Apply WS tx payload instantly; faster reconcile

The mempool.space WebSocket push already contains the transaction, so parse
it on arrival to add the incoming UTXO and bump pending immediately, instead
of waiting on a debounced re-scan. The scan still follows (400ms) to
reconcile spends/confirmations. Removes the ~3s our handler added on top of
mempool.space's own push latency.

(Measured: mempool.space itself takes ~8s to see a coinos-broadcast tx due to
p2p propagation — the real fix for incoming-payment latency is the sender
pushing directly to the explorer.)

Co-Authored-By: Claude Opus 4.8 (1M context) <[email protected]>

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