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/web/src/layouts/AdmLayout.vue

@@ -22,6 +22,8 @@ const pageTitle = computed(() => {
       return 'کاربران';
     case 'adm-admins':
       return 'ادمین‌ها';
+    case 'adm-sms':
+      return 'پیامک';
     default:
       return 'سوپرادمین';
   }
@@ -31,6 +33,7 @@ const tabs = [
   { name: 'adm-dashboard', label: 'خانه', icon: 'home' as const },
   { name: 'adm-organizations', label: 'محیط‌ها', icon: 'building' as const },
   { name: 'adm-users', label: 'کاربران', icon: 'users' as const },
+  { name: 'adm-sms', label: 'پیامک', icon: 'mail' as const },
   { name: 'adm-admins', label: 'ادمین‌ها', icon: 'lock' as const },
 ];
 

apps/web/src/layouts/AppLayout.vue

@@ -10,6 +10,7 @@ import QuickCreate from '@/components/QuickCreate.vue';
 import OrgSwitcher from '@/components/OrgSwitcher.vue';
 import NavHubPanel from '@/components/nav/NavHubPanel.vue';
 import GamificationToaster from '@/components/gamification/GamificationToaster.vue';
+import SmsHeaderWallet from '@/components/SmsHeaderWallet.vue';
 import { NAV_HUBS, type NavHubDef, type NavHubKey } from '@/lib/nav-hubs';
 import type {
   ActivitySummaryDto,
@@ -769,6 +770,7 @@ onUnmounted(() => {
           <BrandName lang="en" />
         </div>
         <div class="top-tools">
+          <SmsHeaderWallet />
           <button class="round-btn" type="button" aria-label="اعلان‌ها" @click="toggleNotif">
             <UiIcon name="bell" :size="18" />
             <span v-if="hasUnread" class="badge">{{ toFaDigits(unreadCount) }}</span>
@@ -805,6 +807,7 @@ onUnmounted(() => {
         </form>
 
         <div class="topbar-actions">
+          <SmsHeaderWallet />
           <RouterLink class="round-btn accent" :to="{ name: 'notes' }" title="هوش مصنوعی">
             <UiIcon name="sparkle" :size="18" />
           </RouterLink>