Close the smaller state inconsistencies (B-96, BET-02, BET-07, WDR-01, WDR-15, TX-16, TX-18, TX-27, TX-29, DEP-15, DEP-16, AUD-30, AUD-46, DAT-22)

- bet/withdrawal routes read listener.client after taking the user lock
- a reduced full-balance withdrawal is checked against the minimum again
- a bet covered only by pending balance answers balance_pending_confirmation
- a recovered bet/withdrawal/payout writes bet_placed/withdrawal_sent/payout_sent
- an abandoned payout clears winner/fee/reserve amounts with payout_txid
- the reconciler pings SSE only for rows it changed
- closing_stalled every 30 minutes past the deadline; closing_waiting_since on /rounds/current
- one refresh per user at a time; a failed refresh no longer ends the Electrum session

Co-Authored-By: Claude Sonnet 5.5 <noreply@anthropic.com>

app/bets/service.py

@@ -16,7 +16,7 @@ from app.rounds.events import broadcaster
 from app.rounds.service import open_new_round_if_needed, round_accepts_bets
 from app.tx.versions import delete_versions, record_version
 from app.tx.outcome import BroadcastOutcome, TransactionNetwork, broadcast_with_verdict
-from app.wallet.balance import recompute_balance
+from app.wallet.balance import compute_pending_balance, recompute_balance
 from app.wallet.hd import derive_user_key
 from app.wallet.psbt_builder import (
     MAX_PARTICIPANTS_PER_ROUND,
@@ -125,7 +125,19 @@ async def place_bet(
             select(UtxoEvent).where(UtxoEvent.user_id == user.id, UtxoEvent.spent_txid.is_(None))
         )
     ).all()
-    if sum(u.amount_sats for u in unspent) < bet_amount:
+    confirmed_sats = sum(u.amount_sats for u in unspent)
+    if confirmed_sats < bet_amount:
+        # B-96 (BET-07, DEP-13): the balance on screen includes unconfirmed change and deposits
+        # short of their threshold; a bet that balance would cover gets "wait for the
+        # confirmation", as a withdrawal does, instead of a flat "insufficient".
+        waiting_sats = network.pending_deposit_sats(user.id) if hasattr(network, "pending_deposit_sats") else 0
+        pending_inclusive_sats, has_pending = await compute_pending_balance(session, user, waiting_sats)
+        if has_pending and pending_inclusive_sats >= bet_amount:
+            raise BetError(
+                "balance_pending_confirmation",
+                "the bet cost is covered by your pending balance, which has not confirmed yet",
+                pending_sats=pending_inclusive_sats - confirmed_sats,
+            )
         raise BetError("insufficient_balance", "insufficient balance", required_sats=bet_amount)
 
     user_key = derive_user_key(user.derivation_index)