diff --git a/README.md b/README.md
index d00cef36..e2b0a83f 100644
--- a/README.md
+++ b/README.md
@@ -1,77 +1,31 @@
-# Intercom
+# Fractional Trading Cards (RWA) on Intercom
 
-This repository is a reference implementation of the **Intercom** stack on Trac Network for an **internet of agents**.
+This is an experimental project exploring **fractional ownership** using **Intercom**.
 
-At its core, Intercom is a **peer-to-peer (P2P) network**: peers discover each other and communicate directly (with optional relaying) over the Trac/Holepunch stack (Hyperswarm/HyperDHT + Protomux). There is no central server required for sidechannel messaging.
+Trading cards are the initial focus because they already sit at the intersection of **physical assets** and **digital ownership**. Their ongoing digitalization and active trading culture make them a natural starting point for testing decentralized, fractional ownership models.
 
-Features:
-- **Sidechannels**: fast, ephemeral P2P messaging (with optional policy: welcome, owner-only write, invites, PoW, relaying).
-- **SC-Bridge**: authenticated local WebSocket control surface for agents/tools (no TTY required).
-- **Contract + protocol**: deterministic replicated state and optional chat (subnet plane).
-- **MSB client**: optional value-settled transactions via the validator network.
+This repo is a fork-based exploration built on Intercom’s peer-to-peer stack: direct communication, deterministic shared state (contracts), and optional value settlement — without relying on a central platform.
 
-Additional references: https://www.moltbook.com/post/9ddd5a47-4e8d-4f01-9908-774669a11c21 and moltbook m/intercom
+## What this aims to build (MVP)
 
-For full, agent‑oriented instructions and operational guidance, **start with `SKILL.md`**.  
-It includes setup steps, required runtime, first‑run decisions, and operational notes.
+**Each trading card becomes its own peer-to-peer asset network:**
+- A dedicated **P2P channel** for real-time coordination between holders
+- A replicated **ownership state** (shares / cap table) maintained by a contract
+- A simple **offer/accept** flow for peer-to-peer share transfers
+- Optional settlement later (crypto payments), once the core ownership model is proven
 
-## What this repo is for
-- A working, pinned example to bootstrap agents and peers onto Trac Network.
-- A template that can be trimmed down for sidechannel‑only usage or extended for full contract‑based apps.
+## Why Intercom
 
-## How to use
-Use the **Pear runtime only** (never native node).  
-Follow the steps in `SKILL.md` to install dependencies, run the admin peer, and join peers correctly.
+Intercom provides:
+- **Sidechannels**: fast P2P messaging for coordination
+- **Subnet contracts**: deterministic replicated state for ownership
+- **SC-Bridge**: a local authenticated WebSocket interface for apps/agents (no TTY required)
+- Optional **settlement** for value transfer
 
-## Architecture (ASCII map)
-Intercom is a single long-running Pear process that participates in three distinct networking "planes":
-- **Subnet plane**: deterministic state replication (Autobase/Hyperbee over Hyperswarm/Protomux).
-- **Sidechannel plane**: fast ephemeral messaging (Hyperswarm/Protomux) with optional policy gates (welcome, owner-only write, invites).
-- **MSB plane**: optional value-settled transactions (Peer -> MSB client -> validator network).
+## Status
 
-```text
-                          Pear runtime (mandatory)
-                pear run . --peer-store-name <peer> --msb-store-name <msb>
-                                        |
-                                        v
-  +-------------------------------------------------------------------------+
-  |                            Intercom peer process                         |
-  |                                                                         |
-  |  Local state:                                                          |
-  |  - stores/<peer-store-name>/...   (peer identity, subnet state, etc)    |
-  |  - stores/<msb-store-name>/...    (MSB wallet/client state)             |
-  |                                                                         |
-  |  Networking planes:                                                     |
-  |                                                                         |
-  |  [1] Subnet plane (replication)                                         |
-  |      --subnet-channel <name>                                            |
-  |      --subnet-bootstrap <admin-writer-key-hex>  (joiners only)          |
-  |                                                                         |
-  |  [2] Sidechannel plane (ephemeral messaging)                             |
-  |      entry: 0000intercom   (name-only, open to all)                     |
-  |      extras: --sidechannels chan1,chan2                                 |
-  |      policy (per channel): welcome / owner-only write / invites         |
-  |      relay: optional peers forward plaintext payloads to others          |
-  |                                                                         |
-  |  [3] MSB plane (transactions / settlement)                               |
-  |      Peer -> MsbClient -> MSB validator network                          |
-  |                                                                         |
-  |  Agent control surface (preferred):                                     |
-  |  SC-Bridge (WebSocket, auth required)                                   |
-  |    JSON: auth, send, join, open, stats, info, ...                       |
-  +------------------------------+------------------------------+-----------+
-                                 |                              |
-                                 | SC-Bridge (ws://host:port)   | P2P (Hyperswarm)
-                                 v                              v
-                       +-----------------+            +-----------------------+
-                       | Agent / tooling |            | Other peers (P2P)     |
-                       | (no TTY needed) |<---------->| subnet + sidechannels |
-                       +-----------------+            +-----------------------+
+Experimental — research & prototype phase.
 
-  Optional for local testing:
-  - --dht-bootstrap "<host:port,host:port>" overrides the peer's HyperDHT bootstraps
-    (all peers that should discover each other must use the same list).
-```
+## Based on
 
