feat(server): 商业化支付与订单系统 + Harness 改进

- 新增商业化模块：Stripe/Binance Pay 支付、邮箱登录、订单管理
- 新增数据模型：ReportProduct, ReportEntitlement, ReportSnapshot, PaymentEvent, EmailLoginCode
- 新增 API：/api/commerce/checkout, /api/commerce/webhooks/*, /api/commerce/orders/*
- 新增管理后台：订单列表、统计图表、统一 AdminHeader 组件
- 新增中间件测试：RateLimit, Auth, CORS 共 7 个测试用例
- 新增 AGENTS.md 项目代理指令文件
- 新增 REMINDER.md 商业化功能开发规范
- 修复 JWT 解析：添加 WithValidMethods 限制 HS256
- 修复 GetPayStatus：增加用户权限校验
- 更新 .gitignore 和 README.md

web-commercial/package.json

@@ -0,0 +1,25 @@
+{
+  "name": "lunar-commercial-web",
+  "version": "0.1.0",
+  "private": true,
+  "type": "module",
+  "scripts": {
+    "dev": "vite --host 0.0.0.0",
+    "build": "pnpm --dir ../web --filter @lunar/core build && tsc -b && vite build",
+    "preview": "vite preview --host 0.0.0.0",
+    "typecheck": "tsc -b --pretty false"
+  },
+  "dependencies": {
+    "@lunar/core": "file:../web/packages/core",
+    "lucide-react": "^0.468.0",
+    "react": "^19.0.0",
+    "react-dom": "^19.0.0"
+  },
+  "devDependencies": {
+    "@types/react": "^19.0.0",
+    "@types/react-dom": "^19.0.0",
+    "@vitejs/plugin-react": "^4.4.0",
+    "typescript": "^5.7.0",
+    "vite": "^6.0.0"
+  }
+}