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

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

docs/specs/vtm/teller-orchestrator.md

@@ -0,0 +1,113 @@
+# Teller Orchestrator Specification
+
+## Overview
+
+Orchestrator that connects Soul Machines digital humans with backend services and workflows.
+
+## Workflow Engine Architecture
+
+```mermaid
+flowchart TB
+    DH[Digital Human UI]
+    NLU[Intent/Policy Layer]
+    WF[Workflow Engine]
+    BANK[Banking API]
+    ACT[Action Orchestrator]
+    EXP[Explorer Services]
+    HUM[Human Agent Console]
+    
+    DH --> NLU
+    NLU --> WF
+    WF --> BANK
+    WF --> ACT
+    WF --> EXP
+    WF --> HUM
+```
+
+## Intent Recognition and Routing
+
+### Intent Types
+
+**Banking Intents**:
+- Account opening
+- Balance inquiry
+- Transaction explanation
+- Limit increase request
+
+**Explorer Intents**:
+- Transaction lookup
+- Address information
+- Token information
+
+**Action Intents**:
+- Bridge initiation
+- Swap assistance
+- Wallet setup
+
+### Intent Recognition
+
+**Method**: NLU from Soul Machines + custom intent classification
+**Routing**: Route to appropriate workflow handler
+
+## Policy Enforcement Layer
+
+### Policies
+
+**Role-Based Access**:
+- Customer permissions
+- Feature access
+- Limit enforcement
+
+**Compliance Policies**:
+- KYC requirements
+- Transaction limits
+- Regulatory restrictions
+
+### Enforcement
+
+**Checks**:
+- Verify user permissions
+- Check compliance status
+- Validate limits
+- Enforce policies
+
+## Action Authorization
+
+### Authorization Flow
+
+1. User requests action via VTM
+2. Teller orchestrator validates request
+3. Check user permissions
+4. Check compliance status
+5. Request explicit confirmation
+6. Execute action if authorized
+
+### Authorization Levels
+
+**Level 1**: Information queries (no authorization needed)
+**Level 2**: Read-only actions (view account)
+**Level 3**: Financial actions (require explicit confirmation)
+
+## Human Escalation Workflow
+
+### Escalation Triggers
+
+**Conditions**:
+- Complex issues beyond VTM capability
+- User request for human agent
+- Compliance concerns
+- Technical errors
+
+### Escalation Process
+
+1. Identify escalation need
+2. Create support ticket
+3. Notify human agent
+4. Transfer conversation context
+5. Human agent takes over
+
+## References
+
+- Soul Machines Integration: See `soul-machines-integration.md`
+- Workflows: See `teller-workflows.md`
+