[gbemi-aro]

Summary

Adds the splits data layer that the upcoming /splits page needs, and makes withdraw/cancel feel immediate instead of showing a stale balance until the next refetch.

Closes #201
Closes #202

#201 — splits hooks

• useSplit / useSplits return the same { data, error, loading, refetch } shape as the stream hooks.
• useCreateSplit / useDistributeSplit expose pending / success / error state through the shared useContractMutation machine and refetch splits when a transaction confirms.
• Typed against a structural SplitsClientLike, so the hooks work now and accept a future SplitsClient without changes. Listing degrades to an empty list when listSplits is not available, mirroring useStreams.

#202 — optimistic withdraw/cancel

• New optimistic.ts overlay: pending ops are kept separately from the last loaded stream and applied on read.
• Withdraw optimistically increases withdrawn; cancel marks the stream cancelled.
• Failed transactions remove only their own op, so concurrent mutations on the same stream do not clobber each other.
• On confirmation, all mounted useStream readers refetch (bypassing the read cache) before the settled op is dropped, so the UI never flickers back to the pre-transaction value.

Tests

• packages/hooks/src/optimistic.test.ts — success, rollback, cancel, concurrent-mutation independence, withdraw without an amount.
• packages/hooks/src/splits.test.ts — load, error, listing + creator filter, unsupported client, create/distribute pending/success/error, null client.

Verification

• pnpm --filter @stellar-starter-kit/hooks test — 34/34 pass
• pnpm --filter @stellar-starter-kit/hooks typecheck and lint — clean
• pnpm typecheck (repo-wide turbo) — 18/18 tasks pass
• Branch merges cleanly into main (no conflicts)

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