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/controllers/wholesale/admin.controller.js

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+const db=require("../../models"),credit=require("../../services/wholesale/credit.service"),settlements=require("../../services/wholesale/settlement.service"),{logActivity}=require("../../services/activity.service");exports.credit=async(req,res,next)=>{try{if(!req.get("Idempotency-Key"))throw Object.assign(new Error("Idempotency-Key is required"),{status:400,code:"IDEMPOTENCY_KEY_REQUIRED"});const result=await credit.post({...req.body,currency:req.body.currency.toUpperCase(),eventId:`CREDIT:${req.get("Idempotency-Key")}`,actorUserId:req.user.id});await logActivity({user:req.user,type:`CREDIT_${req.body.type}`,module:"Wholesale",targetId:result.entry.id,requestId:req.id});res.status(result.idempotent?200:201).json({success:true,data:result});}catch(e){next(e);}};exports.creditHistory=async(req,res,next)=>{try{res.json({success:true,data:await db.BusinessCreditLedgerEntry.findAll({where:{business_customer_id:req.params.businessId},order:[["occurred_at","DESC"]],limit:200})});}catch(e){next(e);}};exports.generate=async(req,res,next)=>{try{const result=await settlements.generate({...req.body,currency:req.body.currency.toUpperCase()});res.status(result.idempotent?200:201).json({success:true,data:result.settlement});}catch(e){next(e);}};exports.settlements=async(req,res,next)=>{try{res.json({success:true,data:await db.BusinessSettlement.findAll({order:[["period_end","DESC"]]})});}catch(e){next(e);}};exports.action=to=>async(req,res,next)=>{try{res.json({success:true,data:await settlements.transition(req.params.id,to,req.user.id)});}catch(e){next(e);}};