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Round 2 of PR-review mining: found two subsystem-specific, unrecorded conventions (pseudo-account auth/freeze exemption in vault/lending transactors; SLE-type assertion in ledger helpers) that warrant their own nested AGENTS.md rather than more root-level bullets. Also added thin AGENTS.md pointer files (with CLAUDE.md symlinks, matching the existing convention) for subsystems that already have a substantial README.md but no AGENTS.md — agent tooling auto-loads AGENTS.md when working in a directory but not README.md, so those conventions were otherwise invisible to an agent that didn't think to look.