Product Specification Document: Threadvault Mobile Application

 1.0 Introduction and Product Vision

This document serves as the primary technical and functional specification for the design, development, and implementation of the Threadvault Mobile application. This application is the digital front door for the Arreqqana World Community Bank (AWCB), a community-owned cooperative bank built to serve everyday people, small merchants, temple guilds, and neighborhood Houses. The bank’s mission is to ensure its customers' money is safe, useful, and locally alive, guided by a core promise to the community.

"Keep the Flame. Share the Flow."

The target audience for the Threadvault application reflects the diverse community of Arreqqana. It is designed for individuals seeking straightforward personal banking, families and shared households managing joint budgets, artisans and small business owners needing accessible micro-financing, and community organizations requiring transparent financial tools. The application must embody the bank's core identity in every feature and interaction, adhering to the guiding principles that define its relationship with the community.

2.0 Guiding Principles & Core Tenets

The strategic success of the Threadvault application depends on successfully embedding AWCB's community-first ethos directly into its design and functionality. The following principles are non-negotiable and must guide all architecture, design, and implementation decisions. They are derived from the bank's foundational commitment to safety, trust, and anti-corruption.

Core Product Tenets

• Decline, Not Punish: The system will default to declining transactions that would overdraw an account rather than allowing them and charging a punitive overdraft fee. The goal is to prevent financial spirals, not profit from them.

• Radical Transparency: All fees, terms, and conditions must be presented in plain, accessible language, directly reflecting the official fee sheet. There will be no hidden charges, complex clauses, or "gotcha" mechanics.

• Hardship-Aware Design: The application must support the bank's mission to work with its members through difficult times. This includes avoiding credit reporting that penalizes approved hardship plans and providing clear pathways to connect with a Borrower Advocate.

• Predator-Free Zone: The application and its associated financial products will explicitly ban and avoid any features that mimic predatory financial instruments, such as payday-loan clones, hidden compounding interest traps, or exploitative fee structures.

These tenets will be referenced and enforced throughout the functional specifications that follow to ensure the final product is a true extension of the AWCB mission.

3.0 Core Application Features & Functional Requirements

This section breaks down the application's functionality into distinct, actionable modules for the development and design teams. Each feature described below must be implemented in strict alignment with the guiding principles established in the previous section.

3.1 User Onboarding and Account Creation

The onboarding process is designed to be welcoming, clear, and efficient, reflecting the bank's accessible nature.

1. Welcome & Localization: The initial Splash screen will feature the Threadvault sigil and an entry button. Users must be able to select their preferred language (English, Arreqqana, Glyph Mode) and a regional skin (Coastal, Desert, Mountain, Forest) which will theme the application's visual appearance.

2. Account Application: A three-step wizard will guide the user through account creation.

    ◦ Basics: The user will input their name, birthday, phone, and email. A toggle switch must be present to allow the user to apply for a Household Thread (shared) account from the outset.

    ◦ User Verification: The system will prompt the user for ID upload and a selfie match for identity verification. During development and testing, this flow may use mock data. A mandatory checkbox must be presented for the user to acknowledge and consent to the bank's "No predatory fees. Clear terms." policy.

    ◦ Initial Funding: The user will be prompted to add initial funds via bank transfer, cash deposit, or card. The UI must include quick-add buttons for common amounts (e.g., 10, 25, 50 MJA).

3. Account Activation: Upon successful submission, a "Your Thread is Live" success screen will be displayed. This screen must present the user with three primary calls-to-action: [Add Savings Vault], [Order Debit Card], and [Link QELÛVVA].

3.2 Account Management & Dashboard

The main dashboard provides an at-a-glance summary of the user's financial standing and community connection. It must feature three primary components:

• Balance & Activity Tile: This component must display the current balance of the user's primary selected account (defaulting to Threadline Checking) and a scrollable list of recent transactions from that account. Transactions representing tips made via the QELÛVVA platform must be clearly identifiable with a unique speaker icon.

• Vault Progress Ring: This visual element must represent the user's primary Flame Vault savings account. It will function as a progress ring that fills as the user approaches a self-defined savings goal, with the Vault Flame icon at its center.

• Community Impact Tile: This component will display the user's earned Resonance Credits (RC) and provide a link to a view detailing community projects funded by AWCB, reinforcing the connection between individual banking and collective well-being.

3.3 Payments and Transfers

The following table outlines the required payment and transfer functionalities and their associated fee structures. All fees are denominated in MJA.

Feature	Functional Requirement	Associated Fee (MJA)
Internal AWCB Transfers	Instant transfer of funds between two AWCB accounts.	0.00
Standard External Transfers	Standard 1-2 business day transfer to an external financial institution.	0.00
Instant External Transfers	Real-time transfer to an external financial institution.	1% (min 0.50, max 8.00)
Bill Pay	Schedule one-time or recurring payments to merchants and utilities. Must support the optional 48-Qhiya Scheduler for timing.	0.00
Peer "Thread Gift"	Send funds to another AWCB user with an attached message and a digital sigil sticker. The fee must be automatically waived for gifts of 5.00 MJA or less.	0.25

3.4 Savings Features

The application will include automated tools to help users save consistently and meet their financial goals.

