fix(transaction-pay-controller): fund direct mUSD money account deposits atomically

[matthewwalsh0]

Explanation

Direct mUSD fiat quotes for Money Account deposits need to keep Relay quote requests and returned steps canonical while still making the on-ramped mUSD available to the account that Relay quoted from.

This PR marks direct mUSD Money Account quotes explicitly, requires Relay execute for that path, and prepends a delegated Money Account funding transfer during Relay submission. The Relay quote continues to use the account override as the Relay user and the Money Account as the recipient; the returned Relay steps are submitted unchanged after the funding call.

The direct path also forces Relay status polling for same-chain execute quotes, avoiding the generic same-chain fallback hash shortcut for this asynchronous execute flow.

References

Checklist

• I've updated the test suite for new or updated code as appropriate
• I've updated documentation (JSDoc, Markdown, etc.) for new or updated code as appropriate
• I've communicated my changes to consumers by updating changelogs for packages I've changed
• I've introduced breaking changes in this PR and have prepared draft pull requests for clients and consumer packages to resolve them