----
-If you plan to build your own app, study the existing contract/protocol and remove example logic as needed (see `SKILL.md`).
+Intercom by Trac Systems: https://github.com/Trac-Systems/intercom
diff --git a/TradingCards b/TradingCards
new file mode 100644
index 00000000..8f8eeada
--- /dev/null
+++ b/TradingCards
@@ -0,0 +1,90 @@
+# Fractional Ownership for Trading Cards using Intercom
+
+What if you could own a fraction of a rare trading card—for as little as $10?
+
+This project explores how real-world collectibles like Pokémon, sports cards, or other high-value trading cards can become shared, peer-to-peer owned assets. Instead of relying on centralized platforms, ownership, communication, and trading happen directly between participants using Intercom’s decentralized infrastructure.
+
+Each card becomes its own digital coordination space where holders can:
+
+* own fractions of the asset
+* trade shares directly with others
+* coordinate decisions (e.g. sell, hold, auction)
+* communicate peer-to-peer without intermediaries
+
+This lowers the barrier to entry for collectors and investors, and enables new forms of shared ownership around real-world assets.
+
+---
+
+# Why Intercom
+
+Intercom provides a peer-to-peer networking stack designed for an “internet of agents,” enabling secure communication, shared state, and optional value transfer without centralized servers.
+
+By combining Intercom with fractional ownership logic, each trading card becomes:
+
+* a **peer-to-peer asset channel**
+* a **replicated ownership state** managed by contracts
+* a **coordination layer** for holders
+* a **marketplace without a platform**
+
+This means the asset itself becomes the platform.
+
+---
+
+# Concept Overview
+
+Each trading card is represented as:
+
+**1. Asset Channel (Sidechannel)**
+A dedicated Intercom sidechannel for real-time communication and coordination between holders.
+
+**2. Ownership Contract (Subnet plane)**
+A deterministic replicated state storing:
+
+* total shares
+* ownership distribution
+* transfer history
+
+**3. Peer-to-Peer Trading**
+Participants can transfer ownership directly, without centralized custody.
+
+**4. Optional Settlement Layer**
+Value transfer can be integrated using crypto settlement if required.
+
+---
+
+# Goals of this Repository
+
+This fork serves as an experimental foundation to explore:
+
+* Fractional ownership of real-world collectibles
+* Peer-to-peer asset coordination
+* Decentralized asset communities
+* Agent-native ownership and trading models
+
+---
+
+# Vision
+
+Fractional ownership will transform how real-world assets are owned and traded.
+
+Trading cards are the ideal starting point:
+
+* highly liquid
+* globally recognized
+* culturally significant
+* crypto-native audience
+
+This project is a step toward a future where any real-world asset can exist as a peer-to-peer owned, digitally coordinated entity.
+
+---
+
+# Status
+
+Experimental. Early exploration and prototype phase.
+
+---
+
+# Based on
+
+Intercom by Trac Systems
+https://github.com/Trac-Systems/intercom
diff --git a/contract.js b/contract.js
new file mode 100644
index 00000000..2cc95f27
--- /dev/null
+++ b/contract.js
@@ -0,0 +1,106 @@
+/**
+ * Fractional Trading Card Ownership Contract (MVP)
+ *
+ * Deterministic replicated state:
+ * - assets[assetId] = { assetId, totalShares, createdAt }
+ * - holders[assetId][address] = shares
+ *
+ * Commands:
+ * - create_asset
+ * - transfer_shares
+ * - read_asset
+ * - read_holders
+ *
+ * Notes:
+ * - Minimal prototype. No settlement.
+ * - Compatible with Protocol.mapTxCommand() which provides { type, value }.
+ */
+
+export default function contract (state = {}, message = {}) {
+  state.assets ??= {};
+  state.holders ??= {};
+
+  const { type, from } = message;
+
+  // IMPORTANT: tx protocol may deliver payload as message.value
+  const args = message.args ?? message.value ?? {};
+
+  const asInt = (v) => {
+    const n = Number(v);
+    if (!Number.isFinite(n) || !Number.isInteger(n)) throw new Error("INVALID_INT");
+    return n;
+  };
+
+  const ensureAsset = (assetId) => {
+    const a = state.assets[assetId];
+    if (!a) throw new Error("ASSET_NOT_FOUND");
+    state.holders[assetId] ??= {};
+    return a;
+  };
+
+  if (type === "create_asset") {
+    const assetId = String(args.assetId || "").trim();
+    if (!assetId) throw new Error("ASSET_ID_REQUIRED");
+
+    const totalShares = asInt(args.totalShares);
+    if (totalShares <= 0) throw new Error("TOTAL_SHARES_INVALID");
+
+    const initialOwner = String(args.initialOwner || from || "").trim();
+    if (!initialOwner) throw new Error("INITIAL_OWNER_REQUIRED");
+
+    if (state.assets[assetId]) throw new Error("ASSET_ALREADY_EXISTS");
+
+    state.assets[assetId] = {
+      assetId,
+      totalShares,
+      createdAt: Date.now()
+    };
+
+    state.holders[assetId] = {
+      [initialOwner]: totalShares
+    };
+
+    return state;
+  }
+
+  if (type === "transfer_shares") {
+    const assetId = String(args.assetId || "").trim();
+    const to = String(args.to || "").trim();
+    const shares = asInt(args.shares);
+
+    if (!assetId) throw new Error("ASSET_ID_REQUIRED");
+    if (!to) throw new Error("TO_REQUIRED");
+    if (shares <= 0) throw new Error("SHARES_INVALID");
+
+    ensureAsset(assetId);
+
+    const fromAddr = String(from || "").trim();
+    if (!fromAddr) throw new Error("FROM_REQUIRED");
+
+    const holders = (state.holders[assetId] ??= {});
+    const fromBal = asInt(holders[fromAddr] || 0);
+    if (fromBal < shares) throw new Error("INSUFFICIENT_SHARES");
+
+    holders[fromAddr] = fromBal - shares;
+    holders[to] = asInt(holders[to] || 0) + shares;
+
+    if (holders[fromAddr] === 0) delete holders[fromAddr];
+    return state;
+  }
+
+  if (type === "read_asset") {
+    const assetId = String(args.assetId || "").trim();
+    if (!assetId) throw new Error("ASSET_ID_REQUIRED");
+    const asset = state.assets[assetId] || null;
+    return { asset };
+  }
+
+  if (type === "read_holders") {
+    const assetId = String(args.assetId || "").trim();
+    if (!assetId) throw new Error("ASSET_ID_REQUIRED");
+    const holders = state.holders[assetId] || {};
+    return { holders };
+  }
+
+  return state;
+}
diff --git a/contract/contract.js b/contract/contract.js
index f661e5fc..e3c90bc1 100644
--- a/contract/contract.js
+++ b/contract/contract.js
@@ -1,240 +1,112 @@
-import {Contract} from 'trac-peer'
-
-class SampleContract extends Contract {
-    /**
-     * Extending from Contract inherits its capabilities and allows you to define your own contract.
-     * The contract supports the corresponding protocol. Both files come in pairs.
-     *
-     * Instances of this class run in contract context. The constructor is only called once on Peer
-     * instantiation.
-     *
-     * Please avoid using the following in your contract functions:
-     *
-     * No try-catch
-     * No throws
-     * No random values
-     * No http / api calls
-     * No super complex, costly calculations
-     * No massive storage of data.
-     * Never, ever modify "this.op" or "this.value", only read from it and use safeClone to modify.
-     * ... basically nothing that can lead to inconsistencies akin to Blockchain smart contracts.
-     *
-     * Running a contract on Trac gives you a lot of freedom, but it comes with additional responsibility.
-     * Make sure to benchmark your contract performance before release.
-     *
-     * If you need to inject data from "outside", you can utilize the Feature class and create your own
-     * oracles. Instances of Feature can be injected into the main Peer instance and enrich your contract.
-     *
-     * In the current version (Release 1), there is no inter-contract communication yet.
-     * This means it's not suitable yet for token standards.
-     * However, it's perfectly equipped for interoperability or standalone tasks.
-     *
-     * this.protocol: the peer's instance of the protocol managing contract concerns outside of its execution.
-     * this.options: the option stack passed from Peer instance
-     *
-     * @param protocol
-     * @param options
-     */
-    constructor(protocol, options = {}) {
-        // calling super and passing all parameters is required.
-        super(protocol, options);
-
-        // simple function registration.
-        // since this function does not expect value payload, no need to sanitize.
-        // note that the function must match the type as set in Protocol.mapTxCommand()
-        this.addFunction('storeSomething');
-
-        // now we register the function with a schema to prevent malicious inputs.
-        // the contract uses the schema generator "fastest-validator" and can be found on npmjs.org.
-        //
-        // Since this is the "value" as of Protocol.mapTxCommand(), we must take it full into account.
-        // $$strict : true tells the validator for the object structure to be precise after "value".
-        //
-        // note that the function must match the type as set in Protocol.mapTxCommand()
-        this.addSchema('submitSomething', {
-            value : {
-                $$strict : true,
-                $$type: "object",
-                op : { type : "string", min : 1, max: 128 },
-                some_key : { type : "string", min : 1, max: 128 }
-            }
-        });
-
-        // in preparation to add an external Feature (aka oracle), we add a loose schema to make sure
-        // the Feature key is given properly. it's not required, but showcases that even these can be
-        // sanitized.
-        this.addSchema('feature_entry', {
-            key : { type : "string", min : 1, max: 256 },
-            value : { type : "any" }
-        });
-
-        // read helpers (no state writes)
-        this.addFunction('readSnapshot');
-        this.addFunction('readChatLast');
-        this.addFunction('readTimer');
-        this.addSchema('readKey', {
-            value : {
-                $$strict : true,
-                $$type: "object",
-                op : { type : "string", min : 1, max: 128 },
-                key : { type : "string", min : 1, max: 256 }
-            }
-        });
-
-        // now we are registering the timer feature itself (see /features/time/ in package).
-        // note the naming convention for the feature name <feature-name>_feature.
-        // the feature name is given in app setup, when passing the feature classes.
-        const _this = this;
-
-        // this feature registers incoming data from the Feature and if the right key is given,
-        // stores it into the smart contract storage.
-        // the stored data can then be further used in regular contract functions.
-        this.addFeature('timer_feature', async function(){
-            if(false === _this.check.validateSchema('feature_entry', _this.op)) return;
-            if(_this.op.key === 'currentTime') {
-                if(null === await _this.get('currentTime')) console.log('timer started at', _this.op.value);
-                await _this.put(_this.op.key, _this.op.value);
-            }
-        });
-
-        // last but not least, you may intercept messages from the built-in
-        // chat system, and perform actions similar to features to enrich your
-        // contract. check the _this.op value after you enabled the chat system
-        // and posted a few messages.
-        this.messageHandler(async function(){
-            if(_this.op?.type === 'msg' && typeof _this.op.msg === 'string'){
-                const currentTime = await _this.get('currentTime');
-                await _this.put('chat_last', {
-                    msg: _this.op.msg,
-                    address: _this.op.address ?? null,
-                    at: currentTime ?? null
-                });
-            }
-            console.log('message triggered contract', _this.op);
-        });
-    }
+const STATE_KEY = 'fo_state_v1';
 
-    /**
-     * A simple contract function without values (=no parameters).
-     *
-     * Contract functions must be registered through either "this.addFunction" or "this.addSchema"
-     * or it won't execute upon transactions. "this.addFunction" does not sanitize values, so it should be handled with
-     * care or be used when no payload is to be expected.
-     *
-     * Schema is recommended to sanitize incoming data from the transaction payload.
-     * The type of payload data depends on your protocol.
-     *
-     * This particular function does not expect any payload, so it's fine to be just registered using "this.addFunction".
-     *
-     * However, as you can see below, what it does is checking if an entry for key "something" exists already.
-     * With the very first tx executing it, it will return "null" (default value of this.get if no value found).
-     * From the 2nd tx onwards, it will print the previously stored value "there is something".
-     *
-     * It is recommended to check for null existence before using put to avoid duplicate content.
-     *
-     * As a rule of thumb, all "this.put()" should go at the end of function execution to avoid code security issues.
-     *
-     * Putting data is atomic, should a Peer with a contract interrupt, the put won't be executed.
-     */
-    async storeSomething(){
-        const something = await this.get('something');
-
-        console.log('is there already something?', something);
-
-        if(null === something) {
-            await this.put('something', 'there is something');
-        }
-    }
+function asInt(v) {
+  const n = Number(v);
+  if (!Number.isFinite(n) || !Number.isInteger(n)) throw new Error('INVALID_INT');
+  return n;
+}
+
+function clone(obj) {
+  return JSON.parse(JSON.stringify(obj));
+}
 
-    /**
-     * Now we are using the schema-validated function defined in the constructor.
-     *
-     * The function also showcases some of the handy features like safe functions
-     * to prevent throws and safe bigint/decimal conversion.
-     */
-    async submitSomething(){
-        // the value of some_key shouldn't be empty, let's check that
-        if(this.value.some_key === ''){
-            return new Error('Cannot be empty');
-            // alternatively false for generic errors:
-            // return false;
-        }
+export default class FractionalOwnershipContract {
 
-        // of course the same works with assert (always use this.assert)
-        this.assert(this.value.some_key !== '', new Error('Cannot be empty'));
+  emptyPromise() { return Promise.resolve(); }
 
-        // btw, please use safeBigInt provided by the contract protocol's superclass
-        // to calculate big integers:
-        const bigint = this.protocol.safeBigInt("1000000000000000000");
+  isReservedKey() { return false; }
 
-        // making sure it didn't fail
-        this.assert(bigint !== null);
+  async _getState(storage) {
+    const row = await storage.get(STATE_KEY);
+    if (!row || row.value == null) return { assets: {}, holders: {} };
+    return clone(row.value);
+  }
 
-        // you can also convert a bigint string into its decimal representation (as string)
-        const decimal = this.protocol.fromBigIntString(bigint.toString(), 18);
+  async execute(op, storage) {
 
-        // and back into a bigint string
-        const bigint_string = this.protocol.toBigIntString(decimal, 18);
+    if (op.type !== 'tx') return null;
 
-        // let's clone the value
-        const cloned = this.protocol.safeClone(this.value);
+    const dispatch = op.value.dispatch;
 
