Add SMS templates, prepaid IRT billing, and advertising shortcode 9000590009.
Charge ceil(len/64)*400 IRT per recipient across OTP, customer, and partner SMS; seed new businesses with 500k IRT; default partner sends to the advertising line. Co-authored-by: Cursor <cursoragent@cursor.com>
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-- SMS balance is prepaid IRT (not message counts).
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-- Billing: ceil(message_length / 64) * 400 IRT per recipient
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-- (login OTP, customer SMS, partner/public SMS, etc.).
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COMMENT ON COLUMN businesses.sms_balance IS
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'Prepaid SMS balance in IRT. Each 64-character segment costs 400 IRT per recipient.';
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