The systemPlays
Twelve plays cover every recurring situation in the pilot — verify, screen, insure, settle, contract, survive, protect, move money, fill, sprint, recruit, expand. Organized by trigger. Run them in order the first time; after that, call by number.
| Play | Name | Trigger — call this when… | Gates |
|---|---|---|---|
| 01 | Verify the pro | a new pro applies | O1 · T3 |
| 02 | Run the background screen | a pro passes licence check | V2-S2 |
| 03 | Insure the job | a pro is verified | O2 |
| 04 | Settle a dispute | a complaint or dispute opens | O11 · <3/100 |
| 05 | Write the contract | any job completes | O12 |
| 06 | Survive an outage | intake errors >1% or job-dump >60s | O5 · O6 |
| 07 | Run a safe job | any dispatch | O4 |
| 08 | Move the money | any booking | O7 · O8 · O9 · O10 |
| 09 | Fill the day | daily caps lock at 06:00 | D1 · D6 · D3 · D7 · leakage |
| 10 | Run the sprint | W0 — 1,000 jobs in 7 days | O14 + all S4 |
| 11 | Recruit supply | W−3 through W−1 | O1 · E3 |
| 12 | Open metro #2 | Richmond clears S9 | E1–E6 |
01
Verify the pro
No licence, no dispatch. Verification is a gate, not a form.
- Pull the company licence class + QI (Master) and each tech's individual card in DPOR LicenseLookup. Municipalities issue permits, not trade licences.
- Match the trade to its credential: Plumbing — Journeyman does the work, Master supervises (Residential Plumber licence exists since Apr 1, 2025). Water-heater replacement = plumbing work, never exempt at any dollar (18VAC50-30-10 §12). Electrical — Master/Journeyman ELE. HVAC — HVA contractor + Master HVAC tradesman (REF for refrigeration-only). Gas — GFC; LP gas fitter per §54.1-1128.
- Appliance repair & handyman: no VA state licence for jobs ≤$1,000 (Class C floor, §54.1-1103). Jobs >$1,000 need Class C+. Never split jobs — misdemeanor + $500/day.
- Any lapse or flag on any check → the tech is never dispatched. Re-verify automatically at dispatch (auto-check or nightly batch).
Checks
O1 ≥120 ACTIVE by W0T3 re-verify 100%T4 no-split ack 100%
Audible
AUDIBLE — HOLD: lapsed licence or COI dispatched → hold the tech + freeze that trade/zip until the class passes.
Film
02
Run the background screen
Free screens now; paid depth later — the hard screens never move.
- Run the free screens: NSOPW + VA State Police registry (hard screen #1), OFAC (hard screen #2), VA Courts OCIS 2.0 in the pro's home counties, DPOR disciplinary history. Target 250 screens in flight.
- Collect pro self-disclosure + consent. If a pro wants denser screening, they pay for their own Checkr/GoodHire report (~$55) — Fixxo never fronts it.
- Funded mode: Checkr Essentials batch (SSN trace + 7-yr county criminal + national DB + federal + MVR + sex-offender + OFAC), 2–5 day turnaround. Both hard screens stay on top of the vendor result regardless.
- Any hit on a hard screen → never activate, regardless of source.
Checks
V2-S2 KYC/OFAC 100% ACTIVEO1 pipeline ≥120
Audible
AUDIBLE — KILL: sex-offender or OFAC hit → never activate. Any other flag → escalate to paid check before launch.
Film
03
Insure the job
Read the COI like an adjuster. A lapsed certificate suspends the pro the same day.
- Require on the ACORD 25: GL $1M/$2M + completed-ops CG 20 37 + additional-insured CG 20 10 + waiver of subrogation + auto $1M CSL. Read it manually at pilot scale; TrustLayer automation once GMV funds it.
- Police the VA workers'-comp line: WC required when an employer regularly employs 3+ (statutory-employer aggregation, §65.2-302). Sole props exempt. Penalties reach $50K + $250/day.
- Know the backstop: licensed pros pay into the VA Contractor Transaction Recovery Fund — consumers recover up to $30K/claim on judgments (§54.1-1118/1120/1123).
- Platform GL/E&O/cyber: deferred in Zero-Capital (carried by escrow + reserve + cure-offer + Recovery Fund), bought W1 in Funded.
Checks
O2 ACORD 25 current 100%
Audible
AUDIBLE — SUSPEND: COI lapses → pro suspended that day. Highest-risk jobs (slab leak) go to master-techs only while platform cover is deferred.
