docs: Magic Wallet + VAT 10% documentation update

- All 14 totalDoc files updated with Magic Wallet additions
- MAGIC-WALLET-PLAN.md: Phase 1-6 checklist fully marked complete
- Business docs: Magic Wallet section, commission filter, new entities
- Payment docs: VAT 9%→10%, TransactionType 14+15, ZarinPal 4th usage
- Technical docs: UserWallet fields, ClubMembershipCycle, gRPC RPCs
- Overview docs: Magic flowchart, ER diagram, changelog, glossary, roadmap

technical/TECH-02-BACKOFFICE-FRONTOFFICE.md

@@ -1,7 +1,7 @@
 # 🖥️ BackOffice و FrontOffice — معماری UI
 
 > **منابع ادغام‌شده:** `BACKOFFICE-ARCHITECTURE.md`, `BACKOFFICE-STORE-UNIFICATION.md`, `UI-MODERNIZATION-PLAN.md`, `UI-UNIFICATION-PLAN.md`, `PHASE-1-COMPLETE.md`, `PHASE-3-COMPLETE.md`, `PRODUCT-IMAGES-SQUARE.md`  
-> **آخرین بروزرسانی:** اسفند ۱۴۰۴
+> **آخرین بروزرسانی:** اسفند ۱۴۰۴ (بروزرسانی: Magic Wallet UI + ProjectReference)
 
 ---
 
@@ -111,6 +111,9 @@ FrontOffice/src/FrontOffice/
 │   │   ├── Dashboard.razor    ← داشبورد باشگاه
 │   │   ├── NetworkTree.razor  ← نمای درخت
 │   │   └── Contract.razor     ← امضای قرارداد
+│   ├── Profile/
+│   │   ├── Index.razor        ← داشبورد پروفایل + تایل Magic
+│   │   └── MagicWallet.razor  ← 🪄 کیف‌پول جادویی (NEW)
 │   ├── Blog/
 │   ├── Auth/
 │   │   ├── Login.razor
@@ -119,6 +122,8 @@ FrontOffice/src/FrontOffice/
 ├── Services/
 │   ├── ProductService.cs      ← با GetProductsPagedAsync
 │   ├── ClubService.cs
+│   ├── WalletService.cs       ← + MagicWalletStatus, InitiateMagicChargeAsync
+│   ├── VATService.cs          ← VAT 10% از سرور + LocalStorage cache
 │   └── ...
 └── Shared/
     ├── AppImage.razor
@@ -247,6 +252,8 @@ if (user.Identity?.IsAuthenticated == true) {
 | Store Unification | ✅ | 100% |
 | SitePage Typed Editors | ✅ | 100% |
 | RTL Support | ✅ | 100% |
+| Magic Wallet UI | ✅ | 100% |
+| Proto ProjectReference | ✅ | 100% |
 | Mobile Responsive (Phase 7) | ⬜ | 0% |
 | Dark Mode | ⬜ | 0% |
 | PWA | ⬜ | 0% |