feat: adjust affiliate commissions and withdrawal strategy

src/Settings/CreditsPaymentGroups.php

@@ -176,14 +176,15 @@ trait CreditsPaymentGroups {
     }
 
     /**
-     * @return array{enabled:bool,ratio:int,window_days:int,require_paid_order:bool,note:string}
+     * @return array<string,mixed>
      */
     public static function get_payment_affiliate_settings(): array {
         return PaymentRuntime::get_payment_affiliate_settings();
     }
 
     public static function affiliate_enabled(): bool { return PaymentRuntime::affiliate_enabled(); }
-    public static function affiliate_ratio(): float { return PaymentRuntime::affiliate_ratio(); }
+    public static function affiliate_ratio_for_user(int $user_id = 0): float { return PaymentRuntime::affiliate_ratio_for_user($user_id > 0 ? $user_id : get_current_user_id()); }
+    public static function affiliate_ratio_for_level(int $level): float { return PaymentRuntime::affiliate_ratio_for_level($level); }
     public static function get_affiliate_settings(): array { return PaymentRuntime::get_affiliate_settings(); }
     public static function get_settlement_settings(): array { return PaymentRuntime::get_settlement_settings(); }