# Intake & Brief

Initial project intake and client brief documents

# Intake: First Contact

# First Contact: Drop

> **Rebrand note (2026-02-14):** Originally "Zica" / "FontelePay". Product rebranded to **Drop**. See [Drop CLAUDE.md](/ALAI/products/Drop/CLAUDE.md) for current spec.

**Date:** 2026-02-08
**Source:** Internal project
**Status:** Qualified Lead
**Agent:** nicksaraev (llama3.1:70b)

---

## Client Info

- **Company:** ALAI Holding AS (internal)
- **Contact:** Alem Bašić (alem@alai.no)
- **Type:** Internal product — rebranded from FontelePay → Zica → Drop

## Project Summary

Drop — fintech payment aplikacija za sve stanovnike Norveške/Skandinavije. Remittance + QR plaćanja sa pass-through PSD2 modelom (Drop nikad ne drži novac korisnika).

**Existing:** MVP sa 9+ stranica, Next.js 16 + React 19 + Tailwind v4, PostgreSQL 16 backend (Drizzle ORM, ADR-014), JWT auth, 24 API routes.

**Needs:** Real backend (PostgreSQL + JWT), full persistence, toast notifikacije, transaction history, UI polish.

## Lead Qualification (AI: nicksaraev)

### Portfolio vrijednost: VISOKA
- Kompleksna full-stack aplikacija sa više tehnologija
- MVP već postoji kao osnova
- Jasni ciljevi i definirane funkcionalnosti

### Tržišni potencijal: VISOK
- Mobilne banking aplikacije u porastu
- Prostor za inovativna rješenja
- Prilagodljivo različitim tržištima

### Rizici
- Kompleksnost aplikacije i tehničke poteškoće
- Konkurencija na fintech tržištu
- Sigurnosni rizici (financijski podaci)

## Decision

**QUALIFIED** — Projekat ide dalje u Discovery.

## Next Phase

Phase 2: Discovery → project-brief.md

# Intake: Project Brief

# Project Brief: Drop

> **Note:** Originally written as "Zica" / "FontelePay". Product has been rebranded to **Drop**. See [Drop CLAUDE.md](/ALAI/products/Drop/CLAUDE.md) for current spec.

**Date:** 2026-02-08 (updated 2026-02-14)
**Version:** 2.0
**Author:** product agent (llama3.1:70b) + John
**Status:** Updated

---

## 1. Problem

FontelePay MVP postoji ali ima kritične nedostatke:
- Podaci se gube na reload (in-memory mock servisi)
- Nema pravog backenda — sve je mock
- Nema notifikacija za korisnički feedback
- Nema transaction history stranice
- Login se lomi nakon reload-a
- Brand treba refresh (FontelePay → Drop)

## 2. Solution

Drop — fintech payment aplikacija sa:
- Real backend (PostgreSQL 16 + JWT auth)
- Full data persistence
- Toast notifikacije
- Kompletna transaction history
- UI polish i edge case handling
- Rebrand: novi vizualni identitet (Drop branding, Forest Green + Gold)
- Pass-through PSD2 model: Drop NEVER holds customer money

## 3. Target Users

- Svi stanovnici Norveške/Skandinavije — NE samo dijaspora
- Korisnici koji šalju novac u inostranstvo (remittance)
- Korisnici koji žele jeftinije QR plaćanje u lokalnim dućanima
- Dijaspora zajednice su ključni početni segment, ali Drop je za SVE

## 4. Key Features (MoSCoW)

### Must Have
- JWT autentikacija (register/login) via BankID
- PostgreSQL 16 backend sa pravim API rutama (Drizzle ORM)
- localStorage persistence za offline-first
- Toast notifikacije za sve akcije
- Transaction history stranica
- Account dashboard sa Open Banking (AISP) podacima
- Remittance — slanje novca u inostranstvo (PISP)
- QR merchant payments — plaćanje u dućanu

### Should Have
- Responsive mobile-first dizajn
- Bank partner integration (PSD2 agent model)
- KYC provider integration (e.g. Sumsub, BankID)

### Could Have
- Push notifikacije
- Dark mode
- Merchant analytics dashboard

### Won't Have (v1)
- Wallet / balance / top-up (Drop NEVER holds money)
- Fizička kartica
- Crypto wallet

## 5. Tech Stack

| Layer | Technology |
|-------|-----------|
| Frontend | Next.js 16, React 19, Tailwind v4, shadcn/ui |
| Backend | Next.js API Routes |
| Database | PostgreSQL 16 (Drizzle ORM) — ADR-014 |
| Auth | JWT (jose library) + BankID |
| External APIs | Open Banking (AISP/PISP) via bank partner |
| Hosting | TBD (Vercel candidate) |

## 6. Budget

**Interni projekat** — nema eksternog budžeta.
- Estimated effort: ~200h development + testing
- Interni trošak: ~$10,000 equivalent
- Realan trošak: John + Builder agent time

## 7. Timeline

| Faza | Trajanje |
|------|----------|
| Planning + Analysis | 1 sedmica |
| Design (Architecture) | 1 sedmica |
| Implementation | 2 sedmice |
| Testing + Polish | 1 sedmica |
| **Total** | **~5 sedmica** |

## 8. Success Metrics

- [ ] Svih 7+ stranica radi bez grešaka
- [ ] Podaci preživljavaju page reload
- [ ] JWT auth funkcionira end-to-end
- [ ] < 2s load time na svim stranicama
- [ ] 0 TypeScript errors
- [ ] npm run build uspješan
- [ ] Lighthouse score > 90

## 9. Risks

| Rizik | Vjerovatnoća | Impact | Mitigacija |
|-------|-------------|--------|------------|
| JWT security rupe | Medium | High | Security agent review |
| Mock → real migration complexity | Medium | Medium | Phased approach |
| Fintech regulacije | Low | High | Legal agent review |
| Design gap (nema vizualnih assets) | High | Medium | AI image gen + CSS-first pristup |
| Bank partner onboarding delay | Medium | High | Multiple bank targets, MVP ready for demo |

## 10. Approval

| Role | Name | Date | Status |
|------|------|------|--------|
| Product (AI) | product agent | 2026-02-08 | Drafted |
| John (AI Director) | John | 2026-02-08 | Reviewed |
| John (AI Director) | John | 2026-02-14 | Updated (rebrand) |
| Alem (CEO) | | | Pending |