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.

docs/code_index/consoles.md

@@ -17,6 +17,8 @@ per page. Navigation is a static list in each `app.vue`.
 | `pages/invoices.vue` | invoice issuing |
 | `pages/freight-templates.vue` | freight templates + region rules |
 | `pages/shop-profile.vue` | own shop profile self-edit |
+| `pages/settlements.vue` | own-shop statements: list/detail, idempotent generation |
+| `pages/shop-account.vue` | shop-owner wallet summary, withdrawal request/history, fund entries |
 
 ## apps/admin (platform console, :3002)
 
@@ -30,3 +32,7 @@ per page. Navigation is a static list in each `app.vue`.
 | `pages/content.vue`, `pages/brands.vue` | storefront content, brand registry |
 | `pages/currencies.vue` | currency registry + rates |
 | `pages/points-products.vue`, `pages/points-orders.vue` | points mall ops |
+| `pages/withdrawals.vue` | withdrawal review queue (approve/reject once, 409 feedback) |
+| `pages/settlements.vue` | commission rate, statement list/detail, idempotent generation, one-time payout confirmation |
+| `pages/merchant-applications.vue` | merchant application review queue, detail, approve/reject, one-time owner credentials |
+| `pages/member-levels.vue` + `components/MemberLevelForm.vue` | member level catalog CRUD (bilingual, unique threshold, in-use delete rejection) |