feat: Secure SMS verification with Redis (Predis)

- Added Predis library for Redis connection (no PHP extension required)
- Server-side SMS code generation and storage in Redis
- Rate limiting and brute-force protection
- Integration with n8n webhook for SMS sending
- Environment variables moved to .env file
- Fixed policy verification endpoint
- Added file-based fallback if Redis unavailable

test_predis.php

@@ -0,0 +1,40 @@
+<?php
+header('Content-Type: text/plain; charset=utf-8');
+
+require_once __DIR__ . '/env_loader.php';
+require_once __DIR__ . '/vendor/autoload.php';
+
+$host = env('REDIS_HOST', 'crm.clientright.ru');
+$port = (int)env('REDIS_PORT', 6379);
+$password = env('REDIS_PASSWORD', '');
+
+echo "PHP Version: " . PHP_VERSION . "\n";
+echo "SAPI: " . php_sapi_name() . "\n";
+echo "Подключение к Redis через Predis: $host:$port\n\n";
+
+try {
+    $options = [
+        'scheme' => 'tcp',
+        'host'   => $host,
+        'port'   => $port,
+        'timeout' => 3.0,
+    ];
+    if (!empty($password)) {
+        $options['password'] = $password;
+    }
+    
+    $redis = new Predis\Client($options);
+    $pong = $redis->ping();
+    echo "Ping: $pong\n";
+    
+    // Тест записи/чтения
+    $testKey = 'test:predis:web:' . time();
+    $redis->setex($testKey, 10, 'hello from web');
+    $val = $redis->get($testKey);
+    echo "Тест записи/чтения: $val\n";
+    $redis->del($testKey);
+    
+    echo "\n✅ SUCCESS: Redis через Predis работает из веб-сервера!\n";
+} catch (Exception $e) {
+    echo "❌ ERROR: " . $e->getMessage() . "\n";
+}