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>

bin/arcodange

@@ -68,6 +68,14 @@ COMMANDS
 
   snapshot               [--out FILE|--print-only] Bundle full read-only state into one JSON
 
+  bank                               Bank-side data (Qonto + Wise) + Dolibarr reconciliation
+    probe                                          Auth + discovery (org slug, profile id, balance ids)
+    qonto-transactions   [--month|--since|--until] Qonto transactions table (incoming + outgoing)
+    wise-transactions    [--month|--since|--until|--type|--enrich]  Wise activities (incoming + outgoing)
+    match                [--month|--since|--until|--window-days N]  Match bank ↔ Dolibarr (3 buckets)
+    balance                                        Live balances + Dolibarr cross-check per fk_account
+    curl                 <qonto|wise> <path>       Raw read-only curl through bank-curl.sh
+
   whoami                                          GET /users/info — confirm auth
   ping                                            GET /status     — liveness + Dolibarr version
   curl                   <path>                   Raw read-only curl through dol-curl.sh
@@ -195,6 +203,39 @@ EOF
     exec "${SKILLS}/dolibarr-data-snapshot/scripts/snapshot.sh" "$@"
     ;;
 
+  bank)
+    sub="${1:-help}"; shift || true
+    case "${sub}" in
+      probe)              exec "${SKILLS}/arcodange-bank-reco/scripts/bank-probe.sh"        "$@" ;;
+      qonto-transactions) exec "${SKILLS}/arcodange-bank-reco/scripts/qonto-transactions.sh" "$@" ;;
+      wise-transactions)  exec "${SKILLS}/arcodange-bank-reco/scripts/wise-transactions.sh"  "$@" ;;
+      match)              exec "${SKILLS}/arcodange-bank-reco/scripts/bank-match.sh"         "$@" ;;
+      balance)            exec "${SKILLS}/arcodange-bank-reco/scripts/bank-balance.sh"       "$@" ;;
+      curl)
+        if [[ $# -lt 2 ]]; then
+          echo "arcodange bank curl: usage: bank curl <qonto|wise> <path>" >&2; exit 2
+        fi
+        exec "${SKILLS}/arcodange-bank-reco/scripts/bank-curl.sh" "$@"
+        ;;
+      help|-h|--help)
+        cat <<'EOF'
+arcodange bank — bank-side data (Qonto + Wise) and Dolibarr reconciliation.
+
+  probe                                          Auth + discovery (org slug, profile id, balance ids)
+  qonto-transactions   [--month|--since|--until] Qonto transactions table
+  wise-transactions    [--month|--since|--until|--type|--enrich]  Wise activities (incoming + outgoing)
+  match                [--month|--since|--until|--window-days N]  Match bank ↔ Dolibarr (3 buckets)
+  balance                                        Live balances + Dolibarr cross-check per fk_account
+  curl                 <qonto|wise> <path>       Raw read-only curl through bank-curl.sh
+
+Requires QONTO_LOGIN, QONTO_SECRET_KEY, QONTO_ORG_SLUG, WISE_API_TOKEN,
+WISE_PROFILE_ID in .env. See arcodange-bank-reco/SKILL.md for setup.
+EOF
+        ;;
+      *) echo "arcodange bank: unknown subcommand '${sub}' (try 'arcodange bank help')" >&2; exit 2 ;;
+    esac
+    ;;
+
   whoami)
     exec "${DOLC}" /users/info
     ;;