PRODUCT.md

# Product

## Register

product

## 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.