feat(mind): ask the wallet in plain words, Explain, and proactive insights

[bitwalt]

Summary

KaleidoMind moves from a separate chat into the wallet itself:

• Intent bar on the Dashboard and in Mind. Type or say "send 10€ to Mario", "swap half my BTC to USDT", "receive 50k sats on Lightning" or "how much did I spend this week". The answer is a card with the amount, recipient, route and fee. Review opens Send, Swap or Receive prefilled.
• Explain next to activity items, fees, RGB transfers and errors: a short plain-language explanation of that exact item.
• Insights on the Dashboard: small cards you can dismiss, e.g. RGB backup missing or failed, low inbound room on an RGB channel, a swap or payment that needs attention, a large payment received, low mainnet fees.

Everything runs on the phone, and money still moves only through the existing Send, Swap and Receive confirm flows.

Builds on #117 (Prismo). This branch merges it, so until #117 lands this diff also shows its commits.

How it works

• Intents (services/mindIntents/):
  • Deterministic rules (English and Italian: €/$/£, k/mila, decimal commas, half/metà/all/%, contacts, pasted invoices and addresses) run first. Then the Funnel's existing extractors. The model is asked only when neither is confident.
  • The schema prompt isn't tuned to any model, and validateIntent drops amounts or recipients that aren't in the user's own words.
• Numbers come from the wallet, never the model (card.ts):
  • fiat from the price feed, fractions from balances;
  • send fees from the kaleidoPay quotes, swap output from a new read-only previewSwapQuote;
  • contacts via matchContacts, which shows a warning on zero or several matches instead of guessing.
• Review navigates with prefill params to Send, Receive and Swap, whose confirm steps are unchanged.
• Explain (services/mindExplain.ts): the model sees only the item's structured facts (no ids or preimages). Its answer is kept only if it is 2–4 sentences and every number appears in the facts; otherwise a built-in explanation is shown.
• Insights (services/insights.ts, useInsights): rule-based, no model.
  • at most 2 cards at a time;
  • fees checked at most every 30 minutes, activity every 5;
  • dismissals saved per wallet, each with a cooldown.

Details

• Lite mode hides route and account details. Receive applies a network only in Advanced.
• Prismo shows up on insight cards and on the Explain sheet.
• Regexes avoid lookbehind and \p{…} so they cannot fail to parse on Hermes; a test guards this.
• Previewing a send to a Lightning-address contact fetches an invoice from the contact's server, the same thing Send's Continue does.

Testing

• tsc is clean, with about 120 new tests across parsing, schema, cards, the runner, Explain, insights and the sheets.
• The full jest suite is green except services/kaleidoPay/barkOffer.test.ts, which already fails on main and is unrelated.

Needs a device:

• dictation on long-press;
• the Explain sheet on top of the activity and swap-failure sheets;
• Review prefill on all three screens;
• real fee and swap quotes;
• low-fee cards only on mainnet.