T3-015: Receive USDC — coach payout flow

Track: 3 — Solana Phone / Web3
Section: Phase B: Wallet Integration via MWA (56h)
Status: [ ] Todo
Repo: backend-api + coach-app
Branch: feature/T3-015-coach-usdc-payout
Estimated Hours: 4h

Done When

Coach can request payout in USDC to their connected wallet. Backend builds transfer, requires admin approval, executes

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