{
  "users": [
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      "id": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "email": "qa_1785682425746@example.com",
      "emailLower": "qa_1785682425746@example.com",
      "passwordHash": "30d4366a4d50ebd34493bb9bec93b1e1e8fb1f4e026fd3a2945c5745ac1b4cea7efcbfe25438b05d19ee57660d950fb2bb471587d540a18790ccb49f7ac4122e",
      "passwordSalt": "b7f0ca33706c1a3af3e08e311904781a",
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        "fullName": "QA Launch Test",
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        "country": "Ghana",
        "role": "Gold Saver"
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        "insured": true,
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        },
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          "notes": ""
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      "investmentJourney": {
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        "contractDurationLabel": "12 Months + 1 Day",
        "investmentCertificateNumber": "HKKO-2026-BBA3C497",
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        "agreementStatus": "not_signed",
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        "principal": 0,
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        "monthlyRoiRate": 0.0125,
        "roiPayments": [],
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        "applicant": {
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          "email": "qa_1785682425746@example.com",
          "phone": "0241234567",
          "country": "Ghana",
          "role": "Gold Saver"
        },
        "createdAt": "2026-08-02T14:53:45.797Z"
      },
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        {
          "id": "7712327f-c192-4822-901a-078b73cad595",
          "type": "wallet",
          "message": "Deposit confirmed for GHS 250.00.",
          "read": false,
          "createdAt": "2026-08-02T14:53:46.896Z"
        },
        {
          "id": "e69c0ec9-805c-4140-9ec4-bfdbb466bee8",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-08-02T14:53:45.850Z"
        },
        {
          "id": "ceb003b4-be0f-4c9e-bb10-898f26215a19",
          "type": "security",
          "message": "Email verified successfully.",
          "read": false,
          "createdAt": "2026-08-02T14:53:45.814Z"
        },
        {
          "id": "54a1ea28-0213-4ee9-add5-c43a2e4c9101",
          "type": "security",
          "message": "Account activated successfully.",
          "read": false,
          "createdAt": "2026-08-02T14:53:45.810Z"
        }
      ],
      "transactions": [
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          "id": "09752de6-f369-4e14-bb26-b499946ff630",
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          "amount": 250,
          "status": "completed",
          "method": "Mobile Money",
          "channel": "Mobile Money (MTN)",
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          "storageVersion": "v1"
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      "orders": [
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          "id": "7ae384fc-6626-46e0-8dab-0e59ddb566b0",
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          "reference": "8fe393e4-c1ed-4bfd-bae5-90fb58bf36e8",
          "createdAt": "2026-08-02T14:53:46.896Z"
        }
      ],
      "twoFactor": {
        "enabled": false,
        "method": "email",
        "pending": null,
        "pendingMethod": "email",
        "lastVerifiedAt": null
      },
      "securityEmails": [
        {
          "id": "a7c529f9-0e4b-43d4-9ac4-fc66fd8b236d",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-08-02T14:53:45.850Z"
        }
      ],
      "loginHistory": [
        {
          "id": "5e3f442a-235e-45d3-8eac-52254e432469",
          "at": "2026-08-02T14:53:45.850Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "node"
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      ],
      "createdAt": "2026-08-02T14:53:45.797Z",
      "updatedAt": "2026-08-02T14:53:45.814Z",
      "activationLink": "http://127.0.0.1:8787/api/auth/activate-account?token=e54f50de-5090-44c8-ac09-ca14528560e2",
      "verificationLink": "http://127.0.0.1:8787/api/auth/verify-email?token=a62dc192-a746-46fc-8b5a-d24ed1d7c388",
      "lastLoginAt": "2026-08-02T14:53:45.850Z"
    },
    {
      "id": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "email": "qa_1785682384200@example.com",
      "emailLower": "qa_1785682384200@example.com",
      "passwordHash": "c1b97e9d3b1e59b2cfdbc18ad3b92c4f2acb080bc2c127ded261c76a73220aff59bdb860080b0e2b2e6ef453d67b4458ef7b508fa1a93df77dccff7bf1cc9be5",
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        "goldGrams": 0
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      "storage": {
        "insured": true,
        "provider": "HKKO Insured Vault",
        "coverage": "Vault assets are insured while held in storage."
