Makefile

@@ -8,3 +8,15 @@ test-frontend:
 	cd frontend/packages/sxchnge_theme && flutter test
 	cd frontend/packages/sxchnge_theme/example && flutter test
 	cd frontend/app && flutter test
+
+.PHONY: test-backend lint-backend run-backend
+
+test-backend:
+	cd backend && go test -race ./...
+
+lint-backend:
+	cd backend && test -z "$$(gofmt -l .)"
+	cd backend && go vet ./...
+
+run-backend:
+	cd backend && go run ./cmd/bff

README.md

@@ -11,8 +11,9 @@ with `go_router`. Its interface uses the shared theme's colors and typography.
 
 **Authentication, email verification and analytics use dummy services.** No real
 account or session is created, no email is delivered, and no analytics data is
-transmitted. The backend is documentation only. Session/KYC access guards and
-Sendico integration are not implemented.
+transmitted. The backend has an independent Go operational shell; product services
+are not connected. Session/KYC access guards and Sendico integration are not
+implemented.
 
 ## Repository structure
 
@@ -23,7 +24,7 @@ Sendico integration are not implemented.
 | [`sxchnge_theme`](frontend/packages/sxchnge_theme/README.md) | Reusable light/dark themes and bundled Onest font |
 | [`sxchnge_auth`](frontend/packages/sxchnge_auth/README.md) | Shared auth contracts, providers, two-factor page and dummy services |
 | [`sxchnge_analytics`](frontend/packages/sxchnge_analytics/README.md) | Typed journey events, recorder and bounded in-memory dummy analytics |
-| [`backend/`](backend/README.md) | Planned BFF and Sendico integration boundaries |
+| [`backend/`](backend/README.md) | Independent Go BFF starter, adapted foundations and provider integration plan |
 | [`.agents/skills/`](.agents/skills) | Repository agent skills |
 | [`docs/`](docs/implementation.md) | Implementation records and UX measurement contracts |
 
@@ -152,9 +153,9 @@ The intended integration is: **consumer app → sxchnge BFF → supported Sendic
 - The sxchnge organization, backend integration principal and individual customer
   references are distinct identities. Consumers must not share the integration
   account's customer identity.
-- The BFF should use a supported API contract rather than copying Sendico's BFF
-  or depending on its local internal modules. Integration credentials belong in
-  the backend.
+- The BFF uses a supported provider API. Selected Sendico components may be
+  adapted into SXCHNGE-owned code; local Sendico module dependencies are not used.
+  Integration credentials belong in the backend.
 
 Before backend integration, agree on the customer, KYC, eligibility/limits and
 customer-scoped payment contracts for one complete transaction flow. These are
@@ -224,3 +225,14 @@ instructions also support authenticator challenges; actual TOTP enrollment,
 validation and recovery remain backend integration work. See the
 [two-factor UX contract](docs/ux/two-factor.md) and
 [shared auth package](frontend/packages/sxchnge_auth/README.md).
+
+## Backend integration plan
+
+The [BFF architecture and Sendico service audit](docs/architecture/bff.md) defines
+consumer identity, financial-provider boundaries, reusable components, contract
+gaps and delivery phases. Selected Sendico code has been adapted with recorded
+[provenance](backend/PROVENANCE.md); the projects share no runtime modules.
+
+Run `make test-backend`, `make lint-backend` or `make run-backend` from the root.
+The starter exposes health and unconfigured readiness only. Authentication,
+persistence and live financial operations remain the next implementation phases.

backend/AGENTS.md

@@ -0,0 +1,15 @@
+# BFF guidelines
+
+Follow root AGENTS.md. This is an independent Go module; Sendico is an external
+provider, not a local module dependency. Never add sibling-path replacements,
+shared database access or internal Sendico discovery/messaging dependencies.
+
+Keep HTTP DTOs/mappers, application models/use cases and provider adapters distinct.
+Resolve ownership from the authenticated SXCHNGE principal and server-side mappings.
+Only adapters may expose provider transport types internally. Adapted code belongs
+to SXCHNGE; record source revision and changes in PROVENANCE.md.
+
+Review the complete backend contribution before delivery. Run `make test-backend`
+and `make lint-backend` at the repository root. Add behavioral tests for changed
+boundaries and failure paths. Errors returned publicly must be stable typed codes;
+never expose raw provider errors, secrets, document contents or credentials.

backend/PROVENANCE.md

@@ -0,0 +1,38 @@
+# Sendico reuse provenance
+
+Source repository: `S_I/sendico`; revision `8bb20dcd622dd8eb92d289b6b34411e7eccab083`.
+Inspected 2026-09-12. These are owned forks inside SXCHNGE, not runtime imports.
+Source files below match the committed revision; local dependency edits were not used.
+No generated Sendico SDK, shared database models, deployment configuration or credentials were copied.
+
+## `internal/browser/policy.go`
+
+- Source: [api/edge/shared/auth/browser/browser.go](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/auth/browser/browser.go)
+- Source Git blob: `3af7b54aea277d91e0d8c3eba9ee84c155f4b624`
+- Adaptation: Adapted cookie creation/clearing, origin validation and CSRF checks. Replaced Sendico names/errors/env path resolution with explicit SXCHNGE policy; checks do not depend on a client-controlled transport header. Host-only Secure/HttpOnly cookie, Lax same-site navigation, duplicate-cookie rejection and explicit expiry validation.
+- Tests are SXCHNGE-specific behavioral checks for the adapted boundary.
+
+## `internal/credential/token.go`
+
+- Source: [api/edge/shared/storage/verification/hash.go](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/storage/verification/hash.go)
+- Source Git blob: `36fadcf404bfc77608b28cca1e669a4a62f31774`
+- Adaptation: Adapted generateMagic/tokenHash only: 32-byte crypto/rand, URL-safe encoding, SHA-256 digest. Added constant-time matching. Excluded deterministic token generation, Sendico models and all numeric OTP hashing.
+- Tests are SXCHNGE-specific behavioral checks for the adapted boundary.
+
+## `internal/evidence/key.go`
+
+- Source: [api/edge/shared/storage/s3key/key.go](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/storage/s3key/key.go)
+- Source Git blob: `e3cca16304d2c4cb9f256f510d5a1a30a21e22a6`
+- Adaptation: Adapted relative object-key confinement. Replaced merrors with a local sentinel and rejected encoded sequences, backslashes and embedded control characters. Not a filesystem or customer-authorization utility.
+- Tests are SXCHNGE-specific behavioral checks for the adapted boundary.
+
+## Maintenance
+
+The command, operational HTTP shell, module configuration and tests are new SXCHNGE code.
+There is no automatic synchronization or promise of source compatibility with Sendico.
+For an upstream fix, review the pinned source difference, port only the relevant behavior,
+record a new provenance entry and run backend tests/vet. Provider contract changes belong
+in the future Sendico adapter and its transport fixtures, not application models or widgets.
+
+These primitives do not create sessions, deliver email, validate TOTP or upload documents.
+Use them inside the durable flows described in the [BFF plan](../docs/architecture/bff.md).

