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Broj 19 u Kur'anu — Jednostavno objašnjenje Bismillahir-Rahmanir-Rahim Šta kaže Kur'an o broju 19? U suri El-Muddessir (74:30), Allah kaže: عَلَيْهَا تِسْعَةَ عَشَرَ "Nad njim je devetnaest." Ovo je jedino mjesto u cijelom Kur'anu gdje se broj 19 eksplicitn...

Plan: Drop Sprint 1 Implementation Date: 2026-02-26 Author: John (AI Director) MC Task: #2110+ Status: PENDING APPROVAL Sprint Duration: 5 weeks (UI prototype with mock integrations) Research Summary Existing Codebase (MUCH more than expected) 46 API routes...

Service: Baikal CalDAV Label: Docker container baikal + LaunchAgent com.john.calendar-bridge Tier: P2 (Business) Port: 5232 (local), calendar.basicconsulting.no (public via Cloudflare) What It Does Self-hosted CalDAV server for ALAI Business calendar. Alem syn...

Service: Baikal CalDAV Label: Docker container baikal + LaunchAgent com.john.calendar-bridge Tier: P2 (Business) Port: 5232 (local), calendar.basicconsulting.no (public via Cloudflare) What It Does Self-hosted CalDAV server for ALAI Business calendar. Alem syn...

Lobby — Product Overview One platform. All your people. VIKTIG: ALAIOne = Lobby ALAIOne og Lobby er SAMME produkt. Lobby er det offisielle, lanserte produktnavnet. ALAIOne-mappen er arkivert og videresendt til Lobby. All fremtidig dokumentasjon, utvikling og...

Funding & Status — Lobby Finansiering Innovasjon Norge — Oppstartstilskudd 1 Parameter Detaljer Program Oppstartstilskudd 1 (pre-seed grants for startups) Beløp 150 000 NOK Varighet 9 måneder Søknadsdato 2026-02-27 Status Søknad bekreftet mottat...

Competitive Landscape — Lobby vs Incumbents Totalkostnadsanalyse — Typisk norsk bedrift med 50 ansatte Kategori Verktøy Månedlig kostnad HR & Håndbok Simployer 4 000 NOK HMS Compliance Compendia 2 500 NOK Fravær/Timer Mavis 7 500 NOK (150 × 50) Re...

Product Overview What is Tok? Tok is an Open Banking aggregator for Balkan markets (Croatia, Serbia, BiH). Tagline: "Tok podataka iz banke u vaš softver" English: "Bank data flows into your software" Tok = Serbian/Bosnian/Croatian for "flow", "current", "str...

Implementation Status Current build state as of Q1 2026. Component Status Table Component Status Target API server (Kotlin/Ktor) Foundation built Q2 2026 Croatian bank integration (Berlin Group) Architecture ready, sandbox pending Q3 2026 Serbian b...

Tech Stack Tok is a Kotlin-native backend built for reliability and financial-grade security. Core Stack Layer Technology Notes Language Kotlin JVM-based, coroutine-native HTTP Framework Ktor Kotlin-idiomatic, coroutines-native routing Dependency I...

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...