Background NWC: the worker now answers — and pays — from the pouch

The no-tap half of background wallet-connect. The push payload carries
the (encrypted, client-signed) request event; a bundled service-worker
responder (src/sw-nwc.js -> nwc-respond.js) finds the matching pouch in
IndexedDB, decrypts with the connection's service key, and answers
get_info/get_balance/list_transactions from pouch state. pay_invoice
pays through the swap bridge with an ArkManager running over the
pouch's chain-6 key window (one HTLC lock, one HTTP swap), enforcing
per-payment and daily budgets from the pouch's own spend log, checking
the notifier's /answered endpoint so it never double-pays or shouts
over an open device, and persisting the swap before handing it off so
the app can refund a crashed flight. Anything it can't handle falls
back to the wake-the-user notification.

The notifier grows /publish (verified 23195s only, rate-limited) as the
worker's reply pipe and /answered for race avoidance. The app gains
pouch funding (mailbox-less arkoor self-send whose recipient bytes we
keep), emptying, spend/budget reconciliation on open, and refund
recovery with the pouch's own keys.

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

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