docs: update all documentation and add AI tooling configs

- Rewrite README.md with current architecture, features and stack
- Update docs/API.md with all current endpoints (corporate, BI, client 360)
- Update docs/ARCHITECTURE.md with cache, modular queries, services, ETL
- Update docs/GUIA-USUARIO.md for all roles (admin, corporate, agente)
- Add docs/INDEX.md documentation index
- Add PROJETO.md comprehensive project reference
- Add BI-CCC-Implementation-Guide.md
- Include AI agent configs (.claude, .agents, .gemini, _bmad)
- Add netbird VPN configuration
- Add status report

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

.claude/skills/bmad-testarch-test-design/instructions.md

@@ -0,0 +1,105 @@
+<!-- Powered by BMAD-CORE™ -->
+
+# Test Design and Risk Assessment
+
+**Workflow ID**: `_bmad/tea/testarch/bmad-testarch-test-design`
+**Version**: 5.0 (Step-File Architecture)
+
+---
+
+## Overview
+
+Plans comprehensive test coverage strategy with risk assessment, priority classification, and execution ordering. This workflow operates in **two modes**:
+
+- **System-Level Mode (Phase 3)**: Testability review of architecture before solutioning gate check
+- **Epic-Level Mode (Phase 4)**: Per-epic test planning with risk assessment
+
+The workflow auto-detects which mode to use based on project phase and user intent.
+
+---
+
+## WORKFLOW ARCHITECTURE
+
+This workflow uses **step-file architecture** for disciplined execution:
+
+### Core Principles
+
+- **Micro-file Design**: Each step is a self-contained instruction file
+- **Just-In-Time Loading**: Only the current step file is in memory
+- **Sequential Enforcement**: Execute steps in order without skipping
+- **State Tracking**: Write outputs only when instructed, then proceed
+
+### Step Processing Rules (Non-Negotiable)
+
+1. **READ COMPLETELY**: Read the entire step file before taking any action
+2. **FOLLOW SEQUENCE**: Execute all numbered sections in order
+3. **WAIT FOR INPUT**: Halt when user input is required
+4. **LOAD NEXT**: Only load the next step file when directed
+
+---
+
+## INITIALIZATION SEQUENCE
+
+### 1. Configuration Loading
+
+From `workflow.yaml`, resolve:
+
+- `config_source`, `test_artifacts`, `user_name`, `communication_language`, `document_output_language`, `date`
+
+### 2. First Step
+
+Load, read completely, and execute:
+`./steps-c/step-01-detect-mode.md`
+
+### 3. Resume Support
+
+If the user selects **Resume** mode, load, read completely, and execute:
+`./steps-c/step-01b-resume.md`
+
+This checks the output document for progress tracking frontmatter and routes to the next incomplete step.
+
+---
+
+## OUTPUT GENERATION GUIDANCE
+
+When populating templates in step 5, apply the following guidance for these sections:
+
+### Not in Scope
+
+- Identify components, third-party services, or subsystems NOT covered by this test plan
+- For each excluded item, provide reasoning (why excluded) and mitigation (how risk is addressed elsewhere)
+- Common exclusions: external vendor APIs tested by upstream teams, legacy modules outside the current phase scope, infrastructure already covered by platform team monitoring
+
+### Entry and Exit Criteria
+
+- **Entry criteria**: Derive from Dependencies and Test Blockers -- what must be resolved before QA can start testing
+- **Exit criteria**: Derive from Quality Gate Criteria -- what constitutes "done" for the testing phase
+- Include project-specific criteria based on context (e.g., "feature flag enabled in staging", "seed data loaded", "pre-implementation blockers resolved")
+
+### Project Team (Optional)
+
+- Include only if roles/names are known or responsibility mapping is needed
+- Extract names and roles from PRD, ADR, or project context if available
+- If names are unknown, either omit or use role placeholders for drafts
+- Map testing responsibilities to each role (e.g., who owns E2E tests, who signs off)
+
+### Tooling and Access (System-Level QA Document Only)
+
+- Include only if non-standard tools or access requests are required
+- List notable tools/services needed for test execution and any access approvals
+- Avoid assuming specific vendors unless the project context names them
+- Mark each item's status as Ready or Pending based on available information
+- This section applies only to `test-design-qa-template.md` output
+
+### Implementation Planning Handoff (Optional)
+
+- Include only if test design produces implementation tasks that must be scheduled
+- Derive items from Dependencies & Test Blockers, tooling/access needs, and QA infra setup
+- If no dedicated QA, assign ownership to Dev/Platform as appropriate
+- Keep the list short; avoid per-milestone breakdown tables
+
+### Interworking & Regression
+
+- Identify services and components that interact with or are affected by the feature under test
+- For each, define what existing regression tests must pass before release
+- Note any cross-team coordination needed for regression validation (e.g., shared staging environments, upstream API contracts)