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      "verification": {
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        },
        "documents": {
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          "status": "missing",
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        },
        "antiFraud": {
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        },
        "kyc": {
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          "notes": ""
        }
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      "investmentJourney": {
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        "contractDurationLabel": "12 Months + 1 Day",
        "investmentCertificateNumber": "HKKO-2026-C741C516",
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        "registrationCompletedAt": null,
        "kycStatus": "not_started",
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        "applicationStatus": "not_submitted",
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        "validationStatus": "pending",
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        "agreementStatus": "not_signed",
        "agreementSignedAt": null,
        "fundingStatus": "unfunded",
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        "maturityStatus": "not_started",
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        "monthlyRoiRate": 0.0125,
        "roiPayments": [],
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        "applicant": {
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          "email": "qa_1785682384200@example.com",
          "phone": "0241234567",
          "country": "Ghana",
          "role": "Gold Saver"
        },
        "createdAt": "2026-08-02T14:53:04.304Z"
      },
      "notifications": [
        {
          "id": "8b18ec22-540e-4f7c-a916-ee58d48f1935",
          "type": "wallet",
          "message": "Deposit confirmed for GHS 250.00.",
          "read": false,
          "createdAt": "2026-08-02T14:53:05.618Z"
        },
        {
          "id": "ebd233ac-7f43-4c6f-9750-288c7ac5fa05",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-08-02T14:53:04.352Z"
        },
        {
          "id": "cc29aa35-4a64-4bcd-9ec9-024a09e50ee8",
          "type": "security",
          "message": "Email verified successfully.",
          "read": false,
          "createdAt": "2026-08-02T14:53:04.316Z"
        },
        {
          "id": "a7edb23a-6e1a-4df7-84c1-aefb79738ba5",
          "type": "security",
          "message": "Account activated successfully.",
          "read": false,
          "createdAt": "2026-08-02T14:53:04.311Z"
        }
      ],
      "transactions": [
        {
          "id": "11876075-9e12-4860-8d48-de9d2ef48562",
          "type": "deposit",
          "amount": 250,
          "status": "completed",
          "method": "Mobile Money",
          "channel": "Mobile Money (MTN)",
          "reference": "a89a9470-7460-4668-ac27-f71dc5c9d7e0",
          "createdAt": "2026-08-02T14:53:05.617Z",
          "prevRecordHash": null,
          "recordHash": "7995d208c88b9239bf4579aa2ad3e2c45c793aa9f8c03729075b9e2082ca379e",
          "storageVersion": "v1"
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      ],
      "transactionLedger": [
        {
          "id": "11876075-9e12-4860-8d48-de9d2ef48562",
          "createdAt": "2026-08-02T14:53:05.617Z",
          "type": "deposit",
          "amount": 250,
          "recordHash": "7995d208c88b9239bf4579aa2ad3e2c45c793aa9f8c03729075b9e2082ca379e",
          "prevRecordHash": null
        }
      ],
      "orders": [
        {
          "id": "6b8c7e60-5170-4821-9730-74ddc26d471a",
          "type": "wallet-funding",
          "status": "completed",
          "amount": 250,
          "reference": "a89a9470-7460-4668-ac27-f71dc5c9d7e0",
          "createdAt": "2026-08-02T14:53:05.618Z"
        }
      ],
      "twoFactor": {
