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-05-API-INTEGRATION.md

@@ -1,7 +1,7 @@
 # 🔌 API، Protobuf و یکپارچه‌سازی خارجی
 
 > **منابع ادغام‌شده:** `FRONTOFFICE-CMS-API-COMPATIBILITY.md`, `REMAINING-TASKS.md`, `chatika-integration.md`, `payment-gateway.md`, `club-feature-management-services.md`  
-> **آخرین بروزرسانی:** اسفند ۱۴۰۴
+> **آخرین بروزرسانی:** اسفند ۱۴۰۴ (بروزرسانی: Magic Wallet gRPC RPCs)
 
 ---
 
@@ -125,6 +125,13 @@ service SystemConfigService {
     rpc UpdateConfig (UpdateConfigRequest) returns (Empty);
     rpc GetAllConfigs (Empty) returns (ConfigListResponse);
 }
+
+// ===== userwallet.proto ===== (NEW — Magic Wallet)
+service UserWalletService {
+    rpc GetCustomerWallet (GetCustomerWalletRequest) returns (GetCustomerWalletResponse);
+    rpc InitiateMagicCharge (InitiateMagicChargeRequest) returns (InitiateMagicChargeResponse);
+    rpc GetMagicWalletStatus (GetMagicWalletStatusRequest) returns (MagicWalletStatusResponse);
+}
 ```
 
 ### ۲.۲ Shared Messages
@@ -299,9 +306,12 @@ flowchart TD
     A["CMS/src/Protos/*.proto"] --> B["pack-protos.sh"]
     B --> C["Foursat.CMSMicroservice.Protobuf.nupkg\nv1.0.x"]
     C --> D["Push to BaGet / Nexus"]
-    D --> E["BackOffice + FrontOffice\nPackageReference"]
+    D --> E["BackOffice\nPackageReference"]
+    D --> F["FrontOffice\nProjectReference ✅"]
 ```
 
+> ⚠️ FrontOffice از NuGet package به **ProjectReference** مستقیم سوییچ شده (برای دسترسی به پروتوهای جدید Magic Wallet)
+
 ---
 
 ## ۶. Remaining Tasks / Integration Gaps