Full codebase audit — 33 build prompts · 5 delivery clusters
Master Audit &
TODO Checklist
Complete integration status across all 189 audit points and 30 Pulse AI agents. UI layer is production-ready. Data integration, payments, email triggers, and blockchain are the active build focus.
93
Done & working
21
Built / partial
75
Missing
49%
Overall completion
8/30
Agents connected
Done & working
Built but broken / mock data / partial
Missing / not implemented
Spec violation
TEAMS
Delivery Cluster Assignments
Cluster A
UI / UX Design
Design System · Landing & Public Pages · Console & Bugs · Support Agent UX
Cluster B
Frontend Engineering
Onboarding · Merchant App · User App · Admin Portal · Multi-Currency · Onboarding Agents
Cluster C
Backend & Data
Auth · WebSocket · Database · Hosted Checkout · Referrals · Analytics Agents · Monitoring Agents
Cluster D
Integrations & Payments
Payments · Email · Push · Ecosystem APIs · Fraud Agents · Sales Agents · Marketing Agents
Cluster E
Compliance & Infrastructure
Blockchain · KYC System · Production Readiness · KYC/AML Agents · Risk Scoring Agents
OVERVIEW
Summary Statistics
| Category | Cluster | Done | Partial | Missing | Total | Progress |
|---|---|---|---|---|---|---|
| Design System | A | 8 | 4 | 0 | 12 | |
| Auth & Sessions | C | 10 | 1 | 1 | 12 | |
| Onboarding | B | 4 | 1 | 3 | 8 | |
| Merchant App (UI) | B | 11 | 0 | 0 | 11 | |
| Merchant App (Data) | C | 0 | 1 | 7 | 8 | |
| User App (UI) | B | 13 | 0 | 0 | 13 | |
| User App (Data) | C | 1 | 0 | 4 | 5 | |
| Admin (UI) | B | 13 | 0 | 0 | 13 | |
| Admin (Data) | C | 0 | 1 | 2 | 3 | |
| WebSocket / Realtime | C | 5 | 0 | 4 | 9 | |
| Blockchain | E | 1 | 1 | 7 | 9 | |
| Payment Processing | D | 0 | 0 | 8 | 8 | |
| Email System | D | 3 | 1 | 10 | 14 | |
| Push Notifications | D | 2 | 0 | 2 | 4 | |
| Database Flow | C | 4 | 2 | 7 | 13 | |
| Hosted Checkout & Invoices | C | 2 | 1 | 4 | 7 | |
| Referral System | C | 1 | 3 | 1 | 5 | |
| KYC System | E | 3 | 1 | 2 | 6 | |
| Ecosystem APIs | D | 1 | 0 | 6 | 7 | |
| Landing & Public Pages | A | 6 | 1 | 0 | 7 | |
| Multi-Currency | B | 5 | 0 | 1 | 6 | |
| Console & Bugs | A | 0 | 2 | 0 | 2 | |
| Production Readiness | E | 0 | 1 | 6 | 7 | |
| TOTALS | 93 | 21 | 75 | 189 |
NEXT UP
Priority Action Plan
PHASE 1 — CLUSTER C + D
Payment & Billing — Revenue Critical
Enable card payment processor → real charges, VIP subscriptions, setup fees
Wire all transactions to database (replace in-memory state)
Wire referrals, staff, and payouts to persistent storage
Enable real-time sync on transactions table
PHASE 2 — CLUSTER D
Communications
Verify mpaygo.io domain in email delivery service
Wire all email triggers (payment, signup, KYC, VIP, referral)
Build scheduled functions (daily summary, monthly statement)
Set up web push (VAPID keys, subscription storage, push delivery)
PHASE 3 — CLUSTER E
Blockchain & Compliance
Deploy IFNY ERC-20 contract (Base L2 recommended)
Deploy FeeSplitter and MerchantRegistry contracts
Wire blockchain service into all wallet views and on-chain links
Integrate real KYC provider (Sumsub recommended)
Create storage bucket for identity document uploads
PHASE 4 — ALL CLUSTERS
Ecosystem & Launch
Build cross-project API gateway for ecosystem integrations
Connect Infinity Mall / Arena Views / Morizon Pay live APIs
Wire admin analytics dashboard to real event data
End-to-end flow testing across all three user types
Security scan + penetration test before go-live
CLUSTER A — UI / UX DESIGN TEAM
01
Design System & Spec Violations
8 Done
4 Partial
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 1.1 | Light mode only — no dark mode, no toggle | VIOLATION | Dark mode fully implemented — .dark class in CSS (90 lines), ThemeToggle component in TopNav. Spec says light mode only throughout. | |
| 1.2 | Color system matches spec hex values | DONE | CSS variables match spec: primary teal #2E9E8E ✓ | |
| 1.3 | Typography: Cabinet Grotesk / DM Sans / JetBrains Mono | DONE | All three fonts imported and applied correctly per spec roles. | |
| 1.4 | Glassmorphism on specified surfaces | PARTIAL | Glass variables defined but inconsistently applied across all spec'd surfaces. | |
