feat: wave 2 migration (P3, P5, P7 openspec changes)

Implements, verifies, and archives the three remaining Wave 2 changes from
openspec/MIGRATION-PLAN.md.

- add-wallet-settlement (P3): demo recharge, guarded withdrawal freeze and
  one-time admin review, paginated own fund entries, idempotent per-shop
  weekly/monthly settlement statements with commission rate and one-time
  payout confirmation.
- add-merchant-onboarding (P5): personal/enterprise applications with one live
  application per user, guarded review with mandatory rejection reason, and
  transactional shop + owner provisioning returning one-time credentials;
  mall onboarding/status pages and an admin review console.
- add-membership-messaging (P7): platform member levels, append-only growth
  accrual on order completion with guarded one-way leveling, order/shipment/
  refund system messages with unread/read state and soft deletion, plus the
  mall header unread badge.

Backend: migrations 0019-0023, new wallet, settlement, merchant_onboarding,
membership and messaging modules, event hooks in order/fulfillment/aftersale,
and integration suites for each. Shared contract extended and all three
frontends updated; code indexes, domain docs, backend guidelines and the
migration tracker synced.

Verification: cargo test -p vmall-api green twice consecutively; mall, admin
and shop-admin builds pass; browser smoke on every new surface; openspec
validate --all --strict green (33 passed).

The three changes share the @vmall/shared contract, the mall mock adapter and
per-app locale/nav files, so they are committed together to keep every commit
buildable.

apps/mall/locales/membership.ts

@@ -0,0 +1,55 @@
+// Buyer membership center: level, growth total, progress and growth history.
+export default {
+  en: {
+    membership: {
+      title: "Membership",
+      entry: "My level",
+      loadFailed: "Unable to load your membership.",
+      currentLevel: "Current level",
+      benefits: "Level benefits",
+      growthTotal: "Growth total",
+      growthUnit: "growth",
+      noLevel: "No level yet",
+      noLevelHint: "Reach {threshold} {unit} to unlock {level}.",
+      topLevel: "Top level reached",
+      topLevelHint: "You are at the highest level — your benefits stay as they are.",
+      progressTitle: "Progress to {level}",
+      progressThreshold: "{current} / {threshold} {unit}",
+      remaining: "{remaining} {unit} to go",
+      historyTitle: "Growth history",
+      historyEmpty: "No growth entries yet.",
+      historyFailed: "Unable to load growth history.",
+      historyDate: "Time",
+      historyReason: "Reason",
+      historyDelta: "Growth",
+      historyTotal: "Total after",
+      reason_order_complete: "Order completed",
+    },
+  },
+  zh: {
+    membership: {
+      title: "会员中心",
+      entry: "我的等级",
+      loadFailed: "会员信息加载失败。",
+      currentLevel: "当前等级",
+      benefits: "等级权益",
+      growthTotal: "成长值",
+      growthUnit: "成长值",
+      noLevel: "暂无等级",
+      noLevelHint: "再获得 {threshold} {unit} 即可解锁 {level}。",
+      topLevel: "已是最高等级",
+      topLevelHint: "您已达到最高等级，权益保持不变。",
+      progressTitle: "距离 {level}",
+      progressThreshold: "{current} / {threshold} {unit}",
+      remaining: "还差 {remaining} {unit}",
+      historyTitle: "成长值明细",
+      historyEmpty: "暂无成长值记录。",
+      historyFailed: "成长值明细加载失败。",
+      historyDate: "时间",
+      historyReason: "原因",
+      historyDelta: "成长值",
+      historyTotal: "变动后累计",
+      reason_order_complete: "订单完成",
+    },
+  },
+};

