feat(rflows): add rMortgage sub-tab with trust-backed lending & DeFi reinvestment

Social mortgage lending tracker at /mortgage with pool overview, active
positions table, lender detail vessel visualization, borrower options
panel (monthly-budget-constrained with lender fill bars), live Aave v3
rates on Base, reinvestment tracker, and yield projection calculator.

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

modules/rflows/components/folk-flows-app.ts

@@ -11,7 +11,7 @@
  *   mode     — "demo" to use hardcoded demo data (no API)
  */
 
-import type { FlowNode, FunnelNodeData, OutcomeNodeData, OutcomePhase, SourceNodeData, PortDefinition, PortKind, OverflowAllocation, SpendingAllocation, SourceAllocation } from "../lib/types";
+import type { FlowNode, FunnelNodeData, OutcomeNodeData, OutcomePhase, SourceNodeData, PortDefinition, PortKind, OverflowAllocation, SpendingAllocation, SourceAllocation, MortgagePosition, ReinvestmentPosition } from "../lib/types";
 import { PORT_DEFS, deriveThresholds } from "../lib/types";
 import { TourEngine } from "../../../shared/tour-engine";
 import { computeInflowRates, computeSufficiencyState, computeSystemSufficiency, simulateTick } from "../lib/simulation";
@@ -41,7 +41,7 @@ interface Transaction {
 	description?: string;
 }
 
-type View = "landing" | "detail";
+type View = "landing" | "detail" | "mortgage";
 
 interface NodeAnalyticsStats {
 	totalInflow: number;
@@ -155,6 +155,19 @@ class FolkFlowsApp extends HTMLElement {
 	private flowManagerOpen = false;
 	private _lfcUnsub: (() => void) | null = null;
 
+	// Mortgage state
+	private mortgagePositions: MortgagePosition[] = [];
+	private reinvestmentPositions: ReinvestmentPosition[] = [];
+	private liveRates: { protocol: string; chain: string; asset: string; apy: number | null; error?: string; updatedAt: number }[] = [];
+	private selectedLenderId: string | null = null;
+	private projCalcAmount = 10000;
+	private projCalcMonths = 12;
+	private projCalcApy = 4.5;
+
+	// Borrower options state
+	private borrowerMonthlyBudget = 1500;
+	private borrowerOptionsVisible = false;
+
 	// Tour engine
 	private _tour!: TourEngine;
 	private static readonly TOUR_STEPS = [
@@ -187,8 +200,14 @@ class FolkFlowsApp extends HTMLElement {
 		new MutationObserver(() => this._syncTheme())
 			.observe(document.documentElement, { attributes: true, attributeFilter: ["data-theme"] });
 
-		// Canvas-first: always open in detail (canvas) view
+		// Read view attribute, default to canvas (detail) view
-		this.view = "detail";
+		const viewAttr = this.getAttribute("view");
+		this.view = viewAttr === "mortgage" ? "mortgage" : "detail";
+
+		if (this.view === "mortgage") {
+			this.loadMortgageData();
+			return;
+		}
 
 		if (this.isDemo) {
 			// Demo/anon: load from localStorage or demoNodes
@@ -586,6 +605,7 @@ class FolkFlowsApp extends HTMLElement {
 	}
 
 	private renderView(): string {
+		if (this.view === "mortgage") return this.renderMortgageTab();
 		if (this.view === "detail") return this.renderDetail();
 		return this.renderLanding();
 	}
@@ -5119,6 +5139,38 @@ class FolkFlowsApp extends HTMLElement {
 		// Create flow button (landing page, auth-gated)
 		const createBtn = this.shadow.querySelector('[data-action="create-flow"]');
 		createBtn?.addEventListener("click", () => this.handleCreateFlow());
+
+		// Mortgage tab listeners
+		if (this.view === "mortgage") {
+			this.shadow.querySelectorAll('.mortgage-row').forEach(row => {
+				row.addEventListener('click', () => {
+					const id = (row as HTMLElement).dataset.mortgageId || null;
+					this.selectedLenderId = this.selectedLenderId === id ? null : id;
+					this.render();
+				});
+			});
+
+			this.shadow.querySelector('[data-action="close-lender"]')?.addEventListener('click', () => {
+				this.selectedLenderId = null;
+				this.render();
+			});
+
+			this.shadow.querySelector('[data-action="update-borrower"]')?.addEventListener('click', () => {
+				const budgetEl = this.shadow.querySelector('[data-borrower="budget"]') as HTMLInputElement;
+				if (budgetEl) this.borrowerMonthlyBudget = Math.max(parseFloat(budgetEl.value) || 100, 100);
+				this.render();
+			});
+
+			this.shadow.querySelector('[data-action="calc-projection"]')?.addEventListener('click', () => {
+				const amtEl = this.shadow.querySelector('[data-proj="amount"]') as HTMLInputElement;
+				const apyEl = this.shadow.querySelector('[data-proj="apy"]') as HTMLInputElement;
+				const moEl = this.shadow.querySelector('[data-proj="months"]') as HTMLInputElement;
+				if (amtEl) this.projCalcAmount = parseFloat(amtEl.value) || 0;
+				if (apyEl) this.projCalcApy = parseFloat(apyEl.value) || 0;
+				if (moEl) this.projCalcMonths = parseInt(moEl.value) || 0;
+				this.render();
+			});
+		}
 	}
 
 	private cleanupCanvas() {
@@ -5186,6 +5238,409 @@ class FolkFlowsApp extends HTMLElement {
 		this._tour.start();
 	}
 
