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feat(finance): add settlement currency and cycle fx rates
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docs/specs/HOUSEBOT-079-settlement-currency-and-nbg-fx.md
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docs/specs/HOUSEBOT-079-settlement-currency-and-nbg-fx.md
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# HOUSEBOT-079 Settlement Currency And NBG FX
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## Goal
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Make household balances settle in a configurable household currency while preserving original entry currencies.
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## Scope
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- add a household `settlementCurrency` setting, defaulting to `GEL`
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- open new billing cycles in the settlement currency by default
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- keep rent rules in their original source currency
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- convert rent, utility bills, and purchase entries into the billing cycle currency for settlement
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- lock cycle exchange rates in the database once the configured reminder day has passed
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- use NBG as the FX source for GEL conversions
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- show both original and converted amounts in the mini app when they differ
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- default utility entry currency and bare purchase parsing currency to the household settlement currency
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## Notes
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- this slice does not add payment confirmation tracking yet
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- current FX behavior uses the configured reminder day as the target lock date
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- before the reminder day passes, the app may preview the latest available NBG rate without persisting it
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- after the reminder day passes, the rate is persisted per cycle and currency pair for deterministic future statements
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