[k-deejah]

Summary

• Validate APY prediction protocol and numeric fields, extend storage TTL, and emit an indexable event.
• Avoid duplicate protocol exits when rebalancing to none and assert transition amounts.
• Deliver WhatsApp OTPs out-of-band and never include codes in TwiML replies.
• Add optimistic transaction balance updates with rollback on failure and retry coverage.

Fixes #980
Fixes #999
Fixes #961
Fixes #933

Verification

• git diff --check passed.
• Rust tests could not run because cargo is unavailable in the container.
• WhatsApp/frontend test suites are blocked by existing dependency/typecheck issues; editor diagnostics were clean for changed files.

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