feat(payment): 通用卡密兑换弹窗并修正核销订单实付与订单名称

- /user/balance/ 余额卡片入口改为通用「卡密兑换」弹窗：请求不带类型，
  后端按卡密自动识别余额/会员/积分；卡号输入恒展示且选填
- 后台「余额充值 → 卡密充值」语义更新为「卡密兑换」，开关更名
  「启用卡密兑换功能」（设置键不变），双源 schema 同步并重建 SPA
- 删除死代码：credits-vip.php 死文件、credits-balance.php 内联积分
  兑换块、/pay/card-pass/options 路由与 rest_options、labels 数组、
  asset_points_card_description/password_only 死字段及内联块专属 CSS
- 卡密核销订单实付恒 0：create_redeem_order 源头写 0，UserOrders
  对 card_pass 订单视图层归零覆盖历史行（不迁移数据）
- 订单名称按 note.meta 生成：卡密兑换-余额充值X / 卡密兑换-积分充值X /
  购入[会员档位名]X天(永久)
- 新增契约 card-pass-universal-redeem.test.cjs，收紧 user-assets-layout
  契约（禁 .uc-card-pass 根类回潮）

src/Payment/ChargeCard.php

@@ -42,11 +42,6 @@ class ChargeCard {
     }
 
     public function register_public_routes(): void {
-        register_rest_route('aksrt/v1', '/pay/card-pass/options', [
-            'methods'             => 'GET',
-            'callback'            => [$this, 'rest_options'],
-            'permission_callback' => [$this, 'check_rest_nonce'],
-        ]);
         register_rest_route('aksrt/v1', '/pay/card-pass/redeem', [
             'methods'             => 'POST',
             'callback'            => [$this, 'rest_redeem'],
@@ -89,13 +84,6 @@ class ChargeCard {
         return true;
     }
 
-    public function rest_options(\WP_REST_Request $request) {
-        return new \WP_REST_Response([
-            'success' => true,
-            'data'    => $this->get_public_options(),
-        ], 200);
-    }
-
     public function rest_redeem(\WP_REST_Request $request) {
         $params = $request->get_json_params();
         if (!is_array($params)) {
@@ -124,20 +112,14 @@ class ChargeCard {
     }
 
     /**
+     * 前台卡密兑换开关视图（按类型拆分）。
+     *
+     * balance.enabled 语义为「启用卡密兑换功能」总开关（后台 余额充值 → 卡密兑换），
+     * 与收款接口 card_pass 主开关共同决定前台兑换入口是否展示。
+     *
      * @return array<string,mixed>
      */
     public function get_public_options(): array {
-        $labels = [
-            'title'            => __('卡密兑换', 'aksrt'),
-            'password'         => __('卡密', 'aksrt'),
-            'card'             => __('卡号', 'aksrt'),
-            'submit_balance'   => __('兑换余额', 'aksrt'),
-            'submit_vip'       => __('兑换会员', 'aksrt'),
-            'submit_credits'   => __('兑换积分', 'aksrt'),
-            'placeholder_pw'   => __('请输入卡密', 'aksrt'),
-            'placeholder_card' => __('请输入卡号', 'aksrt'),
-        ];
-
         // Master kill-switch on 收款接口 → 卡密充值.
         $channel_on = !class_exists('\AKSRT\Settings\PaymentRuntime')
             || \AKSRT\Settings\PaymentRuntime::is_gateway_enabled('card_pass');
@@ -146,8 +128,7 @@ class ChargeCard {
             return [
                 'balance' => $off,
                 'vip'     => $off,
-                'credits' => $off,
-                'labels'  => $labels,
+                'credits' => ['enabled' => false],
             ];
         }
 
@@ -175,17 +156,15 @@ class ChargeCard {
             }
         }
 
-        $credits = ['enabled' => false, 'desc' => '', 'only_password' => true];
+        $credits = ['enabled' => false];
         $all = class_exists('\AKSRT\Settings\Settings') && method_exists('\AKSRT\Settings\Settings', 'get_all')
             ? \AKSRT\Settings\Settings::get_all()
             : (array) get_option('aksrt_settings', []);
         if (!empty($all['asset_points_card_enabled'])) {
-            // Require credits system on when available.
-            $credits_on = !class_exists('\AKSRT\Settings\Settings') || !method_exists('\AKSRT\Settings\Settings', 'credits_enabled') || \AKSRT\Settings\Settings::credits_enabled();
+            // 积分卡仅作为后端类型闸门（assert_type_enabled）；前台兑换统一走
+            // 通用「卡密兑换」弹窗，无独立入口与说明/单密码配置。
             $credits = [
-                'enabled'       => $credits_on,
-                'desc'          => sanitize_textarea_field((string) ($all['asset_points_card_description'] ?? '')),
-                'only_password' => !isset($all['asset_points_card_password_only']) || !empty($all['asset_points_card_password_only']),
+                'enabled' => !class_exists('\AKSRT\Settings\Settings') || !method_exists('\AKSRT\Settings\Settings', 'credits_enabled') || \AKSRT\Settings\Settings::credits_enabled(),
             ];
         }
 
@@ -193,7 +172,6 @@ class ChargeCard {
             'balance' => $balance,
             'vip'     => $vip,
             'credits' => $credits,
-            'labels'  => $labels,
         ];
     }
 
@@ -808,6 +786,8 @@ class ChargeCard {
             return '';
         }
 
+        // 卡密核销不发生真实支付（现金在售卡时已确认），订单金额恒为 0；
+        // 卡密面额/时长记录在 note.meta，订单名称由 UserOrders 按 note 生成。
         $product_type = \AKSRT\Core\DomainModel::ORDER_PRODUCT_RECHARGE;
         $product_id   = $card_id;
 		$amount       = '0.00';
@@ -815,14 +795,9 @@ class ChargeCard {
 
         if ($type === self::TYPE_VIP) {
             $product_type = \AKSRT\Core\DomainModel::ORDER_PRODUCT_VIP;
-			$amount       = '0.00';
-        } elseif ($type === self::TYPE_BALANCE) {
-			$parsed_amount = \AKSRT\Ledger\AssetAmount::balance(is_string($meta['amount'] ?? null) ? $meta['amount'] : '');
-			$amount   = $parsed_amount->decimal();
-            $currency = 'CNY';
         } elseif ($type === self::TYPE_CREDITS) {
 			$product_type = \AKSRT\Core\DomainModel::ORDER_PRODUCT_POINTS;
-			$amount   = (int) ($meta['points'] ?? 0);
+			$amount   = '0';
             $currency = 'points';
         }