backend/README.md

@@ -1,14 +1,38 @@
-# SXCHNGE backend
+# SXCHNGE BFF
 
-Reserved for a small backend for frontend (BFF) using a supported Sendico API. No service, runtime, or dependencies have been initialized yet.
+Independent Go module with an operational HTTP shell and selected, adapted
+Sendico foundations. Sendico remains an external financial-services provider;
+there are no Sendico module imports, shared databases or sibling-path dependencies.
+See the [architecture and service plan](../docs/architecture/bff.md) and
+[reuse provenance](PROVENANCE.md).
 
-Planned responsibilities:
+## Run and validate
 
-- Consumer authentication and sessions, with a stable mapping to organization-scoped Sendico customer references.
-- Consumer-authorized access to onboarding, quotes, orders, and transaction history.
-- Product-specific orchestration and presentation of Sendico KYC, eligibility, and remaining-limit responses.
-- Server-side integration credentials and request correlation with Sendico.
+Requires Go 1.26 or later. From the repository root:
 
-Sendico owns payment execution, authoritative KYC evidence and verification records, policy evaluation, and limit reservations/enforcement. Do not copy its existing BFF or import local Sendico implementation modules.
+```sh
+make test-backend
+make lint-backend
+make run-backend
+```
 
-Before implementation, agree on customer registration and identity mapping, customer KYC operations, eligibility/limits reads, customer-scoped payment access, and retry/idempotency behavior. Validate consumer isolation even when multiple customers use the same sxchnge organization and integration principal.
+The default address is `127.0.0.1:8082`; override with `SXCHNGE_HTTP_ADDR`.
+`GET /healthz` reports process health. `GET /readyz` deliberately returns **503**
+with `not_configured`: persistence, authentication and Sendico are not connected.
+No product routes return dummy success. The process handles SIGINT/SIGTERM with
+bounded graceful shutdown. Production transport must terminate HTTPS.
+
+## Present components
+
+- `cmd/bff`, `internal/httpapi`: HTTP process, timeouts and operational endpoints.
+- `internal/browser`: explicit HTTPS origin/CSRF policy and Secure HttpOnly
+  host-only session cookie. Apply this policy to every future browser mutation;
+  it is not yet connected to product routes because those do not exist.
+- `internal/credential`: random opaque credentials and storage digests. Never use
+  this helper for passwords or short OTP codes.
+- `internal/evidence`: confined server-generated object keys; not a substitute
+  for ownership, upload validation or private storage controls.
+
+Only the standard library is required. Larger adapted flows, persistence,
+provider DTOs/mappers, email and live integration follow the plan in separate
+contributions. Source-derived components evolve independently inside this repo.

backend/cmd/bff/main.go

@@ -0,0 +1,46 @@
+package main
+
+import (
+	"context"
+	"errors"
+	"log/slog"
+	"net/http"
+	"os"
+	"os/signal"
+	"syscall"
+	"time"
+
+	"git.sendico.io/tech/sxchnge/bff/internal/httpapi"
+)
+
+func main() {
+	if err := run(); err != nil {
+		slog.Error("BFF stopped", "error", err)
+		os.Exit(1)
+	}
+}
+
+func run() error {
+	addr := os.Getenv("SXCHNGE_HTTP_ADDR")
+	if addr == "" {
+		addr = "127.0.0.1:8082"
+	}
+	server := &http.Server{Addr: addr, Handler: httpapi.New(), ReadHeaderTimeout: 5 * time.Second, ReadTimeout: 15 * time.Second, WriteTimeout: 15 * time.Second, IdleTimeout: 60 * time.Second, MaxHeaderBytes: 1 << 20}
+	ctx, stop := signal.NotifyContext(context.Background(), os.Interrupt, syscall.SIGTERM)
+	defer stop()
+	failures := make(chan error, 1)
+	go func() { failures <- server.ListenAndServe() }()
+	slog.Info("BFF operational shell starting", "address", addr, "provider_configured", false)
+	select {
+	case err := <-failures:
+		if errors.Is(err, http.ErrServerClosed) {
+			return nil
+		}
+		return err
+	case <-ctx.Done():
+		shutdown, cancel := context.WithTimeout(context.Background(), 10*time.Second)
+		defer cancel()
+		slog.Info("BFF shutting down")
+		return server.Shutdown(shutdown)
+	}
+}

