Invoice Management SaaS

CashPulse

Instant cash flow, fearless growth.

CashPulse gives freelancers and microbusiness owners instant access to unpaid invoice funds, ending the stress of waiting for payments. Its live dashboard forecasts cash flow gaps before they happen, empowering users to plan confidently, stay solvent, and grow—no more lost time, costly loans, or financial guesswork.

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CashPulse

Product Details

Explore this AI-generated product idea in detail. Each aspect has been thoughtfully created to inspire your next venture.

Vision & Mission

Vision
To liberate freelancers and microbusinesses from cash flow anxiety by making instant financial clarity and liquidity universally accessible.
Long Term Goal
By 2028, empower 100,000 freelancers and microbusinesses worldwide to access payments instantly, cutting late payment anxiety and cash flow gaps by at least 75%.
Impact
CashPulse enables freelancers and microbusiness owners to access invoice payments up to 24 days faster, reducing late payment stress by 65% and increasing financial planning accuracy by 40%, directly minimizing reliance on costly short-term loans and empowering confident, data-driven business decisions.

Problem & Solution

Problem Statement
Freelancers and microbusiness owners lose income stability due to late-paid invoices and unpredictable cash flow, while existing accounting tools lack instant cash advance options and actionable forecasting, forcing users to resort to costly loans or risky financial guesswork.
Solution Overview
CashPulse syncs with your invoicing tools to instantly advance cash on unpaid invoices, while a live visual cash flow dashboard pinpoints upcoming gaps—eliminating the stress of waiting for payments and giving freelancers clear, actionable control over their financial runway.

Details & Audience

Description
CashPulse empowers freelancers and microbusiness owners to access fast, predictable cash flow by unlocking instant invoice advances. Designed for those battling late payments and income volatility, it eliminates stressful waiting and supports smart planning. Its visual cash runway forecasts make future cash gaps visible and actionable, setting CashPulse apart for entrepreneurs who crave clarity and control over their finances.
Target Audience
Freelancers and microbusiness owners (22-48) battling late payments who actively manage finances digitally.
Inspiration
At a local craft fair, I watched a jewelry maker anxiously check her phone, hoping for a client’s payment to clear so she could buy supplies for her next order. Her relief when it finally arrived—and her confession that overdue invoices once nearly cost her rent—made me realize: what creators need is instant cash flow, not unpredictable waiting.

User Personas

Detailed profiles of the target users who would benefit most from this product.

B

Bufferless Bella

- 32-year-old female freelance graphic designer - Bachelor's degree in Visual Arts - Annual freelance earnings around $45K - Works remotely from her home studio - Serves small to mid-size businesses

Background

After quitting her agency job two years ago, she endured prolonged waits for slow-paying clients, causing project delays. Those cash crunches pushed her to hunt for tools that deliver prompt invoice advances and predictive forecasting.

Needs & Pain Points

Needs

1. Immediate invoice advances to fill cash gaps 2. Clear forecasting to avoid surprise shortfalls 3. Seamless integration with her invoicing software

Pain Points

1. Unpredictable payment schedules derailing client work 2. Stress when bank balances dip unexpectedly 3. Time wasted chasing overdue invoices manually

Psychographics

- Fearless creativity yet anxious about bank balance - Detail-obsessed planner craving financial predictability - Embraces tech that simplifies money management - Values autonomy and flexible work rhythms

Channels

1. LinkedIn - professional updates 2. Instagram - visual demos 3. Email - weekly newsletters 4. Behance - creative forum 5. YouTube - tutorial videos

J

Juggling Jack

- 27-year-old male multi-disciplinary freelancer - Bachelor's in Communications, self-taught coder - Earns variable monthly income around $60K - Operates from a shared co-working space - Serves startups and small agencies

Background

Jack studied communications, then learned coding online, launching multiple freelance gigs. His workload spikes and dips unpredictably, leading to frequent cash squeezes that push him toward forecasting tools and quick liquidity.

Needs & Pain Points

Needs

1. Fast funding whenever projects overlap schedules 2. Consolidated cash overview across income streams 3. Alerts for cash gaps before deadlines

Pain Points

1. Missing deadlines due to surprise fund shortages 2. Overwhelm managing multiple billing calendars 3. Stress tracking income across disparate platforms

Psychographics

- Thrives on multitasking under tight deadlines - Motivated by variety and rapid progress feedback - Distrusts rigid processes, seeks flexible solutions - Enjoys mastering new tools quickly

Channels

1. Twitter - real-time updates 2. Slack communities - peer support 3. Reddit r/freelance - advice threads 4. GitHub - project showcases 5. Medium - how-to articles

S

Skeptical Sam

- 45-year-old male solo business consultant - MBA graduate with 12 years' experience - Annual revenue around $120K - Works from his home office - Caters to mid-market corporate clients

Background

After losing 10% of earnings to surprise financing fees, he learned to scrutinize platforms rigorously. That costly mistake drives his demand for transparent advances and bulletproof forecasting.

Needs & Pain Points

Needs

1. Zero-surprise advance fees or hidden charges 2. Bulletproof cash forecasts with audit trails 3. Clear terms before committing to funding

Pain Points

1. Unexpected fees eroding consulting income 2. Vague forecasting undermining project planning 3. Distrust of opaque financial services

Psychographics

- Cautious decision-maker valuing complete transparency - Analytical thinker demanding data-driven evidence - Frugal spender protecting profit margins - Prefers long-term tool relationships

Channels

1. LinkedIn - professional networking 2. Email - detailed communications 3. Financial blogs - in-depth analysis 4. Webinars - expert discussions 5. Deloitte community - peer insights

F

Flash-Funded Fiona

- 34-year-old female marketing freelancer - Master's in Digital Marketing - Average income $80K yearly - Travels frequently as a digital nomad - Works with e-commerce startups

Background

After pivoting from agency life, she thrived on high-pressure launches. A sudden Fortune 500 pitch requiring rapid ad spend cemented her reliance on real-time liquidity.

Needs & Pain Points

Needs

1. Immediate large advances for ad spends 2. Split-second cashflow alerts during campaigns 3. Mobile-first interface for on-the-go management

Pain Points

1. Lost campaigns due to slow fund releases 2. Mobile dashboards loading too slowly 3. Inflexible advance limits hindering big pushes

Psychographics

- Adrenaline-driven, thrives under tight deadlines - Opportunistic, seeks high-impact campaigns - Values speed and flexibility above all - Enjoys experimenting with new marketing tools

Channels

1. Instagram - campaign inspiration 2. TikTok - short marketing tips 3. Mobile app notifications - instant alerts 4. Slack - client communications 5. Facebook Ads Manager - performance metrics

T

Team-Lead Tara

- 38-year-old female software firm owner - Bachelor's in Computer Science - Annual revenue $250K - Manages a remote team of five - Based in Austin, Texas

Background

After scaling her side project to an agency, she faced uneven client payments delaying staff salaries. She adopted CashPulse's team forecasting and group advance features to smooth payroll and cashflow.

Needs & Pain Points

Needs

1. Group invoice advances for all contractors 2. Consolidated team cashflow forecasting dashboard 3. Adjustable repayment schedules for varied invoices

Pain Points

1. Team morale drops during late salary payments 2. Manual payroll crunches when payments delay 3. Disconnected forecasts across individual invoices

Psychographics

- Team-oriented prioritizing crew stability - Responsible leader avoiding financial surprises - Long-term planner balancing multiple contractors - Prefers centralized tools over ad hoc solutions

Channels

1. Slack - team channels 2. Zoom - virtual meetings 3. Asana - project tracking 4. LinkedIn - B2B networking 5. Email - payroll notices

Product Features

Key capabilities that make this product valuable to its target users.

Threshold Tuner

Allows users to define multiple alert levels (e.g., caution, critical) with custom buffer thresholds, ensuring timely, tiered warnings that match their risk tolerance and cash flow strategies.

Requirements

Multi-Level Threshold Definition
"As a freelancer, I want to set up several alert levels with distinct threshold values so that I receive progressively urgent warnings before my cash flow falls into critical states."
Description

Enable users to define multiple alert levels (e.g., caution, warning, critical) with custom buffer thresholds for each level. This requirement covers the ability to create, name, order, and remove threshold tiers, ensuring flexibility in risk management strategies. The system should validate threshold values to prevent overlaps and ensure logical sequencing. Once defined, these tiers will form the basis for tiered alerting, giving users the granularity needed to monitor cash flow health according to their personal or business risk tolerance.

Acceptance Criteria
User Creates a New Threshold Tier
Given the user is on the Threshold Tuner settings page When they click “Add Threshold Tier,” enter a unique tier name and buffer value, and click “Save” Then the new tier appears in the tier list with the correct name, buffer value, and default order position
User Removes a Threshold Tier
Given a threshold tier exists in the user’s list When the user clicks the tier’s “Remove” button and confirms deletion Then the tier is no longer displayed in the list and all remaining tiers retain their original values and relative order
User Reorders Threshold Tiers
Given multiple threshold tiers are defined When the user drags a tier to a new position in the list and clicks “Save Order” Then the list reflects the updated order immediately and persists after page reload
System Prevents Overlapping Threshold Values
Given existing threshold tiers with defined buffer values When the user attempts to create or update a tier with a buffer value that overlaps another tier’s range Then the system displays an error message “Threshold values overlap. Please adjust values.” and prevents saving
System Ensures Threshold Values Follow Logical Sequence
Given the list of defined threshold tiers When the user enters buffer values out of ascending sequence (e.g., critical < caution) Then the system highlights the invalid fields, displays an error “Values must increase logically by tier,” and disables the save action
Threshold Configuration Interface
"As a microbusiness owner, I want a clear and interactive UI to configure my alert thresholds so that I can quickly adjust my risk settings without navigating complex menus."
Description

Develop an intuitive, user-friendly interface within the CashPulse dashboard that allows users to view, adjust, and test their defined threshold levels. The interface should display each tier’s buffer values, associated labels, and color coding. It must support inline editing, real-time validation feedback, and preview mode to simulate how alerts would trigger. Integration points include saving configurations to the user profile and syncing with the alert engine for immediate effect.

Acceptance Criteria
Initial Threshold Setup
Given a user navigates to the Threshold Configuration Interface, when the page loads, then they see at least two default threshold tiers (e.g., caution, critical) each displaying a buffer value, label, and color coding.
Inline Edit of Threshold Values
Given a user clicks on a threshold’s buffer value, when they modify the numeric input and confirm by pressing Enter or clicking outside the field, then the new value appears inline and the Save button becomes enabled.
Real-Time Validation Feedback
Given a user inputs a buffer value outside the allowable range (e.g., negative or above max limit), when the input loses focus, then an inline error message appears below the field and the Save button remains disabled until a valid value is entered.
Preview Mode Alert Simulation
Given a user switches to Preview mode and enters sample cash flow data, when the projected balance crosses a threshold buffer, then the corresponding tier label and color highlight dynamically to show how an alert would trigger.
Persistence and Sync with Alert Engine
Given a user clicks Save after adjusting thresholds, when they refresh the dashboard or open a new session, then the updated thresholds persist in their profile and any live alerts reflect the new settings immediately.
Dynamic Alert Trigger Engine
"As a freelancer, I want the system to automatically alert me the moment my available funds approach my defined thresholds so that I can take proactive steps to manage my finances."
Description

Implement a real-time monitoring engine that evaluates incoming cash flow data against user-defined thresholds. When a threshold boundary is crossed, the engine should generate an alert event tagged with the corresponding tier, timestamp, and current balance. It must scale to handle concurrent users, support low-latency checks, and log trigger histories for auditing. This engine will drive all downstream notifications and dashboard visual cues.

Acceptance Criteria
Single Threshold Breach Detection
Given a user has set a single alert threshold at $5,000; When an incoming cash flow update is processed that reduces the balance from $6,000 to $4,500; Then the engine must generate an alert event tagged with the 'caution' tier, include a precise timestamp, current balance of $4,500, and record this in the trigger history.
Multiple Tier Threshold Crossing
Given a user has configured two alert tiers—'caution' at $5,000 and 'critical' at $2,000; When the account balance falls from $3,000 to $1,800 in a single update; Then the engine must only generate a single alert event tagged with 'critical', include the timestamp and current balance of $1,800, and log this event correctly.
Concurrent User Processing
Given 100 simultaneous cash flow updates for different user accounts; When the engine processes all updates in real time; Then each user's thresholds must be evaluated independently without data race or collision, and each threshold breach must generate the correct alert event within 200ms.
Low-Latency Processing Under High Load
Given the engine is under a simulated load of 1,000 updates per second; When processing continues for 10 minutes; Then the average latency per threshold evaluation must remain under 100ms, and no events are dropped or delayed beyond 200ms.
Audit Log Generation and Retrieval
Given that multiple threshold breaches have been triggered; When querying the trigger history for a specific user over the last 24 hours; Then the engine must return a complete, ordered list of alert events with correct tiers, timestamps, and balances, and the total count should match the number of breaches triggered.
Custom Notification Channels
"As a user, I want to receive threshold alerts through my preferred communication channels so that I never miss critical cash flow warnings."
Description

Allow users to select and configure multiple notification channels—such as in-app banners, email, SMS, and mobile push—for each alert tier. Users should be able to enable or disable channels per threshold level, specify delivery preferences (e.g., immediate or digest), and update contact details. The notification service must handle retries and fallbacks to ensure high delivery reliability.

Acceptance Criteria
Configuring Notification Channels for an Alert Tier
Given a logged-in user on the Threshold Tuner settings page, when they select an alert tier and enable or disable channels (in-app, email, SMS, push) and click Save, then the system persists the selected channels for that tier and displays a confirmation message.
Customizing Delivery Preferences
Given a user with configured notification channels, when they choose delivery preferences (immediate or digest) for a specific alert tier and save changes, then the system records the preference and schedules notifications according to the selected mode.
Updating Contact Details for Notification Channels
Given a user updating their email or phone number for a channel, when they submit the new contact details, then the system validates the format, sends a verification request, and only applies the update upon successful verification.
Retry and Fallback Mechanism for Notification Delivery
Given a notification attempt via the primary channel fails, when the system detects the delivery failure, then it retries according to the retry policy and, after exhausting retries, falls back to the next enabled channel and logs the delivery chain.
Digest Notification Compilation and Delivery
Given multiple alerts occur within a digest period and the user has selected digest mode, when the digest window closes, then the system compiles all alerts into a single notification and sends it via the user’s enabled channels without duplicates and within the specified delivery window.
Threshold Template Management
"As a power user, I want to save my threshold settings as reusable templates so that I can quickly apply proven configurations to new projects or after account resets."
Description

Provide functionality for users to save, import, export, and share sets of threshold configurations as templates. Templates should capture tier names, buffer values, notification channel settings, and display preferences. Users can apply a template to their account in one click, facilitating rapid onboarding or reconfiguration when financial conditions change. Templates must be stored securely and support versioning.

Acceptance Criteria
Saving a new threshold template
Given the user is on the Template Management page with a valid template name, buffer thresholds, notification channel settings, and display preferences entered, When the user clicks 'Save Template', Then the template is stored securely in the user's account, appears in the template list with version '1.0', and a confirmation message is displayed.
Importing an existing threshold template
Given the user has selected a valid template file exported from CashPulse, When the user uploads the file via the 'Import Template' option, Then the system parses the file, creates a new template record with the correct tier names, buffer values, notification settings, display preferences, and version history, and displays a success notification.
Exporting a threshold template to file
Given the user has selected a template from their template list, When the user clicks 'Export Template', Then the system generates a JSON file matching the template's configuration and initiates a file download named '<template_name>.json'.
Applying a threshold template to account
Given the user has one or more templates saved, When the user selects a template and clicks 'Apply Template', Then the account's tier names, buffer values, notification channel settings, and display preferences update immediately to match the template, and a confirmation message is shown.
Versioning an updated threshold template
Given the user edits an existing template's tier names, buffer thresholds, notification channels, or display preferences, When the user clicks 'Save Template', Then the system increments the template version, archives the previous version in a version history log accessible to the user, and displays the current and previous versions with timestamps.
Sharing a threshold template with another user
Given the user has selected a template and entered a recipient's email address, When the user clicks 'Share Template', Then the recipient receives an email with a secure link to import the template, and the template is added to the recipient's 'Imported Templates' list upon import.

Multi-Channel Pulse

Sends flow alerts via the user’s preferred channels—push notifications, SMS, email, or Slack—guaranteeing immediate visibility and response no matter where they are.

Requirements

Channel Preference Configuration
"As a freelancer, I want to configure which channels I receive flow alerts on so that I only get notified in the way that suits my workflow and reduces noise."
Description

The system must provide a user interface and backend support for users to select and manage their preferred notification channels, including Push notifications, SMS, Email, and Slack. Preferences should be saved per user and per event type, ensuring that alerts are delivered via the user’s chosen channels. The configuration interface should allow easy toggling of channels, with real-time validation of contact details (e.g., phone number format, email syntax, Slack workspace integration). This requirement ensures that users receive alerts through their most accessible and effective channels, improving engagement and timely responses.

Acceptance Criteria
User Configures Preferred Channels for Invoice Due Alerts
Given a logged-in user on the notification settings page for the invoice due event, When the user selects Push, SMS, and Email channels and inputs a valid phone number and email, Then the selections and contact details are saved and confirmed with a success message.
Real-Time Validation of Email and Phone Inputs
Given the user enters contact details for SMS or Email, When the input format is invalid, Then an inline validation error message is displayed and the save action is disabled until the format is corrected.
Slack Workspace Integration for Notifications
Given the user initiates Slack channel integration, When the OAuth authentication completes successfully, Then the Slack workspace is connected and the user sees a confirmation that Slack notifications are enabled.
Preference Persistence Across Sessions
Given a user with existing notification preferences, When the user logs in and accesses the Channel Preference Configuration page, Then the previously saved channel selections and validated contact details are displayed correctly.
Immediate Notification Delivery Based on Preferences
Given an event trigger for a cash flow alert, When the alert is generated for a user, Then notifications are dispatched through each channel the user has selected and validated in their preferences.
Multi-Channel Dispatch Engine
"As a microbusiness owner, I want flow alerts to be sent instantly to my selected channels so that I can act immediately regardless of my current platform."
Description

Implement a dispatch engine capable of routing notification payloads to multiple channels simultaneously or in sequence based on user preferences. The engine should abstract channel-specific APIs (e.g., push notification service, SMS gateway, SMTP server, Slack API) and handle payload formatting, authentication, rate limiting, and error handling. It must support high throughput and low latency to guarantee immediate delivery. The architecture should be extensible to add new channels with minimal code changes. This ensures robust and scalable notification delivery across all user-selected channels.

Acceptance Criteria
Dispatch to Multiple Channels
Given a notification payload and user preferences for push, SMS, and Slack, when the dispatch engine processes the payload, then it must send the correctly formatted message to all three channels within 2 seconds with HTTP 200 response from each channel API.
Error Handling and Retry
Given a failed dispatch attempt due to a transient network error, when the engine detects the failure, then it must retry delivery up to 3 times with exponential backoff and log a retry entry; if all retries fail, it must mark the notification as failed and notify the system admin.
High Throughput Dispatch
Given a burst of 1000 notification payloads arriving simultaneously, when the engine processes them, then it must successfully dispatch all messages to their respective channels within a 1-minute window without dropping any messages.
Authentication and Security
Given valid channel-specific credentials stored securely, when dispatching a notification, then the engine must use the correct authentication method (OAuth token or API key) for each channel and ensure no credentials are exposed in logs.
Extensibility for New Channels
Given a new channel module with defined interface implementations, when integrating into the dispatch engine, then the engine must load the module dynamically and route notifications using its API without any code modification to the core engine.
Delivery Status Tracking
"As an admin, I want to see whether alerts were delivered successfully so that I can identify and resolve any notification issues promptly."
Description

Provide a mechanism to track and log the delivery status of each notification, including success, failure, and retries. The system should record timestamps, channel details, error codes, and retry attempts. Failures should trigger configurable retry logic with backoff policies. A dashboard or API endpoint should allow users and administrators to view delivery reports and troubleshoot issues. This requirement ensures transparency and reliability in notification delivery, enabling proactive resolution of delivery failures.

Acceptance Criteria
Successful Notification Delivery Logged
Given a notification is sent via a user’s preferred channel, when the channel endpoint acknowledges receipt, then the system must log a success entry with the notification ID, timestamp, channel details, and status = "Success".
Notification Delivery Failure and Retry
Given a notification attempt fails due to a recoverable error, when the failure is detected, then the system must record the failure with error code, timestamp, and initiate a retry using the configured exponential backoff policy within the maximum retry limit.
Exhausted Retry Attempts Handling
Given a notification has reached its maximum retry count without success, when the final retry fails, then the system must mark the notification status as "Failed", log the final error code and timestamp, and trigger an alert to administrators.
Delivery Report Access via API
Given an authenticated API request with valid filters (date range, channel, status), when the request is received, then the API must return a JSON array of delivery log entries including notification ID, status, timestamps, channel, error codes, and retry count.
Dashboard Visualization of Delivery Status
Given an administrator accesses the delivery dashboard, when the dashboard loads, then it must display summary metrics (total sent, success rate, failure rate, average retry count) and allow drill-down to view individual notification delivery details.
Notification Templates Customization
"As a freelancer, I want to customize my alert messages so that they reflect my branding and include the information most important to me."
Description

Allow users to customize the content and format of their alerts by editing notification templates for each channel. The feature should support dynamic placeholders (e.g., invoice amount, due date, short URL) and preview functionality. Templates must be validated for channel constraints, such as SMS character limits or Slack message structure. Versioning of template changes should be recorded with timestamps and user identifiers. This empowers users to tailor messages to their brand voice and ensure relevant context for recipients.

Acceptance Criteria
Customize Email Notification Template
Given a user inserts valid dynamic placeholders into the email template When the user clicks 'Preview' Then the system displays the rendered email with correct placeholder values and format
Customize SMS Notification Template
Given a user customizes the SMS template exceeding 160 characters including placeholders When the user attempts to save Then the system rejects the template and displays a character limit error message
Customize Slack Notification Template
Given a user configures a Slack message template with blocks and placeholders When sending a test message Then the message arrives in the target Slack channel preserving structure and placeholder values
Preview Customized Notification Template
Given a user customizes any channel template When selecting 'Preview' Then the system shows an accurate preview reflecting channel-specific constraints and placeholder rendering
Versioning and Audit Trail for Template Changes
Given a user saves changes to a template When changes are submitted Then the system records a new version with timestamp and user ID and allows rollback to previous versions
Opt-In/Opt-Out Compliance
"As a microbusiness owner, I want to unsubscribe from specific channels so that I only receive alerts through channels I have consented to."
Description

Implement opt-in and opt-out controls to ensure user compliance with communication preferences and regulatory requirements. Users should explicitly opt in to each channel, with clear consent flows and audit logs. The system must honor unsubscribe requests immediately and suppress future notifications on opted-out channels. Legal disclaimers and privacy policy links must be displayed during the opt-in process. This requirement ensures user autonomy, GDPR and TCPA compliance, and reduces the risk of unsolicited communication.

Acceptance Criteria
SMS Opt-In Consent Flow
Given a logged-in user navigates to notification settings and selects the SMS channel When the user checks the opt-in box and clicks 'Confirm' Then the system displays the TCPA and privacy policy links, records the user's explicit consent for SMS, and sends a confirmation message to the user's phone number
Email Opt-Out Processing
Given a user receives an email notification When the user clicks the 'Unsubscribe' link Then the system immediately suppresses all future emails to that address, confirms the unsubscription on screen, and logs the opt-out action
Slack Channel Consent Verification
Given a user chooses to connect Slack notifications When the user authorizes the app and reviews the consent dialog Then the system displays the privacy policy link, records the explicit Slack opt-in consent, and verifies the Slack webhook is active
Audit Log Entry Generation
Given any opt-in or opt-out action on any channel When the action completes Then the system creates an audit log entry with timestamp, user ID, channel, action type, and consent version
Regulatory Disclaimer Display
Given a user begins the opt-in process for any channel When the opt-in form loads Then the system displays GDPR and TCPA disclaimers with clickable links to the full policy

Smart Snooze

Enables users to temporarily mute alerts during busy periods or weekends, automatically reactivating notifications when cash flow trends warrant renewed attention.

Requirements

Snooze Configuration Interface
"As a microbusiness owner, I want a clear interface to configure when and how long my notifications are snoozed so that I can focus on work without missing critical cash flow alerts."
Description

Provide a dedicated settings panel within the CashPulse dashboard where users can easily enable Smart Snooze, set default snooze behavior, and view active snooze periods. The interface should include clear toggles, dropdowns for selecting snooze durations, and contextual help tooltips. It integrates seamlessly with existing notification settings, ensuring users can manage all alert preferences in one place. This requirement enhances usability by offering an intuitive, centralized control point for muting and restoring notifications according to user needs.

Acceptance Criteria
Enabling Smart Snooze via Settings Panel
Given the user opens the CashPulse dashboard settings panel, when they toggle the Smart Snooze switch to 'On', then the system must save the preference, reflect the active state in the UI, and send a confirmation message within 2 seconds.
Configuring Default Snooze Duration
Given the Smart Snooze feature is enabled, when the user selects a default snooze duration from the dropdown, then the chosen duration must be displayed in the settings panel, persisted across sessions, and applied automatically to all future snooze activations.
Displaying Active Snooze Periods
Given the user has an active snooze period, when they view the Snooze Configuration Interface, then each active snooze period must be listed with start and end timestamps, and the UI must update dynamically if the period changes.
Contextual Help Tooltip Visibility
Given the user hovers over or focuses on any snooze control element, when the tooltip icon appears, then the system must display contextual help text within 300 milliseconds, and the text content must match the documented guidance.
Integration with Existing Notification Settings
Given the user manages other notification preferences, when they adjust Smart Snooze settings, then changes must not affect unrelated notification toggles, and the combined settings must be saved and retrievable from a single unified configuration endpoint.
Automated Reactivation Trigger
"As a freelancer, I want my snoozed alerts to automatically resume when my forecasted cash balance falls below a safe threshold so that I am notified of potential shortfalls in time to act."
Description

Implement backend logic that continuously monitors cash flow indicators—such as approaching invoice due dates, negative forecast thresholds, or sudden declines in projected balances—to automatically lift snooze when attention is required. Users should receive a brief ‘Snooze Ended’ notification explaining why alerts have resumed. This requirement ensures that critical financial alerts are never missed while the snooze is active, safeguarding against unexpected cash flow issues.

Acceptance Criteria
Approaching Invoice Due Date Trigger
Given an alert is snoozed and an invoice is due within 3 days When the system detects the invoice due date is now ≤3 days away Then the system automatically lifts the snooze and sends a ‘Snooze Ended’ notification stating ‘Invoice due date approaching’
Negative Forecast Threshold Breach Trigger
Given alerts are snoozed and the forecasted cash balance falls below the user’s defined threshold (e.g., $0) When the forecast for any day in the next 7 days is below the threshold Then the system cancels snooze and issues a ‘Snooze Ended’ notification stating ‘Forecasted balance below threshold’
Sudden Projected Balance Decline Trigger
Given alerts are snoozed and projected balance shows a decline >20% within 5 days When the system observes a projected balance drop exceeding 20% compared to current balance Then the snooze is lifted automatically and a ‘Snooze Ended’ notification states ‘Significant balance decline detected’
Weekend Snooze Expiry with Critical Alert
Given a user activates snooze for the weekend period (Friday 6 PM to Monday 8 AM) When system time reaches Monday 8 AM and the 3-day forecast shows any negative balance Then the system ends the snooze at 8 AM and sends ‘Snooze Ended’ notification stating ‘Critical forecast alert after weekend’
Snooze Ended Notification Delivery
Given any automated snooze reactivation When snooze is lifted by the system Then the user receives a ‘Snooze Ended’ notification within 60 seconds containing the reason for reactivation
Customizable Snooze Duration
"As a gig worker, I want to choose exact timeframes for muting alerts so that I can tailor notification breaks to my specific busy periods without guesswork."
Description

Allow users to define flexible snooze intervals, including preset options (e.g., 4 hours, 8 hours, 24 hours) and a custom entry field for arbitrary durations. The feature should validate input to prevent invalid values and display remaining snooze time in the dashboard header. This granularity gives users control over how long they silence notifications according to their unique schedules and work patterns.

Acceptance Criteria
Preset Snooze Selection
Given the user opens the dashboard and clicks the snooze button When the user selects a preset duration of 4 hours Then the system applies a 4-hour snooze period, displays a confirmation message, and suppresses all alerts for exactly 4 hours
Custom Snooze Duration Entry
Given the user chooses the custom duration option When the user enters a valid number of hours between 1 and 168 (e.g., 36) Then the system accepts the value, starts the snooze for the specified duration, and updates the dashboard header with the custom duration
Invalid Snooze Input Handling
Given the user selects custom duration and inputs an invalid value (e.g., zero, negative, non‐numeric, or exceeding 168) When the user submits the value Then the system rejects the input, displays an inline error message explaining valid ranges, and prevents the snooze from activating
Snooze Countdown Display
Given the user has activated any snooze duration When the dashboard header is visible Then the system displays the remaining snooze time in hours and minutes, updates it at least once per minute, and reflects the correct remaining duration
Automatic Reactivation After Snooze Expires
Given the snooze duration has fully elapsed When the snooze timer reaches zero Then the system automatically resumes all notifications, removes or grays out the snooze indicator in the header, and logs the reactivation event
Weekend and Holiday Scheduling
"As a project consultant, I want my alerts to auto-snooze on weekends and public holidays so that I don’t receive work notifications during my planned time off."
Description

Incorporate a calendar-based scheduler that automatically mutes notifications during weekends and user-specified holidays. Users can toggle global weekend snooze or pick individual dates on a mini-calendar. The scheduler should respect the user’s locale and time zone settings. This requirement streamlines silent periods without manual reactivation, aligning alert behavior with typical off-work times.

Acceptance Criteria
Global Weekend Snooze Activation
Given the user has enabled global weekend snooze in settings When the current day falls on a configured weekend day Then all notifications are suppressed until the next non-weekend day at the user’s locale-based start of day
Individual Holiday Scheduling
Given the user has selected specific holiday dates via the mini-calendar When the system date matches any of the configured holiday dates Then notifications are muted for the entire holiday date regardless of weekday/weekend settings
Locale-Specific Weekend Definition
Given the user’s locale is set to a region with non-standard weekend days When global weekend snooze is enabled Then the system suppresses notifications on the region-specific weekend days defined by that locale
Time Zone Boundary Handling
Given the user travels across different time zones When the local time crosses midnight in the new time zone Then the weekend and holiday snooze recalculates based on the new local date and time zone settings and adjusts notification state accordingly
Automatic Reactivation on Cash Flow Alert
Given notifications are muted during a weekend or holiday When the live dashboard forecasts a negative cash flow gap requiring immediate attention Then notifications automatically resume and the user receives an alert despite the active snooze
Notification Preferences Management
"As a small business owner, I want to silence non-critical notifications while keeping urgent alerts active so that I remain aware of critical cash flow risks during focused work times."
Description

Expand the notification settings module to include granular control over which alert categories (e.g., overdue invoice, low balance forecast, milestone reminders) are affected by Smart Snooze. Users can opt to snooze all alerts or only non-critical ones. Integration with existing email, SMS, and in-app push channels ensures consistent behavior across mediums. This flexibility lets users stay informed about critical issues even when using Smart Snooze.

Acceptance Criteria
Weekend Snooze for Non-Critical Alerts
Given the user schedules Smart Snooze to mute non-critical alerts from Friday at 6:00 PM to Monday at 9:00 AM, when the system time is within the snooze period, then only overdue invoice alerts marked as critical are delivered via the user's selected channels and all non-critical alerts are suppressed until the end of the snooze period.
Selective SMS Snooze of Low Balance Forecast
Given the user enables Smart Snooze for low balance forecast on the SMS channel while keeping other channels active, when a low balance forecast alert is triggered, then it is not sent via SMS and is still delivered via email and in-app push according to user preferences.
Bulk Snooze of All Alerts During Busy Period
Given the user selects to snooze all alerts for a custom period through the notification settings, when any alert (overdue invoice, low balance forecast, milestone reminder) is triggered during the snooze period, then no alerts are sent via any channel and a countdown timer displays the remaining snooze duration on the dashboard.
Automatic Reactivation upon Critical Cash Flow Trend
Given the user is in a snooze period for non-critical alerts, when the dashboard forecasts a cash flow deficit exceeding the user-defined threshold, then Smart Snooze automatically lifts the snooze for all alerts and sends an immediate notification via all active channels.
Integration Consistency Across Channels
Given the user updates snooze preferences in the in-app notification settings, when the preferences are saved, then the changes are reflected in email and SMS notification settings and alert behavior across all channels matches the updated preferences.
Snooze Audit Trail
"As a support agent, I want to view a history of a user’s snooze actions so that I can diagnose issues and explain notification behavior."
Description

Maintain an auditable log of all snooze events—start time, end time, trigger reason, and user adjustments. Logs should be accessible in the admin panel under Notification History, with filters for date ranges and snooze causes. This requirement supports transparency and troubleshooting, helping users and support teams understand why alerts were silenced or resumed.

Acceptance Criteria
Manual Snooze Event Recorded
Given a user manually snoozes notifications specifying a start time, end time, and reason, When the action is confirmed, Then the audit log contains an entry with the user ID, snooze start timestamp, scheduled snooze end timestamp, and provided reason.
Automatic Snooze Resumption Logged
Given the system automatically reactivates notifications based on cash flow trend triggers, When the trigger condition is met, Then the audit log contains an entry with the trigger reason 'auto-reactivation', timestamp of reactivation, and reference to the original snooze period.
Admin Filters Snooze Logs by Date Range
Given an admin selects a start and end date in the Notification History filters, When the filter is applied, Then only audit entries with snooze start timestamps within the specified date range are displayed.
Admin Filters Snooze Logs by Cause
Given an admin selects a snooze cause (manual or auto-reactivation) from the Notification History filters, When the filter is applied, Then only audit entries matching the selected cause are displayed.
Audit Trail Entry Includes User Adjustments
Given a user modifies the snooze end time before expiration, When the adjustment is saved, Then the audit log records an updated entry reflecting the new end time and modification timestamp while preserving the original entry.

ActionCue

Accompanies alerts with personalized, actionable recommendations—such as advancing specific invoices or sending payment reminders—so users can resolve cash gaps directly from the alert.

Requirements

Invoice Advancer Integration
"As a freelancer, I want to advance a specific overdue invoice directly from an alert so that I can receive funds immediately and avoid potential cash shortfalls."
Description

Enable users to advance specific unpaid invoices directly from ActionCue alerts by integrating with the CashPulse invoice advance system. This feature will allow freelancers and microbusiness owners to select individual or multiple invoices within an alert and immediately request funding, streamlining the process of accessing unpaid invoice funds. It improves cash flow management by reducing manual steps and centralizing finance operations within the dashboard.

