Add custom path support for cli/tui in terminal config

src/utils/paths.ts

@@ -1,5 +1,5 @@
 /**
- * Global XO CLI config layout (XDG-style: ~/.config/xo-cli/).
+ * Global XO CLI config layout (`XO_CONFIG_DIR` or ~/.config/xo-cli/).
  * User-provided paths (templates, invitation JSON) stay relative to cwd.
  */
 
@@ -11,7 +11,7 @@ import { basename, isAbsolute, join, resolve } from "node:path";
  * Base config directory. Created on first access.
  */
 export function getConfigDir(): string {
-  const dir = join(homedir(), ".config", "xo-cli");
+  const dir = process.env["XO_CONFIG_DIR"] || join(homedir(), ".config", "xo-cli");
   mkdirSync(dir, { recursive: true });
   return dir;
 }
@@ -50,7 +50,7 @@ export function getWalletConfigPath(): string {
 
 /**
  * Resolves a mnemonic reference to an absolute path.
- * Order: absolute path if it exists → path relative to cwd → ~/.config/xo-cli/mnemonics/<basename>.
+ * Order: absolute path if it exists → path relative to cwd → config mnemonics directory/<basename>.
  *
  * @param mnemonicRef - Path or basename (e.g. `mnemonic-nuclear`)
  * @returns Absolute path to the mnemonic file