feat(user-center): points buy, balance withdraw, and asset record tabs

Add cash purchase of points (points_pay_s), wallet withdraw requests via
AKSRT_Withdrawal, Zibll-style dual-card layout with tabbed balance/points
ledgers, and admin switches for buy-points packages and balance withdraw.

assets/admin/src/schema/sections/users/credits.js

@@ -38,8 +38,12 @@ export const creditsSchema = {
       icon: 'fas fa-coins',
       fields: [
         { key: 'points_s', label: '启用积分系统', type: 'switch', default: true },
-        { key: 'points_pay_s', label: '积分支付', type: 'switch', default: false },
-        { key: 'points_rate', label: '积分兑换比例', type: 'number', default: 100, min: 1, max: 10000 },
+        { key: 'points_pay_s', label: '启用购买积分', type: 'switch', default: false, help: '对齐 zibll points_pay_s：允许用户用现金/余额购买积分。' },
+        { key: 'points_rate', label: '积分汇率（1元=N积分）', type: 'number', default: 100, min: 1, max: 10000, dependsOn: { key: 'points_pay_s', value: true } },
+        { key: 'pay_points_desc', label: '购买积分说明', type: 'textarea', default: '', dependsOn: { key: 'points_pay_s', value: true } },
+        { key: 'pay_points_product', label: '积分套餐', type: 'textarea', default: '', help: '每行：支付金额|积分数量|标题。留空则仅自定义数量。', dependsOn: { key: 'points_pay_s', value: true } },
+        { key: 'pay_points_product_custom_s', label: '允许自定义积分数量', type: 'switch', default: true, dependsOn: { key: 'points_pay_s', value: true } },
+        { key: 'pay_points_product_custom_limit', label: '自定义积分上限', type: 'number', default: 99999, min: 1, max: 999999, dependsOn: { key: 'points_pay_s', value: true } },
         { key: 'points_name', label: '积分名称', type: 'input', default: '积分' },
         { key: 'points_decimal', label: '积分小数位数', type: 'number', default: 2, min: 0, max: 4 },
       ],