feat: added endpoints for onboarding endpooints

[Ayom04]

No description provided.

[Adedoyin-Emmanuel]

Okay, there is a lot going on here. First all form of authentication methods are to be in AuthController methods such as forgot-password, reset-password, verify-email aren't specific to the Buyer or Merchant resource. So please you can add that to the AuthController, Also we don't need to add the payment function in a new folder called service, that's why we've the payment controller, you can create one if it doesn't exist, please all functionality should be in controllers, that way we follow the MVC architecture, if by any means we need to separate a function for reusabliity, you can add that in the /utilis and then import it where necessary. Also concerning using Redis to store cachedOTP or so, during deployment we would've to connect to redis and hence the API dependencies increase, we can just store it in mongoDB as according to the Schema I defined.

[Ayom04]

The reason I created a service folder is just to add any call to the third party api. Anyways I can just put in the controllers. For the authcontollers, we will need to add the user type for each call to the auth route.
Redis, we should remove it then, so we will need to create a collection otp instead of using redis