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docs: record AI governance audit

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# ADR
Здесь фиксируются долгоживущие технические решения. Новый ADR описывает контекст, решение и последствия; заменяемое решение получает новый ADR со ссылкой на прежний.
- [001 — Prisma и SQLite для локального MVP](001-prisma-sqlite-local-mvp.md)
- [002 — Nest-generated OpenAPI contract](002-nest-generated-openapi-contract.md)
- [003 — Server-side gRPC boundary T-Bank](003-tbank-server-side-grpc-boundary.md)
- [004 — Encrypted per-user T-Bank token](004-encrypted-per-user-tbank-token.md)
- [005 — T-Bank upstream resilience](005-tbank-upstream-resilience.md)
- [006 — Auth session policy](006-auth-session-policy.md)
- [007 — React Query fetch policy](007-react-query-fetch-policy.md)
- [008 — Pino backend logging](008-pino-backend-logging.md)
- [009 — Concurrent refresh rotation policy](009-concurrent-refresh-rotation-policy.md)
- [010 — Native OpenSpec SDD и local orchestration](010-native-openspec-sdd-and-local-orchestration.md)