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.