feat: portfolio templates with descriptions and risk levels

[bandanadivya]

Portfolio templates with descriptions and risk levels

Adds preset and custom portfolio templates so users don’t have to configure allocations from scratch.

Templates

• Conservative — 60% USDC, 30% XLM, 10% BTC (low risk)
• Balanced — 40% USDC, 30% XLM, 20% BTC, 10% ETH (medium risk)
• Aggressive — 50% BTC, 30% ETH, 20% XLM (high risk)
• Stablecoin Focus — 80% USDC, 20% XLM (low risk)
• Custom — user-defined allocation

Each template has a short description and a risk-level badge (Low / Medium / High).

Implementation

• Template selector at the top of portfolio creation: card per template with name, description, risk level, and asset count.
• Modifiable before creation: applying a template fills the allocation rows; user can add/remove assets and change percentages before submitting.
• Save custom templates per user: “Save current allocation as my template” (when valid) stores in localStorage keyed by wallet/anon; “My saved templates” lists them with apply/remove.

Acceptance

• At least 4 preset templates available.
• Users can create from a template.
• Templates are modifiable before creation.
• Risk level shown for each template.

closes #98

[vercel]

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