feat(S15): card "Time de você" — quarto modelo auto-serviço no funil público (Closes #1161)

.env.example

@@ -30,6 +30,12 @@ S3_SECRET_ACCESS_KEY=
 # normalizes them to HTTP; otherwise this configured origin is the only fallback.
 NEXT_PUBLIC_SITE_URL=http://localhost:3000
 
+# S15 — test seam for the on-device card cutout. `1` swaps the MediaPipe engine
+# for a deterministic stub (e2e builds and the Playwright webServer only; the
+# real engine must run in dev/production). Local E2E_PROD=1 builds set it too:
+#   NEXT_PUBLIC_CARDS_CUTOUT_STUB=1 pnpm build
+NEXT_PUBLIC_CARDS_CUTOUT_STUB=
+
 # Shared secret guarding POST /api/revalidate, which busts ISR cache tags on demand.
 # Needed after direct-DB writes (e.g. `pnpm db:seed:posts`, Onda 0 migrations) since those
 # bypass the deployed Payload hooks. Default tag is `posts`; allowlisted tags also include

.github/workflows/ci-pr.yml

@@ -221,6 +221,9 @@ jobs:
         env:
           NEXT_DIST_DIR: .next-e2e
           NEXT_PUBLIC_SITE_URL: https://feed.e2e.teqo.test
+          # S15 — deterministic cutout stub: the e2e build never downloads the
+          # MediaPipe wasm nor runs inference.
+          NEXT_PUBLIC_CARDS_CUTOUT_STUB: '1'
       - name: E2E tests (blast radius — manifest-selected or curated specs)
         if: steps.scope.outputs.e2e_mode == 'selected' || steps.scope.outputs.e2e_mode == 'curated'
         # OPS72 + OPS86: the PR never runs e2e full — a high-risk diff runs

.github/workflows/deploy.yml

@@ -195,6 +195,9 @@ jobs:
         env:
           NEXT_DIST_DIR: .next-e2e
           NEXT_PUBLIC_SITE_URL: https://feed.e2e.teqo.test
+          # S15 — deterministic cutout stub: the e2e build never downloads the
+          # MediaPipe wasm nor runs inference.
+          NEXT_PUBLIC_CARDS_CUTOUT_STUB: '1'
       - name: E2E tests (full suite, single job, 4 workers)
         # Explicit CI workers; the local default stays 2 (playwright.config.ts).
         # No `--` separator: pnpm would forward it verbatim to playwright and

.gitignore

@@ -124,6 +124,9 @@ next-env.d.ts
 # Proprietary design font files kept only in the local workspace
 /public/arial-mt/
 
+# S15 — MediaPipe wasm runtime, copied from node_modules at dev/build time
+/public/cards/mediapipe/
+
 /data/encode/
 /data/poster-candidates/
 

Dockerfile

@@ -43,6 +43,10 @@ ENV NEXT_TELEMETRY_DISABLED=1
 # the deploy script applies them BEFORE this build (OPS66: static routes read
 # the new schema, so the build must see a migrated DB).
 #
+# S15 — copy the MediaPipe wasm runtime into public/ so the card cutout runs
+# same-origin (the files are gitignored build artifacts, never committed).
+RUN node scripts/copy-card-vision-assets.mjs
+
 # OPS99: Generate importMap with dummy S3_* envs BEFORE next build.
 # This ensures the production image always has the S3ClientUploadHandler entry,
 # eliminating the class of bugs where the admin goes blank (OPS69/OPS72/OPS73).

docs/changelog/2026-09-18-s15-card-time-de-voce.md

@@ -0,0 +1 @@
+**S15 — Card "Time de você": quarto modelo auto-serviço no funil público (2026-09-18):** o funil de cards (`#cards` da home + `/cards`) ganha o quarto modelo: nome + foto de busto, remoção de fundo 100% no aparelho (nenhum byte sai), auto-enquadramento pelo bbox alfa (topo no slot, centrado, com pan/zoom existentes como escape) e o card `TIME DE <NOME>` composto na ordem base → recorte → overlay → banners (geometria medida: vermelho `#E50E2F`/`#FFEC01` −3,5°, azul `#0061A5`/branco −4,1°; nome em 1 linha, `too-long` com a mesma mensagem do modelo de nome). Motor MediaPipe `selfie_segmenter` (Apache-2.0, float16): wasm ~12MB lazy e same-origin copiado de `node_modules` em dev/build (`scripts/copy-card-vision-assets.mjs`; gitignored), modelo de 244KB commitado com NOTICE, sem COOP/COEP (precedente c167) e sem CDN de terceiros; `@imgly` (AGPL) rejeitado para o bundle. Catálogo puro ganha `kind: 'team'` + `overlaySrc`/`previewSrc`/`badge`, `renderTeamCard`/`drawCardBanner` com ops de rotação no ctx estrutural, `frameCardPhotoOnBbox` e o hook `useCardCutout` (progresso, retry com o mesmo arquivo, run-id, fail-closed em bbox degenerado); e2e determinístico via stub (`NEXT_PUBLIC_CARDS_CUTOUT_STUB=1`, só dev/e2e). Sem migration, sem collection/Consent novo, sem persistência — `Contact`/Payload intocados. Design gate certificado pelo `designer` (cenas 1–7). Verificação: unit dos 4 specs puros, `pnpm gate:fast`, e2e do `frontend` (29 verdes), motor real exercitado no browser em 390/1280 com download de PNG.

