chore(consolidation): migrate from blackroad-os-ideas and blackroad-os-research

## Summary
- Migrates roadmaps and RFCs from `blackroad-os-ideas`
- Migrates research papers from `blackroad-os-research`
- Part of Phase 1 BlackRoad OS consolidation

## Files Added
- `docs/roadmap/` - 2025 roadmaps
- `docs/rfc/` - RFC templates
- `docs/ideas/` - Idea proposals
- `docs/papers/` - Research papers (PS-SHA, SIG, finance automation)
- `docs/research/` - Research prompts

## Test plan
- [ ] Verify docs build
- [ ] After merge, archive source repos

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-authored-by: Alexa Louise <YOUR_REAL_EMAIL@EXAMPLE.COM>
Co-authored-by: Claude <noreply@anthropic.com>

docs/papers/finance-automation/regulated-industry-considerations.md

@@ -0,0 +1,23 @@
+# Regulated Industry Considerations
+
+The finance automation vision is conceptual and aspirational; it is not a claim of compliance. The design aims to align with GAAP/IFRS expectations and regulatory frameworks such as FINRA and SEC while preserving flexibility for jurisdictional variation.
+
+## Accounting Alignment
+
+- **GAAP/IFRS hooks:** Journal entry structures can map to ledger postings and disclosures, supporting external reporting pipelines.
+- **Controls:** Segregation of duties and PS-SHA∞ journaling provide traceability for approvals and policy overrides.
+
+## Regulatory Overlays
+
+- **FINRA/SEC:** Suitability, best execution, market surveillance, and recordkeeping requirements inform orchestration rules and logging depth.
+- **AML/KYC:** Agents should integrate identity verification and suspicious activity patterns, with contradictions escalated when risk flags collide with revenue objectives.
+
+## Posture Statement
+
+- **Conceptual only:** These documents describe intended capabilities, not audited compliance states.
+- **Evidence-ready:** The combination of journaled actions and explicit contradiction handling is designed to support future attestations.
+
+## TODOs
+
+- Map specific regulatory controls to agent responsibilities and PS-SHA∞ fields.
+- Draft sample audit trails demonstrating how finance workflows surface and resolve conflicts.