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/deposit/deposit.service.spec.ts

@@ -47,6 +47,8 @@ describe('DepositService', () => {
     getInboxNotifySettings: jest.fn().mockResolvedValue({
       inboxEnabled: true,
       deposit: true,
+      banner: true,
+      announcement: true,
     }),
   };