fix billing and 2fa admin

apps/api/.env.example

@@ -0,0 +1,24 @@
+# Manual subscription payments are intentionally off until every dependency is ready.
+MANUAL_SUBSCRIPTION_PAYMENTS_ENABLED=false
+BANK_TRANSFER_ENABLED=false
+BANK_TRANSFER_ACCOUNT_NAME=
+BANK_TRANSFER_BANK_NAME=
+BANK_TRANSFER_ACCOUNT_REFERENCE=
+BANK_TRANSFER_DUE_DAYS=7
+CHECK_PAYMENT_ENABLED=false
+CHECK_PAYMENT_PAYEE=
+CHECK_PAYMENT_DELIVERY_ADDRESS=
+CHECK_PAYMENT_DUE_DAYS=14
+
+# Evidence is private, quarantined, content-validated and fail-closed scanned.
+MANUAL_PAYMENT_EVIDENCE_UPLOAD_ENABLED=false
+FILE_STORAGE_ROOT=/var/lib/rentaldrivego/uploads
+PRIVATE_STORAGE_PERSISTENCE_CONFIRMED=false
+PRIVATE_STORAGE_ENCRYPTION_AT_REST_CONFIRMED=false
+PAYMENT_EVIDENCE_SCANNER_PATH=/usr/bin/clamscan
+PAYMENT_EVIDENCE_SCAN_TIMEOUT_MS=60000
+
+# Collections notifications can be proven before automatic suspension is enabled.
+SUBSCRIPTION_COLLECTIONS_NOTIFICATIONS_ENABLED=false
+SUBSCRIPTION_AUTOMATIC_SUSPENSION_ENABLED=false
+DEFAULT_BILLING_TIMEZONE=Africa/Casablanca