+	// ─── Mortgage tab ───────────────────────────────────────
+
+	private async loadMortgageData() {
+		this.loading = true;
+		this.render();
+
+		const base = this.getApiBase();
+		try {
+			const [posRes, rateRes] = await Promise.all([
+				fetch(`${base}/api/mortgage/positions?space=${encodeURIComponent(this.space)}`),
+				fetch(`${base}/api/mortgage/rates`),
+			]);
+			if (posRes.ok) this.mortgagePositions = await posRes.json();
+			if (rateRes.ok) {
+				const data = await rateRes.json();
+				this.liveRates = data.rates || [];
+			}
+		} catch (err) {
+			console.warn('[rMortgage] Failed to load data:', err);
+		}
+
+		// If no positions from API (demo mode), use hardcoded demo data
+		if (this.mortgagePositions.length === 0) {
+			const now = Date.now();
+			this.mortgagePositions = [
+				{ id: '1', borrower: 'alice.eth', borrowerDid: 'did:key:alice123', principal: 250000, interestRate: 4.2, termMonths: 360, monthlyPayment: 1222.95, startDate: now - 86400000 * 120, trustScore: 92, status: 'active', collateralType: 'trust-backed' },
+				{ id: '2', borrower: 'bob.base', borrowerDid: 'did:key:bob456', principal: 180000, interestRate: 3.8, termMonths: 240, monthlyPayment: 1079.19, startDate: now - 86400000 * 60, trustScore: 87, status: 'active', collateralType: 'hybrid' },
+				{ id: '3', borrower: 'carol.eth', borrowerDid: 'did:key:carol789', principal: 75000, interestRate: 5.1, termMonths: 120, monthlyPayment: 799.72, startDate: now - 86400000 * 200, trustScore: 78, status: 'active', collateralType: 'trust-backed' },
+				{ id: '4', borrower: 'dave.base', borrowerDid: 'did:key:dave012', principal: 320000, interestRate: 3.5, termMonths: 360, monthlyPayment: 1436.94, startDate: now - 86400000 * 30, trustScore: 95, status: 'pending', collateralType: 'asset-backed' },
+			];
+			this.reinvestmentPositions = [
+				{ protocol: 'Aave v3', chain: 'Base', asset: 'USDC', deposited: 500000, currentValue: 512340, apy: 4.87, lastUpdated: now },
+				{ protocol: 'Morpho Blue', chain: 'Ethereum', asset: 'USDC', deposited: 200000, currentValue: 203120, apy: 3.12, lastUpdated: now },
+			];
+		}
+
+		this.loading = false;
+		this.render();
+	}
+
+	private renderMortgageTab(): string {
+		if (this.loading) return '<div class="flows-loading">Loading mortgage data...</div>';
+
+		const totalPool = this.mortgagePositions.reduce((s, m) => s + m.principal, 0);
+		const deployed = this.reinvestmentPositions.reduce((s, r) => s + r.deposited, 0);
+		const currentYieldValue = this.reinvestmentPositions.reduce((s, r) => s + (r.currentValue - r.deposited), 0);
+		const avgApy = this.reinvestmentPositions.length > 0
+			? this.reinvestmentPositions.reduce((s, r) => s + r.apy, 0) / this.reinvestmentPositions.length
+			: 0;
+
+		const selectedLender = this.selectedLenderId
+			? this.mortgagePositions.find(m => m.id === this.selectedLenderId) || null
+			: null;
+
+		return `
+		<div class="mortgage-tab" style="padding: 24px; max-width: 1200px; margin: 0 auto;">
+			<div style="display: flex; align-items: center; gap: 12px; margin-bottom: 24px;">
+				<a href="/${this.space === 'demo' ? 'demo/' : ''}rflows" style="color: var(--rs-text-secondary); text-decoration: none; font-size: 14px;">&larr; Back to Flows</a>
+				<h2 style="margin: 0; font-size: 24px; color: var(--rs-text-primary);">rMortgage</h2>
+				<span style="background: rgba(16,185,129,0.15); color: #10b981; padding: 2px 10px; border-radius: 12px; font-size: 12px; font-weight: 600;">BETA</span>
+			</div>
+
+			<!-- Pool Summary Cards -->
+			<div style="display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; margin-bottom: 32px;">
+				${this.renderPoolCard('Total Pool', this.fmtUsd(totalPool), 'Aggregate mortgage capital', '#3b82f6')}
+				${this.renderPoolCard('Deployed to DeFi', this.fmtUsd(deployed), 'Idle capital reinvested', '#10b981')}
+				${this.renderPoolCard('Yield Earned', this.fmtUsd(currentYieldValue), 'From reinvestment positions', '#f59e0b')}
+				${this.renderPoolCard('Avg APY', avgApy.toFixed(2) + '%', 'Weighted pool return', '#8b5cf6')}
+			</div>
+
+			<!-- Active Mortgages -->
+			<div style="background: var(--rs-surface, #1a1a2e); border-radius: 12px; padding: 20px; margin-bottom: 24px; border: 1px solid var(--rs-border, #2a2a3e);">
+				<h3 style="margin: 0 0 16px; font-size: 16px; color: var(--rs-text-primary);">Active Mortgages</h3>
+				<div style="overflow-x: auto;">
+					<table style="width: 100%; border-collapse: collapse; font-size: 14px;">
+						<thead>
+							<tr style="border-bottom: 1px solid var(--rs-border, #2a2a3e); color: var(--rs-text-secondary); text-align: left;">
+								<th style="padding: 8px 12px;">Borrower</th>
+								<th style="padding: 8px 12px;">Principal</th>
+								<th style="padding: 8px 12px;">Rate</th>
+								<th style="padding: 8px 12px;">Term</th>
+								<th style="padding: 8px 12px;">Monthly</th>
+								<th style="padding: 8px 12px;">Trust</th>
+								<th style="padding: 8px 12px;">Status</th>
+							</tr>
+						</thead>
+						<tbody>
+							${this.mortgagePositions.map(m => this.renderMortgageRow(m)).join('')}
+						</tbody>
+					</table>
+				</div>
+			</div>
+
+			${selectedLender ? this.renderLenderDetail(selectedLender) : ''}
+
+			<!-- Borrower Options -->
+			${this.renderBorrowerOptions()}
+
+			<!-- Reinvestment Tracker -->
+			<div style="display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 24px;">
+				<div style="background: var(--rs-surface, #1a1a2e); border-radius: 12px; padding: 20px; border: 1px solid var(--rs-border, #2a2a3e);">
+					<h3 style="margin: 0 0 16px; font-size: 16px; color: var(--rs-text-primary);">Reinvestment Positions</h3>
+					${this.reinvestmentPositions.map(r => `
+						<div style="display: flex; justify-content: space-between; align-items: center; padding: 12px 0; border-bottom: 1px solid var(--rs-border, #2a2a3e);">
+							<div>
+								<div style="font-weight: 600; color: var(--rs-text-primary);">${this.esc(r.protocol)}</div>
+								<div style="font-size: 12px; color: var(--rs-text-secondary);">${this.esc(r.chain)} &middot; ${this.esc(r.asset)}</div>
+							</div>
+							<div style="text-align: right;">
+								<div style="color: #10b981; font-weight: 600;">${r.apy.toFixed(2)}% APY</div>
