the finances skeleton — repo, prefix and permission key, before any feature

Published empty on purpose: identity is the expensive part to change later, the
feature is the cheap part to add. One route, two placeholder panels, no tables and
no sidecar.

CLAUDE.md

@@ -0,0 +1,6 @@
+# CLAUDE.md
+
+**The instructions live in [`AGENTS.md`](AGENTS.md). Read it first — this file only points there.**
+
+Kept separate so agents that look for `AGENTS.md` by convention find the same guidance as those that
+look for `CLAUDE.md`, without the two drifting apart.