-        // we want to pass the time from the timer feature.
-        // since mmodifications of this.value is not allowed, add this to the clone instead for storing:
-        cloned['timestamp'] = await this.get('currentTime');
+    const type = dispatch.type;
+    const args = dispatch.value || {};
 
-        // making sure it didn't fail (be aware of false-positives if null is passed to safeClone)
-        this.assert(cloned !== null);
+    const state = await this._getState(storage);
 
-        // and now let's stringify the cloned value
-        const stringified = this.protocol.safeJsonStringify(cloned);
+    if (type === 'create_asset') {
 
-        // and, you guessed it, best is to assert against null once more
-        this.assert(stringified !== null);
+      const assetId = args.assetId;
+      const totalShares = asInt(args.totalShares);
 
-        // and guess we are parsing it back
-        const parsed = this.protocol.safeJsonParse(stringified);
+      const owner = op.value.ipk;
 
-        // parsing the json is a bit different: instead of null, we check against undefined:
-        this.assert(parsed !== undefined);
+      state.assets[assetId] = {
 
-        // finally we are storing what address submitted the tx and what the value was
-        await this.put('submitted_by/'+this.address, parsed.some_key);
+        assetId,
+        totalShares
 
-        // printing into the terminal works, too of course:
-        console.log('submitted by', this.address, parsed);
-    }
+      };
+
+      state.holders[assetId] = {
+
+        [owner]: totalShares
+
+      };
+
+      return {
+
+        type: 'put',
+        key: STATE_KEY,
+        value: state
+
+      };
 
-    async readSnapshot(){
-        const something = await this.get('something');
-        const currentTime = await this.get('currentTime');
-        const msgl = await this.get('msgl');
-        const msg0 = await this.get('msg/0');
-        const msg1 = await this.get('msg/1');
-        console.log('snapshot', {
-            something,
-            currentTime,
-            msgl: msgl ?? 0,
-            msg0,
-            msg1
-        });
     }
 
-    async readKey(){
-        const key = this.value?.key;
-        const value = key ? await this.get(key) : null;
-        console.log(`readKey ${key}:`, value);
+    if (type === 'transfer_shares') {
+
+      const assetId = args.assetId;
+      const to = args.to;
+      const shares = asInt(args.shares);
+
+      const from = op.value.ipk;
+
+      const holders = state.holders[assetId];
+
+      if (!holders) throw new Error('NO_ASSET');
+
+      if (!holders[from]) throw new Error('NO_BALANCE');
+
+      if (holders[from] < shares) throw new Error('INSUFFICIENT');
+
+      holders[from] -= shares;
+
+      holders[to] = (holders[to] || 0) + shares;
+
+      return {
+
+        type: 'put',
+        key: STATE_KEY,
+        value: state
+
+      };
+
     }
 
-    async readChatLast(){
-        const last = await this.get('chat_last');
-        console.log('chat_last:', last);
+    if (type === 'read_holders') {
+
+      return state.holders;
+
     }
 
-    async readTimer(){
-        const currentTime = await this.get('currentTime');
-        console.log('currentTime:', currentTime);
+    if (type === 'read_asset') {
+
+      return state.assets;
+
     }
-}
 
-export default SampleContract;
+    return null;
+
+  }
+
+}
diff --git a/contract/protocol.js b/contract/protocol.js
index 7345bdab..db809751 100644
--- a/contract/protocol.js
+++ b/contract/protocol.js
@@ -1,599 +1,90 @@
-import {Protocol} from "trac-peer";
-import { bufferToBigInt, bigIntToDecimalString } from "trac-msb/src/utils/amountSerialization.js";
-import b4a from "b4a";
-import PeerWallet from "trac-wallet";
-import fs from "fs";
-
-const stableStringify = (value) => {
-    if (value === null || value === undefined) return 'null';
-    if (typeof value !== 'object') return JSON.stringify(value);
-    if (Array.isArray(value)) {
-        return `[${value.map(stableStringify).join(',')}]`;
-    }
-    const keys = Object.keys(value).sort();
-    return `{${keys.map((key) => `${JSON.stringify(key)}:${stableStringify(value[key])}`).join(',')}}`;
-};
-
-const normalizeInvitePayload = (payload) => {
-    return {
-        channel: String(payload?.channel ?? ''),
-        inviteePubKey: String(payload?.inviteePubKey ?? '').trim().toLowerCase(),
-        inviterPubKey: String(payload?.inviterPubKey ?? '').trim().toLowerCase(),
-        inviterAddress: payload?.inviterAddress ?? null,
-        issuedAt: Number(payload?.issuedAt),
-        expiresAt: Number(payload?.expiresAt),
-        nonce: String(payload?.nonce ?? ''),
-        version: Number.isFinite(payload?.version) ? Number(payload.version) : 1,
-    };
-};
-
-const normalizeWelcomePayload = (payload) => {
-    return {
-        channel: String(payload?.channel ?? ''),
-        ownerPubKey: String(payload?.ownerPubKey ?? '').trim().toLowerCase(),
-        text: String(payload?.text ?? ''),
-        issuedAt: Number(payload?.issuedAt),
-        version: Number.isFinite(payload?.version) ? Number(payload.version) : 1,
-    };
-};
-
-const parseInviteArg = (raw) => {
+import { Protocol } from "trac-peer";
+
+/**
+ * Fractional Trading Cards Protocol (MVP)
+ *
+ * Maps /tx --command "<string>" into contract messages: { type, value }
+ *
+ * Supported:
+ * - create_asset <assetId> <totalShares> [initialOwner]
+ * - transfer_shares <assetId> <to> <shares>
+ * - read_asset <assetId>
+ * - read_holders <assetId>
+ *
+ * Also supports JSON:
+ * /tx --command '{"op":"create_asset","assetId":"...","totalShares":10000,"initialOwner":"..."}'
+ */
+
+export default class FractionalProtocol extends Protocol {
+  _safeJsonParse(text) {
+    try { return JSON.parse(text); } catch { return null; }
+  }
+
+  mapTxCommand(command) {
+    const raw = String(command ?? "").trim();
     if (!raw) return null;
-    let text = String(raw || '').trim();
-    if (!text) return null;
-    if (text.startsWith('@')) {
-        try {
-            text = fs.readFileSync(text.slice(1), 'utf8').trim();
-        } catch (_e) {
-            return null;
-        }
-    }
-    if (text.startsWith('b64:')) text = text.slice(4);
-    if (text.startsWith('{')) {
-        try {
-            return JSON.parse(text);
-        } catch (_e) {}
-    }
-    try {
-        const decoded = b4a.toString(b4a.from(text, 'base64'));
-        return JSON.parse(decoded);
-    } catch (_e) {}
-    return null;
-};
 
-const parseWelcomeArg = (raw) => {
-    if (!raw) return null;
-    let text = String(raw || '').trim();
-    if (!text) return null;
-    if (text.startsWith('@')) {
-        try {
-            text = fs.readFileSync(text.slice(1), 'utf8').trim();
-        } catch (_e) {
-            return null;
-        }
+    // JSON form
+    if (raw.startsWith("{")) {
+      const json = this._safeJsonParse(raw);
+      if (!json || typeof json !== "object" || !json.op) return null;
+
+      if (json.op === "create_asset") {
+        return { type: "create_asset", value: { assetId: json.assetId, totalShares: json.totalShares, initialOwner: json.initialOwner } };
+      }
+      if (json.op === "transfer_shares") {
+        return { type: "transfer_shares", value: { assetId: json.assetId, to: json.to, shares: json.shares } };
+      }
+      if (json.op === "read_asset") {
+        return { type: "read_asset", value: { assetId: json.assetId } };
+      }
+      if (json.op === "read_holders") {
+        return { type: "read_holders", value: { assetId: json.assetId } };
+      }
+
+      return null;
     }
-    if (text.startsWith('b64:')) text = text.slice(4);
-    if (text.startsWith('{')) {
-        try {
-            return JSON.parse(text);
-        } catch (_e) {}
-    }
-    try {
-        const decoded = b4a.toString(b4a.from(text, 'base64'));
-        return JSON.parse(decoded);
-    } catch (_e) {}
-    return null;
-};
 
-class SampleProtocol extends Protocol{
+    // Plain string form
+    const parts = raw.split(/\s+/);
+    const op = parts[0];
 
-    /**
-     * Extending from Protocol inherits its capabilities and allows you to define your own protocol.
-     * The protocol supports the corresponding contract. Both files come in pairs.
-     *
-     * Instances of this class do NOT run in contract context. The constructor is only called once on Protocol
-     * instantiation.
-     *
-     * this.peer: an instance of the entire Peer class, the actual node that runs the contract and everything else.
-     * this.base: the database engine, provides await this.base.view.get('key') to get unsigned data (not finalized data).
-     * this.options: the option stack passed from Peer instance.
-     *
-     * @param peer
-     * @param base
-     * @param options
-     */
-    constructor(peer, base, options = {}) {
-        // calling super and passing all parameters is required.
-        super(peer, base, options);
+    if (op === "create_asset") {
+      const assetId = parts[1];
+      const totalShares = Number(parts[2]);
+      const initialOwner = parts[3]; // optional
+      return { type: "create_asset", value: { assetId, totalShares, initialOwner } };
     }
 
-    /**
-     * The Protocol superclass ProtocolApi instance already provides numerous api functions.
-     * You can extend the built-in api based on your protocol requirements.
-     *
-     * @returns {Promise<void>}
-     */
-    async extendApi(){
-        this.api.getSampleData = function(){
-            return 'Some sample data';
-        }
+    if (op === "transfer_shares") {
+      const assetId = parts[1];
+      const to = parts[2];
+      const shares = Number(parts[3]);
+      return { type: "transfer_shares", value: { assetId, to, shares } };
     }
 
-    /**
-     * In order for a transaction to successfully trigger,
-     * you need to create a mapping for the incoming tx command,
-     * pointing at the contract function to execute.
-     *
-     * You can perform basic sanitization here, but do not use it to protect contract execution.
-     * Instead, use the built-in schema support for in-contract sanitization instead
-     * (Contract.addSchema() in contract constructor).
-     *
-     * @param command
-     * @returns {{type: string, value: *}|null}
-     */
-    mapTxCommand(command){
-        // prepare the payload
-        let obj = { type : '', value : null };
-        /*
-        Triggering contract function in terminal will look like this:
-
-        /tx --command 'something'
-
-        You can also simulate a tx prior broadcast
-
-        /tx --command 'something' --sim 1
-
-        To programmatically execute a transaction from "outside",
-        the api function "this.api.tx()" needs to be exposed by adding
-        "api_tx_exposed : true" to the Peer instance options.
-        Once exposed, it can be used directly through peer.protocol_instance.api.tx()
-
-        Please study the superclass of this Protocol and Protocol.api to learn more.
-        */
-        if(command === 'something'){
-            // type points at the "storeSomething" function in the contract.
-            obj.type = 'storeSomething';
-            // value can be null as there is no other payload, but the property must exist.
-            obj.value = null;
-            // return the payload to be used in your contract
-            return obj;
-        } else if (command === 'read_snapshot') {
-            obj.type = 'readSnapshot';
-            obj.value = null;
-            return obj;
-        } else if (command === 'read_chat_last') {
-            obj.type = 'readChatLast';
-            obj.value = null;
-            return obj;
-        } else if (command === 'read_timer') {
-            obj.type = 'readTimer';
-            obj.value = null;
-            return obj;
-        } else {
-            /*
-            now we assume our protocol allows to submit a json string with information
-            what to do (the op) then we pass the parsed object to the value.
-            the accepted json string can be executed as tx like this:
-
-            /tx --command '{ "op" : "do_something", "some_key" : "some_data" }'
-
-            Of course we can simulate this, as well:
-
-            /tx --command '{ "op" : "do_something", "some_key" : "some_data" }' --sim 1
-            */
-            const json = this.safeJsonParse(command);
-            if(json.op !== undefined && json.op === 'do_something'){
-                obj.type = 'submitSomething';
-                obj.value = json;
-                return obj;
-            } else if (json.op !== undefined && json.op === 'read_key') {
-                obj.type = 'readKey';
-                obj.value = json;
-                return obj;
-            } else if (json.op !== undefined && json.op === 'read_chat_last') {
-                obj.type = 'readChatLast';
-                obj.value = null;
-                return obj;
-            } else if (json.op !== undefined && json.op === 'read_timer') {
-                obj.type = 'readTimer';
-                obj.value = null;
-                return obj;
-            }
-        }
-        // return null if no case matches.
-        // if you do not return null, your protocol might behave unexpected.
-        return null;
+    if (op === "read_asset") {
+      const assetId = parts[1];
+      return { type: "read_asset", value: { assetId } };
     }
 
-    /**
-     * Prints additional options for your protocol underneath the system ones in terminal.
-     *
-     * @returns {Promise<void>}
-     */
-    async printOptions(){
-        console.log(' ');
-        console.log('- Sample Commands:');
-        console.log("- /print | use this flag to print some text to the terminal: '--text \"I am printing\"");
-        console.log('- /get --key "<key>" [--confirmed true|false] | reads subnet state key (confirmed defaults to true).');
-        console.log('- /msb | prints MSB txv + lengths (local MSB node view).');
-        console.log('- /tx --command "read_chat_last" | prints last chat message captured by contract.');
-        console.log('- /tx --command "read_timer" | prints current timer feature value.');
-        console.log('- /sc_join --channel "<name>" | join an ephemeral sidechannel (no autobase).');
-        console.log('- /sc_open --channel "<name>" [--via "<channel>"] [--invite <json|b64|@file>] [--welcome <json|b64|@file>] | request others to open a sidechannel.');
-        console.log('- /sc_send --channel "<name>" --message "<text>" [--invite <json|b64|@file>] | send message over sidechannel.');
-        console.log('- /sc_invite --channel "<name>" --pubkey "<peer-pubkey-hex>" [--ttl <sec>] [--welcome <json|b64|@file>] | create a signed invite.');
-        console.log('- /sc_welcome --channel "<name>" --text "<message>" | create a signed welcome.');
-        console.log('- /sc_stats | show sidechannel channels + connection count.');
-        // further protocol specific options go here
+    if (op === "read_holders") {
+      const assetId = parts[1];
+      return { type: "read_holders", value: { assetId } };
     }
 
