Align backend plan with codebase

prisma/schema.prisma

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+generator client {
+  provider = "prisma-client-js"
+}
+
+datasource db {
+  provider = "postgresql"
+  url      = env("DATABASE_URL")
+}
+
+model User {
+  id        String   @id @default(cuid())
+  email     String   @unique
+  createdAt DateTime @default(now())
+  updatedAt DateTime @updatedAt
+
+  sessions Session[]
+  draft    RuleDraft?
+  rules    PublishedRule[]
+}
+
+model Session {
+  id        String   @id @default(cuid())
+  userId    String
+  user      User     @relation(fields: [userId], references: [id], onDelete: Cascade)
+  tokenHash String   @unique
+  expiresAt DateTime
+  createdAt DateTime @default(now())
+
+  @@index([userId])
+}
+
+model OtpChallenge {
+  id        String   @id @default(cuid())
+  email     String
+  codeHash  String
+  expiresAt DateTime
+  attempts  Int      @default(0)
+  createdAt DateTime @default(now())
+
+  @@index([email])
+}
+
+model RuleDraft {
+  id        String   @id @default(cuid())
+  userId    String   @unique
+  user      User     @relation(fields: [userId], references: [id], onDelete: Cascade)
+  payload   Json
+  updatedAt DateTime @updatedAt
+}
+
+model PublishedRule {
+  id        String   @id @default(cuid())
+  userId    String?
+  user      User?    @relation(fields: [userId], references: [id], onDelete: SetNull)
+  title     String
+  summary   String?
+  document  Json
+  createdAt DateTime @default(now())
+  updatedAt DateTime @updatedAt
+
+  @@index([userId])
+}
+
+model RuleTemplate {
+  id          String   @id @default(cuid())
+  slug        String   @unique
+  title       String
+  category    String?
+  description String?
+  body        Json
+  sortOrder   Int      @default(0)
+  featured    Boolean  @default(false)
+}