Change Request Template: Drop — Fintech Payment App

Project: Drop — Remittance + QR Payments Version: 1.0 Date: 2026-02-23 Author: John (AI Director) Status: Approved (Template) Reviewers: Alem Bašić (CEO)

Document History

Version	Date	Author	Changes
0.1	2026-02-23	John	Initial CR template — Drop fintech context

How to Use This Template

A Change Request (CR) is submitted whenever a stakeholder wants to modify any approved project artifact — scope, timeline, budget, requirements, or design.

EVERY change must go through this process, no matter how "small" it seems. In fintech, one "small" change (e.g., adding a column to the users table) can violate PCI-DSS compliance and trigger a P0 incident.

Copy this template to docs/CROSS-CUTTING/change-requests/CR-{XXX}-{short-title}.md and fill in all fields.

Drop-Specific Rules:

Any schema change to users or cards tables requires explicit compliance review — pass-through model (ADR-003) must not be violated
Any change to fee rates (currently 0.5% remittance, 1% QR) requires CEO sign-off from Alem Bašić
Any change affecting authentication, rate limiting, or JWT handling requires security review by John + Validator Agent
Changes that affect Finanstilsynet registration scope must be reviewed before submission

Change Request Log

CR ID	Title	Status	Submitted	Decision Date	Impact
CR-001	Phase 0.5 Security Hardening Scope	Approved	2026-02-23	2026-02-23	In-scope security fixes; no fee/schema changes
CR-002	(use template below)

[TEMPLATE STARTS HERE — Copy below for each new CR]

Change Request: {CR_TITLE}

1. Change Request Metadata

Field	Value
CR ID	CR-{XXX} (assigned by John as AI Director)
Date Submitted	{DATE}
Submitted By	{NAME} — {ROLE}
Project	Drop — Remittance + QR Payments
Priority	Critical / High / Medium / Low
CR Type	Scope Change / Budget Change / Timeline Change / Requirements Change / Design Change / Technical Change
Current Phase	Phase 0.5 Security Hardening / Phase 1 BaaS Integration / Phase 2 Compliance
Decision Deadline	{DATE} (by when a decision must be made to avoid impact)

2. Change Description

2.1 Summary of Change

{ONE_PARAGRAPH_SUMMARY_OF_WHAT_CHANGES}

2.2 Current State (Before)

{DESCRIPTION_OF_CURRENT_STATE}

Currently approved in: {DOCUMENT_NAME_AND_VERSION}, Section {X.X}

Drop compliance check — Current state:

Does the current state involve the users.balance column? Yes / No — (Must remain: No)
Does the current state involve cards.card_number or cards.cvv? Yes / No — (Must remain: No)
Does the current state involve fee rates? Yes / No — (Current: remittance 0.5%, QR 1%)

2.3 Proposed State (After)

{DESCRIPTION_OF_PROPOSED_STATE}

Drop compliance check — Proposed state:

Will the proposed state add a balance column to users? Yes / No — (If Yes: BLOCKED — violates ADR-003)
Will the proposed state store card_number or cvv in full? Yes / No — (If Yes: BLOCKED — violates PCI-DSS)
Does this change fee rates? Yes / No — (If Yes: CEO sign-off required)

2.4 Out of Scope for This Change

This CR does NOT include:

{EXPLICITLY_EXCLUDED_ITEM_1}
{EXPLICITLY_EXCLUDED_ITEM_2}

3. Reason & Justification

3.1 Reason for Change

Reason Category	Applies?	Details
New business requirement discovered	Yes / No	{DETAILS}
Regulatory / compliance mandate	Yes / No	{DETAILS}
Client feedback from UAT / prototype	Yes / No	{DETAILS}
Technical blocker / infeasibility	Yes / No	{DETAILS}
Market opportunity / competitive pressure	Yes / No	{DETAILS}
Error/omission in original requirements	Yes / No	{DETAILS}
Performance / quality improvement	Yes / No	{DETAILS}
Security finding from audit	Yes / No	Reference: security/drop-security-rapport.md SEC-{ID}

Primary Justification: {CLEAR_BUSINESS_JUSTIFICATION_WHY_THIS_CHANGE_IS_NECESSARY}

