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

- 新增邀请奖励金独立账本: coin_account 加余额列 + invite_cash_transaction 流水表, 与金币现金物理隔离
- bind 改 v2: 绑定只发被邀请人新人金币; 邀请人改在好友首次成功比价时发 2 元奖励金(幂等只发一次)
- 提现链路按 source 分流: 扣款/退款/对账/分页各认账户, 两本账不串
- /invite/me 返回奖励金余额/累计提现/7天倒计时
- 新增 migration(建表加列) + 比价发奖与提现隔离测试

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

@@ -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,
     )
 
 

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

@@ -127,6 +127,13 @@ 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

@@ -36,5 +36,6 @@ 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

@@ -34,6 +34,30 @@ 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。
 
@@ -96,9 +120,10 @@ class BindResult:
 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)。
+    v2 发奖(冰 2026-06-23 拍板):被邀请人绑定即得新人金币(拉新即时激励);邀请人不在此发,
+    改"好友比价才发 2 元邀请奖励金"(见 try_reward_on_compare,防刷)。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)
@@ -114,7 +139,8 @@ def bind(
     if not _is_new_user(invitee):
         return BindResult("not_eligible")
 
-    inviter_coin = rewards.INVITE_INVITER_COINS
+    # v2(冰 2026-06-23 拍板):邀请人不再在绑定时发金币,改"好友比价才发 2 元邀请奖励金"
+    # (见 try_reward_on_compare,防刷);被邀请人保留绑定即得新人金币(拉新即时激励)。
     invitee_coin = rewards.INVITE_INVITEE_COINS
 
     rel = InviteRelation(
@@ -122,15 +148,11 @@ def bind(
         invitee_user_id=invitee.id,
         channel=(channel or "clipboard")[:16],
         status="effective",
-        inviter_coin=inviter_coin,
+        inviter_coin=0,                 # 邀请人改比价发现金,绑定不发金币
         invitee_coin=invitee_coin,
     )
     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",
-    )
+    # 只给被邀请人发新人金币(同事务,与建关系一起 commit);邀请人那份移到比价发奖。
     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",
@@ -153,6 +175,48 @@ def bind(
     return BindResult("success", rel, invitee_coin)
 
 
+@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)。"""
     count = db.execute(
@@ -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。
 

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