Acceptance Criteria
Single Invoice Advancement via Alert
Given an ActionCue alert for an unpaid invoice, when the user clicks “Advance Invoice,” then the system pre-fills the funding request form with invoice details, allows submission, and displays a confirmation message upon successful request processing.
Bulk Invoice Advancement via Alert
Given an ActionCue alert listing multiple unpaid invoices, when the user selects two or more invoices and clicks “Advance Selected,” then the system displays a consolidated funding request summary with total amounts, allows user confirmation, and processes the batch request with a success notification.
Validation of Invoice Eligibility
Given an invoice in the alert that is already paid or outside the advance window, when the user attempts to advance it, then the system disables the advance option for that invoice and displays an error message explaining the ineligibility reason.
Real-time Dashboard Update after Advancement
Given a successfully submitted invoice advance request, when the funding is approved, then the live dashboard updates the user’s available cash balance and removes or marks the advanced invoice from outstanding amounts in the forecast.
Notification of Advance Request Outcome
Given the user has submitted an invoice advance request, when the request is approved or rejected, then the system sends both an in-app notification and an email detailing the outcome and next steps.
Payment Reminder Messaging Module
"As a microbusiness owner, I want to send a tailored payment reminder to my client with one click so that I can prompt faster invoice payments and maintain healthy cash flow."
Description

Provide an in-app messaging module that allows users to send personalized payment reminders to clients directly from ActionCue alerts. It includes customizable message templates, client contact integration, and delivery tracking. This module ensures timely follow-ups and increases the likelihood of on-time payments by simplifying communication and keeping reminders within the CashPulse ecosystem.

Acceptance Criteria
Sending Reminder Using Default Template
Given the user views an ActionCue alert for an unpaid invoice When the user selects the default reminder template and clicks send Then the module sends the reminder to the client’s primary email and logs the action in delivery history
Creating and Using Custom Message Template
Given the user opens the template library When the user creates a new custom template, saves it, and selects it for an alert Then the personalized message is prepopulated correctly and can be modified before sending
Selecting Client Contact from Directory
Given the user initiates a payment reminder When the user searches the client directory by name or company Then the correct contact is selected and the reminder is addressed to the appropriate email
Viewing Reminder Delivery Status
Given a reminder has been sent When the user navigates to the delivery tracking section of the alert Then the UI displays the delivery status (Sent, Delivered, Read) and timestamp
Resending Failed Reminders Automatically
Given a reminder send attempt fails due to delivery error When the system retries message delivery up to three times Then each retry is logged and the user is notified if all attempts fail
Personalized Recommendation Engine
"As a user, I want to receive personalized suggestions on which invoices to advance or clients to remind so that I can make informed decisions and avoid unexpected cash shortages."
Description

Implement an AI-driven engine that analyzes a user’s cash flow data, invoice history, and client payment behavior to generate tailored action recommendations. Recommendations might include which invoices to advance, which clients to remind, or optimal timing for sending reminders. This engine ensures users receive data-backed guidance to proactively manage cash gaps.

Acceptance Criteria
Advise on Advancing Overdue Invoices
Given a user’s dashboard displays invoices overdue by more than 30 days and a forecasted cash shortfall within 7 days, when the recommendation engine runs, then it suggests advancing the top 3 overdue invoices ranked by expected liquidity improvement.
Generate Payment Reminder Actions
Given upcoming invoice due dates within the next 5 days and users with outstanding balances, when the user views alerts, then the engine provides a list of clients to remind, each with a pre-populated email template including invoice details.
Tailor Recommendations by Client Payment History
Given a client with at least two prior late payments in the last 6 months, when generating recommendations, then the engine marks reminders for that client as high priority and includes suggested follow-up frequency.
Determine Optimal Reminder Timing
Given invoices due in 10 days, when the recommendation engine analyzes cash flow projections, then it schedules reminder actions at the point where sending a reminder maximizes on-time payment probability (e.g., 3 days before due date).
Provide Action Confidence Score
Given each recommendation generated, when presenting the list to the user, then each recommendation displays a confidence score between 0 and 1, and only those with a score ≥0.75 are listed as primary suggestions.
ActionCue Notification Templates
"As a small business owner, I want to choose and customize notification templates for my alerts so that I can communicate professionally and efficiently with clients."
Description

Create a library of pre-built, customizable notification templates for different alert scenarios (e.g., overdue invoices, upcoming shortfalls). Users can select, preview, and modify templates to suit their brand voice and messaging needs. This feature accelerates communication setup and maintains consistency in client outreach.

Acceptance Criteria
Selecting a Pre-Built Template
Given the user navigates to the notification templates library When they filter templates by alert type or keyword Then the system displays all matching templates and allows the user to preview each
Previewing Template with Brand Elements
Given the user has uploaded brand assets (logo, colors) When they click 'Preview' on a template Then the preview renders the template with the correct brand logo, color scheme, and typography
Customizing Template Content
Given the user opens the template editor When they modify placeholder text, adjust messaging tone, or change formatting Then the editor saves and displays the updated content in real time
Saving Customized Templates to Library
Given the user has customized a template When they click 'Save As New Template' and provide a name Then the new template is added to their personal library and is selectable for future alerts
Sending Notification from Alert
Given an alert is triggered for an overdue invoice When the user selects 'Send Reminder', chooses a template, and clicks 'Send' Then the system sends the notification with the selected template content and logs the action in the activity history
In-App Action Execution Workflow
"As a CashPulse user, I want to complete recommended actions directly from the alert screen so that I can quickly resolve cash flow issues without navigating multiple pages."
Description

Design and implement an inline workflow within the ActionCue alert interface that guides users through selecting recommended actions (e.g., advancing invoices, sending reminders), confirming details, and executing these actions without leaving the alert screen. This seamless process minimizes context switching and reduces time to resolution.

Acceptance Criteria
Triggering an ActionCue Alert
Given an invoice is past due and the cash flow forecast shows a gap When the user opens the CashPulse dashboard Then the system displays an ActionCue alert recommending actions for that invoice
Selecting an Action
Given an ActionCue alert is visible When the user selects "Advance Invoice" from the recommended actions Then the selected action is highlighted and the inline workflow screen for that action appears
Confirming Action Details
Given the user is on the inline workflow screen After selecting an action When the system pre-populates default values (e.g., invoice amount, date) Then the user can modify fields and click "Confirm" without validation errors
Executing the Action
Given the user has confirmed action details When the user clicks "Execute" Then the system processes the request, displays a success message inline, and updates the invoice status accordingly
Handling Execution Errors
Given a failure occurs during action execution When the user attempts to execute the action Then the system displays a clear inline error message with options to retry or cancel

TeamGuard Share

Lets users share low-cash alerts with designated team members or financial advisors, fostering collaborative cash management and faster decision-making across their network.

Requirements

Alert Sharing Configuration
"As a freelancer, I want to set specific cash-balance thresholds and schedules for sharing low-cash alerts so that my team is notified only when necessary and I maintain control over alert frequency."
Description

Provide an interface that allows users to configure low-cash alert parameters—thresholds, frequency, and sharing options—and define when and how these alerts are shared with designated team members or advisors. The configuration should integrate seamlessly with the existing CashPulse dashboard, support custom scheduling, and allow users to enable or disable sharing per alert type.

Acceptance Criteria
Configuring Low-Cash Thresholds
Given the user opens the Alert Sharing Configuration interface, when they set a cash balance threshold and click Save, then the system stores the threshold and triggers a low-cash alert when the balance falls below that value.
Scheduling Alert Frequency
Given the user selects a custom alert frequency option, when they choose daily, weekly, or monthly and confirm, then alerts are sent strictly according to the chosen schedule without duplicates.
Sharing Alerts with Team Members
Given the user adds one or more team member or advisor email addresses in the sharing options, when a low-cash alert is triggered, then the system sends the alert notification to all specified recipients.
Enabling/Disabling Sharing Per Alert Type
Given the user toggles sharing on or off for a specific low-cash alert type, when sharing is disabled, then no notifications for that alert type are sent to any team members or advisors.
Seamless Dashboard Integration
Given the user accesses the CashPulse dashboard, when they open alert settings, then the Alert Sharing Configuration panel appears inline without redirects, displaying the current thresholds, frequency, and sharing options.
Recipient Management
"As a microbusiness owner, I want to select which team members or advisors receive my cash alerts so that only relevant stakeholders are informed."
Description

Enable users to manage and select recipients for shared alerts by choosing from existing contacts, inviting new team members via email, and assigning roles or access levels. This feature should integrate with CashPulse user accounts and allow batch addition or removal of recipients.

Acceptance Criteria
Invitation of New Recipient via Email
Given the user is on the Recipient Management page When the user enters a valid email of a non-registered user and selects a role And clicks 'Invite' Then an invitation email is sent to the address And the recipient appears in the list with status 'Invited'
Selecting Existing Contacts from Address Book
Given the user has existing contacts synced When the user clicks 'Add Recipient' and chooses 'Existing Contacts' And selects one or more contacts Then selected contacts appear in the recipients list And no invitation emails are sent
Assigning and Updating Roles for a Recipient
Given a recipient is in the list When the user edits the recipient's role And assigns a different access level Then the updated role is saved And the change reflects immediately in the recipients list
Batch Addition of Multiple Recipients
Given the user selects multiple contacts or enters multiple emails When the user clicks 'Add Selected' Then all valid recipients are added to the list And appropriate invitations or notifications are sent based on contact status
Batch Removal of Recipients
Given the user selects multiple recipients in the list When the user clicks 'Remove' And confirms the action Then all selected recipients are removed And no longer receive future alerts
Multi-Channel Notification Delivery
"As a financial advisor, I want to receive low-cash alerts via my preferred channel (email or SMS) so that I can respond promptly even when I’m away from the app."
Description

Implement delivery of shared low-cash alerts through multiple channels—including in-app notifications, email, and SMS—based on recipient preferences. Ensure messages contain key details (current balance, forecasted gap, recommended actions) and track delivery status.

Acceptance Criteria
In-App Notification Delivery to Team Member
Given a user shares a low-cash alert with a team member in the app When the team member is logged in Then they receive a real-time in-app notification containing current balance, forecasted cash gap, and recommended actions
Email Notification Delivery Based on Preferences
Given a recipient’s preferred notification channel is email When a low-cash alert is shared Then an email is sent to the recipient’s registered address within two minutes containing current balance, forecasted cash gap, and recommended actions
SMS Notification Delivery Based on Preferences
Given a recipient’s preferred channel is SMS When a low-cash alert is shared Then an SMS is delivered to the recipient’s phone number within two minutes including current balance, forecasted cash gap, and recommended actions
Notification Content Accuracy
Given any delivery channel When a low-cash alert is generated Then the notification includes the user’s accurate current balance, a forecasted cash flow gap amount and timing, and at least one recommended action
Delivery Status Tracking and Logging
Given a low-cash alert is sent through any channel When the system attempts delivery Then the delivery status is logged as ‘sent’, ‘delivered’, or ‘failed’ in the audit table with a timestamp
Access Control & Permissions
"As a business owner, I want to ensure that my advisors can view but not change my cash-flow settings when they receive an alert so that my configurations remain secure."
Description

Enforce permission settings for shared alerts by defining view-only or comment privileges for recipients. Ensure that recipients can only view alert details and cannot modify the user’s cash-flow configurations or thresholds. Permissions should be manageable per recipient or group.

Acceptance Criteria
View-Only Access Enforcement
Given a user shares a low-cash alert with Recipient A granted view-only permission, When Recipient A opens the shared alert, Then Recipient A can see all alert details but no edit controls for thresholds or configurations.
Comment Permission Functionality
Given a user shares a low-cash alert with Advisor B granted comment permission, When Advisor B submits a comment on the alert, Then the comment is saved, visible to the owner and other recipients, and Advisor B cannot change alert settings.
Per-Recipient Permission Management
Given a user views the share settings for an alert, When the user assigns different permissions (view-only or comment) to multiple recipients individually, Then each recipient’s permission level is correctly stored and enforced on access.
Group Permission Assignment
Given a user creates a recipient group and assigns it comment permission, When the group is selected for sharing an alert, Then all members of the group inherit the comment permission and cannot modify alert configurations.
Unauthorized Modification Prevention
Given a recipient with view-only permission attempts to change a cash-flow threshold via API or UI, When the recipient submits the modification request, Then the system rejects the request and logs an unauthorized access attempt.
Shared Alert Audit Log
"As an operations manager, I want to review a history of all shared low-cash alerts so that I can audit communications and ensure accountability within my team."
Description

Maintain a comprehensive log of all shared alert activities, recording who shared what alert, to whom, when, and through which channel. Provide users with an interface to review and export these logs for compliance and accountability purposes.

Acceptance Criteria
Alert Sharing Event Recording
Given a user shares a cash alert, When the share action is executed, Then the system logs the user ID, alert ID, recipient identifier, timestamp, and channel of sharing
Audit Log Interface Display
Given an authenticated user with view permissions, When they navigate to the Shared Alert Audit Log page, Then the interface displays a paginated list of all recorded share events with relevant details
Audit Log Filtering and Search
Given the audit log interface is loaded, When the user applies filters by date range, recipient, or channel, Then only matching log entries are displayed and search results update in under two seconds
Exporting Audit Logs
Given the audit log entries are displayed, When the user clicks the Export button and selects CSV or PDF format, Then the system generates and downloads a file containing the filtered log entries with correct headers
Permission Enforcement for Log Access
Given a user without audit log permissions, When they attempt to access the Shared Alert Audit Log, Then the system denies access and displays an authorization error message

Alert Analytics

Provides a dashboard of historical alert data, showing frequency, response times, and outcomes to help users fine-tune buffer levels and improve cash planning over time.

Requirements

Real-time Data Ingestion
"As a finance manager, I want the dashboard to ingest real-time alert events so that I can analyze up-to-the-minute alert trends."
Description

Continuously ingest alert events from the CashPulse system, capturing timestamp, alert type, buffer level, and user responses in a scalable data pipeline to ensure up-to-the-minute analytics.

Acceptance Criteria
Ingest Single Alert Event
Given a new alert event generated by CashPulse When the event reaches the ingestion pipeline Then it is captured within 5 seconds And stored in the staging database with correctly populated fields: timestamp, alert_type, buffer_level, and user_response
Handle Burst of Alert Events
Given a sustained incoming rate of 1,000 alert events per second for 5 minutes When the pipeline is under this load Then no events are dropped And end-to-end ingestion latency remains below 10 seconds
Data Integrity Validation
Given ingestion of alert events When each record is processed Then it must conform to the defined schema And any record failing validation is routed to the error queue with a corresponding error code logged
Pipeline Scalability under Load
Given a spike in alert event volume exceeding the baseline threshold When auto-scaling is triggered Then additional ingestion nodes spin up within 1 minute And no ingestion failures occur during scale-out
Late Arriving Events Handling
Given alert events arriving out of chronological order within a 24-hour window When events are ingested Then the pipeline reorders them by timestamp And logs a delayed-event alert for analyst review
Interactive Alert Frequency Chart
"As a freelancer, I want to see how often I've triggered cash-flow alerts historically so that I can adjust my buffer levels accordingly."
Description

Provide interactive line and bar charts displaying the frequency of alerts over selectable periods, with tooltip details and drill-down capabilities to examine daily, weekly, or monthly trends.

Acceptance Criteria
View Alert Frequency Over Time
Given the user is on the Alert Analytics dashboard and selects a time period (daily, weekly, monthly); When the dashboard loads; Then the line chart accurately plots the total number of alerts for each interval within the selected period.
Switch Between Line and Bar Views
Given the user is viewing the alert frequency line chart; When the 'Bar Chart' toggle is activated; Then the chart seamlessly switches to a bar chart representation with the same data points and axes.
Tooltip Displays Detailed Metrics
Given the user hovers over any data point on the chart; Then a tooltip displays the date or interval label, alert count, and average response time formatted correctly.
Drill-Down to Daily Trends
Given the user clicks on a bar or data point representing an interval; Then the dashboard drills down to show the next-level data (e.g., weekly to daily, monthly to weekly) and updates chart axes and labels.
Select Custom Time Range
Given the user applies a custom date range filter; Then both line and bar charts update to show alert frequencies exclusively within the selected range, and the axes adjust to fit the range.
Custom Timeframe Filters
"As a freelancer, I want to filter alert analytics by custom date ranges so that I can analyze specific periods."
Description

Allow users to filter alert data by predefined intervals (e.g., last 7 days, 30 days, quarter) and custom date ranges, with instant updates to all analytics components on the dashboard.

Acceptance Criteria
Quick Predefined Interval Selection
Given a user views the Alert Analytics dashboard, When they select a predefined interval (e.g., Last 7 Days, Last 30 Days, Quarter) from the filter dropdown and click Apply, Then the dashboard metrics (frequency, response times, outcomes) update instantly to reflect data from the chosen interval.
Custom Date Range Input
Given a user wants to analyze a specific period, When they enter a valid start and end date into the custom date range fields and click Apply, Then the dashboard displays alert data only for the specified date range without page reload.
Instant Dashboard Update
Given any filter (predefined or custom) is applied, When the user confirms the selection, Then all charts, tables, and summary cards refresh within two seconds to show the filtered alert analytics.
Error Handling for Invalid Dates
Given a user enters an invalid date range (start date after end date or dates in the future), When they attempt to apply the filter, Then the system displays an inline error message and prevents the dashboard from updating until the dates are corrected.
Persistence of Selected Filters
Given a user applies a timeframe filter, When they navigate away from and back to the Alert Analytics dashboard during the same session, Then the previously selected filter and corresponding analytics view remain active.
Response Time Heatmap
"As a cash-flow manager, I want to visualize response times across alert events so that I can assess operational performance."
Description

Display a heatmap visualizing distribution of user response times to alerts, highlighting peak response intervals and slow-response outliers for performance evaluation.

Acceptance Criteria
Peak Response Interval Highlighting
Given the user opens the Response Time Heatmap, when the data loads with default thresholds of 30 and 60 minutes, then cells representing intervals with average response time <30 minutes are green, 30–60 minutes are yellow, and >60 minutes are red.
Slow-Response Outlier Detection
Given the heatmap is displayed, when response time data is processed, then any interval in the top 5% of response durations is outlined in black to denote outliers.
Real-Time Heatmap Refresh
Given the heatmap view is active, when new alert responses are recorded in the last 5 minutes, then the heatmap automatically refreshes within 30 seconds without resetting the current view or filters.
User-Defined Threshold Visualization
Given a user updates response time thresholds to custom values, when the user saves these settings, then the heatmap reloads and applies the new color mapping per the updated thresholds.
Drill-Down to Response Details
Given the heatmap is interactive, when the user clicks on a specific time interval cell, then a detailed list of all alert responses for that interval is displayed, sorted by response time ascending.
Outcome Classification Dashboard
"As a business owner, I want to see outcomes of past alerts so that I can understand which actions were effective."
Description

Categorize and present alert outcomes (e.g., self-funded, loan requested, payment paused) in summary tables and pie charts, enabling users to gauge the effectiveness of their responses.

Acceptance Criteria
Display Outcome Summary Tables
Given the Outcome Classification Dashboard is loaded with alert outcome data When the user views the summary table section Then each outcome category (self-funded, loan requested, payment paused) displays the correct count and total amount
Render Outcome Pie Chart
Given the dashboard has categorized alert outcomes When the user toggles to the pie chart view Then the chart renders each outcome category as a proportional segment with correct labels and percentages
Filter Outcomes by Date Range
Given the user has a custom date range selected When the dashboard refreshes data Then only outcomes within the specified date range appear in both tables and charts
Sort Outcome Categories
Given the summary table is displayed When the user sorts by count or total amount descending or ascending Then the categories reorder correctly based on the selected sort parameter
Download Outcome Report
Given the user opts to export data When the “Download Report” button is clicked Then a CSV file downloads containing all outcome categories, counts, amounts, and selected date filters
Data Export and Reporting
"As an analyst, I want to export alert analytics to CSV so that I can perform external analysis."
Description

Enable users to export alert analytics data and visualizations to CSV and PDF formats, including customizable report templates for sharing insights with stakeholders.

Acceptance Criteria
Export Alert Analytics to CSV
Given a user is viewing the Alert Analytics dashboard, when they select the 'Export to CSV' option, then a CSV file is downloaded within 5 seconds containing all visible alert data columns matching the on-screen filters and date range.
Export Alert Analytics to PDF
Given a user is viewing the Alert Analytics dashboard, when they select the 'Export to PDF' option, then a PDF file is generated within 10 seconds, including charts and tables reflecting the current view with proper formatting and saveable to the user's local device.
Customize PDF Report Template
Given a user is on the Report Template settings page, when they create or modify a report template and save it, then the template is available in the export dialog dropdown and applying it updates the PDF layout and content to match the saved template.
Validate Exported Data Integrity
Given any exported CSV or PDF report, when compared to the source data, then the number of records, field values, and chart data points exactly match the data in the Alert Analytics dashboard for the selected date range.
Schedule Automated Report Exports
Given a user configures an automated export schedule, when the scheduled time arrives, then the system automatically generates the selected report format using the chosen template and sends it to the specified email addresses.

RateReveal

Preview your exact advance fee and net funding in real time before tapping, ensuring full transparency and confidence in every transaction.

Requirements

Real-Time Fee Calculation Engine
"As a freelancer, I want to see my exact advance fee and net funding amount instantly when I select an invoice so that I can make an informed decision without waiting for manual calculations."
Description

Develop a backend service that calculates advance fees and net funding amounts instantly based on input invoice values, applicable rates, and user-specific variables. This engine must fetch current rate data, apply business logic for fee determination, and handle varying invoice sizes to ensure accurate, real-time financial transparency for users. It should integrate seamlessly with existing financial modules and support high throughput with minimal latency.

Acceptance Criteria
Small Invoice Instant Fee Preview
Given a single invoice valued at $500 with the applicable rate of 1.5%, when the user enters the invoice details into RateReveal, then the system displays an advance fee of $7.50 and net funding of $492.50 in under 100ms.
Large Invoice Bulk Calculation
Given a batch of 100 invoices totaling $250,000 with varied rate tiers, when the user submits the batch for preview, then the system returns individual advance fees and net funding amounts for each invoice accurately within 500ms.
User-Specific Rate Adjustment
Given a premium-tier user with a negotiated rate of 1%, when the user inputs an invoice of $10,000, then the system applies the 1% rate and displays an advance fee of $100 and net funding of $9,900.
Integration with Financial Module
Given current rate data updated in the financial module at 12:00 PM, when the engine fetches rate data at 12:05 PM, then the system uses the updated rate for fee calculations and logs the data retrieval timestamp.
High Throughput Performance Test
Given 1000 simultaneous invoice calculation requests, when the requests are processed, then 99% of calculations complete with correct fees under a system latency threshold of 200ms and without errors.
Dynamic Fee Preview UI
"As a microbusiness owner, I want a clear preview section that updates immediately when I input my invoice details so that I can understand the cost breakdown without navigating away or refreshing."
Description

Design and implement an interactive front-end component that displays the instant fee calculation and net funding results in a user-friendly dashboard. This UI must update in real time as users adjust invoice values or select different invoice line items. It should highlight key metrics—advance fee, funding amount, and rate percentage—and provide tooltips or info icons for additional context. The component must follow existing design system guidelines for consistency.

Acceptance Criteria
Dynamic Fee Calculation Accuracy
Given a user inputs an invoice amount and selects an advance rate, When the input is confirmed, Then the UI displays the advance fee as (invoice amount × rate) and net funding as (invoice amount – advance fee), formatted as currency within 200ms of input change.
Interactive Invoice Line Item Selection
Given multiple invoice line items listed, When the user selects or deselects one or more items, Then the advance fee and net funding values update dynamically to reflect only the selected items, with no page reload required.
Tooltip and Info Icon Display
Given an info icon adjacent to each key metric, When the user hovers or taps on the icon, Then a tooltip with contextual help text appears and disappears upon mouse out or tap outside the icon area.
Design System Compliance
Given the existing design system guidelines, When the component is rendered, Then it uses the specified typography, color palette, iconography, and spacing exactly as defined in the style guide.
Performance Under Concurrent Usage
Given 100 concurrent users adjusting values, When multiple updates occur simultaneously, Then each UI update completes within 300ms without errors and maintains accurate fee and funding calculations.
Invoice Data Synchronization
"As a freelancer, I want my invoice data to synchronize automatically from my accounting tool so that the advance fee preview uses the most up-to-date information without manual entry."
Description

Implement a data integration layer that securely pulls invoice information from users’ accounting platforms or manual uploads. The synchronization process should support real-time updates and reflect any changes in invoice status, amount, or due date. It must validate data integrity, handle API rate limits, and provide error handling with user notifications when issues arise, ensuring that the fee preview always reflects the latest invoice details.

Acceptance Criteria
Automatic Invoice Import from Accounting Platform
Given a user connects their accounting platform, when the synchronization runs, then the system retrieves all invoices created or updated since the last sync, maps them to the internal schema without data loss, and displays them in the live dashboard within 2 minutes.
Manual Invoice Upload Validation
Given a user uploads an invoice CSV or PDF manually, when the file is processed, then the system validates required fields (invoice number, amount, due date), rejects files with missing or malformed data, and informs the user of specific validation errors.
Real-Time Invoice Status Update
Given an invoice status changes in the connected accounting platform or by manual update, when the change occurs, then the system reflects the new status (paid, overdue, pending) in the dashboard within 30 seconds and recalculates the advance fee preview accordingly.
API Rate Limit Management
Given the accounting platform enforces rate limits, when synchronization requests exceed the allowed rate, then the system queues additional requests, backs off as specified by the API response headers, and resumes without data loss once limits reset.
Error Notification and Recovery
Given any synchronization error (network failure, authentication error, data conflict), when the error occurs, then the system retries according to an exponential backoff policy, logs the error, and notifies the user via in-app alert and email if the issue persists after 3 retries.
Rate Change Alerts
"As a freelancer, I want to receive alerts when the advance fee rate changes significantly so that I can decide whether to proceed with funding before rates shift further."
Description

Create a notification system that informs users immediately when there is a significant change in advance rates due to market fluctuations or policy updates. Alerts should trigger in-app notifications and optional email updates, detailing the old rate, new rate, and effective time. The system must allow users to configure alert thresholds and opt in or out of specific notification channels to maintain user trust and avoid surprise fee adjustments.

Acceptance Criteria
Threshold-Based Rate Change Notification
Given a user-configured threshold for rate changes, When the advance rate fluctuates beyond this threshold, Then the system generates a rate change alert.
In-App Notification Delivery
Given a significant rate change event, When the alert is triggered, Then the user receives an in-app notification within 60 seconds.
Email Alert Configuration
Given a user has opted in for email notifications, When an advance rate change exceeds the configured threshold, Then an email alert is sent to the user’s registered address within 5 minutes.
Notification Content Accuracy
Given a rate change alert is issued, When the user views the notification, Then the alert details accurately display the old rate, new rate, and effective time as recorded by the system.
User Opt-Out Functionality
Given a user has opted out of specific notification channels, When a rate change occurs, Then no alerts are delivered via those channels, while still honoring opt-in channels.
Responsive Mobile Preview
"As a busy freelancer on the go, I want to preview my advance fees on my mobile device so that I can make funding decisions from anywhere without needing a desktop."
Description

Ensure the RateReveal feature is fully responsive and optimized for mobile devices. The preview interface should adapt to varying screen sizes, touch interactions, and performance constraints. Key elements—fee breakdown, net funding, and rate details—must remain legible and interactive on smartphones and tablets. The implementation should leverage mobile-friendly frameworks and undergo thorough testing across popular devices and browsers.

Acceptance Criteria
Mobile Layout Adjustment on Small Screen
Given a smartphone viewport width of 320px to 360px When the user views the RateReveal preview Then all key elements (fee breakdown, net funding, rate details) must be fully visible without horizontal scrolling and maintain minimum 16px padding around each element
Touch Interaction for Fee Breakdown Pop-up
Given the user taps the fee breakdown label When the tap is detected Then a modal or tooltip with detailed fee information appears within 300ms and is dismissed when the user taps outside the modal or the close icon
Responsive Typography for Rate Details
Given any mobile device orientation When the user views the rate details Then font sizes adjust dynamically to maintain legibility (minimum 14px body text) and line-height (minimum 1.4) without truncation
Performance Under Load on Tablets
Given a tablet device handling 10+ simultaneous data updates When the user interacts with the RateReveal preview Then the interface updates in under 200ms per update without frame drops below 30fps
Cross-browser Compatibility on Smartphones
Given latest versions of Chrome, Safari, and Firefox on iOS and Android When the user accesses the RateReveal preview Then all interactive elements function correctly and layouts remain consistent across browsers

SmartSelect

Automatically recommend the best invoices to advance based on cash flow forecasts and invoice age, helping you optimize funding decisions with one tap.

Requirements

Real-time Invoice Sync
"As a freelancer, I want my invoices to sync automatically in real time so that I don't have to manually upload or update invoice details and can rely on accurate recommendations."
Description

Implement seamless, real-time synchronization of invoice data from connected accounting platforms (e.g., QuickBooks, Xero, FreshBooks) into CashPulse. This ensures the SmartSelect feature has the latest invoice details, including issue date, due date, amount, and payment status. By normalizing and aggregating this data, the system maintains up-to-date records to accurately assess invoice eligibility and timing, reducing manual data entry and errors.

Acceptance Criteria
New Invoice Detected in Connected Platform
Given a new invoice is created in a connected accounting platform, when the real-time sync is triggered, then CashPulse displays the invoice in the dashboard within 2 minutes with correct issue date, due date, amount, and payment status.
Invoice Update Reflection
Given an existing invoice is updated (e.g., amount or due date changes) in the accounting platform, when the update occurs, then CashPulse reflects the updated fields within 2 minutes and retains the correct invoice ID.
Invoice Deletion Handling
Given an invoice is deleted or voided in the connected platform, when the deletion is processed, then CashPulse marks the invoice status as ‘Deleted’ and removes it from SmartSelect recommendations within 2 minutes.
Historical Invoice Backfill
Given a user connects a new accounting platform for the first time, when the initial sync completes, then all invoices from the past 12 months appear in CashPulse within 5 minutes, with no missing or duplicate entries.
Data Normalization Consistency
Given invoices imported from different platforms, when data is normalized, then all date fields are in ISO-8601 format, amounts match original values with two decimal precision, and payment status is standardized to ‘Unpaid’, ‘Paid’, or ‘Overdue’.
Cash Flow Forecast Integration
"As a microbusiness owner, I want SmartSelect to consider my forecasted cash flow so that it recommends advancing the right invoices to cover future expenses without leaving me short."
Description

Integrate the existing cash flow forecasting engine with SmartSelect to analyze upcoming cash inflows and outflows. Leverage historical transaction data, scheduled payments, and operational expenses to project cash flow gaps. This integration enables SmartSelect to recommend invoice advances timed to fill forecasted shortfalls, enhancing financial planning and preventing liquidity issues.

Acceptance Criteria
Forecast-based invoice recommendation triggers correctly
Given the cash flow forecast predicts a shortfall of at least $100 within the next 14 days, when the user activates SmartSelect, then the system recommends invoices whose total advance amount covers the projected shortfall and displays them sorted by due date.
Invoice age prioritization in recommendations
Given multiple invoices can cover the forecasted gap, when SmartSelect evaluates the options, then it prioritizes and lists invoices in descending order of invoice age (oldest first).
Historical data accuracy in cash flow projection
Given at least 90 days of historical transaction, payment, and expense data, when the forecasting engine runs, then the projected cash inflows and outflows for the next 7 days must deviate by no more than ±5% from actual recorded values.
User confirmation and one-tap advance workflow
Given SmartSelect displays recommended invoices, when the user taps “Advance Recommended Invoices,” then the system initiates the advance transaction for all selected invoices and updates the dashboard to reflect the new cash position within 2 seconds.
Error handling for insufficient historical data
Given the user has less than 30 days of historical transaction data, when SmartSelect is accessed, then the system displays a warning message “Insufficient data for reliable forecast” and disables the recommendation feature.
Invoice Ranking Algorithm
"As a freelancer, I want invoices to be ranked by how beneficial it is to advance them so that I can choose the best candidates with minimal effort."
Description

Develop a dynamic ranking algorithm that scores invoices based on criteria such as age, size, discount rate, and the user's cash flow forecast. The algorithm should assign a priority score to each invoice, ranking them by potential benefit of early payment. This scoring model will power SmartSelect's recommendations, ensuring users optimize funding costs and timing.

Acceptance Criteria
High Priority Invoice Recommendation
Given a set of invoices with varying ages, sizes, discount rates, and the user's cash flow forecast When the algorithm computes priority scores Then the invoice with the highest calculated net benefit is ranked at the top of the list
Low Benefit Invoice Placement
Given multiple invoices where one has a low discount rate and low cash flow urgency When priority scores are generated Then that invoice appears in the bottom 20% of the ranked list
Cash Flow Forecast Sensitivity
Given a sudden shift in the user's cash flow forecast indicating an upcoming deficit When the algorithm reprocesses invoices Then invoices that alleviate the deficit move to higher priority positions
Invoice Age Influence
Given two invoices of equal amount and discount rate but different ages When scores are calculated Then the older invoice receives a higher priority score
Discount Rate Influence
Given two invoices of equal amount and age but different discount rates When the algorithm evaluates them Then the invoice with the higher discount rate is ranked above the other
Recommendation Interface
"As a user, I want a clear, interactive list of recommended invoices so that I can review and approve them with a single click."
Description

Design and build an intuitive interface within the CashPulse dashboard that displays SmartSelect's top recommended invoices. Include sortable columns, tooltip explanations of scores, and a clear call-to-action button to select recommended invoices. The UI should update in real time as invoice data or forecasts change, providing a smooth user experience that facilitates quick decision-making.

Acceptance Criteria
Viewing Recommended Invoices List
Given the user is on the CashPulse dashboard and SmartSelect data is loaded, When the recommended invoices panel is displayed, Then the top 5 invoices are listed in descending order of recommendation score with columns for Invoice ID, Client Name, Amount, Due Date, Age, and Score.
Sorting Recommended Invoices
Given the recommended invoices list is displayed, When the user clicks any column header (e.g., Amount, Due Date, Score), Then the list reorders accordingly in ascending or descending order and the sort order indicator updates.
Viewing Tooltip Explanations for Scores
Given the user hovers or taps the tooltip icon next to an invoice score, When the tooltip is triggered, Then a descriptive popover appears explaining how the score was calculated (factors: invoice age, forecasted cash flow gap) and disappears on mouse out or tap away.
Real-Time Updates of Recommendations
Given underlying invoice data or cash flow forecast changes, When new data is received, Then the recommended invoices list updates automatically within 2 seconds without a full page reload and visually highlights any changed rows.
Selecting and Advancing Recommended Invoices
Given the user reviews the recommended invoices, When the user clicks the “Advance Selected” call-to-action button, Then the selected invoices are marked for funding and the UI displays a confirmation modal with invoice details and estimated advance amount.
One-Tap Funding Execution
"As a user, I want to advance selected invoices with a single tap so that I can quickly access funds without navigating multiple screens."
Description

Enable a one-tap execution flow that allows users to advance selected invoices instantly through their preferred funding method. The process should include confirmation dialogs, real-time approval checks, and status updates once the transaction is submitted. This feature streamlines the advancement process, reducing steps and time to funding.

