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

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

docs/specs/vtm/teller-workflows.md

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+# Teller Workflows Specification
+
+## Overview
+
+Workflow definitions for common VTM teller interactions.
+
+## Workflow: Account Opening
+
+**State Machine**:
+```
+[Start] → [Identity Verification] → [KYC Check] → [Account Creation] → [Wallet Setup] → [Complete]
+              ↓                          ↓
+           [Failed]                  [Manual Review]
+```
+
+**Steps**:
+1. Collect user information
+2. Initiate identity verification
+3. Run KYC checks
+4. Create account if approved
+5. Set up wallet
+6. Complete onboarding
+
+## Workflow: Bridge Action
+
+**State Machine**:
+```
+[Start] → [Select Chains] → [Enter Amount] → [Risk Check] → [Confirmation] → [Execute] → [Monitor] → [Complete]
+                                                                    ↓
+                                                                 [Failed]
+```
+
+**Steps**:
+1. User requests bridge
+2. Select source and destination chains
+3. Enter amount
+4. Get quote and show details
+5. Risk assessment
+6. User confirmation
+7. Execute bridge
+8. Monitor status
+9. Confirm completion
+
+## Workflow: Transaction Explanation
+
+**Steps**:
+1. User provides transaction hash
+2. Fetch transaction details
+3. Explain transaction components
+4. Answer user questions
+5. Provide additional context if needed
+
+## User Consent Checkpoints
+
+### Checkpoint Types
+
+**Implicit Consent**: Information queries
+**Explicit Consent**: Financial actions
+**Strong Consent**: High-value or high-risk actions
+
+### Consent Recording
+
+**Record**:
+- Action requested
+- User acknowledgment
+- Timestamp
+- Method (voice, text, button)
+
+## Audit Logging Requirements
+
+### Logged Events
+
+**All Events**:
+- Workflow start/completion
+- User inputs
+- System actions
+- Authorizations
+- Escalations
+- Errors
+
+### Log Format
+
+```json
+{
+  "session_id": "uuid",
+  "user_id": "uuid",
+  "workflow": "bridge_action",
+  "event": "user_confirmation",
+  "data": {...},
+  "timestamp": "2024-01-01T00:00:00Z"
+}
+```
+
+## References
+
+- Teller Orchestrator: See `teller-orchestrator.md`
+- Conversation State: See `conversation-state.md`
+