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Transaction template cloud sync (encrypted export) #178

@Nanle-code

Description

@Nanle-code

Labels: security, feature

Description

src/lib/templateManager.ts and src/lib/transactionTemplates.js support local templates (#148). Power users want encrypted backup/restore.

Tasks

Use src/lib/encryption.js for export blob (password-derived key).
UI in src/components/templates/TemplateLibrary.jsx.
Integrate command palette templates in src/components/accessibility/KeyboardNavigation.jsx.
Acceptance criteria

Export/import template pack as encrypted file.

No secrets stored in plaintext IndexedDB.
Files

src/lib/templateManager.ts, transactionTemplates.js, encryption.js
src/components/templates/TemplateLibrary.jsx, TemplateCustomizer.jsx
docs/api/encryption.md

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