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

scripts/resolve-dev-api-target.mjs

@@ -0,0 +1,17 @@
+import { existsSync, readFileSync } from 'node:fs';
+import { resolve, dirname } from 'node:path';
+import { fileURLToPath } from 'node:url';
+
+const root = resolve(dirname(fileURLToPath(import.meta.url)), '..');
+const envPath = resolve(root, 'apps/api/.env');
+
+/** 读取 apps/api/.env 的 PORT，供 Vite 代理与 dev 脚本共用 */
+export function resolveDevApiPort(fallback = '3000') {
+  if (!existsSync(envPath)) return fallback;
+  const match = readFileSync(envPath, 'utf8').match(/^PORT=(\d+)/m);
+  return match?.[1] ?? fallback;
+}
+
+export function resolveDevApiTarget(fallbackPort = '3000') {
+  return `http://127.0.0.1:${resolveDevApiPort(fallbackPort)}`;
+}