CLAUDE.md

This file provides guidance to Claude Code (claude.ai/code) when working with code in this repository.

Project Overview

crisp-start-bloom is an Australian financial management and tax compliance platform built for production deployment via autonomous AI development.

Frontend: React 18 + TypeScript + Vite + TailwindCSS + shadcn/ui
Backend: Supabase (PostgreSQL + 60+ Edge Functions)
Current State: ~65% complete, undergoing 30-hour autonomous AI workflow
Architecture: 1000+ components, 80+ pages, 200+ database migrations
Key Features: ATO-compliant tax tracking, bank integration, AI assistance, compliance monitoring

This is a Lovable project supporting both IDE and web platform development.

Essential Development Commands

Development & Build

npm run dev              # Start dev server on http://[::]:8080
npm run build            # Production build
npm run build:dev        # Development mode build
npm run preview          # Preview production build
npm run lint             # Run ESLint

TypeScript Configuration

Relaxed settings for rapid development:

noImplicitAny: false

strictNullChecks: false

noUnusedLocals: false

noUnusedParameters: false

Path alias:
```
@/*
```
→
```
./src/*
```

Current Architecture

Progressive Loading System (80%+ Performance Improvement)

App.tsx (minimal - 31 lines)
├── Index + Auth pages (instant load)
└── ProgressiveAppShell (lazy)
    ├── ProgressiveProviders (staged loading)
    └── LazyRouteLoader (route chunking)

Key Performance Files:

```
src/App.tsx
```
- Minimal entry (critical routes only)
```
src/App.legacy.tsx
```
- Original implementation (reference)

src/components/performance/ProgressiveAppShell.tsx

```
src/components/performance/routes/*.tsx
```
- Priority-based route bundles
```
src/utils/backgroundTaskManager.ts
```

Supabase Integration

Client:
```
src/integrations/supabase/client.ts
```
(auto-generated, don't edit)

Edge Functions: 60+ functions in

supabase/functions/*/index.ts

Tax:

personal-income-tax-calculator

gst-calculator

capital-gains-tax-calculator

Receipt:
```
gemini-receipt-ocr
```
,
```
fast-receipt-process
```

AI/ML:

ml-categorization-engine

ai-tax-advisor

enhanced-rag-search

Integrations:

basiq-integration-enhanced

xero-integration

quickbooks-integration

Security:

subscription-gate

secrets-health

audit-logger

Storage:

storage-audit

storage-monitor

cleanup-status

Feature Flags & Storage Optimization

System:

src/config/featureFlags.ts

src/hooks/useFeatureFlags.ts

Admin UI:

src/components/Admin/FeatureFlagDashboard.tsx

StorageCleanupDashboard.tsx

Achievement: 80-90% storage reduction, 95% smaller initial bundle
See
```
FEATURE_FLAG_IMPLEMENTATION.md
```
for details

30-Hour Autonomous AI Workflow

Overview

This project follows a comprehensive autonomous development plan using Claude Code 4.5 (implementation) + Google Jules (analysis/validation) to achieve production readiness.

Development Phases

Phase	Hours	Focus	Primary AI
Phase 1	0-6	Setup & Analysis	Jules
Phase 2	6-9	Banking Integration & Onboarding	Claude + Jules
Phase 3	9-12	Tax Calculation & Compliance UI	Claude + Jules
Phase 4	12-15	Expense Tracking (not detailed in plans)	Claude + Jules
Phase 5	15-18	Goals, Notifications & AI Features	Claude + Jules
Phase 6	21-30	Mobile Optimization & Production	Both

AI Collaboration Structure

File-Based Communication System

.ai-workflow/
├── HANDOFF_QUEUE.md       # Task assignments & status
├── STATUS_LOG.md          # Development progress
├── COMMUNICATION.md       # AI-to-AI messages
├── claude/
│   ├── sessions/          # Work sessions
│   ├── checkpoints/       # Code checkpoints
│   └── outputs/           # Implementation results
└── jules/
    ├── tasks/             # Task definitions
    ├── results/           # Analysis & test results
    └── reviews/           # Code review reports

Handoff Protocol

Task Completion: Update
```
STATUS_LOG.md
```
with detailed progress
Next Assignment: Update
```
HANDOFF_QUEUE.md
```
with next agent's tasks
Communication: Add summary to
```
COMMUNICATION.md
```
Trigger: File change triggers next agent activation
Validation: Receiving agent validates completeness

Phase 2: Orchestrator Setup & Repository Analysis

Google Jules Responsibilities

Repository Architecture Analysis (Hours 2-4)
- Comprehensive codebase mapping
- Feature gap analysis (existing vs. required)
- Technical architecture review
- Compliance & regulatory assessment
- Deliverables:
  - ```
  .ai-workflow/jules/phase2-analysis.md
```
- ```
.ai-workflow/jules/feature-priorities.md
```
  - ```
  .ai-workflow/jules/technical-debt.md
```
Development Cycle Planning (Hours 4-6)
- Create detailed task specs for Claude
- Define testing protocols
- Establish quality gates
- Plan UX flows for all subscription tiers
- Deliverables:
  - ```
  .ai-workflow/jules/cycle-plans/
```
- ```
.ai-workflow/jules/testing-protocols.md
```
  - ```
  .ai-workflow/jules/quality-gates.md
```

