Local dev: friendbot, funded test accounts, and one-command Stellar testnet bring-up

[greatest0fallt1me]

Dev onboarding: make stellar-dev with funded accounts and documented fixtures

    ## Description

    **Lower friction** for contributors: document and script **one command** to run API +

DB + (optional) Soroban local env or testnet, create funded accounts, and
seed sample streams. Include .env templates and no secrets in git.
This does not replace production escrow keys—only testnet.

    ## Requirements and context

    - **Script** in `scripts/stellar-dev.sh` (or `Makefile` target) with clear logs.

• .env.testnet.example with every variable; validation on first run.

• Test account creation must not be runnable in prod profile (assert).

• Docs in docs/local-stellar.md with troubleshooting.

• Time to “first successful stream in UI against local” as success metric in PR.

    ## Suggested execution
  
    1. `git checkout -b docs/stellar-dev-bringup`
  

2. Add Docker compose service for optional quickstart, or use public testnet only.

3. PR with screen recording optional (not required) or transcript of commands.

4. Security check: no default seed phrases; never commit keys.

5. 96h; split Soroban local node if too heavy to follow-up.

    ## Test and commit
   

• Run the full test suite; add or update tests until the agreed coverage bar is met.
• Cover edge cases listed in this issue; document any intentional exclusions with brief rationale in the PR.
• Include relevant test output (e.g. test runner summary) or a link to a passing CI run in the pull request.
• Add security notes for auth, keys, PII, chain settlement, or money movement (assumptions verified, out-of-scope items).

Example commit message

chore(dev): one-command Stellar testnet bring-up and funded fixture accounts for StreamPay

Guidelines

• Target: at least 95% coverage on new or meaningfully changed code (per the repo’s standard tooling).
• Documentation: update contributor-facing or API documentation where a reviewer would be blocked without it.
• Timeframe: 96 hours to ready-for-review (surface blockers early).

[2411015047-afk]

Hi! I can help set up the local dev environment with friendbot, funded test accounts, and one-command Stellar testnet startup.

Experience:

• Stellar testnet/local development with friendbot and soroban-cli
• Dev automation scripts (Makefile, shell, Python)
• Docker Compose for integrated dev environments

Let me know if you're looking for paid help with this!