feat: require compliance confirmation for paid features

Gate payment, redemption, subscription, and invitation reward flows behind an audited compliance acknowledgement.

setting/operation_setting/payment_setting.go

@@ -5,8 +5,16 @@ import "github.com/QuantumNous/new-api/setting/config"
 type PaymentSetting struct {
 	AmountOptions  []int           `json:"amount_options"`
 	AmountDiscount map[int]float64 `json:"amount_discount"` // 充值金额对应的折扣，例如 100 元 0.9 表示 100 元充值享受 9 折优惠
+
+	ComplianceConfirmed    bool   `json:"compliance_confirmed"`
+	ComplianceTermsVersion string `json:"compliance_terms_version"`
+	ComplianceConfirmedAt  int64  `json:"compliance_confirmed_at"`
+	ComplianceConfirmedBy  int    `json:"compliance_confirmed_by"`
+	ComplianceConfirmedIP  string `json:"compliance_confirmed_ip"`
 }
 
+const CurrentComplianceTermsVersion = "v1"
+
 // 默认配置
 var paymentSetting = PaymentSetting{
 	AmountOptions:  []int{10, 20, 50, 100, 200, 500},
@@ -21,3 +29,8 @@ func init() {
 func GetPaymentSetting() *PaymentSetting {
 	return &paymentSetting
 }
+
+func IsPaymentComplianceConfirmed() bool {
+	return paymentSetting.ComplianceConfirmed &&
+		paymentSetting.ComplianceTermsVersion == CurrentComplianceTermsVersion
+}