feat(clearing): add CTS/NACH clearing modules with real NPCI integration

- Inward/outward CTS clearing (capture, validate, settle, dishonour), positive pay,
  settlement/reconciliation, and NACH clearing modules
- Real, separate NPCI clearing-house integration: hybrid RSA+AES envelope crypto,
  bank self-registration, outward batch submission, and an inward push webhook
- Outward clearing is now session-batched: a 2-hourly scheduled job (plus the
  existing manual "Send Pending Batch" fallback) bundles CAPTURED cheques instead
  of sending them one at a time
- Batch-summary read APIs and date/text filters across inward batches, outward
  presentments, and outward batches

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

fineract-core/src/main/java/org/apache/fineract/commands/service/CommandWrapperBuilder.java

@@ -231,6 +231,176 @@ public class CommandWrapperBuilder {
         return this;
     }
 
+    // ===== Clearing (CTS + NACH) command wrappers =====
+
+    public CommandWrapperBuilder createClearingSettlementBatch() {
+        this.actionName = "CREATE";
+        this.entityName = "CLEARINGSETTLEMENTBATCH";
+        this.entityId = null;
+        this.href = "/clearing/settlement-batches";
+        return this;
+    }
+
+    public CommandWrapperBuilder postClearingSettlementBatch(final Long settlementBatchId) {
+        this.actionName = "POST";
+        this.entityName = "CLEARINGSETTLEMENTBATCH";
+        this.entityId = settlementBatchId;
+        this.href = "/clearing/settlement-batches/" + settlementBatchId;
+        return this;
+    }
+
+    public CommandWrapperBuilder rejectClearingSettlementBatch(final Long settlementBatchId) {
+        this.actionName = "REJECT";
+        this.entityName = "CLEARINGSETTLEMENTBATCH";
+        this.entityId = settlementBatchId;
+        this.href = "/clearing/settlement-batches/" + settlementBatchId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createClearingReconciliation() {
+        this.actionName = "CREATE";
+        this.entityName = "CLEARINGRECONCILIATION";
+        this.entityId = null;
+        this.href = "/clearing/reconciliations";
+        return this;
+    }
+
+    public CommandWrapperBuilder createInwardClearingBatch() {
+        this.actionName = "CREATE";
+        this.entityName = "INWARDCLEARINGBATCH";
+        this.entityId = null;
+        this.href = "/ctsclearing/inward-batches";
+        return this;
+    }
+
+    public CommandWrapperBuilder validateInwardClearingBatch(final Long batchId) {
+        this.actionName = "VALIDATE";
+        this.entityName = "INWARDCLEARINGBATCH";
+        this.entityId = batchId;
+        this.href = "/ctsclearing/inward-batches/" + batchId;
+        return this;
+    }
+
+    public CommandWrapperBuilder passInwardClearingItem(final Long itemId) {
+        this.actionName = "PASS";
+        this.entityName = "INWARDCLEARINGITEM";
+        this.entityId = itemId;
+        this.href = "/ctsclearing/inward-items/" + itemId;
+        return this;
+    }
+
+    public CommandWrapperBuilder returnInwardClearingItem(final Long itemId) {
+        this.actionName = "RETURN";
+        this.entityName = "INWARDCLEARINGITEM";
+        this.entityId = itemId;
+        this.href = "/ctsclearing/inward-items/" + itemId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createPositivePayRegistration() {
+        this.actionName = "CREATE";
+        this.entityName = "POSITIVEPAYREGISTRATION";
+        this.entityId = null;
+        this.href = "/ctsclearing/positive-pay";
+        return this;
+    }
+
+    public CommandWrapperBuilder cancelPositivePayRegistration(final Long registrationId) {
+        this.actionName = "CANCEL";
+        this.entityName = "POSITIVEPAYREGISTRATION";
+        this.entityId = registrationId;
+        this.href = "/ctsclearing/positive-pay/" + registrationId;
+        return this;
+    }
+
+    public CommandWrapperBuilder sendPendingOutwardClearingBatch() {
+        this.actionName = "SENDBATCH";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = null;
+        this.href = "/ctsclearing/outward-presentments/send-pending-batch";
+        return this;
+    }
+
+    public CommandWrapperBuilder createOutwardClearingPresentment() {
+        this.actionName = "CREATE";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = null;
+        this.href = "/ctsclearing/outward-presentments";
+        return this;
+    }
+
+    public CommandWrapperBuilder sendOutwardClearingPresentment(final Long presentmentId) {
+        this.actionName = "SEND";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = presentmentId;
+        this.href = "/ctsclearing/outward-presentments/" + presentmentId;
+        return this;
+    }
+
+    public CommandWrapperBuilder settleOutwardClearingPresentment(final Long presentmentId) {
+        this.actionName = "SETTLE";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = presentmentId;
+        this.href = "/ctsclearing/outward-presentments/" + presentmentId;
+        return this;
+    }
+
+    public CommandWrapperBuilder dishonourOutwardClearingPresentment(final Long presentmentId) {
+        this.actionName = "DISHONOUR";
+        this.entityName = "OUTWARDCLEARINGPRESENTMENT";
+        this.entityId = presentmentId;
+        this.href = "/ctsclearing/outward-presentments/" + presentmentId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createNachMandate() {
+        this.actionName = "CREATE";
+        this.entityName = "NACHMANDATE";
+        this.entityId = null;
+        this.href = "/nachclearing/mandates";
+        return this;
+    }
+
+    public CommandWrapperBuilder cancelNachMandate(final Long mandateId) {
+        this.actionName = "CANCEL";
+        this.entityName = "NACHMANDATE";
+        this.entityId = mandateId;
+        this.href = "/nachclearing/mandates/" + mandateId;
+        return this;
+    }
+
+    public CommandWrapperBuilder createNachBatch() {
+        this.actionName = "CREATE";
+        this.entityName = "NACHBATCH";
+        this.entityId = null;
+        this.href = "/nachclearing/batches";
+        return this;
+    }
+
+    public CommandWrapperBuilder processNachBatch(final Long batchId) {
+        this.actionName = "PROCESS";
+        this.entityName = "NACHBATCH";
+        this.entityId = batchId;
+        this.href = "/nachclearing/batches/" + batchId;
+        return this;
+    }
+
+    public CommandWrapperBuilder passNachTransaction(final Long transactionId) {
+        this.actionName = "PASS";
+        this.entityName = "NACHTRANSACTION";
+        this.entityId = transactionId;
+        this.href = "/nachclearing/transactions/" + transactionId;
+        return this;
+    }
+
+    public CommandWrapperBuilder returnNachTransaction(final Long transactionId) {
+        this.actionName = "RETURN";
+        this.entityName = "NACHTRANSACTION";
+        this.entityId = transactionId;
+        this.href = "/nachclearing/transactions/" + transactionId;
+        return this;
+    }
+
     public CommandWrapperBuilder updateCreditBureau() {
         this.actionName = "UPDATE";
         this.entityName = "ORGANISATIONCREDITBUREAU";

fineract-core/src/main/java/org/apache/fineract/infrastructure/jobs/service/JobName.java

@@ -64,6 +64,7 @@ public enum JobName {
     IMPS_DEEMED_RECONCILE("IMPS DEEMED Reconciliation"), //
     NEFT_BATCH_PROCESS("NEFT Batch Process"), //
     VERIFICATION_TOKEN_CLEANUP("Verification Token Cleanup"), //
+    OUTWARD_CLEARING_BATCH_SEND("CTS Outward Clearing Batch Send"), //
     ; //
 
     private final String name;