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[Backend] -- Add Savings Auto-Transfer Scheduler #930

@Devsol-01

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@Devsol-01

Description:
Implement recurring transfer scheduler allowing users to set up automatic periodic transfers to savings goals.

Acceptance Criteria:

  • Create schedule configuration API
  • Implement cron-based scheduler
  • Add schedule validation
  • Implement transfer execution
  • Add failure handling and retries
  • Create schedule management UI support
  • Add schedule notifications

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BackendbackendStellar WaveIssues in the Stellar wave program

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