docs/plans/cards-time-de-voce-impl.md

@@ -0,0 +1,196 @@
+# Impl: Card "Time de você": quarto modelo auto-serviço no funil público
+
+Status: aprovado
+Atualizado em: 2026-09-18
+Issue: #1161
+Intenção: docs/plans/cards-time-de-voce.md
+Appetite restante: herdado — ~2–3 dias eng (3 fases somam ≤3 dias; sem migration)
+
+## Leitura da intenção
+
+- **Outcome:** o funil de cards (home `#cards` + `/cards`, S13/S14) ganha o quarto modelo — `Time de você`: nome + foto de busto, fundo removido no aparelho, card `TIME DE <NOME>` com a foto recortada no centro sobre o fundo oficial e os banners no topo, baixável em PNG — sem conta e sem nenhum byte da foto saindo do aparelho.
+- **O que NÃO negociar:**
+  - 100% client-side: sem upload, sem persistência, sem analytics de PII; nome/foto nunca saem do aparelho.
+  - Um único editor/fluxo: quarto item do catálogo no MESMO `CardsStudio`/`CardComposer`; `/cards` e `?model=time-de-voce` continuam.
+  - Artes-mestre intocadas (compor por cima, nunca redesenhar); geometria literal medida: janela da foto `{286,439,592,577}`; banner `TIME DE` centro (545,162) ≈693×118, −3,5°, `#E50E2F`, texto `#FFEC01` cap ≈93; banner do nome centro (545,313) ≈509×176, −4,1°, `#0061A5`, nome `#FFFFFF` cap ≈130, tinta ≤470, 1 linha, cap mín ≈56.
+  - Nome nunca cortado em silêncio: se não couber no cap mínimo → mesma mensagem de nome curto do modelo de nome.
+  - Recorte local com progresso; falha → erro claro com retry, sem beco sem saída.
+  - Sem migration/collection/CMS/Consent novo; sem headers globais que quebrem o embed (precedente c167).
+- **O que reavaliar (hipóteses da intenção):**
+  - **Motor recomendado (`@imgly/background-removal`)**: reavaliado e rejeitado — o `LICENSE` do repo é proprietário ("All Rights Reserved") e o pacote é AGPL-3.0; detalhe na Decisão 1. A escolha final era explicitamente do plano de implementação.
+  - **“O composer carrega UMA imagem base e ramifica por kind”**: o time precisa de DOIS assets (base + overlay frontal) e de um estado de processamento — é um ramo de compositor/tempo, não um `photoWindow` a mais.
+  - **“3 ids pinados”**: os pins de unit (`tests/unit/cardModels.unit.spec.ts:7`) e o loop de tiles do e2e (:1712) quebram com o 4º modelo; atualizá-los faz parte da entrega.
+
+## Abordagem recomendada
+
+```mermaid
+flowchart LR
+  H["home: seção cards / rota /cards"] --> S["CardsStudio — ilha única (S13/S14)"]
+  S --> G["CardModelGallery — 4 tiles, grid 4x1 no lg"]
+  G -->|"tile Time de você"| C["CardComposer — editor único"]
+  C --> I["nome + foto de busto"]
+  I --> HK["useCardCutout — idle → processing → ready | error"]
+  HK --> AD["cardCutout — adapter DOM (src/components/cards)"]
+  AD --> MP["MediaPipe selfie segmenter — wasm + tflite same-origin"]
+  MP -->|"máscara de confiança"| AD
+  AD -->|"cutout canvas + bbox alfa"| HK
+  HK --> FR["frameCardPhotoOnBbox — puro (cardPhotoTransform)"]
+  FR --> RT["renderTeamCard — puro (base → foto → overlay → banners)"]
+  RT --> PV["prévia canvas + controles existentes"]
+  C -->|"Criar meu card"| R["resultado"]
+  R --> DL["Baixar PNG no aparelho"]
+  CM["cardModels — catálogo único"] -.-> G
+  CM -.-> RT
+```
+
+**Opções consideradas:** A) estender o funil S13/S14 (catálogo + composer + render puros + adapter DOM novo) | B) rota/editor novo só para o time | C) recorte como serviço/API/iframe.
+**Recomendação:** A — o quarto modelo é um item do catálogo num funil que já tem editor único, shells e núcleo puro; reusar mantém o anti-goal "segundo editor" cortado e cabe no appetite.
+**Rejeitadas:** B porque cria dois fluxos (o rabbit hole de produto) e duplica shells/estado; C porque viola o aceite "nenhum byte sai do aparelho".
+
+### Decisões de engenharia
+
+1. **Motor de remoção de fundo — MediaPipe selfie segmenter (Apache-2.0), 100% self-hosted.**
+   Opções: A) `@imgly/background-removal` no navegador (CDN padrão ou self-host do pacote de dados; ~40MB no 1º uso; progresso nativo; AGPL-3.0) | B) `@mediapipe/tasks-vision` `ImageSegmenter` + `selfie_segmenter.tflite` float16 256×256 (Apache-2.0; wasm SIMD ~11,7MB + modelo ~244KB; sem COOP/COEP) | C) recorte no servidor/API | D) ONNX Runtime Web + modelo próprio.
+   Recomendação: B — Apache-2.0 compatível com o `LICENSE` proprietário do repo (imgly é AGPL-3.0; o repo é público mas "All Rights Reserved": visibilidade do código ≠ concessão de direitos AGPL, então a §13 não está satisfeita; o `@imgly/background-removal-node` de `scripts/resize-images.mjs` é ferramenta local de script, não distribuída ao usuário, e não vale como precedente de bundle); primeiro uso de ~12MB de wasm (cacheado) + 244KB em vez de ~40MB no celular; roda sem COOP/COEP (wasm single-thread, sem SharedArrayBuffer — respeita o c167); assets same-origin sob `public/cards/` (sem CDN em runtime; e2e hermético); a expectativa honesta de busto/fundo simples já está no aceite.
+   Rejeitadas: A por licença + peso no celular + CDN de terceiro executando JS no browser (o self-host do pacote de dados imgly é grande demais para repo/imagem); C por PII/serviço; D por reimplementar runtime/wasm/hosting/modelo (fora do appetite) sem ganho sobre B.
+   Hospedagem/carregamento: `selfie_segmenter.tflite` commitado em `public/cards/` (origem e Apache-2.0 documentados no código); wasm copiado de `node_modules/@mediapipe/tasks-vision/wasm/` para `public/cards/mediapipe/wasm/` (gitignored) por `scripts/copy-card-vision-assets.mjs`, disparado no preflight do `scripts/dev.mjs`, no `prebuild` (CI) e num `RUN` do estágio builder do Dockerfile (o runner copia `public/`). `await import('@mediapipe/tasks-vision')` dentro do adapter (code-split; só o modelo time paga); `FilesetResolver.forVisionTasks('/cards/mediapipe/wasm')` + `createFromOptions({ baseOptions: { modelAssetBuffer }, outputConfidenceMasks: true, runningMode: 'IMAGE' })`; main thread com yield antes do `segment()` (bloqueio de poucas centenas de ms); worker só com jank medido (gatilho).
+   Progresso/falha: pré-aquecimento do wasm com fetch streaming por bytes + modelo passado como buffer → ratio real; adapter devolve `{ ok:true; canvas; size; bbox } | { ok:false; reason:'engine'|'empty' }`; um único estado de erro recuperável (`Tentar de novo` com o mesmo File guardado / `Escolher outra foto`); nenhum log em console (fixture e2e).
+
+2. **Quarto modelo — `kind: 'team'` explícito + campos aditivos, sem pipeline genérico.**
+   Opções: A) terceiro valor de `kind` + `overlaySrc`/`previewSrc`/`badge` opcionais + `renderTeamCard` reusando a math existente | B) manter `kind:'photo'` e detectar o time por flags (`photoWindow`+`nameSlot`) | C) refatorar para um pipeline de camadas (`layers[]`) para os 4 modelos | D) render/editor dedicado por id.
+   Recomendação: A — o modelo tem foto + nome + overlay + processamento, então não é nenhum dos dois kinds atuais; o discriminante explícito mantém os 3 modelos entregues no mesmo caminho (mesmos unit pins de render) e deixa o composer ramificar uma vez. `renderTeamCard` (base → foto → overlay → banners) reusa `cardPhotoDrawRect`/`clampCardPhotoTransform`, `fitCardName` e um helper novo de banner; `overlaySrc`/`previewSrc` aditivos não mudam os modelos existentes. Fato verificado nos assets: `team-card-base.png` é opaco, `team-card-front.png` só cobre y≥971 e nenhum asset contém os banners — os dois banners (retângulo + texto) são desenhados pelo render com os literais medidos.
+   Rejeitadas: B porque esconde um fluxo novo (processar/recortar) atrás de flags de um tipo antigo; C porque refatora o render dos 3 modelos por generalidade especulativa (risco + reescreve pins); D porque duplica editor/render (anti-goal).
+
+3. **Auto-enquadramento — bbox alfa no adapter + math pura reusando o transform existente.**
+   Opções: A) math nova em `cardPhotoTransform.ts` (`frameCardPhotoOnBbox`) convertendo para o `CardPhotoTransform` atual e passando pelo `clampCardPhotoTransform`; bbox no adapter via canvas `getImageData` | B) calcular um draw rect direto, sem o transform (perde pan/zoom reusados) | C) enquadrar "no olho" no adapter, sem função pura.
+   Recomendação: A — `zoom = clamp(coverNecessário(bbox→janela) / coverScale(fonte,janela), 1, CARD_PHOTO_MAX_ZOOM)`; topo do bbox encosta no topo da janela e o centro x do bbox alinha ao centro da janela; clamp final garante cobertura, e os controles de arrastar/zoom/setas do S13/S14 seguem funcionando com a transform resultante. Bbox: canvas de trabalho limitado a 1600px na maior aresta (memória/scan), varredura única de alpha>32; degenerado (vazio ou < ~24px) OU zoom necessário > 4 → `null` → erro recuperável (`empty-cutout`) — nunca card com foto invisível/minúscula.
+   Rejeitadas: B porque joga fora o escape de ajuste e a garantia de cobertura; C porque não é testável puro e o adapter é DOM.
+
+4. **Fit do nome — reusar `fitCardName` com slot novo; rotação via ops no ctx estrutural.**
+   Opções: A) `TEAM_CARD_NAME_SLOT` (1 linha, centrado, cap 130, tinta 470, cap mín 56, rotação −4,1°) + união `CardNameSlot` discriminada por `align` (`'left'` | `'center'`) + `CardDrawContext` ganhando `save/restore/translate/rotate/fillRect` | B) `fitTeamName` nova | C) desenhar o nome sem centralizar/rotacionar.
+   Recomendação: A — a máquina de fit (probe de cap, shrink, mínimo, `too-long`) é a mesma; `NAME_CARD_SLOT` ganha `align:'left'` sem mudar comportamento e os pins atuais continuam passando; `drawCardName` ramifica por `align`; um helper `drawCardBanner` desenha retângulo e texto centrados/rotacionados (label fixo `TIME DE` cap 93/−3,5° e nome com o cap do fit); o fake ctx dos units registra a sequência `save → translate → rotate → fillRect → fillText → restore`, mantendo os testes existentes.
+   Rejeitadas: B (twin da mesma matemática), C (viola a fidelidade medida do exemplo).
+
+5. **Estado do composer — hook `useCardCutout` + estado de UI no composer.**
+   Opções: A) hook `src/components/cards/useCardCutout.ts` dono do ciclo do motor (`idle → processing → ready | error`, retry, run id, desmontagem) consumido pelo `CardComposer` | B) `useState` no `CardComposer` | C) store/contexto global.
+   Recomendação: A — o ciclo do engine (import dinâmico, fases, progresso, guarda de corrida/desmontagem, File do retry, dispose do segmenter) é uma preocupação coesa vizinha do adapter; o composer já tem ~500 linhas e ganharia mais 6 estados. CTA `Criar meu card` só com `cutout.status==='ready'` + `nameFit.ok` + assets prontos; passo `result` inalcançável antes disso; `Baixar meu card` só no result (nunca baixa exemplo/estado intermediário). A11y: picker/retry são `<button>`; progresso em `role="status"`/`aria-live="polite"`; erro em `role="alert"`; o preview pronto reusa `tabIndex`/setas/zoom do bloco de foto; `Cancelar`/fechar funcionam em qualquer fase (não aborta o promise; run id ignora resultado tardio).
+   Rejeitadas: B (espalha o ciclo e a guarda de corrida no componente grande), C (não há segundo consumidor).
+
+6. **Testes — unit puro obrigatório; e2e com seam do motor; int não se aplica.**
+   Opções: A) estender os specs de unit e o describe do `frontend.e2e.spec.ts` com stub do motor via flag de build | B) spec e2e novo com engine real no CI | C) testar pixels/jsdom.
+   Recomendação: A — o stub (flag `NEXT_PUBLIC_CARDS_CUTOUT_STUB=1`, nunca em produção; comportamento por `window.__cardsCutoutStub = 'ok' | 'slow' | 'error'` via `addInitScript`) evita baixar/rodar o wasm no CI e torna os estados (processing/ready/error/retry) determinísticos; o engine real é verificado no craft/UAT. Envs do stub: webServer do `playwright.config.ts` (dev) + step "Build for e2e" do `ci-pr.yml` e do `deploy.yml` (prod mode); documentar em `.env.example`.
+   Rejeitadas: B porque o CI baixaria ~12MB de wasm e a inferência sobre fixture sintético é não-determinística; C porque jsdom não tem canvas e fidelidade se prova no craft + download real.
+   Manifest: nenhuma entrada nova — `src/components/cards` e `src/lib/card` já mapeiam para `frontend` (`scripts/lib/e2e-affected-manifest.mjs:71-76`); `cardCutout`/`useCardCutout`/specs caem nesses prefixos, e `public/cards/*.tflite` não entra no classificador de e2e.
+
+7. **Copy — “três” → “quatro” e literais das cenas.**
+   Opções: A) editar os dois pontos canônicos (`cards/page.tsx:11` intro + `CardModelGallery.tsx:71` dica) e portar os literais das cenas 3–7 do design | B) centralizar tudo num arquivo de copy novo | C) reescrever a copy.
+   Recomendação: A — a intro é metadata (`metadata.description = intro`) e a dica é a única outra menção; o compositor do time usa os literais do design: títulos "Entre para o time"/"Preparando sua foto"/"Confira seu card"; ajuda do nome "Vai aparecer em caixa alta depois de “TIME DE”. Use um nome curto e conhecido."; bloco "Sua foto de busto" + "Para um recorte melhor, escolha uma foto nítida, de frente e com fundo simples." + "Escolher foto"; processamento "Baixando o modelo de recorte…" + "Na primeira vez, o modelo precisa ser baixado. Depois, vamos remover o fundo da foto no seu aparelho. Isso pode levar um pouco."; pronto "O recorte já foi centralizado. Se precisar, arraste a foto ou use os controles." + "Arraste para ajustar" + "Trocar foto"; erro "Não foi possível remover o fundo desta foto." / "Tente de novo ou escolha outra foto." / "Fotos de busto, nítidas e com fundo simples costumam funcionar melhor." + "Tentar de novo"/"Escolher outra foto"; nome longo reusa a mensagem exata existente ("Não foi possível encaixar esse nome no card. Use um nome mais curto, como você é chamado.") + "A foto escolhida e o recorte permanecem salvos neste aparelho enquanto você corrige o nome."; privacidade reusa `CARD_PRIVACY_NOTE`/`CARD_PHOTO_PRIVACY_NOTE`; eyebrow/título/corpo da home não mudam.
+   Rejeitadas: B (1–2 call sites cada, sem compartilhamento), C (o gate é o design).
+
+### Componentes / mudanças
+
+- **`src/lib/cardModels.ts`** (editar): `kind` vira `'name' | 'photo' | 'team'`; 4º modelo `time-de-voce` (`assetSrc` base, `overlaySrc` front, `previewSrc` example, 1080×1440, `photoWindow {286,439,592,577}`, `badge 'NOVO'`); `TEAM_CARD_NAME_SLOT` (align center, centerX 545, capTop 248, capHeight 130, maxInkWidth 470, minCapHeight 56, maxLines 1, fill `#FFFFFF`, rotationDeg −4.1), `TEAM_CARD_NAME_BANNER` (545,313, 509×176, `#0061A5`, −4.1°) e `TEAM_CARD_LABEL` (693×118 centro (545,162) `#E50E2F`, texto `TIME DE`, cap 93, `#FFEC01`, −3.5°); `CardModel` ganha `overlaySrc?/previewSrc?/badge?`; `isCardModelId` cobre o novo id de graça.
+- **`src/lib/cardNameFit.ts`** (editar): `CardNameSlot` vira união discriminada por `align` (`left`+`leftX` | `center`+`centerX`+`rotationDeg`); matemática de fit intocada.
+- **`src/lib/cardPhotoTransform.ts`** (editar): `CardAlphaBbox` + `frameCardPhotoOnBbox(source, window, bbox): CardPhotoTransform | null`.
+- **`src/lib/cardRender.ts`** (editar): `CardDrawContext` ganha `save/restore/translate/rotate/fillRect`; `drawCardName` ramifica `align`; `drawCardBanner`; `renderTeamCard` (base → foto pelo transform → front → banner `TIME DE` + nome fitado; devolve fit/clamp; fit falho desenha os banners fixos sem o nome — nunca corta).
+- **`src/components/cards/cardCutout.ts`** (novo, adapter client-safe): dynamic import do tasks-vision; prefetch streaming do wasm; modelo como buffer; `segment()` após yield; confiança→alpha (`destination-in` bilinear), bbox (alpha>32, canvas ≤1600px), higiene de memória (`close()` de máscaras/segmenter); branch do stub.
+- **`src/components/cards/useCardCutout.ts`** (novo, client): máquina de estados, progresso por fase, `process(file)`, `retry()` (mesmo File), `reset()`, run id, dispose.
+- **`src/components/cards/CardComposer.tsx`** (editar): ramo `isTeamModel` com as cenas (idle exemplo + nome + foto; processing base + status/barra; ready canvas + controles + `Trocar foto`; erro de recorte; nome longo inline com CTA off); carrega `overlaySrc` junto do `assetSrc`; `canAdvance`/download condicionados ao cutout ready.
+- **`src/components/cards/CardModelTile.tsx`** (editar): `src={model.previewSrc ?? model.assetSrc}`, `sizes` para 4 colunas (~260px no lg), selo `NOVO`.
+- **`src/components/cards/CardModelGallery.tsx`** (editar): grid desktop `lg:grid-cols-4`; dica "Deslize para ver os quatro modelos".
+- **`src/app/(frontend)/(home)/cards/page.tsx`** (editar): intro/metadata "Escolha um dos quatro modelos…".
+- **`src/app/(frontend)/styles.css`** (editar): tokens `--team-red/--team-yellow/--team-blue` no tema `campaign-site` (port do artefato; o canvas mantém os literais no lib).
+- **`scripts/copy-card-vision-assets.mjs`** (novo; idempotente, importável) + **`scripts/dev.mjs`** (preflight) + **`package.json`** (`prebuild`) + **`Dockerfile`** (`RUN` no builder antes do `next build`) + **`.gitignore`** (`/public/cards/mediapipe/`) + **`.env.example`** (flag do stub).
+- **`public/cards/selfie_segmenter.tflite`** (novo, ~244KB, Apache-2.0, origem documentada).
+- **`playwright.config.ts`**, **`.github/workflows/ci-pr.yml`**, **`.github/workflows/deploy.yml`** (editar): `NEXT_PUBLIC_CARDS_CUTOUT_STUB=1` no webServer dev e nos builds de e2e (nunca em produção).
+- **Testes** (editar): `tests/unit/cardModels.unit.spec.ts`, `cardNameFit.unit.spec.ts`, `cardPhotoTransform.unit.spec.ts`, `cardRender.unit.spec.ts`; `tests/e2e/frontend.e2e.spec.ts` (describe novo + loop de tiles do S14).
+- **`docs/changelog/2026-09-18-s15-card-time-de-voce.md`** (novo).
+- **Migration:** sem migration — nenhuma collection/global/field toca o schema; `push:false` intocado.
+- **Access / Consent:** não se aplica — nenhuma superfície Payload; nome/foto nunca saem do aparelho; sem chave nova de Consent e sem persistência.
+- **UI:** Impeccable C — shape (artefato aprovado, cenas 1–7) → craft (port class-by-class; grid 4×1; engine real em fotos de busto; progresso/erro) → critique (a11y, mobile 390, copy) → polish. Shells reusados: `CardsStudio`, `ui/dialog`, `ui/Drawer`, `CardPreviewCanvas`; tokens `--pt-red`/`--campaign-*` + `--team-*`; alvos ≥44px, contraste ≥4,5:1, `role=status`/`role=alert`, foco preso e retorno ao tile.
+
+### Dados → forma (se aplicável)
+
+Não se aplica (data-presentation Q3): nenhum KPI, mapa ou série; a única "forma" é a geometria do próprio card (literais medidos) e o progresso do processamento. Nome e foto são insumos locais da imagem — nunca dados apresentados, coletados ou enviados.
+
+## Fases verificáveis
+
+1. **Tracer da geometria + catálogo** — quota ~0,75 dia. Catálogo com o 4º modelo/slots; `CardNameSlot` com `align`; `CardDrawContext` com ops; `drawCardBanner` + `renderTeamCard`; `frameCardPhotoOnBbox`; units atualizados. O composer abre o time e desenha base+banners+nome (sem recorte) para calibrar contra `team-card-example.jpg` (posição/rotação/corpo/cores).
+   Prova: `pnpm gate:fast` verde; `/cards?model=time-de-voce` mostra `TIME DE MARIA` nas posições medidas; pin dos 4 ids passa.
+2. **Motor + auto-enquadramento + estados** — quota ~1–1,5 dia. Dependência + script de cópia + tflite; `cardCutout` + `useCardCutout`; auto-frame; controles reusados; processing/ready/error/retry; stub seam + envs de e2e.
+   Prova: `pnpm gate:fast` verde; no browser, fotos de busto reais recortam e enquadram (topo encostado/centrado), progresso aparece, foto ruim cai no erro com retry, sem COOP/COEP; wasm servido same-origin.
+3. **UI/copy/galeria + e2e + gates** — quota ~0,5–0,75 dia. Grid 4×1 + selo NOVO + `sizes`; dica/intro "quatro"; copy das cenas; craft/critique/polish; e2e do describe novo; changelog; `pnpm gate:fast`; e2e local (`pnpm test:e2e --no-deps -- tests/e2e/frontend.e2e.spec.ts -g "Time de você"`); `pnpm push`.
+   Prova: e2e verde com stub (galeria 4 tiles + selo; `/cards?model=time-de-voce` idle → processing → ready → resultado → download `card-jorge-solla-time-de-voce.png` com assinatura PNG; falha do recorte → `role=alert` + `Tentar de novo`/`Escolher outra foto` e retry vira ready; nome longo → mensagem de nome curto com CTA desabilitado; drawer mobile); unit dos 4 specs; fixture de console-error intacto.
+
+## Rabbit holes / Não escopo (engenharia)
+
+- Worker/OffscreenCanvas/COOP+COEP/multithread sem jank medido — o engine roda single-thread same-origin; gatilho: bloqueio perceptível de main thread no craft.
+- Máscara manual (pincel/borracha), detecção de rosto, múltiplas pessoas, "recorte perfeito", correção automática de foto.
+- Segundo editor/rota/fluxo; abrir o motor para os 3 modelos existentes; 5º modelo; CMS de modelos/métricas.
+- Refatorar `cardRender` para pipeline genérico de camadas.
+- Compartilhamento social, persistência de nome/foto/arte, upload, conta, analytics de PII.
+- Substituir o `@imgly/background-removal-node` dos scripts (gatilho: se o tooling deixar de ser interno); nenhum pacote AGPL no bundle do navegador.
+- Testes de pixel no jsdom/snapshot visual/e2e com o engine real (fidelidade se prova no craft + download real).
+- Headers globais no `next.config.mjs` (COOP/COEP quebraria o embed do YouTube — c167).
+
+## Revisão da sessão (simplify) — resolvido, adiado com gatilho, fora
+
+**Resolvido no simplify (não reabrir):** janela do banner embutida no slot (`slot.banner`,
+`maxLines: 1` literal) em vez de constante global; transform do recorte derivado
+(`photoTransform ?? ready.transform`) sem efeito-espelho (fim do frame de base puro); helper
+`cardPhotoTransformsEqual` compartilhado; `try/finally` fechando `MPMask`/resultado/bitmap no
+adapter; throttle de progresso dono único (adapter, 100 ms) com o hook sem dedupe duplicado;
+`bbox` removido do estado pronto do hook; campo do nome extraído (`TeamNameField` + mensagem
+única) e renderizado também no estado pronto com nome longo (não é mais beco sem saída);
+título/descrição/larguras por IIFE/mapa em vez de ternários aninhados; `role=status` só no
+rótulo da fase (leitor de tela não anuncia o percentual a cada tick); um único botão primário
+(`Processando…` via label); `handleTeamPhotoFile` não bloqueia o input; `void buffer` morto;
+NOTICE Apache-2.0 do `selfie_segmenter.tflite`; CardNameSlot importado só de `cardModels`;
+tipo do slot centralizado (`align` + banner); eyebrow/erro sem duplicação.
+
+**Adiados com gatilho (engenharia):**
+
+- **Fatiar o `CardComposer` em subcomponentes de estado** (processing/error/ready) — adjudicado
+  durante a revisão como polish de legibilidade com risco de plumbing; hoje o arquivo tem
+  ~830 linhas e 3 ramos de time. Gatilho: um 5º modelo OU folga de ~0,5 dia no próximo
+  item do funil de cards.
+- **`disposeCardCutout()` no unmount** — o singleton do segmenter é cache de vida da página
+  (recriar a sessão wasm por abertura custaria segundos); máscaras/bitmaps são liberados por
+  resultado. Gatilho: memória do tab virar problema medido (heap profiler) em uso prolongado.
+- **Stub de e2e em módulo lazy** — o stub é pequeno e o flag é build-time (`NEXT_PUBLIC_*`);
+  mover para import dinâmico só se o bundle inicial do cards crescer além do appetite.
+- **`slot?` opcional do `renderTeamCard`/`slot` do adaptador de e2e pinado por import** —
+  flexibilidade sem call site; documentado, sem Issue (score ≤2).
+
+**Explicitamente fora (não reabrir):** detalhe do erro do motor na UI (engine/empty usam a
+mesma copy recuperável por decisão de produto); `CardModel` como união discriminada por kind
+(Decisão 2 registrou campos aditivos); união/dispose do segmenter (acima); preview sem
+`text-balance` no drawer (herdado do shell, acessível); trigger duplicado do wasm em dev/build
+(Dockerfile não roda `prebuild` — comentado nos três pontos).
+
+## Riscos e mitigação
+
+- **Qualidade de borda do selfie segmenter (cabelo) abaixo do ISNet:** o aceite é honesto (busto/fundo simples, sem recorte perfeito); craft com fotos reais; alpha da máscara de confiança + escala bilinear suaviza a borda. Gatilho de revisão: se o UAT reprovar, o adapter é o único ponto a trocar (decisão de motor reaberta com o custo de licença explícito).
+- **Licença AGPL do pacote já existente:** `@imgly/background-removal-node` continua restrito a scripts/dev (não distribuído ao usuário).
+- **Build standalone sem os wasm:** o script de cópia roda no builder e no `prebuild`; o aceite verifica fetch 200 same-origin das URLs do wasm no deploy.
+- **Wasm grande no primeiro uso (~12MB):** lazy (nada no bundle inicial), cache HTTP, progresso explícito; sem headers globais.
+- **Bbox degenerado/segmentação vazia:** fail-closed com erro recuperável (nunca card com foto invisível); unit cobre o frame e e2e cobre o estado de erro.
+- **Corrida entre tentativas/troca de foto:** run id no hook; resultado antigo ignorado; desmontar não seta estado e faz dispose seguro.
+- **e2e instável:** stub determinístico evita wasm/inferência/console logs no CI; o describe S14 existente é ajustado (loop com 4 ids) no mesmo PR.
+- **`prebuild` novo no fluxo de build:** script idempotente/rápido, roda em CI/dev/Docker; falha de cópia falha o build (não silencia).
+- **iOS/Safari:** wasm SIMD suportado nas versões atuais; `destination-in`/`getImageData` ok; validar no craft (iPhone físico, como no S13).
+- **Fonte no canvas:** banners só desenham depois de `ensureCardFont` — sem fallback medido errado.
+
+## Aceite de engenharia
+
+- [ ] Aceite de produto da intenção ainda coberto: 4º modelo `Time de você` na home e `/cards` (mesmo editor/shells); nome + foto de busto; `TIME DE <NOME>` nos banners com a foto recortada no centro sobre o fundo oficial; recorte no aparelho com progresso e retry; auto-enquadrado com pan/zoom como escape; nome em 1 linha com erro acionável (mesma mensagem); `/cards?model=time-de-voce`; toque e teclado; sem conta/analytics de PII; expectativa honesta de recorte.
+- [ ] Invariantes AGENTS/engineering-standards: sem migration/collection/Consent; `src/lib` puro e sem DOM (engine no adapter em `src/components/cards`); copy pt-BR/identificadores em inglês; sem `as never`; knip sem órfãos; artes-mestre intocadas; `pnpm gate:fast` + e2e da superfície + `pnpm push` verdes.
+- [ ] Testes de domínio previstos: unit dos módulos puros (catálogo 4 ids, `frameCardPhotoOnBbox`, fit do slot do time, ordem/ops do `renderTeamCard`) obrigatório; e2e no spec `frontend` com stub do motor (processing/ready/download real/erro/retry/nome longo/mobile); **int não se aplica** — não há Payload/DB/access nem escrita multi-collection neste fluxo (100% client-side + assets estáticos).
+
+## Self-score decision-quality: 5/5
+
+1. **Decisões caras com rejeitadas:** motor (licença/hosting/progresso), 4º kind, auto-frame, fit/rotação, estado/hook, harness de e2e e copy — todas com Opções/Recomendação/Rejeitadas.
+2. **Cabe no appetite:** 3 fases ≤3 dias, sem migration/infra nova; tracer de geometria antes do motor pesado.
+3. **Rabbit holes nomeados:** worker/COOP, máscara manual, segundo editor, pipeline genérico, engine real no CI, CDN de terceiros.
+4. **Depth check:** reusa `CardsStudio`/shells, `fitCardName`, `cardPhotoTransform`/clamp, `cardRender`, `loadCardImage`/`loadCardPhoto`/`ensureCardFont`, prewarm/manifest/specs; nada de abstração especulativa.
+5. **Intenção preservada:** aceite de produto intacto (outcome, geometria literal, privacidade, expectativa honesta); a engenharia só resolveu a escolha de motor que a intenção deixou explicitamente aberta.

