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

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+# RON & Certified Mail API Research — Debt Recovery Domain
+
+Research performed July 2026. All data sourced from live page fetches of vendor websites.
+
+## Remote Online Notarization (RON) APIs
+
+### Proof (formerly Notarize) — https://www.proof.com
+
+| Dimension | Detail |
+|-----------|--------|
+| **Pricing (Pro)** | $25/notarization (in-house), $10/additional seal, $10/on-demand witness, $5/additional signer |
+| **Pricing (Premium)** | Billed annually, custom — API access tier |
+| **Identity verification** | $4/signer (NIST IAL2) |
+| **eSignature** | $4/transaction |
+| **API** | REST with webhooks (Premium+), sandbox (Enterprise) |
+| **Integrations** | Salesforce, eOriginal, Adobe eSign |
+| **Notary network** | 24/7 on-demand notaries via Notarize℠ Network |
+| **Texas compliant** | ✅ HB 3496 (2017), SB 1624 (2021) — audio-video, KBA, credential analysis, electronic journal |
+| **All 50 states** | ✅ Notarizations accepted nationwide |
+
+Plans: **Pro** (≤25 tx/mo), **Premium** (mid-size, billed annually, API access), **Enterprise** (custom, sandbox, SSO, dedicated CSM).
+
+### Pavaso — https://www.pavaso.com
+
+- Custom enterprise pricing only
+- Texas-based, focused on real estate eClosings
+- Platform for lenders, title companies, attorneys
+- Overkill for POA notarization in debt recovery
+
+### OneNotary — https://www.onenotary.com
+
+- Consumer-facing, ~$25-35/notarization
+- No public REST API advertised
+- Texas compliant but poor fit for portal integration
+
+### NotaryCam (PropLogos)
+
+- Enterprise custom pricing
+- SOAP/REST available for high-volume partners
+- Real-estate focused
+
+## Electronic Certified Mail APIs
+
+### LetterStream — https://www.letterstream.com
+
+| Dimension | Detail |
+|-----------|--------|
+| **Certified Mail** | $8.34/letter (as low as) — includes postage, tracking, signature |
+| **First-Class** | $1.23/letter (as low as) |
+| **Monthly fee** | $0 — no minimums |
+| **API** | REST — activate by emailing support@letterstream.com after creating account |
+| **API calls** | Send (single/batch), price check, PDF proof, status, Certified Mail tracing, signature retrieval, return envelopes, paper color |
+| **Proof of delivery** | USPS tracking number + signature retrieval via API |
+| **Activation speed** | "less than a day" per vendor |
+| **Platform** | Web portal + API + apps + integrations (CASS, eDoc) |
+
+### USPS Direct
+
+- No public REST API
+- Requires middleware (Endicia, Stamps.com, Pitney Bowes)
+- Certified Mail ~$7.00 + Electronic Return Receipt ~$2.10
+
+## Texas Compliance Notes
+
+**RON (HB 3496 / SB 1624):**
+- Two-way live audio-video communication required
+- Identity proofing via credential analysis + knowledge-based authentication
+- Audio-visual recording of the notarization session
+- Electronic notary journal
+- Tamper-evident digital certificate
+- Notary must be Texas-commissioned; signer can be anywhere
+
+**Certified Mail for legal service:**
+- Texas Rules of Civil Procedure allow service by certified mail, return receipt requested
+- Texas Business & Commerce Code recognizes electronic return receipts
+- Physical USPS Certified Mail with tracking + signature meets legal standards
+
+## Recommended Architecture
+
+```
+Debt Recovery Portal
+├── Proof API ────── Notarize POA, identity verify
+├── LetterStream ─── Send Certified Mail, retrieve signatures
+└── Stripe Connect ─ Collect payment, disburse to customer
+```
+
+**Estimated per-debtor cost:** ~$37-48 + processing fees (notary $25-35 + ID $4 + certified mail $8.34 + Stripe ~3.15%+$0.30)
+
+## Per-Transaction Pricing vs. Monthly Plans
+
+When comparing SaaS APIs for a platform model, check whether the vendor charges:
+- **Per-transaction** (good for variable volume — pay as you go)
+- **Monthly subscription + per-transaction overage** (good for predictable volume)
+- **Enterprise/annual commitment** (good for high volume — negotiate a custom rate)
+
+Proof's Pro tier is per-transaction (no monthly commitment). Premium and Enterprise are annual. LetterStream is purely per-transaction with no monthly fees.