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/shop-admin/locales-extra.ts

@@ -12,6 +12,8 @@ export const enExtra = {
     aftersales: "After-sales",
     freightTemplates: "Freight templates",
     reviews: "Reviews",
+    settlements: "Settlements",
+    shopAccount: "Shop account",
   },
   shop: {
     profileSaved: "Shop profile saved.",
@@ -170,6 +172,87 @@ export const enExtra = {
     groupMembersInvalid: "At least two paid members are required.",
     groupLifetimeInvalid: "Group lifetime must be a positive number of hours.",
     groupWindowInvalid: "End must not precede start.",
+    settlement: {
+      generate: "Generate statement",
+      generateHint:
+        "Pick any date inside the target week or month. An existing statement for the same period is returned unchanged.",
+      periodKind: "Period",
+      periodWeek: "Week",
+      periodMonth: "Month",
+      periodDate: "Date inside the period",
+      period: "Period",
+      orderCount: "Orders",
+      gross: "Gross",
+      refund: "Refunds",
+      commissionRate: "Commission rate",
+      commission: "Commission",
+      payable: "Payable",
+      confirmedAt: "Confirmed at",
+      generatedNew: "Statement generated.",
+      generatedExisting:
+        "A statement for this period already exists; the existing statement is shown.",
+      newStatement: "New",
+      existingStatement: "Existing",
+      notClosed:
+        "That period has not closed yet, so it cannot be settled. Only completed periods can be settled.",
+      dateRequired: "Pick a date inside the period.",
+      detail: "Statement detail",
+      orders: "Contributing orders",
+      noOrders: "No orders in this period.",
+      orderNo: "Order no.",
+      orderCurrency: "Order currency",
+      hideDetail: "Hide detail",
+      status: {
+        pending: "Pending",
+        confirmed: "Confirmed",
+      },
+    },
+    account: {
+      available: "Available balance",
+      frozen: "Frozen balance",
+      frozenHint: "Frozen while a withdrawal request awaits platform review.",
+      withdraw: "Request a withdrawal",
+      amount: "Amount",
+      method: "Payout method",
+      methodBank: "Bank transfer",
+      methodDemo: "Demo channel",
+      account: "Payout account",
+      holder: "Account holder (optional)",
+      withdrawHint:
+        "The amount is frozen immediately and stays pending until the platform reviews the request.",
+      submitWithdrawal: "Submit request",
+      withdrawalRequested: "Withdrawal request submitted; the amount is now frozen pending review.",
+      withdrawalHistory: "Withdrawal history",
+      noWithdrawals: "No withdrawal requests yet.",
+      reviewNote: "Review note",
+      reviewedAt: "Reviewed at",
+      entries: "Recent fund entries",
+      noEntries: "No fund entries yet.",
+      accountKind: "Account",
+      entryReason: "Reason",
+      delta: "Change",
+      balanceAfter: "Balance after",
+      amountInvalid: "Enter a positive amount valid for this currency.",
+      methodRequired: "Choose a payout method.",
+      accountRequired: "Enter the payout account.",
+      insufficient: "The amount exceeds your available balance.",
+      kind: {
+        available: "Available",
+        frozen: "Frozen",
+      },
+      status: {
+        pending: "Pending",
+        approved: "Approved",
+        rejected: "Rejected",
+      },
+      reason: {
+        wallet_recharge: "Demo recharge",
+        wallet_withdrawal_freeze: "Withdrawal frozen",
+        wallet_withdrawal_approved: "Withdrawal paid out",
+        wallet_withdrawal_rejected: "Withdrawal unfrozen",
+        settlement_payout: "Settlement payout",
+      },
+    },
   },
   freight: {
     title: "Freight templates",
@@ -291,6 +374,8 @@ export const zhExtra = {
     shopProfile: "店铺资料",
     aftersales: "售后",
     freightTemplates: "运费模板",
+    settlements: "结算对账",
+    shopAccount: "店铺账户",
   },
   shop: {
     profileSaved: "店铺资料已保存。",
@@ -349,6 +434,7 @@ export const zhExtra = {
     status: "状态",
     invoiceNo: "发票号",
     noInvoice: "—",
+    orderNo: "订单号",
     items: "商品数",
     total: "合计",
     details: "详情",
@@ -448,6 +534,83 @@ export const zhExtra = {
     groupMembersInvalid: "成团人数至少为 2。",
     groupLifetimeInvalid: "团有效期必须为正数小时。",
     groupWindowInvalid: "结束时间不能早于开始时间。",
+    settlement: {
+      generate: "生成结算单",
+      generateHint: "可选择目标周/月内的任意一天；同一周期已存在的结算单会原样返回。",
+      periodKind: "周期类型",
+      periodWeek: "周",
+      periodMonth: "月",
+      periodDate: "周期内日期",
+      period: "周期",
+      orderCount: "订单数",
+      gross: "销售总额",
+      refund: "退款额",
+      commissionRate: "佣金比例",
+      commission: "佣金",
+      payable: "应结金额",
+      confirmedAt: "确认时间",
+      generatedNew: "结算单已生成。",
+      generatedExisting: "该周期已存在结算单，下方展示的是已有结算单。",
+      newStatement: "新建",
+      existingStatement: "已存在",
+      notClosed: "该周期尚未结束，无法结算，只有已结束的周期可以结算。",
+      dateRequired: "请选择周期内的日期。",
+      detail: "结算单详情",
+      orders: "关联订单",
+      noOrders: "该周期内没有订单。",
+      orderNo: "订单号",
+      orderCurrency: "订单币种",
+      hideDetail: "收起详情",
+      status: {
+        pending: "待确认",
+        confirmed: "已确认",
+      },
+    },
+    account: {
+      available: "可用余额",
+      frozen: "冻结余额",
+      frozenHint: "提现申请待平台审核期间该金额会被冻结。",
+      withdraw: "申请提现",
+      amount: "金额",
+      method: "提现方式",
+      methodBank: "银行转账",
+      methodDemo: "演示渠道",
+      account: "收款账户",
+      holder: "开户人（可选）",
+      withdrawHint: "提交后金额立即冻结，在平台审核前保持待审核状态。",
+      submitWithdrawal: "提交申请",
+      withdrawalRequested: "提现申请已提交，金额已冻结待审核。",
+      withdrawalHistory: "提现记录",
+      noWithdrawals: "暂无提现申请。",
+      reviewNote: "审核备注",
+      reviewedAt: "审核时间",
+      entries: "最近资金流水",
+      noEntries: "暂无资金流水。",
+      accountKind: "账户",
+      entryReason: "原因",
+      delta: "变动",
+      balanceAfter: "变动后余额",
+      amountInvalid: "请输入该币种下的有效正数金额。",
+      methodRequired: "请选择提现方式。",
+      accountRequired: "请填写收款账户。",
+      insufficient: "金额超过可用余额。",
+      kind: {
+        available: "可用",
+        frozen: "冻结",
+      },
+      status: {
+        pending: "待审核",
+        approved: "已通过",
+        rejected: "已拒绝",
+      },
+      reason: {
+        wallet_recharge: "演示充值",
+        wallet_withdrawal_freeze: "提现冻结",
+        wallet_withdrawal_approved: "提现已打款",
+        wallet_withdrawal_rejected: "提现解冻",
+        settlement_payout: "结算打款",
+      },
+    },
   },
   freight: {
     title: "运费模板",