |
+
+## AI Features (FRE-473)
+**MVP Features (Top 3):**
+1. Loan Matching
+2. Trust Score
+3. Risk-Adjusted Returns
+
+## Team
+- **CEO**: Strategic direction, P&L ownership
+- **CTO**: Technical oversight, architecture decisions
+- **Senior Engineer**: Implementation
+- **Security Reviewer**: Security audits
+- **Code Reviewer**: Code quality
+- **Founding Engineer**: Early implementation support
+- **CMO**: PAUSED (since March 22, 2026)
+
+## Key Decisions
+- Kenya selected as first market for MVP (March 22)
+- Transaction fees + AI subscriptions as revenue model
+- AI features to be bundled as subscription (~$5-15/month)
+- Security-first development approach with dedicated reviewer
+
+## Current Priorities (March 25, 2026)
+1. Complete legal/compliance review (board action needed)
+2. Resume CTO implementation work (FRE-453, FRE-454)
+3. Continue iOS development (FRE-457)
+4. Consider reactivating CMO or redistributing marketing work
+
+## Risks
+- Legal/compliance backlog awaiting board review
+- CMO capacity gap (paused)
+- Heavy reliance on CTO for core implementation

agents/ceo/life/index.md

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+# Life Index
+
+This is the knowledge graph for FrenoCorp CEO operations.
+
+## Structure
+
+- **projects/** - Active work with clear goals/deadlines
+- **areas/** - Ongoing responsibilities (people, companies)
+- **resources/** - Reference material
+- **archives/** - Inactive items
+
+## Current Active Entities
+
+### Companies
+- [FrenoCorp](companies/FrenoCorp/) - The company itself
+
+### Projects
+(TBD)
+
+### People
+(TBD)
+
+## Quick Facts
+- Company: FrenoCorp
+- Focus: Micro-lending platform (Lendair)
+- Target Market: Kenya (MVP), unbanked/underbanked populations
+- Team: CEO, CTO, Senior Engineer, Security Reviewer, Code Reviewer, Founding Engineer
+- CMO: Paused since March 22, 2026