-    /**
-     * Extend the terminal system commands and execute your custom ones for your protocol.
-     * This is not transaction execution itself (though can be used for it based on your requirements).
-     * For transactions, use the built-in /tx command in combination with command mapping (see above)
-     *
-     * @param input
-     * @returns {Promise<void>}
-     */
-    async customCommand(input) {
-        await super.tokenizeInput(input);
-        if (this.input.startsWith("/get")) {
-            const m = input.match(/(?:^|\s)--key(?:=|\s+)(\"[^\"]+\"|'[^']+'|\S+)/);
-            const raw = m ? m[1].trim() : null;
-            if (!raw) {
-                console.log('Usage: /get --key "<hyperbee-key>" [--confirmed true|false] [--unconfirmed 1]');
-                return;
-            }
-            const key = raw.replace(/^\"(.*)\"$/, "$1").replace(/^'(.*)'$/, "$1");
-            const confirmedMatch = input.match(/(?:^|\s)--confirmed(?:=|\s+)(\S+)/);
-            const unconfirmedMatch = input.match(/(?:^|\s)--unconfirmed(?:=|\s+)?(\S+)?/);
-            const confirmed = unconfirmedMatch ? false : confirmedMatch ? confirmedMatch[1] === "true" || confirmedMatch[1] === "1" : true;
-            const v = confirmed ? await this.getSigned(key) : await this.get(key);
-            console.log(v);
-            return;
-        }
-        if (this.input.startsWith("/msb")) {
-            const txv = await this.peer.msbClient.getTxvHex();
-            const peerMsbAddress = this.peer.msbClient.pubKeyHexToAddress(this.peer.wallet.publicKey);
-            const entry = await this.peer.msbClient.getNodeEntryUnsigned(peerMsbAddress);
-            const balance = entry?.balance ? bigIntToDecimalString(bufferToBigInt(entry.balance)) : 0;
-            const feeBuf = this.peer.msbClient.getFee();
-            const fee = feeBuf ? bigIntToDecimalString(bufferToBigInt(feeBuf)) : 0;
-            const validators = this.peer.msbClient.getConnectedValidatorsCount();
-            console.log({
-                networkId: this.peer.msbClient.networkId,
-                msbBootstrap: this.peer.msbClient.bootstrapHex,
-                txv,
-                msbSignedLength: this.peer.msbClient.getSignedLength(),
-                msbUnsignedLength: this.peer.msbClient.getUnsignedLength(),
-                connectedValidators: validators,
-                peerMsbAddress,
-                peerMsbBalance: balance,
-                msbFee: fee,
-            });
-            return;
-        }
-        if (this.input.startsWith("/sc_join")) {
-            const args = this.parseArgs(input);
-            const name = args.channel || args.ch || args.name;
-            const inviteArg = args.invite || args.invite_b64 || args.invitebase64;
-            const welcomeArg = args.welcome || args.welcome_b64 || args.welcomebase64;
-            if (!name) {
-                console.log('Usage: /sc_join --channel "<name>" [--invite <json|b64|@file>] [--welcome <json|b64|@file>]');
-                return;
-            }
-            if (!this.peer.sidechannel) {
-                console.log('Sidechannel not initialized.');
-                return;
-            }
-            let invite = null;
-            if (inviteArg) {
-                invite = parseInviteArg(inviteArg);
-                if (!invite) {
-                    console.log('Invalid invite. Pass JSON, base64, or @file.');
-                    return;
-                }
-            }
-            let welcome = null;
-            if (welcomeArg) {
-                welcome = parseWelcomeArg(welcomeArg);
-                if (!welcome) {
-                    console.log('Invalid welcome. Pass JSON, base64, or @file.');
-                    return;
-                }
-            }
-            if (invite || welcome) {
-                this.peer.sidechannel.acceptInvite(String(name), invite, welcome);
-            }
-            const ok = await this.peer.sidechannel.addChannel(String(name));
-            if (!ok) {
-                console.log('Join denied (invite required or invalid).');
-                return;
-            }
-            console.log('Joined sidechannel:', name);
-            return;
-        }
-        if (this.input.startsWith("/sc_send")) {
-            const args = this.parseArgs(input);
-            const name = args.channel || args.ch || args.name;
-            const message = args.message || args.msg;
-            const inviteArg = args.invite || args.invite_b64 || args.invitebase64;
-            const welcomeArg = args.welcome || args.welcome_b64 || args.welcomebase64;
-            if (!name || message === undefined) {
-                console.log('Usage: /sc_send --channel "<name>" --message "<text>" [--invite <json|b64|@file>] [--welcome <json|b64|@file>]');
-                return;
-            }
-            if (!this.peer.sidechannel) {
-                console.log('Sidechannel not initialized.');
-                return;
-            }
-            let invite = null;
-            if (inviteArg) {
-                invite = parseInviteArg(inviteArg);
-                if (!invite) {
-                    console.log('Invalid invite. Pass JSON, base64, or @file.');
-                    return;
-                }
-            }
-            let welcome = null;
-            if (welcomeArg) {
-                welcome = parseWelcomeArg(welcomeArg);
-                if (!welcome) {
-                    console.log('Invalid welcome. Pass JSON, base64, or @file.');
-                    return;
-                }
-            }
-            if (invite || welcome) {
-                this.peer.sidechannel.acceptInvite(String(name), invite, welcome);
-            }
-            const ok = await this.peer.sidechannel.addChannel(String(name));
-            if (!ok) {
-                console.log('Send denied (invite required or invalid).');
-                return;
-            }
-            const sent = this.peer.sidechannel.broadcast(String(name), message, invite ? { invite } : undefined);
-            if (!sent) {
-                console.log('Send denied (owner-only or invite required).');
-            }
-            return;
-        }
-        if (this.input.startsWith("/sc_open")) {
-            const args = this.parseArgs(input);
-            const name = args.channel || args.ch || args.name;
-            const via = args.via || args.channel_via;
-            const inviteArg = args.invite || args.invite_b64 || args.invitebase64;
-            const welcomeArg = args.welcome || args.welcome_b64 || args.welcomebase64;
-            if (!name) {
-                console.log('Usage: /sc_open --channel "<name>" [--via "<channel>"] [--invite <json|b64|@file>] [--welcome <json|b64|@file>]');
-                return;
-            }
-            if (!this.peer.sidechannel) {
-                console.log('Sidechannel not initialized.');
-                return;
-            }
-            let invite = null;
-            if (inviteArg) {
-                invite = parseInviteArg(inviteArg);
-                if (!invite) {
-                    console.log('Invalid invite. Pass JSON, base64, or @file.');
-                    return;
-                }
-            }
-            let welcome = null;
-            if (welcomeArg) {
-                welcome = parseWelcomeArg(welcomeArg);
-                if (!welcome) {
-                    console.log('Invalid welcome. Pass JSON, base64, or @file.');
-                    return;
-                }
-            } else if (typeof this.peer.sidechannel.getWelcome === 'function') {
-                welcome = this.peer.sidechannel.getWelcome(String(name));
-            }
-            const viaChannel = via || this.peer.sidechannel.entryChannel || null;
-            if (!viaChannel) {
-                console.log('No entry channel configured. Pass --via "<channel>".');
-                return;
-            }
-            this.peer.sidechannel.requestOpen(String(name), String(viaChannel), invite, welcome);
-            console.log('Requested channel:', name);
-            return;
-        }
-        if (this.input.startsWith("/sc_invite")) {
-            const args = this.parseArgs(input);
-            const channel = args.channel || args.ch || args.name;
-            const invitee = args.pubkey || args.invitee || args.peer || args.key;
-            const ttlRaw = args.ttl || args.ttl_sec || args.ttl_s;
-            const welcomeArg = args.welcome || args.welcome_b64 || args.welcomebase64;
-            if (!channel || !invitee) {
-                console.log('Usage: /sc_invite --channel "<name>" --pubkey "<peer-pubkey-hex>" [--ttl <sec>] [--welcome <json|b64|@file>]');
-                return;
-            }
-            if (!this.peer.sidechannel) {
-                console.log('Sidechannel not initialized.');
-                return;
-            }
-            if (this.peer?.wallet?.ready) {
-                try {
-                    await this.peer.wallet.ready;
-                } catch (_e) {}
-            }
-            const walletPub = this.peer?.wallet?.publicKey;
-            const inviterPubKey = walletPub
-                ? typeof walletPub === 'string'
-                    ? walletPub.trim().toLowerCase()
-                    : b4a.toString(walletPub, 'hex')
-                : null;
-            if (!inviterPubKey) {
-                console.log('Wallet not ready; cannot sign invite.');
-                return;
-            }
-            let inviterAddress = null;
-            try {
-                if (this.peer?.msbClient) {
-                    inviterAddress = this.peer.msbClient.pubKeyHexToAddress(inviterPubKey);
-                }
-            } catch (_e) {}
-            const issuedAt = Date.now();
-            let ttlMs = null;
-            if (ttlRaw !== undefined) {
-                const ttlSec = Number.parseInt(String(ttlRaw), 10);
-                ttlMs = Number.isFinite(ttlSec) ? Math.max(ttlSec, 0) * 1000 : null;
-            } else if (Number.isFinite(this.peer.sidechannel.inviteTtlMs) && this.peer.sidechannel.inviteTtlMs > 0) {
-                ttlMs = this.peer.sidechannel.inviteTtlMs;
