Replace the legacy points-to-balance and external points purchase flows
with direct integer balance-to-points exchange. Enforce exchange and
points-transfer limits and capability checks across the UI and REST API.
Opening 余额功能 alone now enables cash-wallet pay (unless 余额支付 is explicitly off). Drop points-as-balance fallback, stop fake method injection, expose real wallet in cashiers, and honor auto_to_balance on recharge fulfill.
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.
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.
Extract payment readers into AKSRT_Settings_Payment_Runtime and store
canonical Zibll option IDs (pay_user_vip_*, pay_balance_*, pay_box_position,
pay_mark, pay_rebate_*, pay_income_*) in aksrt_settings with no legacy
payment_* dual-read. Update PHP/JS payment schemas and VIP sidebar gate.
kate522