Film
04
Settle a dispute
Resolve in-platform before anything reaches DPOR or a courtroom.
- Tier 0 (automated): status pings, self-serve reschedule, photo/QC checklist, auto-refund on pre-dispatch no-show.
- Tier 1 (ops reps — 2 by week 2, 1:600 jobs/wk): booking issues, reschedules, small claims ≤$300 auto-resolve + cure-offer template.
- Tier 2 (disputes/claims): guarantee claims, QC failures, VCPA-sensitive items — logged to
disputes. - Before the first responsive pleading, issue the VCPA cure offer: ≥10% of loss (min $500, max $4,000) — this caps exposure (actual damages or $500, trebled if willful, + fees under §59.1-200; subdiv 16 = disclose all fees upfront).
Checks
O11 cure ≤5d 100%disputes <3/1000 open >14d
Audible
AUDIBLE — SUSPEND: disputes ≥3/100 → suspend that trade same day, triage team in, cure-offers out.
Film
05
Write the contract
No signed contract, no job. The paper is the product's legal rails.
- Every job gets a signed written contract per 18VAC50-22-260(B)(8)-(9): dates, price type, fee schedule, materials, cancellation rights, DPOR protection statement, Recovery Fund notice, licence #/class/classifications, change-order rule.
- In-person sale → HSSA 3-business-day right to cancel with notice form (§59.1-21.3). Failure keeps cancellation open indefinitely. Emergency = signed waiver flow.
- Reviews: transaction-linked verified reviews only — no fake/AI reviews, no suppression, no incentive-conditioned sentiment (FTC 16 CFR 465; vicarious liability for vendors).
- Data & SMS: VCDPA opt-out + 45-day response; precise geolocation = affirmative opt-in; no sale of geolocation (ban Jul 1, 2026). TCPA: prior express written consent per brand, records ≥4 yrs, honour STOP ($500–1,500/message).
- Refunds: no VA statute constrains service refunds outside home-solicitation — Fixxo SLA is refund/credit in 5–10 business days.
Checks
O12 contract upload 100%V2-L1 VCDPA 45d 100%V2-L2 consent 100%
Audible
AUDIBLE — STOP: missing contract → job does not start. TCPA consent gap → halt that channel.
Film
06
Survive an outage
99.9% availability; intake never fully down — the phone is the fallback, not an afterthought.
- DETECT — alert on intake error-rate >1% or job-dump >60s. RESPOND — on-call engineer + ops lead.
- COMMUNICATE — status page + SMS to active jobs. ROLLBACK — feature-flag off / restore snapshot (per-category flags = per-category blast radius).
- Degraded mode: intake phone line + operator console books jobs, logs to R2/queue, replays on recovery; dispatch continues human-in-the-loop.
- POSTMORTEM — root cause + gate re-check. Maintenance only midweek 1–3am, never pilot week without flag-off fallback. Stack: Workers/Pages, D1 + KV + Queues + R2, Turnstile; free-tier logs (Funded: RDS Multi-AZ, SQS/S3, Redis, Sentry + Datadog/Grafana).
07
Run a safe job
Zero safety incidents per thousand jobs. The checklist is the job.
- Pro shows ID + badge matching the verification photo; run the pre-visit safety checklist (gas/water/electrical flags); take before/after photos on every job; never leave water/gas/electric hazardous.
- Gas work → shutoff + leak check. Water-heater/slab-leak → moisture/flood containment (VIP wedge ticket $2,800–9,500). Electrical → licensed ELE tech only.
- Flag vulnerable owners (single-occupant/elderly/children-in-home) → background-secure vetted techs; no unsupervised access to minors; sex-offender screen is a hard gate.
- Emergency (gas/fire/flood): app button routes to 911 + gas-shutoff instructions; ops lead notified; job escalates to senior tech. Home-profile data needs VCDPA affirmative opt-in; leak sensor on membership = early-stop claims.
Checks
O4 0 / 1,000fix ≥85% doubles as safety gate
Audible
AUDIBLE — HALT: any safety incident → halt that tech immediately, re-inspect within 24h.
08
Move the money
Sub-1% loss. Every loss capped by escrow + reserve + cure-offer. "No loss at all" is not a claim we make.
- Customer pre-authorizes at booking → funds sit in Stripe PaymentIntent (held). Job performed + QC passed → capture → held payout until the dispute window (~72h) → release.
