feat: add per-org SMS wallet with adm panel and header credit

Bill all platform SMS (including OTP), allow negative balance with manual/auto cutoffs, and support own-panel bypass without wallet debit.

apps/api/src/attendance/attendance.module.ts

@@ -1,9 +1,8 @@
 import { Module } from '@nestjs/common';
-import { SmsService } from '../common/sms.service';
 import { AttendanceService } from './attendance.service';
 
 @Module({
-  providers: [AttendanceService, SmsService],
+  providers: [AttendanceService],
   exports: [AttendanceService],
 })
 export class AttendanceModule {}