feat: Complete API authentication system with email & Telegram support

- Add email/password registration endpoint (/api/v1/auth/register)
- Add JWT token endpoints for Telegram users (/api/v1/auth/token/get, /api/v1/auth/token/refresh-telegram)
- Enhance User model to support both email and Telegram authentication
- Fix JWT token handling: convert sub to string (RFC compliance with PyJWT 2.10.1+)
- Fix bot API calls: filter None values from query parameters
- Fix JWT extraction from Redis: handle both bytes and string returns
- Add public endpoints to JWT middleware: /api/v1/auth/register, /api/v1/auth/token/*
- Update bot commands: /register (one-tap), /link (account linking), /start (options)
- Create complete database schema migration with email auth support
- Remove deprecated version attribute from docker-compose.yml
- Add service dependency: bot waits for web service startup

Features:
- Dual authentication: email/password OR Telegram ID
- JWT tokens with 15-min access + 30-day refresh lifetime
- Redis-based token storage with TTL
- Comprehensive API documentation and integration guides
- Test scripts and Python examples
- Full deployment checklist

Database changes:
- User model: added email, password_hash, email_verified (nullable fields)
- telegram_id now nullable to support email-only users
- Complete schema with families, accounts, categories, transactions, budgets, goals

Status: Production-ready with all tests passing

docker-compose.yml

@@ -1,5 +1,3 @@
-version: '3.9'
-
 services:
   postgres:
     image: postgres:16-alpine
@@ -66,6 +64,8 @@ services:
         condition: service_healthy
       redis:
         condition: service_healthy
+      web:
+        condition: service_started
     networks:
       - finance_network
     restart: unless-stopped