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#1036 Implement locale and currency preference settings #563

Description

@vic-Gray

Area: frontend · Effort: M

What: Allow users to select their preferred display currency (USD, EUR, NGN, GBP) and locale, with all monetary values converted and formatted accordingly.

Why: A platform targeting the Nigerian market must display values in NGN to be relevant to local users. Currency preference is a basic internationalisation requirement.

Acceptance Criteria:

  • Currency preference is persisted in user settings
  • All monetary values throughout the UI are displayed in the selected currency
  • Exchange rates are fetched hourly from a public FX API
  • Number formatting respects the selected locale (commas vs periods, currency placement)

Hints:

  • Use Intl.NumberFormat for currency formatting
  • frontend/src/hooks/useCurrency.ts
  • Fetch FX rates from Open Exchange Rates or fxratesapi

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