feat(quality-owner): 增加优质号主、极品专区与无忧租号保险

- 支持保证金余额支付、在线支付开通及后台手动设置审计
- 新增极品专区发布权限、赔付方案与保险结算费率快照
- 优化首页、商品卡和个人中心的优质号主身份展示

frontend/src/features/admin/api/adminUsers.ts

@@ -21,6 +21,10 @@ export interface AdminUserItem {
   renter_growth_level_name: string
   available_balance_cent: number
   frozen_balance_cent: number
+  quality_owner_status: 'none' | 'active' | string
+  quality_owner_deposit_cent: number
+  quality_owner_deposit_source: 'paid' | 'manual' | '' | string
+  quality_owner_activated_at?: string
   status: UserStatus
   order_count: number
   listing_count: number
@@ -46,6 +50,7 @@ export interface AdminUserQuery {
   keyword?: string
   status?: '' | UserStatus
   has_deposit_free_quota?: boolean
+  quality_owner_only?: boolean
 }
 
 export async function fetchAdminUsers(page = 1, pageSize = 20, query: AdminUserQuery = {}) {
@@ -53,6 +58,7 @@ export async function fetchAdminUsers(page = 1, pageSize = 20, query: AdminUserQ
   if (query.keyword) params.keyword = query.keyword
   if (query.status) params.status = query.status
   if (query.has_deposit_free_quota) params.has_deposit_free_quota = true
+  if (query.quality_owner_only) params.quality_owner_only = true
   const { data } = await apiClient.get<ApiResponse<PaginatedResult<AdminUserItem>>>(
     '/admin/users',
     {
@@ -128,3 +134,14 @@ export async function adjustAdminUserWallet(id: number, payload: AdminWalletAdju
   )
   return data.data
 }
+
+export async function setAdminUserQualityOwner(
+  id: number,
+  payload: { enabled: boolean; reason: string }
+) {
+  const { data } = await apiClient.post<ApiResponse<unknown>>(
+    `/admin/users/${id}/quality-owner`,
+    payload
+  )
+  return data.data
+}