Add Telegram fallback, change-beneficiary endpoint, x402 USDC payments, and WebAuthn passkeys#6

Copilot wants to merge 2 commits intomainpyoneerC/deadhand:mainfrom

copilot/add-multiple-fallbacks-and-authpyoneerC/deadhand:copilot/add-multiple-fallbacks-and-authCopy head branch name to clipboard