        "enabled": false,
        "method": "email",
        "pending": null,
        "pendingMethod": "email",
        "lastVerifiedAt": null
      },
      "securityEmails": [
        {
          "id": "1df7c0c9-bc5e-4a91-b5f2-a154f557d81a",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-08-02T14:53:04.352Z"
        }
      ],
      "loginHistory": [
        {
          "id": "e552c4d1-369e-4bee-a015-5cc5e2ee1c56",
          "at": "2026-08-02T14:53:04.352Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "node"
        }
      ],
      "createdAt": "2026-08-02T14:53:04.304Z",
      "updatedAt": "2026-08-02T14:53:04.316Z",
      "activationLink": "http://127.0.0.1:8787/api/auth/activate-account?token=5ebcfca1-8d0a-450c-aa81-8c526b233de2",
      "verificationLink": "http://127.0.0.1:8787/api/auth/verify-email?token=e29178cd-ea54-4b38-928f-79656df920fd",
      "lastLoginAt": "2026-08-02T14:53:04.352Z"
    },
    {
      "id": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "email": "test.live.user@example.com",
      "emailLower": "test.live.user@example.com",
      "passwordHash": "ea8b3b2ed4f5ac0dfedaf5a4d6dfb9cf213b9e43b251a42716b7dcd27ce63b98709d3c2befa6d68bb57172952c7c154b88626bca39d744516c3b79c902b85b11",
      "passwordSalt": "aa1822d1f69d614876ab2fb472b99ed3",
      "verified": true,
      "verificationToken": null,
      "verificationExpiresAt": null,
      "profile": {
        "fullName": "Test Live User",
        "phone": "+233241234567",
        "country": "Ghana",
        "role": "Gold Saver"
      },
      "wallet": {
        "cash": 0,
        "pending": 0,
        "goldGrams": 0
      },
      "storage": {
        "insured": true,
        "provider": "HKKO Insured Vault",
        "coverage": "Vault assets are insured while held in storage."
      },
      "notifications": [
        {
          "id": "d2b3e10d-716a-4e23-b483-47f54c161764",
          "type": "investment",
          "message": "Investment account registered.",
          "read": false,
          "createdAt": "2026-07-31T13:09:57.770Z"
        },
        {
          "id": "00c49db1-866a-4369-b45f-a79387709086",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-07-31T13:09:57.756Z"
        },
        {
          "id": "eb3bcfef-ab9c-4d80-8c71-ac7ac8f870b4",
          "type": "investment",
          "message": "Investment application submitted.",
          "read": false,
          "createdAt": "2026-07-31T13:07:20.771Z"
        },
        {
          "id": "5bf829b5-8789-44a2-8b2d-86853ce03b73",
          "type": "investment",
          "message": "KYC/AML verification completed.",
          "read": false,
          "createdAt": "2026-07-31T13:07:20.763Z"
        },
        {
          "id": "6119e61f-4d13-412d-9702-f51ad31d5909",
          "type": "investment",
          "message": "Investment account registered.",
          "read": false,
          "createdAt": "2026-07-31T13:07:20.753Z"
        },
        {
          "id": "7d5aee22-f0a2-47e5-b97b-5cad38a41860",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-07-31T13:06:40.364Z"
        },
        {
          "id": "a8cc1f21-b76d-45b1-8e3f-e005090fd593",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-07-31T13:04:48.166Z"
        },
        {
          "id": "5bdb066d-2e00-47c1-b385-f42f6d3194ff",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-07-31T13:04:03.220Z"
        },
        {
          "id": "91ff2c3c-21cb-4b48-a914-55d0ab9c228c",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-07-31T13:00:25.883Z"
        },
        {
          "id": "858b1c43-9526-412e-aec1-7f8e10b49c95",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-07-31T12:59:24.125Z"
        },
        {
          "id": "fece1cde-d10c-4548-aa0e-0204d18be519",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-07-31T12:58:54.396Z"
        },
        {
          "id": "f54b08c6-505c-4627-ac4a-54da4a58193f",
          "type": "security",
