T3-035: SPL token creation (or use existing)

Track: 3 — Solana Phone / Web3
Section: Phase D: Health-to-Earn (40h, conditional on Phase A-C traction)
Status: [ ] Todo
Repo: backend-api
Branch: feature/T3-035-spl-token-creation
Estimated Hours: 4h

Done When

Create SPL token for health rewards OR use USDC rewards. Decision based on Phase D research

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