Add full monorepo: virtual-banker, backend, frontend, docs, scripts, deployment

Co-authored-by: Cursor <cursoragent@cursor.com>

docs/TOKENFACTORY138_COMPILATION_AND_FIX.md

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+# TokenFactory138 Compilation Test and Fix
+
+**Date**: 2025-12-24  
+**Status**: ✅ Fixed critical role permission issue
+
+---
+
+## ✅ Compilation Test
+
+### Quick Test
+
+```bash
+cd /home/intlc/projects/proxmox/smom-dbis-138
+
+# Test compilation with --via-ir (recommended)
+forge build --via-ir --contracts contracts/emoney/TokenFactory138.sol
+
+# Or use the test script
+./scripts/compile-and-test-tokenfactory.sh
+```
+
+### Expected Results
+
+- ✅ Compilation successful with `--via-ir`
+- ⚠️ May show "Stack too deep" without `--via-ir` (this is expected)
+
+---
+
+## ✅ Critical Fix Applied
+
+### Issue Found
+
+TokenFactory138 calls PolicyManager functions that require `POLICY_OPERATOR_ROLE`, but the deployment script wasn't granting this role to TokenFactory138 itself.
+
+### Fix Applied
+
+Updated `script/emoney/DeployChain138.s.sol` to grant `POLICY_OPERATOR_ROLE` to TokenFactory138:
+
+```solidity
+// Grant POLICY_OPERATOR_ROLE to TokenFactory138 so it can configure tokens during deployment
+policyManager.grantRole(policyManager.POLICY_OPERATOR_ROLE(), address(factory));
+// Also grant to policyOperator for manual operations
+policyManager.grantRole(policyManager.POLICY_OPERATOR_ROLE(), config.policyOperator);
+```
+
+---
+
+## ✅ Pre-Deployment Checklist
+
+- [x] Compilation test script created
+- [x] Critical role permission issue fixed
+- [ ] Run compilation test
+- [ ] Verify all dependencies compile
+- [ ] Test deployment script (dry run)
+- [ ] Deploy TokenFactory138
+
+---
+
+## 🚀 Deployment
+
+Once compilation passes:
+
+```bash
+cd /home/intlc/projects/proxmox/smom-dbis-138
+source .env
+
+forge script script/emoney/DeployChain138.s.sol:DeployChain138 \
+  --rpc-url $RPC_URL \
+  --broadcast \
+  --legacy \
+  --gas-price 20000000000 \
+  --via-ir \
+  -vv
+```
+
+**Note**: This deploys the entire eMoney system (ComplianceRegistry, DebtRegistry, PolicyManager, eMoneyToken, TokenFactory138, BridgeVault138).
+
+---
+
+## 📋 Summary
+
+1. ✅ **Compilation**: Should work with `--via-ir` flag
+2. ✅ **Role Fix**: TokenFactory138 now gets POLICY_OPERATOR_ROLE
+3. ⏳ **Next**: Test compilation, then deploy
+
+---
+
+**Last Updated**: 2025-12-24
+