apps/mall/locales/merchant.ts

@@ -0,0 +1,158 @@
+// Merchant onboarding: application form and applicant status page.
+export default {
+  en: {
+    merchant: {
+      joinTitle: "Sell on VMall",
+      joinSubtitle:
+        "Submit a merchant onboarding application. The platform team reviews it and provisions your shop and owner account.",
+      stepKind: "Entity type",
+      stepEntity: "Entity & categories",
+      stepContact: "Contact & qualification",
+      kindPersonal: "Individual",
+      kindEnterprise: "Enterprise",
+      kindHint: "Choose the entity type that will own the shop. Required fields change with it.",
+      entityInfo: "Entity information",
+      realName: "Legal name",
+      realNamePlaceholder: "Name shown on the identity document",
+      companyName: "Company name",
+      companyNamePlaceholder: "Registered company name",
+      businessLicenseNo: "Business license number",
+      businessLicenseNoPlaceholder: "Unified social credit code",
+      categories: "Operating categories",
+      categoriesHint: "Select one or more categories from the published category tree.",
+      categoriesLoadFailed: "Unable to load the category tree.",
+      contactInfo: "Contact details",
+      contactName: "Contact name",
+      contactPhone: "Contact phone",
+      contactEmail: "Contact email",
+      contactAddress: "Contact address (optional)",
+      contactNamePlaceholder: "Who should we contact?",
+      contactPhonePlaceholder: "Phone number with area code",
+      contactEmailPlaceholder: "you{'@'}example.com",
+      contactAddressPlaceholder: "Street, city, region",
+      qualification: "Qualification materials",
+      qualificationHint: "Provide public http(s) URLs only; this MVP has no file upload.",
+      identityDocumentUrl: "Identity document URL",
+      identityDocumentUrlPlaceholder: "https://example.com/id.jpg",
+      businessLicenseUrl: "Business license URL",
+      businessLicenseUrlPlaceholder: "https://example.com/license.jpg",
+      extraMaterials: "Extra material URLs (optional)",
+      extraMaterialPlaceholder: "https://example.com/extra.jpg",
+      extraMaterialAdd: "Add material URL",
+      extraMaterialRemove: "Remove",
+      previous: "Back",
+      next: "Next",
+      submit: "Submit application",
+      submitting: "Submitting…",
+      signInToSubmit: "Sign in or create an account to submit — your answers are kept.",
+      restoredDraft: "Welcome back. Your saved answers were restored; review them and submit.",
+      successTitle: "Application submitted",
+      successBody:
+        "Your merchant application is now pending review. You can track its state at any time.",
+      viewStatus: "View application status",
+      conflict:
+        "You already have a pending or approved merchant application. Track it on the status page instead of submitting another.",
+      invalid: "Please check the highlighted fields and try again.",
+      submitFailed: "Unable to submit the application. Please try again.",
+      errorRequired: "This field is required.",
+      errorEmail: "Enter a valid email address.",
+      errorUrl: "Enter a valid http(s) URL.",
+      errorCategories: "Select at least one operating category.",
+      statusTitle: "Merchant application status",
+      statusSubtitle: "The latest merchant application submitted by your account.",
