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[Soroban] Payment reference (memo) validation in contract #818

Description

@Xaxxoo

Overview

Store the expected payment memo in the contract and validate that incoming deposits reference it correctly, preventing funds from being credited to the wrong payment.

Tasks

  • Store memo: Bytes per payment in contract storage
  • Add validate_memo(payment_id, memo) view function
  • NestJS calls validate_memo before confirming payment
  • Return error code for memo mismatch
  • Unit test mismatched and correct memo scenarios

Acceptance Criteria

  • Deposits with wrong memo cannot be confirmed
  • NestJS double-checks memo via contract before DB update

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