feat(invite): 邀请奖励金账户(与金币隔离) + 比价发奖 + 奖励金提现 (#82)

Reviewed-on: #82
Co-authored-by: xiebing <xiebing@wonderable.ai>
Co-committed-by: xiebing <xiebing@wonderable.ai>

alembic/versions/invite_cash_account_and_compare_reward.py

@@ -0,0 +1,88 @@
+"""invite cash account isolation + compare reward tracking (🅱-1)
+
+Revision ID: invite_cash_account_and_compare_reward
+Revises: feedback_review_fields
+Create Date: 2026-06-23 00:00:00.000000
+
+邀请功能 v2 账户隔离 + 比价发奖追踪:
+  - coin_account 加 invite_cash_balance_cents(邀请奖励金独立余额,与金币兑换的 cash 物理隔离)
+  - withdraw_order 加 source(标记提现扣哪个账户,退款退回对应账户;旧单默认 coin_cash)
+  - invite_relation 加比价发奖追踪三列(好友比价多次只发一次)
+  - 新增 invite_cash_transaction 表(邀请奖励金独立流水账本)
+
+加列均 NOT NULL + server_default,存量行自动填默认值,安全。
+"""
+from typing import Sequence, Union
+
+from alembic import op
+import sqlalchemy as sa
+
+
+# revision identifiers, used by Alembic.
+revision: str = 'invite_cash_account_and_compare_reward'
+down_revision: Union[str, Sequence[str], None] = 'feedback_review_fields'
+branch_labels: Union[str, Sequence[str], None] = None
+depends_on: Union[str, Sequence[str], None] = None
+
+
+def upgrade() -> None:
+    # 1. 邀请奖励金独立余额(与金币兑换的 cash_balance_cents 物理隔离;红线:两本账不可累加)
+    op.add_column(
+        'coin_account',
+        sa.Column('invite_cash_balance_cents', sa.Integer(), nullable=False, server_default='0'),
+    )
+    # 2. 提现单标记账户来源:coin_cash / invite_cash,退款退回对应账户(旧单默认 coin_cash)
+    op.add_column(
+        'withdraw_order',
+        sa.Column('source', sa.String(length=16), nullable=False, server_default='coin_cash'),
+    )
+    # 3. 邀请关系加比价发奖追踪(好友"下载+登录+比价一次"→ 给邀请人发奖,只发一次)
+    op.add_column(
+        'invite_relation',
+        sa.Column('compare_reward_granted', sa.Boolean(), nullable=False, server_default=sa.false()),
+    )
+    op.add_column(
+        'invite_relation',
+        sa.Column('compare_reward_cents', sa.Integer(), nullable=False, server_default='0'),
+    )
+    op.add_column(
+        'invite_relation',
+        sa.Column('compare_rewarded_at', sa.DateTime(timezone=True), nullable=True),
+    )
+    # 4. 邀请奖励金独立流水表(结构同 cash_transaction;balance_after 记 invite_cash_balance_cents)
+    op.create_table(
+        'invite_cash_transaction',
+        sa.Column('id', sa.Integer(), autoincrement=True, nullable=False),
+        sa.Column('user_id', sa.Integer(), nullable=False),
+        sa.Column('amount_cents', sa.Integer(), nullable=False),
+        sa.Column('balance_after_cents', sa.Integer(), nullable=False),
+        sa.Column('biz_type', sa.String(length=32), nullable=False),
+        sa.Column('ref_id', sa.String(length=64), nullable=True),
+        sa.Column('remark', sa.String(length=128), nullable=True),
+        sa.Column('created_at', sa.DateTime(timezone=True), server_default=sa.func.now(), nullable=False),
+        sa.ForeignKeyConstraint(['user_id'], ['user.id']),
+        sa.PrimaryKeyConstraint('id'),
+    )
+    op.create_index('ix_invite_cash_transaction_user_id', 'invite_cash_transaction', ['user_id'])
+    op.create_index('ix_invite_cash_transaction_created_at', 'invite_cash_transaction', ['created_at'])
+    # 提现退款幂等:一个提现单只退一次(partial unique，对齐 cash_transaction 的 withdraw_refund 去重)
+    op.create_index(
+        'ux_invite_cash_txn_refund_ref',
+        'invite_cash_transaction',
+        ['ref_id'],
+        unique=True,
+        sqlite_where=sa.text("biz_type = 'invite_withdraw_refund' AND ref_id IS NOT NULL"),
+        postgresql_where=sa.text("biz_type = 'invite_withdraw_refund' AND ref_id IS NOT NULL"),
+    )
+
+
+def downgrade() -> None:
+    op.drop_index('ux_invite_cash_txn_refund_ref', table_name='invite_cash_transaction')
+    op.drop_index('ix_invite_cash_transaction_created_at', table_name='invite_cash_transaction')
+    op.drop_index('ix_invite_cash_transaction_user_id', table_name='invite_cash_transaction')
+    op.drop_table('invite_cash_transaction')
+    op.drop_column('invite_relation', 'compare_rewarded_at')
+    op.drop_column('invite_relation', 'compare_reward_cents')
+    op.drop_column('invite_relation', 'compare_reward_granted')
+    op.drop_column('withdraw_order', 'source')
+    op.drop_column('coin_account', 'invite_cash_balance_cents')

app/api/v1/compare_record.py

@@ -21,6 +21,7 @@ from app.api.deps import CurrentUser, DbSession
 from app.db.session import SessionLocal
 from app.models.comparison import ComparisonRecord
 from app.repositories import comparison as crud_compare
+from app.repositories import invite as crud_invite
 from app.services.pricebot_llm_calls import fetch_llm_calls
 from app.schemas.compare_record import (
     CompareStatsOut,
@@ -52,6 +53,18 @@ def report_record(
     # 任务做,不阻塞上报响应(顺带给 pricebot 落盘留足余量)。upsert 已 commit,后台用
     # 独立 session 按 record id 回填 llm_calls + 派生 llm_call_count/retry_count。
     background_tasks.add_task(_backfill_llm_calls, rec.id, rec.trace_id)
+    # 邀请 v2 发奖:被邀请人完成一次【成功】比价 → 给邀请人发邀请奖励金(幂等,只发一次)。
+    # best-effort:发奖异常不影响比价上报本身(rec 已 commit),只 log;邀请人补偿靠后续对账。
+    if rec.status == "success":
+        try:
+            reward = crud_invite.try_reward_on_compare(db, user.id)
+            if reward.status == "granted":
+                logger.info(
+                    "invite compare reward granted inviter=%s invitee=%s cents=%s",
+                    reward.inviter_user_id, user.id, reward.reward_cents,
+                )
+        except Exception as e:  # noqa: BLE001 best-effort,发奖失败不阻塞上报
+            logger.warning("invite compare reward failed invitee=%s: %s", user.id, e)
     logger.info(
         "compare record user=%s trace=%s biz=%s status=%s saved=%s (llm_calls backfill queued)",
         user.id,

app/api/v1/invite.py

@@ -38,7 +38,7 @@ logger = logging.getLogger("shagua.invite")
 router = APIRouter(prefix="/api/v1/invite", tags=["invite"])
 
 _BIND_MESSAGES = {
-    "success": "邀请绑定成功,金币已到账",
+    "success": "邀请绑定成功",
     "already_bound": "你已绑定过邀请人",
     "invalid_code": "邀请码无效",
     "self_invite": "不能填写自己的邀请码",
@@ -84,6 +84,8 @@ def _parse_device_model(ua: str) -> str:
 def my_invite(user: CurrentUser, db: DbSession) -> InviteInfoOut:
     code = invite_repo.ensure_code(db, user)
     invited, coins = invite_repo.get_stats(db, user.id)
+    reward_balance, reward_withdrawn = invite_repo.get_reward_stats(db, user.id)
+    days_left, is_fresh_round, countdown_text = invite_repo.compute_invite_countdown(user.created_at)
     sep = "&" if "?" in settings.INVITE_LANDING_URL else "?"
     share_url = f"{settings.INVITE_LANDING_URL}{sep}ref={code}"
     return InviteInfoOut(
@@ -91,6 +93,11 @@ def my_invite(user: CurrentUser, db: DbSession) -> InviteInfoOut:
         share_url=share_url,
         invited_count=invited,
         coins_earned=coins,
+        reward_balance_cents=reward_balance,
+        reward_withdrawn_cents=reward_withdrawn,
+        countdown_days_left=days_left,
+        countdown_is_fresh_round=is_fresh_round,
+        countdown_text=countdown_text,
     )
 
 
@@ -154,7 +161,7 @@ def landing_track(
     return LandingTrackOut(status="ok")
 
 
-@router.post("/bind", response_model=BindInviteOut, summary="绑定邀请人(注册即生效,双方发金币)")
+@router.post("/bind", response_model=BindInviteOut, summary="绑定邀请人(注册即生效,绑定不发奖)")
 def bind_invite(
     req: BindInviteIn, user: CurrentUser, db: DbSession, request: Request
 ) -> BindInviteOut:

app/api/v1/wallet.py

@@ -200,7 +200,8 @@ def withdraw(req: WithdrawRequest, user: CurrentUser, db: DbSession) -> Withdraw
         raise HTTPException(status_code=status.HTTP_503_SERVICE_UNAVAILABLE, detail="wechat pay not configured")
     try:
         order = crud_wallet.create_withdraw(
-            db, user.id, req.amount_cents, user_name=req.user_name, out_bill_no=req.out_bill_no
+            db, user.id, req.amount_cents, source=req.source,
+            user_name=req.user_name, out_bill_no=req.out_bill_no,
         )
     except crud_wallet.InvalidWithdrawAmountError as e:
         raise HTTPException(
@@ -274,10 +275,11 @@ def withdraw_status(
 def withdraw_orders(
     user: CurrentUser,
     db: DbSession,
+    source: str | None = Query(None, description="按账户来源过滤:coin_cash / invite_cash;不传=全部"),
     limit: int = Query(20, ge=1, le=100),
     cursor: int | None = Query(None, description="上一页末条 id"),
 ) -> WithdrawOrderPage:
-    items, next_cursor = crud_wallet.list_withdraw_orders(db, user.id, limit=limit, cursor=cursor)
+    items, next_cursor = crud_wallet.list_withdraw_orders(db, user.id, source=source, limit=limit, cursor=cursor)
     return WithdrawOrderPage(
         items=[WithdrawOrderOut.model_validate(it) for it in items],
         next_cursor=next_cursor,

app/core/rewards.py

@@ -113,10 +113,9 @@ PRICE_REPORT_REWARD_COINS: int = 1000
 FEEDBACK_REWARD_MAX_COINS: int = 10000
 
 
-# ===== 邀请好友(注册即生效,邀请人 + 被邀请人各发金币)=====
-# 10000 金币 = 1 元,双方各得 1 元。MVP 先用固定常量(不走 app_config)。
-INVITE_INVITER_COINS: int = 10000
-INVITE_INVITEE_COINS: int = 10000
+# ===== 邀请好友(绑定即生效,绑定只建归因关系、双方都不发钱)=====
+# v3(冰 2026-06-26):废除 v1 的"绑定双方各发金币"——被邀请人无奖励、邀请人改比价后发现金
+# (见下方 INVITE_COMPARE_REWARD_CENTS)。原 INVITE_INVITER_COINS / INVITE_INVITEE_COINS 已删。
 # "新用户闸":被邀请人必须在注册后此窗口内绑定才发奖(挡存量老用户互相填码薅羊毛)。
 # 自动绑(剪贴板)在首次注册登录后几秒内发生;留 72h 给手动填码兜底。
 INVITE_NEW_USER_WINDOW_HOURS: int = 72
@@ -127,6 +126,13 @@ INVITE_NEW_USER_WINDOW_HOURS: int = 72
 INVITE_FP_WINDOW_DAYS: int = 7
 