+      statusLoadFailed: "Unable to load your merchant applications.",
+      noApplication: "You have not submitted a merchant application yet.",
+      startApplication: "Start an application",
+      status_pending: "Pending review",
+      status_approved: "Approved",
+      status_rejected: "Rejected",
+      applicationId: "Application ID",
+      entityKind: "Entity type",
+      submittedAt: "Submitted",
+      updatedAt: "Last updated",
+      reviewedAt: "Reviewed",
+      rejectionReason: "Rejection reason",
+      createdShop: "Provisioned shop",
+      reapply: "Apply again",
+      historyTitle: "Application history",
+      historyHint: "Earlier applications from this account.",
+      backToJoin: "Back to the application form",
+    },
+  },
+  zh: {
+    merchant: {
+      joinTitle: "商家入驻",
+      joinSubtitle: "提交商家入驻申请，平台审核通过后将为您开通店铺和店主账号。",
+      stepKind: "主体类型",
+      stepEntity: "主体与经营类目",
+      stepContact: "联系人与资质",
+      kindPersonal: "个人",
+      kindEnterprise: "企业",
+      kindHint: "请选择店铺的经营主体类型，选择后需要填写的字段会随之变化。",
+      entityInfo: "主体信息",
+      realName: "真实姓名",
+      realNamePlaceholder: "证件上的姓名",
+      companyName: "企业名称",
+      companyNamePlaceholder: "营业执照上的企业名称",
+      businessLicenseNo: "营业执照号",
+      businessLicenseNoPlaceholder: "统一社会信用代码",
+      categories: "经营类目",
+      categoriesHint: "请从已发布的类目树中选择一个或多个类目。",
+      categoriesLoadFailed: "类目加载失败。",
+      contactInfo: "联系信息",
+      contactName: "联系人姓名",
+      contactPhone: "联系电话",
+      contactEmail: "联系邮箱",
+      contactAddress: "联系地址（选填）",
+      contactNamePlaceholder: "请填写联系人姓名",
+      contactPhonePlaceholder: "请填写含区号的电话号码",
+      contactEmailPlaceholder: "you{'@'}example.com",
+      contactAddressPlaceholder: "省/市/区详细地址",
+      qualification: "资质材料",
+      qualificationHint: "仅支持填写公开的 http(s) 链接，本版本不提供文件上传。",
+      identityDocumentUrl: "身份证件链接",
+      identityDocumentUrlPlaceholder: "https://example.com/id.jpg",
+      businessLicenseUrl: "营业执照链接",
+      businessLicenseUrlPlaceholder: "https://example.com/license.jpg",
+      extraMaterials: "其他材料链接（选填）",
+      extraMaterialPlaceholder: "https://example.com/extra.jpg",
+      extraMaterialAdd: "添加材料链接",
+      extraMaterialRemove: "删除",
+      previous: "上一步",
+      next: "下一步",
+      submit: "提交申请",
+      submitting: "提交中…",
+      signInToSubmit: "请先登录或注册后提交，已填写的内容会为您保留。",
+      restoredDraft: "欢迎回来，已恢复您填写的申请内容，请确认后提交。",
+      successTitle: "申请已提交",
+      successBody: "您的入驻申请已提交，正在等待平台审核。您可以随时查看审核状态。",
+      viewStatus: "查看申请状态",
+      conflict: "您已有一条待审核或已通过的入驻申请，请前往状态页查看，无需重复提交。",
+      invalid: "请检查标注的字段后重试。",
+      submitFailed: "申请提交失败，请稍后重试。",
+      errorRequired: "该项为必填。",
+      errorEmail: "请填写有效的邮箱地址。",
+      errorUrl: "请填写有效的 http(s) 链接。",
+      errorCategories: "请至少选择一个经营类目。",
+      statusTitle: "入驻申请状态",
+      statusSubtitle: "您账号下最新提交的入驻申请。",
+      statusLoadFailed: "入驻申请加载失败。",
+      noApplication: "您还没有提交过入驻申请。",
+      startApplication: "开始申请",
+      status_pending: "待审核",
+      status_approved: "已通过",
+      status_rejected: "已拒绝",
+      applicationId: "申请编号",
+      entityKind: "主体类型",
+      submittedAt: "提交时间",
+      updatedAt: "更新时间",
+      reviewedAt: "审核时间",
+      rejectionReason: "拒绝原因",
+      createdShop: "已开通店铺",
+      reapply: "重新申请",
+      historyTitle: "申请记录",
+      historyHint: "该账号更早的申请记录。",
+      backToJoin: "返回入驻申请",
+    },
+  },
+};