Acceptance Criteria
One-Tap Funding from Invoice List
Given the user has one or more recommended invoices selected When the user taps the 'Advance Funding' button Then the system initiates the funding process for those invoices
Funding Confirmation Dialog Presentation
Given the user initiates funding When the system processes the request Then a confirmation dialog appears summarizing invoice details, funding amount, fees, and funding method
Real-Time Approval Check
Given the funding request is initiated When the system performs eligibility verification Then the approval check completes within 5 seconds and returns a success or failure status
Transaction Status Update Display
Given the funding transaction is submitted When approval is confirmed Then the dashboard displays a real-time status update with timestamps and estimated funding delivery date
Funding Cancellation Handling
Given the user decides to cancel funding during confirmation When the user taps 'Cancel' in the confirmation dialog Then the funding process is aborted and the invoice selection is cleared
Feedback-driven Model Refinement
"As a product manager, I want the system to learn from past funding outcomes so that SmartSelect recommendations become more accurate and reliable."
Description

Implement monitoring and feedback loops that track the outcome of each advanced invoice, such as repayment rates and user satisfaction. Feed this data back into the ranking algorithm to continuously refine eligibility criteria and scoring weights. This iterative process will improve recommendation accuracy over time and adapt to changing user behaviors.

Acceptance Criteria
Invoice Outcome Data Capture
Given a user advances an invoice, when repayment is completed or overdue, then the system logs repayment status, repayment date, and any delinquency indicators in the model feedback dataset.
Algorithm Weight Adjustment
Given collected repayment and satisfaction metrics for a batch of advanced invoices, when the system runs its weekly model update, then it recalculates scoring weights based on a predefined optimization function to improve recommendation accuracy by at least 5% in the next cycle.
User Satisfaction Feedback Integration
Given a user completes a cash advance, when the system prompts for satisfaction feedback within 48 hours, then the feedback response is captured, validated, and associated with the corresponding invoice record for model refinement.
Performance Monitoring Dashboard Update
Given new feedback and repayment data, when the model performance metrics (precision, recall) are updated, then the monitoring dashboard reflects the latest metrics within 24 hours and highlights any deviations greater than 10% from baseline.
Continuous Model Retraining Trigger
Given incoming feedback data exceeds a threshold of 100 new records since last training, when the threshold is reached, then an automated retraining job is triggered and notifications are sent to the data science team.

BulkTap

Advance multiple invoices simultaneously with a single tap, streamlining mass funding needs and saving time for frequent advance users.

Requirements

Bulk Invoice Selection
"As a freelancer, I want to select multiple invoices at once so that I can efficiently fund several invoices without repeated individual selections."
Description

Enable users to select multiple outstanding invoices in a single interface, allowing for efficient grouping and management. The system should support filtering, sorting, and checkbox selection to choose invoices by date, amount, or client, ensuring a seamless selection process that integrates with the existing dashboard controls.

Acceptance Criteria
Filter Invoices by Date
Given the dashboard displays outstanding invoices, when the user applies a start and end date filter, then only invoices issued within that date range are displayed and selectable.
Filter Invoices by Client
Given a populated invoice list, when the user selects a specific client from the client filter dropdown, then only invoices belonging to that client are shown and selectable.
Sort Invoices by Amount
Given multiple invoices in the list, when the user selects to sort by amount (ascending or descending), then the invoices reorder correctly based on their total amount.
Bulk Select All Visible Invoices
Given filtered and/or sorted invoices are displayed, when the user clicks the master checkbox at the top of the list, then all visible invoices are selected and their individual checkboxes are checked.
Deselect Individual Invoice After Bulk Selection
Given all visible invoices are selected via the master checkbox, when the user unchecks a single invoice’s checkbox, then that invoice is removed from the selection while the others remain selected.
Batch Advance Trigger
"As a microbusiness owner, I want to tap one button to advance all chosen invoices so that I can quickly access funds without performing separate transactions."
Description

Implement a single action button that initiates the advance process for all selected invoices simultaneously. The feature should consolidate network requests, optimize performance for bulk operations, and integrate with payment APIs to execute advances in one batch, reducing user steps and time.

Acceptance Criteria
Bulk Advance Action Consolidation
Given a user has selected multiple invoices When the user taps 'Advance All' Then the system sends a single consolidated batch request to process advances for all selected invoices
Batch Request Performance Optimization
Given more than 20 invoices selected When the batch advance is triggered Then the system processes the request in under 2 seconds without timing out
Payment API Integration
Given the batch advance request is received Then the payment API is called once per batch and returns individual status codes for each invoice which are recorded in the dashboard
User Feedback and Confirmation
Given the batch advance process completes Then the user sees a summary screen listing each invoice with its advance status and total amount advanced
Error Handling for Batch Advances
Given one or more invoices fail to advance When the batch is processed Then the system flags failures, displays error messages for failed invoices, and allows the user to retry or cancel the batch
Real-Time Bulk Fee Calculation
"As a user, I want to see the total fees and net amount for my batch advance so that I can understand the cost implications before proceeding."
Description

Provide instantaneous calculation of total fees and net advances for the selected invoice group. The interface should display a breakdown of individual and aggregated fees, reflecting current rate structures and offering transparency before confirmation.

Acceptance Criteria
Invoice Selection Bulk Fee Trigger
Given a user selects two or more unpaid invoices, when the selection is updated, then the system recalculates the total fee and net advance within one second.
Accurate Individual Fee Breakdown Display
Given the selected invoices, when the fee breakdown is displayed, then each invoice’s fee is shown with base rate, discounts applied, and calculated net advance.
Aggregated Fee Summary Presentation
Given a selected invoice group, when fees are calculated, then an aggregated summary displays total fees, total advance amount, and total net proceeds.
Dynamic Rate Structure Adaptation
Given a change in the platform’s fee rate, when recalculation is triggered, then the displayed fees update immediately to reflect the new rate.
Validation of Selection Constraints
Given a user selects invoices exceeding the maximum allowed bulk limit, when the user attempts confirmation, then the system displays an error message indicating the limit breach and prevents calculation.
Batch Transaction Confirmation
"As a freelancer, I want a comprehensive summary of my batch advance so that I can verify all details before confirming the transaction."
Description

Design a confirmation screen summarizing each invoice’s amount, fees, and net advance, along with aggregated totals. Users should have the option to review and deselect invoices before final submission, ensuring accuracy and reducing errors in bulk transactions.

Acceptance Criteria
Batch Summary Display
Given a user has selected multiple invoices for advance, when they navigate to the confirmation screen, then each invoice line item must display the original invoice amount, the calculated fee, and the net advance amount.
Aggregated Totals Accuracy
Given the confirmation screen is displayed, when invoices are listed, then the screen must show accurate aggregated totals for total invoice amount, total fees, and total net advance, matching the sum of individual line items.
Invoice Deselection Process
Given the confirmation screen is displayed with multiple selected invoices, when the user deselects an invoice, then that invoice must be removed from the list and both individual and aggregated totals must update immediately.
Confirmation Post-Deselection
Given one or more invoices have been deselected, when the user clicks the confirm button, then only the remaining selected invoices should be processed for advance, and a confirmation message must reference the updated count and total net advance.
Successful Batch Submission
Given the user confirms the batch transaction, when the system processes the advance, then a success notification must display with a summary of processed invoices, total fees charged, net advance funded, and a link to view transaction details.
Bulk Operation Progress Tracking
"As a user, I want to see the processing status of each invoice in my bulk advance so that I know which ones succeeded or need action."
Description

Display progress indicators for each invoice in the batch during processing, showing statuses like pending, succeeded, or failed. The UI should update in real time and provide clear next steps for any invoices that encounter errors, ensuring full visibility into the bulk operation.

Acceptance Criteria
Batch Processing Initiation
Given the user has selected multiple invoices and taps the 'Advance' button, when the bulk operation begins, then the UI displays a progress indicator labeled 'pending' for each invoice within 2 seconds
Real-time Status Updates
Given the bulk operation is in progress, when the status of an invoice changes, then the progress indicator updates to 'succeeded' or 'failed' in real time without a page reload
Successful Invoice Advance
Given an invoice advance completes successfully, when the API returns a successful response, then the UI changes the invoice’s progress indicator to 'succeeded' and displays a green checkmark
Failed Invoice Advance Handling
Given an invoice advance fails, when the API returns an error for that invoice, then the UI changes the invoice’s progress indicator to 'failed' and displays an error icon with a tooltip showing the error message
Error Resolution Next Steps
Given one or more invoices have failed, when the user clicks the 'Retry' or 'View Details' action next to a failed invoice, then the system initiates a retry or opens a detailed error modal respectively within 1 second
Bulk Error Handling & Retry
"As a microbusiness owner, I want to retry only the invoices that failed in my bulk advance so that I don’t have to repeat successful transactions."
Description

Implement robust error handling that identifies failed invoice advances in a batch, provides clear error messages, and allows users to retry failed items individually or as a sub-batch. Ensure that successful advances are not reversed when others fail, and log details for support.

Acceptance Criteria
Partial Failure with Retry Option
Given a user initiates a bulk advance on 10 invoices and 3 fail due to validation errors, When the process completes, Then the UI displays error messages beside each of the 3 failed invoices and presents a 'Retry' button for each failed item.
Individual Invoice Retry After Bulk Failure
Given a user clicks 'Retry' on a single failed invoice from a previously processed bulk batch, When the retry is executed, Then only that invoice is reprocessed and, if successful, its status updates to 'Advanced' without affecting other invoices.
Sub-batch Retry After Bulk Operation
Given a user selects 'Retry Failed Items' for a batch with multiple failures, When the sub-batch retry is executed, Then all failed invoices in that sub-batch are reprocessed together and each invoice’s status updates individually based on success or failure.
No Rollback of Successful Advances
Given a bulk advance operation where some invoices succeed and others fail, When errors occur, Then the system preserves the 'Advanced' status on all successful invoices and does not reverse any completed advances.
Error Logging for Support
Given any invoice advance failure occurs in a bulk operation, When the failure is detected, Then the system logs the invoice ID, error code, failure reason, timestamp, and user ID, and makes these logs available in the support dashboard within five minutes.

TapScheduler

Schedule future one-tap advances at predetermined dates or cash flow triggers, ensuring your buffer stays healthy without manual intervention.

Requirements

Scheduled Date Advances
"As a freelancer, I want to schedule automatic cash advances on known expense dates so that I never face gaps in my account when bills are due."
Description

Enable users to predefine specific calendar dates on which one-tap cash advances are automatically executed. This feature seamlessly integrates with the CashPulse backend to queue advances at midnight UTC on chosen dates, ensuring buffer funds are topped up before projected shortfalls. It supports single-instance scheduling, displays upcoming advance dates in the dashboard, and safeguards against conflicting or duplicate schedules.

Acceptance Criteria
User Schedules a Single Advance
Given a user selects a future calendar date for a one-tap advance, When they confirm the schedule, Then the system displays the scheduled advance in the dashboard with the correct date, amount, and status 'Scheduled'.
Automatic Execution of Scheduled Advances
Given the system clock reaches midnight UTC on a scheduled date, When a scheduled advance is due, Then the system automatically queues and executes the cash advance and updates the dashboard with a confirmation of successful execution.
Scheduled Advances Display in Dashboard
Given one or more advances are scheduled, When the user views the dashboard, Then each scheduled advance is listed with its date, amount, and unique identifier, and no duplicate entries exist.
Duplicate Advance Date Prevention
Given a user attempts to schedule an advance on a date already scheduled, When they submit the request, Then the system blocks the duplicate submission and displays an error message indicating the date is already in use.
Conflict Handling for Overlapping Advance and Cashflow Trigger
Given a scheduled date advance coincides with a cash flow trigger event, When both triggers occur on the same date, Then the system prioritizes the calendar date schedule, prevents duplicate advances, and logs the conflict for auditing.
Cash Flow Triggered Advances
"As a microbusiness owner, I want advances to trigger when my projected balance dips below $500 so that I can maintain a healthy operational buffer without manual checks."
Description

Provide conditional scheduling that monitors real-time cash flow forecasts and automatically triggers advances when projected balances fall below user-defined thresholds. This requirement links the live dashboard forecasting engine with the TapScheduler module, allowing users to set minimum balance triggers, review trigger history, and adjust thresholds as their financial situation evolves.

Acceptance Criteria
Automatic Advance Trigger on Threshold Breach
Given a user has set a minimum balance threshold of $X in settings; When the forecasting engine projects that the cash balance will fall below $X within the next 7 days; Then the system automatically creates a one-tap advance scheduled for the earliest eligible date; And an in-app and email notification is sent to the user summarizing the trigger event.
Review Trigger History
Given the user is on the TapScheduler history page; When the user views the trigger history; Then the system displays a chronological list of all previous cash flow triggers including trigger date, threshold value, projected balance, and advance amount; And entries are sorted by most recent first.
Dynamic Threshold Adjustment Before Trigger
Given an advance is pending due to a forecasted threshold breach; When the user updates the threshold value before the scheduled advance date; Then the system recalculates against the updated forecast; And either adjusts the pending advance amount or cancels the scheduled advance accordingly; And the user is notified of the change.
Integration of Forecast Data with Scheduler
Given real-time updates to the cash flow forecast; When the forecast engine receives new transaction data; Then the scheduler re-evaluates all user-defined thresholds in under 5 minutes; And any new breaches schedule advances or cancel existing ones as needed.
Prevention of Duplicate Triggers
Given an advance has already been scheduled for a threshold breach; When subsequent forecast re-evaluations still show the balance below the same threshold; Then the system does not schedule an additional advance for that threshold event; And no additional notifications are sent.
User Notification on Scheduled Advances
Given the system schedules an advance based on a threshold trigger; When the advance is successfully scheduled; Then the user receives both an email and an in-app notification containing trigger date, threshold value, projected balance, and scheduled advance date and amount.
Recurring Advance Plans
"As a consultant, I want to set a biweekly advance so that I automatically top up my buffer at consistent intervals without reconfiguring each time."
Description

Introduce customizable recurrence patterns for one-tap advances, including daily, weekly, biweekly, and monthly intervals. The system will generate series of scheduled advances based on the chosen pattern, handle exceptions (e.g., weekends or holidays), and allow users to pause or modify the entire series. Integration ensures that recurring plans reflect in cash flow projections and schedule overviews.

Acceptance Criteria
Monthly Advance Scheduled on Weekday
Given a user sets up a monthly recurring advance on the 15th of each month When the 15th falls on a weekday Then the system generates an advance on that date and displays it in the schedule overview
Advance Skipped or Adjusted on Holiday
Given a user schedules a weekly advance on Wednesdays When a scheduled Wednesday is a bank holiday Then the system shifts the advance to the previous business day and notifies the user of the adjustment
User Pauses and Resumes Recurring Plan
Given a user has an active biweekly plan When the user pauses the plan Then no advances are generated until the user resumes And upon resumption, the system continues the series at the next scheduled interval
User Modifies Recurrence Interval Mid-Series
Given a user has an active monthly plan When the user changes the recurrence to biweekly Then the system updates all future advance dates according to the new pattern And maintains past advance history unchanged
Recurring Plan Reflected in Cash Flow Forecast
Given a user has created a recurring advance plan When the system projects cash flow Then the forecast includes the amounts and dates of all scheduled advances in the plan
Edit and Cancel Schedules
"As a small business owner, I want to edit or cancel planned advances so that I can adjust my scheduling when my financial needs change."
Description

Allow users to view, modify, or delete any future one-tap advance schedules, whether date-based, trigger-based, or recurring. The interface will list all upcoming and past schedules, provide inline editing for dates, thresholds, and recurrence settings, and confirm cancellation to prevent unintended removal. Backend safeguards ensure data consistency and update forecasting models immediately upon change.

Acceptance Criteria
Viewing Scheduled Advances List
When the user navigates to the TapScheduler Schedules page, the system displays all upcoming and past one-tap advance schedules, showing date, trigger threshold, and recurrence settings in a list sorted by ascending date.
Editing an Existing Advance Schedule
Given an existing future schedule, when the user edits the date, trigger threshold, or recurrence inline and confirms, then the system validates inputs, saves changes to the backend, refreshes the UI to reflect the updates, and updates the forecasting model immediately.
Canceling a Scheduled Advance with Confirmation
Given an upcoming schedule, when the user clicks the cancel action and confirms in the confirmation dialog, then the schedule is removed from the list, the backend marks it as canceled, the forecast model updates accordingly, and the user sees a success notification; if the user dismisses, no changes are made.
Modifying Recurrence Settings for an Advance
Given a schedule with an existing recurrence pattern, when the user changes the recurrence frequency or end date and saves, then the system persists the new pattern, updates the displayed schedule details including next occurrence dates, and recalculates the forecast based on the new recurrence.
Handling Invalid Date Inputs during Schedule Editing
When the user enters a past date or malformed date format in the edit interface and attempts to save, then the system prevents submission, highlights the invalid field, and displays an inline error message prompting the user to select a valid future date.
Real-Time Forecast Update upon Schedule Modification
When any schedule is added, edited, or canceled, then the live dashboard’s cash flow forecast recalculates to incorporate the change and displays updated projections within two seconds.
Advance Notifications and Alerts
"As a freelancer, I want to receive alerts before and after scheduled advances so that I stay informed and can intervene if something goes wrong."
Description

Implement a notification system that alerts users via email and in-app messages before and after scheduled advances. Notifications will include advance amount, scheduled date or trigger condition, and a link to modify the schedule. Alerts for failures (e.g., insufficient invoice value) will provide actionable steps. This feature enhances transparency and user control over automated cash flows.

Acceptance Criteria
Email Pre-Advance Notification Delivery
Given a user has a scheduled advance set for a specific date, When the system clock reaches 24 hours before the scheduled date, Then an email notification including the advance amount, scheduled date, and a link to modify the schedule is sent to the user's registered email address within 5 minutes.
In-App Pre-Advance Notification Display
Given a user has a scheduled advance set, When the user opens the CashPulse app within 24 hours of the scheduled advance, Then an in-app notification banner displaying the advance amount, scheduled date, and a link to modify the schedule appears immediately.
Post-Advance Confirmation Delivery
Given an advance is successfully processed on schedule, When the advance completes, Then both an email and an in-app message confirming the processed amount, actual date, and a link to view advance history are delivered within 10 minutes.
Advance Failure Alert for Insufficient Funds
Given an automatic advance fails due to insufficient invoice value, When the failure occurs, Then the user receives an email and in-app notification detailing the reason for failure and providing actionable steps to resolve the issue, delivered within 5 minutes.
Notification Link Leads to Schedule Modification
Given the user receives any notification containing a modify-schedule link, When the user clicks the link, Then they are directed to the TapScheduler interface with the existing advance details pre-populated, and can immediately edit and save changes.

SecureTap

Unlock advances using biometric or two-factor authentication, providing a fast yet secure way to access funds under 60 seconds with total peace of mind.

Requirements

Biometric Authentication Integration
"As a microbusiness owner, I want to use my device’s biometric scanner to authenticate fund advances so that I can quickly and securely access my money without entering passwords."
Description

Integrate with device-native biometric APIs (e.g., Touch ID, Face ID) to allow users to authenticate and unlock fund advances using fingerprint or facial recognition. Ensure end-to-end encryption of biometric data, handle API fallbacks gracefully, and comply with platform-specific security guidelines.

Acceptance Criteria
Successful Biometric Authentication
Given the user has enrolled biometrics on the device and opens SecureTap, When the user requests to unlock an advance, Then the system prompts for biometric scan, and upon successful authentication, unlocks the advance funds within 60 seconds.
Fallback to Passcode on Biometric Failure
Given biometric authentication is unavailable, declined, or fails repeatedly, When the user cancels or exhausts biometric attempts, Then the system gracefully prompts for passcode entry to complete authentication without interrupting the advance process.
Secure Data Transmission
Given a biometric scan is performed, When the system processes the authentication, Then all biometric data remains on-device, only encrypted authentication tokens are transmitted to the server, and no raw biometric data is logged or transmitted.
Unsupported Device Biometric
Given the user’s device does not support biometric authentication, When the user accesses SecureTap, Then the biometric option is hidden, and the user is guided to authenticate via passcode or two-factor authentication.
Multiple Failed Attempts Lockout
Given the user fails biometric authentication five consecutive times, When the fifth attempt fails, Then the system disables biometric authentication for 30 seconds and displays a passcode prompt with a clear explanation.
Two-Factor Authentication Workflow
"As a freelancer, I want to receive a one-time code via SMS so that I can still unlock funds securely when biometrics fails."
Description

Implement a two-factor authentication (2FA) process as a fallback for devices without biometric support. Send one-time passcodes via SMS or email, validate codes within a secure, time-limited window, and handle retries and error states. Ensure the workflow is seamless and integrated into the SecureTap UI.

Acceptance Criteria
Send and Validate OTP via SMS
Given a user without biometric support on the SecureTap screen When the user selects “Send code via SMS” Then a one-time passcode is sent to the registered phone number within 30 seconds And the system displays a masked phone number confirmation
Send and Validate OTP via Email
Given a user without biometric support on the SecureTap screen When the user selects “Send code via Email” Then a one-time passcode is sent to the registered email within 30 seconds And the system displays a masked email confirmation
Handle OTP Resend Attempts
Given a user on the OTP entry screen When the user clicks “Resend code” Then the system sends a new one-time passcode And throttles resend requests to a maximum of 3 attempts within 5 minutes
OTP Expiration Handling
Given a one-time passcode has been issued When more than 2 minutes elapse before entry Then the system rejects the code on submission And prompts the user to request a new one-time passcode
Error Handling for Invalid Codes
Given a user enters an incorrect one-time passcode When the user submits the code Then the system displays an error message “Invalid code, please try again” And blocks further attempts after 5 consecutive failures
Secure Session Management
"As a user, I want my authentication session to expire after a short period of inactivity so that my account remains secure if left unattended."
Description

Establish encrypted user sessions post-authentication, with automatic timeouts after a defined period of inactivity. Store session tokens securely, enforce re-authentication for high-risk actions, and ensure sessions terminate properly on logout or expiration to prevent unauthorized access.

Acceptance Criteria
Session Timeout Enforcement
Given a user is inactive for 15 minutes, when the timeout threshold is reached, then the user session should be invalidated and the user is redirected to the login page without residual session tokens.
Encrypted Session Token Storage
Given a new session token is issued upon authentication, when the token is stored, then it must be encrypted at rest using AES-256 encryption and only accessible by the session management service.
Secure Logout Termination
Given a user clicks logout, when the logout request is processed, then the session token is removed from both client and server-side storage and any further requests using the token are rejected.
Two-Factor Re-Authentication for High-Risk Actions
Given a user initiates a fund withdrawal above $1,000, when the action is processed, then the system prompts for two-factor authentication and only proceeds if the second factor is validated.
Idle Session Warning Prompt
Given a user has been inactive for 13 minutes, when the inactivity threshold approaches, then a warning modal appears indicating the session will expire in 2 minutes and allows the user to extend the session by interacting with the prompt.
Secure Key Storage
"As a security-conscious user, I want my biometric data and encryption keys stored only in the device’s secure enclave so that my sensitive information is protected from breaches."
Description

Store all cryptographic keys and sensitive tokens in the device’s secure enclave or equivalent hardware-backed keystore. Prevent keys from being exported, ensure keys are unlocked only after successful biometric or 2FA, and rotate keys per security policy.

Acceptance Criteria
Device Biometric Enrollment
Given a device with enrolled biometrics, When the user attempts to unlock cryptographic keys via biometric authentication, Then keys are only unlocked if authentication succeeds within 60 seconds
Two-Factor Authentication Flow
Given a user with 2FA enabled, When the user submits the correct second factor, Then the secure enclave releases the cryptographic key within 60 seconds
Key Export Attempt Prevention
When any export function is invoked on cryptographic keys, Then the operation fails with ‘access denied’ and no key material is exposed
Scheduled Key Rotation
Given that the key rotation interval is reached, When the system triggers rotation, Then a new key is generated in the secure enclave, the previous key is archived securely, and an audit log entry is created
Recovery After Biometric Failure
Given three consecutive failed biometric attempts, When the user opts for recovery, Then the system allows 2FA fallback to unlock keys and resets the biometric attempt counter
Instant Fund Release Notification
"As a user, I want to receive an instant notification when my advance is unlocked so that I know the transaction is complete and my funds are available."
Description

After successful authentication and fund advance approval, trigger immediate in-app, push, and email notifications detailing the release of funds. Include transaction amounts, timestamps, and reference IDs to provide transparency and build user trust.

Acceptance Criteria
In-App Notification Delivery
Given a user completes SecureTap authentication and the fund advance is approved, when the approval event is processed, then an in-app notification is displayed within 5 seconds containing the transaction amount, timestamp in the user’s locale, and reference ID.
Push Notification Delivery
Given a user’s device is registered for push notifications, when funds are released, then a push notification is sent and appears on the device lock screen or notification shade within 10 seconds with the correct transaction amount, timestamp, and reference ID.
Email Notification Delivery
Given a user has a valid email address on file, when a fund advance is approved, then an email is sent within 60 seconds including the subject “CashPulse Funds Released,” the transaction amount, timestamp, reference ID, and a link to view details in the app.
Notification Content Accuracy
Given notifications are generated across channels, when the content payload is assembled, then the amount, timestamp, and reference ID in in-app, push, and email notifications must match the transaction record stored in the system.
Notification Timing Performance
Given the notification service processes fund approval events, when the event is emitted, then the full notification flow (in-app, push, and email) completes within 60 seconds of approval.

Client Scorecard

Presents a detailed breakdown of each client’s risk score, highlighting payment history, average delay, and dispute frequency to help users make informed funding decisions.

Requirements

Payment History Integration
"As a freelancer, I want to view my client’s full payment history inside CashPulse so that I can assess their reliability before advancing funds."
Description

Enable seamless integration with invoicing and payment systems to aggregate each client’s complete payment history, including dates, amounts, and statuses. This integration ensures that the scorecard has accurate and up-to-date information, allowing users to see a comprehensive view of how timely clients pay over time, identify patterns, and make informed funding decisions.

Acceptance Criteria
Importing Initial Payment Records
Given a user connects their invoicing system, when the initial sync is performed, then all payment records from the past 12 months with date, amount, and status fields are fetched and stored in the CashPulse database with 99% accuracy.
Real-Time Payment Status Updates
Given a payment is marked as paid in the invoicing system, when the status changes, then the updated payment status is reflected in CashPulse within 5 minutes, showing the correct payment date and amount.
Handling Duplicate Payment Entries
Given duplicate payment records are received from the integration API, when duplicates are detected, then the system merges entries based on unique payment ID, preventing duplicate records in the payment history.
Resuming Interrupted Data Sync
Given an interruption occurs during data synchronization, when connectivity is restored, then the system resumes from the last successfully synced record without reprocessing previously fetched data.
Synchronization Error Notification
Given an API error or authentication failure during data sync, when the error occurs, then an alert is logged and a notification is sent to the user dashboard with a clear error message and remediation steps.
Delay Metrics Computation
"As a microbusiness owner, I want to know the average number of days my client pays late so that I can factor delays into my cash flow planning."
Description

Automatically calculate the average payment delay for each client by comparing invoice due dates against actual payment dates. This metric highlights clients who frequently pay late, helping users gauge potential cash flow risks and adjust funding strategies accordingly.

Acceptance Criteria
Single Invoice Delay Computation
Given an invoice with due date D and actual payment date P when P is after D then the system calculates delay as P minus D in whole days and displays this value.
Multiple Invoices Average Delay Calculation
Given a client with N invoices each having an individual delay d_i when the system computes the average delay then it calculates (sum of d_i)/N and rounds to the nearest whole day.
Real-time Delay Metric Update
Given a user records a new payment for an invoice when the payment is saved then the system recalculates the client's average payment delay within 2 seconds and refreshes the dashboard display.
Negative Delay Handling for Early Payments
Given an invoice is paid before its due date when the system computes the delay then it sets the delay to 0 days instead of a negative value.
Integration with Client Scorecard View
Given a user views a client's scorecard when the delay metrics are available then the 'Average Delay' value is displayed correctly along with an informative tooltip explaining its calculation.
Dispute Frequency Tracker
"As a freelancer, I want to see how often my clients dispute invoices so that I can evaluate their risk and decide whether to finance their unpaid invoices."
Description

Track and quantify the number and frequency of invoice payment disputes per client over a configurable time period. By highlighting clients with frequent disputes, users can anticipate potential payment issues and make more cautious funding decisions.

Acceptance Criteria
Configurable Time Period Definition
Given the user navigates to the Dispute Frequency Tracker settings When the user enters a custom time period between 30 and 180 days Then the system saves and applies the selected time period for dispute frequency calculations
Accurate Dispute Count Calculation
Given a client has multiple invoices with disputes filed within the configured time period When the system aggregates dispute data Then the displayed total dispute count matches the actual number of disputes recorded
Identification of High-Risk Clients
Given the user views the client list sorted by dispute frequency When a client’s dispute count exceeds the high-risk threshold Then the client is flagged with a red warning icon and added to the high-risk clients list
Historical Trend Visualization
Given the user switches to the dispute trend chart for a specific client When viewing the chart over the selected period Then the system displays a time-series line graph showing monthly dispute frequency
Dispute Metrics Data Export
Given the user selects the export option from the Dispute Frequency Tracker When choosing CSV as the format Then the exported file includes client ID, dispute count, and time-period details for all clients
Risk Score Algorithm
"As a CashPulse user, I want a single risk score for each client so that I can quickly compare reliability and prioritize which unpaid invoices to fund."
Description

Develop and implement an algorithm that weights payment history, average delay, dispute frequency, and other relevant factors to compute a composite risk score for each client. This score provides a quick, standardized assessment of client reliability and aids in decision-making.

Acceptance Criteria
New Client Risk Score Calculation
Given a new client profile with defined payment history, average delay, and dispute frequency and configured factor weights, When the risk score algorithm runs, Then output a numerical risk score between 0 (lowest risk) and 100 (highest risk) consistent with the weighted inputs.
Risk Score Update on Payment Receipt
Given an existing client’s invoice status changes to ‘Paid’, When the algorithm processes the payment update, Then the client’s risk score is recalculated and updated in the system within 5 minutes.
Dispute Frequency Impact Calculation
Given a client with one or more disputed invoices and predefined dispute weight, When the algorithm processes dispute records, Then each dispute increments the risk score by the configured weight and the final score reflects the total dispute impact.
Composite Risk Score Normalization
Given multiple raw risk scores computed across clients, When the normalization routine runs, Then all scores are scaled linearly to a 0–100 range and maintain relative ranking.
Risk Score Dashboard Display
Given a calculated risk score for a client, When the user opens the Client Scorecard dashboard, Then the risk score is displayed prominently with appropriate color coding: green for ≤30, yellow for 31–70, and red for ≥71.
Interactive Scorecard Dashboard
"As a user, I want an interactive dashboard that shows client risk scores and allows me to drill into individual metrics so that I can understand and explain funding decisions."
Description

Design and build an interactive user interface displaying each client’s risk score along with detailed breakdowns (payment history, delay metrics, dispute frequency). Include sortable tables, filter options, and tooltips for explanations, enabling users to explore and interpret data intuitively.

Acceptance Criteria
Sorting Client Risk Score Table
Given the user is on the Interactive Scorecard Dashboard When the user clicks on any column header Then the table data is sorted in ascending order on the first click and descending order on the second click for that column
Filtering Clients by Risk Score Range
Given the user is on the Interactive Scorecard Dashboard When the user sets the risk score slider to a specific range Then only clients with risk scores within that range are displayed in the table
Viewing Payment Metric Tooltips
Given the user is on the Interactive Scorecard Dashboard When the user hovers over a payment metric label Then a tooltip appears providing a clear explanation of that metric
Displaying Correct Average Delay
Given the user has invoice data loaded When the dashboard calculates the average payment delay Then the displayed average matches the calculated value from the underlying invoice records
Responsive Layout on Different Devices
Given the Interactive Scorecard Dashboard is accessed from desktops, tablets, and mobile devices When the viewport size changes Then the dashboard layout adjusts responsively while retaining full functionality of tables, filters, and tooltips

Dynamic RateAdjust

Automatically adjusts advance fees in real time based on the client’s evolving risk score, ensuring fair pricing and protecting users from high-risk defaults.

Requirements

Risk Score Integration
"As a freelancer, I want CashPulse to automatically update my risk score in real time so that the fees I’m charged accurately reflect my current creditworthiness."
Description

Integrate CashPulse with the external risk scoring service to fetch and update client risk scores in real time. Ensure secure API communication with proper authentication, error handling, and retry logic. Map and normalize incoming data to the system’s data model, maintain synchronization schedules, and handle data discrepancies. This integration must support configurable polling intervals and webhooks for immediate updates, providing reliable risk inputs for fee adjustments.

Acceptance Criteria
Initial Risk Score Fetch
Given a new client record is created When the system sends an authenticated request to the external risk scoring API Then the API responds within 2 seconds; And the returned risk score is normalized and stored in the client profile; And a success log entry is created
Scheduled Polling for Risk Score Updates
Given a configured polling interval When the scheduler triggers a risk score update Then the system fetches the latest score for each client; And updates the stored score only if it has changed; And records the fetch timestamp in audit logs
Webhook-triggered Risk Score Update
Given the external service sends a webhook notification When the system receives and validates the webhook payload Then it immediately fetches the new score via API; And normalizes and updates the client record; And acknowledges the webhook with HTTP 200
Handling API Errors and Retries
Given an API request fails with a transient error When the system receives a 5xx or network timeout Then it retries the request up to 3 times with exponential backoff; And logs each retry attempt; And flags the client for manual review if all retries fail
Data Mapping and Normalization
Given the API returns a risk score in an external format When the system parses the response Then it maps the external fields to the internal data model; And converts score ranges to the defined 0–100 scale; And validates that required fields are present
Data Discrepancy Detection and Resolution
Given a fetched risk score differs by more than 20% from the last stored value When the new score is ingested Then the system generates a discrepancy alert; And queues the record for manual verification; And does not apply the new score until verification is complete
Rate Calculation Engine
"As a freelancer, I want dynamic fee calculation based on my risk score so that I pay a fair advance fee aligned with my actual risk."
Description

Develop a dynamic rate calculation engine that translates client risk scores into advance fee percentages using a configurable sliding-scale algorithm. The engine should recalculate fees instantly as new scores arrive, apply minimum and maximum caps, and handle edge cases such as missing or anomalous scores. Integrate this engine with the existing underwriting and payment modules to ensure seamless fee application at the time of invoice advance.

