Josephrp
diff --git a/‎.env.example‎
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diff --git a/‎README.md‎
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diff --git a/‎alembic/versions/1245cc8cc703_merge_deal_and_internal_signature_heads.py‎
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diff --git a/‎alembic/versions/2345bc8cc704_add_document_model_enhancements.py‎
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diff --git a/‎alembic/versions/3456cd9dd805_add_kyc_models.py‎
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@@ -230,16 +230,32 @@ FILING_CHAIN_MAX_RETRIES=3
 SIGNATURE_CHAIN_MAX_RETRIES=3
 
 # =============================================================================
-# DigiSigner API Configuration (for Digital Signatures)
+# Plaid / Banking (Trading Phase 1)
 # =============================================================================
-# DigiSigner API key (get from https://www.digisigner.com/)
-# Required for digital signature functionality
-DIGISIGNER_API_KEY=
-# DigiSigner API base URL (default: https://api.digisigner.com/v1)
-DIGISIGNER_BASE_URL=https://api.digisigner.com/v1
-# Webhook secret for verifying DigiSigner webhook signatures
-# Optional but recommended for production
-DIGISIGNER_WEBHOOK_SECRET=
+# Enable Plaid bank linking (accounts, balances, and transactions) for trading/portfolio views.
+# When enabled and correctly configured, the backend exposes:
+#   - /api/banking/status, /link-token, /connect, /accounts, /balances, /transactions, /disconnect
+# and the frontend `LinkAccounts` app uses `react-plaid-link` to open Plaid Link.
+# No Plaid secrets are stored in the client; everything flows through these APIs.
+PLAID_ENABLED=false
+
+# Plaid API credentials — obtain from the Plaid dashboard.
+# For development, use a sandbox or development client ID/secret.
+PLAID_CLIENT_ID=
+PLAID_SECRET=
+
+# Plaid environment: sandbox, development, or production.
+# This controls which Plaid API host is used by `app.services.plaid_service`.
+PLAID_ENV=sandbox
+
+# Brokerage funding: link bank (Auth product → processor token → Alpaca ACH), fund (INCOMING), withdraw (OUTGOING).
+# Requires PLAID_* above and ALPACA_BROKER_* below. See docs/guides/brokerage-funding.md.
+
+# Plaid Transfer API (instant interbank: RTP when eligible, else ACH). Requires Transfer product enabled in Plaid dashboard.
+# Reuses PLAID_CLIENT_ID and PLAID_SECRET from above; no separate Transfer credentials.
+PLAID_TRANSFER_ENABLED=false
+# Origination account ID from Plaid (for debits). Required when PLAID_TRANSFER_ENABLED=true.
+PLAID_TRANSFER_ORIGINATION_ACCOUNT_ID=
 
 # =============================================================================
 # Companies House API Configuration (for UK Regulatory Filings)
@@ -255,11 +271,39 @@ COMPANIES_HOUSE_API_KEY=
 # See docs/guides/alpaca-trading-setup.md
 # Trading: place/cancel orders, portfolio, market data in Trading Dashboard.
 # Historical bars: when ALPACA_DATA_ENABLED=true, used for stock prediction and backtest; else yahooquery.
+# Note: For multiuser brokerage use ALPACA_BROKER_* below; Trading API vars are for data/backtest only.
 ALPACA_BASE_URL=https://paper-api.alpaca.markets
 ALPACA_API_KEY=
 ALPACA_API_SECRET=
 ALPACA_DATA_ENABLED=false
 
+# =============================================================================
+# Alpaca Broker API (multiuser brokerage)
+# =============================================================================
+# Each user gets an Alpaca customer account; orders are placed per account.
+# Sandbox: https://broker-api.sandbox.alpaca.markets | Live: https://broker-api.alpaca.markets
+ALPACA_BROKER_BASE_URL=https://broker-api.sandbox.alpaca.markets
+ALPACA_BROKER_API_KEY=
+ALPACA_BROKER_API_SECRET=
+ALPACA_BROKER_PAPER=true
+
+# Brokerage onboarding product and optional fee (Plaid link-for-brokerage + payment)
+BROKERAGE_ONBOARDING_PRODUCT_ID=brokerage_onboarding
+BROKERAGE_ONBOARDING_FEE_ENABLED=false
+BROKERAGE_ONBOARDING_FEE_AMOUNT=0.00
+BROKERAGE_ONBOARDING_FEE_CURRENCY=USD
+
+# Optional: max single transfer amount for brokerage fund/withdraw (e.g. 25000.00). Leave empty for no limit.
+BROKERAGE_MAX_SINGLE_TRANSFER=
+
+# =============================================================================
+# Unified funding (credit top-up, Fund Polymarket, Alpaca via x402)
+# =============================================================================
+# POST /api/funding/request, POST /api/credits/top-up use the payment router (x402 + optional RevenueCat).
+# Required: X402_ENABLED and X402_* (see Payment & x402 section below) for MetaMask/facilitator payments.
+# Optional: REVENUECAT_ENABLED and REVENUECAT_* for "Add credits" / credit top-up via RevenueCat.
+# No additional env vars; funding types: credit_top_up, polymarket_funding, alpaca_funding.
+
 # =============================================================================
 # Stock Prediction & Modal (Chronos)
 # =============================================================================
@@ -301,6 +345,12 @@ POLYMARKET_GAMMA_API_URL=https://gamma-api.polymarket.com
 POLYMARKET_DATA_API_URL=https://data-api.polymarket.com
 POLYMARKET_SURVEILLANCE_ENABLED=false
 POLYMARKET_PUBLISH_EXTERNAL=false
+# Builders Program: order attribution & relayer (obtain from polymarket.com/settings?tab=builder)
+POLY_BUILDER_API_KEY=
+POLY_BUILDER_SECRET=
+POLY_BUILDER_PASSPHRASE=
+POLYMARKET_BUILDER_SIGNING_MODE=remote
+POLYMARKET_RELAYER_URL=https://relayer-v2.polymarket.com/
 
 # =============================================================================
 # Polymarket Cross-Chain (bridge, outcome tokens)
 
@@ -27,7 +27,7 @@
 [![Green Finance](https://img.shields.io/badge/Green-Finance-green?style=flat-square)](https://tonic-ai.mintlify.app/features/green-finance)
 [![Join us on Discord](https://img.shields.io/discord/1109943800132010065?label=Discord&logo=discord&style=flat-square)](https://discord.gg/qdfnvSPcqP) 
 
-CreditNexus is a next-generation financial operating system that bridges the gap between **Sustainabiity-Linked Loans (Legal Contracts)** and **Physical Reality (Satellite Data)**. It uses AI agents to extract covenants from PDF agreements and orchestrates "Ground Truth" verification using geospatial deep learning.
+CreditNexus is a next-generation financial operating system that bridges the gap between **Sustainabiity-Linked Loans (Legal Contracts)** and **Physical Reality (Satellite Data)**. It uses AI agents to extract covenants from PDF agreements and orchestrates "Ground Truth" verification using geospatial deep learning. **Multiuser trading brokerage** is supported via the Alpaca Broker API (one Alpaca customer account per user), with optional Plaid bank linking and onboarding fees.
 
 > 📚 **[Full Documentation](https://tonic-ai.mintlify.app)** | 🏢 **[Company Site](https://josephrp.github.io/creditnexus)** | 🎥 **[Demo Video](https://www.youtube.com/watch?v=jg25So46Wks)**
 
 
@@ -0,0 +1,28 @@
+"""merge deal and internal signature heads
+
+Revision ID: 1245cc8cc703
+Revises: 7d47d1a7fd1b, cafedeadbeef
+Create Date: 2026-01-28 11:19:05.845874
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision: str = '1245cc8cc703'
+down_revision: Union[str, Sequence[str], None] = ('7d47d1a7fd1b', 'cafedeadbeef')
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    """Upgrade schema."""
+    pass
+
+
+def downgrade() -> None:
+    """Downgrade schema."""
+    pass
@@ -0,0 +1,54 @@
+"""add document model enhancements
+
+Revision ID: 2345bc8cc704
+Revises: 1245cc8cc703
+Create Date: 2026-01-28 14:30:00.000000
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+from sqlalchemy.dialects import postgresql
+
+# revision identifiers, used by Alembic.
+revision: str = '2345bc8cc704'
+down_revision: Union[str, Sequence[str], None] = '1245cc8cc703'
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    """Add document model enhancement fields to documents table."""
+    op.add_column('documents', sa.Column('classification', sa.String(length=50), nullable=True))
+    op.add_column('documents', sa.Column('status', sa.String(length=50), server_default='draft', nullable=False))
+    op.add_column('documents', sa.Column('retention_policy', sa.String(length=100), nullable=True))
+    op.add_column('documents', sa.Column('retention_expires_at', sa.DateTime(), nullable=True))
+    op.add_column('documents', sa.Column('parent_document_id', sa.Integer(), nullable=True))
+    op.add_column('documents', sa.Column('compliance_status', sa.String(length=50), server_default='pending', nullable=False))
+    op.add_column('documents', sa.Column('regulatory_check_metadata', postgresql.JSONB(astext_type=sa.Text()), nullable=True))
+    
+    op.create_foreign_key('fk_documents_parent_document_id', 'documents', 'documents', ['parent_document_id'], ['id'])
+    
+    op.create_index(op.f('ix_documents_classification'), 'documents', ['classification'], unique=False)
+    op.create_index(op.f('ix_documents_status'), 'documents', ['status'], unique=False)
+    op.create_index(op.f('ix_documents_parent_document_id'), 'documents', ['parent_document_id'], unique=False)
+    op.create_index(op.f('ix_documents_compliance_status'), 'documents', ['compliance_status'], unique=False)
+
+
+def downgrade() -> None:
+    """Remove document model enhancement fields from documents table."""
+    op.drop_index(op.f('ix_documents_compliance_status'), table_name='documents')
+    op.drop_index(op.f('ix_documents_parent_document_id'), table_name='documents')
+    op.drop_index(op.f('ix_documents_status'), table_name='documents')
+    op.drop_index(op.f('ix_documents_classification'), table_name='documents')
+    
+    op.drop_constraint('fk_documents_parent_document_id', 'documents', type_='foreignkey')
+    
+    op.drop_column('documents', 'regulatory_check_metadata')
+    op.drop_column('documents', 'compliance_status')
+    op.drop_column('documents', 'parent_document_id')
+    op.drop_column('documents', 'retention_expires_at')
+    op.drop_column('documents', 'retention_policy')
+    op.drop_column('documents', 'status')
+    op.drop_column('documents', 'classification')
@@ -0,0 +1,103 @@
+"""add kyc models
+
+Revision ID: 3456cd9dd805
+Revises: 2345bc8cc704
+Create Date: 2026-01-28 14:40:00.000000
+
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+from sqlalchemy.dialects import postgresql
+
+# revision identifiers, used by Alembic.
+revision: str = '3456cd9dd805'
+down_revision: Union[str, Sequence[str], None] = '2345bc8cc704'
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    """Add KYC verification, user licenses, and KYC documents tables."""
+    # Create kyc_verifications table
+    op.create_table('kyc_verifications',
+        sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+        sa.Column('user_id', sa.Integer(), nullable=False),
+        sa.Column('kyc_status', sa.String(length=50), nullable=False),
+        sa.Column('kyc_level', sa.String(length=50), nullable=False),
+        sa.Column('identity_verified', sa.Boolean(), nullable=False),
+        sa.Column('address_verified', sa.Boolean(), nullable=False),
+        sa.Column('document_verified', sa.Boolean(), nullable=False),
+        sa.Column('license_verified', sa.Boolean(), nullable=False),
+        sa.Column('sanctions_check_passed', sa.Boolean(), nullable=False),
+        sa.Column('pep_check_passed', sa.Boolean(), nullable=False),
