fix: read UPI creation rates from Polygon Chainlink - #77
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UPI estimates and deposit preparation queried an absent INR/USD feed in Ethereum's registry and failed live. Read the officially listed Polygon INR/USD proxy through a dedicated Polygon client, verify chain 137, and preserve inversion, upward maker-floor rounding, and the 24-hour freshness gate. Alipay/CNY keeps its existing Ethereum reader.
Adds optional
upiCreationRateRpcUrl/upiCreationRateTransportconfiguration, currency-correct errors, invalid-round and transport-isolation regressions, and reproducible live estimate guidance. Existing staging-only UPI gates, SDK 0.14.1, and package version are unchanged.Validation: frozen install and full
bun run cipassed, including 349 tests, audit, build, and packed ESM/CJS/TypeScript compatibility checks. Read-only live Polygon observation at block 93545501: decimals 8, answer 1050700, updatedAt 1788986145, age 37140 seconds; inverted rate 95.17464547444561 INR/USD. Official feed: https://data.chain.link/feeds/polygon/mainnet/inr-usd. No publication or funded transactions.