eslint.config.mjs

@@ -253,6 +253,8 @@ const eslintConfig = [
     'coverage/**',
     // Vendored agent material (same carve-out as .prettierignore):
     '.agents/**',
+    // S15 — MediaPipe wasm glue copied from node_modules (generated, gitignored):
+    'public/cards/mediapipe/**',
   ]),
 ]
 

package.json

@@ -21,6 +21,7 @@
   "license": "UNLICENSED",
   "type": "module",
   "scripts": {
+    "prebuild": "node scripts/copy-card-vision-assets.mjs",
     "build": "cross-env NODE_OPTIONS=\"--no-deprecation --conditions=react-server\" payload migrate && cross-env NODE_OPTIONS=\"--no-deprecation --max-old-space-size=8000\" next build",
     "db:start": "node scripts/db-start.mjs",
     "db:stop": "docker compose -p teqo down",
@@ -101,6 +102,7 @@
     "@fullcalendar/react": "7.0.2",
     "@hookform/resolvers": "^5.2.2",
     "@imgly/background-removal-node": "^1.4.5",
+    "@mediapipe/tasks-vision": "^1.0.1",
     "@payloadcms/db-postgres": "3.82.0",
     "@payloadcms/email-resend": "3.82.0",
     "@payloadcms/live-preview-react": "3.82.0",

playwright.config.ts

@@ -220,6 +220,13 @@ export default defineConfig({
       env: {
         DATABASE_URL: process.env.DATABASE_URL as string,
         PORT: webServerPort,
+        /*
+         * S15 — the card-cutout engine is replaced by a deterministic stub in
+         * tests: no 12 MB wasm download, no inference, no console noise. The
+         * real engine is exercised manually (craft/UAT). CI's prod build passes
+         * the same flag in its "Build for e2e" step.
+         */
+        NEXT_PUBLIC_CARDS_CUTOUT_STUB: process.env.NEXT_PUBLIC_CARDS_CUTOUT_STUB ?? '1',
         /*
          * C122 — the fake service-account key lets the agenda Google mirror
          * derive real states (synced/disabled/paused) in the server process.

pnpm-lock.yaml

@@ -29,6 +29,9 @@ importers:
       '@imgly/background-removal-node':
         specifier: ^1.4.5
         version: 1.4.5
+      '@mediapipe/tasks-vision':
+        specifier: ^1.0.1
+        version: 1.0.1
       '@payloadcms/db-postgres':
         specifier: 3.82.0
         version: 3.82.0(payload@3.82.0(@typescript/typescript6@6.0.2)(graphql@16.12.0))
@@ -1789,6 +1792,9 @@ packages:
     peerDependencies:
       yjs: '>=13.5.22'
 
+  '@mediapipe/tasks-vision@1.0.1':
+    resolution: {integrity: sha512-rvRE2FmAZ6ZxKSw7wq+e+jQDpN3t1B/tD2mJz9SmAzb1msoDkd4dMoE4wAh8Z30Um0PQwLiHr9QtomhmXk3aUQ==}
+
   '@modelcontextprotocol/sdk@1.27.1':
     resolution: {integrity: sha512-sr6GbP+4edBwFndLbM60gf07z0FQ79gaExpnsjMGePXqFcSSb7t6iscpjk9DhFhwd+mTEQrzNafGP8/iGGFYaA==}
     engines: {node: '>=18'}
@@ -9490,6 +9496,8 @@ snapshots:
       lexical: 0.41.0
       yjs: 13.6.29
 
+  '@mediapipe/tasks-vision@1.0.1': {}
+
   '@modelcontextprotocol/sdk@1.27.1(zod@3.25.76)':
     dependencies:
       '@hono/node-server': 1.19.11(hono@4.12.7)

public/cards/selfie_segmenter.LICENSE.txt

@@ -0,0 +1,25 @@
+selfie_segmenter.tflite
+=======================
+
+Model: MediaPipe Selfie Segmenter (float16, 256x256)
+Source: https://storage.googleapis.com/mediapipe-models/image_segmenter/selfie_segmenter/float16/1/selfie_segmenter.tflite
+SHA-256: 191ac9529ae506ee0beefa6b2c945a172dab9d07d1e802a290a4e4038226658b
+
+Copyright 2023 The MediaPipe Authors.
+
+Licensed under the Apache License, Version 2.0 (the "License");
+you may not use this file except in compliance with the License.
+You may obtain a copy of the License at
+
+    http://www.apache.org/licenses/LICENSE-2.0
+
+Unless required by applicable law or agreed to in writing, software
+distributed under the License is distributed on an "AS IS" BASIS,
+WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, either express or implied.
+See the License for the specific language governing permissions and
+limitations under the License.
+
+The MediaPipe Vision wasm runtime is not vendored here: the published npm
+package `@mediapipe/tasks-vision` (also Apache-2.0) is copied into
+public/cards/mediapipe/wasm/ at dev/build time by
+scripts/copy-card-vision-assets.mjs.

scripts/copy-card-vision-assets.mjs

@@ -0,0 +1,53 @@
+#!/usr/bin/env node
+/**
+ * S15 — copies the MediaPipe Vision wasm runtime into `public/cards/mediapipe/`
+ * so the card cutout runs 100% same-origin (no CDN executing JS in the
+ * visitor's browser; the e2e suite never touches the network).
+ *
+ * The wasm is a gitignored build artifact: this script runs in `pnpm dev`
+ * (preflight), in `pnpm build` (npm `prebuild`) and in the Docker builder
+ * before `next build`, so both the dev server and the standalone image serve
+ * the files. Idempotent and cheap: a file already present with the same byte
+ * size is skipped.
+ */
+import { mkdir, readFile, stat, writeFile } from 'node:fs/promises'
+import path from 'node:path'
+import { fileURLToPath, pathToFileURL } from 'node:url'
+
+const WASM_FILES = [
+  'vision_wasm_internal.js',
+  'vision_wasm_internal.wasm',
+  'vision_wasm_nosimd_internal.js',
+  'vision_wasm_nosimd_internal.wasm',
+]
+
+export const copyCardVisionAssets = async (repoRoot) => {
+  const sourceDir = path.join(repoRoot, 'node_modules/@mediapipe/tasks-vision/wasm')
+  const targetDir = path.join(repoRoot, 'public/cards/mediapipe/wasm')
+  await mkdir(targetDir, { recursive: true })
+
+  for (const name of WASM_FILES) {
+    const source = path.join(sourceDir, name)
+    const target = path.join(targetDir, name)
+
+    try {
+      const [sourceStat, targetStat] = await Promise.all([
+        stat(source),
+        stat(target).catch(() => null),
+      ])
+      if (targetStat && targetStat.size === sourceStat.size) continue
+      await writeFile(target, await readFile(source))
+      console.log(`[copy-card-vision-assets] ${name}`)
+    } catch (error) {
+      throw new Error(
+        `[copy-card-vision-assets] failed to copy ${name}: ${error instanceof Error ? error.message : error}`,
+      )
+    }
+  }
+}
+
+const isDirectRun = process.argv[1] && import.meta.url === pathToFileURL(process.argv[1]).href
+if (isDirectRun) {
+  const repoRoot = path.resolve(path.dirname(fileURLToPath(import.meta.url)), '..')
+  await copyCardVisionAssets(repoRoot)
+}

scripts/dev.mjs

@@ -14,6 +14,7 @@
 import { spawn } from 'node:child_process'
 import { createRequire } from 'node:module'
 
+import { copyCardVisionAssets } from './copy-card-vision-assets.mjs'
 import './guard-dev-db.mjs'
 import { dieWithLabel, loadCliEnv, nextDevArgs, resolveDevPort } from './lib/cli.mjs'
 
@@ -22,6 +23,14 @@ const die = dieWithLabel('dev')
 
 loadCliEnv()
 
+// S15 — the card-cutout wasm runtime is a gitignored artifact: make sure the dev
+// server serves it same-origin before Next boots.
+try {
+  await copyCardVisionAssets(process.cwd())
+} catch (error) {
+  die(error.message)
+}
+
 let port
 try {
   port = resolveDevPort(process.env)

src/app/(frontend)/(home)/cards/page.tsx

@@ -8,7 +8,7 @@ import { CardsStudio } from '@/components/cards/CardsStudio'
 import { isCardModelId } from '@/lib/cardModels'
 
 const intro =
-  'Escolha um dos três modelos, personalize com seu nome ou sua foto e baixe para compartilhar.'
+  'Escolha um dos quatro modelos, personalize com seu nome ou sua foto e baixe para compartilhar.'
 
 export const metadata: Metadata = {
   title: 'Crie seu card de apoio | Jorge Solla',

src/app/(frontend)/styles.css

@@ -184,6 +184,11 @@ body,
   --campaign-band: #ebe9e9;
   --campaign-line: rgb(0 0 0 / 12%);
   --campaign-content-inset: clamp(20px, calc(25.36vw - 79.64px), 180px);
+  /* S15 — literal colors of the "Time de você" card banners, measured from the
+     reference card. The canvas renderer keeps the same literals in `src/lib`. */
+  --team-red: #e50e2f;
+  --team-yellow: #ffec01;
+  --team-blue: #0061a5;
   /* S9 — the "novidades" capture form sits on the light band, so the field
      border must be visible against it (the :root default is a white border
      for the dark WhatsApp page). */

src/components/cards/CardComposer.tsx

@@ -5,6 +5,7 @@ import {
   ArrowLeftIcon,
   ArrowRightIcon,
   ArrowUpIcon,
+  CheckIcon,
   MinusIcon,
   PlusIcon,
 } from 'lucide-react'
@@ -20,20 +21,27 @@ import {
 } from '@/components/cards/cardCanvas'
 import { CARD_PHOTO_PRIVACY_NOTE, CARD_PRIVACY_NOTE } from '@/components/cards/cardCopy'
 import { CardPreviewCanvas } from '@/components/cards/CardPreviewCanvas'
+import { useCardCutout } from '@/components/cards/useCardCutout'
 import { DialogDescription, DialogHeader, DialogTitle } from '@/components/ui/dialog'
 import { DrawerDescription, DrawerHeader, DrawerTitle } from '@/components/ui/Drawer'
-import type { CardModel } from '@/lib/cardModels'
-import type { CardNameFit } from '@/lib/cardNameFit'
+import { TEAM_CARD_NAME_SLOT, type CardModel, type CardRect } from '@/lib/cardModels'
+import { fitCardName, type CardNameFit } from '@/lib/cardNameFit'
 import {
   CARD_PHOTO_MAX_ZOOM,
   CARD_PHOTO_MIN_ZOOM,
+  cardPhotoTransformsEqual,
   centerCardPhotoTransform,
   panCardPhotoTransform,
   zoomCardPhotoTransform,
   type CardPhotoSize,
   type CardPhotoTransform,
 } from '@/lib/cardPhotoTransform'
-import { createCardMeasure, renderNameCard, renderPhotoCard } from '@/lib/cardRender'
+import {
+  createCardMeasure,
+  renderNameCard,
+  renderPhotoCard,
+  renderTeamCard,
+} from '@/lib/cardRender'
 
 const primaryButtonClassName =
   'inline-flex min-h-11 flex-1 items-center justify-center rounded-lg bg-(--pt-red) px-5 text-sm font-extrabold text-white transition hover:brightness-95 focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:ring-offset-2 focus-visible:outline-none disabled:cursor-not-allowed disabled:opacity-50'
@@ -42,6 +50,57 @@ const secondaryButtonClassName =
 const controlButtonClassName =
   'inline-flex size-11 items-center justify-center rounded-lg border border-(--campaign-line) bg-white text-(--campaign-ink) transition-colors hover:bg-(--campaign-band) focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:outline-none'
 
+const NAME_TOO_LONG_MESSAGE =
+  'Não foi possível encaixar esse nome no card. Use um nome mais curto, como você é chamado.'
+
+/** S15 design gate: the team preview width per state. */
+type TeamPreviewStage = 'idle' | 'processing' | 'ready' | 'result'
+const TEAM_PREVIEW_WIDTH: Record<TeamPreviewStage, string> = {
+  idle: 'max-w-[10.75rem]',
+  processing: 'max-w-[9rem]',
+  ready: 'max-w-[15rem]',
+  result: 'max-w-[11.875rem]',
+}
+
+const TeamNameField = ({
+  id,
+  value,
+  onChange,
+  error,
+  inputClassName,
+}: {
+  id: string
+  value: string
+  onChange: (value: string) => void
+  error: boolean
+  inputClassName: string
+}) => (
+  <div>
+    <label htmlFor={id} className="block text-sm font-bold text-(--campaign-ink)">
+      Seu nome
+    </label>
+    <input
+      id={id}
+      type="text"
+      value={value}
+      onChange={(event) => onChange(event.target.value)}
+      autoComplete="off"
+      maxLength={60}
+      placeholder="Como você é chamado"
+      aria-invalid={error}
+      className={inputClassName}
+    />
+    <p className="mt-2 text-xs leading-5 text-(--campaign-muted)">
+      Vai aparecer em caixa alta depois de “TIME DE”. Use um nome curto e conhecido.
+    </p>
+    {error ? (
+      <p role="alert" className="mt-2 text-sm leading-5 font-semibold text-(--pt-red)">
+        {NAME_TOO_LONG_MESSAGE}
+      </p>
+    ) : null}
+  </div>
+)
+
 type CardComposerProps = {
   model: CardModel
   shell: 'dialog' | 'drawer'
@@ -58,6 +117,8 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
   const [photoError, setPhotoError] = useState<string | null>(null)
   const [loadState, setLoadState] = useState<'loading' | 'ready' | 'error'>('loading')
   const [baseImage, setBaseImage] = useState<HTMLImageElement | null>(null)
+  const [overlayImage, setOverlayImage] = useState<HTMLImageElement | null>(null)
+  const [previewImage, setPreviewImage] = useState<HTMLImageElement | null>(null)
   const [downloadError, setDownloadError] = useState<string | null>(null)
   const [isDownloading, setIsDownloading] = useState(false)
 
@@ -68,10 +129,32 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
   const zoomInputId = useId()
 
   const photoWindow = model.photoWindow
+  const isNameModel = model.kind === 'name'
+  const isTeamModel = model.kind === 'team'
+  const cutout = useCardCutout(photoWindow)
+  const cutoutState = cutout.state
+
+  const teamProcessing = cutoutState.status === 'processing' ? cutoutState : null
+  const teamError = cutoutState.status === 'error' ? cutoutState : null
+  const teamReady = cutoutState.status === 'ready' ? cutoutState : null
+
   const photoSize = useMemo<CardPhotoSize | null>(
     () => (photo ? { width: photo.naturalWidth, height: photo.naturalHeight } : null),
     [photo],
   )
+  const transformSourceSize = useMemo<CardPhotoSize | null>(() => {
+    if (!isTeamModel) return photoSize
+    return teamReady ? { width: teamReady.width, height: teamReady.height } : null
+  }, [isTeamModel, photoSize, teamReady])
+
+  /**
+   * The cutout carries the initial framing; local state takes over after the
+   * first pan/zoom. Deriving (instead of mirroring through an effect) keeps the
+   * first ready paint composed — no bare-base frame.
+   */
+  const effectiveTransform = isTeamModel
+    ? (photoTransform ?? teamReady?.transform ?? null)
+    : photoTransform
 
   // Assets + font load once per model: typing/panning must not flip the preview
   // back into the loading state (flicker) nor re-announce the live region.
@@ -79,14 +162,22 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
     let cancelled = false
     setLoadState('loading')
     setBaseImage(null)
+    setOverlayImage(null)
+    setPreviewImage(null)
 
     const load = async () => {
       try {
         const fontReady = await ensureCardFont(fontFamily)
         if (!fontReady) throw new Error('card-font-unavailable')
-        const image = await loadCardImage(model.assetSrc)
+        const [image, overlay, preview] = await Promise.all([
+          loadCardImage(model.assetSrc),
+          model.overlaySrc ? loadCardImage(model.overlaySrc) : Promise.resolve(null),
+          model.previewSrc ? loadCardImage(model.previewSrc) : Promise.resolve(null),
+        ])
         if (cancelled) return
         setBaseImage(image)
+        setOverlayImage(overlay)
+        setPreviewImage(preview)
         setLoadState('ready')
       } catch {
         if (!cancelled) setLoadState('error')
@@ -97,7 +188,7 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
     return () => {
       cancelled = true
     }
-  }, [model.assetSrc, fontFamily])
+  }, [model.assetSrc, model.overlaySrc, model.previewSrc, fontFamily])
 
   useEffect(() => {
     const ctx = canvasRef.current?.getContext('2d')
@@ -105,7 +196,7 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
 
     ctx.clearRect(0, 0, model.width, model.height)
 
