Instant gift-via-split and spend-unconfirmed support

Gift split no longer makes the sender wait for confirmation: createGiftFromSplit
broadcasts the carve-out, waits only until it's visible in the mempool, then
builds the gift spending that still-unconfirmed coin. Funding + claim form a
chain that confirms together; the recipient sees a pending balance until then.
Polls for mempool visibility before reserving so a background refresh can't drop
a not-yet-indexed coin and prune the reservation (double-spend risk).

Regular sends can already draw on unconfirmed coins; surface that honestly:
a 'pending' tag on unconfirmed coins in coin control, and a plain-language
warning at review when a payment spends unconfirmed bitcoin (won't confirm
until the ancestor does).

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

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