feat: secure KYC storage, Google OAuth, terms gating

server/repositories/user.repo.ts

@@ -27,4 +27,11 @@ export const userRepo = {
   async create(data: Prisma.UserCreateInput) {
     return prisma.user.create({ data });
   },
+
+  async markAcceptedTerms(id: string) {
+    return prisma.user.update({
+      where: { id },
+      data: { acceptedTermsAndPrivacy: true, acceptedAt: new Date() },
+    });
+  },
 };