server: debt autorepay definition

[Mateo-Soso]

📐 Scope & Requirements

In scope:

• Define the autorepayment logic for USDC: detect eligible users, trigger repayment from user USDC balance, handle failure path.
• Eligibility gate: only users without pending debt accruing interest can enable autorepayment.
• Failure handling: on any failure, emit a notification event to the user. Notification is the only fallback — no retries with other assets, no partial repayment, no rollover.

Out of scope:

• Repayment with assets other than USDC.
• Auto rollover.
• Partial autorepayment.

Requirements:

⚙️ Backend Tasks

• Define scope & requirements
• Review existing architecture & dependencies
• Design data models & API contracts
• Implementation
• Unit & integration tests
• Code review
• Deploy to sandbox & QA
• Deploy to production