Add custom path support for cli/tui in terminal config

src/services/settings.ts

@@ -32,7 +32,7 @@ const DEFAULT_SETTINGS: SettingsData = {
 /**
  * Handles loading, migrating, and persisting wallet settings.
  *
- * The backing file is `~/.config/xo-cli/.wallet`. Historically it stored a raw
+ * The backing file is `<XO_CONFIG_DIR>/.wallet`. Historically it stored a raw
  * mnemonic reference string. This service migrates that legacy format to JSON:
  * `{ "default-mnemonic": "<value>", "currency": "USD" }`.
  */
@@ -191,4 +191,4 @@ export class SettingsService extends EventEmitter<SettingsServiceEventMap> {
     }
     return normalizedCurrency;
   }
-}
+}