Drop a dust-sized change into the fee on an RBF bump and audit every refused bump (B-87, TX-11, TX-24, AUD-40, AUD-09, ADR-19)

`bump_fee` only required `change > fee delta`. A change at the 294 sat minimum (a full-balance
withdrawal) shrank to ~153 sat after the very first minimum bump, relay policy refuses a
replacement with a sub-dust output, and the bumper tried again every 30 seconds for ever, with
nothing but a log line to show for it.

- When what would be left of the reducible output (the user's change, a payout's bump
  reserve) is under DUST_LIMIT_SATS the output is dropped and its whole value goes to the fee:
  that replacement is valid and the last one possible. If the output does not exist, or even
  its whole value is below BIP125's minimum increase (vsize x 1 sat/vB), RbfError. The
  recorded fee rate uses the replacement's own, smaller, size.
- RbfError now carries a `reason` (`change_too_small`, `max_fee_rate`, `replacement_rejected`);
  RbfBumper._record_failure writes one `rbf_bump_failed` row {pending_transaction_id, kind,
  txid, reason, message[:200]} with the row's user_id/round_id, in a transaction of its own,
  once per (current txid, reason) - the audit log is the dedupe clock (AUD-09) - and the pending
  row is untouched. A new txid or a new reason writes a new row.
- bump_fee's docstring no longer cites the "bet without change" case that B-62 removed.

No existing test changed (all bumps they make leave a change well above dust). New
tests/unit/test_rbf_dust.py: the 294 sat case end to end (recipient untouched, whole change to
the fee, last bump impossible), the exact boundary (leaves 294 kept / leaves 293 dropped), a
change under the minimum increase, a payout's reserve dropped with the winner and fee outputs
byte-identical, and the audit rows for each reason, once per pair, new row on a new txid or
reason, round/user attribution. Mutation-checked: the dust test of the output and the
once-per-pair check each fail tests.

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

CLAUDE.md

@@ -8,7 +8,7 @@ The user communicates in Italian in chat — reply to them in Italian. Everythin
 
 ## Project status
 
-All 10 stages of the original build order are code-complete and unit-tested — 670 tests, all under `tests/unit/` (`tests/integration/` is an empty package). Beyond them: Docker + Caddy deployment, admin dashboard (`/admin`), static test UI (`/`), pending-inclusive balance display, an SSE push channel layered over the original polling, self-service password change + admin password reset, and the reconciliation/corroboration machinery below.
+All 10 stages of the original build order are code-complete and unit-tested — 681 tests, all under `tests/unit/` (`tests/integration/` is an empty package). Beyond them: Docker + Caddy deployment, admin dashboard (`/admin`), static test UI (`/`), pending-inclusive balance display, an SSE push channel layered over the original polling, self-service password change + admin password reset, and the reconciliation/corroboration machinery below.
 
 Verified on mainnet with real money: registration + address derivation, deposit crediting (at the time, 1-conf; deposits now need `deposit_confirmations`), a real 10 PLM bet (broadcast → confirmed → change credited back), and one full round cycle (close → draw on a real block hash → 70/30 payout with sat math checked against the broadcast tx → confirmation → close → next round auto-opened). **Withdrawal and the RBF bump path have never been exercised against a live broadcast** — unit-tested only.
 
@@ -49,7 +49,7 @@ PYTHONPATH=. python scripts/decrypt_master_key.py     # ops recovery: decrypt+pr
 PYTHONPATH=. python scripts/encrypt_master_key.py     # ops bootstrap: import an externally-generated xprv (--overwrite to replace)
 PYTHONPATH=. python scripts/electrum_smoke_test.py    # manual check: connect, handshake, subscribe to headers, print the tip
 
