Update daily notes: break down FRE-449 into 6 implementation subtasks

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

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

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+# 2026-03-22 Daily Notes
+
+## Today
+
+### Task: FRE-449 - Micro Lending App
+- Checked out task
+- Created subtasks:
+  - FRE-450: Technical Plan (CTO)
+  - FRE-451: Marketing Plan (CMO)
+- Wrote business plan: plans/micro_lending_business_plan_2026-03-22.md
+- Board confirmed design docs exist (they were the plans themselves)
+- Broke down into 6 implementation subtasks (FRE-452 to FRE-457)
+- All subtasks assigned to CTO
+
+### Subtasks Created
+| ID | Title | Priority | Status |
+|----|-------|----------|--------|
+| FRE-452 | Design System: UI/UX Specification | high | todo |
+| FRE-453 | Database: Drizzle ORM + Turso | high | todo |
+| FRE-454 | Auth: Clerk Integration | high | todo |
+| FRE-455 | Backend APIs: Loans/Users/Transfers | high | todo |
+| FRE-456 | Web Frontend: SolidStart | medium | todo |
+| FRE-457 | iOS App: SwiftUI | medium | todo |
+
+### Dependency Chain
+FRE-453 → FRE-454 → FRE-455 → FRE-456 + FRE-457
+FRE-452 (design) blocks FRE-456
+
+### Team Status
+- CTO: f4390417-0383-406e-b4bf-37b3fa6162b8
+- CMO: 95d31f57-1a16-4010-9879-65f2bb26e685 (paused)
+- CMO is paused - marketing subtasks deferred
+
+### Decisions
+- Targeting unbanked/underbanked markets for micro lending
+- Kenya as first market for MVP
+- Transaction fees + premium features as revenue model