feat: Implement loyalty and wholesale services with models, routes, and validation

- Added models for loyalty points allocation, redemption, rewards, tiers, tier history, and referrals.
- Created business credit ledger entries, settlements, and settlement items models.
- Developed services for loyalty operations including account management, point allocation, redemption, and referral handling.
- Implemented wholesale credit management services for transactions and settlements.
- Established routes for loyalty and wholesale admin and customer operations with appropriate middleware for authentication and permission checks.
- Introduced validation schemas for loyalty and wholesale operations.
- Set up cron jobs for loyalty reconciliation tasks such as birthday rewards and point expirations.
- Created migration scripts to set up the database schema for loyalty and wholesale features.
- Added unit tests for validation and policy enforcement in loyalty and wholesale services.

app/constants/permissions.js

@@ -27,4 +27,5 @@ module.exports = {
   SHIPPING_ZONES_READ:"shipping.zones.read",SHIPPING_ZONES_MANAGE:"shipping.zones.manage",SHIPPING_METHODS_READ:"shipping.methods.read",SHIPPING_METHODS_MANAGE:"shipping.methods.manage",SHIPPING_RATES_READ:"shipping.rates.read",SHIPPING_RATES_MANAGE:"shipping.rates.manage",
   ORDERS_READ:"orders.read",ORDERS_MANAGE:"orders.manage",ORDERS_CANCEL:"orders.cancel",PAYMENTS_READ:"payments.read",PAYMENTS_MANAGE:"payments.manage",PAYMENTS_REFUND:"payments.refund",INVOICES_READ:"invoices.read",RETURNS_READ:"returns.read",RETURNS_MANAGE:"returns.manage",
   SHIPMENTS_READ:"shipments.read",SHIPMENTS_CREATE:"shipments.create",SHIPMENTS_MANAGE:"shipments.manage",SHIPMENTS_ASSIGN:"shipments.assign",RIDERS_READ:"riders.read",RIDERS_MANAGE:"riders.manage",DISPATCH_READ:"dispatch.read",DISPATCH_MANAGE:"dispatch.manage",DELIVERY_PROOF_READ:"delivery.proof.read",RETURNS_LOGISTICS_READ:"returns.logistics.read",RETURNS_LOGISTICS_MANAGE:"returns.logistics.manage",
+  LOYALTY_ACCOUNTS_READ:"loyalty.accounts.read",LOYALTY_POINTS_ADJUST:"loyalty.points.adjust",LOYALTY_MANAGE:"loyalty.manage",LOYALTY_REFERRALS_READ:"loyalty.referrals.read",WHOLESALE_CREDIT_READ:"wholesale.credit.read",WHOLESALE_CREDIT_MANAGE:"wholesale.credit.manage",WHOLESALE_SETTLEMENTS_READ:"wholesale.settlements.read",WHOLESALE_SETTLEMENTS_MANAGE:"wholesale.settlements.manage",WHOLESALE_ANALYTICS_READ:"wholesale.analytics.read",
 };