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/quality-owner/api/qualityOwner.ts

@@ -0,0 +1,38 @@
+import { apiClient } from '@/shared/api/client'
+import type { ApiResponse } from '@/shared/types/types'
+import type { PaymentOrder, PaymentPayWay } from '@/features/orders/api/orders'
+
+export interface QualityOwnerStatus {
+  user_id: number
+  active: boolean
+  status: 'none' | 'active' | string
+  deposit_amount_cent: number
+  deposit_source: 'paid' | 'manual' | '' | string
+  activated_at?: string
+  available_balance_cent: number
+  required_deposit_cent: number
+  insurance_fee_bps: number
+  premium_insurance_fee_bps: number
+}
+
+export async function fetchQualityOwnerStatus() {
+  const { data } = await apiClient.get<ApiResponse<QualityOwnerStatus>>('/quality-owner/status')
+  return data.data
+}
+
+export async function activateQualityOwner() {
+  const { data } = await apiClient.post<ApiResponse<QualityOwnerStatus>>('/quality-owner/activate')
+  return data.data
+}
+
+export async function startQualityOwnerPayment(payWay: PaymentPayWay) {
+  const { data } = await apiClient.post<ApiResponse<PaymentOrder>>('/quality-owner/payment', {
+    pay_way: payWay,
+  })
+  return data.data
+}
+
+export async function queryQualityOwnerPayment() {
+  const { data } = await apiClient.get<ApiResponse<PaymentOrder>>('/quality-owner/payment')
+  return data.data
+}