 
+# ===== 邀请好友 v2(好友"下载+登录+比价一次"→ 给邀请人发邀请奖励金·现金)=====
+# v2 新规则:不再注册即发金币,改"好友完成首次成功比价"才给【邀请人】发奖,发的是【现金·分】
+# 进独立的邀请奖励金账户(coin_account.invite_cash_balance_cents),与金币体系物理隔离。
+# 200 分 = 2 元。⚠️ 金额待产品定准:邀请主页=2元 / 福利入口=3.5元 不一致,定后改此处。
+INVITE_COMPARE_REWARD_CENTS: int = 200
+
+
 # ===== 看激励视频 / 信息流广告发金币 =====
 # eCPM 取自穿山甲 SDK getShowEcpm().getEcpm(),官方口径单位是【分/千次展示】(不是元!
 # csjplatform 文档原文"通过 getEcpm 获取的单位是分")。计算时先 ÷100 转成元;

app/models/__init__.py

@@ -37,5 +37,6 @@ from app.models.wallet import (  # noqa: F401
     CashTransaction,
     CoinAccount,
     CoinTransaction,
+    InviteCashTransaction,
     WithdrawOrder,
 )

app/models/invite.py

@@ -10,7 +10,7 @@ from __future__ import annotations
 
 from datetime import datetime
 
-from sqlalchemy import DateTime, ForeignKey, Integer, String, func
+from sqlalchemy import Boolean, DateTime, ForeignKey, Integer, String, false, func
 from sqlalchemy.orm import Mapped, mapped_column
 
 from app.db.base import Base
@@ -35,6 +35,20 @@ class InviteRelation(Base):
     inviter_coin: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
     invitee_coin: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
 
+    # ===== v2 比价发奖追踪(好友"下载+登录+比价一次"→ 给邀请人发邀请奖励金)=====
+    # 是否已因"好友完成比价"发过奖:好友比价多次只发一次(防重复发,与 invitee 唯一约束双保险)
+    compare_reward_granted: Mapped[bool] = mapped_column(
+        Boolean, nullable=False, default=False, server_default=false()
+    )
+    # 实发给邀请人的邀请奖励金(分);未发为 0
+    compare_reward_cents: Mapped[int] = mapped_column(
+        Integer, nullable=False, default=0, server_default="0"
+    )
+    # 发奖时间(未发为 None)
+    compare_rewarded_at: Mapped[datetime | None] = mapped_column(
+        DateTime(timezone=True), nullable=True
+    )
+
     created_at: Mapped[datetime] = mapped_column(
         DateTime(timezone=True), server_default=func.now(), index=True, nullable=False
     )

app/models/wallet.py

@@ -25,6 +25,11 @@ class CoinAccount(Base):
     )
     coin_balance: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
     cash_balance_cents: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
+    # 邀请奖励金余额(分)——与金币兑换来的 cash_balance_cents **物理隔离**(产品红线:
+    # 邀请奖励金 ≠ 看广告/金币现金,两本账不可累加)。好友比价发奖入账、提现出账走它。
+    invite_cash_balance_cents: Mapped[int] = mapped_column(
+        Integer, nullable=False, default=0, server_default="0"
+    )
     # 累计赚取的金币(只增不减),用于"历史总收益"类展示
     total_coin_earned: Mapped[int] = mapped_column(Integer, nullable=False, default=0)
 
@@ -108,6 +113,11 @@ class WithdrawOrder(Base):
     # 商户单号(我们生成,微信查单的 out_bill_no),唯一
     out_bill_no: Mapped[str] = mapped_column(String(64), unique=True, index=True, nullable=False)
     amount_cents: Mapped[int] = mapped_column(Integer, nullable=False)
+    # 这笔提现扣的是哪个账户:coin_cash(金币兑换的现金) / invite_cash(邀请奖励金)。
+    # 退款时据此退回**对应**账户,两本账不串。旧单默认 coin_cash。
+    source: Mapped[str] = mapped_column(
+        String(16), nullable=False, default="coin_cash", server_default="coin_cash"
+    )
     # 提现实名(微信达额转账要求):审核后异步打款时要用,发起提现时存下,可空
     user_name: Mapped[str | None] = mapped_column(String(64), nullable=True)
     # 归一化状态:reviewing(待审核) / pending(打款在途) / success / failed(打款失败已退) / rejected(审核拒绝已退)
@@ -200,3 +210,41 @@ class CashTransaction(Base):
 
     def __repr__(self) -> str:  # pragma: no cover
         return f"<CashTransaction id={self.id} user_id={self.user_id} cents={self.amount_cents}>"
+
+
+class InviteCashTransaction(Base):
+    """邀请奖励金流水(单位:分)。与 cash_transaction(金币兑换现金)**物理隔离**——
+    产品红线:邀请奖励金 ≠ 看广告/金币现金,两本账不可累加、各自提现。
+    入账=好友比价发奖(invite_reward),出账=提现(invite_withdraw)/退款(invite_withdraw_refund)。
+    结构与 cash_transaction 同构,balance_after_cents 记的是 coin_account.invite_cash_balance_cents。"""
+
+    __tablename__ = "invite_cash_transaction"
+    __table_args__ = (
+        # 提现退款幂等:一个提现单只退一次(同 cash_transaction 的 withdraw_refund 去重)
+        Index(
+            "ux_invite_cash_txn_refund_ref",
+            "ref_id",
+            unique=True,
+            sqlite_where=text("biz_type = 'invite_withdraw_refund' AND ref_id IS NOT NULL"),
+            postgresql_where=text("biz_type = 'invite_withdraw_refund' AND ref_id IS NOT NULL"),
+        ),
+    )
+
+    id: Mapped[int] = mapped_column(Integer, primary_key=True, autoincrement=True)
+    user_id: Mapped[int] = mapped_column(
+        Integer, ForeignKey("user.id"), index=True, nullable=False
+    )
+    # 正数=入账(发奖),负数=出账(提现)
+    amount_cents: Mapped[int] = mapped_column(Integer, nullable=False)
+    balance_after_cents: Mapped[int] = mapped_column(Integer, nullable=False)
+    # 业务类型:invite_reward / invite_withdraw / invite_withdraw_refund
+    biz_type: Mapped[str] = mapped_column(String(32), nullable=False)
+    ref_id: Mapped[str | None] = mapped_column(String(64), nullable=True)
+    remark: Mapped[str | None] = mapped_column(String(128), nullable=True)
+
+    created_at: Mapped[datetime] = mapped_column(
+        DateTime(timezone=True), server_default=func.now(), index=True, nullable=False
+    )
+
+    def __repr__(self) -> str:  # pragma: no cover
+        return f"<InviteCashTransaction id={self.id} user_id={self.user_id} cents={self.amount_cents}>"

app/repositories/invite.py

@@ -1,13 +1,14 @@
-"""好友邀请 CRUD(注册即生效,邀请人 + 被邀请人各发金币)。
+"""好友邀请 CRUD(注册即生效,绑定只建归因关系、双方都不发钱)。
+
+发奖规则(v3,冰 2026-06-26 拍板):
+  - 绑定时双方都不发钱(被邀请人无奖励、邀请人不发金币)。
+  - 邀请人的钱由 try_reward_on_compare 在好友"成功比价一次"后发 2 元邀请奖励金(防刷)。
+  - v1 的"绑定双方各发金币"已废;invite_relation 的 inviter_coin/invitee_coin 列保留恒 0(待清)。
 
 防重复发奖三道(仿 ad_reward / 提现的资金安全思路):
   1. invitee_user_id 唯一 → 一个被邀请人只能被绑定一次(幂等键)。
   2. 自邀屏蔽 → inviter == invitee 直接拒。
   3. 现成的手机号唯一(每个被邀请人 = 一个真实手机号账号)= 天然限制刷量规模。
-
-发金币复用 wallet.grant_coins(grant 只 flush 不 commit),与建关系记录在**同一事务**
-commit,保证"建关系 + 双方加金币"原子。奖励额 = rewards.INVITE_INVITER_COINS /
-INVITE_INVITEE_COINS。
 """
 from __future__ import annotations
 
@@ -34,6 +35,30 @@ def _gen_code() -> str:
     return "".join(secrets.choice(_CODE_ALPHABET) for _ in range(_CODE_LEN))
 
 
+# ===== v2 邀请倒计时(7 天 1 轮,锚点=注册日,自然日差,东八区)=====
+# 中国不用夏令时,固定 +8 偏移即可(不依赖 tzdata,Windows 本地联调也稳)。
+_CST = timezone(timedelta(hours=8))
+
+
+def compute_invite_countdown(register_at: datetime) -> tuple[int, bool, str]:
+    """按 7 天 1 轮算邀请页倒计时。
+
+    锚点 = 用户注册日(user.created_at),按东八区自然日差算
+    (跨自然日才减、同日多次登录不减,天然满足)。返回:
+      (本轮剩余天数 1..7, 是否刚进入新一轮[非首轮第1天], 展示文案)。
+    """
+    reg = register_at if register_at.tzinfo else register_at.replace(tzinfo=timezone.utc)
+    days_since = max(0, (datetime.now(_CST).date() - reg.astimezone(_CST).date()).days)
+    day_in_cycle = days_since % 7                            # 0..6(本轮第几天,0-based)
+    days_left = 7 - day_in_cycle                             # 7..1(第1天=7、第7天=1)
+    is_fresh_round = days_since >= 7 and day_in_cycle == 0   # 非首轮的第1天
+    if is_fresh_round:
+        text = "恭喜您进入新一轮邀请！\n距离本轮结束还有7天"
+    else:
+        text = f"距本轮结束还有{days_left}天"
+    return days_left, is_fresh_round, text
+
+
 def ensure_code(db: Session, user: User) -> str:
     """保证 user 有邀请码(懒生成),返回它。唯一约束碰撞则换码重试。
 