apps/mall/locales/messaging.ts

@@ -0,0 +1,57 @@
+// Buyer message center: list, filters, read/delete actions and the unread badge.
+export default {
+  en: {
+    messaging: {
+      title: "Messages",
+      loadFailed: "Unable to load your messages.",
+      listFailed: "Unable to load messages.",
+      empty: "No messages yet.",
+      emptyUnread: "No unread messages.",
+      unreadOnly: "Unread only",
+      unreadBadge: "{count} unread messages",
+      markAllRead: "Mark all as read",
+      markAllSuccess: "Marked {count} message(s) as read.",
+      markAllFailed: "Unable to mark all messages as read.",
+      markRead: "Mark as read",
+      markReadFailed: "Unable to mark the message as read.",
+      open: "Open",
+      close: "Close",
+      delete: "Delete",
+      deleteConfirm: "Delete this message?",
+      deleteFailed: "Unable to delete the message.",
+      createdAt: "Time",
+      kind_order_paid: "Payment received",
+      kind_order_shipped: "Order shipped",
+      kind_refund_completed: "Refund completed",
+      statusUnread: "Unread",
+      statusRead: "Read",
+    },
+  },
+  zh: {
+    messaging: {
+      title: "消息中心",
+      loadFailed: "消息加载失败。",
+      listFailed: "消息列表加载失败。",
+      empty: "暂无消息。",
+      emptyUnread: "暂无未读消息。",
+      unreadOnly: "仅看未读",
+      unreadBadge: "{count} 条未读消息",
+      markAllRead: "全部标记为已读",
+      markAllSuccess: "已将 {count} 条消息标记为已读。",
+      markAllFailed: "全部标记已读失败。",
+      markRead: "标记已读",
+      markReadFailed: "标记已读失败。",
+      open: "展开",
+      close: "收起",
+      delete: "删除",
+      deleteConfirm: "确定删除这条消息吗？",
+      deleteFailed: "删除消息失败。",
+      createdAt: "时间",
+      kind_order_paid: "付款成功",
+      kind_order_shipped: "订单已发货",
+      kind_refund_completed: "退款完成",
+      statusUnread: "未读",
+      statusRead: "已读",
+    },
+  },
+};