-    if (model.kind === 'name') {
+    if (isNameModel) {
       setNameFit(
         renderNameCard(ctx, model, {
           image: baseImage,
@@ -117,20 +208,44 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
       return
     }
 
-    if (photo && photoTransform && photoWindow && photoSize) {
+    if (isTeamModel) {
+      const measure = createCardMeasure(ctx, fontFamily)
+
+      if (teamReady && overlayImage && effectiveTransform && photoWindow) {
+        const result = renderTeamCard(ctx, model, {
+          base: baseImage,
+          overlay: overlayImage,
+          photo: teamReady.canvas,
+          photoSize: { width: teamReady.width, height: teamReady.height },
+          transform: effectiveTransform,
+          window: photoWindow,
+          name,
+          fontFamily,
+          measure,
+        })
+        setNameFit(result.fit)
+        if (!cardPhotoTransformsEqual(result.transform, effectiveTransform)) {
+          setPhotoTransform(result.transform)
+        }
+        return
+      }
+
+      setNameFit(fitCardName(name, measure, TEAM_CARD_NAME_SLOT))
+      const idleImage = cutoutState.status === 'idle' && previewImage ? previewImage : baseImage
+      ctx.drawImage(idleImage, 0, 0, model.width, model.height)
+      return
+    }
+
+    if (photo && effectiveTransform && photoWindow && photoSize) {
       const clamped = renderPhotoCard(ctx, {
         photo,
         frame: baseImage,
         photoSize,
         frameSize: { width: model.width, height: model.height },
         window: photoWindow,
-        transform: photoTransform,
+        transform: effectiveTransform,
       })
-      if (
-        clamped.zoom !== photoTransform.zoom ||
-        clamped.offsetX !== photoTransform.offsetX ||
-        clamped.offsetY !== photoTransform.offsetY
-      ) {
+      if (!cardPhotoTransformsEqual(clamped, effectiveTransform)) {
         setPhotoTransform(clamped)
       }
       return
@@ -141,7 +256,23 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
       ctx.fillRect(0, 0, model.width, model.height)
       ctx.drawImage(baseImage, 0, 0, model.width, model.height)
     }
-  }, [baseImage, loadState, model, name, fontFamily, photo, photoSize, photoTransform, photoWindow])
+  }, [
+    baseImage,
+    overlayImage,
+    previewImage,
+    loadState,
+    isNameModel,
+    isTeamModel,
+    teamReady,
+    cutoutState.status,
+    model,
+    name,
+    fontFamily,
+    photo,
+    photoSize,
+    effectiveTransform,
+    photoWindow,
+  ])
 
   const handlePhotoFile = async (file: File | undefined) => {
     if (!file || !photoWindow) return
@@ -165,8 +296,31 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
     }
   }
 
+  const handleTeamPhotoFile = (file: File | undefined) => {
+    if (!file) return
+    setPhotoError(null)
+    setPhotoTransform(null)
+    void cutout.start(file)
+    if (fileInputRef.current) fileInputRef.current.value = ''
+  }
+
+  /** Applies a pan/zoom update over the derived or user-owned transform. */
+  const withTransform = (
+    update: (
+      transform: CardPhotoTransform,
+      size: CardPhotoSize,
+      window: CardRect,
+    ) => CardPhotoTransform,
+  ) => {
+    if (!transformSourceSize || !photoWindow) return
+    setPhotoTransform((current) => {
+      const base = current ?? (isTeamModel ? (teamReady?.transform ?? null) : null)
+      return base ? update(base, transformSourceSize, photoWindow) : base
+    })
+  }
+
   const handlePointerDown = (event: PointerEvent<HTMLCanvasElement>) => {
-    if (!photoSize || !photoWindow) return
+    if (!transformSourceSize || !photoWindow) return
     dragRef.current = { pointerId: event.pointerId, x: event.clientX, y: event.clientY }
     event.currentTarget.setPointerCapture(event.pointerId)
   }
@@ -174,14 +328,14 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
   const handlePointerMove = (event: PointerEvent<HTMLCanvasElement>) => {
     const drag = dragRef.current
     const canvas = canvasRef.current
-    if (!drag || drag.pointerId !== event.pointerId || !photoSize || !photoWindow || !canvas) return
+    if (!drag || drag.pointerId !== event.pointerId || !canvas) return
 
     const scale = model.width / Math.max(1, canvas.getBoundingClientRect().width)
     const dx = (event.clientX - drag.x) * scale
     const dy = (event.clientY - drag.y) * scale
     dragRef.current = { ...drag, x: event.clientX, y: event.clientY }
-    setPhotoTransform((current) =>
-      current ? panCardPhotoTransform(current, photoSize, photoWindow, dx, dy) : current,
+    withTransform((transform, size, window) =>
+      panCardPhotoTransform(transform, size, window, dx, dy),
     )
   }
 
@@ -190,16 +344,14 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
   }
 
   const panBy = (dx: number, dy: number) => {
-    if (!photoSize || !photoWindow) return
-    setPhotoTransform((current) =>
-      current ? panCardPhotoTransform(current, photoSize, photoWindow, dx, dy) : current,
+    withTransform((transform, size, window) =>
+      panCardPhotoTransform(transform, size, window, dx, dy),
     )
   }
 
   const zoomTo = (zoom: number) => {
-    if (!photoSize || !photoWindow) return
-    setPhotoTransform((current) =>
-      current ? zoomCardPhotoTransform(current, photoSize, photoWindow, zoom) : current,
+    withTransform((transform, size, window) =>
+      zoomCardPhotoTransform(transform, size, window, zoom),
     )
   }
 
@@ -219,31 +371,64 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
     }
   }
 
-  const isNameModel = model.kind === 'name'
   const nameCanAdvance = nameFit?.ok === true
-  const canAdvance = isNameModel ? nameCanAdvance : photo !== null
-  const nameError = isNameModel && name.trim().length > 0 && nameFit !== null && !nameFit.ok
-  const title =
-    step === 'result'
-      ? 'Seu card está pronto para compartilhar.'
-      : isNameModel
-        ? 'Personalize com seu nome'
-        : 'Enquadre sua foto'
-  const description =
-    step === 'result' || isNameModel
-      ? null
-      : 'Arraste para posicionar e use os controles para aproximar ou ajustar.'
+  const canAdvance = isNameModel
+    ? nameCanAdvance
+    : isTeamModel
+      ? teamReady !== null && nameCanAdvance
+      : photo !== null
+  const nameError =
+    (isNameModel || isTeamModel) && name.trim().length > 0 && nameFit !== null && !nameFit.ok
+  const adjustable = isTeamModel ? teamReady !== null : photo !== null
+  const title = (() => {
+    if (step === 'result') return 'Seu card está pronto para compartilhar.'
+    if (isNameModel) return 'Personalize com seu nome'
+    if (!isTeamModel) return 'Enquadre sua foto'
+    if (teamProcessing) return 'Preparando sua foto'
+    if (teamError) return 'Vamos tentar outra vez'
+    if (nameError) return 'Encurte o nome'
+    if (teamReady) return 'Confira seu card'
+    return 'Entre para o time'
+  })()
+  const description = (() => {
+    if (step === 'result' || isNameModel) return null
+    if (isTeamModel) {
+      return teamReady && !nameError
+        ? 'O recorte já foi centralizado. Se precisar, arraste a foto ou use os controles.'
+        : null
+    }
+    return 'Arraste para posicionar e use os controles para aproximar ou ajustar.'
+  })()
+  const eyebrow = isTeamModel
+    ? step === 'result'
+      ? 'Tudo certo'
+      : teamError
+        ? 'Falha no recorte'
+        : nameError
+          ? 'Nome muito longo'
+          : 'Time de você'
+    : null
+  const eyebrowNode = eyebrow ? (
+    <p className="text-[10px] font-black tracking-[0.1em] text-(--pt-red) uppercase sm:text-xs">
+      {eyebrow}
+    </p>
+  ) : null
 
+  // The drawer header defaults to centered + `shrink-0`, so a long description
+  // would overflow the popup; `text-left!` + `flex-1` port the design gate
+  // (left-aligned, wrapped header) for every model in the shared composer.
   const header =
     shell === 'dialog' ? (
       <DialogHeader className="min-w-0 text-left">
+        {eyebrowNode}
         <DialogTitle className="text-xl font-black tracking-[-0.01em] text-balance">
           {title}
         </DialogTitle>
         {description ? <DialogDescription>{description}</DialogDescription> : null}
       </DialogHeader>
     ) : (
-      <DrawerHeader className="min-w-0 text-left">
+      <DrawerHeader className="min-w-0 flex-1 text-left!">
+        {eyebrowNode}
         <DrawerTitle className="text-lg font-black tracking-[-0.01em] text-balance">
           {title}
         </DrawerTitle>
@@ -251,97 +436,17 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
       </DrawerHeader>
     )
 
-  return (
-    <div className="flex min-h-0 flex-1 flex-col bg-(--background) text-(--foreground)">
-      <div className="flex items-start gap-3 px-5 pt-5">
-        {header}
-        <button
-          type="button"
-          onClick={onClose}
-          aria-label="Fechar"
-          className="inline-flex size-11 shrink-0 items-center justify-center rounded-lg text-xl leading-none text-(--campaign-muted) transition-colors hover:bg-(--campaign-band) hover:text-(--campaign-ink) focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:outline-none"
-        >
-          ×
-        </button>
-      </div>
+  const teamPreviewStage: TeamPreviewStage =
+    step === 'result' ? 'result' : teamReady ? 'ready' : teamProcessing ? 'processing' : 'idle'
+  const previewWidthClassName = isTeamModel ? TEAM_PREVIEW_WIDTH[teamPreviewStage] : 'max-w-[22rem]'
 
-      <div className="min-h-0 flex-1 overflow-y-auto overscroll-contain px-5 pt-4 pb-5">
-        <p className="sr-only" role="status" aria-live="polite">
-          {loadState === 'loading' ? 'Carregando prévia…' : ''}
-        </p>
+  const nameInputClassName = `mt-2 h-11 w-full rounded-lg bg-white px-3 text-base text-(--campaign-ink) focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:outline-none ${
+    nameError
+      ? 'border-2 border-(--pt-red)'
+      : 'border border-(--field-border) focus-visible:border-(--pt-red)'
+  }`
 