Claude Code 4.5 Responsibilities

Workflow Infrastructure Setup (Hours 2-3)
- Create
```
.ai-workflow/config/claude-config.ts
```
- Set up development templates
- Implement monitoring system (
```
DevelopmentMonitor
```
  class)
- Configure quality assurance framework
Repository Preparation (Hours 3-4)
- Analyze existing patterns
- Document coding standards (
```
.ai-workflow/claude/coding-standards.ts
```
  )
- Prepare integration interfaces
- Optimize development environment

Success Criteria

✅ File monitoring operational
✅ AI handoff protocol functional
✅ Complete feature gap analysis
✅ Quality gates established

Phase 3: Banking Integration & User Onboarding

Claude Code 4.5 Tasks (Hours 6-8.5)

1. Banking Integration Repair (Hours 6-7.5)

BASIQ API Integration:

// src/services/basiq/basiq-client.ts
export class BasiqClient {
  async createUser(userData: CreateUserRequest): Promise<BasiqUser>
  async getInstitutions(tier: SubscriptionTier): Promise<Institution[]>
  private filterInstitutionsByTier(institutions, tier): Institution[]
}

Fix user creation flow in sandbox
Implement tier-based institution filtering
Add robust error handling
Update UI for connection feedback

Xero OAuth Callback Fix:

// src/services/xero/xero-oauth.ts
export class XeroOAuthService {
  async handleCallback(code, state, userId): Promise<XeroTokens>
  async refreshTokens(userId): Promise<XeroTokens>
}

Resolve OAuth redirect URL mismatch
Verify state parameter for security
Implement token refresh mechanism

QuickBooks Integration:

// src/services/quickbooks/quickbooks-client.ts
export class QuickBooksClient {
  async initiateOAuth(userId): Promise<string>
  async handleCallback(code, realmId, state, userId): Promise<QBTokens>
}

Complete sandbox configuration
Implement authorization flow
Add data synchronization

2. Onboarding Flow (Hours 7.5-8.5)

Components:

src/components/Onboarding/OnboardingWizard.tsx

src/components/Onboarding/TierSelectionStep.tsx

src/components/BankIntegration/BankConnectionWizard.tsx

Subscription Tiers:

Individual ($9.99/mo): 4 banks, basic tracking, tax prep
ABN ($19.99/mo): GST, BAS, Xero integration
Small Business ($39.99/mo): Multi-entity, QuickBooks, team access
Enterprise (Custom): Unlimited integrations, API access

3. Connection Status Monitoring (Hours 8.5-9)

Real-time health checks
Error recovery mechanisms
User-friendly error messages
Connection health dashboard

Google Jules Validation (Hours 6-9)

1. Integration Testing (Hours 6-7)

Test Coverage:

BASIQ user creation & account connection
OAuth callback handling (Xero, QuickBooks)
Tier-based feature access
Network failure recovery
Security validation

2. UX Validation (Hours 7-8)

Onboarding flow completeness
Tier selection clarity
Mobile responsiveness
Accessibility compliance (WCAG 2.1 AA)

3. Security & Compliance Audit (Hours 8-9)

Data encryption verification
Access control testing
Australian banking regulations
Privacy Act adherence
Audit trail completeness

Deliverables

✅ Fixed BASIQ, Xero, QuickBooks integrations
✅ Tier-aware onboarding flow
✅ Connection monitoring system
✅ Comprehensive test suite
✅ Security audit report

Phase 4: Tax Calculation & Compliance UI

Claude Code 4.5 Tasks (Hours 9-11)

1. Tax Results Dashboard (Hours 9-10)

Components:

// src/components/Tax/TaxResultsDashboard.tsx
- Total income, deductions, final amount (refund/owed)
- Tax calculation progress indicator
- Tier-specific features

// src/components/Tax/IncomeBreakdownCard.tsx
- Expandable income categories
- Business income section (ABN+ tiers)

// src/components/Tax/ATOComplianceCard.tsx
- Compliance status indicators
- ATO-specific recommendations

Features:

ATO-compliant result presentation
Interactive tax breakdown
Real-time compliance checking
Mobile-responsive design

2. Business Tax Suite (Hours 10-11)

Components:

// src/components/Tax/BusinessTaxSuite.tsx
- Multi-entity selector
- Tab-based navigation (Overview, BAS, Payroll, Reports)

// src/components/Tax/BASManagementTab.tsx
- Quarterly BAS generation
- GST collected/credits calculation
- PAYG withholding
- ATO submission preparation

Features:

BAS (Business Activity Statement) generation
Multi-entity tax calculations
Professional tax reporting
Tier-gated access (ABN+ only)

3. Compliance Dashboard (Hours 11-12)

Components:

// src/components/Tax/ComplianceDashboard.tsx
- Compliance overview (compliant/warning/non-compliant)
- Upcoming deadlines tracker
- Compliance checklist
- Compliance history

Google Jules Validation (Hours 9-12)

1. Calculation Accuracy Testing (Hours 9-10)

Test Cases:

- Individual tax calculation (brackets, medicare levy, offsets)
- GST calculations for ABN holders
- BAS generation accuracy
- Multi-entity tax calculations
- Edge cases & error handling

