fix(phase20): fail-closed onboarding governance (W1) - #57
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…er-checker, claim-map allowlist, user suspension, dev-flag gates - GAP 1: onboarding.selectRole restricted to trader-level 'user'; privileged roles require role_requests maker-checker (reviewRoleRequest, maker!=checker, audited) - GAP 4: admin:all removed from API-key self-issuance; elevated scopes via api_scope_requests maker-checker - GAP 5: bare Keycloak claims no longer auto-map; ADMIN_ROLE_CLAIM_MAP allowlist; audited auto-provision; unknown privileged claims -> lowest privilege + pending role request - GAP 9: users.status (active/suspended/offboarded) + admin suspend/reactivate/offboard + auth enforcement - GAP 6: NIGERIA_ID_ALLOW_UNSIGNED_DEV_TOKENS gate, production boot refusal; kyc mock fallback confirmed removed - migration 0073 + journal; 20 new tests; tsc clean
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Phase 20 W1 — stakeholder-onboarding audit gaps 1,4,5,6(partial),9 for singlewindow. See commit message; tests 20/20 + tsc clean.