refactor(risk): 简化 openId 名单提示文案, 移除列表页冗余 alert

- PayBlacklistList.vue 移除列表页 a-alert: 系统行为已自动化,
  运营进列表看数据即可, 不需常驻技术说明
- PayBlacklistEdit.vue 表单 warning 文案简化为场景边界提示:
  '付款码/APP/外部浏览器场景仅做事后补录'
- i18n key openIdCodePayHint → openIdBoundaryHint, 与新文案语义对齐
- 同步 10 语种(6 主+东盟 4 英文 fallback)

apps/daxpay-admin/src/locales/langs/en-US/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "Type and value cannot be changed after creation",
       "expireEmpty": "Leave empty for permanent",
-      "openIdCodePayHint": "openId blacklist is enforced across gateway payments: JSAPI/mini natively carries openId; QR, wechat/alipay/douyin in-app H5 silently acquires openId before pay; external browsers, barcode, APP and other methods unable to pre-acquire openId fall back to IP check + post-pay hit recording."
+      "openIdBoundaryHint": "Barcode/APP/external browser scenarios fall back to post-pay hit recording only."
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/id-ID/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "Jenis dan nilai tidak dapat diubah setelah dibuat",
       "expireEmpty": "Kosongkan untuk permanen",
-      "openIdCodePayHint": "openId blacklist only applies to trades that already have a user identity before pay (e.g. code-plate/aggregate JSAPI or mini). If code-plate uses a method without openId, this list cannot block the user before payment."
+      "openIdBoundaryHint": "Barcode/APP/external browser scenarios fall back to post-pay hit recording only."
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/ja-JP/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "Type and value cannot be changed after creation",
       "expireEmpty": "Leave empty for permanent",
-      "openIdCodePayHint": "openId リストはゲートウェイ決済全体で事前遮断を自動有効化します：JSAPI/ミニは本来 openId を携帯；QR・WeChat/Alipay/Douyin 内 H5 など識別可能な環境は決済前にサイレント取得して遮断；外部ブラウザ・バーコード・APP など事前取得不可の方式は IP チェック + 決済成功後の事後記録にフォールバックします。"
+      "openIdBoundaryHint": "バーコード/APP/外部ブラウザのシーンは事後記録のみ。"
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/ko-KR/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "Type and value cannot be changed after creation",
       "expireEmpty": "Leave empty for permanent",
-      "openIdCodePayHint": "openId 목록은 게이트웨이 결제 전반에서 사전 차단을 자동 활성화합니다: JSAPI/미니는 기본적으로 openId를 휴대; QR, 위챗/알리페이/도우인 인앱 H5 등 식별 가능 환경은 결제 전 사일런트 취득 후 차단; 외부 브라우저, 바코드, APP 등 사전 취득 불가 방식은 IP 체크 + 결제 성공 후 사후 기록으로 폴백합니다."
+      "openIdBoundaryHint": "바코드/APP/외부 브라우저 시나리오는 사후 기록만 합니다."
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/ms-MY/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "Jenis dan nilai tidak boleh diubah selepas dicipta",
       "expireEmpty": "Biarkan kosong untuk kekal",
-      "openIdCodePayHint": "openId blacklist only applies to trades that already have a user identity before pay (e.g. code-plate/aggregate JSAPI or mini). If code-plate uses a method without openId, this list cannot block the user before payment."
+      "openIdBoundaryHint": "Barcode/APP/external browser scenarios fall back to post-pay hit recording only."
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/th-TH/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "ประเภทและค่าไม่สามารถแก้ไขหลังสร้าง",
       "expireEmpty": "เว้นว่างหากถาวร",
-      "openIdCodePayHint": "openId blacklist only applies to trades that already have a user identity before pay (e.g. code-plate/aggregate JSAPI or mini). If code-plate uses a method without openId, this list cannot block the user before payment."
+      "openIdBoundaryHint": "Barcode/APP/external browser scenarios fall back to post-pay hit recording only."
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/vi-VN/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "Loại và giá trị không thể sửa sau khi tạo",
       "expireEmpty": "Để trống nếu vĩnh viễn",
-      "openIdCodePayHint": "openId blacklist only applies to trades that already have a user identity before pay (e.g. code-plate/aggregate JSAPI or mini). If code-plate uses a method without openId, this list cannot block the user before payment."
+      "openIdBoundaryHint": "Barcode/APP/external browser scenarios fall back to post-pay hit recording only."
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/zh-CN/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "类型与名单值创建后不可修改",
       "expireEmpty": "留空表示永久有效",
-      "openIdCodePayHint": "openId 名单在网关支付场景自动启用事前拦截：JSAPI/小程序原生走 openId；主扫、微信/支付宝/抖音内 H5 等可识别环境会在支付前静默获取 openId 拦截；外部浏览器、付款码、APP 等无法事前获取 openId 的方式将降级为 IP 校验 + 支付成功后补录命中。"
+      "openIdBoundaryHint": "付款码/APP/外部浏览器场景仅做事后补录。"
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/zh-HK/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "类型与名单值创建后不可修改",
       "expireEmpty": "留空表示永久有效",
-      "openIdCodePayHint": "openId 名單喺網關支付場景自動啟用事前攔截：JSAPI/小程式原生用 openId；主掃、微信/支付寶/抖音內 H5 等可識別環境會喺支付前靜默攞 openId 攔截；外部瀏覽器、付款碼、APP 等無法事前攞 openId 嘅方式會降級為 IP 校驗 + 支付成功後補錄命中。"
+      "openIdBoundaryHint": "付款碼/APP/外部瀏覽器場景僅做事後補錄。"
     }
   },
   "hit": {

