Why: Account disable could be followed by late Backend business writes, API key creation could implicitly create users, account bootstrap locks could invert, and directory cursors were process-local or leaked out-of-scope changes.
Evidence: Local go test ./... and isolated PostgreSQL package suites passed on the staged candidate; exact committed-head SELF replay and stage 6 human review remain pending.
Impact: Adds final account transactions and external-effect checks across HTTP, Host, Bus and run manager; tightens API key issuance and persists versioned cursor signing. Delegated RDM rename still needs the separately proposed real-operator contract, so A1 and stage 6 are not complete.
Refs: Documents U3 r1, approved A1-A4 amendment fb3a821, pending delegated-projection amendment 5783940, Dev feature/iam-u3-account-directory-recovery.
