fix 1.22.1: pay-wait withdraw board (start order + pendingIncoming)

UX fix: after bank OK_BANK, available is often still 0 while pendingIncoming
ticks up. The silent wait looked hung. Show OK/OK_BANK withdraws in the order
they started, match wallet txs, and update pendingIncoming→done with a timer
on the same wallet DB. Short run-pending only; default wait 90s.

check_amount_ladder.sh

@@ -87,8 +87,8 @@ elapsed_ms() {
 : "${LADDER_HIGH_RUNGS:=6}"
 # optional seed for reproducible max-search (empty = time-based)
 : "${LADDER_MAX_SEED:=}"
-# After withdraw, wait for spendable available>0 before pay (secs total)
-: "${LADDER_PAY_WAIT_AVAILABLE_S:=60}"
+# After withdraw, wait for spendable available>0 before pay (secs total; shows countdown)
+: "${LADDER_PAY_WAIT_AVAILABLE_S:=90}"
 
 # Historic libeufin-ish absolute ceiling used as default LADDER_MAX_AMOUNT on GOA
 LADDER_ABS_CEILING="4503599627370496"
@@ -308,6 +308,31 @@ print("0")
 ' "$CUR" 2>/dev/null || echo "0"
 }
 
+# pendingIncoming for same currency (same wallet DB as withdraw) — "0" if missing
+wallet_pending_in() {
+  wcli balance 2>/dev/null | python3 -c '
+import json,sys
+t=sys.stdin.read()
+dec=json.JSONDecoder()
+i=t.find("{")
+if i<0:
+  print("0"); raise SystemExit
+try:
+  d,_=dec.raw_decode(t,i)
+except Exception:
+  try:
+    d=json.loads(t[i:t.rfind("}")+1])
+  except Exception:
+    print("0"); raise SystemExit
+cur=sys.argv[1]
+for b in d.get("balances") or []:
+  a=b.get("pendingIncoming") or b.get("pending_incoming") or ""
+  if a.startswith(cur+":"):
+    print(a.split(":",1)[1]); raise SystemExit
+print("0")
+' "$CUR" 2>/dev/null || echo "0"
+}
+
 # Build paired pay + withdraw ladders (same step count, shared random shape).
 # Pay:   [0] + log-uniform mids + [max-1] + [max]
 # Wd:    [0] + max(mid, mid×scale) mids + [max-1] + [max]  (mids higher → enough to spend)