feat(user-center): add cash wallet balance separate from credits

Introduce AKSRT_Balance (user_meta aksrt_balance + balance_log) for
Zibll-like pay_balance wallet. User center assets panel shows wallet
and points; balance gateway/card-pass/refunds credit cash when enabled.

inc/helpers/user-center-renderers/profile-credits.php

@@ -1,6 +1,8 @@
 <?php
 /**
- * User center profile credits part (orchestrator).
+ * User center credits panel orchestrator.
+ *
+ * Zibll-like dual assets: cash wallet + points, when each is enabled.
  *
  * @package AKSRT
  */
@@ -11,7 +13,24 @@ $context = is_array($args['context'] ?? null) ? $args['context'] : [];
 extract($context, EXTR_SKIP); // phpcs:ignore WordPress.PHP.DontExtract.extract_extract
 
 $dir = __DIR__;
-require $dir . '/credits-balance.php';
-require $dir . '/credits-vip.php';
-require $dir . '/credits-signin.php';
-require $dir . '/credits-transactions.php';
+
+$show_wallet  = !empty($balance_enabled);
+$show_credits = !empty($credits_enabled);
+
+if ($show_wallet) {
+	require $dir . '/credits-wallet.php';
+}
+
+// Points block (existing UI) — only when credits system on.
+if ($show_credits) {
+	// Rename label in balance card is handled inside credits-balance (账户余额 → 积分).
+	require $dir . '/credits-balance.php';
+	require $dir . '/credits-vip.php';
+	require $dir . '/credits-signin.php';
+	require $dir . '/credits-transactions.php';
+} elseif ($show_wallet) {
+	// Wallet-only: still show VIP block if enabled.
+	if (!empty($show_vip)) {
+		require $dir . '/credits-vip.php';
+	}
+}