| 1.5 | No emoji — SVG icons only | DONE | Lucide icon set used throughout. | |
| 1.6 | Card radius 16px min, borders, shadows per spec | DONE | Correct across all card components. | |
| 1.7 | Button hover translate(-2px), active scale(0.97) | PARTIAL | Partially applied — not set globally. | |
| 1.8 | Input focus: teal border + glow, label slides up | PARTIAL | Basic focus styles exist; label float animation missing. | |
| 1.9 | Status dots pulse animation | PARTIAL | Some pulse animations exist, not consistent across all indicators. | |
| 1.10 | All financial values count up from 0 | DONE | Count-up hook used throughout. | |
| 1.11 | Skeleton screens everywhere, no spinners | MISSING | Auth guard still uses a spinner. Multiple skeleton components exist elsewhere. | |
| 1.12 | No placeholder copy | DONE | Real copy throughout. |
CLUSTER A — UI / UX DESIGN TEAM
17
Landing Page & Public Pages
6 Done
1 Partial
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 17.1 | Landing at / and /landing | DONE | Full scroll page built. | |
| 17.2 | Blog at /blog | DONE | Built. | |
| 17.3 | Contact at /contact with Pulse AI chat | DONE | Built. | |
| 17.4 | Install App at /install | DONE | PWA install guide built. | |
| 17.5 | Terms / Privacy / Cookies pages | DONE | All built. | |
| 17.6 | Pre-registration form writes to database | DONE | Pre-registrations table connected ✓ | |
| 17.7 | SEO meta tags per page | PARTIAL | Basic title in root HTML only — no per-page meta, no structured data. | |
| 17.8 | PWA manifest & icons | DONE | PWA plugin configured. |
CLUSTER A — UI / UX DESIGN TEAM
19
Console Errors & Bugs
2 Active
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 19.1 | forwardRef warnings on Landing page | BUG | PreRegisterModal and TelegramTestingPopup — function components given refs without forwardRef wrapper. | |
| 19.2 | TelegramTestingPopup — not in spec | CLEANUP | Component exists but is not in spec. Should be removed before production release. |
CLUSTER B — FRONTEND ENGINEERING
03
Onboarding
4 Done
1 Partial
3 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 3.1 | Step 1 — Role Selection | DONE | Working. | |
| 3.2 | Step 2 — Account Details | DONE | Working. | |
| 3.3 | Step 3 — KYC Verification | MOCK | Uses random approval/rejection — not connected to any real identity verification service. | |
| 3.4 | Step 4 — Wallet Creation | MOCK | Animation exists but no real wallet is created on-chain — purely cosmetic. | |
| 3.5 | Step 5 — Biometric Setup (user only) | DONE | Bypass code flow implemented. | |
| 3.6 | Onboarding writes to database | MISSING | Onboarding does not call auth signup — uses in-memory state only. | |
| 3.7 | Currency selector in onboarding | PARTIAL | Exists in settings but NOT in the onboarding flow as spec requires. | |
| 3.8 | Referral banner if referralId present | DONE | Implemented. |
CLUSTER B — FRONTEND ENGINEERING
04
Merchant App
11 UI Done
1 Partial
7 Data Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 4.1–4.12 | All Merchant screens (Dashboard, Pay, History, Reports, Wallet, Refunds, Settings, QR, Online, Billing, Support) | UI DONE | All 11 screens built and navigable. | |
| 4.13 | Dashboard reads from database | MOCK DATA | Reads from in-memory state only — not from the merchants table. | |
| 4.14 | Transactions write to database | MOCK DATA | Transaction additions write to in-memory state only, never insert to transactions table. | |
| 4.15 | Wallet balance from database | MOCK DATA | Computed from mock transactions in state, not from wallets table. | |
| 4.16 | Staff accounts from database | MOCK DATA | Hardcoded array — never reads/writes staff_accounts table. | |
| 4.17–4.19 | Refunds / Payouts / Split Rules persist to database | MOCK DATA | All local state only — none write to their respective tables. | |
| 4.20 | QR codes: branded download PNG/PDF | PARTIAL | QR renders but branded PDF download with merchant name not fully implemented. |
Root cause: The data-fetching hooks exist and are correctly written, but every merchant screen imports from in-memory state instead. The fix is a systematic import swap — hooks need no rewriting, just the component imports.
