money-os

PRD: M1 Foundation and Control Plane

Problem

The product cannot earn trust without a shared data model, explicit controls, and strong contributor discipline. Shipping user-facing features before these foundations would create a brittle fintech codebase.

Objective

Create the platform baseline for schemas, controls, observability, CI, and architectural decision-making.

Success criteria

Scope

Out of scope

Requirements

Risks

Delivery notes

Ship the minimum architecture that preserves safety and scaling headroom. Avoid speculative service sprawl.