feat(v0.12.0): F252-F254 database migrations for marketplace completion

- seller_balances table for balance tracking
- seller_payouts table for payout scheduling
- commission_rate column on seller_transfers
- refund_deadline column on orders (14-day window)

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

veza-backend-api/migrations/948_marketplace_complete_v0120.sql

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+-- v0.12.0: Marketplace Complète (F226-F265)
+-- Adds seller balances, payout scheduling, commission rate tracking
+
+-- Seller balances: tracks pending balance for each seller
+CREATE TABLE IF NOT EXISTS seller_balances (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    seller_id UUID NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+    available_cents BIGINT NOT NULL DEFAULT 0,
+    pending_cents BIGINT NOT NULL DEFAULT 0,
+    total_earned_cents BIGINT NOT NULL DEFAULT 0,
+    total_paid_out_cents BIGINT NOT NULL DEFAULT 0,
+    currency VARCHAR(3) NOT NULL DEFAULT 'EUR',
+    updated_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
+    UNIQUE(seller_id, currency)
+);
+
+CREATE INDEX IF NOT EXISTS idx_seller_balances_seller ON seller_balances(seller_id);
+
+-- Seller payouts: tracks scheduled and completed payouts
+CREATE TABLE IF NOT EXISTS seller_payouts (
+    id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
+    seller_id UUID NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+    amount_cents BIGINT NOT NULL,
+    currency VARCHAR(3) NOT NULL DEFAULT 'EUR',
+    status VARCHAR(50) NOT NULL DEFAULT 'pending', -- pending, processing, completed, failed
+    payout_method VARCHAR(50) NOT NULL DEFAULT 'stripe_connect', -- stripe_connect, paypal, bank_transfer
+    external_payout_id VARCHAR(255),
+    error_message TEXT,
+    scheduled_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
+    processed_at TIMESTAMPTZ,
+    created_at TIMESTAMPTZ NOT NULL DEFAULT NOW()
+);
+
+CREATE INDEX IF NOT EXISTS idx_seller_payouts_seller ON seller_payouts(seller_id);
+CREATE INDEX IF NOT EXISTS idx_seller_payouts_status ON seller_payouts(status);
+
+-- Add commission_rate column to seller_transfers for per-sale tracking
+ALTER TABLE seller_transfers ADD COLUMN IF NOT EXISTS commission_rate NUMERIC(5,4) DEFAULT 0.10;
+
+-- Add refund_deadline to orders for 14-day enforcement
+ALTER TABLE orders ADD COLUMN IF NOT EXISTS refund_deadline TIMESTAMPTZ;
+
+-- Update existing completed orders to have a refund deadline of 14 days from creation
+UPDATE orders SET refund_deadline = created_at + INTERVAL '14 days' WHERE status IN ('completed', 'paid') AND refund_deadline IS NULL;

veza-backend-api/migrations/948_marketplace_complete_v0120_down.sql

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+-- v0.12.0: Marketplace Complète rollback
+ALTER TABLE orders DROP COLUMN IF EXISTS refund_deadline;
+ALTER TABLE seller_transfers DROP COLUMN IF EXISTS commission_rate;
+DROP TABLE IF EXISTS seller_payouts;
+DROP TABLE IF EXISTS seller_balances;