feat(api): add customer accounts with live summary and append-only ledger

One balance row per (user, kind, currency): available and frozen carry the
platform base currency, points carries none. Monetary and points rows use
separate partial unique indexes because a plain UNIQUE lets NULL repeat.

Balance changes go through transactional primitives that debits guard with a
conditional update, credits add atomically, and freeze/release move both sides
in one transaction after locking rows by primary key. Every change appends an
immutable entry holding its resulting balance. Registration and a migration
backfill create the zero rows; GET /api/me/stats is the only public surface and
no endpoint mutates a balance.

The mall buyer center and points page drop the USER_STATS fixture for the
shared contract; the fixture stays exported so the fixed-data adapter can still
serve the account domain as a rollback path.

Implements openspec change add-customer-accounts.

apps/mall/nuxt.config.ts

@@ -9,7 +9,7 @@ export default defineNuxtConfig({
       // Domains served by the live backend; every other domain stays on the
       // fixed-data adapter. Override with NUXT_PUBLIC_LIVE_DOMAINS='["catalog"]'.
       // See openspec/changes/replace-mock-api-wave-1/design.md and waves 2-3.
-      liveDomains: ["catalog", "currency", "content", "shops", "brands", "auth", "cart", "orders", "shipments", "invoices", "addresses"],
+      liveDomains: ["catalog", "currency", "content", "shops", "brands", "auth", "account", "cart", "orders", "shipments", "invoices", "addresses"],
       appName: "mall",
     },
   },