Pocketful By Band

Pocketful is our entry for the Dark Factory hackathon, pocketful track. It is a wallet and payments service where people hold money, pay each other by handle, request money, split bills and settle up, and where money is never created, destroyed or spent twice, even with concurrent requests, retries and rounding. The factory. Five distinct coding-agent seats work together in one BAND Desktop room, running open-source models through Featherless and OpenCode: Coordinator splits each stage into scoped tasks and assigns work by @handle with the full task in every handoff. Architect designs the data model, invariants and concurrency plan before code is written. Implementer builds one scoped change at a time and commits it. Tester runs the checks independently and posts reproducible evidence. Reviewer judges the work against the written specification and sends weak work back with concrete fixes. The mandates are deliberately generic. They describe how a seat works (what it owns, how it hands off, when it rejects), not what is being built, so another team could point the same band at a different problem. FACTORY.md and the mandates folder describe how to stand it up. What it built. Four cumulative stage folders, each a complete service with its own Dockerfile and RUN.md, copied forward and extended so earlier behaviour is preserved: Stage 1: a JSON API with signup and login, payments, requests, splits and net settlements, idempotency keys on write paths, exact integer minor-unit arithmetic, and state export/import. Stage 2: a browser UI served by the same service (balance and pay, activity feed, requests and splits), plus holds and partial captures. Stage 3: payment corrections with revision history, as-of balance views and statements. Stage 4: refunds and batch corrections.