Acceptance Criteria
Real-time Fee Adjustment on Risk Score Update
Given a client’s risk score changes, when the new score is received by the engine, then the advance fee percentage is recalculated and updated in under 500 milliseconds based on the sliding-scale algorithm
Fee Floor Enforcement for Low-Risk Clients
Given a client risk score that falls below the low-risk threshold, when the fee percentage calculated is below the configured minimum cap, then the engine applies the minimum fee cap consistently
Fee Ceiling Enforcement for High-Risk Clients
Given a client risk score that exceeds the high-risk threshold, when the fee percentage calculated is above the configured maximum cap, then the engine applies the maximum fee cap consistently
Graceful Handling of Missing Risk Scores
Given an invoice advance request lacks a valid risk score, when the engine processes the request, then it assigns the default fee percentage and logs the missing-score event
Anomalous Score Detection and Default Fee Application
Given an anomalous or out-of-range risk score is received, when the engine detects the anomaly, then it rejects the anomalous score, applies the fallback fee percentage, and records an alert for review
Seamless Integration with Underwriting Module
Given an invoice advance is approved by underwriting, when the rate calculation engine computes the fee, then the calculated fee is correctly transmitted to the payment module and displayed in the user’s advance confirmation
Real-Time Monitoring Dashboard
"As a freelancer, I want to see real-time adjustments to my advance fees and risk score on my dashboard so that I can make informed funding decisions."
Description

Enhance the user dashboard to display live fee rates alongside corresponding risk scores, historical adjustments, and trend visualizations. Implement intuitive UI components (charts, gauges, tables) that update in real time without page refresh. Optimize data fetching and rendering for performance, ensuring low latency and scalability as user numbers grow. Provide filters and tooltips for deeper insight into adjustment drivers.

Acceptance Criteria
Live Fee Rates Displayed in Dashboard
Given the user is viewing the dashboard, When the system fetches the current fee rate and risk score, Then the dashboard displays the live fee rate next to the risk score and refreshes within 2 seconds of any change.
Historical Fee Adjustment Visualization
Given a user selects the historical view, When the user opens the historical adjustment chart, Then the system displays at least 6 months of past fee adjustments with accurate timestamps and values in a clear trend visualization.
Real-Time Updates Without Page Refresh
Given data changes on the server, When a new fee rate or risk score update occurs, Then the dashboard automatically updates the relevant UI components without requiring a full page reload.
Dashboard Performance Under Load
Given 1,000 concurrent users, When all users access the dashboard simultaneously, Then the time to first data render remains under 1 second and average latency for updates stays below 200ms.
Filters and Tooltips Functionality
Given the user interacts with a chart or table, When they hover over data points or apply filters, Then context-sensitive tooltips appear within 200ms and the data view updates correctly based on selected filter criteria.
Notification & Alerts
"As a freelancer, I want to receive notifications when my advance fees change due to risk score updates so that I can stay informed and respond promptly."
Description

Build a notification system that alerts users when their advance fee changes due to risk score updates beyond configurable thresholds. Support multiple channels (in-app, email, push) with templated messages highlighting old vs. new rates and the reason for change. Allow users to set personal notification preferences and thresholds. Ensure timely delivery and track notification status for auditability.

Acceptance Criteria
Threshold-based Rate Change Notification
Given a user has configured a rate-change threshold, when the client’s risk score update causes the advance fee to change beyond that threshold, then the system must send notifications to all selected channels (in-app, email, push) including the old fee, new fee, and reason within 5 minutes of the change.
Personalized Notification Channel Preferences
Given a user updates their notification channel preferences or rate-change thresholds in their settings, when the system processes subsequent risk-score–driven fee adjustments, then notifications must only be sent via the updated channels and only for changes exceeding the newly configured thresholds.
Notification Content Accuracy Audit
Given an advance fee adjustment event, when generating notification messages, then the content must accurately display the previous fee, updated fee, and explicit reason for change (e.g., risk-score increase), match values in the database, and use the correct template without placeholder errors.
Notification Delivery Timeliness
Given a risk-score–triggered fee adjustment occurs, when the notification is created, then the system must queue and dispatch the message within 5 minutes, perform up to three retry attempts on transient failures with exponential backoff, and log any dispatch failures.
Notification Status Tracking
Given notifications are sent for fee changes, when the notification lifecycle progresses, then the system must record and update status states (queued, sent, delivered, opened) in the audit log and expose these statuses via the user interface and API.
Audit Logging & Reporting
"As a freelancer, I want a transparent log of all fee adjustments and risk score changes so that I can review and audit how my fees were determined."
Description

Implement comprehensive logging of all events related to risk score retrieval, rate calculations, and fee adjustments. Store logs in a centralized, secure datastore with retention policies. Develop reporting endpoints and export tools for users and administrators to review adjustment histories, filter by date or score range, and export to CSV/PDF. Ensure logs capture timestamps, user IDs, score inputs, computed rates, and system actions for compliance and transparency.

Acceptance Criteria
Risk Score Retrieval Logging
Given a user requests the risk score for an invoice, when the system retrieves the risk score, then an audit log entry is created containing timestamp, user ID, invoice ID, input score request parameters, and retrieval action stored in the centralized datastore.
Rate Calculation Traceability
Given the system calculates an advance rate, when rate calculation is complete, then the log entry includes computed rate details, formula version, input risk score, timestamp, and user ID.
Fee Adjustment Logging
Given the dynamic fee adjustment process runs, when the fee is updated based on the new risk score, then a log entry records the original fee, adjusted fee, timestamp, user ID, risk score changes, and system action.
Filtered Reporting Endpoint
Given a user accesses the reporting endpoint, when applying filters for date range and risk score thresholds, then the endpoint returns a JSON list of log entries matching filters with correct pagination and metadata.
Export Log to CSV
Given an admin requests a log export, when filtering by date and score range, then the system generates a CSV containing all matching log entries with proper headers and timestamps, and provides a download link within 10 seconds.
Export Log to PDF
Given an admin requests a log export in PDF format, when filtering by date and score range, then the system generates a paginated PDF report with a summary section and detailed entries, properly formatted, and provides a download link within 10 seconds.

PredictPay Forecast

Leverages machine learning to predict the likelihood and timing of upcoming payments, empowering users to anticipate cash flow and plan advances strategically.

Requirements

Historical Payment Data Import
"As a freelancer, I want to import my past invoice payment records from external platforms so that the forecast model can learn patterns from my real payment history."
Description

Enable users to seamlessly import and normalize past invoice payment records from supported accounting and invoicing platforms to provide the ML model with accurate historical data for predicting future payments.

Acceptance Criteria
QuickBooks Invoice Import
Given a user has authenticated their QuickBooks account via OAuth When the user selects a date range for historical invoices Then the system retrieves all invoice records within the range without errors and displays the total count
Xero Invoice Import
Given a user has provided valid Xero API credentials When the user initiates the import of past invoice data Then the system fetches all invoices from Xero and confirms successful retrieval with no data omissions
Data Normalization Across Platforms
Given imported invoices from multiple accounting sources When the system processes the historical data Then all date fields are converted to ISO 8601 format and currency values are standardized to the user’s default currency
Duplicate Record Detection and Resolution
Given imported historical invoice data When the system identifies duplicate invoices based on invoice number and date Then duplicates are flagged, and the user is prompted to merge or skip each duplicate record
User Preview and Confirmation
Given the system has imported and normalized historical invoices When the user views a preview of a sample of 10 records Then the user can approve the dataset or reject and configure import settings before finalizing
Payment Timing Prediction Engine
"As a microbusiness owner, I want the system to predict when each invoice is likely to be paid so that I can plan my cash flow in advance."
Description

Develop the core machine learning engine that analyzes historical and current invoice data to predict payment dates and probabilities, with continuous model retraining as new payment information becomes available.

Acceptance Criteria
Invoice Data Ingestion
Given a dataset of 10,000 historical invoices and 100 new invoices, when the ingestion job runs, then all 10,100 records are processed with 0% failure and within 60 seconds.
Payment Date Prediction Accuracy
Predicted payment dates have a Mean Absolute Error (MAE) of less than or equal to 3 days compared to actual payment dates on a validation set of 1,000 invoices.
Probability Confidence Score Threshold
Each prediction includes a confidence score, and at least 90% of predictions must have a confidence score of 0.8 or higher.
Real-time Model Retraining
When new payment data is received daily, the model retrains within 15 minutes and deploys the updated model without manual intervention.
Prediction Delivery in Dashboard
When the user accesses the CashPulse dashboard, predicted payment dates and confidence scores are displayed for all outstanding invoices within 5 seconds, with no API errors.
Forecast Confidence Scoring
"As a user, I want to see confidence levels for each predicted payment so that I can judge how much to rely on the forecast."
Description

Provide confidence scores for each predicted payment, indicating the model’s certainty level, and highlight low-confidence predictions for users to review and adjust their planning accordingly.

Acceptance Criteria
Display Confidence Scores on Forecast Dashboard
Given the user navigates to the PredictPay Forecast dashboard, when payment predictions load, then each prediction displays a confidence score as a percentage (0–100%) next to the payment amount.
Highlight Low-Confidence Predictions
Given a predicted payment has a confidence score below 50%, when displayed on the dashboard, then the payment row is visually highlighted (e.g., orange background) and a tooltip labeled “Low Confidence” appears on hover.
Filter Predictions by Confidence Threshold
Given the user opens the filter panel and sets a minimum confidence threshold, when the filter is applied, then only payment predictions with confidence scores equal to or above the specified threshold are shown.
Alert for Critically Low-Confidence Payments
Given one or more predicted payments have confidence scores below 30%, when the system updates forecasts, then an in-app notification titled “Critical Confidence Alert” lists each low-confidence payment with its score and due date.
Export Predictions with Confidence Scores
Given the user exports the forecast data, when the export completes, then the downloaded CSV includes a “Confidence Score (%)” column with valid integer scores (0–100) for every payment prediction and no missing values.
Interactive Cash Flow Dashboard Integration
"As a freelancer, I want the predicted payment timelines displayed on my dashboard so that I can see anticipated cash flow and identify potential shortfalls."
Description

Integrate payment timing predictions into the CashPulse live dashboard, offering visualizations of forecasted incoming payments, cash flow gaps, and trends, with filtering and sorting options by date, client, and confidence level.

Acceptance Criteria
Viewing Predicted Payment Timeline on Dashboard
Given a user is on the CashPulse dashboard when the ML model has processed upcoming invoices, then the dashboard displays a chronological timeline of predicted payment dates for the next 90 days.
Filtering Forecast by Client and Date Range
Given a user selects a specific client and date range, when the filters are applied, then only the predicted payment entries for that client within the selected range are displayed on the dashboard.
Identifying High Risk Cash Flow Gaps
Given predicted incoming payments and existing cash balances, when the forecast shows a negative balance for any day in the next 30 days, then the dashboard highlights those days in red and displays the amount of the gap.
Sorting Predictions by Confidence Level
Given the list of predicted payments is displayed, when the user clicks the confidence level column header, then the list is sorted in descending order of confidence scores.
Drill-Down into Payment Prediction Details
Given a user clicks on a specific predicted payment entry, then a detailed view opens showing invoice details, prediction confidence, data points used, and suggested actions.
Alert & Notification System
"As a busy freelancer, I want to receive alerts when a payment is predicted to be delayed or when my cash flow gap reaches a critical level so that I can take proactive measures."
Description

Implement an alert system to notify users of predicted late payments or upcoming cash flow gaps via email, in-app messages, and push notifications, with customizable thresholds and delivery preferences.

Acceptance Criteria
Late Payment Alert Threshold Reached
Given a predicted payment delay probability ≥ the user’s configured threshold, when the machine learning model runs its hourly forecast, then the system must send alerts via all active channels within 5 minutes.
Upcoming Cash Flow Gap Prediction
Given the forecast indicates a cash flow gap of ≥ $500 in the next 7 days, when the forecast updates, then the system sends notifications via email, push, and in-app channels based on user preferences within 10 minutes.
Notification Channel Preference Enforcement
Given a user has enabled only email and push notifications, when an alert event occurs, then the system must send alerts only through the enabled channels and not send an in-app message.
Threshold Update Confirmation
Given a user updates the late-payment probability or cash gap threshold, when the changes are saved successfully, then the system sends a confirmation notification via the user’s preferred channel within 2 minutes containing the updated threshold details.
In-app Message Rendering Accuracy
Given an in-app notification is triggered, when the user opens the application, then the notification appears in the notification center with correct title, body, timestamp, and a working link to the relevant forecast section.

Risk Alert Dashboard

Sends customizable notifications when a client’s risk score crosses predefined thresholds, allowing users to proactively mitigate potential defaults before they impact cash flow.

Requirements

Custom Threshold Configuration
"As a freelancer, I want to set custom risk thresholds for my clients so that I receive alerts only for the levels of risk that matter most to my business."
Description

Provide users with a flexible interface to define and manage custom risk score thresholds for individual clients or client groups. This requirement ensures that alerts are tailored to each user’s unique risk tolerance, allowing for precise control over notification triggers. Integrating seamlessly with the existing dashboard, the configuration settings should persist across sessions and be easily adjustable as client relationships evolve.

Acceptance Criteria
User Defines Custom Threshold for a Single Client
Given a client’s risk profile is displayed, when the user enters a numeric threshold value within the allowed range and clicks Save, then the system stores the threshold for that client, displays a confirmation message, and applies it to future risk score evaluations.
User Configures Threshold for a Client Group
Given multiple clients are selected as a group, when the user specifies a threshold value and confirms the configuration, then the system applies this threshold uniformly to all clients in the group and schedules alerts based on these values.
User Edits Existing Threshold
Given an existing custom threshold is present, when the user updates the threshold value and clicks Update, then the system replaces the old threshold with the new value, logs the change, and uses the updated threshold in subsequent alerts.
Threshold Settings Persist Across Sessions
Given the user has configured thresholds, when the user logs out and logs back in, then all previously saved thresholds are loaded into the configuration interface and reflected in the dashboard’s alert logic.
System Rejects Invalid Threshold Inputs
Given the user inputs a non-numeric value or a value outside the predefined minimum and maximum limits, when attempting to save, then the system displays an inline validation error, prevents saving, and highlights the invalid input field.
Real-time Alert Engine
"As a microbusiness owner, I want the system to continuously monitor my clients’ risk scores in real time so that I can react immediately to potential default risks."
Description

Implement a continuous monitoring engine that evaluates client risk scores in real time against predefined thresholds. When a score crosses a threshold, the engine must generate an alert event immediately. The system should be scalable to handle multiple users and clients concurrently, ensuring low-latency processing and accurate, timely notifications.

Acceptance Criteria
Single Client Threshold Breach Notification
Given a client’s risk score changes from below the predefined threshold to above it, when evaluated by the engine, then an alert event must be generated within 2 seconds containing the client ID, breached threshold value, current risk score, and timestamp.
Simultaneous Multiple Client Threshold Breaches
Given multiple clients’ risk scores cross their thresholds within the same 1-second window, when processed concurrently, then the engine must generate separate alert events for each client within 3 seconds with correct details for each.
Custom Threshold Configuration Enforcement
Given a user-defined custom risk threshold for a client, when the client’s risk score crosses this custom threshold, then an alert event must be generated using the user-defined threshold value instead of the default.
High Volume Risk Score Stream Processing
Given a continuous stream of 1000 risk score updates per second, when processed by the engine, then the average processing latency must remain below 200 ms and no alert events should be lost.
Alert Engine Failover and Recovery
Given the primary alert engine instance goes offline unexpectedly, when failover is triggered, then a secondary instance must take over within 5 seconds, process all pending risk score updates, and generate any missed alerts.
Risk Score Computation Module
"As a user, I want the platform to compute and update client risk scores automatically so that I have accurate and up-to-date assessments without manual intervention."
Description

Develop a backend module that aggregates data from invoices, payment histories, credit agencies, and user feedback to calculate a comprehensive risk score for each client. The module should update scores automatically on a regular cadence and be extensible to incorporate new data sources or scoring algorithms in the future.

Acceptance Criteria
Initial Risk Score Calculation
Given a new client profile with invoice history, payment history, credit report, and user feedback When the Risk Score Computation Module is triggered for initial computation Then the module calculates a composite risk score using weighted aggregation of all available data sources and persists the score with a timestamp in the risk_scores database table
Scheduled Overnight Score Update
Given existing client records and new data ingested from invoices, payments, credit agencies, and feedback When the daily scheduled job runs at 02:00 UTC Then the module recalculates each client's risk score, updates any changed scores in the risk_scores table, and logs any changes exceeding a 5% threshold
Real-Time Invoice Payment Update
Given a payment status update event for an invoice When the module receives the event via message queue Then it recalculates the associated client's risk score in real time, stores the updated score in the database, and emits a risk score change event to downstream services
New Credit Agency Data Integration
Given newly onboarded credit agency data accessible through the configured API When the module fetches fresh creditworthiness metrics Then it normalizes and incorporates these metrics into the risk score algorithm without impacting existing score computations
Fallback to Historical Feedback Data
Given missing or delayed data from primary sources When the module encounters unavailable data Then it applies fallback logic by using the client's most recent historical feedback scores and flags the score for manual review
Alert Delivery Channels
"As a freelancer, I want to receive risk alerts through my preferred channels (email, SMS, in-app) so that I don’t miss critical notifications."
Description

Enable multi-channel notification delivery by integrating with email, SMS, and in-app messaging services. Users should be able to select their preferred channels for each alert type. The system must ensure reliable delivery, fallback options if a channel fails, and provide delivery status feedback in the dashboard.

Acceptance Criteria
Selecting Preferred Notification Channels
Given a logged-in user on the Alert Delivery Channels settings page, when the user selects email, SMS, and in-app messaging as preferred channels for a specific alert type and clicks Save, then the system persists the selection and displays a confirmation message within 3 seconds.
Handling Channel Failover
Given the system fails to deliver an alert via the primary channel, when the timeout threshold of 60 seconds is reached or an explicit delivery error occurs, then the system automatically retries using the secondary channel and logs the failover event.
Verifying Delivery Status Updates
Given an alert has been dispatched, when the system receives delivery confirmations or failures from each channel, then the dashboard updates the delivery status indicators for each channel within 2 minutes and timestamps each status update.
Customizing Threshold-based Alerts
Given a client’s risk score crosses a user-defined threshold, when the system evaluates the new score in real time, then alerts are triggered and sent through all selected channels within 5 minutes of the threshold breach.
Bulk Preference Update via CSV
Given a user uploads a CSV file containing multiple alert types and channel preferences, when the file is processed, then the system applies valid preferences, rejects invalid entries with error details, and displays a summary report of successes and failures.
Alert History and Audit Trail
"As a microbusiness owner, I want to view a history of all past risk alerts so that I can track trends and review the actions I took."
Description

Create a persistent log of all risk alerts, capturing details such as timestamp, client, threshold crossed, and delivery channel. This audit trail should be accessible via the dashboard, allowing users to filter, sort, and export historical alert data for review, compliance, or analysis purposes.

Acceptance Criteria
Viewing Alert History Overview
Given the user navigates to the Alert History dashboard When the page loads Then a table displays all recorded risk alerts showing timestamp, client name, threshold crossed, and delivery channel
Filtering Alerts by Date Range
Given the user sets a start and end date filter When they apply the filter Then only alerts with timestamps within the selected date range are displayed
Sorting Alerts by Threshold Severity
Given the user clicks on the Threshold column header When they toggle sorting Then the alert list is reordered by threshold severity in ascending or descending order
Exporting Alert History Data
Given the user has applied any filters or sorting When they click the Export button Then a CSV file is downloaded containing all visible alert records with correct columns
Viewing Detailed Alert Record
Given the user selects an alert row When they click the Details action Then a modal opens showing full alert details including timestamp, client metadata, threshold history, and delivery channel audit

Portfolio Risk View

Aggregates risk scores across all clients into a single dashboard, offering a holistic view of overall exposure and enabling users to balance their advance strategies.

Requirements

Aggregate Risk Score Computation
"As a freelancer, I want the system to compute a consolidated risk score for all my clients so that I can understand my overall exposure and make informed financing decisions."
Description

Develop an engine that calculates individual risk scores for each client based on invoice age, payment history, and client reliability metrics, then aggregates these into a single portfolio risk score. This component integrates with the invoicing and payment services, ensuring data consistency and enabling a holistic exposure metric. The outcome provides users with a clear, quantitative measure of their overall financial risk.

Acceptance Criteria
Individual Client Risk Score Calculation
Given a client’s invoice age, payment history, and reliability metrics are available, when the risk computation engine is invoked, then it must calculate a numeric risk score between 0 and 100; the score calculation must apply weights of 40% to invoice age, 40% to payment history, and 20% to reliability metrics; the computation must complete within 500 milliseconds.
Portfolio Risk Aggregation
Given all individual client risk scores are computed, when the aggregation process runs, then it must produce a single portfolio risk score equal to the weighted average of individual scores; the aggregated score must update in the dashboard within 1 second of computation.
Data Consistency with Invoicing Service
Given new or updated invoice data in the invoicing service, when the next risk computation cycle begins, then the engine must incorporate the latest invoice age metrics; any discrepancies greater than 0.1% between source data and computed inputs must be logged and flagged.
Error Handling for Missing Data
Given missing or incomplete payment history data for a client, when the risk computation engine processes that client, then it must assign a 'Data Insufficient' flag instead of a numeric score and continue processing other clients without errors; an alert must be generated for data review.
Audit Logging of Risk Computations
Given each run of the risk computation engine, when scores are calculated, then the system must create an audit log entry including timestamp, input data snapshot, individual scores, and portfolio score; all log entries must be stored in the audit database within 100 milliseconds of computation.
Dashboard Visualization
"As a user, I want a visual display of my portfolio's risk distribution so I can quickly assess which clients pose the greatest risk and adjust my advance strategy accordingly."
Description

Design and implement an interactive dashboard that presents the aggregated risk score using charts, gauges, and heat maps. Include drill-down capabilities to inspect per-client scores, color-coded risk tiers, and clear legends. Ensure the visualization is responsive, accessible, and aligns with CashPulse’s UI standards to facilitate rapid assessment of risk distribution across clients.

Acceptance Criteria
Aggregated Risk Score Display
Given the user navigates to the Portfolio Risk View dashboard When the aggregated risk score data is loaded Then the dashboard displays the aggregated risk score prominently at the top of the page in a gauge chart along with the numerical value and percentage change from the previous day
Drill-Down into Client Risk Scores
Given the user clicks on any segment of the aggregated risk chart When the segment is selected Then a detailed view expands below or in a modal showing a table of individual client names, their risk scores, and risk tier labels
Color-Coded Risk Tiers
Given the dashboard is displayed When risk tiers are shown Then each risk tier is color-coded according to the design palette (green for low, yellow for medium, red for high) and a legend is visible explaining each color mapping
Responsive Layout on Different Devices
Given the user accesses the dashboard on devices with varying screen widths When the viewport width changes Then the dashboard layout adapts fluidly (e.g., multi-column on desktop, single column on mobile) and all charts and legends remain fully visible and interactive
Accessibility Compliance in Dashboard Visualization
Given the dashboard is rendered Then all visual elements have appropriate ARIA labels, keyboard navigation is supported for all interactive elements, and all text and color contrasts meet WCAG AA guidelines
Client Filter and Segmentation
"As a user, I want to filter clients by risk level and other attributes so that I can focus on the highest-risk segments and prioritize my attention."
Description

Provide filtering and segmentation controls that allow users to slice their portfolio by risk tier, invoice due date, industry, and other custom attributes. Filters should update the dashboard in real time, enabling users to focus on high-risk segments or particular client cohorts. This functionality integrates with the dashboard component to refine the displayed data dynamically.

Acceptance Criteria
Filter by Risk Tier
Given the user is viewing the Portfolio Risk View dashboard When the user selects the 'High' risk tier filter Then the dashboard updates in real time to display only clients with 'High' risk scores And the aggregated risk score and total invoice amount reflect only the filtered clients
Filter by Invoice Due Date
Given the dashboard is loaded When the user sets the invoice due date filter to 'Next 30 Days' Then only invoices due within the next 30 days are shown And the portfolio exposure metrics recalculate accordingly
Filter by Industry Category
Given the user accesses the segmented view When the user chooses the 'Technology' industry filter Then the dashboard displays only clients in the Technology sector And the risk distribution chart updates to reflect the selection
Combine Multiple Filters
Given multiple filters available When the user applies 'Medium' risk tier and 'Finance' industry filters together Then the dashboard narrows results to clients matching both criteria And the combined filter badge displays 'Medium, Finance'
Custom Attribute Segmentation
Given custom attributes defined for clients When the user selects a custom attribute 'Geography: Europe' Then the dashboard shows only European clients And the custom attribute filter tags appear above the dashboard
Real-time Data Refresh
"As a user, I want to see up-to-date risk scores within minutes of data changes so I can make timely decisions about advancing funds and managing exposure."
Description

Implement a real-time or near-real-time data refresh mechanism that updates risk scores and dashboard visuals within minutes of underlying data changes. Utilize WebSocket or polling strategies to push updates to the client without full page reloads. This ensures users always see the most current risk information based on the latest invoice and payment events.

Acceptance Criteria
Live Dashboard Initialization
Given the user opens the Portfolio Risk View dashboard When the dashboard loads Then the risk scores and visuals update within 2 minutes, reflecting the latest invoice and payment data without a full page reload.
Invoice Event Update
Given a new invoice is issued and recorded in the system When the backend processes the invoice event Then the dashboard risk score refreshes within 1 minute via WebSocket or polling without disrupting user interaction.
Payment Event Update
Given a payment is received and posted in the system When the payment event is processed Then the portfolio risk score and associated visuals update in near-real-time (within 1 minute) on the client.
Network Disruption Handling
Given the user’s network connection is interrupted When the connection drops and later reconnects Then the client automatically re-establishes real-time updates within 2 minutes and synchronizes all missed data without manual refresh.
Client Navigation Persistence
Given the user navigates away from the Portfolio Risk View and later returns When the dashboard is displayed again Then real-time data updates resume automatically, and all changes during the absence appear within 2 minutes without requiring a manual page reload.
Customizable Risk Thresholds and Alerts
"As a user, I want to set a risk score threshold that triggers notifications so that I am alerted when my portfolio risk exceeds my comfort level."
Description

Allow users to define custom risk score thresholds that trigger alerts via in-app notifications and email. Provide a settings interface for creating, editing, and deactivating alert rules. Ensure the alerting system monitors portfolio scores continuously and sends timely notifications when thresholds are crossed, helping users proactively manage risk.

Acceptance Criteria
Creating a New Risk Threshold Rule
Given the user navigates to the Alert Settings page, When the user enters a name, selects a client or portfolio segment, sets a risk score threshold, chooses notification channels (in-app and/or email), and clicks Save, Then the new risk threshold rule is persisted, displayed in the rules list with correct details, and status Active.
Editing an Existing Risk Threshold Rule
Given an existing active risk threshold rule is listed on the Alert Settings page, When the user clicks Edit, modifies the threshold value or notification channels, and saves changes, Then the updated rule reflects the new parameters in the settings list while maintaining its activation status.
Deactivating a Risk Threshold Rule
Given an existing risk threshold rule is active, When the user toggles it to Inactive and confirms the action, Then the rule is marked as inactive, visually indicated as deactivated in the settings list, and no longer triggers alerts.
Triggering In-App Notification on Threshold Breach
Given the portfolio risk score for a monitored segment crosses a defined threshold, When the system detects the breach in real time, Then an in-app notification is sent immediately to the user's notification center with the rule name, breached value, and timestamp.
Sending Email Alert on Threshold Breach
Given the system has detected a threshold breach for a monitored portfolio segment, When email notifications are enabled for the rule, Then the user receives an email within 5 minutes containing the portfolio name, breached risk score, threshold value, timestamp, and a direct link to the dashboard.
Monitoring Portfolio Risk Scores Continuously
Given the system is running normally, When any portfolio risk score update occurs, Then the system evaluates all active risk threshold rules within 1 minute and logs any breaches for alert dispatch.

Custom Risk Criteria

Allows users to tailor the risk model by weighting factors like invoice size, project type, or client industry, providing personalized score accuracy aligned with their business priorities.

Requirements

Criteria Weight Configuration
"As a freelancer, I want to set custom weights for different risk factors so that the risk score reflects my specific business priorities."
Description

Users can adjust the weighting of individual risk factors (e.g., invoice size, project type, client industry) through an intuitive slider interface, ensuring the risk model aligns with their unique business priorities. The configuration updates the underlying risk algorithm parameters and integrates seamlessly with the live dashboard to influence risk scoring. It provides real-time feedback on how adjustments affect overall risk assessment, enabling precise customization without developer intervention.

Acceptance Criteria
Adjusting Invoice Size Weight
Given the user is on the Custom Risk Criteria page, When they move the Invoice Size slider to a new position, Then the system updates the weight value immediately, recalculates the overall risk score within one second, and reflects the change on the live dashboard.
Real-time Feedback on Overall Risk Score
Given the user adjusts any risk factor slider, When the adjustment is made, Then the live dashboard displays updated percentage contributions for all factors and shows the recalculated overall risk score without page reload.
Persisting Customized Weights Across Sessions
Given the user has customized risk factor weights and logs out, When they log back in, Then the system loads the previously saved slider positions and matching weight values and displays the corresponding risk score on the dashboard.
Resetting Weights to Default
Given the user clicks the Reset to Default button, When they confirm the action, Then all sliders revert to the predefined default weights, the underlying algorithm parameters reset, and the live dashboard updates to show the default risk score.
Preventing Invalid Weight Configurations
Given the user attempts to set an individual slider above 100% or the combined total exceeds 100%, When the adjustment is completed, Then the system prevents saving, displays a clear error message indicating valid ranges, and maintains the previous valid slider values.
Real-time Score Preview
"As a microbusiness owner, I want to see how changes to risk factor weights immediately affect my invoice risk score so that I can fine-tune my criteria effectively."
Description

The system updates and displays the recalculated risk score in real time as users modify criteria weights. This feature provides immediate visual feedback via the dashboard, highlighting how each adjustment impacts invoice risk levels. It leverages asynchronous calculations to ensure low latency and clear visualization of risk changes, fostering confidence in users' configurations.

Acceptance Criteria
Single Factor Weight Adjustment
Given a user is on the Custom Risk Criteria page When they adjust the weight slider for a single factor Then the dashboard risk score updates within 500ms to reflect the new weight
Extreme Weight Value Application
Given a user sets a factor weight to the minimum or maximum allowed value When they view the recalculated risk score Then the score accurately reflects the extreme weight without errors or omissions
Multiple Factor Simultaneous Adjustment
Given a user modifies weights for multiple factors in quick succession When the last adjustment is made Then the dashboard displays the final recalculated risk score within 700ms
Visual Change Highlighting
Given a user changes any factor weight When the risk score updates Then the dashboard highlights the delta change in score with a colored indicator and tooltip explaining the impact
Asynchronous Calculation Reliability
Given the system processes weight changes asynchronously When network latency varies up to 200ms Then the recalculated risk score remains accurate and no outdated score is displayed
Default Preset Profiles
"As a new user, I want to select from predefined risk profiles so that I can quickly apply a configuration that matches my risk tolerance."
Description

Offers a library of preset risk criteria profiles (e.g., conservative, balanced, aggressive), allowing users to choose a starting point aligned with common business scenarios. Each preset populates default weight values and can be further customized. Integration ensures presets are loaded quickly within the configuration interface and influence risk scoring immediately.

Acceptance Criteria
Selecting a Preset Profile Loads Default Weights
Given a user selects the "Conservative" preset profile When the system loads the preset Then the weight values for invoice size, project type, and client industry match the predefined conservative defaults
Preset Profiles Listed in Configuration Interface
Given the user opens the risk criteria configuration interface When the presets section is displayed Then all available profiles (Conservative, Balanced, Aggressive) are listed with correct names and descriptions
Preset Profile Customization Persists After Modification
Given a user modifies weight values on a selected preset profile When the user saves the changes Then the customized values persist and override the original default for that profile
Preset Profile Applied to Risk Scoring Calculation
Given a preset profile is selected When the system recalculates risk scores Then the new scores reflect the weight values defined by the selected preset
Preset Profiles Load Within Performance Threshold
Given a user opens the risk criteria configuration interface When the presets section initializes Then all preset profiles load and display within two seconds
Validation and Guidance
"As a user, I want validation checks and helpful guidance when setting risk weights so that I avoid creating skewed or invalid configurations."
Description

Implements validation rules and contextual tooltips within the criteria configuration interface to guide users in setting effective weight distributions. The system warns if total weight allocations are invalid or disproportionate and provides best-practice suggestions based on historical data. This ensures configurations remain logical and balanced.

Acceptance Criteria
Total Weight Allocation Check
Given a user has entered weight values for all risk factors, when the sum of these weights exceeds 100%, then the system displays an inline error message and disables the save button until corrected.
Disproportionate Weight Alert
Given a user assigns more than 50% weight to any single risk factor, then the system shows a non-blocking warning tooltip suggesting a more balanced distribution based on historical best practices.
Best-Practice Suggestion Prompt
When a user’s weight distribution deviates by more than one standard deviation from historical averages, then the system automatically presents a collapsible panel with recommended weight ranges derived from past configurations.
Contextual Tooltip Display
When a user hovers over or focuses on each risk factor input field, then a contextual tooltip appears offering concise guidance on how to choose an appropriate weight for that factor.
Successful Configuration Save
Given the total weight equals 100% and no critical warnings are active, when the user clicks 'Save Configuration', then the system persists the settings, hides all validation messages, and displays a confirmation banner.
Save and Share Profiles
"As a business owner, I want to save and share my custom risk criteria profiles so that my team can apply consistent settings."
Description

Enables users to save custom risk criteria configurations as named profiles for future reuse and share them with team members via exportable JSON. The feature adds profile management within the dashboard, supporting operations like rename, duplicate, and delete. Shared profiles can be imported easily by other users, promoting collaboration and consistency across the organization.

Acceptance Criteria
Save New Risk Profile
Given a user has set custom risk criteria weights for invoice size and client industry When the user selects 'Save as Profile', enters a unique profile name, and confirms Then the new profile is saved, appears in the profile list, and retains the configured weights
Rename Existing Profile
Given a user has one or more saved profiles When the user selects a profile and chooses 'Rename', enters a new unique name, and confirms Then the profile name changes in the list and the updated name persists after page refresh
Duplicate Risk Profile
Given a user has a saved profile When the user selects 'Duplicate' on that profile Then a copy with the suffix 'Copy' is created, appears in the profile list with identical criteria, and the user can rename it
Delete Risk Profile
Given a user has at least one saved profile When the user selects 'Delete' on a profile and confirms the action Then the profile is removed from the list and no longer available for selection or export
Export Profile to JSON
Given a user has one or more saved profiles When the user selects 'Export' on a profile Then a JSON file containing the profile name and its configured weights is downloaded
Import Shared Profile
Given a user has obtained a valid profile JSON file When the user selects 'Import Profile' and uploads the file Then the profile is added to the user's profile list with correct name and criteria

LinkCustomizer

Empowers users to tailor the look and feel of each payment link with custom logos, color schemes, and personalized messages, ensuring consistent branding and a professional invoice experience that builds client trust.

Requirements

Logo Uploader
"As a freelancer, I want to upload my company logo to my payment links so that clients immediately recognize my brand and trust the transaction."
Description

Allows users to upload, position, and scale their company logos on payment links, supporting common image formats (PNG, JPEG, SVG) with validation for size and resolution. Integrates into the link creation workflow so that logos are stored and reused across multiple links, ensuring consistent branding and a professional client experience.