apps/mall/locales/shell.ts

@@ -34,6 +34,7 @@ export default {
         v4: "448 service centers nationwide",
         copyright: "VMall Demo Mall — all content is fixed mock data.",
         icp: "Mock ICP 2026-0001",
+        sellerJoin: "Become a Seller",
       },
       backToTop: "Top",
     },
@@ -72,6 +73,7 @@ export default {
         v4: "448家维修网点 全国联保",
         copyright: "VMall 演示商城 —— 所有内容均为固定 mock 数据。",
         icp: "模拟备案号 2026-0001",
+        sellerJoin: "成为商家",
       },
       backToTop: "顶部",
     },

apps/mall/locales/wallet.ts

@@ -0,0 +1,134 @@
+export default {
+  en: {
+    wallet: {
+      title: "My wallet",
+      available: "Available balance",
+      frozen: "Frozen funds",
+      loadFailed: "Unable to load your wallet.",
+      entriesTitle: "Fund entries",
+      entriesEmpty: "No fund entries yet.",
+      entriesFailed: "Unable to load fund entries.",
+      entryDate: "Date",
+      entryAccount: "Account",
+      entryReason: "Reason",
+      entryDelta: "Change",
+      entryBalance: "Balance after",
+      accountAvailable: "Available",
+      accountFrozen: "Frozen",
+      rechargeTitle: "Recharge",
+      rechargeDemoBadge: "Simulated · demo",
+      rechargeDemoNote:
+        "This is a demo recharge: no payment provider is contacted and no real money moves.",
+      rechargeAmount: "Recharge amount ({currency})",
+      rechargeAmountHint:
+        "Enter a major-unit amount in {currency}; it is credited to your available balance immediately.",
+      rechargeSubmit: "Simulate recharge",
+      rechargeSuccess: "Simulated recharge credited: {amount}.",
+      rechargeFailed: "Recharge failed. Please try again.",
+      rechargeConflict:
+        "The recharge conflicted with the current account state, so it was not applied. Balances have been refreshed.",
+      withdrawTitle: "Withdraw funds",
+      withdrawHint:
+        "A withdrawal leaves your available balance immediately and is held as frozen funds until the platform reviews the request.",
+      withdrawAmount: "Withdrawal amount ({currency})",
+      withdrawAmountHint: "It cannot exceed the available balance.",
+      withdrawMethod: "Payout method",
+      withdrawMethodBank: "Bank transfer",
+      withdrawMethodAlipay: "Alipay",
+      withdrawMethodWechat: "WeChat Pay",
+      withdrawAccount: "Payout account",
+      withdrawAccountHint: "Bank account number or payment handle",
+      withdrawHolder: "Account holder (optional)",
+      withdrawSubmit: "Submit withdrawal request",
+      withdrawSuccess: "Withdrawal request submitted; the amount is now frozen and pending review.",
+      withdrawConflict:
+        "Insufficient available balance: a withdrawal freezes the full amount, so this request was rejected as a conflict. The balances below show the current server state.",
+      withdrawFailed: "Unable to submit the withdrawal request.",
+      validationRequired: "Enter a positive amount, a payout method and a payout account.",
+      historyTitle: "Withdrawal requests",
+      historyEmpty: "No withdrawal requests yet.",
+      historyCreatedAt: "Requested",
+      historyAmount: "Amount",
+      historyMethod: "Method",
+      historyAccount: "Payout account",
+      historyStatus: "Status",
+      historyNote: "Review note",
+      historyReviewedAt: "Reviewed",
+      status_pending: "Pending review",
+      status_approved: "Approved",
+      status_rejected: "Rejected",
+      reason_wallet_recharge: "Simulated recharge",
+      reason_wallet_withdrawal_freeze: "Withdrawal held",
+      reason_wallet_withdrawal_approved: "Withdrawal paid out",
+      reason_wallet_withdrawal_rejected: "Withdrawal returned",
+      reason_order_payment: "Order payment",
+      reason_aftersale_refund: "After-sale refund",
+      reason_settlement_payout: "Settlement payout",
+      reason_opening_balance: "Opening balance",
+    },
+  },
+  zh: {
+    wallet: {
+      title: "我的钱包",
+      available: "可用余额",
+      frozen: "冻结资金",
+      loadFailed: "钱包数据加载失败。",
+      entriesTitle: "资金明细",
+      entriesEmpty: "暂无资金明细。",
+      entriesFailed: "资金明细加载失败。",
+      entryDate: "时间",
+      entryAccount: "账户",
+      entryReason: "原因",
+      entryDelta: "变动",
+      entryBalance: "变动后余额",
+      accountAvailable: "可用",
+      accountFrozen: "冻结",
+      rechargeTitle: "充值",
+      rechargeDemoBadge: "模拟 · 演示",
+      rechargeDemoNote: "这是模拟充值：不会接入任何支付渠道，也不会发生真实资金流转。",
+      rechargeAmount: "充值金额（{currency}）",
+      rechargeAmountHint: "请输入 {currency} 主单位金额，将立即计入可用余额。",
+      rechargeSubmit: "模拟充值",
+      rechargeSuccess: "模拟充值已到账：{amount}。",
+      rechargeFailed: "充值失败，请重试。",
+      rechargeConflict: "充值因账户状态冲突未生效，余额已重新加载。",
+      withdrawTitle: "申请提现",
+      withdrawHint: "提现会立即从可用余额中扣除并计为冻结资金，等待平台审核。",
+      withdrawAmount: "提现金额（{currency}）",
+      withdrawAmountHint: "不得超过可用余额。",
+      withdrawMethod: "提现方式",
+      withdrawMethodBank: "银行转账",
+      withdrawMethodAlipay: "支付宝",
+      withdrawMethodWechat: "微信支付",
+      withdrawAccount: "收款账户",
+      withdrawAccountHint: "银行卡号或收款账号",
+      withdrawHolder: "开户人（选填）",
+      withdrawSubmit: "提交提现申请",
+      withdrawSuccess: "提现申请已提交，金额已冻结并等待审核。",
+      withdrawConflict:
+        "可用余额不足：提现会冻结全额资金，因此本次申请被拒绝（冲突）。下方余额为服务器当前状态。",
+      withdrawFailed: "提现申请提交失败。",
+      validationRequired: "请填写正确的金额、提现方式与收款账户。",
+      historyTitle: "提现记录",
+      historyEmpty: "暂无提现申请。",
+      historyCreatedAt: "申请时间",
+      historyAmount: "金额",
+      historyMethod: "方式",
+      historyAccount: "收款账户",
+      historyStatus: "状态",
+      historyNote: "审核备注",
+      historyReviewedAt: "审核时间",
+      status_pending: "待审核",
+      status_approved: "已通过",
+      status_rejected: "已拒绝",
+      reason_wallet_recharge: "模拟充值",
+      reason_wallet_withdrawal_freeze: "提现冻结",
+      reason_wallet_withdrawal_approved: "提现已打款",
+      reason_wallet_withdrawal_rejected: "提现已退回",
+      reason_order_payment: "订单支付",
+      reason_aftersale_refund: "售后退款",
+      reason_settlement_payout: "结算打款",
+      reason_opening_balance: "期初余额",
+    },
+  },
+};