docs: record wallet creation policy extraction

REFACTORING-TODO.md

@@ -319,4 +319,4 @@ Append one row whenever a task changes status. Existing rows are never rewritten
 | 2026-08-30 | W003 | `TODO` | `STARTED` | Relocated all wallet PostgreSQL and Redis adapter implementations (including tests) from `repository/db` into `infrastructure/postgres` and `infrastructure/redis`; updated bootstrap imports and full Wallet tests pass in `d2580cd`. RabbitMQ, external service, and Stellar adapters remain. |
 | 2026-08-30 | W003 | `STARTED` | `DONE` | Relocated external service clients to `infrastructure/service` and Stellar/Horizon adapters to `infrastructure/stellar`; updated wallet, market, stream, and bootstrap imports; no legacy implementation imports remain; full tests, race tests, vet, and build pass in `d121fc9`. |
 | 2026-08-30 | W004 | `STARTED` | `DONE` | Added the `application/walletread` boundary and routed asset, commission, network, price, health, balance, check-balance, transaction-list, asset-catalog, and blockchain-balance reads through it; protobuf conversion and error mapping remain compatible; full Wallet tests pass in `5b17c82`. Wallet-balance synchronization is a mutation deferred to later wallet work. |
-| 2026-08-30 | W005 | `TODO` | `STARTED` | Added `application/walletinit` for identity preconditions, trustline-limit calculation, key recovery, and trustline submission; `UserInitWallet` now delegates Stellar setup while preserving its existing transaction and rollback flow; full Wallet tests pass in `4292934`. |
+| 2026-08-30 | W005 | `TODO` | `STARTED` | Added `application/walletinit` for identity preconditions, trustline-limit calculation, key recovery, trustline submission, and wallet-code generation; `UserInitWallet` now delegates these policies while preserving its existing transaction and rollback flow; full Wallet tests pass in `c09fdf8`. |