feat(admin): admin grant — raw benefits and by-product reward bundles
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The /_gm user card gains a Grant panel: grant raw benefit atoms (hints / no-ads days / forever) or a defined value product (a reward bundle, including an archived one), origin-picked. Both write an admin_grant ledger row via payments.Grant / GrantProduct; the by-product grant records the source product_id + snapshot. Both refuse a chips atom (never grant currency) or a tournament atom (no credit target yet); chips/tournament products are also kept out of the by-product picker. Tests: the console grant end to end (raw, by-product, refuse a chips pack, CSRF-guarded).
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@@ -319,10 +319,12 @@ cache. Identity-presence (which segments are awake, §6) is supplied by the call
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here, so unlink/re-link takes effect immediately.
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**Admin rewards.** An admin grants **concrete values only** (no-ads / hints) — **never
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chips** (a gifted currency balance = a store cash-desk bypass). The admin **picks the
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chips** (a gifted currency balance = a store cash-desk bypass). It grants either raw atoms or a
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**defined value product** (a reward bundle, which may be archived — hidden from the store but
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grantable); both refuse a `chips` or `tournament` atom. The admin **picks the
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origin** at grant time (compliance is on them: `origin=vk` point-wise/low-volume = low risk,
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`origin=direct` = safe). A grant is a ledger transaction of type `admin_grant`, price 0
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chips — full audit of rewards.
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chips (the by-product grant records the source `product_id` + snapshot) — full audit of rewards.
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**Per-user financial report** in the admin console `/_gm` — segment balances, payments,
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spends, grants, refunds, full history — as an extension of the existing user card
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