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feat(token,payment): fund a VCN from a prior charge and allow Visa capture - #78
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…pture token-cli: - New `payment-tokens vcn-quote --amount|--amount-cents [--currency] [--card-bin]` returns the card limit, fee, charge total and the BIN the card will use. - `payment-tokens create --type vcn` accepts `--funding-charge-no`, `--amount-cents` and `--card-bin`; with a funding charge no freeze/fee prompt is shown. - `--external-transaction-id` sends `external_transaction_id` (the field the platform reads; `--external-tx-id` sends `external_tx_id`, which it ignores). payment-cli: - `payments capture` accepts `--payment-brand visa`.
Releases the VCN funding flags (vcn-quote, --funding-charge-no, --card-bin) and Visa capture. Additive and backward compatible, so patch bumps.
When --funding-charge-no is given, the interactive confirmation now fetches GET /payment-tokens/vcn-quote and shows Freeze (total_cents) and Fee (fee_cents) instead of hiding the warning. A rejected quote stops before the create request. --yes skips the quote call.
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背景
虚拟卡（VCN）发卡方从 AgentCard 换成 PhotonPay：先用用户已绑的卡（银联 / Visa / EVO）扣一笔「卡额度 + 手续费」，平台再拿这笔扣款号开卡。CLI 需要支持报价和带扣款号开卡；Visa 出资还要求 payment-cli 能对 Visa 令牌扣款。
改动
token-cli 0.10.4
payment-tokens vcn-quote --amount|--amount-cents [--currency] [--card-bin]：返回卡额度、手续费、应扣总额和开卡将用的 BIN。BIN 不可用时报价就拒绝，不扣款。payment-tokens create --type vcn新增--funding-charge-no、--amount-cents、--card-bin；带扣款号时，交互确认前调vcn-quote按平台报价显示冻结额（total_cents）和手续费（fee_cents），不再用 5% 估算；报价被拒时不发开卡请求；--yes不调报价。--external-transaction-id发external_transaction_id（平台实际读取的字段；旧的--external-tx-id发的external_tx_id平台不读）。payment-cli 0.5.5
payments capture允许--payment-brand visa。依赖
平台对应改动：agenzo-platform
feat/photonpay-vcn（GET /payment-tokens/vcn-quote、funding_charge_no、card_bin）。合入发版后，orchestrator-base 的TOKEN_CLI_VERSION/PAYMENT_CLI_VERSION升到 0.10.4 / 0.5.5。测试
npm run test：1036 passed，2 skipped；npm run build通过；check:lockfile通过。