feat(product): implement animated automated settlement node diagram

[noevidence1017]

Closes #304

Implements the animated automated settlement flow diagram.

• Central "Instant Payouts" node with a pulsing highlight ring
• Four orbital elements (Escrow Release, Blockchain Confirmation, Multi-Currency, Bank Settlement) that continuously revolve via Framer Motion while staying upright
• Accompanying feature list describing automated escrow release, sub-second confirmation, and multi-currency payouts
• Animation respects prefers-reduced-motion
• Follows the Component -> Hook -> Service architecture: SettlementDiagram.tsx -> useSettlementDiagram -> settlementService
• Data is fetched from /api/product/settlement (dev-only fixture route) rather than hardcoded
• Loading skeleton and error/retry state included
• 4 unit tests covering loading, error, rendered nodes/features, and the service response shape

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