docs: update cross-machine continuation memory

MEMORY.md

@@ -1,6 +1,6 @@
 # Darano project memory
 
-Updated: 2026-08-29
+Updated: 2026-08-30
 
 ## Product and domain
 
@@ -80,3 +80,36 @@ Dockerfiles were updated to use these defaults. AdminPanel retains one lockfile-
 ## Repository rule
 
 All changed project repositories are kept on `feat/refactor-v1`. Clean auxiliary repositories that already use another branch were not modified.
+
+## Cross-machine continuation handoff (2026-08-30)
+
+All committed work was pushed. `api`, `auth`, `wallet`, `proto`, and `dev-procfile` are clean on `feat/refactor-v1` and synchronized with `origin`. API's branch diverged from the remote and was safely merged in `32c3953`; the refactored configuration layout was retained, obsolete legacy `config/` and `Dockerfile` conflict artifacts stayed removed, and `go test ./...` passes.
+
+### Recently completed
+
+- Federation was removed from Wallet/Auth/API and the shared wallet protobuf. The intended ownership remains `user_id → identity_id → wallet_id`, with wallets asset-scoped. Deployed databases still need their separate legacy federation column/table migration.
+- Auth refactoring tasks `A001`–`A009` are complete, including configurable periodic identity validation.
+- Wallet `W001`–`W004` and `W013` are complete. `W005`–`W012` are started and have substantial application-boundary extraction.
+- Recent Wallet commits: `5f37e56` configurable cron schedule; `ba14ce1` no nil cron errors; `0920702` explicit lock/release success responses; `36b4d67` lock request validation; `66d271e` safe unsupported transaction processing; `f9a0262` propagate wallet-init commit failures; `dc0bdf4` central agreement-ID policy; `ab4091e` central rounding policy.
+- Recent coordination docs commit: `478d23a`.
+
+### Wallet work still open
+
+Use `REFACTORING-TODO.md` and `REFACTORING-AUDIT.md` as the authoritative detailed tracker. Remaining started Wallet items are:
+
+- `W005`: complete initialization/trustline orchestration extraction and integration coverage.
+- `W006`: finish balance coordination and business failure/refund orchestration. Refund remains constrained by the current PSP provider interface.
+- `W007`: extract market lifecycle, settlement, contract generation, and adapters.
+- `W008`: extract alert delivery/retry/persistence and adapters.
+- `W009`: move remaining internal-wallet transaction, ledger, persistence, and RPC boundary work.
+- `W010`: finish cron/stream process composition separation.
+- `W011`: replace remaining shared bootstrap internals with explicit dependency composition.
+- `W012`: remove remaining superseded core implementations and compatibility adapters.
+
+### Commands and cautions
+
+- Prefix shell commands with `rtk` as required by `/home/navid/.codex/RTK.md`.
+- Use `rtk env GOCACHE=/tmp/darano-wallet-go-cache go test ./...` from `wallet/`; the default Go build cache is not writable in this environment.
+- Use `rtk env GOCACHE=/tmp/darano-api-go-cache go test ./...` from `api/`.
+- Use `apply_patch` for edits. Do not hand-edit generated protobuf stubs; regenerate through the service build/proto workflow.
+- Preserve unrelated worktree changes. Do not force-push.