# Project Overview

> Last Verified: 2026-02-17 | Owner: John

# Drop — Project Overview

## What is Drop?
Drop is a fintech payment app providing remittance and QR payment services for all residents in Scandinavia. It operates on a **pass-through PSD2 model** — Drop never holds customer money. All funds remain in users bank accounts, with transactions initiated via Open Banking (AISP/PISP).

## Current Status
- **Phase:** SDLC-4-Implementation (active development)
- **Budget:** 250,000 NOK (bootstrap)
- **Timeline:** 5 weeks MVP
- **Market:** Scandinavia (Norway launch, Sweden/Denmark phase 2)

## Core Features
1. **Remittance** — International money transfers (0.5% fee) via PISP
2. **QR Payments** — In-store payments (1% merchant fee) via PISP
3. **Bank Accounts** — View linked balances via AISP
4. **Notifications** — Push notifications and transaction alerts
5. **Transaction History** — Full history with filters

## Tech Stack
- **Frontend:** Next.js 16 + React 19 + Tailwind v4
- **Backend:** Next.js API Routes
- **Database:** SQLite (better-sqlite3)
- **Auth:** JWT (jose) in httpOnly cookies
- **Hosting:** Vercel
- **Banking APIs:** Wise API / Thunes (remittance), Swan (EU banking)

## Team
- **PM:** John
- **Tech Lead:** dev (Ollama)
- **Scrum Master:** John
- **Developers:** builder (Claude Sonnet)
- **QA:** validator (Claude Sonnet)
- **Designer:** designer (Ollama)

## Key Partnerships
### SpareBank 1 Sør-Norge
- **Status:** Updated pitch sent (2026-02-16)
- **Contact:** Edis Sabaredzovic (edis.sabaredzovic@sb1sornorge.no)
- **Proposed Model:** 70/30 revenue split, agent model under SB1 licence
- **Next:** Awaiting response

## Branding
- **Domain:** getdrop.no
- **Tagline:** "Enklere betalinger. Lavere gebyrer."
- **Logo:** Green rounded square with white $ icon (circular arrows) + gold/orange dot
- **Design System:** Figma Make export (10 screens) at mockups/figma-make-export/

## User Requirements (ENFORCED)
- Minimum age: 18 (BankID validation)
- Residency: Norway (Norwegian phone +47, Norwegian BankID)
- BankID verification: mandatory before transactions

## Important Notes
- Drop is a **general-purpose payment app** — NOT diaspora-only
- **Pass-through model:** Drop never holds money, no wallet, no balance
- Cards feature is feature-flagged (future, requires banking partner)
- Never use banking without licence disclaimer

## Key Documents
- **Architecture:** project/architecture/drop-architecture.md
- **Business Case:** project/docs/zica-business-case-v2.md
- **Pipeline:** project/PIPELINE.md
- **Documentation Index:** docs/INDEX.md