feat(admin+api): 代理停用默认、结算加固与冒烟配置探针

- 代理层级默认授信比例与停用冻结/禁登全局默认

- 结算预览去重、比分校验、串关当场判负与市场类型校验

- 站内信 Banner/公告自动通知开关；开发环境动态 API 端口

- 扩充 RBAC/结算/认证/返现单元测试与 agent skills

apps/api/src/domains/agent/agents.service.ts

@@ -40,6 +40,15 @@ export class AgentsService {
     return agentLevel < maxLevel;
   }
 
+  /** 与 Admin 创建下级代理预填逻辑一致：可用授信 × 比例（%），非 100% 时向下取整到百位 */
+  computeDefaultSubAgentCredit(availableCredit: number, ratioPercent: number): number {
+    if (availableCredit <= 0) return 0;
+    const pct = Math.min(100, Math.max(1, ratioPercent)) / 100;
+    const raw = availableCredit * pct;
+    const rounded = pct >= 1 ? availableCredit : Math.floor(raw / 100) * 100;
+    return Math.min(availableCredit, Math.max(0, rounded));
+  }
+
   private async buildAgentAncestorChainMap(parentAgentIds: (bigint | null | undefined)[]) {
     return this.network.buildAgentAncestorChainMap(parentAgentIds);
   }
@@ -923,11 +932,17 @@ export class AgentsService {
       });
     }
 
-    // Handle status change (per-action cascade freeze / login block)
+    // Handle status change (per-action cascade freeze / login block; 未传参时用全局默认)
     if (data.status) {
       const profilePatch: Prisma.AgentProfileUpdateInput = { status: data.status };
+      let freezeDirectPlayers = false;
       if (data.status === 'SUSPENDED') {
-        profilePatch.blockDirectPlayerLogin = data.blockDirectPlayerLogin === true;
+        const suspendDefaults = await this.systemConfig.getAgentSuspendSettings();
+        const blockDirectPlayerLogin =
+          data.blockDirectPlayerLogin ?? suspendDefaults.suspendBlockPlayerLogin;
+        freezeDirectPlayers =
+          data.freezeDirectPlayers ?? suspendDefaults.suspendFreezeDirectPlayers;
+        profilePatch.blockDirectPlayerLogin = blockDirectPlayerLogin === true;
       } else if (data.status === 'ACTIVE') {
         profilePatch.blockDirectPlayerLogin = false;
       }
@@ -943,7 +958,7 @@ export class AgentsService {
         }),
       ]);
 
-      if (data.status === 'SUSPENDED' && data.freezeDirectPlayers) {
+      if (data.status === 'SUSPENDED' && freezeDirectPlayers) {
         await this.prisma.user.updateMany({
           where: { parentId: agentId, userType: 'PLAYER', deletedAt: null },
           data: { status: 'SUSPENDED' },
@@ -1156,20 +1171,31 @@ export class AgentsService {
   ) {
     await this.validateAgentLevel(data.level, data.parentAgentId);
 
+    let resolvedCreditLimit = data.creditLimit;
     let resolvedCashbackRate = data.cashbackRate ?? 0;
     if (data.parentAgentId) {
       const parentProfile = await this.prisma.agentProfile.findUnique({
         where: { userId: data.parentAgentId },
-        select: { cashbackRate: true },
+        select: { cashbackRate: true, creditLimit: true, usedCredit: true },
       });
       resolvedCashbackRate =
         data.cashbackRate ?? (parentProfile ? Number(parentProfile.cashbackRate) : 0);
+      if (resolvedCreditLimit === undefined && parentProfile) {
+        const hierarchy = await this.systemConfig.getAgentHierarchySettings();
+        const available = new Decimal(parentProfile.creditLimit).sub(parentProfile.usedCredit);
+        resolvedCreditLimit = this.computeDefaultSubAgentCredit(
+          available.toNumber(),
+          hierarchy.defaultSubAgentCreditRatio,
+        );
+      }
       await this.assertChildAgentWithinParent(data.parentAgentId, {
-        creditLimit: data.creditLimit ?? 0,
+        creditLimit: resolvedCreditLimit ?? 0,
         cashbackRate: resolvedCashbackRate,
         maxSingleDeposit: data.maxSingleDeposit,
         maxDailyDeposit: data.maxDailyDeposit,
       });
+    } else if (resolvedCreditLimit === undefined) {
+      resolvedCreditLimit = 0;
     }
 
     const maxSingleDeposit = this.normalizeOptionalLimit(data.maxSingleDeposit);
@@ -1208,7 +1234,7 @@ export class AgentsService {
           userId: user.id,
           level: data.level,
           parentAgentId: data.parentAgentId,
-          creditLimit: data.creditLimit ?? 0,
+          creditLimit: resolvedCreditLimit ?? 0,
           cashbackRate: resolvedCashbackRate,
           maxSingleDeposit,
           maxDailyDeposit,