{
  "addresssnap": {
    "future": "Registered office and business address services become a recurring digital service: mail scanned, AI-classified and routed, with safe gates for HMRC, Companies House, court documents and director home-address protection.",
    "must_cover": [
      "mail evidence chain",
      "legal post escalation gate",
      "address change memory",
      "subscription billing gate"
    ],
    "next_builds": [
      "mail_evidence_chain",
      "legal_post_gate",
      "address_change_memory",
      "subscription_payment_gate"
    ],
    "pressure": [
      "director home-address concealment",
      "mail security and scanning regulation",
      "agentic mail triage",
      "AI-classified legal and HMRC post"
    ],
    "sources": [
      "uk_ai_action_plan_2026",
      "future_payments_2030"
    ]
  },
  "booksnap": {
    "future": "Bookkeeping becomes continuous tax operations: MTD, bank feeds, AI categorisation, quarterly submissions and agent-prepared HMRC payments.",
    "must_cover": [
      "MTD deadline memory",
      "categorisation confidence",
      "HMRC payment gate",
      "source/assumption log"
    ],
    "next_builds": [
      "source_registry",
      "tax_payment_gate",
      "deadline_memory",
      "category_confidence_score"
    ],
    "pressure": [
      "MTD expansion",
      "AI categorisation errors",
      "quarterly visibility",
      "agentic tax payment prep"
    ],
    "sources": [
      "uk_ai_action_plan_2026",
      "future_payments_2030"
    ]
  },
  "cadsnap": {
    "future": "Construction commercial control becomes data-led: AI QS workflows, payment notice automation, BIM/CAD evidence and dispute-ready audit packs.",
    "must_cover": [
      "payment notice gate",
      "retention risk",
      "adjudication evidence",
      "AI QS decision log"
    ],
    "next_builds": [
      "contract_risk_classifier",
      "retention_payment_gate",
      "adjudication_pack",
      "cad_evidence_log"
    ],
    "pressure": [
      "skills shortages",
      "productivity pressure",
      "digital project records",
      "contract/payment disputes"
    ],
    "sources": [
      "citb_workforce_outlook",
      "mckinsey_tech_trends"
    ]
  },
  "caresnap": {
    "future": "Care becomes digitally monitored and workforce-constrained: sensors, remote care, funding claims, ratios, safeguarding and staff planning.",
    "must_cover": [
      "safeguarding gate",
      "ratio breach memory",
      "funding claim log",
      "parent/payment approval"
    ],
    "next_builds": [
      "safeguarding_approval_gate",
      "ratio_monitor",
      "funding_claim_decision_log",
      "care_tech_incident_log"
    ],
    "pressure": [
      "workforce growth to 2035",
      "digital care tech",
      "safeguarding scrutiny",
      "funding complexity"
    ],
    "sources": [
      "care_workforce_2035",
      "dhsc_care_tech"
    ]
  },
  "charitysnap": {
    "future": "Charities run on AI fundraising, grant agents and automated Gift Aid, while trustee governance and restricted-fund proof get stricter.",
    "must_cover": [
      "Gift Aid decision log",
      "restricted-fund payment gate",
      "trustee approval",
      "fundraising compliance memory"
    ],
    "next_builds": [
      "trustee_approval_gate",
      "gift_aid_evidence_log",
      "restricted_fund_gate",
      "grant_agent_review"
    ],
    "pressure": [
      "AI fundraising",
      "trustee accountability",
      "restricted-fund controls",
      "donor fraud"
    ],
    "sources": [
      "uk_ai_action_plan_2026",
      "future_payments_2030"
    ]
  },
  "estateagentsnap": {
    "future": "Estate agency becomes AI-valued, compliance-heavy and payment-sensitive: AML, right-to-rent, deposits, client money and property data packs.",
    "must_cover": [
      "AML decision log",
      "deposit gate",
      "right-to-rent memory",
      "valuation confidence"
    ],
    "next_builds": [
      "aml_decision_log",
      "client_money_gate",
      "valuation_confidence_score",
      "right_to_rent_memory"
    ],
    "pressure": [
      "AI valuation",
      "AML/KYC",
      "deposit/client-money controls",
      "tenant screening automation"
    ],
    "sources": [
      "gartner_agentic_apps",
      "future_payments_2030"
    ]
  },
  "formsnap": {
    "future": "UK company formation becomes a fully agentic workflow: AI registers, files, opens banking, books a registered office and triggers website plus monthly care, with safe human gates for PSC, director appointments and beneficial-owner risk.",
    "must_cover": [
      "Companies House ID and V memory",
      "PSC approval gate",
      "filing payment gate",
      "directorship evidence log"
    ],
    "next_builds": [
      "companies_house_idv_memory",
      "psc_approval_gate",
      "formation_payment_gate",
      "director_evidence_log"
    ],