- Sweep 5% of GMV to reserve weekly; never pay a claim against an unseeded reserve.
- Run the fraud rails: velocity/limits on new accounts, card-testing detection, KYC + bank-account ownership (OFAC hard screen), collusion detection, refund-laundering guard, no cash, max job value per non-vetted account.
- Defend chargebacks with an auto-attached evidence package (booking, signed SOW, QC photos, completion proof). Take-rate 15–18%, min $25/job; membership attach week 3.
Checks
O7 loss <1% GMVO8 reserve ≥5%O9 payout 3–7dO10 <3/1,000F1/F2/F4
Audible
AUDIBLE — STOP: loss >2% → stop intake that trade. Chargebacks >6/1,000 → tighten velocity. Payout >14d → churn risk, escalate.
Film
09
Fill the day
Intake is capped by supply, not demand. Over-booking + undermanaged quality is how marketplaces die.
- Partner channels first — PMs + landlords vending routine maintenance (batchable weekday fills).
- Nextdoor (Richmond/Carytown/Manchester/Fan) + Facebook groups organic, consent-compliant.
- Flyer drops in the 5 zips. Referral loop — $25 credit both sides, revenue-funded only. Realtor/PM closing-gift vouchers.
- Keep the per-zip CAC ledger honest and weekly. Paid demand is FORBIDDEN until the W6 gate — LSA only after availability + CPC test (Richmond availability unverified), Meta geo-targeted, blended CAC <$45.
Checks
D1 CAC <$45D6 partner ≥30%D3 reviews >50%D7 caps by 06:00leakage ≥85%
Audible
AUDIBLE — PAUSE: leakage <85% → pause all ads. Demand > supply → cap intake. CAC breach 2 cohorts → kill the channel.
10
Run the sprint
1,000 completed jobs in 7 days across 5 zips, quality held. ≈143/day.
- Capacity math (revalidate W−2): 120–200 ACTIVE pros × 2.3 jobs/pro/active day ≈ 1,000–1,150/week. 15% over-booking band + 5 fallback pros/cluster. Never beyond the quality buffer.
- Day ramp (intake caps): Day 1: 80 → 2: 110 → 3: 130 (dispatch automation >80% must be live or hold) → 4: 145 → 5: 160 → 6: 175 (membership attach starts W3) → 7: 200 = 1,000 cumulative.
- Daily rhythm: 07:00 standup (fix%, on-time, disputes, payout timing + today's cap by zip) · 12:00 dispatch health (AI-routed ≥80%, zero stranded >2h) · 18:00 capacity re-check · Friday weekly S7 scoreboard.
- Escape hatches (same-day): fix <85% → freeze trade/zip · disputes ≥3/100 → suspend trade · no-shows >8% → tighten reminders · pro score <4.2 → deactivate · financial gate breach → hold intake.
Checks
O14 1,000 donematch ≥60%fill ≥80%fix ≥85%on-time ≥90%leakage ≥85%
Audible
AUDIBLE — HOLD: Day-3 AI-routed ≤80% → hold the cap, do not ramp.
11
Recruit supply
120 verified pros before day one. Supply is the hard asset; everything else is commentary.
- W−3: Register VA foreign LLC (SCC, $100 — the only unavoidable cash) + DIY agent + Richmond BPOL. Start DPOR LicenseLookup verification flow (PLB/RES, ELE, HVA + QI mapping) + COI requests.
- W−2: Run free screens (NSOPW/OFAC/courts/DPOR) + skills video + references. Funded: Checkr/GoodHire batch (~$55/pro) lands in 2–5 days.
- W−1: 120–200 ACTIVE; per-zip supply map; 5 fallback pros/cluster. Recruit 5–8 property-management partners + 10 realtors on free partnership terms. Launch flyer + Nextdoor + FB organic across the 5 zips.
- Call the verified list — numbers captured this pass, reconfirm before dialling. BBB Richmond shows 4,170 plumber results: the pipeline is deep.
Checks
O1 ≥120 ACTIVEE3 ≥5 fallbacksLLC + BPOL filed
Audible
AUDIBLE — HOLD: <120 verified by W−1 → push the sprint a week. Never launch short on supply.
