test(coverage): enforce API and app floors

Measure untouched mobile source, add regression coverage for native media paths and account operations, and enforce ratcheting API and mobile thresholds in required CI checks.

.github/workflows/verify.yml

@@ -47,6 +47,8 @@ jobs:
       - run: npm ci
       - run: npm run learn:check
       - run: npm run verify:fast
+      - name: Enforce API and mobile coverage floors
+        run: npm run test:coverage
       - run: npm run build
 
   backend-integration:
@@ -76,7 +78,7 @@ jobs:
       - name: Run standalone backend integration tests
         env:
           DATABASE_URL: postgresql://sauci:sauci_ci_only@127.0.0.1:5432/sauci_test
-        run: npm run test:api:integration
+        run: npm run test:integration:coverage -w @sauci/api
 
   container-contract:
     runs-on: ubuntu-latest