feat(ads): rewarded video (VK) — client-attested credit + daily/hourly caps

The first ads slice: a voluntary rewarded video credits chips. VK Mini App ads
(VKWebAppShowNativeAds) expose only a client-side watch result — no
server-to-server verify — so the credit is client-attested, guarded by a server
daily + hourly cap (config reward_daily_cap / reward_hourly_cap, default 50 / 10).
The caps are both anti-abuse (bounding a forger who skips the ad and calls the
endpoint directly) and an economic conversion lever (limiting free chips so a
player who wants more buys). D29 amended to VK's reality.

Backend: CreditReward (VK-only, order-less, idempotent on a client nonce, floored
by the caps; payout from config rewarded_payout_chips, default 0 = off) + the
wallet.reward edge op returning the updated wallet (reward_chips gates the
"watch for chips" CTA). Additive migration (two config columns).

Client: the ads-network abstraction (lib/ads.ts, VK impl) + the VK bridge
(vkRewardedReady / vkShowRewarded) + the Wallet CTA + i18n. A contour test stub
(VITE_ADS_STUB -> a toast instead of a real ad; prod always real) and a temporary
diagnostic that logs the raw VK data, so we confirm on the contour exactly what
VK returns (harden to signature-verify if it carries one).

Tests: backend integration (credit, nonce idempotency, hourly cap, disabled,
non-VK refusal) + codec unit (reward wire). Docs: PAYMENTS(+ru) §10, D29 amend,
PLAN E6. Bundle: shared budget 30->31 (reward i18n strings).

pkg/fbs/scrabblefb/Wallet.go

@@ -97,8 +97,20 @@ func (rcv *Wallet) MutateHints(n int32) bool {
 	return rcv._tab.MutateInt32Slot(10, n)
 }
 
+func (rcv *Wallet) RewardChips() int32 {
+	o := flatbuffers.UOffsetT(rcv._tab.Offset(12))
+	if o != 0 {
+		return rcv._tab.GetInt32(o + rcv._tab.Pos)
+	}
+	return 0
+}
+
+func (rcv *Wallet) MutateRewardChips(n int32) bool {
+	return rcv._tab.MutateInt32Slot(12, n)
+}
+
 func WalletStart(builder *flatbuffers.Builder) {
-	builder.StartObject(4)
+	builder.StartObject(5)
 }
 func WalletAddSegments(builder *flatbuffers.Builder, segments flatbuffers.UOffsetT) {
 	builder.PrependUOffsetTSlot(0, flatbuffers.UOffsetT(segments), 0)
@@ -115,6 +127,9 @@ func WalletAddAdsPaidUntilMs(builder *flatbuffers.Builder, adsPaidUntilMs int64)
 func WalletAddHints(builder *flatbuffers.Builder, hints int32) {
 	builder.PrependInt32Slot(3, hints, 0)
 }
+func WalletAddRewardChips(builder *flatbuffers.Builder, rewardChips int32) {
+	builder.PrependInt32Slot(4, rewardChips, 0)
+}
 func WalletEnd(builder *flatbuffers.Builder) flatbuffers.UOffsetT {
 	return builder.EndObject()
 }

pkg/fbs/scrabblefb/WalletRewardRequest.go

@@ -0,0 +1,71 @@
+// Code generated by the FlatBuffers compiler. DO NOT EDIT.
+
+package scrabblefb
+
+import (
+	flatbuffers "github.com/google/flatbuffers/go"
+)
+
+type WalletRewardRequest struct {
+	_tab flatbuffers.Table
+}
+
+func GetRootAsWalletRewardRequest(buf []byte, offset flatbuffers.UOffsetT) *WalletRewardRequest {
+	n := flatbuffers.GetUOffsetT(buf[offset:])
+	x := &WalletRewardRequest{}
+	x.Init(buf, n+offset)
+	return x
+}
+
+func FinishWalletRewardRequestBuffer(builder *flatbuffers.Builder, offset flatbuffers.UOffsetT) {
+	builder.Finish(offset)
+}
+
+func GetSizePrefixedRootAsWalletRewardRequest(buf []byte, offset flatbuffers.UOffsetT) *WalletRewardRequest {
+	n := flatbuffers.GetUOffsetT(buf[offset+flatbuffers.SizeUint32:])
+	x := &WalletRewardRequest{}
+	x.Init(buf, n+offset+flatbuffers.SizeUint32)
+	return x
+}
+
+func FinishSizePrefixedWalletRewardRequestBuffer(builder *flatbuffers.Builder, offset flatbuffers.UOffsetT) {
+	builder.FinishSizePrefixed(offset)
+}
+
+func (rcv *WalletRewardRequest) Init(buf []byte, i flatbuffers.UOffsetT) {
+	rcv._tab.Bytes = buf
+	rcv._tab.Pos = i
+}
+
+func (rcv *WalletRewardRequest) Table() flatbuffers.Table {
+	return rcv._tab
+}
+
+func (rcv *WalletRewardRequest) Nonce() []byte {
+	o := flatbuffers.UOffsetT(rcv._tab.Offset(4))
+	if o != 0 {
+		return rcv._tab.ByteVector(o + rcv._tab.Pos)
+	}
+	return nil
+}
+
+func (rcv *WalletRewardRequest) Diag() []byte {
+	o := flatbuffers.UOffsetT(rcv._tab.Offset(6))
+	if o != 0 {
+		return rcv._tab.ByteVector(o + rcv._tab.Pos)
+	}
+	return nil
+}
+
+func WalletRewardRequestStart(builder *flatbuffers.Builder) {
+	builder.StartObject(2)
+}
+func WalletRewardRequestAddNonce(builder *flatbuffers.Builder, nonce flatbuffers.UOffsetT) {
+	builder.PrependUOffsetTSlot(0, flatbuffers.UOffsetT(nonce), 0)
+}
+func WalletRewardRequestAddDiag(builder *flatbuffers.Builder, diag flatbuffers.UOffsetT) {
+	builder.PrependUOffsetTSlot(1, flatbuffers.UOffsetT(diag), 0)
+}
+func WalletRewardRequestEnd(builder *flatbuffers.Builder) flatbuffers.UOffsetT {
+	return builder.EndObject()
+}