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).
Ilia Denisov