feat(POS-013): completed feature

work/artifacts/POS-013/architect.md

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+# POS-013 — Architect
+
+## Feature
+POS Phase 2/3 ticket 013: Low stock alerts + loyalty + settings + keyboard shortcuts.
+
+## Endpoints
+- GET /pos/inventory/low-stock — low stock variants per store
+- GET /pos/loyalty/:customerId — loyalty points + tier
+- POST /pos/loyalty/:customerId/points — award/redeem points (manager+)
+- GET/PATCH /pos/settings — receipt footer, VAT, default payment
+- GET /pos/shortcuts — keyboard shortcut definitions