2. UI Testing (Hours 10-11)

Dashboard clarity & usability
Mobile responsiveness
Accessibility compliance
Tier-specific feature access

3. Performance & Security (Hours 11-12)

Performance Targets:

Simple calculations: <100ms
Complex business: <500ms
BAS generation: <2s

Security Checks:

Financial data encryption
No sensitive data in logs
API endpoint security
Audit trail completeness

Deliverables

✅ Comprehensive tax results dashboard
✅ Business tax suite with BAS generation
✅ Compliance monitoring dashboard
✅ Accuracy validation report
✅ Performance & security audit

Phase 5: Goals, Notifications & AI Features

Claude Code 4.5 Tasks (Hours 15-17)

1. Financial Goals System (Hours 15-16)

Components:

// src/components/Goals/GoalsDashboard.tsx
- Goals overview (completed, on track, behind)
- Active goals with progress bars
- Goal creation/editing modals

// src/components/Goals/GoalRecommendationsEngine.tsx
- AI-powered goal suggestions
- Financial behavior analysis
- Tier-specific recommendations

Goal Types by Tier:

Individual: emergency_fund, vacation, car_purchase, debt_payoff
ABN: tax_savings, equipment_purchase, retirement
Small Business: expansion, cash_flow, equipment_upgrade
Enterprise: acquisition, dividend_distribution, R&D

2. Smart Notification System (Hours 16-17)

Engine:

// src/services/notifications/NotificationEngine.ts
export class NotificationEngine {
  async analyzeTransactions(transactions): Promise<void>
  private async detectSubscriptionChanges(): Promise<Notification[]>
  private async detectPotentialFraud(): Promise<Notification[]>
  private async checkGoalProgress(): Promise<Notification[]>
}

Notification Types:

Subscription detected/unused subscriptions
Fraud alerts (unusual spending patterns)
Goal milestones & behind-schedule warnings
Budget variance alerts

UI:

// src/components/Notifications/NotificationCenter.tsx
- Filter by all/unread/high priority
- Action buttons (contextual)
- Priority-based color coding
- Expandable details

3. Enhanced AI Chat (Hours 17-18)

Components:

// src/components/AI/EnhancedDobbieAI.tsx
- Chat modes: general, analysis, planning
- Contextual prompts
- Proactive insights
- Action buttons for quick responses

Features:

Financial advice with context
Transaction-specific queries
Spending pattern analysis
Budget planning assistance

Google Jules Validation (Hours 15-18)

1. Goals Testing (Hours 15-16)

Progress calculation accuracy
Tier-specific goal types
Recommendation engine validation
Auto-contribution testing

2. Notification Validation (Hours 16-17)

Subscription detection accuracy
Fraud detection (minimize false positives <5%)
Goal progress notifications
Delivery timing verification

3. AI Quality Assessment (Hours 17-18)

Response quality & relevance
Financial advice accuracy (ATO guidelines)
Context maintenance
Response time (<3 seconds)

Deliverables

✅ Goals tracking with smart recommendations
✅ Intelligent notification system
✅ Enhanced DobbieAI chat
✅ Fraud detection validation
✅ User experience optimization report

Phase 6: Mobile Optimization & Production Readiness

Claude Code 4.5 Tasks (Hours 21-27)

1. Mobile Interface (Hours 21-23)

Components:

// src/components/Mobile/MobileOptimizedDashboard.tsx
- Swipe gestures for tab navigation
- Bottom sheet for quick actions
- Mobile tab bar
- Touch-optimized cards

// src/components/Mobile/TouchOptimizedCard.tsx
- Long press support
- Swipe actions
- Haptic feedback

PWA Implementation:

// src/services/pwa/PWAService.ts
- Service worker registration
- Offline mode enablement
- Background sync
- Install prompt handling

2. Performance Optimization (Hours 23-25)

Monitoring:

// src/services/performance/PerformanceMonitor.ts
- Page load metrics (FCP, LCP, CLS, FID)
- API call tracking
- Image lazy loading
- Virtual scrolling for large lists

Caching:

// src/services/cache/CacheManager.ts
- Memory cache (Map-based)
- localStorage cache with expiry
- Cache invalidation patterns
- Size limits (100KB per item)

3. Production Deployment (Hours 25-27)

Configuration:

// src/config/production.ts
- API endpoints & timeouts
- Security settings (CSP, HSTS, secure cookies)
- Monitoring (error tracking, performance)
- Feature flags per tier
- Compliance settings (7-year retention)

Health Checks:

// src/services/monitoring/HealthCheck.ts
- Database connection checks
- API endpoint validation
- External integration status
- System resource monitoring

Google Jules Validation (Hours 21-30)

1. System Integration Testing (Hours 21-24)

Coverage:

End-to-end user flows (all tiers)
Business workflows (BAS, multi-entity)
Mobile experience (offline, PWA, performance)
Security & compliance audit

2. Performance Validation (Hours 24-27)

Benchmarks:

Page load times: <2s (target)
API responses: <500ms (target)
Mobile performance: FCP <1.5s, LCP <2.5s
Load testing: 100/500/1000/2000 concurrent users

