feat(admin, settlement, dashboard): strengthen permission gating and billing workflows

src/hooks/use-async-effect.ts

@@ -6,15 +6,22 @@ import { useEffect, useRef, type DependencyList } from "react";
  * 在依赖变化时执行异步副作用；factory 始终用最新闭包，但不必把 `t` 等不稳定引用放进 deps。
  */
 export function useAsyncEffect(
-  factory: () => void | Promise<void>,
+  factory: () => void | (() => void) | Promise<void>,
   deps: DependencyList,
 ): void {
   const factoryRef = useRef(factory);
   factoryRef.current = factory;
 
   useEffect(() => {
+    let cleanup: void | (() => void);
     queueMicrotask(() => {
-      void factoryRef.current();
+      void Promise.resolve(factoryRef.current()).then((result) => {
+        cleanup = result;
+      });
     });
+
+    return () => {
+      cleanup?.();
+    };
   }, deps);
 }