+								<div style="font-size: 12px; color: var(--rs-text-secondary);">${this.fmtUsd(r.deposited)} &rarr; ${this.fmtUsd(r.currentValue)}</div>
+							</div>
+						</div>
+					`).join('')}
+					${this.reinvestmentPositions.length === 0 ? '<div style="color: var(--rs-text-secondary); font-size: 14px;">No reinvestment positions yet</div>' : ''}
+				</div>
+
+				<!-- Live Rates -->
+				<div style="background: var(--rs-surface, #1a1a2e); border-radius: 12px; padding: 20px; border: 1px solid var(--rs-border, #2a2a3e);">
+					<h3 style="margin: 0 0 16px; font-size: 16px; color: var(--rs-text-primary);">Live DeFi Rates</h3>
+					${this.liveRates.map(r => `
+						<div style="display: flex; justify-content: space-between; align-items: center; padding: 12px 0; border-bottom: 1px solid var(--rs-border, #2a2a3e);">
+							<div>
+								<div style="font-weight: 600; color: var(--rs-text-primary);">${this.esc(r.protocol)}</div>
+								<div style="font-size: 12px; color: var(--rs-text-secondary);">${this.esc(r.chain)} &middot; ${this.esc(r.asset)}</div>
+							</div>
+							<div style="text-align: right;">
+								${r.apy !== null
+									? `<div style="color: #10b981; font-weight: 600;">${r.apy.toFixed(2)}% APY</div>`
+									: `<div style="color: var(--rs-text-secondary);">${r.error || 'Unavailable'}</div>`
+								}
+							</div>
+						</div>
+					`).join('')}
+					${this.liveRates.length === 0 ? '<div style="color: var(--rs-text-secondary); font-size: 14px;">Fetching rates...</div>' : ''}
+				</div>
+			</div>
+
+			<!-- Projection Calculator -->
+			<div style="background: var(--rs-surface, #1a1a2e); border-radius: 12px; padding: 20px; border: 1px solid var(--rs-border, #2a2a3e);">
+				<h3 style="margin: 0 0 16px; font-size: 16px; color: var(--rs-text-primary);">Yield Projection Calculator</h3>
+				<div style="display: grid; grid-template-columns: repeat(3, 1fr) auto; gap: 16px; align-items: end;">
+					<div>
+						<label style="display: block; font-size: 12px; color: var(--rs-text-secondary); margin-bottom: 4px;">Deposit Amount (USDC)</label>
+						<input type="number" data-proj="amount" value="${this.projCalcAmount}" style="width: 100%; padding: 8px 12px; background: var(--rs-bg, #0f0f1a); border: 1px solid var(--rs-border, #2a2a3e); border-radius: 8px; color: var(--rs-text-primary); font-size: 14px;">
+					</div>
+					<div>
+						<label style="display: block; font-size: 12px; color: var(--rs-text-secondary); margin-bottom: 4px;">APY (%)</label>
+						<input type="number" data-proj="apy" value="${this.projCalcApy}" step="0.1" style="width: 100%; padding: 8px 12px; background: var(--rs-bg, #0f0f1a); border: 1px solid var(--rs-border, #2a2a3e); border-radius: 8px; color: var(--rs-text-primary); font-size: 14px;">
+					</div>
+					<div>
+						<label style="display: block; font-size: 12px; color: var(--rs-text-secondary); margin-bottom: 4px;">Duration (months)</label>
+						<input type="number" data-proj="months" value="${this.projCalcMonths}" style="width: 100%; padding: 8px 12px; background: var(--rs-bg, #0f0f1a); border: 1px solid var(--rs-border, #2a2a3e); border-radius: 8px; color: var(--rs-text-primary); font-size: 14px;">
+					</div>
+					<button data-action="calc-projection" style="padding: 8px 20px; background: #3b82f6; color: white; border: none; border-radius: 8px; cursor: pointer; font-size: 14px; font-weight: 600;">Calculate</button>
+				</div>
+				<div id="projection-result" style="margin-top: 16px; padding: 16px; background: var(--rs-bg, #0f0f1a); border-radius: 8px; display: ${this.projCalcAmount > 0 ? 'block' : 'none'};">
+					${this.renderProjection()}
+				</div>
+			</div>
+		</div>`;
+	}
+
+	private renderPoolCard(title: string, value: string, subtitle: string, color: string): string {
+		return `
+		<div style="background: var(--rs-surface, #1a1a2e); border-radius: 12px; padding: 20px; border: 1px solid var(--rs-border, #2a2a3e); border-top: 3px solid ${color};">
+			<div style="font-size: 12px; color: var(--rs-text-secondary); text-transform: uppercase; letter-spacing: 0.5px; margin-bottom: 4px;">${title}</div>
+			<div style="font-size: 24px; font-weight: 700; color: var(--rs-text-primary); margin-bottom: 2px;">${value}</div>
+			<div style="font-size: 12px; color: var(--rs-text-secondary);">${subtitle}</div>
+		</div>`;
+	}
+
+	private renderMortgageRow(m: MortgagePosition): string {
+		const statusColors: Record<string, string> = { active: '#10b981', 'paid-off': '#3b82f6', defaulted: '#ef4444', pending: '#f59e0b' };
+		const trustColor = m.trustScore >= 90 ? '#10b981' : m.trustScore >= 75 ? '#f59e0b' : '#ef4444';
+		const isSelected = this.selectedLenderId === m.id;
+		return `
+		<tr data-mortgage-id="${m.id}" style="border-bottom: 1px solid var(--rs-border, #2a2a3e); cursor: pointer; background: ${isSelected ? 'rgba(59,130,246,0.1)' : 'transparent'};" class="mortgage-row">
+			<td style="padding: 10px 12px; color: var(--rs-text-primary); font-weight: 500;">${this.esc(m.borrower)}</td>
+			<td style="padding: 10px 12px; color: var(--rs-text-primary);">${this.fmtUsd(m.principal)}</td>
+			<td style="padding: 10px 12px; color: var(--rs-text-primary);">${m.interestRate}%</td>
+			<td style="padding: 10px 12px; color: var(--rs-text-secondary);">${m.termMonths}mo</td>
+			<td style="padding: 10px 12px; color: var(--rs-text-primary);">${this.fmtUsd(m.monthlyPayment)}</td>
+			<td style="padding: 10px 12px;"><span style="color: ${trustColor}; font-weight: 600;">${m.trustScore}</span></td>
+			<td style="padding: 10px 12px;"><span style="background: ${statusColors[m.status] || '#666'}22; color: ${statusColors[m.status] || '#666'}; padding: 2px 8px; border-radius: 8px; font-size: 12px; font-weight: 600;">${m.status}</span></td>
+		</tr>`;
+	}
+
+	private renderLenderDetail(m: MortgagePosition): string {
+		// Calculate repayment progress
+		const monthsElapsed = Math.floor((Date.now() - m.startDate) / (86400000 * 30));
+		const totalPaid = m.monthlyPayment * monthsElapsed;
+		const interestPaid = totalPaid - (totalPaid * m.principal / (m.monthlyPayment * m.termMonths));
+		const principalRepaid = Math.min(totalPaid - interestPaid, m.principal);
+		const remaining = Math.max(m.principal - principalRepaid, 0);
+
+		// Simulate reinvestment of idle capital from this position
