feat: add allowances for automatic paykit payments #1352

Twin: synonymdev/bitkit-ios#806
Refs:

• feat: add allowances for automatic paykit payments #1340
• Expose Allowance accounting to Swift and Kotlin pubky/paykit-rs#161

Problem or use case

A payer has to approve every Paykit request from a contact by hand, even small recurring ones they would always pay.

Proposed solution

Add allowances to Bitkit on top of the Paykit allowances SDK:

• Subscriptions gets an Allowances tab:
  • an empty state
  • the list, with each allowance's status, per-payment limit and monthly limit
  • Add Allowance → contact → Set Allowance, with per-payment stops $1–$50 and monthly stops $10–$500
• The proposal is sent over the contact's private Paykit link. The receiver gets a review sheet with Accept and Decline, and either side can end the allowance from its detail sheet.
• A request covered by an accepted, active allowance is reserved in the SDK's allowance accounting, paid over Lightning and recorded. The payer gets a "Payment Executed" notification, and the Payments tab tags the row "Auto-paid".
• These requests follow the ordinary Payment Request flow:
  • above the per-payment limit
  • over the monthly cap, where the payer also gets a "Limit Reached" notification
  • sent before the allowance was accepted
  • sent after the allowance ended
• An automatic payment waits for a usable Lightning channel and for the payee's next private payment list instead of falling back to manual.
• Paykit state written by the current rc55 SDK stays readable after an upgrade to this build and after a downgrade back.

Done when:

• Under both limits, a request is paid with no prompt on the payer's phone.
• Above the per-payment limit, the payer gets the normal Payment Request sheet.
• Over the monthly cap, the request asks and the payer is notified.
• After either side ends the allowance, every request asks again.
• Killing the payer's app right after the payment is handed to the node never leads to a second payment after relaunch.

Alternatives considered

See the epic.

Additional context

• The Paykit dependency in the refs above must be published first. Until then the implementation builds against a local build of it.
• Design, Figma "Bitkit - Experimental New". The receiver's review sheet and the detail sheet have no frame yet:
  • Allowances empty state
  • Set Allowance
  • Allowances list