docs(02-02): 完成实名激活架构重构计划 REALNAME-01~05

- 新增 02-02-SUMMARY.md
- 更新 STATE.md 进度（plan 2/2）
- 更新 ROADMAP.md 进度
- 标记 REALNAME-01~05 需求完成

.planning/STATE.md

@@ -3,12 +3,12 @@ gsd_state_version: 1.0
 milestone: v1.0
 milestone_name: milestone
 status: unknown
-last_updated: "2026-03-28T01:47:47.024Z"
+last_updated: "2026-03-28T02:41:33.151Z"
 progress:
   total_phases: 6
   completed_phases: 1
-  total_plans: 5
-  completed_plans: 5
+  total_plans: 7
+  completed_plans: 6
 ---
 
 # Project State — 君鸿卡管系统
@@ -21,8 +21,8 @@ progress:
 
 ## Current Position
 
-Phase: 2
-Plan: Not started
+Phase: 02 (perm-fin-realname-poll) — EXECUTING
+Plan: 2 of 2
 | Field | Value |
 |-------|-------|
 | **Current Phase** | 1 — P0 紧急修复 |
@@ -42,7 +42,7 @@ Progress: [ 1 ]──[ 2 ]──[ 3 ]──[ 4 ]──[ 5 ]──[ 6 ]
 
 **Core Value:** 业务链路完整可用——代理能采购分配卡/设备，C端客户能充值购包激活套餐，佣金能正确计算并可提现。这条主链路必须端到端跑通。
 
-**Current Focus:** Phase 01 — p0
+**Current Focus:** Phase 02 — perm-fin-realname-poll
 
 ---
 
@@ -76,6 +76,7 @@ Progress: [ 1 ]──[ 2 ]──[ 3 ]──[ 4 ]──[ 5 ]──[ 6 ]
 | Phase 01-p0 P04 | 4min | 1 tasks | 1 files |
 | Phase 01-p0 P02 | 3min | 1 tasks | 2 files |
 | Phase 01-p0 P03 | 8min | 2 tasks | 4 files |
+| Phase 02-perm-fin-realname-poll P02 | 25min | 2 tasks | 8 files |
 
 ## Accumulated Context