+		const idleCapital = principalRepaid * 0.6; // 60% of repaid principal goes to reinvestment
+		const reinvestApy = this.reinvestmentPositions.length > 0
+			? this.reinvestmentPositions.reduce((s, r) => s + r.apy, 0) / this.reinvestmentPositions.length
+			: 4.0;
+		const reinvestEarnings = idleCapital * (reinvestApy / 100) * (monthsElapsed / 12);
+		const loanEarnings = interestPaid;
+
+		// Vessel proportions
+		const vesselTotal = m.principal;
+		const repaidPct = (principalRepaid / vesselTotal) * 100;
+		const reinvestedPct = (idleCapital / vesselTotal) * 100;
+		const emptyPct = Math.max(100 - repaidPct - reinvestedPct, 0);
+
+		return `
+		<div style="background: var(--rs-surface, #1a1a2e); border-radius: 12px; padding: 20px; margin-bottom: 24px; border: 1px solid #3b82f6;">
+			<div style="display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px;">
+				<h3 style="margin: 0; font-size: 16px; color: var(--rs-text-primary);">Lender Pool: ${this.esc(m.borrower)}</h3>
+				<button data-action="close-lender" style="background: none; border: none; color: var(--rs-text-secondary); cursor: pointer; font-size: 18px;">&times;</button>
+			</div>
+
+			<div style="display: grid; grid-template-columns: 200px 1fr; gap: 24px;">
+				<!-- Vessel visualization -->
+				<div style="display: flex; flex-direction: column; align-items: center;">
+					<svg viewBox="0 0 120 180" width="120" height="180" style="margin-bottom: 8px;">
+						<!-- Vessel outline -->
+						<rect x="10" y="10" width="100" height="160" rx="12" fill="none" stroke="var(--rs-text-secondary)" stroke-width="2" opacity="0.3"/>
+						<!-- Empty (remaining principal) -->
+						<rect x="12" y="${12 + (repaidPct + reinvestedPct) * 1.56}" width="96" height="${emptyPct * 1.56}" rx="10" fill="rgba(255,255,255,0.05)"/>
+						<!-- Reinvested (green) -->
+						<rect x="12" y="${12 + repaidPct * 1.56}" width="96" height="${reinvestedPct * 1.56}" rx="${reinvestedPct > 0 ? 0 : 10}" fill="rgba(16,185,129,0.4)"/>
+						<!-- Repaid (blue) -->
+						<rect x="12" y="12" width="96" height="${repaidPct * 1.56}" rx="10" fill="rgba(59,130,246,0.4)"/>
+						<!-- Labels -->
+						${repaidPct > 10 ? `<text x="60" y="${12 + repaidPct * 0.78}" text-anchor="middle" fill="#60a5fa" font-size="11" font-weight="600">${Math.round(repaidPct)}% Repaid</text>` : ''}
+						${reinvestedPct > 10 ? `<text x="60" y="${12 + repaidPct * 1.56 + reinvestedPct * 0.78}" text-anchor="middle" fill="#10b981" font-size="11" font-weight="600">${Math.round(reinvestedPct)}% Reinvested</text>` : ''}
+					</svg>
+					<div style="font-size: 11px; color: var(--rs-text-secondary); text-align: center;">Pool: ${this.fmtUsd(vesselTotal)}</div>
+				</div>
+
+				<!-- Stats breakdown -->
+				<div style="display: grid; grid-template-columns: 1fr 1fr; gap: 12px;">
+					<div style="padding: 12px; background: var(--rs-bg, #0f0f1a); border-radius: 8px;">
+						<div style="font-size: 11px; color: var(--rs-text-secondary); text-transform: uppercase;">Repaid Principal</div>
+						<div style="font-size: 20px; font-weight: 700; color: #60a5fa;">${this.fmtUsd(principalRepaid)}</div>
+					</div>
+					<div style="padding: 12px; background: var(--rs-bg, #0f0f1a); border-radius: 8px;">
+						<div style="font-size: 11px; color: var(--rs-text-secondary); text-transform: uppercase;">Reinvested Capital</div>
+						<div style="font-size: 20px; font-weight: 700; color: #10b981;">${this.fmtUsd(idleCapital)}</div>
+					</div>
+					<div style="padding: 12px; background: var(--rs-bg, #0f0f1a); border-radius: 8px;">
+						<div style="font-size: 11px; color: var(--rs-text-secondary); text-transform: uppercase;">Loan Interest Earned</div>
+						<div style="font-size: 20px; font-weight: 700; color: #f59e0b;">${this.fmtUsd(loanEarnings)}</div>
+					</div>
+					<div style="padding: 12px; background: var(--rs-bg, #0f0f1a); border-radius: 8px;">
+						<div style="font-size: 11px; color: var(--rs-text-secondary); text-transform: uppercase;">Reinvestment Yield</div>
+						<div style="font-size: 20px; font-weight: 700; color: #10b981;">${this.fmtUsd(reinvestEarnings)}</div>
+					</div>
+					<div style="padding: 12px; background: var(--rs-bg, #0f0f1a); border-radius: 8px; grid-column: span 2;">
+						<div style="font-size: 11px; color: var(--rs-text-secondary); text-transform: uppercase;">Total Earnings</div>
+						<div style="font-size: 24px; font-weight: 700; color: var(--rs-text-primary);">${this.fmtUsd(loanEarnings + reinvestEarnings)}</div>
+						<div style="font-size: 12px; color: var(--rs-text-secondary);">${monthsElapsed} months elapsed of ${m.termMonths}mo term</div>
+					</div>
+				</div>
+			</div>
+		</div>`;
+	}
+
+	private renderBorrowerOptions(): string {
+		const termOptions = [60, 120, 180, 240, 300, 360]; // 5yr, 10yr, 15yr, 20yr, 25yr, 30yr
+		const budget = this.borrowerMonthlyBudget;
+
+		// Build lender pool: each active lender has available capital (simulated from repaid principal)
+		const lenders = this.mortgagePositions
+			.filter(m => m.status === 'active')
+			.map(m => {
+				const monthsElapsed = Math.floor((Date.now() - m.startDate) / (86400000 * 30));
+				const totalPaid = m.monthlyPayment * monthsElapsed;
+				const principalFraction = m.principal / (m.monthlyPayment * m.termMonths);
+				const principalRepaid = Math.min(totalPaid * principalFraction, m.principal);
+				// Available = repaid principal that can be re-lent
+				const available = Math.max(principalRepaid * 0.8, m.principal * 0.15); // At least 15% of pool
+				return { id: m.id, name: m.borrower, available: Math.round(available), trustScore: m.trustScore };
+			})
+			.sort((a, b) => b.trustScore - a.trustScore); // highest trust first
+
+		const totalAvailable = lenders.reduce((s, l) => s + l.available, 0);
+
+		// For each term, compute max principal borrower can afford at a blended rate
+		const avgRate = this.mortgagePositions.length > 0
+			? this.mortgagePositions.reduce((s, m) => s + m.interestRate, 0) / this.mortgagePositions.length
+			: 4.0;
+
+		const options = termOptions.map(months => {
+			const monthlyRate = avgRate / 100 / 12;
+			// PV of annuity: principal = payment * ((1 - (1+r)^-n) / r)
+			const maxPrincipal = monthlyRate > 0
+				? budget * (1 - Math.pow(1 + monthlyRate, -months)) / monthlyRate
+				: budget * months;
