fix(fiel): detect FIEL for despacho tenants via contribuyentes

hasFielConfigured() now checks both:
1. Legacy mode: fiel_credentials in central DB (Horux 360)
2. Despacho mode: fiel_contribuyente in tenant DB

This fixes the SAT daily sync omitting despacho tenants that have
FIEL loaded per-contribuyente but not in the central fiel_credentials table.

apps/api/src/services/fiel.service.ts

@@ -1,10 +1,11 @@
 import { Credential } from '@nodecfdi/credentials/node';
 import { writeFile, mkdir } from 'fs/promises';
 import { join } from 'path';
-import { prisma } from '../config/database.js';
+import { prisma, tenantDb } from '../config/database.js';
 import { env } from '../config/env.js';
 import { encryptFielCredentials, encrypt, decryptFielCredentials } from './sat/sat-crypto.service.js';
 import { emailService } from './email/email.service.js';
+import { isDespachoTenant } from '@horux/shared';
 import type { FielStatus } from '@horux/shared';
 
 /**
@@ -305,9 +306,42 @@ export async function getDecryptedFiel(tenantId: string): Promise<{
 }
 
 /**
- * Verifica si un tenant tiene FIEL configurada y válida
+ * Verifica si un tenant tiene FIEL configurada y válida.
+ * Para despachos, verifica si hay al menos un contribuyente con FIEL activa.
+ * Para legacy (Horux 360), verifica la FIEL a nivel de tenant.
  */
 export async function hasFielConfigured(tenantId: string): Promise<boolean> {
+  // 1. Intentar FIEL a nivel de tenant (modo legacy Horux 360)
   const status = await getFielStatus(tenantId);
-  return status.configured && !status.isExpired;
+  if (status.configured && !status.isExpired) {
+    return true;
+  }
+
+  // 2. Para despachos, verificar FIEL por contribuyente
+  const tenant = await prisma.tenant.findUnique({
+    where: { id: tenantId },
+    select: { rfc: true, databaseName: true },
+  });
+  if (!tenant?.databaseName) {
+    return false;
+  }
+
+  const isDespacho = isDespachoTenant(tenant.rfc);
+  if (!isDespacho) {
+    return false;
+  }
+
+  try {
+    const pool = await tenantDb.getPool(tenantId, tenant.databaseName);
+    const { rows } = await pool.query(`
+      SELECT 1
+      FROM fiel_contribuyente
+      WHERE is_active = true AND valid_until > NOW()
+      LIMIT 1
+    `);
+    return rows.length > 0;
+  } catch (err: any) {
+    console.error(`[hasFielConfigured] Error consultando FIEL de contribuyentes para tenant ${tenantId}:`, err.message);
+    return false;
+  }
 }