-        <div
-          className={`relative mx-auto w-full max-w-[22rem] ${photo ? 'touch-none' : ''}`}
-          tabIndex={photo ? 0 : undefined}
-          role={photo ? 'group' : undefined}
-          aria-label={photo ? 'Ajuste da foto' : undefined}
-          onKeyDown={
-            photo
-              ? (event) => {
-                  const step = event.shiftKey ? 48 : 12
-                  const deltas: Record<string, [number, number]> = {
-                    ArrowLeft: [-step, 0],
-                    ArrowRight: [step, 0],
-                    ArrowUp: [0, -step],
-                    ArrowDown: [0, step],
-                  }
-                  const delta = deltas[event.key]
-                  if (!delta) return
-                  event.preventDefault()
-                  panBy(delta[0], delta[1])
-                }
-              : undefined
-          }
-        >
-          <CardPreviewCanvas
-            model={model}
-            canvasRef={canvasRef}
-            className={`mx-auto block h-auto max-h-[38dvh] w-auto max-w-full rounded-lg border border-(--campaign-line) shadow-sm transition-opacity ${
-              loadState === 'loading' ? 'opacity-60' : 'opacity-100'
-            }`}
-            onPointerDown={photo ? handlePointerDown : undefined}
-            onPointerMove={photo ? handlePointerMove : undefined}
-            onPointerUp={photo ? handlePointerEnd : undefined}
-            onPointerCancel={photo ? handlePointerEnd : undefined}
-          />
-        </div>
-
-        {loadState === 'error' ? (
-          <p role="alert" className="mt-3 text-sm font-semibold text-(--pt-red)">
-            Não foi possível carregar o modelo. Recarregue a página e tente de novo.
-          </p>
-        ) : null}
-
-        {step === 'compose' && isNameModel ? (
-          <div className="mt-5">
-            <label htmlFor={nameInputId} className="block text-sm font-bold text-(--campaign-ink)">
-              Seu nome
-            </label>
-            <input
-              id={nameInputId}
-              type="text"
-              value={name}
-              onChange={(event) => setName(event.target.value)}
-              autoComplete="off"
-              maxLength={60}
-              className="mt-2 h-11 w-full rounded-lg border border-(--field-border) bg-white px-3 text-base text-(--campaign-ink) focus-visible:border-(--pt-red) focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:outline-none"
-            />
-            <p className="mt-2 text-xs text-(--campaign-muted)">
-              Use seu primeiro nome ou o nome pelo qual as pessoas conhecem você.
-            </p>
-            {nameError ? (
-              <p role="alert" className="mt-2 text-sm font-semibold text-(--pt-red)">
-                Não foi possível encaixar esse nome no card. Use um nome mais curto, como você é
-                chamado.
-              </p>
-            ) : null}
-            <p className="mt-2 text-xs text-(--campaign-muted)">{CARD_PRIVACY_NOTE}</p>
-          </div>
-        ) : null}
-
-        {step === 'compose' && !isNameModel && photoWindow ? (
-          <div className="mt-5">
-            {photo && photoTransform ? (
+  const zoomAndPanControls = effectiveTransform ? (
     <>
       <div className="flex items-center gap-3">
         <label htmlFor={zoomInputId} className="text-sm font-bold text-(--campaign-ink)">
@@ -350,7 +455,7 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
         <button
           type="button"
           aria-label="Diminuir zoom"
-                    onClick={() => zoomTo(photoTransform.zoom - 0.1)}
+          onClick={() => zoomTo(effectiveTransform.zoom - 0.1)}
           className={controlButtonClassName}
         >
           <MinusIcon className="size-4" aria-hidden="true" />
@@ -361,14 +466,14 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
           min={CARD_PHOTO_MIN_ZOOM}
           max={CARD_PHOTO_MAX_ZOOM}
           step={0.05}
-                    value={photoTransform.zoom}
+          value={effectiveTransform.zoom}
           onChange={(event) => zoomTo(Number(event.target.value))}
           className="h-11 w-full flex-1 accent-(--pt-red)"
         />
         <button
           type="button"
           aria-label="Aumentar zoom"
-                    onClick={() => zoomTo(photoTransform.zoom + 0.1)}
+          onClick={() => zoomTo(effectiveTransform.zoom + 0.1)}
           className={controlButtonClassName}
         >
           <PlusIcon className="size-4" aria-hidden="true" />
@@ -413,22 +518,246 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
         </div>
       </div>
     </>
+  ) : null
+
+  return (
+    <div className="flex min-h-0 flex-1 flex-col bg-(--background) text-(--foreground)">
+      <div className="flex items-start gap-3 px-5 pt-5">
+        {header}
+        <button
+          type="button"
+          onClick={onClose}
+          aria-label="Fechar"
+          className="inline-flex size-11 shrink-0 items-center justify-center rounded-lg text-xl leading-none text-(--campaign-muted) transition-colors hover:bg-(--campaign-band) hover:text-(--campaign-ink) focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:outline-none"
+        >
+          ×
+        </button>
+      </div>
+
+      <div className="min-h-0 flex-1 overflow-y-auto overscroll-contain px-5 pt-4 pb-5">
+        <p className="sr-only" role="status" aria-live="polite">
+          {loadState === 'loading' ? 'Carregando prévia…' : ''}
+        </p>
+
+        <div
+          className={`relative mx-auto w-full ${previewWidthClassName} ${adjustable ? 'touch-none' : ''}`}
+          tabIndex={adjustable ? 0 : undefined}
+          role={adjustable ? 'group' : undefined}
+          aria-label={adjustable ? 'Ajuste da foto' : undefined}
+          onKeyDown={
+            adjustable
+              ? (event) => {
+                  const step = event.shiftKey ? 48 : 12
+                  const deltas: Record<string, [number, number]> = {
+                    ArrowLeft: [-step, 0],
+                    ArrowRight: [step, 0],
+                    ArrowUp: [0, -step],
+                    ArrowDown: [0, step],
+                  }
+                  const delta = deltas[event.key]
+                  if (!delta) return
+                  event.preventDefault()
+                  panBy(delta[0], delta[1])
+                }
+              : undefined
+          }
+        >
+          <CardPreviewCanvas
+            model={model}
+            canvasRef={canvasRef}
+            className={`mx-auto block h-auto max-h-[38dvh] w-auto max-w-full rounded-lg border border-(--campaign-line) shadow-sm transition-opacity ${
+              loadState === 'loading' ? 'opacity-60' : 'opacity-100'
+            }`}
+            onPointerDown={adjustable ? handlePointerDown : undefined}
+            onPointerMove={adjustable ? handlePointerMove : undefined}
+            onPointerUp={adjustable ? handlePointerEnd : undefined}
+            onPointerCancel={adjustable ? handlePointerEnd : undefined}
+          />
+          {teamReady && step === 'compose' && !nameError ? (
+            <span className="pointer-events-none absolute right-2 bottom-2 rounded bg-black/70 px-2 py-1 text-[10px] font-bold text-white">
+              Arraste para ajustar
+            </span>
+          ) : null}
+        </div>
+
+        {loadState === 'error' ? (
+          <p role="alert" className="mt-3 text-sm font-semibold text-(--pt-red)">
+            Não foi possível carregar o modelo. Recarregue a página e tente de novo.
+          </p>
+        ) : null}
+
+        {step === 'compose' && isNameModel ? (
+          <div className="mt-5">
+            <label htmlFor={nameInputId} className="block text-sm font-bold text-(--campaign-ink)">
+              Seu nome
+            </label>
+            <input
+              id={nameInputId}
+              type="text"
+              value={name}
+              onChange={(event) => setName(event.target.value)}
+              autoComplete="off"
+              maxLength={60}
+              className="mt-2 h-11 w-full rounded-lg border border-(--field-border) bg-white px-3 text-base text-(--campaign-ink) focus-visible:border-(--pt-red) focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:outline-none"
+            />
+            <p className="mt-2 text-xs text-(--campaign-muted)">
+              Use seu primeiro nome ou o nome pelo qual as pessoas conhecem você.
+            </p>
+            {nameError ? (
+              <p role="alert" className="mt-2 text-sm font-semibold text-(--pt-red)">
+                {NAME_TOO_LONG_MESSAGE}
+              </p>
+            ) : null}
+            <p className="mt-2 text-xs text-(--campaign-muted)">{CARD_PRIVACY_NOTE}</p>
+          </div>
+        ) : null}
+
+        {step === 'compose' && isTeamModel && !teamProcessing && !teamReady && !teamError ? (
+          <div className="mt-5">
+            <TeamNameField
+              id={nameInputId}
+              value={name}
+              onChange={setName}
+              error={nameError}
+              inputClassName={nameInputClassName}
+            />
+            <div className="mt-5 rounded-lg border border-(--campaign-line) bg-(--campaign-surface) p-4">
+              <p className="text-sm font-bold text-(--campaign-ink)">Sua foto de busto</p>
+              <p className="mt-1 text-sm leading-5 text-(--campaign-muted)">
+                Para um recorte melhor, escolha uma foto nítida, de frente e com fundo simples.
+              </p>
+              <button
+                type="button"
+                onClick={() => fileInputRef.current?.click()}
+                className="mt-3 inline-flex min-h-11 w-full items-center justify-center rounded-lg border-2 border-(--campaign-line) bg-white px-5 text-sm font-extrabold text-(--pt-red) transition-colors hover:bg-(--campaign-band) focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:outline-none"
+              >
+                Escolher foto
+              </button>
+            </div>
+            <p className="mt-4 text-xs leading-5 text-(--campaign-muted)">{CARD_PRIVACY_NOTE}</p>
+          </div>
+        ) : null}
+
+        {step === 'compose' && teamProcessing ? (
+          <div className="mt-5">
+            <div className="flex items-center justify-between gap-3">
+              <p
+                role="status"
+                aria-live="polite"
+                className="text-sm font-bold text-(--campaign-ink)"
+              >
+                {teamProcessing.phase === 'download'
+                  ? 'Baixando o modelo de recorte…'
+                  : 'Removendo o fundo da foto…'}
+              </p>
+              <p aria-hidden="true" className="text-sm font-black text-(--pt-red)">
+                {Math.round(teamProcessing.ratio * 100)}%
+              </p>
+            </div>
+            <div
+              role="progressbar"
+              aria-label={`Progresso do recorte: ${Math.round(teamProcessing.ratio * 100)}%`}
+              aria-valuemin={0}
+              aria-valuemax={100}
+              aria-valuenow={Math.round(teamProcessing.ratio * 100)}
+              className="mt-2 h-2 overflow-hidden rounded-full bg-(--campaign-band)"
+            >
+              <div
+                className="h-full rounded-full bg-(--pt-red) transition-all"
+                style={{ width: `${Math.round(teamProcessing.ratio * 100)}%` }}
+              />
+            </div>
+            <p className="mt-3 text-sm leading-5 text-(--campaign-muted)">
+              Na primeira vez, o modelo precisa ser baixado. Depois, vamos remover o fundo da foto
+              no seu aparelho. Isso pode levar um pouco.
+            </p>
+            <div className="mt-4 flex items-start gap-3 rounded-lg bg-(--campaign-cream) p-3">
+              <span
+                aria-hidden="true"
+                className="mt-0.5 inline-flex size-5 shrink-0 items-center justify-center rounded-full bg-(--team-blue) text-white"
+              >
+                <CheckIcon className="size-3" aria-hidden="true" />
+              </span>
+              <p className="text-xs leading-5 text-(--campaign-muted)">{CARD_PHOTO_PRIVACY_NOTE}</p>
+            </div>
+          </div>
+        ) : null}
+
+        {step === 'compose' && teamError ? (
+          <div className="mt-5">
+            <div role="alert" className="rounded-lg border border-(--pt-red) bg-red-50 p-4">
+              <p className="text-sm font-black text-(--pt-red)">
+                Não foi possível remover o fundo desta foto.
+              </p>
+              <p className="mt-1 text-sm leading-5 text-(--campaign-ink)">
+                Tente de novo ou escolha outra foto.
+              </p>
+            </div>
+            <p className="mt-4 text-sm leading-5 text-(--campaign-muted)">
+              Fotos de busto, nítidas e com fundo simples costumam funcionar melhor.
+            </p>
+            <p className="mt-3 text-xs leading-5 text-(--campaign-muted)">
+              {CARD_PHOTO_PRIVACY_NOTE}
+            </p>
+            <div className="mt-5 flex gap-3">
+              <button
+                type="button"
+                onClick={() => fileInputRef.current?.click()}
+                className={secondaryButtonClassName}
+              >
+                Escolher outra foto
+              </button>
+              <button type="button" onClick={cutout.retry} className={primaryButtonClassName}>
+                Tentar de novo
+              </button>
+            </div>
+          </div>
+        ) : null}
+
+        {step === 'compose' && teamReady && photoWindow && transformSourceSize ? (
+          <div className="mt-5">
+            {nameError ? (
+              <>
+                <TeamNameField
+                  id={nameInputId}
+                  value={name}
+                  onChange={setName}
+                  error={nameError}
+                  inputClassName={nameInputClassName}
+                />
+                <p className="mt-4 text-xs leading-5 text-(--campaign-muted)">
+                  A foto escolhida e o recorte permanecem salvos neste aparelho enquanto você
+                  corrige o nome.
+                </p>
+              </>
+            ) : (
+              <>
+                {zoomAndPanControls}
+                <button
+                  type="button"
+                  onClick={() => fileInputRef.current?.click()}
+                  className={`${secondaryButtonClassName} mt-4 w-full`}
+                >
+                  Trocar foto
+                </button>
+                <p className="mt-3 text-xs leading-5 text-(--campaign-muted)">
+                  {CARD_PHOTO_PRIVACY_NOTE}
+                </p>
+              </>
+            )}
+          </div>
+        ) : null}
+
+        {step === 'compose' && !isNameModel && !isTeamModel && photoWindow ? (
+          <div className="mt-5">
+            {photo && effectiveTransform ? (
+              zoomAndPanControls
             ) : (
               <p className="text-sm text-(--campaign-muted)">
                 Escolha uma foto vertical ou horizontal para começar.
               </p>
             )}
 
-            <input
-              ref={fileInputRef}
-              type="file"
-              accept="image/*"
-              tabIndex={-1}
-              aria-hidden="true"
-              className="sr-only"
-              onChange={(event) => void handlePhotoFile(event.target.files?.[0])}
-            />
-
             {photoError ? (
               <div role="alert" className="mt-4 rounded-lg border border-(--pt-red) bg-white p-3">
                 <p className="text-sm font-bold text-(--pt-red)">Não foi possível usar esta foto</p>
@@ -452,9 +781,35 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
           </div>
         ) : null}
 
+        <input
+          ref={fileInputRef}
+          type="file"
+          accept="image/*"
+          tabIndex={-1}
+          aria-hidden="true"
+          className="sr-only"
+          onChange={(event) =>
+            isTeamModel
+              ? handleTeamPhotoFile(event.target.files?.[0])
+              : void handlePhotoFile(event.target.files?.[0])
+          }
+        />
+
         {step === 'result' ? (
           <div className="mt-5">
+            {isTeamModel ? (
+              <div className="flex items-start gap-3 rounded-lg bg-(--campaign-cream) p-3">
+                <span
+                  aria-hidden="true"
+                  className="inline-flex size-6 shrink-0 items-center justify-center rounded-full bg-green-700 text-white"
+                >
+                  <CheckIcon className="size-3.5" aria-hidden="true" />
+                </span>
+                <p className="text-xs leading-5 text-(--campaign-muted)">{CARD_PRIVACY_NOTE}</p>
+              </div>
+            ) : (
               <p className="text-sm text-(--campaign-muted)">{CARD_PRIVACY_NOTE}</p>
+            )}
             {downloadError ? (
               <p role="alert" className="mt-2 text-sm font-semibold text-(--pt-red)">
                 {downloadError}
@@ -476,7 +831,7 @@ export const CardComposer = ({ model, shell, fontFamily, onClose }: CardComposer
               onClick={() => setStep('result')}
               className={primaryButtonClassName}
             >
-              Criar meu card
+              {teamProcessing ? 'Processando…' : 'Criar meu card'}
             </button>
           </>
         ) : (

src/components/cards/CardModelGallery.tsx

@@ -12,10 +12,10 @@ const tileClassName =
   'group flex h-full w-full flex-col rounded-xl text-left focus-visible:outline-none focus-visible:ring-2 focus-visible:ring-(--pt-red) focus-visible:ring-offset-2 focus-visible:ring-offset-(--campaign-cream)'
 
 /**
- * S14 — the three models side by side on desktop and a one-item-with-peek snap
- * track on mobile, as buttons for the studio island: selecting a tile opens the
- * single composer in place (home or `/cards`). Both tracks come from the same
- * catalog (S13).
+ * S14/S15 — the four models side by side on desktop and a one-item-with-peek
+ * snap track on mobile, as buttons for the studio island: selecting a tile
+ * opens the single composer in place (home or `/cards`). Both tracks come from
+ * the same catalog (S13).
  */
 export const CardModelGallery = ({
   ariaLabel,
@@ -47,7 +47,7 @@ export const CardModelGallery = ({
     <div className="mt-8">
       <ul
         aria-label={`${ariaLabel} (desktop)`}
-        className="m-0 hidden list-none grid-cols-3 gap-5 p-0 sm:gap-6 lg:grid"
+        className="m-0 hidden list-none grid-cols-4 gap-5 p-0 sm:gap-6 lg:grid"
       >
         {CARD_MODELS.map((model) => (
           <li key={model.id} className="m-0">
@@ -68,7 +68,7 @@ export const CardModelGallery = ({
       </ul>
 
       <p className="mt-1 text-center text-xs font-semibold text-(--campaign-muted) lg:hidden">
-        Deslize para ver os três modelos
+        Deslize para ver os quatro modelos
       </p>
     </div>
   )

src/components/cards/CardModelTile.tsx

@@ -6,10 +6,11 @@ import type { CardModel } from '@/lib/cardModels'
 import { cn } from '@/lib/utils'
 
 /**
- * S13 — artwork preview of one card model, shared by the home section and the
- * `/cards` gallery. The name tile reuses the empty master with a `SEU NOME`
+ * S13/S15 — artwork preview of one card model, shared by the home section and
+ * the `/cards` gallery. The name tile reuses the empty master with a `SEU NOME`
  * preview drawn by the real composer pipeline (S14); the photo tiles show the
- * official transparent overlay above a neutral photo slot.
+ * official transparent overlay above a neutral photo slot; the team tile shows
+ * the filled example (`previewSrc`) with its `NOVO` badge.
  */
 export const CardModelTile = ({
   model,
@@ -50,10 +51,10 @@ export const CardModelTile = ({
     ) : null}
 
     <Image
-      src={model.assetSrc}
+      src={model.previewSrc ?? model.assetSrc}
       alt=""
       fill
-      sizes="(min-width: 1024px) 340px, 78vw"
+      sizes="(min-width: 1024px) 260px, 78vw"
       className="object-cover"
     />
 
@@ -63,6 +64,10 @@ export const CardModelTile = ({
       <span className="absolute top-3 right-3 inline-flex size-7 items-center justify-center rounded-full bg-(--pt-red) text-white shadow-md">
         <CheckIcon className="size-4" aria-hidden="true" />
       </span>
+    ) : model.badge ? (
+      <span className="absolute top-3 right-3 rounded-full bg-white/95 px-2.5 py-1 text-[10px] font-black text-(--team-blue) shadow">
+        {model.badge}
+      </span>
     ) : null}
   </span>
 )

