From d0c0f98acb001c849b3e7298b0ac1840710a97de Mon Sep 17 00:00:00 2001 From: Michael Freno Date: Sun, 22 Mar 2026 12:58:16 -0400 Subject: [PATCH] Add AI features scoping plan for Lendair Co-Authored-By: Paperclip --- plans/micro_lending_ai_features_2026-03-22.md | 52 +++++++++++++++++++ 1 file changed, 52 insertions(+) create mode 100644 plans/micro_lending_ai_features_2026-03-22.md diff --git a/plans/micro_lending_ai_features_2026-03-22.md b/plans/micro_lending_ai_features_2026-03-22.md new file mode 100644 index 0000000..870992f --- /dev/null +++ b/plans/micro_lending_ai_features_2026-03-22.md @@ -0,0 +1,52 @@ +# AI Features Scoping Plan + +## Context +Board wants to scope potential paid AI features for Lendair. Goal is monetization via premium AI features on top of core micro-lending platform. + +## Proposed AI Features (v1 Paid Tier) + +### 1. Smart Loan Matching (Lender) +**What:** Match available loans to lender preferences on returns and risk. +**User value:** Saves time, surfaces best-fit opportunities automatically. +**Data needed:** Loan terms, lender risk appetite, historical borrower performance, return projections. +**Complexity:** Medium. Needs preference engine + scoring model. + +### 2. Credit/Trust Score (Both Sides) +**What:** AI-generated score for each party's loanworthiness/history. Lenders see borrower score; borrowers see their own lender reliability score. +**User value:** Trust signal reduces friction on both sides. +**Data needed:** Historical repayment data, loan completion rates, on-time payment history, defaults. +**Complexity:** Medium. Requires historical data accumulation; harder for new users. + +### 3. Loan Health Dashboard (Borrower) +**What:** AI-powered view showing repayment trajectory, early warning for cash flow issues, suggested prepayment amounts. +**User value:** Helps borrowers stay on track and build credit. +**Complexity:** Low-Medium. + +### 4. Risk-Adjusted Return Engine (Lender) +**What:** For each loan, show projected return after historical default probability. Helps lenders optimize portfolio allocation. +**User value:** Better risk/return tradeoff decisions. +**Complexity:** Medium. + +### 5. Auto-Diversification Advisor (Lender) +**What:** Suggest optimal loan distribution across borrowers to minimize portfolio risk. +**User value:** Professional-grade portfolio management. +**Complexity:** Medium-High. + +### 6. Fraud/Anomaly Detection (Platform) +**What:** Detect suspicious borrowing patterns, synthetic identities, unusual default clustering. +**User value:** Platform safety, protects lenders. +**Complexity:** High (but defensive - could be free feature). + +## Prioritization for MVP Paid Tier +1. **Loan Matching (Lender)** - Board specified as obvious first win +2. **Trust Score (Both)** - High trust signal, good differentiator +3. **Risk-Adjusted Returns** - Natural extension of #1 + +## Revenue Model +- Subscription: bundle v1 features, charge ~$5-15/month +- Or: per-feature unlock + +## Next Steps +1. Board confirms direction +2. Hand off to CTO for technical feasibility/estimation +3. Create product spec issues for prioritized features