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Serbia — Regulatory Summary
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 — Regulatory Summary
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 — Regulatory Summary
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 Overview
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...
Security & Compliance
Security architecture, RBAC, encryption, GDPR compliance
API Reference
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...
Database Schema
Bilko Database Schema Status: IMPLEMENTED (Prisma schema exists) Location: /Users/makinja/ALAI/products/Bilko/packages/database/prisma/schema.prisma Database: PostgreSQL 14+ ORM: Prisma 5.x Last updated: 2026-02-20 Purpose This document describes the comple...
Authentication & Authorization
Bilko Authentication & Authorization Status: SPECIFICATION (backend not implemented) Last updated: 2026-02-20 Purpose This document specifies the authentication and authorization system for Bilko's backend. Covers JWT tokens, password hashing, 2FA, role-bas...
Business Logic
Bilko Business Logic Status: SPECIFICATION (backend not implemented) Last updated: 2026-02-20 Purpose This document defines the accounting domain rules that Bilko's backend MUST enforce. These are non-negotiable business requirements for financial accuracy ...
Middleware Stack
Bilko Middleware Stack Status: SPECIFICATION (backend not implemented) Last updated: 2026-02-20 Purpose This document specifies the Express middleware stack for Bilko's backend. Middleware order is CRITICAL — security, authentication, validation, and error ...
External Services Integration
Bilko External Services Status: SPECIFICATION (backend not implemented) Last updated: 2026-02-20 Purpose This document specifies the external service integrations for Bilko's backend. Covers email delivery, file storage, exchange rates, and PDF generation. ...
Pages & Routing
Bilko Frontend Pages Framework: Next.js 15 (App Router) Current State: Fully implemented with mock data Future State: Will require API integration to replace mock data Route Architecture Overview graph TD ROOT["app/layout.tsx\n(Root HTML, Inter font, meta...
State Management
Bilko State Management Current State: Primarily React hooks (useState, useEffect) Installed but Minimal Use: Zustand 4.5.0 Future State: Migrate to Zustand for global state Architecture Overview flowchart LR subgraph CURRENT["Current Architecture (Phase 1...
Component Inventory
Bilko Component Inventory Last Updated: 2026-02-20 Source of Truth: Filesystem scan of apps/web/components/ Component Hierarchy Overview graph TD APP["app/layout.tsx\nRoot Layout"] APP --> LAND["Landing Page\napp/page.tsx"] APP --> AUTH_GRP["Auth...
Design System
Bilko Design System Source: Extracted from apps/web/tailwind.config.ts + brand identity spec Design Language: Modern Balkan accounting SaaS — clean, professional, accessible Token Architecture Overview graph TD TC["tailwind.config.ts\n(73 design tokens)"]...
Forms & Validation
Bilko Forms Documentation Current State: Native HTML forms with React state Validation: Client-side JavaScript validation (no schema validation yet) Future State: Zod schemas for validation, react-hook-form for form management Forms Overview graph TD FORM...
Testing Guide
Bilko — Testing Guide Status: NO TESTS EXIST YET — This document defines the testing strategy for implementation. Testing Philosophy Financial software has a higher correctness bar than typical web apps. Bilko's testing strategy prioritizes: Financial Logic ...
Test Inventory
Bilko — Test Inventory Status: NO TESTS EXIST YET — This document tracks planned tests and implementation status. This inventory catalogs all tests planned for Bilko, organized by category and priority. Test Coverage Summary Category Total Planned Implemen...