+			const principal = Math.min(Math.round(maxPrincipal), totalAvailable);
+			const actualMonthly = monthlyRate > 0
+				? principal * (monthlyRate * Math.pow(1 + monthlyRate, months)) / (Math.pow(1 + monthlyRate, months) - 1)
+				: principal / months;
+
+			// Fill from lenders in order
+			let remaining = principal;
+			const fills: { name: string; amount: number; pct: number; color: string }[] = [];
+			const fillColors = ['#3b82f6', '#10b981', '#f59e0b', '#8b5cf6', '#ec4899', '#06b6d4'];
+			for (let i = 0; i < lenders.length && remaining > 0; i++) {
+				const contribution = Math.min(lenders[i].available, remaining);
+				if (contribution <= 0) continue;
+				fills.push({
+					name: lenders[i].name,
+					amount: contribution,
+					pct: principal > 0 ? (contribution / principal) * 100 : 0,
+					color: fillColors[i % fillColors.length],
+				});
+				remaining -= contribution;
+			}
+			const funded = principal - remaining;
+			const fundedPct = principal > 0 ? (funded / principal) * 100 : 0;
+
+			return { months, principal, actualMonthly: Math.round(actualMonthly * 100) / 100, rate: avgRate, fills, funded, fundedPct };
+		});
+
+		return `
+		<div style="background: var(--rs-surface, #1a1a2e); border-radius: 12px; padding: 20px; margin-bottom: 24px; border: 1px solid var(--rs-border, #2a2a3e);">
+			<div style="display: flex; justify-content: space-between; align-items: center; margin-bottom: 16px;">
+				<h3 style="margin: 0; font-size: 16px; color: var(--rs-text-primary);">Borrower Options</h3>
+				<div style="display: flex; align-items: center; gap: 12px;">
+					<label style="font-size: 13px; color: var(--rs-text-secondary);">Max monthly payment:</label>
+					<div style="display: flex; align-items: center; gap: 4px;">
+						<span style="color: var(--rs-text-secondary);">$</span>
+						<input type="number" data-borrower="budget" value="${budget}" step="100" min="100"
+							style="width: 110px; padding: 6px 10px; background: var(--rs-bg, #0f0f1a); border: 1px solid var(--rs-border, #2a2a3e); border-radius: 6px; color: var(--rs-text-primary); font-size: 14px; font-weight: 600;">
+						<span style="color: var(--rs-text-secondary); font-size: 13px;">/mo</span>
+					</div>
+					<button data-action="update-borrower" style="padding: 6px 14px; background: #3b82f6; color: white; border: none; border-radius: 6px; cursor: pointer; font-size: 13px;">Update</button>
+				</div>
+			</div>
+			<div style="font-size: 12px; color: var(--rs-text-secondary); margin-bottom: 16px;">
+				Avg pool rate: ${avgRate.toFixed(1)}% &middot; Total lender capital available: ${this.fmtUsd(totalAvailable)} &middot; Lenders fill loans in trust-score order
+			</div>
+			<div style="display: flex; flex-direction: column; gap: 12px;">
+				${options.map(o => `
+					<div style="padding: 14px 16px; background: var(--rs-bg, #0f0f1a); border-radius: 10px; border: 1px solid var(--rs-border, #2a2a3e);">
+						<div style="display: flex; justify-content: space-between; align-items: center; margin-bottom: 8px;">
+							<div style="display: flex; align-items: baseline; gap: 10px;">
+								<span style="font-size: 18px; font-weight: 700; color: var(--rs-text-primary);">${o.months / 12}yr</span>
+								<span style="font-size: 13px; color: var(--rs-text-secondary);">${o.months} months @ ${o.rate.toFixed(1)}%</span>
+							</div>
+							<div style="text-align: right;">
+								<span style="font-size: 18px; font-weight: 700; color: var(--rs-text-primary);">${this.fmtUsd(o.principal)}</span>
+								<span style="font-size: 12px; color: var(--rs-text-secondary); margin-left: 6px;">${this.fmtUsd(o.actualMonthly)}/mo</span>
+							</div>
+						</div>
+						<!-- Lender fill bar -->
+						<div style="position: relative; height: 28px; background: rgba(255,255,255,0.03); border-radius: 6px; overflow: hidden; margin-bottom: 6px;">
+							<div style="display: flex; height: 100%;">
+								${o.fills.map(f => `
+									<div style="width: ${f.pct}%; background: ${f.color}; display: flex; align-items: center; justify-content: center; font-size: 10px; color: white; font-weight: 600; white-space: nowrap; overflow: hidden; min-width: ${f.pct > 8 ? '0' : '0'}px;"
+										title="${f.name}: ${this.fmtUsd(f.amount)} (${Math.round(f.pct)}%)">
+										${f.pct > 12 ? f.name : ''}
+									</div>
+								`).join('')}
+								${o.fundedPct < 100 ? `<div style="flex: 1; display: flex; align-items: center; justify-content: center; font-size: 10px; color: var(--rs-text-secondary);">${Math.round(100 - o.fundedPct)}% unfunded</div>` : ''}
+							</div>
+						</div>
+						<div style="display: flex; gap: 8px; flex-wrap: wrap;">
+							${o.fills.map(f => `
+								<span style="font-size: 11px; color: var(--rs-text-secondary); display: flex; align-items: center; gap: 4px;">
+									<span style="width: 8px; height: 8px; border-radius: 2px; background: ${f.color}; display: inline-block;"></span>
+									${this.esc(f.name)} ${this.fmtUsd(f.amount)}
+								</span>
+							`).join('')}
+						</div>
+					</div>
+				`).join('')}
+			</div>
+		</div>`;
+	}
+
+	private renderProjection(): string {
+		const monthlyRate = this.projCalcApy / 100 / 12;
+		const finalValue = this.projCalcAmount * Math.pow(1 + monthlyRate, this.projCalcMonths);
+		const earned = finalValue - this.projCalcAmount;
+		return `
+			<div style="display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;">
+				<div>
+					<div style="font-size: 12px; color: var(--rs-text-secondary);">Initial Deposit</div>
+					<div style="font-size: 20px; font-weight: 700; color: var(--rs-text-primary);">${this.fmtUsd(this.projCalcAmount)}</div>
+				</div>
+				<div>
+					<div style="font-size: 12px; color: var(--rs-text-secondary);">Projected Value</div>
+					<div style="font-size: 20px; font-weight: 700; color: #10b981;">${this.fmtUsd(finalValue)}</div>
+				</div>
+				<div>
+					<div style="font-size: 12px; color: var(--rs-text-secondary);">Yield Earned</div>
+					<div style="font-size: 20px; font-weight: 700; color: #f59e0b;">${this.fmtUsd(earned)}</div>
+				</div>
+			</div>`;
+	}
+
+	private fmtUsd(v: number): string {
+		return '$' + v.toLocaleString('en-US', { minimumFractionDigits: 0, maximumFractionDigits: 0 });
+	}
+
 	private esc(s: string): string {
 		return s
 			.replace(/&/g, "&amp;")

