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.
This commit is contained in:
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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",
},
},
};