          "message": "New login detected.",
          "read": false,
          "createdAt": "2026-07-30T12:04:27.210Z"
        },
        {
          "id": "f39cb5ce-bc35-4b34-b31b-49b4e903848f",
          "type": "security",
          "message": "Email verified successfully.",
          "read": false,
          "createdAt": "2026-07-30T12:04:27.168Z"
        }
      ],
      "transactions": [
        {
          "id": "c83e2384-24c4-4cdb-b99c-c24afc3ecccd",
          "type": "deposit",
          "amount": 0,
          "status": "completed",
          "method": "investment-registration",
          "reference": "17f6e838-7f20-4286-99d9-479f01766a4d",
          "createdAt": "2026-07-31T13:09:57.770Z"
        },
        {
          "id": "279567f9-9e84-46d7-999a-4feb9ae0209a",
          "type": "deposit",
          "amount": 0,
          "status": "completed",
          "method": "investment-registration",
          "reference": "17f6e838-7f20-4286-99d9-479f01766a4d",
          "createdAt": "2026-07-31T13:07:20.753Z"
        }
      ],
      "orders": [],
      "securityEmails": [
        {
          "id": "1e44724f-b1de-4c3e-b62c-92c4d4616f78",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-07-31T13:09:57.756Z"
        },
        {
          "id": "4ab2ed43-1a33-4668-8217-a8fc7bf53553",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-07-31T13:06:40.364Z"
        },
        {
          "id": "6ba447d6-8ce1-4f4a-8217-de7f1b6f059d",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-07-31T13:04:48.166Z"
        },
        {
          "id": "2926f694-cadb-471e-a88c-589bc727854e",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-07-31T13:04:03.220Z"
        },
        {
          "id": "169589ab-d6fe-4acc-91cb-0a19cce8d36e",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-07-31T13:00:25.883Z"
        },
        {
          "id": "a6ec96c5-ffd4-4f96-898b-a5ed7b55dc0b",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-07-31T12:59:24.125Z"
        },
        {
          "id": "d6c81a39-2ab4-4228-941e-fb978080c2af",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-07-31T12:58:54.395Z"
        },
        {
          "id": "8e68ff31-33b5-4b08-85a7-4dac16c3a107",
          "subject": "New login detected",
          "body": "Your HKKO Gold account logged in from ::ffff:127.0.0.1.",
          "createdAt": "2026-07-30T12:04:27.210Z"
        }
      ],
      "loginHistory": [
        {
          "id": "b5ade23f-5694-41af-8cd7-36faae2939d0",
          "at": "2026-07-31T13:09:57.756Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "curl/8.7.1"
        },
        {
          "id": "ff9556f9-2e7d-47ff-9eba-0f6574d72440",
          "at": "2026-07-31T13:06:40.364Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "curl/8.7.1"
        },
        {
          "id": "c766230e-55ae-4add-a988-edef60d8fd2e",
          "at": "2026-07-31T13:04:48.165Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "curl/8.7.1"
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        {
          "id": "1aa7b49a-6c2f-4530-9cfd-27d4d00d24f0",
          "at": "2026-07-31T13:04:03.220Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "curl/8.7.1"
        },
        {
          "id": "40ab939b-5f94-4fca-b27d-9772e60b7536",
          "at": "2026-07-31T13:00:25.883Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "curl/8.7.1"
        },
        {
          "id": "e6c8f78f-1a87-4508-8ccf-103264836462",
          "at": "2026-07-31T12:59:24.125Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "curl/8.7.1"
        },
        {
          "id": "18e77b06-9773-4557-a579-43f05f1a4f70",
          "at": "2026-07-31T12:58:54.394Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "curl/8.7.1"
        },
        {
          "id": "3449c4f0-3783-414f-87e5-9b1607b87f15",
          "at": "2026-07-30T12:04:27.210Z",
          "ip": "::ffff:127.0.0.1",
          "userAgent": "curl/8.7.1"
        }
      ],
