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Environment Configuration
Bilko — Development Environment Setup This guide walks through setting up a local development environment for Bilko. Environment Configuration Overview graph TD subgraph DEV["Development Environment"] D_ENV["apps/api/.env\napps/web/.env.local"] ...
Security Architecture
Bilko — Security Architecture Status: PLANNED (backend not built yet, security measures documented for implementation) This document defines the security architecture for Bilko, a financial SaaS handling sensitive accounting data. Security Principles Defense...
GDPR & Compliance
Bilko — Regulatory Compliance Status: NOT COMPLIANT — Requires legal review and implementation (Phase 2) This document outlines regulatory compliance requirements for Bilko as a Balkan accounting SaaS. Compliance Scope Bilko operates in a highly regulated spa...
Chart of Accounts (All Countries)
Unified Chart of Accounts Reference Last Updated: 2026-02-20 Purpose: Cross-country comparison and implementation guide for Bilko's Chart of Accounts Overview All three target markets (Serbia, Bosnia & Herzegovina, Croatia) use a class-based Chart of Accounts ...
Serbia — SEF e-Invoicing
Serbia — Sistem Elektronskih Faktura (SEF) Last Updated: 2026-02-20 Confidence Level: HIGH (verified from official sources and regulatory updates) Overview Serbia operates a mandatory electronic invoicing system called SEF (Sistem Elektronskih Faktura) for all...
Bosnia — PDV System
Bosnia & Herzegovina — PDV (Porez na dodatu vrijednost) Last Updated: 2026-02-20 Confidence Level: HIGH for tax rates, MEDIUM for e-invoicing (pending legislation) Overview Bosnia and Herzegovina operates a unified VAT (PDV) system administered by the Indirect...
Croatia — eRačun & HR-FISK
Croatia — eRačun and Fiscalization (Fiskalizacija) Last Updated: 2026-02-20 Confidence Level: HIGH (Croatia is EU member with well-documented regulations) Overview Croatia, as an EU member state, implements a comprehensive e-invoicing and fiscalization system....
Validation Report
Bilko Validation Report Date: 2026-02-20 Validator: John (AI Director) — Gate Validation Phase Project ID: bbd77cc0 Executive Summary 7 out of 8 gates PASS. Bilko is architecturally sound with comprehensive documentation, validated schema, and working frontend...
API Coverage Report
API Coverage Report Date: 2026-02-20 Purpose: Map every frontend page to required API endpoints. Verify 100% coverage. Status: Backend NOT implemented (specification only) Coverage Matrix Dashboard Page (/) UI Element Data Required API Endpoint Status ...
Low-Level Design Document
Low-Level Design Document Project: Drop Module/Component: Transactions Module (Remittance + QR Payment) Version: 1.0 Date: 2026-02-23 Author: Petter Graff, Senior Enterprise Architect Status: Approved Reviewers: Alem Bašić (CEO), John (AI Director) Related HL...
Compliance Framework Document
Compliance Framework Document Project: Drop — Fintech Payment App (ALAI Holding AS) Version: 1.0 Date: 2026-02-23 Author: ALAI Compliance Team Status: Draft Reviewers: DPO, Legal Counsel, CEO Classification: Confidential Document History Version Date Auth...
Backend Architecture Document
Backend Architecture Document Project: Drop Version: 0.1.0 Date: 2026-02-23 Author: Platform Architect (AI) Status: In Review Reviewers: Alem Bašić (CEO) Document History Version Date Author Changes 0.1 2026-02-23 Platform Architect (AI) Initial draft...
Project Charter: Drop — Fintech Payment App
Project Charter: Drop — Fintech Payment App Project: Drop — Remittance + QR Payments Version: 1.1 Date: 2026-02-08 (updated 2026-02-23) Author: John (AI Director) Status: Approved Reviewers: Alem Bašić (CEO) Document History Version Date Author Changes ...
Project Brief: Drop — Fintech Payment App
Project Brief: Drop — Fintech Payment App Project: Drop — Remittance + QR Payments for Scandinavia Version: 1.0 Date: 2026-02-08 Author: John (AI Director) + product agent Status: Approved Reviewers: Alem Bašić (CEO) Document History Version Date Author C...
Risk Register: Drop — Fintech Payment App
Risk Register: Drop — Fintech Payment App Project: Drop — Remittance + QR Payments Version: 1.1 Date: 2026-02-23 Author: John (AI Director) Status: Active Reviewers: Alem Bašić (CEO) Document History Version Date Author Changes 0.1 2026-02-08 legal ag...
RACI Matrix: Drop — Fintech Payment App
RACI Matrix: Drop — Fintech Payment App Project: Drop — Remittance + QR Payments Version: 1.0 Date: 2026-02-23 Author: John (AI Director) Status: Approved Reviewers: Alem Bašić (CEO) Document History Version Date Author Changes 0.1 2026-02-23 John Ini...
Communication Plan: Drop — Fintech Payment App
Communication Plan: Drop — Fintech Payment App Project: Drop — Remittance + QR Payments Version: 1.0 Date: 2026-02-23 Author: John (AI Director) Status: Approved Reviewers: Alem Bašić (CEO) Document History Version Date Author Changes 0.1 2026-02-23 J...
Business Requirements Document (BRD): Drop — Fintech Payment App
Business Requirements Document (BRD): Drop — Fintech Payment App Project: Drop — Remittance + QR Payments Version: 1.0 Date: 2026-02-08 (updated 2026-02-23) Author: John (AI Director) + product agent + finance agent + legal agent Status: Approved Reviewers: A...