SMS / MMS → web

Friends & family · we never touch your money. Chat-first but SMS is doorbell.

• 1. Soft invite
  …Open only if you know them: [link]
  invite.html → Continue → agree (amount hidden until open)
• 2. OTP
  Pocket Change code: 482917…
  otp.html verify, then continue on web
• 3. Agree / Request change
  Boat terms ready. Open to agree: [link]
  agree.html / request-change.html — not SMS body
• 4. Pending funding / Funded nudge
  Boat agreed — waiting on funding. Open: [link]
  pending-funding.html
• 5. Payment applied confirm
  Boat: $50 applied · $420 left
  No page required — one-liner ONLY to both (confirm-toast.html)
• 6. Ambiguous payment clarify
  Got $150. [Same as last] [All to Boat] [Open]
  clarify.html — ONE ping; ignored → notebook pending
• 7. Tab add-on / late / pause / dispute (fixed pile-on DEPRECATED)
  Mom wants to add $65 to Household tab (groceries). Open: [link]
  Extras on a funded fixed → tab add-on or propose a new fixed loan
  tab-addon (canonical) · propose (new purpose) · pause · dispute · pile-on (deprecated only)
• 6b. Overpay on fixed → tab credit
  Got $150. Rest to Household tab? [Yes] [All to Boat] [Open]
  clarify.html — default tab credit when tab exists with same pair
• 8. Due reminders (−3 / due / +3)
  Boat due Fri · $43.87. Open loan: [link]
  active.html (optional)
• 9. Receipt forward (email preferred)
  Email → payment@… · or MMS screenshot → same parser
  Confirm SMS (#5) or ONE clarify (#6)
• 10. Same as last time?
  Same as last? [Yes] [No — open]
  clarify.html if No