feat: zeroclaw agentic agency architecture — agents, skills, Rust crates

- 18 agent specs across Software, Support, Marketing, Cross-cutting
  (orchestrator + 7 software + 5 support + 3 cross-cutting + leads-finder)
- 8 reusable skills (handoff, pr-review, dokploy-deploy, campaign-structure,
  content-calendar, ticket-triage, license-lifecycle, invoice-draft)
- 3 JSON schemas: handoff, deliverable, approval
- Policies: autonomy levels, tool risk classification, compliance (DSGVO/GoBD/UWG)
- routing.toml: model tiers T1/T2/T3 + provider config (PII gating)
- Rust workspace (5 crates, all compile + 16 tests pass):
  - aos-mcp: tool registry + risk tagging
  - aos-policy: autonomy levels, budget enforcement, approval requests
  - aos-license: ed25519 license issue/verify (real crypto + CLI binary)
  - aos-ledger: integer-cents money math, gapless numbering, VAT, audit chain
  - aos-sync: frontmatter validator (18/18 specs pass), CLI binary
- CLAUDE.md entry point with architecture overview + roadmap

agency-agents/crates/aos-ledger/Cargo.toml

@@ -0,0 +1,14 @@
+[package]
+name = "aos-ledger"
+version.workspace = true
+edition.workspace = true
+license.workspace = true
+
+[dependencies]
+serde.workspace = true
+serde_json.workspace = true
+anyhow.workspace = true
+thiserror.workspace = true
+
+[lib]
+path = "src/lib.rs"