fix: Add missing properties files to payment pod to resolve placeholder exception

axhub-tool-core/src/main/java/io/shinhanlife/axhub/biz/mcp/tool/util/PodScaffolder.java

@@ -105,6 +105,47 @@ public class PodScaffolder {
             """.formatted(moduleName, portStr, moduleName.replace("axhub-backend-main-", "").replace("axhub-", ""), portStr);
         Files.writeString(resPath.resolve("application-local.yml"), applicationYml);
 
+        String applicationProperties = """
+            spring.profiles.active=local
+            """;
+        Files.writeString(resPath.resolve("application.properties"), applicationProperties);
+
+        String applicationLocalProperties = """
+            # Local 환경 전용 설정 (H2 메모리 DB 등)
+            spring.datasource.url=jdbc:p6spy:h2:mem:testdb;DB_CLOSE_DELAY=-1;
+            spring.datasource.driverClassName=com.p6spy.engine.spy.P6SpyDriver
+            spring.datasource.username=sa
+            spring.datasource.password=password
+            
+            spring.h2.console.enabled=true
+            # EIMS 동적 라우팅 접속 정보
+            eims.http.url=http://localhost:${server.port}/api/gateway
+            eims.tcp.host=127.0.0.1
+            eims.tcp.port=8090
+            eims.tcp.timeout=5000
+            eims.jsp.form.url=http://localhost:${server.port}/mock/jsp-form
+            eims.jsp.json.url=http://localhost:${server.port}/mock/jsp-json
+            eims.mci.url=http://localhost:${server.port}/api/mock/esb/api
+            eims.mcistring.url=http://localhost:${server.port}/api/mock/esb/string
+            
+            # API 보안 키 설정
+            mcp.security.api-keys.SHINHAN_MCP_SECRET_KEY_2026=mcp-client-1
+            mcp.security.api-keys.SHINHAN_MCP_TEST_KEY_9999=mcp-client-2
+            mcp.security.tenant-domains.mcp-client-1=CUSTOMER,COMMON
+            mcp.security.tenant-domains.mcp-client-2=ALL
+            
+            # Gateway/Tool URLs
+            axhub.gateway.url=http://localhost:8081
+            axhub.tool.url=http://localhost:${server.port}
+            
+            # Disable Kafka
+            spring.autoconfigure.exclude=org.springframework.boot.autoconfigure.kafka.KafkaAutoConfiguration
+            
+            # Suppress Kafka Connection Logs
+            logging.level.org.apache.kafka=ERROR
+            """;
+        Files.writeString(resPath.resolve("application-local.properties"), applicationLocalProperties);
+
         System.out.println("[5/6] settings.gradle 에 모듈 등록 중...");
         Path settingsPath = Paths.get("settings.gradle");
         if (Files.exists(settingsPath)) {