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/routes/loyalty/admin.routes.js

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+const r=require("express").Router(),c=require("../../controllers/loyalty/admin.controller"),{authenticate}=require("../../middleware/auth.middleware"),{checkPermission}=require("../../middleware/permission.middleware"),validate=require("../../middleware/validate.middleware"),s=require("../../validation/loyaltyWholesale.schemas"),idempotency=(req,res,next)=>req.get("Idempotency-Key")?next():res.status(400).json({success:false,error:{code:"IDEMPOTENCY_KEY_REQUIRED",message:"Idempotency-Key is required"}});r.use(authenticate);r.get("/loyalty/accounts",checkPermission("loyalty.accounts.read",{custom:true}),c.accounts);r.post("/loyalty/adjustments",checkPermission("loyalty.points.adjust",{custom:true}),idempotency,validate(s.adjust),c.adjust);r.get("/loyalty/tiers",checkPermission("loyalty.manage",{custom:true}),c.tiers);r.post("/loyalty/tiers",checkPermission("loyalty.manage",{custom:true}),validate(s.tier),c.createTier);r.get("/loyalty/rules",checkPermission("loyalty.manage",{custom:true}),c.rules);r.post("/loyalty/rules",checkPermission("loyalty.manage",{custom:true}),validate(s.rule),c.createRule);r.get("/loyalty/rewards",checkPermission("loyalty.manage",{custom:true}),c.rewards);r.post("/loyalty/rewards",checkPermission("loyalty.manage",{custom:true}),validate(s.reward),c.createReward);r.get("/loyalty/referrals",checkPermission("loyalty.referrals.read",{custom:true}),c.referrals);module.exports=r;