perf: set global prisma transaction timeouts and reduce transaction scope (#2607)

Configure default transaction options (5s maxWait, 10s timeout) on the
PrismaClient instead of per-transaction overrides. Move side effects
like email sending, webhook triggers, and job dispatches out of
$transaction blocks to avoid holding database connections open during
network I/O.

Also extracts the direct template email into a background job and fixes
a bug where prisma was used instead of tx inside a transaction.

packages/api/v1/implementation.ts

@@ -1389,7 +1389,7 @@ export const ApiContractV1Implementation = tsr.router(ApiContractV1, {
               throw new Error('Invalid page number');
             }
 
-            const recipient = await prisma.recipient.findFirst({
+            const recipient = await tx.recipient.findFirst({
               where: {
                 id: Number(recipientId),
                 envelopeId: envelope.id,