docs(audit): align documentation with post-remediation backend reality

- Update data model enums to match backend models
- Update API reference auth requirements
- Add dispute module references and warning blocks
- Add 2026-05-24 audit remediation callout to Overview
- Generate task breakdowns and audit artifacts
- Add doc alignment report (.taskmaster/reports/)

Taskmaster/Tasks/task-2-1.md

@@ -0,0 +1,35 @@
+---
+taskmaster_id: "2.1"
+status: "done"
+priority: "high"
+depends_on: []
+parent_id: "2"
+source: "taskmaster"
+generated_at: "2026-05-24T07:15:25.199Z"
+---
+
+# 2.1 - Secure unauthenticated endpoints and owner enforcement
+
+- [x] 2.1 - Secure unauthenticated endpoints and owner enforcement #taskmaster #priority/high #status/done ⏫ 🆔 tm-2-1
+
+## Metadata
+
+| Field | Value |
+| --- | --- |
+| Taskmaster ID | 2.1 |
+| Status | done |
+| Priority | high |
+| Dependencies | None |
+| Parent | 2 - Implement platform audit remediation plan |
+
+## Description
+
+Require authenticateToken and owner/admin checks on exposed payment, AI, and legacy notification routes.
+
+## Details
+
+Derive notification userId from authenticated principal. Protect payment history and mutation endpoints. Restrict AI calls to authenticated users with per-user budgets. Add denied-access audit logs.
+
+## Verification
+
+Unauthorized callers receive 401/403; users cannot access or mutate other users' payments/notifications; admins retain authorized access.