Copy ADR template from Tendermint

docs/architecture/README.md

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+# Architecture Decision Records (ADR)
+
+This is a location to record all high-level architecture decisions in the cosmos-sdk project.
+
+You can read more about the ADR concept in this [blog post](https://product.reverb.com/documenting-architecture-decisions-the-reverb-way-a3563bb24bd0#.78xhdix6t).
+
+An ADR should provide:
+
+- Context on the relevant goals and the current state
+- Proposed changes to achieve the goals
+- Summary of pros and cons
+- References
+- Changelog
+
+Note the distinction between an ADR and a spec. The ADR provides the context, intuition, reasoning, and
+justification for a change in architecture, or for the architecture of something
+new. The spec is much more compressed and streamlined summary of everything as
+it stands today.
+
+If recorded decisions turned out to be lacking, convene a discussion, record the new decisions here, and then modify the code to match.
+
+Note the context/background should be written in the present tense.

docs/architecture/adr-template.md

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+# ADR 000: Template for an ADR
+
+## Context
+
+## Decision
+
+## Status
+
+## Consequences
+
+### Positive
+
+### Negative
+
+### Neutral