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.

inc/classes/class-aksrt-balance.php

@@ -270,6 +270,8 @@ class AKSRT_Balance {
 			'transfer_out'      => __('转出', 'aksrt'),
 			'admin'             => __('管理员调整', 'aksrt'),
 			'exchange_from_credits' => __('积分兑换', 'aksrt'),
+			'withdraw_hold'     => __('提现冻结', 'aksrt'),
+			'withdraw_refund'   => __('提现退回', 'aksrt'),
 		];
 		$key = sanitize_key($reason);
 		return $map[$key] ?? ($reason !== '' ? $reason : __('余额变动', 'aksrt'));