docs: complete code-reality alignment for remaining docs + reconcile issue set

Remaining docs updated to match code (the docs that the first pass had not covered):
- Flows: Chat, Referral, Rating, Registration, Google OAuth, Negotiation, Payout,
  Trezor Safekeeping — corrected endpoints, socket events, status enums, auth gaps
- API Reference: User API, Trezor API — admin route prefix/verb/status corrections,
  added undocumented endpoints (ton-proof challenge, profile email verify,
  GET /trezor/account, POST /trezor/verify-operation)
- Data Models: Chat, Notification, Payment, PointTransaction, User — corrected
  enums (PaymentProvider, escrowState, PointTransaction.type, User.status),
  90-day notification TTL, soft-delete semantics, wallet fields

Trezor "zero frontend" finding (audit C31/C32) corrected as STALE:
- Verified current code HAS a full frontend Trezor implementation (admin/trezor
  page, TrezorSettingsView, trezorConnector via @trezor/connect-web,
  TrezorSignDialog, actions/trezor.ts building the {message,signature} object)
- Fixed Trezor Safekeeping Flow doc (removed false "no frontend" warnings)
- Reclassified ISSUE-012 as invalid/superseded with explanation

Issue set reconciled to a single canonical numbering (ISSUE-001..054):
- Adopted the comprehensive 51-issue set (long-slug, fully indexed)
- Removed 35 superseded short-slug duplicates from the first pass
- Removed a duplicate ISSUE-046 file
- Added 3 issues the 51-set lacked: ISSUE-052 (completed-not-counted-in-stats),
  ISSUE-053 (axios 401-only interceptor), ISSUE-054 (rate limiter counts all attempts)
- Regenerated Issues Index: 53 open (14 critical, 39 major) + 1 invalid

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

Issues/ISSUE-013-createproviderpaymentintent-always-routes-to-request-network.md

@@ -0,0 +1,40 @@
+---
+issue: 013
+title: "createProviderPaymentIntent always routes to request-network/intents regardless of provider argument"
+severity: critical
+domain: Payment
+labels: [bug, frontend, critical, payment, routing]
+status: open
+created: 2026-05-29
+source: Doc vs Code Audit 2026-05-29
+---
+
+# 🔴 createProviderPaymentIntent always routes to request-network/intents regardless of provider argument
+
+**Severity:** critical
+**Domain:** Payment
+**Labels:** bug, frontend, critical, payment, routing
+
+## Description
+
+src/actions/payment.ts getProviderIntentEndpoint() ignores the provider parameter and always returns endpoints.payments.requestNetwork.intents ('/payment/request-network/intents'). Any checkout using provider='shkeeper' silently POSTs to the wrong backend service.
+
+## Current Behavior
+
+SHKeeper checkout silently POSTs to /payment/request-network/intents instead of /payment/shkeeper/intents, causing payment intent creation to fail or create a wrong-provider payment record.
+
+## Expected Behavior
+
+getProviderIntentEndpoint() should return the correct provider-specific endpoint based on the provider argument (e.g., endpoints.payments.shkeeper.intents for 'shkeeper').
+
+## Reproduction Steps
+
+Initiate a SHKeeper checkout and intercept network — observe the POST goes to /payment/request-network/intents not /payment/shkeeper/intents.
+
+## Affected Files
+
+- `frontend/src/actions/payment.ts`
+
+## References
+
+- [Doc vs Code Audit Report](../09%20-%20Audits/Doc%20vs%20Code%20Audit%20Report%20-%202026-05-29.md)