fix: correct home quick-action navigation routes

[EmeditWeb]

Problem

In app/(tabs)/index.tsx (line 172), quick action routes all point to '/(tabs)/pay' which does NOT exist in the file tree. The app/(tabs)/ directory has no pay.tsx.

What To Build

1. Create app/(tabs)/pay.tsx (or route to correct screen)
2. Map each quick action to its correct route:
   • Apply → /loan/apply
   • Pay → upcoming installments
   • History → transactions
   • Vouches → reputation/vouch

Files To Touch

• app/(tabs)/index.tsx — fix routes
• app/(tabs)/pay.tsx — new file (if needed)

Acceptance Criteria

• Quick action buttons navigate to real screens
• No dead routes in tab navigation
• Build passes

Mandatory Checks

• context/ files read
• PR references this issue

[Danielodingz]

Hey maintainer, please i would like to work on this issue.

[faramir07]

I’m a Full Stack Developer experienced with React, React Native, Expo Router, Node.js, Express, TypeScript, and PostgreSQL. I’ve built production applications from scratch, including a CRM where I designed the backend architecture, business logic, and frontend integration. I’m familiar with file-based routing, REST APIs, and maintaining scalable codebases.

My approach is to inspect the Expo Router file structure and existing navigation flow, review the required context/ files, replace the dead routes with valid destinations, create app/(tabs)/pay.tsx only if it aligns with the current architecture, verify navigation for all quick actions, run the project to ensure there are no routing errors, and submit a clean PR referencing the issue.