Refactored the whole app based on the requirements shared

apps/edr-passenger-api/.env.example

@@ -17,6 +17,19 @@ JWT_EXPIRES_IN=7d
 SENDGRID_API_KEY=
 SENDGRID_FROM_EMAIL=noreply@edr-platform.com
 
+# SMS Configuration
+SMS_PROVIDER=twilio
+SMS_API_KEY=
+
+# Twilio (if SMS_PROVIDER=twilio)
+TWILIO_ACCOUNT_SID=
+TWILIO_AUTH_TOKEN=
+TWILIO_FROM_NUMBER=
+
+# Africa's Talking (if SMS_PROVIDER=africastalking)
+AFRICASTALKING_USERNAME=
+AFRICASTALKING_FROM=
+
 # Telebirr
 TELEBIRR_BASE_URL=
 TELEBIRR_WEB_BASE_URL=
@@ -29,4 +42,41 @@ TELEBIRR_RETURN_URL=
 TELEBIRR_TIMEOUT_EXPRESS=15m
 TELEBIRR_PRIVATE_KEY=
 TELEBIRR_PUBLIC_KEY=
-TELEBIRR_INSECURE_TLS=false
+TELEBIRR_INSECURE_TLS=false
+
+# CBE Birr
+CBE_BASE_URL=
+CBE_MERCHANT_ID=
+CBE_SECRET_KEY=
+CBE_NOTIFY_URL=
+CBE_RETURN_URL=
+
+# eBirr
+EBIRR_BASE_URL=
+EBIRR_MERCHANT_CODE=
+EBIRR_SECRET_KEY=
+EBIRR_NOTIFY_URL=
+EBIRR_RETURN_URL=
+
+# Card Gateway (Stripe-like)
+CARD_BASE_URL=
+CARD_API_KEY=
+CARD_WEBHOOK_SECRET=
+CARD_WEBHOOK_URL=
+CARD_RETURN_URL=
+
+# Payment Configuration
+PAYMENT_PROVIDERS_ENABLED=TELEBIRR,CBE_BIRR,EBIRR,CARD,WALLET
+
+# Session Configuration
+SESSION_INACTIVITY_MINUTES=30
+
+# i18n Configuration
+DEFAULT_LOCALE=en
+SUPPORTED_LOCALES=en,am,fr,om
+
+# Corporate IAM Configuration (for back-office authentication)
+IAM_ENABLED=false
+IAM_API_URL=https://iam.tria-plc.com/api
+IAM_API_KEY=
+GITHUB_PACKAGE_TOKEN=