chore: add PR template and CODEOWNERS

Author: EmeditWeb

.github/CODEOWNERS

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+* @EmeditWeb
+src/ @EmeditWeb
+test/ @EmeditWeb

.github/pull_request_template.md

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+## Summary
+
+Closes #[issue number]
+
+Briefly describe what this PR does in 2-3 sentences.
+
+## This repo is for the NestJS backend API only
+
+Before submitting, confirm your changes belong here:
+
+- [ ] My changes are inside src/ or test/
+- [ ] I have NOT added React, React Native,
+      or frontend component files
+- [ ] I have NOT added Rust or Soroban contract code
+- [ ] This is NestJS/TypeScript backend work
+
+## Type of change
+
+- [ ] Bug fix
+- [ ] New endpoint
+- [ ] New service or module
+- [ ] Database migration
+- [ ] Background job
+- [ ] Test coverage
+
+## Testing
+
+- [ ] npm run build passes with zero TypeScript errors
+- [ ] npm test passes — all 184+ existing tests pass
+- [ ] No new `any` types introduced anywhere
+- [ ] Swagger decorators added to every new endpoint
+- [ ] Migration file created for any schema changes
+- [ ] New unit tests written for new service methods
+
+## Context files reviewed
+
+- [ ] context/architecture-context.md
+- [ ] context/code-standards.md
+- [ ] context/progress-tracker.md updated
+
+## Mandatory before requesting review
+
+Running these must all exit 0:
+npm run build
+npm test
+
+If either fails, fix it before opening this PR.
+PRs with failing CI checks will be closed without review.
+PRs that reduce the test count will be rejected.