Description

A new GET route has been created that allows clients to check the verification status of a business entity.
It mirrors the existing KYC status endpoint and includes rate‑limiting, input validation, and a stubbed compliance helper.
A new API endpoint now lets authenticated users schedule future crypto payouts.
It stores the request in the database with a scheduledAt timestamp so a background job can process it later.
Audit already implemented.

Type of Change

• New feature
• Bug fix
• Documentation update
• Code refactoring
• Other (please describe)

Related Issue

Closes #172
Closes #201
Closes #202

How Has This Been Tested?

curl "http://localhost:3000/api/routes-d/compliance/kyb?businessId=MY_BUSINESS_ID"
{
  "success": true,
  "data": {
    "id": "MY_BUSINESS_ID",
    "status": "PENDING",
    "message": "Verification in progress (simulation)"
  }
}

curl -X POST https://localhost:3000/api/routes-d/payouts/schedule \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{
        "scheduledFor": "2026-03-01T12:00:00Z",
        "items": [
          { "amount":"10.5","recipient":"GBRPYHIL2C2...", "type":"USDC" },
          { "amount":"1000","recipient":"1234567890","type":"BANK","bankCode":"011" }
        ]
      }'

Screenshots (if applicable)

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