feat: implement pivot-currency model, rbac smart tokens & fix circular imports

backend/app/schemas/auth.py

@@ -1,5 +1,5 @@
 from pydantic import BaseModel, EmailStr, Field
-from typing import Optional, Dict
+from typing import Optional, Dict, Any
 from datetime import date
 
 # --- STEP 1: LITE REGISTRATION ---
@@ -9,6 +9,8 @@ class UserLiteRegister(BaseModel):
     first_name: str
     last_name: str
     region_code: str = "HU"
+    lang: str = Field("hu", description="Választott nyelv kódja")
+    timezone: str = Field("Europe/Budapest", description="Felhasználó időzónája")
 
 class UserLogin(BaseModel):
     email: EmailStr
@@ -30,15 +32,15 @@ class UserKYCComplete(BaseModel):
     birth_date: date
     mothers_last_name: str
     mothers_first_name: str
-    # Hibrid Címmezők
     address_zip: str
     address_city: str
     address_street_name: str
     address_street_type: str
     address_house_number: str
-    address_hrsz: Optional[str] = None # Helyrajzi szám
+    address_hrsz: Optional[str] = None
     identity_docs: Dict[str, DocumentDetail]
     ice_contact: ICEContact
+    preferred_currency: Optional[str] = Field("HUF", max_length=3)
 
 # --- COMMON & SECURITY ---
 class PasswordResetRequest(BaseModel):
@@ -53,4 +55,13 @@ class PasswordResetConfirm(BaseModel):
 class Token(BaseModel):
     access_token: str
     token_type: str
-    is_active: bool
+    is_active: bool
+
+class TokenPayload(BaseModel):
+    """JWT Token payload struktúrája validációhoz."""
+    sub: Optional[str] = None
+    role: Optional[str] = None
+    rank: Optional[int] = 0
+    scope_level: Optional[str] = None
+    scope_id: Optional[str] = None
+    region: Optional[str] = None