fix: 禁止所有模态框点击外部关闭，防止数据丢失

移除 channels 编辑/同步、TopUpModal、OrderDetail、RefundDialog
四处模态框 backdrop 上的 onClick 关闭行为及 stopPropagation，
用户只能通过显式关闭按钮或取消按钮关闭弹窗。

同时新增支付宝直连和微信支付直连接入文档。

src/components/TopUpModal.tsx

@@ -28,13 +28,12 @@ export default function TopUpModal({ open, onClose, onConfirm, amounts, isDark,
   };
 
   return (
-    <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/60 backdrop-blur-sm" onClick={onClose}>
+    <div className="fixed inset-0 z-50 flex items-center justify-center bg-black/60 backdrop-blur-sm">
       <div
         className={[
           'relative mx-4 w-full max-w-md rounded-2xl border p-6 shadow-2xl',
           isDark ? 'border-slate-700 bg-slate-900 text-slate-100' : 'border-slate-200 bg-white text-slate-900',
         ].join(' ')}
-        onClick={(e) => e.stopPropagation()}
       >
         {/* Header */}
         <div className="mb-5 flex items-center justify-between">