docs: rewrite README and add PRODUCT, ARCHITECTURE, ROADMAP, TODO per governance framework

PRODUCT.md

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+# RMI Backend — Product Charter
+
+**Product:** Rug Munch Intelligence (RMI) Backend
+**Repo:** `git.rugmunch.io/RugMunchMedia/rmi-backend`
+**Deploy path:** `/root/backend/` on Talos
+**Container:** `rmi-backend`
+**Health:** `http://127.0.0.1:8000/health`
+**Status:** Production / degraded
+
+## Problem
+Crypto users and platforms need a single, fast, machine-readable source of token risk, wallet labels, and on-chain intelligence. Existing tools are fragmented, expensive, or closed.
+
+## User
+- Telegram users via `@rugmunchbot`
+- RMI web frontend at `https://rugmunch.io`
+- AI agents via MCP
+- API consumers via x402 pay-per-call
+
+## Scope
+- FastAPI backend with token scanner, wallet forensics, market data, alerts
+- DataBus: unified data plane across 30+ providers
+- Telegram bot commands: `/scan`, `/portfolio`, `/simulate`, `/chart`, `/watch`
+- MCP server for agent tool calling
+- x402 payment gating for premium endpoints
+
+## Anti-scope
+- No frontend code (that lives in `rmi-frontend`)
+- No wallet generation (that lives in `walletpress`)
+- No web scraping engine (that lives in `pryscraper`)
+- No social protocol clients (that lives in `degenfeed-web`)
+
+## Success criteria
+- `/health` returns 200
+- CI gates are authoritative
+- Test coverage >60%
+- All MCP tools have Pydantic input/output schemas
+- No production file >500 lines
+
+## Current reality
+- 990 routes across modular routers
+- Health is **unhealthy** because `rmi-redis:6379` does not resolve
+- 8.61% test coverage
+- 17 `time.sleep()`, 1,713 f-string logs, 399 `print()` calls
+- Largest file `app/routers/x402_tools.py` is 212 KB
+
+## Fleet dependencies
+- Postgres `rmi-postgres:5432`
+- Redis `rmi-redis:6379` (currently failing)
+- Qdrant `127.0.0.1:6333` (currently down due to stale IP bind)
+- Neo4j `127.0.0.1:7687`
+- ClickHouse `127.0.0.1:8123`
+
+## Standards
+This repo follows [Rug Munch Media standards](https://git.rugmunch.io/RugMunchMedia/standards).