feat(validation): add SKR standard validation for account compliance

test/test.skr03.ts

@@ -8,9 +8,11 @@ let testConfig: Awaited<ReturnType<typeof getTestConfig>>;
 tap.test('should initialize SKR03 API', async () => {
   testConfig = await getTestConfig();
   
+  // Use timestamp to ensure unique database for each test run
+  const timestamp = Date.now();
   api = new skr.SkrApi({
     mongoDbUrl: testConfig.mongoDbUrl,
-    dbName: `${testConfig.mongoDbName}_skr03`,
+    dbName: `${testConfig.mongoDbName}_skr03_${timestamp}`,
   });
 
   await api.initialize('SKR03');