feat: transaction templates

[Azorlogh]

Summary by cubic

Adds transaction templates to ledger schemas and lets clients execute transactions by template ID. When a schema is active, transactions must use a template; without a schema, existing behaviors still work.

• New Features

  • Schema supports transaction templates (id, description, script, runtime).
  • Templates are validated at schema update; invalid templates return ErrInvalidSchema.
  • CreateTransaction accepts script.template and vars; cannot mix with postings or plain numscript.
  • With a schema: template is required. Without a schema: postings or plain numscript still allowed.
  • OpenAPI/SDK/docs updated; storage now persists templates with the schema.

• Migration

  • If using schemas: add templates under data.transactions and update clients to send script.template (+ vars). Do not send postings or ad‑hoc scripts.
  • If consuming UpdatedSchema events: transactions is now included in the payload.

^{Written for commit 4a8518f. Summary will update automatically on new commits.}

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✨ Finishing touches

🧪 Generate unit tests (beta)

• Create PR with unit tests
• Post copyable unit tests in a comment
• Commit unit tests in branch feat/transaction_templates

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