Acceptance Criteria
Valid Logo Upload
Given the user is on the logo upload step, When the user uploads a PNG, JPEG, or SVG file under 2 MB with a minimum resolution of 300×300 pixels, Then the system accepts the file, stores it, and displays a preview without errors.
Logo Positioning and Scaling
Given a logo has been uploaded, When the user drags the logo within the payment link frame and adjusts the scale slider between 50% and 200%, Then the logo moves to the desired position and scales proportionally without distortion or pixelation.
Logo Storage and Retrieval
Given the user has previously uploaded one or more logos, When the user initiates a new payment link creation, Then all stored logos appear in the logo library, and selecting a logo attaches it to the new link with its saved position and scale.
Invalid Logo Upload Rejection
Given the user attempts to upload a file that exceeds 2 MB or is not a PNG, JPEG, or SVG, When the upload is submitted, Then the system rejects the file and displays an error message stating the allowed formats and size limits.
Payment Link Creation with Logo
Given the user completes the payment link creation workflow with a customized logo, When the link is generated, Then the link preview displays the logo in the correct position and scale, and the logo persists when the link is shared with clients.
Color Scheme Customizer
"As a microbusiness owner, I want to customize the color scheme of my payment links so that they match my brand’s visual identity and enhance client trust."
Description

Enables users to define primary and secondary colors for each payment link through a color picker interface or by entering HEX codes. The system validates contrast accessibility standards and applies chosen colors to buttons, text, and background elements, ensuring on-brand, visually appealing links.

Acceptance Criteria
Setting Colors via Picker
Given the user opens the Color Scheme Customizer and selects the color picker for primary and secondary colors When the user chooses colors via the picker interface Then the chosen colors are applied in real time to the sample buttons, text, and background elements
Entering HEX Codes Manually
Given the user switches to HEX code input mode When the user enters valid six-digit HEX codes for primary and secondary colors and moves focus away Then the input fields accept the codes, update the color picker to match, and reflect the colors in the preview
Validating Color Contrast Accessibility
Given the user has selected primary and secondary colors When the contrast ratio fails to meet WCAG 2.1 AA standards (4.5:1 for normal text) Then the system displays an accessibility warning message and disables the Save button until compliant colors are chosen
Previewing Customized Link Theme
Given the user has selected or entered valid colors When the user clicks the Preview button Then the payment link preview displays the logo, personalized message, and the customized buttons, text, and background using the chosen colors
Saving and Applying Color Scheme
Given the user has valid, accessible colors selected When the user clicks Save Then the color scheme is persisted to the database, applied to all future generated payment links, and reflected on existing links without errors
Message Template Editor
"As a consultant, I want to create and save custom message templates so that I can quickly add personalized greetings and instructions to my payment links."
Description

Provides a rich-text editor for crafting personalized messages that accompany payment links, including dynamic placeholders (e.g., client name, invoice number) and formatting tools (bold, italics, links). Saves multiple templates for reuse and quick selection within the link creation process.

Acceptance Criteria
Creating a New Message Template
Given the user is on the Message Template Editor page, when they enter a unique template name, format text (bold, italics, links), insert at least one dynamic placeholder, and click Save, then the template is persisted, appears in the template list, and renders correctly with formatting and placeholders.
Editing an Existing Message Template
Given the user selects an existing template for editing, when they modify text, add or remove placeholders, and click Update, then the changes are saved, reflected in the template list, and the rendered preview displays the updated content.
Inserting a Placeholder into a Template
Given the user is editing a template, when they choose a dynamic placeholder from the placeholder dropdown (e.g., client name, invoice number), then the placeholder token is inserted at the cursor position and appears correctly in the template markup.
Selecting a Template during Link Creation
Given the user is in the payment link creation workflow, when they open the message template dropdown and select a saved template, then the message editor populates with the selected template content including formatting and placeholders.
Deleting a Message Template
Given the user views the list of saved templates, when they click the Delete action on a template and confirm the deletion, then the template is removed from the list and cannot be selected during link creation.
Live Preview
"As a freelancer, I want to see a live preview of my payment link while customizing it so that I can verify the design and content before sending it to clients."
Description

Displays a real-time preview of the payment link as users customize logos, colors, and messages. Updates instantly with every change to reflect the final client-facing appearance, reducing errors and ensuring user satisfaction before link publication.

Acceptance Criteria
Logo Update Reflects in Preview
Given the user uploads or selects a new logo, when the upload completes, then the live preview updates to display the new logo correctly positioned and sized within 300ms.
Color Scheme Adjustment Shows Live
Given the user selects primary and secondary colors, when the selections are applied, then the live preview updates button, header, and background colors to match without requiring a page reload.
Personalized Message Display
Given the user edits the personalized message input (up to 200 characters), when typing stops for 500ms, then the live preview displays the updated message exactly with correct line breaks and styling.
URL Customization Preview
Given the user customizes the payment link alias, when the alias field loses focus, then the live preview shows the updated URL in the shareable link section immediately.
Responsive Design Verification
Given the user toggles the preview device view between desktop (1024px), tablet (768px), and mobile (375px), when a view is selected, then the layout adjusts to the appropriate dimensions and all elements remain visible and aligned.
Branding Profiles
"As a digital agency owner, I want to maintain separate branding profiles for each of my clients so that I can quickly generate payment links tailored to each client’s brand."
Description

Allows users to create and manage multiple branding profiles, each containing a logo, color scheme, and message templates. Users can assign a default profile or select profiles per invoice, streamlining the creation of consistently branded links for different business lines or clients.

Acceptance Criteria
New Branding Profile Creation
Given the user is on the Branding Profiles page, When they click 'Add Profile', enter a profile name, upload a valid logo file, choose a color scheme, and save the profile, Then the new profile is listed with the correct name, logo preview, and color scheme applied.
Branding Profile Editing
Given an existing branding profile in the list, When the user clicks 'Edit', changes the logo or color scheme or message template, and saves the changes, Then the profile updates immediately in the list with the new assets and settings.
Default Branding Profile Assignment
Given the user has multiple branding profiles, When they designate one profile as default and confirm the action, Then that profile is marked as default and is automatically selected for all new invoices until changed.
Per-Invoice Branding Profile Selection
Given the user is creating or editing an invoice, When they choose a branding profile from the dropdown menu and save the invoice, Then the invoice’s payment link displays the selected profile’s logo, colors, and message.
Branding Profile Deletion
Given the user has at least two branding profiles, When they delete a non-default profile and confirm the deletion, Then the profile is removed from the list and no longer available for selection on invoices.

SmartReminder

Automatically sends courteous, timed reminders to clients who haven’t clicked or completed payment via the link. By nudging clients at optimal intervals, this feature accelerates payment without manual follow-ups.

Requirements

Reminder Scheduling Engine
"As a freelancer, I want automatic reminders sent at optimal intervals so that I don't have to manually track and send follow-up emails and can receive payments more promptly."
Description

Automatically schedule and send courteous invoice payment reminders at predefined optimal intervals (e.g., 3 days, 7 days after invoice issuance) and dynamically adjust timing based on client interactions. This engine integrates with the existing payment timeline in CashPulse, ensuring follow-ups occur without manual effort, accelerating payment collection and reducing administrative overhead.

Acceptance Criteria
Initial Reminder Scheduling
Given an invoice is issued and remains unpaid for 3 days, when the scheduling engine runs, then a reminder email is sent to the client's email address containing the invoice details and payment link.
Second Reminder Scheduling
Given an invoice is still unpaid 7 days after issuance, when the scheduling engine runs, then a follow-up reminder is sent and no duplicate reminders are sent on the same day.
Dynamic Timing After Link Click
Given a client clicks the payment link but does not complete payment, when the scheduling engine evaluates engagement, then the next reminder is deferred by 5 days instead of the default interval.
Opt-Out Processing
Given a client clicks an unsubscribe link in a reminder email, when the scheduling engine processes that event, then no further reminders are sent for that invoice and the client is marked opted-out.
Timezone-Aware Scheduling
Given a client's timezone is set in their profile, when the scheduling engine sends reminders, then emails are dispatched between 9 AM and 5 PM in the client’s local time zone.
Customizable Reminder Templates
"As a microbusiness owner, I want to customize reminder emails with my branding and personalized content so that my communications maintain a professional appearance and resonate with my clients."
Description

Offer a library of default, professionally written reminder templates that users can personalize with custom message content, tone, branding elements, and dynamic invoice variables (e.g., client name, amount due, due date). This ensures consistent, on-brand communication and allows users to tailor reminders to specific client relationships.

Acceptance Criteria
Selecting and Personalizing a Default Template
Given the user accesses the template library and selects a default reminder template, When the user edits the message content, tone, or branding elements, Then the changes are saved in the editor, the Save button becomes active only after required fields are completed, and the editor reflects all customizations accurately.
Inserting Dynamic Invoice Variables into Template
Given the user is editing a template and opens the dynamic variables menu, When the user selects an invoice variable (e.g., client name, amount due, due date), Then the placeholder is inserted at the cursor position, displays correct syntax in the editor, and renders the actual value in the preview mode.
Applying Branding Elements to a Template
Given the user navigates to the branding section while customizing a template, When the user uploads a logo or selects a brand color and font, Then the template preview updates to display the logo in the header and applies the chosen color scheme and font consistently throughout the reminder text.
Previewing Customized Reminder before Sending
Given the user finalizes all customizations and clicks the Preview button, When the preview window appears, Then it shows the complete reminder message with dynamic values populated, branding elements applied, and reflects mobile and desktop layouts accurately.
Saving and Reusing Custom Templates
Given the user has customized a reminder template and clicks Save as Custom Template, When the save action completes, Then the new template is listed under ‘My Templates’, can be selected for future reminders, and is editable for further modifications.
Client Engagement Tracking
"As an admin, I want to see which clients opened or clicked my invoice reminder links so that I can gauge engagement and plan any necessary additional follow-ups."
Description

Capture and record client interactions with reminders, including email opens, link clicks, and payment completions. Surface this data in CashPulse’s dashboard to inform when further reminders should be sent, provide visibility into client responsiveness, and help users make data-driven follow-up decisions.

Acceptance Criteria
Recording Email Opens
Given that an invoice reminder email is sent, when the client opens the email, then the system logs an 'email_open' event with timestamp, client ID, and invoice ID.
Tracking Payment Link Clicks
Given that a reminder email containing a payment link is sent, when the client clicks the link, then the system logs a 'link_click' event with timestamp, client ID, invoice ID, and updates the engagement status.
Logging Payment Completions
Given that a client completes payment via the reminder link, when the payment transaction is successful, then the system logs a 'payment_completed' event including timestamp, payment amount, client ID, and invoice ID, and marks the invoice as paid in the dashboard.
Displaying Engagement Metrics on Dashboard
Given that engagement events are logged, when the user views the dashboard, then the system displays the correct counts and timestamps of each event per invoice, sorted chronologically and updated in real time within 30 seconds.
Adaptive Reminder Scheduling
Given that client engagement data shows no email_open or link_click events within 48 hours, when this threshold is reached, then the system automatically schedules and sends the next reminder according to user-defined intervals and flags it on the dashboard.
Delivery Channel Integration
"As a freelancer, I want to send reminders via SMS in addition to email so that I can reach clients who may not check their inbox regularly."
Description

Enable multi-channel reminder delivery by integrating with email services, SMS gateways, and in-app notifications. Ensure compliance with communication preferences and legal opt-in requirements, allowing users to select preferred channels per client for maximum reach and effectiveness.

Acceptance Criteria
Client Email Reminder Delivery
Given an unpaid invoice with email reminders enabled When the scheduled reminder time arrives Then the system sends an email to the client within 5 minutes containing the correct invoice link and personalized message
Client SMS Reminder Delivery
Given a client with a valid phone number and SMS reminders enabled When the reminder schedule triggers Then the system dispatches an SMS containing the invoice link and proper content without exceeding carrier limits
In-App Notification Reminder Delivery
Given a user has the mobile app installed and notifications permitted When a reminder is due Then the app displays a push notification containing the invoice details and payment link immediately
User Channel Preference Enforcement
Given a user has set preferred channels per client in settings When sending reminders Then the system only uses the selected channels and skips any channel the user has deselected
Opt-in Compliance Enforcement
Given the legal requirement for client opt-in When adding a new client contact Then the system records the communication opt-in status and only allows reminders via channels with recorded consent
Opt-Out Management
"As a client, I want the ability to opt out of payment reminder messages so that I don't receive unwanted communications."
Description

Implement a clear, user-friendly opt-out mechanism in every reminder, allowing clients to unsubscribe from future notifications. Track and enforce opt-out requests immediately, ensuring compliance with regulations like CAN-SPAM and maintaining positive client relationships.

Acceptance Criteria
Reminder Email Contains Opt-Out Link
Given a user schedules a reminder email When the email is generated Then the email body includes a clear opt-out link with unique token and accessible text"Unsubscribe"
Client Successfully Opts Out
Given a client clicks the opt-out link in the reminder When the opt-out page loads Then the client sees a confirmation message "You have been unsubscribed" and receives a confirmation email
System Prevents Further Reminders
Given a client has opted out When the next reminder batch is executed Then the system excludes the opted-out client and does not send any further reminders
Opt-Out Requests Logged
Given a client completes an opt-out action When the system processes the request Then an entry is created in the opt-out audit log with timestamp, client ID, and reminder ID
Admin Review of Opt-Out List
Given an admin navigates to the opt-out management dashboard When the page loads Then the admin sees a list of opted-out clients with columns for client name, email, opt-out date, and reminder type, and can filter, sort, and export the list as CSV

QRQuickPay

Generates a scannable QR code alongside each payment link, allowing clients to pay instantly with mobile wallets or scanning apps. This caters to on-the-go payments and further reduces friction for faster fund collection.

Requirements

QR Code Generation
"As a freelancer, I want a scannable QR code with my invoice so that my clients can pay instantly using their mobile wallets without manual entry."
Description

Automatically generate a secure, scannable QR code for each unpaid invoice, displayed alongside the payment link. The QR code should embed the invoice details, payment amount, and a unique identifier to ensure seamless transactions. This feature reduces friction by allowing clients to use any standard mobile wallet or scanning app to complete payments instantly, improving payment speed and user satisfaction.

Acceptance Criteria
Display QR Code on Unpaid Invoice View
Given an unpaid invoice page When the page loads Then a unique QR code image is displayed adjacent to the payment link
Successful Payment Flow via QR Code Scan
Given a client scans the QR code with a standard mobile wallet When the wallet application opens Then the invoice ID, payment amount, and unique identifier are pre-filled and the client can complete payment
QR Code Data Integrity Verification
Given a generated QR code image When decoded by a QR scanner Then the embedded payload must include the correct invoice number, total amount due, and unique transaction identifier matching the invoice record
QR Code Generation Failure Handling
Given an error occurs during QR code generation When the invoice page is rendered Then an error message is displayed and a retry option is provided without blocking other invoice details
Accessibility Compliance for QR Codes
Given the QR code is displayed on the invoice page When a screen reader is used Then descriptive alt text including invoice number and scan instructions is available
Multi-Wallet Compatibility
"As a client, I want to scan the invoice QR code with my preferred mobile wallet so that I can pay quickly and conveniently."
Description

Ensure the QR code works with a wide range of mobile wallets and scanning applications (e.g., Apple Pay, Google Pay, PayPal, and generic QR scanners). Implement standard QR encoding protocols (e.g., EMV® QR) and test across popular platforms. This expands payment options for clients, maximizes usability, and minimizes failed transactions.

Acceptance Criteria
Mobile Wallet Scan Compatibility
Given a client uses a supported mobile wallet (Apple Pay or Google Pay), when they scan the invoice’s EMV QR code within their wallet app, then the payment amount and invoice reference must pre-populate correctly and the transaction completes with status 'Success'.
Generic QR Scanner Support
Given a client uses a generic QR scanning application, when the app scans the EMV-compliant QR code, then it must display the invoice payment URL and redirect the client to the web checkout page, where the transaction completes successfully.
PayPal Wallet Integration
Given a client uses the PayPal mobile app, when they scan the invoice QR code, then the app must open the corresponding PayPal invoice page with prefilled payment details and allow the client to complete payment without errors.
Unsupported Wallet Handling
Given a client attempts to scan the QR code with an unsupported wallet or scanner, when the code is scanned, then the system must display a fallback payment link, an explanatory error message indicating unsupported wallet, and instructions to copy the link manually.
Expired QR Code Prevention
Given an invoice QR code has exceeded its 24-hour validity period, when a client scans the expired code, then the system must reject the payment attempt and prompt the user to generate a new, valid QR code.
Customizable QR Code Appearance
"As a microbusiness owner, I want to brand my invoice QR codes with my logo and colors so that my invoices look professional and aligned with my brand identity."
Description

Allow users to customize the visual presentation of the QR code, including embedding logos, selecting color schemes, and adding a brief payment descriptor. Customization options should be available in the invoice settings and previewed in real time. This enhances brand consistency and professionalism in client communications.

Acceptance Criteria
Logo Embedding Preview
Given a user uploads a valid logo file, when the file is uploaded, then the logo is displayed at the center of the QR code in the invoice settings preview without affecting scanability.
Custom Color Selection
Given a user selects primary and secondary colors using the color picker, when the colors are applied, then the preview updates to reflect the chosen module and background colors while maintaining a minimum contrast ratio of 4.5:1 and ensuring the QR code remains scannable.
Payment Descriptor Addition
Given a user enters a payment descriptor of up to 50 characters, when the descriptor is applied, then the text appears below the QR code in the preview using a legible font at a minimum size of 12px without overlapping the code.
Real-Time Preview Update
Given a user modifies any customization option (logo, colors, descriptor), when the change is made, then the QR code preview updates within 2 seconds to reflect the new settings.
Validation of Customization Constraints
Given a user attempts to save customization settings, when the logo file format is invalid, colors fail contrast checks, or the descriptor exceeds 50 characters, then the system prevents saving and displays specific error messages for each violation.
Dynamic QR Code Expiration
"As a user, I want my invoice QR codes to expire after a set time so that I can prevent accidental or unauthorized payments on outdated invoices."
Description

Implement an expiration mechanism that invalidates QR codes after a configurable period (e.g., 7 days) or upon full payment. Expired QR codes should display an error message and prompt the client to request a new invoice link. This prevents outdated payment attempts and enhances security by limiting code reuse.

Acceptance Criteria
QR Code Expires After Configured Time Frame
Given a QR code generated with a 7-day expiration period When 7 days have elapsed since generation Then scanning the QR code returns an 'expired code' error and blocks payment processing
Immediate Invalidation Upon Full Payment
Given a QR code linked to an invoice When the invoice payment is completed in full Then the QR code becomes invalid immediately and returns an 'expired code' error on scan
Error Message Display for Expired QR Code
Given a client scans an expired QR code Then the system displays 'This QR code has expired. Please request a new invoice.'
Request New Invoice Prompt After Expiration
Given a client receives the expired QR code error When they click 'Request New Invoice' Then a notification is sent to the freelancer to generate and send a new invoice link and QR code
Configurable Expiration Period Adjustment
Given an admin updates the QR code expiration setting from 7 days to 3 days When a new QR code is generated after the update Then the code expires after 3 days instead of the previous duration
QR Code Scan Analytics
"As a freelancer, I want to see how many times my clients scanned the invoice QR code so that I can measure engagement and follow up effectively."
Description

Track and log each scan event, capturing details such as timestamp, device type, and location (if permitted). Provide a dashboard view and exportable report showing scan counts, conversion rates (scans to payments), and failed scan attempts. This data helps users understand client behavior and optimize payment collection strategies.

Acceptance Criteria
Successful QR Code Scan Logging
Given a client scans a valid QR code link, When the scan is completed, Then the system must record a scan event with timestamp and device type in the analytics database.
Location Data Capture on Scan
Given a client has granted location permission, When they scan the QR code, Then the system must capture and store the location coordinates with the scan event.
Dashboard Displays Scan Metrics
Given there are recorded scan events, When a user views the QR Scan Analytics dashboard, Then it must display total scan count, conversion rate (scans to payments), failed scan count, and device type breakdown in real time.
Exportable Scan Report Generation
Given scan data exists for a selected date range, When a user requests an export and selects CSV format, Then the system must generate and download a CSV containing each scan event’s timestamp, device type, location (if available), and payment status.
Failed Scan Attempt Logging
Given a client attempts to scan an invalid or corrupted QR code, When the scan fails, Then the system must log a failed scan event with timestamp and failure reason, and include it in the dashboard analytics.

MultiPay Options

Integrates multiple payment methods—credit cards, bank transfers, digital wallets—into a single link. Clients choose their preferred option at checkout, broadening accessibility and improving conversion rates.

Requirements

Multi-Payment Gateway Integration
"As a freelancer, I want to accept credit cards, bank transfers, and digital wallets in one place so that my clients can pay through their preferred method."
Description

Integrate with major payment gateways (e.g., Stripe for credit cards, Plaid for bank transfers, PayPal/Apple Pay for digital wallets) through a single unified API. Handle authentication, tokenization, PCI DSS compliance, error handling, and transaction reconciliation to ensure seamless processing of all payment types while maintaining security and reliability.

Acceptance Criteria
Credit Card Payment Processing
Given a customer selects the credit card option, When they submit valid credit card details through Stripe, Then the payment is authorized, tokenized, and a success confirmation is displayed within 5 seconds, And a transaction record with masked card details is created in the system.
Bank Transfer via Plaid Connectivity
Given a customer selects bank transfer, When they authenticate and consent via Plaid, Then the system successfully links the bank account, initiates the transfer within 10 seconds, and displays a pending confirmation message, And the linked account information is securely stored for reconciliation.
Digital Wallet Checkout
Given a customer chooses PayPal or Apple Pay, When they authenticate and approve the payment in their wallet provider, Then the unified API processes the transaction, displays a success confirmation, and logs the transaction ID and wallet type in the system.
Unified API Error Handling
Given any payment gateway returns an error, When the unified API receives an error response, Then the system displays a user-friendly error message specific to the failure, rolls back any partial transactions, and logs the detailed error code and message for support.
Transaction Reconciliation Report
Given end-of-day processing, When the reconciliation job runs across all gateway settlements, Then all completed transactions are matched against settlement records, discrepancies are flagged, and a comprehensive reconciliation report is generated within 2 minutes.
Single-Payment Link Generation
"As a freelancer, I want to send one payment link that offers all payment options so that I spend less time following up and more time working."
Description

Generate a unique, branded payment link for each invoice that dynamically lists all available payment methods. The link should securely encode transaction details, reflect real-time invoice data, support custom expiration settings, and seamlessly update the CashPulse dashboard upon interaction.

Acceptance Criteria
Unique Branded Link Generation
Given an invoice exists in CashPulse with a unique ID and branding settings configured, When the user clicks “Generate Payment Link” for that invoice, Then the system creates a unique URL that includes the brand’s logo, color, and is tied to the correct invoice ID.
Dynamic Available Payment Methods Display
Given an invoice with multiple payment options enabled, When a client opens the generated payment link, Then the page lists all active payment methods (credit card, bank transfer, digital wallet) in real time and allows selection.
Secure Transaction Details Encoding
Given the system generates a payment link for an invoice, When the link is created, Then all transaction details (invoice ID, amount, client ID) are encrypted and signed to prevent tampering and are only decrypted by the payment processor.
Custom Expiration Settings Enforced
Given the user sets a custom expiration period for a payment link (e.g., 7 days), When the link is generated, Then it includes an expiration timestamp and becomes inaccessible after the defined period.
Real-Time Dashboard Synchronization
Given a client completes payment via the link, When the payment processor confirms payment, Then CashPulse updates the invoice status to “Paid” on the live dashboard within 30 seconds.
Client Payment Option Selector
"As a client, I want to choose my preferred payment method at checkout so that I can use the one most convenient to me."
Description

Provide a client-facing interface displaying all supported payment methods with clear icons, descriptions, real-time fees, and estimated processing times. Ensure a responsive design for mobile and desktop to allow clients to easily choose their preferred method before completing the transaction.

Acceptance Criteria
Desktop Payment Method Display
Given a client accesses the payment link on a desktop browser, When the page loads, Then all supported payment methods display with correct icons, names, and clickable selection buttons.
Mobile Payment Method Display
Given a client accesses the payment link on a smartphone, When the page loads, Then payment options stack vertically with icons, descriptions, fees, and processing times visible and buttons sized for touch.
Fee and Processing Time Display
Each payment option displays real-time fee information (percentage or flat fee) and estimated processing time adjacent to its icon and name.
Payment Method Selection Confirmation
When a client selects a payment method and proceeds, Then the chosen method is visually highlighted and the correct method identifier is sent to the payment gateway.
Responsive Layout Adaptation
When the browser window is resized or device orientation changes, Then the interface adjusts layout (reflows columns to rows, resizes icons/text) to maintain usability on all viewports.
Automated Fallback Payment Routing
"As a client, if my payment fails, I want the system to suggest another method so that I can complete my payment without manual intervention."
Description

Implement automatic fallback logic that detects payment failures (e.g., card decline), displays method-specific error messages, and prompts clients to retry or select an alternative method without manual intervention. Log all failure events and notify users of next steps.

Acceptance Criteria
Payment Failure Detection
Given a client attempts a payment using any enabled payment method, When the payment gateway returns a failure response, Then the system automatically recognizes the failure within 2 seconds and initiates the fallback routing logic.
Method-Specific Error Messaging
Given the fallback logic is triggered after a failed payment, When the system evaluates the error response, Then the user sees a clear, method-specific error message (e.g., 'Card declined: please use another card or select a different payment method').
Alternative Method Prompt
Given the user has encountered a payment failure, When the error message is displayed, Then the interface presents all other available payment options in a seamless modal, allowing the user to select and retry without page refresh.
Failure Event Logging
Given any payment attempt fails, When the failure occurs, Then the system logs the event with details including timestamp, user identifier, payment method attempted, and error code to the central logging service.
User Notification of Next Steps
Given a payment has failed and the fallback logic has been applied, When the user retries or chooses an alternative method successfully or unsuccessfully, Then the system sends an email notification summarizing the outcome and guiding the next actions.
Real-Time Transaction Status Updates
"As a freelancer, I want to see the real-time status of each payment so that I know when funds will arrive."
Description

Push real-time payment status updates (initiated, pending, completed, failed) back to CashPulse via webhooks or callbacks. Update the invoice dashboard, trigger notifications for freelancers and clients, and maintain an audit log of all status changes for transparency and troubleshooting.

Acceptance Criteria
Initiated Payment Status Update
Given a client submits a payment and the gateway sends a webhook with status 'initiated' When CashPulse receives the webhook Then the invoice dashboard status updates to 'initiated', an audit log entry is created with the timestamp and webhook payload, and the freelancer receives a notification of initiation.
Pending Payment Status Update
Given a previously initiated payment and the gateway sends a webhook with status 'pending' When CashPulse receives the webhook Then the invoice dashboard status updates to 'pending', the audit log records the status change and payload, and no duplicate notifications are sent if the status was already pending.
Completed Payment Status Update
Given a pending payment and the gateway sends a webhook with status 'completed' When CashPulse receives the webhook Then the invoice dashboard status updates to 'completed', the payment amount is marked as available in the user’s balance, the audit log records the completion details, and both freelancer and client receive confirmation notifications.
Failed Payment Status Update
Given an attempted payment and the gateway sends a webhook with status 'failed' When CashPulse receives the webhook Then the invoice dashboard status updates to 'failed', the audit log records the failure reason and payload, and the freelancer and client each receive an error notification with troubleshooting steps.
Webhook Failure and Retry Handling
Given a webhook delivery failure (e.g., network error or 5xx response) When CashPulse fails to receive a callback Then the system retries delivery up to three times at five-minute intervals, logs each attempt and response, and if all retries fail, marks the webhook status as 'failed' in the audit log and notifies the operations team.
MultiPay Transactions Dashboard
"As a business owner, I want to view and filter all my MultiPay transactions in one dashboard so that I can analyze payment behaviors and forecast cash flow."
Description

Create a dedicated dashboard section summarizing all MultiPay transactions. Enable filtering by payment method, status, and date; display gross amounts, fees, and net receipts; and offer CSV export. Integrate data into cash flow forecasts to enhance financial planning.

Acceptance Criteria
Accessing the MultiPay Transactions Dashboard
Given a logged-in user on the CashPulse platform, When the user navigates to the MultiPay Transactions Dashboard, Then the dashboard loads within 2 seconds and displays all MultiPay transactions for the current month.
Filtering Transactions by Payment Method
Given the MultiPay Transactions Dashboard is displayed, When the user selects a payment method filter (credit card, bank transfer, digital wallet), Then only transactions matching the selected payment method are visible.
Filtering Transactions by Status and Date
Given the MultiPay Transactions Dashboard is displayed, When the user applies status and date range filters, Then the dashboard shows transactions that match the selected status and fall within the specified date range.
Viewing Transaction Amount Summaries
Given filtered or unfiltered transactions are displayed, Then each transaction row shows gross amount, fees deducted, and net receipt accurately calculated.
Exporting Transactions to CSV
Given the MultiPay Transactions Dashboard is displayed, When the user clicks the 'Export CSV' button, Then a CSV file downloads containing all currently displayed transactions with correct headers and data.
Integrating MultiPay Data into Cash Flow Forecast
Given the MultiPay Transactions Dashboard has loaded transaction data, Then the cash flow forecast module automatically incorporates gross and net values from these transactions into the 30-day forecast view.

LinkExpiry Manager

Lets users set custom expiration dates or usage limits on payment links, enhancing security and encouraging timely payments. Automatic deactivation of expired links prevents unauthorized or late submissions.

Requirements

Custom Expiration Setting
"As a freelancer, I want to set a specific expiration date on my payment links so that clients can only pay within my desired timeframe, reducing late submissions."
Description

Enable users to specify a custom expiration date and time for each payment link. This feature allows setting precise deadlines to encourage timely payments, enhance security, and automate link deactivation once the period lapses. It integrates with the dashboard, updating link status in real time and preventing access to expired links.

Acceptance Criteria
User sets custom expiration date and time
Given a user is on the payment link creation page, when they select a future date and time using the custom expiration fields and submit, then the system saves the expiration setting and displays the correct deadline in the link summary.
User attempts to set an expiration date in the past
Given a user chooses a date/time earlier than the current moment, when they attempt to save the expiration, then the system blocks the action and shows an error message indicating the expiration must be in the future.
Dashboard reflects updated link status in real-time
Given a link has a set expiration, when the current time passes that expiration, then within one minute the dashboard automatically updates the link’s status to “Expired” without requiring a manual page refresh.
Expired links prevented from being accessed
Given a link has expired, when anyone navigates to its URL, then the system redirects to an expiration notice page and disables any payment or data submission options.
User edits expiration date on existing link
Given a user views an existing link with a custom expiration, when they modify the expiration date/time to a new valid future value and save, then the dashboard and link details reflect the updated deadline immediately.
User creates link without setting expiration uses default expiration
Given a user leaves the custom expiration fields blank, when they create the payment link, then the system applies the default expiration period (e.g., 30 days) and displays this default deadline in the link summary.
Usage Limit Configuration
"As a small business owner, I want to limit how many times a payment link can be used so that I can control transaction volume and prevent accidental or unauthorized multiple payments."
Description

Allow users to define a maximum number of times a payment link can be used. This prevents overcharging or misuse by restricting link access to a set number of payments. The system tracks each usage, decrements the count, and disables the link once the limit is reached.

Acceptance Criteria
Setting a Usage Limit on a New Payment Link
Given a user is on the Create Payment Link page When the user enters a positive integer between 1 and 1000 in the Usage Limit field Then the system accepts the value, saves the usage limit, and displays it in the link summary
Processing Multiple Payments Up to the Defined Limit
Given an active payment link with a usage limit of 3 and zero uses When a payer completes a payment via the link Then the system increments the usage count by 1, updates the remaining uses display, and keeps the link active until the count equals the limit
Automatic Deactivation When Usage Limit Is Reached
Given an active payment link with usage limit of 3 and usage count of 3 When any payer attempts to use the link Then the system immediately deactivates the link and returns a Link Expired error to the payer
Adjusting Usage Limits Before Reaching the Limit
Given a payment link with usage limit of 5 and usage count of 2 When the user increases the usage limit to 8 Then the system updates the usage limit, recalculates and displays remaining uses as 6, and allows subsequent payments up to the new limit
Handling Concurrent Payment Attempts at the Usage Limit Threshold
Given a payment link with usage limit of 2 and current usage count of 1 When two payment attempts occur simultaneously Then the system processes the first request, increments the count to 2 and deactivates the link, and the second request fails with a Link Expired error
Automatic Link Deactivation
"As a freelancer, I want expired or overused links to deactivate themselves automatically so that I don’t have to manually manage or monitor link validity."
Description

Automatically deactivate payment links when they reach their expiration date or usage limit. The system runs scheduled checks and immediately updates the link status to ‘Expired’ or ‘Disabled,’ ensuring no further payments are accepted after limits are met.

Acceptance Criteria
Expiration Date Reached
Given a payment link with an expiration date in the past When the scheduled link deactivation job runs Then the link status is set to 'Expired' and further payments are blocked.
Usage Limit Exceeded
Given a payment link configured with a maximum usage limit When the usage count equals the limit Then the system updates the link status to 'Disabled' preventing further transactions.
Daily Scheduled Check
Given the deactivation service configured to run daily at 00:00 When the scheduled job executes Then all links past expiration or exceeding usage limits are updated to the appropriate status.
Payment Attempt After Expiration
Given an expired payment link When a user submits a payment request Then the system rejects the request with an 'Link expired' error.
Payment Attempt After Usage Limit
Given a disabled payment link due to usage limit When a user attempts a payment Then the system rejects the request with a 'Link disabled' error.
Expiry Notification Alerts
"As a microbusiness owner, I want to receive alerts when my payment links are about to expire or have been deactivated so that I can take timely action and avoid payment disruptions."
Description

Send automated notifications to users before and after a link expires or reaches its usage limit. Alerts can be configured via email or in-app messages, informing users of upcoming expirations and completed deactivations. This helps users proactively renew or disable links and keeps them informed of link status.

Acceptance Criteria
Email Reminder 24 Hours Before Expiry
Given a user has a payment link with a set expiry date and email notifications enabled, When exactly 24 hours before expiration, Then the system sends a single email within 5 minutes containing the link ID, expiry date, and renewal instructions.
In-App Reminder 1 Hour Before Expiry
Given a user has a payment link with a set expiry date and in-app notifications enabled, When exactly 1 hour before expiration, Then a single in-app notification appears in the user’s notification center within 5 minutes with the link details and renewal options.
Email Notification After Expiration
Given a payment link has reached its expiry timestamp and email notifications are enabled, When the link expires, Then the system sends a single email within 5 minutes notifying the user of link deactivation and providing renewal instructions.
In-App Notification After Deactivation
Given a payment link has reached its expiry timestamp and in-app notifications are enabled, When the link expires, Then the system posts a single in-app notification within 5 minutes informing the user of link deactivation and offering renewal options.
Email Alert When Usage Limit Reached
Given a user has a payment link with a usage limit set and email notifications enabled, When the link processes the final allowed payment, Then the system sends a single email within 5 minutes stating the link is deactivated due to usage limit reached and summarizing total submissions.
Link Status Dashboard Integration
"As a freelancer, I want to see the status of all my payment links in one dashboard view so that I can quickly identify expiring or expired links and manage them efficiently."
Description

Integrate link expiry and usage data into the CashPulse dashboard, displaying real-time status indicators for all active, expiring, and expired links. Users can filter and sort by status, view upcoming expirations, and manage link settings directly from the dashboard.

