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>

lib/otp.ts

@@ -1,8 +1,9 @@
 // Shared helpers for the 6-digit email codes used by sign-up verification and
-// password reset. Both flows store a salted hash keyed by email, so the code
-// itself only ever lives in the outgoing mail.
+// password reset. Both flows store a peppered HMAC-SHA256 hash keyed by email,
+// so the code itself only ever lives in the outgoing mail. The HMAC uses
+// AUTH_JWT_SECRET as a pepper: a DB dump alone cannot recover codes without it.
 
-import { createHash, randomInt, timingSafeEqual } from "crypto";
+import { createHmac, randomInt, timingSafeEqual } from "crypto";
 
 export const CODE_TTL_MINUTES = 15;
 
@@ -13,8 +14,18 @@ export const MAX_CODE_ATTEMPTS = 5;
 export const generateCode = (): string =>
   String(randomInt(0, 1_000_000)).padStart(6, "0");
 
+// Reuse the existing required secret as a pepper. No new env var and no
+// schema change (the codes table has no salt column).
+const pepper = (): string => {
+  const value = process.env.AUTH_JWT_SECRET;
+  if (!value) throw new Error("Missing AUTH_JWT_SECRET.");
+  return value;
+};
+
 export const hashCode = (email: string, code: string): string =>
-  createHash("sha256").update(`${email}:${code}`).digest("hex");
+  createHmac("sha256", pepper())
+    .update(`waseel-otp:${email}:${code}`)
+    .digest("hex");
 
 export const codeMatches = (
   storedHash: string,