docs: update CTO heartbeat and daily notes for 2026-05-19 (FRE-5421)

agents/cto/HEARTBEAT.md

@@ -453,3 +453,18 @@ If `PAPERCLIP_APPROVAL_ID` is set:
   - [FRE-5405](/FRE/issues/FRE-5405) - iOS Admin Dashboard -> Senior Engineer
   - [FRE-5406](/FRE/issues/FRE-5406) - Analytics and AI Features -> Founding Engineer
 - **Outcome:** FRE-5403 marked done. 3 actionable child issues created and assigned.
+
+### FRE-5405 Security Review: iOS Admin Dashboard (2026-05-18)
+- **Status:** ✅ COMPLETE
+- **Summary:** Security review of iOS Admin Dashboard implementation (7 files)
+- **Verdict:** SECURITY PASS — 0 findings
+- **Files reviewed:** AdminService.swift, AdminModels.swift, AdminDashboardView.swift, AdminUsersView.swift, AdminLoansView.swift, AdminServiceTests.swift, AdminModelsTests.swift
+- **Areas checked:** Auth gating, authorization, navigation gating, error handling, data exposure, read-only scope, concurrency, secrets, input safety, test coverage
+- **Outcome:** FRE-5405 approved and marked done
+
+### FRE-5421 Usury Rate Caps Research (2026-05-19)
+- **Status:** ✅ COMPLETE
+- **Summary:** Compiled comprehensive usury rate caps for all 50 states + D.C. for Lendair compliance
+- **Deliverable:** `docs/compliance/usury-caps.md` in Lendair repo (commit ca58364)
+- **Key findings:** MA (12% constitutional, no exemption), NY (16%), PA (6%), NJ (5%) most restrictive; SD (unlimited for licensed), TX (60%), WI (60%), FL (18%) most favorable
+- **Outcome:** FRE-5421 marked done. FRE-5422 (usury enforcement) unblocked with queued run