parity(docs): Phase 0 inventory, mapping and draft PROTECTED list

Read-only inventory of all 7 projects (3 reference + 4 target) produced by
parallel subagents, every claim cited path:line. No source code changed.

- 00-INVENTORY.md  consolidated mapping: stack, backend, admin, user apps
- PROTECTED.md     draft protected list (awaiting user confirmation)
- ISSUES.md        26 logged issues (security, money/stock, validation, dead code)
- CHANGELOG.md     change log scaffold
- PROGRESS.md      resumable state + Q1-Q5 blocking Phase 1
- _inv-*.md        7 raw per-project inventories (8111 lines)

Key finding: the reference is a gold-jewellery B2B/B2C e-commerce system, not a
gold bank. Buy/sell, deposit/withdraw, transfer, KYC levels, payment callbacks,
cron and websockets do not exist in it, so they cannot be parity gaps.

[ref: henza_server, henza_admin, henza_pwa]

Co-Authored-By: Claude Opus 5 <noreply@anthropic.com>

docs/parity/CHANGELOG.md

@@ -0,0 +1,29 @@
+# CHANGELOG — parity changes
+
+Every change made to `gold-banking-monorepo` during the parity project, with the
+reason and the reference path that justifies it.
+
+Format:
+
+```
+## <date> — <phase> — <group title>
+- **What:** <the change>
+- **Why:** <the parity gap it closes>
+- **Reference:** <henza_* path:line>
+- **Target:** <gold-banking-monorepo path:line>
+- **Matrix row:** <id in 01-ADMIN-MATRIX.md / 02-APPS-MATRIX.md>
+- **Commit:** <sha>
+```
+
+---
+
+## 2026-09-21 — Phase 0 — Setup
+
+- **What:** Created branch `parity/phase-0` and `docs/parity/` scaffolding
+  (`PROGRESS.md`, `ISSUES.md`, `CHANGELOG.md`).
+- **Why:** Persistent state required by `CLAUDE.md` §6.
+- **Reference:** n/a
+- **Target:** `docs/parity/`
+- **Matrix row:** n/a
+
+_No source code changed in Phase 0 (read-only phase)._