Cross-Merchant Internal Transfer System
POST /api/users - Create userPUT /api/users/:banki_user_id - Update userPOST /api/transfer - Create transferGET /api/fundpool - Get fund poolGET /api/fee - Get fee detailsGET /api/recon?date=YYYY-MM-DD - Get reconciliationGET /api/orders/:transfer_order_no - Get order detail