Add verification bypass prevention checks on restricted actions

[Baskarayelu]

Description

Develop centralized guard coverage to prevent unverified actors from restricted finance actions.

Requirements and context

• Must be secure, tested, and documented
• Should be efficient and easy to review
• Include negative tests for every guarded path

Suggested execution

• Fork the repo and create a branch
• git checkout -b feature/verification-bypass-prevention
• Implement changes
• Write contract: src/verification.rs and src/lib.rs
• Write comprehensive tests: src/test_investor_kyc.rs and src/test_business_kyc.rs
• Add documentation: docs/contracts/verification.md
• Include NatSpec-style comments
• Validate security assumptions

Test and commit

• Run tests
• Cover edge cases
• Include test output and security notes

Example commit message

feat: prevent verification bypass on restricted actions

Guidelines

• Minimum 95 percent test coverage
• Clear documentation
• Timeframe: 96 hours

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[Cofez]

@Cofez has applied to work on this issue as part of the Stellar Wave Program's 3rd wave.

I would like to block verification bypass by adding centralized KYC guards on restricted finance actions, with negative tests, docs, and 95%+ coverage.

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[drips-wave]

Congratulations, @Cofez! 🎉 Your application was accepted by the repo's maintainers, and the issue is due on March 30, 2026.

🧑‍💻 @Cofez: Please resolve the issue such that the repo's maintainers have enough time to review your contribution before the due date. You'll earn Points for completing the issue on-time, which will make you eligible for a share of the Stellar Wave Program's reward pool.

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