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Working doc for Taylor — React, redirect, and refine. This maps the full CoverPanda/Rollup ecosystem: who sits where, what they need, how agents serve them, and where network effects compound.

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1. The Ecosystem Stakeholder Map

Every stakeholder in the franchise lifecycle is a node. Rollup is the connective tissue. Each connection = a workflow = a revenue stream.

graph TB
    subgraph CORE["🏗️ ROLLUP PLATFORM (SaaS + AI + Embedded Finance)"]
        direction TB
        CP["Closing Portal\\n(Sales Agent)"]
        OP["Onboarding Portal\\n(Onboarding Agent)"]
        FP["Funding Portal\\n(Fundraising Agent)"]
        DR["Data Room\\n(Zestimate Agent)"]
        MK["Marketplace\\n(Vendor Agent)"]
        LMS["LMS\\n(Training Agent)"]
    end

    ZOR["🏢 Franchisor\\n(Brand)"] --> CP
    ZOR --> OP
    ZOR --> LMS

    ZEE["👤 Franchisee\\n(Unit / Wallet)"] --> OP
    ZEE --> FP
    ZEE --> DR

    BROKER["🤝 Broker /\\nFranchise Consultant"] --> CP
    ATT["⚖️ Attorney /\\nFDD Counsel"] --> CP

    CPA["📊 CPA /\\nAccountant"] --> DR
    CPA --> FP

    LENDER["🏦 Lender /\\nSBA / Bank"] --> FP
    LENDER --> DR

    PE["💼 PE Firm /\\nBuy-Side"] --> DR
    PE --> CP

    VENDOR["🏪 Vendor\\n(Payroll, Insurance, etc.)"] --> MK
    VENDOR --> OP

    FSO["📋 FSO /\\nFranchise Sales Org"] --> CP

    style CORE fill:#e8f4fd,stroke:#2196F3
    style ZOR fill:#CE93D8
    style ZEE fill:#81D4FA
    style BROKER fill:#FFE082
    style LENDER fill:#A5D6A7
    style PE fill:#B0BEC5
    style VENDOR fill:#C8E6C9
    style CPA fill:#FFCCBC
    style ATT fill:#D7CCC8
    style FSO fill:#FFF9C4

2. Stakeholder Needs & Free Value Map

What each stakeholder needs, what we give away free to earn the relationship, and what they pay for.

2. Onboard units without chaos
3. See all unit financials in one place | • FDD compliance checklist • Unit onboarding playbook template • Franchise benchmarking report (teaser) • Royalty model template | Brand Workspace ($249–$699/mo) Per-unit connections ($30/mo) Closing Portal ($199/mo) AI Variance Pack ($500/mo) | | 👤 Franchisee (Zee) | 1. Get financing / open on time
4. Keep books clean without effort
5. Know how my unit is performing | • Business Wallet (Free tier) • Franchise readiness checklist • Lender-ready data room skeleton • QBO cleanup checklist • Zestimate teaser | Wallet Basic ($30/mo) Wallet Plus ($49/mo) Services (bookkeeping $450/mo+) AI add-ons ($20/mo) | | 🤝 Broker / FSO | 1. Close more deals faster
6. Track commissions transparently
7. Manage multi-brand pipeline | • Free Sales Agent (closing portal, limited) • Commission calculator template • Brand intro playbook • FDD timing tracker | Sales Portal SaaS ($199/mo) % on ACV for services attached Lead gen premium ($499+/mo) | | ⚖️ Attorney | 1. FDD review workflow
8. Document management
9. Client coordination | • Free portal access on deals • FDD compliance timer • Secure doc sharing room | E-signature overage packs Premium doc management Deal room seats | | 📊 CPA / Accountant | 1. Serve franchise clients profitably
10. Standardized reporting across clients
11. Referral revenue on overflow | • Free partner portal access • Franchise chart of accounts template • Client health dashboard • Co-branded onboarding flow | Rev-share on referred services Platform access ($99/mo per CPA) Data/analytics tier | | 🏦 Lender / SBA | 1. Pre-qualified borrower data
12. Standardized underwriting docs
13. Pipeline of franchise borrowers | • Free Funding Portal access on deals • Pre-formatted data room (borrower-ready) • Franchise benchmark data (anonymized) | Lead gen fee per qualified borrower Origination % on funded loans Data licensing | | 💼 PE / Buy-Side | 1. Deal pipeline visibility
14. Portfolio monitoring
15. Standardized diligence | • Market benchmarking report (teaser) • Data room template • Brand scoring sample | PE Workspace ($3K–$10K/mo) M&A Data Rooms ($1,500/mo) AI Diligence ($2,500/deal) | | 🏪 Vendor (Payroll, Insurance, etc.) | 1. Access to franchise customers
16. Qualified leads, not cold lists
17. Integration into buying workflow | • Free Invite Connect (accept intros) • Marketplace listing draft • Franchise buyer persona data | Vendor Platform ($199–$1,500/mo) Lead gen fees Rev-share on attached services |

3. Workflow Connectivity Map — Who Connects to Whom

Every workflow connects at least 2 stakeholders. That's the network effect engine.

graph LR
    subgraph CLOSING["🔴 CLOSING PORTAL (Sales Agent)"]
        C_ZOR["Zor"] --- C_BROKER["Broker"]
        C_BROKER --- C_ZEE["Prospect / Zee"]
        C_ZEE --- C_ATT["Attorney"]
        C_ATT --- C_LENDER["Lender"]
        C_ZOR --- C_FSO["FSO"]
    end

    subgraph ONBOARDING["🟢 ONBOARDING PORTAL (Onboarding Agent)"]
        O_ZOR["Zor"] --- O_ZEE["New Zee"]
        O_ZEE --- O_VENDOR["Vendors"]
        O_ZEE --- O_CPA["CPA"]
        O_VENDOR --- O_PAYROLL["Payroll"]
        O_VENDOR --- O_INSUR["Insurance"]
    end

    subgraph FUNDING["🔵 FUNDING PORTAL (Fundraising Agent)"]
        F_ZEE["Zee / Zor"] --- F_LENDER["Lender"]
        F_ZEE --- F_CPA["CPA"]
        F_LENDER --- F_DR["Data Room"]
        F_CPA --- F_DR
    end

    CLOSING -->|"Deal closed"| ONBOARDING
    ONBOARDING -->|"Unit activated"| FUNDING
    FUNDING -->|"Capital deployed"| CLOSING

4. The Agent Architecture

Each portal = an Agent with custom instructions, skills, plugins, and integrations. Think of agents as the "formality" of each portal, rebranded for the AI-native era.

5. The Onboarding Agent — Detailed Spec

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What a brand can customize: Custom instructions, skills toggled on/off, plugins activated per brand, branded UI/messaging, milestone templates, vendor preferences, required documents.

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