Implement full MVP: auth, HD wallet, Electrum client, deposits, bets, round/draw engine, payout, withdrawals, RBF, admin+audit

All 10 build-order stages complete and unit-tested (49 tests). Verified live on
mainnet: registration/address derivation, deposit crediting, a real 10 PLM bet
(broadcast + confirmed + change credited). A full round close->draw->payout
cycle was triggered live and was in progress at commit time. Withdrawal and RBF
bump are unit-tested but not yet exercised against a live broadcast. Known gaps
(scheduler doesn't resume mid-flight rounds after restart, payout has no retry,
no deployment setup, etc.) are documented in CLAUDE.md.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

tests/unit/test_security.py

@@ -0,0 +1,13 @@
+from app.auth import security
+
+
+def test_password_hash_roundtrip():
+    hashed = security.hash_password("s3cret!")
+    assert security.verify_password("s3cret!", hashed)
+    assert not security.verify_password("wrong", hashed)
+
+
+def test_jwt_roundtrip(monkeypatch):
+    monkeypatch.setattr(security.settings, "jwt_secret", "test-secret")
+    token = security.create_access_token(user_id=42)
+    assert security.decode_access_token(token) == 42