docs: add product roadmap (epics & stories)

docs/workshop/roadmap.md

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+# Roadmap — travelledger (Epics & User Stories)
+
+> Product structure derived from the converged BMC + value proposition. Mobile-first
+> web (Next.js 15 + TypeScript + Capacitor + Tailwind) first; iOS/Android via Capacitor
+> later with ~90% code reuse. Sequenced: validate core ledger (Direction A), then layer
+> commerce + AI (Direction B).
+
+## Epic 1 — Trip & Itinerary (MVP core)
+*Goal: a user can plan and live-track one trip in one place.*
+- As a traveler, I want to create a trip (title, dates, destination) so my data is scoped.
+- I can add segments (flight / hotel / train / car / activity) with times, origin, destination, confirmation code.
+- I can see a chronological timeline / map of the trip.
+- I can edit or cancel a segment and have dependent items update.
+- I can share a read-only trip page with travel companions/family.
+
+## Epic 2 — Booking QR & Attachments
+*Goal: every confirmation is one tap away, even offline.*
+- I can attach a QR/PDF per segment (boarding pass, hotel check-in, rail ticket).
+- The app stores the image AND parses structured data (flight no., gate, seat, ref) for search.
+- Attachments are cached for offline access and encrypted at rest.
+- I can add "to Wallet" (Apple/Google) where the pass type supports it.
+- I can upload receipt photos and link them to an expense.
+
+## Epic 3 — Expenses & Statistics
+*Goal: answer "how much did this trip cost, and on what?"*
+- I can log an expense (amount, currency, category, date, note) linked to a segment or free.
+- Multi-currency with live/static FX; totals converted to a home currency.
+- Post-trip dashboard: category %, per-day spend, per-currency breakdown.
+- I can export to CSV / Excel / QuickBooks (Premium).
+- (Later) bank/Open-Banking sync auto-imports transactions (Pro).
+
+## Epic 4 — Cancellation Guardian
+*Goal: never miss a refund window — the emotional moat.*
+- Each booking can have a cancellation rule (fixed date / hours-before / %-based refund).
+- The app computes the deadline and sends push/email reminders before it.
+- I see a "deadlines" list grouped by urgency across all trips.
+- I can mark a booking cancelled/refunded and see the refund impact.
+
+## Epic 5 — AI Assist (opt-in, modular)
+*Goal: reduce manual entry and add intelligence.*
+- Parse a booking email/PDF → auto-create segment + booking (LLM extraction).
+- Auto-categorize expenses from receipt text/vision.
+- Generate a post-trip narrative summary ("you spent 40% on food across 5 cities").
+- AI itinerary suggestions ("2 days in Tokyo: …").
+- Provider-agnostic interface so the LLM can be swapped without touching business logic.
+
+## Epic 6 — Accounts, Plans & Sharing
+*Goal: freemium hygiene + social loops.*
+- Free vs. Premium ($4.99/mo, $39/yr) vs. Pro ($9.99/mo, family/multi-user) vs. trip pass.
+- Referral: invite a travel buddy → both get 1 month Premium.
+- Shared trip pages drive the viral loop (non-users upgrade to add expenses/get alerts).
+
+## Epic 7 — Booking Commerce (Direction B, post-PMF)
+*Goal: commission upside without becoming an OTA.*
+- Affiliate hotel/tour/insurance search + booking inside the app.
+- Sponsored/featured placements (clearly labeled).
+- Use established affiliate networks as merchant of record (avoid chargeback exposure early).
+- Revenue concentration guard: no single partner >25% of commission revenue.
+
+## Epic 8 — Native Apps & Platform
+*Goal: iOS + Android with minimal rework.*
+- Wrap the Next.js PWA with Capacitor; reuse ~90% of UI/logic.
+- Native plugins: camera (QR scan), filesystem (offline), push (deadline alerts).
+- App-store listings, OTA update pipeline (Expo EAS or Capacitor equivalent).
+- Fallback path if native perf becomes critical: React Native + Expo.
+
+## Suggested sequencing (phases)
+- **Phase 0 (now):** Epics 1–3 MVP on web PWA. Validate the logging habit.
+- **Phase 1:** Epic 4 (Guardian) + Epic 6 (plans/referral) — the hook + monetization.
+- **Phase 2:** Epic 5 AI (opt-in) — differentiation.
+- **Phase 3:** Epic 7 commerce — only after trust + scale.
+- **Phase 4:** Epic 8 native apps.
+
+## Day-one metrics to instrument
+- Paid conversion rate (3–5% target), trip completion rate (>60%), CAC payback (<6 mo),
+  plus churn and bookings-per-user.