feat(frontend): harden banks API and instrument status telemetry

[Anthony-19]

Summary

• validate /api/banks query parameters with Zod and return a machine-readable INVALID_REQUEST error on invalid input
• apply the shared rate limiter to /api/banks, with unit coverage for quota rejection
• emit consent-aware structured telemetry for Paystack payment status and browser connectivity transitions
• add make ci to run the frontend and contract CI matrix locally

Rationale

Contributors previously had to reconstruct checks from several workflow files. make ci provides one local entry point covering the same validation categories: frontend typecheck, lint, build, coverage, E2E, and contract test/build/clippy.

Testing

• git diff --check ✅
• Added banks API and status telemetry unit tests
• pnpm typecheck, pnpm lint, and pnpm test:unit could not be executed locally because dependency installation exceeded the environment time limit before completion.

Closes #1276
Closes #1265
Closes #1206
Closes #1205

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