backend/go.mod

@@ -0,0 +1,3 @@
+module git.sendico.io/tech/sxchnge/bff
+
+go 1.26

backend/internal/browser/policy.go

@@ -0,0 +1,118 @@
+// Adapted from Sendico edge/shared/auth/browser; see backend/PROVENANCE.md.
+package browser
+
+import (
+	"errors"
+	"net/http"
+	"net/url"
+	"strings"
+	"time"
+)
+
+const (
+	SessionCookie = "__Host-sxchnge_session"
+	CSRFHeader    = "X-CSRF-Protection"
+	CSRFValue     = "1"
+)
+
+var (
+	ErrOrigin  = errors.New("browser origin is not allowed")
+	ErrCSRF    = errors.New("browser CSRF protection is required")
+	ErrSession = errors.New("browser session is missing or invalid")
+)
+
+type Policy struct{ origins map[string]struct{} }
+
+// New accepts explicit HTTPS origins. Browser session transport is chosen by the
+// server route; a client-controlled transport header cannot turn protection off.
+func New(allowedOrigins []string) (*Policy, error) {
+	p := &Policy{origins: make(map[string]struct{}, len(allowedOrigins))}
+	for _, value := range allowedOrigins {
+		origin, ok := canonicalOrigin(value)
+		if !ok {
+			return nil, ErrOrigin
+		}
+		p.origins[origin] = struct{}{}
+	}
+	if len(p.origins) == 0 {
+		return nil, ErrOrigin
+	}
+	return p, nil
+}
+
+func canonicalOrigin(value string) (string, bool) {
+	u, err := url.Parse(value)
+	if err != nil || u.Scheme != "https" || u.Hostname() == "" || u.User != nil || u.Path != "" || u.RawQuery != "" || u.ForceQuery || u.Fragment != "" || u.Opaque != "" {
+		return "", false
+	}
+	return "https://" + strings.ToLower(u.Host), true
+}
+
+// Validate must guard every browser-session mutation, including login/logout.
+// It assumes CORS never grants credentialed access to untrusted origins.
+func (p *Policy) Validate(r *http.Request) error {
+	if r == nil {
+		return ErrCSRF
+	}
+	switch r.Method {
+	case http.MethodGet, http.MethodHead, http.MethodOptions:
+		return nil
+	}
+	if r.Header.Get(CSRFHeader) != CSRFValue {
+		return ErrCSRF
+	}
+	origin, ok := canonicalOrigin(r.Header.Get("Origin"))
+	if !ok || p == nil {
+		return ErrOrigin
+	}
+	if _, allowed := p.origins[origin]; !allowed {
+		return ErrOrigin
+	}
+	return nil
+}
+
+func Credential(r *http.Request) (string, error) {
+	if r == nil {
+		return "", ErrSession
+	}
+	var value string
+	for _, c := range r.Cookies() {
+		if c.Name != SessionCookie {
+			continue
+		}
+		if value != "" || c.Value == "" {
+			return "", ErrSession
+		}
+		value = c.Value
+	}
+	if value == "" {
+		return "", ErrSession
+	}
+	return value, nil
+}
+
+func SetSession(w http.ResponseWriter, token string, now, expires time.Time) error {
+	age := int(expires.Sub(now).Seconds())
+	if token == "" || age < 1 {
+		return ErrSession
+	}
+	c := cookie(token)
+	c.Expires = expires.UTC()
+	c.MaxAge = age
+	if c.Valid() != nil {
+		return ErrSession
+	}
+	http.SetCookie(w, c)
+	return nil
+}
+
+func ClearSession(w http.ResponseWriter) {
+	c := cookie("")
+	c.Expires = time.Unix(1, 0).UTC()
+	c.MaxAge = -1
+	http.SetCookie(w, c)
+}
+
+func cookie(value string) *http.Cookie {
+	return &http.Cookie{Name: SessionCookie, Value: value, Path: "/", HttpOnly: true, Secure: true, SameSite: http.SameSiteLaxMode}
+}

backend/internal/browser/policy_test.go

@@ -0,0 +1,79 @@
+package browser
+
+import (
+	"net/http"
+	"net/http/httptest"
+	"testing"
+	"time"
+)
+
+func TestMutationRequiresOriginAndHeader(t *testing.T) {
+	p, err := New([]string{"https://app.example.com"})
+	if err != nil {
+		t.Fatal(err)
+	}
+	for _, tc := range []struct {
+		origin, header, transport string
+		valid                     bool
+	}{
+		{"https://app.example.com", "1", "", true},
+		{"https://APP.example.com", "1", "", true},
+		{"https://evil.example.com", "1", "", false},
+		{"https://app.example.com.evil.test", "1", "", false},
+		{"https://app.example.com/path", "1", "", false},
+		{"https://app.example.com?query", "1", "", false},
+		{"https://app.example.com#fragment", "1", "", false},
+		{"https://app.example.com", "", "bearer", false},
+		{"", "1", "bearer", false},
+		{"null", "1", "cookie", false},
+	} {
+		r := httptest.NewRequest(http.MethodPost, "https://app.example.com/api/session", nil)
+		r.Header.Set("Origin", tc.origin)
+		r.Header.Set(CSRFHeader, tc.header)
+		r.Header.Set("X-Auth-Transport", tc.transport)
+		if got := p.Validate(r); (got == nil) != tc.valid {
+			t.Errorf("%+v: %v", tc, got)
+		}
+	}
+	if p.Validate(httptest.NewRequest(http.MethodGet, "https://app.example.com/api/session", nil)) != nil {
+		t.Fatal("read rejected")
+	}
+	for _, origin := range []string{"*", "http://app.example.com", "https://user@app.example.com", "https://app.example.com/"} {
+		if _, err := New([]string{origin}); err == nil {
+			t.Errorf("accepted configuration %q", origin)
+		}
+	}
+	if _, err := New(nil); err == nil {
+		t.Fatal("empty origin policy accepted")
+	}
+}
+
+func TestSessionCookie(t *testing.T) {
+	now := time.Date(2026, 9, 12, 0, 0, 0, 0, time.UTC)
+	w := httptest.NewRecorder()
+	if err := SetSession(w, "opaque-token", now, now.Add(time.Hour)); err != nil {
+		t.Fatal(err)
+	}
+	c := w.Result().Cookies()[0]
+	if c.Name != SessionCookie || !c.Secure || !c.HttpOnly || c.Path != "/" || c.Domain != "" || c.SameSite != http.SameSiteLaxMode || c.MaxAge != 3600 {
+		t.Fatalf("bad cookie: %+v", c)
+	}
+	r := httptest.NewRequest(http.MethodGet, "https://app.example.com/api/session", nil)
+	r.AddCookie(c)
+	if value, err := Credential(r); err != nil || value != "opaque-token" {
+		t.Fatal("cookie not read")
+	}
+	r.AddCookie(c)
+	if _, err := Credential(r); err == nil {
+		t.Fatal("ambiguous credential accepted")
+	}
+	if err := SetSession(httptest.NewRecorder(), "token", now, now); err == nil {
+		t.Fatal("expired cookie accepted")
+	}
+	w = httptest.NewRecorder()
+	ClearSession(w)
+	c = w.Result().Cookies()[0]
+	if c.MaxAge != -1 || c.Value != "" || c.Path != "/" || !c.Secure {
+		t.Fatal("cookie not cleared safely")
+	}
+}

