# 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

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## 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 |