[IbnNaseer]

Summary

Resolves #1209

Credit lifecycle suites (Dashboard, CreditLines, RepayPage, RepaySuccess, DrawCreditPage, TransactionHistory) depend on relative dates, due dates, repayment schedules, and aging tags. Because mock fixtures rely on fixed anchor dates, executing tests against floating host system time (Date.now() / new Date()) introduced date drift and flakiness across the credit test suites.

This PR introduces a centralized, injectable clock utility, adds test helpers to pin system time deterministically, refactors components to consume the clock, and documents the credit domain time-pinning policy.

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Changes

1. Centralized Clock & Test Helpers

• src/lib/clock.ts: Introduced injectable clock utility with now() and nowMs().
• src/test/freezeTime.ts: Created freezeTime() and unfreezeTime() helpers pinning both fake timers (vi.setSystemTime) and the injectable clock to a canonical reference date (DEFAULT_FROZEN_TIME = '2025-02-25T12:00:00.000Z').

2. Component & Mock Updates

• Replaced raw time reads: Swapped new Date() / Date.now() with clock.now() in Dashboard, CreditLines, TransactionHistory, CreditLineAging, and RepaymentSchedule.
• Fixture stability: Anchored generateAprHistory and attestations in src/data/mockData.ts to FIXTURE_ANCHOR_DATE.

3. Test Suites & Documentation

• Freezing credit suites: Integrated freezeTime() and cleanup hooks across:
  • Dashboard.test.tsx
  • CreditLines.test.tsx
  • RepayPage.test.tsx
  • RepaySuccess.test.tsx
  • DrawCreditPage.test.tsx
  • TransactionHistory.test.tsx
• Testing documentation: Added Section 7 ("Credit Domain Clock & Time Pinning Policy") to docs/TESTING.md.
• Fixes: Cleaned up pattern imports in TransactionStatus.tsx and router imports in RepayPage.tsx.

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How to Verify

# Run unit & component test suites
npm test -- --run

# Run type check and production build
npm run build

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[IbnNaseer]

maintener review and merge pls