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/wallet/wallet-logs-block.tsx

@@ -24,9 +24,8 @@ export const WALLET_FLOW_FILTERS: { value: string; labelKey: string }[] = [
 export const CREDIT_FLOW_FILTERS: { value: string; labelKey: string }[] = [
   { value: "", labelKey: "wallet.creditFlow.all" },
   { value: "bet", labelKey: "wallet.creditFlow.bet" },
-  { value: "prize", labelKey: "wallet.creditFlow.prize" },
-  { value: "refund", labelKey: "wallet.creditFlow.refund" },
-  { value: "reversal", labelKey: "wallet.creditFlow.reversal" },
+  { value: "credit_release", labelKey: "wallet.creditFlow.credit_release" },
+  { value: "bill_settlement", labelKey: "wallet.creditFlow.bill_settlement" },
 ];
 
 const FLOW_LABEL_FALLBACKS: Record<string, string> = {
@@ -38,10 +37,12 @@ const FLOW_LABEL_FALLBACKS: Record<string, string> = {
   "wallet.flow.refund": "退款",
   "wallet.flow.reversal": "冲正",
   "wallet.creditFlow.all": "全部",
-  "wallet.creditFlow.bet": "下注占用",
-  "wallet.creditFlow.prize": "派奖释放",
-  "wallet.creditFlow.refund": "退款返还",
-  "wallet.creditFlow.reversal": "冲正回退",
+  "wallet.creditFlow.bet": "占用额度",
+  "wallet.creditFlow.credit_release": "释额",
+  "wallet.creditFlow.bill_settlement": "账期收付",
+  "wallet.creditFlow.win_credit": "中奖释额",
+  "wallet.creditFlow.refund": "账期确认释额",
+  "wallet.creditFlow.reversal": "退本释额",
 };
 
 export function logTypeLabel(
@@ -97,13 +98,6 @@ export function WalletLogsBlock({
     ?? (creditMode
       ? t("wallet.creditFlowsTitle", { defaultValue: "信用流水" })
       : t("wallet.flowsTitle", { defaultValue: "钱包流水" }));
-  const channelHint = creditMode
-    ? t("wallet.playerChannel.credit", {
-        defaultValue: "信用盘玩家（占用与释放额度流水）",
-      })
-    : t("wallet.playerChannel.wallet", {
-        defaultValue: "主站钱包玩家（划转与钱包余额流水）",
-      });
   const filters = useMemo(() => {
     const source = creditMode ? CREDIT_FLOW_FILTERS : WALLET_FLOW_FILTERS;
     return source.map((f) => ({
@@ -118,7 +112,6 @@ export function WalletLogsBlock({
         <div className="flex flex-col gap-2">
           <div>
             <h2 className="text-sm font-black text-[#0b3f96]">{resolvedTitle}</h2>
-            <p className="mt-0.5 text-[11px] font-medium text-slate-500">{channelHint}</p>
           </div>
           <div className="flex flex-wrap gap-1.5">
             {filters.map((f) => (
@@ -152,7 +145,9 @@ export function WalletLogsBlock({
             <ul className="space-y-2">
               {logs.items.length === 0 ? (
                 <li className="rounded-lg border border-dashed py-8 text-center text-sm text-muted-foreground">
-                  {t("wallet.emptyLogs")}
+                  {t(creditMode ? "wallet.emptyCreditLogs" : "wallet.emptyLogs", {
+                    defaultValue: creditMode ? "暂无信用流水" : "暂无流水",
+                  })}
                 </li>
               ) : (
                 logs.items.map((row) => (
@@ -219,7 +214,7 @@ export function LogRow({
       <div className="flex items-start justify-between gap-3">
         <div className="min-w-0 flex-1">
           <div className="flex items-center gap-2">
-            <span className={isIn ? "size-2.5 rounded-full bg-emerald-500" : "size-2.5 rounded-full bg-[#0b3f96]"} aria-hidden />
+            <span className={isIn ? "size-2.5 rounded-full bg-emerald-500" : "size-2.5 rounded-full bg-[#e5002c]"} aria-hidden />
             <p className="truncate text-base font-black leading-tight text-[#101a33]">
               {logTypeLabel(item.type, t, creditMode)}
             </p>
@@ -235,7 +230,7 @@ export function LogRow({
         </div>
 
         <div className="flex shrink-0 flex-col items-end gap-2 text-right">
-          <p className={isIn ? "text-lg font-black tabular-nums text-emerald-600" : "text-lg font-black tabular-nums text-[#0b3f96]"}>
+          <p className={isIn ? "text-lg font-black tabular-nums text-emerald-600" : "text-lg font-black tabular-nums text-[#e5002c]"}>
             {isIn ? "+" : "−"}
             {formatMinorAsCurrency(item.amount_abs, ccy)}
           </p>
@@ -246,12 +241,24 @@ export function LogRow({
       </div>
 
