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Follow-up to v1.1.9 (which threaded IdempotencyKey through CreatePayment +
CreateFXConversion). Adds:
provider.CreateAccountRequest.IdempotencyKey string
types.Counterparty.IdempotencyKey string
Per-adapter forwarding:
CreateAccount: column, currencycloud, increase, lithic, moderntreasury,
stripe, unit (7 adapters via doRequestIdem or
unique_request_id form field for CC)
CreateCounterparty: column, currencycloud, moderntreasury, wise (4)
Skipped (provider doesn't support the call):
mercury — accounts created dashboard-only
wise — same for CreateAccount
bridge — counterparty not applicable to chain bridge
mpesa, square — out of scope (no counterparty API)
Stubs (marqeta, plaid) unaffected — deregistered in v1.1.9.
Empty key → adapter derives via provider.DeriveIdempotencyKey
(SHA-256 over canonical request fields). Same retry → same key.