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IAV-491 : integrate credit microservice with full subscription management

saoud marouane a demandé de fusionner feature/IAV-491 vers develop
  • Display user wallet with all balance types (main, extra, referral)
  • Display subscription plans with pricing and features
  • Implement first subscription flow via Stripe Checkout
  • Implement subscription change (upgrade/downgrade) with credit refund calculation
  • Implement extra credit purchase with one-time payment
  • Handle Stripe webhooks for payment confirmation and credit allocation

Closes IAV-491

Rapports de requête de fusion