Esta semana auto · scripts/weekly_client_refresh.py
Current state 2026-04-28
Active workstreams
| 1 · Companion app | Personal-finance app for AFI clients. SA proposal v1 drafted — see "Proposals" below. Pre-engagement; nothing built. |
|---|---|
| 2 · Acquisition + onboarding flow | Out-of-scope for proposal v1 (deferred to Phase 4 add-on). To be re-scoped after app build commits. |
| 3 · Site diagnostic | DELIVERED 2026-04-27 — full report at Spark Automations/Clients/Arquitectura Financiera Integral/diagnostico/2026-04-27-site-review.md. Headline: result-screen CTA is dead button (primary conversion leak), PWA broken, SEO floor absent. Implement-vs-handoff still open per decisions §7. |
Proposals v1 + comparison
| 2026-04-28 | Document | Status | One-liner |
|---|---|---|---|
| Spark Automations v1 | afi-proposal.html | drafted v2 | $1,500 USD friend rate · 12 work-weeks across Q3 2026 · solo Pablo (LLM-augmented) · PWA + Supabase + Vercel + Belvo. V1 below Ley Fintech ITF/IFPE line. Code in AFI's GitHub from week 1. 60 days post-launch support included. 11 sections + 4 appendices. v1 was built against a $90k figure Gemini hallucinated from the dev quote — fully retracted; v2 reflects the real $2k baseline + friend pricing intent. |
| Third-party dev quote | Propuesta.pdf (Drive) · local copy | received | $2,000 USD · 10 weeks · solo (Gabriel Lazo, La Rioja, Argentina) · React Native + Expo + Supabase. Modules: Smart Dashboard, Plan de Vida, Investment Simulator (S&P/CETES), Debt Restructuring, 6-month reports. No Belvo (manual entry implied), no Ley Fintech analysis, no CONDUSEF / LFPDPPP framing. |
Side-by-side comparison lives inside the SA proposal as Appendix D. Local PDF copy of the dev quote is pending — Drive sharing currently restricted on Spark's service-account side; Pablo to drop into Spark Automations/Clients/Arquitectura Financiera Integral/proposals/ manually OR Spark extends Cloud Run with a Drive-download endpoint.
Regulatory posture V1 stays below the Ley Fintech line
The dev quote excludes all CNBV / CONDUSEF / Ley Fintech work. SA's proposal scopes V1 deliberately below the regulatory line and names which features WOULD cross it (so V1.5 conversations are honest). Tier 2 — verified against Ley Fintech (Ley para Regular las Instituciones de Tecnología Financiera, 2018). Final clearance is AFI counsel's call.
| Framework | V1 posture |
|---|---|
| LFPDPPP (data protection) | Aviso de privacidad template included (proposal Appendix C). Data export + deletion endpoints. Counsel review before publication. |
| Ley Fintech / CNBV (ITF/IFPE) | V1 is read-only Belvo + dashboard + check-in. No money movement, no wallet, no SPEI, no e-money. AFI remains an unregulated educational + advisory entity. |
| CONDUSEF | Disclaimer language for "AFI is not a regulated financial institution; this app provides educational visualization, not financial advice in the regulated sense." UNE designation flagged as future requirement if asset thresholds ever crossed. |
Decisions waiting on Pablo before send
Pricing posture
open
Equity / partnership conversation
open
AFI methodology indicators
open
Send proposal to Marianita + Violeta
awaiting Pablo
Site diagnostic — implement vs hand off
open
Commercial SA-direct
Routing
locked
Payment vehicle
interim
Diego intro
pending
SAT regime / corporate org
deferred
Timeline if proposal is accepted 12 weeks from Jun 16
| Phase | Window | Outcome | Demo gate |
|---|---|---|---|
| 0 — Setup | May 5 → Jun 15 | Contract + 40% wire ($36k); accounts (Belvo sandbox, Vercel, Supabase, Apple/Play); AFI methodology v1 content drafted; GitHub repo bootstrapped in AFI's org | Kickoff call |
| 1 — Design + Belvo proto | Jun 16 → Jul 6 | End-to-end Belvo connection in sandbox; UI shell w/ all 8 user-story screens at low fidelity; AFI dashboard wired to mock data | Belvo demo |
| 2 — MVP build | Jul 7 → Aug 17 | All 8 user stories live against live Belvo sandbox; coach view; push notifications; RLS audit passed | Functional MVP demo |
| 3 — UAT + bug fix | Aug 18 → Aug 31 | 10–20 AFI client beta users on production; counsel review of LFPDPPP aviso; CONDUSEF disclaimer locked | Beta sign-off |
| 4 — Launch + handover | Sep 1 → Sep 8 | Production launch; 3-hr AFI team training; full doc handover; 30-day warranty starts | Launch |
Why Jun 16: Pablo's RUBISCO2 hotels demo is Jun 9. Starting AFI earlier would split attention. Stated upfront in §7 of the proposal.
Files on disk
| Path | What's there |
|---|---|
Spark Automations/Clients/Arquitectura Financiera Integral/CLAUDE.md | Client charter — founders, business, role, commercial, open tasks, hard rules |
Clients/Arquitectura Financiera Integral/meetings/ | Meeting notes, dated YYYY-MM-DD-<topic>.md |
Clients/Arquitectura Financiera Integral/diagnostico/ | Site diagnostic deliverables. Latest: 2026-04-27-site-review.md |
Clients/Arquitectura Financiera Integral/proposals/ | Proposals + 3rd-party quotes for comparison. (Dev quote PDF pending local copy.) |
Spark Automations/Internal/clients/afi-proposal.html | SA proposal v1 (this site, behind Cloudflare Worker auth) |
Spark Automations/Internal/clients/afi.html | This page (internal status, Pablo-facing) |
Spark Automations/Internal/clients/afi-portal.html | Marianita-facing client portal |
Hard rules never violate
SA-direct routing
hard rule
No internal cost surfacing in client docs
hard rule
Site diagnostic must be Pablo-triggered
hard rule
Proposals never sent without Pablo's "send it"
hard rule