+        sa.Column('verification_metadata', postgresql.JSONB(astext_type=sa.Text()), nullable=True),
+        sa.Column('policy_evaluation_result', postgresql.JSONB(astext_type=sa.Text()), nullable=True),
+        sa.Column('peoplehub_profile_id', sa.String(length=255), nullable=True),
+        sa.Column('submitted_at', sa.DateTime(), nullable=False),
+        sa.Column('completed_at', sa.DateTime(), nullable=True),
+        sa.Column('expires_at', sa.DateTime(), nullable=True),
+        sa.Column('reviewed_at', sa.DateTime(), nullable=True),
+        sa.Column('reviewed_by', sa.Integer(), nullable=True),
+        sa.ForeignKeyConstraint(['reviewed_by'], ['users.id'], ),
+        sa.ForeignKeyConstraint(['user_id'], ['users.id'], ondelete='CASCADE'),
+        sa.PrimaryKeyConstraint('id'),
+        sa.UniqueConstraint('user_id')
+    )
+    op.create_index(op.f('ix_kyc_verifications_kyc_status'), 'kyc_verifications', ['kyc_status'], unique=False)
+
+    # Create kyc_documents table
+    op.create_table('kyc_documents',
+        sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+        sa.Column('user_id', sa.Integer(), nullable=False),
+        sa.Column('kyc_verification_id', sa.Integer(), nullable=True),
+        sa.Column('document_type', sa.String(length=100), nullable=False),
+        sa.Column('document_category', sa.String(length=100), nullable=False),
+        sa.Column('document_id', sa.Integer(), nullable=False),
+        sa.Column('verification_status', sa.String(length=50), nullable=False),
+        sa.Column('extracted_data', postgresql.JSONB(astext_type=sa.Text()), nullable=True),
+        sa.Column('ocr_confidence', sa.Float(), nullable=True),
+        sa.Column('created_at', sa.DateTime(), nullable=False),
+        sa.ForeignKeyConstraint(['document_id'], ['documents.id'], ),
+        sa.ForeignKeyConstraint(['kyc_verification_id'], ['kyc_verifications.id'], ondelete='CASCADE'),
+        sa.ForeignKeyConstraint(['user_id'], ['users.id'], ondelete='CASCADE'),
+        sa.PrimaryKeyConstraint('id')
+    )
+    op.create_index(op.f('ix_kyc_documents_kyc_verification_id'), 'kyc_documents', ['kyc_verification_id'], unique=False)
+    op.create_index(op.f('ix_kyc_documents_user_id'), 'kyc_documents', ['user_id'], unique=False)
+
+    # Create user_licenses table
+    op.create_table('user_licenses',
+        sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+        sa.Column('user_id', sa.Integer(), nullable=False),
+        sa.Column('kyc_verification_id', sa.Integer(), nullable=True),
+        sa.Column('license_type', sa.String(length=100), nullable=False),
+        sa.Column('license_number', sa.String(length=255), nullable=False),
+        sa.Column('license_category', sa.String(length=50), nullable=False),
+        sa.Column('issuing_authority', sa.String(length=255), nullable=False),
+        sa.Column('issue_date', sa.Date(), nullable=True),
+        sa.Column('expiration_date', sa.Date(), nullable=True),
+        sa.Column('document_id', sa.Integer(), nullable=True),
+        sa.Column('verification_status', sa.String(length=50), nullable=False),
+        sa.Column('created_at', sa.DateTime(), nullable=False),
+        sa.Column('updated_at', sa.DateTime(), nullable=False),
+        sa.ForeignKeyConstraint(['document_id'], ['documents.id'], ),
+        sa.ForeignKeyConstraint(['kyc_verification_id'], ['kyc_verifications.id'], ondelete='CASCADE'),
+        sa.ForeignKeyConstraint(['user_id'], ['users.id'], ondelete='CASCADE'),
+        sa.PrimaryKeyConstraint('id')
+    )
+    op.create_index(op.f('ix_user_licenses_kyc_verification_id'), 'user_licenses', ['kyc_verification_id'], unique=False)
+    op.create_index(op.f('ix_user_licenses_user_id'), 'user_licenses', ['user_id'], unique=False)
+
+
+def downgrade() -> None:
+    """Remove KYC verification, user licenses, and KYC documents tables."""
+    op.drop_index(op.f('ix_user_licenses_user_id'), table_name='user_licenses')
+    op.drop_index(op.f('ix_user_licenses_kyc_verification_id'), table_name='user_licenses')
+    op.drop_table('user_licenses')
+    op.drop_index(op.f('ix_kyc_documents_user_id'), table_name='kyc_documents')
+    op.drop_index(op.f('ix_kyc_documents_kyc_verification_id'), table_name='kyc_documents')
+    op.drop_table('kyc_documents')
+    op.drop_index(op.f('ix_kyc_verifications_kyc_status'), table_name='kyc_verifications')
+    op.drop_table('kyc_verifications')