names: deliver to coinos wallets over a circular route, shrink failing float top-ups, report stuck money in /health

The ASP's vtxo pool sat empty for 35 hours (2026-10-20/22: 614k in the
rounds wallet against 1.12M needed to refill), and two forwards of ~124k
for jarryd sat in the queue the whole time:

- viaClink paid the wallet's own invoice with a plain pay, but a coinos
  wallet's invoice is minted by our ASP on this very node: a self-payment
  the hold plugin never sees ('Destination said it doesn't know invoice').
  It now goes out and back in over a channel pair (payCircular, shared with
  the float top-up) and waits for the wallet to claim, so a payment is
  delivered whenever the wallet is open, float or no float.
- a float top-up that doesn't settle halves the next ask (down to 20k),
  back to full size after one lands: 79 tries of 200k failed where the
  pool's 100k coins could have funded half of it.
- the retry tick can't overlap itself any more (a circular delivery waits
  up to 4 min; an overlapping tick would forward the same payment twice).
- /health reports pendingSat, oldestPendingAt, the top-up failure streak
  and last error, and payments for wallets on another ark server apart
  (undeliverable): the desk float monitor pages on these.

Co-Authored-By: Claude Opus 5.5 <[email protected]>

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