CLUSTER B — FRONTEND ENGINEERING
05
User App
13 UI Done
4 Data Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 5.1–5.13 | All User App screens (Dashboard, Scan & Pay, Send, Split, Request, History, Discover, Notifications, Referral, VIP Tiers, Settings, Arena Views, Support) | UI DONE | All 13 screens built and navigable. | |
| 5.14 | IFNY wallet reads from chain | DEAD CODE | Blockchain service exists but is never imported anywhere — completely dead code. | |
| 5.15 | User data from database | MOCK DATA | All reads from in-memory state. | |
| 5.16 | Payment sounds (Web Audio API) | DONE | Implemented in settings. | |
| 5.17 | VIP upgrade actually charges | MOCK | Upgrade flow updates state only — no real payment charge. | |
| 5.18 | Notifications from database | MOCK DATA | Reads from hardcoded array, not from notifications table. |
CLUSTER B — FRONTEND ENGINEERING
06
Admin Portal
13 UI Done
1 Partial
2 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 6.1–6.13 | All Admin screens (Login, Dashboard, Merchants, Users, Ledger, Revenue, Pulse AI, Ecosystem, Sales, Audit, Tickets, Analytics, Power/Standard roles) | UI DONE | All screens built. Analytics and Pulse AI feedback are connected to live data ✓ | |
| 6.14 | Admin reads from database | MIXED | Analytics and Pulse feedback read from live data; all other screens read from in-memory state. | |
| 6.15 | Admin writes to database | MISSING | Tier changes, suspensions, and KYC approvals all update local state only. | |
| 6.16 | Ecosystem panel API calls | MOCK DATA | All 4 panels use hardcoded data — no live API calls. |
CLUSTER B — FRONTEND ENGINEERING
18
Multi-Currency
5 Done
1 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 18.1 | Currency service with live exchange rates | DONE | Live rate API with caching and hardcoded fallback. | |
| 18.2 | Dual-amount display component | DONE | Component functional. | |
| 18.3–18.5 | Display currency for Merchant / User / Admin | DONE | In settings for all three. Admin toggle implemented. | |
| 18.6 | Currency preference persists to database | LOCAL ONLY | Stored in-memory only — resets on page refresh. |
CLUSTER C — BACKEND & DATA ENGINEERING
02
Authentication & Session Management
10 Done
1 Partial
1 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 2.1 | Login at /login with Merchant/User tabs | DONE | Working with live auth. | |
| 2.2–2.3 | Forgot password / Reset password flows | DONE | Both implemented. | |
| 2.4 | Failed login: red banner, no field hints | DONE | Correct. | |
| 2.5 | 5 failed attempts → 60s lockout with countdown | DONE | Implemented in login screen. | |
| 2.6 | Session timeout 30min inactivity | DONE | Session timeout hook exists and wired. | |
| 2.7 | "Remember me" toggle | DONE | Implemented. | |
| 2.8 | Auth guard protects /merchant/, /user/ | DONE | Working. | |
| 2.9 | Dev bypass auth system | REMOVE BEFORE LAUNCH | Dev auth bypass exists — security risk for production. Stores bypass mode in browser storage. | |
| 2.10–2.12 | Sign out clears state / Connection status dot / User dropdown | DONE | All implemented. | |
| 2.13 | Email verification on signup | CHECK | Auto-confirm may be enabled — spec requires email verification before access. |
CLUSTER C — BACKEND & DATA ENGINEERING
07
WebSocket / Real-Time
5 Done
4 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 7.1 | WebSocket service built with event system | DONE | Built. | |
| 7.2 | Demo simulation mode | VIOLATION | Demo mode hardcoded on, 15-second simulated delay. Spec requires 500ms–1200ms real event. | |
| 7.3 | Event / status hooks | DONE | Working. | |
