v1.21.0 ERC-4337 Session Keys — tools (the user-facing half of #78)

[ceoguy]

Why a second PR

#78 squash-merged only its first two commits (the libs + policy gate — "PR A"). The user-facing tools + SECURITY.md + version bump were pushed to that branch afterward and never reached main. This PR carries exactly those outstanding commits, cherry-picked clean onto main.

What lands here (135 → 140 tools, v1.21.0)

• chaingpt_aa_session_build_grant / _build_revoke — unsigned grant/revoke payloads; owner signs externally; unbounded grants refused by construction.
• chaingpt_aa_session_status — chain-authoritative session state.
• chaingpt_aa_submit_userop — custody-free eth_sendUserOperation (refuses empty signatures).
• chaingpt_agent_wallet_4337_sign_and_send — local gates (erc4337 who/where + per-tx/velocity on the inner call) THEN the chain enforces the granted caps. Bundler cap-rejections surface as chain-side refusals.
• PreToolUse guard on both new signing/submitting tools; agent-wallet + aa skill docs; SECURITY.md; CHANGELOG + version 1.21.0.

Verification

8/8 local layers, 428 vitest, 140 tools at boot. Surface is opt-in fail-closed (erc4337.enabled absent/false everywhere) so it's inert until an admin enables it.

Tag gate unchanged: v1.21.0 tags only after the live Base Sepolia loop (TESTING.md) — the unrestricted-local-vs-chain-refusal proof. Safe to merge ahead of it.

🤖 Generated with Claude Code

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ℹ️ Review info

⚙️ Run configuration

Configuration used: Organization UI

Review profile: CHILL

Plan: Pro

Run ID: bfc145a4-b955-4009-b0f5-38efcbaec8c2

📥 Commits

Reviewing files that changed from the base of the PR and between 082b1c2 and 5773e67.

⛔ Files ignored due to path filters (1)

• docs/demo/agent-wallet-refusal.gif is excluded by !**/*.gif

📒 Files selected for processing (20)

• .claude-plugin/marketplace.json
• .claude-plugin/plugin.json
• CHANGELOG.md
• README.md
• SECURITY.md
• TESTING.md
• VERSION
• docs/demo/agent-wallet-refusal.tape
• docs/demo/demo-driver.mjs
• hooks/mainnet-guard.js
• mcp-server/package.json
• mcp-server/src/__tests__/aa.test.ts
• mcp-server/src/__tests__/aa_sessions_tools.test.ts
• mcp-server/src/index.ts
• mcp-server/src/lib/smart-sessions.ts
• mcp-server/src/tools/aa.ts
• mcp-server/src/tools/aa_sessions.ts
• mcp-server/src/tools/agent_wallet_4337.ts
• skills/aa/SKILL.md
• skills/agent-wallet/SKILL.md

✨ Finishing Touches

🧪 Generate unit tests (beta)

• Create PR with unit tests
• Commit unit tests in branch feat/erc4337-tools

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