3. Production Readiness (Hours 27-30)

Checklist:

Environment configuration secure
SSL/DNS/CDN setup
Monitoring & alerting active
Backup & recovery tested
Penetration testing passed

Production Launch Criteria

Technical:

✅ All core features functional across tiers
✅ Mobile experience optimized
✅ Performance benchmarks met
✅ Zero critical security issues
✅ Australian compliance satisfied

Business:

✅ Complete onboarding flows
✅ Banking integrations production-ready
✅ Tax calculations ATO-accurate
✅ AI features enhance UX
✅ "Set and forget" financial management

Operational:

✅ Monitoring systems active
✅ Backup/recovery procedures tested
✅ Support documentation complete
✅ Incident response established
✅ Scalability roadmap defined

Deliverables

✅ Mobile-optimized responsive interface
✅ PWA with offline capabilities
✅ Production-ready optimizations
✅ Security hardening complete
✅ Final integration validation

AI Workflow Setup (Cursor IDE)

Prerequisites

# Install Claude Code globally
npm install -g @anthropic-ai/claude-code@latest
claude --version   # should show 4.5

# Install Jules Tools CLI
npm install -g @google/jules
jules --help

# Export API keys
export ANTHROPIC_API_KEY="sk-..."
export GOOGLE_API_KEY="..."

Repository Setup

git clone https://github.com/clutran78/crisp-start-bloom.git
cd crisp-start-bloom
npm i

# Create AI orchestration structure
mkdir -p .ai-workflow
# Set up monitoring and scripts (from phase-2 plan)
chmod +x .ai-workflow/scripts/*.sh
source .ai-workflow/scripts/init-workflow.sh

Cursor IDE Configuration

Add to

.vscode/settings.json

{
  "terminal.integrated.profiles.linux": {
    "AI Workflow": {
      "path": "/bin/bash",
      "args": ["-c", "source ${workspaceFolder}/.ai-workflow/scripts/workflow-orchestrator.sh init && exec bash"]
    }
  },
  "files.associations": {
    "*.ai": "markdown",
    "HANDOFF_*": "markdown",
    "STATUS_*": "markdown"
  }
}

Launch Autonomous Workflow

# Start file monitor
.ai-workflow/start_monitor.sh

# Trigger Jules initial analysis
jules task run -f .ai-workflow/jules-current-task.md

# Monitor will auto-start Claude when ready
# View dashboard
.ai-workflow/scripts/dashboard.sh

Key Technical Patterns

Lazy Loading

const Dashboard = React.lazy(() => import("@/pages/DashboardPage"));

Query Optimization

Use

src/utils/queryOptimizer.ts

for

createOptimizedQueryClient()

Stale times optimized by data type
Exponential backoff retry logic

Background Tasks

import { backgroundTaskManager } from '@/utils/backgroundTaskManager';
backgroundTaskManager.addTask(() => initializeMemoryOptimization(), 3000);

Feature Gating

const { flags } = useFeatureFlags();
if (!flags.receipt_upload_enabled) return <DeprecationNotice />;

Subscription Tier Checking

const { tier, hasAccess } = useSubscriptionTier();
if (tierRestricted && !hasAccess(minTier)) {
  return <UpgradePrompt requiredTier={minTier} />;
}

Important Conventions

Component Creation: Use shadcn/ui as base (
```
@/components/ui/*
```
)
Styling: TailwindCSS with
```
cn()
```
utility from
```
@/lib/utils
```
Forms: React Hook Form + Zod validation
Data Fetching: TanStack Query (React Query)
Icons: lucide-react
Routing: React Router v6 with lazy loading
Authentication: Supabase Auth with
```
MinimalAuthProvider
```

Common Pitfalls

❌ Don't edit
```
src/integrations/supabase/client.ts
```
(auto-generated)
❌ Don't block initial load - use lazy loading for non-critical features
✅ Check feature flags - features may be deprecated or gated
✅ Mind bundle size - keep initial chunks <500KB
✅ TypeScript is relaxed - allows implicit any, skips strict checks
✅ Use background tasks - defer non-critical initialization

Quality Gates & Success Criteria

Technical Quality

Code Coverage: ≥85%
Page Load: <2 seconds
Mobile Lighthouse: >90
Security: Zero critical CVEs
Accessibility: WCAG 2.1 AA

Functional Success

All banking integrations working (sandbox)
Complete tax workflow with ATO compliance
Full expense tracking & budgeting
Mobile-optimized UX
Production-ready deployment config

Business Success

Australian regulatory compliance (ATO, Privacy Act)
Bank-grade security
Multi-entity business support
Professional tax & accounting features
Scalable architecture

Project URLs & References

Lovable Project: https://lovable.dev/projects/befe6232-f05c-4160-a7c0-4054777d84fd
Supabase: kflruaxirmpenvjmdtho.supabase.co
Documentation:
- ```
FEATURE_FLAG_IMPLEMENTATION.md
```
  - Feature flags & storage
- ```
PERFORMANCE_OPTIMIZATION.md
```
  - Performance improvements
- ```
AI-WORKFLOW.md
```
  - AI assistant usage workflow
- ```
README.md
```
  - Project setup & deployment

Post-Launch Monitoring Plan

Week 1: Intensive Monitoring

24/7 system monitoring
Real-time error tracking
User behavior analytics
Daily health reports

Month 1: Optimization Phase

Performance tuning based on real usage
User feedback collection
Feature usage analytics
Security monitoring & adjustments

Ongoing: Continuous Improvement

Monthly security audits
Quarterly performance reviews
Regular feature updates
Compliance monitoring
Proactive system scaling

This CLAUDE.md provides comprehensive guidance for autonomous AI development using Claude Code 4.5 and Google Jules to bring crisp-start-bloom to production-ready status through a structured 30-hour workflow.

