feat(billing): enforce image generation quota with admin API and user display

Add period_images_bonus and ledger tracking, gate image_make on remaining quota,
expose admin image-quota routes, show remaining image quota in the balance popover,
and document that admin UI must live in memind_adm (5174) not ops.

Co-authored-by: Cursor <cursoragent@cursor.com>

admin-routes.mjs

@@ -1068,6 +1068,91 @@ export function createAdminApi({
     res.json({ expiredCount: count });
   });
 
+  // ── Image generation quota ────────────────────────────────────────────────
+
+  adminApi.get('/image-quota/config', requireAdmin, async (_req, res) => {
+    const planCatalogService = subscriptionService?._planCatalogService;
+    if (!planCatalogService?.listPlans) {
+      return res.status(503).json({ message: '套餐目录服务未启用' });
+    }
+    const plans = await planCatalogService.listPlans();
+    res.json({
+      plans: plans.map((plan) => ({
+        ...plan,
+        approxCalls: tokensToCallsApprox(plan.periodTokens),
+      })),
+    });
+  });
+
+  adminApi.patch('/image-quota/config/:planType', requireAdmin, async (req, res) => {
+    const planCatalogService = subscriptionService?._planCatalogService;
+    if (!planCatalogService?.upsertPlan) {
+      return res.status(503).json({ message: '套餐目录服务未启用' });
+    }
+    const periodImages = Number(req.body?.periodImages);
+    if (!Number.isFinite(periodImages) || periodImages < 0) {
+      return res.status(400).json({ message: 'periodImages 必须是非负整数；0 表示无限' });
+    }
+    const current = await planCatalogService.getPlan(req.params.planType);
+    if (!current) return res.status(404).json({ message: '套餐不存在' });
+    const result = await planCatalogService.upsertPlan(req.params.planType, {
+      ...current,
+      periodImages: Math.floor(periodImages),
+    });
+    if (!result.ok) return res.status(400).json({ message: result.message });
+    res.json(result);
+  });
+
+  adminApi.get('/users/:userId/image-quota', requireAdmin, async (req, res) => {
+    if (!subscriptionService?.getImageQuota) {
+      return res.status(503).json({ message: '图片额度服务未启用' });
+    }
+    const quotaResult = await subscriptionService.getImageQuota(req.params.userId);
+    if (!quotaResult.ok) return res.status(404).json({ message: quotaResult.message });
+    const ledger = subscriptionService.listImageQuotaLedger
+      ? await subscriptionService.listImageQuotaLedger({
+        userId: req.params.userId,
+        page: 1,
+        pageSize: 20,
+      })
+      : { entries: [] };
+    res.json({
+      subscription: quotaResult.subscription,
+      quota: quotaResult.quota,
+      ledger: ledger.entries,
+    });
+  });
+
+  adminApi.post('/users/:userId/image-quota/grant', requireAdmin, async (req, res) => {
+    if (!subscriptionService?.grantImageQuota) {
+      return res.status(503).json({ message: '图片额度服务未启用' });
+    }
+    const delta = Number(req.body?.delta);
+    if (!Number.isFinite(delta) || delta === 0) {
+      return res.status(400).json({ message: 'delta 必须是非零整数' });
+    }
+    const note = String(req.body?.note ?? '').trim();
+    const result = await subscriptionService.grantImageQuota(
+      req.params.userId,
+      Math.floor(delta),
+      { operatorId: req.currentUser.id, note },
+    );
+    if (!result.ok) return res.status(400).json({ message: result.message });
+    res.json(result);
+  });
+
+  adminApi.get('/image-quota/ledger', requireAdmin, async (req, res) => {
+    if (!subscriptionService?.listImageQuotaLedger) {
+      return res.status(503).json({ message: '图片额度服务未启用' });
+    }
+    const result = await subscriptionService.listImageQuotaLedger({
+      userId: req.query.userId ? String(req.query.userId) : null,
+      page: req.query.page,
+      pageSize: req.query.pageSize,
+    });
+    res.json(result);
+  });
+
   return adminApi;
 }