modules/rflows/lib/types.ts

@@ -107,6 +107,32 @@ export interface FlowNode {
 	data: FunnelNodeData | OutcomeNodeData | SourceNodeData;
 }
 
+// ─── Mortgage types ──────────────────────────────────
+
+export interface MortgagePosition {
+	id: string;
+	borrower: string;
+	borrowerDid: string;
+	principal: number;
+	interestRate: number;
+	termMonths: number;
+	monthlyPayment: number;
+	startDate: number;
+	trustScore: number;
+	status: "active" | "paid-off" | "defaulted" | "pending";
+	collateralType: "trust-backed" | "asset-backed" | "hybrid";
+}
+
+export interface ReinvestmentPosition {
+	protocol: string;
+	chain: string;
+	asset: string;
+	deposited: number;
+	currentValue: number;
+	apy: number;
+	lastUpdated: number;
+}
+
 // ─── Port definitions ─────────────────────────────────
 
 export type PortDirection = "in" | "out";

modules/rflows/mod.ts

@@ -18,7 +18,7 @@ import { demoNodes } from './lib/presets';
 import { OpenfortProvider } from './lib/openfort';
 import { boardDocId, createTaskItem } from '../rtasks/schemas';
 import type { BoardDoc } from '../rtasks/schemas';
-import type { OutcomeNodeData } from './lib/types';
+import type { OutcomeNodeData, MortgagePosition, ReinvestmentPosition } from './lib/types';
 import { getAvailableProviders, getProvider, getDefaultProvider } from './lib/onramp-registry';
 import type { OnrampProviderId } from './lib/onramp-provider';
 import { PimlicoClient } from './lib/pimlico';
@@ -53,6 +53,15 @@ function ensureDoc(space: string): FlowsDoc {
 		});
 		doc = _syncServer!.getDoc<FlowsDoc>(docId)!;
 	}
+	// Migrate v2 → v3: add mortgagePositions and reinvestmentPositions
+	if (doc.meta.version < 3) {
+		_syncServer!.changeDoc<FlowsDoc>(docId, 'migrate to v3', (d) => {
+			if (!d.mortgagePositions) d.mortgagePositions = {} as any;
+			if (!d.reinvestmentPositions) d.reinvestmentPositions = {} as any;
+			d.meta.version = 3;
+		});
+		doc = _syncServer!.getDoc<FlowsDoc>(docId)!;
+	}
 	return doc;
 }
 
