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>

docs/README.md

@@ -0,0 +1,60 @@
+---
+title: Docs README
+tags: [mortgagefi, moc]
+type: moc
+status: stable
+updated: 2026-06-14
+---
+
+# MortgageFi Documentation
+
+This folder is an **Obsidian vault**. Open it in [Obsidian](https://obsidian.md) for backlinks, the graph view, and live wikilinks — or browse the Markdown directly on Git.
+
+> [!tip] Start at [[Home]]
+> [[Home]] is the Map of Content with links to every note.
+
+## Quick links
+
+### Architecture
+- [[Architecture]] — system overview, component diagrams, and data flows
+- [[API Reference]] — REST API for nftcache, the scheduler, and ntfy
+
+### Operations
+- [[Deployment]] — Docker Compose, Vercel, and standalone deployment guides
+- [[Development]] — local setup, adding chains, testing, troubleshooting
+- [[Migration Notes]] — library upgrade notes & rollback plan
+- [[Alert Changes]] — notification & scheduling behaviour history
+
+### Audits
+- [[Security Audit]] · [[Performance Audit]] · [[Project Audit 2026-06]]
+
+## What is MortgageFi?
+
+A decentralized mortgage-lending platform that lets users:
+
+- **Deposit NFT collateral** into audited debt vaults
+- **Borrow stablecoins** against crypto collateral (cbBTC, WETH, WBTC)
+- **Pay down debt** on-chain to extend liquidation timers
+- **Receive alerts** via email and push notifications before liquidation
+
+## Folder layout
+
+```
+docs/
+├── Home.md                 ← Map of Content (start here)
+├── Architecture/
+│   ├── Architecture.md
+│   └── API Reference.md
+├── Operations/
+│   ├── Deployment.md
+│   ├── Development.md
+│   ├── Migration Notes.md
+│   └── Alert Changes.md
+└── Audits/
+    ├── Security Audit.md
+    ├── Performance Audit.md
+    └── Project Audit 2026-06.md
+```
+
+## Related
+[[Home]] · [[Architecture]] · [[Deployment]] · [[Development]]