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Drop — Project Handbook

Drop — Fintech Payment App

Quick Info

  • What: Remittance + QR payments for everyone in Scandinavia
  • Target: ALL residents in Norway/Scandinavia — NOT limited to diaspora
  • IMPORTANT: Drop is a general-purpose payment app. Do NOT frame it as diaspora-only.
  • Pipeline: See project/PIPELINE.md
  • Business Case: project/docs/zica-business-case-v2.md (pre-rebrand, content valid)
  • Architecture: project/architecture/drop-architecture.md
  • Backlog: project/backlog/
  • Full Documentation: docs/INDEX.md — backend, frontend, mobile, infra, security, testing

Branding

  • Name: Drop (ex-Zica, renamed for cultural sensitivity)
  • Domain: getdrop.no (drop.no owned by TV2)
  • Tagline: "Send penger. Enkelt." (mobile) / "Enklere betalinger. Lavere gebyrer." (landing)
  • Logo: Figma vector wordmark "Drop" with currency exchange "o" (circular arrows + "kr") and gold dot top-right. Green rounded rectangle with gradient (#0B6E35 to #064E25). Web: @/components/drop-logo.tsx, Mobile: components/DropLogo.js
  • Design: MUST invoke frontend-design skill. Read ~/system/tools/PREMIUM_DESIGN_PATTERNS.md first.
  • NEVER: fake SVG logos, system fonts as logo, generic AI aesthetics

Folder Structure

  • brand/ — Logo, colors, guidelines
  • src/drop-app/ — Main application code
  • landing/ — Landing page and marketing site
  • project/ — Project documentation and planning
  • pitch/ — Partnership materials
  • rnd/ — Research & development documents
  • legal/ — Legal resources, contracts, compliance
  • marketing/ — Marketing campaigns, content, analytics
  • security/ — Security audits, policies, incident response
  • infrastructure/ — Deployment, monitoring, CI/CD
  • design/ — Figma links, UI specs, assets
  • support/ — Customer support FAQs, guides, feedback
  • comms/ — Communications history
  • docs/ — Technical documentation (see docs/INDEX.md for full index)
  • intake/ — Client intake materials
  • mockups/ — Design mockups
  • mockups/figma-make-export/ — UI SOURCE OF TRUTH (Vite+React, 10 screens)

UI Source of Truth

  • Make export: mockups/figma-make-export/src/components/ — 10 screens
  • BEFORE any UI change: Read the corresponding Make component first
  • Screens: Login, Onboarding, Dashboard, SendMoney, BankAccounts, TransactionHistory, ScanQR, Profile, Notifications, MerchantDashboard
  • No Cards screen in Make — Cards is feature-flagged, not part of core product

Core Features (Pass-through PSD2 model)

  1. Remittance — send money abroad to 30+ countries (PISP from user's bank account)
  2. QR Payments — pay in-store by scanning QR (PISP from user's bank account)
  3. Bank Accounts — view linked bank account balances via AISP (Open Banking)
  4. Notifications — push notifications and transaction alerts
  5. Settings — user preferences and account management
  6. Transaction History — view all transactions with filters

IMPORTANT: Pass-through model

  • Drop NEVER holds customer money. No wallet, no balance, no top-up.
  • User's money stays in their bank account at all times.
  • AISP reads balance from bank via Open Banking / BankID consent.
  • PISP initiates payments directly from user's bank account.
  • Cards feature is gated behind feature flags (future, requires partner).

User Requirements (ENFORCED — from vilkår)

  • Minimum age: 18 — BankID fødselsnummer encodes DOB → validate >= 18
  • Residency: Norway — Norwegian phone (+47) + Norwegian BankID
  • BankID verification: mandatory — before any transaction
  • Pass-through model — Drop never holds money, Open Banking (PSD2) reads balance + initiates transfers
  • See project/architecture/architecture-document.md section 1.4 for implementation details

Rules

  • Follow ALAI SDLC: processes/sdlc/
  • All decisions logged in comms/decisions/
  • NEVER use word "banking" without licence disclaimer
  • Security-first: httpOnly JWT, parameterized SQL, rate limiting
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