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64
agents/ceo/life/companies/FrenoCorp/items.yaml
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64
agents/ceo/life/companies/FrenoCorp/items.yaml
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# Atomic Facts - FrenoCorp
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||||||
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# Schema Version: v1.0
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||||||
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||||||
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---
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||||||
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# Facts
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||||||
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- id: fc-001
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||||||
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topic: company_focus
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||||||
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date: "2026-03-22"
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content: "FrenoCorp is building Lendair, a micro-lending platform targeting unbanked/underbanked populations"
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status: active
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||||||
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||||||
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- id: fc-002
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||||||
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topic: target_market
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||||||
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date: "2026-03-22"
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||||||
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content: "Kenya selected as first market for MVP launch"
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status: active
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||||||
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||||||
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- id: fc-003
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||||||
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topic: revenue_model
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||||||
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date: "2026-03-22"
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||||||
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content: "Platform fees: 1% lender origination, 2% borrower transaction. AI features: $5-15/month subscription"
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status: active
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||||||
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||||||
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- id: fc-004
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||||||
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topic: team_structure
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||||||
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date: "2026-03-24"
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||||||
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content: "CMO paused since March 22, 2026 - marketing work deferred"
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status: active
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||||||
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||||||
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- id: fc-005
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||||||
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topic: project_status
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||||||
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date: "2026-03-25"
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||||||
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content: "Security Reviewer cleared entire backlog - 11 reviews completed, all approved"
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||||||
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status: active
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||||||
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||||||
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- id: fc-006
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||||||
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topic: project_status
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||||||
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date: "2026-03-25"
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||||||
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content: "FRE-456 (Web Frontend) completed and security-approved. FRE-457 (iOS App) in progress."
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||||||
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status: active
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||||||
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- id: fc-007
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topic: legal_compliance
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||||||
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date: "2026-03-25"
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||||||
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content: "Legal/compliance docs (FRE-484, FRE-486, FRE-488, FRE-490, FRE-491) completed but awaiting board review"
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||||||
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status: active
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||||||
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||||||
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- id: fc-008
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||||||
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topic: blockers
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||||||
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date: "2026-03-25"
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||||||
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content: "FRE-504 (Observability) has stale task state - needs admin intervention to clear executionRunId"
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status: active
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||||||
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- id: fc-009
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topic: ai_features
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date: "2026-03-22"
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content: "Top 3 AI features for MVP: Loan Matching, Trust Score, Risk-Adjusted Returns"
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status: active
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||||||
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- id: fc-010
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topic: team_performance
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date: "2026-03-25"
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||||||
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content: "CTO performing oversight role effectively - identified and resolved code review pipeline bottleneck (17→3 items)"
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||||||
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status: active
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||||||
73
agents/ceo/life/companies/FrenoCorp/summary.md
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73
agents/ceo/life/companies/FrenoCorp/summary.md
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# FrenoCorp Company Summary
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## Overview
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FrenoCorp is a technology company focused on building a micro-lending platform called **Lendair**.
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## Mission
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Enable financial inclusion by providing micro-lending services to unbanked and underbanked populations.
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## Target Market
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- **Primary**: Unbanked/underbanked populations
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- **First Market**: Kenya (MVP launch)
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## Revenue Model
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||||||
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- Platform fees: 1% lender origination, 2% borrower transaction
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- AI feature subscriptions: ~$5-15/month (bundled model)
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||||||
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||||||
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## Active Projects
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||||||
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||||||
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### Lendair Platform (FRE-449)
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||||||
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Main micro-lending platform initiative.
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**Implementation Tasks:**
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||||||
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| ID | Task | Status | Priority |
|
||||||
|
|----|------|--------|----------|
|
||||||
|
| FRE-452 | Design System: UI/UX Specification | todo | high |
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||||||
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| FRE-453 | Database: Drizzle ORM + Turso | todo | high |
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||||||
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| FRE-454 | Auth: Clerk Integration | todo | high |
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||||||
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| FRE-455 | Backend APIs: Loans/Users/Transfers | todo | high |
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||||||
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| FRE-456 | Web Frontend: SolidStart | done | medium |
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||||||
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| FRE-457 | iOS App: SwiftUI | in_progress | medium |
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||||||
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||||||
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**Dependency Chain:**
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||||||
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- FRE-453 → FRE-454 → FRE-455 → FRE-456 + FRE-457
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- FRE-452 (design) blocks FRE-456
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||||||
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### Legal & Compliance (FRE-482)
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||||||
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| ID | Document | Status |
|
||||||
|
|----|----------|--------|
|
||||||
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| FRE-483 | Terms of Service | done |
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||||||
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| FRE-484 | ID Verification Integration | done (awaiting board review) |
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||||||
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| FRE-486 | Bank Linking Integration | done (awaiting board review) |
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||||||
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||||||
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## AI Features (FRE-473)
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**MVP Features (Top 3):**
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1. Loan Matching
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2. Trust Score
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3. Risk-Adjusted Returns
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||||||
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|
||||||
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## Team
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||||||
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- **CEO**: Strategic direction, P&L ownership
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- **CTO**: Technical oversight, architecture decisions
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- **Senior Engineer**: Implementation
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- **Security Reviewer**: Security audits
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- **Code Reviewer**: Code quality
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- **Founding Engineer**: Early implementation support
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- **CMO**: PAUSED (since March 22, 2026)
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||||||
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## Key Decisions
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||||||
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- Kenya selected as first market for MVP (March 22)
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- Transaction fees + AI subscriptions as revenue model
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- AI features to be bundled as subscription (~$5-15/month)
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- Security-first development approach with dedicated reviewer
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||||||
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||||||
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## Current Priorities (March 25, 2026)
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||||||
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1. Complete legal/compliance review (board action needed)
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||||||
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2. Resume CTO implementation work (FRE-453, FRE-454)
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3. Continue iOS development (FRE-457)
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||||||
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4. Consider reactivating CMO or redistributing marketing work
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||||||
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|
||||||
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## Risks
|
||||||
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- Legal/compliance backlog awaiting board review
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||||||
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- CMO capacity gap (paused)
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||||||
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- Heavy reliance on CTO for core implementation
|
||||||
28
agents/ceo/life/index.md
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28
agents/ceo/life/index.md
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# Life Index
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||||||
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This is the knowledge graph for FrenoCorp CEO operations.
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## Structure
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||||||
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||||||
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- **projects/** - Active work with clear goals/deadlines
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||||||
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- **areas/** - Ongoing responsibilities (people, companies)
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- **resources/** - Reference material
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||||||
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- **archives/** - Inactive items
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||||||
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## Current Active Entities
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||||||
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||||||
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### Companies
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||||||
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- [FrenoCorp](companies/FrenoCorp/) - The company itself
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||||||
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||||||
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### Projects
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||||||
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(TBD)
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||||||
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||||||
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### People
|
||||||
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(TBD)
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||||||
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||||||
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## Quick Facts
|
||||||
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- Company: FrenoCorp
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||||||
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- Focus: Micro-lending platform (Lendair)
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||||||
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- Target Market: Kenya (MVP), unbanked/underbanked populations
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||||||
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- Team: CEO, CTO, Senior Engineer, Security Reviewer, Code Reviewer, Founding Engineer
|
||||||
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- CMO: Paused since March 22, 2026
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||||||
@@ -1,66 +0,0 @@
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# Lendair - Atomic Facts
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|
||||||
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|
||||||
version: 1.0
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|
||||||
entity: Lendair
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|
||||||
entityType: project
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|
||||||
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|
||||||
facts:
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|
||||||
- id: lendair-001
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: overview
|
|
||||||
fact: "Lendair is a micro-lending platform for peer-to-peer small loans ($50-$1000 range)"
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|
||||||
source: FRE-449
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|
||||||
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|
||||||
- id: lendair-002
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: market
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|
||||||
fact: "Target market: Kenya (MVP), expansion to Nigeria and Ghana in Year 2"
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|
||||||
source: business_plan
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|
||||||
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|
||||||
- id: lendair-003
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: technology
|
|
||||||
fact: "Tech stack: Clerk auth, tRPC API, Turso DB, Drizzle ORM, SolidStart web, SwiftUI iOS, TailwindCSS"
|
|
||||||
source: FRE-449
|
|
||||||
|
|
||||||
- id: lendair-004
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: revenue
|
|
||||||
fact: "Revenue model: 2-5% transaction fees (platform cut 0.8-1.5%) + $2.99/mo premium features"
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|
||||||
source: business_plan
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|
||||||
|
|
||||||
- id: lendair-005
|
|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: financials
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|
||||||
fact: "Year 1 target: $250K loan volume, Year 2: $2M, Year 3: $10M"
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|
||||||
source: business_plan
|
|
||||||
|
|
||||||
- id: lendair-006
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: funding
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|
||||||
fact: "Seeking $500K seed round, $3M Series A at 18 months"
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|
||||||
source: business_plan
|
|
||||||
|
|
||||||
- id: lendair-007
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: implementation
|
|
||||||
fact: "6 implementation subtasks created (FRE-452 through FRE-457), all assigned to CTO"
|
|
||||||
source: FRE-449_comments
|
|
||||||
|
|
||||||
- id: lendair-008
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: blocker
|
|
||||||
fact: "CTO is paused - blocking all implementation work"
|
|
||||||
source: agent_status
|
|
||||||
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|
||||||
- id: lendair-009
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: blocker
|
|
||||||
fact: "Legal/compliance documents need board approval (FRE-484, FRE-486, FRE-488, FRE-490, FRE-491)"
|
|
||||||
source: board_update
|
|
||||||
|
|
||||||
- id: lendair-010
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|
||||||
timestamp: "2026-03-26T12:30:00Z"
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|
||||||
category: document
|
|
||||||
fact: "Business plan created: plans/micro_lending_business_plan_2026-03-26.md"
|
|
||||||
source: file_created
|
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||||||
@@ -1,36 +0,0 @@
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|||||||
# Lendair Project Summary
|
|
||||||
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|
||||||
**Created:** March 26, 2026
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|
||||||
**Status:** Active - Planning Phase
|
|
||||||
**Parent Issue:** FRE-449
|
|
||||||
|
|
||||||
## Overview
|
|
||||||
Lendair is a micro-lending platform enabling peer-to-peer small loans through iOS app and web interface. Targeting underbanked populations in Kenya (MVP), with expansion to Nigeria and Ghana.
|
|
||||||
|
|
||||||
## Key Decisions
|
|
||||||
- Kenya selected as first market (mobile money infrastructure ready)
|
|
||||||
- Revenue model: 2-5% transaction fees + $2.99/mo premium
|
|
||||||
- Tech stack: Clerk auth, tRPC API, Turso DB, Drizzle ORM, SolidStart, SwiftUI
|
|
||||||
- Target: $500K seed funding, $3M Series A at 18 months
|
|
||||||
|
|
||||||
## Current Blockers
|
|
||||||
1. Board approval needed for legal/compliance documents
|
|
||||||
2. CTO paused - blocking all implementation work
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|
||||||
3. CMO paused since March 22
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|
||||||
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|
||||||
## Implementation Subtasks
|
|
||||||
- FRE-452: Design System (high priority)
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|
||||||
- FRE-453: Database Schema (high priority)
|
|
||||||
- FRE-454: Auth Integration (high priority)
|
|
||||||
- FRE-455: Backend APIs (high priority)
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|
||||||
- FRE-456: Web Frontend (medium priority)
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|
||||||
- FRE-457: iOS App (medium priority)
|
|
||||||
|
|
||||||
## Documents
|
|
||||||
- Business Plan: ../../../../../plans/micro_lending_business_plan_2026-03-26.md
|
|
||||||
|
|
||||||
## Timeline
|
|
||||||
- 2026-03-22: Initial task created (FRE-449)
|
|
||||||
- 2026-03-22: Subtasks created (FRE-452 through FRE-457)
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|
||||||
- 2026-03-26: Business plan created
|
|
||||||
- 2026-03-26: CTO unpaused, ready for execution
|
|
||||||
55
agents/ceo/memory/2026-03-22.md
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55
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)
|
||||||
103
agents/ceo/memory/2026-03-25.md
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103
agents/ceo/memory/2026-03-25.md
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@@ -0,0 +1,103 @@
|
|||||||
|
# 2026-03-25 Daily Notes
|
||||||
|
|
||||||
|
## Wake Context
|
||||||
|
- **Wake Reason**: heartbeat_timer
|
||||||
|
- **Task ID**: None
|
||||||
|
- **Approval ID**: None
|
||||||
|
|
||||||
|
## Today's Plan
|
||||||
|
|
||||||
|
### Completed
|
||||||
|
- ✅ Reviewed team progress since March 22nd
|
||||||
|
- ✅ Analyzed CTO, Senior Engineer, Security Reviewer notes
|
||||||
|
- ✅ Identified blockers (legal/compliance, FRE-504 stale state)
|
||||||
|
- ✅ Created PARA memory structure for FrenoCorp
|
||||||
|
- ✅ Recorded 10 atomic facts about company state
|
||||||
|
- ✅ Created board update document
|
||||||
|
|
||||||
|
### Pending Board Action
|
||||||
|
1. **Legal/Compliance Review** (5 documents)
|
||||||
|
- FRE-484: ID Verification
|
||||||
|
- FRE-486: Bank Linking
|
||||||
|
- FRE-488: Privacy Policy
|
||||||
|
- FRE-490: KYC/AML Framework
|
||||||
|
- FRE-491: E-Sign Integration
|
||||||
|
|
||||||
|
2. **FRE-504 Task State** - Needs admin intervention
|
||||||
|
|
||||||
|
3. **CMO Decision** - Reactivate or redistribute
|
||||||
|
|
||||||
|
### Tomorrow's Priorities (if board acts)
|
||||||
|
1. Approve CTO to resume FRE-453, FRE-454, FRE-455
|
||||||
|
2. Approve FRE-452 (Design System)
|
||||||
|
3. Decision on CMO capacity
|
||||||
|
|
||||||
|
## Status: Awaiting Board Action
|
||||||
|
|
||||||
|
No active assignments. Board update created and committed (718da68).
|
||||||
|
Exiting cleanly until board responds or new assignments received.
|
||||||
|
|
||||||
|
---
|
||||||
|
|
||||||
|
## Timeline
|
||||||
|
|
||||||
|
### 09:00 - CEO Heartbeat Start
|
||||||
|
- Wake reason: heartbeat_timer
|
||||||
|
- No active task assignments
|
||||||
|
- Reviewing team progress since March 22
|
||||||
|
|
||||||
|
### 09:00-09:15 - Team Status Review
|
||||||
|
- Reviewed CTO daily notes (FRE-504 complete, code review pipeline healthy)
|
||||||
|
- Reviewed Senior Engineer notes (FRE-466, FRE-505 complete)
|
||||||
|
- Reviewed Security Reviewer notes (11 reviews completed)
|
||||||
|
- Created PARA memory structure for FrenoCorp company entity
|
||||||
|
- Recorded 10 atomic facts about company state
|
||||||
|
|
||||||
|
### 09:15 - CEO Heartbeat Review
|
||||||
|
|
||||||
|
**Team Status Summary:**
|
||||||
|
|
||||||
|
**CTO** - FRE-504 (Observability) COMPLETE
|
||||||
|
- All 4 code review issues fixed
|
||||||
|
- Git committed (40e9d7b)
|
||||||
|
- Stale task state needs admin intervention
|
||||||
|
|
||||||
|
**Senior Engineer** - 2 Tasks COMPLETE
|
||||||
|
- FRE-466: iOS Profile screens (code review revisions) → in_review
|
||||||
|
- FRE-505: Security hardening (rate limiting, CORS, headers) → in_review
|
||||||
|
- Both assigned to Code Reviewer
|
||||||
|
|
||||||
|
**Security Reviewer** - 11 Reviews COMPLETE
|
||||||
|
- FRE-456: Web Frontend → done (approved with recommendations)
|
||||||
|
- FRE-454: Auth Integration → done
|
||||||
|
- FRE-469: Clerk Webhooks → done
|
||||||
|
- FRE-493: Onboarding Flow → done
|
||||||
|
- FRE-497: Trust Score UI → done
|
||||||
|
- FRE-465: iOS Transactions UI → done
|
||||||
|
- FRE-484: ID Verification (Stripe Identity) → done
|
||||||
|
- FRE-488: Privacy Policy → done
|
||||||
|
- FRE-490: KYC/AML Framework → done
|
||||||
|
- FRE-486: Bank Linking (Plaid) → done
|
||||||
|
- FRE-491: E-Sign Integration → done
|
||||||
|
- FRE-505: Rate Limiting & CORS → done
|
||||||
|
|
||||||
|
**Code Review Pipeline:** 3 items remaining (down from 17)
|
||||||
|
- FRE-464: iOS Loans screens (assigned to Code Reviewer)
|
||||||
|
- FRE-462: iOS Auth screens (assigned to Code Reviewer)
|
||||||
|
- FRE-489: Loan Agreement template (assigned to board user)
|
||||||
|
|
||||||
|
**CMO:** PAUSED since March 22
|
||||||
|
|
||||||
|
**Key Blockers:**
|
||||||
|
1. FRE-504 task state has stale executionRunId - needs admin intervention
|
||||||
|
2. Several legal/compliance docs assigned to "board user" need attention
|
||||||
|
|
||||||
|
**Strategic Observations:**
|
||||||
|
- Heavy reliance on iOS agent initially created bottleneck (now resolved)
|
||||||
|
- Security Reviewer has been exceptional - cleared entire backlog
|
||||||
|
- Legal/compliance work is piling up awaiting board review
|
||||||
|
- CTO's oversight role working well - caught and fixed pipeline bottlenecks
|
||||||
|
|
||||||
|
</content>
|
||||||
|
<parameter=filePath>
|
||||||
|
/home/mike/code/FrenoCorp/agents/ceo/memory/2026-03-25.md
|
||||||
35
agents/cmo/memory/2026-03-22.md
Normal file
35
agents/cmo/memory/2026-03-22.md
Normal file
@@ -0,0 +1,35 @@
|
|||||||
|
# 2026-03-22
|
||||||
|
|
||||||
|
## Timeline
|
||||||
|
|
||||||
|
- **CMO heartbeat run**: Woke up with task FRE-451 (Marketing Plan: Micro Lending App) assigned to me
|
||||||
|
- **Checked out** FRE-451, status `todo` → `in_progress`
|
||||||
|
- **Reviewed** parent issue FRE-449 (Micro Lending) and technical plan FRE-450
|
||||||
|
- **Researched** project structure at `/home/mike/code/lendair/` — confirmed iOS + web + plans directories
|
||||||
|
- **Created** `plans/FRE-451.md` — comprehensive 12-section marketing plan
|
||||||
|
- **Attached** plan document to issue via `PUT /api/issues/{id}/documents/plan`
|
||||||
|
- **Closed** FRE-451 with status `done` and detailed completion comment
|
||||||
|
|
||||||
|
## What's Done
|
||||||
|
|
||||||
|
- [x] FRE-451: Marketing Plan for Lendair — COMPLETE
|
||||||
|
|
||||||
|
## Current State
|
||||||
|
|
||||||
|
- All open issues in company reviewed
|
||||||
|
- FRE-449 (Micro Lending, parent): in_progress, CEO assigned
|
||||||
|
- FRE-450 (Technical Plan, CTO): in_progress, CTO working on it
|
||||||
|
- FRE-451 (Marketing Plan, CMO): **done** — this was my only assigned task
|
||||||
|
|
||||||
|
## Notes
|
||||||
|
|
||||||
|
- Company prefix is `FRE` (FrenoCorp)
|
||||||
|
- Project workspace is `/home/mike/code/lendair` — primary workspace is `lendair` folder
|
||||||
|
- No other CMO tasks currently assigned
|
||||||
|
- Will await further assignments from CEO/board
|
||||||
|
|
||||||
|
## Next Time
|
||||||
|
|
||||||
|
- FRE-449 parent issue may need subtasks created once tech/marketing plans are approved
|
||||||
|
- May need to coordinate on design spec (not yet assigned — may fall under CMO or a design agent)
|
||||||
|
- Landing page copy and brand identity direction are my immediate execution priorities once CEO briefs me
|
||||||
17
agents/cto/memory/2026-03-22.md
Normal file
17
agents/cto/memory/2026-03-22.md
Normal file
@@ -0,0 +1,17 @@
|
|||||||
|
# 2026-03-22
|
||||||
|
|
||||||
|
## CTO Heartbeat Log
|
||||||
|
|
||||||
|
### Tasks Worked
|
||||||
|
- Breaking down FRE-455 (Backend APIs) into discrete subtasks per board request
|
||||||
|
- Created subtasks: FRE-476 (Users), FRE-477 (Loans), FRE-479 (Transfers), FRE-480 (Notifications), FRE-478 (Root Router)
|
||||||
|
- Created FRE-481 (Database Schema Test Suite) for missing tests on FRE-453
|
||||||
|
|
||||||
|
### Oversight
|
||||||
|
- Open issues: 2 in_progress (FRE-453, FRE-455), 10 in_review (code review pipeline healthy), 4 todo (AI features)
|
||||||
|
- Code review pipeline: 10 items in review - good flow
|
||||||
|
|
||||||
|
### Notes
|
||||||
|
- FRE-455 has been broken down per board request "Break this down into more discrete steps as individual issues"
|
||||||
|
- FRE-453 code review flagged missing test suite - created FRE-481 to address
|
||||||
|
- Two AI features (FRE-474, FRE-475) are assigned but not yet started
|
||||||
@@ -1,34 +0,0 @@
|
|||||||
version: "1.0"
|
|
||||||
facts:
|
|
||||||
- id: security-findings-fre454
|
|
||||||
timestamp: "2026-03-24T02:58:00Z"
|
|
||||||
category: security_review
|
|
||||||
status: active
|
|
||||||
summary: "Security review of FRE-454 identified critical credential exposure and weak ID generation"
|
|
||||||
details:
|
|
||||||
issue_id: "cccd78cb-ca25-490a-b431-e2c2db9727b4"
|
|
||||||
issue_identifier: "FRE-454"
|
|
||||||
reviewer: "036d6925-3aac-4939-a0f0-22dc44e618bc"
|
|
||||||
findings:
|
|
||||||
- severity: critical
|
|
||||||
category: exposed_secrets
|
|
||||||
location: web/.env
|
|
||||||
description: "Live Clerk secret key and Turso database token present in .env file"
|
|
||||||
remediation: "Rotate credentials immediately in Clerk and Turso dashboards"
|
|
||||||
- severity: high
|
|
||||||
category: weak_crypto
|
|
||||||
location: web/src/server/api/routers/auth.ts:24-29
|
|
||||||
description: "ID generation uses Math.random() which is not cryptographically secure"
|
|
||||||
remediation: "Use crypto.randomUUID() or Clerk user IDs"
|
|
||||||
- severity: medium
|
|
||||||
category: missing_headers
|
|
||||||
location: web application
|
|
||||||
description: "Missing security headers (CSP, X-Frame-Options, X-Content-Type-Options, HSTS)"
|
|
||||||
remediation: "Add security headers middleware"
|
|
||||||
- severity: low
|
|
||||||
category: information_disclosure
|
|
||||||
location: web/src/server/api/routers/auth.ts
|
|
||||||
description: "Error messages reveal email enumeration"
|
|
||||||
remediation: "Use generic error messages"
|
|
||||||
decision: "Issue marked as blocked pending credential rotation and security fixes"
|
|
||||||
next_action: "Engineer to rotate credentials and fix ID generation before production"
|
|
||||||
@@ -1,106 +0,0 @@
|
|||||||
# Lendair Project
|
|
||||||
|
|
||||||
A micro-lending application with web (SolidStart) and iOS platforms.
|
|
||||||
|
|
||||||
## Overview
|
|
||||||
|
|
||||||
- **Project**: FRE-449 (parent issue)
|
|
||||||
- **Workspace**: `/home/mike/code/lendair`
|
|
||||||
- **Tech Stack**: SolidStart, tRPC, Turso DB, Clerk Auth, Stripe Identity
|
|
||||||
- **Status**: Active development
|
|
||||||
|
|
||||||
## Security Issues
|
|
||||||
|
|
||||||
### FRE-454 - Auth Integration ✅ APPROVED
|
|
||||||
|
|
||||||
**Date Identified**: 2026-03-24
|
|
||||||
**Date Completed**: 2026-03-25
|
|
||||||
**Status**: APPROVED - Production Ready
|
|
||||||
|
|
||||||
**Previously Identified Issues (All Fixed):**
|
|
||||||
1. ✅ Weak ID generation using `Math.random()` → Fixed with `crypto.randomUUID()`
|
|
||||||
2. ✅ Missing security headers → Implemented in trpc.ts
|
|
||||||
3. ✅ Information disclosure via error messages → Generic error messages
|
|
||||||
4. ✅ JWT token generation missing → Now returned from signIn/signUp
|
|
||||||
|
|
||||||
**Security Controls Verified:**
|
|
||||||
- HMAC-SHA256 signature verification ✓
|
|
||||||
- Timestamp validation prevents replay attacks ✓
|
|
||||||
- All security headers implemented ✓
|
|
||||||
- Protected procedures require valid JWT ✓
|
|
||||||
- Generic error messages prevent enumeration ✓
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
### FRE-469 - Clerk Webhook Handlers ✅ APPROVED
|
|
||||||
|
|
||||||
**Date Completed**: 2026-03-25
|
|
||||||
**Status**: APPROVED - Production Ready
|
|
||||||
|
|
||||||
**Previously Identified Issues (All Fixed):**
|
|
||||||
1. ✅ Timestamp unit inconsistency (deletedAt using ms instead of seconds) → Fixed with `Math.floor(Date.now() / 1000)`
|
|
||||||
|
|
||||||
**Security Controls Verified:**
|
|
||||||
- HMAC-SHA256 signature verification with timingSafeEqual ✓
|
|
||||||
- Timestamp validation (5-min window) ✓
|
|
||||||
- Upsert logic handles duplicate events ✓
|
|
||||||
- Soft delete preserves audit trail ✓
|
|
||||||
- DB parameterization prevents SQL injection ✓
|
|
||||||
- Retry logic with exponential backoff ✓
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
### FRE-493 - Onboarding Flow ✅ APPROVED
|
|
||||||
|
|
||||||
**Date Completed**: 2026-03-25
|
|
||||||
**Status**: APPROVED - Production Ready
|
|
||||||
|
|
||||||
**Security Assessment:**
|
|
||||||
- UI-only feature with Clerk OAuth integration
|
|
||||||
- No custom authentication logic
|
|
||||||
- Clerk handles all security concerns
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
### FRE-497 - Trust Score UI ✅ APPROVED
|
|
||||||
|
|
||||||
**Date Completed**: 2026-03-25
|
|
||||||
**Status**: APPROVED - Production Ready
|
|
||||||
|
|
||||||
**Security Assessment:**
|
|
||||||
- UI-only feature for displaying trust scores
|
|
||||||
- Scores calculated server-side
|
|
||||||
- Comprehensive error handling with typed errors
|
|
||||||
- 70 tests with 100% coverage
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
### FRE-456 - Web Frontend (PENDING)
|
|
||||||
|
|
||||||
**Status**: Awaiting security review
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
### FRE-505 - Rate Limiting & CORS (LOCKED)
|
|
||||||
|
|
||||||
**Status**: Currently being worked on (execution locked)
|
|
||||||
**Priority**: HIGH - Security critical
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
### FRE-502 - Logging & Sentry (LOCKED)
|
|
||||||
|
|
||||||
**Status**: Currently being worked on (execution locked)
|
|
||||||
**Priority**: MEDIUM - Security implications
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
### FRE-465 - iOS Transactions UI (LOCKED)
|
|
||||||
|
|
||||||
**Status**: Currently being worked on (execution locked)
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
### FRE-503 - Deployment Docs (LOCKED)
|
|
||||||
|
|
||||||
**Status**: Currently being worked on (execution locked)
|
|
||||||
45
agents/security-reviewer/memory/2026-03-21.md
Normal file
45
agents/security-reviewer/memory/2026-03-21.md
Normal file
@@ -0,0 +1,45 @@
|
|||||||
|
# 2026-03-21 - Security Review Work
|
||||||
|
|
||||||
|
## Tasks Completed
|
||||||
|
|
||||||
|
### FRE-438: Test: Plan System
|
||||||
|
- **Status**: ✅ Done (no issues)
|
||||||
|
- Reviewed: PlanRepositories.swift, PlanUploadViewModel.swift, PlanDiscoveryViewModel.swift
|
||||||
|
- **Findings**: No security issues. GRDB parameterized queries, proper auth checks.
|
||||||
|
|
||||||
|
### FRE-441: Test: Social Features (Clubs & Challenges)
|
||||||
|
- **Status**: ✅ Done (no issues)
|
||||||
|
- Reviewed: SocialRepositories.swift, ClubRepositories.swift, AdditionalRepositories.swift
|
||||||
|
- **Findings**: No security issues. Proper SQL binding throughout.
|
||||||
|
|
||||||
|
### FRE-427: Feature: HIIT Workout Plan Execution
|
||||||
|
- **Status**: ✅ Done (no issues)
|
||||||
|
- Reviewed: HIITPlan.swift, HIITExecutionViewModel.swift, HIITExecutionView.swift, HIITIntervalCard.swift
|
||||||
|
- **Findings**: No security concerns. Client-side timer only.
|
||||||
|
|
||||||
|
### FRE-442: Test: Auth & Account
|
||||||
|
- **Status**: Already completed before today
|
||||||
|
- **Note**: Critical issue (SecureStorage using UserDefaults) was fixed by another agent before my review
|
||||||
|
|
||||||
|
## Key Observations
|
||||||
|
|
||||||
|
1. **Nessa codebase** uses GRDB for database operations - proper parameterized queries throughout
|
||||||
|
2. **SQL injection protection**: All repository methods use GRDB's type-safe query builder or proper SQL arguments binding
|
||||||
|
3. **Authorization**: Delete operations verify user ownership before proceeding
|
||||||
|
4. **HIIT feature**: Pure client-side workout timer, no security surface
|
||||||
|
|
||||||
|
## 2026-03-21 - Second heartbeat (evening)
|
||||||
|
|
||||||
|
### FRE-443: Test: Sync & Data
|
||||||
|
- **Status**: Already reviewed earlier today (no code changes since)
|
||||||
|
- My security review comment (most recent) assigned back to Code Reviewer with:
|
||||||
|
- 6 code quality issues (compilation errors, broken mock injection)
|
||||||
|
- 5 source code security findings (no retry logic, unencrypted offline maps, no deduplication, privacy override, Sendable concern)
|
||||||
|
- Code Reviewer then submitted back to me for final verification, but no changes made
|
||||||
|
- No new assignments in inbox — exiting cleanly
|
||||||
|
|
||||||
|
## Company Context
|
||||||
|
|
||||||
|
- Company: FrenoCorp
|
||||||
|
- Working in project for Nessa fitness app (iOS/Swift)
|
||||||
|
- CTO is chainOfCommand manager
|
||||||
19
agents/security-reviewer/memory/2026-03-22.md
Normal file
19
agents/security-reviewer/memory/2026-03-22.md
Normal file
@@ -0,0 +1,19 @@
|
|||||||
|
# 2026-03-22 - Daily Notes
|
||||||
|
|
||||||
|
## Heartbeat 17:15 UTC
|
||||||
|
|
||||||
|
### Security Reviews Completed
|
||||||
|
|
||||||
|
**FRE-463 (iOS Screens: Main Navigation and Home)** - APPROVED, marked done
|
||||||
|
- All 6 prior issues (2 HIGH, 3 MEDIUM, 1 LOW) verified fixed
|
||||||
|
- Keychain accessibility, shared TRPCService, balance placeholder, JSON encoding, user enumeration, debug prints all confirmed fixed
|
||||||
|
|
||||||
|
**FRE-469 (Clerk Webhook Handlers)** - PARTIALLY APPROVED, assigned back to Code Reviewer
|
||||||
|
- 1 MEDIUM: `deletedAt: Date.now()` uses milliseconds, should be seconds (clerk.ts:96)
|
||||||
|
- 1 LOW: No rate limiting on webhook endpoint (informational, infrastructure concern)
|
||||||
|
- Good: HMAC-SHA256 signature verification, timingSafeEqual, 5-min timestamp window, upsert logic, soft delete
|
||||||
|
|
||||||
|
### Notes
|
||||||
|
- Company ID: e4a42be5-3bd4-46ad-8b3b-f2da60d203d4 (FrenoCorp)
|
||||||
|
- My agent ID: 036d6925-3aac-4939-a0f0-22dc44e618bc
|
||||||
|
- Company prefix: FRE
|
||||||
@@ -1,139 +0,0 @@
|
|||||||
# ID Verification Vendor Analysis
|
|
||||||
|
|
||||||
## Executive Summary
|
|
||||||
|
|
||||||
After evaluating the leading identity verification providers, I recommend **Stripe Identity** for Lendair's needs, given our existing Stripe relationship and the requirement for streamlined integration.
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
## Vendor Comparison Matrix
|
|
||||||
|
|
||||||
| Criteria | Stripe Identity | Veriff | Jumio | Sumsub |
|
|
||||||
|----------|----------------|--------|-------|--------|
|
|
||||||
| **ID Document Verification** | $1.50/verification | Custom pricing | Contact sales | ~$0.50-2 |
|
|
||||||
| **SSN Lookup** | $0.50/lookup | Available | Available | Available |
|
|
||||||
| **Countries Supported** | 100+ | 230+ | 200+ | 170+ |
|
|
||||||
| **Decision Time** | ~6 seconds | 6 seconds | <60 seconds | Variable |
|
|
||||||
| **API/SDK Quality** | Excellent | Good | Good | Good |
|
|
||||||
| **Compliance Certifications** | SOC 2, PCI DSS | SOC 2, ISO 27001, GDPR | SOC 2, ISO 27001 | SOC 2, ISO 27001 |
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
## Detailed Analysis
|
|
||||||
|
|
||||||
### Stripe Identity (Recommended)
|
|
||||||
|
|
||||||
**Strengths:**
|
|
||||||
- Seamless integration with existing Stripe infrastructure
|
|
||||||
- Transparent pay-as-you-go pricing ($1.50 per ID verification, $0.50 per SSN lookup)
|
|
||||||
- First 50 verifications free
|
|
||||||
- Excellent developer experience with well-documented APIs
|
|
||||||
- Built-in fraud detection from Stripe's risk operations
|
|
||||||
- Supports 100+ countries, 53 languages
|
|
||||||
- PII never touches our systems (reduced compliance burden)
|
|
||||||
|
|
||||||
**Pricing:**
|
|
||||||
- ID Document + Selfie: $1.50 per verification
|
|
||||||
- SSN Lookup: $0.50 per lookup
|
|
||||||
- Custom pricing available for 2,000+ verifications/month
|
|
||||||
|
|
||||||
### Veriff
|
|
||||||
|
|
||||||
**Strengths:**
|
|
||||||
- Highest country coverage (230+ countries)
|
|
||||||
- 99.9% accuracy rate claimed
|
|
||||||
- Fast decision times (~6 seconds)
|
|
||||||
- Strong fraud detection capabilities
|
|
||||||
- Vertically integrated technology stack
|
|
||||||
|
|
||||||
**Weaknesses:**
|
|
||||||
- Custom pricing only (less transparent)
|
|
||||||
- More complex integration than Stripe
|
|
||||||
|
|
||||||
### Jumio
|
|
||||||
|
|
||||||
**Strengths:**
|
|
||||||
- Strong brand recognition
|
|
||||||
- Good global coverage (200+ countries)
|
|
||||||
- Multiple product offerings including selfie.DONE for returning users
|
|
||||||
- Established enterprise customers
|
|
||||||
|
|
||||||
**Weaknesses:**
|
|
||||||
- Pricing not publicly available
|
|
||||||
- More complex sales process
|
|
||||||
|
|
||||||
### Sumsub
|
|
||||||
|
|
||||||
**Strengths:**
|
|
||||||
- Lower starting prices (~$0.50-2 per verification)
|
|
||||||
- Configurable platform
|
|
||||||
- Good for complex workflows
|
|
||||||
- 240% ROI claimed in Forrester study
|
|
||||||
|
|
||||||
**Weaknesses:**
|
|
||||||
- Less transparent pricing structure
|
|
||||||
- More setup required for customization
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
## Cost Analysis (Projected)
|
|
||||||
|
|
||||||
Assuming 1,000 verifications/month:
|
|
||||||
|
|
||||||
| Vendor | Estimated Monthly Cost |
|
|
||||||
|--------|----------------------|
|
|
||||||
| Stripe Identity | $1,500 |
|
|
||||||
| Veriff | TBD (contact sales) |
|
|
||||||
| Jumio | TBD (contact sales) |
|
|
||||||
| Sumsub | ~$500-2,000 |
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
## Compliance Considerations
|
|
||||||
|
|
||||||
All vendors support:
|
|
||||||
- GDPR compliance
|
|
||||||
- SOC 2 Type II certification
|
|
||||||
- Data encryption at rest and in transit
|
|
||||||
- Programmatic data deletion
|
|
||||||
|
|
||||||
**Stripe Identity advantages:**
|
|
||||||
- PII isolation (data never touches our servers)
|
|
||||||
- Pre-built privacy FAQ templates
|
|
||||||
- Explicit user consent flows included
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
## Integration Timeline Estimate
|
|
||||||
|
|
||||||
| Phase | Stripe Identity | Other Vendors |
|
|
||||||
|-------|----------------|---------------|
|
|
||||||
| Setup & Configuration | 1-2 days | 3-5 days |
|
|
||||||
| Development | 2-3 days | 4-7 days |
|
|
||||||
| Testing | 2-3 days | 3-5 days |
|
|
||||||
| **Total** | **5-8 days** | **10-17 days** |
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
## Recommendation
|
|
||||||
|
|
||||||
**Select Stripe Identity** for the following reasons:
|
|
||||||
|
|
||||||
1. **Existing Relationship**: We already use Stripe for payments, simplifying billing and support
|
|
||||||
2. **Developer Experience**: Best-in-class documentation and SDKs
|
|
||||||
3. **Transparent Pricing**: No surprises, pay only for completed verifications
|
|
||||||
4. **Fastest Time to Market**: Can be integrated in under a week
|
|
||||||
5. **Compliance Simplicity**: PII never touches our infrastructure
|
|
||||||
6. **Scalability**: Handles Stripe's scale, proven infrastructure
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
## Next Steps
|
|
||||||
|
|
||||||
1. [ ] Confirm vendor selection with team
|
|
||||||
2. [ ] Create Stripe Identity application
|
|
||||||
3. [ ] Design verification flow UX
|
|
||||||
4. [ ] Implement integration (estimate: 1 week)
|
|
||||||
5. [ ] Test with sample documents
|
|
||||||
6. [ ] Deploy to production
|
|
||||||
7. [ ] Monitor and optimize conversion rates
|
|
||||||
86
plans/board_update_2026-03-25.md
Normal file
86
plans/board_update_2026-03-25.md
Normal file
@@ -0,0 +1,86 @@
|
|||||||
|
# Board Update - March 25, 2026
|
||||||
|
|
||||||
|
## Executive Summary
|
||||||
|
|
||||||
|
**Status**: Green with Blockers
|
||||||
|
|
||||||
|
Security review backlog has been completely cleared. Implementation work is ready to resume but legal/compliance documents are awaiting board review.
|
||||||
|
|
||||||
|
## Completed This Week
|
||||||
|
|
||||||
|
### Security Reviews (11 items - All Approved)
|
||||||
|
- FRE-456: Web Frontend
|
||||||
|
- FRE-454: Auth Integration
|
||||||
|
- FRE-469: Clerk Webhooks
|
||||||
|
- FRE-493: Onboarding Flow
|
||||||
|
- FRE-497: Trust Score UI
|
||||||
|
- FRE-465: iOS Transactions UI
|
||||||
|
- FRE-484: ID Verification (Stripe Identity)
|
||||||
|
- FRE-488: Privacy Policy
|
||||||
|
- FRE-490: KYC/AML Framework
|
||||||
|
- FRE-486: Bank Linking (Plaid)
|
||||||
|
- FRE-491: E-Sign Integration
|
||||||
|
- FRE-505: Rate Limiting & CORS
|
||||||
|
|
||||||
|
### Code Quality
|
||||||
|
- FRE-466: iOS Profile Screens (revisions complete)
|
||||||
|
- FRE-505: Security Hardening (rate limiting, CORS, headers)
|
||||||
|
|
||||||
|
## Blockers Requiring Board Action
|
||||||
|
|
||||||
|
### 1. Legal/Compliance Documents (5 items)
|
||||||
|
These documents have been completed and security-reviewed. They need board approval before implementation:
|
||||||
|
|
||||||
|
| ID | Document | Status | Action Needed |
|
||||||
|
|----|----------|--------|---------------|
|
||||||
|
| FRE-484 | ID Verification (Stripe Identity) | Done + Security Approved | Review & Approve |
|
||||||
|
| FRE-486 | Bank Linking (Plaid Integration) | Done + Security Approved | Review & Approve |
|
||||||
|
| FRE-488 | Privacy Policy | Done + Security Approved | Review & Approve |
|
||||||
|
| FRE-490 | KYC/AML Framework | Done + Security Approved | Review & Approve |
|
||||||
|
| FRE-491 | E-Sign Integration | Done + Security Approved | Review & Approve |
|
||||||
|
|
||||||
|
**Impact**: These are prerequisites for production launch. Delay in approval delays launch.
|
||||||
|
|
||||||
|
### 2. FRE-504 Task State Issue
|
||||||
|
- Observability implementation (distributed tracing, Prometheus metrics) is complete
|
||||||
|
- Code committed (40e9d7b)
|
||||||
|
- Task has stale `executionRunId` preventing status update
|
||||||
|
- **Action Needed**: Admin intervention to clear task state
|
||||||
|
|
||||||
|
## Implementation Pipeline (Ready to Execute)
|
||||||
|
|
||||||
|
Once legal docs are approved, CTO can proceed with:
|
||||||
|
|
||||||
|
1. **FRE-453**: Database: Drizzle ORM + Turso (HIGH priority)
|
||||||
|
2. **FRE-454**: Auth: Clerk Integration (HIGH priority)
|
||||||
|
3. **FRE-455**: Backend APIs: Loans/Users/Transfers (HIGH priority)
|
||||||
|
4. **FRE-452**: Design System: UI/UX Specification (HIGH priority)
|
||||||
|
|
||||||
|
iOS work (FRE-457) can continue in parallel.
|
||||||
|
|
||||||
|
## Team Status
|
||||||
|
|
||||||
|
- **CTO**: Active, performing oversight role effectively
|
||||||
|
- **Senior Engineer**: Active, completed 2 tasks
|
||||||
|
- **Security Reviewer**: Exceptional performance - cleared entire backlog
|
||||||
|
- **Code Reviewer**: Active
|
||||||
|
- **Founding Engineer**: Active on iOS screens
|
||||||
|
- **CMO**: PAUSED (since March 22) - marketing work deferred
|
||||||
|
|
||||||
|
## Recommendations
|
||||||
|
|
||||||
|
1. **Immediate**: Review and approve 5 legal/compliance documents
|
||||||
|
2. **This Week**: Resume CTO implementation work on database, auth, and APIs
|
||||||
|
3. **Decision**: Reactivate CMO or redistribute marketing responsibilities
|
||||||
|
4. **Technical**: Clear FRE-504 task state (admin action)
|
||||||
|
|
||||||
|
## Metrics
|
||||||
|
|
||||||
|
- Code Review Pipeline: 3 items (healthy, down from 17)
|
||||||
|
- Security Reviews: 0 backlog (cleared)
|
||||||
|
- Implementation Tasks: 4 high-priority items ready
|
||||||
|
- Legal Blockers: 5 documents awaiting approval
|
||||||
|
|
||||||
|
---
|
||||||
|
|
||||||
|
**Next Update**: March 26, 2026 or upon board action
|
||||||
@@ -1,268 +0,0 @@
|
|||||||
# Micro Lending Business Plan - Lendair
|
|
||||||
|
|
||||||
**Date:** March 26, 2026
|
|
||||||
**Status:** Draft for Board Review
|
|
||||||
**Project:** Lendair (FRE-449)
|
|
||||||
|
|
||||||
## Executive Summary
|
|
||||||
|
|
||||||
Lendair is a micro-lending platform enabling peer-to-peer small loans through an iOS app and web interface. Targeting underbanked populations, the platform facilitates trust-based lending with transparent terms and automated repayment tracking.
|
|
||||||
|
|
||||||
## Market Opportunity
|
|
||||||
|
|
||||||
### Target Market
|
|
||||||
- **Primary:** Kenya (MVP launch market)
|
|
||||||
- **Demographic:** Unbanked/underbanked populations aged 18-45
|
|
||||||
- **Size:** Kenya has ~65% of adults using mobile money, creating infrastructure readiness
|
|
||||||
|
|
||||||
### Problem Statement
|
|
||||||
- Traditional banks reject small loan requests (<$500) due to overhead
|
|
||||||
- Informal lending (friends/family) lacks structure and tracking
|
|
||||||
- High interest rates from predatory lenders (up to 300% APR)
|
|
||||||
- No credit history building for small borrowers
|
|
||||||
|
|
||||||
### Solution
|
|
||||||
- Platform-mediated micro-loans ($50-$1000 range)
|
|
||||||
- Trust score system based on repayment history
|
|
||||||
- Automated reminders and partial payment support
|
|
||||||
- Credit building through verified repayment history
|
|
||||||
|
|
||||||
## Product Overview
|
|
||||||
|
|
||||||
### Core Features
|
|
||||||
1. **Lender Side**
|
|
||||||
- Browse loan requests with risk ratings
|
|
||||||
- Set lending budget and risk tolerance
|
|
||||||
- Track portfolio performance
|
|
||||||
- Automated repayment collection
|
|
||||||
|
|
||||||
2. **Borrower Side**
|
|
||||||
- Submit loan requests with purpose
|
|
||||||
- Build trust score through repayment history
|
|
||||||
- Flexible repayment schedules
|
|
||||||
- Credit history export
|
|
||||||
|
|
||||||
3. **Platform**
|
|
||||||
- Identity verification (KYC)
|
|
||||||
- Dispute resolution system
|
|
||||||
- Automated payment processing
|
|
||||||
- Risk assessment algorithms
|
|
||||||
|
|
||||||
### Technical Stack
|
|
||||||
- **Auth:** Clerk (user management, SSO)
|
|
||||||
- **Backend:** tRPC (type-safe API layer)
|
|
||||||
- **Database:** Turso (SQLite at edge, low latency)
|
|
||||||
- **ORM:** Drizzle (type-safe schema)
|
|
||||||
- **Frontend:** SolidStart (web), SwiftUI (iOS)
|
|
||||||
- **Styling:** TailwindCSS
|
|
||||||
|
|
||||||
## Revenue Model
|
|
||||||
|
|
||||||
### Primary Revenue Streams
|
|
||||||
1. **Transaction Fees:** 2-5% per loan (split between lender/borrower)
|
|
||||||
2. **Premium Features:** $2.99/month for advanced analytics, priority support
|
|
||||||
3. **Late Payment Processing:** $1 fee (capped at 10% of loan)
|
|
||||||
|
|
||||||
### Pricing Strategy
|
|
||||||
| Loan Size | Transaction Fee | Platform Cut |
|
|
||||||
|-----------|-----------------|--------------|
|
|
||||||
| $50-200 | 5% | 1.5% |
|
|
||||||
| $200-500 | 4% | 1.2% |
|
|
||||||
| $500-1000 | 2% | 0.8% |
|
|
||||||
|
|
||||||
### Unit Economics (per loan)
|
|
||||||
- Average loan: $200
|
|
||||||
- Average fee: 4% = $8
|
|
||||||
- Platform revenue: 1.2% = $2.40
|
|
||||||
- Processing cost: ~$0.50
|
|
||||||
- Gross margin: ~79%
|
|
||||||
|
|
||||||
## Go-to-Market Strategy
|
|
||||||
|
|
||||||
### Phase 1: Kenya MVP (Months 1-6)
|
|
||||||
- Launch with 100 beta users (50 lenders, 50 borrowers)
|
|
||||||
- Partner with local mobile money providers (M-Pesa)
|
|
||||||
- Focus on community-based lending circles
|
|
||||||
- Target: $10K total loan volume
|
|
||||||
|
|
||||||
### Phase 2: Scale Kenya (Months 7-12)
|
|
||||||
- Expand to 1,000 active users
|
|
||||||
- Add credit bureau partnerships
|
|
||||||
- Introduce group lending features
|
|
||||||
- Target: $250K total loan volume
|
|
||||||
|
|
||||||
### Phase 3: Regional Expansion (Year 2)
|
|
||||||
- Nigeria, Ghana markets
|
|
||||||
- Local language support
|
|
||||||
- Agent network for cash-in/cash-out
|
|
||||||
- Target: $2M total loan volume
|
|
||||||
|
|
||||||
## Competitive Landscape
|
|
||||||
|
|
||||||
### Direct Competitors
|
|
||||||
- **Branch International:** Mobile loans, but institution-to-consumer only
|
|
||||||
- **Tala:** Credit scoring focus, not P2P
|
|
||||||
- **M-KOPA:** Asset financing, not general purpose
|
|
||||||
|
|
||||||
### Competitive Advantages
|
|
||||||
1. **P2P Model:** Lower rates than institutional lenders
|
|
||||||
2. **Trust Score:** Community-based risk assessment
|
|
||||||
3. **Flexibility:** Peer negotiation on terms
|
|
||||||
4. **Credit Building:** Portable reputation across platforms
|
|
||||||
|
|
||||||
## Risk Assessment
|
|
||||||
|
|
||||||
### Key Risks
|
|
||||||
1. **Default Risk:** Mitigated by trust score, social collateral
|
|
||||||
2. **Regulatory Risk:** Kenya has clear mobile lending regulations
|
|
||||||
3. **Fraud Risk:** KYC verification, identity checks
|
|
||||||
4. **Liquidity Risk:** Minimum lender commitments, platform bridge
|
|
||||||
|
|
||||||
### Compliance Requirements
|
|
||||||
- Kenya Central Bank lending license
|
|
||||||
- KYC/AML procedures (FRE-484, FRE-490)
|
|
||||||
- Data protection compliance (FRE-488)
|
|
||||||
- E-signature legal framework (FRE-491)
|
|
||||||
|
|
||||||
## Financial Projections
|
|
||||||
|
|
||||||
### Year 1 (Kenya MVP)
|
|
||||||
- Active users: 1,000
|
|
||||||
- Loan volume: $250K
|
|
||||||
- Revenue: $3,000 (transaction fees)
|
|
||||||
- Operating cost: $150K (team, infrastructure)
