feat: deliver Xingbang four-agent v2 workspace

COLLATERAL_AGENT_GUIDE.md

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+# Asset and Enhancement Verification Agent
+
+Open `/collateral-workbench` or enter through the shared Xingbang project
+workspace. It verifies lease assets, insurance, deposits, guarantees, mortgages
+and pledges against a versioned, published rule set.
+
+The deterministic layer checks identifiers, ownership, registration, enforceability,
+period coverage, insurance coverages, beneficiary, exclusions, deductible and
+payout limits. It calculates conservative recovery scenarios with a configurable
+haircut. Asset recovery and paid deposits are the only direct recovery values in
+that calculation. Insurance and guarantee commitments are shown as contingent
+protections and are never added to asset recovery.
+
+Evidence files are stored locally with SHA-256, page-level extracted text and
+references. PDF text extraction is supported; scanned pages require a configured
+local PyMuPDF OCR tessdata directory (`XINGBANG_OCR_TESSDATA`). Extraction is
+unconfirmed until a reviewer confirms each measure. Text, PDF, PNG and JPG files
+are limited to 10 MB and 40 pages where applicable.
+
+The agent can generate an explanation through the same mini-openclaw
+`AgentManager` scoped tool path and `collateral_verification/SKILL.md`. The model
+does not approve release, change facts, close tasks or alter confirmation state.
+Failed model calls preserve the deterministic result.
+
+Verification findings can be converted into Agent 3 follow-up tasks. A project
+plan change or source update makes the result stale and requires a new evaluation.
+The shared project workspace links Agent 1 through Agent 4 by project number.