feat(ui): Ghibli/Miyazaki reskin + Obsidian docs vault + project audit

UI: warm daylight design system (Tailwind v4 @theme palette, gh-* component
classes, watercolor grain, Zen Maru Gothic + Klee One fonts), animated SSR-safe
GhibliBackground (drifting clouds, meadow hills, soot sprites), and a full reskin
of navbar, connect button, dapp page, loan cards, settings modal, and readme.
Fixes the bg-white-on-dark loan-card inconsistency. Web3/business logic untouched.

Docs: converted docs/ into an Obsidian vault (frontmatter, [[wikilinks]],
callouts, Home MOC, folders Architecture/Operations/Audits) and added a
full-project audit note (Project Audit 2026-06). Redacted a real leaked Schedy
key value from the security audit example (rotate it at Schedy).

Also commits the previously-untracked server layer: app/api (cron + tasks routes)
and lib (redis, ssrf-guard, task-store).

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

components/GhibliBackground.tsx

@@ -0,0 +1,108 @@
+// Purely decorative, server-rendered Ghibli landscape that sits behind all
+// content. No JS, no state — just layered CSS-animated SVG/divs. Positions and
+// timings are hardcoded so SSR and client markup match (no hydration drift).
+
+const clouds = [
+  { top: "8%",  scale: 1.0, duration: "70s", delay: "0s",   opacity: 0.9 },
+  { top: "18%", scale: 0.7, duration: "95s", delay: "-30s", opacity: 0.75 },
+  { top: "30%", scale: 1.3, duration: "120s", delay: "-70s", opacity: 0.85 },
+  { top: "46%", scale: 0.55, duration: "85s", delay: "-15s", opacity: 0.6 },
+];
+
+// Soot sprites (susuwatari) drifting up from the meadow
+const sprites = [
+  { left: "12%", size: 10, duration: "16s", delay: "0s" },
+  { left: "26%", size: 7,  duration: "21s", delay: "-6s" },
+  { left: "44%", size: 12, duration: "18s", delay: "-11s" },
+  { left: "61%", size: 8,  duration: "23s", delay: "-3s" },
+  { left: "78%", size: 9,  duration: "19s", delay: "-14s" },
+  { left: "89%", size: 6,  duration: "25s", delay: "-9s" },
+];
+
+function Cloud({ opacity }: { opacity: number }) {
+  return (
+    <svg viewBox="0 0 200 80" width="200" height="80" style={{ opacity }}>
+      <g fill="#fffdf7">
+        <ellipse cx="60" cy="50" rx="55" ry="26" />
+        <ellipse cx="105" cy="40" rx="45" ry="34" />
+        <ellipse cx="145" cy="52" rx="42" ry="24" />
+        <ellipse cx="95" cy="58" rx="70" ry="20" />
+      </g>
+    </svg>
+  );
+}
+
+export default function GhibliBackground() {
+  return (
+    <div aria-hidden className="pointer-events-none fixed inset-0 -z-10 overflow-hidden">
+      {/* warm sun glow, lower-left */}
+      <div
+        className="gh-anim absolute rounded-full"
+        style={{
+          left: "-6rem",
+          top: "-6rem",
+          width: "26rem",
+          height: "26rem",
+          background:
+            "radial-gradient(circle, rgba(244,210,122,0.55) 0%, rgba(244,210,122,0) 68%)",
+          animation: "breathe 9s ease-in-out infinite",
+        }}
+      />
+
+      {/* drifting clouds */}
+      {clouds.map((c, i) => (
+        <div
+          key={i}
+          className="gh-anim absolute left-0"
+          style={{
+            top: c.top,
+            transform: `scale(${c.scale})`,
+            animation: `drift ${c.duration} linear infinite`,
+            animationDelay: c.delay,
+          }}
+        >
+          <Cloud opacity={c.opacity} />
+        </div>
+      ))}
+
+      {/* layered meadow hills along the bottom */}
+      <svg
+        className="absolute bottom-0 left-0 w-full"
+        viewBox="0 0 1440 320"
+        preserveAspectRatio="none"
+        style={{ height: "38vh", minHeight: "220px" }}
+      >
+        <path
+          fill="#9cb87f"
+          fillOpacity="0.55"
+          d="M0,224 C240,160 420,272 720,224 C1020,176 1200,272 1440,208 L1440,320 L0,320 Z"
+        />
+        <path
+          fill="#6f9a5a"
+          fillOpacity="0.7"
+          d="M0,272 C260,224 480,304 760,272 C1040,240 1240,304 1440,272 L1440,320 L0,320 Z"
+        />
+        <path
+          fill="#466a3a"
+          fillOpacity="0.85"
+          d="M0,300 C300,276 520,320 820,300 C1120,280 1280,316 1440,300 L1440,320 L0,320 Z"
+        />
+      </svg>
+
+      {/* soot sprites rising from the meadow */}
+      {sprites.map((s, i) => (
+        <span
+          key={i}
+          className="gh-soot gh-anim"
+          style={{
+            left: s.left,
+            width: `${s.size}px`,
+            height: `${s.size}px`,
+            animation: `rise ${s.duration} ease-in-out infinite`,
+            animationDelay: s.delay,
+          }}
+        />
+      ))}
+    </div>
+  );
+}