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/finance/cheque-reminders.service.ts

@@ -2,7 +2,7 @@ import { Injectable, Logger } from '@nestjs/common';
 import { Cron } from '@nestjs/schedule';
 import { NotificationsService } from '../notifications/notifications.service';
 import { PrismaService } from '../prisma/prisma.service';
-import { SmsService } from '../common/sms.service';
+import { SmsGatewayService } from '../sms-billing/sms-gateway.service';
 import {
   CHEQUE_REMINDER_DAYS,
   isDueInDays,
@@ -18,7 +18,7 @@ export class ChequeRemindersService {
   constructor(
     private readonly prisma: PrismaService,
     private readonly notifications: NotificationsService,
-    private readonly sms: SmsService,
+    private readonly sms: SmsGatewayService,
   ) {}
 
   @Cron('0 8 * * *', { timeZone: 'Asia/Tehran' })
@@ -134,20 +134,27 @@ export class ChequeRemindersService {
         dedupe: true,
       });
       if (user.mobile) {
-        await this.sms.sendSmsDetailed(user.mobile, staffText);
+        await this.sms.send({
+          organizationId: row.organizationId,
+          phone: user.mobile,
+          text: staffText,
+          source: 'cheque_reminder',
+        });
       }
     }
 
     if (incoming && row.person?.mobile) {
-      await this.sms.sendSmsDetailed(
-        row.person.mobile,
-        personIncomingSms({
+      await this.sms.send({
+        organizationId: row.organizationId,
+        phone: row.person.mobile,
+        text: personIncomingSms({
           number: row.number,
           amount,
           currency: row.currency,
           dueDate: row.dueDate,
         }),
-      );
+        source: 'cheque_reminder',
+      });
     }
   }
 }