Summary of what I changed and added:

Added initial migrations for accounts, salons, bookings, payments.
0001_initial.py
0001_initial.py
0001_initial.py
0001_initial.py
Added demo seeding command.
seed_demo.py
OTP provider abstraction now includes Twilio + Unifonic adapter scaffolds (not implemented yet, they raise).
otp.py
Moyasar gateway scaffold added (not implemented yet, raises).
gateway.py
Added .env loading in settings and expanded .env.example for OTP and Moyasar.
settings.py
.env.example
Captured current gaps/risks in a tracked doc as requested.
risks.md
Updated README with seeding guidance and risk doc pointer.
README.md

backend/apps/accounts/services/otp.py

@@ -1,4 +1,5 @@
 import logging
+import os
 import secrets
 from dataclasses import dataclass
 
@@ -33,8 +34,53 @@ class ConsoleOtpProvider(BaseOtpProvider):
         logger.info("OTP WhatsApp to %s: %s", to_number, message)
 
 
+class TwilioOtpProvider(BaseOtpProvider):
+    def __init__(self) -> None:
+        self.account_sid = os.getenv("TWILIO_ACCOUNT_SID")
+        self.auth_token = os.getenv("TWILIO_AUTH_TOKEN")
+        self.from_number = os.getenv("TWILIO_FROM_NUMBER")
+        self.whatsapp_from = os.getenv("TWILIO_WHATSAPP_FROM")
+
+    def _assert_config(self) -> None:
+        if not self.account_sid or not self.auth_token or not self.from_number:
+            raise ValueError("Twilio credentials are not configured")
+
+    def send_sms(self, to_number: str, message: str) -> None:
+        self._assert_config()
+        raise NotImplementedError("Twilio SMS adapter not implemented yet")
+
+    def send_whatsapp(self, to_number: str, message: str) -> None:
+        self._assert_config()
+        if not self.whatsapp_from:
+            raise ValueError("Twilio WhatsApp sender is not configured")
+        raise NotImplementedError("Twilio WhatsApp adapter not implemented yet")
+
+
+class UnifonicOtpProvider(BaseOtpProvider):
+    def __init__(self) -> None:
+        self.app_sid = os.getenv("UNIFONIC_APP_SID")
+        self.sender_id = os.getenv("UNIFONIC_SENDER_ID")
+        self.whatsapp_sender = os.getenv("UNIFONIC_WHATSAPP_SENDER")
+
+    def _assert_config(self) -> None:
+        if not self.app_sid or not self.sender_id:
+            raise ValueError("Unifonic credentials are not configured")
+
+    def send_sms(self, to_number: str, message: str) -> None:
+        self._assert_config()
+        raise NotImplementedError("Unifonic SMS adapter not implemented yet")
+
+    def send_whatsapp(self, to_number: str, message: str) -> None:
+        self._assert_config()
+        if not self.whatsapp_sender:
+            raise ValueError("Unifonic WhatsApp sender is not configured")
+        raise NotImplementedError("Unifonic WhatsApp adapter not implemented yet")
+
+
 PROVIDERS = {
     "console": ConsoleOtpProvider,
+    "twilio": TwilioOtpProvider,
+    "unifonic": UnifonicOtpProvider,
 }