-            } else {
-                ttlMs = 0;
-            }
-            if (!ttlMs || ttlMs <= 0) {
-                console.log('Invite TTL is required. Pass --ttl <sec> or set --sidechannel-invite-ttl.');
-                return;
-            }
-            const expiresAt = issuedAt + ttlMs;
-            const payload = normalizeInvitePayload({
-                channel: String(channel),
-                inviteePubKey: String(invitee).trim().toLowerCase(),
-                inviterPubKey,
-                inviterAddress,
-                issuedAt,
-                expiresAt,
-                nonce: Math.random().toString(36).slice(2, 10),
-                version: 1,
-            });
-            const message = stableStringify(payload);
-            const msgBuf = b4a.from(message);
-            let sig = this.peer.wallet.sign(msgBuf);
-            let sigHex = '';
-            if (typeof sig === 'string') {
-                sigHex = sig;
-            } else if (sig && sig.length > 0) {
-                sigHex = b4a.toString(sig, 'hex');
-            }
-            if (!sigHex) {
-                const walletSecret = this.peer?.wallet?.secretKey;
-                const secretBuf = walletSecret
-                    ? b4a.isBuffer(walletSecret)
-                        ? walletSecret
-                        : typeof walletSecret === 'string'
-                            ? b4a.from(walletSecret, 'hex')
-                            : b4a.from(walletSecret)
-                    : null;
-                if (secretBuf) {
-                    const sigBuf = PeerWallet.sign(msgBuf, secretBuf);
-                    if (sigBuf && sigBuf.length > 0) {
-                        sigHex = b4a.toString(sigBuf, 'hex');
-                    }
-                }
-            }
-            let welcome = null;
-            if (welcomeArg) {
-                welcome = parseWelcomeArg(welcomeArg);
-                if (!welcome) {
-                    console.log('Invalid welcome. Pass JSON, base64, or @file.');
-                    return;
-                }
-            } else if (typeof this.peer.sidechannel.getWelcome === 'function') {
-                welcome = this.peer.sidechannel.getWelcome(String(channel));
-            }
-            const invite = { payload, sig: sigHex, welcome: welcome || undefined };
-            const inviteJson = JSON.stringify(invite);
-            const inviteB64 = b4a.toString(b4a.from(inviteJson), 'base64');
-            if (!sigHex) {
-                console.log('Failed to sign invite; wallet secret key unavailable.');
-                return;
-            }
-            console.log(inviteJson);
-            console.log('invite_b64:', inviteB64);
-            return;
-        }
-        if (this.input.startsWith("/sc_welcome")) {
-            const args = this.parseArgs(input);
-            const channel = args.channel || args.ch || args.name;
-            const text = args.text || args.message || args.msg;
-            if (!channel || text === undefined) {
-                console.log('Usage: /sc_welcome --channel "<name>" --text "<message>"');
-                return;
-            }
-            if (!this.peer.sidechannel) {
-                console.log('Sidechannel not initialized.');
-                return;
-            }
-            if (this.peer?.wallet?.ready) {
-                try {
-                    await this.peer.wallet.ready;
-                } catch (_e) {}
-            }
-            const walletPub = this.peer?.wallet?.publicKey;
-            const ownerPubKey = walletPub
-                ? typeof walletPub === 'string'
-                    ? walletPub.trim().toLowerCase()
-                    : b4a.toString(walletPub, 'hex')
-                : null;
-            if (!ownerPubKey) {
-                console.log('Wallet not ready; cannot sign welcome.');
-                return;
-            }
-            const payload = normalizeWelcomePayload({
-                channel: String(channel),
-                ownerPubKey,
-                text: String(text),
-                issuedAt: Date.now(),
-                version: 1,
-            });
-            const message = stableStringify(payload);
-            const msgBuf = b4a.from(message);
-            let sig = this.peer.wallet.sign(msgBuf);
-            let sigHex = '';
-            if (typeof sig === 'string') {
-                sigHex = sig;
-            } else if (sig && sig.length > 0) {
-                sigHex = b4a.toString(sig, 'hex');
-            }
-            if (!sigHex) {
-                const walletSecret = this.peer?.wallet?.secretKey;
-                const secretBuf = walletSecret
-                    ? b4a.isBuffer(walletSecret)
-                        ? walletSecret
-                        : typeof walletSecret === 'string'
-                            ? b4a.from(walletSecret, 'hex')
-                            : b4a.from(walletSecret)
-                    : null;
-                if (secretBuf) {
-                    const sigBuf = PeerWallet.sign(msgBuf, secretBuf);
-                    if (sigBuf && sigBuf.length > 0) {
-                        sigHex = b4a.toString(sigBuf, 'hex');
-                    }
-                }
-            }
-            if (!sigHex) {
-                console.log('Failed to sign welcome; wallet secret key unavailable.');
-                return;
-            }
-            const welcome = { payload, sig: sigHex };
-            // Store the welcome in-memory so the owner peer can auto-send it to new connections
-            // without requiring a restart (and so /sc_invite can embed it by default).
-            try {
-                this.peer.sidechannel.acceptInvite(String(channel), null, welcome);
-            } catch (_e) {}
-            const welcomeJson = JSON.stringify(welcome);
-            const welcomeB64 = b4a.toString(b4a.from(welcomeJson), 'base64');
-            console.log(welcomeJson);
-            console.log('welcome_b64:', welcomeB64);
-            return;
-        }
-        if (this.input.startsWith("/sc_stats")) {
-            if (!this.peer.sidechannel) {
-                console.log('Sidechannel not initialized.');
-                return;
-            }
-            const channels = Array.from(this.peer.sidechannel.channels.keys());
-            const connectionCount = this.peer.sidechannel.connections.size;
-            console.log({ channels, connectionCount });
-            return;
-        }
-        if (this.input.startsWith("/print")) {
-            const splitted = this.parseArgs(input);
-            console.log(splitted.text);
-        }
-    }
+    return null;
+  }
+
+  async printOptions() {
+    console.log(" ");
+    console.log("- Fractional Ownership Commands (Contract TX):");
+    console.log('- /tx --command "create_asset <assetId> <totalShares> [initialOwner]"');
+    console.log('- /tx --command "transfer_shares <assetId> <to> <shares>"');
+    console.log('- /tx --command "read_asset <assetId>"');
+    console.log('- /tx --command "read_holders <assetId>"');
+    console.log(" ");
+    console.log("- JSON Form:");
+    console.log(`- /tx --command '{"op":"create_asset","assetId":"tc:...","totalShares":10000,"initialOwner":"trac1..."}'`);
+  }
 }
-
-export default SampleProtocol;
diff --git a/docs/architecture.md b/docs/architecture.md
new file mode 100644
index 00000000..911c3535
--- /dev/null
+++ b/docs/architecture.md
@@ -0,0 +1,125 @@
+# Architecture: Fractional Trading Cards on Intercom
+
+This document explains how fractional ownership of trading cards is implemented using Intercom.
+
+The system maps each real-world card to its own peer-to-peer coordination environment.
+
+---
+
+# Overview
+
+Each trading card becomes its own distributed asset system.
+
+There are three main layers:
+
+1. Sidechannel (communication layer)
+2. Contract / Subnet (ownership state layer)
+3. App / SC-Bridge (user interface layer)
+
+---
+
+# Layer 1: Sidechannel
+
+Purpose:
+
+Real-time coordination between participants.
+
+Each card has its own channel:
+
+asset:<assetId>
+
+Example:
+
+asset:tc:poke:base:charizard:psa10:12345678
+
+Sidechannel is used for:
+
+- announcing offers
+- coordination
+- messaging
+- governance (later)
+
+No ownership is stored here.
+
+---
+
+# Layer 2: Contract / Subnet
+
+Purpose:
+
+This is the source of truth.
+
+The contract stores:
+
+- totalShares
+- holders
+- ownership changes
+
+This state is:
+
+- deterministic
+- replicated across peers
+- serverless
+
+Every peer has the same ownership state.
+
+---
+
+# Layer 3: App / SC-Bridge
+
+Purpose:
+
+Interface between user and Intercom network.
+
+The app connects via SC-Bridge.
+
+The app allows users to:
+
+- view assets
+- transfer shares
+- create offers
+- accept offers
+
+Users do not interact with Intercom directly.
+
+The app handles this.
+
+---
+
+# Flow Example
+
+1. Asset created
+2. Channel created
+3. Ownership defined
+4. User creates offer
+5. Another user accepts offer
+6. Ownership updates
+7. State replicates to all peers
+
+---
+
+# Diagram
+
+User App
+   ↓
+SC-Bridge
+   ↓
+Intercom Peer
+   ↓
+Contract State (ownership)
+   ↓
+Sidechannel (coordination)
+
+---
+
+# Summary
+
+Intercom provides the network.
+
+Contracts provide ownership truth.
+
+Sidechannels provide coordination.
+
+Apps provide usability.
+
+This creates peer-to-peer fractional ownership.
diff --git a/docs/message-schema.md b/docs/message-schema.md
new file mode 100644
index 00000000..4f397c5b
--- /dev/null
+++ b/docs/message-schema.md
@@ -0,0 +1,14 @@
+# Message Schema (Sidechannel) — Trading Card Assets
+
+This project uses Intercom sidechannels for real-time coordination.
+
+All sidechannel messages must be JSON objects with this structure:
+
+```json
+{
+  "v": 1,
+  "assetId": "tc:poke:base:charizard:psa10:12345678",
+  "type": "offer:create",
+  "ts": 0,
+  "data": {}
+}
diff --git a/docs/spec.md b/docs/spec.md
new file mode 100644
index 00000000..6819b5c4
--- /dev/null
+++ b/docs/spec.md
@@ -0,0 +1,151 @@
+# Spec: Fractional Trading Card Ownership (Intercom)
+
+This document defines the minimal specification for fractional ownership of trading cards on top of Intercom.
