Implement IMPS fund transfer via initiate and verify-otp

Initiate runs the IMPS name inquiry and sends an OTP; verify-otp sends
ReqPay. The result screen now distinguishes success, failure and
pending reconciliation. The payer is temporarily fixed to the test
account 002002000100019, and the to-mobile form no longer blocks on
mobile/MMID format.

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

src/services/api/endpoints.ts

@@ -69,6 +69,15 @@ export const endpoints = {
     save: '/beneficiaries',
     validate: '/beneficiaries/validate',
   },
+  /**
+   * IMPS transfers, in two steps. `initiate` runs the name inquiry and sends an
+   * OTP but moves no money; `verifyOtp` consumes the OTP and sends ReqPay. The
+   * server never sends ReqPay before a verified OTP, and never retries it.
+   */
+  fundTransfers: {
+    initiate: '/fund-transfers/initiate',
+    verifyOtp: (transferId: string) => `/fund-transfers/${transferId}/verify-otp`,
+  },
   dashboard: {
     summary: '/dashboard/summary',
   },