docs(audit): align documentation with post-remediation backend reality

- Update data model enums to match backend models
- Update API reference auth requirements
- Add dispute module references and warning blocks
- Add 2026-05-24 audit remediation callout to Overview
- Generate task breakdowns and audit artifacts
- Add doc alignment report (.taskmaster/reports/)

Taskmaster/Tasks/task-4-5.md

@@ -0,0 +1,35 @@
+---
+taskmaster_id: "4.5"
+status: "pending"
+priority: "high"
+depends_on: ["2"]
+parent_id: "4"
+source: "taskmaster"
+generated_at: "2026-05-24T07:15:25.199Z"
+---
+
+# 4.5 - Decide session, passkey, and admin step-up architecture
+
+- [ ] 4.5 - Decide session, passkey, and admin step-up architecture #taskmaster #priority/high #status/pending ⏫ 🆔 tm-4-5 ⛔ tm-2
+
+## Metadata
+
+| Field | Value |
+| --- | --- |
+| Taskmaster ID | 4.5 |
+| Status | pending |
+| Priority | high |
+| Dependencies | 2 |
+| Parent | 4 - Define backend security and refactor strategy from latest audit |
+
+## Description
+
+Choose browser session model and high-risk admin authentication requirements.
+
+## Details
+
+Decide localStorage versus httpOnly cookies, access/refresh token lifetimes, CSRF strategy, refresh rotation, WebAuthn requirements, OAuth requirements, device/session revocation, and whether payouts/role changes require step-up authentication or two-person approval.
+
+## Verification
+
+Decision record lists chosen model, rejected alternatives, migration cost, and required implementation tasks.