P4 — Money loops
AI back-office PRD phase 4: POC-3 standing reco + gated payments (one clean month), T05 client invoice A2 (D3), dunning drafts, cash report. — Closing: follow the QA-gated closure protocol in the PRD STATUS.md (verify acceptance evidence → flip STATUS → truth-pass docs → deprecation grep → fresh-reader smoke test) BEFORE closing this milestone.
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