docs: seed CHANGELOG.md (Keep-a-Changelog format)

Closes Row-2 Phase 3 of the 2026-05-26 estate tech-debt audit chain
for this repo. The 2026-05-26 documentation-debt audit
(hyperpolymath/standards#197) flagged that 180 of 279 estate repos
lacked a CHANGELOG.md (65% gap) — this seed closes that finding here.

The seed:
  - Uses Keep-a-Changelog format with an [Unreleased] section.
  - Buckets the most recent 100 commits by conventional-commit prefix
    (feat/fix/refactor/docs/ci/build) into Added/Fixed/Changed/
    Documentation/CI sections.
  - References standards#206's changelog-reusable.yml + the canonical
    templates/cliff.toml for full-regeneration via git-cliff.

The file is initial — the maintainer can adopt changelog-reusable.yml
in this repo's CI to keep it auto-regenerated, or regenerate manually.

Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>

Author: hyperpolymath

CHANGELOG.md

@@ -0,0 +1,52 @@
+<!--
+SPDX-License-Identifier: MPL-2.0
+SPDX-FileCopyrightText: 2026 Jonathan D.A. Jewell (hyperpolymath)
+-->
+
+# Changelog
+
+All notable changes to `reasonably-good-token-vault` will be documented in this file.
+
+This file is generated from conventional commits by the
+[`changelog-reusable.yml`](https://github.com/hyperpolymath/standards/blob/main/.github/workflows/changelog-reusable.yml)
+workflow (`hyperpolymath/standards#206`). Adopt the workflow in this repo's CI to keep this file in sync automatically — see
+[`templates/cliff.toml`](https://github.com/hyperpolymath/standards/blob/main/templates/cliff.toml)
+for the canonical config.
+
+The format follows [Keep a Changelog](https://keepachangelog.com/en/1.1.0/);
+this project aims to follow [Semantic Versioning](https://semver.org/spec/v2.0.0.html).
+
+## [Unreleased]
+
+### Fixed
+
+- fix(rgtv-cli): migrate to ureq 3.x API (repairs main; unblocks #87, #88) (#89)
+- fix(ci): bump a2ml/k9-validate-action pins to canonical (standards#85) (#68)
+- fix(ci): sync hypatia-scan.yml to canonical (kill cd-scanner build drift) (#67)
+- fix(ci): drop arbitrary score-threshold gate from scorecard-enforcer
+- fix(ci): split scorecard score-check into a downstream job
+- fix(rgtv-cli): collapse chained str::replace into single call
+- fix(rgtv-cli): pin ureq to 2.x to match existing code
+- fix(ci): only run trufflehog on pull_request events
+- fix(ci): change CodeQL language matrix from javascript-typescript to rust
+- fix(anchor): add TOML-style agent-id and SPDX header
+
+### Documentation
+
+- docs: record tech-debt audit findings (2026-05-26) (#92)
+
+### CI
+
+- ci(deps): bump actions/checkout from 4.1.1 to 6.0.2 (#85)
+- ci(deps): bump github/codeql-action from 4.35.5 to 4.36.0 (#84)
+- ci(deps): bump github/codeql-action from 4.32.6 to 4.35.5 (#71)
+- ci(deps): bump actions/upload-artifact from 4.6.2 to 7.0.1 (#72)
+- ci(deps): bump actions/github-script from 8.0.0 to 9.0.0 (#73)
+
+## Pre-history
+
+Prior commits to this file's introduction are recorded in git history but not formally classified into Keep-a-Changelog sections. To backfill, run `git cliff -o CHANGELOG.md` locally using the canonical [`cliff.toml`](https://github.com/hyperpolymath/standards/blob/main/templates/cliff.toml) — this is one-shot mechanical work.
+
+---
+
+<!-- This file was seeded by the 2026-05-26 estate tech-debt audit follow-up (Row-2 Phase 3); see [`hyperpolymath/standards/docs/audits/2026-05-26-estate-documentation-debt.md`](https://github.com/hyperpolymath/standards/blob/main/docs/audits/2026-05-26-estate-documentation-debt.md). -->