@@ -560,6 +569,101 @@ routes.delete("/api/space-flows/:flowId", async (c) => {
 	return c.json({ ok: true });
 });
 
+// ─── Mortgage API routes ─────────────────────────────────
+
+// Aave v3 Pool on Base
+const AAVE_V3_POOL_BASE = '0xA238Dd80C259a72e81d7e4664a9801593F98d1c5';
+const USDC_BASE = '0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913';
+const BASE_RPC = 'https://mainnet.base.org';
+
+routes.get("/api/mortgage/rates", async (c) => {
+	try {
+		// getReserveData(address) selector = 0x35ea6a75
+		const calldata = '0x35ea6a75000000000000000000000000' + USDC_BASE.slice(2).toLowerCase();
+		const res = await fetch(BASE_RPC, {
+			method: 'POST',
+			headers: { 'Content-Type': 'application/json' },
+			body: JSON.stringify({
+				jsonrpc: '2.0', id: 1, method: 'eth_call',
+				params: [{ to: AAVE_V3_POOL_BASE, data: calldata }, 'latest'],
+			}),
+		});
+		const json = await res.json() as any;
+		if (json.error) throw new Error(json.error.message);
+
+		// currentLiquidityRate is the 2nd word (index 1) in the result tuple — 27 decimals (ray)
+		const resultHex = json.result as string;
+		// Each word is 32 bytes = 64 hex chars. Skip 0x prefix, word at index 2 (currentLiquidityRate)
+		const liquidityRateHex = '0x' + resultHex.slice(2 + 64 * 2, 2 + 64 * 3);
+		const liquidityRate = Number(BigInt(liquidityRateHex)) / 1e27;
+		// Convert ray rate to APY: ((1 + rate/SECONDS_PER_YEAR)^SECONDS_PER_YEAR - 1) * 100
+		const SECONDS_PER_YEAR = 31536000;
+		const apy = (Math.pow(1 + liquidityRate / SECONDS_PER_YEAR, SECONDS_PER_YEAR) - 1) * 100;
+
+		return c.json({
+			rates: [
+				{ protocol: 'Aave v3', chain: 'Base', asset: 'USDC', apy: Math.round(apy * 100) / 100, updatedAt: Date.now() },
+			],
+		});
+	} catch (err) {
+		console.error('[mortgage] Rate fetch failed:', err);
+		return c.json({
+			rates: [
+				{ protocol: 'Aave v3', chain: 'Base', asset: 'USDC', apy: null, updatedAt: Date.now(), error: 'Unavailable' },
+			],
+		});
+	}
+});
+
+routes.get("/api/mortgage/positions", async (c) => {
+	const space = c.req.query("space") || "demo";
+	const doc = ensureDoc(space);
+	return c.json(Object.values(doc.mortgagePositions || {}));
+});
+
+routes.post("/api/mortgage/positions", async (c) => {
+	const token = extractToken(c.req.raw.headers);
+	if (!token) return c.json({ error: "Authentication required" }, 401);
+
+	let claims;
+	try { claims = await verifyEncryptIDToken(token); } catch { return c.json({ error: "Invalid token" }, 401); }
+
+	const body = await c.req.json() as Partial<MortgagePosition>;
+	if (!body.principal || !body.termMonths || !body.interestRate) {
+		return c.json({ error: "principal, termMonths, and interestRate required" }, 400);
+	}
+
+	const space = (body as any).space || "demo";
+	const docId = flowsDocId(space);
+	ensureDoc(space);
+
+	const id = crypto.randomUUID();
+	const monthlyRate = body.interestRate / 100 / 12;
+	const monthlyPayment = monthlyRate > 0
+		? body.principal * (monthlyRate * Math.pow(1 + monthlyRate, body.termMonths)) / (Math.pow(1 + monthlyRate, body.termMonths) - 1)
+		: body.principal / body.termMonths;
+
+	const position: MortgagePosition = {
+		id,
+		borrower: body.borrower || claims.sub,
+		borrowerDid: (claims as any).did || claims.sub,
+		principal: body.principal,
+		interestRate: body.interestRate,
+		termMonths: body.termMonths,
+		monthlyPayment: Math.round(monthlyPayment * 100) / 100,
+		startDate: Date.now(),
+		trustScore: body.trustScore || 0,
+		status: 'active',
+		collateralType: body.collateralType || 'trust-backed',
+	};
+
+	_syncServer!.changeDoc<FlowsDoc>(docId, 'create mortgage position', (d) => {
+		d.mortgagePositions[id] = position as any;
+	});
+
+	return c.json(position, 201);
+});
+
 // ─── Page routes ────────────────────────────────────────
 
 const flowsScripts = `
@@ -584,6 +688,21 @@ routes.get("/", (c) => {
 	}));
 });
 
