[toxxxxicc]

Closes #1051
Closes #1053
Closes #1054
Closes #1055

What changed

• Removed the unused recipient-directory creation from the in-memory recipient update route.
• Added a documented $0.001 USDC default x402 fee for policy omissions, with a warning, while preserving configured fees.
• Made legacy migration skip absent flat files and run at most once per process.
• Added a periodic sweep for expired in-memory cache entries, defaulting to a documented one-minute interval.
• Added focused regression coverage and updated CHANGELOG.md.

How to test

• Tests not run, as requested. git diff --check passed.

Checklist

• CI passes (typecheck, lint, tests)
• No sensitive data files (data/spending.json, data/orders.json) committed
• PR linked to an issue
• CHANGELOG.md updated if user-facing change (or N/A for docs-only / internal refactor with no behavior change — see CONTRIBUTING.md:Development Workflow)

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