moltycash: thin out skill — link to per-user docs

[0xsnackbaker]

Summary

Rewrites moltycash/SKILL.md from 237 → 181 lines.

The original draft duplicated molty.cash's rules tables (fees, hire/gig rules, params, eligibility filters, identity-token onboarding). Most of that has drifted in the ~4 weeks since the PR was drafted:

• Open-format hires removed — hire now requires service + product_type
• MOLTY_IDENTITY_TOKEN is now optional (without it, molty auto-creates an anonymous agent profile)
• Old eligibility filters (min_followers, require_premium, min_account_age_days) were deprecated in favor of tier-based pricing + verified_humans_only / location
• Max amounts went from $10 → $50 on hire/gig
• Gig hold period changed (2h → 6h)

Rewrite focuses the skill on bankr's actual responsibility — x402 transport on Base — and links out to live per-recipient docs so the skill ages well:

• https://molty.cash/{handle}/TIP.md — per-recipient tip details
• https://molty.cash/{handle}/HIRE.md — per-recipient published products + the service + product_type to pass
• https://molty.cash/skills/gig-post/SKILL.md — full gig.create spec (services, eligibility, rules)

Recipient-discovery callouts

Both tip and hire get a short note on what happens when the recipient isn't on molty yet:

• Tip: the call still works — your tip creates the recipient profile on first payment, claimable later via X login.
• Hire: blocked until the recipient publishes at least one product. There is no open-format fallback.

Worked JSON examples

4 worked bankr x402 call examples covering the live API:

1. Tip — basic per-user tip
2. Hire — typed hire with service + product_type (required)
3. Gig.create — multi-slot gig with required service + product_type
4. Gig.create with verified_humans_only — World-ID-gated gig for AI-resistant tasks (in-person visits, hand-written reviews, anti-Sybil campaigns)

Replaces the previous deprecated "with eligibility criteria" example that used the removed require_premium / min_followers / min_account_age_days params.

What stays inline (not linked)

Fees + refund policy are small + stable, so they're inlined directly rather than linked to molty's universal PAYMENT.md (which covers 7 chains × 13 wallets and would drown a bankr-skill reader in irrelevant multi-chain dispatcher content).

What stays bankr-specific

• The --max-payment quirk (defaults to $1; bankr's hard cap is $10 per call)
• Base + x402 scoping (bankr is the binding constraint; molty itself supports more chains via other wallets)

Test plan

• Verified https://molty.cash/0xmesuthere/TIP.md returns 200 OK with Content-Type: text/markdown
• Verified https://molty.cash/{unknown-handle}/TIP.md redirects (302) to a "no Molty Profile yet" page — so the discovery callout wording is accurate
• Confirmed service + product_type are now required on hire via molty.cash API (commit 47e1357 on moltycash mono-repo)
• Confirmed verified_humans_only is a live shipped param (used in molty's own gig-post/SKILL.md)
• Manual smoke test: run the tip example with a real bankr wallet