- Commission = 5% of total wallet balances (not sales)
- Track commission payments in commission_payments table (migration 007)
- Show 'Due Now' = current commission - last payment amount
- Record payment form with amount and optional note
- Payment history table with date, balances, commission, paid, delta
- Delta shows difference between consecutive payments (new users = more owed)
- Seed phrase unlock reminder shows the commission due amount
- Stat warning highlight when commission is due
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