feat: bootstrap b2bcall saas architecture

- monorepo skeleton (apps/, packages/, infrastructure/, scripts/, docs/)
- docker-compose with PostgreSQL 18 and Redis 7 (localhost-only)
- .gitignore and .env.example
- initial TODO.md and docs/ARCHITECTURE.md

TODO.md

@@ -0,0 +1,37 @@
+# TODO — B2BCall
+
+## PHASE 01 — Infrastructure
+- [x] Diagnóstico do servidor (Debian 13, 2 vCPU, ~1.9GB RAM, 26GB disco livre)
+- [x] Docker + Docker Compose instalados
+- [x] Estrutura de monorepo criada (apps/, packages/, infrastructure/, scripts/, docs/)
+- [x] PostgreSQL 18 (docker-compose, porta 127.0.0.1:5432)
+- [x] Redis 7 (docker-compose, porta 127.0.0.1:6379)
+- [x] Secrets gerados em `.env` (POSTGRES_PASSWORD, REDIS_PASSWORD, JWT_SECRET, JWT_REFRESH_SECRET, ENCRYPTION_KEY, ESL_PASSWORD)
+- [x] `FREESWITCH_PAT` configurado em `.env` (não commitado)
+- [ ] FreeSWITCH (build/imagem própria, ver risco de RAM abaixo)
+- [ ] nginx (reverse proxy)
+
+## PHASE 02 — SaaS Core
+- [ ] Monorepo Node.js/TypeScript (workspaces, tsconfig base)
+- [ ] `packages/database` (schema, migrations)
+- [ ] `packages/types`, `packages/shared`
+
+## PHASE 03 — Tenant Isolation
+- [ ] Tabela `tenants` + RLS
+- [ ] Tenant context em transação PostgreSQL
+
+## PHASE 04 — Authentication / RBAC
+- [ ] Login (Argon2id), access/refresh tokens
+- [ ] roles/permissions/user_roles/role_permissions
+
+## PHASE 05+ — ver `agente.md` seções 15 em diante (FreeSWITCH, Telefonia, Call Center,
+Predictive Dialer, Recordings, AI, Billing, Frontend, Reports, Security, Tests)
+
+---
+
+## Riscos conhecidos
+- **RAM da VM (1.9GB total)**: insuficiente para rodar toda a stack (Postgres + Redis +
+  FreeSWITCH + múltiplos workers Node + Next.js) simultaneamente sem swap/OOM. Avaliar
+  upgrade de RAM antes de subir FreeSWITCH + frontend + workers juntos.
+- **Disco (26GB livre)**: build do FreeSWITCH + imagens Docker + gravações vão consumir
+  espaço rápido. Monitorar com `df -h`.