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It includes:\n\n- **User Authentication with OTP (Email + Mobile)**\n    \n- **Wallet Management**\n    \n- **Peer-to-Peer Transfers (P2P)**\n    \n- **Transaction PIN (like UPI PIN)**\n    \n- **Razorpay Integration for Top-ups**\n    \n- **Webhook Handling & Transaction Verification**\n    \n- **Rate Limiting**\n    \n- **Transaction Filtering & Analytics**\n    \n- **Swagger Docs & Postman Docs Ready**\n    \n\n---\n\n## Collection Structure\n\nThe collection is organized by **features/modules** for clarity:\n\n### Authentication & OTP\n\n- `POST /otp/molile` – Send OTP to Mobile Number\n    \n- `POST /otp/verify-mobile` – Verify OTP sent to Mobile Number\n    \n- `POST /auth/signup` – Register new users and save them in db\n    \n- `POST /otp/email` – Send OTP to registered email\n    \n- `POST /otp/verify-otp` – Verify OTP sent to Email\n    \n- `POST /auth/login` – Login with email and password\n    \n\n### Wallet & Transactions\n\n- `POST /wallet/transfer` – Internal wallet-to-wallet transfers (P2P)\n    \n- `GET /wallet/`balance– Get balance and account number\n    \n\n### Razorpay Integration\n\n- `POST /payments/topup` – Create a Razorpay order for top-up and provide the link for Payment Page\n    \n- `POST /payments/webhook` – Verify Razorpay payment via webhook\n    \n\n### Transaction Details\n\n- `GET /transactions/history` – Get complete transaction history using required filters\n    \n- `GET /transactions/`pdf– Export the transaction history in form of pdf\n    \n\n### User Features\n\n- `POST/user/changePassword`– Change the Password as per convenience\n    \n- `POST/user/changePin`– Change the PIN as per convenience\n    \n\n### Security\n\n- Transaction PIN required for all sensitive actions (transfer, top-up)\n    \n- OTP stored in **Redis** with auto-expiry\n    \n- All endpoints protected by **JWT authentication** middleware\n    \n\n---\n\n## ✅ How to Use This Collection\n\n1. **Import the collection** into Postman.\n    \n2. Set up the following **Postman Environment Variables**:\n    \n    - `{{URL}}` – API base URL (e.g., [http://localhost:3000](http://localhost:5000))\n        \n3. Use the **Pre-request Scripts** (where added) to automatically inject headers.\n    \n4. Begin with Authentication and OTP and follow the sequence in which the routes are presented in docs.\n    \n\n---\n\n## 🧪 Testing Notes\n\n- **All endpoints validated using Postman test scripts** (where relevant).\n    \n- **Edge cases** (e.g., expired OTPs, incorrect PINs, insufficient balance) can be tested using specific test data.\n    \n- For **Razorpay webhooks**, use `ngrok / localtunnel` and simulate events via the Razorpay dashboard.\n    \n- If webhooks does not work then test them after deployment and make necessary changes.\n    \n\n---\n\n## 📄 Documentation & Repo\n\n- Swagger Docs: [https://virtual-wallet-api.onrender.com/api-docs/](https://virtual-wallet-api.onrender.com/api-docs/)\n    \n- **GitHub Repo:** [https://github.com/tush1504/Virtual-Wallet-API](https://github.com/tush1504/Virtual-Wallet-API)\n    \n- **Tech Stack:** Node.js, Express, MongoDB, Redis, Razorpay, Nodemailer, 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