| 7.4–7.5 | Merchant QR + User Pay auto-confirm on payment event | DONE | Both flows auto-confirm working. | |
| 7.6 | Real-time database sync on transactions | NOT DONE | Entire system is simulated with setTimeout — no real-time subscription active on any table. | |
| 7.7–7.9 | WALLET_UPDATED / KYC / REFERRAL_MILESTONE events | NOT WIRED | Event types defined but never emitted or consumed. |
CLUSTER C — BACKEND & DATA ENGINEERING
12
Database — Data Flow
4 Done
2 Partial
7 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 12.1 | profiles table | PARTIAL | Read for role on auth; profile update hook exists but rarely called. | |
| 12.2 | merchants table | PARTIAL | Query hook exists but merchant screens use in-memory state instead. | |
| 12.3 | transactions table | NOT USED | Query hook exists but ALL screens read from in-memory state. | |
| 12.4 | wallets table | NOT USED | Query hook exists but never called from UI. | |
| 12.5–12.8 | notifications / referrals / staff_accounts / payouts tables | NOT USED | Hooks exist and are correctly written but UI reads from hardcoded arrays instead. | |
| 12.9 | pre_registrations table | DONE | Landing page form writes to this table ✓ | |
| 12.10 | analytics_events table | DONE | Event tracking writes working ✓ | |
| 12.11 | ai_feedback + support_tickets tables | DONE | Chat feedback and ticket creation working ✓ | |
| 12.12 | audit_flags table | UNUSED | Schema exists, hook exists, never written to from app. |
CLUSTER C — BACKEND & DATA ENGINEERING
13
Hosted Checkout & Invoices
2 Done
1 Partial
4 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 13.1–13.2 | Hosted checkout /pay/:linkId + Invoice /invoice/:invoiceId | UI DONE | Both pages built. | |
| 13.3 | Card payment on hosted checkout | MOCK | Cosmetic form only. | |
| 13.4 | QR payment on hosted checkout | SIMULATED | Simulated with timeout delay, not a real payment event. | |
| 13.5 | Invoice email sent to customer | NOT WIRED | No email trigger. | |
| 13.6–13.7 | Payment links + Invoices persist to database | LOCAL ONLY | Local state only — not persisted. |
CLUSTER C — BACKEND & DATA ENGINEERING
14
Referral System
1 Done
3 Partial
1 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 14.1 | Referral landing at /ref/:userId | DONE | Built. | |
| 14.2 | Attribution stored on onboarding | PARTIAL | Stored in-memory only, not persisted. | |
| 14.3 | £30 cash reward on activation | PARTIAL | Added to local state, not to database or real payment. | |
| 14.4 | Milestone tracking (£5K/£50K) | UI ONLY | Progress bars exist, data is hardcoded. | |
| 14.5 | Referral milestone real-time event | NOT WIRED | Event type defined but never emitted. |
CLUSTER D — INTEGRATIONS & PAYMENTS
09
Payment Processing
8 Missing — 0% connected
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 9.1 | Card payments (real processor) | NOT INTEGRATED | No payment processor integrated — all card forms are cosmetic. | |
| 9.2 | VIP subscription billing (£18/£59 monthly) | MOCK | Upgrade flow simulates success — no real charge. | |
| 9.3 | Merchant setup fee (£100) | MOCK | No billing mechanism. | |
| 9.4 | Monthly statement fee (£9.99) | MOCK | No billing mechanism. | |
| 9.5 | Pulse AI add-on fee (£9.99) | MOCK | No billing mechanism. | |
| 9.6 | Card top-up (1.5% fee) | MOCK | UI exists but no real processor. | |
| 9.7 | Bank transfer verification | MOCK | Shows static bank details only. | |
| 9.8 | USDT deposit detection | MOCK | Shows wallet address only, no on-chain monitoring. |
CLUSTER D — INTEGRATIONS & PAYMENTS
10
Email System
3 Done
1 Partial
10 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 10.1 | Email delivery edge function exists | EXISTS | Delivery service integration working. | |
