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M1 proves the first consumer-money loop: ```text invest -> pay -> move -> see impact ``` The user can turn an investment thesis into a basket, trade ticket, affordability result, and paper trade. The same product can inspect a failed payment, payout, retry, or transfer and produce an allowed, blocked, evidence-required, escalated, or approval-required proposal. The user can then see how those proposals affect cash, buying power, portfolio exposure, pending obligations, approval state, and drift. ### Included Epics Product increments: - `V1.1`: Investment Intent To Paper Trade - `V1.2`: Pay And Move Money Guard - `V1.3`: Portfolio And Cash Impact Loop Supporting platform epics: - `P2`: Model And Tool Governance - `P3`: Runtime Hooks - `P4`: Case, Evidence, And Replay Capsule - `P8`: Build, Quality, Security, And Release Hygiene ### Why This Is A Milestone This is more than a set of screens or schemas. It establishes the core product promise: a user can express financial intent and Tickoni can turn it into a bounded, explainable, replayable money decision before financial consequence. It deserves milestone status because it joins three domains that are usually separate in consumer finance: - investing intent and paper trade construction - payment, payout, retry, and transfer guardrails - cash, portfolio, obligation, approval, and drift impact When M1 is complete, Tickoni is no longer only a runtime proof. It is a consumer-money product that demonstrates safe action without live execution. ### Completion Signal M1 is complete when a user can run the roadmap demos for `V1.1`, `V1.2`, and `V1.3` from deterministic fixtures and get replayable evidence for allowed, blocked, resized, approval-required, evidence-required, and escalated flows.
Due by June 19, 2026•6/7 issues closed