chore(security): enhance environment configuration, CI workflows, and wallet daemon with security improvements

- Restructure .env.example with security-focused documentation, service-specific environment file references, and AWS Secrets Manager integration
- Update CLI tests workflow to single Python 3.13 version, add pytest-mock dependency, and consolidate test execution with coverage
- Add comprehensive security validation to package publishing workflow with manual approval gates, secret scanning, and release

docs/5_reference/5_zk-proofs.md

@@ -25,9 +25,10 @@ Successfully implemented a zero-knowledge proof system for privacy-preserving re
 - **Backward Compatibility**: Existing receipts work unchanged
 
 ### 4. Verification Contract (`contracts/ZKReceiptVerifier.sol`)
-- **On-Chain Verification**: Groth16 proof verification
+- **On-Chain Verification**: Groth16 proof verification with snarkjs-generated verifier
 - **Security Features**: Double-spend prevention, timestamp validation
 - **Authorization**: Controlled access to verification functions
+- **Status**: ✅ PRODUCTION READY - Real verifier implemented with trusted setup
 - **Batch Support**: Efficient batch verification
 
 ### 5. Settlement Integration (`apps/coordinator-api/aitbc/settlement/hooks.py`)