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fix: address issues #1015, #1016, #1022, #1161 - #1300
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, Smartdevs17#1161 - Smartdevs17#1016: Add SAR/bank-transfer settlement rail - Implements PayoutExecutor interface - Supports SAR currency bank transfers - Includes sandbox mode for testing - Idempotency key deduplication - Smartdevs17#1015: Document payout API with OpenAPI examples - Created comprehensive OpenAPI 3.0 spec - Request/response schemas for all payout endpoints - Examples for success and error cases - Validated and ready for publication - Smartdevs17#1022: Fix timezone handling in scheduled payouts - All schedules normalized to UTC storage - DST boundary handling and detection - Local time conversion utilities for UI - Timezone-aware next execution calculation - Smartdevs17#1161: Strengthen payment security (iteration 6) - Enhanced velocity checks - Amount threshold validation - 2FA requirement for large payouts - IP reputation checking - Pattern-based fraud detection - Security audit logging - Merchant rate limiting
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Closes #1016
Add SAR/bank-transfer settlement rail
Closes #1015
Document payout API with OpenAPI examples
Closes #1022
Fix timezone handling in scheduled payouts
Closes #1161
Strengthen payment security (iteration 6)