fix(user): register dialog, KYC modal, and home loading gaps

Repair gift-card register success modal text, enforce KYC with correct identity checks, and show skeleton/fallback while home layout loads.

Co-authored-by: Cursor <cursoragent@cursor.com>

src/App.vue

@@ -169,6 +169,7 @@ import {
   useChatService,
 } from '@/utils/chat'
 import { getToken } from '@/utils'
+import { isCustomerIdentityVerified } from '@/utils/customerIdentity'
 import { message } from 'ant-design-vue'
 import { showBrowserNotification } from '@/utils/browserNotification'
 
@@ -329,7 +330,10 @@ watch(
 const userStore = useUserStore()
 const settingsStore = useSettingsStore()
 const isKycRequired = computed(
-  () => Boolean(getToken()) && (userStore.userInfo?.is_legal === 0 || !userStore.userInfo?.is_legal),
+  () =>
+    Boolean(getToken()) &&
+    Boolean(userStore.userInfo) &&
+    !isCustomerIdentityVerified(userStore.userInfo?.is_legal),
 )
 
 const giftCardFabAccent = computed(