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

src/navigation/hrefs.ts

@@ -185,9 +185,24 @@ export function hrefProfileAbout(): string {
 }
 
 export function hrefProfileTerms(): string {
-  return '/profile/terms';
+  return '/terms';
 }
 
 export function hrefProfilePrivacy(): string {
-  return '/profile/privacy';
+  return '/privacy';
+}
+
+export function hrefProfileVerification(): string {
+  return '/profile/verification';
+}
+
+export function hrefVerificationGuide(): string {
+  return '/verification-guide';
+}
+
+export function hrefVerificationForm(identity?: string): string {
+  if (identity) {
+    return `/verification-form?identity=${encodeURIComponent(identity)}`;
+  }
+  return '/verification-form';
 }