3.2 Consequence of Not Changing

If this change is not approved: {CONSEQUENCE_OF_REJECTION}

4. Impact Analysis

4.1 Scope Impact

Deliverable Affected	Current Scope	Proposed Scope	Impact Type
{DELIVERABLE}	{CURRENT}	{PROPOSED}	Added / Removed / Modified

Scope Change Size: Small (< 1 day) / Medium (1–3 days) / Large (3–10 days) / Major (> 10 days)

4.2 Timeline Impact

Milestone	Current Date	New Date (if approved)	Delay
Phase 0.5 Security Hardening	2026-02-28	{NEW_DATE}	{DAYS} days
Phase 1 BaaS Integration	2026-04-30	{NEW_DATE}	{DAYS} days
Finanstilsynet Registration	2026-05-31	{NEW_DATE}	{DAYS} days

Timeline Impact: None / Minor (≤ 3 days) / Moderate (4–14 days) / Major (> 14 days) Critical Path Impact: Yes / No If yes: {WHICH_CRITICAL_PATH_ITEMS_AFFECTED}

4.3 Budget Impact

Cost Category	Current Budget (NOK)	Additional Cost (NOK)	Notes
Development	150,000 (Innovasjon Norge + bootstrap)	{ADDITIONAL}	{NOTES}
Design	—	{ADDITIONAL}
Testing	—	{ADDITIONAL}
Infrastructure (Fly.io)	—	{ADDITIONAL}
Total Additional Cost		{TOTAL_ADDITIONAL}

Budget Impact: None / Minor (< 5%) / Moderate (5–15%) / Major (> 15%) Total Drop budget: ~250,000 NOK (150K Innovasjon Norge + bootstrap) Funding Source for Additional Cost: {HOW_WILL_ADDITIONAL_COST_BE_COVERED}

4.4 Resource Impact

Resource	Current Allocation	Required if Approved	Impact
Builder Agent (Claude Sonnet)	Per-task	{NEW_ALLOCATION}	{NOTES}
Validator Agent (Claude Sonnet)	Per-review	{NEW_ALLOCATION}
John (AI Director)	Architecture + coordination	{NEW_ALLOCATION}

4.5 Risk Impact

Risk	Probability	Impact	Notes
{NEW_RISK_INTRODUCED}	H/M/L	H/M/L
Pass-through model violation risk	L (if schema touched)	Critical	Always assess for schema changes

4.6 Quality Impact

Test cases affected: {LIST_OF_TEST_CASES_NEEDING_UPDATE}
Regression risk: {HIGH/MEDIUM/LOW} — {EXPLANATION}
NFRs affected: {LIST_ANY_NFRs_IMPACTED}
db.test.ts pass-through assertions: Will these still pass? Yes / Needs update — {EXPLANATION}
api-endpoints.test.ts: Will existing 26 API endpoint tests still pass? Yes / Needs update

4.7 Affected Deliverables / Documents

Document	Section	Type of Change	Owner
`docs/backend/API-REFERENCE.md`	{SECTION}	Update / Add / Remove	John
`docs/backend/DATABASE-SCHEMA.md`	{SECTION}	Update / Add / Remove	John
`CLAUDE.md`	{SECTION}	Update	John
`docs/BUSINESS-REQUIREMENTS/functional-requirements.md`	FR-{XXX}	Modify	John
Test cases	TC-{XXX}	Update	Builder Agent + Validator Agent

5. Alternative Approaches Considered

Alternative	Description	Why Rejected
Option A (Proposed)	{THIS_CR}	Recommended
Option B	{ALTERNATIVE}	{WHY_NOT_CHOSEN}
Option C — Do Nothing	Reject the change	{CONSEQUENCE_OF_REJECTION}

