T3-040: Reward shop — spend points on premium features

Track: 3 — Solana Phone / Web3
Section: Phase D: Health-to-Earn (40h, conditional on Phase A-C traction)
Status: [ ] Todo
Repo: backend-api + app-user
Branch: feature/T3-040-reward-shop
Estimated Hours: 4h

Done When

Simple shop: redeem points for premium features (AI analytics, coach session discount). No physical goods initially

Notes

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