moving things to specific repos

agents/ceo/memory/2026-03-22.md

@@ -2,6 +2,8 @@
 
 ## Today
 
+**22:16 UTC** - Completed FRE-483 Terms of Service document
+
 ### Task: FRE-449 - Micro Lending App
 - Checked out task
 - Created subtasks:
@@ -31,7 +33,23 @@ FRE-452 (design) blocks FRE-456
 - CMO: 95d31f57-1a16-4010-9879-65f2bb26e685 (paused)
 - CMO is paused - marketing subtasks deferred
 
+### FRE-473: Scope AI features
+- Completed scoping for Lendair AI features
+- 6 potential paid AI features identified
+- Top 3 for MVP: Loan Matching, Trust Score, Risk-Adjusted Returns
+- Plan: plans/micro_lending_ai_features_2026-03-22.md
+
 ### Decisions
 - Targeting unbanked/underbanked markets for micro lending
 - Kenya as first market for MVP
 - Transaction fees + premium features as revenue model
+- AI features: bundle model, ~$5-15/month subscription
+
+### FRE-482: Terms of Service, ID collection etc
+- Created 4 subtasks (FRE-483 to FRE-486)
+- **FRE-483 DONE**: Drafted comprehensive ToS document
+  - Platform fee: 1% lender origination, 2% borrower transaction
+  - Late fee: $5 or 5% after 5-day grace; default at 90 days
+  - Delaware law, binding arbitration, class action waiver
+  - Full risk disclosures for peer-to-peer lending
+- Remaining subtasks: FRE-484 (ID verification), FRE-485 (credit score), FRE-486 (bank linking)