• Round-up "Spark" Saving: The application must include a settings panel where users can enable an automated round-up feature. The user must be able to toggle the feature on/off, set the rounding rule (to the nearest 1, 2, or 5 MJA), and select the destination account for the rounded-up funds (Flame Vault or Festival Pouch).

• Festival Pouch: This feature functions as a timed, locked savings account. The system must allow the user to select a specific festival date upon creation. Funds deposited into the Pouch will be locked and inaccessible until that date. The system must enforce the fee for any user-initiated early unlocking of funds.

• Glow Bonus: The system backend must track the number of deposits made into a user's Flame Vault Savings account each month. If two or more deposits are made within a calendar month, the system must automatically apply the "Glow Bonus" interest rate for that period.

3.5 QELÛVVA Integration

The application will integrate directly with the QELÛVVA social platform to facilitate seamless financial interactions.

1. Account Linking: The application must present a permission modal when the user initiates linking to their QELÛVVA account. This modal must include toggles for 'Show Threadmark Badge' and fields to set 'Tip limits' (with examples like 1, 5, 10, or Custom MJA) and to 'Require confirm for tips over a specific amount' (e.g., 5 MJA).

2. "Tip the Speaker" Functionality: Within the QELÛVVA Live Room interface, users must be able to tap a speaker to open a "Tip Drawer." This drawer must provide quick-tip buttons (e.g., 0.50, 1, 2, 5 MJA), a text field for an optional message, and an option to include a small sigil sticker with the tip. The transaction must be processed instantly with no fee taken by AWCB.

3. Merchant Integration: The system must be configured to process payments originating from the "Order 4 Me" merchant checkout feature within QELÛVVA. Furthermore, the system must provide an API or verification method that allows verified AWCB merchants to display the AWCB Threadmark Badge on their QELÛVVA profiles.

These functional requirements provide the blueprint for the application's core services, which will be brought to life through the user interface and experience specifications that follow.

4.0 User Interface (UI) and User Experience (UX) Specifications

This section defines the specific design requirements, user flow, and branding guidelines necessary to create an intuitive, coherent, and on-brand user experience that reflects the unique cultural identity of Arreqqana and AWCB.

4.1 Onboarding and Core Task User Flow

The primary user journey from initial launch to daily use will follow this prescribed sequence of screens and interactions.

1. Splash Screen:

    ◦ [Enter Threadvault] button

    ◦ Language Toggle: English | Arreqqana | Glyph

    ◦ Microline text: “NQAQHAR WA. Blaqqarr le Threadvault.”

2. Region & Time Selection:

    ◦ Regional skin selection tiles: Coastal / Desert / Mountain / Forest

    ◦ ARQ 48 Clock live widget

    ◦ [Set My Time Thread] button

3. Open Account Wizard:

    ◦ A three-step process for inputting basics, performing user verification, and making an initial deposit.

4. Success Screen:

    ◦ Animated account card graphic

    ◦ Buttons: [Add Savings Vault], [Order Debit Card], [Link QELÛVVA]

5. Order Debit Card Screen:

    ◦ Card preview with skin and name style options

    ◦ [Send My Card] button

    ◦ Delivery options must be presented with associated fees.

        ▪ Standard: 0.00 MJA

        ▪ Express: 15.00 MJA

        ▪ Note: Fees must align with the official 5.2 Fee Schedule, superseding mock-up values.

6. Link QELÛVVA Modal:

    ◦ Permission request text

    ◦ Toggles for Threadmark Badge and tip limits

    ◦ [Link Now] button

7. Tip a Speaker Drawer (in QELÛVVA context):

    ◦ Quick tip amount buttons

    ◦ Thread Gift message input field

    ◦ Sigil sticker selection

    ◦ [Tip: X.XX MJA] confirmation button

8. Save Round-ups Settings Panel:

    ◦ Round up purchases toggle

    ◦ Rounding rule radio buttons

    ◦ Destination account selector

    ◦ [Turn On Spark Saver] button

9. Home Dashboard:

    ◦ Tile 1: Balance & Recent Activity

    ◦ Tile 2: Vault Progress Ring

    ◦ Tile 3: Community Impact (RC)

4.2 Branding and Visual Identity

The application's visual design must strictly adhere to the AWCB brand specifications to ensure consistency and reinforce trust.

• Primary Mark: The core brand asset is the "Threadvault Sigil," composed of a Braided Ring surrounding a Vault Flame.

• Color System: The application will use a primary color palette and support multiple regional skins.

