Twill Brain

Daily Log 2026-03-03

3 min read

Daily Surprise — T-066 (12PM PST Cron)

T-066: Twill Portfolio Exchange — Agent Book-of-Business Marketplace

  • Added to board.json as backlog, p1
  • Assignees: mike, overthinker
  • Tags: marketplace, agents, capital, feature, flywheel, business-model
  • Added to surprise_ideas array for 2026-03-03
  • Pushed: commit 5f72a62 — 69 tickets synced
  • First next step: Mike confirms market reality from 12yr experience. Nader confirms agent_id reassignment feasibility in DB.

Fireflies Transcript: Project Alpha Kickoff (2026-03-03)

Summary: Initial meeting for Project Alpha, outlining goals and immediate actions. Team discussed resource allocation and timelines. Key Participants: Alice, Bob, Charlie Action Items:

  • Alice to finalize resource allocation document by EOD
  • Bob to draft initial project proposal for review
  • Charlie to schedule follow-up meeting for next week Morty Mentions: “look into the budget for Project Alpha”

Merchant Application Field Mapping — Luqra (Application #2) (2026-03-03 ~2:59 PM ET)

Context: Follow-up to March 3 tech sync action items around DocuSign/Docusel integration. Michael Wright shared two partner PDFs in Slack ground-control. Application #1 = Kurv/EMS (analyzed earlier). Application #2 = Luqra (Evolve Bank & Trust / TSYS).

Luqra MPA: 3-page form, © 2023 Luqra, ISO/MSP of Evolve Bank & Trust (Memphis, TN). Version v7.2023.

Luqra Field Inventory (by section):

  • Header: MCC, Agent Code, Agent Name, MID
  • Section 1 (Business Info): Legal Name, DBA, Primary Contact, Website, Customer Svc Email, Location Address, Billing Address, City/State/Zip (both), Business Phone, Federal Tax ID, Contact Phone, Contact Email, Corporate HQ checkbox
  • Section 2 (Beneficial Ownership, up to 5 owners): Name, Title, DOB, SSN, Passport # (non-US), Home Address, City/State/Zip, Cell Phone, DL #, DL State, Equity %, Controller checkbox, Entity Type (Sole Prop/Corp/Partnership/LLC/Govt/501C)
  • Section 3 (Business Profile): Established Date, State of Incorporation, Monthly Volume (Visa/MC/DS), Monthly Volume (Amex), Avg Ticket, Highest Ticket, Ownership Change checkbox, Additional Location checkbox, Never Accepted Cards checkbox, Processor Change (#statements), 1st Location MID, % Card Present, % Keyed, % MOTO, % Internet, % B2B, % International Cards, Products/Services Description
  • Refund Policy: No Refund / Exchange Only / 30-day / Other; Seasonal Sales Y/N; Closed Months (Jan–Dec)
  • Section 4 (Signatures): Owner 1 & 2 — Print Name, Signature, Date

Key Differences — Luqra vs. Kurv (EMS):

  • Luqra adds: MCC, Agent Code/Name, MID header fields; Passport # for non-US owners; Controller checkbox (separate from equity owner); Entity type per-owner; % B2B; % International Cards; Monthly Amex volume; Seasonal/Closed months
  • Kurv has: Bank account info (routing/account #) and Fees/Schedule — Luqra does NOT include these in the MPA (likely separate Schedule A + voided check exhibit)
  • Both missing: embedded W-9 (separate doc)

New Twill Backend Gaps (Luqra-specific):

  • Entity type (Sole Prop, Corp, LLC, etc.) — no Twill backend field, gap to track
  • Controller flag (officer-level) — partial overlap with signing_app but semantically different
  • % B2B, % International — no backend fields, document-only for now
  • Agent Code / Agent Name — ISO partner fields, not merchant-level
  • Seasonal Sales / Closed Months — not in backend schema

DocuSign integration anchors (unchanged from Kurv analysis):

  • Officer-level: signing_app (bool), personal_guarantor (bool)
  • Merchant-level: signing_url, signed_at

Staging API context (carried forward):

  • Base URL: https://ca-staging-twill-facade-v2.lemonocean-a6b1eefd.eastus.azurecontainerapps.io/api/v1
  • Supabase URL: https://bkibzsvmflcbuuqoogzf.supabase.co
  • Example merchant: Lena Brands (e6a8b131-29e5-439c-8736-159db3c42243)
  • Creds file: /data/.openclaw/twill_staging_creds.json

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