src/components/cards/cardCutout.ts

@@ -0,0 +1,324 @@
+/**
+ * S15 — on-device background removal for the `Time de você` card. The visitor's
+ * photo never leaves the browser: the model + wasm are fetched from our own
+ * `/cards` static assets and inference runs locally. Kept out of `src/lib`
+ * because it touches DOM/worker APIs; the pure framing math stays in
+ * `cardPhotoTransform`.
+ *
+ * Engine: MediaPipe `@mediapipe/tasks-vision` ImageSegmenter with the Apache-2.0
+ * `selfie_segmenter.tflite` (float16, 256×256) — no COOP/COEP, single-threaded
+ * wasm, lazily imported only when the visitor picks the team model. The
+ * `@imgly` packages stay out of the bundle (AGPL + ~40 MB on mobile).
+ */
+
+import type { ImageSegmenter, MPMask } from '@mediapipe/tasks-vision'
+
+import type { CardAlphaBbox } from '@/lib/cardPhotoTransform'
+
+declare global {
+  interface Window {
+    /** Test seam: the e2e build stubs the engine through this flag. */
+    __cardsCutoutStub?: 'ok' | 'slow' | 'error'
+  }
+}
+
+const WASM_DIR = '/cards/mediapipe/wasm'
+const MODEL_URL = '/cards/selfie_segmenter.tflite'
+const CUTOUT_MAX_EDGE = 1600
+const ALPHA_THRESHOLD = 32
+const STUB_ENABLED = process.env.NEXT_PUBLIC_CARDS_CUTOUT_STUB === '1'
+const STUB_DELAY_MS = 1500
+const STUB_PROGRESS = 0.36
+/** Upscale target so the synthetic bbox passes the real cutout checks. */
+const STUB_MIN_EDGE = 400
+
+export type CardCutoutProgress = {
+  phase: 'download' | 'process'
+  /** 0..1 — real bytes while downloading, a coarse step while processing. */
+  ratio: number
+}
+
+type CardCutoutFailureReason = 'engine' | 'empty'
+
+export type CardCutoutResult =
+  | {
+      ok: true
+      canvas: HTMLCanvasElement
+      width: number
+      height: number
+      bbox: CardAlphaBbox
+    }
+  | { ok: false; reason: CardCutoutFailureReason }
+
+/**
+ * Removes the background of `file` on this device. Resolves with the cutout
+ * canvas + its alpha bbox, or fails with `engine` (decode/inference/asset
+ * failure) or `empty` (blank segmentation) — both recoverable in the composer.
+ */
+export const removeCardPhotoBackground = async (
+  file: File,
+  onProgress: (progress: CardCutoutProgress) => void,
+): Promise<CardCutoutResult> => {
+  const report = createProgressReporter(onProgress)
+
+  try {
+    return STUB_ENABLED ? await stubCutout(file, report) : await engineCutout(file, report)
+  } catch {
+    return { ok: false, reason: 'engine' }
+  }
+}
+
+const PROGRESS_MIN_INTERVAL_MS = 100
+
+/**
+ * Streaming a ~12 MB wasm fires a progress event per chunk; without throttle
+ * that is hundreds of React updates in one microtask chain (the dev build
+ * reports "Maximum update depth exceeded"). One report per 100 ms — always
+ * emitting phase changes and completion — keeps the bar honest and the UI calm.
+ */
+const createProgressReporter = (onProgress: (progress: CardCutoutProgress) => void) => {
+  let lastAt = 0
+  let lastPhase: CardCutoutProgress['phase'] | null = null
+
+  return (progress: CardCutoutProgress) => {
+    const now = Date.now()
+    const phaseChanged = progress.phase !== lastPhase
+    const finished = progress.ratio >= 1
+    if (!phaseChanged && !finished && now - lastAt < PROGRESS_MIN_INTERVAL_MS) return
+
+    lastAt = now
+    lastPhase = progress.phase
+    onProgress(progress)
+  }
+}
+
+let segmenterPromise: Promise<ImageSegmenter> | null = null
+
+const loadSegmenter = (onProgress: (progress: CardCutoutProgress) => void) => {
+  if (!segmenterPromise) {
+    segmenterPromise = createSegmenter(onProgress).catch((error: unknown) => {
+      segmenterPromise = null
+      throw error
+    })
+  }
+
+  return segmenterPromise
+}
+
+const createSegmenter = async (onProgress: (progress: CardCutoutProgress) => void) => {
+  const wasmFiles = supportsWasmSimd()
+    ? ['vision_wasm_internal.js', 'vision_wasm_internal.wasm']
+    : ['vision_wasm_nosimd_internal.js', 'vision_wasm_nosimd_internal.wasm']
+  await prefetchAssets([...wasmFiles.map((name) => `${WASM_DIR}/${name}`), MODEL_URL], onProgress)
+
+  const vision = await import('@mediapipe/tasks-vision')
+  const fileset = await vision.FilesetResolver.forVisionTasks(WASM_DIR)
+  const modelResponse = await fetch(MODEL_URL)
+  if (!modelResponse.ok) throw new Error(`card-cutout-model:${modelResponse.status}`)
+  const modelAssetBuffer = new Uint8Array(await modelResponse.arrayBuffer())
+
+  return vision.ImageSegmenter.createFromOptions(fileset, {
+    baseOptions: { modelAssetBuffer },
+    runningMode: 'IMAGE',
+    outputConfidenceMasks: true,
+    outputCategoryMask: false,
+  })
+}
+
+/**
+ * Streams each asset once so the progress bar reflects real bytes — and warms
+ * the HTTP cache for the runtimes that later fetch the same URLs themselves.
+ */
+const prefetchAssets = async (
+  urls: string[],
+  onProgress: (progress: CardCutoutProgress) => void,
+) => {
+  let loadedFiles = 0
+
+  for (const url of urls) {
+    const response = await fetch(url)
+    if (!response.ok) throw new Error(`card-cutout-asset:${response.status}`)
+    const size = Number(response.headers.get('content-length')) || 0
+
+    if (!response.body) {
+      await response.arrayBuffer()
+      loadedFiles += 1
+      onProgress({ phase: 'download', ratio: Math.min(1, loadedFiles / urls.length) })
+      continue
+    }
+
+    const reader = response.body.getReader()
+    let received = 0
+    for (;;) {
+      const { done, value } = await reader.read()
+      if (done) break
+      received += value?.length ?? 0
+      const fileRatio = size > 0 ? Math.min(1, received / size) : 0.5
+      onProgress({ phase: 'download', ratio: Math.min(1, (loadedFiles + fileRatio) / urls.length) })
+    }
+    loadedFiles += 1
+    onProgress({ phase: 'download', ratio: Math.min(1, loadedFiles / urls.length) })
+  }
+}
+
+const engineCutout = async (
+  file: File,
+  onProgress: (progress: CardCutoutProgress) => void,
+): Promise<CardCutoutResult> => {
+  const segmenter = await loadSegmenter(onProgress)
+  onProgress({ phase: 'process', ratio: 0.5 })
+
+  const bitmap = await createImageBitmap(file)
+  const { width, height } = cappedSize(bitmap.width, bitmap.height)
+
+  // Let the processing state paint before the synchronous inference.
+  await new Promise<void>((resolve) => requestAnimationFrame(() => resolve()))
+
+  const result = segmenter.segment(bitmap)
+  let mask: MPMask | null = null
+  try {
+    mask = result.confidenceMasks?.[0] ?? null
+    if (!mask) return { ok: false, reason: 'engine' }
+
+    const canvas = composeCutout(bitmap, width, height, mask)
+    const bbox = readAlphaBbox(canvas)
+    if (!bbox) return { ok: false, reason: 'empty' }
+
+    onProgress({ phase: 'process', ratio: 1 })
+    return { ok: true, canvas, width, height, bbox }
+  } finally {
+    mask?.close()
+    result.close()
+    bitmap.close()
+  }
+}
+
+const composeCutout = (
+  image: ImageBitmap,
+  width: number,
+  height: number,
+  mask: MPMask,
+): HTMLCanvasElement => {
+  const maskCanvas = document.createElement('canvas')
+  maskCanvas.width = mask.width
+  maskCanvas.height = mask.height
+  const maskCtx = maskCanvas.getContext('2d')
+  if (!maskCtx) throw new Error('card-cutout-mask-context')
+
+  const confidence = mask.getAsFloat32Array()
+  const maskImage = maskCtx.createImageData(mask.width, mask.height)
+  for (let index = 0, alpha = 3; index < confidence.length; index += 1, alpha += 4) {
+    const value = confidence[index] ?? 0
+    maskImage.data[alpha] = value <= 0 ? 0 : value >= 1 ? 255 : Math.round(value * 255)
+  }
+  maskCtx.putImageData(maskImage, 0, 0)
+
+  const canvas = document.createElement('canvas')
+  canvas.width = width
+  canvas.height = height
+  const ctx = canvas.getContext('2d')
+  if (!ctx) throw new Error('card-cutout-context')
+
+  ctx.drawImage(image, 0, 0, width, height)
+  ctx.globalCompositeOperation = 'destination-in'
+  ctx.imageSmoothingEnabled = true
+  ctx.imageSmoothingQuality = 'high'
+  ctx.drawImage(maskCanvas, 0, 0, width, height)
+  ctx.globalCompositeOperation = 'source-over'
+
+  return canvas
+}
+
+const readAlphaBbox = (canvas: HTMLCanvasElement): CardAlphaBbox | null => {
+  const ctx = canvas.getContext('2d')
+  if (!ctx) return null
+
+  const { width, height } = canvas
+  const pixels = ctx.getImageData(0, 0, width, height).data
+  let minX = width
+  let minY = height
+  let maxX = -1
+  let maxY = -1
+
+  for (let y = 0; y < height; y += 1) {
+    const row = y * width * 4
+    for (let x = 0; x < width; x += 1) {
+      if (pixels[row + x * 4 + 3]! > ALPHA_THRESHOLD) {
+        if (x < minX) minX = x
+        if (x > maxX) maxX = x
+        if (y < minY) minY = y
+        if (y > maxY) maxY = y
+      }
+    }
+  }
+
+  if (maxX < minX || maxY < minY) return null
+  return { x: minX, y: minY, width: maxX - minX + 1, height: maxY - minY + 1 }
+}
+
+const cappedSize = (width: number, height: number) => {
+  const longest = Math.max(width, height)
+  const scale = longest > CUTOUT_MAX_EDGE ? CUTOUT_MAX_EDGE / longest : 1
+
+  return {
+    width: Math.max(1, Math.round(width * scale)),
+    height: Math.max(1, Math.round(height * scale)),
+  }
+}
+
+const supportsWasmSimd = (): boolean => {
+  // Minimal wasm module using `v128.const` — validates only where SIMD exists.
+  const probe = new Uint8Array([
+    0x00, 0x61, 0x73, 0x6d, 0x01, 0x00, 0x00, 0x00, 0x01, 0x05, 0x01, 0x60, 0x00, 0x01, 0x7b, 0x03,
+    0x02, 0x01, 0x00, 0x0a, 0x0a, 0x01, 0x08, 0x00, 0x41, 0x00, 0xfd, 0x0f, 0x1a, 0x0b,
+  ])
+
+  try {
+    return WebAssembly.validate(probe)
+  } catch {
+    return false
+  }
+}
+
+const readStubMode = (): 'ok' | 'slow' | 'error' => {
+  if (typeof window === 'undefined') return 'ok'
+  const mode = window.__cardsCutoutStub
+  return mode === 'slow' || mode === 'error' ? mode : 'ok'
+}
+
+/**
+ * Test seam (`NEXT_PUBLIC_CARDS_CUTOUT_STUB=1`, e2e builds only): a
+ * deterministic cutout with the same shape as the engine result. `slow` keeps
+ * the processing state visible; `error` exercises the retry path.
+ */
+const stubCutout = async (
+  file: File,
+  onProgress: (progress: CardCutoutProgress) => void,
+): Promise<CardCutoutResult> => {
+  const mode = readStubMode()
+  onProgress({ phase: 'download', ratio: mode === 'slow' ? STUB_PROGRESS : 1 })
+  await new Promise((resolve) => setTimeout(resolve, mode === 'slow' ? STUB_DELAY_MS : 20))
+  if (mode === 'error') return { ok: false, reason: 'engine' }
+  onProgress({ phase: 'process', ratio: 0.8 })
+
+  const bitmap = await createImageBitmap(file)
+  const capped = cappedSize(bitmap.width, bitmap.height)
+  const stubScale = Math.max(1, STUB_MIN_EDGE / Math.max(capped.width, capped.height))
+  const width = Math.round(capped.width * stubScale)
+  const height = Math.round(capped.height * stubScale)
+  const canvas = document.createElement('canvas')
+  canvas.width = width
+  canvas.height = height
+  const ctx = canvas.getContext('2d')
+  if (!ctx) throw new Error('card-cutout-context')
+
+  ctx.drawImage(bitmap, 0, 0, width, height)
+  ctx.globalCompositeOperation = 'destination-in'
+  ctx.beginPath()
+  ctx.ellipse(width / 2, height / 2, width * 0.45, height * 0.45, 0, 0, Math.PI * 2)
+  ctx.fill()
+  ctx.globalCompositeOperation = 'source-over'
+  bitmap.close()
+
+  return { ok: true, canvas, width, height, bbox: { x: 0, y: 0, width, height } }
+}

src/components/cards/useCardCutout.ts

@@ -0,0 +1,88 @@
+'use client'
+
+import { useCallback, useEffect, useRef, useState } from 'react'
+
+import { removeCardPhotoBackground } from '@/components/cards/cardCutout'
+import type { CardRect } from '@/lib/cardModels'
+import { frameCardPhotoOnBbox, type CardPhotoTransform } from '@/lib/cardPhotoTransform'
+
+export type CardCutoutState =
+  | { status: 'idle' }
+  | { status: 'processing'; phase: 'download' | 'process'; ratio: number }
+  | {
+      status: 'ready'
+      canvas: HTMLCanvasElement
+      width: number
+      height: number
+      /** Initial framing: cutout top on the slot top, centered, covering it. */
+      transform: CardPhotoTransform
+    }
+  | { status: 'error'; reason: 'engine' | 'empty' }
+
+/**
+ * S15 — owns the cutout lifecycle for the team model: engine import, progress,
+ * degenerate framing (fail-closed), retry with the same file and run-id guards
+ * so a stale inference or an unmount never writes state. The engine itself is a
+ * page-lifetime singleton in the adapter (re-creating the wasm session per open
+ * would cost seconds); each result's masks/bitmap are released there.
+ */
+export const useCardCutout = (photoWindow: CardRect | undefined) => {
+  const [state, setState] = useState<CardCutoutState>({ status: 'idle' })
+  const fileRef = useRef<File | null>(null)
+  const runRef = useRef(0)
+
+  useEffect(
+    () => () => {
+      runRef.current += 1
+    },
+    [],
+  )
+
+  const start = useCallback(
+    async (file: File) => {
+      runRef.current += 1
+      const run = runRef.current
+      fileRef.current = file
+      setState({ status: 'processing', phase: 'download', ratio: 0 })
+
+      const result = await removeCardPhotoBackground(file, (progress) => {
+        if (runRef.current !== run) return
+        setState({ status: 'processing', phase: progress.phase, ratio: progress.ratio })
+      })
+      if (runRef.current !== run) return
+
+      if (!result.ok) {
+        setState({ status: 'error', reason: result.reason })
+        return
+      }
+
+      const transform = photoWindow
+        ? frameCardPhotoOnBbox(
+            { width: result.width, height: result.height },
+            photoWindow,
+            result.bbox,
+          )
+        : null
+      if (!transform) {
+        setState({ status: 'error', reason: 'empty' })
+        return
+      }
+
+      setState({
+        status: 'ready',
+        canvas: result.canvas,
+        width: result.width,
+        height: result.height,
+        transform,
+      })
+    },
+    [photoWindow],
+  )
+
+  const retry = useCallback(() => {
+    const file = fileRef.current
+    if (file) void start(file)
+  }, [start])
+
+  return { state, start, retry }
+}

src/lib/cardModels.ts

@@ -1,19 +1,25 @@
 /**
- * S13 — the three personalized-card models of the campaign site. Pure data so
+ * S13/S15 — the personalized-card models of the campaign site. Pure data so
  * the home section, the `/cards` gallery and the canvas renderer share one
  * catalog (no second editor, no CMS): each entry carries the master asset, the
- * real output size in pixels and, for photo models, the transparent window the
- * visitor's photo must cover.
+ * real output size in pixels and, for photo/team models, the transparent window
+ * the visitor's photo must cover.
  *
  * Geometry comes from the master files (pixel-measured, keep in sync with
- * `docs/plans/cards-personalizados-campanha-impl.md`): the photo frames are
- * 1000×1000 and 1000×1440 despite the `1080x` in the original file names.
+ * `docs/plans/cards-personalizados-campanha-impl.md` and
+ * `docs/plans/cards-time-de-voce-impl.md`): the photo frames are 1000×1000 and
+ * 1000×1440 despite the `1080x` in the original file names.
  */
 
-const CARD_MODEL_IDS = ['eu-sou-solla', 'perfil-quadrado', 'perfil-retangular'] as const
+const CARD_MODEL_IDS = [
+  'eu-sou-solla',
+  'perfil-quadrado',
+  'perfil-retangular',
+  'time-de-voce',
+] as const
 
 export type CardModelId = (typeof CARD_MODEL_IDS)[number]
-type CardModelKind = 'name' | 'photo'
+type CardModelKind = 'name' | 'photo' | 'team'
 
 export type CardRect = {
   x: number
@@ -29,8 +35,14 @@ export type CardModel = {
   assetSrc: string
   width: number
   height: number
-  /** Photo models only: the transparent window the photo must cover. */
+  /** Photo and team models: the transparent window the photo must cover. */
   photoWindow?: CardRect
+  /** Team model: the master front overlay drawn above the cutout photo. */
+  overlaySrc?: string
+  /** Team model: the filled example shown before a cutout is ready. */
+  previewSrc?: string
+  /** Optional gallery badge (e.g. `NOVO`). */
+  badge?: string
 }
 
 export const CARD_MODELS: readonly CardModel[] = [
@@ -60,8 +72,56 @@ export const CARD_MODELS: readonly CardModel[] = [
     height: 1440,
     photoWindow: { x: 0, y: 0, width: 1000, height: 1044 },
   },
+  {
+    id: 'time-de-voce',
+    kind: 'team',
+    label: 'Time de você',
+    assetSrc: '/cards/team-card-base.png',
+    overlaySrc: '/cards/team-card-front.png',
+    previewSrc: '/cards/team-card-example.jpg',
+    badge: 'NOVO',
+    width: 1080,
+    height: 1440,
+    photoWindow: { x: 286, y: 439, width: 592, height: 577 },
+  },
 ]
 
+/** Fields every name slot shares, whatever the drawing alignment. */
+type CardNameSlotBase = {
+  capHeight: number
+  minCapHeight: number
+  maxInkWidth: number
+  maxLines: number
+  fill: string
+}
+
+/** Left-aligned slot with a two-line band (S13 name model). */
+export type CardNameBlockSlot = CardNameSlotBase & {
+  align: 'left'
+  leftX: number
+  capTop: number
+  maxBlockBottom: number
+}
+
+/** Rotated rectangle + background the renderer draws for a banner. */
+export type CardBanner = {
+  centerX: number
+  centerY: number
+  width: number
+  height: number
+  rotationDeg: number
+  background: string
+}
+
+/** Centered single-line slot drawn on a rotated banner (S15 team model). */
+export type CardNameBannerSlot = CardNameSlotBase & {
+  align: 'center'
+  maxLines: 1
+  banner: CardBanner
+}
+
+export type CardNameSlot = CardNameBlockSlot | CardNameBannerSlot
+
 /**
  * Name model slot, pixel-measured from the filled master (`FULANO` example):
  * the `#SOU` line and the visitor's name share the same left border at x=213
@@ -71,6 +131,7 @@ export const CARD_MODELS: readonly CardModel[] = [
  * over the base; the fixed lines already live in the art.
  */
 export const NAME_CARD_SLOT = {
+  align: 'left',
   leftX: 213,
   capTop: 430,
   capHeight: 106,
@@ -79,8 +140,47 @@ export const NAME_CARD_SLOT = {
   minCapHeight: 48,
   fill: '#ffec01',
   maxLines: 2,
+} as const satisfies CardNameBlockSlot
+
+/**
+ * S15 — geometry pixel-measured from `team-card-example.jpg` (the reference
+ * filled card). Neither master carries the top banners, so the renderer draws
+ * both rectangles + text over the composed art: the red `TIME DE` label and the
+ * blue name banner. `rotationDeg` is counter-clockwise, matching the masters'
+ * built-in tilt (the photo window sits inside the sky area at x=286 y=439).
+ */
+export const TEAM_CARD_LABEL = {
+  text: 'TIME DE',
+  centerX: 545,
+  centerY: 162,
+  width: 693,
+  height: 118,
+  rotationDeg: -3.5,
+  background: '#e50e2f',
+  fill: '#ffec01',
+  capHeight: 93,
 } as const
 
+export const TEAM_CARD_NAME_BANNER = {
+  centerX: 545,
+  centerY: 313,
+  width: 509,
+  height: 176,
+  rotationDeg: -4.1,
+  background: '#0061a5',
+  fill: '#ffffff',
+} as const
+
+export const TEAM_CARD_NAME_SLOT = {
+  align: 'center',
+  banner: TEAM_CARD_NAME_BANNER,
+  capHeight: 130,
+  minCapHeight: 56,
+  maxInkWidth: 470,
+  fill: TEAM_CARD_NAME_BANNER.fill,
+  maxLines: 1,
+} as const satisfies CardNameBannerSlot
+
 export const BRAND_FALLBACK_FONT = 'sans-serif'
 
 export const isCardModelId = (value: unknown): value is CardModelId =>

src/lib/cardNameFit.ts

@@ -9,7 +9,7 @@
  * DOM and unit-testable with a deterministic fake.
  */
 
-import { NAME_CARD_SLOT } from './cardModels'
+import { NAME_CARD_SLOT, type CardNameBlockSlot, type CardNameSlot } from './cardModels'
 
 export type CardTextMetrics = {
   width: number
@@ -29,8 +29,6 @@ export type CardNameFit =
     }
   | { ok: false; reason: 'empty' | 'too-long' }
 
