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

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

docs/specs/xr/xr-architecture.md

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+# XR Architecture Specification
+
+## Overview
+
+XR (Extended Reality) architecture for immersive blockchain exploration experiences.
+
+## WebXR Integration Strategy
+
+### Primary Approach
+
+**Technology**: WebXR API
+**Benefits**: Browser-based, no app installation
+**Limitations**: Device compatibility
+
+### Fallback
+
+**Unity/Unreal**: Native apps for high-fidelity experiences
+**Use Case**: Advanced XR features, better performance
+
+## Shared Backend API Usage
+
+**Strategy**: XR clients use same APIs as web/mobile
+**Benefits**: Consistency, reuse, easier maintenance
+
+## Scene Management
+
+### Scene Types
+
+- Block graph space
+- Transaction flow visualization
+- Cross-chain message tunnels
+- Virtual bank branch
+
+### Scene Transitions
+
+- Smooth transitions between scenes
+- Loading states
+- Scene persistence
+
+## References
+
+- XR Scenes: See `xr-scenes.md`
+- XR Performance: See `xr-performance.md`
+

docs/specs/xr/xr-performance.md

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+# XR Performance Specification
+
+## Overview
+
+Performance requirements and optimization strategies for XR experiences.
+
+## Frame Rate Targets
+
+**Target**: 90 FPS (VR) or 60 FPS (AR)
+**Minimum**: 72 FPS (VR) or 30 FPS (AR)
+**Measurement**: Consistent frame timing
+
+## LOD (Level of Detail) Strategies
+
+### Strategy
+
+**Distance-Based LOD**:
+- High detail for nearby objects
+- Reduced detail for distant objects
+- Cull objects beyond view distance
+
+**Performance-Based LOD**:
+- Adjust detail based on frame rate
+- Dynamic quality adjustment
+
+## Asset Optimization
+
+### Optimization Techniques
+
+- Texture compression
+- Geometry simplification
+- Animation optimization
+- Occlusion culling
+
+## Network Data Streaming
+
+### Strategy
+
+- Load critical data first
+- Stream additional data progressively
+- Cache frequently accessed data
+- Preload based on user movement
+
+## References
+
+- XR Architecture: See `xr-architecture.md`
+- XR Scenes: See `xr-scenes.md`
+

docs/specs/xr/xr-scenes.md

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+# XR Scenes Specification
+
+## Overview
+
+XR scene designs for blockchain visualization and VTM interactions.
+
+## Block/Transaction Graph Space
+
+### Design
+
+**Concept**: 3D graph of blocks and transactions
+**Navigation**: Fly through, zoom, select
+**Interactions**: Select block/transaction to view details
+
+### Elements
+
+- Blocks as nodes
+- Transactions as edges
+- Time axis (depth)
+- Network activity visualization
+
+## Cross-Chain Message Tunnels
+
+### Design
+
+**Concept**: Visualize CCIP messages as tunnels between chains
+**Navigation**: Follow message path
+**Interactions**: View message details at each hop
+
+## Virtual Bank Branch
+
+### Design
+
+**Concept**: 3D bank branch environment
+**Purpose**: VTM interactions in immersive setting
+**Elements**: Teller desk, digital human, waiting area
+
+## Navigation Patterns
+
+### Teleport Navigation
+
+**Method**: Point and teleport
+**Benefits**: Reduces motion sickness
+**Use Case**: Large scene navigation
+
+### Smooth Movement
+
+**Method**: Continuous movement (optional)
+**Settings**: Enable/disable based on user preference
+
+## Accessibility Fallback to 2D
+
+**Requirement**: Always provide 2D fallback
+**Trigger**: User preference or device capability
+**Implementation**: Same data, 2D UI
+
+## References
+
+- XR Architecture: See `xr-architecture.md`
+