backend/internal/credential/token.go

@@ -0,0 +1,29 @@
+// Adapted from Sendico verification/hash.go; see backend/PROVENANCE.md.
+package credential
+
+import (
+	"crypto/rand"
+	"crypto/sha256"
+	"crypto/subtle"
+	"encoding/base64"
+)
+
+// New returns an opaque credential and its storage digest. Store only the digest.
+// This is for high-entropy tokens, never passwords or short numeric OTP codes.
+func New() (raw, digest string, err error) {
+	bytes := make([]byte, 32)
+	if _, err = rand.Read(bytes); err != nil {
+		return "", "", err
+	}
+	raw = base64.RawURLEncoding.EncodeToString(bytes)
+	return raw, Digest(raw), nil
+}
+
+func Digest(raw string) string {
+	sum := sha256.Sum256([]byte(raw))
+	return base64.RawURLEncoding.EncodeToString(sum[:])
+}
+
+func Matches(raw, digest string) bool {
+	return raw != "" && subtle.ConstantTimeCompare([]byte(Digest(raw)), []byte(digest)) == 1
+}

backend/internal/credential/token_test.go

@@ -0,0 +1,24 @@
+package credential
+
+import (
+	"encoding/base64"
+	"testing"
+)
+
+func TestOpaqueCredential(t *testing.T) {
+	raw, digest, err := New()
+	if err != nil {
+		t.Fatal(err)
+	}
+	decoded, err := base64.RawURLEncoding.DecodeString(raw)
+	if err != nil || len(decoded) != 32 {
+		t.Fatal("credential must contain 256 random bits")
+	}
+	if raw == digest || !Matches(raw, digest) || Matches("other", digest) || Matches("", Digest("")) {
+		t.Fatal("invalid digest matching behavior")
+	}
+	other, _, err := New()
+	if err != nil || other == raw {
+		t.Fatal("credentials must be independently generated")
+	}
+}

backend/internal/evidence/key.go

@@ -0,0 +1,43 @@
+// Adapted from Sendico edge/shared/storage/s3key; see backend/PROVENANCE.md.
+package evidence
+
+import (
+	"errors"
+	"path"
+	"strings"
+	"unicode"
+)
+
+var ErrInvalidKey = errors.New("invalid evidence key")
+
+// JoinKey confines a server-generated object reference to a relative prefix.
+// It is not an ownership check or a local-filesystem path sanitizer. Inputs must
+// not be URL-decoded or interpreted as filesystem paths after validation.
+func JoinKey(prefix, reference string) (string, error) {
+	a, err := relative(prefix)
+	if err != nil {
+		return "", err
+	}
+	b, err := relative(reference)
+	if err != nil {
+		return "", err
+	}
+	return path.Join(a, b), nil
+}
+
+func relative(value string) (string, error) {
+	value = strings.TrimSpace(value)
+	if strings.ContainsAny(value, "\\%") || strings.ContainsFunc(value, unicode.IsControl) {
+		return "", ErrInvalidKey
+	}
+	for _, segment := range strings.Split(value, "/") {
+		if segment == ".." {
+			return "", ErrInvalidKey
+		}
+	}
+	clean := path.Clean(value)
+	if value == "" || clean == "." || path.IsAbs(clean) {
+		return "", ErrInvalidKey
+	}
+	return clean, nil
+}

backend/internal/evidence/key_test.go

@@ -0,0 +1,18 @@
+package evidence
+
+import "testing"
+
+func TestKeyConfinement(t *testing.T) {
+	for _, ref := range []string{"", ".", "..", "../other", "/other", "a/../../other", "a\\..\\other", "%2e%2e/other", "bad\x00key"} {
+		if _, err := JoinKey("customer/documents", ref); err == nil {
+			t.Errorf("accepted %q", ref)
+		}
+		if _, err := JoinKey(ref, "document"); err == nil {
+			t.Errorf("accepted prefix %q", ref)
+		}
+	}
+	got, err := JoinKey("customer/documents/", "passport/front")
+	if err != nil || got != "customer/documents/passport/front" {
+		t.Fatalf("got %q, %v", got, err)
+	}
+}

backend/internal/httpapi/router.go

@@ -0,0 +1,28 @@
+package httpapi
+
+import (
+	"encoding/json"
+	"net/http"
+)
+
+// New is the operational shell. Product routes will be added only with their
+// persistence, authentication and provider adapters, never simulated success.
+func New() http.Handler {
+	mux := http.NewServeMux()
+	mux.HandleFunc("GET /healthz", func(w http.ResponseWriter, r *http.Request) {
+		write(w, http.StatusOK, "ok")
+	})
+	mux.HandleFunc("GET /readyz", func(w http.ResponseWriter, r *http.Request) {
+		write(w, http.StatusServiceUnavailable, "not_configured")
+	})
+	return mux
+}
+
+func write(w http.ResponseWriter, status int, value string) {
+	w.Header().Set("Content-Type", "application/json")
+	w.Header().Set("Cache-Control", "no-store")
+	w.WriteHeader(status)
+	_ = json.NewEncoder(w).Encode(struct {
+		Status string `json:"status"`
+	}{value})
+}

backend/internal/httpapi/router_test.go

@@ -0,0 +1,17 @@
+package httpapi
+
+import (
+	"net/http/httptest"
+	"testing"
+)
+
+func TestOperationalShellDoesNotClaimReadiness(t *testing.T) {
+	handler := New()
+	for path, want := range map[string]int{"/healthz": 200, "/readyz": 503, "/api/v1/session": 404} {
+		w := httptest.NewRecorder()
+		handler.ServeHTTP(w, httptest.NewRequest("GET", path, nil))
+		if w.Code != want {
+			t.Errorf("%s: %d, want %d", path, w.Code, want)
+		}
+	}
+}

