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

skills-lock.json

@@ -61,12 +61,24 @@
       "skillPath": "skills/minimalist-skill/SKILL.md",
       "computedHash": "08873a3131d3be27bef9bf3304b310b16b44ca6e3561aebe532797be3443f6bd"
     },
+    "receiving-code-review": {
+      "source": "obra/superpowers",
+      "sourceType": "github",
+      "skillPath": "skills/receiving-code-review/SKILL.md",
+      "computedHash": "3f56080356c62e4f74a183d7371686babc661e41a952dc67a97c2c76fe8a9329"
+    },
     "redesign-existing-projects": {
       "source": "leonxlnx/taste-skill",
       "sourceType": "github",
       "skillPath": "skills/redesign-skill/SKILL.md",
       "computedHash": "b405eee0e0e80fc243f731d9aa368bca307e356db7e6157d27101d369dac6726"
     },
+    "requesting-code-review": {
+      "source": "obra/superpowers",
+      "sourceType": "github",
+      "skillPath": "skills/requesting-code-review/SKILL.md",
+      "computedHash": "cde520e9118d7e6b74b5ab0123cff2f68d9c07bddb3f82c997753b6126600aed"
+    },
     "stitch-design-taste": {
       "source": "leonxlnx/taste-skill",
       "sourceType": "github",