Acceptance Criteria
Viewing Real-Time Link Status Overview
Given the user navigates to the Link Status Dashboard, when the page loads, then each payment link entry displays a status indicator (active, expiring soon, or expired) and updates in real time every minute.
Filtering Links by Status
Given the user selects a status filter (Active, Expiring Soon, Expired), when the filter is applied, then only links matching the selected status appear, and the results update within 2 seconds.
Sorting Links by Expiration Date
Given the user clicks the "Expiration Date" column header, when clicked once, then links sort in ascending order; when clicked twice, links sort in descending order, and the selected sort order persists across page reloads.
Viewing Upcoming Link Expirations
Given the user selects the "Expiring Soon" view, when the view loads, then links expiring within the next 7 days display with a countdown timer and the exact expiration date for each link.
Managing Link Settings Directly from Dashboard
Given the user clicks the "Edit" icon next to a link entry, when clicked, then an inline modal opens allowing modification of expiration date or usage limit, and upon saving, the dashboard reflects the updated settings within 3 seconds.

Analytics Insights

Provides real-time analytics on link performance, including click-through rates, average time to payment, and geographical data. These metrics help users refine their invoicing strategy and identify opportunities to optimize payment flow.

Requirements

Real-time Dashboard Refresh
"As a freelancer, I want the analytics dashboard to update in real time so that I can monitor link performance and respond quickly to trends."
Description

Enable users to see link performance metrics update in real time without manual refresh. The front-end will establish a WebSocket connection to the backend analytics service to push updates on click-through rates, payment times, and geographic usage as soon as new data arrives. This functionality ensures users have the most current insights into invoice link traffic, empowering timely decision-making and strategy adjustments.

Acceptance Criteria
Live Click-Through Rate Update
Given a user is viewing the dashboard, when a new link click occurs, then the click-through rate metric updates within 2 seconds without page refresh.
Real-Time Payment Time Metric Refresh
Given a payment is completed, when the backend receives the confirmation, then the average time to payment metric displays the updated value on the dashboard in under 2 seconds.
Geographic Usage Data Real-Time Display
Given a new click originates from a specific region, when the data is processed, then the geographic distribution map highlights the region in real time without requiring user interaction.
WebSocket Connection Recovery
Given the WebSocket connection drops unexpectedly, when the front end detects the disconnection, then it attempts to reconnect automatically and resumes real-time data updates within 5 seconds of outage.
Dashboard Load Handling Burst Updates
Given a high volume of incoming events (100+ per second), when events are streamed over the WebSocket, then the dashboard processes and displays all metric updates without loss or delay beyond 2 seconds.
Click-through Rate Calculation
"As a microbusiness owner, I want to view click-through rates for my invoice links so that I can gauge customer engagement and improve my invoicing strategy."
Description

Implement accurate calculation of click-through rates by dividing number of clicks by number of link views over specified time intervals. The system will aggregate view and click events, normalize them, and present CTR trends on the dashboard. This metric helps users identify which invoices are most engaging and adjust link placement or messaging accordingly.

Acceptance Criteria
Daily CTR Trend Display
Given the dashboard aggregates click and view events for the past 24 hours When a user selects the daily CTR view Then the system divides total clicks by total views for each day and displays the percentage trend graph correctly
Interval-Based CTR Calculation
Given a user defines a custom time interval on the dashboard When the system processes stored click and view events Then the system calculates CTR by dividing the number of clicks by views over that interval and shows the result in the specified time chart
Normalization of Outlier Events
Given there are spikes or data anomalies in click or view events When the system normalizes event counts Then extreme outliers beyond three standard deviations are smoothed before CTR calculation
Real-Time CTR Update
Given new click or view events occur When events are ingested into the system Then the dashboard refreshes the CTR metric within 60 seconds reflecting the latest data
Historical CTR Export
Given a user requests export of CTR data for a selected period When the system generates the CSV report Then the file includes date, total clicks, total views, and calculated CTR for each time point
Average Time to Payment Metric
"As a freelancer, I want to see the average time it takes for my invoices to be paid so that I can forecast my cash flow and follow up effectively."
Description

Calculate and display the average time between when an invoice link is sent and when payment is completed. The backend will process timestamped events to compute mean and median payment durations, presenting them in easy-to-read charts. This insight allows users to anticipate cash flow timing and optimize follow-up reminders.

Acceptance Criteria
Viewing Average Time to Payment on Dashboard
Given a user with paid invoices in the last 30 days, when they access the Analytics Insights page, then the Average Time to Payment section displays the correct mean and median payment durations computed from timestamped events, matching backend-calculated values.
Filtering Average Time Metrics by Date Range
Given a user selects a custom date range filter, when they apply the filter, then the Average Time to Payment metrics recalculate and display mean and median durations only for invoices paid within the selected dates, and the chart updates accordingly.
Comparing Mean and Median Payment Durations
Given the dashboard displays both mean and median payment durations, when the user hovers over each metric label, then the UI highlights the corresponding data in the chart and displays a tooltip defining the metric.
Verifying Real-time Metric Updates
Given a new invoice payment event is processed by the backend, when the dashboard is open, then the Average Time to Payment metrics update within 5 seconds to reflect the new data without requiring a page refresh.
Exporting Average Time to Payment Report
Given a user clicks the export button on the Average Time to Payment section, when the export action completes, then a CSV file is downloaded containing date, invoice ID, individual payment durations, and overall mean and median for the selected period, formatted according to the export specification.
Geographic Data Visualization
"As a microbusiness owner, I want to see where my invoice link clicks are coming from geographically so that I can target communications and explore new markets."
Description

Provide interactive map and region-based charts showing where invoice link clicks and payments originate. The analytics service will geolocate IP addresses, group them by country, region, or city, and render on a map interface. This visualization enables users to tailor communications and identify emerging markets.

Acceptance Criteria
Country-Level Click Distribution
Given the user opens the Geographic Data Visualization, When the dashboard loads, Then the interactive map displays each country with click counts aggregated by country and tooltips showing the total clicks per country.
Region Drill-Down Visualization
Given the user selects a specific country on the map, When the user clicks or taps on that country, Then the view zooms in and renders a region-based chart breaking down clicks and payments by state or province with accurate counts.
City-Level Payment Origins
Given the user switches to city-level view, When the city-level toggle is activated, Then the map plots markers for cities with payments, and hovering over a marker displays the number of payments originated from that city.
Interactive Map Filtering
Given the user applies a date range filter, When the date range is selected and applied, Then the map and region charts update to reflect only clicks and payments that occurred within the specified date range.
Real-Time Geolocation Updates
Given a new invoice link click or payment event is received, When real-time updates are enabled, Then the map refreshes automatically within 5 seconds to visualize the new event location without a full page reload.
Customizable Alerts and Thresholds
"As a freelancer, I want to receive alerts when my invoice performance metrics cross certain thresholds so that I can take timely action to address issues."
Description

Allow users to set thresholds for key metrics such as CTR, average payment time, and number of overdue invoices, and receive notifications when these thresholds are exceeded or not met. Users can configure alerts via the dashboard, choosing email or in-app notifications. This ensures proactive management of invoicing performance and cash flow.

Acceptance Criteria
Configuring New Threshold Alerts
Given a logged-in user on the Alerts Settings dashboard When the user sets thresholds for CTR, average payment time, and number of overdue invoices and selects email and in-app notifications Then the system saves each threshold with the correct notification channels and displays a success confirmation message
Receiving Email Notification for High CTR
Given the user has configured a CTR threshold of 5% with email notifications enabled When the system calculates the end-of-day CTR and finds it exceeds 5% Then an email notification is sent to the user’s registered email address within 5 minutes of the calculation
Receiving In-App Notification for Average Payment Time Delay
Given the user has set an average payment time threshold of 30 days with in-app notifications enabled When the rolling average payment time over the past 7 days exceeds 30 days Then the user receives an in-app notification badge and a detailed alert message in the notification center within 2 minutes
Alert Triggering for Overdue Invoice Count
Given the user has configured an overdue invoice threshold of 3 with both email and in-app notifications enabled When the count of overdue invoices increases from 3 to 4 Then the system simultaneously sends an email and creates an in-app notification containing the updated count and invoice details
Updating and Saving Alert Thresholds
Given the user has previously saved alert thresholds When the user modifies any threshold value or notification channel and clicks the Save button Then the dashboard reloads the updated settings and displays the new thresholds and channels accurately, replacing the old values
Data Filtering and Segmentation
"As a microbusiness owner, I want to filter analytics by date, client, and invoice status so that I can analyze performance for specific segments."
Description

Enable users to filter analytics data by date range, invoice status, client segments, and payment methods. The system will apply dynamic filters to the dataset and update visualizations accordingly. This feature helps users drill down into specific data subsets for targeted analysis and reporting.

Acceptance Criteria
Date Range Filtering
Given the user selects a start date and an end date When the user applies the date filter Then the dashboard displays only invoices issued within the selected date range and the invoice count matches the backend data
Invoice Status Filtering
Given the user selects one or more invoice statuses (e.g., Paid, Unpaid, Overdue) When the user applies the status filter Then all visualizations and summaries update to include only invoices matching the selected statuses and the totals reflect those invoices
Client Segment Filtering
Given the user chooses one or more client segments from the segment dropdown When the user applies the segment filter Then charts and data tables display only data for the selected client segments and the filter panel shows the active segment labels
Payment Method Filtering
Given the user selects a payment method (e.g., Credit Card, Bank Transfer, PayPal) When the user applies the payment method filter Then the dashboard shows only transactions processed with the selected payment method and updates the payment method breakdown accordingly
Combined Filter Application
Given the user applies multiple filters simultaneously (date range, status, client segment, payment method) When the user applies the combined filters Then the dashboard displays data that meets all selected criteria and the filter summary accurately lists each active filter

Smart Buffer Scheduler

Define optimal schedules and buffer thresholds that trigger automatic advances at convenient times. This ensures top-ups occur when cash dips below preset levels, minimizing fees and aligning with your business’s operational rhythms.

Requirements

Buffer Threshold Configuration
"As a freelancer, I want to set custom buffer thresholds for my account so that automatic advances only occur when my balance falls below a level I’m comfortable with, avoiding unnecessary fees."
Description

Allows users to define cash balance thresholds that trigger automatic advances. Users can set minimum balance levels (e.g., $500) per account or overall, with validation to prevent unrealistic values. The configuration integrates with the live dashboard and updates the advance engine in real time, ensuring that top-ups occur exactly when needed to maintain operational liquidity and minimize fees.

Acceptance Criteria
User Defines Minimum Balance Threshold
Given the user is on the Buffer Threshold Configuration page, when they enter a minimum balance of $500 and click Save, then the system stores the threshold, updates the advance engine, and displays a success message 'Threshold saved successfully'.
Automatic Advance Trigger at Threshold Breach
Given the user’s cash balance falls below the configured threshold, when the system performs its next balance check, then it automatically triggers an advance and reflects the top-up in the user’s account within 1 minute.
Threshold Value Validation
Given the user attempts to enter a threshold value less than $0 or greater than the account’s credit limit, when they click Save, then the system rejects the input and displays an inline error 'Enter a value between $0 and your credit limit'.
Real-Time Dashboard Update after Threshold Configuration
Given the user updates any threshold value, when they save the configuration, then the live dashboard reflects the new threshold line and projections within 5 seconds without a page reload.
Multiple Account Threshold Configuration
Given the user has multiple accounts linked, when they set individual thresholds for each account and save, then each threshold is saved correctly and displayed under its respective account in the dashboard.
Advance Schedule Definition
"As a microbusiness owner, I want to schedule automatic advances on specific days and times so that cash injections align with my business cycle and bank processing hours."
Description

Provides a scheduling interface for users to specify when automatic advances may be executed. Users can select days of the week, date ranges, and preferred time windows (e.g., weekdays at 8 AM). The schedule module validates against bank processing hours and integrates with the buffer threshold configuration to ensure advances align with users’ operational rhythms.

Acceptance Criteria
Weekly Morning Top-up Activation
Given the user schedules automatic advances for weekdays at 8:00 AM, When the user’s account balance falls below the buffer threshold on a scheduled weekday, Then the system initiates the advance between 8:00 AM and 8:15 AM.
Invalid Time Window Rejection
When the user attempts to select a time outside of bank processing hours, Then the system blocks the selection, displays an error message indicating invalid time, and prevents saving the schedule.
Date Range Scheduling
Given the user defines a start date and end date for the advance schedule, When the current date is within the defined range and the balance dips below threshold, Then the system executes the advance; Otherwise, no advance is triggered outside the date range.
Buffer Threshold Integration
When the user updates the buffer threshold value, Then all existing schedules are re-evaluated to ensure advances trigger only when the balance falls below the new threshold.
Schedule Modification Persistence
Given the user edits an existing advance schedule’s parameters and saves changes, When the save action completes, Then the updated schedule is persisted and reflected on the user’s dashboard within five minutes.
Auto-Advance Execution Engine
"As a user, I want the system to automatically initiate advances when my balance dips below thresholds so that I can maintain cash flow without manual intervention."
Description

Back-end service that continuously monitors account balances against defined thresholds and schedules. When conditions are met, it initiates advance requests via the payment gateway API. The engine handles retries for temporary failures, logs each transaction outcome, and integrates with fraud and risk modules to ensure secure transfers and compliance.

Acceptance Criteria
Threshold Breach Trigger
Given a user’s account balance falls below the defined buffer threshold and the current time matches an allowed schedule, When the Auto-Advance Execution Engine runs its monitoring cycle, Then it must initiate a valid advance request to the payment gateway API with the correct user ID and advance amount and receive a successful response code within 2 seconds.
Scheduled Buffer Top-Up
Given the engine’s daily scheduled check occurs at the user’s configured time, When the user’s balance is at or above the buffer threshold, Then no advance request is sent; Otherwise, an advance request is initiated successfully.
API Retry on Temporary Failure
Given a temporary API failure (5xx response or timeout) occurs during an advance request, When the engine retries up to 3 times with exponential backoff, Then it must record each retry attempt and either succeed before retry limit or log a failure after the final attempt.
Transaction Logging and Audit
Given any advance request is processed, When the engine completes the request cycle (success or failure), Then it logs a detailed record including timestamp, user ID, threshold value, requested amount, API response code, and final status into the audit database.
Fraud and Risk Compliance Check
Given an advance request is triggered, When the engine performs the fraud and risk module check, Then it must block and log requests flagged as high risk and notify the user of denial, and only forward compliant requests to the payment gateway.
Advance Notifications & Alerts
"As a user, I want to receive timely notifications before and after an auto-advance so that I can stay informed and respond to any issues quickly."
Description

Notification subsystem that informs users of upcoming, successful, or failed auto-advances. Supports in-app notifications, emails, and SMS based on user preferences. Alerts include advance amount, scheduled time, and any errors encountered, allowing users to review and adjust buffer or schedule settings as needed.

Acceptance Criteria
Scheduled Advance Notification
Given a user has an auto-advance scheduled and in-app notifications enabled, When it is 30 minutes before the scheduled advance time, Then the system sends an in-app notification displaying the advance amount and scheduled time.
Successful Auto-Advance Confirmation
Given an auto-advance completes successfully, When the transaction is finalized, Then the system sends an email and SMS (if enabled) to the user containing the advance amount, date/time, and transaction ID.
Failed Advance Alert
Given an auto-advance attempt fails due to insufficient balance or network error, When the failure is detected, Then the system sends an in-app notification, email, and SMS (if enabled) specifying the error code and instructions to resolve the issue.
Preference-Based Notification Delivery
Given a user has set their notification preference to email only, When any advance event (upcoming, success, or failure) occurs, Then the system sends only an email notification and suppresses in-app and SMS notifications.
Notification Settings Update Feedback
Given a user updates their notification preferences in settings, When the changes are saved successfully, Then the system sends an immediate in-app notification and email confirmation summarizing the updated notification settings.
Buffer Scheduler Audit Trail
"As an accountant, I want to review a log of all automatic advances so that I can reconcile transactions and maintain accurate financial records."
Description

Reporting feature that provides a complete audit trail of all scheduled and executed advances. Includes timestamps, amounts, status (success/failure), and triggered thresholds. Users can filter results by date range, export data to CSV, and view logs directly on the dashboard for reconciliation and accounting purposes.

Acceptance Criteria
View Audit Trail on Dashboard
Given the user is on the Smart Buffer Scheduler Audit Trail dashboard, When the page loads, Then all scheduled and executed advances are listed with timestamp, amount, status, and triggered threshold.
Filter Audit Logs by Date Range
Given the user has a populated audit trail, When the user selects a start date of YYYY-MM-DD and an end date of YYYY-MM-DD and applies the filter, Then only entries within that inclusive date range are displayed.
Export Audit Trail to CSV
Given a set of filtered or unfiltered audit entries, When the user clicks the 'Export to CSV' button, Then a CSV file is generated and downloaded, containing headers: Timestamp, Amount, Status, Triggered Threshold, and including all displayed records.
Sort and Paginate Audit Entries
Given the audit trail has more entries than the page size of 20, When the user clicks on column headers or pagination controls, Then the list is sorted ascending/descending by the selected column or moved to the next/previous page correctly.
Real-Time Status Updates in Audit Trail
Given an advance in execution is in progress, When its status changes to success or failure, Then the audit trail entry on the dashboard updates within 5 seconds to reflect the new status without requiring a page reload.

Predictive Top-Up Optimization

Leverage machine learning forecasts of incoming payments to dynamically adjust auto-advance triggers. By predicting cash inflows, the system reduces unnecessary advances, lowers costs, and keeps your buffer just right.

Requirements

Forecast Data Integration
"As a microbusiness owner, I want the platform to use my historical and incoming payment data so that I receive accurate forecasts for future cash inflows."
Description

Integrate with payment sources (e.g., bank APIs, invoicing platforms) to ingest real-time and historical invoice and payment data. Ensure data consistency, security, and availability to support accurate cash inflow forecasting by the predictive engine.

Acceptance Criteria
Ingesting Live Payment Data from Bank API
Given valid bank API credentials When the system polls the bank API every 10 minutes Then it fetches and stores all new payment transactions within 2 minutes of their occurrence
Syncing Historical Invoices from Invoicing Platform
Given a connected invoicing platform account When the system initiates a full data sync Then it retrieves and loads all invoices from the past 24 months without data loss or duplication
Validating Data Consistency Across Sources
Given data ingested from multiple payment and invoicing sources When the system compares transaction IDs and amounts Then discrepancies are identified and flagged with an error report within 5 minutes
Encrypting Data in Transit and at Rest
Given payment and invoice data flows When data is transmitted between APIs and stored in the database Then all data is encrypted using AES-256 and connections use TLS 1.2 or higher
Retry Mechanism for Failed Data Fetches
Given a data fetch failure due to network or API errors When the system encounters an error Then it retries up to 3 times with exponential backoff and logs failures after the final attempt
Machine Learning Prediction Engine
"As a user, I want the system to predict when and how much payment I’ll receive so that auto-advances only occur when truly needed."
Description

Implement a scalable machine learning engine that processes ingested payment data to forecast payment dates and amounts. Support continuous model retraining with new data and provide confidence intervals for each prediction to inform decision thresholds.

Acceptance Criteria
Forecast Accuracy Validation
Given a test dataset of 200 historical invoices, the prediction engine must achieve a Mean Absolute Percentage Error (MAPE) of 5% or less; the model’s predicted payment dates should fall within the actual payment date +/- 3 days for at least 90% of invoices
Confidence Interval Generation
Each API response must include a lower and upper bound representing a 90% confidence interval for both payment date and amount; confidence intervals must cover the actual payment date at the specified confidence level for at least 90% of test cases
Continuous Model Retraining
The retraining pipeline must automatically trigger weekly using newly ingested payment data; the end-to-end retraining and deployment process must complete within 2 hours without downtime to the prediction service
Data Ingestion Workflow
The engine must process 99% of incoming payment records without errors during simulated peak ingestion (5000 records/minute); records failing validation must be logged with error codes and summary reports generated hourly
High-volume Prediction Throughput
Under load testing of 1000 prediction requests per minute, the average response time must remain below 200ms and error rate must not exceed 0.1%; system CPU and memory usage must stay within 80% of threshold
Dynamic Threshold Adjustment
"As a freelancer, I want my advance thresholds to adapt to forecasted inflows so that I avoid excess fees and maintain sufficient cash."
Description

Develop logic to dynamically adjust auto-advance triggers based on prediction outputs and user-defined buffer preferences. Update thresholds in real time to minimize unnecessary advances, reduce costs, and maintain optimal cash buffers.

Acceptance Criteria
Standard Buffer Preference Update
Given a user with a buffer preference set to 20%, when the system receives a payment forecast, then the auto-advance trigger threshold adjusts dynamically to ensure the user's buffer remains at 20% above forecasted outflows.
Large Invoice Forecast Adjustment
Given the system predicts an incoming payment exceeding 50% of the user's monthly outflows, when calculating the auto-advance threshold, then the threshold increases proportionally to avoid unnecessary advances, capping at the user's maximum buffer limit.
Rapid Inflow Prediction Change
Given a sudden spike in payment forecasts within a 30-minute window, when recalculating auto-advance triggers, then the system updates thresholds in real time without exceeding a performance SLA of 2 seconds per update.
User-Modified Buffer Override
Given a user manually adjusts their buffer preference during business hours, when the system processes new forecast data, then auto-advance thresholds respect the overridden preference immediately.
Threshold Adjustment on Payment Delay
Given an expected payment is delayed past its forecast date by three days, when detecting the delay, then the system lowers the auto-advance trigger threshold to maintain cash flow and sends a notification to the user.
User Control Panel
"As a microbusiness owner, I want to customize my buffer sizes and manually override predictions so that I control my cash flow strategy."
Description

Provide a dashboard interface for users to view cash flow forecasts, adjust buffer settings, override auto-advance triggers, and review prediction accuracy. Ensure transparency and customization of the top-up process.

Acceptance Criteria
Viewing Cash Flow Forecasts
Given the user is on the dashboard forecasts tab when the page loads then a 30-day cash flow forecast graph and corresponding table are displayed within 2 seconds with correct values for each day
Adjusting Buffer Settings
Given the user opens buffer settings when they enter a valid buffer amount between $0 and $10,000 and click Save then the system stores the new buffer value, refreshes forecasts accordingly, and displays a success message
Overriding Auto-Advance Triggers
Given the system predicts an auto-advance event when the user clicks Override for a specific date then the auto-advance for that date is canceled, the user sees a confirmation, and the override action is logged
Reviewing Prediction Accuracy Graphs
Given the user navigates to the prediction accuracy section when the section loads then a chart comparing predicted vs. actual inflows over the past 90 days with percentage accuracy is displayed and highlights any accuracy below 90%
Real-Time Dashboard Data Refresh
Given the user is viewing the dashboard when data changes on the server then the dashboard updates forecasts, buffer status, and alerts within 60 seconds without requiring a page reload
Cost Savings Analytics
"As a user, I want to see how much I’m saving on fees thanks to predictive top-ups so that I can gauge the feature’s value."
Description

Generate analytics and reports that highlight reduced advance fees and cost savings achieved through predictive optimization. Integrate these insights into the dashboard to demonstrate financial benefits over time.

Acceptance Criteria
Monthly Savings Report Generation
Given a user selects a monthly period on the analytics dashboard When the system generates the savings report Then the report displays total reduced advance fees and percentage change compared to the previous month
Dashboard Data Accuracy Verification
Given predictive optimization is enabled and payment data is imported When the dashboard refreshes Then the displayed cost savings figures match calculations based on actual advance fees saved
Historical Fee Comparison Export
Given a user requests an export of historical fee comparisons When the export is generated Then the CSV contains columns for period, advance fees without optimization, advance fees with optimization, and savings achieved
User Notification of Savings Milestone
Given the system detects cumulative savings exceeding a user-defined threshold When the threshold is reached Then the user receives an in-app notification detailing total savings and cost benefits
Real-Time Savings Display
Given incoming payments are forecasted in real time When the predictive engine recalculates buffer adjustments Then the dashboard updates the projected cost savings within 5 seconds
Real-time Alert Notifications
"As a freelancer, I want to receive alerts when my buffer is low or an advance is about to occur so that I’m aware of the system’s actions."
Description

Implement a notification system to alert users in real time when auto-advance actions are triggered or when forecasted inflows change significantly. Allow configuration of alerts via email, SMS, or in-app push notifications.

Acceptance Criteria
Auto-Advance Trigger Push Notification
Given the user has enabled in-app push notifications When an auto-advance action is triggered Then the user shall receive a push notification within 5 seconds And the notification shall include the invoice ID and amount advanced.
Forecast Change Email Alert
Given the user has provided a valid email address and enabled email alerts When the forecasted cash inflow changes by more than the user-configured threshold Then the system shall send an email notification within 2 minutes And the email shall detail the previous forecast amount and the new forecast amount.
SMS Notification Delivery
Given the user has verified their phone number and enabled SMS alerts When an auto-advance action is triggered or a forecast change exceeds threshold Then the user shall receive an SMS notification within 30 seconds And the SMS shall clearly state the type of event (auto-advance or forecast change) and relevant amounts.
Alert Configuration and Customization
Given the user is on the notification settings page When the user adjusts alert channels or forecast change thresholds Then changes shall be saved immediately upon clicking “Save” and a confirmation message displayed And subsequent events shall respect the updated configuration without requiring a page refresh or logout.
Notification History Display
Given the user navigates to the notification history section in-app When the section loads Then it shall display the 50 most recent notifications with timestamp, channel, event type, and details And mark unread notifications distinctly from read ones.

Tiered Top-Up Plans

Configure multiple buffer tiers—such as Caution, Secure, and Robust—with distinct top-up amounts for each level. Tailor advances to your risk preferences and cash usage patterns for more personalized financial protection.

Requirements

Tier Configuration Interface
"As a freelancer, I want to configure my own buffer tiers so that I can tailor advances to my risk preferences and cash flow usage."
Description

Allows users to define and manage multiple buffer tiers—such as Caution, Secure, and Robust—by specifying distinct top-up amounts and labeling each tier. This interface seamlessly integrates with CashPulse’s dashboard, enabling users to tailor their financial protection levels according to their individual risk preferences and cash usage patterns.

Acceptance Criteria
Creating a New Buffer Tier
Given the user is on the Tier Configuration Interface When the user enters a unique tier name “Caution” and a valid top-up amount of 500 and clicks “Save” Then a new buffer tier labeled “Caution” with a top-up amount of 500 is added to the tier list
Editing an Existing Buffer Tier
Given an existing buffer tier labeled “Secure” with a top-up amount of 1000 When the user clicks “Edit” on the “Secure” tier, updates the amount to 1200, and saves Then the “Secure” tier displays the updated top-up amount of 1200 in the tier list
Deleting a Buffer Tier
Given a buffer tier labeled “Robust” exists in the tier list When the user clicks “Delete” on the “Robust” tier and confirms the action Then the “Robust” tier is removed from the tier list and no longer appears
Displaying Buffer Tiers on Dashboard
Given multiple buffer tiers have been configured When the user navigates to the CashPulse dashboard Then all configured tier names and their respective top-up amounts are displayed correctly and sorted by risk level
Validating Top-Up Amount Limits
Given the user attempts to save a new or edited tier with an invalid top-up amount (e.g., negative number, zero, or non-numeric) When the user clicks “Save” Then the system displays a validation error message and prevents the tier from being saved until a valid positive numeric amount is entered
Dynamic Risk Assessment Engine
"As a microbusiness owner, I want the system to assess my cash flow risk and recommend a top-up tier so that I can choose the right level of financial protection."
Description

Implements a real-time analytics engine that evaluates users’ invoice payment patterns and cash flow history to recommend the most suitable buffer tier. This engine integrates predictive modeling to adjust recommendations as users’ financial behaviors evolve, ensuring personalized and data-driven financial protection.

Acceptance Criteria
Initial Risk Tier Recommendation at Onboarding
Given a new user with no payment history, when the risk engine analyzes default industry data and user profile, then it recommends a buffer tier aligned with average risk for the user’s freelancer category.
Dynamic Adjustment After a Sequence of On-Time Payments
Given a user completes three consecutive on-time invoice payments, when the engine recalculates risk, then it upgrades the recommended buffer tier by one level above the initial recommendation.
Buffer Tier Recommendation After Recurring Late Payments
Given a user records two late invoice payments within a 30-day window, when the engine processes recent payment data, then it downgrades the recommended buffer tier by one level.
Reassessment During Seasonal Invoice Volume Fluctuations
Given a user’s monthly invoice volume increases by more than 50% compared to the prior month, when the engine executes its monthly batch prediction, then it suggests increasing buffer tiers to mitigate higher cash flow variability.
Real-Time Recommendation Update After Large Unexpected Invoice
Given a user receives an invoice over 200% of their average invoice value, when the engine ingests the new invoice data, then it immediately adjusts the recommended tier to the highest available level.
Automated Top-Up Execution
"As a user, I want automatic top-ups when my balance falls below a tier threshold so that I don't have to manually request advances."
Description

Automatically triggers top-up advances when users’ available funds fall below their selected tier thresholds, ensuring continuous buffer maintenance without manual intervention. The system executes funding requests in real time and confirms transactions on the dashboard to keep users informed.

Acceptance Criteria
Downward Threshold Breach Trigger
Given a user has configured a buffer tier threshold When the user’s available funds fall below the configured threshold Then the system automatically initiates a top-up advance within 10 seconds
Real-Time Funding Request Execution
Given a top-up advance is triggered When the system sends a funding request to the financing partner Then the financing partner receives and acknowledges the request within 15 seconds
Dashboard Transaction Confirmation
Given a funding request has been approved and funds are transferred When the transfer is complete Then the dashboard displays the transaction details (amount, timestamp, tier) within 5 seconds
Multiple Tier Transitions
Given a user has multiple buffer tiers configured When available funds drop from above Caution to below Caution but remain above Secure Then the system triggers only the Caution tier top-up amount and does not trigger any other tier
Failure and Retry Mechanism Handling
Given a funding request fails due to a financing partner error When the system receives a failure response Then it retries the funding request up to 3 times with exponential backoff intervals (30s, 1m, 2m) and logs each attempt
Tier Alerts and Notifications
"As a user, I want to receive notifications when I approach my buffer tiers so that I can be informed of potential top-ups and cash flow changes."
Description

Sends configurable alerts and in-app notifications when users approach or breach their defined buffer tiers, and provides confirmations for executed top-ups. These notifications help users stay aware of their cash flow status and upcoming advances.

Acceptance Criteria
Low Balance Reaches Caution Tier
Given a user has set a Caution buffer tier threshold, When their available balance falls to or below the Caution threshold, Then an in-app notification and email alert are sent within one minute.
Low Balance Reaches Secure Tier
Given a user has set a Secure buffer tier threshold higher than Caution, When their available balance falls to or below the Secure threshold, Then an in-app notification and email alert are sent within one minute.
Balance Breaches Robust Tier
Given a user has set a Robust buffer tier threshold higher than Secure, When their available balance falls below the Robust threshold, Then an urgent in-app notification, email, and SMS alert are sent within one minute.
Top-Up Successfully Executed Notification
Given an automated top-up is triggered for any tier, When the top-up completes, Then the user receives a confirmation in-app notification and email including amount advanced and updated balance.
User Updates Notification Preferences
Given a user navigates to notification settings, When they modify alert channels (in-app, email, SMS) for each tier, Then changes are saved and applied to subsequent tier alerts within five minutes.
Analytics and Reporting Dashboard
"As a user, I want to see reports on my tier usage and top-up history so that I can evaluate the effectiveness of my buffer strategy."
Description

Enhances the live CashPulse dashboard with detailed analytics on tier performance, top-up history, and forecasted cash flow impacts for each buffer level. Users gain insights into their financial protection strategies and can adjust their tiers based on historical data.

Acceptance Criteria
Viewing Tier Performance Analytics
Given the user is on the Analytics and Reporting Dashboard When the user selects a buffer tier Then the dashboard displays accurate metrics for that tier, including total top-ups, average top-up amount, and utilization rate, within 2 seconds
Reviewing Top-Up History for a Selected Tier
Given the user views the Top-Up History section When the user filters by a specific tier and date range Then the system returns a chronological list of top-up events with correct timestamps, amounts, and tier labels
Generating Cash Flow Forecast for Buffer Levels
Given the user navigates to Forecast Analytics When the user selects one or more buffer tiers and a future period Then the dashboard generates and displays a forecasted cash flow chart reflecting projected top-up needs and cash gaps for each selected tier
Exporting Detailed Analytics Data
Given the user chooses to export analytics data When the user selects CSV or PDF format and a date range Then the system downloads a file containing all displayed metrics, charts, and raw data for each buffer tier, matching the dashboard view
Adjusting Tiers Based on Historical Insights
Given the user reviews historical performance analytics When the user identifies suboptimal tier usage patterns Then the user can update tier top-up amounts directly from the dashboard and see immediate recalculation of forecasts

Top-Up Cap & Budget Control

Set daily, weekly, or monthly caps on automatic advances to manage fees and maintain strict budget discipline. Receive alerts when you approach limits, ensuring you stay in control of your financing costs.

Requirements

Flexible Cap Scheduling
"As a freelancer, I want to set daily, weekly, or monthly advance caps so that I can control my financing costs and avoid unexpected fees."
Description

Enable users to configure automatic advance caps on a daily, weekly, or monthly basis within the CashPulse dashboard. The system should allow selection of cap type and amount, enforce the cap rules when processing advances, and seamlessly integrate with existing invoicing and advance workflows. This feature helps users manage financing costs proactively and maintain strict budget discipline by aligning top-up behavior with their cash flow preferences.

