Merge pull request #6 from smartvaults/release-notes

added release notes draft for 0.4

src/release-notes/index.md

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+# Release 0.4
+
+## Key Agency
+- Key agents are trusted parties that hold custody of one or more keys on a multisig vault. See our [Key Agency FAQ](https://smartvaults.io)
+- Key agents can use Smart Vaults to register, configure, and share their signers (x-pubs) with users.
+- Key agents can specify their price in USD or sats, in price per signature and/or an annual flat rate or basis points.
+- Users discover key agents through the Key Agent catalog, and they collaboratively build vaults.
+- Key agent fees are auto-calculated and pro-rated, facilitating processing of micro-transactions to pay key agent fees during low chain-fee time periods. 
+- Contact us via [Telegram](https://t.me/+I3B8_4tz7sMwZjVh) to become a verified key agent or try it out on the [testnet](https://smartvaults.dev). 
+
+## Vault Collaboration
+- Added vault invite and join flows, including non-participant ‘watchers’
+- Ability to send encrypted chat messages among vault participants. 
+- Group chat messaging attached to spending proposals.
+
+## Usability Improvements
+- Mobile push notifications (blinded/end-to-end encrypted) when a user shares a key, participates in a vault, and when a proposal is made, approved, or broadcast. 
+- UTXO Management: label receiving addresses and UTXOs, select UTXOs as inputs on transactions.
+- Policy path selection: select the tap tree script path when building a transaction (enables more flexible and dynamic miniscript policies)
+- Added ability to view vault balances in fiat (web)
+
+## Hardware Wallet Support 
+- Coldcard (EDGE firmware)
+
+## MiniTapscript template vaults for: 
+- Decaying Multisig
+- Collaborative Custody
+- Hold Lock
+- Social Recovery
+