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.module.ts

@@ -1,7 +1,6 @@
 import { Module } from '@nestjs/common';
 import { AuthModule } from '../auth/auth.module';
 import { NotificationsModule } from '../notifications/notifications.module';
-import { SmsService } from '../common/sms.service';
 import { TreasuryController } from './treasury.controller';
 import { TreasuryAccessGuard } from './treasury-access.guard';
 import { TreasuryBridgeService } from './treasury-bridge.service';
@@ -18,7 +17,6 @@ import { TreasuryService } from './treasury.service';
     TreasuryOpsService,
     TreasuryBridgeService,
     TreasuryAccessGuard,
-    SmsService,
   ],
   exports: [TreasuryService, TreasuryBridgeService],
 })