BINKY-WP-0005 finished: first Qonto pull and CostRunRate v2

Live custody path tenants/binky/qonto-api (API_KEY/API_USER). First read-only
thirdparty pull (122 txs): desk 297.50 €/mo, Qonto plan 70.80 €/mo, main
balance 2185.94 €. Evidence under finance/; workplan status finished.

finance/CostRunRate.md

@@ -1,48 +1,55 @@
 # Cost & Run-Rate Table
 
-> Status: v1 — 2026-07-16 (BINKY-WP-0003-T03, AWQ-004). Feeds the cash/runway
-> view (Finance Steward loop). Confidence per row; amounts marked **TBC**
-> need Qonto statements (OH-2026-003) or founder confirmation. Currency EUR
-> unless noted.
+> Status: v2 — 2026-07-21 (BINKY-WP-0005-T05 first Qonto pull). Feeds the
+> cash/runway view (Finance Steward loop). Currency EUR unless noted.
+> Evidence: `finance/qonto-first-pull-2026-07-21.json` (metadata only).
 
 ## Recurring costs
 
 | # | Item | Provider | Monthly (gross) | Paid from | Confidence / source |
 |---|------|----------|----------------:|-----------|---------------------|
-| 1 | Fixed desk, HUB31 Darmstadt | Technologie- u. Gründerzentrum Verwaltungs-GmbH | **TBC** | Qonto | Contract since 2019-04-01, renewed to **2027-04-01** (signed annex 2026-03-23); rent amount not in the annex — pull from Qonto |
+| 1 | Fixed desk, HUB31 Darmstadt | Technologie- u. Gründerzentrum Verwaltungs-GmbH | **297,50** | Qonto | Verified 2026-07-21 Qonto pull: label `HUB31`, `office_rental`, **33× 297,50 €** monthly since ≥2023-06; contract renewed to **2027-04-01** |
 | 2 | DATEV / IT pass-through | FSW (old StB) | ~40,31 (483,69/yr) | Qonto | Documented: invoice 2026/651 for Jan–Dec 2025. Continues only while DUO runs via FSW (RISK-007) |
-| 3 | StB fees (JA, filings) | FSW → Bohle-Horsmann (pending) | **TBC** (annual, not monthly) | Qonto | Mandate transition open (RISK-006); budget once new mandate quotes |
-| 4 | Qonto account | Qonto | **TBC** (founder: "expensive for usage") | Qonto | Plan review queued OH-2026-003; changes Red lane |
+| 3 | StB fees (JA, filings) | FSW → Bohle-Horsmann (pending) | **irregular / annual** | Qonto | Recent lumps (not monthly): FSW 2025-05 1 230,58 + 327,73; 2025-10 FSW/Weglarzy 1 138 + 261,80. Mandate transition open (RISK-006) |
+| 4 | Qonto account | Qonto | **70,80** | Qonto | Verified 2026-07-21: `operation_type=qonto_fee`, **70,80 €/mo since 2025-10** (was 35,40 mid-2025; 22,80 earlier). OH-2026-003: plan *change* still separate Red-lane decision |
 | 5 | bubble.io Starter Web Plan (app "coulomb") | Bubble Group Inc. | $32 | **founder private card** ⚠️ | Documented: invoice 2026-03-9049150, billed to private gmail/card |
 | 6 | AI subscriptions | various | **TBC** | **founder private** ⚠️ | Founder note 2026-03-24: paid privately, not itemized yet |
 | 7 | Domain(s): binky-hedgehog.com (+ inventory pending) | **TBC** | **TBC** (~1–3/mo typical) | **TBC** | AWQ-003 domain inventory will enumerate registrar + payer |
-| 8 | Stripe | Stripe | usage-based fees only | n/a | No fixed fee; per-transaction. One live subscription flows in |
-| 9 | railiance01 VM (4 vCPU / 16 GB RAM) | **TBC** (hosting provider) | 25,19 | **TBC** | Founder-stated 2026-07-16: upgraded to this size at 25,19 €/mo with **24-month commitment** (≈604,56 € total obligation, runs to ~2028-07). Provider + payment source to confirm. Other infra (workstation is private) — none known |
+| 8 | Stripe | Stripe | usage-based fees only | n/a | Credits ~8,55 €/mo observed on main account; no fixed fee |
+| 9 | railiance01 VM (4 vCPU / 16 GB RAM) | **TBC** (hosting provider) | 25,19 | **TBC** | Founder-stated 2026-07-16: 24-month commitment (≈604,56 € total). Not seen on Qonto Hauptkonto in sample — may be private card |
 
