docs: record W006 transfer transaction extraction

REFACTORING-AUDIT.md

@@ -417,4 +417,5 @@ Migration order implied by the map: isolate shared infrastructure constructors (
 - Transaction-event type support is centralized in `application/transactionevents`, removing the duplicate wallet-server policy. Full Wallet tests pass in `4d03adb`.
 - IPG payer-ID derivation is now application-owned with short/invalid input protection and deterministic tests; the gRPC service delegates through a compatibility wrapper. Full Wallet tests pass in `f12752d`.
 - Pending IRT deposit and withdrawal transaction-record construction is now application-owned and tested; persistence insertion remains at the gRPC/service boundary. Full Wallet tests pass in `0efc199`.
+- Pending internal and external transfer transaction-record construction is now application-owned and tested; repository insertion and transfer execution remain at the gRPC/service boundary. Full Wallet tests pass in `98753f7`.
 - Deposit/payment idempotency, transaction persistence, queue publication, and failure orchestration remain for subsequent W006 increments.

REFACTORING-TODO.md

@@ -123,7 +123,7 @@ This is the authoritative execution tracker for the refactor. Work is performed
 | W003 | `DONE` | Move PostgreSQL, Redis, RabbitMQ, external client, and Stellar adapters into infrastructure. | PostgreSQL/Redis, RabbitMQ Watermill, external service, and Stellar/Horizon implementations are infrastructure-owned; legacy implementation imports are removed; full tests, race tests, vet, and build pass. |
 | W004 | `DONE` | Extract read-only wallet use cases and gRPC adapters. | Asset, commission, network, price, health, balance, check-balance, transaction-list, asset-catalog, and blockchain-balance reads delegate through `application/walletread`; protobuf conversion and error mapping remain compatible. Wallet-balance synchronization is an explicit mutation deferred to later wallet work. |
 | W005 | `STARTED` | Extract wallet initialization and asset/trustline use cases. | Initialization preconditions and trustline-limit policy now use `application/walletinit`; transaction, key-generation, trustline, and rollback orchestration remains in progress. |
-| W006 | `STARTED` | Extract deposit, withdrawal, and transaction use cases. | IRT withdrawal amount reconciliation now uses `application/withdrawal`; deposit/payment, transaction persistence, idempotency, balances, queues, and failure behavior remain in progress. |
+| W006 | `STARTED` | Extract deposit, withdrawal, and transaction use cases. | Deposit, withdrawal, transfer, and transaction construction/policy now use application packages; persistence, idempotency, balances, queues, and failure behavior remain in progress. |
 | W007 | `TODO` | Extract market use cases and adapters. | Pricing and market operations remain compatible. |
 | W008 | `TODO` | Extract alert use cases and adapters. | Alert persistence, delivery, and error behavior remain compatible. |
 | W009 | `TODO` | Extract internal-wallet use cases and adapters. | Internal RPC contracts remain compatible. |
@@ -325,4 +325,4 @@ Append one row whenever a task changes status. Existing rows are never rewritten
 | 2026-08-30 | A009 | `TODO` | `DONE` | Removed Auth's commented/dead wallet federation client; Auth tests pass with writable cache in `508a239`. |
 | 2026-08-30 | W013 | `TODO` | `STARTED` | Removed automatic federation creation and federation lookup from wallet initialization; new wallet records no longer receive a federation assignment; full Wallet tests pass in `97dd9d9`. Remaining schema/API/transaction-field cleanup is pending. |
 | 2026-08-30 | W013 | `STARTED` | `DONE` | Removed federation persistence/model code, wallet and transaction federation fields, federation protobuf messages, stale API route/docs, and remaining runtime references; regenerated Wallet contracts for Wallet/Auth/API; Wallet, Auth, and API tests pass. Wallet `a38501d`/`7ae90cc`, Auth `446e875`, API `c450264`/`c2c076c`. |
-| 2026-08-30 | W006 | `TODO` | `STARTED` | Added `application/withdrawal`, `application/deposit`, `application/transfer`, and `application/transaction`; routed IRT reconciliation, IPG conversion/settlement/payer identity, transfer validation, pending deposit/withdrawal transaction construction, Stellar status updates, and transaction-event support policy through application boundaries; full Wallet tests pass in `0efc199`. Idempotency, queue publication, and failure orchestration remain. |
+| 2026-08-30 | W006 | `TODO` | `STARTED` | Added `application/withdrawal`, `application/deposit`, `application/transfer`, and `application/transaction`; routed IRT reconciliation, IPG conversion/settlement/payer identity, transfer validation, pending deposit/withdrawal/transfer transaction construction, Stellar status updates, and transaction-event support policy through application boundaries; full Wallet tests pass in `98753f7`. Idempotency, queue publication, and failure orchestration remain. |