repo redirection

AGENTS.md

@@ -8,12 +8,13 @@ The startup thesis is a B2B2C fintech platform that processes or reconciles cust
 
 ## Current strategic thesis
 
-- Start in Brazil.
-- Lead with `Pix`-based instant access to earned commissions.
+- Keep the core product geography-agnostic.
 - Use a regulated financial partner for custody, payouts, card issuance, and compliance.
+- Lead with fast access to earned commissions over the relevant local payout rail.
 - Treat cards and stored balances as later retention tools, not the initial wedge.
 - Treat advances as a later employer-backed feature, not the first product.
 - Build employer analytics from payment-linked data.
+- Keep market-specific assumptions in `docs/countries/`.
 
 ## What this company is
 
@@ -36,21 +37,19 @@ The startup thesis is a B2B2C fintech platform that processes or reconciles cust
 ## Key documents
 
 - `docs/core-idea.md` - canonical summary of the product and business model
-- `docs/brazil-market.md` - Brazil-specific thesis and go-to-market notes in pt-BR
 - `docs/market-memo.md` - competitor map, differentiation, and investor-style memo
 - `docs/positioning-and-landing-copy.md` - messaging and homepage copy directions
 - `docs/year-one-roadmap.md` - phased roadmap for the first year
+- `docs/prototype-plan.md` - prototype scope, flows, and build sequence
 - `docs/ideas-for-review.md` - review file for ideas not yet integrated into the core docs
+- `docs/countries/brazil.md` - Brazil-specific thesis and go-to-market notes in pt-BR
+- `docs/countries/switzerland.md` - Switzerland-specific thesis and go-to-market notes
 
 ## Language conventions
 
 - Write in English by default.
-- Keep `docs/brazil-market.md` in pt-BR.
-- Keep fintech terminology consistent: `Pix`, `commission ledger`, `earned commission access`, `employer-backed advance`, `stored balance`.
-
-## Transcripts
-
-- Transcripts of previous sessions are available under the sessions/ subdir, in case extra context is necessary.
+- Country-specific docs may use local language where helpful.
+- Keep fintech terminology consistent: `commission ledger`, `earned commission access`, `employer-backed advance`, `stored balance`, `instant payout rail`.
 
 ## Product assumptions to preserve
 
@@ -59,6 +58,7 @@ The startup thesis is a B2B2C fintech platform that processes or reconciles cust
 - The payment event is the source of truth for commission creation whenever possible.
 - The employer buyer needs controls, auditability, and analytics, not just a payout rail.
 - The employee experience matters because faster access and later card usage can improve retention and platform utility.
+- Country-specific differences should be layered on top of the same core ledger and workflow model.
 
 ## Reference competitors and adjacent players
 
@@ -69,22 +69,21 @@ Use this current market framing unless new evidence clearly changes it:
 - `PayQuicker`
 - `Hyperwallet`
 - `CaptivateIQ`
-- `Caju`
-- `Dock`
 
-These companies validate parts of the stack, but the current thesis is that few combine payment-linked commissions, worker liquidity, employer controls, and Brazil-native rails into one product.
+Country-specific employer-finance apps, PSPs, BaaS providers, and issuers should be documented in the relevant country notes rather than the core docs.
 
 ## Prioritization guidance for future agents
 
-- Prioritize docs and plans that sharpen the Brazil-first wedge.
+- Prioritize docs and plans that sharpen the geography-agnostic core product.
+- Keep country-level launch assumptions, partners, and regulation in `docs/countries/`.
 - Keep the distinction between `earned access` and `credit` very clear.
 - Prefer practical operator language over generic fintech buzzwords.
 - If you extend product plans, sequence features conservatively: ledger and instant payouts first, analytics and stored balance second, cards third, employer-backed advances later.
 
 ## Open areas worth exploring later
 
-- deeper regulatory mapping for Brazil launch structure
-- partner comparison across BaaS, payment processors, and card issuers
+- deeper regulatory mapping for Brazil, Switzerland, and future launch structures
+- partner comparison across local banking, payment processing, and card issuance stacks
 - pricing design for employers versus workers
 - reserve rules for refunds, disputes, and chargebacks
 - target vertical selection and design-partner outreach strategy