[codex] add contributor PR checklist template

.github/pull_request_template.md

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+## Summary
+
+-
+
+Closes #
+
+## Contributor Checklist
+
+- [ ] Tests were added or updated for the changed behavior.
+- [ ] Impacted code meets the 95% coverage expectation, or the gap is explained.
+- [ ] Accessibility was verified for UI changes, including keyboard flow, labels, focus states, and contrast.
+- [ ] Documentation was updated, or no docs change is needed.
+- [ ] `npm run lint`, `npm test`, and `npm run build` pass locally.
+
+## Review Notes
+
+- Testing guidance: [TESTING.md](../TESTING.md)
+- Accessibility guidance: [docs/accessibility.md](../docs/accessibility.md)
+- Contributor workflow: [CONTRIBUTING.md](../CONTRIBUTING.md)
+
+## Security
+
+- [ ] No secrets, wallet keys, `.env` files, or generated artifacts are included
+- [ ] API or wallet trust-boundary changes are explained

scripts/pr-checklist.test.tsx

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+import fs from "node:fs";
+import path from "node:path";
+
+describe("pull request checklist template", () => {
+  const repoRoot = path.resolve(__dirname, "..");
+  const templatePath = path.join(repoRoot, ".github", "pull_request_template.md");
+  const template = fs.readFileSync(templatePath, "utf8");
+
+  it("keeps the contributor checklist focused on review readiness", () => {
+    for (const requiredText of [
+      "Tests were added or updated",
+      "95% coverage",
+      "Accessibility was verified",
+      "Documentation was updated",
+      "`npm run lint`, `npm test`, and `npm run build`",
+    ]) {
+      expect(template).toContain(requiredText);
+    }
+  });
+
+  it("links contributors to testing, accessibility, and workflow docs", () => {
+    for (const requiredLink of [
+      "[TESTING.md](../TESTING.md)",
+      "[docs/accessibility.md](../docs/accessibility.md)",
+      "[CONTRIBUTING.md](../CONTRIBUTING.md)",
+    ]) {
+      expect(template).toContain(requiredLink);
+    }
+  });
+});