docs: 新增 AI 代理学习偏好与信用盘术语规范

feat: 优化登录与入口页面加载体验

- 为登录页面添加 Suspense 边界，统一 fallback 样式
- 重构入口守卫逻辑，在布局阶段处理未登录重定向，避免闪烁
- 登录页面支持会话过期提示，并自动清理 URL 参数

feat: 信用盘与钱包盘文案差异化展示

- 底部导航「钱包」标签在信用盘模式下显示为「信用」
- 大厅余额条在信用盘模式下使用「可

src/components/layout/player-bottom-nav.tsx

@@ -7,7 +7,9 @@ import { BarChart3, ClipboardList, Home, Wallet } from "lucide-react";
 import { useTranslation } from "react-i18next";
 
 import { playerViewportFixedBarClass } from "@/lib/player-viewport";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { cn } from "@/lib/utils";
+import { usePlayerSessionStore } from "@/stores/player-session-store";
 
 const tabs = [
   {
@@ -34,7 +36,9 @@ const tabs = [
   {
     href: "/wallet",
     labelKey: "nav.wallet",
+    creditLabelKey: "nav.credit",
     labelDefault: "钱包",
+    creditLabelDefault: "信用",
     icon: Wallet,
     match: (p: string) => p === "/wallet" || p.startsWith("/wallet/"),
   },
@@ -46,6 +50,7 @@ const tabs = [
 export function PlayerBottomNav() {
   const pathname = usePathname() ?? "";
   const { t } = useTranslation("player");
+  const creditMode = isCreditFundingPlayer(usePlayerSessionStore((state) => state.profile));
 
   return (
     <nav
@@ -56,9 +61,13 @@ export function PlayerBottomNav() {
       aria-label={t("nav.aria")}
     >
       <div className="grid h-14 w-full grid-cols-4 grid-rows-1">
-        {tabs.map(({ href, labelKey, labelDefault, icon: Icon, match }) => {
+        {tabs.map(({ href, labelKey, labelDefault, icon: Icon, match, ...tab }) => {
           const active = match(pathname);
-          const label = t(labelKey, { defaultValue: labelDefault });
+          const creditLabelKey = "creditLabelKey" in tab ? tab.creditLabelKey : undefined;
+          const creditLabelDefault = "creditLabelDefault" in tab ? tab.creditLabelDefault : undefined;
+          const label = creditMode && creditLabelKey
+            ? t(creditLabelKey, { defaultValue: creditLabelDefault ?? labelDefault })
+            : t(labelKey, { defaultValue: labelDefault });
           return (
             <Link
               key={href}