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Middleware Design 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 fr...

Design System Documentation Project: Drop — Fintech Payment App Version: 0.1.0 Date: 2026-02-23 Author: John (AI Director, ALAI) Status: In Review Reviewers: Alem Bašić (CEO) Document History Version Date Author Changes 0.1 2026-02-23 John Initial dra...

State Management Architecture Project: Drop — Fintech Payment App Version: 0.1.0 Date: 2026-02-23 Author: John (AI Director, ALAI) Status: In Review Reviewers: Alem Bašić (CEO) Document History Version Date Author Changes 0.1 2026-02-23 John Initial d...

Drop Transactional Email System — Implementation Spec Project: Drop (Fintech Payment App) Task: MC #1188 Date: 2026-02-17 Author: John (AI Director) 1. Executive Summary Drop currently has placeholder email templates but no email service layer. This spec defi...

Drop FX Rate Transparency & Fee Breakdown Specification Task: MC #1193 Created: 2026-02-17 Author: John (Architect Agent) Status: DRAFT — Awaiting Alem approval Product: Drop — Fintech Payment App (Pass-through PSD2 PISP model) Executive Summary This specific...

Drop Load Testing & Performance Benchmarks Specification Version: 1.0 Date: 2026-02-17 Author: architect (Sonnet 4.5) Status: Draft MC Task: #1200 1. Executive Summary This specification defines the load testing strategy, performance benchmarks, and capacity ...

Drop Localization (i18n) — Architect Specification Project: Drop Fintech Payment App Component: Internationalization (i18n) — NO/EN/SV Author: John (Architect Agent) Date: 2026-02-17 Status: Draft for Review Executive Summary This specification defines the co...

Plan: Drop Figma Make Frontend Integration Research Summary Make Export (source: ~/ALAI/products/Drop/mockups/figma-make-export/) 10 screens, all custom Tailwind styling (NO shadcn imports despite package.json having them) react-router navigation (Link, useLo...

Drop Marketing Infrastructure — Implementation Spec Project: Drop (Fintech Payment App) Task: MC #1197 Date: 2026-02-17 Author: John (AI Director) Status: Draft — Awaiting Approval 1. Executive Summary Drop currently has a basic landing page (getdrop.no) with...

Plan: Drop MVP Pipeline A-Z Research Summary Actual State (13.02.2026) Phase 4 (Implementation) — 95% done, NOT 80% as PIPELINE.md says: 12 frontend pages: ALL wired to real API routes via fetch() 24+ API routes: ALL working (auth, transactions, cards, mercha...

Bilko — Low-Level Design (LLD) Version: 1.0 Date: 2026-02-23 Project ID: bbd77cc0 Status: Current — reflects actual codebase as of 2026-02-23 Table of Contents API Endpoint Specifications Database Schema Documentation Service Layer Design Middleware Stack Do...

Bilko API — Express Backend BookStack — Provjeri PRVO Prije traženja bilo čega — provjeri BookStack (http://localhost:6875). Centralna baza znanja za tools, skills, hooks, agents, rules, projekte, klijente, dokumentaciju. Ako odgovor postoji tamo — NE TRAŽI da...

Bilko — Test Plan Version: 1.0 Date: 2026-02-23 Project ID: bbd77cc0 Status: Current — reflects actual codebase and target testing strategy as of 2026-02-23 Table of Contents Test Philosophy Unit Test Strategy Integration Test Strategy End-to-End Test Strate...

Serbia (RS) Regulatory Requirements Overview Country Code: RS Currency: RSD (Serbian Dinar) EU Status: Candidate Open Banking: PSD2-aligned (deadline Jan 2026) Payment System: IPS Serbia (instant 1-sec) + SEPA member (May 2025, full ORD May 2026) VAT (PDV - ...

Bosnia & Herzegovina (BA) Regulatory Requirements Overview Country Code: BA Currency: BAM (Convertible Mark), symbol "KM" EU Status: Non-member (potential candidate) Open Banking: Not adopted Payment System: Gyro Clearing + RTGS (Real-Time Gross Settlement) ...

Croatia (HR) Regulatory Requirements Overview Country Code: HR Currency: EUR (adopted January 2024, previously HRK) EU Status: Member since 2013 Open Banking: PSD2 full compliance (Berlin Group NextGenPSD2) Payment System: SEPA (full member) VAT (PDV - Porez...

Multi-Region Accounting Standards Overview Source: Research report /Users/makinja/system/reports/research-bilko-multi-region-2026-02-20.md Key Architectural Insight: Shared Core + Country Plugins What's SHARED (build once) Component Standard Notes Chart...

Bilko API Reference Status: SPECIFICATION (backend not implemented) Base URL: http://localhost:4000/api/v1 (development) Production URL: https://api.bilko.io/api/v1 Last updated: 2026-02-20 Purpose This document is the implementation contract for Bilko's ba...