      "createdAt": "2026-07-30T12:03:48.412Z",
      "updatedAt": "2026-07-30T12:04:27.167Z",
      "activationLink": "http://127.0.0.1:8787/api/auth/verify-email?token=f5a583a2-ba5a-4d7b-8a9c-32daac322c73",
      "lastLoginAt": "2026-07-31T13:09:57.756Z",
      "investmentJourney": {
        "id": "17f6e838-7f20-4286-99d9-479f01766a4d",
        "productName": "HKKO Gold Growth Plan",
        "status": "registered",
        "registrationCompletedAt": "2026-07-31T13:09:57.770Z",
        "kycStatus": "approved",
        "kycCompletedAt": "2026-07-31T13:07:20.763Z",
        "applicationStatus": "submitted",
        "applicationSubmittedAt": "2026-07-31T13:07:20.771Z",
        "validationStatus": "pending",
        "validatedAt": null,
        "agreementStatus": "not_signed",
        "agreementSignedAt": null,
        "fundingStatus": "unfunded",
        "fundedAt": null,
        "maturityStatus": "not_started",
        "maturityReachedAt": null,
        "maturityDecision": null,
        "maturityDecidedAt": null,
        "principal": 5000,
        "currency": "GHS",
        "termMonths": 12,
        "monthsElapsed": 0,
        "monthlyRoiRate": 0.0125,
        "roiPayments": [],
        "totalRoiPaid": 0,
        "applicant": {
          "fullName": "Test Live User",
          "email": "test.live.user@example.com",
          "phone": "+233241234567",
          "country": "Ghana",
          "role": "Gold Saver"
        }
      },
      "activated": true,
      "activationToken": null,
      "activationExpiresAt": null,
      "verificationLink": null,
      "transactionLedger": [],
      "twoFactor": {
        "enabled": false,
        "method": "email",
        "pending": null,
        "pendingMethod": "email",
        "lastVerifiedAt": null
      }
    }
  ],
  "sessions": [
    {
      "token": "379dc2a1-5348-4af6-a69d-d07a186f4c78",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:45.850Z",
      "expiresAt": "2026-08-09T14:53:45.850Z"
    },
    {
      "token": "d12033f3-dc76-4034-a57b-9c8a95181f70",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:04.352Z",
      "expiresAt": "2026-08-09T14:53:04.352Z"
    },
    {
      "token": "7780475a-43ac-4a30-845c-7710c56109f7",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:09:57.756Z",
      "expiresAt": "2026-08-07T13:09:57.756Z"
    },
    {
      "token": "337b6920-6474-4b6c-983a-3af8eddcda10",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:06:40.363Z",
      "expiresAt": "2026-08-07T13:06:40.363Z"
    },
    {
      "token": "a287dc27-dbb3-48fc-9024-86eb60e29d04",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:04:48.165Z",
      "expiresAt": "2026-08-07T13:04:48.165Z"
    },
    {
      "token": "a73e0d0c-3a68-4045-9d00-cd2eaf21fde1",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:04:03.218Z",
      "expiresAt": "2026-08-07T13:04:03.220Z"
    },
    {
      "token": "15c5b494-6598-4ef0-9343-4c7b40f20f22",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:00:25.883Z",
      "expiresAt": "2026-08-07T13:00:25.883Z"
    },
    {
      "token": "d4b2144a-70e5-42f1-9bbd-8802bc3ee320",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T12:59:24.125Z",
      "expiresAt": "2026-08-07T12:59:24.125Z"
    },
    {
      "token": "90068509-560d-4d9c-b74a-08a9cdfc8652",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T12:58:54.393Z",
      "expiresAt": "2026-08-07T12:58:54.393Z"
    },
    {
      "token": "511ab41c-8165-4910-83e1-e1494323c689",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-30T12:04:27.210Z",
      "expiresAt": "2026-08-06T12:04:27.210Z"
    }
  ],
  "emailOutbox": [
    {
      "id": "9d70b887-2732-4eef-9a6b-52335fd1dca0",
      "to": "qa_1785682425746@example.com",
      "subject": "Deposit confirmed",
      "body": "Your deposit of GHS 250.00 has been confirmed.",
      "type": "deposit-confirmed",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:46.896Z"
    },
    {
      "id": "e702993e-5d7c-4649-9052-673aec367e22",
      "to": "qa_1785682425746@example.com",
      "subject": "Deposit request created",
      "body": "A deposit request for GHS 250.00 was created with reference 8fe393e4-c1ed-4bfd-bae5-90fb58bf36e8.",
      "type": "deposit-request",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:46.887Z"
    },
    {
      "id": "f7d6fe8b-9622-4379-ba69-ad42641bcf0a",
      "to": "qa_1785682425746@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-08-02T14:53:45.850Z.",
      "type": "security-login",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:45.850Z"
    },
    {
      "id": "36752dd5-feef-40b0-a9db-945f49bc685c",
      "to": "qa_1785682425746@example.com",
      "subject": "Your HKKO Gold account was verified",
      "body": "Your email has been activated and your account is ready for login.",
      "type": "verification-success",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:45.814Z"
    },
    {
      "id": "89c1f6f7-8fa9-45e4-bda9-635e3e51773e",
      "to": "qa_1785682425746@example.com",
      "subject": "HKKO account activated",
      "body": "Your account has been activated. Verify your email using: http://127.0.0.1:8787/api/auth/verify-email?token=a62dc192-a746-46fc-8b5a-d24ed1d7c388",
      "type": "activation-success",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:45.810Z"
    },
    {
      "id": "0992dac7-8291-4576-aefe-0e1448166513",
      "to": "qa_1785682425746@example.com",
      "subject": "Activate your HKKO Gold account",
      "body": "Activate your account: http://127.0.0.1:8787/api/auth/activate-account?token=e54f50de-5090-44c8-ac09-ca14528560e2 \nThen verify your email: http://127.0.0.1:8787/api/auth/verify-email?token=a62dc192-a746-46fc-8b5a-d24ed1d7c388",
      "link": "http://127.0.0.1:8787/api/auth/activate-account?token=e54f50de-5090-44c8-ac09-ca14528560e2",
      "verificationLink": "http://127.0.0.1:8787/api/auth/verify-email?token=a62dc192-a746-46fc-8b5a-d24ed1d7c388",
      "type": "activation",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:45.797Z"
    },
    {
      "id": "8603bfad-5857-43c2-9dd4-7214b10f174e",
      "to": "qa_1785682384200@example.com",
      "subject": "Deposit confirmed",
      "body": "Your deposit of GHS 250.00 has been confirmed.",
      "type": "deposit-confirmed",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:05.618Z"
    },
    {
      "id": "eddffb56-2c83-4cb5-bc32-37bd75182967",
      "to": "qa_1785682384200@example.com",
      "subject": "Deposit request created",
      "body": "A deposit request for GHS 250.00 was created with reference a89a9470-7460-4668-ac27-f71dc5c9d7e0.",
      "type": "deposit-request",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:05.610Z"
    },
    {
      "id": "c36fd948-c9f9-431c-bab1-1f0b2c1aa512",
      "to": "qa_1785682384200@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-08-02T14:53:04.352Z.",
      "type": "security-login",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:04.352Z"
    },
    {
      "id": "6f8a9864-d7e5-4056-8f64-60872c334f71",
      "to": "qa_1785682384200@example.com",
      "subject": "Your HKKO Gold account was verified",
      "body": "Your email has been activated and your account is ready for login.",
      "type": "verification-success",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:04.316Z"
    },
    {
      "id": "589754e7-baf3-4225-ada3-a0ba2fffecbc",
      "to": "qa_1785682384200@example.com",
      "subject": "HKKO account activated",
      "body": "Your account has been activated. Verify your email using: http://127.0.0.1:8787/api/auth/verify-email?token=e29178cd-ea54-4b38-928f-79656df920fd",
      "type": "activation-success",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:04.311Z"
    },
    {
      "id": "a0930d23-a0a2-4b08-ad13-f7a56f4460a8",
      "to": "qa_1785682384200@example.com",
      "subject": "Activate your HKKO Gold account",
