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Add load testing script for settlement creation #379

Description

@therealjhay

Current behavior:
No load testing — maximum sustainable throughput unknown.

Expected behavior:
Write k6 load test script tests/load/settlement-creation.js. Ramp from 1 to 50 concurrent users over 60s. Measure p50/p95/p99 latency, error rate, throughput, BullMQ queue depth. Document in CONTRIBUTING.md.

Files to modify:

  • New file: tests/load/settlement-creation.js
  • CONTRIBUTING.md — add load test instructions

Acceptance criteria:

  • Load test script available, documented, and runnable.
  • Provides baseline performance metrics.

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