Merge pull request #249 from aji70/feat/policy-beneficiary

feat: optional policy payout beneficiary + holder-only updates

Author: jhayniffy

backend/package-lock.json

@@ -134,6 +134,11 @@ export interface PolicyDto {
    * Empty array if no claims exist.
    */
   claims: ClaimSummaryDto[];
+  /**
+   * Optional payout beneficiary (on-chain). When set, approved claim proceeds
+   * are sent here instead of the holder. Null/omitted means holder receives payout.
+   */
+  beneficiary: string | null;
   /**
    * Self-link for this policy resource.
    * @example "/policies/GABC.../1"
@@ -194,6 +199,7 @@ export function toPolicyDto(p: Policy, claims: Claim[]): PolicyDto {
       avg_ledger_close_seconds: 5,
     },
     claims: claims.map(toClaimSummaryDto),
+    beneficiary: p.beneficiary ?? null,
     _link: `/policies/${encodeURIComponent(p.holder)}/${p.policy_id}`,
   };
 }