| 10.2 | Edge function called anywhere in app | NOT WIRED | The function invocation is NEVER called anywhere in the entire codebase. | |
| 10.3 | Email templates defined | EXISTS | Template file has all required template strings. | |
| 10.4–10.13 | All email triggers (Welcome, Payment, Daily Summary, Payout, Monthly IFNY, Referral Reward, VIP Receipt, KYC Status, Arena Views reminder, Billing reminder) | NOT WIRED | Zero triggers connected. Function exists, never invoked. | |
| 10.14 | Email preferences in settings | UI ONLY | Toggle UI exists but not connected to any delivery system. | |
| 10.15 | mpaygo.io sending domain verified | UNCONFIRMED | Sending from hello@mpaygo.io — domain verification status unconfirmed, may bounce. |
CLUSTER D — INTEGRATIONS & PAYMENTS
11
Push Notifications
2 Done
2 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 11.1–11.2 | Notification prompt UI + Service worker | EXISTS | Prompt component and service worker file both exist. Permission request leads nowhere. | |
| 11.3 | Push subscription backend | NOT BUILT | No endpoint to store push subscriptions. No VAPID keys configured. | |
| 11.4 | Push delivery + click destinations | NOT BUILT | No push send function. No click routing. |
CLUSTER D — INTEGRATIONS & PAYMENTS
16
Ecosystem Integrations
1 Done
6 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 16.1 | Admin Ecosystem panel UI | UI DONE | Built with 4 panels. | |
| 16.2–16.5 | Infinity Mall / Arena Views / Infinity Wallets / Morizon Pay API calls | ALL MOCK | All 4 panels use hardcoded data — no live API calls to any partner service. | |
| 16.6 | Cross-project API gateway | NOT BUILT | No edge functions for inter-service communication. | |
| 16.7 | Shared IFNY ledger + cross-project SSO | NOT BUILT | Each project has its own wallets table. No shared schema or auth layer. |
CLUSTER E — COMPLIANCE & INFRASTRUCTURE
08
Blockchain Integration
1 Done
1 Partial
7 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 8.1 | Blockchain service file exists | EXISTS | Has on-chain read functions. | |
| 8.2 | Blockchain service imported anywhere | DEAD CODE | ZERO imports — completely dead code. | |
| 8.3 | IFNY ERC-20 contract deployed | PLACEHOLDER | Contract address is all zeros — placeholder only. | |
| 8.4–8.6 | FeeSplitter / MerchantRegistry / RewardMinter contracts | MISSING | Referenced in UI trace views but no contract code exists. | |
| 8.7 | Real wallet creation on-chain | MOCK | Wallet address randomly generated on-screen — no real keypair or on-chain write. | |
| 8.8 | "View on Chain" links work | DEAD LINKS | TX IDs are random hex — buttons link nowhere. | |
| 8.9 | Wallet balance reads from chain | MOCK DATA | On-chain balance functions exist but are never called. | |
| 8.10 | UVI milestone tracker (250K tokens) | UI ONLY | UI exists in admin but reads hardcoded 0. |
CLUSTER E — COMPLIANCE & INFRASTRUCTURE
15
KYC System
3 Done
1 Partial
2 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 15.1 | KYC upload zones in onboarding | DONE | Built with animated states. | |
| 15.2 | Real identity verification | MOCK | Random approval/rejection — no real verification provider connected. | |
| 15.3 | 3 attempts before 24h lockout | DONE | Implemented. | |
| 15.4 | Re-verification at /verify | DONE | Built. | |
| 15.5 | Admin KYC queue | UI ONLY | Mock data in Pulse AI screen — no real pending queue. | |
| 15.6 | KYC status persists to profiles table | NOT WIRED | Never writes verified status to the database. |
CLUSTER E — COMPLIANCE & INFRASTRUCTURE
20
Production Readiness
1 Partial
6 Missing
| # | Item | Status | Detail | |