+// Mortgage sub-tab
+routes.get("/mortgage", (c) => {
+	const spaceSlug = c.req.param("space") || "demo";
+	return c.html(renderShell({
+		title: `${spaceSlug} — Mortgage | rFlows | rSpace`,
+		moduleId: "rflows",
+		spaceSlug,
+		modules: getModuleInfoList(),
+		theme: "dark",
+		body: `<folk-flows-app space="${spaceSlug}" view="mortgage"${spaceSlug === "demo" ? ' mode="demo"' : ''}></folk-flows-app>`,
+		scripts: flowsScripts,
+		styles: flowsStyles,
+	}));
+});
+
 // Flow detail — specific flow from API
 routes.get("/flow/:flowId", (c) => {
 	const spaceSlug = c.req.param("space") || "demo";
@@ -642,6 +761,48 @@ function seedTemplateFlows(space: string) {
 
 		console.log(`[Flows] Template seeded for "${space}": 1 canvas flow + association`);
 	}
+
+	// Seed mortgage demo positions if empty
+	if (Object.keys(doc.mortgagePositions || {}).length === 0) {
+		const docId = flowsDocId(space);
+		const now = Date.now();
+		const demoMortgages: MortgagePosition[] = [
+			{
+				id: crypto.randomUUID(), borrower: 'alice.eth', borrowerDid: 'did:key:alice123',
+				principal: 250000, interestRate: 4.2, termMonths: 360, monthlyPayment: 1222.95,
+				startDate: now - 86400000 * 120, trustScore: 92, status: 'active', collateralType: 'trust-backed',
+			},
+			{
+				id: crypto.randomUUID(), borrower: 'bob.base', borrowerDid: 'did:key:bob456',
+				principal: 180000, interestRate: 3.8, termMonths: 240, monthlyPayment: 1079.19,
+				startDate: now - 86400000 * 60, trustScore: 87, status: 'active', collateralType: 'hybrid',
+			},
+			{
+				id: crypto.randomUUID(), borrower: 'carol.eth', borrowerDid: 'did:key:carol789',
+				principal: 75000, interestRate: 5.1, termMonths: 120, monthlyPayment: 799.72,
+				startDate: now - 86400000 * 200, trustScore: 78, status: 'active', collateralType: 'trust-backed',
+			},
+			{
+				id: crypto.randomUUID(), borrower: 'dave.base', borrowerDid: 'did:key:dave012',
+				principal: 320000, interestRate: 3.5, termMonths: 360, monthlyPayment: 1436.94,
+				startDate: now - 86400000 * 30, trustScore: 95, status: 'pending', collateralType: 'asset-backed',
+			},
+		];
+
+		const demoReinvestments: ReinvestmentPosition[] = [
+			{ protocol: 'Aave v3', chain: 'Base', asset: 'USDC', deposited: 500000, currentValue: 512340, apy: 4.87, lastUpdated: now },
+			{ protocol: 'Morpho Blue', chain: 'Ethereum', asset: 'USDC', deposited: 200000, currentValue: 203120, apy: 3.12, lastUpdated: now },
+		];
+
+		_syncServer!.changeDoc<FlowsDoc>(docId, 'seed mortgage demo', (d) => {
+			for (const m of demoMortgages) d.mortgagePositions[m.id] = m as any;
+			for (const r of demoReinvestments) {
+				const rid = `${r.protocol}:${r.chain}:${r.asset}`;
+				d.reinvestmentPositions[rid] = r as any;
+			}
+		});
+		console.log(`[Flows] Mortgage demo seeded for "${space}"`);
+	}
 }
 
 export const flowsModule: RSpaceModule = {
@@ -755,5 +916,17 @@ export const flowsModule: RSpaceModule = {
 				{ icon: "🎯", title: "Outcome Tracking", text: "Define funding outcomes and monitor how capital reaches its destination." },
 			],
 		},
+		{
+			path: "mortgage",
+			title: "rMortgage",
+			icon: "🏠",
+			tagline: "rFlows Tool",
+			description: "Social trust-based mortgage lending with DeFi yield reinvestment. Track mortgage positions backed by community trust scores, and earn yield on idle pool capital via Aave and Morpho.",
+			features: [
+				{ icon: "🤝", title: "Trust-Backed Lending", text: "Mortgage positions backed by community trust scores instead of traditional credit." },
+				{ icon: "📊", title: "DeFi Reinvestment", text: "Idle pool capital reinvested into Aave v3 and Morpho Blue for passive yield." },
+				{ icon: "🧮", title: "Projection Calculator", text: "Model deposits and durations to forecast compound yield on pool capital." },
+			],
+		},
 	],
 };

modules/rflows/schemas.ts

@@ -9,7 +9,7 @@
  */
 
 import type { DocSchema } from '../../shared/local-first/document';
-import type { FlowNode } from './lib/types';
+import type { FlowNode, MortgagePosition, ReinvestmentPosition } from './lib/types';
 
 // ── Document types ──
 
@@ -41,6 +41,8 @@ export interface FlowsDoc {
 	spaceFlows: Record<string, SpaceFlow>;
 	canvasFlows: Record<string, CanvasFlow>;
 	activeFlowId: string;
+	mortgagePositions: Record<string, MortgagePosition>;
+	reinvestmentPositions: Record<string, ReinvestmentPosition>;
 }
 
 // ── Schema registration ──
@@ -48,23 +50,27 @@ export interface FlowsDoc {
 export const flowsSchema: DocSchema<FlowsDoc> = {
 	module: 'flows',
 	collection: 'data',
-	version: 2,
+	version: 3,
 	init: (): FlowsDoc => ({
 		meta: {
 			module: 'flows',
 			collection: 'data',
-			version: 2,
+			version: 3,
 			spaceSlug: '',
 			createdAt: Date.now(),
 		},
 		spaceFlows: {},
 		canvasFlows: {},
 		activeFlowId: '',
+		mortgagePositions: {},
+		reinvestmentPositions: {},
 	}),
 	migrate: (doc: any, _fromVersion: number) => {
 		if (!doc.canvasFlows) doc.canvasFlows = {};
 		if (!doc.activeFlowId) doc.activeFlowId = '';
-		doc.meta.version = 2;
+		if (!doc.mortgagePositions) doc.mortgagePositions = {};
+		if (!doc.reinvestmentPositions) doc.reinvestmentPositions = {};
+		doc.meta.version = 3;
 		return doc;
 	},
 };