chore: initialize monorepo with project scaffolding, configs, and CI setup

docs/wallet_daemon.md

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+# Wallet Daemon – Task Breakdown
+
+## Status (2025-09-27)
+
+- **Stage 1**: Core FastAPI skeleton pending, but receipt verification utilities are now implemented in `apps/wallet-daemon/src/app/receipts/service.py` using `aitbc_sdk`. Additional REST/JSON-RPC wiring remains TODO.
+
+## Stage 1 (MVP)
+
+- **Project Setup**
+  - Initialize FastAPI application under `apps/wallet-daemon/src/app/` with `main.py`, `settings.py`, `api_rest.py`, `api_jsonrpc.py`.
+  - Create crypto and keystore modules implementing Argon2id key derivation and XChaCha20-Poly1305 encryption.
+  - Add `pyproject.toml` (or `requirements.txt`) with FastAPI, uvicorn, argon2-cffi, pynacl, bech32, aiosqlite, pydantic.
+
+- **Keystore & Security**
+  - Implement encrypted wallet file format storing metadata, salt, nonce, ciphertext.
+  - Provide CLI or REST endpoints to create/import wallets, unlock/lock, derive accounts.
+  - Enforce unlock TTL and in-memory zeroization of sensitive data.
+
+- **REST & JSON-RPC APIs**
+  - Implement REST routes: wallet lifecycle, account derivation, signing (message/tx/receipt), mock ledger endpoints, webhooks.
+  - Mirror functionality via JSON-RPC under `/rpc`.
+  - Add authentication token header enforcement and rate limits on signing operations.
+
+- **Mock Ledger**
+  - Implement SQLite-backed ledger with balances and transfers for local testing.
+  - Provide CLI or REST examples to query balances and submit transfers.
+
+- **Documentation & Examples**
+  - Update `apps/wallet-daemon/README.md` with setup, run instructions, and curl samples.
+  - Document configuration environment variables (`WALLET_BIND`, `WALLET_PORT`, `KEYSTORE_DIR`, etc.).
+- **Receipts**
+  - ✅ Integrate `ReceiptVerifierService` consuming `CoordinatorReceiptClient` to fetch and validate receipts (miner + coordinator signatures).
+
+## Stage 2+
+
+- Add ChainAdapter interface targeting real blockchain node RPC.
+  - Implement mock adapter first, followed by AITBC node adapter.
+- Support hardware-backed signing (YubiKey/PKCS#11) and multi-curve support gating.
+- Introduce webhook retry/backoff logic and structured logging with request IDs.