feat: add mixed-channel precheck API for account-group binding
Add a dedicated CheckMixedChannel endpoint that allows the frontend to pre-validate mixed channel risk before submitting create/update requests. This improves UX by showing warnings earlier in the flow instead of only after form submission. Backend changes: - Add CheckMixedChannelRequest struct and CheckMixedChannel handler - Register POST /check-mixed-channel route - Expose CheckMixedChannelRisk as public method on AdminService - Simplify Create/Update 409 responses (remove details/require_confirmation) - Add comprehensive handler tests and stub methods Frontend changes: - Add checkMixedChannelRisk API function and TypeScript types - Refactor CreateAccountModal to precheck before step transition and submission - Refactor EditAccountModal to precheck before update submission - Replace pendingPayload pattern with action-based dialog flow
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