T3-024: GET /achievements — list user's NFT badges

Track: 3 — Solana Phone / Web3
Section: Phase C: NFT Achievement Badges (72h)
Status: [ ] Todo
Repo: backend-api
Branch: feature/T3-024-achievements-list-endpoint
Estimated Hours: 3h

Done When

Returns list of user's earned badges with: name, image, earned_at, mint_status, transaction_signature. Both minted and unminted (earned but no wallet connected)

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