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- ARCHITECTURE.md: reflect the implemented DI service layer, CAMTParser, OpenTelemetry/observability, the ported report engine, and CAMT+MT940 banking; mark the resolved observations. - copilot-instructions.md: add Services/DI, dual-format banking, observability and testing sections; add an Instruction-Sync banner. - CLAUDE.md (new): Claude Code project instructions mirroring the shared rules, plus build/test workflow notes. Both files state they must stay in sync. - USER_GUIDE.md (new, Fuchs/Docs): end-user process guide (login, invoices, reminders, requests, banking incl. MT940/CAMT upload, DATEV, reports). Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>