       <div className="mt-3 flex items-center justify-between rounded-xl bg-[#f8fbff] px-3 py-2 text-xs">
-        <span className="font-semibold text-slate-500">
-          {creditMode ? t("wallet.creditAvailableAfter") : t("wallet.balanceAfter")}
-        </span>
-        <span className="font-mono font-black tabular-nums text-[#32518d]">
-          {formatMinorAsCurrency(item.balance_after, ccy)}
-        </span>
+        {creditMode && item.affects_available_credit === false ? (
+          <span className="font-medium text-slate-500">
+            {t("wallet.creditPaymentRecordOnly", {
+              defaultValue: "账期收付记账，不计入可用信用",
+            })}
+          </span>
+        ) : (
+          <>
+            <span className="font-semibold text-slate-500">
+              {creditMode ? t("wallet.creditAvailableAfter") : t("wallet.balanceAfter")}
+            </span>
+            <span className="font-mono font-black tabular-nums text-[#32518d]">
+              {item.balance_after != null
+                ? formatMinorAsCurrency(item.balance_after, ccy)
+                : "—"}
+            </span>
+          </>
+        )}
       </div>
     </li>
   );

src/features/wallet/wallet-logs-screen.tsx

@@ -10,6 +10,7 @@ import { WalletLogsBlock } from "@/features/wallet/wallet-logs-block";
 import { dispatchWalletLogsRefresh } from "@/hooks/use-pending-wallet-reconcile";
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
 import { PLAYER_CURRENCY_CHANGE_EVENT } from "@/lib/player-currency-preference";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { formatWalletClientError } from "@/lib/wallet-api-error";
 import { getWalletLogsLastPage, type WalletLogsData } from "@/types/api/wallet-logs";
 
@@ -106,9 +107,17 @@ export function WalletLogsScreen() {
 
   return (
     <PlayerPanel
-      title={t("wallet.logsTitle")}
+      title={
+        creditMode
+          ? t("wallet.creditLogsTitle", { defaultValue: "信用流水" })
+          : t("wallet.logsTitle")
+      }
       backHref="/wallet"
-      backLabel={t("wallet.title")}
+      backLabel={
+        creditMode
+          ? t("wallet.creditTitle", { defaultValue: "信用" })
+          : t("wallet.title")
+      }
     >
       <div className="space-y-3">
         {error ? (

src/features/wallet/wallet-screen.tsx

@@ -16,6 +16,7 @@ import {
 import { WalletLogsBlock } from "@/features/wallet/wallet-logs-block";
 import { dispatchWalletLogsRefresh } from "@/hooks/use-pending-wallet-reconcile";
 import { useActivePlayerCurrency } from "@/hooks/use-active-player-currency";
+import { isCreditFundingPlayer } from "@/lib/player-funding-mode";
 import { formatMinorAsCurrency } from "@/lib/money";
 import { PLAYER_CURRENCY_CHANGE_EVENT } from "@/lib/player-currency-preference";
 import { formatWalletClientError } from "@/lib/wallet-api-error";
@@ -117,8 +118,7 @@ export function WalletScreen() {
 
   const hasMore = logs ? logs.page < getWalletLogsLastPage(logs) : false;
 
-  const isCreditPlayer =
-    balance?.credit_line_mode === true || balance?.funding_mode === "credit";
+  const isCreditPlayer = isCreditFundingPlayer(balance);
   const displayMinor = isCreditPlayer
     ? Number(balance?.available_balance ?? 0)
     : Number(balance?.balance ?? 0);
@@ -155,7 +155,9 @@ export function WalletScreen() {
   }, [hasMore, loadMore, loading, loadingMore, logsLoading]);
 
   return (
-    <PlayerPanel title={t("wallet.title")}>
+    <PlayerPanel
+      title={isCreditPlayer ? t("wallet.creditTitle", { defaultValue: "信用" }) : t("wallet.title")}
+    >
       <div className="space-y-3">
         {error ? (
           <div className="rounded-xl border border-red-200 bg-red-50 px-3 py-3 text-sm text-red-700">
@@ -213,7 +215,8 @@ export function WalletScreen() {
         {isCreditPlayer ? (
           <p className="rounded-xl border border-[#d6e4ff] bg-[#f5f9ff] px-3 py-3 text-sm text-[#0b3f96]/85">
             {t("wallet.creditNoTransferHint", {
-              defaultValue: "信用盘账号由代理授信，无需主站转入转出；额度调整请联系代理。",
+              defaultValue:
+                "由代理授信，无需主站转入转出；中奖不即时派彩，盈亏在账期统一结算，额度调整请联系代理。",
             })}
           </p>
         ) : (