019fbdf5 - Automate Bank Frick vIBAN recovery

[TaprootFreak]

Summary

• automatically recover exact Bank Frick vIBAN matches without repeating create
• move unresolved issuance intents to terminal collection-account fallback after 24 hours
• automatically deactivate duplicate and delayed orphan vIBANs
• log every ambiguous Bank Frick outcome and automation failure at ERROR without additional monitoring mail

Safety

• no second create request after an ambiguous outcome
• exact request-reference, reference-account, and vIBAN binding
• locked and idempotent local state transitions
• indefinite cleanup of delayed Bank Frick objects via retired references

Tests

• npm run type-check
• npm run lint
• npm test -- --runInBand
• npm run test:frick:cov (601 tests, 100% statements/branches/functions/lines)
• npm run test:gate:cov (357 suites, 6,794 tests)