Initial skills documentation — 25 categories, all SKILL.md + references + scripts

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+# API Integration Research: Debt Recovery Platform
+
+## Online Notarization (RON) — Proof (formerly Notarize)
+
+**URL:** https://www.proof.com
+
+**Pricing (Jul 2026):**
+| Plan | Cost | Best For |
+|------|------|----------|
+| Pro | $25/notarization in-house; $10/additional seal; $10/on-demand witness; $5/additional signer | Low-volume (<=25 tx/mo) |
+| Premium | Custom pricing, billed annually | API access, fraud monitoring |
+| Enterprise | Contact sales | SSO, sandbox, dedicated CSM |
+
+**Key features:**
+- Notarize Network: on-demand notaries 24/7
+- Identity verification (NIST IAL2 compliant, $4/signer)
+- eSignature included ($4/transaction)
+- All 50 states compliant including Texas RON
+- REST API + webhooks (Premium+)
+- Custom co-branding available
+
+**Texas compliance:** HB 3496 (2017) + SB 1624 (2021) — two-way live audio-video, identity proofing (KBA + credential analysis), electronic journal, tamper-evident digital certificates.
+
+**Integration:** REST API embedded in web portal. Document templates pre-fill POA forms. User initiates notary session from within your portal.
+
+**Alternatives:**
+- NotaryCam: Custom quote, real-estate focused
+- Pavaso: Enterprise pricing, Texas-based but real-estate only
+- OneNotary: ~$25-35/ea, no public API
+
+## Electronic Certified Mail — LetterStream
+
+**URL:** https://www.letterstream.com
+
+**Pricing:**
+| Service | Starting Price |
+|---------|---------------|
+| Certified Mail | $8.34/letter |
+| Certified + Return Receipt | $10.34/letter |
+| First Class | $1.19/letter |
+
+No monthly fees, no minimums. REST API for document submission, tracking, and proof of delivery.
+
+## Digital Signatures — Documenso vs DocuSeal (under evaluation)
+
+Both open-source self-hosted. Comparison results will be added when the subagent returns.
+
+## Payments — ACH preferred
+
+- Stripe ACH: 0.8% capped at $5
+- Stripe Connect platform model: debtor -> platform account -> disbursement to customer
+- Credit cards: 2.9% + $0.30 (pass to debtor)
+
+## Estimated per-claim cost
+Notarization: ~$25-35 + Identity verification: ~$4 + Certified mail: ~$8.34 + Processing (ACH): ~$5 = ~$42-52 total (passed to debtor)
+
+## Full report
+See /root/api-research-report.md for complete pricing tables, comparison matrices, and Texas compliance details.