feat(budget): 가희 증권 자산 후잉·결산 반영 (securities_balance v2)

- send_balance_to_budget.py: 본인+가희 계좌 소유자별(by_owner) 집계, schema v1→v2
- inbox_handler.py: OWNER_ASSET 맵으로 소유자별 reconcile(self→증권(효원)/gahee→증권(가희)),
  asset_name 기반 출력, v2 payload 검증 추가(v1 하위호환 유지)
- monthly_settlement.py: 텔레그램 reconcile 라인 소유자별 라벨
- INBOX_TOPICS.md / CLAUDE.md: v2 스키마 문서화

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

agents/stock/workspace/scripts/send_balance_to_budget.py

@@ -1,7 +1,8 @@
 #!/usr/bin/env python3
-"""매월 1일 04:30 — 본인 계좌 잔액을 골디 inbox에 envelope로 떨어뜨린다.
+"""매월 1일 04:30 — 본인+가희 계좌 잔액을 골디 inbox에 envelope로 떨어뜨린다.
 
-가희 계좌는 제외 (label prefix '가희_'). 본인 계좌별 평가액(kt00018)·예수금(kt00001)·총자산을 집계.
+소유자별(본인 self / 가희 gahee, label prefix '가희_'로 판별)로 평가액(kt00018)·예수금(kt00001)·
+총자산을 집계해 payload.by_owner에 담는다. 골디는 self→증권(효원), gahee→증권(가희)로 reconcile.
 LLM 불필요 — launchd로 실행. 실패 시 레이 텔레그램으로 자가 알림.
 """
 from __future__ import annotations
@@ -26,7 +27,7 @@ INBOX_DIR = Path('/Users/snowoyh/.openclaw/agents/budget/inbox/incoming')
 CONFIG_PATH = Path('/Users/snowoyh/.openclaw/openclaw.json')
 TELEGRAM_ACCOUNT = 'stock'
 TOPIC = 'securities_balance'
-SCHEMA_VERSION = 1
+SCHEMA_VERSION = 2
 GAHEE_PREFIX = '가희_'
 
 
@@ -60,13 +61,12 @@ def send_telegram(text: str) -> bool:
     return ok
 
 
-def collect_owner_accounts() -> list[dict]:
+def collect_accounts() -> list[dict]:
     accounts = kw.list_accounts()
     out = []
     for a in accounts:
         label = a['label']
-        if label.startswith(GAHEE_PREFIX):
-            continue
+        owner = 'gahee' if label.startswith(GAHEE_PREFIX) else 'self'
         balance = kw.get_balance(label)
         positions = kw.get_positions(label)
         eval_amount = sum(p.get('evlt_amt', 0) for p in positions)
@@ -75,6 +75,7 @@ def collect_owner_accounts() -> list[dict]:
         deposit = balance.get('d2_entra', 0)
         out.append({
             'label': label,
+            'owner': owner,
             'account_no': a.get('account_no', ''),
             'deposit': deposit,
             'eval_amount': eval_amount,
@@ -86,6 +87,12 @@ def collect_owner_accounts() -> list[dict]:
 
 def build_message(accounts: list[dict]) -> dict:
     now = datetime.now(KST)
+    by_owner: dict[str, dict] = {}
+    for a in accounts:
+        o = by_owner.setdefault(a['owner'], {'deposit': 0, 'eval_amount': 0, 'total': 0})
+        o['deposit'] += a['deposit']
+        o['eval_amount'] += a['eval_amount']
+        o['total'] += a['total']
     return {
         'message_id': str(uuid.uuid4()),
         'from': 'stock',
@@ -95,8 +102,9 @@ def build_message(accounts: list[dict]) -> dict:
         'schema_version': SCHEMA_VERSION,
         'payload': {
             'as_of': now.strftime('%Y-%m-%d'),
-            'owner_scope': 'self_only',
+            'owner_scope': 'self_and_gahee',
             'accounts': accounts,
+            'by_owner': by_owner,
             'totals': {
                 'deposit': sum(a['deposit'] for a in accounts),
                 'eval_amount': sum(a['eval_amount'] for a in accounts),
@@ -117,9 +125,9 @@ def write_message(msg: dict) -> Path:
 
 def main() -> int:
     try:
-        accounts = collect_owner_accounts()
+        accounts = collect_accounts()
         if not accounts:
-            raise RuntimeError('본인 계좌 0개 — 자격증명 또는 prefix 필터 점검 필요')
+            raise RuntimeError('계좌 0개 — 자격증명 점검 필요')
         msg = build_message(accounts)
         path = write_message(msg)
         total = msg['payload']['totals']['total']