+
+It is intentionally simple and designed to be implemented step-by-step.
+
+---
+
+## 1) Core Idea
+
+A **trading card** is treated as a **real-world asset (RWA)** with:
+
+- an **Asset ID** (deterministic identifier)
+- a **Share Supply** (fixed total shares)
+- an **Ownership Table** (who owns how many shares)
+- an optional **Offer Book** (peer-to-peer share transfer offers)
+
+**Intercom mapping**
+- **Sidechannels**: coordination + announcements + offers broadcast
+- **Contracts/Subnet**: ownership truth (replicated, deterministic state)
+- **SC-Bridge**: app/API control surface (WebSocket)
+
+---
+
+## 2) Asset ID (AssetID)
+
+### 2.1 Format (human-readable)
+AssetIDs use a colon-separated namespace:
+
+`tc:<brand>:<series>:<card>:<grade>:<cert>`
+
+Examples:
+- `tc:poke:base:charizard:psa10:12345678`
+- `tc:mtg:alpha:blacklotus:bgs95:000001`
+- `tc:sports:nba:lebron-rookie:psa9:99887766`
+
+### 2.2 Rules
+- All lowercase
+- Use `-` for spaces
+- Must be unique per physical item (certificate/serial should ensure uniqueness)
+
+---
+
+## 3) Shares & Ownership Model
+
+### 3.1 Supply
+Each asset has a fixed share supply:
+
+- `totalShares` (integer, e.g. 10_000)
+- `decimals` (optional later; MVP assumes integer shares)
+
+Default MVP:
+- `totalShares = 10_000`
+- Minimum trade size: `1` share
+
+### 3.2 Ownership Table
+Ownership is tracked as:
+
+`holders[addressOrPubKey] -> shares`
+
+Constraints:
+- `sum(holders[*]) == totalShares`
+- shares are non-negative integers
+- transfers must not create or destroy shares (no mint/burn in MVP)
+
+### 3.3 Roles (MVP)
+- **Issuer**: initial creator of an asset (creates supply + initial allocation)
+- **Holder**: owns shares, can transfer shares
+- **Observer**: can read coordination messages (depending on channel policy)
+
+---
+
+## 4) Offer & Transfer (MVP)
+
+This MVP supports a minimal peer-to-peer offer flow.
+
+### 4.1 Offer structure
+An offer represents: “I will sell X shares for price P”.
+
+Fields:
+- `offerId` (unique string)
+- `assetId`
+- `seller`
+- `shares`
+- `price` (string; unit is defined by the app; may be “offchain” in MVP)
+- `expiresAt` (unix ms)
+- `createdAt` (unix ms)
+
+### 4.2 Offer rules
+- Only a seller who currently owns `>= shares` may create an offer
+- Offers expire automatically after `expiresAt`
+- Offers can be cancelled by the seller
+
+### 4.3 Accept rules
+- Accepting an offer transfers shares:
+  - `seller -= shares`
+  - `buyer += shares`
+- Settlement/payment is **out of scope** for the first MVP.
+  - The first version only proves ownership transitions + replication.
+
+---
+
+## 5) Channel Naming (Sidechannels)
+
+Each asset gets a dedicated coordination channel.
+
+MVP naming:
+- `asset:<assetId>`
+
+Example:
+- `asset:tc:poke:base:charizard:psa10:12345678`
+
+Notes:
+- Later we may switch to hashed channel names for length/compatibility.
+- Entry/rendezvous can remain `0000intercom` for discovery.
+
+---
+
+## 6) Minimal Commands (Planned)
+
+These are the minimal operations the contract/protocol will expose:
+
+### Asset
+- `createAsset(assetId, totalShares, initialOwner)`
+- `getAsset(assetId)`
+
+### Ownership
+- `transferShares(assetId, to, shares)`
+
+### Offers
+- `createOffer(assetId, shares, price, expiresAt)`
+- `cancelOffer(offerId)`
+- `acceptOffer(offerId)`
+
+---
+
+## 7) Non-goals (for now)
+
+Explicitly out of scope for MVP:
+- fiat/crypto payments (settlement)
+- custody / vault logistics / legal ownership enforcement
+- disputes, arbitration
+- fractional redemption / buyout
+- pricing or oracle integrations
+
+---
+
+## 8) Disclaimer
+
+This is an experimental prototype specification.
+It does not constitute legal ownership, custody guarantees, or financial advice.
diff --git a/examples/bridge-client.js b/examples/bridge-client.js
new file mode 100644
index 00000000..61ed94e2
--- /dev/null
+++ b/examples/bridge-client.js
@@ -0,0 +1,51 @@
+import WebSocket from 'ws';
+import crypto from 'crypto';
+
+const WS_URL = "ws://127.0.0.1:8788"; // <-- JOINER SC-BRIDGE
+const TOKEN = "CHANGE_ME_TO_A_LONG_RANDOM_TOKEN";
+
+const ASSET_ID = "tc:poke:base:charizard:psa10:12345678";
+const CHANNEL = "asset:" + ASSET_ID;
+
+const offerId = crypto.randomBytes(8).toString("hex");
+
+const ws = new WebSocket(WS_URL);
+
+ws.on("open", () => {
+  console.log("Connected (joiner bridge)");
+  ws.send(JSON.stringify({ type: "auth", token: TOKEN }));
+});
+
+ws.on("message", (data) => {
+  const msg = JSON.parse(data.toString());
+  console.log("Received:", msg);
+
+  if (msg.type === "auth_ok") {
+    ws.send(JSON.stringify({ type: "join", channel: CHANNEL }));
+    return;
+  }
+
+  if (msg.type === "joined") {
+    const event = {
+      v: 1,
+      assetId: ASSET_ID,
+      type: "offer:create",
+      ts: Date.now(),
+      data: {
+        offerId,
+        seller: "demo-seller",
+        shares: 100,
+        price: "100",
+        expiresAt: Date.now() + 3600000
+      }
+    };
+
+    console.log("Sending offer:create event (from joiner)");
+
+    ws.send(JSON.stringify({
+      type: "send",
+      channel: CHANNEL,
+      message: event
+    }));
+  }
+});
diff --git a/examples/demo-2peers.md b/examples/demo-2peers.md
new file mode 100644
index 00000000..0c04ab25
--- /dev/null
+++ b/examples/demo-2peers.md
@@ -0,0 +1,25 @@
+# Demo: Run 2 Peers (Admin + Joiner)
+
+This demo proves that your Intercom fork runs correctly and that peers can connect to the same subnet.
+
+You will:
+
+- start one admin peer
+- copy its writer key
+- start one joiner peer
+
+This is the foundation for fractional asset ownership later.
+
+---
+
+# Requirements
+
+You must do this later on your local computer, not on GitHub.
+
+Install Node.js 22 or newer.
+
+Install Pear runtime:
+
+```bash
+npm install -g pear
+pear -v
diff --git a/examples/offerbook-listen.js b/examples/offerbook-listen.js
new file mode 100644
index 00000000..2c86aa52
--- /dev/null
+++ b/examples/offerbook-listen.js
@@ -0,0 +1,88 @@
+import WebSocket from 'ws';
+
+// === CONFIG ===
+const WS_URL = "ws://127.0.0.1:8787";
+const TOKEN = "CHANGE_ME_TO_A_LONG_RANDOM_TOKEN";
+
+const ASSET_ID = "tc:poke:base:charizard:psa10:12345678";
+const CHANNEL = "asset:" + ASSET_ID;
+
+// In-memory offer book
+const offers = new Map();
+
+function printOffers() {
+  const list = Array.from(offers.values()).sort((a, b) => a.ts - b.ts);
+  console.log("\n=== OFFER BOOK ===");
+  if (list.length === 0) {
+    console.log("(empty)");
+    return;
+  }
+  for (const o of list) {
+    const d = o.data || {};
+    console.log(
+      `offerId=${d.offerId} seller=${d.seller} shares=${d.shares} price=${d.price} expiresAt=${new Date(d.expiresAt).toISOString()}`
+    );
+    if (d.acceptedBy) {
+      console.log(`  acceptedBy=${d.acceptedBy} acceptedAt=${new Date(d.acceptedAt).toISOString()}`);
+    }
+  }
+}
+
+const ws = new WebSocket(WS_URL);
+
+ws.on("open", () => {
+  console.log("Connected (offerbook listener)");
+  ws.send(JSON.stringify({ type: "auth", token: TOKEN }));
+});
+
+ws.on("message", (data) => {
+  const msg = JSON.parse(data.toString());
+
+  if (msg.type === "auth_ok") {
+    ws.send(JSON.stringify({ type: "join", channel: CHANNEL }));
+    return;
+  }
+
+  if (msg.type === "joined") {
+    console.log("Joined:", msg.channel);
+    console.log("Listening for offer events...");
+    printOffers();
+    return;
+  }
+
+  // IMPORTANT:
+  // SC-Bridge forwards sidechannel messages as:
+  // { type:"sidechannel_message", channel, from, id, ts, message }
+  if (msg.type === "sidechannel_message") {
+    const event = msg.message;
+
+    // Only handle our schema version + asset
+    if (!event || event.v !== 1 || event.assetId !== ASSET_ID) return;
+
+    if (event.type === "offer:create") {
+      offers.set(event.data.offerId, event);
+      console.log("\n[offer:create]", event.data.offerId);
+      printOffers();
+    }
+
+    if (event.type === "offer:cancel") {
+      offers.delete(event.data.offerId);
+      console.log("\n[offer:cancel]", event.data.offerId);
+      printOffers();
+    }
+
+    if (event.type === "offer:accept") {
+      const existing = offers.get(event.data.offerId);
+      if (existing) {
+        existing.data.acceptedBy = event.data.buyer;
+        existing.data.acceptedAt = event.ts;
+        offers.set(event.data.offerId, existing);
+      }
+      console.log("\n[offer:accept]", event.data.offerId);
+      printOffers();
+    }
+  }
+});
+
+ws.on("close", () => console.log("Disconnected"));
+ws.on("error", (err) => console.error("Error:", err));
diff --git a/examples/send-offer-accept.js b/examples/send-offer-accept.js
new file mode 100644
index 00000000..25dfd278
--- /dev/null
+++ b/examples/send-offer-accept.js
@@ -0,0 +1,55 @@
+import WebSocket from 'ws';
+
+const WS_URL = "ws://127.0.0.1:8788"; // joiner bridge
+const TOKEN = "CHANGE_ME_TO_A_LONG_RANDOM_TOKEN";
+
+const ASSET_ID = "tc:poke:base:charizard:psa10:12345678";
+const CHANNEL = "asset:" + ASSET_ID;
+
+// USAGE:
+//   node examples/send-offer-accept.js <offerId> <buyerName>
+const offerId = process.argv[2];
+const buyer = process.argv[3] || "demo-buyer";
+
+if (!offerId) {
+  console.error("Usage: node examples/send-offer-accept.js <offerId> <buyerName?>");
+  process.exit(1);
+}
+
+const ws = new WebSocket(WS_URL);
+
+ws.on("open", () => {
+  ws.send(JSON.stringify({ type: "auth", token: TOKEN }));
+});
+
+ws.on("message", (data) => {
+  const msg = JSON.parse(data.toString());
+
+  if (msg.type === "auth_ok") {
+    ws.send(JSON.stringify({ type: "join", channel: CHANNEL }));
+    return;
+  }
+
+  if (msg.type === "joined") {
+    const event = {
+      v: 1,
+      assetId: ASSET_ID,
+      type: "offer:accept",
+      ts: Date.now(),
+      data: {
+        offerId,
+        buyer
+      }
+    };
+
+    console.log("Sending offer:accept", offerId, "buyer=", buyer);
+
+    ws.send(JSON.stringify({
+      type: "send",
+      channel: CHANNEL,
+      message: event
+    }));
+
+    setTimeout(() => process.exit(0), 500);
+  }
+});
diff --git a/examples/send-offer-cancel.js b/examples/send-offer-cancel.js
