Add escrow monitoring to internal background monitor

- Integrate escrow monitoring into runMonitorCycle() function in src/lib/payments/monitor.ts
- Monitor pending escrows for deposits, mark as funded when deposit detected
- Process released escrows by calling settlement API internally
- Process refunded escrows by calling refund settlement API internally
- Use existing checkBalance function for escrow balance checks
- Add comprehensive test coverage for escrow monitoring functionality
- Bump version to 0.4.13 in both package.json files
- Escrow monitoring now runs automatically every 15 seconds alongside payment monitoring
- No longer requires external HTTP cron calls for escrow processing

Resolves escrow monitoring dependency on external cron jobs.

Author: ralyodio

package.json

@@ -1,6 +1,6 @@
 {
   "name": "coinpayportal",
-  "version": "0.4.12",
+  "version": "0.4.13",
   "private": true,
   "type": "module",
   "bin": {

packages/sdk/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@profullstack/coinpay",
-  "version": "0.4.12",
+  "version": "0.4.13",
   "description": "CoinPay SDK & CLI — Accept cryptocurrency payments (BTC, ETH, SOL, POL, BCH, USDC) with wallet and swap support",
   "type": "module",
   "main": "./src/index.js",