CLAUDE.md

This file provides guidance to Claude Code (claude.ai/code) when working with code in this repository.

Project Overview

crisp-start-bloom is an Australian financial management and tax compliance platform built for production deployment via autonomous AI development.

Frontend: React 18 + TypeScript + Vite + TailwindCSS + shadcn/ui
Backend: Supabase (PostgreSQL + 60+ Edge Functions)
Current State: ~65% complete, undergoing 30-hour autonomous AI workflow
Architecture: 1000+ components, 80+ pages, 200+ database migrations
Key Features: ATO-compliant tax tracking, bank integration, AI assistance, compliance monitoring

This is a Lovable project supporting both IDE and web platform development.

Essential Development Commands

Development & Build

npm run dev              # Start dev server on http://[::]:8080
npm run build            # Production build
npm run build:dev        # Development mode build
npm run preview          # Preview production build
npm run lint             # Run ESLint

TypeScript Configuration

Relaxed settings for rapid development:

noImplicitAny: false

strictNullChecks: false

noUnusedLocals: false

noUnusedParameters: false

Path alias:
```
@/*
```
→
```
./src/*
```

Current Architecture

Progressive Loading System (80%+ Performance Improvement)

App.tsx (minimal - 31 lines)
├── Index + Auth pages (instant load)
└── ProgressiveAppShell (lazy)
    ├── ProgressiveProviders (staged loading)
    └── LazyRouteLoader (route chunking)

Key Performance Files:

```
src/App.tsx
```
- Minimal entry (critical routes only)
```
src/App.legacy.tsx
```
- Original implementation (reference)

src/components/performance/ProgressiveAppShell.tsx

```
src/components/performance/routes/*.tsx
```
- Priority-based route bundles
```
src/utils/backgroundTaskManager.ts
```

Supabase Integration

Client:
```
src/integrations/supabase/client.ts
```
(auto-generated, don't edit)

Edge Functions: 60+ functions in

supabase/functions/*/index.ts

Tax:

personal-income-tax-calculator

gst-calculator

capital-gains-tax-calculator

Receipt:
```
gemini-receipt-ocr
```
,
```
fast-receipt-process
```

AI/ML:

ml-categorization-engine

ai-tax-advisor

enhanced-rag-search

Integrations:

basiq-integration-enhanced

xero-integration

quickbooks-integration

Security:

subscription-gate

secrets-health

audit-logger

Storage:

storage-audit

storage-monitor

cleanup-status

Feature Flags & Storage Optimization

System:

src/config/featureFlags.ts

src/hooks/useFeatureFlags.ts

Admin UI:

src/components/Admin/FeatureFlagDashboard.tsx

StorageCleanupDashboard.tsx

Achievement: 80-90% storage reduction, 95% smaller initial bundle
See
```
FEATURE_FLAG_IMPLEMENTATION.md
```
for details

Phase	Hours	Focus	Primary AI
Phase 1	0-6	Setup & Analysis	Jules
Phase 2	6-9	Banking Integration & Onboarding	Claude + Jules
Phase 3	9-12	Tax Calculation & Compliance UI	Claude + Jules
Phase 4	12-15	Expense Tracking (not detailed in plans)	Claude + Jules
Phase 5	15-18	Goals, Notifications & AI Features	Claude + Jules
Phase 6	21-30	Mobile Optimization & Production	Both

AI Collaboration Structure

File-Based Communication System

.ai-workflow/
├── HANDOFF_QUEUE.md       # Task assignments & status
├── STATUS_LOG.md          # Development progress
├── COMMUNICATION.md       # AI-to-AI messages
├── claude/
│   ├── sessions/          # Work sessions
│   ├── checkpoints/       # Code checkpoints
│   └── outputs/           # Implementation results
└── jules/
    ├── tasks/             # Task definitions
    ├── results/           # Analysis & test results
    └── reviews/           # Code review reports

Handoff Protocol

Task Completion: Update
```
STATUS_LOG.md
```
with detailed progress
Next Assignment: Update
```
HANDOFF_QUEUE.md
```
with next agent's tasks
Communication: Add summary to
```
COMMUNICATION.md
```
Trigger: File change triggers next agent activation
Validation: Receiving agent validates completeness

Repository Architecture Analysis (Hours 2-4)
- Comprehensive codebase mapping
- Feature gap analysis (existing vs. required)
- Technical architecture review
- Compliance & regulatory assessment
- Deliverables:
  - ```
  .ai-workflow/jules/phase2-analysis.md
```
- ```
.ai-workflow/jules/feature-priorities.md
```
  - ```
  .ai-workflow/jules/technical-debt.md
```
Development Cycle Planning (Hours 4-6)
- Create detailed task specs for Claude
- Define testing protocols
- Establish quality gates
- Plan UX flows for all subscription tiers
- Deliverables:
  - ```
  .ai-workflow/jules/cycle-plans/
```
- ```
.ai-workflow/jules/testing-protocols.md
```
  - ```
  .ai-workflow/jules/quality-gates.md
```

