kdletters
f8a80cd795
修复资产计费边界风险
资产生成预扣费改为 fail-closed，避免钱包异常时继续调用外部生成
新增钱包退款 outbox，退款失败时本地落盘并后台重放
拼图首图后台任务改用 SpacetimeDB claim 表实现跨实例互斥
计费 ledger id 统一绑定 request_id，并让前端重试复用 x-request-id
同步 SpacetimeDB bindings、后端架构文档和 Hermes 决策记录
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