Film
| Trade | Company | Phone |
|---|---|---|
| Plumbing | Kelleher Corp | 804-649-7501 |
| Plumbing | Bradley Mechanical | 804-292-0921 |
| Plumbing | Advanced Plumbing | 804-358-6723 |
| Plumbing | Nuckols | 804-372-8220 |
| Plumbing | Carroll P&H | 804-358-6322 |
| Plumbing | H2O PRO | 804-229-1556 |
| Plumbing | Chase Inc | 804-745-3864 |
| Plumbing | M.A. Williams | 804-230-7240 |
| Appliance | Broughton Appliance Service | 804-266-7082 |
| Appliance | CK Appliance Repair | 804-288-1199 |
| Appliance | Appliance Doctor (Glen Allen) | 804-441-2414 |
| Handyman | RVA Handyman | 804-309-8744 |
| Handyman | All American Handyman RVA | 804-252-8498 |
12
Open metro #2
Depth before breadth. No zip opens until Richmond's gates clear.
- Recompute metro O-scores under documented weights (flag legacy rows for recalibration). NoVA ≥0.65 before a dollar of spend.
- Confirm Fairfax BPOL threshold (>$25K/yr out-of-county) from primary sources — hold the launch if unresolved at W−3.
- Run the supply-depth study (BBB counts, DPOR pulls): 120–200 ACTIVE + ≥5 fallbacks before ramp; demand-density scored per zip.
- Re-run the W−3→W0 ops clock as the second-metro checklist — 100% ticked before caps open. Flank rule: after liquidity ≥200 jobs, add ELECTRICAL then WATER-HEATER; CORE gates block flank expansion.
Checks
E1 S9 all GREENE2 NoVA ≥0.65E3 ≥5 fallbacksE4–E6 density·checklist·regulatory
Audible
AUDIBLE — FREEZE: any Richmond S4/S8.x breach → freeze NoVA beyond desk research. O-score <0.45 → postpone.
Two-second lookupAudibles
When the defense adjusts, you don't re-read the play — you call the audible. Every threshold below fires the same day it trips, no meeting required.
| When you see… | Call… | Who calls it |
|---|---|---|
| Fix rate <85% in a trade/zip | HOLD — freeze that trade/zip intake; requalify techs | QA |
| Disputes ≥3 per 100 jobs | SUSPEND — suspend that trade; triage team in, cure-offers out | QA + Legal |
| Loss >2% of GMV | STOP — stop intake for that trade | Finance |
| Chargebacks >6 per 1,000 | TIGHTEN — velocity rules up, evidence review | Security |
| Payout aging >14 days | ESCALATE — pro-churn risk, owner paged | Finance |
| Leakage <85% | PAUSE — pause all demand spend until rails fixed | Demand |
| Job unassigned >2h | HUMAN — forced human dispatch, page ops lead | Data/AI → Ops |
| Safety incident (any) | HALT — halt that tech, re-inspect within 24h | QA + Training |
Wristband · print thisCall Sheet
The game-day card. Tape it to the standup wall. Everything below fits on one printed page.
FIXXO · Richmond pilot · game day
Zips 23220 · 23226 · 23233 · 23236 · 23113 — caps locked 06:00 daily
Today's posture
- Intake cap: supply × quality, never demand
- Day-3 check: AI-routed ≥80% or hold
- Paid demand: FORBIDDEN until W6
- Money: loss <1% · reserve ≥5% · payout 3–7d
Gates that matter today
- Fix ≥85% · On-time ≥90%
- Disputes <3/100 · Leakage ≥85%
- Contracts 100% · Cure ≤5d
- Safety 0/1,000 · Uptime ≥99.9%
If it breaks
- Quality slip → HOLD trade/zip
- Disputes spike → SUSPEND trade
- Loss spike → STOP intake
- Outage → DEGRADE to phone + console
- Stranded job → HUMAN dispatch
S7 weeklyScoreboard
Fill w1–w13 from the kpi_snapshots warehouse weekly; label GREEN / AMBER / RED against target. Flank rule: after liquidity ≥200 jobs, add ELECTRICAL then WATER-HEATER — CORE gates block flank expansion until met.
