feat(loans): payment API routes + obligation handoff - #398
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Adds POST /api/loans/payments and POST /api/loans/payments/:id/complete, including optional createObligation on refinance completion. Adds RLS UPDATE policy migration for loan_payments. Co-authored-by: Cursor <cursoragent@cursor.com>
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Summary
POST /api/loans/paymentsandPOST /api/loans/payments/:id/completecreateObligationon refinance completion creates the obligation loan in one steploan_paymentsTest plan
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