What

Fix the desktop sidebar balance popup so it shows current gifted and plan credit balances instead of reusing cumulative reward progress.

Why

Closes #910.

The popup was showing progress.earnedCredits, which is a cumulative rewards metric, not the current gifted balance bucket. That made signup and reward credits appear in the total balance without appearing under Gifted credits.

How

• extend the desktop rewards balance schema with giftedBalance and planBalance
• add cloud credit-record fetches in the controller and derive current gifted / plan balances from active grants
• update the sidebar popup to render cloudBalance.giftedBalance and cloudBalance.planBalance instead of earnedCredits
• update EN / ZH copy so the popup clearly describes current balance buckets
• add controller and web tests for the new breakdown behavior

Affected areas

• Desktop app (Electron shell)
• Controller (backend / API)
• Web dashboard (React UI)
• OpenClaw runtime
• Skills
• Shared schemas / packages
• Build / CI / Tooling

Checklist

• pnpm typecheck passes
• pnpm lint passes
• pnpm test passes
• pnpm generate-types run (if API routes/schemas changed)
• No credentials or tokens in code or logs
• No any types introduced (use unknown with narrowing)

Screenshots / recordings

Manual verification in the sidebar popup showed:

• Total credits = 400
• Gifted credits = 400
• Plan credits = 0

Notes for reviewers

• The popup intentionally no longer uses progress.earnedCredits; that field remains cumulative rewards progress for the rewards page.
• giftedBalance + planBalance now tracks the current balance breakdown shown in the sidebar popup.