iBilik Capital - System & Database Audit after Project 05
Audit date: 2026-08-18
Database: saibadns_icapital (16).sql
Reconstructed runtime baseline: full V1.0.3 + Projects 01-05 overlay

A. Static runtime integrity
- PHP files checked: 144
- PHP syntax failures: 0
- Hard-coded PHP route targets missing: 0
- Permission codes referenced by Access::require/can: 36
- Referenced permission codes missing from database: 0

B. Database compatibility
- Database tables: 125
- Tables statically/dynamically wired by current PHP: 95
- Tables without direct current runtime wiring: 30
- Project 05 schema migration required: NO

C. Projects 01-05 schema coverage
- Project 01 Deal Core: 7/7 required tables present | PASS
- Project 02 Product Terms: 5/5 required tables present | PASS
- Project 03 Formula Integration: 9/9 required tables present | PASS
- Project 04 Risk: 7/7 required tables present | PASS
- Project 05 Approval: 3/3 required tables present | PASS

D. Lifecycle status after Project 05
- Deal intake/master data: COMPLETE for v1 operational scope
- Product Terms: COMPLETE for P01-P04 current scope
- Formula x Deal: COMPLETE for current scenario/golden/compare workflow
- Underwriting & Risk: COMPLETE for current scoring/gate/stress/exception/watchlist scope
- Approval Workflow: COMPLETE for submission, sequential authority, maker-checker, final APPROVED snapshot
- Deal ACTIVE transition: intentionally NOT implemented until Project 06 disbursement

E. Remaining Projects 06-10
- Project 06 Disbursement & Collection: 3/6 key tables currently referenced; development remains required
- Project 07 Investor Repayment: 2/5 key tables currently referenced; development remains required
- Project 08 External Funder: 0/5 key tables currently referenced; development remains required
- Project 09 Forecast & Reporting: 0/4 key tables currently referenced; development remains required
- Project 10 Accounting / Final Integration: 8/8 key tables currently referenced; development remains required

F. Database tables currently not directly wired (includes reserved/legacy tables; not all are defects)
- arrears_ledger
- capital_liability_snapshots
- cash_accounts
- cash_balances
- commitments
- control_alerts
- disbursement_requests
- forecast_lines
- forecast_scenarios
- formula_reference_cells
- funder_repayment_schedule
- funder_repayments
- funders
- funding_drawdowns
- funding_facilities
- investor_contacts
- investor_principal_repayments
- investor_repayment_allocations
- investor_return_schedule
- pool_loan_schedule
- pool_transfers
- product_configurations
- report_access_log
- report_definitions
- revenue_reconciliations
- sensitivity_runs
- sensitivity_values
- source_use_allocations
- waterfall_adjustments
- waterfall_field_definitions

G. Key findings / release gate
- No PHP syntax error found in reconstructed current system.
- No broken hard-coded PHP page link found.
- No Access permission code used by PHP is missing from the current permission_catalog dump.
- Project 05 requires Approval Authority configuration through /deal/approval-authorities.php before the first Deal can be submitted.
- Current SQL dump contains no seeded approval_authorities rows; this is configuration data, not a schema defect.
- Do NOT start Project 06 until Project 05 deployment is verified with a real UNDERWRITING Deal end-to-end.
- Once final approval succeeds, the expected end state is Deal=APPROVED + deal_financial_snapshots row. ACTIVE remains reserved for Project 06.
