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Bank Adapter Pattern The bank adapter pattern is a core architectural principle in Tok. Every bank integration goes through an abstract BankAdapter interface, isolating the rest of the system from bank-specific API differences. Why This Pattern? Banks across ...

Development Rules Seven mandatory rules for all Tok development. These rules exist because financial data and PSD2 compliance leave no room for shortcuts. Rule 1 — Consent Immutability PSD2 consent records are append-only audit trails. Never update or delete ...

API Overview Tok provides a REST API for accessing bank account data and initiating payments across Balkan markets. API Style Aspect Detail Style REST Specification OpenAPI 3.1 Base URL https://api.tokapi.io/v1 Response format JSON Auth API key...

Licensing Strategy Unified Platform Model One PI (Payment Institution) licence covers three products under one regulatory umbrella. AISP/PISP Licence Finanstilsynet (Norwegian FSA) Entity: ALAI Holding AS (org.nr 932 516 136) │ ├── AISP scope │ ├...

Per-Country Regulatory Guide Country-by-country breakdown of Tok's AISP registration approach. 🇳🇴 Norway — Base Registration Regulator: Finanstilsynet (Norwegian FSA) Licence type: AISP (opplysningsfullmektig) Entity: ALAI Holding AS (org.nr 932 516 136) Capi...

6 Moduler — Lobby Lobby er bygget rundt 6 moduler. Kundene kjøper det de trenger — ingen pakkelåsing. Modul 1 — Besøk & arbeidslogg (Core) Kategori: Feltarbeid, timeregistrering Status: Core-modul — inkludert i alle planer Funksjoner Check-in / check-out ved...

Ring Strategy — Fasevis Utrulling "One ring to rule them all." Kjernetanken Bygg ikke alt-i-ett fra start. Bygg et fremragende HR-verktøy, legg deretter til plugins som hver for seg dreper en overpriset norsk SaaS-incumbent. "Alt-i-ett" fremkommer organisk. ...

Product Overview What is Plock? Plock is an AI-native cloud Warehouse Management System (WMS) built from the ground up for Swedish SMBs. Unlike traditional WMS products that bolt AI on as an afterthought, Plock treats machine learning and natural language inte...

Pricing Model Plans Plan SEK/month Users Target Segment Starter 1,490 Up to 3 Micro e-commerce, first WMS Growth 2,990 Up to 10 Growing SMB, small 3PL Pro 4,990 Up to 25 Medium warehouse Enterprise Custom 25+ Large operations, custom SLAs Comp...

Pipeline Status Gate Tracker (8-Gate Product Pipeline) Gate Name Status Notes 1 Market Research PASS Swedish SMB WMS gap confirmed 2 Competitive Analysis PASS Fortnox Lager vs Ongoing WMS gap validated 3 Tech Stack Decision PASS CEO approved 2026-03...

Tech Stack (CEO approved 2026-03-03) Decision Date CEO Approval: 2026-03-03 Supersedes: Express + TypeScript backend, monolithic Next.js frontend Backend Component Choice Rationale Language Kotlin Type-safe, JVM performance, JetBrains ecosystem Frame...

Tech Stack — Lobby Statusoversikt Lag Teknologi Status Frontend Next.js 15 + React 19 + TypeScript + Tailwind + shadcn/ui Vedtatt Backend TBD — Node.js/TypeScript ELLER Java/Spring Boot ADR needed Database PostgreSQL + RLS (multi-tenancy) Vedtatt ...

Key ADRs Needed — Lobby Hva er en ADR? En Architecture Decision Record (ADR) dokumenterer en viktig arkitekturavgjørelse: kontekst, alternativer vurdert, beslutning tatt og konsekvenser. Gir fremtidige utviklere forståelse for hvorfor, ikke bare hva. Format: ~...

Project Structure Monorepo Layout The Plock monorepo uses Turborepo for frontend orchestration and Gradle for the Kotlin backend. Root folders: backend/ — Kotlin/Ktor backend (Gradle). Namespace: no.alai.plock Application.kt — Ktor entry point plugins/ — Ro...

Market Analysis — Lobby TAM / SAM / SOM Segment Beregning Verdi TAM (Total Addressable Market) 100K norske SMBer × 50 snitt ansatte × 149 NOK/mnd × 12 ~8,9 mrd NOK/år SAM (Serviceable Addressable Market) 30K kunnskapsarbeidere (20–200 ansatte) × 50 × ...

AI Features (Priority Order) Overview Plock is AI-native — not AI-bolted-on. Every data model is designed with AI querying in mind. The AI layer runs continuously; warehouse workers are alerted, not asked to check. Target user for AI: A warehouse worker with d...

Key Integrations Integration Priority Table Integration Type Priority Launch Date Fortnox REST v3, OAuth2 P0 Launch PostNord REST, OAuth2 P0 Launch DHL Sweden REST P1 Month 2 Instabee / Budbee REST JSON P1 Month 3 Shopify REST + GraphQL P1 Month...

Go-to-Market Strategy GTM Thesis The Fortnox ecosystem is our distribution. 598,000 Swedish companies use Fortnox for accounting. When they outgrow Fortnox Lager (369 SEK/month, basic inventory), there is no natural next step at affordable pricing. Plock is th...