Rewrite monitor.py so it operates entirely through the
cardano_checkout.store.InvoiceStore Protocol — no more SQLAlchemy
imports, no more CardanoPayment / PlatformConfig coupling. Same
behavioural shape: same Koios URL, same 15s check cadence, same 2%
confirm / overpay tolerances, same 3-reprice cap.
Rewrite scheduler.py as a reusable InvoiceScheduler dataclass that
wires two APScheduler jobs (check_pending every 15s, reprice_expired
every 60s) against a consumer-supplied store. The subscription +
grace-period jobs are TradeCraft-specific and get lifted into
tradecraft_compat.py verbatim so TradeCraft can still import them
during the migration window without any code change.
Add InMemoryStore reference implementation to store.py — used by the
test suite and handy for local dev / ephemeral workflows.
Bump version to 0.2.0-dev.