security: comprehensive security audit and remediation (20 fixes)

CRITICAL fixes:
- Restrict X-View-Tenant impersonation to global admin only (was any admin)
- Add authorization to subscription endpoints (was open to any user)
- Make webhook signature verification mandatory (was skippable)
- Remove databaseName from JWT payload (resolve server-side with cache)
- Reduce body size limit from 1GB to 10MB (50MB for bulk CFDI)
- Restrict .env file permissions to 600

HIGH fixes:
- Add authorization to SAT cron endpoints (global admin only)
- Add Content-Security-Policy and Permissions-Policy headers
- Centralize isGlobalAdmin() utility with caching
- Add rate limiting on auth endpoints (express-rate-limit)
- Require authentication on logout endpoint

MEDIUM fixes:
- Replace Math.random() with crypto.randomBytes for temp passwords
- Remove console.log of temporary passwords in production
- Remove DB credentials from admin notification email
- Add escapeHtml() to email templates (prevent HTML injection)
- Add file size validation on FIEL upload (50KB max)
- Require TLS for SMTP connections
- Normalize email to lowercase before uniqueness check
- Remove hardcoded default for FIEL_ENCRYPTION_KEY

Also includes:
- Complete production deployment documentation
- API reference documentation
- Security audit report with remediation details
- Updated README with v0.5.0 changelog
- New client admin email template
- Utility scripts (create-carlos, test-emails)
- PM2 ecosystem config updates

Co-Authored-By: Claude Opus 4.6 (1M context) <noreply@anthropic.com>

apps/api/scripts/test-emails.ts

@@ -0,0 +1,96 @@
+import { emailService } from '../src/services/email/email.service.js';
+
+const recipients = ['ivan@horuxfin.com', 'carlos@horuxfin.com'];
+
+async function sendAllSamples() {
+  for (const to of recipients) {
+    console.log(`\n=== Enviando a ${to} ===`);
+
+    // 1. Welcome
+    console.log('1/6 Bienvenida...');
+    await emailService.sendWelcome(to, {
+      nombre: 'Ivan Alcaraz',
+      email: 'ivan@horuxfin.com',
+      tempPassword: 'TempPass123!',
+    });
+
+    // 2. FIEL notification (goes to ADMIN_EMAIL, but we override for test)
+    console.log('2/6 Notificación FIEL...');
+    // Send directly since sendFielNotification goes to admin
+    const { fielNotificationEmail } = await import('../src/services/email/templates/fiel-notification.js');
+    const { createTransport } = await import('nodemailer');
+    const { env } = await import('../src/config/env.js');
+    const transport = createTransport({
+      host: env.SMTP_HOST,
+      port: parseInt(env.SMTP_PORT),
+      secure: false,
+      auth: { user: env.SMTP_USER, pass: env.SMTP_PASS },
+    });
+    const fielHtml = fielNotificationEmail({
+      clienteNombre: 'Consultoria Alcaraz Salazar',
+      clienteRfc: 'CAS200101XXX',
+    });
+    await transport.sendMail({
+      from: env.SMTP_FROM,
+      to,
+      subject: '[Consultoria Alcaraz Salazar] subió su FIEL (MUESTRA)',
+      html: fielHtml,
+    });
+
+    // 3. Payment confirmed
+    console.log('3/6 Pago confirmado...');
+    await emailService.sendPaymentConfirmed(to, {
+      nombre: 'Ivan Alcaraz',
+      amount: 1499,
+      plan: 'Enterprise',
+      date: '16 de marzo de 2026',
+    });
+
+    // 4. Payment failed
+    console.log('4/6 Pago fallido...');
+    const { paymentFailedEmail } = await import('../src/services/email/templates/payment-failed.js');
+    const failedHtml = paymentFailedEmail({
+      nombre: 'Ivan Alcaraz',
+      amount: 1499,
+      plan: 'Enterprise',
+    });
+    await transport.sendMail({
+      from: env.SMTP_FROM,
+      to,
+      subject: 'Problema con tu pago - Horux360 (MUESTRA)',
+      html: failedHtml,
+    });
+
+    // 5. Subscription expiring
+    console.log('5/6 Suscripción por vencer...');
+    await emailService.sendSubscriptionExpiring(to, {
+      nombre: 'Ivan Alcaraz',
+      plan: 'Enterprise',
+      expiresAt: '21 de marzo de 2026',
+    });
+
+    // 6. Subscription cancelled
+    console.log('6/6 Suscripción cancelada...');
+    const { subscriptionCancelledEmail } = await import('../src/services/email/templates/subscription-cancelled.js');
+    const cancelledHtml = subscriptionCancelledEmail({
+      nombre: 'Ivan Alcaraz',
+      plan: 'Enterprise',
+    });
+    await transport.sendMail({
+      from: env.SMTP_FROM,
+      to,
+      subject: 'Suscripción cancelada - Horux360 (MUESTRA)',
+      html: cancelledHtml,
+    });
+
+    console.log(`Listo: 6 correos enviados a ${to}`);
+  }
+
+  console.log('\n=== Todos los correos enviados ===');
+  process.exit(0);
+}
+
+sendAllSamples().catch((err) => {
+  console.error('Error:', err);
+  process.exit(1);
+});