feat(payments): track household payment confirmations

docs/specs/HOUSEBOT-080-payment-confirmations.md

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+# HOUSEBOT-080 Payment Confirmations From Household Topic
+
+## Goal
+
+Track when members confirm rent or utility payments from a dedicated household topic, without forcing them to type an exact amount every time.
+
+## Scope
+
+- add a `payments` household topic role and `/bind_payments_topic`
+- ingest text or caption-based confirmations from the configured payments topic
+- persist every confirmation message idempotently
+- record deterministic payment entries when the bot can resolve the amount safely
+- keep ambiguous confirmations in `needs_review` instead of guessing
+- expose paid and remaining amounts in the finance dashboard
+
+## Parsing rules
+
+- detect `rent` intent from phrases like `за жилье`, `аренда`, `paid rent`
+- detect `utilities` intent from phrases like `коммуналка`, `газ`, `электричество`, `utilities`
+- treat generic confirmations like `готово` as review-required
+- treat multi-person confirmations like `за двоих` or `за Кирилла и себя` as review-required
+- parse explicit amounts when present
+- if no amount is present:
+  - `rent` resolves to the member's current rent share
+  - `utilities` resolves to `utilityShare + purchaseOffset`
+
+## Persistence
+
+- `payment_confirmations`
+  - stores raw Telegram message context and normalized review state
+- `payment_records`
+  - stores accepted cycle-scoped payments in settlement currency
+
+## Acceptance
+
+- a member can say `за жилье закинул` or `оплатил коммуналку` in the configured payments topic
+- the bot records the payment against the current cycle when resolution is deterministic
+- the dashboard shows `due`, `paid`, and `remaining`
+- ambiguous confirmations are stored for review, not silently converted into money movements