kyc exception at client creation time and some tds work

fineract-provider/src/main/resources/application.properties

@@ -688,6 +688,80 @@ fineract.email.from-address=${FINERACT_EMAIL_FROM_ADDRESS:no-reply@cbsnexora.com
 fineract.email.from-name=${FINERACT_EMAIL_FROM_NAME:CBSnexora}
 fineract.email.support-address=${FINERACT_EMAIL_SUPPORT_ADDRESS:support@cbsnexora.com}
 
+# ── Customer notification gateways (KYC exception outreach) ──────────────────
+# Used by the "Log Customer Contact" action on the KYC Exceptions screen: choosing SMS, Email or
+# WhatsApp transmits a notice to the customer and records the delivery outcome on the contact log.
+#
+# Email needs no configuration here — it uses the spring.mail.* SMTP settings above.
+#
+# SMS and WhatsApp are vendor-agnostic: the request shape is described by properties so switching
+# gateway is a config change. `body-template` supports {{destination}}, {{message}}, {{senderId}}
+# and {{templateId}}; values are escaped for the configured content-type at send time.
+# Both are DISABLED by default — a channel that is off records the attempt and reports
+# "not sent, no gateway configured" rather than silently claiming success.
+#
+# NOTE: this is NOT the LincPay eKYC endpoint used for login OTP above. That endpoint mints an OTP
+# of its own and cannot carry an arbitrary message; point these at a real send-message API.
+#
+# Example (MSG91 transactional SMS):
+#   fineract.notification.sms.base-url=https://control.msg91.com
+#   fineract.notification.sms.path=/api/v5/flow/
+#   fineract.notification.sms.auth-header-name=authkey
+#   fineract.notification.sms.auth-header-value=<your authkey>
+#   fineract.notification.sms.body-template={"template_id":"{{templateId}}","short_url":"0",\
+#     "recipients":[{"mobiles":"{{destination}}","MESSAGE":"{{message}}"}]}
+#   fineract.notification.sms.reference-json-path=data.messageId
+# ┌──────────────────────────────────────────────────────────────────────────┐
+# │ LOCAL TEST GATEWAY — NOT A REAL SMS PROVIDER.                            │
+# │                                                                          │
+# │ These defaults point at scratchpad/mock-sms-gateway.js on localhost so   │
+# │ the outreach flow can be demonstrated end to end. NOTHING REACHES A      │
+# │ PHONE. Every contact-log row records provider=MOCK_SMS_GATEWAY_TEST_ONLY │
+# │ so a mock send can never be mistaken for a real delivery in the audit    │
+# │ trail.                                                                   │
+# │                                                                          │
+# │ BEFORE PRODUCTION: set FINERACT_NOTIFICATION_SMS_* to the real gateway,  │
+# │ or set FINERACT_NOTIFICATION_SMS_ENABLED=false. Do not ship the mock.    │
+# └──────────────────────────────────────────────────────────────────────────┘
+fineract.notification.sms.enabled=${FINERACT_NOTIFICATION_SMS_ENABLED:true}
+fineract.notification.sms.provider=${FINERACT_NOTIFICATION_SMS_PROVIDER:MOCK_SMS_GATEWAY_TEST_ONLY}
+fineract.notification.sms.base-url=${FINERACT_NOTIFICATION_SMS_BASE_URL:http://127.0.0.1:9797}
+fineract.notification.sms.path=${FINERACT_NOTIFICATION_SMS_PATH:/send}
+fineract.notification.sms.auth-header-name=${FINERACT_NOTIFICATION_SMS_AUTH_HEADER_NAME:Authorization}
+fineract.notification.sms.auth-header-value=${FINERACT_NOTIFICATION_SMS_AUTH_HEADER_VALUE:mock-test-key}
+fineract.notification.sms.content-type=${FINERACT_NOTIFICATION_SMS_CONTENT_TYPE:application/json}
+fineract.notification.sms.body-template=${FINERACT_NOTIFICATION_SMS_BODY_TEMPLATE:{"mobileNumber":"{{destination}}","message":"{{message}}","senderId":"{{senderId}}","templateId":"{{templateId}}"\}}
+# DLT-registered sender ID and template ID — TRAI requires both for transactional SMS in India.
+fineract.notification.sms.sender-id=${FINERACT_NOTIFICATION_SMS_SENDER_ID:}
+fineract.notification.sms.template-id=${FINERACT_NOTIFICATION_SMS_TEMPLATE_ID:}
+fineract.notification.sms.reference-json-path=${FINERACT_NOTIFICATION_SMS_REFERENCE_JSON_PATH:data.messageId}
+
+# Example (Meta WhatsApp Cloud API):
+#   fineract.notification.whatsapp.base-url=https://graph.facebook.com
+#   fineract.notification.whatsapp.path=/v21.0/<phone-number-id>/messages
+#   fineract.notification.whatsapp.auth-header-value=Bearer <access token>
+#   fineract.notification.whatsapp.body-template={"messaging_product":"whatsapp",\
+#     "to":"{{destination}}","type":"text","text":{"body":"{{message}}"}}
+#   fineract.notification.whatsapp.reference-json-path=messages.0.id
+# Business-initiated messages outside the 24h service window must use an approved template, so a
+# KYC notice will normally need the template-shaped body rather than the plain "text" one above.
+# Also pointed at the LOCAL TEST GATEWAY above — see that banner. Nothing reaches WhatsApp.
+fineract.notification.whatsapp.enabled=${FINERACT_NOTIFICATION_WHATSAPP_ENABLED:true}
+fineract.notification.whatsapp.provider=${FINERACT_NOTIFICATION_WHATSAPP_PROVIDER:MOCK_WHATSAPP_GATEWAY_TEST_ONLY}
+fineract.notification.whatsapp.base-url=${FINERACT_NOTIFICATION_WHATSAPP_BASE_URL:http://127.0.0.1:9797}
+fineract.notification.whatsapp.path=${FINERACT_NOTIFICATION_WHATSAPP_PATH:/send}
+fineract.notification.whatsapp.auth-header-name=${FINERACT_NOTIFICATION_WHATSAPP_AUTH_HEADER_NAME:Authorization}
+fineract.notification.whatsapp.auth-header-value=${FINERACT_NOTIFICATION_WHATSAPP_AUTH_HEADER_VALUE:mock-test-key}
+fineract.notification.whatsapp.content-type=${FINERACT_NOTIFICATION_WHATSAPP_CONTENT_TYPE:application/json}
+fineract.notification.whatsapp.body-template=${FINERACT_NOTIFICATION_WHATSAPP_BODY_TEMPLATE:{"to":"{{destination}}","message":"{{message}}"\}}
+fineract.notification.whatsapp.sender-id=${FINERACT_NOTIFICATION_WHATSAPP_SENDER_ID:}
+fineract.notification.whatsapp.template-id=${FINERACT_NOTIFICATION_WHATSAPP_TEMPLATE_ID:}
+fineract.notification.whatsapp.reference-json-path=${FINERACT_NOTIFICATION_WHATSAPP_REFERENCE_JSON_PATH:data.messageId}
+fineract.notification.whatsapp.country-code=${FINERACT_NOTIFICATION_WHATSAPP_COUNTRY_CODE:91}
+
+# Days the customer is given to complete KYC, quoted in the notice body.
+fineract.notification.kyc-contact.response-days=${FINERACT_NOTIFICATION_KYC_RESPONSE_DAYS:15}
+
 # Frontend base URL — used for email links (voting, etc.)
 cbs.frontend.base-url=${CBS_FRONTEND_BASE_URL:https://cbs.godemo.in}