    "pressure": [
      "agentic formation",
      "PSC and beneficial-owner scrutiny",
      "Companies House identity verification",
      "embedded ledger and banking handoffs"
    ],
    "sources": [
      "uk_ai_action_plan_2026",
      "future_payments_2030"
    ]
  },
  "freelancesnap": {
    "future": "Freelancers use AI contract, invoice and tax agents, but IR35, payment timing and evidence remain human-sensitive.",
    "must_cover": [
      "IR35 decision log",
      "invoice/payment gate",
      "contract risk memory",
      "tax reserve planner"
    ],
    "next_builds": [
      "ir35_source_registry",
      "invoice_payment_gate",
      "contract_evidence_vault",
      "tax_reserve_agent"
    ],
    "pressure": [
      "agentic invoicing",
      "IR35 uncertainty",
      "platform work",
      "tax reserve automation"
    ],
    "sources": [
      "wef_future_jobs",
      "future_payments_2030"
    ]
  },
  "freightsnap": {
    "future": "Freight forwarding becomes digital-border orchestration: broker APIs, structured commodity data, NI evidence, duty cashflow and source-traceable shipment packs.",
    "must_cover": [
      "digital border readiness",
      "origin evidence",
      "customs payment gate",
      "broker instruction generator"
    ],
    "next_builds": [
      "origin_evidence_vault",
      "broker_pack_generator",
      "customs_payment_gate",
      "commodity_confidence_score"
    ],
    "pressure": [
      "digital borders",
      "customs data quality",
      "NI complexity",
      "agent-prepared payments"
    ],
    "sources": [
      "uk_ai_action_plan_2026",
      "future_payments_2030"
    ]
  },
  "garagesnap": {
    "future": "Garages split into EV/software specialists, fleet service partners and digitally trusted repair shops with connected diagnostics and finance scrutiny.",
    "must_cover": [
      "EV battery health score",
      "repair approval gate",
      "commission decision log",
      "service compliance memory"
    ],
    "next_builds": [
      "ev_health_confidence",
      "repair_payment_gate",
      "finance_commission_log",
      "connected_diagnostics_import"
    ],
    "pressure": [
      "EV complexity",
      "connected cars",
      "profit-pool shift",
      "Consumer Duty/commission proof"
    ],
    "sources": [
      "automotive_aftermarket_2030",
      "mckinsey_tech_trends"
    ]
  },
  "haulagesnap": {
    "future": "Transport becomes AI-dispatched, autonomous-ready, zero-emission and evidence-led across road, depot, drone, border and customer promise.",
    "must_cover": [
      "AI decision log",
      "route energy",
      "private OCRS",
      "autonomous/drone/warehouse gates"
    ],
    "next_builds": [
      "persistent_decision_store",
      "insurer_export",
      "depot_charger_planner",
      "transport_manager_calendar"
    ],
    "pressure": [
      "autonomous vehicles",
      "BVLOS drones",
      "zero-emission fleet transition",
      "operator compliance telemetry"
    ],
    "sources": [
      "uk_ai_action_plan_2026",
      "mckinsey_tech_trends"
    ]
  },
  "hospsnap": {
    "future": "Hospitality runs on AI rota, margin, supplier and tronc controls, with robots in kitchens and stricter allergen/customer transparency.",
    "must_cover": [
      "tronc payment gate",
      "allergen approval",
      "rota compliance memory",
      "supplier payment gate"
    ],
    "next_builds": [
      "allergen_gate",
      "tronc_decision_log",
      "robot_kitchen_gate",
      "supplier_margin_memory"
    ],
    "pressure": [
      "labour shortages",
      "robot kitchen workflows",
      "dynamic pricing",
      "tips/tronc compliance"
    ],
    "sources": [
      "wef_future_jobs",
      "mckinsey_tech_trends"
    ]
  },
  "hrsnap": {
    "future": "SME HR becomes AI-assisted at every step: holiday, sickness, payroll, right-to-work, performance and dismissal flows are pre-calculated, but every termination, disciplinary and right-to-work decision stays human-gated and audit-ready.",
    "must_cover": [
      "right-to-work evidence",
      "holiday and sick-pay calculation log",
      "disciplinary approval gate",
      "termination audit pack"
    ],
    "next_builds": [
      "right_to_work_evidence_vault",
      "holiday_calc_decision_log",
      "disciplinary_approval_gate",
      "termination_audit_pack"
    ],
    "pressure": [
      "AI hiring tools and bias scrutiny",
      "right-to-work digital checks",
      "holiday and sick-pay automation",
      "tribunal-grade audit evidence"
    ],
    "sources": [
      "wef_future_jobs",
      "uk_ai_action_plan_2026"
    ]
  },
  "legalsnap": {
    "future": "Legal work becomes agentic at the workflow layer, but liability, privilege, client money, disclosure and professional judgement stay human-critical.",
    "must_cover": [
      "advice-boundary gate",
