Set up default currency accounts automatically (#72)

docs/local-sendico.md

@@ -130,8 +130,10 @@ This recovery retains the configured provider URL, account and replay namespace.
 layout and least-privilege identities, Mongo transactions/lease rotation, and
 authenticated Sendico currency and ledger reads through the same loopback
 connection and token used by BFF. It sends no email and executes no payment.
-An empty wallet is expected until dedicated subject-bound currency ledgers and
-saved methods are provisioned as described in [payment provisioning](payments.md).
+Signup and wallet access automatically ensure subject-bound RUB, USDT and USDC
+ledgers as described in [account setup](payments.md#automatic-currency-accounts-72).
+Deploy the provider prerequisite and grant ledger-create permission first.
+Saved funding and payout methods remain separate from currency-account setup.
 
 ## Recovery