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.
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