feat(chat): render role-bound payment guidance

src/data/schemas/chat/response/chat_send_response.ts

@@ -13,6 +13,41 @@ import {
 import { ChatImageSchema, ChatLockDetailSchema } from "../chat_payloads";
 import { ChatActionSchema } from "../chat_action";
 
+export const PaymentGuidanceSceneSchema = z.enum([
+  "vip",
+  "insufficientCredits",
+  "chatInterrupted",
+  "voiceLocked",
+  "imageLocked",
+  "privateMessageLocked",
+  "historyLocked",
+  "privateZoneLocked",
+  "unknownLock",
+  "whyPay",
+  "leavingAfterCredits",
+  "paymentIssue",
+  "externalRisk",
+  "purchaseOptions",
+]);
+
+export const PaymentGuidanceSchema = z
+  .object({
+    guidanceId: z.string().min(1),
+    characterId: z.string().min(1),
+    characterName: z.string().min(1),
+    scene: PaymentGuidanceSceneSchema,
+    mode: z.enum(["guide", "careOnly", "issueSupport", "riskReminder"]),
+    title: z.string().nullable().default(null),
+    copy: z.string().min(1),
+    ctaLabel: z.string().nullable().default(null),
+    purchaseOptions: z.array(z.enum(["vip", "topup"])).readonly(),
+    target: z.enum(["subscription", "giftCatalog"]).nullable().default(null),
+    ruleId: z.string().min(1),
+  })
+  .readonly();
+
+export type PaymentGuidance = z.output<typeof PaymentGuidanceSchema>;
+
 export const CommercialActionSchema = z
   .object({
     actionId: z.string().min(1),
@@ -42,6 +77,7 @@ export const ChatSendResponseSchema = z
     requiredCredits: numberOrZero,
     shortfallCredits: numberOrZero,
     commercialAction: CommercialActionSchema.nullish().default(null),
+    paymentGuidance: PaymentGuidanceSchema.nullish().default(null),
     chatAction: ChatActionSchema.nullish().default(null),
   })
   .readonly();