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/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>