@@ -90,15 +115,17 @@ def _is_new_user(user: User) -> bool:
 class BindResult:
     status: str                          # success / already_bound / invalid_code / self_invite / not_eligible
     relation: InviteRelation | None = None
-    invitee_coin: int = 0                # 本次给被邀请人发的金币(success 时 >0)
+    invitee_coin: int = 0                # v3 起恒 0(绑定不再发金币);保留字段兼容响应
 
 
 def bind(
     db: Session, *, invitee: User, invite_code: str, channel: str = "clipboard"
 ) -> BindResult:
-    """把 invitee 绑定到 invite_code 对应的邀请人,注册即生效 + 双方发金币。
+    """把 invitee 绑定到 invite_code 对应的邀请人,注册即生效。
 
-    幂等:invitee 已被绑过 → already_bound(不重复发奖)。
+    v3 发奖(冰 2026-06-26 拍板):绑定双方都不发钱——被邀请人无奖励,邀请人改"好友成功比价一次
+    才发 2 元邀请奖励金"(见 try_reward_on_compare,防刷)。绑定只建归因关系 + 跑防刷闸。
+    幂等:已绑过 → already_bound。
     """
     # 幂等:已绑过直接返回(不重复发奖)
     existing = _relation_of_invitee(db, invitee.id)
@@ -114,27 +141,18 @@ def bind(
     if not _is_new_user(invitee):
         return BindResult("not_eligible")
 
-    inviter_coin = rewards.INVITE_INVITER_COINS
-    invitee_coin = rewards.INVITE_INVITEE_COINS
-
+    # v3(冰 2026-06-26 拍板):绑定双方都不发钱。被邀请人不再发新人金币(去掉拉新即时激励);
+    # 邀请人的钱由 try_reward_on_compare 在好友成功比价后发 2 元邀请奖励金(防刷)。
     rel = InviteRelation(
         inviter_user_id=inviter.id,
         invitee_user_id=invitee.id,
         channel=(channel or "clipboard")[:16],
         status="effective",
-        inviter_coin=inviter_coin,
-        invitee_coin=invitee_coin,
+        inviter_coin=0,                 # v1 金币线已停用,列保留恒 0(待清)
+        invitee_coin=0,                 # v3:被邀请人绑定不再发金币
     )
     db.add(rel)
-    # 双方发金币(同事务,与建关系一起 commit)。ref_id 互指对方便于对账。
-    crud_wallet.grant_coins(
-        db, inviter.id, inviter_coin,
-        biz_type="invite_inviter", ref_id=str(invitee.id), remark="邀请好友奖励",
-    )
-    crud_wallet.grant_coins(
-        db, invitee.id, invitee_coin,
-        biz_type="invite_invitee", ref_id=str(inviter.id), remark="新人受邀奖励",
-    )
+    # 绑定不发任何金币(邀请人改比价发现金、被邀请人无奖励),仅建归因关系。
     try:
         db.commit()
     except IntegrityError:
@@ -145,16 +163,62 @@ def bind(
             return BindResult("already_bound", existing)
         raise
     except Exception:
-        # 其它 commit 失败(DB 故障 / PG 序列化冲突等):显式回滚,保证"建关系 + 双方发币"
-        # 原子(要么全成要么全无),不依赖 get_db 关闭时的隐式回滚,语义更硬。
+        # 其它 commit 失败(DB 故障 / PG 序列化冲突等):显式回滚,保证建关系原子,
+        # 不依赖 get_db 关闭时的隐式回滚,语义更硬。
         db.rollback()
         raise
     db.refresh(rel)
-    return BindResult("success", rel, invitee_coin)
+    return BindResult("success", rel)
+
+
+@dataclass
+class CompareRewardResult:
+    status: str                    # granted / no_relation / already_granted / inviter_inactive
+    inviter_user_id: int | None = None
+    reward_cents: int = 0
+
+
+def try_reward_on_compare(db: Session, invitee_user_id: int) -> CompareRewardResult:
+    """被邀请人完成一次成功比价时调用:若其有邀请关系且尚未发过比价奖,给【邀请人】发邀请奖励金。
+
+    v2 发奖规则核心(替代 v1 的"注册即发金币"):好友"下载+登录+比价一次"→ 邀请人得 2 元现金。
+    幂等:compare_reward_granted 标记保证好友比价多次只发一次。无邀请关系 / 已发过 / 邀请人失效
+    → 空操作。发奖(grant_invite_cash 入账独立账户)+ 置标记同事务 commit,保证原子。
+    """
+    rel = _relation_of_invitee(db, invitee_user_id)
+    if rel is None:
+        return CompareRewardResult("no_relation")
+    if rel.compare_reward_granted:
+        return CompareRewardResult("already_granted", rel.inviter_user_id)
+
+    inviter = db.get(User, rel.inviter_user_id)
+    if inviter is None or inviter.status != "active":
+        # 邀请人注销 / 封禁:本次不发、不置标记,待其恢复后下次比价再试(保守,不吞奖励)
+        return CompareRewardResult("inviter_inactive", rel.inviter_user_id)
+
+    reward = rewards.INVITE_COMPARE_REWARD_CENTS
+    rel.compare_reward_granted = True
+    rel.compare_reward_cents = reward
+    rel.compare_rewarded_at = datetime.now(timezone.utc)
+    # 发邀请奖励金到邀请人的独立账户(与金币隔离),ref_id 指向被邀请人便于对账
+    crud_wallet.grant_invite_cash(
+        db, inviter.id, reward,
+        biz_type="invite_reward", ref_id=str(invitee_user_id), remark="好友比价奖励",
+    )
+    try:
+        db.commit()
+    except Exception:
+        db.rollback()
+        raise
+    return CompareRewardResult("granted", inviter.id, reward)
 
 
 def get_stats(db: Session, inviter_id: int) -> tuple[int, int]:
-    """返回 (已成功邀请人数, 累计从邀请获得的金币)。"""
+    """返回 (已成功邀请人数, 累计从邀请获得的金币)。
+
+    金币口径(inviter_coin 之和)自 v3 起恒 0(邀请人收益改走邀请奖励金,见 get_reward_stats /
+    try_reward_on_compare);保留返回位兼容旧响应字段 coins_earned。
+    """
     count = db.execute(
         select(func.count())
         .select_from(InviteRelation)
@@ -167,6 +231,26 @@ def get_stats(db: Session, inviter_id: int) -> tuple[int, int]:
     return int(count), int(coins)
 
 
+def get_reward_stats(db: Session, inviter_id: int) -> tuple[int, int]:
+    """v2 邀请奖励金战绩:(可提现余额/分, 累计提现成功/分)。
+
+    余额 = coin_account.invite_cash_balance_cents;累计提现 = 该用户 source=invite_cash 且
+    status=success 的提现单金额之和(成功打款才算)。供 /invite/me 提现板块展示。
+    """
+    from app.models.wallet import CoinAccount, WithdrawOrder
+    balance = db.execute(
+        select(CoinAccount.invite_cash_balance_cents).where(CoinAccount.user_id == inviter_id)
+    ).scalar_one_or_none()
+    withdrawn = db.execute(
+        select(func.coalesce(func.sum(WithdrawOrder.amount_cents), 0)).where(
+            WithdrawOrder.user_id == inviter_id,
+            WithdrawOrder.source == "invite_cash",
+            WithdrawOrder.status == "success",
+        )
+    ).scalar_one()
+    return int(balance or 0), int(withdrawn)
+
+
 def _mask_phone(phone: str) -> str:
     """手机号脱敏:138****8888。前端拿不到完整号,展示被邀请人时在此兜底名字。
 
@@ -210,7 +294,7 @@ def get_invitees(
         items.append({
             "display_name": u.nickname or u.wechat_nickname or _mask_phone(u.phone),
             "avatar_url": u.avatar_url or u.wechat_avatar_url or None,
-            "coins": rel.inviter_coin,
+            "coins": rel.inviter_coin,      # v3 起恒 0(邀请人收益改走邀请奖励金)
             "invited_at": rel.created_at,
         })
     has_more = offset + len(rows) < int(total)

app/repositories/wallet.py

@@ -24,6 +24,7 @@ from app.models.wallet import (
     CashTransaction,
     CoinAccount,
     CoinTransaction,
+    InviteCashTransaction,
     WechatTransferAuthorization,
     WithdrawOrder,
 )
@@ -166,6 +167,36 @@ def grant_cash(
     return acc, txn
 
 
+def grant_invite_cash(
+    db: Session,
+    user_id: int,
+    amount_cents: int,
+    *,
+    biz_type: str,
+    ref_id: str | None = None,
+    remark: str | None = None,
+) -> tuple[CoinAccount, InviteCashTransaction]:
+    """邀请奖励金变动入口(正数入账 / 负数出账)。更新 invite_cash_balance_cents + 写
+    invite_cash_transaction,不 commit。与金币兑换的 cash_balance_cents **物理隔离**
+    (产品红线:邀请奖励金 ≠ 金币现金,两本账不可累加)。返回 (account, transaction),
+    调用方负责 commit。不在此校验扣成负——由调用方按业务保护。"""
+    acc = get_or_create_account(db, user_id, commit=False)
+    acc.invite_cash_balance_cents += amount_cents
+
+    txn = InviteCashTransaction(
+        user_id=user_id,
+        amount_cents=amount_cents,
+        balance_after_cents=acc.invite_cash_balance_cents,
+        biz_type=biz_type,
+        ref_id=ref_id,
+        remark=remark,
+        created_at=datetime.now(rewards.CN_TZ).replace(tzinfo=None),
+    )
+    db.add(txn)
+    db.flush()
+    return acc, txn
+
+
 def list_coin_transactions(
     db: Session,
     user_id: int,
@@ -411,33 +442,43 @@ def refund_reviewing_withdraws_on_unbind(db: Session, user_id: int) -> int:
 _OUT_BILL_NO_RE = re.compile(r"^[0-9A-Za-z_-]{8,32}$")
 