Acceptance Criteria
Setting a Daily Cap
The user can select 'Daily' from the cap frequency options; The user can input a valid positive numeric cap amount with up to two decimal places; When the user clicks 'Save', the cap is persisted to the database; The dashboard lists the active daily cap with correct amount and effective start date.
Setting a Weekly Cap
The user can select 'Weekly' from the cap frequency options; The user can input a valid positive numeric cap amount with up to two decimal places; When the user clicks 'Save', the cap is persisted to the database; The dashboard lists the active weekly cap with correct amount and effective start date.
Setting a Monthly Cap
The user can select 'Monthly' from the cap frequency options; The user can input a valid positive numeric cap amount with up to two decimal places; When the user clicks 'Save', the cap is persisted to the database; The dashboard lists the active monthly cap with correct amount and effective start date.
Cap Limit Alert Trigger
Given total advances in the current period reach 90% of the configured cap, when the next advance is processed, then the system sends an in-app notification and an email alert to the user indicating they have reached 90% of their cap; The alert includes the cap frequency, cap amount, and current total advances.
Automatic Advance Enforcement
Given total advances in the current period reach or exceed the configured cap, when the system attempts to process an automatic advance, then the advance is blocked; The user sees a dashboard message explaining the cap limit has been reached and suggesting they adjust their cap settings.
Cap Limit Alerts
"As a microbusiness owner, I want to receive notifications when I am nearing my advance cap so that I can adjust my spending and avoid exceeding my budget."
Description

Implement notification alerts that trigger when users approach predefined cap thresholds (e.g., 80%, 90%). Alerts should be delivered via in-app notifications, email, or SMS based on user preferences, and should clearly state the remaining cap balance and the next steps. This requirement ensures users stay informed and can adjust their usage before hitting their limits.

Acceptance Criteria
Daily Cap 80% Threshold Alert
Given a user has set a daily advance cap of $100 and has utilized $80 in advances, when usage reaches 80% of the daily cap, then the system sends an alert via the user’s preferred channels indicating $20 remaining and recommending to review usage.
Weekly Cap 90% Threshold Alert
Given a user has set a weekly advance cap of $700 and has utilized $630 in advances, when usage reaches 90% of the weekly cap, then the system sends an alert via the user’s preferred channels showing $70 remaining and advising next steps.
Monthly Cap 80% Threshold Alert
Given a user has set a monthly advance cap of $3000 and has utilized $2400 in advances, when usage reaches 80% of the monthly cap, then the system triggers an alert via the user’s preferred channels indicating $600 remaining and suggesting budget adjustment.
Multi-Channel Notification Delivery
Given a user has enabled in-app, email, and SMS notifications, when any cap threshold is reached, then the system sends identical alert messages to all enabled channels within one minute of the threshold event.
Final Cap Reached Alert
Given a user has reached 100% of their configured cap, when usage equals the cap amount, then the system instantly sends a final alert via the user’s preferred channels stating that the cap is fully utilized and no further advances will be applied until reset.
Real-Time Cap Usage Tracker
"As a user, I want to see my current cap usage in real time so that I can make informed decisions about requesting further advances."
Description

Develop a visual tracker in the dashboard that shows real-time usage of the configured cap period (daily, weekly, monthly). Include progress bars, numerical values, and percentage indicators that update instantly with each advance transaction. This feature provides transparency and empowers users to monitor their financing activity at a glance.

Acceptance Criteria
Real-Time Progress Bar Reflects Daily Cap
Given a user sets a daily cap of $1,000 and draws $200 in advances, the dashboard displays a progress bar at 20% with numeric values showing $200 used and $800 remaining. When the user makes an additional advance of $300, then within one second the progress bar updates to 50% and the numeric values update to $500 used and $500 remaining.
Weekly Cap Alerts Trigger at Thresholds
Given a user with a weekly cap of $5,000 reaches 90% usage through advances, when the total used amount crosses 4,500, then an alert icon appears on the dashboard with the message 'You have used 90% of your weekly cap'.
Monthly Cap Remaining Value Accuracy
Given a user configures a monthly cap of $20,000 and has made no advances, then the dashboard shows 0% usage with $0 used and $20,000 remaining. After advances totaling $8,000, the dashboard updates to 40% usage with $8,000 used and $12,000 remaining.
Cap Tracker Resets at Period Boundary
Given the local date transitions to a new cap period at midnight, then the progress bar resets to 0%, the used amount resets to $0, and the remaining cap resets to the full configured amount for the new period. Upon the next advance, the tracker updates accurately.
Synchronous Update During Simultaneous Advancements
Given two advance transactions are processed simultaneously, when both transactions complete, then the dashboard updates in real time to reflect the combined usage, with the progress bar, numeric used amount, and remaining cap accurately representing the sum of both advances without conflicts or data loss.
Cap Override with Confirmation
"As a freelancer, I want the ability to override my cap temporarily so that I can access funds urgently even if I have reached my limit."
Description

Allow users to temporarily override their cap in emergency situations by requesting an override directly from the dashboard. Include a confirmation workflow that presents potential fees and risks before finalizing the override. Overrides should be logged and subject to approval rules set by CashPulse policies.

Acceptance Criteria
Emergency Override Request from Dashboard
Given the user has reached their daily cap limit When the user clicks "Request Override" on the dashboard Then a confirmation modal displays the override amount, estimated fees, and associated risks
User Confirms Override After Reviewing Fees and Risks
Given a confirmation modal is displayed with override details When the user clicks "Confirm Override" Then the system deducts the appropriate fees and processes the override request
User Cancels Override After Reviewing Fees and Risks
Given a confirmation modal is displayed with override details When the user clicks "Cancel" Then no override is processed and the modal closes without charges
System Logs Override Requests with Details
Given a user completes an override request When the override request is submitted Then the system logs the request with user ID, timestamp, override amount, fees, and risk acknowledgment
Override Request Approval Flow
Given an override request is logged When the request is evaluated per CashPulse policies Then the system updates the request status to "Approved" or "Rejected" and notifies the user accordingly
Cap History and Audit Log
"As an accountant, I want to review a complete history of cap settings and alerts so that I can audit financing controls and ensure compliance."
Description

Provide a detailed history page that logs all cap configurations, usage snapshots, alerts sent, and overrides executed. Include filters by date, cap type, and action. This audit log supports users in reviewing past decisions and assists finance teams in compliance and reporting.

Acceptance Criteria
Filtering Audit Log Entries by Date Range
Given the user is on the Cap History and Audit Log page When the user selects a start date of 2025-07-01 and an end date of 2025-07-15 and applies the date filter Then only entries with timestamps between July 1, 2025 and July 15, 2025 are displayed And the total count of displayed entries matches the number of records in that date range
Filtering Audit Log by Cap Type
Given the user is viewing the audit log When the user selects “Daily” as the cap type filter and applies it Then only audit entries related to daily cap configurations, snapshots, alerts, and overrides are displayed And entries of other cap types are excluded
Viewing Alert Notification History
Given multiple alert notifications have been triggered for cap usage When the user selects the “Alerts Sent” filter and views the log Then all past alert entries are listed with their timestamp, cap type, threshold reached, and delivery status
Tracking Manual Override Actions
Given a user or administrator has executed a cap override When the override action is completed Then the audit log records an entry with the action type “Override,” user ID, timestamp, original cap value, new cap value, and override reason
Exporting Audit Log for Compliance
Given the user applies any combination of date, cap type, and action filters When the user clicks “Export” Then a CSV file is generated containing all visible audit log entries And the file includes columns for date, cap type, action, user, value changes, and comments And the number of rows in the CSV matches the number of entries displayed

FlexPause Mode

Temporarily suspend auto top-ups during periods of healthy cash flow with one click. FlexPause automatically resumes protections once your buffer dips below the defined threshold, offering flexibility without manual resets.

Requirements

FlexPause Toggle
"As a freelancer, I want to pause and resume auto top-ups with a single click so that I can manage my cash flow without navigating multiple menus."
Description

Implement a seamless one-click control in the dashboard that allows users to suspend and resume the auto top-up feature instantly. This control should update the user’s FlexPause status in real time, integrate with the backend to halt or restart fund transfers, and visually reflect the current state (paused or active) through clear UI indicators.

Acceptance Criteria
Dashboard FlexPause Toggle Activation
Given a logged-in user with active auto top-up and buffer above threshold, When the user clicks the FlexPause toggle, Then auto top-up is suspended immediately, backend status updates to 'paused', and the toggle UI shows 'paused'.
Dashboard FlexPause Toggle Deactivation
Given a logged-in user with auto top-up suspended, When the user clicks the FlexPause toggle, Then auto top-up resumes immediately, backend status updates to 'active', and the toggle UI shows 'active'.
Real-Time UI Feedback After Toggle
Given a user toggles the FlexPause button, When the backend confirms the change, Then the UI updates within 2 seconds, displays the correct color state (grey for paused, green for active), and shows a tooltip explaining the current status.
FlexPause Resumption Threshold Trigger
Given auto top-up is paused and the cash buffer falls below the defined threshold, When the buffer check runs, Then the system automatically resumes auto top-up, backend status updates to 'active', and the user receives both an in-app and email notification.
Error Handling on Toggle Failure
Given a user clicks the FlexPause toggle and the backend API fails, When the error occurs, Then the UI reverts the toggle to its previous state, displays an error message 'Unable to update FlexPause status, please try again.', and logs the error event.
Threshold Configuration
"As a user, I want to set my own buffer threshold for FlexPause so that auto top-ups only resume when my balance falls below my comfort level."
Description

Provide a settings interface where users can define the minimum cash buffer threshold that triggers automatic resumption of top-ups. This includes input validation, default threshold values based on user profile, and real-time feedback showing the projected buffer level relative to the set threshold.

Acceptance Criteria
User customizes buffer threshold
Given the user is on the Threshold Configuration settings page When they enter a valid numeric value (e.g., 500) Then the system accepts the input, updates the buffer threshold display to the new value, and persists the value for future sessions
Default threshold initialization
Given a new user profile with no existing threshold When the Threshold Configuration page loads for the first time Then the system sets the input field to the default threshold value based on the user’s business profile and displays a tooltip explaining the default selection
Invalid threshold input handling
Given the user inputs a value outside the allowed range (e.g., negative number or non-numeric text) When they attempt to save the threshold Then the system displays an inline validation error message, prevents saving, and guides the user to enter a valid number within the allowed range
Real-time feedback visualization
Given the user adjusts the threshold value via slider or input field When the value changes Then the live buffer meter visualization updates instantly to reflect the projected buffer level relative to the new threshold, with correct percentage and color indicators
Threshold persistence across sessions
Given the user has successfully saved a custom threshold When they log out and log back in or refresh the application Then the system loads and displays the previously saved threshold value in the settings page
AutoResume Engine
"As a microbusiness owner, I want FlexPause to automatically restart top-ups when my buffer gets low so that I don’t have to monitor my funds manually."
Description

Develop backend logic that continuously monitors the user’s live cash buffer and automatically reactivates auto top-ups once the balance drops below the configured threshold. This engine must handle concurrency, scale with user load, and ensure fail-safe operations with retry mechanisms on transfer failures.

Acceptance Criteria
AutoResume Trigger on Threshold Breach
Given the user’s cash buffer falls below the configured threshold When the AutoResume Engine detects the breach Then the system must initiate an auto top-up transaction within 30 seconds And the user’s buffer balance must increase to at least the threshold amount
Retry Mechanism on Transfer Failure
Given an auto top-up transfer attempt fails due to network or service error When the AutoResume Engine detects the failure Then the system must retry the transfer up to 3 times with exponential backoff intervals And log each retry attempt with timestamp and error details And mark the transaction as permanently failed after the retries are exhausted
Concurrent Processing Handling
Given multiple cash buffer updates occur concurrently for the same user When the AutoResume Engine processes these updates Then the system must prevent duplicate or conflicting top-up initiations And ensure only one auto top-up is executed when the threshold is breached
Scalability Under High Load
Given a spike of 10,000 simultaneous buffer checks across users When the AutoResume Engine handles the load Then the system must maintain an average processing latency below 200ms per check And sustain 99.9% success rate for auto top-up triggers without failures
Fail-Safe Resumption Post-Service Outage
Given the AutoResume Engine service experiences downtime and then recovers When the engine restarts Then the system must identify any past threshold breaches during downtime And execute pending auto top-ups within 60 seconds of recovery And reconcile and report all missed transactions to the audit log
Status Notifications
"As a user, I want to receive notifications whenever FlexPause pauses or resumes so that I’m aware of changes to my automatic top-up protection."
Description

Implement an alert system that sends in-app messages and optional email or SMS notifications when FlexPause is paused or reactivated. Notifications should include timestamp, current buffer level, and next action, ensuring users are always informed about their cash protection status.

Acceptance Criteria
FlexPause Paused Notification
Given a user has an active FlexPause mode, When the user clicks 'Pause FlexPause', Then the system sends an in-app notification and an email/SMS (if enabled) containing the pause timestamp, current buffer level, and next auto-resume threshold within 5 seconds.
FlexPause Reactivated Notification
Given FlexPause is paused and buffer dips below the threshold, When the system auto-reactivates FlexPause, Then the user receives an in-app notification and an email/SMS (if enabled) with the reactivation timestamp, buffer level at reactivation, and next auto-pause threshold within 5 seconds.
Custom Notification Channel Selection
Given a user configures notification preferences for in-app only, email, SMS, or any combination, When a FlexPause pause or reactivate event occurs, Then the system sends notifications only via the selected channels within 5 seconds.
Accurate Buffer Level Reporting
Given a pause or reactivate event, When the notification is generated, Then the buffer level included in the notification matches the live dashboard value to the nearest cent.
Timestamp Formatting Validation
Given any notification event, When the notification is delivered, Then the timestamp is formatted in the user's locale setting (e.g., YYYY-MM-DD HH:MM:SS or DD/MM/YYYY HH:MM:SS).
Dashboard Indicator
"As a freelancer, I want to see at a glance whether FlexPause is active and what my threshold is so that I can make informed decisions without digging into settings."
Description

Add a prominent visual indicator on the main dashboard displaying the current FlexPause state, the active threshold level, and the time since the last state change. This widget must update in real time and provide tooltip details for quick context.

Acceptance Criteria
Initial FlexPause State Display
Given the user loads the dashboard When FlexPause Mode is in a specific state Then the widget displays the current state as 'Active' or 'Paused' prominently on the main dashboard
Active Threshold Level Display
Given the user has set a threshold When the dashboard is viewed Then the widget shows the active threshold level (e.g., 'Pause below $1,000') matching the user’s settings
Real-Time State Update
Given the buffer level crosses the defined threshold When the buffer dips below or rises above the threshold Then the widget updates the FlexPause state on the dashboard within 5 seconds without a page refresh
Time Since Last State Change Display
Given a state change occurs When the dashboard is viewed Then the widget displays "Last changed: X hours/minutes ago" and updates this text every minute
Tooltip Details on Hover
Given the user hovers over the FlexPause widget When the tooltip appears Then it provides detailed context including current state, active threshold level, exact timestamp of last state change in 'YYYY-MM-DD HH:MM:SS' format
Activity Logging
"As a finance manager, I want a complete log of all FlexPause activities so that I can audit changes and maintain regulatory compliance."
Description

Record all FlexPause-related actions—pauses, resumes, threshold changes—in a secure audit log. Each log entry should capture user ID, timestamp, action type, and pre/post values. Provide an API endpoint for retrieving logs and integrate with existing compliance reports.

Acceptance Criteria
FlexPause Pause Action Logging
Given a user clicks 'Pause FlexPause' When the action succeeds Then an audit log entry is created capturing user ID, timestamp, action type 'Pause', and pre/post buffer values
Automatic FlexPause Resume Logging
Given buffer falls below threshold When FlexPause auto-resumes Then an audit log entry is recorded with user ID, timestamp, action type 'Resume', and pre/post buffer values
Threshold Update Logging
Given a user updates the FlexPause threshold When the update is confirmed Then an audit log entry is created capturing user ID, timestamp, action type 'Threshold Change', previous threshold, and new threshold values
Audit Log Retrieval via API
Given a valid API request with filters for date range and action type When the request is authenticated Then the endpoint returns a paginated list of log entries matching filters, including user ID, timestamp, action type, and value changes
Compliance Report Integration
Given compliance reports are generated weekly When logs are integrated Then the report includes all FlexPause-related log entries for the period, grouped by action type and user

Top-Up Notifications & Insights

Receive real-time notifications whenever an auto-advance is initiated or fails, accompanied by detailed analytics on each event. Review performance metrics and adjust settings to optimize your buffer maintenance strategy.

Requirements

Real-Time Auto-Advance Notification
"As a freelancer, I want to receive an instant notification when my unpaid invoice funds are auto-advanced so that I can stay updated on my cash flow without manually checking the dashboard."
Description

Implement instant push and in-app notifications that inform users immediately when an auto-advance is initiated successfully, including key details such as amount advanced, timestamp, and invoice reference. This feature ensures users remain aware of fund movements in real time and builds trust through transparency.

Acceptance Criteria
Successful Auto-Advance Push Notification Received
Given a user has an unpaid invoice and auto-advance is triggered successfully, When the payment is approved by the financing service, Then the user receives a push notification within 5 seconds containing the amount advanced, timestamp, and invoice reference
Failed Auto-Advance Notification Delivery
Given an auto-advance attempt fails due to insufficient funds or API error, When the failure is detected, Then the user receives an error notification within 5 seconds detailing the error reason, timestamp, and invoice reference
User Updates Notification Preferences
Given a user opts in or out of auto-advance notifications in settings, When the preference is saved, Then no further notifications are sent (if opted out) or notifications resume (if opted in), and the user sees a confirmation message
Accessing Notification History in Dashboard
Given a user navigates to the notifications center, When there are auto-advance events, Then each event is displayed with amount, timestamp, invoice reference, and status, sorted in reverse chronological order
High-Volume Notification Handling
Given 100 auto-advance events occur within one minute, When the system dispatches notifications, Then at least 99% of notifications are delivered to the device within 10 seconds without duplication and any failures are logged for retry
Auto-Advance Failure Alert
"As a microbusiness owner, I want to be alerted when an auto-advance fails so that I can address payment issues immediately and avoid unexpected cash flow gaps."
Description

Develop a notification mechanism that triggers alerts whenever an auto-advance attempt fails, providing error codes, failure reasons, and suggested next steps. This requirement is critical to help users react promptly, troubleshoot issues, and maintain financial stability.

Acceptance Criteria
Failed Auto-Advance Due to Insufficient Funds
Given the user’s account balance is below the auto-advance threshold, When an auto-advance attempt is made, Then the user receives a notification within 60 seconds that includes the error code 'INSF_FUNDS', a clear message 'Insufficient funds for auto-advance', and suggested next steps 'Add funds manually or adjust your auto-advance settings'.
Failed Auto-Advance Due to Payment Gateway Timeout
Given the payment gateway does not respond within 30 seconds during an auto-advance attempt, When the system times out, Then the user is notified with error code 'TIMEOUT', a message 'Auto-advance failed due to network timeout', and suggestions 'Check your connection or try again later'.
Failed Auto-Advance Due to Invalid Payment Account Details
Given the user’s linked payment account details are incorrect or expired, When an auto-advance is initiated, Then the user receives an alert with error code 'INVALID_ACCOUNT', a message 'Payment account details invalid', and guidance 'Update your account details in settings'.
Multiple Consecutive Auto-Advance Failures
Given two or more auto-advance attempts fail within a 24-hour period, When the second failure occurs, Then the user receives a summary notification highlighting all failure reasons, respective error codes, and a recommendation 'Contact support for assistance'.
User Receives Failure Alert in Dashboard and Email
Given an auto-advance failure event occurs, When the alert is triggered, Then the failure details (error code, reason, suggested steps) appear in the notifications center on the dashboard in real-time and an email with the same content is sent within 5 minutes.
Detailed Advance Analytics
"As a user, I want to view comprehensive analytics on my auto-advances so that I can understand trends and improve my cash flow management."
Description

Integrate a metrics dashboard that aggregates auto-advance performance data, including success rates, average advance amounts, frequency trends, and time-to-complete statistics. This analytics view empowers users to evaluate the effectiveness of their buffer strategy and identify optimization opportunities.

Acceptance Criteria
Key Metrics Display on Dashboard
Given the user navigates to the analytics dashboard When auto-advance events exist Then the dashboard displays total advances, successful advances count, failed advances count, average advance amount, and overall success rate
Time-to-Complete Statistics Chart Generation
Given the user selects the time-to-complete metric When the dashboard loads Then a distribution chart is rendered showing correct time intervals between initiation and completion for each advance event
Average Advance Amount Calculation
Given valid auto-advance event data within the selected period When viewing the average advance amount widget Then the system calculates and displays the correct arithmetic mean of all advance amounts
Frequency Trend Analysis
Given the user applies a date range filter When the filter is submitted Then the trend graph updates to show the correct number of auto-advances per day, week, or month within that range
Success Rate Percentage Update
Given historical auto-advance events When the dashboard is accessed or new events occur Then the success rate percentage is accurately calculated as (successful advances ÷ total advances)×100 and rounded to two decimal places
Customizable Notification Preferences
"As a user, I want to customize which auto-advance notifications I receive and how I receive them so that I only get relevant alerts in my preferred channels."
Description

Provide a settings interface allowing users to tailor notification types, channels (email, SMS, push), and frequency thresholds for auto-advance events. Customization ensures notifications align with each user’s workflow and reduces alert fatigue.

Acceptance Criteria
Configure Email Notifications for Auto-Advance Initiation
Given the user has selected Email as the notification channel for auto-advance initiation When an auto-advance is successfully initiated Then an email is sent to the user’s registered email address within 1 minute containing the amount advanced, date, and transaction ID And the notification appears in the dashboard notification center
Configure SMS Notifications for Auto-Advance Failure
Given the user has enabled SMS as the notification channel for auto-advance failures When an auto-advance attempt fails due to insufficient buffer or other error Then an SMS is sent to the user’s registered phone number within 1 minute containing the error code, failure reason, and recommended next steps
Configure Push Notifications for Low Buffer Forecast
Given the user has set a buffer threshold in their notification preferences and enabled Push notifications When the system forecasts the user’s buffer will drop below the threshold within the next 24 hours Then a push notification is delivered to the user’s mobile app with the forecasted shortfall amount and date
Adjust Notification Frequency
Given the user has specified a minimum interval (e.g., 3 days) between identical notifications When multiple auto-advance events occur within the specified interval Then only the first event triggers a notification and subsequent identical notifications are suppressed until the interval has elapsed
Opt-Out Specific Notification Types
Given the user has opted out of a specific notification type (e.g., push notifications for failures) When an auto-advance failure occurs Then no push notification is sent And notifications for the same event are still delivered via any other channels the user has enabled
Notification History & Reporting
"As a freelancer, I want to access a history of all my auto-advance notifications and export them so that I can maintain financial records and generate reports for accounting purposes."
Description

Build a log view that stores all sent notifications and related event details, searchable by date range, invoice number, or notification type. Include export functionality for CSV and PDF to support record-keeping and audit requirements.

Acceptance Criteria
Filter Notifications by Date Range
Given the user is on the Notification History page, When the user selects a start date of "2025-01-01" and an end date of "2025-01-31" and applies the filter, Then the system displays all notifications sent between January 1 and January 31, 2025.
Search Notifications by Invoice Number
Given the user is on the Notification History page, When the user enters invoice number "INV-12345" into the search field and submits, Then the system displays only notifications related to invoice "INV-12345".
Filter Notifications by Notification Type
Given the user is on the Notification History page, When the user selects the notification type "Auto-Advance Failed" from the type dropdown and applies the filter, Then the system displays only notifications of type "Auto-Advance Failed".
Export Notification History as CSV
Given the user has applied filters and/or search parameters, When the user clicks the "Export CSV" button, Then the system generates and downloads a CSV file containing the currently displayed notification records in correct CSV format.
Export Notification History as PDF
Given the user has applied filters and/or search parameters, When the user clicks the "Export PDF" button, Then the system generates and downloads a PDF file containing the currently displayed notification records formatted to fit A4 size.

ForecastFusion

Aggregates and visualizes cash flow forecasts from all team members into a unified timeline, highlighting collective financial health and pinpointing team-level cash gaps before they occur. Empowers managers and members to align resource planning and proactively address shortfalls together.

Requirements

Unified Timeline View
"As a finance manager, I want a single timeline view of all team members’ cash flow forecasts so that I can quickly assess collective financial health and identify potential shortfalls."
Description

Design and implement a consolidated timeline interface that visualizes cash flow forecasts across all team members. This view should allow managers to see individual and aggregated projections in a single, interactive chart, with filters for date ranges, teams, and forecast metrics. The interface must seamlessly integrate with existing dashboards, pulling data from member inputs and financial records to provide an accurate, real-time overview of future cash positions.

Acceptance Criteria
Aggregated Cash Flow Visualization
Given a manager accesses the Unified Timeline View, When the dashboard loads, Then the system displays individual and aggregated cash flow projections for all team members in a single interactive chart.
Date Range Filtering
Given the Unified Timeline View is displayed, When the manager selects a custom date range, Then the chart updates to display forecasts only within the selected range.
Team and Metric Filtering
Given the Unified Timeline View is displayed, When the manager applies team and metric filters, Then the chart dynamically updates to show only the selected teams and forecast metrics.
Individual Drill-Down Analysis
Given a manager views the aggregated chart, When the manager clicks on a specific team member’s projection, Then the system expands to show that member's detailed cash flow timeline.
Real-Time Data Synchronization
Given member inputs or financial records are updated, When new forecast data is available, Then the Unified Timeline View automatically refreshes within 5 seconds to reflect the latest data without manual reload.
Member-Level Forecast Inputs
"As a team member, I want to enter my own cash flow projections so that the collective forecast accurately reflects my anticipated revenue and expenses."
Description

Create an input mechanism for individual team members to submit or update their personal cash flow forecasts directly within the ForecastFusion module. This requirement includes form validation, data validation rules, and an intuitive UI for adding projected income and expenses. Inputs should automatically sync with the unified timeline and adhere to permission settings to ensure data security and accuracy.

Acceptance Criteria
New Forecast Entry
Given a logged-in team member on the ForecastFusion input form, when they enter valid projected income and expense values into all required fields and click Save, then the system stores the entry in the database, displays a success message, and clears the form for a new entry.
Forecast Update
Given a team member views their existing forecast entry, when they modify any income or expense value and click Update, then the system overwrites the previous data with the new values, logs the edit timestamp, and displays an update confirmation.
Invalid Input Error Handling
Given a team member submits the form with missing or non-numeric values in required fields, when they click Save, then the system highlights each invalid field in red, displays an inline error message specifying the issue, and prevents form submission.
Permission Restriction
Given a team member attempts to access or edit another member’s forecast entry, when they select the entry, then the Edit button is disabled, an access denied notification is shown, and no data is editable.
Auto-Sync to Unified Timeline
Given a team member saves or updates a forecast entry, when the operation completes successfully, then the new or updated data appears in the unified timeline within 5 seconds without a manual page refresh.
Real-Time Data Sync
"As a project coordinator, I want all forecast updates to sync instantly so that the unified dashboard always shows the latest information without delays."
Description

Implement a backend service and API integration that synchronizes forecast data in real time between ForecastFusion and the main CashPulse platform. This service must handle concurrent updates, ensure data consistency, and provide low-latency propagation of new forecast entries. It should also support rollback and conflict resolution policies to maintain data integrity.

Acceptance Criteria
Single Forecast Entry Synchronization
Given a new forecast entry is created in ForecastFusion When the entry is saved Then the entry appears in the CashPulse forecast dashboard within 2 seconds with identical data
Concurrent Forecast Updates
Given two team members update the same forecast line within 5 seconds When both updates are submitted Then the system applies updates in the order received and records version metadata for audit
Error-triggered Rollback
Given a sync failure occurs during update When the backend service detects the error Then the system rolls back the partial update on both ForecastFusion and CashPulse within 1 second and logs the rollback event
Conflict Resolution Policy Enforcement
Given conflicting updates for the same forecast entry When a version conflict is detected Then the system applies the latest-timestamp-wins policy and notifies both users of the override
Low-Latency Data Propagation
Given any forecast update from any source When processed by the sync service Then all connected clients receive the update within an average latency of 500ms under normal load conditions
Cash Gap Alert System
"As a manager, I want to receive alerts when our projected cash flow falls below a set threshold so that I can take proactive steps to address funding gaps."
Description

Develop an automated alert system that monitors the aggregated forecast for potential cash shortfalls. Alerts should trigger notifications via email, in-app banners, and Slack integration when projected cash dips below predefined thresholds. The system must allow managers to configure threshold levels and notification channels for different teams or projects.

Acceptance Criteria
Manager Configures Alert Preferences
Given a manager accesses the Cash Gap Alert settings When they set a cash shortfall threshold and choose email, in-app, and Slack channels And they save their preferences Then the system persists the configuration and displays a confirmation message
Threshold Breach Notification Trigger
Given the aggregated forecast drops below the configured threshold for a project When the system runs its periodic cash flow evaluation Then an alert event is queued for all configured notification channels for that project
Slack Notification Delivery
Given an alert event is queued for Slack When the Slack integration is active and valid credentials are available Then the system posts a message in the designated Slack channel containing project name, projected shortfall amount, and alert timestamp
In-App Banner Alert Display
Given a user with access to a project opens the ForecastFusion dashboard When there is an active cash gap alert for that project Then an in-app banner appears at the top of the dashboard with the project name, shortfall amount, and link to threshold settings
Email Notification Content
Given an alert event is queued for email When the email is generated and sent to the configured recipients Then the email subject and body include the project name, threshold level, actual forecasted amount, shortfall gap, and a link to adjust alert settings
Collaboration Console
"As a team member, I want to discuss and comment on forecast entries with my colleagues so that we can coordinate resource planning and resolve discrepancies together."
Description

Build a collaboration console within ForecastFusion where team members and managers can discuss forecast entries, post comments, and tag relevant stakeholders. The console should support threaded discussions, file attachments, and action item assignments. It must link conversation threads to specific timeline points or forecast entries for context.

Acceptance Criteria
Initiate Threaded Discussion on Forecast Entry
Given a user views a forecast entry, when they click “Add Discussion,” then a new threaded discussion is created and clearly linked to that specific entry and appears in the Collaboration Console.
Attach Files to Conversation Threads
Given a user posts a comment in a discussion thread, when they select “Attach File” and upload a document, then the file is successfully uploaded, displayed within the thread, and downloadable by all participants.
Assign Action Items from Discussion
Given a conversation thread contains a task discussion, when a user selects “Assign Action Item,” then they can assign the task to a team member with a due date, and the action item appears in that member’s task list.
Tag Relevant Stakeholders in Discussion
Given a user composes a comment, when they type “@” and select a stakeholder, then the tagged stakeholder receives a notification and the tag is highlighted in the thread.
View Discussion Linked to Timeline Points
Given a manager reviews the unified forecast timeline, when they click on a discussion marker at a timeline point, then the linked conversation thread opens and displays the relevant discussion context.

AdvanceAllocator

Automatically divides pooled invoice advances among team members based on customizable rules—such as percentage shares, project priorities, or urgent needs—ensuring fair, transparent funding allocation and saving time on manual distribution.

Requirements

Dynamic Allocation Rule Engine
"As a finance manager, I want the system to automatically divide available advance funds based on predefined rules so that each team member receives their fair share without manual calculation."
Description

Develop a backend engine that evaluates and applies customizable allocation rules—such as percentage shares, project priorities, and urgent need flags—to automatically distribute pooled invoice advances among team members. This engine must support multiple rule types, handle rule conflicts, recalculate allocations in near real time, and integrate seamlessly with the CashPulse data model for invoices, teams, and user profiles.

Acceptance Criteria
Percentage-Based Allocation Enforcement
Given a pooled advance of $1,000 and team members A, B, C with shares of 50%, 30%, and 20%, when the engine processes the advance, then A receives $500, B receives $300, and C receives $200.
Priority-Based Allocation for High-Priority Projects
Given three projects with priority levels High, Medium, and Low and a total advance of $600, when allocation is executed, then 50% of funds go to the High-priority project, 30% to Medium, and 20% to Low.
Urgent Need Flag Overrides Standard Rules
Given team member D flagged as urgent need and equal percentage shares assigned, when processing, then D receives at least 80% of the total advance and the remaining 20% is distributed according to original percentage rules.
Conflict Resolution Between Competing Rules
Given conflicting rules for percentage share and project priority for team member E, when the engine detects the conflict, then it applies the rule with higher precedence and logs the decision in the audit trail.
Real-Time Recalculation After Invoice Updates
Given an initial advance of $800 allocated and a new invoice advance of $200 added, when recalculation occurs within 2 seconds, then allocations adjust proportionally without restarting the service and the dashboard reflects updated amounts.
Custom Rule Builder Interface
"As an administrator, I want to build and adjust allocation rules through a simple interface so that I can tailor fund distribution to my team’s evolving needs."
Description

Create an intuitive UI component within the CashPulse dashboard that allows administrators to define, edit, and prioritize allocation rules. Users should be able to select rule types (percentage-based, priority-based, manual override), set parameters (percentage values, project tags, urgency levels), and test rules against sample data before activation. All changes must be versioned and auditable.

Acceptance Criteria
Define Percentage-Based Allocation Rule
Given the administrator is on the Custom Rule Builder Interface When the administrator selects "Percentage-Based" rule type, enters valid percentage values that sum to 100%, assigns a rule name, and clicks Save Then the new rule appears in the rule list with correct percentage parameters, status set to Active, and version number incremented
Edit Priority-Based Allocation Rule
Given an existing priority-based rule is listed in the Custom Rule Builder Interface When the administrator selects the rule, updates priority levels or project tags, and clicks Save Then the updated rule parameters are reflected in the rule list, the previous version is archived, and the version history shows the change
Apply Manual Override Rule
Given the administrator needs to adjust allocation for an urgent project When the administrator selects "Manual Override" rule type, specifies override amounts for team members, and clicks Activate Then the override rule takes effect immediately, is listed at the top of the rule priority table, and existing allocations adjust accordingly
Test Rule Against Sample Data
Given the administrator has defined or edited any rule When the administrator selects the rule and clicks "Test Against Sample Data" Then a simulation runs against the provided sample data set, displays expected allocation results, and shows success if allocations match rule parameters
Audit Version History of Rule Changes
Given the administrator views the Custom Rule Builder Interface When the administrator opens the version history for a specific rule Then the interface displays a chronological list of all changes with timestamps, author names, and change descriptions
Real-Time Allocation Adjustment
"As a team leader, I want to see updated allocation figures immediately after changing a rule so that I can confirm the distribution before funds are released."
Description

Implement front-end and back-end capabilities to recalculate and display allocations instantly when invoice advances change or rules are updated. The dashboard should reflect new distributions without page reloads, using WebSocket or similar push technologies. This ensures finance teams always see up-to-date allocations and can intervene before disbursement if needed.

Acceptance Criteria
Real-Time Update on New Invoice Advance
Given a new invoice advance is processed, when the advance amount changes, then the allocation distribution recalculates and the dashboard displays updated allocations within 2 seconds without requiring a page reload.
Instant Reallocation upon Rule Change
Given a finance user modifies allocation rules (percentage shares, project priorities, urgent flags), when the rules are saved, then allocations recalculate and the dashboard reflects the new distribution in real time.
Automatic Resync after Network Interruption
Given the user’s connection is temporarily lost, when connectivity is restored, then the dashboard automatically resynchronizes allocations to match the latest server state within 5 seconds.
Pause and Review before Disbursement
Given updated allocations are displayed, when a finance team member clicks “Review Allocations,” then automatic disbursement is paused and the current allocation details are presented for manual intervention.
Concurrent Updates Handling
Given multiple rule changes or invoice advance updates occur concurrently, when the system receives them, then it processes each update in order received, resolves conflicts, and displays the final consolidated allocation correctly.
Allocation Audit Trail and Reporting
"As an auditor, I want a complete log of all allocation activities so that I can verify fairness and trace any discrepancies."
Description

Build a reporting module that logs every allocation decision, rule change, and manual override with timestamp, user ID, and rationale. Provide downloadable reports (CSV/PDF) and a dashboard view to filter by date, team member, project, or rule. This feature ensures full transparency and supports compliance and retrospective analysis.

