docs: align flow docs with code reality + create 35 implementation issue files

Flow docs updated (11 files):
- Delivery Confirmation: reversed actor roles (buyer generates, seller verifies),
  fixed endpoint paths (/delivery-code/generate, /delivery-code/verify)
- Passkey (WebAuthn): removed stub/simulated-key claims; real @simplewebauthn/server
  attestation is implemented; refresh tokens are persisted
- Dispute: corrected resolve schema (action enum), removed non-existent statuses,
  documented security gaps (no role guards on status/resolve/assign), route shadowing,
  all socket events are TODO stubs
- Seller Offer: corrected all endpoint paths, removed 'active' status, documented
  withdraw dead code, missing seller history page, select-offer notification gap
- Notification: corrected mark-all-read method+path, fixed GET /:id broken lookup,
  added unread-count-update socket event
- Authentication: corrected rate limiter (counts all attempts), axios 403 not handled,
  deleteAccount wrong endpoint bug, changePassword no UI
- Password Reset: corrected 6-digit code (not 8), documented no-complexity gap on
  reset-with-code vs token reset
- Payment Flow DePay: /create→/save, removed phantom sub-routes, SIM_ bypass risk,
  PaymentProvider type gap, getProviderIntentEndpoint routing bug
- Payment Flow SHKeeper: removed phantom polling endpoint, fixed release/refund paths
- Purchase Request: added pending_payment/active statuses, fixed sellers/attachments
  endpoints, corrected socket events, PUT→PATCH bug
- Escrow: documented dispute resolve does not touch escrow, route shadowing, confirm-delivery auth gap

Issues created (35 files in Issues/):
- 9 security issues (critical) including: dispute privilege escalation ×4,
  unauthenticated payment/scanner endpoints ×2, SIM_ production bypass,
  confirm-delivery ownership gap
- 26 additional major/critical bugs covering broken endpoints, missing features,
  data integrity gaps, and frontend-backend mismatches

Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>

Issues/ISSUE-016-payment-provider-routing-always-request-network.md

@@ -0,0 +1,39 @@
+---
+issue: "016"
+title: "createProviderPaymentIntent always routes to request-network regardless of provider — SHKeeper checkout broken"
+severity: critical
+domain: payment
+labels: [frontend, bug]
+status: open
+created: 2026-05-29
+source: Doc vs Code Audit 2026-05-29
+---
+
+# 🔴 createProviderPaymentIntent always routes to request-network regardless of provider — SHKeeper checkout broken
+
+**Severity:** critical
+**Domain:** payment
+**Labels:** frontend, bug
+
+## Description
+
+`frontend/src/actions/payment.ts` — `getProviderIntentEndpoint()` ignores its `provider` argument and always returns `endpoints.payments.requestNetwork.intents` (`/payment/request-network/intents`).
+
+If any UI component passes `provider='shkeeper'` to `createProviderPaymentIntent()`, the intent creation silently POSTs to the Request Network endpoint instead of `/payment/shkeeper/intents`. The SHKeeper intents endpoint is defined in `axios.ts` but is never reached by this factory.
+
+## Current Behavior
+
+A SHKeeper checkout call to `createProviderPaymentIntent('shkeeper', ...)` POSTs to `/payment/request-network/intents`. The RN endpoint creates a Request Network intent, not a SHKeeper intent. The payment provider is silently misrouted.
+
+## Expected Behavior
+
+`getProviderIntentEndpoint('shkeeper')` should return `endpoints.payments.shkeeper.intents`. The function should switch on the provider argument.
+
+## Affected Files
+
+- `frontend/src/actions/payment.ts` — `getProviderIntentEndpoint()` function (~line 444)
+
+## References
+
+- [Doc vs Code Audit Report](../09%20-%20Audits/Doc%20vs%20Code%20Audit%20Report%20-%202026-05-29.md) — Finding M38
+- Related: [[ISSUE-017-payment-provider-type-missing-values]]