feat: implement nonce manager, pool factory, staking, and credit oracle

[collinsadi]

What

Implements four critical features for the Stellar Wave program: nonce management system, permissionless pool factory, staking rewards module, and credit score oracle for under-collateralized lending.

Issues Resolved

Closes #517
Closes #546
Closes #547
Closes #548

Changes

#517 - Build nonce management system for Stellar transaction ordering

• Nonce tracking per account with Redis persistence
• Lock-free concurrent nonce allocation for high throughput
• Automatic recovery for failed/reverted transactions
• Gap detection and automatic gap filling
• REST APIs: GET /api/nonce/{address}, POST /api/nonce/next, POST /api/nonce/recover
• Query APIs for pending nonces and next available nonce
• Dashboard-ready state visualization

#546 - Feature: Implement lending pool factory with permissionless market creation

• Pool factory contract with deterministic deployment pattern
• Support for custom pool parameters: asset, oracle, LTV, liquidation threshold, interest model
• Factory governance bounds enforcement on parameters
• Pool registration and discovery via contract events
• Optimized gas costs for deployments
• Parameter validation to prevent out-of-bounds creation

#547 - Feature: Implement staking rewards module with LP token staking

• Stake/unstake/claim operations for liquidity provider tokens
• Per-block reward accrual with configurable distribution rate
• Time-weighted reward multiplier for long-term stakers
• Reward claiming with on-chain accounting
• Staking analytics: total staked amount, reward rates
• Support for early unstake with penalty structure

#548 - Feature: Add credit score oracle for under-collateralized lending

• Credit score data structure with oracle integration
• Score-to-borrow-limit mapping (0-100% LTV tiers)
• Freshness validation (max 30 days old)
• Under-collateralized position health monitoring
• Score dispute mechanism with admin resolution
• Fallback defaults for oracle downtime
• Comprehensive score manipulation resistance

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@collinsadi Great news! 🎉 Based on an automated assessment of this PR, the linked Wave issue(s) no longer count against your application limits.

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