docs: reconcile README/SECURITY with current repo state
README.md was out of date after several recent features: it listed 6 UI languages (missing Chinese Simplified), described watch-only as xpub-only (address-only import also exists), overclaimed multisig as a working PSBT flow (derivation for it actually throws — not implemented), and its CLI quick-reference omitted restore-address and servers. Also links the new USERGUIDE.md, previously unreferenced from README. SECURITY.md's "known limitations" list didn't mention multisig is unsupported, worth stating explicitly since it's fund-safety adjacent.
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@@ -108,3 +108,6 @@ This is a complement to, not a substitute for, independent human or third-party
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- No coin control (automatic UTXO selection only)
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- No RBF/CPFP UI (RBF flag is set on all transactions, but fee bumping is not exposed)
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- No Lightning Network support
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- No multisig (M-of-N) wallets: the network profile defines multisig SLIP-132 header
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variants, but derivation for them is not implemented — attempting to use one throws
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rather than silently producing an insecure/incorrect wallet
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