Claude Code 4.5 Responsibilities

Workflow Infrastructure Setup (Hours 2-3)
- Create
```
.ai-workflow/config/claude-config.ts
```
- Set up development templates
- Implement monitoring system (
```
DevelopmentMonitor
```
  class)
- Configure quality assurance framework
Repository Preparation (Hours 3-4)
- Analyze existing patterns
- Document coding standards (
```
.ai-workflow/claude/coding-standards.ts
```
  )
- Prepare integration interfaces
- Optimize development environment

Success Criteria

✅ File monitoring operational
✅ AI handoff protocol functional
✅ Complete feature gap analysis
✅ Quality gates established

// src/services/basiq/basiq-client.ts
export class BasiqClient {
  async createUser(userData: CreateUserRequest): Promise<BasiqUser>
  async getInstitutions(tier: SubscriptionTier): Promise<Institution[]>
  private filterInstitutionsByTier(institutions, tier): Institution[]
}

Fix user creation flow in sandbox
Implement tier-based institution filtering
Add robust error handling
Update UI for connection feedback

Xero OAuth Callback Fix:

// src/services/xero/xero-oauth.ts
export class XeroOAuthService {
  async handleCallback(code, state, userId): Promise<XeroTokens>
  async refreshTokens(userId): Promise<XeroTokens>
}

Resolve OAuth redirect URL mismatch
Verify state parameter for security
Implement token refresh mechanism

QuickBooks Integration:

// src/services/quickbooks/quickbooks-client.ts
export class QuickBooksClient {
  async initiateOAuth(userId): Promise<string>
  async handleCallback(code, realmId, state, userId): Promise<QBTokens>
}

Complete sandbox configuration
Implement authorization flow
Add data synchronization

2. Onboarding Flow (Hours 7.5-8.5)

Components:

src/components/Onboarding/OnboardingWizard.tsx

src/components/Onboarding/TierSelectionStep.tsx

src/components/BankIntegration/BankConnectionWizard.tsx

Subscription Tiers:

Individual ($9.99/mo): 4 banks, basic tracking, tax prep
ABN ($19.99/mo): GST, BAS, Xero integration
Small Business ($39.99/mo): Multi-entity, QuickBooks, team access
Enterprise (Custom): Unlimited integrations, API access

3. Connection Status Monitoring (Hours 8.5-9)

Real-time health checks
Error recovery mechanisms
User-friendly error messages
Connection health dashboard

Google Jules Validation (Hours 6-9)

1. Integration Testing (Hours 6-7)

Test Coverage:

BASIQ user creation & account connection
OAuth callback handling (Xero, QuickBooks)
Tier-based feature access
Network failure recovery
Security validation

2. UX Validation (Hours 7-8)

Onboarding flow completeness
Tier selection clarity
Mobile responsiveness
Accessibility compliance (WCAG 2.1 AA)

3. Security & Compliance Audit (Hours 8-9)

Data encryption verification
Access control testing
Australian banking regulations
Privacy Act adherence
Audit trail completeness

Deliverables

✅ Fixed BASIQ, Xero, QuickBooks integrations
✅ Tier-aware onboarding flow
✅ Connection monitoring system
✅ Comprehensive test suite
✅ Security audit report

// src/components/Tax/TaxResultsDashboard.tsx
- Total income, deductions, final amount (refund/owed)
- Tax calculation progress indicator
- Tier-specific features

// src/components/Tax/IncomeBreakdownCard.tsx
- Expandable income categories
- Business income section (ABN+ tiers)

// src/components/Tax/ATOComplianceCard.tsx
- Compliance status indicators
- ATO-specific recommendations

Features:

ATO-compliant result presentation
Interactive tax breakdown
Real-time compliance checking
Mobile-responsive design

2. Business Tax Suite (Hours 10-11)

Components:

// src/components/Tax/BusinessTaxSuite.tsx
- Multi-entity selector
- Tab-based navigation (Overview, BAS, Payroll, Reports)

// src/components/Tax/BASManagementTab.tsx
- Quarterly BAS generation
- GST collected/credits calculation
- PAYG withholding
- ATO submission preparation

Features:

BAS (Business Activity Statement) generation
Multi-entity tax calculations
Professional tax reporting
Tier-gated access (ABN+ only)

3. Compliance Dashboard (Hours 11-12)

Components:

// src/components/Tax/ComplianceDashboard.tsx
- Compliance overview (compliant/warning/non-compliant)
- Upcoming deadlines tracker
- Compliance checklist
- Compliance history

Google Jules Validation (Hours 9-12)

1. Calculation Accuracy Testing (Hours 9-10)

Test Cases:

- Individual tax calculation (brackets, medicare levy, offsets)
- GST calculations for ABN holders
- BAS generation accuracy
- Multi-entity tax calculations
- Edge cases & error handling