docs/architecture/bff.md

@@ -0,0 +1,300 @@
+# Independent SXCHNGE BFF — task #34
+
+## Decision and delivery scope
+
+Build a small, independently deployed Go BFF in `backend/`. Adapt selected Sendico
+code into SXCHNGE ownership; treat Sendico as an external financial provider through
+a versioned partner contract. Use one BFF process initially, with a worker entrypoint
+from the same module when durable asynchronous work is introduced. Do not reproduce
+Sendico's service topology inside SXCHNGE.
+
+This contribution delivers the architecture/reuse audit and a tested operational
+starter. It does **not** implement account persistence, real authentication, email,
+KYC uploads, money operations or a live Sendico adapter. The starter has health
+and explicitly unconfigured readiness endpoints. Selected browser-session,
+opaque-credential and evidence-key components are adapted now; the larger flows
+below are planned extractions, not claims of completed integration.
+
+Audit basis: local `S_I/sendico` checkout, branch `compliance-ingestor-2167`, commit
+`8bb20dcd622dd8eb92d289b6b34411e7eccab083`, inspected 2026-09-12. The checkout has
+unrelated dependency-manifest edits, which were not copied or modified. Findings
+establish source capabilities at that revision, not deployment availability,
+external API support, or production readiness. See [source references](#source-references)
+and [reuse provenance](../../backend/PROVENANCE.md).
+
+## Ownership and separation
+
+```mermaid
+flowchart LR
+    UI[Flutter web / mobile] --> BFF[SXCHNGE BFF\nconsumer API and authorization]
+    BFF --> DB[(SXCHNGE database\nsessions, mappings, commands)]
+    BFF --> MAIL[Email delivery adapter]
+    BFF --> ADAPTER[SXCHNGE Sendico adapter\nDTOs and mapping]
+    ADAPTER --> EDGE[Sendico partner API\nauthenticated customer scope]
+    EDGE --> FIN[Sendico ledger, quotes, payments\nlimits, compliance, inbound]
+    EDGE --> EVENTS[Signed callback delivery]
+    EVENTS --> BFF
+```
+
+| Owner | Responsibilities |
+| --- | --- |
+| SXCHNGE | Consumer accounts/passwords, email confirmation, sessions, language, MFA policy/enrollment, local customer mapping, user authorization, operation intents, idempotency/outbox/inbox, product DTOs and safe status explanations |
+| Sendico | Canonical financial accounts and posted money, spendability rules, currency/rail catalog, quotes/rates/fees, execution/settlement, authoritative limits and reservations, KYC evidence/results, compliance decisions and review workflows |
+| Provider boundary | Authenticated partner principal, organization and customer isolation, stable identifiers, versioned transport, error/status semantics, replay guarantees, signed events and recovery reads |
+
+Sendico integration credentials stay exclusively in the BFF's secret configuration.
+SXCHNGE users do not receive Sendico credentials, internal gRPC addresses, database
+access, or membership/admin privileges on its integration organization. The BFF
+never repairs balances by posting arbitrary ledger entries and never independently
+reserves limits already owned by Sendico's payment execution.
+
+### Three identities must stay distinct
+
+Persist a server-owned mapping from `sxchnge_user_id` to a Sendico provider scope:
+`organization_ref`, `customer_ref`, `compliance_subject_ref`, and, where Sendico's
+ownership contracts require it, `ledger_owner_account_ref`. These fields are not
+assumed equal. The partner integration principal is a fifth, separate identity.
+Use unique indexes for local user/provider and provider organization/customer.
+Provisioning is idempotent using a stable external customer reference.
+
+Do not accept organization, customer, initiator or owner refs from browser payloads.
+Resolve local account/quote/operation IDs under the authenticated user first; send
+only mapped refs. Sendico must enforce the same scope independently. List filtering
+is mandatory before results are returned; direct reads must return the same safe
+not-found outcome for missing and inaccessible objects.
+
+**Blocking contract gap:** the inspected protocols have customer-related fields,
+but no customer provisioning RPC was found. Current ledger/payment ownership is
+expressed with Sendico account refs; current personal-compliance HTTP routes resolve
+organizations owned by the logged-in account. Neither is automatically a delegated
+customer API for many SXCHNGE users under one organization. Establish a supported
+mapping/provisioning facade on Sendico before connecting customer money or KYC.
+Do not create a new Sendico organization per consumer to work around this.
+
+## Reuse decisions
+
+| Sendico starting point | Decision | SXCHNGE adaptation |
+| --- | --- | --- |
+| `edge/shared/auth/browser/browser.go` | Adapted now | Own `browser` package; fixed `__Host-sxchnge_session`, explicit HTTPS origins, server-selected cookie routes, no client-header CSRF bypass, same-site Lax cookie for return navigation; no Sendico error/config imports |
+| `edge/shared/storage/verification/hash.go` | Selected functions adapted now | 32-byte random opaque credentials and SHA-256 storage digests; constant-time matching; no deterministic magic links or short-OTP hashing copied |
+| `edge/shared/storage/s3key/key.go` | Adapted now | Own evidence object-key confinement and errors, additional encoded/backslash/control-character rejection; not an ownership check or local-filesystem sanitizer |
+| `edge/shared/storage/verification/{create,consume,consume_update,db}.go` | Adapt in authentication phase | Account + purpose + operation binding, atomic consumption, expiry checked during reads, idempotent issuance, cooldown/attempt indexes. Replace model/repository/logging/notification dependencies with SXCHNGE contracts |
+| `edge/shared/storage/refreshtokens/{filters,crud,revoke}.go` | Adapt model and persistence patterns in session phase | Session families/versioning, account binding, rotation and revocation; own database and credential format. Do not copy account-bound API-client login wholesale |
+| `edge/shared/.../router/public/{login,refresh,logout}.go` | Adapt flow and tests | Pending login before session issuance; uniform credential failures; confirmed logout and refresh recovery. Preserve password input verbatim, unlike the inspected decoder's trim behavior |
+| `edge/product/internal/server/paymentapiimp/{personal_source,visibility,quote,payquote}.go` | Adapt orchestration/authorization rules | Mandatory customer ownership even when partner has organization-wide rights; request-scoped deadlines, quote-bound execution, safe not-found projection. No BSON/permissions/discovery types in SXCHNGE models |
+| `edge/product/internal/compliance/{read_service,upload_service,submit_service}.go` | Adapt orchestration pattern | Separate status/limits slices, bounded evidence ingestion, ownership, submission idempotency. Replace “account owns organization” assumption with provider customer mapping |
+| `edge/callbacks/internal/signing/service.go` | Implement matching receiver after contract confirmation | Use approved wire algorithm and exact raw-body verification, bounded clock skew, event-ID inbox deduplication, reconciliation reads. Do not copy Vault-backed outbound sender into receiver |
+| Ledger, limits, FX, AML/policy, gateways, treasury, KYC engines | External services | Call the partner facade; no cloned financial/compliance state machines |
+| Sendico `pkg`, generic Mongo repositories, NATS/discovery bootstrapping, BFF router/DI graph | Do not import wholesale | Small local packages and explicit construction; no sibling Go replacements, shared database, submodule, automatic upstream sync or Sendico runtime dependencies |
+
+Reuse includes meaningful tests and behavioral invariants, not just filenames.
+Each extraction records its source commit and intentional deviations. Future
+Sendico fixes are assessed and ported selectively through SXCHNGE PRs. Contract
+fixtures/version checks protect the adapter as the products diverge.
+
+## BFF structure
+
+Use a single Go module and explicit constructor injection. The following is the
+**target layout**; only the shell and three selected foundations exist today.
+Create additional directories when their first use case is implemented.
+
+```text
+backend/
+  cmd/bff/                       HTTP process and graceful shutdown
+  cmd/worker/                    future outbox / provider reconciliation worker
+  internal/httpapi/               routes, HTTP DTOs, mappers, stable errors
+  internal/identity/              users, registration, email confirmation
+  internal/session/               authenticated principal, restore/rotate/revoke
+  internal/verification/          challenges, factors, operation approvals
+  internal/profile/              account preferences
+  internal/wallet/               accounts and spendable-balance projection
+  internal/operations/           quotes, commands, status, history
+  internal/compliance/           KYC and visible limits use cases
+  internal/provider/             narrow customer/financial provider ports
+  internal/sendico/              external DTOs, HTTP client, mappers, contract tests
