CAP-091 — Journey orchestration

Category	Workflow & operations
Business goal	Not yet linked to a business goal
Satisfying module	MOD-062
Mode	AUTO
BD owner	BD09 Technology
Human needed	No

Executes multi-step user journeys — onboarding, loan application, dispute, trade workflows — as configurable state machines rather than hard-coded screen flows. The engine calls other modules at each step, handles retries and timeouts, and ensures every transition is persisted before it is executed. Products can define new journeys without code changes to individual modules.