feat: enhance player authentication and agent management features

- Updated AGENTS.md to clarify player interface bindings and agent account restrictions.
- Improved PlayerAuthLoginController to include captcha verification for player login.
- Enhanced AdminPlayerIndexController with permission checks for admin users.
- Refactored AdminPlayerStoreController to enforce agent node restrictions for non-super admins.
- Introduced new error codes for player authentication failures and updated related services.
- Enhanced validation rules for agent profiles to include settlement cycle options.
- Improved AdminCaptchaService to support separate scopes for admin and player captcha handling.
- Updated various services to ensure proper credit management and settlement processes.

app/Support/CreditAmountScale.php

@@ -35,7 +35,9 @@ final class CreditAmountScale
         return $major * self::minorUnitFactor($currencyCode);
     }
 
-    /** 最小单位 → 主货币整数（四舍五入）。 */
+    /**
+     * 最小单位 → 主货币整数（占用授信时向上取整，与 preflight 按 major 校验一致）。
+     */
     public static function minorToMajor(int $minor, string $currencyCode): int
     {
         $factor = self::minorUnitFactor($currencyCode);
@@ -43,10 +45,10 @@ final class CreditAmountScale
             return $minor;
         }
 
-        if ($minor >= 0) {
-            return intdiv($minor + intdiv($factor, 2), $factor);
+        if ($minor <= 0) {
+            return 0;
         }
 
-        return -intdiv(-$minor + intdiv($factor, 2), $factor);
+        return intdiv($minor + $factor - 1, $factor);
     }
 }