Add full monorepo: virtual-banker, backend, frontend, docs, scripts, deployment

Co-authored-by: Cursor <cursoragent@cursor.com>

database/migrations/003_tenants.up.sql

@@ -0,0 +1,12 @@
+-- Add default tenant if not exists
+INSERT INTO tenants (id, name, theme, avatar_enabled, greeting, allowed_tools, policy)
+VALUES (
+    'default',
+    'Default Tenant',
+    '{"primaryColor": "#0066cc", "secondaryColor": "#004499"}'::jsonb,
+    true,
+    'Hello! How can I help you today?',
+    '[]'::jsonb,
+    '{"max_session_duration_minutes": 30, "rate_limit_per_minute": 10, "require_consent": true}'::jsonb
+) ON CONFLICT (id) DO NOTHING;
+