C
Cobalt· prepared for Dana Whitfield
Living scope record · Updated Jul 17, 2026
ReviewedVersion 5
01 · Are we on track?

On track.

You're about halfway through the build. 7 of the 14 deliverables are finished and 2 more are in active development.

2026
Kick off
Feb 12
v3 · Apr 24
v4 · Jun 5
Done7
In progress2
Blocked1
Not started4
v5 · Jul 17
50% built
50%
Engagement analytics
Next up
Slack digest for admins
Queued
02 · What’s new in v5 (since v4)
Savings goals built
Bill reminders built
SOC 2 logging scaffolding built
Spanish localization added to scope
Paycheck breakdown blocked
Spending insights now in progress
Employer admin console updated
03 · What’s next
Engagement analytics next up
Slack digest for admins queued
Audit logging queued
Spanish localization queued

The Cobalt build.

A financial-wellness app for employers: budgets, savings goals, and paycheck insights for employees, plus an admin benefits dashboard.

50%
Progress
7 built of 14 deliverables
50% of deliverables built
By deliverable
Done 7In progress 2Blocked 1Not started 43 added beyond original scope
✦What changed since the previous version
CompletedSavings goals — In progress→Done
CompletedBill reminders — In progress→Donebeyond original scope
CompletedSOC 2 logging scaffolding — In progress→Done

Deliverable breakdown

14 deliverables · 7 done
1.
Accounts & onboarding
3 deliverables
Employer onboarding flowCB-001
Guided setup for an employer to create their organization, configure benefit rules, and invite their team.
Done2 wks
Acceptance criteria3
✓Employer can create an org and set benefit rules
✓Team invited via email or CSV upload
✓Setup state persists across sessions
Employee SSO & invite acceptanceCB-002
Employees join via magic link or SSO and land in a ready-to-use account.
Done1 wk
Acceptance criteria2
✓Magic-link and SSO sign-in
✓Invite acceptance provisions the account
Bank account linking (Plaid)CB-003
Securely connect a bank account to power savings, budgets, and insights.
Done2 wks
Acceptance criteria3
✓Plaid Link connection flow
✓Linked accounts stored securely
✓Re-link and disconnect supported
2.
Core product
5 deliverables
Budget dashboardCB-004
An at-a-glance view of income, spending, and savings for the employee.
Done2 wks
Acceptance criteria3
✓Monthly income vs. spending summary
✓Category breakdown by merchant and type
✓Validated on mobile and desktop
Savings goalsCB-005
Create and track savings goals with optional automated contributions.
Done2 wks
Acceptance criteria3
✓Create a goal with a target and date
✓Progress tracked toward the target
✓Optional recurring contribution
Paycheck breakdownCB-006
Show employees a clear breakdown of each paycheck and its deductions.
Blocked1 wk
⚑Blocked, awaiting resolution
Acceptance criteria2
✓Gross-to-net breakdown per paycheck
✓Itemized deductions with plain-English labels
Spending insightsCB-007
Automated weekly insights that surface trends and flag overspending.
In progress2 wks
Acceptance criteria2
✓Weekly trend detection
✓Overspend alerts
Bill remindersCB-101Beyond scope
Reminders ahead of recurring bills. Requested by your team in week 12, not in the signed agreement.
Done1 wk
Acceptance criteria2
✓Detect recurring bills
✓Reminder before the due date
3.
Employer admin
3 deliverables
Employer admin consoleCB-008
Admins manage members, roles, benefit rules, and program settings.
In progress3 wks
Acceptance criteria2
✓Manage members and roles
✓Edit benefit contribution rules
Engagement analyticsCB-009
Program engagement metrics for the employer: adoption and active users.
Not started2 wks
Acceptance criteria2
✓Adoption and active-user metrics
✓Date-range filtering
Slack digest for adminsCB-102Beyond scope
A weekly engagement digest posted to the employer's Slack. New ask, beyond the original scope.
Not started
Acceptance criteria1
✓Weekly digest to a Slack channel
4.
Platform & compliance
3 deliverables
Audit loggingCB-010
A tamper-evident audit trail for sensitive actions across the platform.
Not started
Acceptance criteria1
✓Sensitive actions logged with actor and timestamp
SOC 2 logging scaffoldingCB-011
Baseline logging and controls scaffolding toward SOC 2 readiness.
Done2 wks
Acceptance criteria2
✓Centralized log pipeline
✓Access controls documented
Spanish localizationCB-103Beyond scope
A localized UI for Spanish-speaking employees. New ask, beyond the original scope.
Not started
Acceptance criteria1
✓Spanish locale across the core flows
Beyond original scope3added
01Bill remindersDone
02Slack digest for adminsNot started
03Spanish localizationNot started
→Work that wasn’t in the signed agreement, flagged here so it’s on the record for both of us.