Ilia Denisov
1c06d1d0d1
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Stand up the internal chip/benefit mechanic behind the narrow payments interface: context-aware balances and benefits, an atomic chip spend, admin grants as zero-price value sales, the one-directional store-compliance gate (VK/TG same- origin only, web draws direct→vk→tg, VK-iOS frozen, untrusted fail-closed), and per-origin hint and no-ads application with term stacking. Reads are served from an in-process, account-keyed write-through cache (mirroring the suspension gate), so hot paths issue no query to the payments schema. Flip the online-game hint wallet and the ad-banner suppression from the deprecated accounts.hint_balance / paid_account columns to the payments benefit (a hint balance no longer suppresses the banner — only a no-ads benefit does), and fold chip segments and benefits by origin on account merge, inside the merge tx. Add the GET/POST /api/v1/user/wallet edge chain (REST → Connect → FlatBuffers) plus its codec unit test; no wallet UI yet. Bring the frozen owner decisions log into the repo at docs/PAYMENTS_DECISIONS_ru.md (it was untracked under .vscode) and reference it from PLAN.md; record the read-cache design and the present-sources interface in PLAN.md and docs/PAYMENTS.md (+ RU mirror).