fix(agents): add payment gate on invoke_assessment_expert + progress streaming for assessment

Two hardening fixes for the professional assessment pipeline:
1. Code-level payment verification before dispatching invoke_assessment_expert
   (prevents bypassing the prompt-only gate)
2. Thread onProgress callback through direct tool chain so run_professional_assessment
   streams agent_progress events during the 30-45s assessment expert execution

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

packages/services/conversation-service/src/infrastructure/agents/coordinator/coordinator-agent.service.ts

@@ -65,6 +65,9 @@ import { ToolType } from '../hooks/tool-hooks.types';
 // Redis (optional checkpoint persistence)
 import { RedisClientService } from '../../cache/redis-client.service';
 
+// Payment (for code-level gate on assessment)
+import { PaymentClientService } from '../../payment/payment-client.service';
+
 // ============================================================
 // Compatibility Types (与 ClaudeAgentServiceV2 的 StreamChunk 兼容)
 // ============================================================
@@ -163,6 +166,8 @@ export class CoordinatorAgentService implements OnModuleInit {
     private readonly toolHooks: ToolHooksService,
     // Redis (optional — for checkpoint persistence)
     @Optional() private readonly redisClient?: RedisClientService,
+    // Payment (optional — for code-level gate on invoke_assessment_expert)
+    @Optional() private readonly paymentClient?: PaymentClientService,
   ) {}
 
   onModuleInit() {
@@ -563,6 +568,23 @@ export class CoordinatorAgentService implements OnModuleInit {
         let result: { output: string; isError: boolean };
 
         if (toolType === 'agent') {
+          // ── Fix 2: Code-level payment gate on invoke_assessment_expert ──
+          if (toolName === 'invoke_assessment_expert' && this.paymentClient) {
+            const orders = await this.paymentClient.getUserOrders(userId);
+            const hasPaid = orders.some(
+              (o) => o.serviceType === 'ASSESSMENT' && (o.status === 'PAID' || o.status === 'COMPLETED'),
+            );
+            if (!hasPaid) {
+              return {
+                output: JSON.stringify({
+                  error: true,
+                  message: '评估服务需要付费。请使用 run_professional_assessment 工具进行正式评估（会自动验证支付状态），或先引导用户完成支付。',
+                }),
+                isError: true,
+              };
+            }
+          }
+
           // 为 Agent 调用创建 onProgress callback，将进度事件推送到 sink
           const onProgress = progressEventSink
             ? this.createAgentProgressCallback(toolName, progressEventSink)
@@ -571,7 +593,11 @@ export class CoordinatorAgentService implements OnModuleInit {
         } else if (toolType === 'mcp') {
           result = await this.mcpClient.executeTool(toolName, toolInput);
         } else {
-          result = await this.executeDirectTool(toolName, toolInput, userId, conversationId);
+          // ── Fix 1: Progress feedback for run_professional_assessment ──
+          const directOnProgress = (toolName === 'run_professional_assessment' && progressEventSink)
+            ? this.createAgentProgressCallback('invoke_assessment_expert', progressEventSink)
+            : undefined;
+          result = await this.executeDirectTool(toolName, toolInput, userId, conversationId, directOnProgress);
         }
 
         // PostToolUse hook — 成功
@@ -725,6 +751,7 @@ export class CoordinatorAgentService implements OnModuleInit {
     toolInput: Record<string, unknown>,
     userId: string,
     conversationId: string,
+    onProgress?: (text: string) => void,
   ): Promise<{ output: string; isError: boolean }> {
     // 构建旧版 ConversationContext（ImmigrationToolsService 需要）
     const legacyContext: OldConversationContext = {
@@ -737,6 +764,7 @@ export class CoordinatorAgentService implements OnModuleInit {
         toolName,
         toolInput,
         legacyContext,
+        onProgress,
       );
 
       // ImmigrationToolsService 返回结构化对象，序列化为 string 供 Claude 消费

packages/services/conversation-service/src/infrastructure/claude/tools/immigration-tools.service.ts

@@ -310,6 +310,7 @@ export class ImmigrationToolsService {
     toolName: string,
     input: Record<string, unknown>,
     context: ConversationContext,
+    onProgress?: (text: string) => void,
   ): Promise<unknown> {
     console.log(`[Tool] Executing ${toolName} with input:`, JSON.stringify(input));
 
@@ -369,7 +370,7 @@ export class ImmigrationToolsService {
         return this.queryUserArtifacts(input, context);
 
       case 'run_professional_assessment':
-        return this.runProfessionalAssessment(input, context);
+        return this.runProfessionalAssessment(input, context, onProgress);
 
       default:
         return { error: `Unknown tool: ${toolName}` };
@@ -1434,6 +1435,7 @@ export class ImmigrationToolsService {
   private async runProfessionalAssessment(
     input: Record<string, unknown>,
     context: ConversationContext,
+    onProgress?: (text: string) => void,
   ): Promise<unknown> {
     const { userInfo, targetCategories, conversationContext } = input as {
       userInfo: Record<string, unknown>;
@@ -1543,11 +1545,12 @@ export class ImmigrationToolsService {
 
     let assessmentResult: string;
     try {
+      const opts = onProgress ? { onProgress } : undefined;
       assessmentResult = await this.assessmentExpert.executeAssessment({
         userInfo,
         targetCategories,
         conversationContext,
-      });
+      }, opts);
     } catch (error) {
       console.error('[Tool:run_professional_assessment] Assessment expert failed:', error);
       return {