add arcodange-bank-reco — Qonto + Wise reconciliation against Dolibarr

V6 — the first cross-system skill (under arcodange-* not dolibarr-*).
Closes the loop between what Dolibarr says (ERP-internal) and what the
bank actually saw.

What ships:
- arcodange-bank-reco/scripts/bank-curl.sh        unified read-only wrapper for Qonto + Wise
- arcodange-bank-reco/scripts/bank-probe.sh       auth + discovery (org slug, profile id, balances)
- arcodange-bank-reco/scripts/qonto-transactions  Qonto txn lister with pagination + filters
- arcodange-bank-reco/scripts/wise-transactions   Wise activity lister with --enrich for wire refs
- arcodange-bank-reco/scripts/bank-match.sh       3-bucket reconciliation (matched/bank-only/dol-only)
                                                  with internal Wise↔Qonto consolidation detection
- arcodange-bank-reco/scripts/bank-balance.sh     live balances + Dolibarr cumulative-by-fk_account

The headline bank-curl.sh is SCA-aware (Wise RSA dance) even though we
don't end up using it: the EU statement endpoint is region-blocked
("Funding transfers and retrieving balance statements via API are not
supported except for accounts based in the US, Canada, Australia, New
Zealand, Singapore, and Malaysia" per Wise docs). The wrapper supports
SCA so when/if Wise opens it, we're ready.

The pivot that unblocked Wise incoming: /v1/profiles/{pid}/activities
(documented at https://docs.wise.com/api-reference/activity/activitylist.md)
returns ALL movements in a unified HTML-tagged feed, no SCA required.
Parsing strips the HTML and recovers structured amount/sign/currency.

CLI integration:
- bin/arcodange bank {probe,qonto-transactions,wise-transactions,match,balance,curl}
- dolibarr/SKILL.md catalogue + Pointers updated
- dolibarr/README.md env schema extended with QONTO_*, WISE_*

Live baseline findings to raise with the cohort review (captured in
examples/bank-match-2026-01-to-05.txt):
- Wise 2026-05-29 +2147 EUR Kissmetrics NOT YET in Dolibarr
- Qonto bank-only: MISTRAL.AI 172.68, CLAUDE.AI 180, URSSAF 493, FOUREZ +1000
- 6 movements matched cleanly across Jan-May 2026
- Wise→Qonto 5000 EUR consolidation on 2026-03-13 auto-detected as internal
- Live balance: Qonto 4191.54 + Wise 5308.25 = 9499.79 EUR

V7 candidates noted in SKILL.md out-of-scope: reference-based matching
via the Wise --enrich wire refs (FOR INVOICE FAC***), multi-row Dolibarr
sub-payment aggregation, smarter avoir cycle handling.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

.claude/skills/arcodange-bank-reco/examples/bank-probe.txt

@@ -0,0 +1,37 @@
+================================================================================
+ bank-probe — auth + discovery
+================================================================================
+
+--- QONTO ---
+  base       : https://thirdparty.qonto.com
+  auth shape : Authorization: <login>:<secret>
+  env vars   : QONTO_LOGIN=<set> QONTO_SECRET_KEY=<set> QONTO_ORG_SLUG=arcodange-1246
+
+  [OK] auth succeeded
+       slug          : arcodange-1246
+       legal_name    : ARCODANGE
+       legal_country : FR
+       1 bank account(s):
+         id=019b93fe-3cb8-7e28-9404-ee637f7aff27  name=Compte principal  ...iban=25639215  status=active  balance=4191.54 
+
+--- WISE ---
+  base       : https://api.wise.com
+  auth shape : Authorization: Bearer <token>
+  env vars   : WISE_API_TOKEN=<set> WISE_PROFILE_ID=82958299
+
+  [OK] auth succeeded
+       2 profile(s):
+         id=82958299  type=BUSINESS   name=ARCODANGE   ← .env WISE_PROFILE_ID
+         id=82958415  type=PERSONAL   name=Gabriel Jonathan Marc Radureau
+
+--- WISE balances (for the BUSINESS profile) ---
+  1 balance(s):
+    id=147831931  type=STANDARD currency=EUR balance=5308.25 EUR  name=None
+
+--- summary ---
+  .env should ultimately contain:
+    QONTO_LOGIN=<set>
+    QONTO_SECRET_KEY=<set>
+    QONTO_ORG_SLUG=arcodange-1246
+    WISE_API_TOKEN=<set>
+    WISE_PROFILE_ID=<the BUSINESS id from above>