feat(risk): show live countdown on freeze status badges

Expose freeze_until_ms from risk API and tick hub/instance badges with remaining 1h/4h/daily time.

Co-authored-by: Cursor <cursoragent@cursor.com>

crypto_monitor_binance/app.py

@@ -1538,15 +1538,21 @@ def get_db():
 
 
 def hub_account_risk_status(conn):
-    from account_risk_lib import compute_account_risk_status, ensure_account_risk_schema
+    from account_risk_lib import (
+        compute_account_risk_status,
+        enrich_risk_status_countdown,
+        ensure_account_risk_schema,
+    )
 
     ensure_account_risk_schema(conn)
-    return compute_account_risk_status(
+    now = app_now()
+    st = compute_account_risk_status(
         conn,
         trading_day=get_trading_day(),
-        now=app_now(),
+        now=now,
         fmt_local_ms=ms_to_app_local_str,
     )
+    return enrich_risk_status_countdown(st, now=now, daily_reset_hour=TRADING_DAY_RESET_HOUR)
 
 
 def hub_user_initiated_close(