 
-def _try_deduct_cash(db: Session, user_id: int, amount_cents: int) -> bool:
-    """原子扣减现金:仅当余额足够时扣,返回是否成功。
+def _balance_col(source: str):
+    """提现账户来源 → CoinAccount 余额列。invite_cash=邀请奖励金;否则金币兑换的现金。
+    两账户物理隔离,提现扣款/退款都按 source 走对应列,互不串。"""
+    return (
+        CoinAccount.invite_cash_balance_cents
+        if source == "invite_cash"
+        else CoinAccount.cash_balance_cents
+    )
 
-    用带条件的 UPDATE(`WHERE cash_balance_cents >= amount`)避免"读-判断-写"竞态——
-    并发/重试时不会两次都通过余额检查导致超额扣款(SQLite 串行写、Postgres 行级,均安全)。
+
+def _try_deduct_cash(db: Session, user_id: int, amount_cents: int, source: str = "coin_cash") -> bool:
+    """原子扣减指定账户余额:仅当余额足够时扣,返回是否成功。
+
+    用带条件的 UPDATE(`WHERE <col> >= amount`)避免"读-判断-写"竞态——并发/重试时不会两次
+    都通过余额检查导致超额扣款(SQLite 串行写、Postgres 行级,均安全)。source 决定扣
+    cash_balance_cents(coin_cash) 还是 invite_cash_balance_cents(invite_cash)。
     """
+    col = _balance_col(source)
     res = db.execute(
         update(CoinAccount)
-        .where(
-            CoinAccount.user_id == user_id,
-            CoinAccount.cash_balance_cents >= amount_cents,
-        )
-        .values(cash_balance_cents=CoinAccount.cash_balance_cents - amount_cents)
+        .where(CoinAccount.user_id == user_id, col >= amount_cents)
+        .values({col: col - amount_cents})
     )
     return res.rowcount == 1
 
 
-def _add_cash(db: Session, user_id: int, amount_cents: int) -> int:
-    """原子增加现金(退款用),返回加后余额。"""
+def _add_cash(db: Session, user_id: int, amount_cents: int, source: str = "coin_cash") -> int:
+    """原子增加指定账户余额(退款用),返回加后余额。source 决定退回哪个账户(两账户隔离)。"""
+    col = _balance_col(source)
     db.execute(
         update(CoinAccount)
         .where(CoinAccount.user_id == user_id)
-        .values(cash_balance_cents=CoinAccount.cash_balance_cents + amount_cents)
+        .values({col: col + amount_cents})
     )
     db.flush()
     bal = db.execute(
-        select(CoinAccount.cash_balance_cents).where(CoinAccount.user_id == user_id)
+        select(col).where(CoinAccount.user_id == user_id)
     ).scalar_one()
     return bal
 
@@ -456,11 +497,15 @@ def _refund_withdraw(
     """
     if order.status in ("failed", "rejected"):
         return  # 防重复退款(并发/对账与查单/重复拒绝同时触发)
+    # 账户隔离:按 order.source 退回对应账户 + 写对应退款流水表
+    is_invite = order.source == "invite_cash"
+    txn_model = InviteCashTransaction if is_invite else CashTransaction
+    refund_biz = "invite_withdraw_refund" if is_invite else "withdraw_refund"
     refunded_txn_id = db.execute(
-        select(CashTransaction.id).where(
-            CashTransaction.user_id == order.user_id,
-            CashTransaction.biz_type == "withdraw_refund",
-            CashTransaction.ref_id == order.out_bill_no,
+        select(txn_model.id).where(
+            txn_model.user_id == order.user_id,
+            txn_model.biz_type == refund_biz,
+            txn_model.ref_id == order.out_bill_no,
         ).limit(1)
     ).scalar_one_or_none()
     if refunded_txn_id is not None:
@@ -468,13 +513,13 @@ def _refund_withdraw(
         order.fail_reason = reason[:256]
         db.commit()
         return
-    bal = _add_cash(db, order.user_id, order.amount_cents)
+    bal = _add_cash(db, order.user_id, order.amount_cents, order.source)
     db.add(
-        CashTransaction(
+        txn_model(
             user_id=order.user_id,
             amount_cents=order.amount_cents,
             balance_after_cents=bal,
-            biz_type="withdraw_refund",
+            biz_type=refund_biz,
             ref_id=order.out_bill_no,
             # 用户可见文案区分"未成功(自动退)"vs"审核未通过";技术原因记在 order.fail_reason
             remark=(
@@ -492,13 +537,13 @@ def _refund_withdraw(
         db.commit()
     except IntegrityError:
         # 并发退款兜底:唯一退款流水已被另一事务写入时,回滚本事务的加钱和流水,
-        # 再把订单状态补到终态。这样无论拒绝/查单/对账怎么并发,现金最多退一次。
+        # 再把订单状态补到终态。这样无论拒绝/查单/对账怎么并发,金额最多退一次。
         db.rollback()
         refunded_txn_id = db.execute(
-            select(CashTransaction.id).where(
-                CashTransaction.user_id == user_id,
-                CashTransaction.biz_type == "withdraw_refund",
-                CashTransaction.ref_id == out_bill_no,
+            select(txn_model.id).where(
+                txn_model.user_id == user_id,
+                txn_model.biz_type == refund_biz,
+                txn_model.ref_id == out_bill_no,
             ).limit(1)
         ).scalar_one_or_none()
         if refunded_txn_id is None:
@@ -562,6 +607,7 @@ def create_withdraw(
     user_id: int,
     amount_cents: int,
     *,
+    source: str = "coin_cash",
     user_name: str | None = None,
     out_bill_no: str | None = None,
 ) -> WithdrawOrder:
@@ -608,20 +654,23 @@ def create_withdraw(
     # 账户须存在(原子扣款的 UPDATE 不会建账户)
     get_or_create_account(db, user_id, commit=True)
 
-    # #1 原子扣款:余额不足时影响行数为 0
-    if not _try_deduct_cash(db, user_id, amount_cents):
+    # #1 原子扣款:余额不足时影响行数为 0(按 source 扣对应账户)
+    if not _try_deduct_cash(db, user_id, amount_cents, source):
         db.rollback()
         raise InsufficientCashError
 
+    is_invite = source == "invite_cash"
+    txn_model = InviteCashTransaction if is_invite else CashTransaction
+    withdraw_biz = "invite_withdraw" if is_invite else "withdraw"
     bal = db.execute(
-        select(CoinAccount.cash_balance_cents).where(CoinAccount.user_id == user_id)
+        select(_balance_col(source)).where(CoinAccount.user_id == user_id)
     ).scalar_one()
     db.add(
-        CashTransaction(
+        txn_model(
             user_id=user_id,
             amount_cents=-amount_cents,
             balance_after_cents=bal,
-            biz_type="withdraw",
+            biz_type=withdraw_biz,
             ref_id=out_bill_no,
             remark="提现到微信零钱(待审核)",
             created_at=datetime.now(rewards.CN_TZ).replace(tzinfo=None),
@@ -631,6 +680,7 @@ def create_withdraw(
         user_id=user_id,
         out_bill_no=out_bill_no,
         amount_cents=amount_cents,
+        source=source,
         user_name=user_name,
         status="reviewing",
     )
@@ -1007,10 +1057,12 @@ def reconcile_pending_withdraws(db: Session, *, older_than_minutes: int = 15) ->
 
 
 def list_withdraw_orders(
-    db: Session, user_id: int, *, limit: int = 20, cursor: int | None = None
+    db: Session, user_id: int, *, source: str | None = None, limit: int = 20, cursor: int | None = None
 ) -> tuple[list[WithdrawOrder], int | None]:
-    """提现单分页(按 id 倒序,游标式)。"""
+    """提现单分页(按 id 倒序,游标式)。source 非空时只返回该账户来源的单(coin_cash / invite_cash)。"""
     stmt = select(WithdrawOrder).where(WithdrawOrder.user_id == user_id)
+    if source is not None:
+        stmt = stmt.where(WithdrawOrder.source == source)
     if cursor is not None:
         stmt = stmt.where(WithdrawOrder.id < cursor)
     stmt = stmt.order_by(WithdrawOrder.id.desc()).limit(limit)

app/schemas/invite.py

@@ -10,7 +10,12 @@ class InviteInfoOut(BaseModel):
     invite_code: str                # 我的邀请码
     share_url: str                  # 落地页链接(含 ?ref=),前端据此生成二维码 + 复制分享
     invited_count: int              # 已成功邀请人数
-    coins_earned: int               # 累计从邀请获得的金币
+    coins_earned: int               # 累计从邀请获得的金币(v1 口径;v2 邀请人改发奖励金)
+    reward_balance_cents: int = 0   # v2 可提现邀请奖励金(分)
+    reward_withdrawn_cents: int = 0 # v2 累计提现成功的邀请奖励金(分)
+    countdown_days_left: int = 7            # v2 本轮剩余天数(7 天 1 轮)
+    countdown_is_fresh_round: bool = False  # 是否刚进入新一轮(非首轮第1天)
+    countdown_text: str = ""                # 倒计时展示文案(前端直接显示,新轮含换行)
 
 
 class LandingTrackIn(BaseModel):

app/schemas/welfare.py

@@ -16,6 +16,7 @@ class CoinAccountOut(BaseModel):
 
     coin_balance: int = Field(..., description="当前金币余额")
     cash_balance_cents: int = Field(..., description="当前现金余额(分)")
+    invite_cash_balance_cents: int = Field(0, description="邀请奖励金余额(分,与现金隔离)")
     total_coin_earned: int = Field(..., description="累计赚取金币")
 