Acceptance Criteria
Recording Allocation Events
Given an invoice allocation is made by the system When the AdvanceAllocator applies distribution rules Then an audit trail entry is created with allocation ID, team member IDs, amounts, current timestamp, system user, and rationale 'Auto allocation'
Logging Manual Overrides
Given a finance manager manually adjusts an allocation When the override is saved Then the audit log records original amount, new amount, user ID, timestamp, and user-entered rationale
Capturing Rule Changes
Given an admin updates allocation rules (e.g., percentage shares) When the rule change is committed Then the audit log captures rule ID, previous parameters, updated parameters, user ID, timestamp, and change rationale
Filtering Audit Logs in Dashboard
Given an authorized user views the audit dashboard When the user filters by date range, team member, project, or rule Then only matching log entries are displayed within 2 seconds
Exporting Reports
Given an authorized user selects CSV or PDF export When the user exports the audit logs Then the system generates a downloadable file containing all filtered entries, including headers for allocation_id, event_type, user_id, timestamp, and rationale
Notification and Alert System
"As a project manager, I want to receive alerts when allocations exceed thresholds or require my review so that I can address funding issues promptly."
Description

Design and integrate a notification service that alerts designated stakeholders via email, in-app notifications, or Slack when allocations change significantly, rules fail to apply, or manual review is required (e.g., when a threshold override occurs). Include customizable alert thresholds and delivery channels in user settings.

Acceptance Criteria
Email Alert for Significant Allocation Change
Given a team member’s allocation share changes by more than the user-defined threshold, When the allocation update is processed, Then an email notification with details of the old and new allocation amounts is sent to all designated stakeholders within 5 minutes.
In-App Alert When Allocation Rules Fail
Given the system fails to apply a defined allocation rule due to missing inputs or conflicts, When the allocation process completes, Then an in-app notification is displayed to the appropriate admin user with a description of the failed rule and suggested actions.
Slack Notification for Threshold Overrides Requiring Manual Review
Given an allocation override exceeds the manual review threshold, When the override is executed, Then a formatted Slack message containing override details, user comments, and a review link is posted to the configured Slack channel.
User Can Set Custom Alert Thresholds
Given a user navigates to notification settings, When they input and save a new percentage or absolute value threshold for allocation change alerts, Then the system persists the threshold and applies it to all subsequent allocation events.
Respect User-Defined Delivery Channels
Given a user has selected only email and Slack as notification channels in their profile, When an allocation event triggers an alert, Then notifications are sent only via email and Slack and no in-app alerts are generated.

VaultLink

Creates a shared cash vault that holds collective advance funds, allowing team members to draw from or contribute to a common pool. Simplifies fund management, reduces delays in individual advances, and fosters financial collaboration across the team.

Requirements

Vault Creation and Configuration
"As a team leader, I want to create a shared cash vault with customized settings so that I can manage collective funds for my team's advances."
Description

Administrators can create a shared cash vault by specifying vault name, currency, initial fund allocation, and member permissions, seamlessly integrating with CashPulse’s ecosystem to reflect collective funds on user dashboards.

Acceptance Criteria
Vault Name Validation
Given the administrator enters a unique, non-empty vault name, When they submit the form, Then the system accepts the name and proceeds with vault creation; Given the vault name field is blank or duplicates an existing vault, When they submit the form, Then the system displays an error message preventing creation.
Currency Selection Integration
Given the administrator selects a currency from the supported list, When the vault is created, Then the selected currency is assigned to the vault and reflected accurately in all related transactions and dashboards.
Initial Fund Allocation
Given the administrator inputs an initial fund amount within their account limits, When the vault is created, Then the system deducts the specified amount from the administrator’s balance and displays the allocated funds in the vault.
Member Permissions Assignment
Given the administrator defines roles and permissions (view, draw, contribute) for team members, When the vault is created, Then the designated members have only the assigned access levels and unauthorized actions are blocked.
Dashboard Display of Collective Funds
Given a shared vault exists, When a team member views their CashPulse dashboard, Then the shared vault’s current balance is displayed under 'Shared Vaults' and updates in real time.
Role-Based Access Control
"As a team leader, I want to assign roles and permissions for the vault so that team members have appropriate access based on their responsibilities."
Description

The system supports granular permission levels—Admin, Contributor, and Viewer—allowing precise control over who can deposit, withdraw, or view vault activities to ensure security and proper governance.

Acceptance Criteria
Admin Role Deposit Permission
Given an Admin user is authenticated, When they attempt to deposit funds into the shared vault, Then the system accepts the deposit, updates the vault balance accordingly, and records the transaction with the Admin’s ID.
Contributor Role Withdrawal Permission
Given a Contributor user has available advance funds in the vault, When they request a withdrawal within their individual limit, Then the system approves the withdrawal, deducts the amount from the vault balance, and logs the transaction under the Contributor’s account.
Viewer Role Access Restriction
Given a Viewer user is on the vault dashboard, When they attempt to initiate a deposit or withdrawal, Then the system denies the action and displays a ‘Permission Denied’ message.
Audit Log Verification
Given any user (Admin, Contributor, or Viewer) performs a vault transaction, When the transaction completes, Then the system logs the action with user ID, role, timestamp, and transaction details, and the log is retrievable by Admins.
Role Assignment Enforcement
Given an Admin assigns roles in the team management module, When they assign Admin, Contributor, or Viewer roles to users, Then the system updates permissions immediately and enforces the new roles for all subsequent vault operations.
Contribution and Withdrawal Management
"As a team member, I want to deposit my advance funds into the vault or withdraw from it so that I can manage my cash flow collaboratively."
Description

Team members can deposit their advance funds into the vault and request withdrawals up to the available balance; transactions are validated in real time, with balances updated and receipts issued for transparency.

Acceptance Criteria
Vault Deposit Initiation
Given a team member is on the VaultLink dashboard with a valid funding source, when they enter a deposit amount and confirm, then the system validates the funding source, processes the deposit, and displays the updated vault balance along with a success message.
Real-Time Balance Update
Given a completed deposit or withdrawal transaction, when the transaction is processed, then all active users see the updated vault balance reflected instantly without needing to refresh the page.
Withdrawal Request Within Available Balance
Given a team member views the current vault balance, when they request a withdrawal amount less than or equal to the available balance, then the system approves the request, deducts the amount from the vault, and displays the new balance.
Transaction Receipt Issuance
Given a deposit or withdrawal has been successfully processed, when the transaction is finalized, then the system generates a receipt containing transaction ID, type, amount, timestamp, and user details, and makes it available for download or email.
Concurrent Transaction Handling
Given multiple team members submit deposit or withdrawal requests at the same time, when the system processes these requests, then transactions are handled atomically, ensuring the final vault balance accurately reflects all processed transactions without race conditions.
Real-Time Balance Updates and Forecasting
"As a team member, I want to see real-time vault balance and forecasted fund availability so that I can plan my cash flow and avoid running out of funds."
Description

Vault balance and individual allocations update instantly after each transaction, with forecasting algorithms projecting depletion dates and generating alerts when funds approach critical thresholds in the CashPulse dashboard.

Acceptance Criteria
Team Member Adds Funds to Vault
Given a user with deposit permissions, when they add funds to the shared vault, then the vault balance and the user's allocation must update on the dashboard within 2 seconds.
Team Member Withdraws Funds from Vault
Given a user with withdrawal permissions, when they draw funds from the vault, then the vault balance and the user's allocation must reflect the withdrawal immediately without allowing negative balances.
Forecast Depletion Date After Repeated Withdrawals
Given the current vault balance and historical withdrawal rates, when the forecasting algorithm runs, then it must calculate and display the correct depletion date on the dashboard.
Alert Generation When Balance Falls Below Threshold
Given an admin-defined critical threshold, when the vault balance drops below that threshold after a transaction, then the system must trigger an in-app alert and send an email notification within 1 minute.
Simultaneous Transactions Across Users
Given two or more users perform transactions at the same time, when both transactions complete, then the vault balance and individual allocations must reflect both transactions accurately without race conditions.
Notifications and Threshold Alerts
"As a team member, I want to receive notifications when funds are added or withdrawn and when the vault balance is low so that I stay informed about our shared finances."
Description

Configurable in-app and email notifications inform members when contributions are made, withdrawals are approved or declined, and when vault balance falls below set thresholds, ensuring timely awareness and action.

Acceptance Criteria
Low Vault Balance Alert
Given the vault balance falls below the configurable threshold, When the system detects the balance drop, Then an in-app notification and an email are sent to all team members within one minute.
Vault Contribution Notification
Given a team member successfully contributes funds to the vault, When the contribution is recorded, Then the system sends an in-app notification and an email to all team members containing contribution amount, contributor name, and updated vault balance within one minute.
Withdrawal Approval Notification
Given a team member’s withdrawal request is approved by an authorized approver, When the approval is logged, Then the system sends an in-app notification and an email to the requester and all team members within one minute, including withdrawal amount, approver name, and new vault balance.
Withdrawal Decline Notification
Given a team member’s withdrawal request is declined, When the decline decision is recorded with a reason, Then the system sends an in-app notification and an email to the requester within one minute, detailing the decline reason and next steps.
Notification Settings Management
Given a team member accesses notification settings, When they enable or disable in-app and email notifications or adjust threshold levels, Then the system saves the updated preferences and applies them immediately to all subsequent notifications.

SyncAlerts

Delivers synchronized, role-based notifications for low-pool balances, pending approvals, or high-risk exposures directly to relevant team members via preferred channels. Keeps everyone informed, speeds up decision-making, and prevents oversight in team cash management.

Requirements

Role-Based Alert Configuration
"As an administrator, I want to configure alerts by user role so that the right team members receive timely notifications without manual filtering."
Description

The system shall allow administrators to define and assign alerts based on user roles within the organization. Admins can create and manage role-based alert rules specifying which roles receive notifications for specific events (e.g., low-pool balances, pending approvals, high-risk exposures). This ensures alerts are targeted to relevant team members, reducing noise and improving response times.

Acceptance Criteria
Low Pool Balance Alert Assignment
Given an administrator sets a low-pool balance threshold of X and assigns the alert to role Y, when the account pool balance falls below X, then all users with role Y receive a notification within 2 minutes.
Pending Approval Notification Configuration
Given an administrator configures a pending approval alert for role Z, when an approval request enters the pending state, then all users with role Z receive the notification via their preferred channel within 5 minutes.
High-Risk Exposure Alert Setup
Given an administrator defines a high-risk exposure threshold of Y% and assigns the alert to role A, when a project’s exposure exceeds Y%, then all users with role A receive an immediate alert.
Role Change Alert Rule Update
Given a user’s role is updated from Role B to Role C, when the change is saved, then the user no longer receives alerts for Role B rules and begins receiving alerts for Role C rules within 1 minute.
Invalid Role Handling in Alert Configuration
Given an administrator attempts to assign an alert rule to a non-existent role, when they save the configuration, then the system displays a descriptive error message and prevents the rule from being saved.
Threshold-Based Alert Triggers
"As a finance manager, I want to set custom threshold alerts so that I get notified when cash pools or invoices deviate from my financial parameters."
Description

The system shall support configurable thresholds for key cash pool metrics (e.g., minimum balance, invoice aging days, risk exposure levels) and generate alerts when thresholds are crossed. Users can define and adjust threshold values per pool and per metric to align with their financial policies.

Acceptance Criteria
Minimum Balance Breach Alert
Given a cash pool with a configured minimum balance threshold of $X When the pool balance falls below $X Then an alert is sent to all designated users via their preferred notification channels within 5 minutes
Invoice Aging Threshold Notification
Given a set of outstanding invoices for a cash pool When any invoice’s aging exceeds the configured threshold of Y days Then an alert listing all invoices over Y days is dispatched to the pool manager
Risk Exposure Level Alert Delivery
Given a cash pool with a risk exposure threshold of Z% When the calculated risk exposure exceeds Z% Then a high-priority alert is generated and routed to the risk officer immediately
User Threshold Configuration Persistence
Given a user updates any threshold value for a cash pool When the user saves the new threshold Then the updated thresholds are persisted in the database and reflected in subsequent alert evaluations without error
Threshold Update Propagation
Given thresholds are modified for a cash pool When the system processes the next scheduled threshold check Then it uses the updated thresholds without requiring a system restart
Multi-Channel Notification Routing
"As a team member, I want to receive critical cash pool alerts via my preferred communication channels so that I can respond immediately wherever I am."
Description

The system shall deliver alerts via users’ preferred channels, including email, SMS, Slack, and in-app notifications. Users can select, prioritize, and manage channels for each alert type to ensure critical updates are received promptly regardless of location.

Acceptance Criteria
Email Priority Notification for Low-Pool Balance
Given a user has configured email as a high-priority channel When the pool balance falls below the defined threshold Then the system sends an email alert within 1 minute to the user's registered email address
SMS Alert for Pending Approval Escalation
Given a pending approval notification is escalated When the approval remains pending for longer than the SLA period Then the system sends an SMS alert to the user's mobile number and logs the delivery status
Slack Notification for High-Risk Exposure
Given a high-risk exposure event occurs When the user has integrated and authorized Slack as a notification channel Then the system posts a formatted message in the designated Slack channel within 2 minutes
In-App Notification Fallback Mechanism
Given the primary notification channels fail When the user fails to receive email, SMS, or Slack alerts Then the system displays an in-app notification and records the failure reason in the audit log
Channel Management Settings Update
Given a user updates notification channel preferences for an alert type When the user saves the new configuration Then the system validates the changes, persists them, and confirms successful update via the selected channels
Alert Escalation Workflow
"As an operations lead, I want alerts to escalate if not acknowledged so that high-risk issues are addressed without delay."
Description

The system shall support configurable escalation workflows for unacknowledged alerts, notifying next-level stakeholders after defined time intervals. Escalation rules include time delays, recipient hierarchy, and reminder frequencies to ensure no critical alert is missed.

Acceptance Criteria
Unacknowledged Alert Escalation Initiation
Given an alert for low-pool balance is unacknowledged for the first configured interval When the initial time delay expires Then the system escalates the alert to the next-level stakeholder via their preferred channel within one minute of delay expiration
Custom Escalation Time Delay Enforcement
Given an administrator configures escalation time delays of T1 and T2 minutes When the alert workflow is processed Then the system waits at least T1 minutes before first escalation and at least T2 minutes before second escalation, with a tolerance of ±1 minute
Recipient Hierarchy Functional Validation
Given a three-level recipient hierarchy is defined for unacknowledged alerts When the alert is not acknowledged at level 1 within the configured delay Then the system escalates to level 2, and if still unacknowledged after its delay, escalates to level 3 in the configured order
Reminder Frequency Compliance
Given a reminder frequency of X hours is set for unacknowledged alerts When the alert remains unacknowledged Then the system sends reminder notifications at intervals no greater than X hours until acknowledgment or final escalation
Multi-Channel Notification Verification
Given each stakeholder has a preferred notification channel configured (email, SMS, in-app) When an escalation is triggered Then the system delivers the notification through each stakeholder’s preferred channel and logs a delivery confirmation for each
Dashboard Alert Insights
"As a CFO, I want to see the history and current status of all alerts on a dashboard so that I can monitor team performance and cash management efficiency."
Description

The dashboard shall provide a consolidated view of recent alerts, their status (acknowledged, pending, escalated), and historical trends. Users can filter, sort, and view alert details as well as track resolution progress to analyze team responsiveness and cash management efficiency.

Acceptance Criteria
Viewing Consolidated Alert List
Given the user is on the dashboard with multiple recent alerts When the dashboard loads Then a consolidated list of alerts appears showing each alert’s status, type, and timestamp within 5 seconds of page load
Filtering and Sorting Alerts
Given the user is viewing the alert list When the user filters by status “Pending” and sorts by date descending Then only pending alerts are displayed in descending date order
Viewing Alert Details
Given the user selects an individual alert When the alert detail view opens Then the full message, origin role, timestamp, and any resolution notes are displayed
Tracking Resolution Progress
Given an alert has an escalated status When resolution tasks are created or completed Then the dashboard shows a real-time progress indicator reflecting percentage of tasks completed
Analyzing Historical Alert Trends
Given the user switches to the trends view When 30 days of alert data loads Then a chart displays daily counts of alerts by status with hover details for exact numbers

RoleMatrix

Enables granular permission settings and approval workflows for team actions—like initiating advances or modifying forecasts—by assigning roles with specific access rights. Ensures secure collaboration, maintains accountability, and streamlines governance within the TeamFlow Portal.

Requirements

Role Definition Management
"As an administrator, I want to define custom roles with tailored permissions so that users only access features relevant to their responsibilities."
Description

Provides administrators the ability to create, edit, and delete roles with specific permissions, ensuring precise control over team member capabilities within the TeamFlow Portal.

Acceptance Criteria
Creating a New Role
Given an administrator is on the Role Definition Management page When they enter a unique role name, select one or more permissions, and click 'Save' Then the system creates the role and displays it in the role list with the correct permissions
Editing an Existing Role
Given an administrator is viewing the role list When they select an existing role and update its name or permissions and click 'Update' Then the system saves the changes and reflects the updated name and permissions in the role list
Deleting a Role
Given an administrator is viewing the role list When they select a role marked deletable and confirm deletion Then the system removes the role from the list and revokes associated permissions
Assigning Permissions to a Role
Given an administrator is creating or editing a role When they select or deselect module-specific permissions using checkboxes Then the system accurately saves the permission set and enforces it for users assigned to that role
Validating Unique Role Names
Given an administrator attempts to create or rename a role When they enter a name that already exists and click 'Save' Then the system displays a validation error indicating the name must be unique and prevents saving
Granular Permission Assignment
"As a team manager, I want to assign specific permissions to roles so that team members can perform only the actions they’re authorized for."
Description

Enables the assignment of fine-grained permission settings to each role, allowing control over actions such as initiating advances, modifying forecasts, and managing team settings.

Acceptance Criteria
Assign 'Advance Initiator' Role to User
Given an admin is on the RoleMatrix page When they assign the 'Advance Initiator' role to user JohnDoe Then user JohnDoe can initiate advances and sees the 'Initiate Advance' option enabled
Assign 'Forecast Manager' Role to User
Given an admin is on the RoleMatrix page When they assign the 'Forecast Manager' role to user JaneSmith Then user JaneSmith can access and modify cash flow forecasts but cannot initiate advances or change team settings
Prevent Unauthorized Advance Initiation
Given a user without the 'Advance Initiator' role When they attempt to click 'Initiate Advance' Then the system displays an 'Access Denied' message and the request is blocked
Audit Trail for Permission Changes
Given any role assignment or modification action When the action is saved Then an audit log entry is created with the acting admin’s user ID, timestamp, role changed, and target user ID
Bulk Role Assignment to Multiple Users
Given an admin selects multiple users in the RoleMatrix interface When the admin assigns a role to the selection Then each selected user is granted the role and receives an in-app notification confirming the assignment
Multi-level Approval Workflow
"As a project leader, I want critical operations to go through a defined approval chain so that I can maintain oversight and accountability."
Description

Implements configurable multi-tier approval processes for sensitive actions, ensuring that operations like cash advances or forecast changes require appropriate sign-offs before execution.

Acceptance Criteria
Tiered approval for high-value cash advance
Given a cash advance request greater than $10,000 When the requester submits the request Then the system routes it to the Tier 1 approver and, upon Tier 1 approval, to the Tier 2 approver, and only disburses funds after both approvals are received.
Configurable role-based assignment of approval tiers
Given an administrator assigns roles to approvers and configures approval tiers When a forecast change request is submitted Then the system automatically identifies and notifies all approvers assigned to each configured tier based on their roles.
Delegation of approval when primary approver is unavailable
Given a primary approver is marked as out-of-office in the user settings When an approval request is routed to them Then the system automatically delegates the request to the designated backup approver within 5 minutes.
Admin modifies approval workflow configuration
Given a user with WorkflowAdmin role accesses the workflow settings When they add, remove, or reorder approval tiers and save changes Then the system updates the workflow configuration immediately and displays a confirmation message.
Audit trail captures approval history for requests
Given any approval action (approve, reject, or delegate) occurs When the action is completed Then the system logs the action with timestamp, user ID, action type, and comments, and makes it available in the audit dashboard filtered by request ID.
Permission Assignment Interface
"As an administrator, I want a clear interface to manage roles and permissions so that I can quickly update access rights without errors."
Description

Offers an intuitive user interface for administrators to assign and review permissions, visualize role hierarchies, and manage approval workflows seamlessly.

Acceptance Criteria
Assign New Role to Team Member
Given an administrator navigates to the Permission Assignment Interface When they select a team member and choose a role from the dropdown Then the system saves the new role and updates the member’s permissions list instantly
View Role Hierarchy
Given an administrator opens the role management view When they expand the hierarchy panel Then all parent and child roles are displayed in a tree structure with icons indicating inherited permissions
Edit Approval Workflow
Given an administrator modifies an approval workflow When they add, remove, or reorder approvers and save the changes Then the updated workflow is persisted and used for subsequent approval requests
Handle Invalid Permission Assignment
Given an administrator attempts to assign a permission that conflicts with existing role rules When they submit the assignment Then the interface displays a clear validation error and blocks the invalid change
Export Permissions Audit
Given an administrator clicks the export audit button When the request is processed Then a CSV file of current role assignments and permissions is downloaded within 5 seconds
Audit Trail and Reporting
"As a compliance officer, I want to review a complete history of permission and workflow changes so that I can ensure regulatory adherence and investigate incidents."
Description

Records all permission changes and approval events in a secure audit log, providing visibility into user actions and supporting compliance and troubleshooting.

Acceptance Criteria
Permission Change Logging
Given an admin changes a user's permission level, When the change is saved, Then an entry is recorded in the audit log capturing timestamp, actor ID, resource affected, previous permission, and new permission.
Approval Event Audit
Given a team member submits a funds advance request, When a manager approves or rejects it, Then the system logs an audit entry including request ID, approver ID, decision outcome, timestamp, and any comments provided.
Immutable Audit Entries
Given an existing audit log entry, When any user attempts to modify or delete it, Then the system denies the operation and returns an authorization error without altering the log.
Audit Log Retrieval
Given a compliance officer queries the audit log with date range and filters, When the query is executed, Then the system returns all matching entries sorted chronologically within two seconds.
Export Audit Reports
Given a user with export privileges selects a date range for audit data, When they initiate the export, Then the system generates and downloads a correctly formatted CSV file containing all entries within five seconds.
Role-Based Dashboard Access
"As a team member, I want to view only the data applicable to my role so that sensitive information is protected."
Description

Restricts dashboard views and data visibility based on role permissions, ensuring users see only relevant financial forecasts and team metrics.

Acceptance Criteria
Admin Access to Full Dashboard
Given an Admin user with full permissions When they access the dashboard Then they see all financial forecasts, cash flow data, and team metrics without restriction.
Forecast-Only Role Dashboard Visibility
Given a user with 'Forecast Viewer' role When they view the dashboard Then only forecast-related widgets and data are visible and all team performance metrics are hidden.
Metrics-Only Role Dashboard Visibility
Given a user with 'Metrics Viewer' role When they access the dashboard Then only team performance metrics are displayed and all financial forecasts and cash flow data are hidden.
Unauthorized Role Access Restriction
Given a user without dashboard permissions When they attempt to access the dashboard Then they are denied access and receive a 'Permission Denied' message.
Role Permission Change Reflection
Given a user's role permissions are updated to grant dashboard access When the user refreshes or next logs in Then the dashboard visibility reflects the updated permissions immediately.

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Press Coverage

Imagined press coverage for this groundbreaking product concept.

P

CashPulse Launches to End Freelancer Cash Flow Woes with Instant Invoice Advances

Imagined Press Article

SAN FRANCISCO, CA – 2025-07-18 – Today, CashPulse, the innovative fintech platform designed to give freelancers and microbusiness owners immediate access to unpaid invoice funds, officially launches its full suite of cash flow forecasting and on-demand advance tools. With growing interest in the gig economy and rising concerns about unpredictable payment schedules, CashPulse solves one of the most pressing challenges facing independent professionals: ensuring solvency and growth without waiting 30, 60, or even 90 days for invoice payments. As freelance work expands globally, many independent professionals find themselves juggling client projects while scrambling to cover operational expenses, payroll, and personal living costs. Traditional financing options—bank loans, credit cards, or personal lines of credit—are often slow, costly, or require onerous documentation. CashPulse cuts through these barriers by offering live forecasting dashboards that identify potential cash flow gaps before they occur and by providing instant invoice advances at transparent, competitive rates. “Freelancers are the backbone of today’s dynamic economy, but unpredictable payment cycles create constant stress,” said Jade Smith, CEO and founder of CashPulse. “We built CashPulse to empower independent professionals to plan confidently, avoid last-minute financial scrambles, and focus on what they do best—deliver outstanding work. Our live forecasting and one-tap advance features put control back in the user’s hands.” Key features of the CashPulse platform include: • Live Cash Flow Forecasting: An interactive dashboard projects upcoming inflows and outflows based on historical invoicing data and customizable buffer thresholds, alerting users before shortfalls arise. • One-Tap Invoice Advances: Instant access to up to 90% of unpaid invoice value in under 60 seconds, with real-time RateReveal transparency so users see all fees upfront. • SmartSelect Recommendations: AI-driven guidance recommends which invoices to advance to optimize funding decisions, factoring in invoice age, client risk score, and forecasted cash needs. • Multi-Channel Pulse Alerts: Users choose how they receive warnings—email, SMS, push notifications, or Slack—ensuring timely awareness on any device. • TeamGuard Share: For microbusinesses with small teams, low-cash alerts and forecast insights can be shared with designated collaborators or financial advisors to streamline decision-making. Early access users have already reported significant improvements in financial stability and operational agility. Solo graphic designer Bella Thompson, an early adopter, commented, “Before CashPulse, I was constantly worried about making payroll and covering software subscriptions between client payments. Now I can see exactly when cash will run low, advance the right invoices, and keep my business running smoothly without resorting to high-interest loans.” Another success story comes from Juggling Jack, a multi-discipline consultant who balances five side projects. “CashPulse’s SmartSelect feature is a game-changer,” Jack noted. “It recommends the best invoices to tap so I can maintain a steady buffer across all gigs. I spend less time worrying about money and more time delivering value to my clients.” CashPulse also emphasizes security and compliance. All data is encrypted in transit and at rest, and the platform integrates with leading accounting systems like QuickBooks and Xero for seamless reconciliation. The company has undergone rigorous third-party audits and maintains full compliance with relevant financial regulations. “As we grow, we remain committed to maintaining the highest standards of data security and regulatory adherence,” added Smith. “Our users entrust us with sensitive financial information, and we take that responsibility seriously.” To celebrate the official launch, CashPulse is offering zero-fee first advances to new users through August 31, 2025, and a complimentary 30-day trial of predictive forecasting features, including Smart Buffer Scheduler and PredictPay Forecast. Freelancers and microbusiness owners can sign up at www.cashpulse.com/start and begin using the platform within minutes. About CashPulse CashPulse is a fintech platform dedicated to helping freelancers and microbusiness owners eliminate cash flow uncertainty. Combining live forecasting, AI-driven recommendations, and instant invoice advances, CashPulse empowers users to stay solvent, plan for growth, and focus on their core work. Founded in 2024 and headquartered in San Francisco, CashPulse serves thousands of independent professionals around the world. Media Contact: Alex Rivera Head of Communications, CashPulse press@cashpulse.com (415) 555-0199

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CashPulse Unveils PredictPay Forecast to Anticipate Freelancer Payments and Prevent Cash Gaps

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SAN FRANCISCO, CA – 2025-07-18 – CashPulse today launched PredictPay Forecast, an AI-powered forecasting module within its cash flow management platform that predicts the timing and likelihood of upcoming invoice payments with unprecedented accuracy. By harnessing machine learning and historical client behaviors, PredictPay Forecast empowers freelancers and microbusiness owners to anticipate shortfalls days or weeks in advance, make informed funding decisions, and maintain optimal cash buffers without manual guesswork. Persistent payment delays have long plagued independent professionals, forcing many to rely on expensive credit lines or scramble for emergency funds. PredictPay Forecast analyzes millions of anonymized invoice transactions, applying advanced pattern recognition to identify payment trends at both the individual client and portfolio levels. Users receive a dynamic timeline of predicted cash inflows, risk-weighted probabilities of late payments, and proactive recommendations for when to initiate invoice advances or send payment reminders. “PredictPay Forecast represents a watershed moment for freelance finance,” said Priya Desai, Chief Technology Officer at CashPulse. “Instead of reacting to shortfalls after they occur, our users can now anticipate disruptions and take preventive action. This level of foresight was previously only accessible to large corporations with dedicated treasury functions—until now.” Highlights of PredictPay Forecast include: • Machine Learning–Driven Predictions: Leveraging neural networks trained on extensive invoice performance data, the tool predicts payment dates within a configurable confidence interval. • Risk-Adjusted Cash Inflow Timelines: Clients with higher probabilities of delayed payments are flagged, and users receive a consolidated portfolio forecast to view overall exposure. • ActionCue Recommendations: Each forecasted shortfall comes with personalized next steps—advance specific invoices with SmartSelect or send courteous, automated payment reminders via SmartReminder. • Integration with Alert Analytics: Historical forecast outcomes are captured and visualized in the Alert Analytics dashboard, enabling users to refine buffer thresholds and model sensitivity over time. • Seamless Setup: PredictPay Forecast plugs directly into existing CashPulse workflows and accounting integrations, requiring no additional data entry and minimal configuration. Early testers have lauded the new feature’s impact on their financial planning. “With PredictPay Forecast, I can see a 90% chance that two of my larger design invoices from Client X will arrive late by at least five days,” said freelance graphic designer Lucy Chen. “Armed with that insight, I scheduled an advance on one invoice and sent a gentle reminder on the other. It saved me from a potential cash crunch and kept my project timeline on track.” Risk-averse Planner Sofia Martinez also praised the module: “I’ve always had thorough buffer thresholds set, but until now I had to manually adjust them based on gut feel. Automating predictions means I can maintain lean buffers and avoid unnecessary advances, saving on fees.” In celebration of the launch, CashPulse is opening PredictPay Forecast to all existing customers at no extra charge through September 30, 2025. New users who sign up for CashPulse Standard or Pro plans before the end of August will receive complimentary access to the forecasting module for six months. “We designed PredictPay Forecast to democratize the kinds of predictive cash management tools that large enterprises use,” added Desai. “Freelancers deserve the same level of precision in forecasting so they can focus on growing their businesses with confidence.” About CashPulse CashPulse provides freelancers and microbusiness owners with live cash flow visibility, AI-driven insights, and instant invoice funding. Combining advanced forecasting modules like PredictPay Forecast with transparent RateReveal and one-tap advances, CashPulse empowers users to eliminate payment uncertainty and scale smartly. Headquartered in San Francisco, CashPulse is trusted by thousands of independent professionals worldwide. Media Contact: Alex Rivera Head of Communications, CashPulse press@cashpulse.com (415) 555-0199

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CashPulse Partners with Fintech Leader EuroPay to Expand Instant Funding for European Freelancers

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LONDON, UK – 2025-07-18 – CashPulse, the leading cash flow and invoice financing platform for freelancers and microbusiness owners, today announced a strategic partnership with EuroPay, Europe’s premier digital payments network. The collaboration aims to bring CashPulse’s instant invoice advance and forecasting tools to independent professionals across the European Union, leveraging EuroPay’s extensive payment rails and localized compliance frameworks. With freelancing on the rise in Europe—where more than 34 million people participate in independent work—the demand for flexible cash flow solutions has soared. Traditional financing avenues in many EU countries remain restricted, slow, or laden with bureaucratic hurdles. By integrating EuroPay’s payment infrastructure with CashPulse’s AI-driven forecasting and RateReveal transparency, the partnership promises seamless, compliant advances in local currencies and across regional banking systems. “Europe represents a massive addressable market of skilled freelancers and small businesses who currently face fragmented financing landscapes,” said Jade Smith, CEO and founder of CashPulse. “Our partnership with EuroPay will remove cross-border friction, accelerate access to funds, and empower independent professionals to manage and grow their operations with certainty.” Key elements of the CashPulse–EuroPay partnership include: • Local Currency Advances: Freelancers in the EU will be able to request advances denominated in euros, pounds, and other supported local currencies, eliminating exchange rate risk. • Rapid Settlement: Leveraging EuroPay’s real-time payment rails, approved advances will be deposited into user accounts within minutes, even across national borders. • Compliance & Data Security: Both firms adhere to stringent GDPR requirements. EuroPay’s KYC and AML protocols are integrated into CashPulse’s onboarding flow to ensure full regulatory compliance. • Joint Feature Roadmap: Future enhancements will include direct integration of CashPulse’s PredictPay Forecast into EuroPay merchant dashboards and a co-branded mobile app experience for streamlined access. • Educational Resources: A series of bilingual webinars and localized content—covering cash flow best practices, invoice management, and fintech adoption—will be co-produced to support independent professionals. “EuroPay is excited to team up with CashPulse to deliver groundbreaking cash flow solutions to the European freelance community,” said Marc Dubois, Chief Partnerships Officer at EuroPay. “Their forecasting accuracy and transparent advance fees, combined with our infrastructure, represent a compelling proposition for freelancers who need agility and certainty in their financial operations.” Early pilot programs conducted in Germany, France, and Spain demonstrated significant uptake and satisfaction. Freelance translator Clara Müller from Berlin shared her experience: “I often juggle projects in multiple currencies and clients across different countries. Thanks to CashPulse advances through EuroPay, I no longer worry about payment delays or currency fluctuations disrupting my workflow.” Financial analysts are also taking note. A recent report by Global Fintech Insights highlighted the collaboration as a prime example of cross-border fintech partnerships that deliver tangible value to small businesses and independent workers. To celebrate this launch, CashPulse and EuroPay are rolling out a special promotion: new European users who sign up before September 1, 2025, will receive zero-fee advances for their first invoice and free access to CashPulse Pro forecasting features for three months. About CashPulse CashPulse gives freelancers and microbusiness owners instant access to unpaid invoice funds and live cash flow forecasting to end payment uncertainty. Launched in 2025 in San Francisco, CashPulse serves independent professionals worldwide, offering transparent rates, AI-driven insights, and one-tap advances. About EuroPay EuroPay is Europe’s leading digital payments network, providing secure, real-time payment rails and compliance services for businesses and financial institutions. Headquartered in London with operations across the EU, EuroPay powers seamless transactions for millions of merchants and partners. Media Contact – CashPulse: Alex Rivera Head of Communications, CashPulse press@cashpulse.com +1 (415) 555-0199 Media Contact – EuroPay: Sophie Tremblay Director of Public Relations, EuroPay media@europay.com +44 20 7946 0998

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