feat: accounting integration (D27), SMS relay driver (D26), rebuild user apps

- Add Tahesab/Zarrin accounting sync module with admin panel UI
- Add SMS relay driver as default provider, refactor SMS into driver pattern
- Update customer services, orders, products, and catalog queries
- Rebuild user-app and user-app-v2 dist assets
- Add Prisma migration for accounting tables
- Update docker-compose and env examples
- Update parity docs (DECISIONS, ISSUES, PROGRESS)

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

apps/user-app/src/views/user/DashboardView.vue

@@ -245,7 +245,15 @@ function logOut() {
 
 async function loadDashboard() {
   if (session.isLoggedIn) {
-    customer.value = await api.getMe()
+    // Not wrapped before: a failure here (expired token, network blip) left
+    // the exception uncaught, so onRefresh's refreshing.value = false never
+    // ran and PullRefresh stayed stuck in its loading state — a working pull
+    // gesture never dismissed it again until a full page reload.
+    try {
+      customer.value = await api.getMe()
+    } catch (e) {
+      console.log(e)
+    }
   }
   try {
     goldPrice.value = await api.getLatestGoldPrice()

apps/user-app/src/views/user/OrdersView.vue

@@ -49,6 +49,10 @@
 
     <Spinner :spinning="loading" tip="درحال دریافت اطلاعات">
       <PullRefresh v-model="refreshing" @refresh="onRefresh">
+      <template #pulling><Loading size="18" /></template>
+      <template #loosing><Loading size="18" /></template>
+      <template #loading><Loading size="18" /></template>
+      <template #success><span /></template>
       <container class="ord__body">
         <template v-if="filteredOrders.length">
           <div class="ord__list">
@@ -145,7 +149,7 @@
 <script setup lang="ts">
 import { computed, onMounted, reactive, ref } from 'vue'
 import { Drawer } from 'ant-design-vue'
-import { PullRefresh } from 'vant'
+import { Loading, PullRefresh } from 'vant'
 import Icon from '../../components/icon/Icon.vue'
 import PageBar from '../../components/ui/PageBar.vue'
 import Spinner from '../../components/Spinner.vue'

apps/user-app/src/views/user/ProfileView.vue

@@ -56,6 +56,25 @@
         </dl>
       </section>
 
+      <!-- D27 §12: the balance in the accounting software, re-read on every visit. -->
+      <section v-if="balance && balance.source !== 'none'" class="prof__block">
+        <SectionHead title="مانده‌ی حساب" :subtitle="balanceSubtitle" />
+        <dl class="prof__specs">
+          <div class="prof__spec">
+            <dt>مانده‌ی طلا</dt>
+            <dd :class="sideClass(balance.gold)">{{ grams(balance.gold) }} <small>{{ sideLabel(balance.gold) }}</small></dd>
+          </div>
+          <div class="prof__spec">
+            <dt>مانده‌ی ریالی</dt>
+            <dd :class="sideClass(balance.rial)">{{ rials(balance.rial) }} <small>{{ sideLabel(balance.rial) }}</small></dd>
+          </div>
+        </dl>
+      </section>
+      <section v-else-if="balanceLoading" class="prof__block">
+        <SectionHead title="مانده‌ی حساب" subtitle="در حال دریافت از حسابداری…" />
+        <div class="prof__specs prof__skeleton" />
+      </section>
+
       <section v-else-if="!loading" class="prof__empty">
         <Icon icon="vuesax-linear:user" size="26" />
         <p>اطلاعات حساب در دسترس نیست.</p>
@@ -85,7 +104,7 @@ import Icon from '../../components/icon/Icon.vue'
 import PageBar from '../../components/ui/PageBar.vue'
 import SectionHead from '../../components/home/SectionHead.vue'
 import { useSessionStore } from '../../stores/session'
-import { api, type CustomerDetail } from '../../api/client'
+import { api, type AccountingBalance, type CustomerDetail } from '../../api/client'
 
 const VERIFICATION_LABELS: Record<string, string> = {
   UNVERIFIED: 'احراز نشده',
@@ -112,8 +131,38 @@ const canCompleteProfile = computed(() => {
 
 const router = useRouter()
 
+// D27 §12 — fetched on its own, every time the page opens, so a slow
+// accounting server never holds up the profile itself.
+const balance = ref<AccountingBalance | null>(null)
+const balanceLoading = ref(false)
+
+const num = (v: string | null) => Number(v ?? 0)
+const sideLabel = (v: string | null) => (num(v) > 0 ? 'بدهکار' : num(v) < 0 ? 'بستانکار' : '')
+const sideClass = (v: string | null) => (num(v) > 0 ? 'is-debt' : num(v) < 0 ? 'is-credit' : '')
+const grams = (v: string | null) =>
+  `${Math.abs(num(v)).toLocaleString('fa-IR', { maximumFractionDigits: 3 })} گرم`
+const rials = (v: string | null) => `${Math.abs(num(v)).toLocaleString('fa-IR')} ریال`
+const balanceSubtitle = computed(() => {
+  const b = balance.value
+  if (!b?.at) return ''
+  const when = new Date(b.at).toLocaleString('fa-IR', { dateStyle: 'short', timeStyle: 'short' })
+  return b.source === 'stored' ? `آخرین مانده‌ی ثبت‌شده — ${when}` : `از ${b.provider ?? 'حسابداری'} — ${when}`
+})
+
+async function loadBalance() {
+  balanceLoading.value = true
+  try {
+    balance.value = await api.getAccountingBalance()
+  } catch {
+    balance.value = null
+  } finally {
+    balanceLoading.value = false
+  }
+}
+
 onMounted(async () => {
   if (!session.isLoggedIn) return
+  void loadBalance()
   loading.value = true
   try {
     customer.value = await api.getMe()
@@ -225,6 +274,24 @@ onMounted(async () => {
   text-align: left;
 }
 
+.prof__spec dd.is-debt {
+  color: @wine;
+}
+
+.prof__spec dd.is-credit {
+  color: @green;
+}
+
+.prof__spec dd small {
+  font-weight: 500;
+  font-size: 11px;
+}
+
+.prof__skeleton {
+  height: 92px;
+  background: @hairlineSoft;
+}
+
 .prof__empty {
   margin-top: 26px;
   padding: 34px 20px;