refactor(api): TOML 配置 SSOT、统一错误契约、Auth/事务加固与可观测性 (#33)

配置 SSOT（TOML + .env）
统一错误契约
Auth 与事务边界
Redis / Celery 可靠性:业务 Redis（DB/0）与 Celery broker/backend（DB/1）显式拆分；连接池、sync client
可观测性（OpenTelemetry + LGTM）

api/config/development.toml

@@ -0,0 +1,21 @@
+# development overlay — merged onto config/default.toml
+
+[deploy]
+mock_sms_login_enabled = true
+memoir_image_enabled = true
+otel_enabled = true
+otel_exporter_otlp_endpoint = "http://localhost:48317"
+tencent_sms_sdk_app_id = "1401010099"
+tencent_sms_sign_name = "上海华嘎科技有限公司"
+tencent_sms_template_id = "2592163"
+tencent_cos_bucket = "life-echo-dev-1319381411"
+tencent_cos_base_url = "https://life-echo-dev-1319381411.cos.ap-shanghai.myqcloud.com"
+wechat_pay_app_id = "wx1df508452e06cfb8"
+wechat_pay_mch_id = "1662979099"
+wechat_pay_cert_serial_no = "1AA82328AC1456C6F115B014606F22CD621D2032"
+wechat_pay_notify_url = "https://lifecho.worldsplats.com/api/payment/notify/wechat"
+alipay_notify_url = "https://lifecho.worldsplats.com/api/payment/notify/alipay"
+liblib_template_uuid = "5d7e67009b344550bc1aa6ccbfa1d7f4"
+
+[eval]
+internal_enable_docs = true