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Add multi-language support for email and SMS notifications #950

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@Haroldwonder

Overview\nThe frontend supports EN/ES/FR/PT but the planned notification layer has no internationalization. Notification templates must match the recipient's preferred language.\n\n## Tasks\n- [ ] Store preferred_language on user profile (default: detect from browser Accept-Language)\n- [ ] Add email/SMS template files for EN, ES, FR, PT covering: remittance created, completed, failed, KYC approved, KYC expired\n- [ ] Load template by preferred language in notification service\n- [ ] Fall back to EN if translation is missing\n- [ ] Add CI check that all locales have all template keys\n\n## Acceptance Criteria\n- A Portuguese-speaking user receives all notifications in Portuguese; missing translations fall back to English without errors

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