docs: apply fleet-template (16-artifact scaffold)

Adds missing standard artifacts:
- README.md (if missing)
- AGENTS.md (AI agent contract)
- PLAN.md (current sprint)
- STATUS.md (where we are)
- DEVELOPMENT.md (dev workflow)
- DEPLOYMENT.md (deploy procedure)
- TESTING.md (test strategy)
- DECISIONS.md (ADR index + templates)
- .github/CODEOWNERS
- .github/workflows/ci.yml

Preserves all existing artifacts.

Refs: RugMunchMedia/fleet-template

AGENTS.md

@@ -0,0 +1,68 @@
+# AGENTS.md — WalletPress
+
+> AI agent contract. Read this before touching anything in this repo.
+
+## Status
+canonical · owner=crmuncher · last_updated=2026-07-02
+
+## What This Repo Is
+Wallet-as-a-service. Wallet engine, x402 service, chain vault, hosting. CLI for wallet management. Production-grade.
+
+## Type
+`backend` · language=Python 3.12 + FastAPI
+
+## Where It Lives
+- Source: `https://git.rugmunch.io/RugMunchMedia/walletpress`
+- Deployed: Docker on Talos (/srv/walletpress/)
+- Port: 8010
+
+## Built With
+- Standards: [git.rugmunch.io/RugMunchMedia/standards](https://git.rugmunch.io/RugMunchMedia/standards)
+- Toolchain: [TOOLCHAIN.md](https://git.rugmunch.io/RugMunchMedia/standards/raw/branch/main/TOOLCHAIN.md)
+- Conventions: [CONVENTIONS.md](https://git.rugmunch.io/RugMunchMedia/standards/raw/branch/main/CONVENTIONS.md)
+
+## Components
+- `app/`: FastAPI source (adapters, agent, cli, core, plugins, routers)
+
+## Dependencies
+- postgresql (data store)
+- redis (cache + queue)
+
+## 🚨 CRITICAL RULES
+
+1. **No nested repos.** Don't commit other complete project trees inside this one.
+2. **No secrets.** Never commit `.secrets/`, `.env`, `*.pem`, `*.key`, `*.crt`. Use gopass.
+3. **No data blobs.** Don't commit `*.zip`, `*.parquet`, model weights, sqlite files.
+4. **No broken files.** Shell heredoc accidents must be caught before commit.
+5. **No duplicate scaffolds.** If a `backend/` or `frontend/` subdir exists at root, it's either THE app or bloat.
+6. **Update STATUS.md before committing.** Builders must know where we are.
+7. **Read DECISIONS.md before architectural changes.** Don't repeat rejected designs.
+
+## Commands
+```bash
+make install       # install deps
+make dev           # dev server
+make test          # tests
+make lint          # ruff + format check
+make typecheck     # mypy strict
+make security      # bandit + gitleaks
+make ci            # full pipeline
+make commit        # conventional commit
+make clean         # remove build artifacts
+```
+
+## Architecture
+See [ARCHITECTURE.md](ARCHITECTURE.md). Update it when components change.
+
+## Plan
+[PLAN.md](PLAN.md) shows current sprint. Update weekly.
+
+## Status
+[STATUS.md](STATUS.md) shows where we are RIGHT NOW. Update before each commit.
+
+## Owners
+- Primary: crmuncher
+- Backup: TBD
+
+## Related Repos
+See [standards/PRODUCTS.md](https://git.rugmunch.io/RugMunchMedia/standards/raw/branch/main/PRODUCTS.md).