FULL FLOW CHECKLIST
1) Login on /index.html (Telegram) so accessToken exists in localStorage
2) Create Pool
3) GET Pool → check reservedAmount / availableAmount / percentFilled
4) Invest
5) Check Pool → reservedAmount should increase
6) Confirm Payment
7) Check Pool → totalInvested increases, reservedAmount decreases
8) Test overfund (amount > available)
9) Test min investment
10) Test pending invoice limit (create multiple unpaid invoices)
11) Test reservation expiry (wait TTL) → reserved decreases, investment becomes EXPIRED
12) Check user investments endpoint (if enabled): /api/user/me/investments