-export type CardNameSlot = typeof NAME_CARD_SLOT
-
 const CAP_PROBE = 'X'
 const LINE_HEIGHT_RATIO = 1.25
 const MEASURE_PROBE_SIZE = 100
@@ -73,7 +71,7 @@ const fitSingleLine = (
 const fitTwoLines = (
   words: string[],
   measure: CardMeasureText,
-  slot: CardNameSlot,
+  slot: CardNameBlockSlot,
 ): { fontSize: number; lines: [string, string] } | null => {
   const idealSize = resolveFontSizeForCapHeight(measure, slot.capHeight)
   const maxBlockHeight = slot.maxBlockBottom - slot.capTop
@@ -134,7 +132,7 @@ export const fitCardName = (
   }
 
   const words = normalized.split(' ')
-  if (slot.maxLines >= 2 && words.length > 1) {
+  if (slot.align === 'left' && slot.maxLines >= 2 && words.length > 1) {
     const twoLines = fitTwoLines(words, measure, slot)
     if (twoLines !== null && twoLines.fontSize >= minFontSize) {
       return {

src/lib/cardPhotoTransform.ts

@@ -13,6 +13,13 @@ import type { CardRect } from './cardModels'
 export const CARD_PHOTO_MIN_ZOOM = 1
 export const CARD_PHOTO_MAX_ZOOM = 4
 
+/**
+ * S15 — a cutout smaller than this (in source pixels) is treated as an empty
+ * segmentation: the card would show a speck, so the composer fails closed and
+ * offers a retry instead.
+ */
+const CARD_CUTOUT_MIN_BBOX = 24
+
 export type CardPhotoSize = {
   width: number
   height: number
@@ -24,6 +31,17 @@ export type CardPhotoTransform = {
   offsetY: number
 }
 
+/** Alpha bounding box of a cutout photo, in source pixels. */
+export type CardAlphaBbox = {
+  x: number
+  y: number
+  width: number
+  height: number
+}
+
+export const cardPhotoTransformsEqual = (a: CardPhotoTransform, b: CardPhotoTransform): boolean =>
+  a.zoom === b.zoom && a.offsetX === b.offsetX && a.offsetY === b.offsetY
+
 const clamp = (value: number, min: number, max: number): number =>
   Math.min(Math.max(value, min), max)
 
@@ -81,6 +99,50 @@ export const centerCardPhotoTransform = (
   }
 }
 
+/**
+ * S15 — initial framing for a cutout photo: the alpha bbox is scaled to cover
+ * the window, anchored at the bbox top (head against the top of the slot) and
+ * centered horizontally on it. Returns `null` when the bbox is degenerate
+ * (empty segmentation) or would demand more than the max zoom — the composer
+ * fails closed instead of drawing an invisible or speck-sized photo.
+ */
+export const frameCardPhotoOnBbox = (
+  source: CardPhotoSize,
+  window: CardRect,
+  bbox: CardAlphaBbox,
+): CardPhotoTransform | null => {
+  if (
+    source.width <= 0 ||
+    source.height <= 0 ||
+    window.width <= 0 ||
+    window.height <= 0 ||
+    bbox.width < CARD_CUTOUT_MIN_BBOX ||
+    bbox.height < CARD_CUTOUT_MIN_BBOX
+  ) {
+    return null
+  }
+
+  const scale = coverScale(source, window)
+  const requiredZoom = Math.max(
+    window.width / bbox.width / scale,
+    window.height / bbox.height / scale,
+  )
+  if (!Number.isFinite(requiredZoom) || requiredZoom > CARD_PHOTO_MAX_ZOOM) return null
+
+  const zoom = Math.max(CARD_PHOTO_MIN_ZOOM, requiredZoom)
+  const applied = scale * zoom
+
+  return clampCardPhotoTransform(
+    {
+      zoom,
+      offsetX: window.x + window.width / 2 - (bbox.x + bbox.width / 2) * applied,
+      offsetY: window.y - bbox.y * applied,
+    },
+    source,
+    window,
+  )
+}
+
 /** Nudges the offset by a step in card pixels, clamped to the window. */
 export const panCardPhotoTransform = (
   transform: CardPhotoTransform,

src/lib/cardRender.ts

@@ -7,12 +7,22 @@
  * recorder instead of jsdom canvas.
  */
 
-import { BRAND_FALLBACK_FONT, NAME_CARD_SLOT, type CardModel, type CardRect } from './cardModels'
+import {
+  BRAND_FALLBACK_FONT,
+  NAME_CARD_SLOT,
+  TEAM_CARD_LABEL,
+  TEAM_CARD_NAME_SLOT,
+  type CardBanner,
+  type CardModel,
+  type CardNameBannerSlot,
+  type CardNameSlot,
+  type CardRect,
+} from './cardModels'
 import {
   fitCardName,
+  resolveFontSizeForCapHeight,
   type CardMeasureText,
   type CardNameFit,
-  type CardNameSlot,
   type CardTextMetrics,
 } from './cardNameFit'
 import {
@@ -28,8 +38,13 @@ export type CardDrawContext = {
   textAlign: CanvasTextAlign
   textBaseline: CanvasTextBaseline
   drawImage(image: CanvasImageSource, dx: number, dy: number, dWidth: number, dHeight: number): void
+  fillRect(x: number, y: number, width: number, height: number): void
   fillText(text: string, x: number, y: number): void
   measureText(text: string): CardTextMetrics
+  save(): void
+  restore(): void
+  translate(x: number, y: number): void
+  rotate(angle: number): void
 }
 
 export const createCardMeasure = (
@@ -62,15 +77,58 @@ export type CardNameDrawArgs = {
   slot?: CardNameSlot
 }
 
+type CardBannerDrawArgs = {
+  banner: CardBanner
+  text: string
+  fill: string
+  fontSize: number
+  capHeight: number
+  fontFamily: string
+}
+
 /**
- * S14 — draws only the fitted name (no base image) so the home tile preview
+ * S15 — draws one official top banner: the rotated rectangle plus its centered
+ * cap-height text. Both team banners (the fixed `TIME DE` label and the fitted
+ * name) share this so the measured geometry lives once.
+ */
+const drawCardBanner = (ctx: CardDrawContext, args: CardBannerDrawArgs): void => {
+  const { banner } = args
+
+  ctx.save()
+  ctx.translate(banner.centerX, banner.centerY)
+  ctx.rotate((banner.rotationDeg * Math.PI) / 180)
+  ctx.fillStyle = banner.background
+  ctx.fillRect(-banner.width / 2, -banner.height / 2, banner.width, banner.height)
+  ctx.font = `700 ${args.fontSize}px ${args.fontFamily}`
+  ctx.fillStyle = args.fill
+  ctx.textAlign = 'center'
+  ctx.textBaseline = 'alphabetic'
+  ctx.fillText(args.text, 0, args.capHeight / 2)
+  ctx.restore()
+}
+
+/**
+ * S14/S15 — draws only the fitted name (no base image) so the home tile preview
  * reuses the exact composer geometry. `fit.ok` is the caller's contract: a
- * failed fit never draws (names are never cut silently).
+ * failed fit never draws (names are never cut silently). Left slots draw on the
+ * master's border; the team slot draws the blue banner + centered name.
  */
 export const drawCardName = (ctx: CardDrawContext, args: CardNameDrawArgs): void => {
   const slot = args.slot ?? NAME_CARD_SLOT
   const { fit } = args
 
+  if (slot.align === 'center') {
+    drawCardBanner(ctx, {
+      banner: slot.banner,
+      text: fit.lines[0],
+      fill: slot.fill,
+      fontSize: fit.fontSize,
+      capHeight: fit.capHeight,
+      fontFamily: args.fontFamily,
+    })
+    return
+  }
+
   ctx.font = `700 ${fit.fontSize}px ${args.fontFamily}`
   ctx.fillStyle = slot.fill
   ctx.textAlign = 'left'
@@ -125,3 +183,58 @@ export const renderPhotoCard = (
 
   return clampCardPhotoTransform(args.transform, args.photoSize, args.window)
 }
+
+export type TeamCardRenderArgs = {
+  base: CanvasImageSource
+  overlay: CanvasImageSource
+  photo: CanvasImageSource
+  photoSize: CardPhotoSize
+  transform: CardPhotoTransform
+  window: CardRect
+  name: string
+  fontFamily: string
+  measure: CardMeasureText
+  slot?: CardNameBannerSlot
+}
+
+export type TeamCardRenderResult = {
+  fit: CardNameFit
+  transform: CardPhotoTransform
+}
+
+/**
+ * S15 — the team card composition, in the measured order: master base → cutout
+ * photo (framed by the transform) → master front overlay → `TIME DE` banner →
+ * blue name banner (only when the name fits; never cut silently). The two
+ * banners are drawn by the renderer because neither master carries them.
+ */
+export const renderTeamCard = (
+  ctx: CardDrawContext,
+  model: CardModel,
+  args: TeamCardRenderArgs,
+): TeamCardRenderResult => {
+  ctx.drawImage(args.base, 0, 0, model.width, model.height)
+
+  const rect = cardPhotoDrawRect(args.transform, args.photoSize, args.window)
+  ctx.drawImage(args.photo, rect.x, rect.y, rect.width, rect.height)
+
+  ctx.drawImage(args.overlay, 0, 0, model.width, model.height)
+
+  drawCardBanner(ctx, {
+    banner: TEAM_CARD_LABEL,
+    text: TEAM_CARD_LABEL.text,
+    fill: TEAM_CARD_LABEL.fill,
+    fontSize: resolveFontSizeForCapHeight(args.measure, TEAM_CARD_LABEL.capHeight),
+    capHeight: TEAM_CARD_LABEL.capHeight,
+    fontFamily: args.fontFamily,
+  })
+
+  const slot = args.slot ?? TEAM_CARD_NAME_SLOT
+  const fit = fitCardName(args.name, args.measure, slot)
+  if (fit.ok) drawCardName(ctx, { fit, fontFamily: args.fontFamily, slot })
+
+  return {
+    fit,
+    transform: clampCardPhotoTransform(args.transform, args.photoSize, args.window),
+  }
+}

tests/e2e/frontend.e2e.spec.ts

@@ -1707,11 +1707,14 @@ test.describe('Cards personalizados (S14)', () => {
     await expect(
       section.getByRole('heading', { name: 'Mostre que você está com Solla' }),
     ).toBeVisible()
-    // S14 — the CTA is gone: the three models are the only trigger.
+    // S14/S15 — the CTA is gone: the four models are the only trigger.
     await expect(section.getByRole('link', { name: 'Criar meu card' })).toHaveCount(0)
-    for (const model of ['eu-sou-solla', 'perfil-quadrado', 'perfil-retangular']) {
+    for (const model of ['eu-sou-solla', 'perfil-quadrado', 'perfil-retangular', 'time-de-voce']) {
       await expect(section.locator(`[data-card-model-tile="${model}"]`).first()).toBeAttached()
     }
+    await expect(section.locator('[data-card-model-tile="time-de-voce"]').first()).toContainText(
+      'NOVO',
+    )
 
     // S14 — the name tile reproduces the real result: `SEU NOME` drawn by the
     // composer pipeline, left-aligned with the `SOU` border (x≈213 at 1080).
@@ -1820,3 +1823,127 @@ test.describe('Cards personalizados (S14)', () => {
     await expect(drawer).toHaveCount(0)
   })
 })
+
+/**
+ * S15 — the team model runs its engine in an e2e build with the deterministic
+ * stub (`NEXT_PUBLIC_CARDS_CUTOUT_STUB=1`): no wasm download, no inference. The
+ * real engine is exercised manually (craft/UAT); the stub keeps the states
+ * (progress, ready, error/retry) reproducible.
+ */
+/** Mirrors the stub's deterministic `slow` download progress (cardCutout.ts). */
+const STUB_CUTOUT_PERCENT = 36
+
+const setCutoutStub = (page: Page, mode: 'ok' | 'slow' | 'error') =>
+  page.addInitScript((value: string) => {
+    ;(window as unknown as { __cardsCutoutStub?: string }).__cardsCutoutStub = value
+  }, mode)
+
+const uploadBustPhoto = (dialog: Locator) =>
+  dialog.locator('input[type="file"]').setInputFiles({
+    name: 'busto-e2e.png',
+    mimeType: 'image/png',
+    buffer: TEST_PHOTO_PNG,
+  })
+
+test.describe('Cards personalizados (S15 — Time de você)', () => {
+  test('cuts the photo on device, reaches the result and downloads a real PNG', async ({
+    page,
+  }) => {
+    await setCutoutStub(page, 'slow')
+    await page.goto('/cards?model=time-de-voce')
+
+    const dialog = page.getByRole('dialog')
+    await expect(dialog.getByRole('heading', { name: 'Entre para o time' })).toBeVisible()
+
+    const canvas = dialog.locator('canvas')
+    await expect(canvas).toHaveAttribute('width', '1080')
+    await expect(canvas).toHaveAttribute('height', '1440')
+
+    const primary = dialog.getByRole('button', { name: 'Criar meu card' })
+    await expect(primary).toBeDisabled()
+    await dialog.getByRole('textbox', { name: 'Seu nome' }).fill('Maria')
+    await uploadBustPhoto(dialog)
+
+    // Processing is observable (first run: model download + local cutout).
+    await expect(dialog.getByText('Baixando o modelo de recorte…')).toBeVisible()
+    await expect(dialog.getByText(`${STUB_CUTOUT_PERCENT}%`)).toBeVisible()
+    await expect(dialog.getByRole('progressbar')).toHaveAttribute(
+      'aria-valuenow',
+      String(STUB_CUTOUT_PERCENT),
+    )
+
+    // The cutout lands framed: CTA enabled, pan/zoom escape offered.
+    await expect(dialog.getByRole('heading', { name: 'Confira seu card' })).toBeVisible()
+    await expect(primary).toBeEnabled()
+    await expect(dialog.getByText('Arraste para ajustar')).toBeVisible()
+
+    await primary.click()
+    await expect(dialog.getByText('Seu card está pronto para compartilhar.')).toBeVisible()
+
+    const [download] = await Promise.all([
+      page.waitForEvent('download'),
+      dialog.getByRole('button', { name: 'Baixar meu card' }).click(),
+    ])
+    expect(download.suggestedFilename()).toBe('card-jorge-solla-time-de-voce.png')
+    const downloadPath = await download.path()
+    expect(downloadPath).toBeTruthy()
+    expect(readFileSync(downloadPath!).subarray(0, 8).equals(PNG_SIGNATURE)).toBe(true)
+  })
+
+  test('a failed cutout is recoverable: retry with the same photo reaches the result', async ({
+    page,
+  }) => {
+    await setCutoutStub(page, 'error')
+    await page.goto('/cards?model=time-de-voce')
+
+    const dialog = page.getByRole('dialog')
+    await dialog.getByRole('textbox', { name: 'Seu nome' }).fill('Maria')
+    await uploadBustPhoto(dialog)
+
+    await expect(dialog.getByRole('heading', { name: 'Vamos tentar outra vez' })).toBeVisible()
+    await expect(dialog.getByRole('alert')).toContainText(
+      'Não foi possível remover o fundo desta foto.',
+    )
+    await expect(dialog.getByRole('button', { name: 'Criar meu card' })).toBeDisabled()
+
+    // The retry re-runs the SAME file; no re-upload, no lost state.
+    await page.evaluate(() => {
+      ;(window as unknown as { __cardsCutoutStub?: string }).__cardsCutoutStub = 'ok'
+    })
+    await dialog.getByRole('button', { name: 'Tentar de novo' }).click()
+    await expect(dialog.getByRole('heading', { name: 'Confira seu card' })).toBeVisible()
+    await expect(dialog.getByRole('button', { name: 'Criar meu card' })).toBeEnabled()
+  })
+
+  test('a name that cannot fit fails closed and keeps the cutout', async ({ page }) => {
+    await setCutoutStub(page, 'ok')
+    await page.goto('/cards?model=time-de-voce')
+
+    const dialog = page.getByRole('dialog')
+    await dialog.getByRole('textbox', { name: 'Seu nome' }).fill('Anticonstitucionalissimamente')
+    await uploadBustPhoto(dialog)
+
+    await expect(dialog.getByRole('heading', { name: 'Encurte o nome' })).toBeVisible()
+    await expect(dialog.getByRole('alert')).toContainText('nome mais curto')
+    const primary = dialog.getByRole('button', { name: 'Criar meu card' })
+    await expect(primary).toBeDisabled()
+    await expect(dialog.getByText('permanecem salvos neste aparelho')).toBeVisible()
+
+    // The cutout is kept and the name stays editable: fixing it re-enables the card.
+    await dialog.getByRole('textbox', { name: 'Seu nome' }).fill('Maria')
+    await expect(dialog.getByRole('alert')).toHaveCount(0)
+    await expect(dialog.getByRole('heading', { name: 'Confira seu card' })).toBeVisible()
+    await expect(primary).toBeEnabled()
+  })
+
+  test('mobile opens the team composer in the bottom drawer', async ({ page }) => {
+    await page.setViewportSize({ width: 390, height: 844 })
+    await page.goto('/cards?model=time-de-voce')
+
+    const drawer = page.locator('[data-slot="drawer-popup"]')
+    await expect(drawer).toBeVisible()
+    await expect(drawer.getByRole('heading', { name: 'Entre para o time' })).toBeVisible()
+    await page.keyboard.press('Escape')
+    await expect(drawer).toHaveCount(0)
+  })
+})

tests/unit/cardModels.unit.spec.ts

@@ -1,13 +1,22 @@
 import { describe, expect, it } from 'vitest'
 
