docs: record Wave 3 surface consolidation and fold NAS-only whisper into compose

- docs/REFACTOR_WAVE3_REPORT.md and the Wave 3 policy: canonical map,
  production changes, verification and remaining external steps.
- Gap backlog: GAP-BILL-01 resolved; new GAP-BILL-02 (Payple renewal never ran,
  Payple client key never set), GAP-WEB-01 (tunnel host for /app), GAP-OPS-01
  (NAS compose/.env drift), GAP-CI-01, GAP-I18N-02, GAP-TEAM-02.
- design.md: hero loop decision (numbers taken from the app capsule), pricing
  mismatch closed; feature catalog SHELL-11 updated.
- docs/map, release guide and mobile release docs no longer describe the
  deleted wwwroot, binaries, Dockerfile.admin, NAS site copy or .github CI.
- docker-compose.nas.yml gains the d3ro-whisper service that only existed in
  the NAS copy, so the repository file is the complete definition.
- refactor-wave skill: Wave 3 index and lessons P10-P12.

docker-compose.nas.yml

@@ -73,3 +73,28 @@ services:
       options:
         max-size: "10m"
         max-file: "3"
+
+  # ============================================================================
+  # 로컬 Whisper STT 서버 (faster-whisper, OpenAI 호환) — NAS 운영본에만 있던 서비스를 정본으로 합쳤다.
+  # large-v3/large-v3-turbo/small 모델은 캐시 볼륨에 저장된다.
+  # int8 양자화 + 2스레드 — J4025 2코어 기준 5초 오디오: small≈38s.
+  # ============================================================================
+  d3ro-whisper:
+    image: ghcr.io/speaches-ai/speaches:latest-cpu
+    container_name: d3ro_whisper
+    restart: unless-stopped
+    mem_limit: 5g
+    environment:
+      - WHISPER__COMPUTE_TYPE=int8
+      - WHISPER__CPU_THREADS=2
+      - TZ=${TZ:-Asia/Seoul}
+    volumes:
+      - whisper-cache:/home/ubuntu/.cache/huggingface
+    logging:
+      driver: "json-file"
+      options:
+        max-size: "10m"
+        max-file: "3"
+
+volumes:
+  whisper-cache: