ShaheerIjaz97/django-refund-management-system ? reverse-engineered prompt

Build me a Django backend for managing refunds as a real workflow, not just a simple create and update app.

I want users to log in with JWT, create refund requests, and then move each refund through a proper approval process with clear statuses like requested, under review, approved, rejected, settled, or failed. Different roles should have different powers, like agent, manager, finance, and admin, and the approval path should change based on the refund amount. Please make sure bad state changes are blocked on the server side.

I also want an audit trail for every important action, so I can see who changed what and when. Add async handling for things like email notifications and refund processing, plus a health check endpoint and clean API docs I can browse in Swagger. Use Docker so I can run the whole thing easily, and include tests for permissions, workflow transitions, and the audit log. If you need to check current docs for any libraries, feel free to look them up online.