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/loyalty/loyalty.module.ts

@@ -1,13 +1,12 @@
 import { Module } from '@nestjs/common';
 import { AuthModule } from '../auth/auth.module';
-import { SmsService } from '../common/sms.service';
 import { LoyaltyController } from './loyalty.controller';
 import { LoyaltyService } from './loyalty.service';
 
 @Module({
   imports: [AuthModule],
   controllers: [LoyaltyController],
-  providers: [LoyaltyService, SmsService],
+  providers: [LoyaltyService],
   exports: [LoyaltyService],
 })
 export class LoyaltyModule {}

apps/api/src/loyalty/loyalty.service.ts

@@ -22,7 +22,7 @@ import { Prisma } from '@prisma/client';
 import { PrismaService } from '../prisma/prisma.service';
 import { buildSearchWhere, ci } from '../common/search';
 import { type Actor, ownerWhere } from '../common/record-scope';
-import { SmsService } from '../common/sms.service';
+import { SmsGatewayService } from '../sms-billing/sms-gateway.service';
 
 const DEFAULT_TIERS = [
   { name: 'برنزی', minPoints: 0, color: '#c9843a' },
@@ -57,7 +57,7 @@ const DAY_MS = 86_400_000;
 export class LoyaltyService {
   constructor(
     private readonly prisma: PrismaService,
-    private readonly sms: SmsService,
+    private readonly sms: SmsGatewayService,
   ) {}
 
   async ensureDefaults(organizationId: string): Promise<void> {
@@ -447,10 +447,12 @@ export class LoyaltyService {
     const settings = await this.ensureSettings(actor.organizationId);
     if (settings.notifyOnAdjust && updated.mobile) {
       const sign = delta > 0 ? '+' : '';
-      void this.sms.sendSmsDetailed(
-        updated.mobile,
-        `باشگاه مشتریان: ${sign}${Math.trunc(delta)} امتیاز. موجودی: ${updated.loyaltyPoints}`,
-      );
+      void this.sms.send({
+        organizationId: actor.organizationId,
+        phone: updated.mobile,
+        text: `باشگاه مشتریان: ${sign}${Math.trunc(delta)} امتیاز. موجودی: ${updated.loyaltyPoints}`,
+        source: 'loyalty',
+      });
     }
     return updated;
   }
@@ -504,7 +506,12 @@ export class LoyaltyService {
         skipped += 1;
         continue;
       }
-      const result = await this.sms.sendSmsDetailed(p.mobile, body);
+      const result = await this.sms.send({
+        organizationId: actor.organizationId,
+        phone: p.mobile,
+        text: body,
+        source: 'loyalty',
+      });
       if (result.ok) sent += 1;
       else failed += 1;
     }