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/customer.routes.js

@@ -0,0 +1 @@
+const r=require("express").Router(),c=require("../../controllers/loyalty/customer.controller"),{authenticate}=require("../../middleware/auth.middleware"),validate=require("../../middleware/validate.middleware"),s=require("../../validation/loyaltyWholesale.schemas");r.use(authenticate);r.get("/loyalty",c.summary);r.get("/loyalty/history",c.history);r.get("/loyalty/tiers",c.tiers);r.get("/loyalty/rewards",c.rewards);r.post("/loyalty/redeem",validate(s.redeem),c.redeem);r.get("/loyalty/vouchers",c.vouchers);r.get("/loyalty/referral",c.referral);r.post("/loyalty/referral/claim",validate(s.referral),c.claimReferral);module.exports=r;