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-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>
         ) : (