feat: output descriptors in contract params

[Kukks]

Summary

• Add SeedIdentity class for HD wallet derivation from mnemonic/seed phrases
• Implement BIP86 (Taproot) derivation paths with mainnet/testnet support
• Add HD wallet methods: deriveSigningDescriptor, isOurs, signWithDescriptor, signMessageWithDescriptor
• Add ReadonlySeedIdentity for watch-only wallets with HD support
• Export SigningRequest interface for batched transaction signing

Test plan

• Unit tests for SeedIdentity creation (fromMnemonic, fromSeed)
• Unit tests for HD derivation and signing methods
• Unit tests for ReadonlySeedIdentity
• Verify backwards compatibility with existing Identity interface

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[Kukks]

Closing in favor of PR #272 (descriptor-contract-params) which contains only the descriptor-related changes. The SeedIdentity HD wallet changes will be submitted in a separate PR.