+  internal/notification/         email delivery port and adapter
+  internal/storage/              SXCHNGE repositories and migrations/indexes
+  internal/jobs/                 durable outbox, event inbox, reconciliation
+  internal/browser/              browser cookie and CSRF policy (exists)
+  internal/credential/           opaque credentials and digests (exists)
+  internal/evidence/             object key confinement (exists)
+```
+
+A handler decodes an HTTP DTO, validates it, maps to a use-case input, and supplies
+the authenticated principal. Use cases own application models and repository/provider
+ports. The Sendico adapter alone converts its external DTOs into these models.
+The Flutter client retains DTO → mapper → service → model → provider → UI;
+provider DTOs do not leak through either boundary. Avoid one interface per function
+or an all-purpose “Sendico service” spanning unrelated capabilities.
+
+Proposed persistence: a separate SXCHNGE MongoDB database/credentials, using native
+driver repositories and replica-set transactions for critical local transitions.
+This preserves useful Sendico persistence experience without importing its generic
+repository module. Collections: users, sessions, challenges/factors, provider
+mappings, quotes, operation commands, outbox and callback inbox. Unique indexes
+scope email, token digest, issuance/idempotency keys and provider events. TTL indexes
+clean up expired data; application checks enforce expiry immediately. Financial
+balances and KYC decisions are not authoritative local records.
+
+Start with the existing deployment's secret facility where available. Do not make
+NATS, Redis, Sendico discovery or direct Vault imports prerequisites for the BFF.
+Email has an independent adapter and durable delivery jobs; adopting an existing
+mail provider does not require adopting Sendico notification/event envelopes.
+
+## Required Sendico services and partner capabilities
+
+The BFF should call a versioned partner HTTP API. The names below are **existing
+internal services**, useful to implement that facade; they are not instructions to
+expose unauthenticated gRPC or for the browser to call them. If a supported partner
+API is already deployed, validate it against this checklist instead of creating a
+second one. No deployed endpoint has been verified in this task.
+
+| Capability needed by SXCHNGE | Existing source capability | Required partner behavior / gap |
+| --- | --- | --- |
+| Partner authentication and customer provisioning | Product account/API-client login and organization provisioning; customer fields in payment/KYC contracts | Confirm server-to-server grant/rotation/scopes. Existing `/login/api` is password + client-secret based, not evidence of OAuth client credentials. Add/confirm idempotent customer registration and canonical owner/subject mapping |
+| Customer currency accounts | `LedgerService.ListAccounts`, `GetBalance`; treasury currency catalog | Enforce mapped customer scope; provision accounts through approved workflow. Return server-defined **available to spend**, currency precision, timestamp/version. `BalanceResponse.balance` alone does not define holds, pending debits or spendability |
+| Rates, fees and quotes | `QuotationService.QuotePayment`, `QuotePayments`, `ListFXDirections` | Bind initiator and required source owner; return immutable fee/debit/credit/expiry quote snapshot, supported directions and exact money representation. An advisory quote is not execution authorization |
+| Exchange and payout | `PaymentOrchestratorService.ExecutePayment`, `GetPayment`, `ListPayments` | Mandatory mapped organization/initiator/source-owner constraints; execute by accepted quote ref; scoped idempotency conflict/replay and lookup by client operation ref. Confirm FX ledger-to-ledger and payout rail availability |
+| Top-up | `inbound.routes.RouteService`, payment methods and gateway capabilities; `inbound.crypto_deposits` for crypto | Return customer-bound funding instructions or hosted payment action. Confirm bank/card rails and incoming attribution. A top-up cannot immediately credit funds merely because the browser submitted a form |
+| Limits and upgrade benefits | `LimitsService.ListVisibleLimits`, `CheckLimit`; reservation lifecycle used by payments | Customer-visible policy including used, remaining, period/reset and verified-tier projection. Policy chooses tier from authoritative KYC. Payments owns execution reservation/commit/release; BFF never double-reserves |
+| KYC evidence and status | `KYCService.SubmitVerification`, `GetVerification`, `Reverify`, `ListVerifications`; existing edge compliance upload/submit | Delegated customer access, passport/selfie evidence roles, retention/access rules and immutable evidence IDs. Confirm manual review/correction/denial transitions and their public reason codes; public KYC proto alone does not expose a manual-review decision RPC |
+| Backoffice review and eligibility | KYC plus `CaseManagementService`, Assessment and Policy | Confirm review routing and authoritative decision application; resolving a workflow case is not itself a KYC approval. Ensure KYC/tier changes feed payment eligibility, rather than assuming the separate KYC service already gates every payment |
+| Status changes and reconciliation | Orchestrator reads, ledger statements, outbound `edge/callbacks` | Signed customer-scoped payment/KYC events, stable event IDs, at-least-once semantics, replay/ordering/version rules, retries and replayable status reads. Polling is a valid initial fallback; missing callbacks cannot leave funds permanently ambiguous |
+
+The current limits README says reservations are in process, but source now requires
+`RuntimeRepository` and applies durable mutations with conflict/retry handling.
+Use implementation and contract tests as evidence; confirm deployed durability and
+restart/multi-instance behavior before money rollout rather than repeating the
+README claim.
+
+## Client-facing contracts to implement
+
+Paths here are proposed **SXCHNGE API**, not existing Sendico endpoints. Keep them
+versioned under `/api/v1`. HTTP bodies use explicit DTOs; product error responses
+carry a stable code, request ID and, where useful, `retry_after` or field codes.
+No raw upstream exceptions or internal compliance evidence are returned.
+
+| Client journey | Proposed BFF operations | Important contract |
+| --- | --- | --- |
+| Registration/email | `POST /registrations`, `/email-verifications`, `/email-verifications/confirm` | Idempotent registration/delivery; explicit unverified state; single-use expiring links; no session from merely creating an account |
+| Login/session | `POST /sessions`, `POST /sessions/complete`, `GET /session`, `DELETE /session` | Credentials return pending challenge or confirmed session; only server can complete it. Restore, expiry, revocation, logout and frontend route guards |
+| Recovery | `POST /password-resets`, `/password-resets/confirm` | Non-enumerating delivery, bounded retries and session revocation policy; do not reuse email-confirmation token purposes |
+| 2FA | `GET /security`, `POST /security/challenges`, `POST /security/challenges/{id}/verify`, `/resend`, `PATCH /security` | User/session/purpose/operation-bound challenges and server-selected methods. Verified enable/disable; future TOTP setup is pending until a valid code confirms the secret |
+| Preferences | `GET /profile`, `PATCH /profile` | Server-owned account language and validated mutable fields |
+| Accounts/limits | `GET /accounts`, `/accounts/{id}`, `/limits` | Available balance only in primary UI; current usage and upgrade benefits from service; distinguish unavailable/stale from zero |
+| Money | `POST /quotes`, `POST /operations`, `GET /operations`, `/operations/{id}`, `/operations/by-key/{key}` | Exact immutable quote, server confirmation proof, scoped idempotency and non-final acceptance. Funding instructions/hosted-action state where required |
+| KYC | `GET /identity`, `POST /identity/uploads`, `POST /identity/submissions` | Bounded content validation and customer ownership; two evidence roles; idempotent submission; status, correction requests and denials |
+
+Define money on the wire as decimal-string minor units plus currency and scale;
+map into checked application types. Never use floating-point amounts or unchecked
+JavaScript-sized integers. Existing Flutter models use integer minor units; their
+mappers must reject unsupported precision/overflow. Never invent balances, fees,
+limits or rates on provider timeout.
+
+Current Flutter stubs need targeted extensions during integration: a session model/
+provider and HTTP transport; typed funding methods/recipients instead of the current
+free-text recipient; `requiresAction`/funding instructions and settlement-aware funds
+status. Keep the three broad operation states if useful visually, but represent
+awaiting funding, review, execution, cancellation/reversal and returned funds in
+models so “failed” cannot incorrectly promise that money has already returned.
+The current `GuardedLoginService` is a local stand-in: replace it with the BFF's
+pending-login contract, not a production client that mints its own pending session.
