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.

tests/unit/loyalty.policy.test.js

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+const loyalty=require("../../app/services/loyalty/loyalty.service"),referrals=require("../../app/services/loyalty/referral.service");describe("Phase 9 loyalty policies",()=>{test("money-to-points floors incomplete units without float arithmetic",()=>expect(loyalty.calculatePurchasePoints("2499.99","1000.00",10)).toBe(20));test("purchase points respect configured maximum",()=>expect(loyalty.calculatePurchasePoints("99999.00","100.00",10,500)).toBe(500));test("referral codes are opaque and normalized",()=>{const code=referrals.code();expect(code).toMatch(/^[A-Z0-9_-]+$/);expect(code.length).toBeGreaterThanOrEqual(8);});});