PRODUCT.md

Product

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Users

Senti AI serves three distinct profiles of users:

1. Personal Users (Senti Personal): Individuals looking to manage daily spending, automate cooperative savings (Chama wealth pools, dividend calculations), structure debt paydowns, and receive empathetic budgeting support.
2. Business Owners & SMEs (Senti Business): Small and medium enterprises requiring exact invoicing, automated tax compliance (progressive PAYE, Turnover Tax, VAT), and short-term cash flow runway forecasting.
3. Institutional Administrators (Senti Pro): Risk officers, SACCO managers (e.g., Sovereign SACCO), and financial auditors who require precise credit scoring dashboards, Guarantor Network graphs, and strict SASRA risk tolerance metrics (PAR 30 <= 5.0%, PAR 90 <= 3.0%).

Product Purpose

Senti AI serves as a comprehensive, globally-scalable financial operator. It delivers financial value across four core pillars:

1. EXPLAIN: Clarifying financial concepts via bilingual Swahili/English/Sheng translation and localized education.
2. CALCULATE: Executing mathematically deterministic computations for tax bands, interest limits, and budgets.
3. MONITOR: Tracking balances, risk breaches, and anomalies continuously in real time.
4. ACT: Executing safe, compliant operations such as invoicing, automated splits, and distress routing.

Brand Personality

Senti AI has a split but cohesive brand personality tailored to its segments:

• Personal/Business (Sleek Slate & Emerald Glow): Futuristic, progressive, energetic, highly interactive, and approachable. Uses slate tones (#0e1322 / #161b2b) with vibrant green neon accents (#50fa7b).
• Institutional (Cyber Blue & Precision Steel): Formal, authoritative, mathematically precise, secure, and clean. Uses steel blue surfaces with crisp blue (#8ed5ff) and slate/indigo accents.
• 3-Word Essence: Precise, Empathetic, Futuristic.

Anti-references

• The SaaS Beige/Cream Default: Saturated beige/cream backgrounds (--paper, --sand, --bone) that make the product look like a generic, uninspiring corporate blog.
• Over-rounded Elements: Avoid comically rounded 32px+ cards and buttons; border radius is locked to segment standards (senti-personal = 16px, senti-business = 8px, senti-institutional = 4px).
• Sketchy SVG Cartoons: Amatuerish hand-drawn doodles or sketchy outline graphics. Visually clean, premium assets or nothing.
• Side-Stripe Card Borders: Outdated side accent borders (> 1px) on containers/alerts. Use solid structural boundaries instead.
• Loud Typography / Gradient Text: Excessively loud headers (> 6rem) or gradient background-clip: text that degrades readability.

Design Principles

1. Mathematical Integrity Over Chat Illusion: Visual layouts must treat numbers with clinical authority. Mathematical and regulatory calculations (FEE) are absolute truths; dynamic model prose is secondary.
2. Seamless Bilingual Rhythm: Design for code-switching. Support Swahili, Sheng, and English terms naturally in lists, graphs, and tooltips without awkward layout wrap shifts.
3. Strict Tenancy & Domain Isolation: Guarantee visual cues and spatial boundaries showing which profile or active domain (law, risk, credit, tax) is currently active.
4. Fiduciary Empathy Gates: Interface elements must dynamically respond to distress signals (e.g., debt drowning) with quiet, calm assistance and direct helpline connections.

Accessibility & Inclusion

• Contrast Ratios: Strictly maintain >= 4.5:1 contrast for all text surfaces against their background, including placeholders.
• Reduced Motion Support: Apply @media (prefers-reduced-motion: reduce) across all transition and keyframe animations.
• Clean Focus States: Keyboard-navigable focus states that are highly visible.