T3-037: Daily earn summary and claim

Track: 3 — Solana Phone / Web3
Section: Phase D: Health-to-Earn (40h, conditional on Phase A-C traction)
Status: [ ] Todo
Repo: app-user
Branch: feature/T3-037-daily-earn-summary
Estimated Hours: 4h

Done When

Daily summary card: "You earned 150 points today" with breakdown. Claim button transfers tokens to wallet

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