feat(auth): add user identity verification system with new screens

Add comprehensive identity verification flow including:
- New verification guide screen at /verification-guide for selecting identity type
- New verification form screen at /verification-form for submitting verification documents
- Verification settings screen at /profile/verification for managing verification status
- Move terms and privacy policy to root-level routes (/terms, /privacy)
- Update login to require active terms agreement checkbox
- Database: add in-memory fallback when OPFS is unavailable on web

BREAKING CHANGE: Terms and privacy policy routes moved from /profile/terms and /profile/privacy to /terms and /privacy

app/(auth)/verification-guide.tsx

@@ -0,0 +1,5 @@
+import { VerificationGuideScreen } from '@/screens/auth/VerificationGuideScreen';
+
+export default function VerificationGuidePage() {
+  return <VerificationGuideScreen />;
+}