Palette Type	Colors
Primary	Violet & Silver
Coastal Skin	Aqua & Pearl
Desert Skin	Gold & Sand-white
Mountain Skin	Slate & Ice-white
Forest Skin	Deep Green & Moon-silver

• Application Icon: The mobile application icon must use the "Badge lockup" format, featuring the Threadvault Sigil alone.

• Clear Space & Sizing: A mandatory clear space of 0.20R (where R is the radius of the sigil) must be maintained around the sigil in all UI layouts. The minimum digital size for the sigil is 24px. If smaller, the Simplified Mark (single ring + flame, no braid interlace) must be used.

• Forbidden Treatments: To maintain brand integrity, the following treatments are strictly prohibited:

    ◦ No drop shadows on the braided ring.

    ◦ No gradients applied to the ring or flame.

    ◦ No stretching, skewing, or unprescribed rotation of the mark.

    ◦ No adding extra elements inside the ring.

Adherence to these visual and user flow guidelines is critical for creating a user experience that is both functional and emotionally resonant with the AWCB brand, leading into the financial rules that govern the product.

5.0 Financial Accounts and Fee Structure

It is critical that the application's backend correctly implements the bank's unique account types and its transparent, "no predatory spiral" fee structure. All financial operations are conducted in the base currency, MJA.

5.1 Account Types

The application must support the creation and management of the following personal and savings accounts.

Account Name	Account Type	Key Features
Threadline Checking	Personal Checking	Digital statements, bill pay, merchant tap-pay, fast transfers.
Household Thread	Shared Checking	Shared budgets for up to 5 co-holders with shared financial goals.
Festival Pouch	Timed Savings	A "lockbox" account where funds are locked until a user-selected festival date.
Flame Vault Savings	Personal Savings	Standard savings account with a "Glow Bonus" for consistent monthly deposits.
Child Spark Vault	Youth Savings	Youth savings account with optional guardian view and a strict no-overdraft policy.
Temple Tithe Vault	Automated Giving	Optional account for automated tithing to temple programs with a transparent ledger.

5.2 Fee Schedule

The application must display and enforce the official AWCB fee schedule with complete transparency.

Account Fees

Account	Monthly Fee (MJA)	Notes
Threadline Checking	0.00	No minimum balance requirement.
Household Thread	1.50	Covers up to 5 co-holders.
Festival Pouch	0.50
Festival Pouch (Early Unlock Fee)	0.75	Conditional fee for accessing funds before selected date.

Card & ATM Fees

Item	Fee (MJA)
Replacement card	5.00
Expedited replacement	15.00
Out-of-network ATM withdrawal	2.50

Overdraft & Late Fees

As per the "No Predatory Spiral" principle, the application must enforce the following rules:

• Overdraft Fee: 0.00 MJA. The system will decline transactions by default.

• Bridge Cushion (Optional): Users may opt-in to a buffer service for a 2.00 MJA monthly fee, which covers overdrafts up to 25.00 MJA.

• Late Payment Fee (Loans): Capped at a maximum of 5.00 MJA, with hardship plans available.

These financial structures form the foundation of the product, supported by the critical non-functional requirements that ensure system-wide quality.

6.0 Non-Functional Requirements

This section outlines system-wide requirements that are critical for performance, usability, accessibility, and security.

• Localization: The application must be architected to support multiple regional skins (Coastal, Desert, Mountain, Forest) that alter the UI color palette. It must also fully support three distinct languages for all user-facing text: English, Arreqqana, and Glyph Mode.

• Temporal System: All date and time-based scheduling features, including Bill Pay and the Festival Pouch lock date, must provide the "48-Qhiya Scheduler" as a user-selectable option for setting timepoints, in addition to standard calendar systems.

• Accessibility: The UI design must adhere to the contrast rules specified in the AWCB Logo Spec. All color combinations used in themes and skins must be tested to ensure legibility for text and icons on various backgrounds.

• Security: The system must enforce a mandatory "cooling-off" day for any large personal loans initiated through the application, preventing users from finalizing the loan agreement until the period has passed.

7.0 Glossary of Terms

This glossary defines key in-world and brand-specific terms to ensure conceptual alignment and consistency across the development, design, and marketing teams.

Term	Definition
AWCB	Arreqqana World Community Bank, the community-owned cooperative bank.
Threadvault	The nickname for AWCB and the name of its mobile application.
MJA	The primary unit of currency used by AWCB.
DAH	The sub-unit (coin) of currency; 100 DAH = 1 MJA.
QELÛVVA	A social live-audio platform that integrates with the Threadvault app for tips and merchant payments.
48-Qhiya	An alternative timekeeping system in Arreqqana, available as a scheduling option in the app.
Resonance Credits (RC)	A non-monetary, tracked reward for verified civic actions, redeemable for perks.
Threadkeeper	The official job title for a bank teller at an AWCB branch.
Weave Guide	The official job title for a loan officer at AWCB.
Vault Steward	The official job title for a branch manager at AWCB.
Clear-Eye	The official job title for an auditor at AWCB.