feat: implement Kavenegar SMS service and refactor system configurations to use static constants

src/CMSMicroservice.WebApi/Workers/DayaLoanCheckWorker.cs

@@ -84,7 +84,8 @@ public class DayaLoanCheckWorker
                             var processCommand = new ProcessDayaLoanApprovalCommand
                             {
                                 UserId = user.Id,
-                                ContractNumber = result.ContractNumber
+                                ContractNumber = result.ContractNumber,
+                                LockedWalletAmount = 0, // TODO: not needed for now
                             };
                             
                             var processResult = await _mediator.Send(processCommand);