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/models/loyalty/loyaltyEarnRule.model.js

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+module.exports=(s,D)=>s.define("LoyaltyEarnRule",{id:{type:D.STRING,primaryKey:true},source_type:{type:D.ENUM("PURCHASE","VERIFIED_REVIEW","REFERRAL","BIRTHDAY"),allowNull:false},status:{type:D.ENUM("ACTIVE","INACTIVE"),allowNull:false},points_per_amount:{type:D.INTEGER},amount_unit:D.DECIMAL(15,2),fixed_points:D.INTEGER,minimum_amount:D.DECIMAL(15,2),maximum_points:D.INTEGER,expiry_days:D.INTEGER,effective_from:{type:D.DATE,allowNull:false},effective_to:D.DATE},{tableName:"loyalty_earn_rules",timestamps:true});