docs: add ISSUES.md with 40 prioritized issues from codebase analysis

ISSUES.md

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+# AFRAMP - 40 Generated Issues from Codebase Analysis
+
+Generated by BLACKBOXAI analysis. Create these as GitHub Issues.
+
+## Critical Bugs (1-5)
+
+1. **Wallet connection falls back to mock addresses without user consent** (`hooks/use-wallet-connect.ts`)  
+   Add toggle for demo mode; real error on prod.
+
+2. **No validation on generated mock Stellar addresses**  
+   Fails SEP compliance; validate 56-char G... format.
+
+3. **localStorage wallet persistence insecure**  
+   No encryption; add secure storage or session tokens.
+
+4. **Dashboard redirects to / if no wallet**  
+   Race condition if localStorage cleared mid-session.
+
+5. **No error boundaries in nested app routes** (e.g., `/offramp/processing/[orderId]`)  
+   Add per-route error.tsx.
+
+## High-Priority Features (6-20)
+
+6. **Implement real Freighter/Stellar wallet integration** (`components/Wallet/`)  
+   Use @stellar/freighter-api for auth/sign.
+
+7. **Backend API integration for onramp/offramp** (`hooks/use-onramp-form.ts`)  
+   Fetch real rates/KYC from /api/onramp.
+
+8. **Add KYC flow to onboarding** (`app/onboarding/page.tsx`)  
+   Integrate with backend, store status.
+
+9. **Real-time transaction history** (`components/dashboard/transaction-history.tsx`)  
+   WebSocket polling via useSWR.
+
+10. **Bill payments backend** (`app/bills/pay/[billerId]/page.tsx`)  
+    Integrate payment gateway (Paystack/Flutterwave).
+
+11. **Receive QR code generation** (`components/receive/page.tsx`)  
+    Use qrcode.react with wallet address.
+
+12. **Send crypto P2P** (`components/send/send-page-client.tsx`)  
+    Stellar SDK transfer with memo.
+
+13. **Price alerts notifications** (`app/pricealert/page.tsx`)  
+    Email/Push via backend cron.
+
+14. **Multi-currency support** (NGN/KES/GHS) in calculator (`components/offramp/offramp-calculator.tsx`).
+
+15. **Scheduled bills** (`app/bills/schedule/page.tsx`)  
+    Cron jobs backend.
+
+16. **Swap interface** (`Design/swapinterface/`, `components/dashboard/swap-modal.tsx`)  
+    Integrate Jupiter/1inch.
+
+17. **Mobile-responsive wallet modals** (`components/Wallet/WalletModal.tsx`).
+
+18. **Offline payment receipts** (`components/bills/bills-receipt-client.tsx`)  
+    PDF export via jsPDF.
+
+19. **Referral program** (`referralprogram.txt`)  
+    Track codes, rewards.
+
+20. **Settings page** (`Design/setting`)  
+    Theme, notifications, security.
+
+## Refactoring & Polish (21-30)
+
+21. **Replace mock exchange rates** (`hooks/use-eth-price.ts`, CoinGecko → backend).
+
+22. **Add loading skeletons** to all data-fetching components (e.g., dashboard cards).
+
+23. **Accessibility: ARIA labels on forms** (`components/bills/payment-form.tsx`).
+
+24. **Performance: Lazy-load heavy charts** (`components/dashboard/transaction-history.tsx`, Recharts).
+
+25. **Type all untyped components** (e.g., many `any` in hooks).
+
+26. **Extract shared calculator** to `lib/calculations.ts` (onramp/offramp reuse).
+
+27. **i18n for African languages** (French/Swahili) via next-intl.
+
+28. **SEO: Dynamic meta for pages** (`app/onramp/page.tsx`).
+
+29. **Theme consistency** (`components/theme-provider.tsx`) – Audit Tailwind vars.
+
+30. **Remove unused deps** (package.json: many Radix primitives).
+
+## Testing (31-35)
+
+31. **E2E tests for core flows** (wallet connect → onramp → success) with Playwright.
+
+32. **Unit tests for hooks** (`hooks/use-offramp-form.ts`, missing).
+
+33. **Test biller schemas** (`lib/biller-schemas.ts`).
+
+34. **Coverage >80%** – Add to CI.
+
+35. **Mock backend tests** for API hooks.
+
+## Documentation & Misc (36-40)
+
+36. **Update README with real setup** (missing backend links).
+
+37. **Implement design specs** (`Bill Payments Dashboard Design.txt` → components).
+
+38. **GitHub Actions CI** (`test-ci-local.sh` → .github/workflows).
+
+39. **Lighthouse perf audits** (lighthouserc.json exists).
+
+40. **Security audit** (OWASP for wallet/financial app).
+
+**Next: Copy to GitHub Issues tab.**