      "body": "Activate your account: http://127.0.0.1:8787/api/auth/activate-account?token=5ebcfca1-8d0a-450c-aa81-8c526b233de2 \nThen verify your email: http://127.0.0.1:8787/api/auth/verify-email?token=e29178cd-ea54-4b38-928f-79656df920fd",
      "link": "http://127.0.0.1:8787/api/auth/activate-account?token=5ebcfca1-8d0a-450c-aa81-8c526b233de2",
      "verificationLink": "http://127.0.0.1:8787/api/auth/verify-email?token=e29178cd-ea54-4b38-928f-79656df920fd",
      "type": "activation",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:04.304Z"
    },
    {
      "id": "e63b0a8e-666e-45b8-be20-483eec5e91f6",
      "to": "test.live.user@example.com",
      "subject": "Deposit request created",
      "body": "A deposit request for GHS 5000.00 was created with reference 04fa5933-bfec-4a7a-b486-47399d1a4882.",
      "type": "deposit-request",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:09:57.779Z"
    },
    {
      "id": "8321cc96-5072-4702-a5a3-dd88e5c6ce16",
      "to": "test.live.user@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-07-31T13:09:57.756Z.",
      "type": "security-login",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:09:57.756Z"
    },
    {
      "id": "63b23c8b-302c-4bf6-aaeb-aec1fcd9ac10",
      "to": "test.live.user@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-07-31T13:06:40.364Z.",
      "type": "security-login",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:06:40.364Z"
    },
    {
      "id": "9f90b127-0b3a-41c1-b151-31c076a2ba5f",
      "to": "test.live.user@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-07-31T13:04:48.165Z.",
      "type": "security-login",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:04:48.166Z"
    },
    {
      "id": "092ce8b7-15f1-4834-9796-1756d29cde5c",
      "to": "test.live.user@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-07-31T13:04:03.220Z.",
      "type": "security-login",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:04:03.220Z"
    },
    {
      "id": "7b3e1da1-128e-4e21-889c-9ba4d3b2e983",
      "to": "test.live.user@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-07-31T13:00:25.883Z.",
      "type": "security-login",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:00:25.883Z"
    },
    {
      "id": "731370a8-b311-4503-8262-f0520c27e356",
      "to": "test.live.user@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-07-31T12:59:24.125Z.",
      "type": "security-login",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T12:59:24.125Z"
    },
    {
      "id": "b87a13ab-f9ce-4460-9976-b8473ae823e1",
      "to": "test.live.user@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-07-31T12:58:54.394Z.",
      "type": "security-login",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T12:58:54.396Z"
    },
    {
      "id": "323ab37e-c5d3-46b4-b9f6-dc7bd93f83b6",
      "to": "test.live.user@example.com",
      "subject": "HKKO Gold security alert",
      "body": "A new login was detected for your account at 2026-07-30T12:04:27.210Z.",
      "type": "security-login",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-30T12:04:27.210Z"
    },
    {
      "id": "52ecae2f-25a0-4f0f-beff-bba00639098a",
      "to": "test.live.user@example.com",
      "subject": "Your HKKO Gold account was verified",
      "body": "Your email has been activated and your account is ready for login.",
      "type": "verification-success",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-30T12:04:27.168Z"
    },
    {
      "id": "fcb57e16-6812-4b2a-8284-54db8896f2a2",
      "to": "test.live.user@example.com",
      "subject": "Verify your HKKO Gold account",
      "body": "Click to activate your account: http://127.0.0.1:8787/api/auth/verify-email?token=f5a583a2-ba5a-4d7b-8a9c-32daac322c73",
      "link": "http://127.0.0.1:8787/api/auth/verify-email?token=f5a583a2-ba5a-4d7b-8a9c-32daac322c73",
      "type": "verification",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-30T12:03:48.412Z"
