docs(v2): P3 渠道 adapter 计划(crypto 按 pangolin-pay 真源回校:单地址+唯一金额+预留冷却;alipay 迁移;stripe;biz_code/多币种收口)

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Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
Claude-Session: https://claude.ai/code/session_013nMthbVEmQquxBRKb9Fj8u

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