add payment, trust badge, handle race condition, fix booking schema

ARCHITECTURE.md

@@ -213,6 +213,29 @@ Database
 
 ---
 
+## Phase 3+ (SeTrip saat ini — booking, detail, trust)
+
+Alur data mengikuti pola yang sama: **UI (`app/`) → server actions (`features/*/actions.ts`) → service (`server/services`) → repository (`server/repositories`)**.
+
+### Booking & pembayaran manual (`features/booking/`)
+
+- **Peserta:** tombol *Saya sudah bayar* menulis `TripParticipant.markedPaidAt` (komitmen transfer manual).
+- **Organizer:** panel *Konfirmasi pembayaran* memanggil service yang mengisi `paymentConfirmedAt`.
+- Tetap **tanpa payment gateway**; bukti transfer bisa di luar app (WA) sesuai kebutuhan.
+
+### Detail trip kuat (`Trip` + halaman detail)
+
+- Field terstruktur: `meetingPoint`, `itinerary`, `whatsIncluded`, `whatsExcluded` (teks bebas / bullet).
+- Form buat trip: `features/trip/schemas.ts` + `app/create-trip/page.tsx`.
+
+### Trust & organizer (`server/services/trust.service.ts`)
+
+- **Verified:** kolom `User.isVerified` (default false; set manual / seed / admin ke depan).
+- **Trip leader:** heuristik `jumlah trip dibuat ≥ TRIP_LEADER_MIN_TRIPS` (`lib/trust.ts`).
+- **Jumlah trip dibuat & rating organizer:** dihitung agregat dari DB (rating = rata-rata `TripReview` pada semua trip sang organizer).
+
+---
+
 # 🧠 Final Principle
 
 > Build fast → validate → refactor later