Roadmap: Status, Upcoming & Gaps

TOE Engineering Presentation Series/Roadmap: Status, Upcoming & Gaps

Most of the Hard Work Is Done

Closing deck — honest status check, remaining gaps, and the path to April launch.

Status Check

Where each system stands today

What's Built

Concrete deliverables across all four repos

Gaps & Decisions

Items that need team input

Path to Launch

Critical path to first lender go-live

Where We Stand

Decision Engine→Production

Reactor→Production

Lender UI→Fast Track live with clients

Borrower UI→App substantially complete, tasks in production

Auth migration→Remaining scope

The Core Architecture Is Battle-Tested

Decision engine approach — proven in production with Fast Track (our live lender-facing product) — now powers the full borrower experience.

Decision Engine

Live with Fast Track — TOE uses the same engine

Reactor

Event-driven cascade shared across all workflows

Pricing Engine

Full pipeline built, POC programs configured

Borrower UI Application

Wizard screens, entity CRUD, satisfy-code architecture

Borrower UI Portal

Task handlers, documents, messages — all functional

Pre-Auth & Signup

Inline Cognito signup, no redirect to separate app

ℹ️

Fast Track already validates the decision engine and reactor in production. TOE extends this to borrower-facing flows.

Source Files

Decision engine→marketplace/lc/engines/decision/

Reactor process→marketplace/lc/reactor/process.py

Pricing engine→marketplace/lc/engines/pricing/

Satisfy codes→borrower-interactions-ui/src/application/satisfy-code-definitions.ts

Screens→borrower-interactions-ui/src/application/screens/

Signup→borrower-interactions-ui/src/pre-auth/signup-screen.tsx

Lender UI and Borrower UI

The lender UI is deployed and used by real clients. Auth is the main remaining integration scope.

Fast Track

Checklist, rule cards, entity drawers — used by real lenders

Auth Migration

Signup migrated into Borrower UI; signin, MFA, and password flows still in the legacy auth app

Borrower Tasks

Place orders, review uploads, approve/reject

Funding

Core + Method paths, closing details, disbursement

Policy YAML

Per-lender config — TOE and FastTrack workflows, all stages

Source Files

Checklist→cortex-lender-checker-ui/src/file/summary/check-list.tsx

Stage tracker→cortex-lender-checker-ui/src/file/summary/check-list-stage-tracker.tsx

Entity drawers→cortex-lender-checker-ui/src/file/summary/rules/dti-drawer/

Borrower tasks→cortex-lender-checker-ui/src/routes/$fileId.borrower-tasks/index.lazy.tsx

Funding→cortex-lender-checker-ui/src/routes/$fileId.funding-and-disbursement/index.lazy.tsx

Signin→borrower-auth-ui/src/routes/signin.tsx

MFA→borrower-auth-ui/src/routes/mfa-options.tsx

Forgot pwd→borrower-auth-ui/src/routes/forgot-password.tsx

Policies→marketplace/lc/engines/decision/policies/

Every System Has Real Deliverables

The API surface is complete — not partial. Cortex is already live with real lenders.

Borrower App (Borrower UI)

Wizard screens, reusable field library, entity CRUD with optimistic updates, satisfy-code architecture, comprehensive test suite

Test suite→borrower-interactions-ui/src/application/__tests__/

Marketplace (Backend)

Decision engine, reactor cascade, pricing pipeline, full borrower API surface, policy YAML configured

Borrower API→marketplace/lc/app/borrower/views/

Routes→marketplace/lc/app/borrower/routes.py

POC HELOAN→marketplace/lc/engines/pricing/POC/heloan.yaml

POC HELOC→marketplace/lc/engines/pricing/POC/heloc.yaml

Cortex (Lender UI)

Stage tracker, rule components, CRUD drawers, borrower task management, funding flows — all live

Auth & Pre-Auth

Inline signup migrated into Borrower UI; signin and MFA flows remain in legacy app — migration is well-understood

ℹ️

The borrower app and backend are the largest bodies of new work. Cortex validates the architecture in production. Auth applies established patterns to the last screens.

Remaining Work Is Execution, Not Architecture

Three categories of remaining scope — all using established patterns.

Polish

Screen refinements for employment, co-borrower, and demographics — small UX improvements on existing screens

Small scope

Integration

End-of-app flow finalization, pricing program configuration for production

Medium scope

Migration

Port signin, MFA, and password flows from legacy auth app into Borrower UI — largest scope but well-understood

Larger scope

Source Files

Employment→borrower-interactions-ui/src/application/screens/employment-screen.tsx

Co-borrower→borrower-interactions-ui/src/application/screens/coborrower-screen.tsx

Demographics→borrower-interactions-ui/src/application/screens/demographics-screen.tsx

Offer→borrower-interactions-ui/src/application/screens/offer-screen.tsx

Submitted→borrower-interactions-ui/src/application/screens/submitted-screen.tsx

Signin→borrower-auth-ui/src/routes/signin.tsx

MFA→borrower-auth-ui/src/routes/mfa-options.tsx

Forgot pwd→borrower-auth-ui/src/routes/forgot-password.tsx

Reset pwd→borrower-auth-ui/src/routes/reset-password.tsx

A Few Decisions Need Team Input

Not architectural risk — these are scoping and timing choices for the April launch.

Pricing Programs

Keep proof-of-concept files for launch, or build per-company database storage? Affects multi-FI scaling

Auth App Consolidation

Legacy auth app coexists with Borrower UI — reconcile during migration or run both temporarily

Intentional Exclusions

Some backend-only codes and naming conventions look like gaps but are deliberate design decisions — documented in earlier decks

Source Files

POC HELOAN→marketplace/lc/engines/pricing/POC/heloan.yaml

POC HELOC→marketplace/lc/engines/pricing/POC/heloc.yaml

Signup proof→borrower-interactions-ui/src/pre-auth/signup-screen.tsx

Path to Launch

Finalize Borrower Flow

Offer presentation, accept & submit, and confirmation screens

Activate Remaining Screens

Assets and liabilities screens complete the wizard

Verify Policy Config

Confirm per-lender rules, workflows, and stage requirements

Deploy to Production

Environment, DNS, monitoring — same playbook as Fast Track

Post-Launch

Auth migration, production pricing programs

Multi-FI Expansion

Each new financial institution gets its own policy config, branding, and user pool

Legacy Deprecation

Workflow-era systems replaced as institutions adopt the decision engine approach

Source Files

Offer→borrower-interactions-ui/src/application/screens/offer-screen.tsx

Submitted→borrower-interactions-ui/src/application/screens/submitted-screen.tsx

Assets→borrower-interactions-ui/src/application/screens/assets-screen.tsx

Liabilities→borrower-interactions-ui/src/application/screens/liabilities-screen.tsx

TOE policy→marketplace/lc/engines/decision/policies/AAA_FAKE_LENDER/toe.yaml

Navigation

Back to Series Hub

Most of the Hard Work Is Done

The Core Architecture Is Battle-Tested

Lender UI and Borrower UI

Every System Has Real Deliverables

Remaining Work Is Execution, Not Architecture

A Few Decisions Need Team Input

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