Bill all platform SMS (including OTP), allow negative balance with manual/auto cutoffs, and support own-panel bypass without wallet debit.
Co-authored-by: Cursor <cursoragent@cursor.com>
Import large Excel lists with duplicate checks, assign and kanban follow-up, convert to Person when ready; also fix OTP mobile mask order and SMS brand name to منتکت. Co-authored-by: Cursor <cursoragent@cursor.com>