      "limitation decision log",
      "client money gate",
      "AI output audit"
    ],
    "next_builds": [
      "legal_advice_boundary_gate",
      "limitation_memory",
      "client_money_gate",
      "privilege_disclosure_check"
    ],
    "pressure": [
      "agentic legal workflows",
      "liability gaps",
      "junior role disruption",
      "professional oversight"
    ],
    "sources": [
      "law_society_agentic_ai",
      "gartner_agent_sprawl"
    ]
  },
  "masnap": {
    "future": "SME M&A becomes intelligence-led: AI screens acquisition targets, founders prepare data rooms earlier, and advisors win by proving confidentiality, diligence readiness and buyer fit.",
    "must_cover": [
      "opportunity score",
      "diligence gap log",
      "confidentiality gate",
      "human-approved valuation route"
    ],
    "next_builds": [
      "deal_opportunity_score",
      "diligence_gap_log",
      "confidentiality_gate",
      "valuation_human_approval_route"
    ],
    "pressure": [
      "AI deal sourcing",
      "private company data rooms",
      "valuation evidence",
      "confidentiality and regulated-advice boundaries"
    ],
    "sources": [
      "mckinsey_tech_trends",
      "future_payments_2030"
    ]
  },
  "propsnap": {
    "future": "Property operators become compliance-memory businesses: rent, deposits, licences, repairs, EPC/MEES, smart buildings and agentic work orders.",
    "must_cover": [
      "landlord duty calendar",
      "rent/deposit gate",
      "works approval",
      "EPC/MEES trajectory"
    ],
    "next_builds": [
      "landlord_compliance_memory",
      "rent_deposit_gate",
      "repair_work_order_gate",
      "epc_mees_forecast"
    ],
    "pressure": [
      "landlord regulation",
      "smart building data",
      "repair automation",
      "rent/deposit controls"
    ],
    "sources": [
      "uk_ai_action_plan_2026",
      "future_payments_2030"
    ]
  },
  "receiptsnap": {
    "future": "Receipts become live evidence: AI vision parses paper, email, PDF and image receipts in seconds, predicts category and VAT and routes into Xero, QuickBooks or FreeAgent with a human gate on VAT and assumption changes.",
    "must_cover": [
      "receipt evidence vault",
      "VAT reclaim decision log",
      "categorisation confidence score",
      "accounting export gate"
    ],
    "next_builds": [
      "receipt_evidence_vault",
      "vat_reclaim_decision_log",
      "categorisation_confidence_score",
      "accounting_export_gate"
    ],
    "pressure": [
      "AI vision OCR commoditisation",
      "MTD evidence quality",
      "VAT reclaim audit risk",
      "agentic bookkeeping"
    ],
    "sources": [
      "uk_ai_action_plan_2026",
      "openai_agentic_commerce"
    ]
  },
  "recruitsnap": {
    "future": "Recruitment becomes AI-matched and audit-heavy: bias, transparency, right-to-work, worker classification and payroll gates define trust.",
    "must_cover": [
      "AI hiring audit",
      "right-to-work memory",
      "bias risk",
      "payroll gate"
    ],
    "next_builds": [
      "candidate_ai_disclosure_log",
      "bias_risk_prompt",
      "right_to_work_memory",
      "payroll_payment_gate"
    ],
    "pressure": [
      "AI hiring tools",
      "candidate transparency",
      "bias scrutiny",
      "payroll/worker classification"
    ],
    "sources": [
      "wef_future_jobs",
      "gartner_agent_sprawl"
    ]
  },
  "shopsnap": {
    "future": "Retail becomes agentic commerce: AI shoppers, autonomous repricing, refunds, supplier payments, fraud controls and machine-readable offers.",
    "must_cover": [
      "agentic refund gate",
      "supplier payment gate",
      "offer machine-readiness",
      "repricing risk"
    ],
    "next_builds": [
      "agentic_commerce_readiness",
      "refund_payment_gate",
      "supplier_reorder_gate",
      "marketplace_margin_memory"
    ],
    "pressure": [
      "AI shopping agents",
      "agentic checkout",
      "marketplace fees",
      "chargebacks/refunds"
    ],
    "sources": [
      "openai_agentic_commerce",
      "visa_intelligent_commerce",
      "mastercard_agent_pay",
      "retail_ai_agents_2030"
    ]
  },
  "tradesnap": {
    "future": "Trades stay human on the tools but AI runs quoting, booking, deposits, route planning, evidence capture and subcontractor compliance.",
    "must_cover": [
      "quote confidence",
      "deposit gate",
      "customer promise score",
      "subcontractor compliance memory"
    ],
    "next_builds": [
      "quote_confidence_score",
      "deposit_payment_gate",
      "job_promise_score",
      "subcontractor_evidence_log"
    ],
    "pressure": [
      "skills shortages",
      "AI quote agents",
      "deposit fraud",
      "customer promise pressure"
    ],
    "sources": [
      "citb_workforce_outlook",
      "wef_future_jobs"
    ]
  }
}