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Sync-Only Clearnet: new-wallet chain-tip fetch rides clearnet at wallet creation #2595

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@zancas

Creating a new wallet in a session with a server configured fetches the chain tip once over clearnet: zingo-cli/src/lib.rs:844 constructs a GrpcIndexer and calls get_latest_block to seed the wallet birthday. The fetch announces "a brand-new wallet was just created here" from the user's real IP, and it is not the sync machinery, so it violates the Sync-Only Clearnet policy (ADR 0027, branch online_means_nym).

Two remedies fit the policy. The birthday can defer to the first sync, which is the sanctioned clearnet operation and learns the tip anyway — the Library Birthday floor (ADR 0007) already covers the interval, exactly as the offline path does today (lib.rs:856-863). Alternatively the query can ride the mixnet once Mixnet Mode is ready. Deferring is the simpler shape and removes the only pre-sync network emission from wallet creation.

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