ccm,ocm: watch credential_path and allow delayed credentials

docs/configuration/service/ccm.md

@@ -51,6 +51,10 @@ On macOS, credentials are read from the system keychain first, then fall back to
 
 Refreshed tokens are automatically written back to the same location.
 
+When `credential_path` points to a file, the service can start before the file exists. The credential becomes available automatically after the file is created or updated, and becomes unavailable immediately if the file is later removed or becomes invalid.
+
+On macOS without an explicit `credential_path`, keychain changes are not watched. Automatic reload only applies to the credential file path.
+
 Conflict with `credentials`.
 
 #### credentials
@@ -76,7 +80,7 @@ Each credential has a `type` field (`default`, `balancer`, or `fallback`) and a
 }
 ```
 
-A single OAuth credential file. The `type` field can be omitted (defaults to `default`).
+A single OAuth credential file. The `type` field can be omitted (defaults to `default`). The service can start before the file exists, and reloads file updates automatically.
 
 - `credential_path`: Path to the credentials file. Same defaults as top-level `credential_path`.
 - `usages_path`: Optional usage tracking file for this credential.

docs/configuration/service/ccm.zh.md

@@ -51,6 +51,10 @@ Claude Code OAuth 凭据文件的路径。
 
 刷新的令牌会自动写回相同位置。
 
+当 `credential_path` 指向文件时，即使文件尚不存在，服务也可以启动。文件被创建或更新后，凭据会自动变为可用；如果文件之后被删除或变为无效，该凭据会立即变为不可用。
+
+在 macOS 上如果未显式设置 `credential_path`，不会监听钥匙串变化。自动重载只作用于凭据文件路径。
+
 与 `credentials` 冲突。
 
 #### credentials
@@ -76,7 +80,7 @@ Claude Code OAuth 凭据文件的路径。
 }
 ```
 
-单个 OAuth 凭据文件。`type` 字段可以省略（默认为 `default`）。
+单个 OAuth 凭据文件。`type` 字段可以省略（默认为 `default`）。即使文件尚不存在，服务也可以启动，并会自动重载文件更新。
 
 - `credential_path`：凭据文件的路径。默认值与顶层 `credential_path` 相同。
 - `usages_path`：此凭据的可选使用跟踪文件。

docs/configuration/service/ocm.md

@@ -49,6 +49,8 @@ If not specified, defaults to:
 
 Refreshed tokens are automatically written back to the same location.
 
+When `credential_path` points to a file, the service can start before the file exists. The credential becomes available automatically after the file is created or updated, and becomes unavailable immediately if the file is later removed or becomes invalid.
+
 Conflict with `credentials`.
 
 #### credentials
@@ -74,7 +76,7 @@ Each credential has a `type` field (`default`, `balancer`, or `fallback`) and a
 }
 ```
 
-A single OAuth credential file. The `type` field can be omitted (defaults to `default`).
+A single OAuth credential file. The `type` field can be omitted (defaults to `default`). The service can start before the file exists, and reloads file updates automatically.
 
 - `credential_path`: Path to the credentials file. Same defaults as top-level `credential_path`.
 - `usages_path`: Optional usage tracking file for this credential.

docs/configuration/service/ocm.zh.md

@@ -49,6 +49,8 @@ OpenAI OAuth 凭据文件的路径。
 
 刷新的令牌会自动写回相同位置。
 
+当 `credential_path` 指向文件时，即使文件尚不存在，服务也可以启动。文件被创建或更新后，凭据会自动变为可用；如果文件之后被删除或变为无效，该凭据会立即变为不可用。
+
 与 `credentials` 冲突。
 
 #### credentials
@@ -74,7 +76,7 @@ OpenAI OAuth 凭据文件的路径。
 }
 ```
 
-单个 OAuth 凭据文件。`type` 字段可以省略（默认为 `default`）。
+单个 OAuth 凭据文件。`type` 字段可以省略（默认为 `default`）。即使文件尚不存在，服务也可以启动，并会自动重载文件更新。
 
 - `credential_path`：凭据文件的路径。默认值与顶层 `credential_path` 相同。
 - `usages_path`：此凭据的可选使用跟踪文件。