2. UI Testing (Hours 10-11)

Dashboard clarity & usability
Mobile responsiveness
Accessibility compliance
Tier-specific feature access

3. Performance & Security (Hours 11-12)

Performance Targets:

Simple calculations: <100ms
Complex business: <500ms
BAS generation: <2s

Security Checks:

Financial data encryption
No sensitive data in logs
API endpoint security
Audit trail completeness

Deliverables

✅ Comprehensive tax results dashboard
✅ Business tax suite with BAS generation
✅ Compliance monitoring dashboard
✅ Accuracy validation report
✅ Performance & security audit

// src/components/Goals/GoalsDashboard.tsx
- Goals overview (completed, on track, behind)
- Active goals with progress bars
- Goal creation/editing modals

// src/components/Goals/GoalRecommendationsEngine.tsx
- AI-powered goal suggestions
- Financial behavior analysis
- Tier-specific recommendations

Goal Types by Tier:

Individual: emergency_fund, vacation, car_purchase, debt_payoff
ABN: tax_savings, equipment_purchase, retirement
Small Business: expansion, cash_flow, equipment_upgrade
Enterprise: acquisition, dividend_distribution, R&D

2. Smart Notification System (Hours 16-17)

Engine:

// src/services/notifications/NotificationEngine.ts
export class NotificationEngine {
  async analyzeTransactions(transactions): Promise<void>
  private async detectSubscriptionChanges(): Promise<Notification[]>
  private async detectPotentialFraud(): Promise<Notification[]>
  private async checkGoalProgress(): Promise<Notification[]>
}

Notification Types:

Subscription detected/unused subscriptions
Fraud alerts (unusual spending patterns)
Goal milestones & behind-schedule warnings
Budget variance alerts

UI:

// src/components/Notifications/NotificationCenter.tsx
- Filter by all/unread/high priority
- Action buttons (contextual)
- Priority-based color coding
- Expandable details

3. Enhanced AI Chat (Hours 17-18)

Components:

// src/components/AI/EnhancedDobbieAI.tsx
- Chat modes: general, analysis, planning
- Contextual prompts
- Proactive insights
- Action buttons for quick responses

Features:

Financial advice with context
Transaction-specific queries
Spending pattern analysis
Budget planning assistance

Google Jules Validation (Hours 15-18)

1. Goals Testing (Hours 15-16)

Progress calculation accuracy
Tier-specific goal types
Recommendation engine validation
Auto-contribution testing

2. Notification Validation (Hours 16-17)

Subscription detection accuracy
Fraud detection (minimize false positives <5%)
Goal progress notifications
Delivery timing verification

3. AI Quality Assessment (Hours 17-18)

Response quality & relevance
Financial advice accuracy (ATO guidelines)
Context maintenance
Response time (<3 seconds)

Deliverables

✅ Goals tracking with smart recommendations
✅ Intelligent notification system
✅ Enhanced DobbieAI chat
✅ Fraud detection validation
✅ User experience optimization report

// src/components/Mobile/MobileOptimizedDashboard.tsx
- Swipe gestures for tab navigation
- Bottom sheet for quick actions
- Mobile tab bar
- Touch-optimized cards

// src/components/Mobile/TouchOptimizedCard.tsx
- Long press support
- Swipe actions
- Haptic feedback

PWA Implementation:

// src/services/pwa/PWAService.ts
- Service worker registration
- Offline mode enablement
- Background sync
- Install prompt handling

2. Performance Optimization (Hours 23-25)

Monitoring:

// src/services/performance/PerformanceMonitor.ts
- Page load metrics (FCP, LCP, CLS, FID)
- API call tracking
- Image lazy loading
- Virtual scrolling for large lists

Caching:

// src/services/cache/CacheManager.ts
- Memory cache (Map-based)
- localStorage cache with expiry
- Cache invalidation patterns
- Size limits (100KB per item)

3. Production Deployment (Hours 25-27)

Configuration:

// src/config/production.ts
- API endpoints & timeouts
- Security settings (CSP, HSTS, secure cookies)
- Monitoring (error tracking, performance)
- Feature flags per tier
- Compliance settings (7-year retention)

Health Checks:

// src/services/monitoring/HealthCheck.ts
- Database connection checks
- API endpoint validation
- External integration status
- System resource monitoring

Google Jules Validation (Hours 21-30)

1. System Integration Testing (Hours 21-24)

Coverage:

End-to-end user flows (all tiers)
Business workflows (BAS, multi-entity)
Mobile experience (offline, PWA, performance)
Security & compliance audit

2. Performance Validation (Hours 24-27)

Benchmarks:

Page load times: <2s (target)
API responses: <500ms (target)
Mobile performance: FCP <1.5s, LCP <2.5s
Load testing: 100/500/1000/2000 concurrent users

3. Production Readiness (Hours 27-30)

Checklist:

Environment configuration secure
SSL/DNS/CDN setup
Monitoring & alerting active
Backup & recovery tested
Penetration testing passed

Production Launch Criteria

Technical:

✅ All core features functional across tiers
✅ Mobile experience optimized
✅ Performance benchmarks met
✅ Zero critical security issues
✅ Australian compliance satisfied

Business:

✅ Complete onboarding flows
✅ Banking integrations production-ready
✅ Tax calculations ATO-accurate
✅ AI features enhance UX
✅ "Set and forget" financial management

Operational:

✅ Monitoring systems active
✅ Backup/recovery procedures tested
✅ Support documentation complete
✅ Incident response established
✅ Scalability roadmap defined

Deliverables

✅ Mobile-optimized responsive interface
✅ PWA with offline capabilities
✅ Production-ready optimizations
✅ Security hardening complete
✅ Final integration validation

AI Workflow Setup (Cursor IDE)

Prerequisites

# Install Claude Code globally
npm install -g @anthropic-ai/claude-code@latest
claude --version   # should show 4.5

# Install Jules Tools CLI
npm install -g @google/jules
jules --help

# Export API keys
export ANTHROPIC_API_KEY="sk-..."
export GOOGLE_API_KEY="..."

Repository Setup

git clone https://github.com/clutran78/crisp-start-bloom.git
cd crisp-start-bloom
npm i

# Create AI orchestration structure
mkdir -p .ai-workflow
# Set up monitoring and scripts (from phase-2 plan)
chmod +x .ai-workflow/scripts/*.sh
source .ai-workflow/scripts/init-workflow.sh

Cursor IDE Configuration

Add to

.vscode/settings.json

{
  "terminal.integrated.profiles.linux": {
    "AI Workflow": {
      "path": "/bin/bash",
      "args": ["-c", "source ${workspaceFolder}/.ai-workflow/scripts/workflow-orchestrator.sh init && exec bash"]
    }
  },
  "files.associations": {
    "*.ai": "markdown",
    "HANDOFF_*": "markdown",
    "STATUS_*": "markdown"
  }
}

Launch Autonomous Workflow

# Start file monitor
.ai-workflow/start_monitor.sh

# Trigger Jules initial analysis
jules task run -f .ai-workflow/jules-current-task.md

# Monitor will auto-start Claude when ready
# View dashboard
.ai-workflow/scripts/dashboard.sh

Key Technical Patterns

Lazy Loading

const Dashboard = React.lazy(() => import("@/pages/DashboardPage"));

Query Optimization

Use

src/utils/queryOptimizer.ts

for

createOptimizedQueryClient()

Stale times optimized by data type
Exponential backoff retry logic

Background Tasks

import { backgroundTaskManager } from '@/utils/backgroundTaskManager';
backgroundTaskManager.addTask(() => initializeMemoryOptimization(), 3000);

Feature Gating

const { flags } = useFeatureFlags();
if (!flags.receipt_upload_enabled) return <DeprecationNotice />;

Subscription Tier Checking

const { tier, hasAccess } = useSubscriptionTier();
if (tierRestricted && !hasAccess(minTier)) {
  return <UpgradePrompt requiredTier={minTier} />;
}

Important Conventions

Component Creation: Use shadcn/ui as base (
```
@/components/ui/*
```
)
Styling: TailwindCSS with
```
cn()
```
utility from
```
@/lib/utils
```
Forms: React Hook Form + Zod validation
Data Fetching: TanStack Query (React Query)
Icons: lucide-react
Routing: React Router v6 with lazy loading
Authentication: Supabase Auth with
```
MinimalAuthProvider
```

Common Pitfalls

❌ Don't edit
```
src/integrations/supabase/client.ts
```
(auto-generated)
❌ Don't block initial load - use lazy loading for non-critical features
✅ Check feature flags - features may be deprecated or gated
✅ Mind bundle size - keep initial chunks <500KB
✅ TypeScript is relaxed - allows implicit any, skips strict checks
✅ Use background tasks - defer non-critical initialization

Quality Gates & Success Criteria

Technical Quality

Code Coverage: ≥85%
Page Load: <2 seconds
Mobile Lighthouse: >90
Security: Zero critical CVEs
Accessibility: WCAG 2.1 AA

Functional Success

All banking integrations working (sandbox)
Complete tax workflow with ATO compliance
Full expense tracking & budgeting
Mobile-optimized UX
Production-ready deployment config

Business Success

Australian regulatory compliance (ATO, Privacy Act)
Bank-grade security
Multi-entity business support
Professional tax & accounting features
Scalable architecture

Project URLs & References

Lovable Project: https://lovable.dev/projects/befe6232-f05c-4160-a7c0-4054777d84fd
Supabase: kflruaxirmpenvjmdtho.supabase.co
Documentation:
- ```
FEATURE_FLAG_IMPLEMENTATION.md
```
  - Feature flags & storage
- ```
PERFORMANCE_OPTIMIZATION.md
```
  - Performance improvements
- ```
AI-WORKFLOW.md
```
  - AI assistant usage workflow
- ```
README.md
```
  - Project setup & deployment

Post-Launch Monitoring Plan

Week 1: Intensive Monitoring

24/7 system monitoring
Real-time error tracking
User behavior analytics
Daily health reports

Month 1: Optimization Phase

Performance tuning based on real usage
User feedback collection
Feature usage analytics
Security monitoring & adjustments

Ongoing: Continuous Improvement

Monthly security audits
Quarterly performance reviews
Regular feature updates
Compliance monitoring
Proactive system scaling

CLAUDE.md

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