docs: AML scope note, human-blocked items, Task #11 pre-flight inventory

- Add AML scope note to Handoff - RN Multichain Probe (sanctions-only vs full KYT)
- Add human-blocked section with 3 precise next steps for owner
- Create Task 11 Pre-flight Inventory: library choice, dev/prod flow, admin UI gaps, backend gaps, risks, acceptance criteria

01 - Architecture/Backend Architecture.md

@@ -301,7 +301,10 @@ Jest test suites in `backend/__tests__/`:
 | `models.test.ts` | Schema validation, virtuals, hooks |
 | `payment-services.test.ts` | Payment orchestration logic |
 | `complete-backend.test.ts` | Cross-service integration |
-| Request Network / payment tests | Request Network adapter, webhook signature, ledger, release/refund orchestration |
+| `request-network-webhook.test.ts` | Request Network webhook signature and processing |
+| `request-network-adapter.test.ts` | Request Network payment adapter |
+| `payment-ledger.service.test.ts` | Ledger append/reconciliation behavior |
+| `payment-release-refund-orchestration.test.ts` | Release/refund instruction orchestration |
 
 Run with `npm run test:all`. CI runs the same. Reach for `npm run test:models`, `npm run test:payment`, etc. when iterating on a slice.
 

01 - Architecture/Frontend Architecture.md

@@ -211,7 +211,7 @@ const config = createConfig({
 });
 ```
 
-Wallet UI: connect / disconnect / show address / show balance via `use-web3-wagmi`, `use-web3-context`. The DePay widget (`@depay/widgets`) is loaded for the assisted-pay flow.
+Wallet UI: connect / disconnect / show address / show balance via `use-web3-wagmi`, `use-web3-context`. The current checkout target is the Request Network in-house flow; the DePay widget package remains legacy/frontier context and should not be treated as the primary path.
 
 ---
 

01 - Architecture/System Architecture.md

@@ -205,4 +205,4 @@ See [[PRD - Request Network In-House Checkout]] and [[Request Network Integratio
 - [[Real-time Layer]] — Socket.IO setup, rooms, events
 - [[Security Architecture]] — auth, hashing, rate-limit, webhook HMAC
 - [[Tech Stack]] — exact versions & purpose of every dependency
-- [[Payment Flow - SHKeeper]] — end-to-end crypto pay-in flow
+- [[Escrow Flow]] — current Request Network pay-in, ledger, and custody release flow