前端配置迁至 config/local.js，完善支付、模板库与部署脚本

- 页面直接引用 local.js 设置 SOON_DEPLOY_CONFIG，移除 deploy-config
- Docker sync-config 生成 local.js；更新 README 与 agent-core 说明
- 模板库自动扫描 .soon；新增后端部署/种子/排查脚本
- 完善支付配置、订阅弹窗与后台支付管理页

Co-authored-by: Cursor <cursoragent@cursor.com>

backend-web/src/Admin/Controllers/SettingsController.php

@@ -6,6 +6,8 @@ namespace Soon\Api\Admin\Controllers;
 use Soon\Api\Core\Db;
 use Soon\Api\Core\Json;
 use Soon\Api\Services\AuditService;
+use Soon\Api\Services\PaymentConfig;
+use Soon\Api\Services\SettingsConfigLoader;
 
 final class SettingsController
 {
@@ -30,6 +32,9 @@ final class SettingsController
         );
         $stmt->execute(['k' => $key, 'v' => $value, 'ts' => date('Y-m-d H:i:s')]);
         AuditService::log($adminId, 'settings.set', 'setting:' . $key, ['value' => $value]);
+        if (in_array($key, SettingsConfigLoader::PAYMENT_KEYS, true)) {
+            PaymentConfig::reloadRuntime();
+        }
         Json::ok(['key' => $key]);
     }
 
@@ -63,6 +68,9 @@ final class SettingsController
             Json::fail('bad_request', '无有效配置项', 400);
         }
         AuditService::log($adminId, 'settings.set_batch', 'settings', ['keys' => $saved]);
+        if (array_intersect($saved, SettingsConfigLoader::PAYMENT_KEYS) !== []) {
+            PaymentConfig::reloadRuntime();
+        }
         Json::ok(['keys' => $saved]);
     }
 }