apps/daxpay-admin/src/locales/langs/zh-TW/payment/risk.json

@@ -27,7 +27,7 @@
     "tip": {
       "typeValueImmutable": "类型与名单值创建后不可修改",
       "expireEmpty": "留空表示永久有效",
-      "openIdCodePayHint": "openId 名單在網關支付場景自動啟用事前攔截：JSAPI/小程式原生走 openId；主掃、微信/支付寶/抖音內 H5 等可識別環境會在支付前靜默取得 openId 攔截；外部瀏覽器、付款碼、APP 等無法事前取得 openId 的方式將降級為 IP 校驗 + 支付成功後補錄命中。"
+      "openIdBoundaryHint": "付款碼/APP/外部瀏覽器場景僅做事後補錄。"
     }
   },
   "hit": {

apps/daxpay-admin/src/views/payment/risk/blacklist/PayBlacklistEdit.vue

@@ -152,10 +152,10 @@
             <a-radio-button value="open_id">{{ $t('payment.risk.blacklist.type.open_id') }}</a-radio-button>
           </a-radio-group>
         </a-form-item>
-        <!-- openId 类型：与码牌 JSAPI 等取 openId 方式的关系提示 -->
+        <!-- openId 类型：场景边界提示 -->
         <div v-if="formState.type === 'open_id'" class="mb-4 px-2">
           <a-alert
-            :message="$t('payment.risk.blacklist.tip.openIdCodePayHint')"
+            :message="$t('payment.risk.blacklist.tip.openIdBoundaryHint')"
             type="warning"
             show-icon
           />

apps/daxpay-admin/src/views/payment/risk/blacklist/PayBlacklistList.vue

@@ -150,15 +150,6 @@
       <BQuery :fields="queryFields" :query-params="queryForm" @query="queryPage" @reset="resetQuery" />
     </a-card>
 
-    <!-- openId 名单与码牌支付方式关系说明 -->
-    <div class="mt-4">
-      <a-alert
-        :message="$t('payment.risk.blacklist.tip.openIdCodePayHint')"
-        type="info"
-        show-icon
-      />
-    </div>
-
     <div class="mt-4">
       <a-card>
         <vxe-toolbar ref="xToolbar" custom refresh :refresh-options="{ queryMethod: queryPage }">