-python -m pytest                                      # all 670 tests
+python -m pytest                                      # all 681 tests
 python -m pytest tests/unit/test_hd.py                # one file
 python -m pytest tests/unit/test_hd.py::test_derivation_is_deterministic   # one test
 ```
@@ -256,14 +256,14 @@ Explicit design choices, not derivable from any single file — respect them:
 - `GET /admin/users/{id}/privkey` exporting a raw WIF is **intentional**, not a vulnerability: the server already holds the master key, so this only exposes via API what an operator could script anyway. Every access writes `admin_privkey_accessed` — don't remove that logging.
 - **Usernames are case-insensitive** (B-57): one namespace, enforced by a unique index on `lower(username)` (`app/db/models.py`) and matched with `func.lower(...)` on both register and login. The name is still *stored* as typed — that's what `/admin` and the audit log show. The migration refuses to run if two existing accounts differ only by case, rather than guessing which one to rename: both may hold funds.
 - Argon2 hashing means **no password recovery, only reset**: `POST /admin/users/{id}/reset-password` sets a new random password, returns it once for the operator to relay, and logs `admin_password_reset`. No self-service reset exists (no email is ever collected); a logged-in user can only *change* their password by supplying the current one.
-- RBF bumps are paid by whoever's change the tx pays back to — the user for bets/withdrawals, the pool for payouts. Counterparty outputs (recipient, winner, fee address) are never touched; only the sender's own change shrinks (`bump_fee`).
+- RBF bumps are paid by whoever's output the tx reserves for it — the user's change for bets/withdrawals, the bump reserve (paid to the reserve address) for payouts. Counterparty outputs (recipient, winner, fee address) are never touched; only that one output shrinks, or is dropped into the fee when it would fall under dust (`bump_fee`, B-87).
 
 ## Known gaps / TODO
 
 Accepted **by design** — distinct from the audit findings above (all fixed), which are not duplicated here.
 
 - **The `drawing` wait is unbounded by design** (the draw's entropy genuinely depends on a future block). It resumes on its own after an exception or a restart (B-81), and is observable rather than silent — past `_DRAW_STALL_THRESHOLD_SECONDS` it logs progress and writes a `draw_stalled` audit entry, and `GET /rounds/current`'s `draw_waiting_since` surfaces it live (B-36).
-- **RBF handles one shape only**: a single reducible output — the sender's change for a bet/withdrawal, the payout's bump reserve — big enough to absorb the increase. No extra-input fallback, and none would help the case that used to hurt (an amount equal to the whole input total leaves no other UTXO to add) — which is why `build_signed_transaction` now guarantees a change output of at least `DUST_LIMIT_SATS` instead (B-62): a withdrawal for the full balance moves a dust limit less, a bet from a balance equal to the bet is refused with `balance_leaves_no_change`. What's left is a bump whose *delta* exceeds an otherwise-fine change output, which still raises `RbfError`; that tx is eventually abandoned and its UTXOs released.
+- **RBF handles one shape only**: a single reducible output — the sender's change for a bet/withdrawal, the payout's bump reserve (B-79). No extra-input fallback and no CPFP, and none would help the case that used to hurt (a transaction that already spends everything the sender has) — which is why `build_signed_transaction` guarantees a change output of at least `DUST_LIMIT_SATS` (B-62) and every payout carries the reserve. Since B-87 a bump that would leave that output under dust drops it and gives its whole value to the fee (the replacement is then the last possible one); a bump with no output, or one whose output cannot even pay BIP125's minimum increase, raises `RbfError`. Every such failure — and `max_fee_rate` and a replacement the network refuses — is written by `RbfBumper._record_failure` as one `rbf_bump_failed` audit row per (current txid, reason). What stays accepted: a transaction that has exhausted its change or reserve and still does not confirm waits, visibly, and is never abandoned while a server knows it.
 - **Withdrawal and RBF bump are unit-tested but never live-broadcast** (failure and rollback branches included — still not a real network).
 - **No user-facing history of rounds or transactions.** `GET /users/me/last-round-result` covers exactly one case (the reveal backstop above) and `GET /bug-reports/mine` one more (the reporter's own reports). Admin has `/admin/rounds`, `/admin/pending-transactions`, `/admin/audit-log`; a user has no equivalent — a failed withdrawal leaves a `failed` row they can never see, which argues for closing this.
 - **Admin auth is one shared bearer token** (`ADMIN_TOKEN`) with no per-admin identity: `audit_log` records *what* changed (config edits as `config_updated`, with before/after) but never *who* did it. It gates the user list, privkey export, password resets and history, so a leak is high-blast-radius.