Forward implementation spec covering the legacy "Editor" receipt-capture workflow plus three net-new requests from the 2026-07-25/26 meeting with Jorge: PDF/OCR auto-capture, multi-bank chequera support, and customer-number recycling. Matching logic and data-model gaps for each were verified against the actual migration scripts and API code, not just the schema comments. Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>