Friends & family loan tracker. We never touch your money.
SMS = doorbell + one fork
Alert · handoff · binary fork · confirm-what-happened. Never wizards / terms / policy / Q&A loops in SMS. Complex → web.
- SMS templatesPOR message templates
- Handoff mapSMS / MMS → web flowchart for each flow
- OAuth agent flowAI act-as-user · OAuth · via-agent audit · $200 vet demo
- 1. Home — My loansPropose CTA + loan cards
- 2. Propose wizardWho → tab|fixed fork → … · tab skips full schedule · web only
- 3. OTP stubSMS code → web verify
- 4. Invite SMS copySoft copy · no amount · handoff
- 5. Invite landingContinue / Report · SMS strip
- 6. Agree terms (fixed)Link only · not SMS body
- 6b. Agree tab (sample)Running tab terms · first charge creates it
- 7. Pending fundingSMS nudge + Mark funded
- 8. Active loan hub (fixed)Confirm SMS · due · extras → tab or new propose
- 8b. Active tab hubRunning tab · yardstick · add-on (no rebalance)
- 9. Clarify / one forkTap links · SMS preview
- 10. Dual-notify$50 applied · $420 left
- 11. ~~Pile-on (fixed)~~ DEPRECATEDOut of MVP · redirect → tab-addon / propose
- 11c. Tab add-onAdd to balance · preview weeks-left / payment-to-date · no rebalance
- 11d. Tab add-on confirmMutual accept
- 11b. ~~Pile-on confirm~~ DEPRECATEDHistorical · use tab-addon-confirm
- 12. Funding disputeSMS handoff · pause on page
- 12b. PauseHardship · SMS handoff
- 13. Paid offCongrats