feat(money-mirror): issue-012 production release candidate

[shadowdevcode]

Summary

• ships the latest local Money Mirror changes for issue-012 scope (dashboard UX clarity, frequency clusters, guided review, proactive surfaces, and supporting APIs/libs/tests)
• includes pipeline and governance artifacts for issue-011/012 that are currently present in local working tree per requested scope
• addresses commit-gate file-size constraints by splitting ResultsPanel sections into a dedicated module while preserving behavior

Test plan

• npm --prefix apps/money-mirror test (159/159)
• npm --prefix apps/money-mirror run lint
• npm --prefix apps/money-mirror run build (build completed; sentry upload warnings due network tunnel)
• pre-commit hooks passed (secret scan, file size check, env file check)

Notes

• This PR intentionally includes all current local changes as requested.
• Next step after PR is production deployment verification on Vercel and sharing production URL + deployed SHA.

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[vercel]

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Project	Deployment	Actions	Updated (UTC)
ai-product-os-493e	Ready	Preview, Comment	Apr 8, 2026 11:57am

[github-actions]

PR Risk Assessment

Risk level: High

Reason: Production release candidate touching schema migrations on the profiles, transactions, and three new tables (including a NOT NULL plan column with constraint changes), new billing/permissions logic (user-plan.ts, PaywallPrompt), new in-process rate limiter, a new cron schedule in vercel.json, CI/CD workflow retry logic, and a large cross-stack overhaul of 80+ files spanning API routes, frontend components, and agent instruction files.

Action taken: No action — no eligible reviewers available (sole contributor is the PR author). Human review required before merge.