 
@@ -123,6 +124,7 @@ class UnbindWechatResultOut(BaseModel):
 
 class WithdrawRequest(BaseModel):
     amount_cents: int = Field(..., gt=0, description="提现金额(分)")
+    source: str = Field("coin_cash", description="提现账户:coin_cash(金币现金) / invite_cash(邀请奖励金)")
     user_name: str | None = Field(None, description="实名(达额时微信要求,可空)")
     out_bill_no: str | None = Field(
         None, description="客户端幂等键(商户单号):同号重试不重复转账。不传则服务端生成"
@@ -166,6 +168,7 @@ class WithdrawOrderOut(BaseModel):
     id: int
     out_bill_no: str
     amount_cents: int
+    source: str = Field("coin_cash", description="提现账户:coin_cash / invite_cash")
     status: str = Field(..., description="reviewing(待审核) / pending / success / failed / rejected")
     wechat_state: str | None = None
     fail_reason: str | None = None

data/media/dl.html

@@ -8,122 +8,231 @@
 <style>
   * { margin:0; padding:0; box-sizing:border-box; -webkit-tap-highlight-color:transparent; }
   html,body { height:100%; }
+  button { border:0; background:none; color:inherit; font:inherit; cursor:pointer; }
   body {
-    font-family:-apple-system,BlinkMacSystemFont,"PingFang SC","Microsoft YaHei",sans-serif;
-    background:linear-gradient(165deg,#FF7A3D 0%,#FF3B30 52%,#E0245E 100%);
-    color:#fff; min-height:100%; display:flex; flex-direction:column;
-    align-items:center; justify-content:center; padding:40px 26px; text-align:center;
-    overflow-x:hidden;
+    min-height:100vh;
+    display:flex; align-items:center; justify-content:center;
+    background:#000;
+    font-family:-apple-system,BlinkMacSystemFont,"PingFang SC","Helvetica Neue",sans-serif;
   }
-  .logo {
-    width:104px; height:104px; border-radius:26px; background:#fff;
-    display:flex; align-items:center; justify-content:center; font-size:52px;
-    box-shadow:0 14px 34px rgba(0,0,0,.22); margin-bottom:24px;
+  /* 设备框：桌面预览成 375×667 卡片；真机（≤430）铺满全屏 */
+  .device {
+    position:relative; flex:0 0 auto;
+    width:375px; height:667px;
+    overflow:hidden; border-radius:32px;
+    background:#FFF4CD;
+    box-shadow:0 20px 60px rgba(0,0,0,.5);
+    color:#fff;
   }
-  h1 { font-size:30px; font-weight:800; letter-spacing:1px; }
-  .slogan { margin-top:12px; font-size:16px; line-height:1.7; opacity:.95; max-width:300px; }
-  .feats { margin-top:26px; display:flex; flex-direction:column; gap:12px; width:100%; max-width:320px; }
-  .feat { background:rgba(255,255,255,.16); border-radius:14px; padding:13px 16px; font-size:15px; display:flex; align-items:center; gap:10px; }
-  .feat b { font-weight:700; }
-  .btn {
-    margin-top:34px; width:100%; max-width:320px; border:none; cursor:pointer;
-    background:#fff; color:#FF3B30; font-size:19px; font-weight:800;
-    padding:17px 0; border-radius:999px; box-shadow:0 10px 26px rgba(0,0,0,.22);
-    display:flex; align-items:center; justify-content:center; gap:9px;
+  .download-landing {
+    position:absolute; inset:0; z-index:0; overflow:hidden;
+    background:
+      url('coupon-page-bg.png') center center / cover no-repeat,
+      #FFF4CD;
+    color:#1A1A1A; text-align:center;
+  }
+  .download-content {
+    position:relative; z-index:1; height:100%;
+    padding:82px 20px 0;
+    display:flex; flex-direction:column; align-items:center; overflow:hidden;
+  }
+  .brand-lockup {
+    display:flex; align-items:center; justify-content:center; gap:16px;
+  }
+  .ad-logo {
+    width:53px; height:53px; border-radius:13px; display:block;
+    box-shadow:0 10px 24px rgba(255,179,0,.24);
+  }
+  .ad-title {
+    color:#1A1A1A; font-size:32px; font-weight:800; line-height:1.15;
+    letter-spacing:0; white-space:nowrap;
+  }
+  .ad-subtitle {
+    margin-top:22px; max-width:100%;
+    color:#000; font-size:18px; font-weight:400; line-height:1.25;
+    display:flex; align-items:center; justify-content:center; gap:10px; white-space:nowrap;
+  }
+  .ad-subtitle::before, .ad-subtitle::after {
+    content:""; width:5px; height:5px; border-radius:50%; background:#000; flex:0 0 auto;
+  }
+  .bottom-area {
+    position:relative; z-index:2; width:100%; max-width:266px;
+    margin-top:11px;
+    display:grid; grid-template-columns:1fr; justify-items:stretch; align-content:center; gap:10px;
+  }
+  .download-btn {
+    width:100%; height:39px; border-radius:22px; color:#1A1A1A;
+    font-family:inherit; font-size:14px; line-height:1; font-weight:700; letter-spacing:0;
+    display:flex; align-items:center; justify-content:center;
+  }
+  .download-btn.primary {
+    background:linear-gradient(180deg,#FFE066 0%,#FFC400 100%);
+    box-shadow:inset 0 1px 0 rgba(255,255,255,.82), 0 7px 18px rgba(255,179,0,.24);
+  }
+  .download-btn.secondary {
+    background:#fff; border:1px solid #DDD; color:#1A1A1A; font-size:13px;
+    box-shadow:0 2px 8px rgba(122,79,0,.08);
+  }
+  .download-btn:active { transform:translateY(1px); }
+  /* 底部两条卖点文案，压在背景插画两张卡片下方 */
+  /* 卖点卡：CSS 实体卡片（白底+图标），不再靠底图死框，字自适应（对齐 WeChat.html PR siyi 改版）*/
+  .download-feature-card {
+    position:absolute; z-index:2; pointer-events:none;
+    height:62px; padding:0 10px; border-radius:22px;
+    background:#FFFAEE;
+    box-shadow:inset 0 1px 0 rgba(255,255,255,.86), 0 6px 14px rgba(122,79,0,.08);
+    display:flex; align-items:center; gap:8px; color:#1A1A1A;
+  }
+  .download-feature-card.left  { left:24px;  top:576px; width:146px; }
+  .download-feature-card.right { left:199px; top:576px; width:156px; }
+  .download-feature-icon {
+    width:27px; height:27px; flex:0 0 auto; display:block; color:#FFAE00;
+  }
+  .download-feature-icon svg {
+    display:block; width:100%; height:100%; filter:drop-shadow(0 1px 0 rgba(255,255,255,.7));
+  }
+  .download-feature-copy {
+    min-width:0; flex:1 1 auto; text-align:left; white-space:nowrap; letter-spacing:0;
+  }
+  .download-feature-title {
+    display:block; font-size:13px; font-weight:800; line-height:1.12; letter-spacing:0;
+  }
+  .download-feature-desc {
+    display:block; margin-top:5px; color:#5A3A00; font-size:10px; font-weight:400; line-height:1.1;
   }
-  .btn:active { transform:translateY(1px); opacity:.92; }
-  .hint { margin-top:16px; font-size:13px; opacity:.85; }
-  .foot { margin-top:30px; font-size:12px; opacity:.6; line-height:1.6; max-width:320px; }
-
   /* 微信内"去浏览器打开"引导蒙层 */
-  #wxmask {
-    display:none; position:fixed; inset:0; z-index:9999;
-    background:rgba(0,0,0,.86); padding:18px;
+  .download-guide-layer {
+    position:absolute; inset:0; z-index:30; display:none;
+    background:rgba(0,0,0,.85); color:#fff;   /* 半透明黑：透出底层（新版）下载页，隐约可见 */
+  }
+  .download-guide-layer.show { display:block; }
+  .download-guide-arrow {
+    position:absolute; top:17px; right:9px; width:80px; height:60px;
+  }
+  .download-guide-arrow-svg {
+    display:block; width:100%; height:100%; overflow:hidden; shape-rendering:geometricPrecision;
+  }
+  .download-guide-title {
+    position:absolute; top:129px; right:16px; width:218px; margin:0;
+    color:#fff; font-size:17px; font-weight:800; line-height:1.32; letter-spacing:0;
+    text-align:right; text-shadow:0 2px 8px rgba(0,0,0,.36);
+  }
+  .download-guide-title .guide-dots { color:#FFD95A; letter-spacing:4px; }
+  .download-guide-title .guide-highlight { color:#FFD95A; white-space:nowrap; }
+  .download-guide-title .guide-final {
+    display:block; margin-top:10px; color:rgba(255,255,255,.94);
+    font-size:13px; font-weight:700; line-height:1.38;
+  }
+  .download-guide-title .guide-target { color:#FFD95A; white-space:nowrap; }
+  .guide-dismiss {
+    position:absolute; bottom:30px; left:0; right:0; text-align:center;
+    font-size:14px; color:#fff; opacity:.75;
+  }
+  .toast {
+    position:absolute; left:50%; bottom:118px; z-index:20;
+    transform:translateX(-50%) translateY(12px);
+    padding:9px 14px; border-radius:12px; background:rgba(0,0,0,.78);
+    color:#fff; font-size:14px; opacity:0; pointer-events:none;
+    transition:opacity .2s ease, transform .2s ease;
+  }
+  .toast.show { opacity:1; transform:translateX(-50%) translateY(0); }
+  @media (max-width:430px) {
+    /* 真机:宽满屏、高按 375:667 锁比例(不拉伸变形),顶对齐、底部留白用底色填。
+       这样底图(含价格卡)与卖点卡片同处 667 坐标基准,卡片用回 top:576,不再相互错位/遮挡。 */
+    body { align-items:flex-start; background:#FFF4CD; }
+    .device { width:100vw; height:calc(100vw * 667 / 375); border-radius:0; box-shadow:none; }
   }
-  #wxmask.show { display:block; }
-  .arrow { position:absolute; top:8px; right:14px; width:120px; }
-  .wxtip { position:absolute; top:150px; right:18px; left:18px; text-align:right; }
-  .wxtip .big { font-size:21px; font-weight:800; line-height:1.5; }
-  .wxtip .big em { color:#FFD24D; font-style:normal; }
-  .wxtip .sub { margin-top:14px; font-size:15px; line-height:1.8; opacity:.9; }
-  .wxsteps { margin-top:26px; text-align:left; background:rgba(255,255,255,.1); border-radius:14px; padding:18px 18px; font-size:15px; line-height:2; }
-  .wxsteps .n { display:inline-block; width:22px; height:22px; line-height:22px; text-align:center; border-radius:50%; background:#FFD24D; color:#333; font-weight:800; font-size:13px; margin-right:8px; }
-  .closebar { position:absolute; bottom:30px; left:0; right:0; text-align:center; font-size:14px; opacity:.7; }
 </style>
 </head>
 <body>
-  <div class="logo">🛒</div>
-  <h1>傻瓜比价</h1>
-  <div class="slogan">买什么都先比一比<br>自动帮你找全网最低价</div>
-
-  <div class="feats">
-    <div class="feat">🍔 <span>点外卖前一键比价,<b>美团/京东/淘宝</b>到手价一目了然</span></div>
-    <div class="feat">🎟️ <span>自动领遍各平台<b>红包券</b>,能省的一分不漏</span></div>
-    <div class="feat">💰 <span>省下的钱看得见,还能<b>赚金币提现</b></span></div>
-  </div>
-
-  <button class="btn" id="dlbtn">🏪 打开应用商店下载</button>
-  <div class="hint" id="hint">Android 安卓版 · 应用商店安全下载</div>
-
-  <div class="foot">
-    将前往应用商店下载,安全放心。<br>
-    本页为内部测试页。
-  </div>
-
-  <!-- 微信内引导:跳出微信去浏览器 -->
-  <div id="wxmask">
-    <svg class="arrow" viewBox="0 0 120 130" fill="none" xmlns="http://www.w3.org/2000/svg">
-      <path d="M30 120 C 30 70, 55 40, 95 28" stroke="#FFD24D" stroke-width="6" stroke-linecap="round" fill="none" stroke-dasharray="2 13"/>
-      <path d="M95 28 L 78 30 M95 28 L 92 46" stroke="#FFD24D" stroke-width="6" stroke-linecap="round"/>
-    </svg>
-    <div class="wxtip">
-      <div class="big">点击右上角 <em>···</em><br>选择「<em>在浏览器打开</em>」</div>
-      <div class="sub">微信里无法直接下载安装包<br>需在系统浏览器中完成下载</div>
-      <div class="wxsteps">
-        <div><span class="n">1</span>点右上角的 ··· 菜单</div>
-        <div><span class="n">2</span>选择「在浏览器打开」</div>
-        <div><span class="n">3</span>在浏览器里按提示去应用商店下载</div>
+<main class="device" aria-label="傻瓜比价下载页">
+  <section class="download-landing" aria-label="傻瓜比价下载页">
+    <div class="download-content">
+      <div class="brand-lockup">
+        <img class="ad-logo" src="sb-brand.png" alt="傻瓜比价">
+        <h1 class="ad-title">傻瓜比价</h1>
+      </div>
+      <p class="ad-subtitle">跨平台比价，用傻瓜</p>
+      <div class="bottom-area" aria-label="下载入口">
+        <button class="download-btn primary"  id="dlbtn"  type="button">应用商店下载</button>
+        <button class="download-btn secondary" id="dlbtn2" type="button">官网下载</button>
       </div>
     </div>
-    <div class="closebar" id="wxclose">我知道了 ✕</div>
+    <div class="download-feature-card left" aria-label="优惠券轻松领，羊毛全都不错过">
+      <span class="download-feature-icon" aria-hidden="true">
+        <svg viewBox="0 0 40 32" focusable="false">
+          <path d="M5 5h30a3 3 0 0 1 3 3v5.2a4.8 4.8 0 0 0 0 9.6V24a3 3 0 0 1-3 3H5a3 3 0 0 1-3-3v-1.2a4.8 4.8 0 0 0 0-9.6V8a3 3 0 0 1 3-3Z" fill="currentColor"/>
+          <path d="M20 10v12" fill="none" stroke="#FFF7CF" stroke-width="3" stroke-linecap="round"/>
+        </svg>
+      </span>
+      <span class="download-feature-copy">
+        <span class="download-feature-title">优惠券轻松领</span>
+        <span class="download-feature-desc">羊毛全都不错过</span>
+      </span>
+    </div>
+    <div class="download-feature-card right" aria-label="一键全网找底价，再也不用费力切屏">
+      <span class="download-feature-icon" aria-hidden="true">
+        <svg viewBox="0 0 40 32" focusable="false">
+          <rect x="5" y="16" width="8" height="11" rx="2" fill="currentColor"/>
+          <rect x="16" y="9" width="8" height="18" rx="2" fill="currentColor"/>
+          <rect x="27" y="3" width="8" height="24" rx="2" fill="currentColor"/>
+        </svg>
+      </span>
+      <span class="download-feature-copy">
+        <span class="download-feature-title">一键全网找底价</span>
+        <span class="download-feature-desc">再也不用费力切屏</span>
+      </span>
+    </div>
+  </section>
+
+  <!-- 微信内引导：跳出微信去浏览器 -->
+  <div class="download-guide-layer" id="wxGuide" role="dialog" aria-modal="true" aria-labelledby="wxGuideTitle">
+    <div class="download-guide-arrow" aria-hidden="true">
+      <svg class="download-guide-arrow-svg" viewBox="0 0 80 60" focusable="false">
+        <path d="M0 60 C16 32 39 15 66 15" fill="none" stroke="#FFD95A" stroke-width="5.5" stroke-linecap="round"/>
+        <path d="M59 5 L77 14 L63 31" fill="none" stroke="#FFD95A" stroke-width="7" stroke-linecap="round" stroke-linejoin="round"/>
+      </svg>
+    </div>
+    <h2 class="download-guide-title" id="wxGuideTitle">
+      点击右上角 <span class="guide-dots">···</span><br>
+      选择「<span class="guide-highlight">在浏览器打开</span>」
+      <span class="guide-final">在浏览器里按提示<span class="guide-target">去应用商店下载</span></span>
+    </h2>
+    <div class="guide-dismiss" id="wxGuideDismiss">我知道了 ✕</div>
   </div>
 
