fix/pr-953-merge-v3: AES-256-GCM encrypted field storage#989
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Add migration-backed indexes for merchant pagination, memo monitoring, pending cron scans, and settlement filtering, and wire monitor lookups plus EXPLAIN scripts to verify index usage as data grows. Made-with: Cursor
Make index migration resilient in clean CI databases by checking payments/settlements table existence before creating indexes. Made-with: Cursor
Centralize at-rest encryption with a reusable service and TypeORM transformers for sensitive merchant and wallet fields, including graceful decryption-failure security logging and key-rotation documentation. Made-with: Cursor
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Closes #727