BIP84 derivation of per-user P2WPKH addresses and the pool address from
the encrypted master xprv (app/wallet/hd.py, keystore.py), the PLM
mainnet chain params (plm_network.py), and PSBT construction for bets/
payouts/withdrawals with change-output and fee-estimation logic
(psbt_builder.py).
Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>
