Production-ready Rails 8.1 source kit with auth + compliance built in. Core Auth: magic links, 2FA, OAuth, SAML SSO, RBAC, Stripe billing. HIPAA: audit logs, PHI access logging, BAA pages. Fintech: immutable double-entry ledger, KYC/AML hooks. LTI 1.3: Canvas, Moodle, Blackboard compatible. 91 tests, 0 failures. No hosted service. No per-user fees. You own every line of code.