test: add tool-inventory smoke test asserting the 23-tool surface

Every PR in the non-custodial-split series is supposed to preserve
`tools/list` returning 23 tools with identical schemas, but nothing
enforced it — PRs 2, 6, 7 and 8 will restructure and rename tool
families, and a snapshot only means something if it's taken before
that starts. Boot the built server, call listTools(), and assert both
the count and the exact sorted name list against a checked-in
baseline captured from a live run on this branch. Failures report
which names were added/removed rather than a bare array-diff.

Reuses startServer()/stopServer() from test/setup.ts; does not call
getMnemonic(), so it needs no wallet. Wired into CI as a new step
after the unit tests. Also raises the server-start timeout in
setup.ts from 15s to 60s — the Cardano WASM import makes cold starts
slow enough that 15s was flaky on the smoke test's first CI run.

test:smoke is intentionally separate from test:unit (which does not
build) since startServer() spawns build/index.js.

package.json

@@ -14,7 +14,8 @@
     "start": "node build/index.js",
     "test": "npm run test:unit",
     "test:unit": "node --import tsx --test test/unit/*.test.ts",
-    "test:integration": "npm run build && node --import tsx --test test/integration/*.test.ts"
+    "test:integration": "npm run build && node --import tsx --test test/integration/*.test.ts",
+    "test:smoke": "npm run build && node --import tsx --test test/smoke/*.test.ts"
   },
   "files": [
     "build"