feat: require compliance confirmation for paid features

Gate payment, redemption, subscription, and invitation reward flows behind an audited compliance acknowledgement.

web/default/src/features/system-settings/billing/index.tsx

@@ -66,6 +66,11 @@ const defaultBillingSettings: BillingSettings = {
   PayMethods: '',
   'payment_setting.amount_options': '',
   'payment_setting.amount_discount': '',
+  'payment_setting.compliance_confirmed': false,
+  'payment_setting.compliance_terms_version': '',
+  'payment_setting.compliance_confirmed_at': 0,
+  'payment_setting.compliance_confirmed_by': 0,
+  'payment_setting.compliance_confirmed_ip': '',
   StripeApiSecret: '',
   StripeWebhookSecret: '',
   StripePriceId: '',

web/default/src/features/system-settings/billing/section-registry.tsx

@@ -71,6 +71,10 @@ const BILLING_SECTIONS = [
               settings['quota_setting.enable_free_model_pre_consume'],
           },
         }}
+        complianceConfirmed={
+          (settings['payment_setting.compliance_confirmed'] ?? false) &&
+          settings['payment_setting.compliance_terms_version'] === 'v1'
+        }
       />
     ),
   },
@@ -187,6 +191,13 @@ const BILLING_SECTIONS = [
           WaffoPancakeUnitPrice: settings.WaffoPancakeUnitPrice ?? 1,
           WaffoPancakeMinTopUp: settings.WaffoPancakeMinTopUp ?? 1,
         }}
+        complianceDefaults={{
+          confirmed: settings['payment_setting.compliance_confirmed'] ?? false,
+          termsVersion:
+            settings['payment_setting.compliance_terms_version'] ?? '',
+          confirmedAt: settings['payment_setting.compliance_confirmed_at'] ?? 0,
+          confirmedBy: settings['payment_setting.compliance_confirmed_by'] ?? 0,
+        }}
       />
     ),
   },