 ## Known recurring income
 
 | Item | Counterparty | Amount | Notes |
 |------|--------------|-------:|-------|
-| Meeting-room sublet share | Binect | 450 € per event (25% × 2 days × 900 €) | Founder note 2026-03-02; invoice still to be issued ("endlich abrechnen") — **open receivable** |
-| Stripe subscription | own/self | ~monthly sub price TBC | Proves pipeline since ~2025 |
+| Meeting-room sublet share | Binect | 450 € per event (25% × 2 days × 900 €) | Founder note 2026-03-02; **2026-06-02 credit 571,20 €** from Binect GmbH observed on Qonto (likely related; confirm vs open receivable) |
+| Stripe subscription | own/self | ~8,55 € credits observed | Pipeline alive; net after Stripe fees |
+
+## Snapshot (2026-07-21 first pull)
+
+| Account | Status | Balance (EUR) |
+|---------|--------|--------------:|
+| Hauptkonto (main) | active | **2 185,94** |
+| Kickstart Business | active | 0,00 |
+
+Org: Binky Hedgehog GmbH (`binky-hedgehog-gmbh-6923`). Transactions fetched: 122 (full history on main account via API pagination).
 
 ## Findings
 
-1. **Private/company bleed (⚠️ rows 5–6):** bubble.io and AI subscriptions
-   are company-purpose costs on private payment — cash-flow invisible to the
-   company and messy for the JA. Action: move to Qonto card or set up proper
-   Auslagenerstattung — needs StB advice → added to OH-2026-001 agenda.
-2. **Liquidity is thin:** founder note 2026-03-24 records a month where DUO
-   pass-through + desk rent were not covered by the Qonto balance. Until a
-   runway view exists, treat every new recurring cost as a Yellow decision.
-3. **Open receivable:** the 450 € Binect meeting-room billing was still
-   unissued as of March — verify status, else invoice (founder/Orange).
-4. **Biggest unknowns** are the desk rent and Qonto plan — both fall out of
-   one Qonto statement pull (OH-2026-003, already queued).
-5. **railiance01 commitment (2026-07-16):** the 24-month term makes this the
-   first multi-year obligation besides the desk — it belongs in the
-   contracts/obligations inventory (CompanyReactivationPlan.md). If it runs
-   over a private card like bubble.io, it joins the finding-1 cleanup.
+1. **Private/company bleed (⚠️ rows 5–6, possibly 9):** bubble.io and AI
+   subscriptions (and maybe railiance01) are company-purpose costs on private
+   payment — cash-flow invisible to the company. Action: move to Qonto card or
+   Auslagenerstattung → OH-2026-001 / StB advice.
+2. **Liquidity is thin but not empty:** main balance **2 185,94 €** (2026-07-21).
+   Desk + Qonto alone ≈ **368 €/mo** fixed company-account outflows before StB
+   lumps and DATEV. Still treat new recurring spend as Yellow.
+3. **Open receivable / Binect:** a **571,20 €** Binect credit landed 2026-06-02 —
+   reconcile against the 450 €/event sublet note and any outstanding invoices.
+4. **Desk + Qonto plan resolved** from the first pull (was the main TBC pair).
+5. **railiance01 commitment (2026-07-16):** 24-month term remains; not confirmed
+   on Qonto Hauptkonto in this pull — payment source still TBC.
+6. **Qonto plan cost stepped up:** 22,80 → 35,40 → **70,80 €/mo**. OH-2026-003
+   cost-vs-usage review still useful; plan *change* is a separate Red-lane step.
 
 ## Feeding adaptive-pricing (cost floor)
 
@@ -53,16 +60,16 @@ capture costs itself — when its Coulomb pricing project needs a cost floor,
 derive it from the run-rate here (railiance01 hosting is a direct
 infrastructure component of that floor).
 
-## Estimated run-rate (floor)
+## Estimated run-rate (company Qonto, verified floor)
 
-Documented + typical minimums only: DATEV ~40 + bubble ~30 + railiance01
-~25 + domains ~2 ≈ **~100 €/mo**, **plus** desk rent (likely the dominant
-cost, low hundreds) **plus** Qonto plan **plus** annual StB fees. A defensible total needs the
-Qonto pull; target: replace this paragraph with a verified figure after the
-next command day.
+Fixed on Qonto Hauptkonto: desk **297,50** + Qonto plan **70,80** + DATEV
+~**40** ≈ **~408 €/mo**, plus irregular StB lumps and usage Stripe fees.
+Add private-card company costs (bubble ~30 €, AI TBC, maybe railiance01 25)
+for a full economic picture — those do not hit the company balance today.
 
 ## Maintenance
 
 Update on: any new subscription, mandate quote, Qonto statement pull, or JA.
 Owner: Finance Steward loop (rhythm session may update rows; adding new
-recurring spend is never below Yellow lane).
+recurring spend is never below Yellow lane). Credential lane:
+`tenants/binky/qonto-api` via ops-warden `binky-qonto-api` (CCR-2026-0008).