+  <div class="toast" id="toast" role="status" aria-live="polite"></div>
+</main>
+
 <script>
-  // 应用商店跳转:用包名(App 唯一标识 = 身份证号)定位到傻瓜比价的商店下载页。
-  // 主:market:// 唤起手机自带应用市场(华为/小米/OV);兜底:应用宝网页(任何浏览器都能开)。
+  // ===== 应用商店跳转：用包名（App 唯一标识）定位到傻瓜比价的商店下载页 =====
+  // 主：market:// 唤起手机自带应用市场（华为/小米/OV）；兜底：应用宝网页（任何浏览器都能开）。
   var PKG = "com.jishisongfu.shaguabijia";
   var MARKET_URL = "market://details?id=" + PKG;
   var YYB_URL = "https://a.app.qq.com/o/simple.jsp?pkgname=" + PKG;
   var ua = navigator.userAgent || "";
   var isWeChat = /MicroMessenger/i.test(ua);
   var isIOS = /iPhone|iPad|iPod/i.test(ua);
-  var isAndroid = /Android/i.test(ua);
-  var ref = new URLSearchParams(location.search).get("ref");  // 邀请码(来自二维码 URL ?ref=)
+  var ref = new URLSearchParams(location.search).get("ref");  // 邀请码（来自二维码 URL ?ref=）
 
-  // 【任务 3】指纹归因兜底:页面加载即上报访问者指纹,后端存 invite_fingerprint 表。
-  // 当 APK 首启读剪贴板失败(被覆盖)时,客户端会用 (IP+屏幕+UA 解析的手机型号) 反查
-  // 本表 7 天内最近一条匹配 → 撞库出原邀请人 → 走原 bind 流程。
-  // 任何失败都 silent(不影响下载主流程);后端 invalid_code/no_ip 也只返 200。
+  // ===== 指纹归因兜底：页面加载即上报访问者指纹，后端存 invite_fingerprint 表 =====
+  // 当 APK 首启读剪贴板失败（被覆盖）时，客户端用 (IP+屏幕+UA 机型) 反查 7 天内最近一条 → 撞出原邀请人。
+  // 任何失败都 silent，不影响下载主流程。
   if (ref) {
-    // screen 报【物理像素】= CSS 像素 × devicePixelRatio,跟 Android dm.widthPixels(物理像素)对齐。
-    // 不同设备 DPR 不同(常见 2/2.5/3/3.5),CSS 像素直接报会跟客户端不对齐 → 撞不上库。
+    // screen 报【物理像素】= CSS 像素 × devicePixelRatio，跟 Android dm.widthPixels 对齐，否则撞不上库。
     var _dpr = window.devicePixelRatio || 1;
     var _sw = Math.round(screen.width * _dpr);
     var _sh = Math.round(screen.height * _dpr);
     fetch("/api/v1/invite/landing-track", {
       method: "POST",
       headers: { "Content-Type": "application/json" },
-      body: JSON.stringify({
-        ref: ref,
-        screen: _sw + "x" + _sh,
-        // IP / UA 服务端从 HTTP 头自动拿,无需 JS 上报
-      }),
-    }).catch(function () {});  // silent,绝不阻断下载
+      body: JSON.stringify({ ref: ref, screen: _sw + "x" + _sh }),
+    }).catch(function () {});  // silent，绝不阻断下载
   }
 
-  // 把邀请码写进剪贴板,APK 首启时读出来完成归因(deferred deeplink 的关键一步)。
-  // 浏览器要求:必须在用户点击手势里调用 + HTTPS 下才允许写。
-  function legacyCopy(payload) {                // 老 webview / 无 clipboard API 兜底
+  // ===== 把邀请码写进剪贴板，APK 首启读出完成归因（deferred deeplink）=====
+  // 浏览器要求：必须在用户点击手势里调用 + HTTPS 下才允许写。
+  function legacyCopy(payload) {                 // 老 webview / 无 clipboard API 兜底
     try {
       var ta = document.createElement("textarea");
       ta.value = payload; ta.style.position = "fixed"; ta.style.top = "-1000px"; ta.style.opacity = "0";
@@ -131,50 +240,48 @@
       document.execCommand("copy"); document.body.removeChild(ta);
     } catch (e) {}
   }
-  function copyInviteCode() {                   // 返回 Promise(完成后才下载,避免异步写入被打断)
+  function copyInviteCode() {                    // 返回 Promise，完成后才下载，避免异步写入被打断
     if (!ref) return Promise.resolve();
     var payload = "SGBJ_INVITE:" + ref;
-    legacyCopy(payload);                         // 同步兜底:在用户手势内立刻 execCommand 写一次(最可靠)
+    legacyCopy(payload);                          // 同步兜底：在用户手势内立刻 execCommand 写一次（最可靠）
     if (navigator.clipboard && navigator.clipboard.writeText) {
-      return navigator.clipboard.writeText(payload).catch(function () {});  // 现代 API 锦上添花,失败无妨
+      return navigator.clipboard.writeText(payload).catch(function () {});
     }
     return Promise.resolve();
   }
-  // 跳应用商店:先尝试 market:// 唤起手机自带商店;若 2.5s 内页面没切到后台
-  //(= 没有商店接管 market://),兜底跳应用宝网页下载页,不让用户卡死。
+  // 跳应用商店：先 market:// 唤起自带商店；2.5s 内页面没切后台 → 兜底跳应用宝网页，不让用户卡死。
   function openStore() {
     var jumped = false;
-    function markJumped() { jumped = true; }           // 页面切到后台 = 商店已唤起
-    document.addEventListener("visibilitychange", function () {
-      if (document.hidden) jumped = true;
-    });
-    window.addEventListener("pagehide", markJumped);
-    window.addEventListener("blur", markJumped);
-    window.location.href = MARKET_URL;                 // 唤起自带应用市场
-    setTimeout(function () {
-      if (!jumped) window.location.href = YYB_URL;     // 没唤起 → 应用宝网页兜底
-    }, 2500);
+    document.addEventListener("visibilitychange", function () { if (document.hidden) jumped = true; });
+    window.addEventListener("pagehide", function () { jumped = true; });
+    window.addEventListener("blur", function () { jumped = true; });
+    window.location.href = MARKET_URL;
+    setTimeout(function () { if (!jumped) window.location.href = YYB_URL; }, 2500);
   }
 
