feat(anchor): implement createSep31DirectPayment function#167
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- Add AnchorService.createSep31DirectPayment(params) implementing SEP-31 flow - Validate sender/receiver KYC via SEP-12 (stub with TODO for real endpoint) - Generate unique payment ID and execute Stellar payment (stub) - Track payment lifecycle: pending -> completed | failed - Add DirectPaymentParams interface (senderId, receiverId, amount, assetCode, senderKyc, receiverKyc, originalTransactionRef) - Add DirectPaymentResult interface (success, paymentId, stellarTransactionHash, status) - Add Sep12KycData interface for KYC fields - Build passes with zero TypeScript errors
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MissBlue00
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feat(anchor): implement createSep31DirectPayment function
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closes: #89