feat(chat): render role-bound payment guidance

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

@@ -8,6 +8,7 @@ import {
 } from "../../nullable-defaults";
 import { ChatLockTypeSchema } from "../chat_lock_type";
 import { ChatImageSchema } from "../chat_payloads";
+import { PaymentGuidanceSchema } from "./chat_send_response";
 
 /**
  * 单条历史付费 / 私密消息解锁响应。
@@ -28,6 +29,7 @@ export const UnlockPrivateResponseSchema = z
     creditsCharged: numberOrZero,
     requiredCredits: numberOrZero,
     shortfallCredits: numberOrZero,
+    paymentGuidance: PaymentGuidanceSchema.nullish().default(null),
   })
   .readonly();