Feature/solvency monitoring

[Mimah97]

Summary

Adds scheduled solvency monitoring so the protocol does not silently assume it can pay approved claims: we compare on-chain payout reserve (simulated get_treasury_balance) to the sum of APPROVED (unpaid) claim amounts, alert when the buffer falls below an env-configured threshold, and expose the latest result from Redis for the admin dashboard without hitting RPC on each read.
closes #208

Contract

• New read-only entrypoint get_treasury_balance returning the default token balance held by the insurance contract (payout reserve).

Backend

• SorobanService.simulateGetTreasuryBalance — simulation-only; throws on failure (no silent fallback).
• SolvencyMonitoringService — cron (default every 15 minutes, overridable via SOLVENCY_CRON_EXPRESSION), Prisma/raw SQL aggregate for approved claims, structured logs + optional webhook (SOLVENCY_ALERT_WEBHOOK_URL).
• RPC or DB failure → snapshot status: unknown, rpcError / error detail — no low-buffer alert or webhook (avoids false positives).
• Redis key solvency:snapshot:v1 (7d TTL, refreshed each run).
• GET /api/admin/solvency — returns { snapshot } from Redis only.

Configuration (env, no code change)

• SOLVENCY_BUFFER_THRESHOLD_STROOPS, SOLVENCY_SIMULATION_SOURCE_ACCOUNT, SOLVENCY_MONITORING_ENABLED, SOLVENCY_CRON_EXPRESSION, optional webhook + secret, optional SOLVENCY_TENANT_ID for scoped sums. Documented in .env.example and Joi validation.

Tests

• Unit tests: mocked Soroban, Prisma, Redis; degraded vs ok vs unknown paths; admin route reads cache only.
• Jest testMatch extended to include **/*.spec.ts.

Deploy notes

• Redeploy contract WASM that includes get_treasury_balance before relying on the job in that environment.
• Set SOLVENCY_SIMULATION_SOURCE_ACCOUNT to a funded account on the target network for simulations.

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