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

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

docs/specs/frontend/vtm-ui.md

@@ -0,0 +1,69 @@
+# VTM UI Integration Specification
+
+## Overview
+
+UI integration for Virtual Teller Machine (VTM) with Soul Machines digital human.
+
+## Digital Human Embedding
+
+### Container
+
+**Position**: Modal overlay or side panel
+**Size**: Responsive, minimum 600x400px
+**Z-index**: High (overlay other content)
+
+### Integration Points
+
+- Session initialization
+- Conversation display
+- User input (text/voice)
+- Workflow step indicators
+
+## Conversation Interface
+
+### Components
+
+- Digital human video/avatar
+- Message history
+- Input field (text)
+- Voice input button
+- Workflow progress indicator
+
+### Message Display
+
+- User messages (right-aligned)
+- Assistant messages (left-aligned)
+- System messages (centered)
+- Typing indicators
+
+## Workflow Step Indicators
+
+### Progress Indicator
+
+**Display**:
+- Current step
+- Completed steps
+- Remaining steps
+- Estimated time
+
+**Visual**: Progress bar or step list
+
+## Human Escalation UI
+
+### Escalation Trigger
+
+**Button**: "Talk to Human Agent"
+**Status**: Show when human agent available
+**Transfer**: Smooth transition to human agent
+
+### Escalation Status
+
+- Waiting for agent
+- Connected to agent
+- Agent typing indicator
+
+## References
+
+- VTM Integration: See `../vtm/soul-machines-integration.md`
+- Frontend Architecture: See `frontend-architecture.md`
+