feat :VerifyOtp and SendOtp creation for "seetings", "send monet", "password expiry" and "set login and tpassword"

src/app/(main)/settings/set_txn_password/page.tsx

@@ -159,10 +159,11 @@ export default function ChangePassword() {
         }
         // Step 2 → validate OTP
         if (step === "otp") {
-            if (otp !== generatedOtp) {
+            const verified = await handleVerifyOtp();
+            if (!verified) {
                 notifications.show({
                     title: "Invalid OTP",
-                    message: "Please enter the correct OTP.",
+                    message: "The OTP entered does not match",
                     color: "red",
                 });
                 return;