drop memory

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

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-# 2026-03-22 Daily Notes
-
-## Today
-
-**22:16 UTC** - Completed FRE-483 Terms of Service document
-
-### 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
-
-### 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)