|---|---|---|---|---|
| 20.1 | Remove dev bypass auth | MUST FIX | Dev auth bypass allows unauthenticated access via browser storage — critical security vulnerability. | |
| 20.2 | Remove demo mode flag | MUST FIX | Demo mode hardcoded on in WebSocket service. | |
| 20.3 | Remove TelegramTestingPopup | MUST FIX | Not in spec, clutters landing page. | |
| 20.4 | Staging/production environment config | NOT BUILT | No environment-based switching. | |
| 20.5 | Global error boundary | NOT BUILT | No error boundary wrapping the app. | |
| 20.6 | Rate limiting on edge functions | MISSING | Email delivery function has no rate limiting. | |
| 20.7 | Input sanitization | PARTIAL | Basic validation exists. No comprehensive sanitization layer. |
21
Pulse AI — Agent Command Centre (30 Agents)
8 Connected
22 Not Connected
UI status: The Agent Command Centre at
/admin/agents is fully built — all 30 agents display with category cards, sub-agent rows, drag-to-reorder priority, and a detail drawer. 8 agents are now connected to live data. The remaining 22 run on simulated intervals with randomly generated metrics.ONBOARDING — 4 AgentsCLUSTER B
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A01 | Merchant Onboarding Agent | PARTIAL | Merchant KYC, wallet provisioning, QR generation, activation. Onboarding flow built and functional — wallet animation working. Real on-chain wallet creation and KYC provider pending (Cluster E). | |
| A02 | User Onboarding Agent | PARTIAL | Account creation, identity verification, wallet creation, biometric setup. All 5 onboarding steps functional and navigable. Auth signup write to database pending (Cluster C). | |
| A03 | Document Authentication Agent | PARTIAL | Upload zones built — Idle → Uploading → Verifying → Verified flow complete. Random approval logic pending replacement with real identity verification provider (Cluster E). | |
| A04 | Account Activation Agent | PARTIAL | Activation state triggers correctly in flow. Welcome email trigger not yet wired — email delivery system pending (Cluster D). |
FRAUD DETECTION — 4 AgentsCLUSTER D
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A05 | Transaction Fraud Agent | NOT CONNECTED | Real-time fraud scoring sub-500ms — primary fraud gate. Card shown in UI. No scoring logic wired — all transactions pass. Blocked by payment processing not being live. | |
| A06 | Velocity Check Agent | NOT CONNECTED | Monitors transaction frequency and amounts, flags unusual patterns. Not connected to any transaction pipeline. | |
| A07 | Pattern Analysis Agent | NOT CONNECTED | Cross-ledger behavioural analysis, coordinated fraud detection. No cross-ledger data available. | |
| A08 | Anomaly Detection Agent | NOT CONNECTED | Outlier detection using baseline behaviour models. No baseline data, no real transactions to analyse. |
KYC / AML — 4 AgentsCLUSTER E
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A09 | Identity Verification Agent | NOT CONNECTED | Selfie-to-document matching, confidence scoring. Pending real KYC provider integration (Sumsub recommended). | |
| A10 | Sanctions Screening Agent | NOT CONNECTED | Global sanctions list checks, continuous re-screening. Agent card shown — no real sanctions API connected. | |
| A11 | AML Monitoring Agent | NOT CONNECTED | Money laundering pattern analysis, SAR generation. No real transaction data or SAR workflow. | |
| A12 | Document Expiry Agent | NOT CONNECTED | Monitors document expiry, triggers re-verification. No document records in database to monitor. |
RISK SCORING — 3 AgentsCLUSTER E
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A13 | Transaction Risk Agent | NOT CONNECTED | Per-transaction risk score from 12 signals. No scoring model, no live transactions. | |
