One wallet per Nostr identity, NIP-98 auth, npub payment addresses

Consistency fix with teeth: logging in with a pasted key derived one
wallet while an extension login for the SAME identity found no backup
and generated a different one. Now every signer kind runs one flow —
look for the published association first (that's where the money is),
then derive (key in hand) or generate (signer only) — and a derived
seed is published too. That costs nothing, since the derivation is
public and anyone holding the key could compute it anyway, and it makes
the identity open the same wallet however you log in.

Registrar auth is now NIP-98 (HTTP Auth, kind 27235) instead of a
homemade envelope: the signature binds the URL, method and body hash,
so a captured header can't be replayed elsewhere. NIP-78 already
covered the encrypted association; NIP-26 delegation is deprecated, so
owner→manager nomination lives in the registrar's own model: an
npub-shaped name may only be claimed by that identity, which nominates
the wallet key to keep the record updated afterwards (the wallet key is
the only one always available — offline, in the worker).

Payment addresses therefore default to the user's REAL npub in all
three login methods, falling back to the wallet's own identity when no
Nostr account is linked.

Co-Authored-By: Claude Fable 5 <[email protected]>

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