feat(pay): card-pass redeem for VIP and balance (zibll-style)

Rewrite charge-card into typed single-use card_pass inventory with public redeem REST, user-center UI for balance/VIP, admin type-aware create/batch, and CAS mark-used fulfillment via Credits/activate_vip.

inc/classes/settings/class-aksrt-settings-payment-runtime.php

@@ -196,6 +196,7 @@ class AKSRT_Settings_Payment_Runtime {
                 'download_speed'   => max(0, min(99999, (int) ($settings['pay_download_speed'] ?? 0))),
                 'pass_charge'      => !empty($settings['pay_vip_pass_charge_s']),
                 'pass_charge_desc' => sanitize_textarea_field((string) ($settings['pay_vip_pass_charge_desc'] ?? '')),
+                'pass_charge_only_password' => !isset($settings['pay_vip_pass_charge_only_password']) || !empty($settings['pay_vip_pass_charge_only_password']),
             ],
             'renew'         => [
                 'enabled'    => !isset($settings['vip_renew']) || !empty($settings['vip_renew']),