Recommendation: Option {A/B/C} Rationale: {WHY_THIS_IS_THE_BEST_OPTION}

6. Implementation Plan

6.1 Implementation Steps

#	Task	Owner	Effort	Target Date
1	{TASK}	Builder Agent	{EFFORT}	{DATE}
2	Update `db.test.ts` if schema changes	Builder Agent	S	{DATE}
3	Update test cases for affected features	Builder Agent + Validator Agent	{EFFORT}	{DATE}
4	Update requirements and API reference docs	John	{EFFORT}	{DATE}
5	Regression testing (`npm run test` + `npx playwright test`)	Validator Agent	M	{DATE}
6	Deploy to staging (`https://drop-staging.fly.dev/`) and verify	Builder Agent	S	{DATE}

6.2 Dependencies

Dependency	Type	Blocking?
{DEPENDENCY}	Internal / External	Yes / No
Fly.io staging environment	Infrastructure	No (always available)
BaaS partner confirmation (for Phase 2 changes)	External	Yes (for live money movement)

6.3 Test Plan for This Change

Unit tests: {WHICH_UNITS_NEED_NEW/UPDATED_TESTS} — add to relevant __tests__/*.test.ts
Integration tests: {WHAT_INTEGRATIONS_TO_RETEST} — api-endpoints.test.ts
DB compliance: db.test.ts must still pass (no balance, no CVV)
Regression scope: Full npm run test (40+ tests) + npx playwright test (3 projects)
UAT: {DOES_THIS_REQUIRE_CEO_UAT? Y/N — WHICH_SCENARIOS}

7. Rollback Plan

Rollback Trigger: {WHAT_CONDITION_TRIGGERS_ROLLBACK} (e.g., error rate > 1% post-deploy, smoke tests failing, pass-through model violation detected)

Rollback Steps:

flyctl deploy --app drop-app --image registry.fly.io/drop-app:{PREVIOUS_VERSION} (2–5 min)
Verify health: curl https://drop-staging.fly.dev/api/health
Run smoke tests: npx playwright test --project=user-flows
If DB migrations ran: assess whether down migration is safe (Phase 0.5 migrations are all additive — generally safe to leave tables in place)
Update Mission Control incident task with rollback details

Rollback Owner: John (AI Director) Rollback Time Required: 5–10 minutes Data Recovery Needed: No (mock BaaS — no real transactions in Phase 0.5)

8. Approval Workflow

8.1 Approval Matrix — Drop

Impact Type	Required Approvals	Target Decision Time
No budget/timeline impact	John (AI Director)	1 business day
Schema change (any)	John + Validator Agent compliance check	1 business day
Fee rate change	John + Alem Bašić (CEO)	2 business days
Budget impact < 5% OR timeline < 3 days	John + Alem Bašić	2 business days
Budget impact 5–15% OR timeline 3–14 days	John + Alem Bašić (CEO)	3 business days
Budget impact > 15% OR timeline > 14 days	John + Alem Bašić (CEO) + Board	5 business days
Finanstilsynet registration scope change	John + Alem Bašić + Legal review	5 business days

8.2 This Change Requires

Tech Lead Review — Technical feasibility and effort confirmed (John)
Validator Agent Review — DB compliance check: no balance/CVV violation
John (AI Director) — Architecture accountability + Mission Control task created
Alem Bašić (CEO) — Fee rate changes, budget > 5%, or scope changes affecting BaaS/Finanstilsynet

8.3 Decision Record

Level	Reviewer	Decision	Date	Comments
Tech Lead	John	Approved / Rejected / Deferred	{DATE}	{COMMENTS}
Validator Agent	Validator	Approved / Rejected	{DATE}	DB compliance: pass-through model intact?
AI Director	John	Approved / Rejected	{DATE}
CEO (Alem)	Alem Bašić	Approved / Rejected	{DATE}	(required for fee/budget/scope changes)

Final Decision: APPROVED / REJECTED / DEFERRED Decision Date: {DATE} Effective From Sprint: Phase {X.X} / Sprint {X}

9. Change Log

Date	Changed By	What Changed
{DATE}	{NAME}	{WHAT_CHANGED}

Approval

Role	Name	Date	Signature
Author	John (AI Director)	2026-02-23	Approved (AI)
Tech Lead	John	2026-02-23	Approved
CEO (Alem)	Alem Bašić	TBD

Revision #5
Created 2026-02-23 12:06:55 UTC by John
Updated 2026-05-31 20:03:36 UTC by John