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/treasury/treasury-receivables.service.ts

@@ -13,7 +13,7 @@ import type {
 } from '@mento/shared';
 import { PrismaService } from '../prisma/prisma.service';
 import { NotificationsService } from '../notifications/notifications.service';
-import { SmsService } from '../common/sms.service';
+import { SmsGatewayService } from '../sms-billing/sms-gateway.service';
 import ExcelJS from 'exceljs';
 import type { Actor } from '../common/record-scope';
 
@@ -47,7 +47,7 @@ export class TreasuryReceivablesService {
   constructor(
     private readonly prisma: PrismaService,
     private readonly notifications: NotificationsService,
-    private readonly sms: SmsService,
+    private readonly sms: SmsGatewayService,
   ) {}
 
   async list(actor: Actor): Promise<FinancialReceivableDto[]> {
@@ -306,8 +306,15 @@ export class TreasuryReceivablesService {
           where: { id: admin.userId },
           select: { mobile: true },
         });
-        if (user?.mobile && this.sms.isConfigured()) {
-          await this.sms.sendSmsDetailed(user.mobile, `${title}: ${body}`).catch(() => undefined);
+        if (user?.mobile) {
+          await this.sms
+            .send({
+              organizationId: row.receivable.organizationId,
+              phone: user.mobile,
+              text: `${title}: ${body}`,
+              source: 'treasury_reminder',
+            })
+            .catch(() => undefined);
         }
       }
       await this.prisma.financialInstallment.update({