# Product ## Platform web ## Users - Lender owners and administrators who configure an organization workspace and oversee its loan operations. - Loan officers, cashiers, and accountants who manage applications, disbursements, collections, and records according to role permissions. - Borrowers who review their linked profile, loan status, and repayment schedule through a restricted portal. - **Inferred for the public page:** prospective lending organizations evaluating the Winawave workspace. ## Product Purpose Winawave provides a browser-based workspace for managing borrowers, loan applications, approvals, disbursement records, repayment schedules, collections, overdue accounts, and supporting management tasks. Success means staff can maintain an organization's loan workflow and borrowers can review the status and schedules linked to them. ## Positioning No unique market position or comparative claim has been confirmed. Avoid unsupported claims about speed, savings, approvals, performance, or lending availability. ## Operating Context The web app is intended for use by lender staff and linked borrowers. A cPanel deployment uses PHP 8.1+, Apache, and MySQL/MariaDB; local Node.js serves a static preview only. **Inferred public-page audience:** organization owners exploring whether the workspace fits their lending operations. ## Capabilities and Constraints Current workflows include borrower and loan records, configurable products, approval-limit checks, role-checked operations, staff-recorded disbursements and payments, repayment schedules, receipts, summaries, reports, expenses, branches, settings, an audit log, a read-only borrower portal, and public landing, services, pricing-guide and contact pages. Contact messages are stored in MySQL for manual review; email delivery and an in-app enquiry inbox are not configured. The public signup creates an organization and its first administrator; borrower logins are created by staff and linked to existing borrower profiles. The system does not itself transfer funds or send SMS/email. Product rates and terms are organization-configured; the public page must not invent offers or present configured examples as universally available loans. Public product pricing is not published or enforced; plan cards are a discussion guide only. **Inferred for this request:** public pages help lending organizations understand the product, compare a plan scope guide, contact Winawave, or open an organization workspace. They are not a public borrower loan application, eligibility checker, or lender quote. ## Brand Commitments The product name is Winawave-1. Use the user-supplied `web/winawave-logo.png` logo; its white, navy, and vivid cyan palette replaces the earlier placeholder green palette. Preserve the supplied logo artwork and use clear, professional product language. ## Evidence on Hand - Product source and interface: `web/app.js`, `web/loan-domain.js`, and `web/styles.css`. - Logo: `web/winawave-logo.png`. - No verified customer testimonials, performance benchmarks, provider integrations, or public loan offers are supplied. Do not fabricate these. ## Product Principles - Keep organization records scoped to authenticated accounts and role permissions. - Make loan status, repayment schedules, and recorded collections understandable. - Distinguish in-system records from actual financial transfers and notifications. - Do not imply a borrower-facing application or lending offer where none is implemented.