CATRION CAPITAL — USD DEFAULT USER DISPLAY + ADMIN FUNDING RAILS
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USER SIDE
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- Internal ledger/accounting remains NGN. This prevents a destructive wallet migration.
- User-facing monetary presentation defaults to USD.
- Fixed conversion default: $1 = ₦1,500.
- Admin can change the platform USD/NGN rate in Admin > Settings > Finance.
- Dashboard currency selector is simplified to USD / NGN, with USD as the normal default.
- Invest page defaults all plan amounts, active plans, daily income, paid income,
  remaining profit and maturity amounts to USD; NGN is an optional toggle.
- Profile defaults main balance, welcome bonus, referral income and transaction amounts
  to USD; NGN is an optional toggle.
- Refer page defaults commissions, Level 1 deposit totals, salary milestones, reward values,
  network deposits and commission gains to USD; NGN is an optional toggle.
- Deposit page defaults to Dollar/Crypto. Naira remains available as a rail toggle.
- Withdrawal page defaults to Dollar/Crypto/USDT and displays wallet balance in USD.
  Naira remains available when a user explicitly chooses bank payout.
- Deposit-success and user notifications use USD presentation.
- Naira bank payment pages still show the exact NGN amount when the user deliberately
  chooses Naira funding, because the bank transfer itself must be made in NGN.
- Crypto payments retain exact selected-amount logic (for example $10 -> 10.00 USDT
  where supported by the configured stablecoin/network flow).

ADMIN SIDE
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- Admin keeps full operational visibility of both funding rails.
- Naira deposits are identified as NekPay funding.
- Dollar/Crypto deposits are identified as NOWPayments funding.
- Admin Dashboard separates:
  * Combined successful funding
  * Naira / NekPay successful and pending funding
  * Dollar/Crypto / NOWPayments original USD amount and NGN wallet credit
  * Combined current main wallet balances
- Admin Deposits can filter/identify the funding gateway.
- Admin Transactions carry funding-source information for deposit transactions.
- Admin Users shows per-user Naira funding, Dollar/Crypto funding, crypto NGN credit,
  combined wallet balance and total deposited amount.
- Historical funding reports recognize common successful states such as successful,
  approved, completed, paid, finished and success.
- Admin balance adjustments remain separate from gateway funding totals. They change the
  canonical wallet directly and are not falsely classified as NekPay/NOWPayments deposits.

IMPORTANT ACCOUNTING RULE
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Funding source and current wallet balance are different concepts. Once a verified deposit
is credited, funds enter the same canonical main_balance and can then be spent on plans,
withdrawn, combined with earnings, bonuses and referral commissions. Therefore the admin
shows Naira-vs-Crypto FUNDING ORIGIN separately while the CURRENT SPENDABLE WALLET remains
one combined balance.

NO SQL MIGRATION IS REQUIRED
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The settings page automatically seeds the USD/NGN rate setting if it is missing.
Existing balances are not converted in the database; conversion is display-only.