| KPI | Target | Gate |
|---|---|---|
| O1 · Pros ACTIVE, verified, Richmond | ≥120 by W0 (stagger complete pre-W1) | VA_VERIFY |
| O2 · COI + GL + AI endorsements monitored | 100% ACORD 25 current | S8.4 |
| O3 · Water-heater share of plumbing jobs | ≥15% | trade mix |
| O4 · Customer safety incidents | 0 / 1,000 jobs | SF-gate |
| O5 · Availability | ≥99.9% | us-east-1 / CF edge |
| O6 · Degraded phone-mode drill | 1 / month | SLO |
| O7 · Loss rate (refund + claim + fraud) | <1% GMV | s5.3 |
| O8 · Reserve floor | ≥5% GMV | s5.3 |
| O9 · Payout QC t-minus | 3–7 days | s5.3 |
| O10 · Chargebacks | <3 / 1,000 | s5.3 |
| O11 · VCPA cure-offer within 5 days | 100% of disputes | s2.2 |
| O12 · Written-contract upload | 100% of completed jobs | s2.1 |
| O13 · Auto-route on-time (slot-level) | ≥90% | S4 |
| O14 · 1,000-jobs sprint done | 1,000 completed jobs | day-7 gate |
PersonnelWho owns what
Twelve seats, one owner each. At pilot scale most are hats worn by the ops lead plus autonomous agents — not hires. QA reports to the CEO, never to CS. Full charters (mandate, responsibilities, cadence, funded upgrades) live in DEPT_CHARTERS.md §4.
Legal & Compliance
Agent-Vulcan-Law → CEO/ops lead · W0
O11 · O12 · V2-L1–L3
DPOR lifecycle, VCPA cure choreography, contracts, consent, reviews, trademark clearance.
Security & Fraud
Agent-Sentinel-Vault → CEO/ops lead · W0
O7 · O8 · O10 · V2-S1–S4
Velocity rails, KYC/OFAC hard gate, collusion flags, PCI scope 0, reserve compliance.
Accounting / Finance Ops
Agent-Custodio-Cash → CEO/ops lead · W0
O7 · O8 · O10 · F1 · F2 · F4
Double-entry escrow books, 5% reserve, 3–7d payouts, 1099-NEC programme.
Training & Certification
Agent-Janus-Gate → CEO/ops lead · W0
O1 · O2 · T1 · T3–T5
Onboarding stack, DPOR re-verify at dispatch, COI course, no-split training, 48h re-qualification.
Quality Assurance
Agent-Samwise-Standards → CEO (NOT CS) · W0
O4 · O13 · Q1–Q4 · S8.1
QC every job pre-capture, leakage floor, score <4.2 deactivates same-day.
Demand / Content
Agent-Wren-Reach → CEO/ops lead · W0
D1 · D3 · D6–D8
Partner pipeline, organic calendar, flyers, referral loop. Paid FORBIDDEN until W6.
Engineering / Product
Cass “RELAY” Ortiz · W0
O5 · O6 · R1–R4
Free-tier stack, flags <15-min rollback, runbook owner, Day-3 AI gate.
Data / AI
Anika “RIC” Rao · W0
S8.2 · A1–A6
Dispatch decision-center, pricing engine, kpi_snapshots warehouse, escape hatch >2h.
Expansion Ops
Marcus “MAPS” Vale · W0 (desk)
E1–E6 · S9
O-score hygiene, NoVA BPOL confirm, supply-depth studies, zero expansion spend pre-gate.
Membership / CS
Marcela Ruiz · W0 prep → W4+
M2 · M7 · MA · MNR · MS · MD
Warranty vault, sensor monitoring, renewals. Week-3+ attach, never day-1.
Parts / Supply
Dan “No-Float” Kowalski · W0 prep → W4+
P1–P5 · O14
Parts-hold at tech level, zero inventory, slot opens only on confirmed parts.
Marketing
Priya Venkatesh · organic → W6+
D3 · K1–K5
Organic → referral → SEO → paid only post-CPC-test. CAC <$45 blended.
Command rule: no department spends a dollar Fixxo does not already hold in escrow. Zero-Capital spends only the ~$100–150 admin floor (VA foreign LLC + one BPOL).
ProductSurfaces & design system
41 screens — 28 across three surfaces plus 13 state variants. White canvas, near-black ink, one purple accent (#6D28D9). Full spec: screen index.
| Surface | Audience | Screens | Job to be done | Open |
|---|---|---|---|---|
| Customer | Homeowner | 10 | Chat intake → AI reads the photo → scoped brief → matched & assigned → escrow → approve | Chat flow |
| Provider | Vetted technician | 12 | Verify → state your own matching rules → priced offers → run → photo QC → paid | Provider set |
| Ops | Fixxo internal | 6 | HITL dispatch · degraded phone intake · verification · risk · disputes · weekly gates | Ops set |
Brand · Supply · WomenBrand, supply sourcing & the women-first pilot
The brand contract
Two documents govern everything visible: BRAND.md and DESIGN.md, with the visual reference and the mark. Voice is plain-spoken and numeric; three hues maximum; three typefaces; no gradients; no emoji.
