V2.1: Plafond negatif, reserve vault, carte bancaire visuelle, panel rewrite

- db: added client_negative_floor column to banks
- bank_manager: vault check on depot, negative floor on retrait/virement
- banque: new /banque set-plafond and /banque set-reserve commands
- bank_card: new Pillow-based bank card image generator
- panel: full rewrite (no more JSON), guild name in title, new banking flow

utils/bank_manager.py

@@ -212,7 +212,17 @@ class BankManager:
                 raise ValueError("Compte destination introuvable.")
 
             if source["solde"] < montant:
-                raise ValueError(f"Solde insuffisant. Disponible : {source['solde']:.2f}€")
+                cursor = await db.execute(
+                    "SELECT client_negative_floor FROM banks WHERE id = ? AND guild_id = ?",
+                    (source["bank_id"], guild_id),
+                )
+                bank_row = await cursor.fetchone()
+                floor = bank_row[0] if bank_row else 0.0
+                nouveau_solde = source["solde"] - montant
+                if nouveau_solde < -floor:
+                    raise ValueError(
+                        f"Solde insuffisant. Disponible : {source['solde']:.2f}€, plafond négatif : {-floor:.2f}€"
+                    )
 
             tva_montant = 0.0
             montant_net = montant
@@ -287,13 +297,26 @@ class BankManager:
             if not compte:
                 raise ValueError("Compte introuvable.")
 
+            cursor = await db.execute(
+                "SELECT vault_balance FROM banks WHERE id = ? AND guild_id = ?",
+                (compte["bank_id"], guild_id),
+            )
+            bank_row = await cursor.fetchone()
+            if not bank_row:
+                raise ValueError("Banque introuvable.")
+            vault = bank_row[0]
+            if vault < montant:
+                raise ValueError(
+                    f"Réserve bancaire insuffisante. Disponible : {vault:.2f}€"
+                )
+
             cursor = await db.execute(
                 "UPDATE accounts SET solde = solde + ? WHERE rib = ? AND guild_id = ?",
                 (montant, rib, guild_id),
             )
             cursor = await db.execute(
-                "UPDATE banks SET clients_total_balance = clients_total_balance + ? WHERE id = ? AND guild_id = ?",
-                (montant, compte["bank_id"], guild_id),
+                "UPDATE banks SET clients_total_balance = clients_total_balance + ?, vault_balance = vault_balance - ? WHERE id = ? AND guild_id = ?",
+                (montant, montant, compte["bank_id"], guild_id),
             )
 
             now = datetime.now().strftime("%Y-%m-%d %H:%M:%S")
@@ -318,16 +341,26 @@ class BankManager:
             compte = await self._get_account(db, guild_id, rib)
             if not compte:
                 raise ValueError("Compte introuvable.")
-            if compte["solde"] < montant:
-                raise ValueError(f"Solde insuffisant. Disponible : {compte['solde']:.2f}€")
+
+            cursor = await db.execute(
+                "SELECT client_negative_floor FROM banks WHERE id = ? AND guild_id = ?",
+                (compte["bank_id"], guild_id),
+            )
+            bank_row = await cursor.fetchone()
+            floor = bank_row[0] if bank_row else 0.0
+            nouveau_solde = compte["solde"] - montant
+            if nouveau_solde < -floor:
+                raise ValueError(
+                    f"Plafond négatif atteint ({-floor:.2f}€). Solde actuel : {compte['solde']:.2f}€"
+                )
 
             cursor = await db.execute(
                 "UPDATE accounts SET solde = solde - ? WHERE rib = ? AND guild_id = ?",
                 (montant, rib, guild_id),
             )
             cursor = await db.execute(
-                "UPDATE banks SET clients_total_balance = clients_total_balance - ? WHERE id = ? AND guild_id = ?",
-                (montant, compte["bank_id"], guild_id),
+                "UPDATE banks SET clients_total_balance = clients_total_balance - ?, vault_balance = vault_balance + ? WHERE id = ? AND guild_id = ?",
+                (montant, montant, compte["bank_id"], guild_id),
             )
 
             now = datetime.now().strftime("%Y-%m-%d %H:%M:%S")
@@ -337,7 +370,7 @@ class BankManager:
                 (guild_id, rib, compte["user_id"], montant, "retrait_banquier", now, json.dumps({"banquier_id": banquier_id})),
             )
             await db.commit()
-            return {"nouveau_solde": compte["solde"] - montant}
+            return {"nouveau_solde": nouveau_solde}
         finally:
             await db.close()
 
@@ -498,3 +531,27 @@ class BankManager:
         )
         row = await cursor.fetchone()
         return dict(row) if row else None
+
+    async def set_negative_floor(self, guild_id: int, bank_id: int, floor: float) -> bool:
+        db = await get_db()
+        try:
+            cursor = await db.execute(
+                "UPDATE banks SET client_negative_floor = ? WHERE id = ? AND guild_id = ?",
+                (floor, bank_id, guild_id),
+            )
+            await db.commit()
+            return cursor.rowcount > 0
+        finally:
+            await db.close()
+
+    async def set_vault_balance(self, guild_id: int, bank_id: int, montant: float) -> bool:
+        db = await get_db()
+        try:
+            cursor = await db.execute(
+                "UPDATE banks SET vault_balance = ? WHERE id = ? AND guild_id = ?",
+                (montant, bank_id, guild_id),
+            )
+            await db.commit()
+            return cursor.rowcount > 0
+        finally:
+            await db.close()