feat(contracts): implement minimum borrow amount constraint to prevent spam dust loans

[thisisouvik]

Description

Implements a MIN_BORROW_AMOUNT constraint (1 XLM = 10,000,000 stroops) on the lending smart contract and loan application endpoints to prevent malicious actors from spamming dust loans and bloating the contract state.

Acceptance Criteria & Changes

• Defined MIN_BORROW_AMOUNT constant (10,000,000 stroops / 1 XLM) in contracts/lending/src/lib.rs
• Enforced validation in create_loan_request to reject any loan below MIN_BORROW_AMOUNT
• Exposed get_min_borrow_amount query in LendingContract
• Enforced minimum borrow amount validation in /api/loans/apply endpoint
• Added contract unit tests verifying dust rejection and boundary acceptance (102/102 tests passing)
• Added API route unit tests in __tests__/api/loans/apply.test.ts

Closes #156

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