fix: route creation wallet chip to top-up entry

src/components/rpg-entry/RpgEntryHomeView.recharge.test.tsx

@@ -3137,6 +3137,41 @@ test('logged in create tab shows real wallet balance beside the brand', () => {
   expect(topbar?.textContent).toContain('1,234泥点');
 });
 
+test('create tab wallet chip opens reward code when recharge entry is hidden', async () => {
+  const user = userEvent.setup();
+  mockNarrowMobileLayout();
+
+  render(
+    <ProfileHomeViewHarness
+      activeTab="create"
+      profileDashboardOverrides={{ walletBalance: 70 }}
+    />,
+  );
+
+  await user.click(screen.getByRole('button', { name: /^70泥点$/u }));
+
+  expect(await screen.findByPlaceholderText('输入兑换码')).toBeTruthy();
+  expect(mockGetRpgProfileRechargeCenter).not.toHaveBeenCalled();
+});
+
+test('create tab wallet chip opens recharge when recharge entry is enabled', async () => {
+  const user = userEvent.setup();
+  mockWechatDesktopLayout();
+
+  render(
+    <ProfileHomeViewHarness
+      activeTab="create"
+      profileDashboardOverrides={{ walletBalance: 70 }}
+    />,
+  );
+
+  await user.click(screen.getByRole('button', { name: /^70泥点$/u }));
+
+  expect(await screen.findByText('账户充值')).toBeTruthy();
+  expect(mockGetRpgProfileRechargeCenter).toHaveBeenCalledTimes(1);
+  expect(screen.queryByPlaceholderText('输入兑换码')).toBeNull();
+});
+
 test('mobile discover search submits public work code', async () => {
   const user = userEvent.setup();
   const onSearchPublicCode = vi.fn();

src/components/rpg-entry/RpgEntryHomeView.tsx

@@ -7063,7 +7063,7 @@ export function RpgEntryHomeView({
                 (activeTab === 'create' || activeTab === 'saves') ? (
                 <button
                   type="button"
-                  onClick={openUserSurface}
+                  onClick={openRechargeOrRewardCodeModal}
                   className="platform-mobile-create-wallet-chip inline-flex shrink-0 items-center gap-1.5 rounded-full border border-[#f0cfae] bg-[#fff5eb] px-2.5 py-1.5 text-xs font-black text-[#b65f2c] shadow-[0_10px_22px_rgba(174,111,73,0.12)]"
                   aria-label={`${formatDashboardCount(remainingNarrativeCoins)}泥点`}
                 >
@@ -7229,7 +7229,7 @@ export function RpgEntryHomeView({
                 (activeTab === 'create' || activeTab === 'saves') ? (
                   <button
                     type="button"
-                    onClick={openUserSurface}
+                    onClick={openRechargeOrRewardCodeModal}
                     className="platform-desktop-create-wallet-chip platform-desktop-search inline-flex items-center gap-2 px-3 py-2.5 text-xs font-black text-[#b65f2c]"
                     aria-label={`${formatDashboardCount(remainingNarrativeCoins)}泥点`}
                   >