# AGENT.md — PayWise

**Brand:** PayWise Limited
**Market:** Trinidad & Tobago / Caribbean
**Status:** CBTT-licensed digital payments platform
**Current phase:** Phase 1 — Fix the Leak (activation gap)

## Process Notes

- This brand follows the standard monthly cycle template with no deviations.
- Image gen SOPs are referenced from `docs/SOP_reference/` — never forked.
- All content must use the approved brand voice (see `CONTEXT.md` guardrails).
- The T&TEC/WASA agent commission rate ($0.50 per bill) must be stated in all agent-facing materials.
- Push notification/SMS infrastructure is a prerequisite dependency — not yet confirmed live.

## Credentials

- GPT-image-2 API key — Agent 4 only
- Anthropic API key — text generation agents (shared, standard scope)

## Reference Documents

- `PayWise_MasterStrategyDoc.html`
- `PayWise_marketing_brain.html`
- `01_knowledge_base/` — full research stack
- `02_brand_kit/` — visual identity, design sheets, logos