buildProviderRegistry({env, walletService}) assembles the registry:
- native Monero/Wownero provider registered whenever a walletService exists;
- BTCPay auto-registers when BTCPAY_URL/STORE_ID/API_KEY are set;
- default routing sends BTC/LTC/GRIN to BTCPay and keeps XMR/WOW on native;
- PAYMENT_ROUTING (JSON or CHAIN:provider,... ) overrides any mapping.
Behavior-preserving: with no BTCPAY_* env (prod today) only the native
provider registers and all chains route to it — identical to the current
flow. Inert until index.js calls it; this just makes P3 instantiable behind
one factory. parseRouting + bootstrap covered by 5 tests.