chore(openspec): archive add-customer-accounts

Sync the customer-accounts capability and the frontend-mall stats requirement into the main specs, and write the capability Purpose the archive leaves as a placeholder so strict validation stays green.
2026-09-18 11:55:38 +00:00
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+## Why
+
+Account statistics are fixed mall fixtures, and points redemption needs an auditable balance rather than mutable user fields. A customer account boundary establishes safe balances and append-only history before any points-spend flow is introduced.
+
+## What Changes
+
+- Add one customer account per supported balance: cash balance, frozen cash, and integer loyalty points.
+- Add append-only account entries that record the resulting balance, signed delta, reason, reference type, and reference ID.
+- Add an authenticated customer account summary endpoint and replace the account-stat fixture on the mall user center.
+- Provide transactional service operations for later flows to credit, debit, freeze, and release funds or points with non-negative-balance checks.
+
+## Capabilities
+
+### New Capabilities
+- `customer-accounts`: Customer balance and points accounts, immutable entries, account summary, and guarded balance mutations.
+
+### Modified Capabilities
+- `frontend-mall`: User-center account statistics load through the shared API client.
+
+## Non-goals
+
+No top-up, payment-from-balance, withdrawal, refund-to-balance, points earning campaign, merchant settlement, or public account-entry listing is included. The frozen monetary kind is reserved for later freeze/release flows.
+
+## Impact
+
+Adds Rust account module and migrations, shared account types/API/locales, a mall live-data migration, and a reusable transactional dependency for the points mall.