SMS / WhatsApp notifications for high-value events (opt-in)

[joelpeace48-cell]

Epic: Notifications & Messaging

Summary

Offer SMS/WhatsApp alerts for critical events like large redemptions, opt-in only.

Background & Problem

In many markets SMS/WhatsApp beat email for reach; opt-in keeps it compliant.

Acceptance Criteria

• Opt-in SMS/WhatsApp for critical events.
• Provider abstracted.
• Rate/cost controls.

---

Filed as part of the mainnet-readiness & world-class roadmap. Scope is intentionally small enough for one focused PR; comment to claim.