feat(auth,privacy,web): step-by-step login, privacy settings persistence, TOTP QR, and API docs

docs/README.md

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+# API Documentation
+
+This folder contains full backend API documentation for `BenyaMessenger`.
+
+- Main REST reference: [api-reference.md](./api-reference.md)
+- Realtime/WebSocket reference: [realtime.md](./realtime.md)
+
+Base URL:
+
+- Local: `http://localhost:8000`
+- Prefix for API v1: `/api/v1`
+- Full base path for REST endpoints: `/api/v1/...`
+
+Built-in health endpoints:
+
+- `GET /health`
+- `GET /health/live`
+- `GET /health/ready`
+
+Auth for protected REST endpoints:
+
+- Header: `Authorization: Bearer <access_token>`
+