chore(v2): 从兴邦预审v2白名单抽取独立可运行基座

按 docs/v2/05-implementation-plan.md §1 候选迁移表与 claude_use/T00 白名单，
从 55e2cdb 抽取 224 个文件（2.48 MB）到独立目录 F:/mini-OpenClaw-v2。

- 排除：凭据(.env/server-deploy.conf/旧DELIVERY.md)、运行数据(xingbang_data 等
  4 个 SQLite)、依赖(venv/node_modules 符号链接)、归档(_backup*/test-evidence/
  ori_file)、Office 临时文件
- 目标目录独立 git 仓库，初始恢复点；Gitea 远程与分支待 OQ-06 Q2 定案
- 未部署、未启动服务、未调用模型

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

backend/skills/collateral_verification/SKILL.md

@@ -0,0 +1,15 @@
+---
+name: collateral_verification
+description: Explain asset, insurance and credit enhancement evidence and deterministic recovery checks.
+---
+
+Read the complete authorized verification snapshot and checks first.
+Keep ERP facts, human confirmation, deterministic checks and model advice distinct.
+Reference the source document, page, quotation and rule version for each concern.
+OCR or extracted text is unconfirmed evidence, never a verified fact by itself.
+Check asset identifiers across policies, lists and registration materials. Explain
+exclusions and ambiguous terms as questions for human review, not legal certainty.
+Use only the supplied scenario calculations. Insurance and guarantee commitments
+are contingent protections and cannot be added to asset realizations as cash.
+State missing inputs and unresolved conditions. Never approve release of funds,
+change source facts, close follow-up tasks or rewrite a confirmed report.