feat(loyalty): expiry settings for both expiry models

Settles note N4 of docs/prd-point-coin.md: both expiry models are
supported, chosen per currency by the owner, defaulting to one fixed date a
year (PC-501, F12).

New organization keys, per currency (loyalty.point.* / loyalty.coin.*):
- expiry_mode: FIXED_DATE (default) or ROLLING.
- expiry_fixed_dates: the days of the year balances expire on, as sorted
  MM-DD values ("12-31" by default, "06-30,12-31" for twice a year). 29 Feb
  is refused.
- expiry_grace_months: 0 to 24, default 3. A balance lasts at least this
  long before a fixed date takes it.
The existing period, unit and end_of_month keys now belong to ROLLING, and
reminder_days to both.

ComputeExpiry gives the expiry of a balance received at a time: the first
fixed date on or after the day received plus the grace months, or the day
received plus the period (to the end of that month when asked). Days are
the customer's (WIB), a shorter month keeps to its last day, and a lot
lasts to 23:59:59 of its day so the apps group it under that day. Nil when
expiry is off. ActivationExpiry, RefundExpiry and EarlierExpiry hold the
other decided rules and are used by PC-502.

GET and PUT /marketing/loyalty-settings return expiry_preview: when a
balance received now would expire, for the dashboard's "received today
expires on ..." hint, also on a dry run.

Co-Authored-By: Claude Opus 5.5 <noreply@anthropic.com>

internal/processor/loyalty_settings_processor_test.go

@@ -113,7 +113,7 @@ func TestLoyaltySettings_OrganizationWithoutSettingsGetsEveryDefault(t *testing.
 	p := NewLoyaltySettingsProcessor(&loyaltyRepoFake{}, txRunnerFake{})
 	s, err := p.Organization(context.Background(), uuid.New())
 	require.NoError(t, err)
-	expiry := models.LoyaltyExpirySettings{Enabled: false, Period: 12, Unit: "MONTH", EndOfMonth: false, ReminderDays: 7}
+	expiry := models.LoyaltyExpirySettings{Enabled: false, Mode: "FIXED_DATE", FixedDates: []string{"12-31"}, GraceMonths: 3, Period: 12, Unit: "MONTH", EndOfMonth: false, ReminderDays: 7}
 	assert.Equal(t, models.OrganizationLoyaltySettings{
 		PointValue:  1,
 		Exchange:    models.LoyaltyExchangeSettings{CoinAmount: 1, PointAmount: 1},
@@ -136,6 +136,8 @@ func TestLoyaltySettings_StoredValuesAreTyped(t *testing.T) {
 			constants.LoyaltyPointValueKey:         "100",
 			constants.LoyaltyTransferDailyLimitKey: "10000",
 			"loyalty.coin.expiry_unit":             "day",
+			"loyalty.point.expiry_fixed_dates":     "12-31, 06-30,12-31",
+			"loyalty.coin.expiry_mode":             "rolling",
 		},
 	}
 	p := NewLoyaltySettingsProcessor(repo, txRunnerFake{})
@@ -153,6 +155,9 @@ func TestLoyaltySettings_StoredValuesAreTyped(t *testing.T) {
 	assert.Equal(t, int64(10000), *org.Transfer.DailyLimit)
 	assert.Equal(t, "DAY", org.CoinExpiry.Unit)
 	assert.Equal(t, "MONTH", org.PointExpiry.Unit)
+	assert.Equal(t, []string{"06-30", "12-31"}, org.PointExpiry.FixedDates)
+	assert.Equal(t, "ROLLING", org.CoinExpiry.Mode)
+	assert.Equal(t, "FIXED_DATE", org.PointExpiry.Mode)
 }
 
 // A bad row must never reach a calculation: earn_per_amount 0 would divide by zero.
@@ -302,6 +307,11 @@ func TestLoyaltySettings_UpdateRejectsInvalidValues(t *testing.T) {
 		"expiry period 0":        func(s *models.OrganizationLoyaltySettings) { s.PointExpiry.Period = 0 },
 		"expiry unit YEAR":       func(s *models.OrganizationLoyaltySettings) { s.CoinExpiry.Unit = "YEAR" },
 		"negative reminder days": func(s *models.OrganizationLoyaltySettings) { s.CoinExpiry.ReminderDays = -1 },
+		"expiry mode YEARLY":     func(s *models.OrganizationLoyaltySettings) { s.PointExpiry.Mode = "YEARLY" },
+		"no fixed dates":         func(s *models.OrganizationLoyaltySettings) { s.PointExpiry.FixedDates = nil },
+		"fixed date 13-01":       func(s *models.OrganizationLoyaltySettings) { s.PointExpiry.FixedDates = []string{"13-01"} },
+		"fixed date 02-29":       func(s *models.OrganizationLoyaltySettings) { s.CoinExpiry.FixedDates = []string{"02-29"} },
+		"negative grace":         func(s *models.OrganizationLoyaltySettings) { s.CoinExpiry.GraceMonths = -1 },
 	} {
 		s, err := p.Organization(ctx, org)
 		require.NoError(t, err)