| A14 | Merchant Risk Agent | NOT CONNECTED | Ongoing merchant risk profile, updates after each transaction. Merchant data not yet live. | |
| A15 | Portfolio Risk Agent | NOT CONNECTED | Platform-level risk aggregation, daily reports. No real portfolio data. |
CUSTOMER SUPPORT — 3 AgentsCLUSTER A
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A16 | Merchant Support Agent | LIVE | AI support for all merchant queries, escalates after 3 failed attempts. Pulse AI chat live at /merchant/support — connected to live account context, feedback writes to database ✓ | |
| A17 | User Support Agent | LIVE | AI support for all user queries. Pulse AI chat live at /user/support — connected to live account context, feedback writes to database ✓ | |
| A18 | Escalation Router Agent | PARTIAL | Ticket creation to database working ✓ Human team routing and notification beyond DB write not yet implemented. |
ANALYTICS — 3 AgentsCLUSTER C
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A19 | Transaction Analytics Agent | PARTIAL | Analytics event inserts working and live ✓ Admin dashboard display still reads from hardcoded data. Full query-driven reporting pending (Cluster C). | |
| A20 | Merchant Performance Agent | NOT CONNECTED | Individual merchant analytics, updates daily. No live merchant data. | |
| A21 | Churn Prediction Agent | NOT CONNECTED | Disengagement signal detection, triggers retention workflows. No signal data, no retention trigger. |
SALES OUTREACH — 4 AgentsCLUSTER D
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A22 | Prospect Research Agent | NOT CONNECTED | Identifies and researches merchant prospects from public data. Prospect list is hardcoded — no real research pipeline. | |
| A23 | Outreach Personalisation Agent | NOT CONNECTED | Drafts personalised messages per prospect and vertical. No AI outreach generation wired. | |
| A24 | Follow-Up Sequence Agent | NOT CONNECTED | Multi-touch follow-up timing and delivery. No scheduling or delivery mechanism built. | |
| A25 | Lead Routing Agent | NOT CONNECTED | Qualifies warm leads, routes to onboarding with brief. No qualification logic or routing. |
MARKETING — 3 AgentsCLUSTER D
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A26 | User Acquisition Agent | NOT CONNECTED | Manages acquisition campaigns, optimises on conversion data. No campaign system or conversion data. | |
| A27 | Lifecycle Communications Agent | NOT CONNECTED | Personalised comms at key user moments. Email system not yet wired — pending Cluster D. | |
| A28 | VIP Upgrade Agent | NOT CONNECTED | Identifies upgrade candidates, sends IFNY earning projections. No candidate logic, no real email send. |
TRANSACTION MONITORING — 2 AgentsCLUSTER C
| # | Agent | Status | Function & Current State | |
|---|---|---|---|---|
| A29 | Post-Settlement Monitor | NOT CONNECTED | Continuous surveillance of all settled transactions. No real settlements occurring yet. | |
| A30 | Suspicious Activity Agent | NOT CONNECTED | Aggregates signals, generates SARs, feeds fraud review queue. No signal aggregation or SAR workflow. |
| Category | Cluster | Live | Partial | Not Connected | Total | Progress |
|---|---|---|---|---|---|---|
| Onboarding | B | 0 | 4 | 0 | 4 | |
| Fraud Detection | D | 0 | 0 | 4 | 4 | |
| KYC / AML | E | 0 | 0 | 4 | 4 | |
| Risk Scoring | E | 0 | 0 | 3 | 3 | |
| Customer Support | A | 2 | 1 | 0 | 3 | |
| Analytics | C | 0 | 1 | 2 | 3 | |
| Sales Outreach | D | 0 | 0 | 4 | 4 | |
| Marketing | D | 0 | 0 | 3 | 3 | |
| Transaction Monitoring | C | 0 | 0 | 2 | 2 | |
| TOTALS | 2 | 6 | 22 | 30 |