Add ADR 0002: Wallet state model#27

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emlun wants to merge 2 commits intomasterfrom

adr-0002-wallet-state

Commits on Dec 4, 2025

Add ADR 0002: Wallet state model
emlun
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Commits on Dec 5, 2025

Fix "later" that should be "earlier" in ADR-0002
emlun
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