# Phase 15 Sprint Task Breakdown (App-Level Task IDs) **Date:** 2026-03-26 **Phase:** 15 - Lending, Investments, and VAS Completion **Source Checklist:** docs/phase-15-execution-checklist.md --- ## 1. Planning Assumptions - Sprint length: 2 weeks - Phase length: 3 sprints (A, B, C) - Status values: `not-started`, `in-progress`, `blocked`, `done` - Priority values: `P0` (critical path), `P1` (important), `P2` (optimization) - Every P0 task requires security/compliance evidence and operational readiness validation. --- ## 2. Task ID Scheme Format: - `P15-SA-` for Sprint A - `P15-SB-` for Sprint B - `P15-SC-` for Sprint C Track letters: - `A` Lending engine - `B` Investment integrations - `C` VAS and analytics - `D` SME wallet and IoT hooks - `E` Rewards and growth maturity - `F` Security/compliance/operations closure --- ## 3. Sprint A Tasks (Domain and Contract Foundations) ## Track A - Lending ### P15-SA-A01 - Title: Lending domain lifecycle model and storage - Apps: wallet_lending, wallet_database - Priority: P0 - Owner: Lending Team + Finance Team - Dependencies: none - Acceptance criteria: - Loan lifecycle states and transition guards defined and implemented. - Persistence schema and migration validated. - Lifecycle tests pass. - Evidence: lifecycle matrix and tests - Status: not-started ### P15-SA-A02 - Title: Origination and eligibility baseline - Apps: wallet_lending, wallet_risk, wallet_compliance - Priority: P0 - Owner: Lending Team + Compliance Team - Dependencies: P15-SA-A01 - Acceptance criteria: - Loan application intake and eligibility checks operational. - Decision trace entries captured. - Workflow tests pass. - Evidence: workflow and trace report - Status: not-started ## Track B - Investments ### P15-SA-B01 - Title: Investment adapter contract baseline - Apps: wallet_investments, wallet_integrations, wallet_api_contracts - Priority: P0 - Owner: Investment Team + Integrations Team - Dependencies: none - Acceptance criteria: - Buy/sell/status adapter contracts defined and versioned. - Provider mapping and error semantics documented. - Contract tests pass. - Evidence: adapter contract report - Status: not-started ### P15-SA-B02 - Title: Investment order orchestration baseline - Apps: wallet_investments - Priority: P1 - Owner: Investment Team - Dependencies: P15-SA-B01 - Acceptance criteria: - Order lifecycle states and retry/failure paths implemented. - Idempotency behavior verified. - Evidence: lifecycle and idempotency tests - Status: not-started ## Track C - VAS and Analytics ### P15-SA-C01 - Title: Goal-savings and micro-savings domain baseline - Apps: wallet_vas, wallet_ledger - Priority: P0 - Owner: VAS Team + Product Team - Dependencies: none - Acceptance criteria: - Savings goal creation and contribution lifecycle supported. - Micro-saving trigger model implemented. - Balance integrity tests pass. - Evidence: feature and integrity tests - Status: not-started ### P15-SA-C02 - Title: Expense categorization and budgeting model baseline - Apps: wallet_vas, wallet_reporting - Priority: P1 - Owner: VAS Team + Analytics Team - Dependencies: none - Acceptance criteria: - Category taxonomy and budget threshold model implemented. - Basic categorization and budget alert rules available. - Evidence: model validation tests - Status: not-started ## Track D - SME and IoT ### P15-SA-D01 - Title: SME sub-wallet schema and policy baseline - Apps: wallet_accounts, wallet_vas, wallet_database - Priority: P0 - Owner: Accounts Team + VAS Team - Dependencies: none - Acceptance criteria: - Parent/sub-wallet relationship and controls implemented. - Ownership and limit policy checks enforced. - Schema and policy tests pass. - Evidence: schema and policy report - Status: not-started ## Track E - Rewards Growth ### P15-SA-E01 - Title: Referral tracking model and attribution rules - Apps: wallet_rewards, wallet_database - Priority: P1 - Owner: Rewards Team + Product Team - Dependencies: none - Acceptance criteria: - Referral lifecycle and attribution rules implemented. - Anti-fraud checks baseline in place. - Attribution tests pass. - Evidence: referral report - Status: not-started ## Track F - Cross-Cutting ### P15-SA-F01 - Title: Phase 15 security and contract baseline - Apps: wallet_auth, wallet_api_contracts - Priority: P1 - Owner: Security Team + Platform Team - Dependencies: P15-SA-A01, P15-SA-B01, P15-SA-C01, P15-SA-D01 - Acceptance criteria: - Privileged actions mapped and protected in policy matrix. - API envelope/idempotency conformance tests pass for new endpoints. - Evidence: conformance report - Status: not-started --- ## 4. Sprint B Tasks (Core Capability Completion) ## Track A - Lending ### P15-SB-A01 - Title: Disbursement and repayment schedule orchestration - Apps: wallet_lending, wallet_ledger, wallet_settlement - Priority: P0 - Owner: Lending Team + Ledger Team - Dependencies: P15-SA-A02 - Acceptance criteria: - Loan disbursement posting and repayment schedules operational. - Delinquency and missed-payment handling baseline implemented. - Integrity tests pass. - Evidence: posting and schedule report - Status: not-started ### P15-SB-A02 - Title: Salary advance and BNPL product workflows - Apps: wallet_lending, wallet_limits_fees, wallet_risk - Priority: P0 - Owner: Lending Team + Product Team - Dependencies: P15-SB-A01 - Acceptance criteria: - Salary advance and BNPL workflows available with product-specific constraints. - Risk/limit checks enforced. - Product scenario tests pass. - Evidence: scenario and policy report - Status: not-started ## Track B - Investments ### P15-SB-B01 - Title: Investment buy/sell flow implementation - Apps: wallet_investments, wallet_integrations - Priority: P0 - Owner: Investment Team + Integrations Team - Dependencies: P15-SA-B02 - Acceptance criteria: - Buy and sell order flows complete with error handling. - Provider callback ingestion and status updates validated. - End-to-end tests pass. - Evidence: investment E2E report - Status: not-started ### P15-SB-B02 - Title: Holdings and history customer views - Apps: wallet_web, wallet_investments - Priority: P1 - Owner: Wallet Web Team + Investment Team - Dependencies: P15-SB-B01 - Acceptance criteria: - Holdings summary and order history rendered accurately. - Data consistency checks pass. - Evidence: UI and consistency report - Status: not-started ## Track C - VAS and Analytics ### P15-SB-C01 - Title: Personal finance insights and trend analytics - Apps: wallet_vas, wallet_reporting - Priority: P1 - Owner: Analytics Team + VAS Team - Dependencies: P15-SA-C02 - Acceptance criteria: - Insight metrics and trend summaries generated. - Quality checks and explainability notes available. - Evidence: analytics quality report - Status: not-started ### P15-SB-C02 - Title: Micro-insurance premium collection hooks - Apps: wallet_vas, wallet_integrations, wallet_notifications - Priority: P1 - Owner: VAS Team + Integrations Team - Dependencies: P15-SA-C01 - Acceptance criteria: - Premium collection initiation and status tracking implemented. - Failure and retry flows validated. - Evidence: integration flow report - Status: not-started ## Track D - SME and IoT ### P15-SB-D01 - Title: SME wallet operations UX and controls - Apps: wallet_web, wallet_accounts, wallet_vas - Priority: P0 - Owner: Wallet Web Team + Accounts Team - Dependencies: P15-SA-D01 - Acceptance criteria: - SME can create/manage sub-wallets with permissioned controls. - Spending limits and approval flows validated. - Evidence: operations workflow report - Status: not-started ### P15-SB-D02 - Title: IoT linking hook baseline - Apps: wallet_integrations, wallet_auth, wallet_vas - Priority: P1 - Owner: Integrations Team + Security Team - Dependencies: P15-SA-D01 - Acceptance criteria: - Device linking and unlinking hooks implemented with policy checks. - Security tests pass. - Evidence: device security report - Status: not-started ## Track E - Rewards Growth ### P15-SB-E01 - Title: Campaign segmentation and targeting engine baseline - Apps: wallet_rewards, wallet_reporting - Priority: P1 - Owner: Rewards Team + Analytics Team - Dependencies: P15-SA-E01 - Acceptance criteria: - Segment definitions and targeting rules operational. - Campaign activation controls validated. - Evidence: targeting report - Status: not-started ### P15-SB-E02 - Title: Rule-driven loyalty earn engine - Apps: wallet_rewards, wallet_limits_fees - Priority: P0 - Owner: Rewards Team + Limits/Fees Team - Dependencies: P15-SA-E01 - Acceptance criteria: - Earning rules configurable by transaction attributes. - Earn outcomes are deterministic and auditable. - Correctness tests pass. - Evidence: earn-engine test report - Status: not-started --- ## 5. Sprint C Tasks (Hardening and Final Closure) ## Track A/B/C/D/E Completion ### P15-SC-A01 - Title: Lending E2E closure and risk/compliance validation - Apps: wallet_lending, wallet_risk, wallet_compliance, wallet_web - Priority: P0 - Owner: Lending Team + Compliance Team - Dependencies: P15-SB-A02 - Acceptance criteria: - Origination through repayment flows validated end-to-end. - Risk/compliance traces complete. - Evidence: lending E2E report - Status: not-started ### P15-SC-B01 - Title: Investments E2E closure and reliability hardening - Apps: wallet_investments, wallet_integrations, wallet_web - Priority: P0 - Owner: Investment Team + Integrations Team - Dependencies: P15-SB-B01, P15-SB-B02 - Acceptance criteria: - Buy/sell/order status and holdings flows pass E2E tests. - Reliability and exception handling validated. - Evidence: investment E2E report - Status: not-started ### P15-SC-C01 - Title: VAS feature E2E closure and analytics quality sign-off - Apps: wallet_vas, wallet_reporting, wallet_web - Priority: P1 - Owner: VAS Team + Analytics Team - Dependencies: P15-SB-C01, P15-SB-C02 - Acceptance criteria: - Savings, budgeting, categorization, insights flows validated. - Analytics quality acceptance criteria met. - Evidence: VAS E2E and quality report - Status: not-started ### P15-SC-D01 - Title: SME and IoT capability E2E closure - Apps: wallet_accounts, wallet_vas, wallet_integrations, wallet_web - Priority: P1 - Owner: Accounts Team + Integrations Team - Dependencies: P15-SB-D01, P15-SB-D02 - Acceptance criteria: - Sub-wallet operations and IoT hooks validated with security controls. - Audit traces complete. - Evidence: SME/IoT E2E report - Status: not-started ### P15-SC-E01 - Title: Rewards growth E2E and observability closure - Apps: wallet_rewards, wallet_observability, wallet_web - Priority: P0 - Owner: Rewards Team + Observability Team - Dependencies: P15-SB-E01, P15-SB-E02 - Acceptance criteria: - Referral, segmentation, and earn-rule flows validated. - Reward balance impacts are fully traceable. - Evidence: rewards E2E and traceability report - Status: not-started ## Track F - Final Program Closure ### P15-SC-F01 - Title: Security/compliance/data governance final closure - Apps: wallet_auth, wallet_compliance, wallet_database - Priority: P1 - Owner: Security Team + Compliance Team - Dependencies: all P15-SC P0 tasks - Acceptance criteria: - No unresolved critical security or compliance findings. - Data governance checks passed for all new entities. - Evidence: closure conformance report - Status: not-started ### P15-SC-F02 - Title: Runbooks, tabletop, and support readiness finalization - Apps: docs, wallet_production - Priority: P1 - Owner: Operations Team + SRE Team - Dependencies: P15-SC-A01, P15-SC-B01, P15-SC-E01 - Acceptance criteria: - Runbooks updated for lending/investment/VAS/SME incidents. - Tabletop exercises completed with action item closure plan. - Evidence: runbook package and tabletop report - Status: not-started ### P15-SC-F03 - Title: Final business-parity program sign-off - Apps: docs - Priority: P0 - Owner: Program Management + All Track Leads - Dependencies: P15-SC-F01, P15-SC-F02, P15-SC-A01, P15-SC-B01, P15-SC-E01 - Acceptance criteria: - All remaining requirement gaps marked closed. - Critical defects count is zero. - Final cross-functional approval package signed. - Evidence: final sign-off summary - Status: not-started --- ## 6. Critical Path 1. P15-SA-A01 -> P15-SA-A02 -> P15-SB-A01 -> P15-SB-A02 -> P15-SC-A01 2. P15-SA-B01 -> P15-SA-B02 -> P15-SB-B01 -> P15-SC-B01 3. P15-SA-D01 -> P15-SB-D01 -> P15-SC-D01 4. P15-SA-E01 -> P15-SB-E02 -> P15-SC-E01 5. P15-SC-A01 + P15-SC-B01 + P15-SC-E01 -> P15-SC-F03 --- ## 7. Completion Gates Per Sprint Sprint A gate: - Must-complete tasks: P15-SA-A01, P15-SA-A02, P15-SA-B01, P15-SA-C01, P15-SA-D01 - Tolerance: maximum 1 P1 carryover Sprint B gate: - Must-complete tasks: P15-SB-A01, P15-SB-A02, P15-SB-B01, P15-SB-D01, P15-SB-E02 - Tolerance: no P0 carryover Sprint C gate: - Must-complete tasks: P15-SC-A01, P15-SC-B01, P15-SC-E01, P15-SC-F03 - Tolerance: no open critical defects --- ## 8. Definition of Done (Phase 15) A Phase 15 task is done only when: - Implementation is complete and CI tests pass. - Security/compliance and policy controls are validated. - Audit and telemetry traces are captured for sensitive actions. - Operations runbooks are updated for new capabilities. - Tracker artifacts include owner, status, and evidence references.