Add full monorepo: virtual-banker, backend, frontend, docs, scripts, deployment

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

docs/specs/banking/payment-rails.md

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+# Payment Rails Specification
+
+## Overview
+
+Payment rails for on-ramp/off-ramp, ACH, wire, and card processing integration.
+
+## On-Ramp Integration
+
+### Providers
+
+**Crypto On-Ramp**:
+- MoonPay
+- Ramp
+- Transak
+- Others
+
+### Integration Pattern
+
+**Flow**:
+1. User initiates on-ramp
+2. Redirect to provider or embed widget
+3. User completes purchase
+4. Provider webhook notifies completion
+5. Credit customer account
+
+## Off-Ramp Integration
+
+### Providers
+
+Similar to on-ramp providers
+
+### Flow
+
+1. User initiates withdrawal
+2. Verify balance and limits
+3. Initiate withdrawal with provider
+4. Provider processes withdrawal
+5. Debit customer account
+6. Monitor completion
+
+## ACH/Wire/Card Rails
+
+### ACH Processing
+
+**Integration**: Banking partner or payment processor
+**Use Cases**: Fiat deposits/withdrawals
+**Processing Time**: 1-3 business days
+
+### Wire Transfers
+
+**Integration**: Banking partner
+**Use Cases**: Large fiat transfers
+**Processing Time**: Same day or next day
+
+### Card Processing
+
+**Integration**: Payment processor (Stripe, etc.)
+**Use Cases**: Card purchases
+**Processing Time**: Instant (authorization), 1-3 days (settlement)
+
+## Settlement Monitoring
+
+### Monitoring Process
+
+**Track**:
+- Transaction status
+- Settlement status
+- Failed transactions
+- Disputes/chargebacks
+
+### Alerts
+
+**Trigger Conditions**:
+- Settlement failures
+- Unusual delays
+- Disputes
+- Chargebacks
+
+## Payment Status Tracking
+
+### Status States
+
+- `initiated`: Payment initiated
+- `pending`: Pending processing
+- `processing`: Being processed
+- `completed`: Successfully completed
+- `failed`: Processing failed
+- `refunded`: Refunded
+- `disputed`: Under dispute
+
+## References
+
+- Account & Ledger: See `account-ledger.md`
+- Compliance: See `compliance-dashboards.md`
+