feat(web): 积分中心 - 改为全局弹窗并去掉独立钱包页

顶栏、账户菜单、命令面板、画布余额和 /wallet 回跳都打开同一积分中心弹窗，支付结果不再跳进整页超市。

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

web/src/hooks/use-wallet-balance.ts

@@ -1,13 +1,18 @@
 import { useQuery, useQueryClient } from "@tanstack/react-query";
 import { useEffect } from "react";
 
-import { getWallet } from "@/services/api/wallet";
+import { getWallet, type WalletSummary } from "@/services/api/wallet";
 
 // 余额不是页面心跳数据。工作区内多个位置共享同一个 Query，只在首次进入、显式
 // wallet:updated 事件或用户主动刷新时访问服务端，避免常驻布局产生永久轮询。
 const WALLET_STALE_TIME_MS = 5 * 60_000;
 const walletBalanceQueryKey = (userId: string) => ["wallet-balance", userId] as const;
 
+export type WalletSnapshot = {
+    availableMicrocredits: number;
+    policy: WalletSummary["policy"];
+};
+
 export function useWalletBalance(userId?: string, enabled = true) {
     const activeUserId = enabled ? userId || "" : "";
     const queryClient = useQueryClient();
@@ -15,10 +20,10 @@ export function useWalletBalance(userId?: string, enabled = true) {
     const query = useQuery({
         queryKey,
         enabled: Boolean(activeUserId),
-        queryFn: async () => {
+        queryFn: async (): Promise<WalletSnapshot> => {
             const wallet = await getWallet(1, 1);
             if (wallet.account.userId !== activeUserId) throw new Error("积分账户与当前用户不一致");
-            return wallet.account.availableMicrocredits;
+            return { availableMicrocredits: wallet.account.availableMicrocredits, policy: wallet.policy };
         },
         staleTime: WALLET_STALE_TIME_MS,
         refetchOnWindowFocus: false,
@@ -38,7 +43,8 @@ export function useWalletBalance(userId?: string, enabled = true) {
     }, [query.error]);
 
     return {
-        availableMicrocredits: query.data ?? null,
+        availableMicrocredits: query.data?.availableMicrocredits ?? null,
+        policy: query.data?.policy ?? null,
         refreshing: query.isFetching,
         refresh: query.refetch,
     };