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.
Move 288 types from global AKSRT_* + inc/classes manual requires into
namespace AKSRT\{Domain} under src/AKSRT/, wire composer.json psr-4,
and slim bootstrap to helpers/modules/hooks only. Split multi-class
widget/gateway files, update admin contract audit paths, and document
the layout in ADR/README.
Close the freeze/refund loop when admin rejects a balance withdrawal,
block concurrent open applications, and surface processing state plus
server-rendered withdraw history on the wallet card.
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.
Introduce AKSRT_Balance (user_meta aksrt_balance + balance_log) for
Zibll-like pay_balance wallet. User center assets panel shows wallet
and points; balance gateway/card-pass/refunds credit cash when enabled.