Added pilot-bound Monero observation persistence and the one-shot monero:pilot-observe command

docs/real-xmr-pilot-plan.md

@@ -11,7 +11,8 @@ Updated: 2026-10-22. Implementation plan for a private, operator-supervised func
 - **Durable pilot allocation implemented:** a signed pilot request now reserves the next never-reused index transactionally, serializes concurrent allocators, replays idempotently, and rejects request/beneficiary conflicts. PostgreSQL enforces the reservation's custodian, market-chain, and Monero-network binding with a composite foreign key to the immutable pilot identity. A dedicated role can read schema digests and pilot identity, execute the isolation check, and read/insert reservations only; it cannot read balances, register addresses, or access observation, credit, or withdrawal tables. This code does not call Wallet-RPC, return a Monero address, or connect to HTTP.
 - **Wallet-RPC address create/recover implemented:** the operator/library-only function verifies the configured wallet fingerprint, checks the reserved index and stable allocation label, persists a create intent before `create_address`, then reads back and validates the exact Mainnet subaddress before registering it once. Lost responses recover by the stable label without repeating creation; ambiguous missing responses remain in a durable `creating` state and stop for operator reconciliation. No HTTP enrollment, observer, credit, withdrawal, or sale path is enabled.
 - **Operator address command implemented:** `monero:pilot-address` loads an owner-only signed request file, requires the pilot profile plus exact operator-action acknowledgement, checks the configured custodian and watch-only wallet generation/fingerprint/account, loads the protected Wallet-RPC and mTLS configs, verifies the wallet fingerprint, and invokes the durable create/recover library. It returns the address to that one-shot operator caller only; it is not wired into server startup, HTTP, or the browser.
-- **Validation:** serial offline suite passed 189/189; disposable PostgreSQL suite passed 44/44, including schema v13 migration and the pilot reservation/address lifecycle tests. The focused address test verifies lost-response recovery and that an unresolved create is not sent twice. No operator database or real Monero node was accessed.
+- **Pilot observation persistence implemented:** schema v14 stores pilot-only wallet cursors, scan records, assigned/unallocated outputs, and append-only `seen`/`changed`/`reappeared`/`not-seen` events. The separate observer role matches outputs only to a registered reservation with the same wallet generation, fingerprint, account/index, and address; unknown outputs remain suspense. A one-shot bounded scanner resumes with overlap through the new `monero:pilot-observe` command. This is observation-only: no journal, credit, HTTP route, or background service is enabled.
+- **Validation:** focused schema and observer PostgreSQL tests passed; full disposable PostgreSQL suite passed 46/46 and full serial offline suite passed 191/191. Tests cover assigned versus suspense outputs, replay, disappearance/reappearance evidence, exact large atomic amounts, zero financial posting, and observer role denials. No operator database or live node was accessed.
 - **Step 1 is not complete.** The current pilot stack does not connect to that external daemon and still has no Wallet-RPC gateway, observer, real-fund deposit or withdrawal path. It is useful for isolated UI/mock-flow work only and must not receive funds.
 - **Validation history:** earlier pilot-only checks passed 10/10. An earlier full-suite attempt had a transient RandomX peer-gossip failure; the most recent serial offline suite subsequently exited 0.
 - **Steps 2–5:** not started. Existing deposit/withdrawal APIs still require the separately gated mainnet profile; the new pilot record is identity metadata only. Sale-lock transactions remain candidate-only and are not accepted by active consensus.
@@ -123,4 +124,4 @@ Keep the functional essentials: signed authorization, correct network binding, p
 
 ## Next coding task
 
-**Next: exercise `monero:pilot-address` against a protected Wallet-RPC mTLS gateway in a disposable operator-controlled wallet, then add pilot-bound observation for those registered allocations.** First test wallet type, network, external-daemon reachability, and recovery behavior; do not use a funded wallet. Keep HTTP enrollment and customer credit disabled. Do not accept deposits until observer/reorg handling, reviewed credit, actual withdrawal execution, and recovery are connected.
+**Next: add an operator-only pilot credit-review preparation path that consumes these pilot-bound assigned observations, validates confirmation/unlock/double-spend and freshness, and produces a review subject without posting a journal.** Keep unallocated outputs in suspense; do not add automatic credit, customer HTTP enrollment, or withdrawal activation. Continue after this with the separate pending-credit posting/release roles and reorg hold resolution, still gated until cash-out and recovery work is ready.