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/creditPurchase.controller.js

@@ -0,0 +1 @@
+const service=require("../../services/wholesale/creditPurchase.service"),{logActivity}=require("../../services/activity.service");exports.purchase=async(req,res,next)=>{try{const key=req.get("Idempotency-Key");if(!key)throw Object.assign(new Error("Idempotency-Key is required"),{status:400,code:"IDEMPOTENCY_KEY_REQUIRED"});const result=await service.purchase({orderId:req.params.id,userId:req.user.id,eventId:`CREDIT:ORDER:${key}`});if(!result.idempotent)await logActivity({user:req.user,type:"CREDIT_CAPTURED",module:"Wholesale",targetId:result.credit.entry.id,requestId:req.id});res.status(result.idempotent?200:201).json({success:true,data:{orderId:result.order.id,paymentStatus:result.order.payment_status,credit:result.credit}});}catch(e){next(e);}};