Docs and examples: CHANGELOG, README, API_REFERENCE, RECOMMENDATIONS, OMNL/transfer examples

Co-authored-by: Cursor <cursoragent@cursor.com>

docs/examples/README.md

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+# FQBM Examples
+
+Canonical, referenceable examples for the Four-Quadrant Balance Sheet Matrix (FQBM) and its integrations.
+
+## Stored example: Transfer due diligence, M1 creation, and FQBM → MIFOS/Fineract API
+
+**Primary reference:** [TRANSFER_DUE_DILIGENCE_AND_M1_CREATION.md](TRANSFER_DUE_DILIGENCE_AND_M1_CREATION.md)
+
+This document stores the full end-to-end example and is the **single reference** for:
+
+1. **Narrative** — Due diligence PDF with MT-103 (900B USD M0); GRU exchange (309B M00 USD); OMNL ledger (900B USD M0 + 350B M00 EUR); M1 EUR/USD creation under GRU Monetary Policies.
+2. **Distribution** — 15 entities each receive a portion of the M1 (funds downloaded).
+3. **Transmission** — Each entity can transmit the fully compliant SWIFT DOT-FIN file and appropriate ISO 20022 messages **in whole or in parts**.
+4. **FQBM mapping** — State variables (B, R, C, Loans, Deposits, E_cb, E_b, L_cb, etc.), identities, and DOT-FIN integration.
+5. **Proper entries: FQBM → MIFOS/Fineract via API** — How to post matrix state (and DOT-FIN-derived entries) to Apache Fineract as GL journal entries; mapping table (FQBM variable → Fineract GL); double-entry and idempotency rules; flow for 15-entity distribution.
+
+Use this example when implementing:
+
+- SWIFT DOT-FIN parsing and application to FQBM state.
+- Multi-entity serialization (DOT-FIN and ISO 20022, whole or in parts).
+- **API integration from the Quadrant Balance Sheet Matrix to MIFOS/Fineract** (proper GL entries from FQBM deltas).
+
+---
+
+## OMNL Central Bank ledger (GRU M1 conversion & allocations)
+
+**Operational ledger:** [OMNL_CENTRAL_BANK_LEDGER_GRU_M1.md](OMNL_CENTRAL_BANK_LEDGER_GRU_M1.md)
+
+Cleaned, compliance-ready detailed transactional ledger for OMNL Central Bank:
+
+- **Chart of accounts** with **FQBM quadrant and state-variable mapping** (GL → FQBM).
+- **Section A:** Opening balance (T-001) — 900B USD M0.
+- **Section B:** Treasury conversion (T-100, T-101) — 250B M0 segregated, 1,250B M1 created (1:5 GRU ratio); T-101 is a compound double-entry balanced entry.
+- **Section C:** M1 distributions (T-201A/B, T-202A/B, T-203–T-207) — allocations to Shamrayan, HYBX, TAJ, Aseret, Mann Li, OSJ (Client 7), Alltra; total allocated 568B.
+- **Section D:** Post-transaction summary (reconciled); Client 1 remaining M0 650B, M1 Treasury 682B.
+- **Section E:** Client 7 sub-entity structure (7A–7D) and internal transfer protocol.
+- **§6:** Double-entry check for all entries, FQBM identity note, **idempotency references** for FQBM → MIFOS/Fineract API posting.
+
+Use this ledger as the source of truth for posting the same entries to Fineract via API (see idempotency refs and GL mapping in the doc).