+There is no public endpoint that simply trusts `authorize(purpose, operation)`;
+the BFF consumes proof as part of the protected server-side action.
+
+## Critical transaction and identity flows
+
+### Authentication and verification
+
+Registration owns local credentials, confirms email, then idempotently provisions
+or resumes the provider mapping. An incomplete provider mapping can yield an
+explicit “account setup pending” state without losing the local registration.
+No money access until mapping is confirmed; the optional unverified KYC state
+still receives whatever basic policy Sendico returns.
+
+Adapt Sendico's pending-login and durable consumption patterns into SXCHNGE-owned
+models. Browser routes use an HttpOnly Secure host-only opaque session cookie;
+unsafe requests require an exact allowed Origin plus the CSRF header, independently
+of client transport hints. SameSite Lax permits safe return navigation from email;
+state-changing confirmation still requires POST validation. Production sits behind
+HTTPS. Native mobile uses a separate server-selected token transport with secure
+platform storage and rotation/revocation, not browser-origin bypass flags.
+
+Scope challenges by user, session/pending-login, purpose, operation ID and method.
+Use independent purposes for login, email, password reset and setting changes.
+Use durable attempt/cooldown state across instances; a resend must not reset the
+attempt budget. High-entropy token digests can reuse the extracted helper; numeric
+codes need a separately keyed verifier and strict attempt controls, never this
+helper as a password/OTP hash. Future TOTP secrets require encryption, confirmed
+enrollment, bounded clock drift/replay controls and recovery before availability.
+
+### Money execution without duplicate payment
+
+1. Resolve the authenticated customer and source/destination ownership server-side.
+2. Obtain a Sendico quote carrying the mapped initiator and mandatory source-owner
+   constraint. Persist its local ID, user, provider ref, expiry and exact snapshot.
+3. Bind the user's verification to that quote and action. A changed amount,
+   recipient, account or expired quote requires fresh review and authorization.
+4. In one **local database transaction**, validate/consume approval and insert the
+   immutable operation command, scoped idempotency key, request digest and outbox
+   job. Reusing the key with another payload is a conflict. Replaying the same key
+   returns the same command before checking an already-consumed approval.
+5. A worker submits the stored command using the same provider idempotency key.
+   Sendico rechecks ownership, quote validity, eligibility, spendability and limits.
+   A BFF approval does not override provider policy.
+6. If a response is lost, reconcile by the provider/client operation reference;
+   retry only under Sendico's documented idempotency contract. Never create a new
+   key merely to escape uncertainty. A crash after approval consumption is recovered
+   by the persisted outbox, not by asking for and spending another authorization.
+7. Persist observed status/version and correlate events; update balances/limits from
+   authoritative reads. Pending/manual review is not completion, and failed/reversed
+   status must describe whether funds actually returned. Callback duplicates and
+   out-of-order events must not regress terminal state; ambiguous order triggers a read.
+
+There is no cross-database atomic transaction with Sendico. Durable commands,
+idempotent provider execution and reconciliation are the explicit bridge. This
+behavior must be proven with an “accepted upstream, response lost” contract test.
+
+### KYC and operational observability
+
+Use customer-bound private evidence references; validate size/type/content and
+read access before forwarding to the provider. Do not pass arbitrary public URLs,
+local file paths or untrusted object keys. If uploads stage in SXCHNGE, lifecycle,
+retention, orphan cleanup and delete responsibility must be explicit; prefer
+provider-issued scoped upload intents when supported. Passport and selfie are
+separate evidence roles in one idempotent submission. Backoffice decisions remain
+in Sendico; project only safe actionable reasons and the resulting limits.
+
+Correlate requests, local commands and provider IDs on the server with structured
+logs. Record provider latency/errors, outbox lag, reconciliation age, callback
+retries and final outcomes. Exclude passwords, codes, cookies, documents, recipient
+payloads and secrets. Existing dummy analytics remains a client sink; backend
+settlement evidence supplies real outcomes, not browser “submitted” events.
+
+## Implementation sequence and acceptance gates
+
+| Phase | Deliverable | Exit evidence |
+| --- | --- | --- |
+| 0 — this task | Audit, reuse choices, independent shell and primitives | Unit/race tests, Go formatting/vet, no Sendico imports/replacements, source provenance |
+| 1 — provider contract agreement | Customer provisioning/mapping, scoped access, spendability, quote/payment replay, KYC review and callback contract | Sandbox fixtures/API schema and two-customer isolation tests; determine whether existing partner edge can be extended |
+| 2 — own authentication | Mongo repositories, email outbox, signup/email/login/session/2FA/recovery plus Flutter adapters/guards | Restart-safe consumption and delivery, session isolation/revocation, no session before required factor, web/mobile transport tests |
+| 3 — read-only provider integration | Customer mapping, currency accounts, profile, limits, KYC status | Available-money semantics, no cross-customer list/direct reads, safe unknown/error handling, contract version validation |
+| 4 — first money slice | One supported top-up rail followed by exchange and payout, recipient/funding UI extensions | Provider-confirmed credit/debit, fees and expiry; idempotent concurrency and lost-response recovery; funds explanations match actual statuses |
+| 5 — evidence/review integration | Passport/selfie uploads, backoffice review, correction/deny, policy propagation | Customer isolation, evidence lifecycle, review-driven limits change and execution policy enforcement |
+| 6 — rollout | Deployment, migrations, secret rotation, health/readiness, reconciliation operations and event delivery | Sandbox end-to-end runs, restart/recovery drills, ownership tests on every public resource and explicit supported-rail configuration |
+
+Authentication work can proceed while the provider contract is agreed. Do not block
+it on cloning financial services. Conversely, no live money rollout until the scope,
+spendability, idempotency and settlement contracts are verified. Keep each phase in
+its own task/PR; Sendico-side facade work is a separate provider contribution.
+
+## Source references
+
+All paths below are in the audited Sendico revision; links pin that revision.
+
+- [Browser transport](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/auth/browser/browser.go), [verification hashing](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/storage/verification/hash.go), [evidence keys](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/storage/s3key/key.go).
+- [Pending/API login](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/internal/transport/http/router/public/login.go), [session binding](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/storage/refreshtokens/filters.go), [verification indexes](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/shared/storage/verification/db.go).
+- [Ledger contract](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/proto/ledger/v1/ledger.proto), [payment visibility](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/product/internal/server/paymentapiimp/visibility.go), [personal source constraints](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/product/internal/server/paymentapiimp/personal_source.go).
+- [Quotation](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/proto/payments/quotation/v2/quotation.proto), [orchestration](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/proto/payments/orchestration/v2/orchestration.proto), [inbound routes](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/proto/inbound/routes/v1/routes.proto).
+- [Limits projection](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/proto/limits/v1/limits.proto), [durable mutation implementation](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/limits/internal/service/limits/reservation_mutation_persistence.go), [required runtime storage](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/limits/internal/service/limits/service.go).
+- [Personal-compliance ownership](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/product/internal/server/accountapiimp/compliance.go), [KYC](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/proto/compliance/kyc/v1/kyc.proto), [case workflow](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/proto/workflow/case/v1/case.proto), [callback signing](https://git.sendico.io/S_I/sendico/src/commit/8bb20dcd622dd8eb92d289b6b34411e7eccab083/api/edge/callbacks/internal/signing/service.go).