-  var hint = document.getElementById("hint");
-  if (isIOS) hint.textContent = "检测到 iPhone · iOS 版请前往 App Store";
+  // ===== 微信内引导蒙层 =====
+  var wxGuide = document.getElementById("wxGuide");
+  function showWxGuide() { wxGuide.classList.add("show"); }
+  function hideWxGuide() { wxGuide.classList.remove("show"); }
+  document.getElementById("wxGuideDismiss").addEventListener("click", hideWxGuide);
+  if (isWeChat) showWxGuide();   // 微信里一进页面就提示去浏览器（微信内下载必被拦）
 
-  var mask = document.getElementById("wxmask");
-  function showMask(){ mask.classList.add("show"); }
-  function hideMask(){ mask.classList.remove("show"); }
-  document.getElementById("wxclose").addEventListener("click", hideMask);
+  function showToast(text) {
+    var toast = document.getElementById("toast");
+    toast.textContent = text; toast.classList.add("show");
+    clearTimeout(showToast.timer);
+    showToast.timer = setTimeout(function () { toast.classList.remove("show"); }, 1400);
+  }
 
-  // 微信里一进页面就提示去浏览器打开(下载在微信内必被拦)
-  if (isWeChat) showMask();
-
-  document.getElementById("dlbtn").addEventListener("click", function(){
-    if (isWeChat) { showMask(); return; }           // 微信内:引导去浏览器
-    if (isIOS)    { alert("iOS 版即将上线,请前往 App Store 搜索「傻瓜比价」"); return; }
-    // 安卓浏览器:先把邀请码写进剪贴板(legacyCopy 同步写、最可靠),再跳应用商店。
-    // 剪贴板供 App 首启归因;链路长易丢时由指纹兜底(已上报 landing-track)接住。
-    copyInviteCode();
+  // ===== 下载按钮：微信内引导去浏览器；iOS 提示；安卓写邀请码 + 跳应用商店 =====
+  function handleDownload() {
+    if (isWeChat) { showWxGuide(); return; }
+    if (isIOS)    { alert("iOS 版即将上线，请前往 App Store 搜索「傻瓜比价」"); return; }
+    copyInviteCode();   // 先把邀请码写进剪贴板（供 App 首启归因），链路丢了还有 landing-track 指纹兜底
     openStore();
-  });
+  }
+  document.getElementById("dlbtn").addEventListener("click", handleDownload);
+  document.getElementById("dlbtn2").addEventListener("click", handleDownload);
 </script>
 </body>
 </html>

tests/test_invite.py

@@ -1,4 +1,4 @@
-"""好友邀请测试:邀请码、绑定、双方发金币、幂等、自邀/无效码屏蔽、指纹兜底归因。
+"""好友邀请测试:邀请码、绑定(双方不发钱)、幂等、自邀/无效码屏蔽、指纹兜底归因。
 
 用 sms mock 登录拿 token(同 test_welfare),再跑邀请闭环。
 """
@@ -10,8 +10,6 @@ from sqlalchemy import select
 
 from app.core.rewards import (
     INVITE_FP_WINDOW_DAYS,
-    INVITE_INVITEE_COINS,
-    INVITE_INVITER_COINS,
     INVITE_NEW_USER_WINDOW_HOURS,
 )
 from app.db.session import SessionLocal
@@ -56,8 +54,8 @@ def test_invite_me_returns_stable_code(client) -> None:
     assert _my_code(client, token) == body["invite_code"]
 
 
-def test_bind_flow_both_get_coins(client) -> None:
-    """B 用 A 的码绑定 → 双方各得 1 万金币;A 战绩 +1。"""
+def test_bind_flow_no_coins_either_side(client) -> None:
+    """v3:B 用 A 的码绑定 → 双方都不发钱(被邀请人无奖励、邀请人改比价后发现金)。"""
     a = _login(client, "13800002002")
     b = _login(client, "13800002003")
     a_code = _my_code(client, a)
@@ -69,16 +67,16 @@ def test_bind_flow_both_get_coins(client) -> None:
     assert r.status_code == 200, r.text
     res = r.json()
     assert res["status"] == "success"
-    assert res["coins_awarded"] == INVITE_INVITEE_COINS
+    assert res["coins_awarded"] == 0
 
-    # 双方金币到账
-    assert _coin_balance(client, b) == INVITE_INVITEE_COINS
-    assert _coin_balance(client, a) == INVITE_INVITER_COINS
+    # 绑定后双方金币都不增(邀请人收益改走"好友比价发 2 元邀请奖励金")
+    assert _coin_balance(client, b) == 0
+    assert _coin_balance(client, a) == 0
 
-    # A 的战绩:已邀 1 人,累计获得 = 邀请人那份
+    # A 的战绩:已邀 1 人;金币口径收益恒 0(邀请人收益走邀请奖励金,见 try_reward_on_compare)
     r = client.get("/api/v1/invite/me", headers=_auth(a))
     assert r.json()["invited_count"] == 1
-    assert r.json()["coins_earned"] == INVITE_INVITER_COINS
+    assert r.json()["coins_earned"] == 0
 
 
 def test_bind_idempotent_no_double_reward(client) -> None:
@@ -217,9 +215,9 @@ def test_bind_by_fingerprint_success(client) -> None:
     )
     assert r2.status_code == 200, r2.text
     assert r2.json()["status"] == "success"
-    # 双方各发金币
-    assert _coin_balance(client, a) == INVITE_INVITER_COINS
-    assert _coin_balance(client, b) == INVITE_INVITEE_COINS
+    # v3:绑定双方都不发钱(被邀请人无奖励、邀请人改比价发现金)
+    assert _coin_balance(client, a) == 0
+    assert _coin_balance(client, b) == 0
 
 
 def test_bind_by_fingerprint_not_found(client) -> None:
@@ -322,7 +320,8 @@ def test_invitees_basic(client) -> None:
     names = {it["display_name"] for it in body["items"]}
     assert names == expected_names
     assert all(it["avatar_url"] is None for it in body["items"])
-    assert all(it["coins"] == INVITE_INVITER_COINS for it in body["items"])
+    # v2:绑定时邀请人那份为 0(收益改"好友比价才发奖"),故每条 coins 字段=0
+    assert all(it["coins"] == 0 for it in body["items"])
 
 
 def test_invitees_order_desc(client) -> None:

tests/test_invite_cash_withdraw.py

@@ -0,0 +1,193 @@
+"""邀请奖励金提现账户隔离测试:提现扣 invite_cash 账户、退款退回 invite_cash、与金币现金不串、
+/invite/me 返回奖励金战绩、提现单 source 过滤。复用 test_withdraw 的 wxpay monkeypatch 模式。
+"""
+from __future__ import annotations
+
+from sqlalchemy import select
+
+from app.db.session import SessionLocal
+from app.models.user import User
+from app.models.wallet import CoinAccount, InviteCashTransaction
+from app.repositories import wallet as crud_wallet
+
+
+def _login(client, phone: str) -> str:
+    client.post("/api/v1/auth/sms/send", json={"phone": phone})
+    r = client.post("/api/v1/auth/sms/login", json={"phone": phone, "code": "123456"})
+    assert r.status_code == 200, r.text
+    return r.json()["access_token"]
+
+
+def _auth(token: str) -> dict[str, str]:
+    return {"Authorization": f"Bearer {token}"}
+
+
+def _patch_userinfo(monkeypatch, openid: str) -> None:
+    monkeypatch.setattr(
+        "app.integrations.wxpay.code_to_userinfo",
+        lambda code: {"openid": openid, "nickname": None, "avatar_url": None, "raw": {}},
+    )
+
+
+def _seed_balances(client, token: str, phone: str, *, cash: int = 0, invite_cash: int = 0) -> None:
+    """访问 /account 触发建账户,再 DB 直接灌两个账户余额(没有"加钱"接口,正常靠兑换/发奖)。"""
+    client.get("/api/v1/wallet/account", headers=_auth(token))
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == phone)).scalar_one()
+        acc = db.get(CoinAccount, user.id)
+        acc.cash_balance_cents = cash
+        acc.invite_cash_balance_cents = invite_cash
+        db.commit()
+    finally:
+        db.close()
+
+
+def _balances(client, token: str) -> tuple[int, int]:
+    j = client.get("/api/v1/wallet/account", headers=_auth(token)).json()
+    return j["cash_balance_cents"], j["invite_cash_balance_cents"]
+
+
+def _reject(bill: str, reason: str = "测试拒绝") -> None:
+    db = SessionLocal()
+    try:
+        crud_wallet.reject_withdraw(db, bill, reason)
+    finally:
+        db.close()
+
+
+def test_invite_cash_withdraw_deducts_invite_account(client, monkeypatch) -> None:
+    """source=invite_cash 提现 → 扣 invite_cash_balance_cents,不动 cash;流水落 invite_cash_transaction。"""
+    _patch_userinfo(monkeypatch, "openid_ic_1")
+    token = _login(client, "13800004001")
+    _seed_balances(client, token, "13800004001", cash=300, invite_cash=500)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    assert r.status_code == 200, r.text
+    assert r.json()["status"] == "reviewing"
+
+    cash, invite_cash = _balances(client, token)
+    assert invite_cash == 300       # 扣了邀请奖励金
+    assert cash == 300              # 金币现金没动
+
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == "13800004001")).scalar_one()
+        txns = db.execute(
+            select(InviteCashTransaction).where(
+                InviteCashTransaction.user_id == user.id,
+                InviteCashTransaction.biz_type == "invite_withdraw",
+            )
+        ).scalars().all()
+        assert len(txns) == 1 and txns[0].amount_cents == -200
+    finally:
+        db.close()
+    orders = client.get("/api/v1/wallet/withdraw-orders", headers=_auth(token)).json()["items"]
+    assert orders[0]["source"] == "invite_cash"
+
+
+def test_invite_cash_reject_refunds_invite_account(client, monkeypatch) -> None:
+    """拒绝 invite_cash 提现 → 退回 invite_cash,不串金币现金;退款流水落 invite_cash_transaction。"""
+    _patch_userinfo(monkeypatch, "openid_ic_2")
+    token = _login(client, "13800004002")
+    _seed_balances(client, token, "13800004002", cash=0, invite_cash=500)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    bill = r.json()["out_bill_no"]
+    cash, invite_cash = _balances(client, token)
+    assert invite_cash == 300 and cash == 0    # 扣后
+
+    _reject(bill)
+
+    cash, invite_cash = _balances(client, token)
+    assert invite_cash == 500    # 退回邀请奖励金
+    assert cash == 0             # 没串进现金
+
+    db = SessionLocal()
+    try:
+        user = db.execute(select(User).where(User.phone == "13800004002")).scalar_one()
+        refunds = db.execute(
+            select(InviteCashTransaction).where(
+                InviteCashTransaction.user_id == user.id,
+                InviteCashTransaction.biz_type == "invite_withdraw_refund",
+            )
+        ).scalars().all()
+        assert len(refunds) == 1 and refunds[0].amount_cents == 200
+    finally:
+        db.close()
+
+
+def test_two_accounts_withdraw_independent(client, monkeypatch) -> None:
+    """两账户各提各的不串:先提 invite_cash(拒绝结清),再提 cash,各扣各账户。
+    注:一个用户同一时间只能一个活跃提现单(跨账户),故第二笔需先结清第一笔。"""
+    _patch_userinfo(monkeypatch, "openid_ic_3")
+    token = _login(client, "13800004003")
+    _seed_balances(client, token, "13800004003", cash=400, invite_cash=500)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r1 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    _reject(r1.json()["out_bill_no"])    # 退回 invite_cash + 结清活跃单
+    r2 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 100, "source": "coin_cash"},
+        headers=_auth(token),
+    )
+    assert r2.json()["status"] == "reviewing"
+
+    cash, invite_cash = _balances(client, token)
+    assert invite_cash == 500    # 已退回
+    assert cash == 300           # 扣了 cash 100
+
+
+def test_invite_me_returns_reward_stats(client) -> None:
+    """/invite/me 返回 reward_balance_cents(可提现奖励金)。"""
+    token = _login(client, "13800004004")
+    _seed_balances(client, token, "13800004004", invite_cash=350)
+    j = client.get("/api/v1/invite/me", headers=_auth(token)).json()
+    assert j["reward_balance_cents"] == 350
+    assert j["reward_withdrawn_cents"] == 0
+
+
+def test_withdraw_orders_source_filter(client, monkeypatch) -> None:
+    """/wallet/withdraw-orders?source=invite_cash 只返回邀请奖励金提现单。"""
+    _patch_userinfo(monkeypatch, "openid_ic_5")
+    token = _login(client, "13800004005")
+    _seed_balances(client, token, "13800004005", cash=400, invite_cash=500)
+    client.post("/api/v1/wallet/bind-wechat", json={"code": "c"}, headers=_auth(token))
+
+    r1 = client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 200, "source": "invite_cash"},
+        headers=_auth(token),
+    )
+    _reject(r1.json()["out_bill_no"])    # 结清,才能提第二笔
+    client.post(
+        "/api/v1/wallet/withdraw",
+        json={"amount_cents": 100, "source": "coin_cash"},
+        headers=_auth(token),
+    )
+
+    all_orders = client.get("/api/v1/wallet/withdraw-orders", headers=_auth(token)).json()["items"]
+    invite_orders = client.get(
+        "/api/v1/wallet/withdraw-orders", params={"source": "invite_cash"}, headers=_auth(token)
+    ).json()["items"]
+    coin_orders = client.get(
+        "/api/v1/wallet/withdraw-orders", params={"source": "coin_cash"}, headers=_auth(token)
+    ).json()["items"]
+    assert len(all_orders) == 2
+    assert len(invite_orders) == 1 and invite_orders[0]["source"] == "invite_cash"
+    assert len(coin_orders) == 1 and coin_orders[0]["source"] == "coin_cash"

tests/test_invite_compare_reward.py

@@ -0,0 +1,114 @@
+"""邀请 v3 比价发奖测试:好友完成成功比价 → 邀请人得邀请奖励金(独立账户),幂等只发一次,
+账户隔离不串金币/现金。被邀请人绑定不得任何奖励由 test_invite.py 覆盖。
+"""
+from __future__ import annotations
+
+from sqlalchemy import select
+
+from app.core.rewards import INVITE_COMPARE_REWARD_CENTS
+from app.db.session import SessionLocal
+from app.models.wallet import CoinAccount, InviteCashTransaction
+from app.repositories.user import get_user_by_phone
+
+
+def _login(client, phone: str) -> str:
+    client.post("/api/v1/auth/sms/send", json={"phone": phone})
+    r = client.post("/api/v1/auth/sms/login", json={"phone": phone, "code": "123456"})
+    assert r.status_code == 200, r.text
+    return r.json()["access_token"]
+
+
+def _auth(token: str) -> dict[str, str]:
+    return {"Authorization": f"Bearer {token}"}
+
+
+def _my_code(client, token: str) -> str:
+    return client.get("/api/v1/invite/me", headers=_auth(token)).json()["invite_code"]
+
+
+def _bind(client, token: str, code: str):
+    return client.post("/api/v1/invite/bind", json={"invite_code": code}, headers=_auth(token))
+
+
+def _report_compare(client, token: str, trace_id: str, status: str = "success"):
+    return client.post(
+        "/api/v1/compare/record",
+        json={"trace_id": trace_id, "status": status},
+        headers=_auth(token),
+    )
+
+
+def _invite_cash(phone: str) -> int:
+    """被试用户的邀请奖励金余额(分)。专用查询端点见小步3,这里直接查 DB。"""
+    with SessionLocal() as db:
+        u = get_user_by_phone(db, phone)
+        acc = db.get(CoinAccount, u.id) if u else None
+        return acc.invite_cash_balance_cents if acc else 0
+
+
+def test_compare_reward_granted_to_inviter(client) -> None:
+    """B 被 A 邀请后完成一次成功比价 → A 得邀请奖励金 2 元(独立账户),B 不得该奖。"""
+    a = _login(client, "13800003001")
+    b = _login(client, "13800003002")
+    _bind(client, b, _my_code(client, a))
+
+    assert _invite_cash("13800003001") == 0                            # 发奖前
+
+    r = _report_compare(client, b, "trace-reward-1")
+    assert r.status_code == 200, r.text
+
+    assert _invite_cash("13800003001") == INVITE_COMPARE_REWARD_CENTS  # 邀请人到账
+    assert _invite_cash("13800003002") == 0                            # 被邀请人不得此奖
+
+
+def test_compare_reward_idempotent(client) -> None:
+    """好友比价多次 → 只发一次(compare_reward_granted 幂等)。"""
+    a = _login(client, "13800003003")
+    b = _login(client, "13800003004")
+    _bind(client, b, _my_code(client, a))
+
+    _report_compare(client, b, "trace-idem-1")
+    _report_compare(client, b, "trace-idem-2")    # 第二次比价(不同 trace)
+    _report_compare(client, b, "trace-idem-1")    # 重复上报同 trace
+
+    assert _invite_cash("13800003003") == INVITE_COMPARE_REWARD_CENTS  # 仍只发一次
+
+
+def test_compare_no_relation_no_reward(client) -> None:
+    """没有邀请关系的人比价 → 不发奖(没人是他的邀请人)。"""
+    x = _login(client, "13800003005")
+    r = _report_compare(client, x, "trace-norel-1")
+    assert r.status_code == 200, r.text
+    assert _invite_cash("13800003005") == 0
+
+
+def test_compare_failed_no_reward(client) -> None:
+    """失败的比价(status=failed)不触发发奖。"""
+    a = _login(client, "13800003006")
+    b = _login(client, "13800003007")
+    _bind(client, b, _my_code(client, a))
+
+    _report_compare(client, b, "trace-fail-1", status="failed")
+    assert _invite_cash("13800003006") == 0
+
+
+def test_compare_reward_isolated_from_coin_cash(client) -> None:
+    """账户隔离:邀请奖励金进 invite_cash,不串 cash_balance_cents;流水落 invite_cash_transaction。"""
+    a = _login(client, "13800003008")
+    b = _login(client, "13800003009")
+    _bind(client, b, _my_code(client, a))
+    _report_compare(client, b, "trace-iso-1")
+
+    with SessionLocal() as db:
+        ua = get_user_by_phone(db, "13800003008")
+        acc = db.get(CoinAccount, ua.id)
+        assert acc.invite_cash_balance_cents == INVITE_COMPARE_REWARD_CENTS  # 奖励金到账
+        assert acc.cash_balance_cents == 0                                   # 没串进金币现金
+        txns = db.execute(
+            select(InviteCashTransaction).where(
+                InviteCashTransaction.user_id == ua.id,
+                InviteCashTransaction.biz_type == "invite_reward",
+            )
+        ).scalars().all()
+        assert len(txns) == 1
+        assert txns[0].amount_cents == INVITE_COMPARE_REWARD_CENTS

tests/test_welfare.py

@@ -46,7 +46,12 @@ def test_account_auto_created_empty(client) -> None:
     r = client.get("/api/v1/wallet/account", headers=_auth(token))
     assert r.status_code == 200, r.text
     body = r.json()
-    assert body == {"coin_balance": 0, "cash_balance_cents": 0, "total_coin_earned": 0}
+    assert body == {
+        "coin_balance": 0,
+        "cash_balance_cents": 0,
+        "invite_cash_balance_cents": 0,    # v2 账户隔离新增(邀请奖励金,与现金隔离)
+        "total_coin_earned": 0,
+    }
 
 
 def test_signin_flow(client) -> None: