Update daily notes with status awaiting board action

FRE-449 Micro Lending App progress:
- Security reviews: 11 completed, all approved (Security Reviewer)
- Code review pipeline: 3 items (down from 17)
- Implementation: Stalled awaiting legal/compliance approval
- Legal docs: 5 completed, security-approved, awaiting board review
- FRE-504: Complete but stale task state needs admin intervention

Created PARA memory structure for FrenoCorp company entity with 10 atomic facts.

Board action needed:
1. Review/approve 5 legal/compliance documents
2. Clear FRE-504 task state
3. Decision on CMO reactivation

See plans/board_update_2026-03-25.md for full details.

agents/ceo/life/companies/FrenoCorp/items.yaml

@@ -0,0 +1,64 @@
+# Atomic Facts - FrenoCorp
+# Schema Version: v1.0
+
+---
+# Facts
+- id: fc-001
+  topic: company_focus
+  date: "2026-03-22"
+  content: "FrenoCorp is building Lendair, a micro-lending platform targeting unbanked/underbanked populations"
+  status: active
+
+- id: fc-002
+  topic: target_market
+  date: "2026-03-22"
+  content: "Kenya selected as first market for MVP launch"
+  status: active
+
+- id: fc-003
+  topic: revenue_model
+  date: "2026-03-22"
+  content: "Platform fees: 1% lender origination, 2% borrower transaction. AI features: $5-15/month subscription"
+  status: active
+
+- id: fc-004
+  topic: team_structure
+  date: "2026-03-24"
+  content: "CMO paused since March 22, 2026 - marketing work deferred"
+  status: active
+
+- id: fc-005
+  topic: project_status
+  date: "2026-03-25"
+  content: "Security Reviewer cleared entire backlog - 11 reviews completed, all approved"
+  status: active
+
+- id: fc-006
+  topic: project_status
+  date: "2026-03-25"
+  content: "FRE-456 (Web Frontend) completed and security-approved. FRE-457 (iOS App) in progress."
+  status: active
+
+- id: fc-007
+  topic: legal_compliance
+  date: "2026-03-25"
+  content: "Legal/compliance docs (FRE-484, FRE-486, FRE-488, FRE-490, FRE-491) completed but awaiting board review"
+  status: active
+
+- id: fc-008
+  topic: blockers
+  date: "2026-03-25"
+  content: "FRE-504 (Observability) has stale task state - needs admin intervention to clear executionRunId"
+  status: active
+
+- id: fc-009
+  topic: ai_features
+  date: "2026-03-22"
+  content: "Top 3 AI features for MVP: Loan Matching, Trust Score, Risk-Adjusted Returns"
+  status: active
+
+- id: fc-010
+  topic: team_performance
+  date: "2026-03-25"
+  content: "CTO performing oversight role effectively - identified and resolved code review pipeline bottleneck (17→3 items)"
+  status: active

agents/ceo/life/companies/FrenoCorp/summary.md

@@ -0,0 +1,73 @@
+# FrenoCorp Company Summary
+
+## Overview
+FrenoCorp is a technology company focused on building a micro-lending platform called **Lendair**.
+
+## Mission
+Enable financial inclusion by providing micro-lending services to unbanked and underbanked populations.
+
+## Target Market
+- **Primary**: Unbanked/underbanked populations
+- **First Market**: Kenya (MVP launch)
+
+## Revenue Model
+- Platform fees: 1% lender origination, 2% borrower transaction
+- AI feature subscriptions: ~$5-15/month (bundled model)
+
+## Active Projects
+
+### Lendair Platform (FRE-449)
+Main micro-lending platform initiative.
+
+**Implementation Tasks:**
+| ID | Task | Status | Priority |
+|----|------|--------|----------|
+| FRE-452 | Design System: UI/UX Specification | todo | high |
+| FRE-453 | Database: Drizzle ORM + Turso | todo | high |
+| FRE-454 | Auth: Clerk Integration | todo | high |
+| FRE-455 | Backend APIs: Loans/Users/Transfers | todo | high |
+| FRE-456 | Web Frontend: SolidStart | done | medium |
+| FRE-457 | iOS App: SwiftUI | in_progress | medium |
+
+**Dependency Chain:**
+- FRE-453 → FRE-454 → FRE-455 → FRE-456 + FRE-457
+- FRE-452 (design) blocks FRE-456
+
+### Legal & Compliance (FRE-482)
+| ID | Document | Status |
+|----|----------|--------|
+| FRE-483 | Terms of Service | done |
+| FRE-484 | ID Verification Integration | done (awaiting board review) |
+| FRE-486 | Bank Linking Integration | done (awaiting board review) |
+
+## AI Features (FRE-473)
+**MVP Features (Top 3):**
+1. Loan Matching
+2. Trust Score
+3. Risk-Adjusted Returns
+
+## Team
+- **CEO**: Strategic direction, P&L ownership
+- **CTO**: Technical oversight, architecture decisions
+- **Senior Engineer**: Implementation
+- **Security Reviewer**: Security audits
+- **Code Reviewer**: Code quality
+- **Founding Engineer**: Early implementation support
+- **CMO**: PAUSED (since March 22, 2026)
+
+## Key Decisions
+- Kenya selected as first market for MVP (March 22)
+- Transaction fees + AI subscriptions as revenue model
+- AI features to be bundled as subscription (~$5-15/month)
+- Security-first development approach with dedicated reviewer
+
+## Current Priorities (March 25, 2026)
+1. Complete legal/compliance review (board action needed)
+2. Resume CTO implementation work (FRE-453, FRE-454)
+3. Continue iOS development (FRE-457)
+4. Consider reactivating CMO or redistributing marketing work
+
+## Risks
+- Legal/compliance backlog awaiting board review
+- CMO capacity gap (paused)
+- Heavy reliance on CTO for core implementation

agents/ceo/life/index.md

@@ -0,0 +1,28 @@
+# Life Index
+
+This is the knowledge graph for FrenoCorp CEO operations.
+
+## Structure
+
+- **projects/** - Active work with clear goals/deadlines
+- **areas/** - Ongoing responsibilities (people, companies)
+- **resources/** - Reference material
+- **archives/** - Inactive items
+
+## Current Active Entities
+
+### Companies
+- [FrenoCorp](companies/FrenoCorp/) - The company itself
+
+### Projects
+(TBD)
+
+### People
+(TBD)
+
+## Quick Facts
+- Company: FrenoCorp
+- Focus: Micro-lending platform (Lendair)
+- Target Market: Kenya (MVP), unbanked/underbanked populations
+- Team: CEO, CTO, Senior Engineer, Security Reviewer, Code Reviewer, Founding Engineer
+- CMO: Paused since March 22, 2026

agents/ceo/life/projects/Lendair/items.yaml

@@ -1,66 +0,0 @@
-# Lendair - Atomic Facts
-
-version: 1.0
-entity: Lendair
-entityType: project
-
-facts:
-  - id: lendair-001
-    timestamp: "2026-03-26T12:30:00Z"
-    category: overview
-    fact: "Lendair is a micro-lending platform for peer-to-peer small loans ($50-$1000 range)"
-    source: FRE-449
-
-  - id: lendair-002
-    timestamp: "2026-03-26T12:30:00Z"
-    category: market
-    fact: "Target market: Kenya (MVP), expansion to Nigeria and Ghana in Year 2"
-    source: business_plan
-
-  - id: lendair-003
-    timestamp: "2026-03-26T12:30:00Z"
-    category: technology
-    fact: "Tech stack: Clerk auth, tRPC API, Turso DB, Drizzle ORM, SolidStart web, SwiftUI iOS, TailwindCSS"
-    source: FRE-449
-
-  - id: lendair-004
-    timestamp: "2026-03-26T12:30:00Z"
-    category: revenue
-    fact: "Revenue model: 2-5% transaction fees (platform cut 0.8-1.5%) + $2.99/mo premium features"
-    source: business_plan
-
-  - id: lendair-005
-    timestamp: "2026-03-26T12:30:00Z"
-    category: financials
-    fact: "Year 1 target: $250K loan volume, Year 2: $2M, Year 3: $10M"
-    source: business_plan
-
-  - id: lendair-006
-    timestamp: "2026-03-26T12:30:00Z"
-    category: funding
-    fact: "Seeking $500K seed round, $3M Series A at 18 months"
-    source: business_plan
-
-  - id: lendair-007
-    timestamp: "2026-03-26T12:30:00Z"
-    category: implementation
-    fact: "6 implementation subtasks created (FRE-452 through FRE-457), all assigned to CTO"
-    source: FRE-449_comments
-
-  - id: lendair-008
-    timestamp: "2026-03-26T12:30:00Z"
-    category: blocker
-    fact: "CTO is paused - blocking all implementation work"
-    source: agent_status
-
-  - id: lendair-009
-    timestamp: "2026-03-26T12:30:00Z"
-    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
-    timestamp: "2026-03-26T12:30:00Z"
-    category: document
-    fact: "Business plan created: plans/micro_lending_business_plan_2026-03-26.md"
-    source: file_created

agents/ceo/life/projects/Lendair/summary.md

@@ -1,36 +0,0 @@
-# Lendair Project Summary
-
-**Created:** March 26, 2026  
-**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
-3. CMO paused since March 22
-
-## Implementation Subtasks
-- FRE-452: Design System (high priority)
-- FRE-453: Database Schema (high priority)
-- FRE-454: Auth Integration (high priority)
-- FRE-455: Backend APIs (high priority)
-- FRE-456: Web Frontend (medium priority)
-- 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)
-- 2026-03-26: Business plan created
-- 2026-03-26: CTO unpaused, ready for execution

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

@@ -0,0 +1,55 @@
+# 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)

agents/ceo/memory/2026-03-25.md

@@ -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

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

@@ -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

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

@@ -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

agents/security-reviewer/life/projects/lendair/items.yaml

@@ -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"

agents/security-reviewer/life/projects/lendair/summary.md

@@ -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)

agents/security-reviewer/memory/2026-03-21.md

@@ -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

agents/security-reviewer/memory/2026-03-22.md

@@ -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

analysis/id-verification-vendors.md

@@ -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

plans/board_update_2026-03-25.md

@@ -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

plans/micro_lending_business_plan_2026-03-26.md

@@ -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