docs(product): integrate implemented community and teaching boundaries

.project-docs/05-agent-entry/memory-index.md

@@ -1,5 +1,9 @@
 # Memory Index
 
+## Community Collaboration · 2026-10-09
+
+先读[社区协作与充值边界](../20-architecture/community-collaboration.md)：麦洛不体现课程；D01 当前账号充值已本地实现，家长登录孩子号。任务证据、真实支付和安装版留项分别记录，不恢复旧客户端课程待办。
+
 Use this as the high-density entry point after the Concurrent Task Gate establishes task identity and worktree ownership.
 
 ## Startup Set