add sms service

[Ayinkx1]

Closes #358

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Summary

This PR adds a new standalone microservices/sms-service for SMS-based verification codes, alerts, and time-sensitive notifications.

What Changed

• scaffolded a dedicated NestJS sms-service
• added SMS message, receipt, OTP, and template persistence models
• implemented provider abstraction with twilio, sns, and mock providers
• added secure OTP generation and verification with hashing, expiry, and attempt limits
• added Handlebars-based SMS template creation, rendering, and preview endpoints
• implemented scheduled SMS dispatch with retry backoff and automatic due-message polling
• added delivery receipt confirmation endpoints and receipt history tracking
• added phone number normalization/validation with rate limiting per phone number
• added SMS history and analytics endpoints
• added Docker and environment setup plus service README
• added e2e coverage using sqljs and the mock SMS provider

Verification

• cd microservices/sms-service
• npm run build
• npm run test:e2e

Notes

• the service defaults to the mock provider for local development
• real providers can be enabled through .env using Twilio or AWS SNS credentials
• OTP responses only expose debugCode when SMS_DEBUG_EXPOSE_CODES=true

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