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/auth/auth.module.ts

@@ -12,7 +12,6 @@ import { AuthController } from './auth.controller';
 import { JwtStrategy } from './jwt.strategy';
 import { RolesGuard } from './roles.guard';
 import { ViewAsReadOnlyInterceptor } from './view-as-readonly.interceptor';
-import { SmsService } from '../common/sms.service';
 
 @Module({
   imports: [
@@ -37,7 +36,6 @@ import { SmsService } from '../common/sms.service';
     AuthService,
     JwtStrategy,
     RolesGuard,
-    SmsService,
     {
       provide: APP_INTERCEPTOR,
       useClass: ViewAsReadOnlyInterceptor,