Record merchant-onboard scoped-key role in Current state

AGENTS.md

@@ -131,6 +131,22 @@ Operator-specific memories at `~/.claude/projects/-Users-macpro-Projects-keysat/
   end-to-end** (resolver was already complete; only the write path was missing).
   See `docs/guides/payments.md`.
 
+- **Committed this session (`d5885d1`, pushed origin+gitea; NOT yet
+  version-bumped/released)** — **new `merchant-onboard` scoped-key role** for
+  least-privilege self-serve onboarding: read + `products:write` +
+  `policies:write` + `licenses:write` (create product → define policies/tiers →
+  issue licenses) without the master key. The catalog write scopes already
+  existed and were enforced; only the `Role::grants` expansion was missing, so
+  this is a new `Role` variant, not a scope-model change. `grants()` matches
+  scope strings **explicitly** (never by `:write` suffix) so it can't widen into
+  settings/payment/merchant-profile/webhook writes; every master-only op stays
+  behind `require_admin` and is unreachable; tier caps still bound it. Migration
+  0023 rebuilds `scoped_api_keys` to widen the role CHECK (no FKs → plain
+  copy/drop/rename). **Caveat for the doc-onboarding harness/marketing**: this
+  credential covers catalog + manual license issuance fully, but **cannot connect
+  a payment provider** (master-only by design), so the buyer-paid purchase flow
+  still needs a one-time operator step. See `src/api/api_keys.rs`.
+
 - **Work queue (next, in order)**:
   1. 3 remaining multi-profile UIs (rail picker, per-profile SMTP, rail-pref
      editor).
@@ -163,7 +179,8 @@ Operator-specific memories at `~/.claude/projects/-Users-macpro-Projects-keysat/
   optional fmt/prettier standalone commit.
 
 - **Tests/build**: `cargo check` clean (1 intentional deprecation warning); full
-  suite green at `:56` — unit 10, api **56** (incl. the product→merchant-profile
-  write-path tests), subscriptions 7, upgrades 9, worker 3, crosscheck 4,
-  migrations 9. No new clippy warnings. FK enforcement **confirmed** — sqlx pool
-  sets `foreign_keys(true)` per connection (`db/mod.rs`). CI/fmt status is in Known debt.
+  suite green with the merchant-onboard role — unit 10, api **57** (incl. the
+  merchant-onboard onboard-chain + master-only-denial test), subscriptions 7,
+  upgrades 9, worker 3, crosscheck 4, migrations 9 (now through 0023). No new
+  clippy warnings. FK enforcement **confirmed** — sqlx pool sets
+  `foreign_keys(true)` per connection (`db/mod.rs`). CI/fmt status is in Known debt.