-import { CARD_MODELS, NAME_CARD_SLOT, getCardModel, isCardModelId } from '@/lib/cardModels'
+import {
+  CARD_MODELS,
+  NAME_CARD_SLOT,
+  TEAM_CARD_LABEL,
+  TEAM_CARD_NAME_BANNER,
+  TEAM_CARD_NAME_SLOT,
+  getCardModel,
+  isCardModelId,
+} from '@/lib/cardModels'
 
-describe('card model catalog (S13)', () => {
-  it('exposes the three shipped models with unique ids', () => {
+describe('card model catalog (S13/S15)', () => {
+  it('exposes the four shipped models with unique ids', () => {
     expect(CARD_MODELS.map((model) => model.id)).toEqual([
       'eu-sou-solla',
       'perfil-quadrado',
       'perfil-retangular',
+      'time-de-voce',
     ])
     expect(new Set(CARD_MODELS.map((model) => model.id)).size).toBe(CARD_MODELS.length)
   })
@@ -50,6 +59,7 @@ describe('card model catalog (S13)', () => {
 
   it('guards the name slot geometry measured from the filled master', () => {
     expect(NAME_CARD_SLOT).toMatchObject({
+      align: 'left',
       leftX: 213,
       capTop: 430,
       capHeight: 106,
@@ -57,10 +67,58 @@ describe('card model catalog (S13)', () => {
     })
   })
 
+  it('pins the team model, its overlay assets and the measured photo window', () => {
+    expect(getCardModel('time-de-voce')).toMatchObject({
+      kind: 'team',
+      label: 'Time de você',
+      assetSrc: '/cards/team-card-base.png',
+      overlaySrc: '/cards/team-card-front.png',
+      previewSrc: '/cards/team-card-example.jpg',
+      badge: 'NOVO',
+      width: 1080,
+      height: 1440,
+      photoWindow: { x: 286, y: 439, width: 592, height: 577 },
+    })
+    expect(getCardModel('eu-sou-solla')?.overlaySrc).toBeUndefined()
+  })
+
+  it('guards the team banners and name slot measured from the example card', () => {
+    expect(TEAM_CARD_LABEL).toMatchObject({
+      text: 'TIME DE',
+      centerX: 545,
+      centerY: 162,
+      width: 693,
+      height: 118,
+      rotationDeg: -3.5,
+      background: '#e50e2f',
+      fill: '#ffec01',
+      capHeight: 93,
+    })
+    expect(TEAM_CARD_NAME_BANNER).toMatchObject({
+      centerX: 545,
+      centerY: 313,
+      width: 509,
+      height: 176,
+      rotationDeg: -4.1,
+      background: '#0061a5',
+      fill: '#ffffff',
+    })
+    expect(TEAM_CARD_NAME_SLOT).toMatchObject({
+      align: 'center',
+      banner: TEAM_CARD_NAME_BANNER,
+      capHeight: 130,
+      minCapHeight: 56,
+      maxInkWidth: 470,
+      maxLines: 1,
+      fill: '#ffffff',
+    })
+  })
+
   it('sanitizes query-param values through isCardModelId', () => {
     expect(isCardModelId('eu-sou-solla')).toBe(true)
     expect(isCardModelId('perfil-quadrado')).toBe(true)
     expect(isCardModelId('perfil-retangular')).toBe(true)
+    expect(isCardModelId('time-de-voce')).toBe(true)
     expect(isCardModelId('modelo-inventado')).toBe(false)
     expect(isCardModelId(['perfil-quadrado'])).toBe(false)
     expect(isCardModelId(undefined)).toBe(false)

tests/unit/cardNameFit.unit.spec.ts

@@ -1,6 +1,6 @@
 import { describe, expect, it } from 'vitest'
 
-import { NAME_CARD_SLOT } from '@/lib/cardModels'
+import { NAME_CARD_SLOT, TEAM_CARD_NAME_SLOT } from '@/lib/cardModels'
 import {
   fitCardName,
   normalizeCardName,
@@ -116,4 +116,44 @@ describe('fitCardName', () => {
     expect(fit.ok).toBe(true)
     if (fit.ok) expect(fit.lines[0]).toBe('CORAÇÃO')
   })
+
+  describe('team slot (single line, centered)', () => {
+    it('keeps the measured cap for a short name and never wraps', () => {
+      const fit = fitCardName('Ana', measure, TEAM_CARD_NAME_SLOT)
+
+      expect(fit).toMatchObject({ ok: true, lines: ['ANA'] })
+      if (fit.ok) {
+        expect(fit.capHeight).toBeCloseTo(TEAM_CARD_NAME_SLOT.capHeight, 5)
+        expect(inkWidth(fit.lines[0], fit.fontSize)).toBeLessThanOrEqual(
+          TEAM_CARD_NAME_SLOT.maxInkWidth,
+        )
+      }
+    })
+
+    it('shrinks a name that overflows the ink width down to the readable minimum', () => {
+      const fit = fitCardName('Maria', measure, TEAM_CARD_NAME_SLOT)
+
+      expect(fit).toMatchObject({ ok: true, lines: ['MARIA'] })
+      if (fit.ok) {
+        expect(fit.capHeight).toBeLessThan(TEAM_CARD_NAME_SLOT.capHeight)
+        expect(fit.fontSize).toBeGreaterThanOrEqual(
+          resolveFontSizeForCapHeight(measure, TEAM_CARD_NAME_SLOT.minCapHeight),
+        )
+        expect(inkWidth(fit.lines[0], fit.fontSize)).toBeLessThanOrEqual(
+          TEAM_CARD_NAME_SLOT.maxInkWidth,
+        )
+      }
+    })
+
+    it('fails with too-long instead of wrapping below the readable minimum', () => {
+      expect(fitCardName('Maria da Conceição', measure, TEAM_CARD_NAME_SLOT)).toEqual({
+        ok: false,
+        reason: 'too-long',
+      })
+      expect(fitCardName('Bartolomeucostajunior', measure, TEAM_CARD_NAME_SLOT)).toEqual({
+        ok: false,
+        reason: 'too-long',
+      })
+    })
+  })
 })

tests/unit/cardPhotoTransform.unit.spec.ts

@@ -8,8 +8,10 @@ import {
   centerCardPhotoTransform,
   clampCardPhotoTransform,
   coverScale,
+  frameCardPhotoOnBbox,
   panCardPhotoTransform,
   zoomCardPhotoTransform,
+  type CardAlphaBbox,
   type CardPhotoSize,
 } from '@/lib/cardPhotoTransform'
 
@@ -53,6 +55,64 @@ describe('centerCardPhotoTransform', () => {
   })
 })
 
+describe('frameCardPhotoOnBbox', () => {
+  const TEAM_WINDOW: CardRect = { x: 286, y: 439, width: 592, height: 577 }
+
+  it('anchors the bbox top on the window top and centers it horizontally', () => {
+    const source: CardPhotoSize = { width: 900, height: 1200 }
+    const bbox: CardAlphaBbox = { x: 260, y: 140, width: 380, height: 520 }
+
+    const transform = frameCardPhotoOnBbox(source, TEAM_WINDOW, bbox)
+    expect(transform).not.toBeNull()
+    if (!transform) return
+
+    const rect = cardPhotoDrawRect(transform, source, TEAM_WINDOW)
+    const scale = rect.width / source.width
+    // bbox top lands exactly on the window top, bbox center on the window center
+    expect(rect.y + bbox.y * scale).toBeCloseTo(TEAM_WINDOW.y, 5)
+    expect(rect.x + (bbox.x + bbox.width / 2) * scale).toBeCloseTo(
+      TEAM_WINDOW.x + TEAM_WINDOW.width / 2,
+      5,
+    )
+    // the cutout itself covers the whole slot
+    expect(bbox.width * scale).toBeGreaterThanOrEqual(TEAM_WINDOW.width - 1e-6)
+    expect(bbox.height * scale).toBeGreaterThanOrEqual(TEAM_WINDOW.height - 1e-6)
+    expect(coversWindow(rect, TEAM_WINDOW)).toBe(true)
+  })
+
+  it('keeps the bottom of a full-height bbox visible when the zoom allows it', () => {
+    const source: CardPhotoSize = { width: 800, height: 1200 }
+    const bbox: CardAlphaBbox = { x: 200, y: 0, width: 400, height: 1000 }
+
+    const transform = frameCardPhotoOnBbox(source, TEAM_WINDOW, bbox)
+    expect(transform).not.toBeNull()
+    if (!transform) return
+
+    const rect = cardPhotoDrawRect(transform, source, TEAM_WINDOW)
+    const scale = rect.width / source.width
+    expect(rect.y + (bbox.y + bbox.height) * scale).toBeGreaterThanOrEqual(
+      TEAM_WINDOW.y + TEAM_WINDOW.height,
+    )
+  })
+
+  it('fails closed on a degenerate bbox (empty segmentation)', () => {
+    const source: CardPhotoSize = { width: 900, height: 1200 }
+    expect(
+      frameCardPhotoOnBbox(source, TEAM_WINDOW, { x: 0, y: 0, width: 0, height: 0 }),
+    ).toBeNull()
+    expect(
+      frameCardPhotoOnBbox(source, TEAM_WINDOW, { x: 10, y: 10, width: 10, height: 30 }),
+    ).toBeNull()
+  })
+
+  it('fails closed when the bbox is so small it would need more than the max zoom', () => {
+    const source: CardPhotoSize = { width: 4000, height: 4000 }
+    const bbox: CardAlphaBbox = { x: 100, y: 100, width: 80, height: 80 }
+
+    expect(frameCardPhotoOnBbox(source, TEAM_WINDOW, bbox)).toBeNull()
+  })
+})
+
 describe('clampCardPhotoTransform', () => {
   it('clamps the zoom to [1, 4]', () => {
     expect(

tests/unit/cardRender.unit.spec.ts

@@ -1,18 +1,32 @@
 import { describe, expect, it } from 'vitest'
 
-import { NAME_CARD_SLOT, getCardModel, type CardRect } from '@/lib/cardModels'
+import {
+  NAME_CARD_SLOT,
+  TEAM_CARD_LABEL,
+  TEAM_CARD_NAME_BANNER,
+  TEAM_CARD_NAME_SLOT,
+  getCardModel,
+  type CardRect,
+} from '@/lib/cardModels'
 import { fitCardName } from '@/lib/cardNameFit'
-import { centerCardPhotoTransform, type CardPhotoSize } from '@/lib/cardPhotoTransform'
+import {
+  centerCardPhotoTransform,
+  frameCardPhotoOnBbox,
+  type CardPhotoSize,
+} from '@/lib/cardPhotoTransform'
 import {
   createCardMeasure,
   drawCardName,
   renderNameCard,
   renderPhotoCard,
+  renderTeamCard,
   type CardDrawContext,
 } from '@/lib/cardRender'
 
 type DrawCall = { image: unknown; dx: number; dy: number; dw: number; dh: number }
 type TextCall = { text: string; x: number; y: number }
+type RectCall = { x: number; y: number; width: number; height: number }
+type OpCall = { op: string; args: number[] }
 
 const fontSizeFrom = (font: string): number => {
   const match = /(\d+(?:\.\d+)?)px/.exec(font)
@@ -22,6 +36,8 @@ const fontSizeFrom = (font: string): number => {
 const createFakeContext = () => {
   const drawCalls: DrawCall[] = []
   const textCalls: TextCall[] = []
+  const rectCalls: RectCall[] = []
+  const ops: OpCall[] = []
 
   const ctx: CardDrawContext = {
     font: '',
@@ -31,6 +47,9 @@ const createFakeContext = () => {
     drawImage: (image, dx, dy, dw, dh) => {
       drawCalls.push({ image, dx, dy, dw, dh })
     },
+    fillRect: (x, y, width, height) => {
+      rectCalls.push({ x, y, width, height })
+    },
     fillText: (text, x, y) => {
       textCalls.push({ text, x, y })
     },
@@ -42,13 +61,26 @@ const createFakeContext = () => {
         actualBoundingBoxDescent: size * 0.2,
       }
     },
+    save: () => {
+      ops.push({ op: 'save', args: [] })
+    },
+    restore: () => {
+      ops.push({ op: 'restore', args: [] })
+    },
+    translate: (x, y) => {
+      ops.push({ op: 'translate', args: [x, y] })
+    },
+    rotate: (angle) => {
+      ops.push({ op: 'rotate', args: [angle] })
+    },
   }
 
-  return { ctx, drawCalls, textCalls }
+  return { ctx, drawCalls, textCalls, rectCalls, ops }
 }
 
 const nameModel = getCardModel('eu-sou-solla')!
 const squareModel = getCardModel('perfil-quadrado')!
+const teamModel = getCardModel('time-de-voce')!
 
 describe('renderNameCard', () => {
   it('draws the master base first and then the name on the left border', () => {
@@ -133,6 +165,110 @@ describe('drawCardName', () => {
   })
 })
 
+describe('renderTeamCard', () => {
+  const window = teamModel.photoWindow!
+  const photoSize: CardPhotoSize = { width: 400, height: 600 }
+  const transform = frameCardPhotoOnBbox(photoSize, window, {
+    x: 80,
+    y: 40,
+    width: 240,
+    height: 420,
+  })!
+
+  const render = (name: string) => {
+    const fake = createFakeContext()
+    const base = { id: 'base' } as unknown as CanvasImageSource
+    const overlay = { id: 'overlay' } as unknown as CanvasImageSource
+    const photo = { id: 'photo' } as unknown as CanvasImageSource
+    const result = renderTeamCard(fake.ctx, teamModel, {
+      base,
+      overlay,
+      photo,
+      photoSize,
+      transform,
+      window,
+      name,
+      fontFamily: 'Brexter',
+      measure: createCardMeasure(fake.ctx, 'Brexter'),
+    })
+
+    return { ...fake, result, base, overlay, photo }
+  }
+
+  it('draws base → framed photo → overlay, then the label and the name banner', () => {
+    const { drawCalls, textCalls, rectCalls, ops, result, base, overlay, photo } = render('Maria')
+
+    expect(result.fit).toMatchObject({ ok: true, lines: ['MARIA'] })
+    expect(drawCalls.map((call) => call.image)).toEqual([base, photo, overlay])
+    expect(drawCalls[0]).toEqual({ image: base, dx: 0, dy: 0, dw: 1080, dh: 1440 })
+    expect(drawCalls[2]).toEqual({ image: overlay, dx: 0, dy: 0, dw: 1080, dh: 1440 })
+
+    // Both banners are drawn as rotated rectangles: two save/restore pairs.
+    expect(rectCalls).toHaveLength(2)
+    expect(rectCalls[0]).toMatchObject({
+      width: TEAM_CARD_LABEL.width,
+      height: TEAM_CARD_LABEL.height,
+    })
+    expect(rectCalls[1]).toMatchObject({
+      width: TEAM_CARD_NAME_BANNER.width,
+      height: TEAM_CARD_NAME_BANNER.height,
+    })
+    expect(ops.filter((op) => op.op === 'save')).toHaveLength(2)
+    expect(ops.filter((op) => op.op === 'restore')).toHaveLength(2)
+    expect(ops.map((op) => op.op)).toEqual([
+      'save',
+      'translate',
+      'rotate',
+      'restore',
+      'save',
+      'translate',
+      'rotate',
+      'restore',
+    ])
+    expect(ops[1]!.args).toEqual([TEAM_CARD_LABEL.centerX, TEAM_CARD_LABEL.centerY])
+    expect(ops[5]!.args).toEqual([TEAM_CARD_NAME_BANNER.centerX, TEAM_CARD_NAME_BANNER.centerY])
+
+    expect(textCalls.map((call) => call.text)).toEqual(['TIME DE', 'MARIA'])
+    expect(textCalls.every((call) => call.x === 0)).toBe(true)
+  })
+
+  it('draws the label but no name banner when the name cannot fit (never cuts silently)', () => {
+    const { textCalls, rectCalls, result } = render('Bartolomeucostajunior')
+
+    expect(result.fit).toEqual({ ok: false, reason: 'too-long' })
+    expect(rectCalls).toHaveLength(1)
+    expect(textCalls.map((call) => call.text)).toEqual(['TIME DE'])
+  })
+})
+
+describe('drawCardName (centered team slot)', () => {
+  it('draws the blue banner with the centered name through the same banner helper', () => {
+    const { ctx, textCalls, rectCalls, ops } = createFakeContext()
+    const fit = fitCardName('Maria', createCardMeasure(ctx, 'Brexter'), TEAM_CARD_NAME_SLOT)
+    expect(fit.ok).toBe(true)
+    if (!fit.ok) return
+
+    drawCardName(ctx, { fit, fontFamily: 'Brexter', slot: TEAM_CARD_NAME_SLOT })
+
+    expect(rectCalls).toEqual([
+      {
+        x: -TEAM_CARD_NAME_BANNER.width / 2,
+        y: -TEAM_CARD_NAME_BANNER.height / 2,
+        width: TEAM_CARD_NAME_BANNER.width,
+        height: TEAM_CARD_NAME_BANNER.height,
+      },
+    ])
+    expect(ops).toEqual([
+      { op: 'save', args: [] },
+      { op: 'translate', args: [TEAM_CARD_NAME_BANNER.centerX, TEAM_CARD_NAME_BANNER.centerY] },
+      { op: 'rotate', args: [(TEAM_CARD_NAME_BANNER.rotationDeg * Math.PI) / 180] },
+      { op: 'restore', args: [] },
+    ])
+    expect(textCalls).toEqual([{ text: 'MARIA', x: 0, y: fit.capHeight / 2 }])
+    expect(ctx.fillStyle).toBe('#ffffff')
+  })
+})
+
 describe('renderPhotoCard', () => {
   it('draws the photo full-bleed under the official overlay', () => {
     const { ctx, drawCalls } = createFakeContext()