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/features/hall/hall-wallet-strip.tsx

@@ -15,6 +15,7 @@ import {
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
 import { useApiQuery } from "@/hooks/use-api-query";
 import { formatMinorAsCurrency } from "@/lib/money";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { PLAYER_CURRENCY_CHANGE_EVENT } from "@/lib/player-currency-preference";
 import { cn } from "@/lib/utils";
 import { useNetworkConnectionStore } from "@/stores/network-connection-store";
@@ -60,15 +61,21 @@ export function HallWalletStrip() {
   }, [isDegraded]);
 
   const availableMinor = Number(balance?.available_balance ?? balance?.balance ?? 0);
-  const isCreditPlayer =
-    balance?.credit_line_mode === true || balance?.funding_mode === "credit";
+  const isCreditPlayer = isCreditFundingPlayer(balance);
   const mainMinor =
     balance?.main_balance === null || balance?.main_balance === undefined
       ? null
       : Number(balance.main_balance);
 
   return (
-    <section className="mb-3 space-y-2.5" aria-label={t("wallet.balance")}>
+    <section
+      className="mb-3 space-y-2.5"
+      aria-label={
+        isCreditPlayer
+          ? t("wallet.creditAvailable", { defaultValue: "可用信用" })
+          : t("wallet.balance")
+      }
+    >
       <div
         className={cn(
           "relative overflow-hidden rounded-xl bg-[#e5002c] px-3 py-3 text-white shadow-[0_10px_28px_rgba(229,0,44,0.25)]",
@@ -87,7 +94,7 @@ export function HallWalletStrip() {
           </div>
           <div className="min-w-0 flex-1">
             <p className="text-sm font-semibold text-white/90">
-              {balance?.credit_line_mode
+              {isCreditPlayer
                 ? t("wallet.creditAvailable", { defaultValue: "可用信用" })
                 : t("wallet.balance")}
             </p>