    }
  ],
  "smsOutbox": [
    {
      "id": "01451d10-9c93-41bd-a1b9-0b797872d3c2",
      "to": "0241234567",
      "message": "Deposit confirmed: GHS 250.00.",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:46.896Z"
    },
    {
      "id": "04a8792b-d07e-46bd-bf60-2432427b36ab",
      "to": "0241234567",
      "message": "HKKO deposit request 8fe393e4-c1ed-4bfd-bae5-90fb58bf36e8 initiated for GHS 250.00.",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "createdAt": "2026-08-02T14:53:46.887Z"
    },
    {
      "id": "c871246b-1a87-4083-80c8-9090ae666d6f",
      "to": "0241234567",
      "message": "Deposit confirmed: GHS 250.00.",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:05.618Z"
    },
    {
      "id": "99fc9b65-70a5-40d6-bf6f-059655628691",
      "to": "0241234567",
      "message": "HKKO deposit request a89a9470-7460-4668-ac27-f71dc5c9d7e0 initiated for GHS 250.00.",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "createdAt": "2026-08-02T14:53:05.610Z"
    },
    {
      "id": "76484cf2-1d0b-4c24-a47a-670ca88e31b6",
      "to": "+233241234567",
      "message": "HKKO deposit request 04fa5933-bfec-4a7a-b486-47399d1a4882 initiated for GHS 5000.00.",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "createdAt": "2026-07-31T13:09:57.779Z"
    }
  ],
  "notifications": [
    {
      "id": "6713442c-e97b-4c73-89bd-70dce1f7bb76",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "type": "welcome",
      "message": "Welcome to HKKO Gold.",
      "read": false,
      "createdAt": "2026-08-02T14:53:45.797Z"
    },
    {
      "id": "9ece96a8-2125-4637-adcc-e2be65091450",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "type": "welcome",
      "message": "Welcome to HKKO Gold.",
      "read": false,
      "createdAt": "2026-08-02T14:53:04.304Z"
    },
    {
      "id": "8a1b224c-9290-4654-bf11-c0a6a637c117",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "type": "welcome",
      "message": "Welcome to HKKO Gold.",
      "read": false,
      "createdAt": "2026-07-30T12:03:48.412Z"
    }
  ],
  "depositRequests": [
    {
      "id": "33f0cf7a-593a-4119-bf07-dc17cd9e466d",
      "reference": "8fe393e4-c1ed-4bfd-bae5-90fb58bf36e8",
      "userId": "407aa832-0688-40fc-bac8-8312f8a5eae1",
      "amount": 250,
      "method": "Mobile Money",
      "channel": "Mobile Money (MTN)",
      "status": "confirmed",
      "customer": {
        "name": "QA Launch Test",
        "email": "qa_1785682425746@example.com",
        "phone": "0241234567"
      },
      "createdAt": "2026-08-02T14:53:46.887Z",
      "providerRef": "QA_PROVIDER_REF"
    },
    {
      "id": "4a0ef02a-5b50-4d68-b56c-5bd51dae4a9d",
      "reference": "a89a9470-7460-4668-ac27-f71dc5c9d7e0",
      "userId": "ff854a29-e36b-4c14-a067-aad77872e31c",
      "amount": 250,
      "method": "Mobile Money",
      "channel": "Mobile Money (MTN)",
      "status": "confirmed",
      "customer": {
        "name": "QA Launch Test",
        "email": "qa_1785682384200@example.com",
        "phone": "0241234567"
      },
      "createdAt": "2026-08-02T14:53:05.610Z",
      "providerRef": "QA_PROVIDER_REF"
    },
    {
      "id": "c8af867b-fd93-4dd5-a95b-ac968c20b800",
      "reference": "04fa5933-bfec-4a7a-b486-47399d1a4882",
      "userId": "78fdcbf3-a4a9-4fab-9052-ca5c9ca2598b",
      "amount": 5000,
      "method": "Mobile Money",
      "channel": "Mobile Money (MTN)",
      "status": "pending",
      "customer": {
        "name": "Test Live User",
        "email": "test.live.user@example.com",
        "phone": "+233241234567"
      },
      "createdAt": "2026-07-31T13:09:57.779Z"
    }
  ],
  "withdrawalRequests": [],
  "prices": {
    "goldOunce": 2425,
    "updatedAt": "2026-07-28T14:59:24.460Z",
    "source": "fallback"
  },
  "backupMetadata": {
    "lastBackupAt": "2026-08-02T14:53:46.898Z",
    "lastBackupFile": "db-backup-2026-08-02T14-53-46-897Z-1d1524.json"
  }
}