feat: Add transaction routes and update configurations

This commit introduces new transaction routes for handling various transaction-related operations. It also includes updates to the `config.py` file to support these new features.

The following files were modified:
- `README.md`: Updated documentation to clarify .env variables and their purposes
- `To-Do.md`: Updated task meaningless
- `config.py`: Added COLLECT_COOLDOWN and TAX_ACCOUNT_BID configurations.

    Main Thing:
- `interbend/routes/transaction_routes.py`:
Added boilerplate transaction to handle all transfers and separated business transfers with tax application.
/transfer for personal transfers
/transfer-business for business transfers with tax deduction

TODO: add route to change tax rate and add non hardcoded tax rate.
Type 6 and 7 are reserved for future use. currently implemented are 0 and 1.

To-Do.md

@@ -14,4 +14,8 @@ This file tracks potential new features and improvements for the Interbend banki
     *   **Description:** Create a new API endpoint (e.g., `GET /transactions`) that allows an authenticated user to retrieve a paginated list of their own transaction history.
     *   **Benefits:** Provides users with transparency and a way to track their finances, which is a core feature of any banking application.
 
-    * FINISHED: PLEASE CHECK IF WORKING!
+    * FINISHED: PLEASE CHECK IF WORKING!
+
+Frontend?
+
+idfk?