fix(withdraw): allow multiple active applications

app/api/v1/wallet.py

@@ -201,7 +201,7 @@ def withdraw_info(
     "/withdraw",
     response_model=WithdrawResultOut,
     summary="发起提现(扣款建单,待人工审核;审核通过后才打款)",
-    dependencies=[Depends(rate_limit(5, 60, "withdraw"))],  # IP 级粗限流;用户级未完成单限制在仓库层
+    dependencies=[Depends(rate_limit(5, 60, "withdraw"))],  # IP 级粗限流;余额/档位/幂等限制在仓库层
 )
 def withdraw(req: WithdrawRequest, user: CurrentUser, db: DbSession) -> WithdrawResultOut:
     # 提现发起本身不调微信(打款在审核通过后),但仍要求微信支付已配置——否则审核通过也打不了款,提前拦
@@ -222,11 +222,6 @@ def withdraw(req: WithdrawRequest, user: CurrentUser, db: DbSession) -> Withdraw
         ) from e
     except crud_wallet.WechatNotBoundError as e:
         raise HTTPException(status_code=status.HTTP_400_BAD_REQUEST, detail="请先绑定微信") from e
-    except crud_wallet.WithdrawTooFrequentError as e:
-        raise HTTPException(
-            status_code=status.HTTP_409_CONFLICT,
-            detail="已有提现申请正在审核或打款中,请处理完成后再申请",
-        ) from e
     except crud_wallet.WithdrawTierUnavailableError as e:
         # 福利页档位闸(7-9):次数满/已选其他额度。正常客户端已按 tiers 预拦,此处兜底防绕过。
         raise HTTPException(status_code=status.HTTP_409_CONFLICT, detail="今日额度已达上限") from e