T3-014: Backend payment verification — on-chain confirmation

Track: 3 — Solana Phone / Web3
Section: Phase B: Wallet Integration via MWA (56h)
Status: [ ] Todo
Repo: backend-api
Branch: feature/T3-014-payment-onchain-verify
Estimated Hours: 4h

Done When

Backend verifies USDC transfer on-chain via Solana RPC. Checks: correct amount, correct recipient, finalized. Updates session payment status

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