huang 505b30aa8f feat: 实现资产实名认证策略功能 (asset-realname-policy) ...

- 新增 realname_policy 字段到 tb_iot_card、tb_device、tb_iot_card_import_task、tb_device_import_task 四张表
- 策略枚举：none(无需实名)、before_order(先实名后充值/购买)、after_order(先充值/购买后实名)
- C端充值拦截：before_order 策略下未实名用户禁止充值
- C端订单拦截：before_order 策略下未实名用户禁止购买套餐
- C端实名链接拦截：after_order 策略下无充值/订单用户禁止实名认证
- Admin API：PATCH /api/admin/assets/:identifier/realname-mode
- 新增错误码 CodeRealnameNotAvailable=1189

2026-04-17 17:03:41 +08:00

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