feat: add experimental wealth-ledger-sdd-lab OpenSpec schema (#61)
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# Tasks
<!-- guide: Task line format:
- [ ] X.Y [main|frontend|backend|docs|specs] <Kind>: <action + outcome>
- **Covers:** `capability` — `Requirement heading` pairs, or `N/A` — <reason>
- **Source:** exact upstream artifact section / contract / docs-impact entry
- **Verification:** owner-controlled command, observable check or artifact
- **Depends on:** task ids or none
Kinds: Implementation, Migration, Automated Testing, Contract Parity, Docs,
Independent Review, QA Verification, Verification. Remove guides before G3. -->
## 1. <!-- guide: delivery phase -->
## Docs Impact
<!-- guide: Only when docs-impact is not selected: list docs/ targets with
resulting AS-IS, or one concrete no-change reason. Delete when docs-impact.md
exists. -->