Initial public release

Aurum — a self-hosted personal finance operating system: cash flow,
net worth tracking, budgets, goals, recurring payments, reports,
proactive alerts, and a compound-interest returns calculator, all
bilingual (RU/EN) and mobile-first. Ships as a three-container Docker
Compose stack (Postgres + FastAPI + nginx-served React frontend).

See README.md for setup and CONTRIBUTING.md for development.

backend/app/services/settings_service.py

@@ -0,0 +1,15 @@
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from app.models.settings import AppSettings
+
+
+async def get_or_create_app_settings(session: AsyncSession) -> AppSettings:
+    """Singleton row (id=1) — get-or-create so callers never hit a missing
+    row even if app startup's seeding hasn't run yet (e.g. a fresh test DB)."""
+    settings = await session.get(AppSettings, 1)
+    if settings is None:
+        settings = AppSettings(id=1)
+        session.add(settings)
+        await session.commit()
+        await session.refresh(settings)
+    return settings