Supply sourcing
Method, every source and the query to run on each: db/SOURCING.md.
Storage: db/schema.sql.
Seed: db/partners_herndon_plumbing.csv — 15 Herndon/Reston plumbing businesses ready for verification.
- Build from the registry, not the directory. VA DPOR Licence Lookup for Virginia; WA L&I Verify for Seattle.
- Washington's two-lookup trap: a Contractor Registration does not authorise electrical or plumbing work.
- A lead is not supply. A partner is
activeonly when licence, identity, insurance and both hard screens pass.
The women-first pilot — parked track — "Fixxo Her"
Full programme: WOMEN_PILOT.md (status: parked — retained, unlaunched).
Parked, not deleted. WH1–WH8 stay loaded in
90day_kpi_tracker.csv (phase WOMEN_W0-W13). Nothing here is customer-facing until reactivated.Partner outreach — AI-assisted, legally gated
Read this before building any caller. AI-generated voice = “artificial voice” under the TCPA (FCC, Feb 2024). Marketing calls to wireless need prior express written consent — no B2B carve-out, $500–$1,500/call, no cap. Washington bans ADAD solicitation outright. So: human-dial cold + AI copilot (Mode B) is the default; AI voice only on consented leads, never in WA.
Primary sourcesAppendix · Official links
All links verified September 2026. Regulatory text and fees should be reconfirmed before reliance.
Virginia — licensing & trades
- DPOR License Lookup — verify any DPOR-regulated license (plumbing PLB, electrical ELE, HVAC HVA, contractors).
- DPOR — Department of Professional & Occupational Regulation
- DPOR Board for Contractors — licensing policy, Recovery Fund, complaint process.
- 18VAC50-30-10 Definitions (Plumber, Plumbing work incl. water heaters; Residential plumber tradesman)
- 18VAC50-30 Individual License & Certification Regulations (full)
- §54.1-1128 Definitions (tradesman, gas fitters)
- §54.1-1129 Necessity for licensure (trades)
- Title 54.1 Chapter 11 — Contractors (licensing, classes)
Virginia — contracts, consumer protection, recovery
- 18VAC50-22-260 Filing of charges; prohibited acts — written contract requirements (B)(8)-(9)
- §59.1-200 VCPA prohibited practices (note phased effective dates on this page)
- Chapter 17 — Virginia Consumer Protection Act (full)
- §59.1-21.3 Home Solicitation Sales Act — cancellation
- Virginia Home Solicitation Sales Act (popular-name page)
- §54.1-1118 Contractor Transaction Recovery Fund — definitions
- §54.1-1120 Recovery from Fund
- Article 2 — Virginia Contractor Transaction Recovery Act (full, incl. $30K limit §54.1-1123)
Virginia — employment, data, entities
- §65.2-302 Statutory employer (WC aggregation)
- Virginia Workers' Compensation Commission
- Chapter 53 — VCDPA (Consumer Data Protection Act)
- SCC — Foreign LLC registration (form LLC1052, $100)
- SCC — Foreign Business Entities hub
Virginia — background verification (free sources)
- VA State Police Sex Offender Registry — search
- NSOPW — National Sex Offender Public Website
- OFAC Sanctions Search
- Virginia OCIS 2.0 — statewide court case search
- VA Courts — Case Status & Information hub
Federal — reviews, SMS, payments
- 16 CFR 465 — Rule on the Use of Consumer Reviews & Testimonials
- FTC — Final Rule notice (eff. Oct 21, 2024)
- Federal Register — 89 FR 68034 (2024-18519)
- FTC — Federal Trade Commission
- Stripe — PaymentIntents (hold-and-capture for escrow)
- Stripe — Connect (platform payouts)
- 47 CFR 64.1200 — TCPA / SMS consent rules
Market / stack (planning)
- BBB Richmond — BBB rating hub (plumber results reference)
- Cloudflare Workers · D1 · KV · Queues · R2 · Pages · Turnstile
- AWS Regions & AZs (us-east-1 = Northern Virginia)
- Checkr · GoodHire · TrustLayer (COI automation)
- Sentry · Datadog · Grafana
- Twilio — SMS/phone for degraded-mode + status pings
- Nextdoor for Business