new file mode 100644
index 00000000..a1df9add
--- /dev/null
+++ b/examples/send-offer-cancel.js
@@ -0,0 +1,55 @@
+import WebSocket from 'ws';
+
+const WS_URL = "ws://127.0.0.1:8788"; // joiner bridge
+const TOKEN = "CHANGE_ME_TO_A_LONG_RANDOM_TOKEN";
+
+const ASSET_ID = "tc:poke:base:charizard:psa10:12345678";
+const CHANNEL = "asset:" + ASSET_ID;
+
+// USAGE:
+//   node examples/send-offer-cancel.js <offerId>
+const offerId = process.argv[2];
+
+if (!offerId) {
+  console.error("Usage: node examples/send-offer-cancel.js <offerId>");
+  process.exit(1);
+}
+
+const ws = new WebSocket(WS_URL);
+
+ws.on("open", () => {
+  ws.send(JSON.stringify({ type: "auth", token: TOKEN }));
+});
+
+ws.on("message", (data) => {
+  const msg = JSON.parse(data.toString());
+
+  if (msg.type === "auth_ok") {
+    ws.send(JSON.stringify({ type: "join", channel: CHANNEL }));
+    return;
+  }
+
+  if (msg.type === "joined") {
+    const event = {
+      v: 1,
+      assetId: ASSET_ID,
+      type: "offer:cancel",
+      ts: Date.now(),
+      data: {
+        offerId,
+        seller: "demo-seller"
+      }
+    };
+
+    console.log("Sending offer:cancel", offerId);
+
+    ws.send(JSON.stringify({
+      type: "send",
+      channel: CHANNEL,
+      message: event
+    }));
+
+    // exit shortly after
+    setTimeout(() => process.exit(0), 500);
+  }
+});
diff --git a/package-lock.json b/package-lock.json
index 08897245..a0fde562 100644
--- a/package-lock.json
+++ b/package-lock.json
@@ -18,7 +18,8 @@
         "trac-msb": "git+https://github.com/Trac-Systems/main_settlement_bus.git#5088921",
         "trac-peer": "git+https://github.com/Trac-Systems/trac-peer.git#d108f52",
         "trac-wallet": "1.0.1",
-        "util": "npm:bare-node-util"
+        "util": "npm:bare-node-util",
+        "ws": "^8.19.0"
       }
     },
     "node_modules/@ethereumjs/common": {
@@ -2638,6 +2639,27 @@
         "bare-worker": "*"
       }
     },
+    "node_modules/ws": {
+      "version": "8.19.0",
+      "resolved": "https://registry.npmjs.org/ws/-/ws-8.19.0.tgz",
+      "integrity": "sha512-blAT2mjOEIi0ZzruJfIhb3nps74PRWTCz1IjglWEEpQl5XS/UNama6u2/rjFkDDouqr4L67ry+1aGIALViWjDg==",
+      "license": "MIT",
+      "engines": {
+        "node": ">=10.0.0"
+      },
+      "peerDependencies": {
+        "bufferutil": "^4.0.1",
+        "utf-8-validate": ">=5.0.2"
+      },
+      "peerDependenciesMeta": {
+        "bufferutil": {
+          "optional": true
+        },
+        "utf-8-validate": {
+          "optional": true
+        }
+      }
+    },
     "node_modules/xache": {
       "version": "1.2.1",
       "resolved": "https://registry.npmjs.org/xache/-/xache-1.2.1.tgz",
@@ -4814,6 +4836,12 @@
         "bare-worker": "*"
       }
     },
+    "ws": {
+      "version": "8.19.0",
+      "resolved": "https://registry.npmjs.org/ws/-/ws-8.19.0.tgz",
+      "integrity": "sha512-blAT2mjOEIi0ZzruJfIhb3nps74PRWTCz1IjglWEEpQl5XS/UNama6u2/rjFkDDouqr4L67ry+1aGIALViWjDg==",
+      "requires": {}
+    },
     "xache": {
       "version": "1.2.1",
       "resolved": "https://registry.npmjs.org/xache/-/xache-1.2.1.tgz",
diff --git a/package.json b/package.json
index 5961dfd1..137efca7 100644
--- a/package.json
+++ b/package.json
@@ -18,7 +18,8 @@
     "trac-msb": "git+https://github.com/Trac-Systems/main_settlement_bus.git#5088921",
     "trac-peer": "git+https://github.com/Trac-Systems/trac-peer.git#d108f52",
     "trac-wallet": "1.0.1",
-    "util": "npm:bare-node-util"
+    "util": "npm:bare-node-util",
+    "ws": "^8.19.0"
   },
   "overrides": {
     "trac-wallet": "1.0.1"
diff --git a/protocol.js b/protocol.js
new file mode 100644
index 00000000..47e5533c
--- /dev/null
+++ b/protocol.js
@@ -0,0 +1,130 @@
+import { Protocol } from "trac-peer";
+
+/**
+ * Fractional Trading Cards Protocol (MVP)
+ *
+ * Purpose:
+ * - Map `/tx --command "<string>"` into contract messages: { type, value }
+ *
+ * Supported commands:
+ * - create_asset <assetId> <totalShares> [initialOwner]
+ * - transfer_shares <assetId> <to> <shares>
+ * - read_asset <assetId>
+ * - read_holders <assetId>
+ *
+ * Also supports JSON form:
+ * /tx --command '{"op":"create_asset","assetId":"...","totalShares":10000,"initialOwner":"..."}'
+ */
+
+class FractionalProtocol extends Protocol {
+  constructor(peer, base, options = {}) {
+    super(peer, base, options);
+  }
+
+  async extendApi() {
+    // Keep empty for now (we'll add convenience helpers later).
+  }
+
+  _safeJsonParse(text) {
+    try {
+      return JSON.parse(text);
+    } catch (_e) {
+      return null;
+    }
+  }
+
+  mapTxCommand(command) {
+    const raw = String(command ?? "").trim();
+    if (!raw) return null;
+
+    // 1) JSON form
+    if (raw.startsWith("{")) {
+      const json = this._safeJsonParse(raw);
+      if (!json || !json.op) return null;
+
+      if (json.op === "create_asset") {
+        return {
+          type: "create_asset",
+          value: {
+            assetId: json.assetId,
+            totalShares: json.totalShares,
+            initialOwner: json.initialOwner
+          }
+        };
+      }
+
+      if (json.op === "transfer_shares") {
+        return {
+          type: "transfer_shares",
+          value: {
+            assetId: json.assetId,
+            to: json.to,
+            shares: json.shares
+          }
+        };
+      }
+
+      if (json.op === "read_asset") {
+        return { type: "read_asset", value: { assetId: json.assetId } };
+      }
+
+      if (json.op === "read_holders") {
+        return { type: "read_holders", value: { assetId: json.assetId } };
+      }
+
+      return null;
+    }
+
+    // 2) Plain string form
+    const parts = raw.split(/\s+/);
+    const op = parts[0];
+
+    if (op === "create_asset") {
+      // create_asset <assetId> <totalShares> [initialOwner]
+      const assetId = parts[1];
+      const totalShares = parts[2];
+      const initialOwner = parts[3]; // optional
+      return {
+        type: "create_asset",
+        value: { assetId, totalShares: Number(totalShares), initialOwner }
+      };
+    }
+
+    if (op === "transfer_shares") {
+      // transfer_shares <assetId> <to> <shares>
+      const assetId = parts[1];
+      const to = parts[2];
+      const shares = parts[3];
+      return {
+        type: "transfer_shares",
+        value: { assetId, to, shares: Number(shares) }
+      };
+    }
+
+    if (op === "read_asset") {
+      const assetId = parts[1];
+      return { type: "read_asset", value: { assetId } };
+    }
+
+    if (op === "read_holders") {
+      const assetId = parts[1];
+      return { type: "read_holders", value: { assetId } };
+    }
+
+    return null;
+  }
+
+  async printOptions() {
+    console.log(" ");
+    console.log("- Fractional Ownership Commands (Contract TX):");
+    console.log('- /tx --command "create_asset <assetId> <totalShares> [initialOwner]"');
+    console.log('- /tx --command "transfer_shares <assetId> <to> <shares>"');
+    console.log('- /tx --command "read_asset <assetId>"');
+    console.log('- /tx --command "read_holders <assetId>"');
+    console.log(" ");
+    console.log("- JSON Form:");
+    console.log(`- /tx --command '{"op":"create_asset","assetId":"tc:...","totalShares":10000,"initialOwner":"trac1..."}'`);
+  }
+}
+
+export default FractionalProtocol;
diff --git a/scripts/run-admin.sh b/scripts/run-admin.sh
new file mode 100755
index 00000000..0d5df10b
--- /dev/null
+++ b/scripts/run-admin.sh
@@ -0,0 +1,33 @@
+#!/usr/bin/env bash
+set -euo pipefail
+
+SUBNET_CHANNEL="${SUBNET_CHANNEL:-card-rwa-dev}"
+PEER_STORE="${PEER_STORE:-admin}"
+MSB_STORE="${MSB_STORE:-admin-msb}"
+DHT_BOOTSTRAP="${DHT_BOOTSTRAP:-127.0.0.1:49737}"
+
+SC_BRIDGE_HOST="${SC_BRIDGE_HOST:-127.0.0.1}"
+SC_BRIDGE_PORT="${SC_BRIDGE_PORT:-8787}"
+SC_BRIDGE_TOKEN="${SC_BRIDGE_TOKEN:-CHANGE_ME_TO_A_LONG_RANDOM_TOKEN}"
+
+echo "=== Intercom Admin Runner ==="
+echo "Subnet channel:      ${SUBNET_CHANNEL}"
+echo "Peer store name:     ${PEER_STORE}"
+echo "MSB store name:      ${MSB_STORE}"
+echo "DHT bootstrap:       ${DHT_BOOTSTRAP}"
+echo "SC-Bridge endpoint:  ws://${SC_BRIDGE_HOST}:${SC_BRIDGE_PORT}"
+echo "SC-Bridge token set: ${SC_BRIDGE_TOKEN}"
+echo ""
+echo "DEV MODE: sidechannel welcome requirement is DISABLED"
+echo ""
+
+pear run . \
+  --peer-store-name "${PEER_STORE}" \
+  --msb-store-name "${MSB_STORE}" \
+  --subnet-channel "${SUBNET_CHANNEL}" \
+  --dht-bootstrap "${DHT_BOOTSTRAP}" \
+  --sidechannel-welcome-required 0 \
+  --sc-bridge 1 \
+  --sc-bridge-host "${SC_BRIDGE_HOST}" \
+  --sc-bridge-port "${SC_BRIDGE_PORT}" \
+  --sc-bridge-token "${SC_BRIDGE_TOKEN}"
diff --git a/scripts/run-joiner.sh b/scripts/run-joiner.sh
new file mode 100755
index 00000000..6ec33082
--- /dev/null
+++ b/scripts/run-joiner.sh
@@ -0,0 +1,40 @@
+#!/usr/bin/env bash
+set -euo pipefail
+
+SUBNET_BOOTSTRAP="${SUBNET_BOOTSTRAP:-}"
+if [[ -z "${SUBNET_BOOTSTRAP}" ]]; then
+  echo "ERROR: SUBNET_BOOTSTRAP is required."
+  echo "Example:"
+  echo "  SUBNET_BOOTSTRAP=<admin-writer-key-hex> bash scripts/run-joiner.sh"
+  exit 1
+fi
+
+SUBNET_CHANNEL="${SUBNET_CHANNEL:-card-rwa-dev}"
+PEER_STORE="${PEER_STORE:-joiner1}"
+MSB_STORE="${MSB_STORE:-joiner1-msb}"
+DHT_BOOTSTRAP="${DHT_BOOTSTRAP:-127.0.0.1:49737}"
+
+# Enable SC-Bridge on joiner (so we can SEND from joiner)
+SC_BRIDGE_HOST="${SC_BRIDGE_HOST:-127.0.0.1}"
+SC_BRIDGE_PORT="${SC_BRIDGE_PORT:-8788}"
+SC_BRIDGE_TOKEN="${SC_BRIDGE_TOKEN:-CHANGE_ME_TO_A_LONG_RANDOM_TOKEN}"
+
+echo "=== Intercom Joiner Runner ==="
+echo "Subnet channel:     ${SUBNET_CHANNEL}"
+echo "Subnet bootstrap:   ${SUBNET_BOOTSTRAP}"
+echo "Peer store name:    ${PEER_STORE}"
+echo "MSB store name:     ${MSB_STORE}"
+echo "DHT bootstrap:      ${DHT_BOOTSTRAP}"
+echo "SC-Bridge:          ws://${SC_BRIDGE_HOST}:${SC_BRIDGE_PORT}"
+echo ""
+
+pear run . \
+  --peer-store-name "${PEER_STORE}" \
+  --msb-store-name "${MSB_STORE}" \
+  --subnet-channel "${SUBNET_CHANNEL}" \
+  --subnet-bootstrap "${SUBNET_BOOTSTRAP}" \
+  --dht-bootstrap "${DHT_BOOTSTRAP}" \
+  --sc-bridge 1 \
+  --sc-bridge-host "${SC_BRIDGE_HOST}" \
+  --sc-bridge-port "${SC_BRIDGE_PORT}" \
+  --sc-bridge-token "${SC_BRIDGE_TOKEN}"