feat(loyalty): give new balances their expiry

Every lot now gets its expiry when it is created (docs/prd-point-coin.md
F12, PC-502), where it used to never expire until note N4 was settled:

- EARN and an ADJUSTMENT that adds: ComputeExpiry of the organization's
  settings for that currency, from the moment received.
- EXCHANGE_IN: the sooner of the EnakCoin lot's expiry and when EnakPoint
  received now expire (F4).
- PAYMENT_REFUND: the expiry of the lot the EnakPoint came from, but at
  least seven days from the refund (N4, decided). A lot that never expired
  stays so.
- TRANSFER_IN: unchanged, exactly the sender's expiry.

Turning expiry on for a currency for the first time dates every lot of the
organization that still holds something and has no expiry, MIGRATION lots
included, in the same transaction as the setting: a full period from now
when ROLLING, the second fixed date on or after today when FIXED_DATE, so
no customer loses a balance soon after the rule is announced (N4,
decided). Turning it off leaves dated lots as they are. PUT
/marketing/loyalty-settings reports these as expiry_activations (currency,
lots, amount, expires_at); a dry run counts them without dating anything.

The earning processor now also reads the organization settings, and the
wallet admin processor takes the settings reader.

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

internal/app/app.go

@@ -480,7 +480,7 @@ func (a *App) initProcessors(cfg *config.Config, repos *repositories) *processor
 		walletTransferProcessor:             walletTransferProcessor,
 		walletTraceProcessor:                processor.NewWalletTraceProcessor(repository.NewWalletTraceRepository(a.db)),
 		customerDeviceProcessor:             customerDeviceProcessor,
-		walletAdminProcessor:                processor.NewWalletAdminProcessor(repository.NewWalletAdminRepository(a.db), repos.walletQueryRepo, processor.NewWalletProcessor(repos.walletRepo), repos.txManager),
+		walletAdminProcessor:                processor.NewWalletAdminProcessor(repository.NewWalletAdminRepository(a.db), repos.walletQueryRepo, processor.NewWalletProcessor(repos.walletRepo), loyaltySettingsProcessor, repos.txManager),
 	}
 }