feat(ecash): the wallet can now be restored from a phrase (NUT-13)

Until now every Cashu proof this node held was backed by a secret drawn
from OsRng and written to exactly one file. Losing wallet/ecash.json
lost the coins outright — no phrase to write down, and nothing the mint
could do about it. Ecash is a bearer instrument, so "one file, no
backup" was the sharpest edge in the wallet.

NUT-13 derives each proof's secret and blinding factor from (seed,
keyset id, counter) instead. The wallet becomes a phrase, and the coins
can be re-derived and re-claimed — here or in any other NUT-13 wallet.

The phrase is its own 24 words, derived from the node master seed over a
fixed HKDF path. Both halves matter: it is still covered by the node's
recovery phrase, so there is nothing extra to write down; but it is
portable, so restoring ecash into Minibits or cdk-cli does not mean
handing over the key to the entire node.

It sits on disk unencrypted, deliberately. The master seed needs the
operator's password to open, which no background mint or swap can ask
for; and this file lives beside wallet/ecash.json, which already holds
spendable bearer secrets in plaintext. It regenerates exactly those
secrets, so it is the same sensitivity class as the file next to it.
0600, like identity/nostr_secret, which is derived and persisted the
same way.

Counters are reserved *before* the mint call and never rolled back. A
gap costs a restore scan a few extra probes; a reused counter costs a
coin, because two proofs with the same secret can only be spent once.

Restore is the half that cannot be done offline: a re-derived secret is
not money until the mint's signature over it exists. /v1/restore returns
those signatures; unblinding reconstitutes the proofs. It is additive
and idempotent — coins already held are skipped by secret, spent ones
are counted but not added — so it is safe to press on a working wallet,
which is when someone is most likely to reach for it.

Existing nodes activate on the first visit to Settings → Ecash backup
phrase: that password prompt is the only moment the master seed can
legitimately be opened. New nodes get it at onboarding. Until then the
behaviour is exactly as before — valid proofs, no backup — and the card
says so rather than implying a backup already exists.

Co-Authored-By: Claude Opus 5 (1M context) <noreply@anthropic.com>

core/archipelago/src/wallet/mod.rs

@@ -7,4 +7,5 @@ pub mod cashu;
 pub mod ecash;
 pub mod fedimint_client;
 pub mod mint_client;
+pub mod nut13;
 pub mod profits;