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,