Add AI features scoping plan for Lendair

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

plans/micro_lending_ai_features_2026-03-22.md

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+# 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