docs: fix all discrepancies based on comprehensive code audit

Corrections verified against actual CMS/BackOffice/FrontOffice source code:

- ClubActivationFee: 25,200,000 (not 25,000,000)
- Tree depth: no limit (15 is commission calculation depth only)
- IPG wallet charge: Balance=56M + Discount=56M
- DayaLoan wallet charge: Balance=56M + Discount=112M (2×)
- Discount: per-product MaxDiscountPercent (not fixed 30%)
- VAT: 10% (ShopVAT) vs 9% (discount store PlaceOrder)
- Kavenegar template: 'Afrino' only (not verify-foursat)
- SMS sender: 1000001110100
- DayaLoan job: every 20min (not 15min)
- Commission job: Sunday 00:05 (not Saturday)
- Network tree: on User entity (not separate NetworkNode table)
- UserWallets entity (not UserWalletBalances)
- OTP: 6 digits, 5 attempts, 2min TTL, 60s cooldown
- Removed non-existent constants (ClubJoiningPercentage, ClubActivationThreshold)
- Fixed Hangfire Chatika interval: every 5min
- Removed InventorySync from recurring jobs list

business/BUSINESS-05-CONTENT-MANAGEMENT.md

@@ -132,13 +132,9 @@ FileManagementService → ذخیره در فایل‌سیستم + ثبت در DB
 {
     "Kavenegar": {
         "ApiKey": "***",
-        "SenderNumber": "10008663",
-        "Templates": {
-            "OTP": "verify-foursat",
-            "ContractOTP": "contract-verify",
-            "WelcomeClub": "club-welcome",
-            "OrderConfirm": "order-confirm"
-        }
+        "SenderNumber": "1000001110100",
+        "DefaultTemplate": "Afrino",
+        "_note": "تمام OTPها با قالب Afrino ارسال می‌شوند"
     }
 }
 ```
@@ -183,16 +179,17 @@ CREATE TABLE SystemConfigurations (
 
 | Category | Key | Value | توضیح |
 |----------|-----|-------|--------|
-| Club | `Club.ActivationFee` | 25000000 | هزینه فعالسازی |
-| Club | `Club.GiftValue` | 25200000 | واریز Pool |
-| Club | `GoldenPackageAmount` | 56000000 | قیمت پکیج طلایی |
-| Club | `MaxNetworkLevel` | 15 | حداکثر عمق درخت |
-| Club | `MaxWeeklyBalance` | 300 | سقف هفتگی |
-| Payment | `VAT.Percentage` | 10 | مالیات ارزش افزوده |
-| Payment | `DayaLoanAmount` | 56000000 | مبلغ وام |
-| Store | `DiscountPercentage` | 30 | تخفیف باشگاه |
-| Store | `ProductsPerPage` | 12 | تعداد در صفحه |
-| System | `SmsProvider` | Kavenegar | ارائه‌دهنده SMS |
+| Club | `ClubActivationFee` | 25200000 | هزینه فعالسازی (ریال) |
+| Club | `ClubMembershipGiftValue` | 25200000 | واریز Pool |
+| Club | `BasePackageAmount` | 56000000 | قیمت پکیج طلایی (ریال) |
+| Club | `CommissionMaxNetworkLevel` | 15 | عمق محاسبه کمیسیون |
+| Club | `CommissionMaxWeeklyBalancesPerLeg` | 300 | سقف هفتگی |
+| Payment | `ShopVAT` | 0.1 (10%) | مالیات (فروشگاه تخفیفی: 9%) |
+| Payment | `DayaLoanAmount` | 56000000 | مبلغ وام (ریال) |
+| Payment | `MinimumWithdrawAmount` | 1000000 | حداقل برداشت (ریال) |
+| Store | `MaxDiscountPercent` | per-product | 0-100، هر محصول جداگانه |
+| Store | `ProductsPerPage` | 12 (FO) / 10 (CMS) | تعداد در صفحه |
+| System | `CommissionCalculationMethod` | "SP" | Stored Procedure |
 | System | `MaintenanceMode` | false | حالت تعمیر |
 
 ---