docs: rewrite README and add PRODUCT, ARCHITECTURE, ROADMAP, TODO per governance framework

PRODUCT.md

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+# WalletPress — Product Charter
+
+**Product:** WalletPress
+**Repo:** git.rugmunch.io/RugMunchMedia/walletpress
+**Deploy path:** /srv/walletpress/ on Talos
+**Container:** walletpress-backend
+**Health:** http://127.0.0.1:8010/health
+**Status:** Active development
+
+## Problem
+WordPress sites and applications need an integrated multi-chain wallet engine, key vault, and x402 micropayment layer without building it from scratch.
+
+## User
+- WordPress site operators
+- SaaS builders needing wallet generation
+- Operators managing chain vaults
+
+## Scope
+- Python FastAPI backend
+- WordPress plugin (PHP/JS)
+- Wallet engine + chain vault
+- x402 service for micropayments
+- CLI tool for wallet management
+- Standalone MCP server
+
+## Anti-scope
+- No token scanning (lives in rmi-backend)
+- No web scraping (lives in pryscraper)
+- No social feed (lives in degenfeed-web)
+- No RMI frontend code
+
+## Success criteria
+- /health returns ok
+- CI green
+- All files <500 lines
+- WP plugin installable from zip
+- MCP tools typed
+
+## Current reality
+- Health returns ok
+- Best pre-commit hooks in fleet (web3-safety + hallucination-check)
+- 11 files >500 lines
+- 112 f-string logs, 2 bare except, 1 time.sleep
+
+## Fleet dependencies
+- None standalone; can use rmi-backend for risk data

TODO.md

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+# WalletPress — TODO
+
+## Active
+- [ ] Split 11 files >500 lines
+- [ ] Convert 112 f-string logs to structured logs
+- [ ] Fix 2 bare except clauses
+- [ ] Replace 1 time.sleep with asyncio.sleep
+
+## Next
+- [ ] Add GitHub Actions CI if missing
+- [ ] Add PRODUCT.md and TODO.md to pre-commit protected docs list
+- [ ] Define WP plugin release process
+
+## Blocked
+- None
+
+## Done
+- ARCHITECTURE.md and ROADMAP.md exist
+- Pre-commit hooks include web3-safety and hallucination-check