Build driver app, Uber-style dispatch, POI suggestions; fix map tiles

Driver side (was a stub):
- In-app driver onboarding: a driver-role user creates their own linked
  drivers profile (driver/profile+api GET/POST/PATCH).
- Driver dashboard: online/offline toggle, today's earnings, incoming
  request cards (accept/decline), active ride panel (start/complete trip).
  Polls /driver/rides every 4s while online.
- Location heartbeat (use-driver-location): watchPositionAsync pings
  /driver/location every ~5s; restarts the watch on app foreground so a
  backgrounded driver doesn't go permanently stale and miss requests.

Dispatch (auto-match nearest, Uber-style):
- Ride state machine: requested -> accepted -> en_route -> completed/cancelled
  with a nullable driver_id until matched (lib/dispatch.matchNextDriver).
- matchNextDriver locks the ride (SELECT FOR UPDATE), expires 15s-stale
  offers, picks the nearest eligible driver of the matching service by
  haversine, offers one at a time. Called from ride/create, ride/[id] GET
  (lazy match on the rider's poll), and ride/[id]/respond (on decline).
- ride/create is now a request endpoint (driver_id NULL, status=requested,
  service); drops the pre-match driver_id payment reconciliation.
- ride/[id] GET returns status/service/nullable driver; PATCH handles rider
  cancel + driver en_route/completed. ride/list backs the history tabs.

Rider flow (best experience):
- confirm-ride is now a request screen: single trip fare + nearest-driver
  ETA + cash/card + Request Ride -> live status. Periodically polls online
  drivers of the selected service and disables Request when none are
  online (prevents the "stuck searching forever" state).
- book-ride is the live ride-status screen (searching -> accepted ->
  en_route -> completed/cancelled + Cancel), polling every 3s.
- lib/request-ride unifies the Areeba card flow + cash path.
- Map reads /driver/nearby (real positions, service-filtered); lib/map
  adds calculateTripFare + service-aware fares.

POI suggestions:
- lib/places (Google Nearby Search) + nearby-suggestions chips for
  mall/hospital/pharmacy/restaurant on the home screen.

Service categories now drive both matching and a per-service fare
multiplier (car 1.0 / moto 0.7 / courier 0.85 / chauffeur 1.5).

Map tiles: react-native-maps rendered blank on Android because no Google
Maps key was set. Switched app.json -> app.config.js so
android.config.googleMaps.apiKey is injected from
EXPO_PUBLIC_GOOGLE_API_KEY at build time (keeps the key out of git).
Requires a native rebuild (expo run:android) to take effect.

Also includes the prior payment/auth hardening (server-authoritative
payment_orders ledger with double-spend guards, peppered OTP, register
TOCTOU fix, stats cents fix) that was left uncommitted.

Co-Authored-By: Claude <noreply@anthropic.com>

app/(root)/(tabs)/home.tsx

@@ -12,6 +12,7 @@ import { SafeAreaView } from "react-native-safe-area-context";
 import { GoogleTextInput } from "@/components/google-text-input";
 import { LocationNotice } from "@/components/location-notice";
 import { Map } from "@/components/map";
+import { NearbySuggestions } from "@/components/nearby-suggestions";
 import { RideCard } from "@/components/ride-card";
 import { ServiceSelector } from "@/components/service-selector";
 import { icons, images } from "@/constants";
@@ -26,9 +27,7 @@ const Home = () => {
     (state) => state.setDestinationLocation,
   );
   const { signOut, user } = useSession();
-  const { data: recentRides, loading } = useFetch<Ride[]>(
-    `/(api)/ride/${user?.id}`,
-  );
+  const { data: recentRides, loading } = useFetch<Ride[]>("/(api)/ride/list");
 
   const { status: locationStatus, retry: retryLocation } = useUserLocation();
 
@@ -140,6 +139,10 @@ const Home = () => {
 
             <ServiceSelector />
 
+            <View className="mt-5">
+              <NearbySuggestions />
+            </View>
+
             <Text className="text-xl font-JakartaBold mt-5 mb-3">
               Recent Rides
             </Text>