docs/implementation.md

@@ -362,3 +362,36 @@ See [the UX and measurement contract](ux/two-factor.md) and
 Delivery: [PR #33](https://git.sendico.io/tech/sxchnge/pulls/33) targets `main`;
 committed and pushed, unmerged. Issue #32 and PR #33 metadata verified: frontend
 label, tech owner and SXCHNGE project. No stacked dependencies.
+
+## Independent BFF plan and Sendico reuse — task #34
+
+Audited `S_I/sendico` at `8bb20dcd622dd8eb92d289b6b34411e7eccab083` without
+modifying its unrelated working-tree dependency edits. The
+[BFF plan](architecture/bff.md) records source-backed reuse choices, independent
+ownership, target structure, proposed Mongo persistence, client/API mapping,
+required provider services and phased acceptance criteria. Source availability
+is distinguished from supported/deployed external APIs.
+
+The main provider gaps are delegated customer provisioning/owner mapping, a
+spendable-balance projection, customer-scoped compliance access/manual review,
+and verified payment/callback replay contracts. Existing quotation/orchestration
+owner constraints and durable limits mutation code can underpin the provider
+facade. Sendico's personal-compliance ownership assumptions and stale limits
+README are called out explicitly. Sendico remains authoritative for financial
+execution, limits and compliance; the BFF does not clone those engines.
+
+Created a separate Go module and operational shell under `backend/`, plus adapted
+browser cookie/CSRF policy, opaque credential generation/digests and evidence-key
+confinement. [Provenance](../backend/PROVENANCE.md) pins source blobs and deviations.
+No Sendico imports, sibling replacements, external Go modules, shared database
+access or live provider calls. The starter exposes health and deliberately 503
+readiness; authentication, persistence and financial product routes remain planned.
+Root/backend README and backend guidelines describe the current scope.
+
+Validation: `make test-backend` (race-enabled tests across four packages),
+`make lint-backend` (gofmt/vet), `go build` and `git diff --check` passed.
+CLI smoke verified health 200, readiness 503, unimplemented session 404 and SIGTERM
+exit 0. Module/dependency inspection confirms standard-library-only dependencies.
+Pinned source paths, source blobs and local documentation links were checked.
+Reviewed all new backend files and the task diff. No Flutter code changed;
+frontend tests and security scans were not run for this backend starter/plan task.