fix: update paymentMethod preset choice from wire_transfer to ach for Gradio component validation

feat: add quick test samples preset bar to TransactionForm dashboard component

feat: integrate NVIDIA Build API (openai/gpt-oss-20b) into SLM explanation layer with reasoning support

fix: replace binary dataset with text demo_scenarios.json and enable dynamic RAZOR Q&A

fix: format RAZOR assistant messages with summary, recommended action, and key signals

fix: update Pydantic ExplanationInput defaults, rename assistant to RAZOR, and add null-safety to scenario distribution

fix: resolve TypeError in number formatting and add interactive SLM Co-Pilot chat drawer

fix: refine SLM vs fallback explanation source display

feat: upgrade UX to live operational merchant risk console with real request tracing

feat: complete Phase 10 Vercel deployment, QA & production demo polish

feat: complete RazorShield Next.js landing page & risk console frontend