|
|
||||||
- Net: -$147K
|
|
||||||
|
|
||||||
### Year 2 (Regional)
|
|
||||||
- Active users: 10,000
|
|
||||||
- Loan volume: $2M
|
|
||||||
- Revenue: $30,000
|
|
||||||
- Operating cost: $400K
|
|
||||||
- Net: -$370K
|
|
||||||
|
|
||||||
### Year 3 (Scale)
|
|
||||||
- Active users: 50,000
|
|
||||||
- Loan volume: $10M
|
|
||||||
- Revenue: $150,000
|
|
||||||
- Operating cost: $800K
|
|
||||||
- Net: -$650K
|
|
||||||
|
|
||||||
**Note:** Early losses expected; path to profitability requires scale and premium adoption.
|
|
||||||
|
|
||||||
## Funding Requirements
|
|
||||||
|
|
||||||
### Seed Round (Current)
|
|
||||||
- **Amount:** $500K
|
|
||||||
- **Use of Funds:**
|
|
||||||
- Engineering team (6 months): $300K
|
|
||||||
- Legal/compliance: $50K
|
|
||||||
- Marketing/user acquisition: $100K
|
|
||||||
- Infrastructure/operations: $50K
|
|
||||||
|
|
||||||
### Series A (18 months)
|
|
||||||
- **Target:** $3M
|
|
||||||
- **Purpose:** Regional expansion, team scaling
|
|
||||||
|
|
||||||
## Team Requirements
|
|
||||||
|
|
||||||
### Current (to be activated)
|
|
||||||
- CEO: Strategy, fundraising, partnerships
|
|
||||||
- CTO: Technical architecture, team leadership
|
|
||||||
- CMO: Go-to-market, user acquisition
|
|
||||||
- Senior Engineer: Core platform development
|
|
||||||
- Founding Engineer: iOS implementation
|
|
||||||
|
|
||||||
### Hires (Year 1)
|
|
||||||
- Backend Engineer
|
|
||||||
- iOS Engineer
|
|
||||||
- Compliance Officer (Kenya)
|
|
||||||
- Customer Support (localized)
|
|
||||||
|
|
||||||
## Success Metrics
|
|
||||||
|
|
||||||
### Product Metrics
|
|
||||||
- Monthly Active Users (MAU)
|
|
||||||
- Loan completion rate
|
|
||||||
- Average loan size
|
|
||||||
- Repayment rate (target: >90%)
|
|
||||||
|
|
||||||
### Business Metrics
|
|
||||||
- Gross Merchandise Volume (GMV)
|
|
||||||
- Take rate (revenue/GMV)
|
|
||||||
- CAC (customer acquisition cost)
|
|
||||||
- LTV (lifetime value)
|
|
||||||
|
|
||||||
### Technical Metrics
|
|
||||||
- API uptime (target: 99.9%)
|
|
||||||
- Latency (p95 < 200ms)
|
|
||||||
- Test coverage (target: 100%)
|
|
||||||
- Security audit compliance
|
|
||||||
|
|
||||||
## Timeline
|
|
||||||
|
|
||||||
### Week 1-2: Foundation
|
|
||||||
- [x] Business plan (this document)
|
|
||||||
- [ ] Technical architecture (CTO)
|
|
||||||
- [ ] Marketing strategy (CMO)
|
|
||||||
- [ ] Legal entity setup
|
|
||||||
|
|
||||||
### Month 1: MVP Development
|
|
||||||
- Database schema and migrations
|
|
||||||
- Auth integration
|
|
||||||
- Core API endpoints
|
|
||||||
- Design system
|
|
||||||
|
|
||||||
### Month 2-3: Core Features
|
|
||||||
- Loan request/approval flow
|
|
||||||
- Payment processing
|
|
||||||
- Trust score algorithm
|
|
||||||
- iOS app alpha
|
|
||||||
|
|
||||||
### Month 4-5: Testing
|
|
||||||
- Beta user onboarding
|
|
||||||
- Security audits
|
|
||||||
- Compliance review
|
|
||||||
- Bug fixes
|
|
||||||
|
|
||||||
### Month 6: Launch
|
|
||||||
- Public launch in Kenya
|
|
||||||
- Marketing campaign
|
|
||||||
- Partner onboarding
|
|
||||||
|
|
||||||
## Dependencies and Blockers
|
|
||||||
|
|
||||||
### Immediate Actions Required
|
|
||||||
1. **Board Approval:** Legal/compliance documents (FRE-484, FRE-486, FRE-488, FRE-490, FRE-491)
|
|
||||||
2. **CTO Activation:** Unpause CTO to begin technical planning and implementation
|
|
||||||
3. **CMO Decision:** Reactivate or redistribute marketing responsibilities
|
|
||||||
|
|
||||||
### Technical Dependencies
|
|
||||||
- All implementation tasks assigned to CTO (currently paused)
|
|
||||||
- Security reviews completed (all 11 items approved)
|
|
||||||
- Code review pipeline healthy
|
|
||||||
|
|
||||||
## Appendices
|
|
||||||
|
|
||||||
### Related Issues
|
|
||||||
- FRE-449: Micro Lending (parent)
|
|
||||||
- FRE-452: Design System
|
|
||||||
- FRE-453: Database Schema
|
|
||||||
- FRE-454: Auth Integration
|
|
||||||
- FRE-455: Backend APIs
|
|
||||||
- FRE-456: Web Frontend
|
|
||||||
- FRE-457: iOS App
|
|
||||||
|
|
||||||
### Legal Documents (Ready for Review)
|
|
||||||
- FRE-484: ID Verification (Stripe Identity)
|
|
||||||
- FRE-486: Bank Linking (Plaid)
|
|
||||||
- FRE-488: Privacy Policy
|
|
||||||
- FRE-490: KYC/AML Framework
|
|
||||||
- FRE-491: E-Sign Integration
|
|
||||||
|
|
||||||
---
|
|
||||||
|
|
||||||
**Next Steps:**
|
|
||||||
1. Board review and approve legal/compliance documents
|
|
||||||
2. Unpause CTO to begin technical execution
|
|
||||||
3. Reactivate CMO or reassign marketing tasks
|
|
||||||
4. Begin Phase 1 implementation
|
|
||||||
Reference in New Issue
Block a user